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These General Terms and Conditions of Use of PaySika – Ecobank Cameroon Virtual or Physical Prepaid Card Payment Services and temporary cards of other financial partners hereinafter referred  to as “Terms or Terms”  mentioned herein and the additional conditions will govern your access to the website hereinafter “Website”, the mobile, web, chatbot application and the use of services related to the PaySika bank card.

The purpose of the conditions is to define the terms and conditions of access to the Services, in particular, the provision of a credit card for any type of purchase that requires electronic payment, a Chatbot, a mobile application and a web application to track your expenses, view your PaySika prepaid bank card(s), pay telephone credit,  transfer money to another user’s card/bank account. The mobile application also allows you to pay at a physical merchant. is a website published jointly by PaySika Holding SAS and PaySika Cameroun SAS. PaySika Holding SAS is a simplified joint-stock company with a capital of 1201 euros, whose registered office is located at 118 Route de Narbonne, registered with the Toulouse Trade and Companies Register under number 881 936 744.

PaySika CAMEROUN SAS (hereinafter PaySika) is a simplified joint-stock company with a capital of 5 million FCFA, whose registered office is located in Douala, Rue Foch, Akwa, BP 15027  Douala registered in the Trade and Property Credit Register near the Registry of the Court of First Instance of Douala Ndokoti, under number No.: RC/DLN/2022/M/1064,  represented by Mr. NENGWE NTAFAM Roger, its President, duly authorized for the purposes hereof and their follow-up.

PaySika CAMEROUN SAS operates as a Distributor Agent of Ecobank CAMEROON SA, whose registered office is located at Immeuble Champagne Plaza, rue Ivy French Bonanjo, B.P 582 Douala, and registered with the Trade and Property Credit Register under number DLA/2000/B/025516, which is a credit institution,  main member of the VISA card association and duly registered and authorized to issue cards on Cameroonian territory.

PaySika is a startup that allows to internationalize mobile money solutions (Airtel Money, Mobicash, Orange Money, Moov, etc.) present in French-speaking Africa and to digitize cash so that as an account holder with us you can:

These general conditions of use and the additional conditions apply exclusively between PaySika and any User of its Services, whether the Use occurs via the Site, the Chatbot or the Mobile/Web Application. The Services are exclusively reserved for Users, to the exclusion of any other person. Any Use of the Services automatically implies the application and full acceptance of these Terms, in their version in force on the date of Use.

PaySika reserves the right to freely update and modify, at any time, the GTCU, after having previously informed the Users. Any User who refuses the new version of the GTCU from their date of entry into force will then be required to cease the Use of the Services. Any modification will take effect from its publication on the Site and will only apply to Users using the Services after its entry into force. PaySika reserves the right to supplement the GTCU with any special conditions or other document, having contractual value, subject to informing Users in advance before their entry into force.

By creating and using a PaySika Account (as defined below), you accept and agree to comply with these Terms and Conditions. If you do not agree with any of these Terms of Service that would apply to you (or if you do not have the right to bind the company or other business entity you represent), you are not authorized to access or use the Services, and you should not accept these Terms of Service.

Where applicable, it is your responsibility to ensure that your employees or other representatives using the Services on your behalf have read, understood and agree to be bound by these Terms of Use and any Additional Terms.

It is important that you understand the risks and responsibilities associated with using the Services, and you should read these Terms of Service carefully before accepting them and beginning to use the Services.

If you have any questions or concerns about the content of these Terms of Use or if you would like to better understand how our Services work, please do not hesitate to contact us.

  1. Definitions

The website is accessible to any individual authorized by the law in force wishing to benefit from the services offered by PaySika as presented in these conditions.

Registration takes place in two stages:

a) To complete a detailed form containing Personal Data, in particular, the surname(s), first name(s), date and place of birth, address and country of residence, mobile phone number on which you have a Mobile Money account and personal email, Your NIU (Unique Identifier Number), your proof of income and, where applicable, the User’s profession; in the event that the User is a Minor, the form must include the contact details of one of his legal representatives who will ensure the use of this account.

