These Terms & Conditions ("Terms") govern your access to and use of the NexttPay mobile application, website (www.nexttpay.com), and related services — including the NexttPay digital wallet, in-app payment features, and the checkout/"Pay with NexttPay" feature available on integrated third-party platforms (collectively, the "Platform" or "Services") — operated by NexttPay ("NexttPay," "we," "us," or "our"), a company with a registered office at No 5, Moses Adebisi Street, Lagos State, Nigeria.
By creating an account, downloading the app, or otherwise accessing or using the Services, you ("User," "you," or "your") agree to be bound by these Terms, our Privacy Policy, and any additional guidelines or rules applicable to specific features of the Platform. If you do not agree to these Terms, you must not access or use the Services.
We may update these Terms from time to time as described in Section 11 (Changes to These Terms). Your continued use of the Platform after any changes take effect constitutes your acceptance of the revised Terms.
To use NexttPay, you must be at least 18 years old (or the age of legal majority in your jurisdiction, if higher) and have the legal capacity to enter into a binding agreement. By registering, you represent and warrant that you meet these requirements.
You must create an account to access most Services. You agree to provide accurate, current, and complete information during registration and to keep this information up to date. You are solely responsible for maintaining the confidentiality of your login credentials, PIN, and any authentication details, and for all activity that occurs under your account.
In line with applicable financial regulations, NexttPay may require you to complete identity verification ("Know Your Customer" or KYC) before you can fund your wallet, transact above certain limits, or access specific features. We reserve the right to suspend or limit account functionality until verification is completed successfully.
Each user may hold only one active NexttPay account, unless otherwise permitted in writing by NexttPay. Duplicate or fraudulent accounts may be suspended or terminated without notice.
NexttPay provides users with a digital wallet that can be funded through supported payment methods, including bank transfer, debit or credit card, and other payment channels made available from time to time.
The wallet is intended solely for accessing and paying for utility, lifestyle, and other services available through the NexttPay Platform. It is not a bank account and should not be considered a substitute for one.
You may use your wallet or other supported payment methods to purchase services available through the Platform, including mobile recharge, data bundles, DTH recharge, electricity, water, gas, internet and broadband subscriptions, cable television, medicine ordering, transportation bookings, and any additional services introduced by NexttPay from time to time.
NexttPay facilitates payments only for services available through the Platform and does not operate as a general merchant payment gateway or payment collection service for third-party businesses.
Certain transactions may attract a service fee, processing charge, or commission, which will be clearly displayed before you confirm a transaction. NexttPay reserves the right to introduce, modify, or waive fees at its discretion, with reasonable notice provided for material changes.
You are responsible for verifying transaction details (such as phone numbers, meter numbers, account numbers, and biller information) before confirming payment. NexttPay is not liable for losses arising from incorrect information entered by the user, though we will make reasonable efforts to assist in resolving such issues where possible.
Where a transaction fails due to a technical error on our end or that of a payment partner, NexttPay will use reasonable efforts to reverse the transaction or credit the affected wallet within a reasonable timeframe, in accordance with our internal dispute resolution process.
NexttPay provides a secure Checkout feature that enables users to conveniently complete payments for utility, lifestyle, and other eligible services offered through the Platform and selected integrated service providers.
The Checkout feature is designed solely to facilitate payment for services available within the NexttPay ecosystem. It is not a merchant acquiring service, payment gateway, or general payment collection platform for third-party businesses.
Depending on the selected payment method, users may complete transactions using their NexttPay Wallet, bank transfer, debit or credit card, or any other supported payment option made available by NexttPay.
NexttPay may require additional authentication, including PIN verification, biometric authentication, one-time passwords (OTP), or other security measures before authorizing a transaction. Transaction limits may apply in accordance with regulatory requirements and fraud prevention measures.
Where you choose to pay using a debit or credit card, your payment is securely processed by licensed payment processing partners that comply with applicable payment security standards.
NexttPay does not store, retain, or have access to your full debit or credit card number, CVV, PIN, or other sensitive card authentication data.
Any card information required to process a payment is transmitted directly to our authorized payment partners over encrypted connections. Users should refer to the applicable payment processor's privacy policy for information on how card information is handled.
