These Terms and Conditions ("Terms") govern your access to and use of the Payfrico platform, including our website, web application and any related services (together, the "Service"). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.
Operator: Mask Antword Enterprise
Address: Accra, Ghana
Email: Payfrico@gmail.com
Phone / WhatsApp: 0594401046
Payfrico is a digital platform operating in Ghana that allows registered users to purchase everyday digital services, including:
Payfrico acts as a reseller and technology intermediary. The underlying services are delivered by third-party providers and network operators. We do not operate the mobile networks, utility companies or examination bodies whose products we resell.
You must be at least 18 years old and legally capable of entering a binding contract to use the Service. You agree to provide accurate, current information when registering and to keep it up to date.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately if you suspect unauthorised access.
We may suspend or terminate any account that we reasonably believe has been used for fraudulent, unlawful or abusive activity, or that breaches these Terms.
To purchase services you must first fund your Payfrico wallet. Wallet funding is processed through licensed third-party payment providers using Mobile Money. Amounts credited to your wallet reflect the amount successfully received, less any applicable processing fees disclosed at the time of payment.
Your wallet balance is prepaid credit for purchasing services on Payfrico. It is not a deposit, savings account, investment or electronic money product. It earns no interest and is not covered by any deposit protection scheme.
Prices displayed in the Service are inclusive of our margin and are shown before you confirm any purchase. Prices depend on wholesale rates from our suppliers and may change at any time without prior notice. The price shown at the moment you confirm an order is the price that applies to that order.
Most orders are delivered within seconds, though delivery times depend on the relevant network or provider and may occasionally be delayed. An order marked "processing" has been accepted by the provider but not yet confirmed as delivered.
You are responsible for entering the correct recipient details — phone number, meter number, account number or similar. Once an order has been delivered to the details you supplied, it cannot be reversed. We are unable to recover value delivered to an incorrect number or account entered in error.
If an order fails or is rejected by the provider, the amount charged is automatically returned to your Payfrico wallet, normally within minutes. Where an order remains unresolved, contact support with the order reference and we will investigate with the provider.
Refunds are made to your Payfrico wallet balance. We do not, as a general rule, return funds to your Mobile Money account, except where required by law or at our sole discretion in exceptional circumstances.
Registered users may apply to operate a Payfrico storefront as an agent. Agents may set their own retail margin on eligible products within limits set by us, and may withdraw commissions earned to a Mobile Money account they have verified.
Agents are independent and are not employees, partners or representatives of Payfrico. Agents are solely responsible for their own customer relationships, pricing decisions, and any tax obligations arising from their activity.
We may operate a referral programme through which users earn a commission when people they invite make qualifying purchases. Commission rates, qualifying purchases and payout conditions are set out in the Service and may be varied or withdrawn at any time. We may reverse commissions arising from fraudulent, self-referred or artificially generated activity.
You agree not to use the Service to:
Where we issue you an API key, you are responsible for keeping it secret and for all activity carried out with it. We may rate-limit, suspend or revoke API access at any time, in particular where usage threatens the stability of the Service. API pricing and available endpoints may change.
We aim to keep the Service available at all times but do not guarantee uninterrupted access. The Service may be unavailable during maintenance, or because of failures at third-party providers, networks or infrastructure outside our control.
To the fullest extent permitted by Ghanaian law:
Nothing in these Terms excludes liability that cannot lawfully be excluded.
We may update these Terms from time to time. The updated version takes effect when published on this page, and the "last updated" date will change accordingly. Continuing to use the Service after an update constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the Republic of Ghana. Any dispute arising from them is subject to the exclusive jurisdiction of the courts of Ghana.
Questions about these Terms can be sent to Payfrico@gmail.com or 0594401046.
See also our Privacy Policy.