Navigation
Download PayPro App Here

This Agreement constitutes a contract between you and PayPro, a division of Bargain Adds (Pty) Limited T/A PayPro, and governs your use of all PayPro Services. By using PayPro Services you agree with and accept all of the terms and conditions contained in this Agreement.

PayPro reserves the right to amend this Agreement at any time by posting a revised version on our website and mobile app. The revised version will be effective at the time we post it. Consumers and Vendors are advised to read these terms and conditions carefully for they govern access to and usage of PayPro Services.

PayPro may close, suspend, or limit your access to your Account or the PayPro Services, and/or limit access to your funds if you violate this Agreement, the PayPro Acceptable Use Policy, or any other agreement you enter into with PayPro.

You are solely responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the PayPro Services.

1. PAYMENT SERVICES AND ELIGIBILITY.

PayPro is not a remittance business or a money transfer service and the PLoad feature may not be used to remit funds to third parties. This service is strictly for Botswana jurisdiction.

PayPro does not have any control over, and is not responsible or liable for, the products or services that are paid for with our PayPro Service. PayPro cannot ensure that a Buyer or a Seller you are dealing with will actually complete the transaction.

You, as the user/vendor, can update your cell phone number or city/town at any time by logging into the PayPro website. If your cell phone number or address becomes invalid PayPro may deem your Account to be inactive, and you will not be able to transact any activity using your PayPro Account until PayPro receives a valid, working cell phone number from you.

  • Payment Services. PayPro is a payment services provider and acts as such by creating, hosting, maintaining and providing our PayPro Services to you via the Internet. Our services allow you to process Pre-paid transactions, for example buy electricity, buy airtime, pay local and international local companies. PayPro platform allows users/vendors to send payments to anyone with a PayPro Account, and, where available, to receive payments. Money loaded on to the PayPro Account is available for use on the account for a period of 7 days. Any money not utilized should be withdrawn by the user.
  • Eligibility. You must be 18 years old or older to be eligible to use services rendered by PayPro. If a minor is assisted by an adult and wishes to use PayPro services, PayPro may process such transactions at its own sole discretion.
  • Information. For user/vendor to open and maintain an Account, the user/vendor must provide PayPro with correct and updated Information during the registration process.
  • Your contact information. It is the user/vendor’s sole responsibility to keep primary contact cell phone number up to date so that PayPro can communicate with the user/vendor via sms. You, as the user/vendor understand and agree that if PayPro sends you an electronic communication but you do not receive it because your primary cell phone on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive mobile text messages, PayPro will be deemed to have provided the communication to you effectively.
  • Transaction Notification. PayPro will issue an in-app notification to the relevant party for each and every transaction that occurs.
  • Identity Verification. You authorize PayPro, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information or documentation, requiring you to provide a taxpayer or national identification number, requiring you to take steps to confirm the cell phone number you have entered when registering for an account or verifying your Information against third party databases or through other sources.
  • Beneficial Owner. You must be the beneficial owner of the Account, and conduct business only on behalf of yourself and customers for a fee as determined by PayPro. PayPro may close, suspend, or limit your access to your Account or the PayPro Services, and/or limit access to your funds if you violate the fee structure set by PayPro when providing such services to customers as a vendor.

2. LOADING MONEY INTO YOUR PAYPRO ACCOUNT

PayPro will process any deposit and load the money into the user/vendor`s PayPro as quickly as possible. If the funds are not loaded after 1 hour from depositing, the user/vendor must contact PayPro for assistance.

  • Deposit Limits. We,at PayPro, may at our discretion, impose limits on the amount of money that you can load into your PayPro account. You can view your account limit, if any, by logging into your Account. If you have a Verified Account, we may increase your account limits.
  • Methods used to Load money.There is only one method accepted by PayPro to load money into your PayPro account; PayPro trusted super vendors.
  • PayPro offices and selected users/vendors - contact PayPro for a list of our office numbers and trusted Super users/vendors.