(b) To provide a copy of both sides of an identity document accepted and recognized by the Cameroonian authorities (national identity card, residence card, passport, refugee card, etc.);

c) Take a “selfie” (self-image) with the pieces in hand.

PaySika offers its Users a sponsorship system allowing them to obtain a sum of 1000 FCFA (in addition to the first free default card) for the benefit of the sponsor, subject to compliance with certain conditions by the sponsor and the sponsored person, which are as follows:

The number of sponsorships is unlimited.

PaySika reserves the right to terminate the sponsorship at any time or to modify the conditions and amount, which the User acknowledges and accepts. If PaySika is led to notice irregularities of a User in the context of the sponsorship, it will have the right to take all appropriate measures to put an end to these irregularities, including the suspension or closure of the Account of the Users concerned.

You must not misuse the Site and/or Services by knowingly or negligently introducing viruses, worms, Trojan horses, logic bombs or any other malicious or technologically harmful components. You must not attempt to gain unauthorized access to the Site and/or Services, the servers on which the Site or Services are hosted, or any other server, computer or database connected to the Site and Services. You must not attack the Site through an attack or fraudulent transactions with multiple accounts by denial of service or a distributed denial-of-service attack.

Violation of these conditions is punishable by law. We may report such a breach to the appropriate authorities and we will cooperate with those authorities by disclosing your identity and other data related to your account. In the event of such a violation, your rights to use the Site and Services will be immediately revoked.

We are under no obligation to monitor or moderate a user’s activity or use of the Site, however we reserve the right, at any time, to monitor, retain and disclose any information necessary to meet the requirements of applicable law, regulation, legal process or as requested by regulatory authorities,  to ensure proper use of the Services and compliance with our Terms and Conditions or to investigate any suspected breach.

4. Services offered

PaySika offers the services mentioned below to its Users. At any time, these may be supplemented and/or amended.

4.1. PaySika Card Account

 4.1.1. Presentation

The PaySika Account is a payment account in FCFA, without overdraft authorization that reflects the balance on the card. The Account is linked to a mobile/web application, chatbot. For each PaySika account, the user can automatically generate two PaySika bank cards (virtual or physical). To have a new card, the user will be obliged to delete a bank card to replace it.

The PaySika bank card allows the following operations:

• Payments by card;

• Issuing money transfers to or from a PaySika card, to other PaySika cards or to an electronic money account;

• Receiving money transfers;

• Recharge of his card by deposit (via the User’s Mobile Money account) or by bank transfer to the PaySika card account (not yet operational).

4.1.2. Account opening

The account is accessible to adults, minors subject to the agreement and control of their legal representatives with regard to the latter. The opening of the Account requires compliance with the following conditions:

• Be at least 18 years old at the time of account opening;

• Communicate the information requested on the Site or the Application;

• Create a secure username and password;

• Transmit all requested documents (e.g. valid national identity document or passport, unique identifier number (  UIN) issued by the tax authorities);

• Have a mobile phone number associated with a mobile money account;

• Be resident in one of the countries of the CEMAC zone;

• Accept these Conditions which are an integral part of the contract that binds the user to PaySika.

4.1.3. Operation of the account

The Card Account can be managed via the Chatbot or the Mobile/Web Application. Its balance is the difference between credit and debit transactions. He must always be a creditor, under penalty of refusal of payments or withdrawals presented. In the event that a transaction is presented, accepted by PaySika but would have the effect of overdrawing the account, the User will be required to fund the account without delay and fees for lack of funds may be applied by PaySIka. All PaySika account operations will be the subject of a real-time history, accessible via the web/mobile Application or via the chatbot. A full summary of overall spend is also available on the app. Except for maintenance, the PaySika account is accessible 24 hours a day, 7 days a week, by means of a two-factor authentication system in accordance with the regulations in force. In case of a long maintenance period, a temporary card may be generated by the user. Since the temporary card comes as an alternative means for PaySika users, they are therefore free to accept or refuse the different conditions of its use. Under the conditions, we have the price of the card, the transaction fees, the type of credit cards, the reload fees, the validity time of the card etc.) . You will have the ability to see transactions in real time for different cards generated.

