Terms and Conditions

Last updated: January 2026

1. Acceptance of Terms

By creating an account on Z9Pay, you agree to abide by these terms. If you do not agree, please do not use our services.

2. Service Delivery

Z9Pay provides VTU (Airtime/Data) and Utility payment services. While we strive for instant delivery, network delays from service providers may occasionally occur. Transactions are considered final once processed.

3. Credit Wallet & Debt Repayment

            Important: Usage of the "Credit Wallet" constitutes a formal agreement to repay the borrowed amount.
        

Access to credit is subject to KYC approval.
Users must repay outstanding debts before they can delete their accounts.
Z9Pay reserves the right to suspend