DISCLAIMER

You shall not use money from criminal activities to execute any transaction in PayPro and as the user you fully indemnify PayPro for use of their platform for any illegal activity. PayPro reserves the right to investigate the source of the money loaded into the account and monitor suspicious transactions and report them to relevant authorities. PayPro reserves the right to hold your funds to protect PayPro, Affiliates or a third party against the risk of Reversals, Chargebacks, Claims, fees, fines, penalties and other liability. You will nonetheless remain liable for all obligations related to your Account.

3. TRANSACTING USING PAYPRO ACCOUNT.

PayPro account allows the user to execute a number of transactions on behalf of self or a customer. PayPro charges a transaction fee for every transaction processed on the platform. The fee is shared between the user/vendor as determined by the PayPro Transaction fee sharing formula. The transaction fee structure is set and determined by PayPro. PayPro may close, suspend, or limit your access to your Account or the PayPro Services, and/or limit access to your funds if you violate the fee structure set by PayPro when providing such services to customers as a vendor

  • Prepaid Airtime. User/vendor can purchase or sell prepaid pinless airtime for all mobile networks to customers and self. The amount for each airtime sale transaction will be deducted from the user/vendor`s PayPro account. The transaction fee and transaction fee sharing formula for this service is determined by mobile operators.
  • Prepaid Electricity. User/vendor can purchase or sell prepaid electricity to customers and self. The amount for each transaction will be deducted from the user/vendor`s PayPro account. The transaction fee and transaction fee sharing formula for this service is determined by utility company.

Payment to Other companies. User/vendor can make payment to third party companies via his or her account on behalf of self or a customer. Every transaction is charged a transaction fee as determined by PayPro and the transaction fee is shared by the user/vendor based on a formula defined by PayPro. . PayPro may close, suspend, or limit your access to your Account or the PayPro Services, and/or limit access to your funds if you violate the fee structure set by PayPro when providing such services to customers as a vendor.

4. CLOSING YOUR ACCOUNT.

  • How to Close Your Account. You may close your Account at any time by following the instructions in your Account Profile. Upon Account closure, we will cancel any pending transactions and you will forfeit any balances associated with Redemption Codes, unless otherwise legally prohibited. You must withdraw your balance prior to closing your Account.
  • Limitations on Closing Your Account. You may not evade an investigation by closing your Account. If you close your Account while we are conducting an investigation, we may hold your funds to protect PayPro, Affiliates or a third party against the risk of Reversals, Chargebacks, Claims, fees, fines, penalties and other liability. You will remain liable for all obligations related to your Account even after the Account is closed.

5. PAYPRO USER/VENDOR AND CUSTOMER PROTECTION.

5.1 Types of Problems Covered. PayPro User Protection helps you if you encounter either of these problems:

       or

  • "Account Not Credited" (ANC): Your PayPro account was not credited with the amount you deposited at the bank,OrangeMoney and any other form accepted by PayPro;
  • "Transaction Not Processed" (TNP): you made a transaction from your PayPro account and the amount for that transaction was deducted from your PayPro account but PayPro has not met is transactional obligations.This relates to transactions that you as the User has authorized.

Here are some examples:

  • The amount deducted from your PayPro is more than the transaction amount inclusive of the transaction fee.
  • An Amount was deducted from your PayPro account but the beneficiary of this transaction received a different amount from the amount you transacted.
  • A transaction has been on "PENDING" status for more than 4hours.

5.2 Eligibility Requirements.

A. To be eligible for PayPro User Protection you must meet all of the following requirements:

  • The transaction must be for a legal purpose or service and/or origin of funds from a legal source or activity
  • You must be 18 years old or older
  • Open a Dispute within 2 days from the date you processed the transaction
  • Have an Account in good standing
  • You have not received a recovery related to the transaction from another source

PayPro will not find in your favor if you escalate a Dispute to a Claim when a transaction is not eligible for PayPro User Protection e.g. proceeds from criminal activities.

5.3 Coverage Amount. If you are eligible for PayPro User Protection and PayPro finds in your favor on your Claim, PayPro will reimburse you for the full transaction amount and original transaction fee.

