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These General Terms and Conditions of Use of the PaySika - Ecobank Cameroon Virtual or Physical Prepaid Card Payment Services here in after "Terms or Conditions" mentionedherein and the additional conditions will govern your access to the website hereinafter "Website", to the mobile application, web, chatbot and the use of services related to the PaySika credit card.

The purpose of the conditions is to define the terms and conditions of access to the Services, in particular, the provision of a credit card for any type of purchase that requires electronic payment, a Chatbot, a mobile application and a web application to track its expenses, to view its PaySika prepaid bank card(s), pay phone credit, transfer money to another user's card/bank account. The mobile application also allows you to pay at a physical Merchant. is a site published jointly by PaySika Holding SAS and PaySika Cameroun SAS. PaySika Holding SAS is a simplified joint-stock company with a capital of 1201 euros, whose registered office is located at 118 Route de Narbonne, registered with the Toulouse Trade and Companies Register under number 881 936 744.
PaySika CAMEROON SAS (hereinafter PaySika) is a simplified joint-stock companywith a capital of 5 million FCFA, whose registered office is located in Douala, Rue Drouot, Akwa, BP 15027 Douala registered with the Douala Trade Register under number: RC/DLN/2022/M/1064 , represented by its president Mr NENGWE NTAFAM Roger, duly authorized for the purposes hereof and their consequences,

PaySika CAMEROUN SAS carries out its activity as a Distributor Agent of Ecobank CAMEROON SA, whose registered office is located at Immeuble Champagne Plaza, rue Ivy French Bonajo, B.P 582 Douala, and registered under number DLA/2000/B/025516, which is a credit institution, main member of the VISA card association and duly registered and authorized to issue cards on Cameroonian territory.

PaySika is a startup that allows: To internationalize mobile money solutions (Airtel Money, Mobicash, Orange Money, Moov, etc.) present in French-speaking Africa and digitize cash so that as an account holder with us you caniez:
- Youcan find physical or online merchants at international or local locations via a bank card that we provide to you;
- Sell your expenses, buy phone credit, manage your PaySika card(s), via our mobile application, chatbot or web application,

These general conditions of use and the additional conditions apply exclusively between the Company and any User of its Services, whether the Use occurs via the Site, the Chatbot or the Mobile/Web Application. The Services are exclusively reserved for Users, to the exclusion of any other person. Any Use of the Services automatically implies the application and full acceptance of these Terms, in their version in force on the date of use.

PaySika reserves the right to freely update and modify the GTCU at any time, after having informed the Users in advance. Any User who refuses the new version of the GTCU from their date of entry into force will then be required to cease the Use of the Services. Any modification will take effect from its publication on the Site and will only apply to Users using the Services after its entry into force. PaySika reserves the right to supplement the GTCU with any special conditions or other document, having contractual value, subject to informing the Users in advance.

By creating and using a PaySika Account (as defined below), you agree and agree to comply with these Terms and Conditions. If you disagree with these Terms of Use that would apply to you (or if you do not have the right to bind the company or other business entity you represent), you are not authorized to access or use the Services, and you should not accept these Terms of Use.

Where applicable, it is your responsibility to ensure that your employees or other representatives using the Services on your behalf have read, understood and agree to be bound by these Terms of Use and any Additional Terms.

It is important that you understand the risks and liabilities associated with using the Services, and you should read these Terms of Use carefully before accepting them and starting to use the Services.
If you have any questions or concerns about the content of these Terms of Use or if you would like to better understand how our Services work, please do not hesitate to contact us.

Access to the website
The website is accessible to any individual authorized by applicable law wishing to benefit from the services offered by PaySika as presented in these conditions.

Registration or registration on the website
Registration takes place in two stages:
- The communication by the User of a valid telephone number and/or email address, to which is addressed 6-digit OTP code to validate his registration. He also enters his password allowing access to his account.
- Once the OTP code has been validated, access to the Services requires, on the User's Dedicated Area on the Chatbot or the Web/Mobile Application :
a) To fill in a detailed form containing Personal Data, in particular, surname(s), first name(s), date and place of birth, address and country of residence, mobile phone number on which you have a Mobile Money and personal email account, and if applicable, the User's profession; in the event that the User is a Minor, the form must include the contact details of one of its legal representatives who will oversee the use of this account.

