Merchant Agreement

These public merchant terms explain the baseline conditions for applying to use Billie merchant services in Zimbabwe. A merchant is not approved for live processing merely by submitting a registration form.

By submitting merchant onboarding data, the applicant confirms that it is authorised to apply, the supplied information is accurate, and Billie may verify the application before enabling services.

Billie merchant onboarding is subject to KYB approval, settlement validation, and risk review. Billie may request additional documents, reject incomplete applications, set limits, or require enhanced review before activation.

Merchants must sell lawful goods and services, keep business and settlement details current, protect customer data, honour refund and dispute duties, and avoid misuse of Billie checkout, API keys, webhooks, or payout workflows.

Operational access depends on evidence quality, risk category, technical readiness, and settlement controls.

• KYB documents must match the merchant legal identity and may be rechecked during periodic review.
• Settlement accounts must belong to the approved merchant or another approved platform entity.
• Billie may hold, reverse, or reserve funds for refunds, disputes, suspected fraud, chargebacks, or regulatory instructions.
• API keys, credentials, and webhook secrets must be kept confidential and rotated when compromise is suspected.

Live payment processing, settlement, float handling, refunds, reversals, and payout services are subject to partner-bank and RBZ requirements, including any approval, reporting, consumer-protection, AML, or operational controls that apply.

Placeholder disclosure: this page does not claim that Billie, KENAC Zimbabwe, or any merchant holds a specific RBZ licence, approval, or licence number. Final wording must be updated after compliance confirms the operating model and bank sponsorship language.

Billie may keep merchant application data, KYB evidence references, approval decisions, API custody events, settlement changes, support cases, and audit logs to operate the platform and evidence compliance.

Personal data connected to merchant onboarding is handled under the Billie Privacy Notice and the final KENAC Zimbabwe data-protection schedule.

Billie may suspend or reject access where information is false, incomplete, high risk, unlawful, inconsistent with partner-bank requirements, or unsafe for customers or the platform.

Merchant disputes should be raised through Billie support with the merchant reference, transaction or application reference, supporting evidence, and the requested outcome.