5.4 Dispute Resolution. If you are not satisfied with a certain transaction, you can follow this process:

  • Open a Dispute. Open a Dispute within 2 Days of the date the transaction was processed. PayPro representatives will do their best to remedy the problem.
  • Escalate the Dispute to a Claim. If you and PayPro representatives are unable to reach a solution, you can escalate the Dispute to a Claim within 20 Days after opening the Dispute. If you do not escalate the Dispute to a Claim within 20 Days, PayPro will permanently close the Dispute
  • Resolution meeting. If you and PayPro representatives are unable to reach a solution, have escalated the Dispute to a Claim within 20 Days after opening the Dispute; a meeting will be convened between you and PayPro top management to reach an amicable solution. You (user/vendor) are allowed to bring a representative to the meeting.
  • Respond to PayPro's requests for information in a timely manner. During the Claim process, PayPro may require you to provide documentation to support your position.

5.5 Claim Resolution Process. Once a Dispute has been escalated to a Claim, PayPro will make a final decision in favor of the user/vendor or customer. You may be asked to provide receipts (sms notifications from PayPro), third party evaluations, police reports, or anything else that PayPro specifies. PayPro retains full discretion to make a final decision in favor of the user/vendor or customer. In the event that PayPro makes a final decision in favor of the user/vendor or customer, each party must comply with PayPro`s decision. PayPro may refund the transaction in full or in part depending on the nature and current status of the disputed transaction all in good faith.

5.6 Claims filed with Seller or other third parties. You may not file a Dispute/Claim under PayPro User Protection if you have already filed a claim with the Seller or another third party.

5.7 No Double Recovery.You may not receive reimbursement for a transaction under PayPro User Protection if you have already received payment for that transaction from another third party.

6. ERRORS AND UNAUTHORIZED TRANSACTIONS.

6.1 Protection for Unauthorized Transactions and Errors. When an Unauthorized Transaction or an Error occurs in your Account, PayPro may cover you for the full amount of every eligible Unauthorized Transaction or Error so long as you follow the procedures below.

An Unauthorized Transaction occurs when a payment is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. If you give someone access to your Account (by giving them your login information) and they conduct transactions without your knowledge or permission, you are responsible for any resulting use.

6.2 Notification Requirements.

A. You should immediately notify PayPro if you believe:

  • there has been an Unauthorized Transaction or unauthorized access to your Account;
  • there is an Error in your Account history statement (you can access your Account history statement by logging into your Account and clicking on a link to "Transaction History") or in your transaction confirmation sent to you by sms;
  • your password has been compromised;
  • your PayPro registered cell phone has been lost, stolen or deactivated; or
  • you need more information about a transaction listed on the statement or transaction confirmation.

B. To be eligible for protection for Unauthorized Transactions, you must notify us within 2 Days after any Unauthorized Transaction first appears in your Account history statement. We will extend the 2 Day time period if a good and demonstrable reason, such as a hospital stay, kept you from notifying us within the stipulated period.

You should regularly log into your Account and review your Transaction history to ensure that there has not been an Unauthorized Transaction or Error. PayPro will also send an sms to the primary cell phone number you have provided in order to notify you of each transaction from your Account. You should also review these transaction confirmations to ensure that each transaction was authorized and is accurate.

For Unauthorized Transactions or Errors in your Account, notify us as follows:

  • Email us at [email protected]
  • Write to PayPro
  • Call PayPro Customer Service at +267 7171 3305

When you notify us, provide us with all of the following information:

  • Your name and cell phone number registered to your Account;
  • A description of any suspected Unauthorized Transaction or Error and an explanation as to why you believe it is incorrect or why you need more information to identify the transaction; and
  • The amount of any suspected Unauthorized Transaction or Error.

If you notify us orally, we may require that you send us your complaint or question in writing within 7 Business Days. During the course of our investigation, we may request additional information from you.

6.3 PayPro Actions after Receipt of Your Notification. Once you notify us of any suspected Unauthorized Transaction or Error, or we otherwise learn of one, we will do the following:

  • We will conduct an investigation to determine whether there has been an Unauthorized Transaction or Error that is eligible for protection.
  • We will complete our investigation within 20 Business Days of the date we received your notification of the suspected Unauthorized Transactions or Error. If your Account is new (the first transaction from your Account was less than 30 Business Days from the date you notify us), we may take up to 10 Business Days to complete this investigation. If we need more time, we may take up to 45 Days to complete our investigation.
  • We will inform you of our decision within 3 Business Days after completing our investigation.

