FlazhPay provides a payment identity network: an @handle-based identity, multiple ways to specify a payment destination (scan, voice, photo, type), verification of destinations against NIBSS records, and initiation of bank-to-bank payments through a CBN-licensed partner bank. FlazhPay is not a bank and does not hold customer funds.
You must be at least 18, provide accurate information, and complete BVN verification before sending money. You are responsible for keeping your device and authentication methods secure. Handles are subject to our format and reserved-name rules.
Every payment shows you the NIBSS-verified registered account name before you confirm. By confirming with your biometric or PIN, you authorize our partner bank to debit your linked account under the direct-debit mandate you approved at setup. Payments confirmed to a verified destination are generally irreversible once settled on NIBSS NIP; disputes can be raised in-app.
Receiving is free. Sending is free for the first 15 sends per calendar month, then ₦15 per send. Business accounts are ₦1,500 per month with unlimited sends. Your bank's standard NIP charges may apply. We will notify you before any fee changes take effect.
You may not use FlazhPay for fraud, money laundering, or any unlawful purpose; attempt to circumvent verification or transaction limits; or misrepresent your identity. We may suspend accounts that present fraud or compliance risk, subject to applicable law.
Your Trust Score is an informational signal computed from network activity. It is not a credit score or a guarantee of any person's conduct. Your numeric score is visible only to you; others see your band.
The service is provided with reasonable skill and care. We are not liable for losses caused by your bank, NIBSS outages, or details you confirmed that were verified and displayed accurately to you before payment. Nothing in these terms excludes liability that cannot be excluded under applicable law.
You may close your account at any time; regulatory records are retained as required by law. We may update these terms with notice. Continued use after notice constitutes acceptance.
These terms are governed by the laws of the jurisdictions in which FlazhPay operates, as specified at account creation.
legal@flazhpay.com · FlazhPay Technologies Ltd.