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Merchant Service Agreement &Privacy Policy

Last updated: September 23, 2025

Terms of Use

1. Acceptance of Terms

This Merchant Service Agreement ("Agreement") is a legal agreement between SenjaroPay (together with its subsidiaries, affiliates, successors and assigns) And You (hereinafter referred to as the Merchant), as a user in order for You to receive certain payment gateway services and other services offered by SenjaroPay and or its subsidiaries and affiliates.

SenjaroPay and Merchant are herein referred to collectively as "Parties" and individually as "Party", whereas:

  • -: SenjaroPay is an integrated payment and transaction processing company that provides technology integration, advisory products and services, and transaction processing and payment infrastructure to individuals, government and corporate organizations across various sectors and has developed and owns an e-commerce service that authorizes payments for merchants.
  • -: SenjaroPay is in collaboration with the acquiring Bank to provide a Payment service gateway to Merchants.
  • -: The Merchant is desirous to partner with SenjaroPay to use its Payment Gateway to process payment from its customers.
  • -: The Parties have agreed to work together in the development and production of certain technical, payment and financing products and have entered into this Agreement for the purpose of documenting their common intention.

2. Definitions

In this Agreement, the following definitions apply:

3D-Secure means the backup two (2) levels of security which must include delivery of a dynamic code in a card transaction

Acquiring Bank means the financial institution/bank institution that processes credit or debit card payments on behalf of a merchant.

Affiliate means, in relation to any Party, any entity in the same group as that Party, including but not limited to a subsidiary or a holding company of that Party and any direct or indirect subsidiaries of such holding company;

Agreement means this Merchant Service Agreement and any supplements, appendices, amendments, modifications, extensions and revisions therein;

API means Application Program Interface belonging to SenjaroPay for the purpose of providing the Services

Applicable Law(s) includes, without limitation, all legislation, regulations, codes, guidelines, rules, policies, circulars and directives of any competent regulatory authority in the United Republic of Tanzania (Mainland and Zanzibar, as applicable), including the Bank of Tanzania (BoT) requirements under the National Payment Systems Act, 2015 and related instruments (covering payment system operations, payment service providers, electronic money and the Tanzania Instant Payments System (TIPS)); the Personal Data Protection Act, 2022 and its subsidiary regulations; and the Electronic and Postal Communications Act, 2010 and regulations issued by the Tanzania Communications Regulatory Authority (TCRA) with respect to electronic communications and online services; together with any successor or amending legislation, regulation, code, guideline, rule, policy or directive applicable to the deployment or operation of the Core IT Banking Solution and any Services under this Agreement, and any court decision having the force of law in Tanzania.

3. Non-exclusivity

SenjaroPay hereby grants the Merchant the non-exclusive right to channel its customers through the Payment Gateway.

4. Data Security

Each Party is responsible for ensuring data security on their platform/website and for all data and confidential information acquired pursuant to this Agreement. Each Party shall be and remain compliant with the Payment Card Industry Data Security Standard (PCI/DSS) requirement to the extent applicable to that Party and prior to such Party accessing any payment cardholder data or credit card information, as such requirements may be amended from time to time.

5. Term

This Agreement shall commence from the date of the last signature ("Effective Date") and shall continue for a period of twelve (12) months ("Initial Term") unless any Party terminates the Agreement in accordance with this Agreement.

Upon expiry of the initial term, this Agreement shall automatically renew for successive one (1) year periods until terminated in accordance with this Agreement.

Privacy Policy

1. SenjaroPay's Obligations

SenjaroPay hereby agrees to:

  • -: work with Acquiring Bank to ensure that settlements of all monies collected by the Merchant is handled in a timely manner in accordance with Applicable Law and Payment Scheme Rules;
  • -: grant to the Merchant and the Merchant hereby accepts from SenjaroPay limited, non-exclusive, non-transferable license and right to the SenjaroPay API and accompanying integration technical specification in respect of this Agreement subject to the Merchant's acceptance of the SenjaroPay Terms and Conditions;
  • -: work with the Merchant to provide the requisite integration technical specification and APIs in respect of the Payment Gateway subject to the Merchant's acceptance of SenjaroPay Terms and Conditions;
  • -: work with the Merchant to provide fraud protection and compliance support to the Merchant subject to the Merchant's acceptance of the SenjaroPay Terms and Conditions;
  • -: set-up the Merchant on SenjaroPay Payment Gateway;
  • -: develop and provide card & token processing API's for all SenjaroPay Payment Scheme and tokens in the market of scope;
  • -: provide technology support to the Merchant on a discretionary basis;
  • -: provide post-implementation support to the Merchant and its customers;
  • -: to maintain an open communication channel with the Merchant to discuss future joint product designs for future initiatives that both Parties can benefit from, and to discuss joint press announcements;
  • -: handle settlement of all monies collected by Merchants to Merchant's bank account in Merchant's preferred bank;
  • -: advise Merchant by email on the start date, upon successful completion of the pre-go live UAT, to carry out a controlled end to end test in the live environment with selected internal users only within Merchant's organization for a period of one or two weeks in order to certify that the entire project implementation is successful and satisfactory with sign off by Merchant;
  • -: provide adequate technical support for the test duration where applicable during the implementation of the task stated in clause 5.11 above.

