Terms & Conditions

Welcome to ZIVO PAY. By downloading, accessing or using our mobile application or web portal, you agree to be bound by these terms and conditions.

1. User Account Registration

Users must provide accurate, current, and complete information during registration. You are responsible for maintaining the confidentiality of your account login credentials and transactions.

2. Recharge & Utility Payments

All recharges, bill payments, and top-ups processed through ZIVO PAY are subject to operator availability. In the event of a failed transaction, the deducted amount is automatically refunded back to your Deposit Wallet.

3. Wallet Transfers & Direct P2P

P2P wallet transfers between registered ZIVO PAY members are final once processed. Users must double-check receiver details before confirming transfers.

4. Contact & Disputes

For any disputes or query resolutions, please raise a support ticket via our Help & Support desk or email us at support@zivopay.com.