Terms and conditions
The terms that govern customer and merchant use of SikaraPay, including pricing, fulfilment, and account responsibilities.
These Terms and Conditions govern your use of SikaraPay. By creating an account, placing an order, or using our services as a customer or merchant, you agree to these terms.
Eligibility
You must be at least 18 years old and hold a valid Ghanaian phone number to register an account. You are responsible for keeping your phone number and account access secure, since sign-in and order verification rely on SMS/WhatsApp one-time codes sent to that number.
Our service
SikaraPay lets you buy mobile data bundles and airtime, and — where enabled — pay for supported commission services such as utility bills, TV subscriptions and broadband. Approved merchants may also access reseller pricing and commission tools.
Pricing and payment
All prices are shown in Ghana Cedis (GHS) and may change without notice to reflect provider pricing. Payment is processed through our licensed payment partners (currently Hubtel and/or Paystack) or, where explicitly enabled, a manual payment method. You confirm that any recipient number, meter number, or account reference you enter is accurate — we are not responsible for orders delivered to a destination you entered incorrectly.
Order fulfilment
Most orders are fulfilled automatically once payment is confirmed, but delivery depends on our upstream telecom, utility and service providers and can occasionally be delayed or fail for reasons outside our control. We track order status and will work with you and our providers to resolve delivery issues.
Merchant terms
Approved merchants receive merchant pricing on supported products and access to order and commission records. Merchant status may be reviewed, suspended or revoked if we detect fraudulent activity, abuse of pricing, or a breach of these terms. Commission withdrawals are subject to admin review before payout.
Prohibited conduct
You may not use SikaraPay for fraudulent transactions, attempt to gain unauthorised access to any account or system, interfere with the platform's operation, or use the service for any unlawful purpose. We may suspend or terminate accounts involved in this kind of activity, and may report serious cases to the relevant authorities.
Limitation of liability
We are not liable for delays or failures caused by third-party payment processors, telecom operators, utility providers, network outages, or events outside our reasonable control. Our liability for any claim relating to a specific order is limited to the amount paid for that order.
Termination
We may suspend or close an account that violates these terms, is used fraudulently, or poses a security risk to the platform or other users.
Governing law
These terms are governed by the laws of the Republic of Ghana.
Changes to these terms
We may update these terms from time to time; continued use of SikaraPay after an update constitutes acceptance of the revised terms.
Eligibility
You must be at least 18 years old and hold a valid Ghanaian phone number to register an account. You are responsible for keeping your phone number and account access secure, since sign-in and order verification rely on SMS/WhatsApp one-time codes sent to that number.
Our service
SikaraPay lets you buy mobile data bundles and airtime, and — where enabled — pay for supported commission services such as utility bills, TV subscriptions and broadband. Approved merchants may also access reseller pricing and commission tools.
Pricing and payment
All prices are shown in Ghana Cedis (GHS) and may change without notice to reflect provider pricing. Payment is processed through our licensed payment partners (currently Hubtel and/or Paystack) or, where explicitly enabled, a manual payment method. You confirm that any recipient number, meter number, or account reference you enter is accurate — we are not responsible for orders delivered to a destination you entered incorrectly.
Order fulfilment
Most orders are fulfilled automatically once payment is confirmed, but delivery depends on our upstream telecom, utility and service providers and can occasionally be delayed or fail for reasons outside our control. We track order status and will work with you and our providers to resolve delivery issues.
Merchant terms
Approved merchants receive merchant pricing on supported products and access to order and commission records. Merchant status may be reviewed, suspended or revoked if we detect fraudulent activity, abuse of pricing, or a breach of these terms. Commission withdrawals are subject to admin review before payout.
Prohibited conduct
You may not use SikaraPay for fraudulent transactions, attempt to gain unauthorised access to any account or system, interfere with the platform's operation, or use the service for any unlawful purpose. We may suspend or terminate accounts involved in this kind of activity, and may report serious cases to the relevant authorities.
Limitation of liability
We are not liable for delays or failures caused by third-party payment processors, telecom operators, utility providers, network outages, or events outside our reasonable control. Our liability for any claim relating to a specific order is limited to the amount paid for that order.
Termination
We may suspend or close an account that violates these terms, is used fraudulently, or poses a security risk to the platform or other users.
Governing law
These terms are governed by the laws of the Republic of Ghana.
Changes to these terms
We may update these terms from time to time; continued use of SikaraPay after an update constitutes acceptance of the revised terms.