If we determine that there was an Unauthorized Transaction or Error, we will promptly credit the full amount into your Account within 1 Business Day of our determination.

If we decide that there was not an Unauthorized Transaction or Error, we will include an explanation of our decision in our email to you. You may request copies of the documents that we used in our investigation.

6.4 PayPro Errors. We will rectify any Error that we discover. If the Error results in your receipt of less than the correct amount to which you are entitled, PayPro will credit your Account for the difference. If the Error results in your receipt of more than the correct amount to which you are entitled, PayPro will debit the extra funds from your Account.

6.5 Your Errors. If you erroneously send a payment to the wrong party, or send a payment for the wrong amount (based on a typographical error, for example), your only recourse will be to contact the party to whom you sent the payment and ask them to refund the payment. PayPro will not reimburse you or reverse a payment that you have made in error.

7. RESTRICTED ACTIVITIES.

  • Restricted Activities.In connection with your use of our website, your Account, the PayPro Services, or in the course of your interactions with PayPro, other Users, or third parties, you will not:

A. Breach this Agreement, any other Policy that you have agreed to with PayPro;

B. Violate any law, statute, ordinance, or regulation;

C. Infringe PayPro's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;

D. Pay for counterfeit goods;

E. Act in a manner that is defamatory, trade libelous, threatening or harassing to our employees, agents or other Users;

F. Provide false, inaccurate or misleading Information;

G. Engage in potentially fraudulent or suspicious activity and/or transactions;

H. Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;

I. Receive or attempt to receive funds from both PayPro and recipient, bank or card issuer for the same transaction during the course of a Dispute;

J. Control an Account that is linked to another Account that has engaged in any of these Restricted Activities;

K. Conduct your business or use the PayPro Services in a manner that results in or may result in complaints, Disputes, Claims, fees, fines, penalties and other liability to PayPro, other Users, third parties or you;

L. Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPro Services;

M. Use your Account or the PayPro Services in a manner that PayPro and any other electronic funds transfer network reasonably believes to be an abuse of the financial system.

N. Allow your Account to have a negative balance;

O. Disclose or distribute another User's Information to a third party, or use the Information for marketing purposes unless you receive the User’s express consent to do so;

P. Take any action that imposes an unreasonable or disproportionately large load on our infrastructure;

Q. Facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Information;

R. Use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our website or the PayPro Services; or

S. Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers.

8. YOUR LIABILITY - ACTIONS WE MAY TAKE.

8.1 Your Liability.

A. General. You are responsible for all Reversals, Claims, fees, fines, penalties and other liability incurred by PayPro, a User, or a third party caused by or arising out of your breach of this Agreement, and/or your use of the PayPro Services. You agree to reimburse PayPro, a User, or a third party for any and all such liability.

B. Liability for instructions given by you on your Account. Any instructions given by you on your Account (whether verbal or in writing) once you have been authenticated will be relied on by PayPro. PayPro will not be liable for any loss or damage you or anyone else suffers where PayPro acts on those instructions in good faith, unless it was proved that PayPro was grossly negligent.

8.2 Reimbursement for Your Liability. In the event that you are liable for any amounts owed to PayPro, PayPro may immediately remove such amounts from your balance. If you do not have a balance that is sufficient to cover your liability, your remaining balance (if any) will be removed, your Account will have negative balance up to the amount of your liability, and you will be required to immediately Add Money to your PayPro balance or reimburse PayPro through an alternative method. If you do not do so, PayPro may engage in collection efforts to recover such amounts from you.

8.3 Actions by PayPro – Restricted Activities. If PayPro, in its sole discretion, believes that you may have engaged in any Restricted Activities, we may take various actions to protect PayPro, Affiliates other Users, other third parties or you from Reversals, Claims, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:

A. We may immediately and without notice close, suspend, or limit your access to your Account or the PayPro Services;

B. We may suspend your eligibility for PayPro User

C. We may refuse to provide the PayPro Services to you now and in the future; and

D. We may hold your funds for a period of time reasonably needed to protect against the risk of liability to PayPro or a third party, or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions.

