Version 2.2. Updated 23 October 2026.
1. Scope and acceptance
These Standard Terms and Conditions (“Terms”) govern access to and use of the TappiPay website, mobile application, portals and payment services (“Platform”) by visitors, paying customers, merchants and authorised independent contractors. By using the Platform, or by accepting these Terms through an authorised process, you agree to the provisions applicable to your role. Where a separate Merchant Agreement, Sales Agent Agreement, Team Leader Agreement or Sales Manager Agreement applies, that agreement governs the specific commercial relationship and prevails in the event of a conflict. These Terms do not themselves appoint an agent, guarantee onboarding or establish any commission entitlement. TappiPay must make the applicable version of these Terms available before acceptance.
2. Parties and definitions
“TappiPay” means TappiPay (Pty) Ltd, registration number 2025/473765/07, 21A Westlake Lifestyle Centre, Westlake Drive, Tokai, 7945, South Africa. “Customer” means a person initiating or making a payment to a Merchant. “Merchant” means a business approved by TappiPay to accept payments through the Platform. “Contractor” or “Agent” means an independently appointed Sales Agent, Team Leader or Sales Manager under a separate written agreement. “Sales Agent” acquires merchants and assists with authorised onboarding; “Team Leader” may acquire merchants and oversee allocated agents; “Sales Manager” manages an allocated agent network. “Transaction” means a payment instruction processed through supported payment rails. “Sponsor Bank” means an authorised banking partner supporting the service. “Business Day” excludes Saturdays, Sundays and South African public holidays.
3. Nature of the service
TappiPay provides technology that facilitates electronic payment requests, payment initiation, processing and merchant settlement through authorised banking and payment-system partners, including PayShap Request-to-Pay. Customers authorise payments through their participating banking applications and funds are settled to Merchants in accordance with applicable banking arrangements, transaction limits and TappiPay's settlement procedures.
TappiPay is not a bank, does not accept deposits from the public and does not provide credit under these Terms. The availability of services, transaction limits, supported banks and payment processing arrangements may change from time to time.
Neither TappiPay nor its Contractors guarantees the successful completion of any payment or the approval of any Merchant application.
4. Eligibility, registration and verification
Users must be legally able to use the relevant services and provide accurate, complete and current information. Merchants and Contractors must submit required identification, registration, beneficial-ownership, business, bank-account and contact details through approved channels and promptly report changes. TappiPay may verify identities, bank accounts, authority, ownership, business activities and risk profiles, including by authorised service providers and Sponsor Banks. Merchant onboarding and activation remain subject to TappiPay approval; application or referral does not constitute approval. Any eligibility limitations stated in a specific service or merchant agreement also apply.
5. Merchant obligations
Merchants must provide lawful goods and services, comply with applicable consumer protection and other laws, accurately describe their products and prices, maintain up-to-date banking details and honour valid refunds and customer complaints.
Merchants remain responsible for their sales, delivery of goods and services, customer communications, taxes and refunds. They must cooperate with TappiPay's compliance requirements and may not instruct Agents to bypass onboarding or verification procedures.
Merchants and Contractors may not create, process or facilitate fictitious, fraudulent or artificially generated transactions, including transactions intended to manipulate payment volumes, qualify for commissions or bonuses, or obtain any improper financial benefit. Merchants and Contractors may not engage in prohibited activities, misrepresent transactions or attempt to circumvent TappiPay's compliance, fraud prevention or security controls.
6. Customer payments, cancellations and refunds
Customers must be authorised to use the relevant payment account and are responsible for verifying the Merchant, payment amount and transaction details before approving a payment request through their participating banking application.
Once a payment has been successfully authorised and processed, it may not be cancelled or reversed through TappiPay, except where permitted by applicable banking or payment-system rules or law.
Payment confirmation does not guarantee the delivery of goods or services by the Merchant. Any disputes relating to goods, services, delivery or refunds must be directed to the relevant Merchant. TappiPay may assist with payment tracing and transaction-related enquiries where reasonably possible but shall not be responsible for fulfilling the Merchant's obligations.
Nothing in these Terms and Conditions limits any rights Customers may have under applicable consumer protection laws.
6.1 TappiPay Rewards
Buyers may earn rewards in the form of TappiCoins through qualifying transactions and promotional activities offered by TappiPay. TappiCoins earned or credited to a Buyer's profile will remain available and will not expire while the profile remains active. For the purposes of this clause, a profile will be considered inactive or dormant where the Buyer has not completed a transaction, earned or redeemed TappiCoins, or otherwise engaged in qualifying activity on the TappiPay platform for a continuous period exceeding three (3) years. Where a Buyer's profile remains inactive or dormant for longer than three (3) consecutive years, all unused TappiCoins associated with that profile will expire and be forfeited.
