All transactions on our platform are processed securely through approved payment channels. This policy outlines the rules, accepted methods, and what happens when things go wrong.
Last Updated: Dec 7th, 2025
This Payment Policy explains how payments are processed on Ajaro. All payments on the platform are handled directly by Ajaro to ensure buyer safety, fraud prevention, and fast dispute resolution.
1. Accepted Payment Methods
Buyers can complete orders using any of the secure payment methods supported on Ajaro:
- Debit/Credit Cards (Visa, MasterCard, Verve)
- Bank Transfers (via supported checkout gateways)
- Mobile Money/Wallets (if enabled)
- Verified third-party payment processors approved by Ajaro
Note: Cash payments, direct vendor transfers, or payments outside the platform are strictly prohibited.
2. How Payments Work
- All payments are made directly to Ajaro during checkout.
- Vendors DO NOT receive payment directly from buyers.
- Funds are held securely until the buyer confirms delivery, or the system auto-confirms after a set period.
- After confirmation, vendors receive payouts through their registered payment details.
3. Payment Confirmation
Once your payment is successful, Ajaro will send:
- A payment confirmation email or SMS
- An order receipt
- Real-time status updates in your account dashboard
If you do not receive a confirmation within minutes, contact support immediately.
4. Failed or Declined Payments
If a payment fails or is declined:
- Your order will not be processed
- You may retry using another payment method
- Your bank may temporarily hold funds (pending reversal)
Reversals for failed transactions are handled automatically by your bank/payment processor and may take 24 to 72 hours, depending on your bank.
5. Refunds
Refunds are only issued under the following conditions:
- Item was not delivered
- Item delivered is damaged or incorrect
- Refund approved after a valid return request
Refunds are returned only through the same payment method used during checkout.
Refund processing time depends on the payment processor:
- Cards: 3 to 7 working days
- Bank Transfers: 1 to 3 working days
- Wallets: Instant or up to 24 hours
6. Prohibited Payment Practices
For buyer protection, the following are NOT allowed:
- Paying vendors directly via bank transfer
- Paying vendors through WhatsApp or social media
- Paying outside Ajaro checkout system
- Sharing payment receipts or card details with vendors
If any vendor asks you for outside payment, report immediately using the Report Vendor button or contacting support.
7. Chargebacks & Fraud
Ajaro has zero tolerance for fraudulent chargebacks or payment disputes.
If a chargeback is filed without a valid reason:
- Your account may be suspended
- Orders may be frozen
- Legal actions may be taken depending on severity
Legitimate disputes will always be resolved fairly according to platform rules.
8. Security Measures
Your payments are protected using:
- PCI-DSS certified payment gateways
- SSL/HTTPS encrypted checkout
- Fraud detection and monitoring systems
- Verification of vendors before payouts
Ajaro never stores your full card details, CVV, or PIN.
9. Updates to This Policy
We may update this Payment Policy occasionally to improve buyer safety. Changes will be posted with a new Last Updated date.
10. Contact Us
For payment-related issues or questions:
Email: support@ajaro.com.ng
Phone: +2348107541411
Website: ajaro.com.ng/contact-us