Terms of Service

By creating an account or using VixoPay, you agree to be legally bound by these Terms. VixoPay is operated by VixoPay Technologies, Okigwe Road, Owerri, Imo State, Nigeria. If you do not agree with these Terms, please stop using the service.

You must be at least 18 years old to use VixoPay. By registering you confirm that the information you provide is accurate, complete and current.

We may ask you to verify your identity before raising your limits or releasing a payout, including a government-issued ID and a Bank Verification Number (BVN). We may restrict or suspend an account while verification is outstanding. This is a legal requirement under Nigerian anti-money-laundering rules, not a discretionary check.

You are responsible for keeping your password and 4-digit transaction PIN confidential, and for everything done through your account. Every payment requires your PIN. Tell us immediately at support@vixopay.ng if you believe someone else has used your account.

Your VixoPay wallet balance is held with our payment partner, PalmPay. VixoPay Technologies is not a bank and does not hold customer funds directly.

You authorise us to debit and credit your wallet for the services you use. Funds added to your wallet are available for VixoPay services and for withdrawal to a bank account in your own name.

The price shown before you confirm a purchase is the price you pay. We do not add a separate service charge at checkout. Prices for airtime, data, cable TV and electricity may change without notice, but a change never applies to a transaction you have already confirmed.

Transactions are limited to between ₦50 and ₦50,000 per transaction. Additional daily or cumulative limits may apply depending on your verification level. [Daily and monthly limits to be confirmed.]

If a transaction fails, the amount is returned to your VixoPay wallet automatically. You do not need to open a complaint for this to happen.

Where a reversal has not reached your wallet within 24 hours, contact disputes@vixopay.ng with the transaction reference. Some failures depend on the network operator or biller confirming the result, which can take longer; we will tell you if that is the case.

A transaction that was delivered correctly is not refundable. Airtime and data delivered to a number you entered incorrectly cannot be recovered, so check the number before you confirm.

Airtime-to-Cash converts airtime you have already bought into money paid to a bank account. The conversion rate is shown before you confirm, and the rate at the moment of confirmation is the one that applies.

Airtime transfers are irreversible. Once airtime has been sent to us it cannot be returned to your line. Conversions are also subject to the terms of your network operator, which may limit or block airtime transfers independently of VixoPay.

Payout is made to the bank account you provide. Confirm the account number and name carefully — we cannot recover money sent to an account you entered incorrectly. [Settlement window to be confirmed.]

You agree not to use VixoPay for fraudulent, illegal or abusive activity, including money laundering, terrorism financing, or any scam. We monitor for this. Violations may lead to immediate suspension, the freezing of a balance pending investigation, and reporting to the relevant Nigerian authorities.

We work to keep VixoPay available, but we do not guarantee uninterrupted access. Airtime, data, cable and electricity purchases depend on the network operator or biller being reachable, and those outages are outside our control. Where a transaction fails for that reason, section 6 applies.

VixoPay is not responsible for indirect, incidental or consequential losses arising from your use of the service, except where Nigerian law does not allow that limitation. Nothing here limits our liability for our own fraud.

You may close your account at any time. Withdraw your balance first — contact support if you need help doing so.

We may suspend or terminate an account that breaches these Terms or is used for prohibited conduct. Where we do so and a balance remains, we will return it to a verified bank account in your name unless the law requires otherwise. [Dormancy period and treatment of dormant balances to be confirmed.]

Raise a complaint with disputes@vixopay.ng, including the transaction reference and what went wrong. We aim to acknowledge within one working day.

If we have not resolved your complaint within 15 working days, you may escalate it to our payment partner, PalmPay, or to the Central Bank of Nigeria Consumer Protection Department. [Escalation contact details to be confirmed with PalmPay.]

These Terms are governed by the laws of the Federal Republic of Nigeria, and the Nigerian courts have jurisdiction over any dispute arising from them.

We may update these Terms. When we do, the “Last updated” date at the top of this page changes. Where a change materially affects your rights we will tell you in the app or by email before it takes effect. Continuing to use VixoPay after that means you accept the updated Terms.

VixoPay Technologies, Okigwe Road, Owerri, Imo State, Nigeria.
General support: support@vixopay.ng
Disputes: disputes@vixopay.ng
Legal: legal@vixopay.ng