Tabital Pay – Merchant Agreement

Your customers can buy from you and pay us over time (Pay in 2, 3 or 4, or pay in full). We take the credit risk: once you’ve delivered, you’re paid the price less our fee, whether or not the customer pays us on time.

We need your business name, owner, business registration number, tax ID, address, phone, email and a payout account (Mobile Money or bank) in the business’s or owner’s name. We can approve or decline an application, and ask for more documents at any time.

We charge a merchant fee on the product price of each sale. It includes the payment processing cost.

• We decide your tier and tell you before you start. We can review it, and we’ll tell you in writing before a new tier applies.
• The fee for a sale is fixed when we approve the order. A later tier change doesn’t affect sales already approved.
• Delivery fees: payouts are made on the product price. How delivery fees are handled is set out in your onboarding agreement with us.

Example: a GHS 4,000 phone at the standard 10% fee. Our fee is GHS 400, and you receive GHS 3,600.

1. The customer pays their down payment at checkout, and we approve the order.
2. You deliver or hand over the product and confirm delivery in your merchant dashboard. The sale is owed to you from that point: price × (1 − merchant fee).
3. You choose a payout cycle of 3, 7 or 30 days (default 7). At the end of each cycle, your delivered sales are grouped into one payout.
4. Our team approves each payout, and we send it through Paystack to your Mobile Money or bank account.
5. You can download statements of your sales, fees, deductions and payouts at any time.

We may hold a payout while we investigate suspected fraud (section 7). We’ll tell you why.

When you change your payout account, payouts are held for 48 hours and we notify you. This protects you if someone else gets into your account. If you didn’t make the change, contact us at once.

• Customers raise problems (not delivered, damaged, wrong item, returns) with you first, then with us. While a dispute is open, the customer’s plan is paused. We aim to decide within 21 days, and you must answer our questions and send evidence (for example proof of delivery) promptly, by the deadline we give you.
• Refunds and returns go through a Tabital dispute. Don’t refund a Tabital customer directly.
• If the customer wins: the sale is taken back. If you haven’t been paid for it yet, it’s removed from your next payout. If you’ve already been paid, the amount is deducted from your next payout(s). If there are no later sales to deduct from, you must repay the amount by the deadline in our notice.
• If the merchant wins, nothing changes for you.

We monitor for fraud, including fake sales, selling to yourself or to accounts linked to you, and repeated orders from one customer. If we find a serious issue, we stop new orders and hold payouts until we’ve reviewed it. You must not:

• process fake or split transactions;
• raise prices for Tabital customers;
• sell to yourself, your staff or anyone using your phone or payout number;
• take money from the customer outside Tabital for a Tabital order;
• promise customers terms Tabital doesn’t offer (for example “no fees” or “no checks”).

You can create a payment link or QR code for a product so a customer can buy in store or by chat. Each link works once and expires after 24 hours by default (you can choose 1 hour to 7 days). The normal checks and down payment still apply. In-store pickup has no delivery fee.

You’re responsible for your products and services: quality, stock, delivery, warranty, returns and customer service, and for following Ghana’s consumer protection, tax and other laws.

We don’t work with businesses selling illegal goods or services, gambling, adult content, weapons, counterfeit goods, unlicensed financial services or crypto schemes, or anything else prohibited in Ghana. During Phase 1, we work with sellers of phones, electronics, laptops and home appliances.

Use customer data only to fulfil their Tabital orders. Keep it secure, don’t sell or share it, and don’t use it for marketing without the customer’s consent. Follow the Data Protection Act, 2012 (Act 843).

Use the Tabital Pay name and logo only as we provide them. Describe our plans accurately: a down payment at checkout, then monthly payments, with late fees if a payment is late.

Either side can end this agreement with reasonable written notice. We can suspend or end it at once for fraud, a breach of this agreement, or a legal or regulatory reason. Sales you’ve already delivered are still paid, less any clawbacks.

We’re not responsible for your products or deliveries. Neither side is liable for indirect losses.

We’ll post changes here with a new version date and tell you in writing before they apply. Fee changes follow section 3.

This agreement is governed by the laws of Ghana.

Tabital Pay Ltd (registration number CS 117960626) · 37 Hillview St. (GZ-097-6119), 7th Avenue, Greda Estate, Teshie, Accra, Ghana · +233 50 395 0453 · info@tabitalpay.com · tabitalpay.com