8.4 Actions by PayPro - Account Closure, Termination of Service, Limited Account Access; Confidential Criteria.PayPro, in its sole discretion, reserves the right to terminate this Agreement and/or access to the PayPro Services for any reason and at any time upon reasonable notice and payment to you of any unrestricted funds held in your balance. If we limit access to your Account, including through a Reserve or hold, we will provide you with notice of our actions, and the opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. Further, you acknowledge that PayPro’s decision to take certain actions, including limiting access to your Account, placing holds or imposing Reserves, may be based on confidential criteria that is essential to our management of risk, the security of Users’ Accounts and the PayPro system. You agree that PayPro is under no obligation to disclose the details of its risk management or its security procedures to you.

9. DEFINITIONS.

  • "Account Profile" means the location on our website where you can, after logging in, view and manage your profile, including your personal information,
  • "Account" or "PayPro Account" means a Personal or Business PayPro Account.
  • "Add Money" or "Top Up"means your ability to transfer money from your bank account to your PayPro Account. Other methods eg bank deposits, OrangeMoney are permitted by PayPro
  • "Affiliate"means PayPro, Bargain Adds (Pty) Limited or a company that is a direct or indirect, or otherwise related to PayPro through common ownership or control.
  • "Authorize" or "Authorization" means a user/vendor’s express authorization to a third party to use the user/vendor’s PayPro Account.
  • "Business Days" means Monday through Friday, excluding the official national holidays recognized in Botswana.
  • "Claim" means a challenge to a payment that a User/vendor files directly with PayPro.
  • "Commercial Entity Agreement" means the agreement that commercial entities are required to enter into directly with PayPro's payment processor(s).
  • "Communications" means any Account or transaction information that PayPro provides to you, including: any Policies you agree to, including updates to these Policies; annual disclosure; transaction receipts or confirmations; Account history statements; and tax statements we are required to make available to you.
  • "Customer" means any person or entity using the PayPro Services without a PayPro account but does so via a USER (see definition of a user)
  • "Customer Service" is PayPro's customer support which can be accessed online via LIVE CHAT
  • "Days" means calendar days.
  • "Dispute"means a dispute filed by a User directly with PayPro
  • "Error" means a processing error made by PayPro or its suppliers in which your Account is mistakenly debited or credited.
  • "Fees" means those amounts stated in Exhibit A (Fees) of this Agreement.
  • "Information" means any Account information that you provide to us, including but not limited to personal information, financial information, or other information related to you or your business.
  • "Instant Transfer" means a payment funded using the sender's bank account in which PayPro credits the recipient instantly.
  • "Payment Method" means the payment method used to load money into your PayPro account. The following payment methods may be used to load money into your PayPro (subject to availability): internet transfer, direct bank deposits ,OrangeMoney and eWallet
  • "PayPro Services" means all our products and services and any other features, technologies and/or functionalities offered by us on our website or through any other means.
  • "PayPro,"  "we," "us" or "our" means PayPro,a division of Bargain Adds (Pty) Limited
  • "Policy" or "Policies" means any Policy or other agreement between you and PayPro that you entered into on the PayPro website, or in connection with your use of the PayPro Services.
  • "Preferred Communication Method" means a Communication Method that you select you selected as the primary communication channel in which to receive information from PayPro;by default PayPro uses instant sms.
  • "Restricted Activities" means those activities described in Section 7 of this Agreement.
  • "Substantial Change" means a change to the terms of this Agreement that reduces your rights or increases your responsibilities.
  • "Top Up"– see “Add Money” definition.
  • "Transaction History Page" means the page on the PayPro website titled "Transaction History" that displays information about the transaction. This page is accessible from the individual transaction in your Account on  the PayPro website.
  • "Unauthorized Transaction" means as defined in Section 6 of this Agreement.
  • "User or Vendor" means any person or entity using the PayPro Services via the website by opening an account, including you.
  • "Verified Account" means an Account status that reflects that PayPro has verified that an Account holder has legal control of one or more of his or her Payment Methods. A Verified Account status does not constitute an endorsement of a User or a guarantee of a User's business practices.