(b) To provide a copy of both sides of an identity document (identity card, residence card, passport);

c) To take a "selfie" (self-image).

PaySika offers its Users a referral system allowing them to obtain a free additional card (in addition to the first free default card) for the benefit of the sponsor, subject to the actual registration of the referred party and the opening by the latter of a PaySika account. The number of referrals is unlimited.
PaySika reserves the right to terminate the sponsorship at any time or to modify the conditions and amount, which the User acknowledges and accepts. If PaySika is required to find irregularities of a User in the context of the sponsorship, it will have the right to take any appropriate measure to put an end to these irregularities, including the suspension or closure of the Account of the User concerned.

Use of the website
You must not misuse the Site and/or Services by knowingly or negligently introducing viruses, worms, Trojan horses, logic bombs or any other malicious or technologically harmful elements. You must not attempt to gain unauthorized access to the Site and/or Services, the servers on which the Site or Services are hosted, or any other server, computer or database connected to the Site and Services. You must not attempt the Site through a denial-of-service attack or a distributed denial-of-service attack.

Violation of these conditions is punishable by law. We may report such a breach to the relevant authorities and we will cooperate with those authorities by disclosing your identity and other data related to your Account. In the event of such a violation, your rights to use the Site and Services will be immediately revoked.
We are under no obligation to monitor or moderate a user's activity or use of the Site, however we reserve the right, at any time, to monitor, retain and disclose any information necessary to meet the requirements of applicable law, regulation, legal process or at a request from regulatory authorities, to ensure the correct use of the Services and compliance with our Terms and Conditions or to investigate any suspected violations.

The services offered

PaySika offers the services mentioned below to its Users. At any time, these may be supplemented and/or amended by the Company.
5.1. PaySika card account
5.1.1. Presentation
The PaySika Account is a payment account in FCFA, without overdraft authorization that reflects the balance on the card. The Account is linked to a mobile/web application, chatbot. For each PaySika account, the user can automatically generate as many virtual bank cards as he wants and order as many physical bank cards. The PaySika credit card allows the following operations to be carried out:
• Payments with the card,
• Issuance of money transfers from or to a PaySika card, to other PaySika cards or electronic money account,
• Receiving money transfers,
• Top up your card by deposit (via the User's Mobile Money account) or by bank transfer to the PaySika card account.

5.1.2. Opening the account
The Account is accessible to adults, minors subject to the agreement and control of their legal representatives with regard to the latter. The opening of the Account requires compliance with the following conditions:
• Be at least 18 years old at the time of account opening
• Communicate the information requested on the Site or the Application,
• Create a username and a secure password,
• Transmit all requested documents (mainly a valid national identity document or passport)
• Have a mobile phone number associated with a mobile money account,
• Be resident in one of the countries of the CEMAC zone
• Accept these Terms.

5.1.3. Operation of the account
The Card Account can be managed via the Chatbot or the Mobile/Web Application. Its balance corresponds to the difference between credit and debit transactions. He must always be a creditor, under penalty of refusal of payments or direct debits presented. In the event that a transaction is presented, accepted by the Company but would have the effect of overdrafting the Account, the User will be required to fund the Account without delay and fees for lack of provision may be applied by the Company. All the operations of the PaySika Account will be the subject of a real-time history, accessible via the Web/Mobile Application or via the chatbot. A full summary of overall expenses is also available on the app. Except for maintenance, the PaySika Account is accessible 24 hours a day, 7 days a week, by means of a dual authentication system in accordance with the regulations in force.
In addition to consulting the balance, the PaySika Account allows the following operations to be carried out:
• Payments with the card,
• Issuance of money transfers from or to a PaySika card, to other PaySika cards or electronic money account,
• Receiving money transfers,
• Top up your card by deposit (via the User's Mobile Money account) or by bank transfer to the PaySika card account.
• Payment of water and electricity bills,
• Phone credit top-up,
• Implementation of all notifications and alerts,
• Management of the Card (in particular, any opposition, blocking on it or blocking unblocking the Card),
• Setting up withdrawals from the Account,
• Updating personal information,
• Communication of identification documents,
• Contacts with the PaySika team, all payment transactions on the PaySika Account are initiated by the User, via the Application or chatbot, and processed by PaySika.