In addition to checking the balance, the PaySika Account allows the following operations to be carried out:

• Payments with the card,

• Issuing money transfers from or to a PaySika card, to other PaySika cards or electronic money account,

• Receiving money transfers,

• Recharge of his card by deposit (via the User’s Mobile Money account) or by bank transfer to the PaySika card account.

• Payment of water and electricity bills,

• Phone credit top-up,

• Implementation of all notifications and alerts,

• Management of the Card (in particular, any opposition, blocking on it or blocking unblocking the Card),

• Implementation of direct debits from the Account,

• Updating personal information,

• Communication of identification documents,

• Contacts with the PaySika team, all payment transactions on the PaySika Account are initiated by the User, via the Application or the Chatbot, and processed by PaySika.

4.2. Payment Services

4.2.1. Money transfer

Two users who have a PaySika card can make a money transfer from card to card. For this, there are two approaches:

(a) Using the QR Code:

– Simply scan the unique QR code of the user to whom you want to send money, then enter the amount of the transfer, and finally, validate. If everything is correct, the user receives a confirmation of the sending.

b) By using the phone number of the other PaySika user

– With this approach, simply enter the amount of the transfer, then enter the PaySika phone number of the person to whom you are sending money, and finally, validate.

All the steps to follow are indicated in the application. PaySika card-to-card money transfers are free of charge.

4.2.2. Map

The PaySika card is a personal prepaid debit card of the VISA type subject to systematic authorization and immediate debit. VISA cards are issued by Ecobank CAMEROON. You have access to a virtual or physical payment card.

The first virtual card is free and other virtual cards may be subject to a cost that is set forth in these Terms of Use.

The physical card is free, however logistical costs apply and are defined in these Terms.

The Card allows you to make any payment, locally or internationally, in store or online. These payments are subject to fixed and percentage costs given and collected by PaySika and stipulated herein, excluding exchange fees.

The physical card allows withdrawals/payment locally or abroad, subject to

(i) that the PaySika account is funded before payment or withdrawal and remains so after and (ii) any exchange fees in case of payment / withdrawal in foreign currency.

Fees are also applicable after a certain number of withdrawals locally or abroad with his physical card and are indicated in the T&Cs.

When making payments, withdrawals in foreign currencies, PaySika applies a conversion rate (provided by the card network) which may result in a regularization on your PaySika account post-operation (either a debit or a credit).

Online payment is made by entering the card number, expiry date and CVV (Card Verification Value). The CVV must never be communicated or shared with a third party under risk of being hacked, and PaySika can in no way be responsible for any consequences that may occur. The user can delete a card and generate a new one at any time, knowing that obtaining new cards may be charged to the user under certain conditions stipulated in the GTCU.

Physical or virtual card information must be kept secret, so the user is responsible for them and will have to assume the consequences related to the negligence of his information. If the user uses his card to register on a website that must debit amounts on specific dates, he must make sure to have the sufficient amount on his card for the transaction to be carried out without worries.

In case of theft or loss or fraudulent use of the physical card, any cardholder is required to deactivate his card via the chatbot, the mobile application, web and oppose without delay via the PaySika application and by phone (at number xxxxxxxx). Payments made via this card before opposition remain the responsibility of the holder if they were made with the composition of the secret code or in the event of fraudulent actions of the holder or negligence of the latter.

  1. Levy

PaySika cards can be used for purchases that require recurring direct debits.

PaySika reserves the right, however, to refuse to honor any debit that may arise in the event that the PaySika Account is insufficiently funded.

