Legal
Terms & Conditions
Effective Date: 12 March, 2026 | Last Updated: 25 March, 2026
Please read these Terms of Use ("Terms") carefully before using the RoviPay platform, operated by Aldenfort Ltd ("RoviPay", "we", "us", or "our"). These Terms govern your access to and use of rovipay.ng and the RoviPay mobile application (collectively, "the Platform").
By creating an account, accessing, or using any part of the Platform, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Platform.
Introduction
Company
Aldenfort Ltd
RC Number
RC 8976948
Registered Address
Abuja, Nigeria
Platform
rovipay.ng (web) and RoviPay mobile app (iOS and Android)
Contact Email
support@rovipay.ng
Legal Email
legal@rovipay.ng
User Eligibility
To use RoviPay, you must meet all of the following requirements:
- check_circleYou must be at least 18 years of age.
- check_circleYou must be a Nigerian citizen or resident, or a Nigerian diaspora member accessing the Platform from abroad.
- check_circleYou must have a valid Nigerian Bank Verification Number (BVN) or National Identification Number (NIN) for identity verification.
- check_circleYou must have the legal capacity to enter into a binding agreement under Nigerian law.
- check_circleYou must not have been previously suspended or banned from using the RoviPay Platform.
Account Registration & KYC
2.1 Creating an account
To access RoviPay's services, you must register for an account by providing accurate, current, and complete information including your phone number, full name, and identity verification details (BVN or NIN).
2.2 Identity verification (KYC)
You must successfully complete our Know Your Customer (KYC) process powered by YouVerify before you can fund a wallet, generate a virtual card, or make any payments on the Platform. Providing false or fraudulent information during KYC is a violation of these Terms.
2.3 Account security
You are responsible for maintaining the confidentiality of your account credentials, including your login details and transaction PIN. RoviPay will never ask for your transaction PIN via email, SMS, phone call, or any channel other than within the Platform itself.
2.4 One account per user
Each user is permitted to hold only one RoviPay account. Creating multiple accounts is a violation of these Terms.
Services Offered
| Service | Description |
|---|---|
| Naira Wallet | Fund a Naira wallet via bank transfer or debit card through Flutterwave. View balance and transaction history. |
| USD Virtual Card | Instantly generate a USD virtual Visa/Mastercard powered by Maplerad, funded from your Naira wallet at a displayed exchange rate. |
| Airtime & Data | Purchase airtime and mobile data bundles for MTN, Airtel, Glo, and 9mobile from your wallet via VTU.ng. |
| Electricity Bills | Pay prepaid and postpaid electricity bills for all Nigerian DisCos via VTU.ng. |
| Cable TV | Pay DSTV, GOTV, and Startimes subscriptions via VTU.ng. |
| Betting Wallet Funding | Fund betting accounts on Bet9ja, Sportybet, 1xBet, BetKing, BetWay, and MSport via VTU.ng. |
Transaction Fees
RoviPay does not charge a subscription or account maintenance fee. Our revenue is generated through an FX margin on virtual card funding and small transaction fees on certain bill payment categories.
Virtual Cards
0.00%
No subscription or maintenance fee
FX Margin
Displayed
Shown transparently before every transaction
You will always see the full cost of a transaction — including any applicable fees or FX margin — before you confirm it. You will never be charged a hidden fee.
Wallet, Transactions & Limits
Wallet funding: You may fund your Naira wallet via bank transfer to your dedicated virtual account number or via debit card. All funding is processed by Flutterwave.
Transaction limits: Minimum and maximum amounts per transaction, daily limits, and monthly limits apply. Current limits are displayed within the Platform.
Failed transactions: RoviPay will investigate and process a reversal within 3–5 business days. Contact support@rovipay.ng with your transaction reference.
No cash withdrawals: Your RoviPay wallet is not a bank account. Wallet balances can only be used for services available within the Platform.
USD Virtual Card
Your USD virtual card is issued by Maplerad and is subject to Maplerad's card issuance terms in addition to these Terms.
Permitted use
Your RoviPay USD virtual card may be used for legitimate international purchases on platforms that accept Visa/Mastercard, including visa application fees, international exam fees, university application fees, software subscriptions, and online shopping.
Prohibited use
- blockAny illegal transaction or activity under Nigerian law or applicable local laws.
- blockPurchasing prohibited goods or services including narcotics, weapons, or counterfeit goods.
- blockMoney laundering, terrorist financing, or any activity that violates AML/CFT regulations.
- blockTransactions on platforms or merchants prohibited under CBN regulations.
Report unauthorized card transactions within 48 hours at support@rovipay.ng.
Acceptable Use Policy
- warningUse the Platform to commit fraud, impersonate another person, or provide false identity information.
- warningAttempt to gain unauthorized access to any part of the Platform, its servers, or any connected systems.
- warningUse automated tools, bots, or scripts to access the Platform without our prior written consent.
- warningReverse engineer, decompile, or attempt to extract the source code of the RoviPay application.
- warningEngage in any transaction or activity that violates Nigerian AML/CFT regulations or applicable international sanctions.
Suspension & Termination
RoviPay may suspend or restrict your account immediately if we detect fraudulent activity, you violate these Terms, we are required to do so by a regulatory authority, or your account is flagged during an AML/CFT review.
You may close your RoviPay account at any time by contacting support@rovipay.ng. Certain records must be retained for a minimum of 5 years after account closure.
Intellectual Property
All content, features, functionality, branding, logos, trademarks, and technology on the RoviPay Platform are the exclusive property of Aldenfort Ltd or its licensors. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Platform solely for its intended purposes as described in these Terms.
Disclaimers & Limitation of Liability
AES-256
Zero Trust
SOC2 Type II
RoviPay strives to maintain Platform availability but does not guarantee uninterrupted, error-free service. RoviPay is not responsible for failures, outages, or delays caused by third-party systems including Maplerad, Flutterwave, VTU.ng, and YouVerify.
Our total liability to you for any claim arising from your use of the Platform shall not exceed the total fees paid by you to RoviPay in the 3 months preceding the event giving rise to the claim, or ₦50,000, whichever is greater.
Indemnity
You agree to indemnify, defend, and hold harmless Aldenfort Ltd, RoviPay, and its directors, officers, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, and expenses arising from your use of the Platform, your violation of these Terms, or any fraud conducted through your account.
Governing Law & Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any dispute shall be subject to the exclusive jurisdiction of the Nigerian courts.
Before initiating formal legal proceedings, contact RoviPay at legal@rovipay.ng to attempt to resolve any dispute informally. We will endeavour to respond within 10 business days.
Changes to These Terms
RoviPay reserves the right to update or modify these Terms at any time. When we make material changes, we will notify you by email or phone and display a prominent notice within the Platform for at least 14 days before the changes take effect.
Contact Us
General Support
Legal Notices
Privacy Concerns
Company
Aldenfort Ltd, Abuja, Nigeria
Phone
+234 812 456 6929