These Terms and Conditions govern your use of Payfela, including services for bills payment, airtime and data purchases, WAEC result checking, bulk SMS, multilevel marketing, and other features. By using Payfela, you agree to these terms.
By accessing or using the Payfela platform, you accept these Terms and Conditions. If you disagree, please discontinue use of the platform.
You must be at least 18 years old to use Payfela.
You are responsible for ensuring the accuracy and current status of your registration information.
You must register an account on Payfela to access services. During registration, you’ll provide your name, phone number, email, and password.
Keep your login information confidential and report any unauthorized account activity.
Payfela offers:
Transaction Fees: Fees apply to some Payfela transactions (e.g., bill payments, SMS). These fees are displayed before transaction completion.
Refunds: Refunds are issued only for failed transactions due to Payfela’s system errors.
Wallet: Your Payfela wallet can store funds for transactions.
Level 1: Earn ₦3 for each data purchase made by direct referrals.
Level 2: Earn ₦2 for each data purchase made by second-level referrals.
Level 3: Earn ₦1 for each data purchase made by third-level referrals.
Earnings can be withdrawn, used for Payfela transactions, or transferred to other users.
Investment: Invest funds with a guaranteed return after a specified period.
Loan Access: Available to active Payfela users with three months of app use and a minimum of 100 non-direct downlines.
Join thrift groups for group savings.
Group admins manage contributions, payout schedules, and distribution. Funds are paid to Payfela wallets for withdrawal to bank accounts.
Payfela allows offline airtime, data purchases, and bill payments via SMS or customer care calls. Service charges may apply.
Your use of Payfela signifies acceptance of our data collection and usage practices, as outlined in our Privacy Policy. Report suspicious account activity immediately.
Payfela may suspend or terminate accounts for fraudulent or policy-violating activities. You may also request account closure at any time.
Payfela is not liable for:
Payfela may update these Terms periodically. Continued use of the service implies acceptance of updated terms.
These Terms are governed by Nigerian law. Any disputes shall be resolved in Nigerian courts.
For questions or concerns, contact:
By using Payfela, you agree to these Terms and Conditions and are committed to adhering to our guidelines.
