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Vidaripay Terms of Service

Last Updated: September 19, 2026

Welcome to Vidaripay! We're excited to have you on board. These Terms of Service explain the rights and responsibilities you have while using our services. By using Vidaripay, you agree to follow these terms. Please take a moment to read them carefully.

About Vidaripay

Vidaripay is part of Vidari Company Ltd, Vidari Group LLC, Vidari Company SARL, and other global entities. We provide a secure and reliable platform for financial transactions across several countries. By using Vidaripay, you are agreeing to these Terms of Service.

Eligibility

  • You must be at least 18 years old to use Vidaripay.
  • By signing up, you confirm that all information you provide is accurate and complete.
  • If false or misleading information is provided, we may suspend or close your account.

Protecting Your Account A Shared Responsibility

  • You are responsible for safeguarding your account details, including your username, password, and any additional security features.
  • Vidaripay uses Multi-Factor Authentication (MFA), but you must keep your login details confidential.
  • If unauthorized access occurs due to weak security on your part (e.g., sharing credentials), you may be held responsible for resulting losses.

Wallet Services

Vidaripay provides digital wallet functionality that allows eligible users to view, receive, hold, convert, and use supported balances within the Vidaripay platform. Wallet availability, supported currencies, transaction types, limits, and features may vary depending on your country, account status, applicable regulations, and the services available through Vidaripay.

Role of Vidaripay

Vidaripay is a digital technology and payments platform. Where a wallet service involves the receipt, holding, safeguarding, transfer, conversion, payout, or settlement of customer funds, such services may be provided or supported by licensed or authorized financial institutions or payment service providers, as applicable. The specific provider responsible for a particular service may depend on the user’s country, transaction type, and applicable regulatory requirements.

Wallet Balances

Your Vidaripay wallet may display balances in supported currencies. A balance shown in the app represents the amount recorded for your account within the Vidaripay platform and may be subject to transaction status, verification, reconciliation, and applicable service conditions.

Adding Money

You may add money to your wallet using funding methods made available to you in the app. Deposits may be subject to verification before the corresponding balance becomes available for use. Vidaripay may delay, reject, reverse, or place a transaction on hold where required for security, compliance, fraud prevention, reconciliation, or other legitimate reasons.

Receiving and Sending Money

Where available, you may use your wallet to receive or send money to other eligible users or supported payment destinations. Transactions may be subject to applicable limits, fees, verification requirements, and processing times.

Third-Party Payment Services

Certain wallet funding, payout, settlement, payment, or other regulated financial services may be provided through licensed or authorized third-party service providers. The availability and processing of these services may depend on the relevant provider and applicable local requirements.

Wallet Availability

Not all wallet features are available in every country or to every user. Vidaripay may add, modify, restrict, suspend, or discontinue wallet features where necessary to comply with applicable laws, regulatory requirements, security measures, or changes to our service providers.

Transaction Verification

Vidaripay may verify incoming and outgoing transactions before crediting, releasing, or completing a transaction. This may include checking transaction references, payment status, source information, and other information required to confirm that a transaction has been properly received through an approved payment route.

Incorrect or Unrecognized Transactions

If you notice an incorrect, unauthorized, duplicated, or unrecognized wallet transaction, you should contact Vidaripay support promptly. We may investigate the transaction and take appropriate action, including placing restrictions on the affected transaction or account where necessary.

Virtual Cards

Vidaripay offers virtual card services to eligible users through licensed or authorized card-issuing partners. Eligible users may access and manage their virtual cards through the Vidaripay platform, subject to applicable eligibility, verification, limits, and service requirements.

Role of Vidaripay

Vidaripay provides the technology and platform used to access and manage virtual card services. Card issuance, authorization, processing, settlement, and other regulated card services may be provided by licensed or authorized financial institutions, card issuers, payment networks, or other service providers.

Card Eligibility and Verification

You may be required to complete identity verification or provide additional information before a virtual card can be issued or activated. Access to virtual card services may be restricted or suspended for security, compliance, fraud prevention, or regulatory reasons.

