Buyer terms of use

These terms apply when you pay a merchant with Notch Pay, for example on a Notch Pay payment page or from a merchant’s website or app. They are entered into with NOTCH PAY SARL, registered with the RCCM under number RC/YAO/2024/992, with its registered office at Montée des Sœurs, Biyem-Assi, Yaoundé, Cameroon (“Notch Pay”, “we”).

By confirming a payment, you accept these terms. Please also read our privacy policy, which explains how we use your data.

1. What Notch Pay does

Notch Pay is a technical payment intermediary. We let the merchant you buy from (the “Merchant”) accept Mobile Money payments (MTN Mobile Money and Orange Money) in Cameroon, in CFA francs (XAF).

• We do not sell the goods or services you buy. The sale is between you and the Merchant, who alone is responsible for it (delivery, conformity, warranties, customer service, refunds).
• Your Mobile Money account remains governed by your operator’s terms (MTN or Orange).

2. Who can pay

To pay, you must have legal capacity to contract and use a Mobile Money account that you hold or are authorised to use. You agree to provide accurate information.

3. How a payment works

• You enter the number of the Mobile Money account to debit. The amount, the Merchant and the payment reference are shown before you confirm.
• Your operator sends you a confirmation request, which you approve on your phone with your PIN.
• The payment is complete once your operator confirms it. You and the Merchant are notified.

Notch Pay will never ask for your Mobile Money PIN, by phone, text message or email. Never share it with anyone.

4. Fees

Notch Pay does not charge you for paying: our fees are paid by the Merchant. If a Merchant asks you to bear fees, the total amount must be shown to you before you confirm the payment. Any fees charged by your operator are governed by its own terms.

5. Pending payments, or debited without confirmation

A payment can stay pending, or your account can be debited while the page does not confirm the payment, for example because of an incident at the operator.

• Do not pay again straight away: first check your balance and your operator’s text messages.
• Contact the Merchant or write to us at compliance@notchpay.co with the payment reference (it starts with “trx.”) and the number that was debited.
• We check the transaction with the operator. If the payment did not go through and your account was debited, we make sure the amount is returned to you, within the operator’s processing times.

6. Refunds and disputes with the Merchant

Any request about your purchase (item not delivered, not as described, cancellation) must first be made to the Merchant. When a Merchant refunds a payment through Notch Pay, the amount is sent back to the Mobile Money account that paid. If the Merchant does not answer, you can write to us: we can put you in touch and, where appropriate, review the payment concerned. If the Merchant cannot prove delivery or performance, Notch Pay may hold the corresponding funds: you can then ask to be refunded, and the refund is paid to you from those funds, after review.

7. Security and fraud

You are responsible for the security of your phone and your PIN. If you see a payment you did not authorise, tell your operator immediately and write to us. To protect users, we may block or suspend a payment that shows a risk of fraud.

8. Personal data

To process your payment, we use your phone number, your name when you provide it, the amount, date, reference and technical data (IP address, device). This data is necessarily shared with the Merchant and your operator, and with authorities where the law requires it. Details are in our privacy policy.

9. Liability

We are responsible for properly performing our part of the payment. We are not responsible for:

• the goods and services sold by the Merchant;
• interruptions or errors caused by your operator or by force majeure;
• a payment made with your PIN, unless we are at fault.

Nothing in these terms limits the rights the law gives you, in particular Cameroon’s consumer protection framework law No. 2011/012 of 6 May 2011, nor our liability for gross negligence or fraud.

10. Complaints

Write to us at compliance@notchpay.co with the payment reference. We acknowledge receipt within two business days and answer as soon as our checks are complete.

11. Changes

We may change these terms. The version that applies to a payment is the one in force when you confirm it; the date of the last update is shown at the top of this page.

12. Governing law, disputes and language

These terms are governed by the laws of Cameroon. If we disagree, we first look for an amicable solution. Failing that, the dispute goes to the competent courts of Yaoundé, subject to the rules that let you, as a consumer, bring the matter before the court where you live.

These terms exist in French and English. If the two versions differ, the French version prevails.

13. Contact us

NOTCH PAY SARL, registered with the RCCM under number RC/YAO/2024/992, with its registered office at Montée des Sœurs, Biyem-Assi, Yaoundé, Cameroon. Email: compliance@notchpay.co.