7. Processing, settlement and fees
Payments are processed through regulated banking and payment infrastructure. Settlement to Merchants occurs after receipt of qualifying cleared funds and subject to the applicable Merchant Agreement, bank processes, reconciliation, payment limits and risk controls. TappiPay may delay, restrict or withhold merchant settlement where reasonably necessary for fraud prevention, sanctions compliance, disputes, technical errors, legal obligations or Sponsor Bank requirements. Any reversal of a completed payment shall be subject to applicable banking and payment-system rules.
Merchant fees and any amendments are governed by the Merchant Agreement or agreed fee schedule. Customers should check any charges imposed by their own banks.
8. Compliance, Anti-Money Laundering and Fraud Prevention
TappiPay conducts risk-based merchant onboarding, identity verification, sanctions screening, transaction monitoring and fraud prevention activities in accordance with applicable laws, its internal compliance procedures and the requirements of its Sponsoring Bank(s).
TappiPay and its authorised service providers may request additional information, investigate suspicious activity, reject or restrict merchant onboarding, suspend transactions or services and escalate relevant matters to its Sponsoring Bank(s) or competent authorities, as required or permitted by applicable law.
Customers, Merchants and Contractors must not engage in fraud, money laundering, sanctions evasion, proliferation financing or any other unlawful activity through the TappiPay platform. Any suspected fraudulent, suspicious or unlawful activity must be promptly reported to TappiPay Compliance.
No Customer, Merchant or Contractor may interfere with a compliance investigation, obstruct verification procedures or unlawfully disclose confidential investigations or compliance reviews.
9. Contractor appointment and authority
Contractors are appointed only under their signed role-specific agreements and must act within their assigned responsibilities. Sales Agents may acquire merchants and assist with authorised onboarding; Team Leaders may additionally coordinate allocated agents; Sales Managers may supervise allocated sales networks. Allocation and attribution are determined by verified TappiPay records and applicable signed agreements. Contractors may not approve merchants, conduct independent compliance clearance, bind TappiPay, alter pricing, promise commissions, make unauthorised representations or delegate access without written authority. Contractors act as independent contractors, not employees or partners, subject to applicable law.
10. Contractor onboarding and records
Contractors must deal directly with a merchant or duly authorised representative, accurately capture information in TappiPay-approved systems, obtain required consents and submit documents without alteration. Merchant verification, screening, enhanced due diligence, risk classification, bank-account verification and approval are reserved to TappiPay and its authorised partners. Contractors must not knowingly introduce prohibited activities or tell a merchant that approval has been granted before TappiPay confirms it. Any required physical business-location confirmation must be factual and recorded in the approved system; it is not a compliance approval.
11. Contractor training, conduct and escalation
Contractors must complete required induction, AML/CFT, sanctions, fraud, privacy, system-security and refresher training and comply with communicated procedures. They must promptly escalate suspicious, inconsistent, fraudulent, prohibited or potentially unlawful activity to TappiPay Compliance, supply relevant information, refrain from independent investigations and avoid unlawful tipping-off. TappiPay may restrict or revoke system access for incomplete training, security concerns, misconduct or non-compliance. Contractors must not make misleading sales claims or use unapproved marketing material.
12. Contractor commissions and remuneration
Commission rates, override arrangements, eligibility, performance thresholds, merchant attribution, payment dates, earning windows and changes are governed by the relevant signed role-specific agreement and authorised written commission notices. These Terms create no additional right to commission, overrides, bonuses, merchant ownership or continuing payments. TappiPay may reconcile, withhold, correct, reverse or recover improperly calculated or non-qualifying amounts as permitted by the applicable agreement and law. Any change to commission arrangements must follow the notice and variation provisions of the relevant signed agreement. Illustrative earnings are estimates, not guarantees.
13. Acceptable use and prohibited activity
Users must not use the Platform for unlawful goods or services, fraud, deceptive transactions, money laundering, sanctions evasion, unauthorised access, harassment, intellectual-property infringement, manipulation of payment flows or any activities prohibited by TappiPay’s communicated policies, Sponsor Bank requirements or applicable law. TappiPay may publish and update a list of restricted merchant categories and require additional review of higher-risk activities. No one may circumvent transaction limits, create false identities, share authentication credentials or disrupt Platform security.
