Terms of Service

Swyipa is a payment-link service run by NuBien Enterprises Ltd, a company in Malawi (“we”, “us”). By creating an account or paying through a Swyipa link you agree to these terms.

Swyipa lets a seller create a payment link and send it to a customer. The payment itself is carried out by OneKhusa, a payment provider. Swyipa is not a bank, a wallet or a payment institution, and does not hold or pool money for sellers or customers.

Money from a payment settles into the seller's own OneKhusa account. Swyipa only records the result.

You must be 18 or older and give true details, including your business name and address. Keep your password private; you are responsible for what is done with your account. Tell us at once if you think someone else has got in.

To receive payments we set up a OneKhusa merchant account for you. This can take time, and until it is ready your customers will be told you are still setting up and cannot pay.

A request shows PAID only after OneKhusa confirms the payment to us. A customer saying they paid, or a screenshot, is not confirmation. Do not hand over goods or services on the strength of anything except a PAID status.

A paid payment can later be reversed — for example by the customer's bank or by OneKhusa. A reversed payment is returned to the customer and is no longer yours.

OneKhusa charges a fee on each payment, taken from the seller's side. Swyipa's own charges are set out on the pricing page. We will give at least 30 days' notice in the app before we start charging, or raise a charge. Charges by OneKhusa are theirs to set and change.

• Use Swyipa only for real sales and genuine collections.
• Do not sell anything illegal, take payments for fraud or scams, or collect money under a false name or purpose.
• Deal with your own customers: delivery, quality, returns and refunds are between you and them, not us.
• Do not try to break, probe or overload Swyipa, or to use other people's accounts.

A collection lets many people pay into one link, for example a funeral or a group gift. The organiser is the seller and is responsible for how the money is used. If the organiser chooses to show contributors' names and amounts, contributors are told before they enter a name.

If you pay through a Swyipa link, you are paying the seller named on the page, not us. Check the business name and amount before you approve. Disputes about goods or services are with the seller. Receipts show what Swyipa recorded.

You can send your balance only to your own settlement account at OneKhusa, never to anyone else. Withdrawals and changes to that account ask for your password. A withdrawal is complete only when OneKhusa confirms it.

We may suspend or close an account, or stop a payment, if we reasonably believe it is used for fraud or something illegal, breaks these terms, or if OneKhusa or the law requires it. You may close your account at any time by contacting us; money already in your OneKhusa account remains yours to withdraw.

Swyipa depends on OneKhusa, mobile networks and banks, which we do not control. We work to keep it running but do not promise it will never be down or late. To the extent the law allows, we are not liable for losses caused by those services, by a customer's error, by a reversal, or by something you did or did not do — and our total liability to you is limited to the fees you paid us in the three months before the claim. Nothing here limits a liability the law does not allow us to limit.

We may update these terms and will say so in the app for important changes. Using Swyipa after that means you accept them. These terms are governed by the laws of Malawi, and its courts may hear disputes.

Questions: support@swyipa.com