Terms of Service

Who we are

MikroPay (“MikroPay”, “we”, “us”) operates the platform at mikropay.gm, which lets businesses in The Gambia sell WiFi access from their own MikroTik routers, paid for by mobile money. By creating an account or using the platform you agree to these terms.

What MikroPay is (and is not)

MikroPay is software. It connects your MikroTik router to a payment page, provisions WiFi access when a customer pays, splits the revenue, and gives you a dashboard, alerts, and reports.

MikroPay is not an internet service provider. The internet connection, the router, and the WiFi service your customers buy are yours. You are the seller in every WiFi transaction; MikroPay facilitates the payment and the technical provisioning.

Your account

• You must be at least 18 and able to enter a binding agreement.
• The information you register with — including your business name and mobile money payout details — must be accurate and kept up to date.
• You are responsible for keeping your login credentials and your router’s admin access secure, and for everything done through your account.
• Joining is free. There is no subscription, no monthly fee, and no minimum sales requirement.

The revenue split

MikroPay earns a percentage of each completed WiFi sale — nothing else. Under the current standard split, 90% of each sale goes to you and 10% to MikroPay.

• Your exact rate is shown in your dashboard and is stamped on every transaction at the moment of sale — a later rate change never applies retroactively.
• Individual rates can be agreed for high-volume or partner businesses.
• If we change the standard split, we will give you at least 14 days’ notice by email or dashboard notice before the new rate applies to your sales.

Payments and payouts

Customer payments are processed by ModemPay, a payment service provider licensed by the Central Bank of The Gambia. MikroPay is not a bank and does not hold your money: each sale is split automatically at the moment of payment, and your share is routed to the mobile money account you registered.

Payout timing depends on ModemPay and the mobile money operators (Wave, AfriMoney, QMoney, APS). Delays inside those networks are outside MikroPay’s control, though we will help you chase them.

Failed sessions and refunds

If a customer pays but the WiFi session cannot be provisioned, the payment is refunded to the customer through the same payment channel. Refunded sales earn nothing for either of us. Disputes a customer raises about the WiFi service itself (speed, coverage, opening hours) are between you and your customer; disputes about the payment are handled with ModemPay.

Your responsibilities

• You own or lawfully control the router and the internet connection you resell.
• You set your own package prices and are responsible for honouring what you sell.
• You are responsible for any taxes, levies, or regulatory obligations that apply to your business and its income.
• You must comply with the laws of The Gambia, including any telecommunications rules that apply to offering public WiFi.
• You will not misrepresent MikroPay — for example, MikroPay itself is not licensed by the Central Bank of The Gambia and you must not claim otherwise; payment processing is provided by ModemPay under its licence.

Acceptable use

You must not use MikroPay to:

• process payments for anything other than WiFi access sold through the platform;
• commit fraud, launder money, or evade sanctions;
• interfere with the platform, other tenants, or the payment infrastructure; or
• resell platform access in a way that hides who is operating the hotspot.

Availability

The platform is provided as is. We work to keep it running around the clock but do not guarantee uninterrupted availability — of the platform, of the payment networks, or of your own router and internet connection. Your router keeps serving WiFi as a normal router even when the platform is unreachable; only new paid sessions are affected during an outage.

Suspension and leaving

We may suspend or close an account that breaches these terms, is used fraudulently, or creates risk for the payment network — where practical we will warn you first. You can stop using MikroPay at any time: there is no lock-in, and disconnecting the platform leaves your router working as an ordinary MikroTik. Earnings already split to your mobile money account are yours regardless.

Liability

To the fullest extent the law allows, MikroPay’s total liability for any claim arising from the platform is limited to the platform fees MikroPay earned from your sales in the three months before the event giving rise to the claim. We are not liable for lost profits, lost customers, or losses caused by your internet connection, your router hardware, the mobile money networks, or events outside our reasonable control.

Changes to these terms

We may update these terms as the platform evolves. For material changes — including any change to the standard revenue split — we will notify you by email or in your dashboard at least 14 days before they take effect. Continuing to use the platform after that date means you accept the updated terms.

Governing law

These terms are governed by the laws of the Republic of The Gambia, and any dispute that we cannot resolve together falls under the jurisdiction of the courts of The Gambia.

Contact

Questions about these terms: support@mikropay.gm.