For two direct debits with insufficient balance results, PaySika has the right to block the user’s card, and the user can unlock it by contacting customer service via the mobile application. He will therefore have to pay the fees for unblocking his card as provided for in these Terms.

  1. QR Code

All Users of the mobile application have a unique QR Code. The latter is used to make a money transfer from card to PaySika card.

4.2.3 Use of VISA cards

  1. Purpose of the map

The Visa prepaid debit card allows its holder to make cash withdrawals from ECOBANK CAMEROON’s Automated Teller Machines (ATMs), ATMs and ATMs of other banks or credit institutions affiliated with the Visa International network.

The prepaid debit card allows its holder to pay for purchases of goods or services from merchants and service providers with Electronic Payment Terminals (EPS) approved by Visa International.

These operations can be carried out both in CAMEROON and abroad with banks, subject to compliance with the exchange regulations in force in the CEMAC zone on the one hand, and the availability of a sufficient balance on the other hand.

PaySika will issue a Card in the name of the applicant, referred to herein as the “Cardholder”. The card will bear the VISA logo, the ECOBANK logo, and the PaySika logo.

It is understood that the holder is  entitled to only one physical card, will use it in his name, and under the terms of these Terms. Ownership of the card is non-transferable and remains with PaySika.

The cardholder receives a 4-digit PIN code when they obtain their physical PaySika card. This code is requested when using the card on ATMs, ATMs and TPEs. The cardholder uses his password or access PIN to the application created when opening his account in the PaySika application, to access his account electronically. For the moment, the user will have to keep this code carefully because it can not be changed or modified.

The cardholder must keep these codes and passwords secret. They must not be written on the card or on any other document. He must make sure to enter his PIN code away from prying eyes. This code is essential in the use of ATMs, ATMs and TPEs designed in such a way that no operation can be carried out without the implementation of this secret code. The number of successive attempts to dial the secret code is limited to 3 (three) on these automatic devices, with the risk of confiscation or temporary invalidation/invalidation of the card on the 3rd unsuccessful attempt. In case of temporary blocking, if the cardholder initiated the tests, he can unlock the card in the PaySika app.

The prepaid card can be used in CAMEROON as well as abroad for cash withdrawals at ECOBANK counters or any other institution affiliated to the VISA network within the limit of the available balance of the cardholder’s electronic account.

The cardholder must enter their PIN and the desired amount.

Withdrawals are possible within the limit of a ceiling. They are subject to transparent fixed pricing as described herein.

Each time the card is used, the available value is reduced by the amount of the transaction, fees (if applicable) and commissions.

The prepaid card is a means of payment that should only be used to pay for purchases of goods and services actually made.

The cardholder is responsible for any invoice bearing his signature, provided proof of the sale or service is established by the merchant or service provider.

PaySika remains unaware of any commercial dispute relating to the payment transaction, which may arise between the cardholder and the merchant or service provider.

The existence of such a dispute can in no way justify calling into question the payments made by the cardholder.

An identity document may be required by the merchant or service provider

The payment order given by means of the card is irrevocable. Only oppositions expressly motivated by the loss, theft of the card, fraudulent use of the card, the opening of collective proceedings against the beneficiary or any other circumstance provided for by the regulations in force are admissible by PaySika.

The cardholder must immediately declare the loss, theft of his card, the removal of it by a member of his family or the opening of collective proceedings against the user. This declaration must be made by telephone, telex, telegram, mobile/web application or chatbot at the service of PaySika.

The opposition made by simple telephone call to the service of PaySika is admissible and produces the same effects as the written opposition. The customer, if applicable, must specify the last 6 digits of his card number and its validity date.

However, to be valid, any opposition that has not been the subject of a signed declaration (handwritten or electronic) by the holder must be immediately confirmed within a maximum period of twenty-four (24) hours following the opposition request, by letter accompanied by all supporting documents submitted against discharge or sent by registered mail to PaySika’s registered office.

