Welcome to ZuumPay (www.zuumpay.com). Kindly find below the terms and rules that governs our payment community with the use of our applications (mobile and web), and all financial services here in. for any concerns, complaints, enquires or need of support, write us at [email protected] and to comment or communicate with us regarding operation in your location or need of any additional services, write us at [email protected].

These terms are a binding contract between ZuumPay Inc. (www.zuumpay.com and applications) and her users (here in referred to as users, clients, or merchants). By signing up for a ZuumPay account, you are accepting to user our applications, services and thus agreeing to the below listed terms as presented by ZuumPay Inc.

With increase in technology, we keep looking for easier, secured, fast, and advance services for your day to day financial use. ZuumPay therefore reserves the right to change, add, and update these terms to tailor the ever increasing improvements and additional services offered both now and in the future.

We will constantly update you on the updated terms of using ZuumPay and its services. Should any terms in anyway be unacceptable to you, please feel free to contact us at [email protected] and our legal team will get you, and if it’s beyond our control to tailor a need for your singular consumption, then we will be sorry to see you stop using ZuumPay and associate services.

Every terms needed to consume ZuumPay services is herein listed, any modification (s) to be done will only be done by the legal team of ZuumPay Inc. and ZuumPay alone.

ZuumPay Inc Services;

ZuumPay is a global cashless payment and borderless financial solution. ZuumPay offers the following services to ZuumPay Agents (MasterAgent and ZuumAgents);

  • Sell ZuumCash
  • Deposit
  • Withdraw
  • Last Agents
  • Pay Bills
  • Sell Crypto Currencies

Standard Tasks of ZuumAgents

  • Refer and Register ZuumPay Clients
  • Deposit cash into verified clients ZuumPay accounts
  • Process cash withdrawals for verified client accounts
  • Do cash delivery to clients in low risk areas only (optional)
  • Process cash withdrawals for non-registered Users
  • Customer Education
  • Compliance with ZuumPay Regulations and Business practices
  • Exchange (Sell and Buy) crypto currencies.

These services will be operated on the ZuumPay Network (made up of mobile and web applications, POS systems and Over the counter Payment systems OCT).


ZuumPay offers two classes of agent levels; MasterAgent and an ZuumAgent. Below is the cost and requirements of ZuumAgents;

  1. Master Agent Requirement;
    • A Master Agent must have a registered company (LIMITED) that has existed for a period not less than 3 months.
    • Must have physical permanent or Semi-Permanent premises from which to operate, Counter Layout.
    • Photocopy of Certificate of Incorporation
    • Photocopy of Certified Memorandum and Articles of Association
    • Company Bank Statement
    • Photocopy of Valid I.Ds of all Directors (making at least 50%) shareholding.
    • Map and Photos of the Agent Premises.
    • Official email and phone contacts
    • Proposed outlets will be inspected by the ZuumPay regional account representatives prior to commencement of business
    • The agent should preferably employ 3 competent staff to manage the day to day operations of the outlet and 5 foot soldiers to support ZuumPay registrations.
    • Smartphone and Internet source
    • Computer and Photocopying machine
    Cash Investment
    1. Activation Fee: FCFA 15,000
    2. Startup Kit: 50,000 FCFA/=(2 Month Internet, 5 ZuumPay T-Shirts, 3 Price Poster)
    3. Minimum Float deposit of 5,000,000 FCFA
    4. Minimum float balance of 750,000 FCFA
    5. Minimum Cash Balance of 1,000,000 FCFA
  2. ZuumPay Agent
    • Must have physical permanent or Semi-Permanent premises from which to operate, Counter Layout.
    • Letter of Introduction from the Local L.C
    • Passport photograph of Agent(s)
    • Photocopy of Valid I.D of Agent(s).
    • Map and Photos of the Agent Premises.
    • Smartphone and Internet source
    Cash Investment
    1. Minimum Float deposit of 350,000 FCFA
    2. Minimum float balance of 150,000 FCFA
    3. Minimum Cash Balance of 100,000 FCFA


We continue to look for better, easy and more innovative ways to serve our users, this will require that we update and change certain services to meet our vision and mission. ZuumPay Inc. reserves the right to add, suspend, innovate, or change a service or its operation. We will notify you before any such changes are made so as to not let you be surprised.


Privacy Statement

The only personal information we collect from you are that which fulfils or Know-Your-Customer (KYC) requirements. Yu can access your account at any time without contacting us and only provide your information when we need to correspond with you for execution of our services. Our software uses a tracker to locate from where you’re using our services, number of visitors on the site, and their internet provider. These results are aggregated and are not used in the form which could lead to identify individuals.

Every data collected within our sites (personal) will not be shared, sold or made available to any third party provider with exceptions to special circumstances; such as when required by both local and international law, or when necessary for proper execution of ZuumPay services and can request the removal or delete your account at any time.


During the use of our services in performing different transactions attributed to your particular requirements, once you’ve confirmed the transaction with your unique 5 digit PIN, ZuumPay is not liable for any damages of any kind whatsoever arising from the use, incompleteness or inaccuracy of the information and data you input during transactions.


You agree that these Terms are governed by and will be construed under the laws of the State of TEXAS, without regard to the conflicts of law’s provisions thereof. You also agree that any dispute arising from or relating to the subject matter of these Terms shall be finally settled in Natrona County, Wyoming in English, in accordance with the Streamlined Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. ("JAMS") then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction.


We make no representation that the Website and Applications operates (or is legally permitted to operate) in all geographic areas or that the Website, Applications, or information, services or products offered through the Website are appropriate or available for use in other locations. Accessing the Website from territories where the Website or any content or functionality of the Website or portion thereof is illegal is expressly prohibited. If you choose to access the Website, you agree and acknowledge that you do so, on your own initiative and at your own risk and that you are solely responsible for compliance with all applicable laws.