Acceptable use and screening

Categories we do not serve

rafiqPay does not serve businesses in gambling and betting, alcohol, adult services, or interest-bearing lending. Every business is screened by category when it joins, and may be reviewed again later.

rafiqPay’s card authorisation rules decline the same categories (MCC 7995, 5921, 7273 and 6051) with the code MCC_BLOCKED. Card issuing is not live yet: see Issuing cards.

Fees and penalties

Card, bank transfer and USSD payments carry a processing fee of 1.5%, capped at ₦2,000. A customer paying from their rafiqPay wallet costs you 0.5%, capped at ₦500. Invoices and subscriptions never add late fees or interest.