Terms of Service

These Terms of Service (“Terms”) are a binding agreement between you and the company operating the Radok Pay platform (“Radok”, “we”, “us”, or “our”). They govern your access to and use of radokpay.com, the merchant dashboard, hosted checkout and payment-link pages, APIs, webhooks, documentation, and related products and services (together, the “Services”).

By creating an account, accessing the dashboard, calling our APIs, or otherwise using the Services, you accept these Terms and our Privacy Policy in full. If you do not agree, you must not use the Services.

If you use the Services on behalf of a company or other legal entity, you represent that you are authorised to bind that entity, and “you” means that entity.

The Services are offered to businesses and their authorised users. You must be at least 18 years old and capable of forming a binding contract under applicable law. We do not knowingly provide accounts to individuals under 18.

Live payment operations require business verification (KYB) as described in the product and dashboard. Until KYB is approved, live keys and live money movement may be restricted. Test-mode Services may be available without live KYB.

You are responsible for all activity under your account, including actions by invited team members. Keep credentials confidential, enable two-factor authentication where required, and notify us promptly of unauthorised access. We may treat instructions authenticated with your credentials or API keys as authorised by you.

Subject to these Terms and your plan, the Services may include:

• Money in: collections, virtual accounts, and hosted payment links
• Money out: payouts to Nigerian bank accounts
• Developer tools: secret API keys, webhooks, sandbox/test environment, and documentation
• Business operations: KYB, team roles and permissions, and security controls
• Optional identity checks (for example BVN or NIN verification) where enabled

Feature availability may differ between test and live environments. Product descriptions on our website are informational; these Terms and your dashboard controls prevail if there is a conflict.

Collections and payouts move value through banking and payment partners. Settlement timing, supported rails, and operational limits are as shown in the dashboard, API responses, or pricing pages, and may change as partners or regulations require.

Fees for live Services are as published on our pricing page or as otherwise agreed with you. Test-mode activity is fee-free unless we state otherwise. Your balance may be debited for payouts including applicable fees. Insufficient balance may cause a payout to fail.

We may reverse, withhold, or delay settlement where required for fraud, chargeback-equivalent disputes, AML/CFT checks, legal process, partner instructions, or suspected Terms breaches. You remain responsible for amounts owed to us and for honouring successful collections to your customers under your own customer terms.

You are responsible for taxes applicable to your use of the Services. Radok does not provide tax advice.

API keys and webhook secrets must be kept confidential and used only for your own systems. You must not embed secret keys in client-side code, public repositories, or untrusted environments. Rotate or revoke keys immediately if compromised.

You must honour rate limits and use the Services only as documented. Webhook endpoints you configure must be publicly reachable over HTTPS and must verify signatures as described in our documentation. You are responsible for handling events idempotently.

We may suspend API access that threatens platform stability, security, or compliance.

You must use the Services only for lawful business purposes and in compliance with Nigerian law, partner bank rules, and any card-scheme or scheme-equivalent rules that apply to your activity.

You must not use the Services to:

• Violate any law, regulation, sanctions regime, or court order
• Process payments for illegal goods or services, stolen goods, or intellectual-property infringement
• Facilitate fraud, money laundering, terrorist financing, or sanctions evasion
• Operate unlicensed money transmission, unlicensed gambling, or other activity requiring a licence you do not hold
• Sell or promote adult sexual content, weapons, illegal drugs, or other high-risk categories we designate as prohibited
• Interfere with the Services, probe systems without authorisation, introduce malware, or circumvent security or rate limits
• Misrepresent your identity, beneficial ownership, or the nature of your business during KYB or ongoing monitoring

We may refuse, suspend, or terminate accounts or transactions that present elevated legal, fraud, or reputational risk, including categories that require pre-approval. Contact us before onboarding if your business is high-risk or regulated.

You are the merchant of record toward your customers unless we expressly agree otherwise. You must provide your own terms, privacy notice, and receipts as required by law, and must not use Radok branding in a way that suggests Radok is the seller of your goods or services.

You must collect only the customer data needed for the payment, keep it accurate, and process it under a lawful basis. Where you initiate KYC checks through Radok, you represent that you have the right to submit the identifiers and that your use complies with applicable identity and data-protection law.

We implement administrative and technical controls appropriate to a payments platform, including access roles, session controls, two-factor authentication for sensitive actions, secret API keys, and separation of test and live environments. More detail is on our Security page.

No method of transmission or storage is completely secure. You must configure your systems, protect endpoints, and use strong authentication. Losses arising from your failure to safeguard credentials or follow documented security practices remain your responsibility to the extent permitted by law.

Radok and its licensors own all right, title, and interest in the Services, including software, documentation, trademarks, and branding. These Terms do not transfer ownership of any intellectual property to you.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services solely for your internal business purposes in accordance with these Terms. You must not copy, modify, reverse engineer, or create derivative works of the Services except as allowed by mandatory law.

You retain ownership of content and data you submit. You grant Radok a licence to host, process, and transmit that content as needed to provide the Services and meet legal obligations. Feedback you provide may be used by us without obligation to you.

The Services depend on banks, payment service providers, cloud infrastructure, communications providers, and other vendors. Those parties’ terms and availability may affect settlement timing and feature availability. We are not responsible for third-party outages beyond our reasonable control, though we will work in good faith to restore service.

You may stop using the Services at any time and may request account closure through the dashboard or contact channels, subject to settling outstanding balances and completing required compliance holds.

We may suspend or terminate access immediately if we reasonably believe you breached these Terms, pose fraud or AML risk, fail KYB or ongoing monitoring, threaten platform security, or if a partner or regulator requires it.

On termination, your right to use the Services ends. Provisions that by nature should survive — including fees owed, IP, confidentiality, disclaimers, liability limits, indemnity, and governing law — survive termination. We may retain records as required by law and our Privacy Policy.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE MAXIMUM EXTENT PERMITTED BY LAW, RADOK DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

We do not warrant that any particular bank transfer will settle by a specific time, or that name enquiry or KYC results from third parties are complete or accurate beyond the data those parties return.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RADOK WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RADOK’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE FEES YOU PAID TO RADOK FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY. IF YOU HAVE PAID NO FEES IN THAT PERIOD, OUR TOTAL LIABILITY WILL NOT EXCEED ONE HUNDRED THOUSAND NAIRA (₦100,000).

Nothing in these Terms excludes liability that cannot be excluded under applicable law, including liability for fraud or fraudulent misrepresentation.

You will indemnify and hold harmless Radok and its officers, directors, employees, and agents from and against claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Services; (b) your breach of these Terms; (c) your products, services, or relationship with your customers; (d) your KYB or KYC submissions; or (e) infringement or violation of third-party rights resulting from content or data you provide.

We may update these Terms from time to time by posting a revised version on this page with an updated date. Material changes will also be notified through the dashboard or the email associated with your account where practicable. Changes are not retroactive.

Continued use of the Services after the effective date of changes constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Services and close your account.

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law rules. Courts in Nigeria have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Services, subject to any mandatory consumer or other protections that cannot be waived.

Before filing a claim, you agree to contact us and attempt in good faith to resolve the dispute informally within thirty (30) days.

These Terms, together with the Privacy Policy and any order forms or pricing agreements we execute with you, are the entire agreement regarding the Services and supersede prior discussions on the same subject. If a provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. The English language controls.

Questions about these Terms: use our contact page or email support.team@radokpay.com. Operational support requests should use the same channels unless your dashboard shows a dedicated support address.