Conditions générales d'utilisation

1. Your relationship with Intram

1.1. About Intram

INTRAM is a company specializing in innovative and disruptive financial services. INTRAM is a Payment Service Provider (PSP), an intermediary that connects businesses or financial institutions with their clients for the payment of goods and services.

The Intram platform is a transactional platform offering financial services to African and international businesses and financial institutions. Intram is an aggregator that, in partnership with mobile money operators, money transfer services, and banks, enables national and international payments.

The Intram platform offers the following core solutions:

• WebPay: Receive payments on your website
• MobPay: Receive payments on your mobile application
• Collect: Digitize recurring or mass collections
• Push: Digitize mass disbursements

1.2. Privacy

The confidentiality and respect of your personal and payment data is important to Intram. Please consult our privacy policy for more details.

1.3. Intellectual property

The URLs of Intram websites, the name "Intram," and all logos of our products and services described on our websites are protected by copyright or constitute registered trademarks of INTRAM PayCfa. You may not copy, imitate, modify, or use them without our prior written consent.

1.4. Account transfer

You may not assign any rights or obligations or transfer your Intram account to a third party under this Agreement without the prior written consent of Intram.

1.5. Notifications

You agree that Intram may send you notifications by posting them in your Account, sending them to the email address or postal address listed in your Account, or by calling or sending you an SMS. Notifications sent electronically are considered received within 24 hours of sending.

1.6. Notifications to Intram

Any notification to Intram under this Agreement must be sent by email to legal@intram.org.

1.7. Transaction history

Unless your Account is restricted, you can access transaction payment details and other information related to your transaction history in your Account.

1.8. Agreement modifications

We may modify this Agreement at any time, including fees or charges applied to payments processed by Intram. We will notify you of modifications one (1) month before they take effect, except where required by law. If you refuse any modification, you must close your Account.

1.9. Prohibited activities

Intram must not be used for activities that violate any law, contract, or regulation, or in connection with transactions involving illegal products, stolen goods, hate-promoting items, or financial exploitation of criminal acts. Intram reserves the right to block accounts and funds in cases of suspected or confirmed fraud for up to 120 days.

1.10. Limitation of liability

Intram is not responsible for the non-delivery of goods or services paid through its platform, but a claim may be filed through Intram's customer service. Intram is responsible for the payment process and the connection between the business and its client.

1.11. Anti-money laundering

In accordance with UEMOA Directive No. 07/2002/CM/UEMOA on combating money laundering, Intram has implemented measures to prevent its services from being used for money laundering or other financial crimes, including compliance with reporting requirements to the CENTIF.

2. Account types and eligibility

2.1. Eligibility

To be eligible for a Business account, you must not be on Intram's blacklist, must have establishment documents in your country of activity, and must have a mobile phone number and email address. Intram reserves the right to accept or decline your application.

2.2. Account types

We offer two types of accounts: Client Account and Merchant Account. You may create multiple Merchant accounts for your different businesses from a single Client Account.

3. Payments

3.1. Payment methods

Intram provides users with payment methods integrated on its platform, with the exception of bank cards in certain countries.

3.2. Successful payments

When you receive a payment, you are notified on your dashboard, by email and/or SMS. The amount paid, minus Intram service fees, is automatically added to your Account balance.

3.3. Failed payments

If any step of the payment procedure fails (incorrect information, wrong code, insufficient balance, etc.), the transaction is automatically cancelled and your balance remains unchanged.

3.4. Processing times

Payments are processed automatically and confirmed instantly. Withdrawals to mobile money or cash generally do not exceed 24 hours; bank transfers in the UEMOA zone take up to 72 hours.

3.5. Currency

Intram currently supports only XOF (West African CFA Franc). Any amount in foreign currency must be converted to XOF before being sent to Intram.

4. Contract duration and account management

This Agreement comes into force when you create an Account and remains in effect until the Account is terminated. You may close your Account at any time via Settings. You may also suspend your Account, preventing further transactions while keeping the agreement valid.

5. Commissions

Commissions are deducted from each transaction from the recipient. The payer pays the exact net amount. Additional fees may apply for cross-border transfers, currency conversion, or optional services.

6. Errors and unauthorized transactions

You can review your transaction history at any time. Notify Intram immediately if you believe an unauthorized transaction has occurred, unauthorized access has been made to your Account, or your device has been lost or stolen.