Terms of Service

Company contact

Prefrpay is operated by Prefr Solutions Limited. Company contact: Alimosho, Lagos Nigeria. Phone: +2348065057787. Email: solutions@prefrpay.com.

Who we are

Prefrpay is operated by Prefr Solutions Limited, a trust-as-a-service platform that coordinates peer-to-peer commerce transactions between vendors, buyers, and delivery partners. We provide payment link generation, delivery PIN coordination, rider dispatch links, and dispute routing.

Prefrpay is a software intermediary, not a bank or financial institution. All payments and settlements are processed and held by Flutterwave. We are not a licensed money transmitter. We operate as a technology and coordination layer on top of Flutterwave.

Non-custodial role

Prefrpay does not hold, receive, store, or control buyer or vendor funds at any point. All payment collection, escrow holding, and disbursement to vendor bank accounts are performed by Flutterwave under their own terms, licenses, and regulatory obligations.

Prefrpay records transaction state (for example: pending, escrow locked, release pending, completed) to coordinate the flow between parties. Settlement of funds is always between the buyer, the licensed payment partner, and the vendor's verified bank account.

Services we provide

Prefrpay provides:

• One-time, tokenized payment links for vendors to share with buyers
• Coordination of escrow release when a buyer confirms delivery via a doorstep PIN
• Rider dispatch links and PIN handshake for delivery confirmation
• Vendor identity verification coordination — identity is verified by Prembly
• Operational review and dispute routing for eligible transactions
• WhatsApp and SMS notifications related to transaction status

Vendor responsibilities

Vendors must provide accurate product descriptions and prices, fulfill orders lawfully, assign riders responsibly, and maintain a verified payout bank account. Vendors are solely responsible for the goods and services they sell and for compliance with applicable tax and trade laws.

Buyer responsibilities

Buyers pay through links shared by vendors at their own discretion. Buyers should verify the vendor and order details before paying. Confirming delivery with the doorstep PIN indicates that the buyer received the order as described, which triggers escrow release coordination to the vendor.

KYC and verification

Vendors may be required to complete identity and bank verification before receiving payouts. Identity is verified by Prembly. Prefrpay does not guarantee approval and may suspend coordination services if verification fails or fraud is suspected.

If something goes wrong with delivery (buyers)

When you pay through Prefrpay, your money is kept safe until delivery is handled the right way. It is not sent to the seller straight away. The seller is only paid after delivery goes well — or after we finish looking into a problem you reported.

If someone brings the item to you, check it before you say yes. If you are happy, give the rider the 4-digit code you received by text. That tells us delivery went well. If you are not happy, tell the rider and use “Not satisfied” on your order page. Do not give the code. The rider should take the item back to the seller. Your money stays safe while we look into it.

If something goes wrong after you already accepted delivery, you can report a problem on your order page. You may need to wait a short time after payment before you can report (usually about 2 days), unless the rider already said you were not available. For deliveries by a courier company, there is a short window after delivery to report a problem. After that window, the order may be treated as complete.

When you report a problem, tell us what happened and add clear photos if you can. Our team reads both sides and decides what happens next. Depending on what happened, we may refund you (full or part of your payment), pay the seller if the item and delivery were fair, or let the seller send again if that makes sense. We will message you when a decision is made.

If a rider tried to deliver and you were not there or could not take the item, you may still report a problem — but you might not get back every fee you paid (for example the part that covers our service and payment handling). The item price is what we focus on in those cases.

Once you give the delivery code and the order is marked complete, or once we finish a review and close the case in the seller’s favour, the payment is final for that order.

Prefrpay does not store your items or run a warehouse. We do not always arrange return shipping if you already took the item home. In those cases we review photos and messages and decide on a refund or other outcome. The seller and rider may still agree to take the item back outside the app.

Chargebacks, reversals, and payment holds from banks or payment partners are governed by those partners’ own rules.

If something goes wrong with delivery (sellers)

When a buyer pays, the money is held by Flutterwave in your seller escrow wallet. You receive it in your bank after delivery is confirmed — or after we finish reviewing a problem report. There is no withdraw button; payout is automatic after delivery.

If you use your own rider, the buyer gets a 4-digit code by text after you assign a rider (or after you confirm how delivery will work). The buyer should check the item at the door before giving the code. If the buyer is not happy, they should not give the code. Your rider should bring the item back to you. Prefrpay keeps the payment on hold while we review. Make sure your riders know: no code means the sale is not done.

If you use a courier partner through Prefrpay, the buyer usually does not use a door code. They get a short time after delivery to report a problem. If they do, payment stays on hold until we decide.

When a buyer reports a problem, we may ask you and the buyer for photos and a short explanation. Reply honestly and quickly. Depending on what happened, we may pay you if delivery and the item were fair, refund the buyer (full or partial), or allow another delivery attempt if the first one failed for a fixable reason.

If the rider says the buyer was not available several times, and the buyer later asks for money back, we may treat that as the buyer’s responsibility. In those cases the buyer might only get back the item price, not every fee.

Prefrpay does not run a returns warehouse. For rider orders, refusal at the door is the main return moment. If the buyer already has the item and wants to send it back, you and the buyer arrange that (same rider, pickup, and so on). We decide on payment after we see evidence and hear both sides — we do not automatically refund just because the buyer says they want to return.

You are responsible for sending what you described (right item, fair condition), using riders or couriers you trust, responding when we or the buyer contact you about a problem, and completing identity and bank details when required for larger orders.

Limitation of liability

Prefrpay provides coordination software on an as-is basis. We are not liable for partner outages, SMS or WhatsApp delivery delays, incorrect vendor listings, delivery failures, regulatory changes, or losses arising from transactions between vendors and buyers. Our liability is limited to the extent permitted by applicable law.

Changes and contact

We may update these Terms from time to time. Continued use after changes constitutes acceptance. For questions, contact solutions@prefrpay.com.