In case of loss or theft, PaySika will issue, at the expense of the owner, a new card without this resulting in a modification of the terms of this contract.

The cardholder is responsible for the use and retention of the card, as well as the resulting financial consequences.

Upon receipt of an opposition made under the conditions provided for above and with the exception of transactions made by him, the responsibility of the cardholder is released for all operations carried out after the opposition and provided that they have not been carried out by a family member or close friend of the cardholder.

Principle: The Cardholder is responsible for the use and retention of his/her Card and PIN and shall use it in accordance with the terms specified herein. He assumes as indicated below:

– The consequences of using the card as long as he has not objected under the conditions provided for above.

– Operations carried out before opposition: They are the responsibility of the customer regardless of any fault or imprudence on his part.

-Transactions carried out during the opposition period: They are the responsibility of PaySika with the exception of transactions carried out by the cardholder, a relative of his, a member of his family or his agent

  1. Period of validity of the card, renewal, withdrawal and return of the card

The card is valid for three (03) years from the date of issue. It is renewable at maturity at the request of the cardholder subject to payment of the cost of the card.

PaySika will issue a new card if necessary in case of renewal, loss or theft without this resulting in a modification of the terms of this contract.

PaySika may at any time withdraw the card or suspend the right to use the card without prior notice in case of misuse or fraudulent use of the card.

The decision to withdraw shall in all cases be notified to the cardholder. The cardholder therefore undertakes to return it at PaySika’s first request. He engages his responsibility if after notification of the withdrawal of the card, by simple letter, SMS or email, he continues to use it.

The cardholder may terminate this contract at any time through the mobile, web or chatbot application.  He undertakes to return the card in the event of termination.

The cardholder may request a refund of the available balance from PaySika for a refund fee.

The holder of the card and/or account has the possibility to lodge a complaint in writing, if possible by presenting the ticket of the disputed transaction, and this within a maximum of 120 days, from the date of the disputed transaction. Both parties agree to take the best care in informing each other of the conditions of execution of the operation. The information or documents, or their reproduction, that PaySika holds and which relate to the operations referred to in this contract must be kept for one year by PaySika. They will be produced no more than 45 days after the request of the cardholder and/or account. In the event of a justified complaint, the situation will be rectified.

PaySika reserves the right to communicate to the competent authorities information concerning the account holder(s) in the event of abusive or fraudulent use thereof. The holder of the cardholder account authorizes PaySika to disseminate or have disseminated to merchants and financial institutions, technical organizations interested in the use of the card, the information appearing on the latter if it is lost or stolen (as well as their address if the card was used fraudulently).

Any abusive or fraudulent use of the card as well as any false declaration is subject to the penalties provided for by law. Any misrepresentation or misuse of the card may also result in the loss of the benefit of the provisions hereof.

4.3. Entertainment Offers

In addition to the payment services referred to above, PaySika regularly offers its Users the opportunity to take advantage of commercial offers from its partners: discounts at restaurants and fast food, tickets for concerts at reduced prices, participation in events, etc.

In order to offer ever more personalized offers compatible with the interests of its Users, PaySika carries out analyses of its Users’ data, anonymously, in order to identify their tastes and interests, to initiate targeted marketing operations and negotiate benefits with its partners in the interest of Users, which the latter expressly acknowledge and accept,  subject to their rights in relation to personal data.

5. Prices

The opening of the account and access to the services offered to Users are free unless specifically stipulated otherwise. Obtaining the first virtual card is free. If the user wants another virtual card, it will be free if he has referred someone and provided that the latter validates his registration and identifies himself. Otherwise, it costs 1000 FCFA.

The physical card costs 5,000 FCFA and you are delivered to relay points or at home with additional fees depending on the distance.

Payments made with PaySika cards are charged up to 01% of the transaction amount excluding exchange fees.