Card Use

Virtual cards may only be used for lawful transactions and supported merchants and services. You must not use your card for fraud, unlawful activities, or attempts to bypass security or transaction restrictions.

Card Funding, Limits, and Fees

Virtual card transactions are subject to your available card balance, applicable spending limits, authorization requirements, and any applicable fees. A transaction may be declined, delayed, or reversed if sufficient funds are unavailable, a limit is exceeded, or security or authorization requirements are not met.

Card Security

You are responsible for keeping your virtual card details, passwords, verification codes, and other security information confidential. If you notice an unauthorized or suspicious transaction, contact Vidaripay support promptly. We may investigate the transaction and, where necessary, freeze, restrict, replace, or terminate the affected card.

Suspension and Termination

Vidaripay or the applicable card service provider may suspend, restrict, or terminate a virtual card due to suspected fraud, unauthorized activity, violation of these Terms, security concerns, regulatory requirements, or other circumstances permitted by applicable law.

Merchant Disputes and Refunds

Merchant disputes, cancellations, refunds, and other purchase-related issues may need to be addressed with the merchant first. Where available, you may also have access to dispute or chargeback procedures provided by the applicable card issuer, payment network, or service provider.

Virtual Card Availability

Virtual card features, currencies, limits, merchants, and other services may vary by country, user eligibility, and applicable regulations. Vidaripay may modify, restrict, suspend, or discontinue virtual card services where necessary.

Services and Transactions

Vidaripay allows payments, transfers, and other financial transactions across multiple African countries (including Rwanda and Nigeria). All transactions must comply with the laws of the relevant countries. We may refuse, delay, or cancel any transaction that appears fraudulent or unlawful.

Features may be updated, improved, or discontinued as our platform evolves.

Currency Exchange

With Vidaripay, you can easily change money between the currencies we support (for example, from Naira to Rwandan Franc).

  • Exchange Rates: We always show you the rate before you confirm. Rates can change quickly, but the rate you see at the time of confirmation is the one that applies.

Fees and Charges

Fees are always displayed clearly before you confirm a transaction. If fees change, we'll notify you in advance. You are responsible for any taxes or charges related to your jurisdiction.

Do's and Don'ts

By using Vidaripay, you agree to the following:

Do's:

  • Follow all relevant laws.
  • Protect your account details.
  • Report suspicious activity immediately.

Don'ts:

  • Engage in fraud, scams, or money laundering.
  • Share your login details with anyone (including support staff).
  • Attempt to bypass or tamper with security systems.

Breaking these rules could result in account suspension or permanent closure.

Privacy and Data Protection

We use industry-standard encryption to protect your data. Your personal information is used only to process payments and meet legal requirements. We never sell your data to third parties. Vidaripay complies with local and international data protection laws.

Fraud Prevention

We use 24/7 monitoring and fraud detection systems. If suspicious activity is detected, we will take immediate steps to protect your account and funds. Report any unusual activity to Vidaripay support as soon as possible.

Account Suspension and Termination

We may suspend or close your account if it is linked to:

  • Fraudulent, illegal, or suspicious activity.
  • Violation of these Terms of Service.

If suspended or terminated:

  • You will lose access to all services, including withdrawals.
  • We may hold funds while investigating.
  • Depending on the violation, funds may be withheld or forfeited, and activity may be reported to authorities.

Updates to These Terms

We may update these Terms from time to time to reflect legal changes or service improvements. Significant updates will be communicated. By continuing to use Vidaripay, you agree to the updated terms.

Cross-Border Compliance

Vidaripay operates across multiple African countries, including Rwanda, Nigeria, and others, and remains committed to compliance with all relevant financial and data protection regulations.

Limitation of Liability

Vidaripay is provided "as is" and "as available." We are not responsible for:

  • Losses from transactions you initiate.
  • Downtime, delays, or errors caused by third-party services.
  • Unauthorized access due to your own actions (e.g., sharing login details).

We disclaim all warranties, except where prohibited by law.

Contact Us

If you have questions or need support, reach us at: