Terms of Use

To use MTMPay services, you must:

• Be at least 18 years of age;
• Be legally capable of entering into binding agreements;
• Provide accurate and complete information;
• Comply with all applicable laws and regulations.

MTMPay reserves the right to deny access to any user who fails to satisfy eligibility requirements.

Users may be required to create an account. You agree to:

• Provide accurate information;
• Maintain updated information;
• Protect account credentials;
• Maintain confidentiality of OTPs and authentication information;
• Immediately report unauthorized account access.

You are responsible for all activities conducted through your account.

Certain services may require:

MTMPay may suspend or restrict services until required verification is completed. Failure to provide accurate information may result in account suspension or termination.

You agree not to:

• Use MTMPay for unlawful purposes;
• Provide false or misleading information;
• Engage in fraud, money laundering, terrorism financing, or suspicious activities;
• Attempt unauthorized access to systems;
• Reverse engineer, copy, modify, or interfere with services;
• Violate applicable laws, regulations, or partner requirements.

Users acknowledge that:

• Transaction processing depends on banking partners, payment networks, billers, and service providers.
• Transactions may be delayed, reversed, rejected, refunded, disputed, or failed due to technical, operational, compliance, regulatory, or third-party reasons.
• MTMPay does not guarantee uninterrupted availability of any service.
• Users are solely responsible for verifying transaction details before submission.

Gift cards, vouchers, and digital products are subject to:

• Issuer terms and conditions;
• Product-specific restrictions;
• Validity periods;
• Redemption requirements.

MTMPay shall not be responsible for restrictions imposed by third-party issuers.

Merchants agree to:

• Maintain valid business registrations;
• Maintain required licenses;
• Provide accurate business information;
• Comply with KYC requirements;
• Comply with applicable laws and regulations.

MTMPay may suspend merchant services for fraud, risk, compliance, operational, regulatory, or security reasons.

MTMPay may provide APIs, SDKs, Plugins, Integration Services, White Label Platforms, Technical Documentation, and Developer Tools. Developers agree to:

• Protect API credentials;
• Follow technical standards;
• Implement security safeguards;
• Use services only for lawful purposes.

MTMPay may suspend, modify, revoke, or restrict access to APIs or integrations at any time.

To the maximum extent permitted by law, MTMPay shall not be liable for:

• Indirect losses;
• Consequential damages;
• Loss of profits;
• Business interruption;
• Banking network failures;
• Regulatory actions;
• Service interruptions;
• Force majeure events.

Services are provided on an “as available” and “as is” basis.

Users agree to indemnify and hold harmless MTMPay, its directors, officers, employees, affiliates, partners, and agents from claims, liabilities, damages, losses, penalties, and expenses arising from:

• Violation of these Terms;
• Violation of laws;
• Fraudulent activities;
• Misuse of services.