5.2. Payment Services
5.2.1. Money transfer
Two users who have a PaySika card can make a money transfer from card to card. For this, there are two approaches:
a) Using the QR Code:
- Simply scan the unique QR code of the person to whom you want to send the money, then enter the amount of the transfer and finally validate. If everything is OK, the user receives a confirmation of the shipment
b) Using the phone number of the other PaySika user
- With this approach, simply enter the amount of the transfer, then enter the PaySika phone number of the person to whom you are sending money and finally validate.
All the steps to follow are indicated in the application. Money transfers from card to PaySika card are free.

5.2.2. Map
The PaySika card is a personal prepaid visa-type debit card subject to systematic authorization and immediate debit. VISA cards are issued by Ecobank CAMEROON. You have access to a virtual or physical payment credit card.

The first virtual card is free and other virtual cards maybe subject to a cost that is set out in these Terms of Use.
The physical card is free of charge, however logistical costs apply and are defined in the GTCU.

The Card makes it possible to make any payment, locally or internationally, in store or online. These payments are subject to a fixed cost levied by PaySika and stipulated herein, excluding exchange fees.

The physical card allows withdrawals/payment to be made locally or abroad, subject to
(i) that the PaySika account is funded before payment or withdrawal and remains so after and (ii) any exchange fees in case of payment/withdrawal in foreign currencies .

Fees are also applicable after a certain number of withdrawals locally or abroad with his physical card and are indicated in the GTC

When paying, withdrawals in foreign currencies, PaySika applies a conversion rate (provided by the card network) which can give rise to a regularization on your PaySika account post-transaction (either a debit or a credit).

Online payment is made by entering the card number, the expiry date and the CVV (Card Verification Value). The user may delete a card and generate a new one at any time knowing that obtaining new cards maybe charged to the user under certain conditions stipulated in the GTCU.
The information of physical or virtual cards must be kept secret, so the user is responsible for them and will have to assume the consequences related to the negligence of his information. If the user uses his card to register on a website that must charge amounts on specific dates, he must ensure that he has the sufficient amount on his card so that the transaction is carried out without worries.

In case of theft or loss of the physical card, any cardholder is required to deactivate his card via the chatbot, the mobile application, web and oppose as soon as possible. Payments made via this card before opposition remain the responsibility of the holder if they have been made with the composition of the secret code or in the event of fraudulent actions of the holder or negligence of the latter.

i. Levy
PaySika cards can be used for purchases that require recurring direct debits.
PaySika reserves the right, however, to refuse to honour any debit that arises in the event that the PaySika Account is insufficiently funded.

ii. QR Code
All Users of the mobile application have a unique QR Code. The latter is used to make a money transfer from card to paySika card.

5.2.3 the use of VISA cards

a) Purpose of the map

The Visa prepaid debit card allows its holder to make cash withdrawals from ECOBANK CAMEROON's Automated Banking Machines (ABMs), ATMs and ATMs of other banks or credit institutions affiliated to the Visa International network.

The prepaid debit card allows its holder to pay for purchases of goods or services from merchants and service providers with Electronic Payment Terminals (EPTs) approved by Visa International.

These operations can be carried out both in CAMEROON and abroad with banks, subject to compliance with the exchange regulations in force in CAMEROON on the one hand and the availability of a sufficient balance on the other hand.

b) Issuance of the card

PaySika will issue a Card in the name of the applicant, referred to herein as the "Cardholder". The card will bear the VISA logo, the ECOBANK logo, the ECOBANK BIN and the PaySika logo.

It is understood that the cardholder will use the card on his behalf in accordance with the terms of these Terms. The ownership of the card is not transferable and remains that of PaySika.

c) Code secret

The cardholder creates a 4-digit PIN code in the PaySika mobile app. This code is requested when using the card on ATMs, ATMs and VSEs. The cardholder uses his password or his application access PIN created when opening his account in the PaySika application, to access his account electronically. This password can be changed at any time by the cardholder. A verification code of three (03) digits for single use may be communicated to the holder for the purpose of securing its transactions on the Internet.

