Terms of Service

1. About these terms

These terms are an agreement between you and MavSol Pay ("we", "us") covering your use of the MavSol Pay app and website at pay.mavsolgh.com. By creating an account or using a virtual card funded through the app, you accept these terms.

MavSol Pay helps you create virtual cards and fund them with Mobile Money (MTN MoMo, Telecel Cash or AirtelTigo Money). We are not a bank. Cards are issued through our card issuing partner, and Mobile Money payments are processed by a licensed payment provider.

2. Your account and verification

You must provide accurate information when you sign up, including your name, phone number and email address. One person may hold one account.

Before your first card payment, you must verify your identity with your Ghana Card and a selfie. Each Ghana Card can be linked to only one account. We may decline verification, freeze your account, or close it if we cannot confirm your identity or if we suspect fraud.

3. Fees and pricing

Creating a virtual card costs a one-time GH₵ 50 card creation fee. The card starts with a $0 balance.

A 1.08% transaction fee is added on top of wallet top-ups, the card creation fee and card top-ups. For example, a GH₵ 100 card top-up charges GH₵ 101.08 in total.

The minimum card top-up amount is set by us and shown on the payment screen before you pay. Amounts you enter in Ghana cedis are converted to US dollars at the exchange rate shown in the app at the time of payment.

There are no monthly or hidden fees. Your Mobile Money provider may charge its own standard fees, which we do not control.

4. Payments and your wallet

You can pay with Mobile Money (you approve the prompt on your phone) or from your MavSol Pay wallet balance. A payment is only complete when we confirm it. Money in your wallet stays there and is applied to card fees and card top-ups you authorise.

If a payment is approved on your phone but your card is not funded, contact us with the payment reference and we will either fund the card or refund you after confirming the payment.

5. Virtual cards

Virtual cards are for lawful online payments only. You may not use them for gambling, money laundering, fraudulent purchases, cryptocurrency purchases where prohibited, or anything illegal under the laws of Ghana or the card issuer's jurisdiction.

We may freeze, close or delete a card — and suspend your account — if we reasonably suspect fraud, prohibited use, or a chargeback pattern, or to comply with legal requirements. Card balances on cards closed for prohibited use may be held while we investigate.

Card details are shown only to you inside the app. Keep them secret. You are responsible for payments made with your card details, including if you share them with someone else.

6. Refunds and disputes

Money you load onto a card belongs to you, and we will refund unused card balances to your wallet or Mobile Money number when a card is closed at your request, subject to any checks we need to run.

For refunds from a merchant, ask the merchant first. If a merchant refuses a legitimate refund, contact us and we will raise it with our card issuing partner, but we cannot guarantee the outcome.

7. Ending your account

You can stop using MavSol Pay at any time. We may suspend or close your account if you break these terms, fail verification, or for legal reasons. Where possible, we will return any wallet and card balance to your Mobile Money number before closing your account.

8. Liability and changes

We provide the service "as is". To the extent permitted by law, we are not liable for losses caused by Mobile Money network delays, merchant disputes, exchange-rate movements, or your own sharing of card details. Nothing in these terms limits liability we cannot exclude by law.

We may change these terms and our fees. Material changes will be announced in the app at least 7 days before they take effect. Continuing to use the app after a change means you accept it.

9. Contact

Questions about these terms: email solomonmaverick@gmail.com with your account email and, if relevant, your payment reference.