14. Accounts, credentials and security
Users are responsible for safeguarding their passwords, one-time PINs, devices and access credentials and for notifying TappiPay promptly of suspected compromise. Access rights are role-based, personal and non-transferable. Contractors and Merchants may not access restricted compliance records, settlement histories or other information outside their permissions. TappiPay may suspend credentials, require re-verification or apply additional authentication to protect users and the Platform.
15. Privacy, POPIA and information handling
TappiPay processes personal information in accordance with the Protection of Personal Information Act and its separate Privacy Policy, including for onboarding, payment processing, settlement, security, fraud prevention, compliance and support. Information may be shared with authorised processors, banks, payment-system participants and competent authorities where legally permitted or required. Users must supply information lawfully. Contractors must use personal information only for authorised work, upload it through approved systems and must not retain merchant KYC, banking or other sensitive records on personal devices, private email or unauthorised messaging/storage services. Suspected data loss or unauthorised disclosure must be reported promptly. TappiPay does not sell personal information to third parties.
16. Confidentiality and intellectual property
Confidential commercial, merchant, technical, compliance and operational information may be used only for authorised purposes and must not be disclosed without authority or legal basis. These obligations survive termination while the information remains confidential. The Platform, software, trademarks, trade names, designs and approved materials belong to TappiPay or its licensors. Users receive only limited permission to use them for the authorised service. Contractors may not register confusingly similar names, domains or social accounts, alter branding or publish unapproved promotional materials.
17. Availability, suspension and termination
TappiPay aims to provide reliable services but does not guarantee uninterrupted operation. Maintenance, bank outages, telecommunications failures and payment-system interruptions may affect transactions. TappiPay may suspend, restrict or terminate Platform access where necessary for security, fraud prevention, non-compliance, legal obligations, Sponsor Bank requirements or material operational risk. Merchant and Contractor termination rights, notice periods and post-termination remuneration are governed by their separate signed agreements. On termination, users must cease unauthorised access and use of TappiPay materials and securely return or delete information where required, subject to legal retention obligations.
18. Liability and mandatory rights
Each party remains responsible for its own unlawful conduct, fraud, negligence and contractual obligations to the extent provided by law. To the extent permitted by applicable law, TappiPay is not responsible for the quality or delivery of goods or services sold by Merchants or for losses directly caused by external banking or communications outages outside its reasonable control. TappiPay does not exclude or limit liability where such exclusion or limitation is prohibited by law, including applicable consumer-protection rights. Any contractual cap or allocation of liability in a signed Merchant or Contractor Agreement applies to that relationship where lawful.
19. Complaints and support
Complaints about payment processing, onboarding, privacy or contractor conduct may be submitted to support@tappipay.co.za with relevant dates, references and supporting information. TappiPay aims to acknowledge complaints within two (2) Business Days and resolve them within fifteen (15) Business Days where practicable; complex cases may require additional time and updates. Goods and service disputes should first be raised with the relevant Merchant. Users may escalate unresolved matters to an appropriate regulator or other authority where applicable. Privacy complaints may also be referred to the Information Regulator.
20. Cookies and analytics
The website and app may use necessary cookies or similar technologies for security, authentication, functionality and optional technologies for analytics and service improvement where permitted. Available browser or device settings may be used to manage cookies, although disabling necessary technologies may affect functionality. Further information about the use of cookies, analytics technologies and available consent choices is provided in TappiPay's Privacy and Cookie Policy, accessible through the website and mobile application.
21. Notices and amendments
TappiPay may publish updated Terms on its website or app and provide notice of material changes through appropriate channels. Each updated version of these Terms and Conditions will clearly identify its version number and effective date. Changes required urgently by law, security or payment-system rules may take effect sooner. Changes to signed Merchant or Contractor commercial terms, especially commissions, must comply with the relevant agreement and cannot be overridden merely by publication of general Terms. Continued use after a valid effective date may constitute acceptance where legally permissible; where consent is legally required, TappiPay will obtain it.
22. Governing law, contact and order of precedence
South African law governs these Terms and disputes are subject to competent South African courts. If a provision is unenforceable, the remaining provisions continue where lawful. These Terms operate together with the Privacy Policy, any applicable Cookie Policy, Merchant Agreement and signed Contractor Agreement. In the event of any conflict between these Standard Terms and Conditions and a separate written agreement entered into between TappiPay and a Merchant or Contractor, the provisions of the separate written agreement shall prevail to the extent of the conflict.