These General Terms of Service ("Terms") govern your access to and use of the MySwiftBill payment collection platform ("Platform", "we", "us", or "our").
By creating an account or using the Platform, you agree to these Terms. If you do not agree with these Terms, you must not use the Platform.
MySwiftBill provides businesses and merchants with tools to request and receive payments from their customers. The Platform may allow merchants to:
The Platform does not guarantee that every payment method, payment network or financial institution will always be available.
To use the Platform as a merchant, you must:
If you register on behalf of a business or organisation, you confirm that you have authority to act on behalf of that business or organisation.
You are responsible for maintaining the security of your account and login credentials. You must:
You are responsible for activity conducted through your account unless you have notified us of unauthorised access and we have had a reasonable opportunity to take appropriate action.
You must not sell, transfer, rent or otherwise provide your merchant account to another person or business without our prior approval.
Before or during the use of the Platform, we may require you to complete identity and business verification procedures. We may request information including:
You agree that all information provided to us must be accurate, complete and current. We may refuse, restrict or suspend access to the Platform where required verification is incomplete or information cannot be satisfactorily verified.
Merchants may create payment links or QR codes by specifying the amount they wish to collect. The merchant is responsible for ensuring that the amount entered is correct before sharing the payment link or QR code with a customer.
A payment link or QR code does not by itself constitute confirmation that a payment has been made. Merchants should rely on the payment status displayed within the Platform before treating a transaction as successfully completed.
Payments are processed through supported payment providers, banks, mobile money operators, card networks or other payment partners. We may rely on third-party payment providers to process transactions.
A payment may be pending, successful, failed, reversed, cancelled or refunded. The exact payment status displayed by the Platform will determine the status recognised by our system.
We are not responsible for delays, failures or interruptions caused by third-party financial institutions, payment networks, telecommunications providers or other external service providers, except where liability cannot legally be excluded.
Successful payments may be settled to the merchant's designated settlement account according to the applicable settlement schedule. Settlement times may vary depending on:
We may delay or restrict settlement where reasonably necessary to investigate suspected fraud, financial crime, payment disputes, regulatory issues or other risks, subject to applicable law.
The fees applicable to merchants will be communicated through the Platform, pricing page, merchant agreement or other applicable communication. We may charge fees for payment processing, settlement or withdrawals, and other optional services.
We may change our fees by providing reasonable notice where required. Any applicable taxes, government charges or third-party fees may be payable in addition to our stated fees where applicable.
Merchants are responsible for resolving disputes relating to the goods or services they provide to their customers. Where applicable, merchants may be required to process refunds in accordance with our procedures and the rules of the relevant payment provider or payment network.
A payment being marked as successful does not necessarily prevent a payment from later being reversed, disputed or subject to a chargeback or other adjustment.
We may deduct amounts relating to refunds, reversals, chargebacks, disputes, fees or other legitimate adjustments from amounts payable to the merchant where permitted.
You must not use the Platform for unlawful, fraudulent, deceptive or abusive activities. Prohibited activities include, but are not limited to:
We may suspend or terminate accounts associated with prohibited activities.
We may monitor merchant accounts and transactions to detect fraud, money laundering, terrorist financing and other financial crime risks. We may:
Our Anti-Money Laundering Policy and KYC Policy form part of the compliance framework governing use of the Platform.
We may temporarily restrict or suspend your account where:
Where appropriate and legally permitted, we may provide notice of the reason for a restriction.
You may request to close your merchant account at any time, subject to completion of outstanding transactions, disputes, refunds, compliance reviews and other obligations.
We may terminate or suspend your account where you breach these Terms or where continued access presents legal, regulatory, financial, fraud, security or reputational risks.
Termination does not automatically eliminate obligations that arose before termination.
We aim to provide reliable and continuous access to the Platform but do not guarantee that the Platform will always be available. The Platform may occasionally be unavailable due to maintenance, software updates, technical failures, network interruptions, third-party service outages, payment network interruptions, security incidents or events outside our reasonable control.
We will make reasonable efforts to restore services when interruptions occur.
You are responsible for:
MySwiftBill is a payment collection platform and does not assume responsibility for the merchant's underlying goods, services or contractual relationship with its customers.
All rights, title and interest in the Platform, including its software, branding, designs, interfaces, logos and other materials, belong to MySwiftBill or its licensors. You may use the Platform only for its intended purpose.
You must not copy or reproduce the Platform, reverse engineer it, attempt to gain unauthorised access, modify or distribute Platform software, or use our trademarks without permission.
We collect and process personal and business information in accordance with our Privacy Policy and applicable data-protection laws. By using the Platform, you acknowledge that information may be processed for purposes including account creation, identity verification, payment processing, fraud prevention, AML compliance, transaction monitoring, customer support, security and legal/regulatory compliance.
The Platform may integrate with third-party services, including banks, mobile money providers, payment processors, identity-verification providers, telecommunications providers and other technology providers.
Your use of third-party services may also be subject to their respective terms and policies. We are not responsible for third-party services that are outside our reasonable control.
To the extent permitted by applicable law, MySwiftBill will not be liable for indirect, incidental, special or consequential losses arising from your use of the Platform. This may include losses resulting from:
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.
To the extent permitted by law, you agree to indemnify and hold MySwiftBill and its officers, employees and service providers harmless from claims, losses, liabilities, damages and expenses arising from:
We may update these Terms from time to time. Where changes are material, we will provide reasonable notice through the Platform, email or another appropriate communication channel.
Your continued use of the Platform after the effective date of updated Terms constitutes acceptance of the updated Terms, to the extent permitted by applicable law.
These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Ghana, unless otherwise required by applicable law.
Any disputes arising from these Terms shall be handled through the courts or other dispute-resolution mechanisms having appropriate jurisdiction in Ghana.
If you have questions, complaints or concerns regarding these Terms or the Platform, contact us:
By creating an account or using MySwiftBill, you confirm that:
Last Updated: August 13, 2026