2. The Merchant's Obligations

The Merchant hereby agrees:

  • -: to offer the SenjaroPay infrastructure as method to route supported cards, payment methods & tokens originated transactions through the provided APIs in supported countries as mutually agreed upon;
  • -: to work with SenjaroPay to implement the 3D-Secure on its site to certify Customer transactions;
  • -: to respond to all fraud enquiries not later than two (2) Business Days of receipt of such enquiry,
  • -: to respond to all Chargebacks enquiries with sufficient proof and evidence of value/service delivery within two (2) Business Days of receipt of such enquiry;
  • -: that for any undisputed Chargebacks, the Merchant will be liable and would have to provide an equivalent sum for Chargebacks;
  • -: that for all disputed Chargebacks for which 3D-Secure was used, the Chargebacks shall be subject to arbitration with the Payment Scheme;
  • -: to promptly notify SenjaroPay of any security breach, misuse, irregularity, suspected fraudulent transaction or suspicious activities that may be connected with attempts to commit fraud or other illegal activity through the use of Merchant's site and the corrective action the Merchant has taken;
  • -: to authorise SenjaroPay to debit the nominated bank settlement account for the full value plus other lawful charges in respect of all lawful transaction where the Cardholder is adjudged by the Payment Scheme to be entitled to a refund;
  • -: to ensure adequate fraud protection and compliance to regulatory and Payment Scheme rules and requirements;
  • -: to notify SenjaroPay of any change in the Merchant's registered office address, Merchant's activities and/or line of business prior to such change.

3. Fees & Revenue Share

The fee structure under this Agreement is structured in Annexure 1 and as may be updated from time to time on https://senjaropay.com/tz/pricing

The Merchant may markup fees to its Customers without recourse to SenjaroPay.

The Merchant hereby gives SenjaroPay full permission and authorization to receive all settlements and collections on its behalf, from the Acquiring Bank, and to liaise with the Acquiring Bank, in order to make all due settlements to it, and on its behalf, through the SenjaroPay platform.

4. Rolling Reserve

Where applicable, SenjaroPay shall maintain a 180-day rolling reserve of funds to be settled to the Merchant upon accumulation of the Risk Deposit Amount.

The rolling reserve shall be 10% of all the transactions from the Merchant's Customers during the calendar month.

SenjaroPay shall be entitled to use the 180-day rolling reserve to cover any Card Chargebacks or Refunds or any fees/fines imposed on the SenjaroPay due to the breach of the Agreement by the Merchant.

The 10% rolling reserve shall be released on day 181 to the Merchant's bank account.

5. Termination

Either Party may terminate this Agreement forthwith by giving notice in writing to the other Party if:

  • -: the other Party takes any step or action in connection with its entering administration, provisional liquidation or any composition or arrangement with its creditors (other than in relation to a solvent restructuring), being wound up (whether voluntarily or by order of the court, unless for the purpose of a solvent restructuring), having a receiver appointed to any of its assets or ceasing to carry on business or, if the step or action is taken in another jurisdiction, in connection with any analogous procedure in the relevant jurisdiction; or
  • -: the other Party suspends, or threatens to suspend, or ceases or threatens to cease to carry on all or a substantial part of its business.

This Agreement may also be terminated forthwith by any of the Parties on giving written notice to the other, if the other Party is in material breach of the terms of this Agreement and has failed to rectify such breach (in the case of a breach capable of being remedied) within ten (10) Business Days of receiving a written notice requiring it to do so.

Contact Information

If you have any questions about this Merchant Service Agreement or Privacy Policy, please contact us:

Company: SenjaroPay TECHNOLOGY SOLUTIONS LIMITED

Address: OysterPearl Galleria, Mezzanine Floor M006, Chole Rd, Masaki, Dar es Salaam

Email: [email protected]

Attention: Managing Director

Changes to Terms

This Agreement may not be modified except by an instrument in writing signed by duly authorized representatives of each of the Parties. We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the new terms on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.

The respective rights of the Parties (whether arising under this Agreement or under the applicable law) shall not be capable of being waived or varied otherwise than by an express waiver or variation in writing; and in particular any failure to exercise or any delay in exercising any of such rights shall not operate as a waiver or variation of that or any other such right; any defective or partial exercise of any of such right shall not preclude any other or further exercise of that or any other such right; and no act or course of conduct or negotiation on the part of either Party shall preclude them from exercising any such right or constitute a suspension or variation of such right.