Terms of Service

1. The service

BirrPay is a payment orchestration processor. It routes payment sessions between your applications and payment gateways you configure (Flutterwave, Paystack, KoraPay, PayPal or others). BirrPay is not a bank, an aggregator, or a holder of your funds; settlement occurs through your own provider accounts.

2. Your responsibilities

You must hold lawful merchant agreements with each configured provider, keep your credentials secure, verify payments server-side before fulfilling orders, and process webhook events idempotently. You are responsible for the accuracy of amounts, currencies and customer data your apps submit.

3. Prohibited use

No unlawful goods or services, no fraud, no money laundering, no sanctions-evasion, no abuse of test mode to simulate production behavior, and no attempts to compromise the platform or other tenants. Violations lead to immediate suspension.

4. Fees

BirrPay charges the success-based fee shown in your dashboard on each successful transaction. Provider-side fees are your agreement with the provider. Fee configurations shown in-app are authoritative for your account.

5. Availability & liability

We target high availability but the service is provided "as is". BirrPay is not liable for provider outages, declined transactions, or indirect damages. Where liability cannot be excluded, it is limited to the fees you paid in the three months preceding the claim.

6. Changes & termination

We may update these terms with notice via the dashboard or email. Either party may terminate; sections concerning records, fees already incurred, and confidentiality survive termination.