These terms form a binding agreement between you and BongoPay. Please read them carefully before creating a merchant account, generating a payment link, or integrating our API.
These Terms and Conditions (the "Terms") govern your access to and use of BongoPay, a payment technology platform operated by Bongofey ("BongoPay", "we", "us" or "our"). By registering a merchant account, integrating our Application Programming Interface (API), generating a payment link, or otherwise using any part of the platform (the "Services"), you ("Merchant", "you") accept these Terms together with our Privacy Policy, Prohibited Businesses Policy, Disclaimer, and any operating rules or notices published in your dashboard.
If you accept these Terms on behalf of a company, cooperative, or other legal entity, you confirm that you are authorised to bind that entity. If you do not agree with any part of these Terms, you must not use the Services.
To use BongoPay you must be at least 18 years old and operate a lawful business or activity in the United Republic of Tanzania. You agree to provide accurate, current and complete information during registration and to keep it up to date.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@bongopay.net if you suspect unauthorised access. Each business must maintain only one primary account unless we agree otherwise in writing.
To protect the payment system and comply with anti-money-laundering (AML) and know-your-customer (KYC) obligations, we may require verification documents before or after activation. These may include your National Identification Number (NIDA), Taxpayer Identification Number (TIN), business licence or registration, proof of address, and settlement bank or mobile-money details.
We may refuse, delay, limit or revoke access where verification is incomplete, information appears inaccurate, or a risk concern arises. Providing false, forged or misleading information is a material breach of these Terms and may be reported to the relevant authorities.
BongoPay is a technology layer that helps you collect payments; it is not itself a bank, mobile-network operator, or licensed financial institution. Collection, clearing and settlement are performed over the Selcom network under Selcom's licences. BongoPay records each Merchant's transactions internally and maintains a per-Merchant balance.
We do not guarantee uninterrupted availability of the Services. Mobile networks, Selcom, or internet infrastructure may experience downtime, maintenance, or delays outside our control.
Unless a different plan is agreed in writing, BongoPay deducts a standard platform fee of 6% from each successful payment. The fee is calculated and deducted automatically, and the net amount is credited to your Withdrawable Balance once Selcom confirms the payment as paid.
Fees may change with reasonable prior notice published in your dashboard or on this website. Applicable government taxes, levies, or mobile-money charges may apply in addition to our fee.
You may request a withdrawal of your available balance to a supported mobile-money or bank account. Withdrawal requests are subject to review and approval. For fraud prevention, dispute resolution, or regulatory reasons, we may hold, delay, or decline a payout, request additional information, or place a temporary reserve on part of your balance.
You are responsible for the accuracy of the payout details you provide. BongoPay is not liable for funds sent to an incorrect account number or phone number that you supplied.
Refund, delivery and after-sale obligations are between you and your Customer. You are responsible for honouring your own refund and cancellation policy and for delivering the goods or services your Customer paid for. Where a Customer raises a payment dispute, we may assist with transaction traceability and, where appropriate, request that you resolve the matter or refund the Customer.
We may debit your balance or place funds on hold to cover confirmed refunds, reversals, disputed transactions, or fraud losses attributable to your account.
You may use BongoPay only for lawful business. You must not use the Services for any activity listed in our Prohibited Businesses Policy, or for any transaction that is fraudulent, deceptive, or intended to launder money or finance illegal activity. We monitor for prohibited use and may act immediately where we detect it.
You represent and warrant that you hold all licences, permits and approvals required for your business; that you will comply with all applicable Tanzanian laws, including tax obligations; that your goods and services are legal; and that your use of BongoPay will not infringe the rights of any third party or violate any card-scheme, mobile-network, or payment-partner rule.
To protect the platform, Customers, and payment partners, we may at our reasonable discretion delay settlement, freeze a balance, hold a rolling reserve, limit transaction volumes, suspend, or terminate an account where we detect fraud, excessive disputes, prohibited activity, regulatory risk, or a breach of these Terms.
Your secret API keys authenticate requests as you and must be kept confidential and used only from your own server — never embedded in browser JavaScript, mobile apps, or public repositories. You are responsible for all activity performed with your keys. Selcom credentials belong solely to BongoPay, are never exposed to Merchants or Customers, and must never be requested from or shared by any Merchant.
BongoPay, the Bongofey name, our logos, software, documentation and design are the property of Bongofey and its licensors. These Terms grant you a limited, non-exclusive, non-transferable right to use the Services; they do not transfer any ownership to you.
You agree that dashboard notices, email confirmations, transaction records, API logs and webhook logs constitute valid records of your use of the Services and may be relied upon consistent with the Electronic Transactions Act, 2015. You consent to receive operational and legal communications electronically.
To the maximum extent permitted by law, BongoPay and Bongofey are not liable for indirect, incidental, special, or consequential losses, including lost profits or lost data, arising from your use of or inability to use the Services. Nothing in these Terms limits any liability that cannot lawfully be excluded.
You agree to indemnify and hold harmless BongoPay, Bongofey, and our partners from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms, your violation of any law, or a dispute between you and your Customer.
You may stop using the Services at any time. We may suspend or terminate your access, with or without notice, for breach of these Terms, prohibited activity, legal or regulatory requirements, or risk to the platform. On termination, we may withhold settlement of disputed or at-risk amounts for a reasonable period before releasing any remaining balance to which you are entitled.
These Terms are governed by the laws of the United Republic of Tanzania. The parties will first attempt to resolve any dispute amicably; failing that, the dispute is subject to the jurisdiction of the competent courts of Tanzania.
We may update these Terms from time to time as our Services, applicable laws, regulator expectations, or payment-partner rules change. Material changes will be posted here with an updated date. Continued use of the Services after changes take effect means you accept the revised Terms.
Questions about these Terms can be sent to support@bongopay.net or through our contact page.