The cardholder must keep these codes and passwords secret. He must not write them on the card, or on any document. In particular, he must not write it on the card, or on any other document. He must make sure to dial his PIN code away from prying eyes. This code is essential in the use of ATMs, ATMs and VSEs designed in such a way that no operation can be carried out without the implementation of this secret code. The number of successive attempts to compose the secret code is limited to 3 (three) on these automatic devices, with the risk in particular of confiscation or invalidation / temporary of the card on the 3rd unsuccessful test. In case of temporary blocking, if the cardholder was the originator of the tests, he can unlock the card in the PaySika application.

d) Use of the card for cash withdrawals from ATMs of banks and institutions affiliated to the international visa network

The prepaid card can be used in CAMEROON as well as abroad for cash withdrawals from ECOBANK counters or any other institution affiliated to the VISA network within the limit of the available balance of the cardholder's electronic account.
The cardholder must dial their PIN and the desired amount.

Withdrawals are possible within a limit of one ceiling. They are subject to transparent fixed pricing described herein.

Each time the card is used, the available value is reduced by the amount of the transaction, fees (if applicable) and commissions.

e) Use of the card for the payment of purchases of goods and services

The prepaid card is a means of payment that should only be used to pay for purchases of goods and services actually made.

The cardholder is responsible for any invoice bearing his signature, if however the proof of the sale or service is established by the merchant or the provider.

PaySika remains unrelated to any commercial dispute relating to the payment transaction, which may arise between the cardholder and the merchant or service provider.

The existence of such a dispute can in no way justify calling into question the payments made by the cardholder.

An identity document may be required by the merchant or the service provider

f) Admissibility of oppositions

The payment order given by means of the card is irrevocable. Only oppositions expressly motivated by the loss, theft of the card, fraudulent use of the card, the opening of collective proceedings against the beneficiary or any other circumstance provided for by the regulations in force are admissible by Paysika.

g) Terms of opposition

The cardholder must immediately declare the loss, theft of his card, the withdrawal of it by a member of his family or the opening of collective proceedings against the beneficiary. This declaration must be made by telephone, telex, telegram, mobile/web application or chatbot at the service of Paysika.

The opposition made by simple telephone call to the service of Paysika is admissible and produces the same effects as the written opposition. The customer, if applicable, must specify the last 6 digits of his card number and its validity date.

However, to be valid, any opposition that has not been the subject of a declaration signed (handwritten or electronic) by the holder must be immediately confirmed within the maximum period of twenty-four (24) hours following the request for opposition, by letter accompanied by all supporting documents delivered against discharge or sent by registered mail to the headquarters of Paysika.

In case of loss or theft, PaySika will issue, at the expense of the owner, a new card without this entailing a modification of the terms of this contract.

The cardholder is responsible for the use and retention of the card and for the resulting financial consequences.

Upon receipt of an objection made under the conditions provided for above and with the exception of transactions made by him, the cardholder shall be held liable for all transactions carried out after the objection and provided that they were not carried out by a family member or close relative of the cardholder.

h) Responsibility of the cardholder

Principle: The Cardholder is responsible for the use and retention of his/her Card and PIN and must use it in accordance with the conditions specified herein. It assumes as indicated below.

The consequences of using the card as long as he has not objected under the conditions provided for in bridge f and g above.

Operations carried out before opposition: They are the responsibility of the customer regardless of any fault or recklessness on his part.

Transactions carried out during the opposition period: They are the responsibility of Paysika with the exception of transactions carried out by the cardholder or his representative

i) Duration of validity of the card, renewal, withdrawal and return of the card

The card is valid for two (2) years from the date of issue. It is renewable on the due date at the request of the cardholder upon payment of the cost of the card.

PaySika will issue a new card if necessary in the event of renewal, loss or theft without this entailing a change in the terms of this contract.

PaySika may at any time withdraw the card or suspend the right to use the card without prior notice in the event of misuse or fraudulent use of the card.

