Terms of Service

By downloading, accessing or using the eAlkePay app and services, you agree to these Terms of Service and our Privacy Policy.

If you do not agree with any part of these terms, you should not use our services.

You must be at least 18 years old and capable of entering into a binding contract to use eAlkePay.

You agree to provide accurate, complete information and to keep it up to date, including completing identity verification (KYC) where required, and to use the account only for lawful purposes.

eAlkePay provides a salary-to-wallet and payment access platform. Services may include wallet funding, transfers, bill payments, airtime/data, bank and mobile money cash-out/cash-in, transaction history and customer support, subject to availability and your KYC tier.

Wallet holding and certain payment services may be provided in partnership with a licensed EMI/PSP sponsor and payment partners.

You are responsible for maintaining the confidentiality of your login credentials, PIN and biometric access, and for all activity under your account.

You must notify us immediately of any unauthorised use. We may suspend, restrict or close accounts where KYC is incomplete or false, suspicious activity is detected, these Terms are violated, or where required by law, a regulator or our payment sponsor.

All transactions are subject to applicable fees and KYC-tier limits, which are shown before you confirm. Once confirmed, transactions may be irreversible.

Current service fees (covering payment-partner processing costs plus an eAlkePay margin): eAlkePay-to-eAlkePay transfers are free; MoMo cash-in is 2.5% (minimum GH₵0.50) with the net amount credited; MoMo send/cash-out is 2.0% (minimum GH₵1.00); bank cash-out is 2.5% (minimum GH₵1.50, capped at GH₵25.00). Airtime and bill payments have no eAlkePay fee unless a partner pass-through applies.

You are responsible for ensuring transaction details are correct. eAlkePay is not liable for transfers made to incorrect recipients due to inaccurate information you provide. Refund and reversal handling depends on sponsor, bank or mobile money operator confirmation.

You agree not to use eAlkePay for any unlawful, fraudulent or abusive activity, including money laundering, financing of illegal activities, impersonation, harassment or interference with security features.

We reserve the right to suspend or terminate accounts that violate these terms or applicable laws.

You may delete your account in the eAlkePay app under Profile → Privacy Settings → Delete Account, or by contacting support@ealkepay.com.

Deletion closes access to the service. Certain KYC, transaction and complaint records may be retained as required by law or our payment sponsor, as described in the Privacy Policy.

eAlkePay provides its services on an “as is” basis. To the maximum extent permitted by law, we are not liable for indirect or consequential losses arising from your use of the service, network outages, third-party payment rails or incorrect details supplied by you.

These Terms are governed by the laws of Ghana, without regard to conflict-of-law provisions.

Questions about these terms? Contact eAlkePay Technologies LTD at support@ealkepay.com or http://localhost:3000/contact.