These terms form the contract between you and GlofPay. They describe the service, what we undertake to do, what we expect from you, and what happens when something does not go as planned. Read them: by opening an account, you accept them.
Version of 17/09/2026These terms of use govern access to the GlofPay site and the use of the payment, transfer and electronic money services offered on it.
They apply as soon as you create an account, and to every operation you carry out on it. If you do not accept them, do not open an account and do not use the service. Creating the account means accepting them without reservation.
Some features are subject to particular conditions — notably merchant collection and digital assets. Those particular conditions supplement the present text; where they conflict, they prevail for the feature concerned.
The account is open to any adult natural person with legal capacity, or to any duly incorporated legal entity acting through an authorised representative. A single holder may only hold one account, unless we agree otherwise in writing.
You undertake to provide accurate, complete and current information, and to tell us of any change — address, telephone number, email address, situation of the legal representative. Wrong information may prevent an operation from being carried out or lead to the account being suspended.
Opening the account is free. We may refuse an application without having to give reasons, in particular where the checks set out in article 4 cannot be completed.
Before giving you access to all the features, we verify your identity. This check answers the know-your-customer and anti-money-laundering and counter-terrorist-financing obligations that apply to payment service providers. It is not optional.
For this purpose you send us a valid identity document and, depending on the case, proof of address, proof of the origin of the funds or your company registration documents. We may ask for further documents at any time during the relationship, including after the account has been opened.
Until the verification is complete, your account may be subject to reduced operation limits. The applicable thresholds are shown in your account — schedule to be confirmed by the operator.
Depending on your country and on the state of your verification, the account gives access to the following features:
Which features are available and which operators are accepted vary from one country to another. They are shown in your account at the time of the operation. We may add, change or remove a feature; a lasting removal is announced in advance where it affects a service you use.
Digital assets are not money. Their value varies, sometimes sharply and quickly, and nothing guarantees that you will get back the amount invested. The corresponding balances carry no deposit guarantee. Only put into them what you can afford to lose.
An operation is deemed authorised once you confirm it in your account after seeing the amount, the fees and, where applicable, the rate applied. Once confirmed, it is irrevocable: we can no longer stop it, even if the recipient turns out to be the wrong one.
The right number is on you. A transfer is carried out on the basis of the identifier you enter — phone number, email address, account reference. We do not check that this identifier matches the name you give. A typing error may credit a third party; recovery then depends on their agreement and is not guaranteed.
The times announced are those observed in normal operation. They also depend on the mobile money operators, the banks and the card networks involved in the chain, as well as on the regulatory checks we have to carry out. An operation may be held while those checks are made.
We may refuse or delay an operation where:
Where an operation fails after being debited, the funds are credited back to the original wallet as soon as the provider concerned confirms their fate to us.
The applicable fees are shown before confirmation, in the currency of the operation. What the screen shows is what is debited from your wallet and what is credited to your recipient; nothing is added afterwards on our side.
A mobile money operator, an intermediary bank or a card issuer may, for their part, apply their own fees, over which we have no control.
Conversions between currencies are made at the rate shown at the time of the operation. That rate includes our exchange margin, it is only valid for the time of the confirmation, and it may differ from rates published elsewhere.
The full schedule — fees per type of operation, limits, exchange margin — can be viewed in your account — also to be published here by the operator.
It is forbidden to use the service to:
A use falling within this list leads to the immediate suspension of the account and, where the law requires it, to a report to the competent authorities.
Your credentials, your password and your verification codes are strictly personal. Do not give them to anyone. No member of our team will ever ask you for your password or a validation code, neither by phone, nor by message, nor by email.
Turn on two-step verification. If you suspect that your account has been compromised, change your password and tell us immediately: operations carried out before that report are deemed authorised, unless proven otherwise.
You may close your account at any time, once you have withdrawn your balance and the operations under way have been settled.
We may suspend access to the account or close it where these terms are not complied with, where the identity verification cannot be completed, where a risk of fraud is established or where a legal obligation requires it. The suspension may be immediate where urgency or the law requires; we tell you as soon as we are entitled to do so.
The balance of a closed account remains owed to you and is returned to you, less any sums you owe us, except where its payment is prevented by a decision of a competent authority.
Any complaint should first be made from your account, by opening a ticket: your request is then linked to your file and to the operation concerned. You may also write to contacte@glofpay.com or use the contact form.
Report a disputed operation as soon as you notice it, giving its reference, its date and its amount. We acknowledge receipt of your complaint and keep you informed of how it is handled — response times to be specified by the operator.
A dispute between a buyer and a merchant is first a matter for their commercial relationship. The dispute service built into the platform allows the exchange to be formalised and, where appropriate, our arbitration.
We carry out the operations you authorise, with the care expected of a professional. Our liability is engaged in the event of a failing attributable to us and to the extent of the direct loss resulting from it.
It is not engaged where the loss arises from:
The service is provided as it works; we do not guarantee uninterrupted availability. Interruptions for maintenance may occur and are announced when they are planned.
The processing of your data — what data, for what purpose, for how long, with whom it is shared and how to exercise your rights — is described in our Privacy Policy, which forms part of these terms.
The data collected for customer identification and anti-money-laundering purposes is kept for the period imposed by the regulations, including after the account has been closed.
We may change these terms, in particular to take account of a change in the service or in the regulations. The applicable version is the one published on this page; its date appears at the top.
A substantial change is announced to you before it takes effect. If it does not suit you, you may close your account free of charge before that date; continuing to use the service after that date means accepting it.
These terms are governed by the law of governing law to be specified by the operator. Failing an amicable settlement, the dispute is brought before the competent courts of jurisdiction to be specified.
If one of the provisions of these terms is held to be void, the others remain applicable.
The identity of the operator, its contact details and its status appear in the Legal Notice.