The decision to withdraw shall be notified in all cases to the cardholder. The cardholder undertakes, therefore, to return it at the first request for engages his responsibility if after notification of the withdrawal of the card, by simple letter, SMS or email, he continues to make use of it.

The cardholder may terminate this agreement at any time through the mobile, web or chatbot application. He undertakes to return the card in the event of termination.

The holder may request paySika to reimburse the available balance against the return fee.

j) Claims

The card and/or account holder has the possibility to file a complaint in writing, if possible by presenting the ticket for the disputed transaction, within a maximum of 120 days, from the date of the disputed transaction. Both parties agree to take the best care of their mutual information on the conditions of execution of the operation. The information or documents, or their reproduction, that PaySika holds and that relate to the operations referred to in this contract must be kept for one year by PaySika. They will be produced no more than 45 days after the cardholder's and/or account request. In the event of a justified complaint, the situation will be rectified.

k) Disclosure of Information to Third Parties

PaySika reserves the right to communicate to the authorized authorities the information concerning the account holder(s) in the event of misuse or fraudulent use thereof. The cardholder authorizes PaySika to distribute or have distributed to merchants and financial institutions, technical organizations interested in the use of the card, the information on the card if it was lost or stolen (as well as their address if the card was used fraudulently).

l) Sanctions

Any abusive or fraudulent use of the card as well as any false declaration is punishable by law. Any misrepresentation or misuse of the Card may also result in the loss of the benefit of the provisions hereof.

5.3. Entertainment Offers
In addition to the payment services referred to above, PaySika regularly offers its Users the opportunity to take advantage of commercial offers from its partners: discounts at restaurants and fast food, place concertsat reduced prices, participation in events, etc.
In order to offer ever more personalized offers that are compatible with the interests of its Users, PaySika carries out analyses of its Users' data, anonymously, in order to identify their tastes and interests, initiate targeted marketing operations and negotiate benefits with its partners in the interest of Users, which the latter expressly acknowledge and accept, subject to their rights in relation to personal data.

The opening of the Account and access to the Services offered to Users are free of charge unless specifically stipulated otherwise. Obtaining the first Virtual Card is free. If the user wants another virtual card, it will be free if he has referred someone and provided that the latter validates his registration and identifies himself. Otherwise, it costs 655 FCFA.
The physical card is also free. However, the user pays the delivery cost which amounts to 3,000 FCFA.
Payments made with PaySika cards are charged up to 1% of the transaction amount excluding exchange fees.

Withdrawals from the PaySika card to other currenciesare free of charge up to 3 withdrawals. Beyond that, the user may be subject to a fee of 2% of the amount of the transaction he wishes to carry out.

Overall,all paid services are expressly mentioned when subscribing. In the event of the implementation of paid services or a change in the free provision of the current Services, the Company will inform Users and publish on the Site and the Application, its tariff guide, which will be accessible at any time on the Site and the Application.

7.Account Protection
If you choose or are assigned a password or other information in connection with our security procedures, you must treat this information as confidential and not disclose it to any third party.
You are responsible for the confidentiality of your password and will be held fully responsible for all actions performed under your username with your password. Any username and password chosen by you or assigned to you to access the Services is for your personal use only and is not transferable. We recommend that you disable any automatic saving of passwords or access PIN in your browser or phone before using the web or mobile application. This will help limit the risk of unauthorized use of your Account for you.

You agree to:
(a) notify us immediately of any unauthorized use of your username (email address or phone number) and/or password, or any other breach of security; and
(b) ensure that you log out of your Account at the end of each session. We shall not be liable for any loss or damage resulting from your failure to comply with this clause.
If you forget or lose your password, app access PIN, or Account information, you can reset this easily in the app. In the event of a significant difficulty, please contact us We will use all commercial due diligence to suspend your Account (if necessary) once you have informed us of the loss of related information, but you will remain solely responsible for all transactions. made on your Account before it is suspended. If we have reason to believe that there is a security breach or misappropriation of your Account, we may ask you to change your password, PIN or registration information or we may suspend or close your Account without prior notice.