Withdrawals from the PaySika card to other electronic currencies are free for the 01st withdrawal. Beyond that, the user may be subject to a fee of 02% of the amount of the transaction he wishes to carry out.

Overall, all paid services are expressly mentioned when subscribing. In the event of the implementation of paid services or changes to the free use of the current Services, PaySIka will inform Users and publish on the site and the Application, its price guide, which will be accessible at any time on the site and the Application.

6.Account protection

If you choose or are assigned a password or any other information related to our security procedures, you must treat such information as confidential and not disclose it to any third party.

You are responsible for maintaining the confidentiality of your password and will be held fully responsible for all actions performed under your username with your password. Any username and password chosen by you or assigned to you to access the Services are for your personal use only and are not transferable. We recommend that you disable any automatic saving of passwords or access PINs in your browser or phone before using the web or mobile application. This will help limit the risk of unauthorized use of your Account for you.

You agree to:

(a)  notify us immediately of any unauthorized use of your username (email address or phone number) and/or password, or any other breach of security; and

(b) ensure that you log out of your Account at the end of each session. We shall not be liable for any loss or damage resulting from your failure to comply with this clause.

If you forget or lose your password, application access PIN or Account information, you can reset this easily in the application. In the event of a significant difficulty, please contact us, and we will use all reasonable commercial diligence to suspend your Account (if necessary) once you have notified us of the loss of information related to it, but you will remain solely responsible for all transactions made on your Account prior to its suspension. If we have reason to believe that there is a security breach or misappropriation of your Account, we may ask you to change your password, PIN or registration information or we may suspend or close your Account without prior notice.

We have the right to disable, suspend or restrict your username or password, whether chosen by you or assigned by us, at any time in our discretion, including if, in our opinion, you have failed to comply with any of the provisions of this Agreement.

You may not:

(a) use a name or similar information without adequate authorisation. We accept no liability for damages resulting from unauthorized use of our Site and/or Services, whether fraudulent or otherwise. We reserve the right, in our sole discretion, to refuse the registration of a username, suspend or cancel it, without prior notice. You can refer to the privacy policy for more details by clicking HERE

The Services offered are accessible through a chatbot available on Facebook, Whatsapp and Telegram, the Mobile and Web Application, subject to prior registration, following the procedure provided for this purpose. The Site is accessible at the following address:

The Application is available on the Google Play Store and the App Store, which require the use of a username and password specific to the User. The use of the Application requires a smartphone or tablet, connected to the internet. PaySika can in no way be held responsible for difficulties downloading the Application from the Google Play Store or the App Store. Access to the Services also requires the User’s acceptance of the PaySika Contract, for which these GTCU form an integral part  thereof, as well as any annexes, which are subject to = the agreement at the time of registration.

PaySika reserves the right to suspend at any time and temporarily the Application or the Chatbot in order to update them or any maintenance operation, without this temporary suspension of the Services engaging its responsibility. In order to limit any inconvenience for Users, PaySika will notify Users of any maintenance operation prior to it.

7. Warranties and Responsibilities

  1. Principles

PaySika makes its best efforts to make the Application, the Chatbot and the Site available at all times, throughout the year. PaySika is subject to an obligation of means under the Services offered, to the exclusion of any obligation of result.

PaySika does not grant Users any guarantee of availability of the Chatbot, the Site and the Application and cannot be held liable in the event of suspension, interruption, access difficulties or unavailability of the Site, the Chatbot or the Mobile or Web Application. PaySika also declines all responsibility for any loss of data, occurrence of any computer bugs or any damage resulting from any fraudulent intrusion by a third party on the Chatbot, the Site or the Application, themselves resulting from any fault or wilful or involuntary negligence of a User. As an express condition of PaySika’s consent under the Services, its liability towards any User may not exceed the amount invoiced to the latter during the last six months preceding the initiation of its liability by the User concerned. In any event, PaySika cannot be held liable for any indirect damage caused to a User, regardless of the cause. PaySika will also not be responsible for the commercial offers of its partners and any consequences attached thereto or resulting for Users who have accepted them.

Each User is solely responsible for the confidentiality of his identifiers and passwords and/or any use made by him of the Chatbot, the Site or the Mobile/Web Application and the consequences attached thereto. Any User shall refrain from harming, in any way whatsoever, the Chatbot, the Site or the Mobile/Web Application and from using them that does not comply with their purpose. Users are solely responsible for the information communicated to the Company and its possible updating. Any User guarantees the Company against any action by third parties resulting from any breach of these Terms, which he undertakes to respect.

 8. Suspension and Termination of Access to the Services

8. 1 Termination by any User

The Services offered by PaySika are for an indefinite period. In addition to cases of fraud, or anomalies of any kind at the initiative of the User, the latter has the option to terminate the Services and close his Account on request in the application in the tab provided for this purpose or via a request to PaySika’s customer service, using the following address: In the event of closure of any Account and the Services associated with it, PaySika will take note of the termination of the User by sending an email or SMS to the latter. The credit balance of the Account will be returned by PaySika to the holder after a maximum period of 30 days, by transfer to the Mobile Money account or bank account whose details will be communicated by the User to PaySika. The closure of the Account will automatically and ipso jure, without additional formality, result in the definitive blocking of all cards at the user’s disposal, provided that the said card(s) are handed over to PaySika, given that they remain the exclusive property of PaySika.

8.2. Termination or Deletion by PaySika

PaySika also has the right to terminate or suspend any Account:

• With two months’ notice, without cause;

• Immediately, for good reason, in particular, in the event of the discovery of irregular transactions on the Account (fraud, repeated non-payment, money laundering, etc.) or non-compliance with these Terms. The choice between termination and suspension rests with the Company, without recourse.

In the event of termination of the Account, the credit balance of the Account will be returned to its holder after a maximum period of 30 days, by bank transfer, to any Mobile Money account or bank account whose details will be communicated to PaySika by the User concerned.

In case of suspension, the Account may be reactivated at the request of the User, within fifteen days of the suspension.

Any death of a User automatically entails the immediate suspension of the Card in use and his Account and its closure within thirty days of the transfer of the balance to the notary in charge of the succession.

8. 3 Inactive Account

/An account is considered inactive:

1) At the end of a period of twelve (12) months during which the following two conditions are met:

a) The account has not been the subject of any transaction, except for the recording of interest and debit by the institution holding the account of fees and commissions of any kind or payment of proceeds or redemption of equity or debt securities;

(b) The account holder, his legal representative or the person authorized by him has not made himself in any form whatsoever to that institution or has not carried out any transaction on another account opened in his name in the books of the institution.

(2) Or, if its holder is deceased, at the end of a period of twelve months following the death during which none of his successors has informed the institution taking into account of his wish to assert his rights on the assets and deposits entered therein. In the event of an inactive account, PaySika will inform the holder or his legal representative or, where applicable, his known beneficiaries, by any means at its disposal and will indicate the consequences attached to it, in particular as regards the fate of the funds, which will be transferred to the Caisse des Dépôts et Consignations within the legal and regulatory deadlines. In addition to the aforementioned transfer, PaySika will also have the right to suspend the Card with immediate effect upon inactivity of the Account. In such a situation, the Card may be reactivated by its User by contacting PaySika by any means leaving a trace.

9. Withdrawal

From the date of registration on the Site, any User benefits, in accordance with the applicable regulatory provisions, from a right of withdrawal exercisable for fourteen (14) days, and this, without charge or penalty of any kind whatsoever. Any use of this right by a User automatically entails termination of the contract binding him to PaySika, with immediate effect. Any request for withdrawal must be accompanied by the communication of a valid mobile money number or bank account in order to allow PaySika to transfer the balance of the Card Account, after deduction of any advantage enjoyed by the retracting User, automatically terminated as a result of the withdrawal.

