QuataPay
Legal

Terms & Conditions

Effective 18 February 2026 · Updated 29 October 2026 · Operated by QUATA Digital · Republic of Cameroon

  1. LEGAL STATUS Quatapay is a digital wallet platform operated by QUATA DIGITAL within Cameroon. These Terms govern all access and use of the platform.

  2. ELIGIBILITY Users must:

  • Be at least 18 years old
  • Reside within Cameroon
  • Provide accurate and verifiable information

  1. ACCOUNT REGISTRATION & SECURITY Users are responsible for safeguarding login credentials and all activity conducted through their account.

  2. WALLET SERVICES Users may:

  • Fund wallets via licensed Mobile Money services
  • Deposit cash through authorized agents
  • Transfer funds within Cameroon
  • Pay registered merchants

All transactions are electronic and subject to applicable transaction limits.

  1. IDENTITY VERIFICATION (KYC) Quatapay reserves the right to request government-issued identification at any time. Failure to comply may result in restricted functionality or account suspension.

  2. FEES All applicable fees are disclosed prior to transaction confirmation. By confirming a transaction, the user agrees to the applicable charges.

6A. MOBILE MONEY FEES AND ROUNDING Every payment made through Mobile Money, and every top-up of a Quatapay wallet from Mobile Money, carries a payer processing fee. It is currently 1.3% of the amount, and the rate that applies to you is always the rate shown before you confirm.

Fees are calculated in whole XAF, because the XAF has no smaller unit:

  • A fee that is already a whole number of XAF is never changed (1.3% of 10,000 XAF is exactly 130 XAF).
  • A fee that comes out with a fraction is rounded UP to the next whole XAF. For example, 1.3% of 100 XAF is 1.3 XAF, so the fee is 2 XAF; 1.3% of 200 XAF is 2.6 XAF, so the fee is 3 XAF.
  • On very small amounts the fee shown can therefore be slightly above 1.3% of the amount, by less than 1 XAF.

The exact amount you will pay, fee included, is always shown before you confirm.

6A. FRAIS MOBILE MONEY ET ARRONDI (version française) Chaque paiement effectué par Mobile Money, et chaque recharge d'un portefeuille Quatapay depuis Mobile Money, comporte des frais de traitement à la charge du payeur. Ils sont actuellement de 1,3 % du montant ; le taux qui s'applique à vous est toujours celui affiché avant que vous ne confirmiez.

Les frais sont calculés en francs CFA (XAF) entiers, car le XAF n'a pas de sous-unité :

  • Des frais qui sont déjà un nombre entier de XAF ne sont jamais modifiés (1,3 % de 10 000 XAF font exactement 130 XAF).
  • Des frais comportant une fraction sont arrondis AU-DESSUS, au XAF entier suivant. Par exemple, 1,3 % de 100 XAF font 1,3 XAF, les frais sont donc de 2 XAF ; 1,3 % de 200 XAF font 2,6 XAF, les frais sont donc de 3 XAF.
  • Sur de très petits montants, les frais affichés peuvent donc être légèrement supérieurs à 1,3 % du montant, de moins de 1 XAF.

Le montant exact à payer, frais compris, est toujours affiché avant que vous ne confirmiez.

  1. PROHIBITED ACTIVITIES Users shall not engage in:
  • Fraud or deception
  • Money laundering
  • Terrorist financing
  • Illegal trade
  • System manipulation
  1. SUSPENSION & TERMINATION Quatapay may suspend or terminate accounts for:
  • Regulatory compliance requirements
  • Suspicious or fraudulent activity
  • Breach of these Terms

Funds may be temporarily restricted during investigation as permitted by law.

  1. COMPLAINTS & DISPUTE RESOLUTION Users may file complaints through official support channels. We aim to respond within 48 business hours. Unresolved disputes shall be governed by Cameroonian law.

  2. LIMITATION OF LIABILITY Quatapay shall not be liable for:

  • User input errors
  • Third-party telecom failures
  • Events beyond reasonable control
  1. GOVERNING LAW These Terms are governed by the laws of the Republic of Cameroon.