Terms of Service

By using Paypadi Africa's services — including Pay, Shop, Ship, or any communication channel — you agree to these terms. If you do not agree, do not use the service.

1. Who We Are

Paypadi Africa is a payment facilitation service operated in Nigeria. We facilitate international transactions on behalf of Nigerian individuals and businesses. We are not a licensed bank, financial institution, or payment gateway. We are a service provider.

2. Services

Paypadi offers three services:

• Pay — We execute international payments on your behalf using a payment link or invoice you provide.
• Shop — We purchase goods from US online stores on your behalf and ship them to a designated address or forwarder.
• Ship — We receive goods at our Claymont, Delaware warehouse and deliver them to an address in Nigeria, including customs clearance.

3. How Transactions Work

All transactions begin via WhatsApp. You provide details (payment link, product URL, or item to ship). We provide a Naira quote. You fund the quoted amount via bank transfer to Paypadi. We execute and confirm.

The rate quoted includes our FX spread. No additional fee is charged after confirmation. Rates are locked at the point of confirmation and funding — not at the point of inquiry.

4. Payment and Funding

You fund all transactions in Nigerian Naira (NGN) via bank transfer to Paypadi's designated account. Paypadi does not accept cash. We do not hold your funds beyond the settlement of each transaction.

Once you transfer funds for a confirmed order, you authorise Paypadi to execute the transaction on your behalf. Funds are non-refundable except where Paypadi fails to execute (see Refund Policy below).

5. Refund Policy

Paypadi will issue a full Naira refund if:

• A payment fails across all available routes and cannot be completed.
• A purchased item is unavailable and no acceptable substitute is confirmed by you.
• Paypadi is unable to execute a confirmed, funded transaction for any reason within our control.

Refunds are processed to the originating Nigerian bank account within 24 hours of the decision to refund. We do not refund FX gains or losses on transactions that were successfully executed.

6. Prohibited Use

You may not use Paypadi to:

• Purchase prohibited or illegal goods or services under Nigerian or US law.
• Facilitate money laundering, fraud, or financial crime.
• Make payments to sanctioned entities or in violation of applicable regulations.
• Misrepresent the nature or destination of any transaction.

Paypadi reserves the right to refuse, cancel, or report any transaction suspected to fall into these categories.

7. Shipping Restrictions

Paypadi ships any legal goods consistent with standard international shipping laws. Prohibited items include but are not limited to: controlled substances, weapons, counterfeit goods, and items restricted under IATA regulations for air freight. Compliance with shipping regulations is the client's responsibility. Paypadi flags known compliance issues at the quoting stage.

8. Customs Clearance

For Ship transactions, Nigerian customs clearance is handled by Paypadi and included in the quoted price. We do not guarantee release timelines where delay arises from Nigerian Customs Service actions outside Paypadi's control. We will notify you promptly of any customs issue.

9. Liability

Paypadi's liability is limited to the Naira amount you funded for a given transaction. We are not liable for:

• Losses arising from FX movement after a transaction is confirmed.
• Damage to goods in transit by third-party carriers (documented and reported to the carrier on your behalf).
• Delays caused by customs, airlines, or third-party logistics providers.
• Business losses, consequential losses, or indirect damages.

10. Confidentiality

Transaction details shared with Paypadi are kept confidential and used solely to execute the requested service. We do not sell or share client data with third parties except where required by law.

11. Changes to Terms

We may update these terms at any time. Changes take effect when posted at this URL. Continued use of Paypadi after a change constitutes acceptance of the updated terms.

12. Governing Law

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes are subject to the jurisdiction of Nigerian courts.

13. Contact

For questions about these terms, contact us at hello@paypadi.africa or via WhatsApp at +234 706 560 8358.