NexttPay implements appropriate technical and organizational measures to protect payment transactions but is not responsible for the security practices of third-party financial institutions or licensed payment processors beyond the scope of our integration.
NexttPay's core utility services (such as local bill payments, cab and bus booking, and medicine ordering) are primarily designed for use within Nigeria and select African markets and may depend on the availability of local billers, merchants, and service partners.
Users located outside these markets, including members of the diaspora, may create an account and use applicable features of the Platform, such as funding a wallet and making payments on behalf of another person located within a supported market, subject to any restrictions imposed by applicable law, sanctions regimes, or payment processing partners in the user's location.
NexttPay does not guarantee that all Services will be available in all locations at all times and reserves the right to restrict, suspend, or modify availability of specific features by region without liability.
Users may earn reward points on eligible transactions, including mobile recharge, bill payments, medicine orders, and travel bookings, as described on the Rewards & Loyalty page of the Platform. The specific rate and eligibility criteria for earning points may change from time to time at NexttPay's discretion.
Reward points may be redeemed for wallet cashback, recharge discounts, shopping vouchers, travel discounts, or other benefits made available on the Platform. Reward points have no cash value outside the Platform, cannot be transferred between accounts (except through the official referral mechanism), and may expire if unused within a period communicated to users.
Users may participate in the NexttPay referral program by sharing a unique referral code. Referral bonuses are credited according to the terms displayed on the Referral & Affiliate page at the time of referral. NexttPay reserves the right to withhold or reclaim referral bonuses obtained through fraudulent activity, fake accounts, or abuse of the program.
NexttPay may modify, suspend, or discontinue any part of the rewards or referral program at any time, with reasonable notice where the change materially affects previously earned, unredeemed points or pending referral bonuses.
You agree not to use the Platform to:
NexttPay reserves the right to investigate suspected violations, suspend or terminate accounts involved, withhold funds where required by law or reasonably necessary to investigate suspected fraud, and report unlawful activity to the relevant authorities.
Certain services available through the Platform, including utility bill payments, mobile recharge, medicine ordering, transport bookings, and other lifestyle services, are provided in partnership with licensed third-party service providers and payment partners. NexttPay facilitates access to these services but does not manufacture, supply, or directly provide the underlying goods or services unless expressly stated.
Where a Partner's checkout or product page is displayed within or linked from the NexttPay app, this does not constitute an endorsement of the Partner's goods or services beyond confirming that a valid payment integration exists. Any dispute regarding the underlying product or service purchased through a Partner should be directed to that Partner in the first instance, with NexttPay providing reasonable support (such as transaction confirmations or payment records) to help facilitate resolution.
The Platform is provided on an "as is" and "as available" basis. While NexttPay takes reasonable steps to ensure the Services are secure, accurate, and available, we do not guarantee uninterrupted or error-free operation of the Platform.
To the fullest extent permitted by applicable law, NexttPay shall not be liable for indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Platform, except where such liability arises from our gross negligence, willful misconduct, or fraud, or cannot otherwise be excluded under applicable law.
Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable Nigerian law or the law of any other jurisdiction with mandatory application to a given user.
You may close your NexttPay account at any time, subject to settlement of any outstanding balances or obligations, by contacting support@nexttpay.com or through the in-app account settings.
NexttPay may suspend or terminate your access to the Platform, with or without notice, where we reasonably believe you have violated these Terms, engaged in fraudulent or unlawful activity, or where required to do so by law or a competent regulatory authority. Upon termination, any remaining wallet balance will be handled in accordance with applicable law and our internal account closure procedures.
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles, save that mandatory consumer protection laws of a user's home jurisdiction may also apply where use of the Platform originates from outside Nigeria.
Any dispute arising out of or relating to these Terms or your use of the Platform shall first be addressed through good-faith negotiation between the parties, and, if unresolved, shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria, unless otherwise required by applicable law.
NexttPay may revise these Terms from time to time to reflect changes in our Services, legal or regulatory requirements, or business practices. Where changes are material, we will provide reasonable notice via the app, website, or email prior to the changes taking effect. The "Last Updated" date at the top of this document will reflect the most recent revision.
If you have any questions about these Terms, please contact us:
