This policy explains how payment transactions are facilitated through ZamaSU, the role of third-party payment providers, how balances and transaction statuses are represented, and how payouts, refunds, reversals and top-ups are processed.
ZamaSU is a technology platform and marketplace that facilitates transactions between users, service providers, merchants, sellers, drivers and other participants on the platform.
ZamaSU does not take custody or possession of money belonging to users.
All monetary transactions made through the ZamaSU platform are processed through an approved third-party payment gateway or payment service provider where the relevant payment functionality is enabled.
Money paid through ZamaSU is received, processed, held where applicable, settled, refunded or paid out by the relevant payment gateway or payment service provider in accordance with that provider's terms, rules and regulatory obligations.
ZamaSU facilitates these transactions by sending payment instructions and receiving transaction status information through secure integrations with the payment provider.
A payment, top-up, payout, refund or other supported transaction is initiated through ZamaSU.
The authorised payment gateway or service provider processes the underlying financial transaction.
ZamaSU receives the payment-provider status and updates its platform ledger accordingly.
When a user initiates a payment through ZamaSU, the platform may create a payment request with the applicable payment gateway through an Application Programming Interface ("API").
The payment gateway is responsible for processing the financial transaction.
Depending on the services supported by the payment gateway, ZamaSU may use the payment provider's API to facilitate:
The payment methods displayed during checkout are the payment methods currently supported by the enabled payment provider.
Users must not transfer money directly to ZamaSU for the purpose of funding a wallet, paying for a job, purchasing goods, paying a provider or completing another marketplace transaction unless ZamaSU expressly introduces such a payment method through an authorised payment provider and updates these Terms accordingly.
Payment must be initiated using the payment options presented on the ZamaSU platform.
ZamaSU will not request users to upload proof of payment for manual EFT transactions as part of the normal platform payment process.
Where the Top-Up functionality is enabled, a user may initiate a top-up through the ZamaSU platform.
The top-up payment is processed by the enabled payment gateway.
ZamaSU sends the required transaction instruction to the payment gateway and receives confirmation of whether the transaction was successful, unsuccessful, cancelled, reversed or pending.
Any balance displayed by ZamaSU is a transactional or ledger representation of value processed through the relevant payment provider.
It does not represent money deposited with, held by or owed from a bank account operated by ZamaSU.
Availability of a top-up balance may depend on successful confirmation from the payment provider.
Where ZamaSU displays a "wallet", "available balance", "earnings", "funds", "credits" or similar amount, this constitutes a platform record of transactions, entitlements or amounts available for use or payout through the applicable payment provider.
The ZamaSU wallet is not:
Certain ZamaSU services may require payment to remain unavailable to the receiving party until a specified transaction condition has been met, for example completion of a job, confirmation of a delivery or completion of a marketplace sale.
Where such functionality is provided, the relevant payment gateway or payment service provider manages the underlying funds or payment status.
ZamaSU may maintain an internal transaction status such as:
Once the required condition has been satisfied, ZamaSU may send an API instruction to the payment provider authorising or requesting the next transaction step.
Where a user is entitled to receive money from a transaction, ZamaSU may initiate or facilitate a payout through the enabled payment gateway.
The user may be required to provide payment or banking information required by the payment provider.
ZamaSU may transmit the information necessary to process the payout to the payment provider through a secure API.
A payout displayed as submitted, processing or pending on ZamaSU is not considered completed until the relevant payment provider confirms successful completion.
Processing times may depend on the payment provider, banking network, destination institution, weekends, public holidays, verification requirements and other factors outside ZamaSU's control.
Where a refund is approved under ZamaSU's applicable cancellation, dispute, marketplace or refund rules, ZamaSU may submit a refund instruction to the relevant payment gateway through its API.
The payment gateway processes the refund using the payment method or payout mechanism supported by that provider.
The time required for a refund to become visible to a user may depend on the payment gateway, bank, card issuer or other financial institution.
A refund is considered completed when the payment provider confirms successful processing.
A transaction may fail, remain pending, be reversed or be declined by the payment gateway, issuing bank or other payment institution.
ZamaSU may display the status supplied by the payment provider but does not control the underlying banking or payment network.
Where ZamaSU has not received successful confirmation from the payment provider, ZamaSU may treat the transaction as unpaid or incomplete.
The transaction status received from the authorised payment provider will ordinarily be used to determine whether payment has been successfully processed.
Payments processed through ZamaSU may also be subject to the terms, privacy policy, processing rules and verification requirements of the relevant payment gateway or payment service provider.
By selecting and using a payment method provided through ZamaSU, the user authorises the information required for that transaction to be shared with the applicable payment provider.
The identity of the payment provider may be displayed during the payment process or within the relevant transaction information.
Card and payment credentials are entered into or processed by the authorised payment gateway or payment service provider.
ZamaSU may retain limited transaction information necessary to operate the platform, including:
| Record | Purpose |
|---|---|
| Transaction reference | Identification and reconciliation |
| Payment-provider reference | Payment-provider reconciliation |
| Amount | Transaction and accounting record |
| Date and time | Audit and transaction history |
| Transaction type | Classification of platform activity |
| Payer or recipient account identifier | Used where necessary for transaction processing |
| Payment status | Confirmation and platform processing |
| Refund status | Refund tracking and reconciliation |
| Payout status | Payout tracking and reconciliation |
| Reconciliation information | Operational, accounting and dispute purposes |
Such records are maintained for operational, security, dispute-resolution, accounting and legal purposes.
ZamaSU may charge platform, transaction, service, withdrawal, delivery or other fees where disclosed to the user before confirmation of the relevant transaction.
Where supported, ZamaSU may instruct the payment provider to allocate, deduct or settle applicable fees as part of the transaction.
Payment functionality depends on third-party payment infrastructure.
ZamaSU does not guarantee uninterrupted availability of a payment gateway, banking network or individual payment method.
A payment method may be temporarily or permanently enabled, disabled, replaced or restricted because of:
Where a payment service is unavailable, ZamaSU may prevent the affected transaction from being initiated until an authorised payment method becomes available.
ZamaSU maintains transaction and ledger records so that users can view the status and history of transactions performed through the platform.
Where there is a discrepancy between a ZamaSU transaction record and the confirmed transaction information received from the payment provider, ZamaSU may investigate and reconcile the transaction against the payment provider's records.
Use of the ZamaSU platform does not create a banker-customer, depositor, investment, credit or financial-advisory relationship between ZamaSU and a user.
ZamaSU's role is limited to providing the technology, marketplace functionality and transaction instructions required to facilitate supported transactions through third-party payment providers.