Dirapay Terms of Use


Last Updated: 1st Nov 2023.


Welcome to the Dirapay by accessing or using our website or mobile application, you agree to comply with and be bound by the following terms and conditions of use. Please read these terms carefully before using the Dirapay App.


Third-Party Providers

When utilizing specific Dirapay Services, you explicitly acknowledge and grant Dirapay the authority to share information with our third-party service providers. These providers encompass:


1. KUDA TECHNOLOGIES LIMITED For payment processing, adding cash, bills Payment, and cashouts.


Your use of these services is governed by the respective provider's terms of service and privacy policies. By accepting these Terms of Use, you authorize Dirapay to create and manage accounts on your behalf with these third-party providers. Dirapay is empowered to consent and agree to necessary terms and policies, and to execute transactional and investment instructions (e.g., transfer, buy, sell) on your behalf concerning these third-party accounts.


You acknowledge that Dirapay may access and retrieve your information from these accounts to display relevant information and facilitate your use of those accounts through Dirapay Services. Upon termination of your Dirapay Account, Dirapay will close all affiliated and third-party accounts as directed and authorized by you.


To the extent permissible under applicable law, you understand and agree that Dirapay, acting on your behalf with our third-party business partners, will not be liable for any losses incurred by you concerning these third-party accounts, except for proven actual losses directly resulting from Dirapay's willful misfeasance, bad faith, or gross negligence under this Agreement.


Dirapay shall not be liable for Losses arising from:


1. Any action on your part.

2. Force majeure or events beyond Dirapay's control, including computer or electronic failures, unauthorized access, strikes, pandemics, failures of common carrier or utility systems, severe weather, or breakdowns in communications.

3. General market conditions unrelated to any violation of this Agreement by Dirapay.


You have the option to obtain a copy of this Agreement applicable to you, available on the Website or App for download at any time and without charge. Alternatively, contact us at [email protected], and we will provide a copy via email or post.




1. Account Opening:


1.1 Eligibility:

To use the Dirapay App and its features, you must be at least 18 years old and capable of forming a binding contract.


1.2 Account Information:

You agree to provide accurate and complete information during the account opening process. You are responsible for maintaining the confidentiality of your account information and ensuring its security.


1.3 Account Termination:

Dirapay reserves the right to suspend or terminate your account if any information provided is found to be inaccurate, or incomplete, or if you violate any terms of use.


2. E-Money Services:


2.1 Definition:

The Dirapay App provides e-money services that allow you to electronically store and transact funds.


2.2 Usage:

You may use the e-money services to make transactions within the Dirapay network and with participating merchants.


2.3 Fees:

Certain e-money services may be subject to fees. By using these services, you agree to any applicable fees, which will be communicated.


2.4 Security:

You are responsible for maintaining the security of your e-money account. Notify Dirapay immediately of any unauthorized transactions or security breaches.


3. General Terms:


3.1 Acceptance of Terms:

By using the Dirapay App, you accept and agree to abide by these Terms of Use. If you do not agree with any part of these terms, please refrain from using the app.


3.2 Changes to Terms:

Dirapay reserves the right to update, modify, or revise these terms at any time. Changes will be effective upon posting. Continued use of the app after changes constitutes acceptance of the updated terms.


3.3 Termination:

Dirapay may terminate or suspend your access to the app at any time, with or without cause.


3.4 Privacy:

We take your privacy seriously and will not share your personal information with third parties except as necessary to process your payments or as required by law. Please review our privacy policy for more information


3.5. Disclaimer of Warranties:

 We provide Dirapay website and bill payment service “as is” and without any warranties, express or implied. We do not warrant that our website or service will be uninterrupted or error-free, or that any defects will be corrected


3.6. Governing Law: 

These terms and conditions are governed by and construed by the laws of Nigeria. Any disputes arising out of or related to these terms and conditions will be resolved exclusively in the courts of Nigeria.


3.7. Fees: 

We may charge a fee for using our bill payment service. Any fees will be disclosed before you make a payment. By using our service, you agree to pay any applicable fees.


3.8. Payment Processing: 

We use a secure payment processing system to process your bill payments. You are responsible for providing accurate payment information, including the correct account number and payment amount. We are not responsible for any errors or delays in payment processing resulting from inaccurate or incomplete payment information.


3.9. Accuracy of Information: We make every effort to ensure that the information on Dirapay is accurate and up-to-date. However, we do not guarantee the accuracy, completeness, or timeliness of the information provided. It is your responsibility to verify the accuracy of any information before relying on it.


By using the Dirapay website or mobile application, you acknowledge that you have read, understood, and agreed to these Terms of Use. If you have any questions or concerns, please contact us at [email protected].


Thank you for choosing Dirapay!