Airopay is committed to managing your Personal Information in line with global industry best practices. You can read our Privacy Policy to understand how we use your information and the steps we take to protect your information.


We try to keep Airopay available at all times, bug-free and safe, however, you use it at your own risk. Our website and services are provided "as is" without any express, implied and/or statutory warranties (including, but not limited to, any implied or statutory warranties of merchantability, fitness for a particular use or purpose, title, and non-infringement of intellectual property rights) without limiting the generality of the foregoing, Airopay makes no warranty that our website and services will meet your requirements or that our website will be uninterrupted, timely, secure, or error free. Nddso advice or information, whether oral or written, obtained by you through our website or from Airopay, its parents, subsidiaries, or other affiliated companies, or its or their suppliers (or the respective officers, directors, employees, or agents of any such entities) (collectively, "Airopay parties") shall create any warranty.

Limitation of Liability

    In no event will Airopay or its parent company be liable for

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages. Accordingly, some of the above disclaimers and limitations of liability may not apply to you. To the extent that any Airopay Party may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of the Airopay Party's liability shall be the minimum permitted under such applicable law.


You agree to defend, indemnify, and hold Airopay, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of this Agreement.

Updates, Modifications & Amendments

We may need to update, modify, or amend our Agent Terms of Service as our technology evolves. We reserve the right to make changes to this Agent Terms of Service at any time by giving notice to users on this page.We advise that you check this page often, referring to the date of the last modification on the page If youTerms of Service have any objection to any of the changes to this Agent Terms of Service, you must cease using our website and/or services immediately.

Legal Disputes

We shall make an effort to settle all disputes amicably. Any dispute arising out of this Agreement which cannot be settled, by mutual agreement/negotiation within 1 (one) month shall be referred to arbitration by a single arbitrator at the Lagos Multi-Door Courthouse (“LMDC”) and governed by the Arbitration and Conciliation Act, Cap A10, Laws of the Federal Republic of Nigeria. The arbitrator shall be appointed by both of us (we and you), where both of us are unable to agree on the choice of an arbitrator, the choice of arbitration shall be referred to the LMDC. The findings of the arbitrator and subsequent award shall be binding on both of us. Each of us shall bear our respective costs in connection with the Arbitration. Venue for the arbitration shall be Lagos, Nigeria.


If any portion of these Terms of Service is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms of Service and shall not affect the validity or enforceability of any other part in this Terms of Service.


You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Assigning or sub-contracting any of your rights or obligations under these Terms of Use to any third party is prohibited. We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under these Terms of Use to any third party.

Acceptable Use Policy

By accessing or using Airopay, you agree to comply with the terms and conditions of this Acceptable Use Policy.

Restricted Activities

    You may not use Airopay in connection with any product, service, transaction, or activity that:
  • violates any law or government regulation or promotes or facilitates such by third parties.
  • violates any rule or regulation of Visa, MasterCard, Verve or any other electronic funds transfer network (each, a “Card Network”).
  • is fraudulent, deceptive, unfair, or predatory.
  • causes or threatens reputational damage to us or any Card Network.
  • involves any of the business categories listed in clause 2 below; or
  • results in or creates a significant risk of chargebacks, penalties, damages or other harm or liability.
Certain Business Categories

    You may not use Airopay in connection with any product, service, transaction, or activity that:
  • Falls within the Prohibition List of the Nigerian Customs Administration of the Federal Republic of Nigeria
  • Relates to the sale and/or purchase of:
    1. banned narcotics, steroids, certain controlled substances, or other products that present a risk to consumer safety
    2. blood, bodily fluids, or body parts
    3. burglary tools
    4. counterfeit items
    5. illegal drugs and drug paraphernalia
    6. fireworks, destructive devices, and explosives
    7. identity documents, government documents, personal financial records, or personal information (in any form, including mailing lists)
    8. lottery tickets, sweepstakes entries, or slot machines without the required license
    9. offensive material or hate speech or items that promote hate, violence, racial intolerance, or the financial exploitation of a crime
    10. police badges or uniforms
    11. chemicals
    12. recalled items
    13. prohibited services
    14. unlicensed financial services, stocks, or other securities
    15. stolen property
    16. items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction
    17. sales of currency without a Bureau De Change license, certain cryptocurrency operators
    18. obscene material or pornography
    19. certain sexually oriented materials or services
    20. certain firearms, firearm parts or accessories, ammunition, weapons, or knives
    21. any product or service that is illegal or marketed or sold in such a way as to create liability to Airopay
  • Relate to transactions that:
    1. show the personal information of third parties in violation of applicable law.
    2. support pyramid or Ponzi schemes, matrix programs, other 'get rich quick' schemes or certain multi-level marketing programs
    3. are associated with purchases of annuities or lottery contracts, lay-away systems, offshore banking, or transactions to finance or refinance debts funded by a credit card.
    4. pertain to ammunitions and arms; and
    5. involve gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator has obtained prior approval from Airopay and the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.
Actions by Airopay

    If, in our sole discretion, we believe that you may have engaged in any violation of this Acceptable Use Policy, we may (with or without notice to you) take such actions as we deem appropriate to mitigate risk to Airopay and any impacted third parties and to ensure compliance with this Acceptable Use Policy. Such actions may include, without limitation
  • Blocking the settlement or completion of one or more payments.
  • Suspending, restricting, or terminating your access to and use of the Airopay’s Services.
  • Terminating our business relationship with you, including termination without liability to Airopay of any payment service agreement between you and Airopay.
  • Taking legal action against you.
  • Contacting and disclosing information related to such violations to
    1. persons who have sold/purchased goods or services from you,
    2. any banks or Card Networks involved with your business or transactions,
    3. law enforcement or regulatory agencies, and
    4. other third parties that may have been impacted by such violations; or
  • Assessing against you any fees, penalties, assessments, or expenses (including reasonable attorneys’ fees) that we may incur because of such violations, which you agree to pay promptly upon notice.
Updates, Modifications & Amendments

We may need to update, modify, or amend our Acceptable Use Policy at any time. We reserve the right to make changes to this Acceptable Use Policy.We advise that you check this page often, referring to the date of the last modification on the page.