We have the right to disable, suspend or restrict your username or password, whether chosen by you or assigned by us, at any time at our discretion, including if, in our opinion, you have failed to comply with any provision of this Agreement.

You may not:
(a) Enter, select, or use a false name, address, account information, or email address owned or controlled by another person, with the intent to impersonate that person, or
(b) use a name or similar information without proper authorization. We are not responsible for any damages resulting from unauthorized use of our Site and/or Services, whether fraudulent or otherwise. We reserve the right, in our sole discretion, to refuse, suspend or cancel a username without prior notice. You can refer to the privacy policy for more details by clicking HERE

Access to services
The Services offered are accessible via a chatbot available on Facebook, Whatsapp and Telegram, the Mobile and Web Application, subject to having previously registered, following the procedure provided for this purpose. The Site is accessible at the following address:
The Application is available on the Google Play Store and the App Store, which require the use of a username and password specific to the User. The use of the Application requires a smartphone or tablet connected to the internet. The Company can in no way be held responsible for difficulties in downloading the Application from the Google Play Store or the App Store. Access to the Services also requires the User's acceptance of the PaySika Contract, the GTCU and any annexes, which is the subject of a tacit agreement at the time of registration.

Availability of Services
PaySika reserves the right to suspend at any time and temporarily the Application or the Chatbot in order to update them or any maintenance operation, without this temporary suspension of the Services engaging its responsibility. In order to limit any inconvenience for Users, PaySika will notify Users of any maintenance operation prior to it.

Guarantees and Responsibilities
a. Principles
PaySika makes its best efforts to make the Application, the Chatbot and the Site available at any time, throughout the year. PaySika is subject to an obligation of means in respect of the Services offered, to the exclusion of any obligation of result.

b. Limitation of Liability
PaySika does not grant Users any guarantee of availability of the Chatbot, the Site and the Application and cannot be held liable in the event of suspension, interruption, difficulties of access or unavailability of the Site, the Chatbot or the Mobile, Web Application. PaySika also declines all responsibility for any loss of data, the occurrence of any computer bugs or any damage resulting from any fraudulent intrusion by a third party on the Chatbot, the Site or the Application, themselves resulting from any fault or wilful or involuntary negligence of a User. As an express condition of PaySika's consent to the Services, its liability towards any User shall not exceed the amount invoiced to the latter during the last six months preceding the commitment of his responsibility by the User concerned. In any case, PaySika cannot be held responsible for any indirect damage caused to a User, whatever the cause. PaySika will also not be responsible for the commercial offers of its partners and any consequences attached to them or resulting for the Users who have accepted them.

Responsibility of the User
Any User is solely responsible for the confidentiality of his usernames and passwords and / or any use made by him of the Chatbot, the Site or the Application and the consequences attached thereto. Any User is prohibited from harming, in any way whatsoever, the Chatbot, the Site or the Application and from making use of them that is not in accordance with their purpose. Users are solely responsible for the information communicated to the Company and its possible updating. Any User guarantees the Company against any action of third parties resulting from any breach of these Terms, which he undertakes to respect.

Suspension and Termination of Access to the Services
12.1. Termination by any User
12.1.1. Termination by Any User
The Services offered by PaySika are for an indefinite period. Any User has the right to terminate the Services and close his Account on request in the application in the tab provided for this purpose or via a request to PaySika's customer service, using the following address: In the event of closure of any Account and the Services associated with it, PaySika will take note of the User's termination by sending an email or SMS to the user. The credit balance of the Account will be returned by PaySika to the holder at the end of a maximum period of 30 days, by transfer to the Mobile Money account or the bank account whose details will be communicated by the User to PaySika. The closure of the Account will automatically and automatically entail, without additional formality, the definitive blocking of all the cards that the user has.

