Terms & Conditions

Welcome to GoPayna – Nigeria’s Smart Payment App.

By using our website, mobile app, and services, you agree to the following Terms & Conditions. Please read them carefully.

1. Introduction
   GoPayna provides secure payments for airtime, data, electricity bills, cable TV, exam PINs, wallet funding, and more.
2. Eligibility
   You must be at least 18 years old to use GoPayna services.
3. Account Responsibility
   You are responsible for safeguarding your login details and keeping your account secure.
4. Payments & Transactions
   All transactions are processed instantly once payment is confirmed.
   GoPayna is not responsible for failed transactions caused by network downtime from service providers.
5. Wallet Funding
   Wallet funding is handled through secure third-party gateways like Paystack.
   Fees may apply based on the payment method used.
6. Refund Policy
   Refunds are only issued when a transaction fails and value is not delivered.
7. Prohibited Activities
   You may not use GoPayna for fraud, scams, or illegal activities.
8. Service Availability
   We may update, suspend, or maintain services at any time.
9. Limitation of Liability
   GoPayna is not liable for delays caused by telecom networks, electricity providers, or processing partners.
10. Contact
    For support, reach us at support@gopayna.com.