Terms of Service

Who we are

Samsoftpay is operated by Sam Software Co Ltd, a company registered in Uganda (URSB), based in Kampala. Contact: samsoftware75@gmail.com · Tel/WhatsApp +256 783 647260.

The service

We provide payment collection (MTN Mobile Money and crypto) and disbursement services for merchants in Uganda, through an API, hosted checkout pages and a merchant dashboard. Airtel Money and card payments are in development and are not yet available for live transactions.

Fees

Collections: 1.5% per successful charge, minimum UGX 200, capped at UGX 5,000. Payouts/disbursements: the same 1.5% (min UGX 200, cap UGX 5,000), no flat fee. No monthly or setup fees, and no charges beyond applicable URA taxation. Fees are deducted from the collected amount before settlement; the fee schedule in force at the time of a transaction applies to that transaction.

Settlement

Collected funds are held for a 24-hour settlement hold after a successful charge, then become available for withdrawal. Every transaction is recorded on a double-entry ledger and reconciled against the mobile-money network's own records.

Refunds

Refunds are initiated by the merchant (via the dashboard or API) and return the net collected amount to the customer's mobile-money account. The original processing fee is not returned.

Merchant obligations

Merchants must provide accurate business information, complete verification (KYC) before moving live money, keep API keys confidential, and use the service only for lawful commerce. We may suspend accounts that breach these terms or that we reasonably suspect of fraud or money laundering.

Liability

We provide the service with reasonable skill and care. We are not liable for losses caused by the mobile-money network's outages, by incorrect recipient details supplied to us, or for indirect or consequential loss. Nothing in these terms excludes liability that cannot be excluded under Ugandan law.

Governing law

These terms are governed by the laws of the Republic of Uganda. Questions or disputes: contact us first at samsoftware75@gmail.com — we respond within two business days.