12.1.2. Termination or Deletion by PaySika
PaySika also has the right to terminate or suspend any Account:
• With two months' notice, without reason
• Immediately, for good reason, in particular, in the event of finding irregular transactions on the Account (fraud, repeated unpaid, laundering, etc.) or non-compliance with these Terms. The choice between termination and suspension rests with the Company, with no recourse.
In the event of termination of the Account, the credit balance of the Account will be returned to its holder at the end of a maximum period of 30 days, by way of transfer, to any Mobile Money account or bank account whose details will be communicated to the Company by the User concerned.
In case of suspension, the Account may be reactivated at the request of the User, within fifteen days of the suspension.
Any death of a User automatically entails the immediate suspension of the Card in use and his Account and its closure within thirty days of the transfer of the balance to the notary in charge of the succession.

12.2. Inactive Account
An account is considered inactive:
1) Either at the end of a period of twelve (12) months during which the following two conditions are met:
a) The account has not been the subject of any transaction, except for the recording of interest and debit by the institution taking into account fees and commissions of all kinds or payment of proceeds or repayment of equity or debt securities;
(b) The account holder, his legal representative or the person authorized by him has not manifested himself, in any form whatsoever, with that institution or has not carried out any transaction on another account opened in his name in the books of the institution.
(2) Or, if its holder has died, at the end of a period of twelve months following the death during which none of his successors in title has informed the institution taking into account of his wish to assert his rights over the assets and deposits entered therein. In the event of an inactive account, PaySika will inform the holder or his legal representative or, where applicable, his known beneficiaries, by any means at its disposal and will inform them of the consequences attached thereto, in particular as regards the fate of the funds, which will be transferred to the Caisse des Dépôts et Consignations within the legal and regulatory deadlines. In addition to the aforementioned transfer, PaySika will also have the right to suspend the Card with immediate effect as soon as the Account is inactive. In such a situation, the Card may be reactivated by its User by contacting the Company by any means leaving a trace.

From the moment of registration on the Site, any User benefits, in accordance with the applicable legal provisions, from a right of withdrawal exercisable for fourteen (14) days, and this, without cost or penalty of any kind whatsoever. Any use of this right by a User automatically entails termination of the contract binding him to the Company, with immediate effect. Any request for withdrawal must be accompanied by the communication of a valid mobile money number or bank account in order to allow the Company to transfer the balance of the Card Account, less any advantage that would have benefited the Withdrawing User, resolved automatically as a result of the withdrawal.

Limitation of Liability
In no event shall we be liable for any damages caused by your negligence or misuse of your account.

15.1. Evidence
Proof of the acts and operations ordered and/or carried out by any User of the Site, the Application or the Chatbot may be validly reported by means of the systems set up or used by PaySika, which the Users expressly and irrevocably accept.

15.2. Personal Data
PaySika is committed to preserving your privacy. All personal data transmitted by any User are confidential and treated in accordance with the legal and regulatory provisions in force. For complete information on the processing of personal data by PaySika and on the rights of Users associated with it, PaySika invites Users to consult its privacy policy accessible on its Site, from the following link:, which specifies in particular:
• The legal grounds on which the collection of personal data is based
• The nature of the data collected
• Users' rights
• The purposes of the processing

15 .3. Intellectual property
The content of the Chatbot, the Site and the Application remains at all times the exclusive property of the Company. Users do not acquire any rights, both on the content of the Site and the application and on any graphic charter, any logo, any registered or unregistered trademark used by the Company. Users are prohibited, without the prior written consent of the Company, from filing any term, combination of terms or symbols similar to the PaySika brand or the name PaySika or PaySikaCard, PaySikaCard PaySika QR, PaySika Care. More generally, Users are prohibited from reproducing, modifying or exploiting the graphic charter, logo and name of the Company, without the prior authorization of the Company. Any unauthorized use of the Company's graphic charter, its logo or the Name PaySika constitutes acts of infringement and engages the responsibility of its author.

15.4. Independenceof clauses
The nullity, wrongfulness or unenforceability of any clause hereof shall not result in the nullity, wrongfulness or unenforceability of the other clauses. In the event of nullity, wrongfulness or unenforceability of a clause, the Company will replace it with new valid, lawful or enforceable stipulations that will have an effect as close as possible to that of the null, unlawful or unenforceable clause. Users may not claim damages due to such nullity, wrongfulness or inapplicability of any clause hereof.

