Terms & Disclaimer
Last updated 10 November 2026
The short version
- Kaya 9ja provides online shop software. We are not the seller of anything listed in a shop.
- When you buy, you buy directly from the shop owner and pay into their bank account. Kaya 9ja never receives, holds or refunds your money.
- Questions about products, delivery, returns or refunds go to the seller.
- A Verified badge means we checked the seller's documents. It is not a guarantee.
- “Sponsored” listings are paid adverts, not recommendations.
1. What Kaya 9ja is
Kaya 9ja is a software platform that lets independent businesses (“sellers”) create online shops, take orders, record in-store sales and publish their bank details for payment. Each shop is owned and run by its seller. Kaya 9ja is not a party to any sale between a seller and a buyer, is not an agent of either, and is not a bank, payment service, escrow service or delivery company.
2. Payments
Buyers pay sellers directly: by bank transfer into the account the seller has entered, on delivery where the seller allows it, or online by card, transfer or USSD through the seller's own Paystack account (Kaya 9ja only starts the checkout and confirms the result). Kaya 9ja does not receive, hold or control these payments and cannot reverse, refund or recover them. Kaya 9ja will never ask you to pay into any account other than the one shown on the seller's order page. The only payments Kaya 9ja receives are subscription and advertising fees paid by sellers through Paystack.
3. Seller responsibilities
- Sellers are solely responsible for their products, prices, descriptions, stock, delivery, returns, refunds, customer service, taxes, and any licences or permits their business needs.
- Sellers must only sell lawful goods and services. Prohibited items include counterfeit goods, weapons, illegal drugs, prescription-only medicines without authorisation, stolen goods, and anything banned under Nigerian law.
- Sellers must give accurate business details. False documents, fraud or misleading listings lead to suspension and may be reported to the appropriate authorities.
- Sellers are responsible for keeping their account login secure and for all activity on their shop.
4. What the Verified badge means
Sellers can ask to be verified by submitting their Corporate Affairs Commission (CAC) registration (RC or BN number and certificate) and a valid government ID of the owner (NIN, driver's licence, international passport or voter's card). Unregistered sellers may be verified with ID only. Our team reviews these documents by hand.
Verified means that, at the time of review, the documents appeared genuine and matched the seller's details. It does not mean Kaya 9ja guarantees, endorses or insures the seller, their products or any transaction, or that their circumstances have not changed since. Shops without the badge have not been checked by us, which does not by itself mean they are untrustworthy. We may remove a badge at any time.
5. Adverts
Shops marked “Sponsored” have paid for that position. Sponsored placement is not an endorsement or recommendation by Kaya 9ja. Advertising fees are paid once, are non-refundable once the advert has started, and Kaya 9ja may pause or remove adverts that break these terms.
6. Shopping safely
- Prefer shops with the Verified badge, especially for large orders.
- Check that the bank account name matches the business before you transfer.
- For a new seller, start with a small order, or ask about payment on delivery or pickup.
- Chat with the seller on WhatsApp before paying if anything is unclear.
- Never share your bank PIN, OTP or card details with anyone.
- If a deal looks too good to be true, it probably is. Report suspicious shops to us. If you have been defrauded, contact your bank immediately and report to the police.
7. Limitation of liability
Kaya 9ja is provided “as is”. To the fullest extent allowed by law, Kaya 9ja is not liable for any loss arising from transactions between buyers and sellers, including non-delivery, defective or misdescribed goods, failed or mistaken transfers, or fraud by a seller or buyer. Nothing in these terms limits any rights you have under the Federal Competition and Consumer Protection Act 2018 or other law that cannot be excluded.
8. Your data
We store the details needed to run shops and process orders. Order details you enter at checkout are shared with the seller you buy from. Verification documents are stored privately and seen only by our review team. We handle personal data in line with the Nigeria Data Protection Act 2023.
10. Changes & contact
We may update these terms and will change the date above when we do. Continuing to use Kaya 9ja means you accept the updated terms. To report a shop or ask a question, contact the Kaya 9ja team.