Legal

Privacy policy

This policy describes how Morapay (“we”, “us”) handles personal information when you use morapay.io, the Morapay app, hosted checkout, and the business dashboard.

Who we are

Morapay operates payment and payout services from Accra, Ghana. For privacy questions, email hi@morapay.io or support@morapay.io.

What we collect

Account data: name, email, phone, company, and KYB/KYC documents you submit
Transaction data: amounts, currencies, rails, wallet addresses, MoMo numbers, references
Technical data: IP address, device, logs, and cookies needed to run the site
Support data: messages you send via the contact form or email

How we use it

We use this information to provide checkout and payouts, prevent fraud, meet AML/KYC obligations, send transactional email (including contact confirmations), and improve the product. We do not sell personal data.

Who we share with

We share data with payment partners and infrastructure providers only as needed to move money or host the service (for example mobile-money processors, on-ramps, cloud, email delivery). Lawful requests from regulators may also require disclosure.

Retention

We keep transaction and identity records for as long as required by payments and AML rules, then delete or anonymise them. Marketing-site contact tickets are kept to handle your request and for a reasonable support history.

Your choices

You can ask for a copy of your data, a correction, or deletion where the law allows — some records must be kept for compliance. Cookie banners, where shown, let you limit non-essential cookies.

Security

We use access controls, encryption in transit, and least-privilege ops access. No method of transmission is perfectly secure; protect your dashboard credentials and never share wallet recovery phrases with anyone claiming to be Morapay.

Last updated: 27 August 2026