Terms & Conditions

Welcome to Monietude. By downloading, accessing, or using our mobile application and services, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding.

Effective date: September 16, 2026

1. Acceptance of these Terms

By accessing or using Monietude (the “Service”), you agree to these Terms and Conditions. If you do not agree, do not use the Service.

2. The Service

Monietude provides a payment gateway platform that enables merchants to:

  • Accept payments via card, bank transfer, and USSD (where available).
  • Generate virtual bank accounts for collections (where available).
  • View transaction history and reports.
  • Receive event notifications through webhooks and manage webhook delivery.
  • Withdraw available balances to a verified settlement bank account.

3. Eligibility and Merchant Verification (KYB)

To use merchant features, you must complete our onboarding and business verification (KYB). We may request documents and additional information to comply with regulatory requirements and our partners’ requirements.

4. Account Security and API Keys

  • You are responsible for maintaining the confidentiality of your login credentials and API keys.
  • You must not share your API keys publicly or embed secret keys in client-side applications.
  • You are responsible for all activities performed through your account and API keys.

5. Payments, Settlement, and Fees

  • Transaction processing may involve third-party providers. Payment status may be pending, successful, or failed depending on provider confirmation.
  • Fees (if applicable) may be deducted from transactions or charged separately as displayed in the Service.
  • Withdrawals are permitted only to your verified settlement account. We may delay or hold settlements for compliance checks, risk reviews, disputes, or suspected fraud.

6. Refunds, Chargebacks, and Disputes

You are responsible for providing support to your customers and handling disputes related to your goods or services. Chargebacks and disputes may lead to reversals, negative balances, or account limitations.

7. Webhooks and Notifications

  • If you configure a webhook URL, we will attempt to send payment events to your endpoint.
  • Webhook delivery is best-effort. Network failures and downtime can occur. You are responsible for securely receiving, validating, and processing webhook events.

8. Prohibited Activities

You may not use the Service for illegal activities, fraudulent transactions, or prohibited business categories under applicable law or network rules.

9. Termination and Suspension

We may suspend or terminate your account or API keys at any time if we suspect fraudulent activity, breach of these Terms, or risk to our system or partners.

10. Limitation of Liability

To the maximum extent permitted by law, Monietude and its operators shall not be liable for indirect, incidental, or consequential damages arising from your use of the Service.

11. Contact Us

If you have questions about these Terms, contact us at: