1.1 These terms and conditions ("Terms and Conditions") govern the terms under which you can use:
1.2 These Terms and Conditions, together with our web page setting out the charges applicable for our services, form your agreement with us for our Global payment service and/or use of Airtime Top Up (the "Agreement").
1.3 By accessing, registering with and using any of these services, you agree to be bound by the terms of the Agreement.
1.4 The language of the Agreement is English, and all services, instructions and transactions carried out in connection with it will be in English.
1.5 You can obtain a copy of the Agreement at any time by asking us to send you a copy via email.
1.6 In the Agreement, the terms "KBLPAY", "we", "us", and "our" refer to Kbl Consulting KBLPAY Ltd, together with its employees, directors, successors, and assigns. Kbl Consulting KBLPAY Ltd is a company registered number 13105926 in England and Wales, with its registered office at 342B Moston Lane, Manchester M40 9JS. Kbl Consulting KBLPAY Ltd is registered and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and Electronic Money Regulations 2011. Registration number: 531944. Its regulated activities include providing payment services and issuing electronic money.
1.7 The terms "you" and "your" refer to you, the person who has registered to use some or all of the services described in the Agreement.
1.8 This Agreement will be treated as coming into effect on the date you register with us and will continue for an indefinite period, until terminated by you or us.
In these Terms and Conditions:
"Airtime Top Up" means the service which allows you to credit a mobile phone account with credit which can be used by the mobile phone account holder to make calls, send text or picture messages and use data. It is credited to the Payee's mobile phone account typically within a few seconds.
"Business Day" means any day on which we are open for business for the execution of Payment Instructions and/or Payment Requests.
"Destination Country" means the country in which:
"E-money" means electronically stored monetary value.
"Instruction" means a Payment Request or a Payment Instruction, as the case may be.
"Local Taxes" means any taxes or charges payable in the Destination Country.
"Money Transfer" means an electronic money transfer using our Services, either within the same country or to another country.
"Payee" means either:
"Payment Instrument" includes a payment device such as a debit card, credit card, or electronic transfer.
"Payout Amount" means the amount paid, after any foreign exchange conversion, to you or to a Payee, exclusive of the Service Fee and/or any other fees, charges or costs we reasonably incur.
"Payment Instruction" means a specific instruction from you (or a Third Party Provider on your behalf), using the Portal, to send money or Airtime Top Up.
"Portal" means any app, website, interface or other digital portal we provide from time to time to enable you to use our Services under the Agreement.
"Prohibited" means activities which involve narcotics, steroids, pharmaceuticals, chemicals, drug paraphernalia, tobacco, seeds, plants, animals, military or semi-military goods or services, weapons (including dual-use goods), adult services or content, bitcoin or other cryptocurrency, binary options or gambling services or any other activities that are prohibited by our policies as amended from time to time.
"Sender" means either:
"Services" means any or all of the following services:
"Service Fee" means our fee described as such on our Website from time to time. Other taxes (for example, Local Taxes) and costs may exist that are not paid through us or imposed by us.
"Service Provider" means a local bank, money exchange house, or other third party service provider (e.g. mobile network operator) in the Destination Country who we work with to provide services to you.
"Transaction" means the transfer of money or Airtime Top Up using our Services, as the case may be.
"Transaction Amount" means:
In each case, the Transaction Amount excludes any applicable Service Fee and is the amount displayed by us in the Portal prior to any foreign exchange conversion.
"Transaction History" means the record of your Transactions which are accessible through our Portal.
"Website" means our public website.
3.1 Subject to the terms of the Agreement, we agree to provide the Services to you using reasonable care.
3.2 You may not be able to use the Services, or some aspects of the Services, if you are located in certain regions, countries, or jurisdictions. This restriction may also apply where you are temporarily accessing our services from those regions, countries or jurisdictions (for example if you are travelling).
3.3 You must not access, use or attempt to use the Portal to provide any Instructions unless you are at least 18 years old. Depending on the country in which you live, local laws may set a different age or impose additional rules on your ability to enter into an agreement with us and to use the Portal. If this is the case, it is your obligation to comply with the local laws which affect you.
3.4 You must not use any device, software or routine to interfere or attempt to interfere with the proper working of the Portal or any Instruction being conducted through the Portal.
3.5 When registering for and using the Portal, you must:
3.6 You must take reasonable steps to keep the details you use to access the Portal safe and to prevent their fraudulent use. These steps include:
3.7 You must only use the Portal to send money or Airtime Top Up to people that you know personally, and not to pay for goods or services from third parties you do not know and trust. If you choose to pay third parties for goods and services using our Services, please note that we have no control over, and is not responsible for, the quality, safety, legality, or delivery of such goods or services, and that any such use of the Portal and our Services is entirely at your own risk.
3.8 You must only act on your own behalf. You may not submit an Instruction or receive a Transaction on behalf of a third person.
3.9 You must not use the Portal to send Transaction Amounts in connection with illegal activity including but not limited to money-laundering, fraud and the funding of terrorist organisations. If we reasonably believe you are using the Portal or our Services in connection with illegal activity or for any fraudulent purpose, or are permitting a third party to do so, we may report you to the appropriate legal authorities.
3.10 When using the Portal or our Website or when interacting with us, with another user or with a third party, you must do the following:
3.11 If you have any problems using our Website, you should contact us without delay through the channels listed at the end of these Terms and Conditions.
3.12 If you suspect or become aware that the details that you use to access the Portal has been lost, stolen, compromised, used without your authorisation, or used fraudulently, you must contact us immediately through the channels listed at the end of these Terms and Conditions.
3.13 Provided it would not be unlawful for us to do so, and it would not compromise reasonable security measures, we will contact you by phone or email if there is an actual or suspected fraud affecting your use of the Portal.
3.14 Nothing in the Agreement or in any other information provided by Kbl Consulting KBLPAY Ltd as part of the services covered by the Agreement is intended to be, nor should it be construed to be, legal or other advice. You must consult your own professional advisers as to the effects of laws which may apply to the Agreement and the services under it.
4.1 You must not submit Payment Requests to people you do not know personally.
Cancellation of Payment Requests
4.2 Once we have received your Payment Request, you cannot cancel it. In such circumstances you must contact the Sender separately and explain that you want the Payment Request to be treated as cancelled.
4.3 If we ask you to do so, you must without delay refund to us or a third party of our choice any payment you receive using our Services, where we reasonably believe that the payment:
5.1 When you give us a Payment Instruction, you are requesting that we process the Transaction on your behalf and you are consenting to the execution of the Transaction. Your Payment Instruction will be treated as received by us once you submit it to us using the Portal.
5.2 It is your responsibility to make sure all the details are accurate before you give us a Payment Instruction. Once we have received a Payment Instruction, it is not normally possible to change any details of that Payment Instruction. You will be given the opportunity to confirm a Payment Instruction before submission and you must check the details carefully.
5.3 The total amount (the Transaction Amount, Service Fee and other applicable fees and charges) that you must pay and the relevant exchange rate selected by us will be displayed clearly in the Portal before you are asked to confirm your Transaction.
Timing of payments of money
5.4 Subject to the terms of the Agreement, where you make a Money Transfer, the Payee will receive the payment within 24 hours of you paying us, except in circumcises beyond our control.
6.1 Once we have received your Instruction, you cannot cancel it.
6.2 Notwithstanding clause 6.1, we may, in our absolute discretion, attempt to reverse your Instruction if you have informed us that you wish us to do so. In some cases, we may have initiated an irreversible request for funds to be paid out to your Payee by a Service Provider. If this is the case, we cannot guarantee that the reversal will be successful.
6.3 We can apply a charge for attempting to reverse your Instruction.
7.1 We may refuse any Instruction, or delay processing any such Instruction, at any time for any of the reasons set out below:
7.2 We can charge a fee for refusing any payment or Instruction. Where such a fee applies, it will be set out in the Portal or on our Website.
8.1 For each Payment Instruction you give us, you must pay us the applicable Service Fee (this will be explained in the Portal). Payment becomes due at the time that you submit your Payment Instruction.
8.2 If you submit a Payment Instruction that results in us becoming liable for charges (including but not limited to chargeback or other fees which we are obliged to pay), you must reimburse us for all such fees.
8.3 A surcharge may apply for processing credit cards in certain jurisdictions. The amount of the surcharge will be notified to you at the time of the card payment.
10.1 The Airtime Top Up service will only be provided to you by us in respect of the mobile phone operators available on our Website. These operators are subject to change and availability.
10.2 You must input the mobile phone number to which any Airtime Top Up is to be credited into the appropriate space in our Portal. It is your responsibility to ensure that you have correctly inputted the mobile phone number. You will then be asked to select the amount of Airtime Top-Up that you wish to credit that mobile phone number with.
10.3 When sending an Airtime Top Up, you will be asked to enter the Payee's phone number twice. This is needed to ensure that Airtime Top Up is not sent to the wrong person because of a mistyped number. However, if you enter the wrong number twice, the transfer will go ahead and there is no way to reclaim or redirect the Airtime Top Up once the Payment Instruction has been processed by us.
10.4 The cost of Airtime Top Up will vary depending on the amount of Airtime Top Up that you wish to send and according to the denominations displayed in our Portal or on the Website.
10.5 The total amount (the Transaction Amount and our Service Fee) that you must pay will be displayed clearly in the Portal before you are asked to confirm your Transaction.
10.6 A number of countries around the world have chosen to apply taxes to incoming Airtime Top Ups. When sending to a Payee in these countries, the corresponding deduction will be made from the Transaction Amount, meaning the Payee will get a lower amount of Airtime Top Up.
10.7 If the Payee you are sending to is in a country which does deduct taxes from Airtime Top Ups, you will see information about the rate in the Portal before completing the transfer.
10.8 The Airtime Top Up is typically sent within a few seconds by us to the mobile phone number you provide upon successful payment by you. Occasionally, there may be a short delay before the relevant mobile operator applies the Airtime Top Up to the mobile phone number e.g. due to congestion on the local mobile network.
10.9 Our obligation in relation to Airtime Top Up is simply to send Airtime Top Up in accordance with your Instruction. The relevant mobile operator will be solely liable to you and the Payee of the Airtime Top Up for the provision of mobile services related to the Airtime Top Up. Once the Airtime Top Up is sent to a mobile phone number, it cannot be refunded or removed from the phone. To stop this mistake from happening, we ask you to ensure that the number you have entered is correct.
10.10 You will not be able to cancel the Airtime Top Up once we receive your instruction.
10.11 We may be obliged (for example, due to local laws or mobile operator restrictions) to limit the number of Airtime Top Ups that can be performed or the maximum value of Airtime Top Ups (the latter typically due to mobile operator restrictions) over a given period of time e.g. daily, weekly, monthly.
Customer Identification Program
11.1 Financial institutions are required to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore ask you to supply us with personal identifying information relating to you, and Sender and any Payee and we may also legally consult other sources to obtain information about you, any Sender and any Payee.
Verification and Checks
11.2 We will verify your residential address and personal details in order to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. Be assured that this is done only to confirm your identity, and that we do not perform credit checks and therefore your credit rating will be unaffected. We may also need to verify the identity of a Sender or Payee in the same way. All information provided by you will be treated securely and strictly in accordance with all applicable law. We may do this directly, for example by asking you for additional information, or asking you to take steps to confirm ownership of your accounts, Payment Instruments or email address; or indirectly, for example by verifying your information against third party databases or through other sources.
Provision of payment services
11.3 You explicitly consent to us accessing, processing and retaining your personal information for the purposes of providing the payment services described in the Agreement. We need your explicit consent as a result of certain rules which apply to us (the United Kingdom's Payment Services Regulations 2017). This consent does not relate to how we process your personal information for other purposes, which are explained in our Privacy Policy.
11.4 We may be obliged by law to provide information about you, your use of the Portal and our Website, and your Instructions to government or other competent authorities as described in our Privacy Policy.
11.5 We may, as necessary in providing services to you under the Agreement, store all information required of a Sender to prove his or her identity or associated with their specific Instruction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a transaction tracking number, a personal identification number (PIN), a "password", a "secret word", or other similar identifiers.
12.1 The Portal, our Services and our Website, and the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us, our affiliates, or third parties. All right, title and interest in and to the Portal, our Services and our Website will remain our property and/or the property of such other third parties.
Informing us about an unauthorised or incorrect payment
13.1 If you believe that a payment made using one of our Services was made without your authorisation, or was not executed correctly, you must contact us through the channels listed at the end of these Terms and Conditions without undue delay any in any event within 3months of the date on which the payment occurred. A request for a refund must be submitted in writing (including by email) to one of the contact points listed at the bottom of these Terms and Conditions, giving your full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request. You should give us any other relevant documentation that you have available that will help us process your claim.
Where a payment has not been made, or has been made incorrectly or late
13.8 We will refund you where you gave us a Payment Instruction and we did not do this, or we sent it to the wrong account.
Other circumstances in which we will not be liable
13.10 Except where (and to the extent that) the laws and regulations applicable to us say otherwise, we will not be liable to you for:
14.1 We grant you a non-transferable, non-exclusive licence to use the Portal, subject to the terms of your Agreement with us, our Privacy Policy and the applicable app-store terms (incorporated into these Terms and Conditions by reference) as may be amended from time to time. We reserve all other rights.
14.2 Except as expressly set out in your Agreement with us or as permitted by any local law, you agree:
14.3 The Portal has not been developed to meet your individual requirements, and we do not represent or guarantee that the Portal will be suitable for your needs. It is your responsibility to ensure that the facilities and functions of the Portal meet your needs.
15.1 We can stop or block your access to and use of the Portal if:
15.2 We can deny a Third Party Provider access to the Portal if we reasonably believe that access to the Portal by them, or any Instruction we receive from them, is unauthorised or fraudulent.
16.1 The Agreement will be entered into electronically, and the following categories of information ("Communications") may be provided by electronic means:
16.2 We are not able to provide Communications in paper format or through other non-electronic means. You can withdraw your consent to receive Communications electronically, but if you do, we will treat this as notice that you wish to terminate your Agreement with us. In order to withdraw your consent, you must contact us using our contact information at the end of these Terms and Conditions.
16.3 In order to access the Portal and Communications, you must have an internet browser that supports 256-bit encryption, or such higher level of encryption as we may introduce in order to comply with law, regulation or good industry practice in order to protect the security of our customers' money and our systems.
16.4 In addition, you must promptly update us with any change in your email address by updating your profile on our platform.
17.1 We can change, remove, vary or add to any of the terms of our Agreement with you at any time. These changes may include, but not be limited to:
17.2 We can make changes to the Agreement for any of the following reasons:
17.3 We can also introduce, increase, decrease or abolish transaction limits for certain types of payments made to or by you using our Services from time to time. We may do this for any of the following reasons:
We may publish details of transaction limits on our Website, or details may be available from us on request.
17.4 Whenever we decide to make a change, we will act reasonably, and any change will be proportionate to the circumstances giving rise to the change.
17.5 As our Agreement with you may last for a long time and we cannot anticipate everything that might happen during that time, we may also need to make changes for other justifiable reasons. If we do so, we will explain the reason to you when we tell you about the change.
18.1 You can terminate the Agreement on one month's written notice, unless we have broken the terms of your Agreement with us in a serious way, and (where it is possible to put this right) we have not put this right within a reasonable period of time requested by you. In this case, you can terminate the Agreement with immediate effect.
18.2 We can terminate the Agreement upon two months' notice, except as provided for in clause 18.3 or clause 18.4.
18.3 We can terminate the Agreement with immediate effect if you:
18.4 We can terminate the Agreement with immediate effect if:
18.5 Termination of this Agreement will not affect any claims that you have against us, or that we have against you, which arose before the date of termination. For example, we have the right to demand payment of any Service Fees for Services provided prior to termination.
19.1 If you wish to make a complaint about any aspect of our Services, please send your complaint in writing to the address shown on Contact us page of our Website.
19.2 We will acknowledge receipt of your complaint within 2 Business Days. We will investigate your complaint and come back to you with the results of our investigation no later than 7 Business Days after the receipt of our acknowledgement of your complaint.
19.3 If you are not satisfied with the manner in which we have dealt with your complaint, or the outcome, then you may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Tel No 0800 0234 567, Email: complaint.info@financial-ombudsman.org.uk.
Governing law
20.1 This Agreement, and our communications with you prior to you entering into this Agreement, will be governed by English law the following courts will have jurisdiction over any disputes arising:
No Waiver
20.2 Our failure to exercise or enforce any right or provision of the Agreement will not constitute a waiver of such right or provision.
Transfer of rights
20.3 You cannot transfer any of your rights under this Agreement.
20.4 We can assign all or any of our rights under this Agreement to another person. We may also transfer all or any of our obligations, but only to someone we reasonably consider capable of performing them.
Entire Agreement
20.5 This Agreement constitutes the entire agreement between the parties and supersedes all prior understandings or agreements relating to the subject matter of this Agreement. Severability
20.6 If any provision of the Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Agreement as reflected in the provision, and the other provisions of the Agreement will remain in full force and effect.
External links
20.7 Any external links to third-party websites on our Website are provided as a convenience to you. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.
Cancellation
20.8 You have the right to cancel your Agreement with us. The cancellation period begins on the day after you register with us and ends 14 calendar days later. You can exercise your right of cancellation by calling us or sending us an email. Our contact details are set out on our Website. Cancellation will terminate your Agreement with us with immediate effect.
20.10 If you do not exercise your right to cancel the Agreement during the 14-day cancellation period, the Agreement will be binding on you. You will however be able to terminate the Agreement in accordance with clause 18.
Security
We take security very seriously at Kbl Consulting KBLPAY Ltd and we work hard, using state-of-the-art security measures, to make sure that your information remains secure. The KBLPAY service is a safe and convenient way to send money or Airtime Top Up to friends and family and to other people that you trust. You should not send moneyor Airtime Top Up to people you do not know, for example sellers of goods and/or services, whether private or retail.
However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true - they may be scams. If you are aware of anyone or any entity that is using the Portal or our Website inappropriately, please email us. Similarly, if you receive any emails, purporting to be from KBLPAY, which you suspect may be "phishing" (fake) emails, please forward the email to
KBLPAY is a fast and secure service that lets you transfer money
online using a computer, smartphone, or our app.
Individual and businesses who need to make global payment quickly and at significantly lower cost than the available competitors in the market. It’s an ideal choice for individuals living in the UK who are supporting family and friends back in their home country. Low charges and reliability of the service makes it attractive to wider groups and small businesses making B2B payments.
KBLPAY offers global payment services from United Kingdom to the following countries at the moment: Nigeria, Ghana, EU countries, USA, Cameroon, Kenya
You will need to download our KBLPAY Global Payment App. There are Android and iOS App. After downloading, register and start sending money immediately.