Acceptable use policy

You may not use Pletopay to receive or send money for:

• anything illegal in Nigeria, or the proceeds of crime;
• money laundering, terrorism financing or the financing of weapons of mass destruction, or dealings with anyone on a Nigerian or United Nations sanctions list;
• fraud and scams, including advance-fee fraud, Ponzi and pyramid schemes, and “investments” that promise fixed or guaranteed returns;
• financial services that need a licence or registration you do not have, such as taking deposits, lending, money transfer, foreign exchange, investments, insurance or virtual assets;
• gambling, betting or lotteries without a valid Nigerian licence;
• narcotics and other controlled substances, and prescription medicines sold without the required approvals;
• weapons, ammunition and explosives;
• counterfeit or stolen goods, and goods or content that infringe someone else’s intellectual property;
• sexual content involving minors, content shared without consent, and commercial sexual services;
• human trafficking, the sale of human organs and the illegal wildlife trade;
• fake documents, certificates or identity documents;
• hacking services, malware, stolen data or accounts, phishing and spam; or
• content that incites violence or hatred.

The following businesses may use Pletopay only after we have approved them, and may need to show their licence or registration:

• licensed financial services: lending, investments, insurance, pensions, money transfer, foreign exchange and virtual assets;
• licensed gambling, betting and lotteries;
• pharmacies and the sale of medicines;
• alcohol and tobacco;
• dating services and legal adult content;
• charities, donations, religious organisations and crowdfunding; and
• marketplaces and platforms that collect money for other sellers.

Whatever your business, you may not:

• give false information about your business or the people behind it;
• receive payments on behalf of another business, except through subaccounts you are responsible for;
• tell a customer a payment is confirmed when it is not, or charge customers fees you have not disclosed;
• split payments or transfers to avoid limits or checks;
• process real payments in test mode;
• try to access another business’s data, or interfere with Pletopay or its security;
• load-test or scan Pletopay without our written permission;
• copy, resell or reverse engineer Pletopay; or
• use invoices, receipts or payment pages to send abusive or misleading content.

If you find a security issue, write to hello@pletopay.com before telling anyone else. Do not access or change data that is not yours, and do not disrupt the service. We will not take action against good-faith research that follows these rules.

We may ask for information, refuse or hold payments and transfers, suspend live access, close the account, and report activity to the authorities, as set out in the Terms of service. You are responsible for losses, fines and costs that result.

To report a business you think is misusing Pletopay, write to hello@pletopay.com.