Legal

Terms of Service

Last updated: August 2026

1. Agreement

These Terms govern your use of SwahiliPay, a payment aggregation service operated by Swahili Software Development Company Limited (“we”, “us”) in Tanzania. By registering a merchant account or using our payment links, API, or dashboard, you agree to these Terms.

PDPC Registration No. 0-000-011-631 · BRELA business licence No. 20000070868

2. Services

SwahiliPay enables merchants to collect payments by mobile money and card, receive webhooks, and settle collected funds to a designated merchant account. Collections are processed through our licensed payment service provider partner, Selcom Paytech Limited.

SwahiliPay works with Selcom Paytech Limited (“Selcom”), our licensed payment service provider partner. Selcom is authorised to collect payments from your customers and to process settlement of collected funds. SwahiliPay does not hold customer money — funds flow through Selcom and the relevant mobile network operators or card networks according to their rules and settlement schedules.

3. Merchant obligations

  • Provide accurate business and KYC information.
  • Use SwahiliPay only for lawful goods and services.
  • Protect API keys and notify us immediately if they are compromised.
  • Honour refunds and customer disputes according to your policies and applicable law.

4. Fees and settlement

We charge a platform fee on successful collections as shown on our website or in your merchant agreement. Net collections settle to your merchant account on a daily schedule (midnight cut-off) subject to PSP processing and compliance checks.

5. Suspension

We may suspend or terminate access if we suspect fraud, AML/CFT violations, chargeback abuse, or breach of these Terms. We will use reasonable efforts to notify you unless prohibited by law or risk considerations.

6. Limitation of liability

SwahiliPay is provided on an “as is” basis to the extent permitted by Tanzanian law. We are not liable for indirect losses, network outages by MNOs, or delays caused by third-party processors beyond our reasonable control.

7. Contact

Questions about these Terms: WhatsApp +255 718 660 882 · +255 718 660 882