1. Acceptance
By creating an account, installing the app, or using VycePay, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the service.
2. The service
VycePay provides a digital wallet experience for Kenya, including deposits, transfers, merchant and bill payments where enabled, statements, and VyceScore. Features may roll out in controlled pilot batches (including Mombasa) and may change as we improve the product.
3. Eligibility & KYC
- You must be able to form a binding contract under Kenyan law (generally 18+).
- You must provide accurate National ID (or other accepted ID) and complete biometric / liveness verification when asked.
- We may refuse, suspend, or limit accounts that fail KYC/AML checks or present fraud risk.
- You must keep your registered mobile number and email reachable and up to date.
4. Wallet & payments
- Balances and settlement run through Choice Bank and partner payment rails (for example M-PESA, Airtel Money, Till, Paybill, Pesalink) subject to their rules and availability.
- You authorize us and our partners to process instructions you confirm in the app (including OTP where required).
- Transaction status in Activity is authoritative for VycePay; rail confirmations may take additional time under network conditions.
- Failed transfers should not leave your wallet permanently debited; contact support with the reference if a PENDING state lasts longer than expected.
- You are responsible for checking recipient details before confirming. Incorrect numbers or Till/Paybill entries may be irreversible once settled.
5. Fees
Fees are shown on the review screen before you confirm. SME processing is designed to stay at or below the published cap (currently 1.5% where that product applies). Small P2P transfers may be free where the product allows. Partner or rail fees may apply separately.
6. Security
- Protect your device, PIN, and OTP. Never share them — including with people claiming to be VycePay staff.
- VycePay will not ask for your PIN or password by phone, SMS, or email.
- Report lost devices or suspected unauthorized activity immediately to support@vycepay.com.
7. VyceScore & credit
VyceScore reflects activity on VycePay. Any credit or working-capital offer is subject to partner underwriting, eligibility, and separate terms shown at acceptance. An in-app indication is not a guaranteed loan.
8. Limits & liability
- The service is provided on an “as available” basis during the pilot. We aim for reliability but do not warrant uninterrupted access.
- To the fullest extent permitted by Kenyan law, VycePay is not liable for indirect or consequential losses, or for delays or failures of third-party rails or Choice Bank systems beyond our reasonable control.
- Nothing in these Terms excludes liability that cannot be excluded under Kenyan law (including for fraud or death/personal injury caused by negligence where applicable).
- We may update these Terms; the effective date will change. Continued use after notice means you accept the update.
9. Contact & disputes
Support: support@vycepay.com · General: info@vycepay.com · Web: vycepay.com
These Terms are governed by the laws of Kenya. Courts of Kenya have jurisdiction, without limiting any mandatory consumer rights you may have.