Legal Agreement

Terms & Conditions

Last Updated: 6/3/2026

1. Introduction

Welcome to PAYDIRECT. These Terms and Conditions govern your use of our digital payment application. By accessing our platform, you enter into a legally binding agreement with Softmasters Company Limited.

2. User Eligibility

Age

Must be 18+ or the age of legal consent in your region.

Accuracy

You must provide truthful and verifiable personal information.

Legal Status

Must not be prohibited from using financial services.

3. Account Registration & Security

  • 1Users must register to access full payment features.
  • 2You are solely responsible for the confidentiality of your PIN and login credentials.
  • 3We reserve the right to suspend accounts suspected of unauthorized activity.

4. Payment Processing

Transactions are subject to approval by partner financial institutions. PAYDIRECT acts as a facilitator and is not liable for delays caused by third-party banking systems or external network failures.

5. Fees & Charges

Fees are clearly disclosed before you confirm any transaction. We reserve the right to update our fee structure, providing prior notification via the App.

10. Dispute Resolution

Disputes should first be reported to our customer support. Unresolved cases may be escalated to arbitration or the appropriate regulatory bodies in your jurisdiction.

15. Cookie Policy

We use cookies to enhance security and user experience. Disabling cookies may limit your access to certain secure features.

View Full Cookie Policy

Legal Contact

Official correspondence regarding these terms should be directed to Softmasters Company Limited.

Global Headquarters

Financial District, Accra, Ghana

legal@paydirect.com