10. Additional Terms

10.1. Evidence

Proof of the acts and operations ordered and/or carried out by any User of the Site, the Mobile/Web Application, or the Chatbot may be validly reported by means of the systems set up or used by PaySika, which Users expressly and irrevocably accept.

10.2. Personal data

PaySika is committed to preserving your privacy. All personal data transmitted by any User are confidential and processed in accordance with the legal and regulatory provisions in force. For complete information on the processing of personal data by PaySika and on the rights of Users associated with it, PaySika invites Users to consult its privacy policy accessible on its Site, from the following link:, which specifies in particular:

• The legal grounds on which the collection of personal data is based

• The nature of the data collected

• Users’ rights

• The purposes of the processing

10 .3. Intellectual property

The content of the Chatbot, the Site and the Mobile/Web Application remains at all times the exclusive property of PaySika. Users do not acquire any rights, either on the content of the Site and the mobile/web application or on any graphic charter, logo, registered or unregistered trademark used by PaySika. Users are prohibited, without the prior written consent of PaySika, to register any term, combination of terms or symbols similar to the PaySika brand or the name PaySika or PaySikaCard, PaySikaCard PaySika QR, PaySika Care. More generally, Users are prohibited from reproducing, modifying or exploiting the Company’s graphic charter, logo and name, except with the prior written consent of PaySika. Any unauthorized use of PaySika’s graphic charter, its logo or the name PaySika constitutes acts of infringement and engages the responsibility of its author.

10.4. Severability of the Clauses

The nullity, illegality or unenforceability of any clause hereof shall not entail the nullity, illegality or unenforceability of the other clauses. In the event of nullity, illegality or unenforceability of a clause, PaySika will replace the clause(s) in question with new valid, lawful or applicable stipulations that will have an effect as close as possible to that of the void, unlawful or unenforceable clause. Users may not claim damages due to such nullity, illegality or inapplicability of a provision hereof.

10.5. Force majeure

Neither Party shall be liable for the non-performance or delay in the performance of its obligations if such delay or non-performance results from a case of force majeure, as defined by case law. In the event that PaySika considers invoking a case of force majeure, it must inform any User in advance, in writing or by formal email, at the latest within five (5) calendar days following the occurrence of the event invoked. In any case, in the event of the occurrence of a case of force majeure, each party will make every effort to minimize the effects of said force majeure. For the purposes hereof, any loss of employment of a User shall not constitute a case of force majeure.

10.6. Complaints and Mediation

10.6.1. Complaints

Any complaint in connection with the Chatbot, the Application or the Services offered by PaySika may be made by any User to PaySika, by email to customer service or telephone contact. PaySika undertakes to respond within a maximum period  of 45 days, from receipt of the complaint. PaySIka and the User concerned at the origin of the complaint will endeavour to make their best efforts to find any amicable solution.


10.6.2. Mediation

In the absence of an agreement between the User and PaySika, the latter will have the right to use the services of the mediator indicated by the regulations in force. For complex cases, PaySika and the User may use VISA’s mediation.

11. Applicable law – jurisdiction

11.1. Applicable law

The GTCU and all resulting documents between PaySika and any User are governed and interpreted in accordance with the law in force in the Republic of Cameroon.

11.2. Jurisdiction:

Any dispute arising from the validity, interpretation or execution hereof shall be submitted to the competent Cameroonian courts.

12. Modification

We may revise these T&Cs when the need arises. Changes will not be retroactive and the most recent version of the Terms will always be available on PaySika’s website and will govern our relationship with Users. We will notify you of any material changes through an email associated with your account or a service notification. By continuing to use our Services after the changes become effective, you agree to be bound by the revised Terms.

In the event that any of these Terms are held to be invalid or unenforceable, such provision will be limited or deleted to the minimum extent necessary and the remaining provisions will remain in full force and effect.

PaySika’s failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

13. Definitions