15.5. Force Majeure
Neither Party shall be liable for non-performance or delay in the performance of its obligations if such delay or non-performance results from a case of force majeure, as defined by case law. In the event that the Company considers invoking a case of force majeure, it must inform any User in advance, in writing or by formal email, at the latest within five (5) calendar days following the occurrence of the event invoked. In any case, in the event of the occurrence of a case of force majeure, each party will make every effort to minimize the effects of said case of force majeure. For the purposes hereof, any loss of employment of a User shall not constitute a case of force majeure.

15.6. Complaint and Mediation
15.6.1. Complaint Any complaint in connection with the Chatbot, the Application or the Services offered by the Company may be made by any User to the Company, by email to customer service or telephone contact. The Company undertakes to respond within a maximum period of two months from receipt of the complaint. The Company and the User concerned at the origin of the complaint will endeavor to make their best efforts to find any amicable solution.
15.6.2. Mediation In the absence of an agreement between the User and the Company, any User will have the right to use the services of the mediator who is none other than the association of financial companies of the country of residence if it exists.

Applicable Law – Jurisdiction
16.1. Applicable law
The GTCU and any resulting documents between the Company and any User are governed by and interpreted in accordance with the law of the Country in which the PaySika account was created (in one of the CEMAC countries).
16.2. Jurisdictional Jurisdiction: Any dispute arising from the validity, interpretation or execution hereof will be submitted to the competent French courts.

We may revise these Terms when the need arises. Changes will not be retroactive and the most current version of the Terms will always be available on the PaySika website and will govern our relationship with you. We will notify you of any material changes through an email associated with your account or a service notification. By continuing to use our services after the changes become effective, you agree to be bound by the revised terms.
In the event that any of these Terms are held to be invalid or unenforceable, such provision will be limited or severed to the minimum extent necessary and the remaining provisions will remain in full force and effect. The non-application of any right or provision of these Terms by Paysika shall not be deemed a waiver of such right or provision.

- PaySika account: a user's account
- Apple Store or App Store: means the application store distributed by Apple on mobile devices running iOS, it being specified that access to this application store is itself subject to Apple's contractual provisions that the User declares to know and have accepted by downloading the Application.
- Application: refers to the Company's mobile application downloadable from the Google Play Store or the Apple Store, allowing you to view the balance of the Account, track the transactions carried out via the Card, receive any notification, place the orders necessary to carry out certain Payment Transactions. It is also used to pay at a local Merchant. Payment of water, electricity, TV bills and phone credit top-up can also be done in the app.
- Card: means the virtual or physical immediate debit card assigned to any User, allowing him to pay online or in store, within the limits of the authorized limits and provided that the User's Account has sufficient provision.
- GCU: General Terms and Conditions of Use.
- Chatbot: it is a conversational agent that allows you to manage a bank account: from the creation of the account to the generation of the virtual bank card or the request for the physical bank card, the information relating to the account (balances, reloads, etc.). It also allows you to pay your water, electricity, television (TV) bills and the transfer of money from aPaySika account to another electronic money account.
- Personal Data: means any information relating to an identified or identifiable natural person (hereinafter referred to as "data subject"); 'identifiable natural person' means a natural person who can be identified, directly or indirectly, in particular by reference to an identifier, such as a name, an identification number, location data, an online identifier, or to one or more factors specific to his or her physical, physiological, genetic, mental, economic, cultural or social identity.
- Minor: refers to any non-emancipated person, under 18 years of age (age may vary from one country to another, in this case, it is the local age that counts) on the date of registration on the Site.
- Payment Transaction: means any action consisting in the payment, transfer or withdrawal of funds, regardless of any underlying obligation between the payer and the payee, initiated by the payer, or on his behalf, or by the payee.
- PaySika: refers to PaySika CAMEROON simplified joint-stock company with a capital of 5 million FCFA, whose registered office is located in Douala, Rue Drouot, Akwa, BP 15027 Douala registered with the Douala Trade Register under number: RC/DLN/2022/M/1064,
- Service: refers to the services offered by the Company on its Site or via its Application.
- Site: refers to the Company's website accessible via the url
- User: refers to any person who has registered on the Site and uses the Company's Services.

Updated on: 07/08/2023

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