Acceptable use policy

The basics

• Use Payble only for real, lawful business, in your own name or your own business's name.
• Keep your sign-in secret. You are responsible for what is done with it, and for what your team does.
• Tell the truth when we ask who you are or what you sell.
• Follow the law of Nigeria and any rule that Our Payment Provider, the card networks or the regulators apply to the services.

What you must not do

Break the law

Use Payble for anything that is against the law in Nigeria or in the place where your customer is.

Deceive or steal

Take a payment for something you do not intend to supply. Use someone else's card, account or identity without their permission. Create false sales, invoices or payment links. Test stolen or guessed card details. Pretend to be Payble, a bank, one of our field sales representatives or another business (phishing).

Launder money or help someone who does

Move money you know or suspect comes from crime. Break a payment into smaller pieces to avoid checks or limits. Accept or send payments for someone else through your account. Run or promote a pyramid, Ponzi or "guaranteed returns" scheme. Take deposits or send money on behalf of others without the licence the law requires. See the Money Laundering (Prevention and Prohibition) Act, 2022 and the Terrorism (Prevention and Prohibition) Act, 2022.

Sell what should not be sold

Illegal drugs, weapons and ammunition, stolen or counterfeit goods, sexual content involving children, or anything that exploits or traffics people. Products that must be registered or licensed by law, such as medicines, food, drink and cosmetics, without the registration or licence the law requires. Gambling, betting, lotteries or gaming without a licence from the relevant federal or state regulator. Alcohol or tobacco to anyone under 18. Sexually explicit or adult content.

Offer regulated financial services without a licence

Trade, exchange or hold crypto or other virtual assets for others without registration with the Securities and Exchange Commission. Buy or sell foreign currency without a licence from the Central Bank of Nigeria. Lend money without the licence or registration with the Federal Competition and Consumer Protection Commission that the law requires. Sell investments or collect contributions or savings from the public without the registration the law requires.

Abuse the service

Attack, probe or overload our systems. Reverse-engineer or copy the software. Use bots, or scrape our website in bulk. Get round a limit, a fee or a suspension, for example by opening another account. Use Payble to send spam, unwanted messages or misleading receipts and invoices.

Misuse other people's data

Use your customers' phone numbers, emails or purchase records without a lawful basis under the Nigeria Data Protection Act, 2023, or send them marketing they have not agreed to. Share a customer's details with anyone who has no right to them.

Harm people

Threaten, harass or abuse our staff, our field sales representatives, your customers or other users.

Businesses that need extra checks

Some businesses can only be served with extra checks or a licence. For example: businesses that handle other people's money; car dealers, real estate agents, jewellers, hotels and dealers in precious metals or stones, which must show proof of registration with the Special Control Unit against Money Laundering (SCUML); charities, NGOs and religious bodies; and any business the law says needs a licence or registration. Our Payment Provider and the card networks may also have rules of their own about what can be sold. If you are not sure whether your business is one of these, ask us before you start, at support@mypayble.com. Being told "not yet" is better than having your account restricted later.

Selling fairly

• Describe what you sell honestly, and show the price before you take a payment.
• Deliver what you said you would, and keep records of the sale.
• If a customer disputes a payment, answer fairly and on time. Refund what you owe.
• Keep records of your sales for at least five years, and give us any information or documents we reasonably ask for to check a payment, a dispute or whether you are following this policy.

If the rules are broken

Depending on how serious it is and whether it looks accidental, we may:

• warn you and ask you to stop;
• delay, hold or refuse a payment while we check it, where the law or Our Payment Provider requires;
• limit what you can do in the app, or suspend or close your account (see the terms of service for the notice we give);
• report it to the police, the Economic and Financial Crimes Commission, the Nigerian Financial Intelligence Unit or another authority.

We will tell you why when we can. The law may stop us from telling you that we have made a report. If you think we have got it wrong, use our complaints policy.

Reporting misuse

If someone is using Payble, or our name, to cheat people, tell us at support@mypayble.com. To report something serious about our own staff or field sales representatives, see speak up. For personal safety, call the police first.

More about staying safe: our security page.