Terms of Service

1. About these terms

LWORXPAY is operated by LworxPay Limited (“LWORXPAY”, “we”, “us”), a company registered with the Uganda Registration Services Bureau (URSB) and licensed by the Bank of Uganda (BOU), based in Bundibugyo, Uganda. “You” means the person or business that uses our services. If you use LWORXPAY for a business, you confirm that you are allowed to accept these terms for that business.

2. Eligibility and your account

• You must be at least 18 years old and able to enter a legal agreement.
• You must give true, complete and current information when you register, and keep it up to date.
• You must complete identity verification (KYC) before you can use withdrawals and other features.
• You are responsible for everything done through your account, including by anyone who has your login, authenticator or API keys.

3. Our services

LWORXPAY lets you collect mobile money payments (MTN and Airtel), withdraw to mobile money, send money to other LWORXPAY wallets, buy airtime, data and voice bundles, pay electricity, water and TV bills, share payment links, and connect your own systems through our API and webhooks. We may add, change or remove features from time to time.

4. Fees

• Our current fees are published on the Pricing page. Collections are free of LWORXPAY fees.
• Withdrawals and send money carry the fees shown on the Pricing page. Bill payments may carry a small LWORXPAY charge plus the provider’s own charge.
• Customers who pay through a payment link may see a small service charge added before they confirm.
• We may change fees by publishing the new fees on the Pricing page. Changes apply to transactions made after the change.

5. Deposits, withdrawals and transfers

• Payments depend on the mobile money networks and payment partners. We are not able to control delays or outages on their side.
• Always check the phone number or Merchant ID before you confirm. A transaction sent to a wrong number or account cannot always be reversed.
• New accounts wait 24 hours before their first withdrawal. We may hold, delay or ask for more information on any transaction for security, fraud or legal checks.
• We may set minimum and maximum limits for transactions.

6. Payment links and merchant duties

If you create payment links, you are responsible for the goods or services you sell, for delivering them, and for handling your own customer refunds and complaints. Any business name, description or logo you add must be yours to use and must not mislead customers or copy another business. We may remove links or content that look misleading, unlawful or harmful.

7. API and developer use

• Keep your API keys and webhook secrets private. Do not put them in public code, apps or websites.
• Verify webhook signatures and confirm payment status before you deliver goods or services.
• Do not send abusive, excessive or automated traffic that harms the platform. We may rate-limit, block or suspend such traffic automatically.

8. Prohibited activities

You must not use LWORXPAY for fraud, scams, money laundering, terrorist financing, selling illegal goods or services, impersonating another person or business, testing stolen cards or accounts, attacking or probing our systems, or anything that breaks Ugandan law. We may report suspected crime to the authorities.

9. Suspension and closing accounts

We may suspend, restrict or close an account, and hold related funds, if we suspect a breach of these terms, fraud or abuse, if the law or a court requires it, or to protect other customers. Where we can, we will tell you why. You may ask to close your account at any time by contacting support, after any pending transactions are settled.

10. Problems and disputes

If you notice an error, an unauthorised transaction or a missing payment, contact us as soon as possible with your Merchant ID and the transaction reference. We will investigate and keep you informed. Please try to resolve any complaint with us first.

11. Service availability

We work hard to keep LWORXPAY running, but we cannot promise it will always be uninterrupted or error-free. We may carry out maintenance, and third-party networks may be unavailable.

12. Limits on our liability

To the extent allowed by law, LworxPay Limited is not liable for losses caused by network or payment partner downtime, mistakes in details you enter, loss of your login, authenticator or API keys through your own carelessness, or indirect losses such as lost profit. Nothing in these terms limits liability that cannot be limited by law.

13. Changes to these terms

We may update these terms. When we do, we will change the “last updated” date above and, for important changes, notify you in the app or by email. If you keep using LWORXPAY after a change, you accept the new terms.

14. Governing law

These terms are governed by the laws of the Republic of Uganda, and the courts of Uganda have jurisdiction over any dispute that cannot be resolved by agreement.

15. Contact us

Questions about these terms? Reach us using the contact details below. See also our Privacy Policy and Trust & Security page.