This Payment Policy governs all payment transactions conducted through the Zefix ecommerce platform and forms an integral part of the Zefix Terms and Conditions of Sale.

Given the transactional value and technical nature of automotive spare parts, Zefix applies structured payment verification procedures to minimize fraud risk and ensure secure commercial operations within the Republic of Ghana.

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Zefix accepts the following payment methods:

• Mobile Money (MTN, Vodafone, AirtelTigo)
• Bank transfer (where expressly offered)
• Cash on Delivery (if and when made available at checkout)

Zefix reserves the right to modify, restrict, or discontinue any payment method at its discretion.

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Mobile Money is the primary payment method offered by Zefix.

Orders paid via Mobile Money shall only be processed and dispatched after successful confirmation of funds receipt.

Zefix does not store confidential Mobile Money authentication credentials. Transaction confirmation references, timestamps, and payment status records may be retained for accounting, fraud prevention, and dispute resolution purposes.

The Customer represents and warrants that:

• They are the lawful holder of the Mobile Money account used for payment;
• The payment has been authorized by the account holder;
• The payment method has not been used fraudulently.

In the event of suspected unauthorized use or fraudulent activity, Zefix reserves the right to suspend order processing pending verification.

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Zefix reserves the right to conduct payment verification procedures prior to dispatch, including:

• Contacting the Customer to confirm transaction details;
• Requesting additional identification where risk indicators are present;
• Delaying dispatch pending confirmation from payment service providers.

Orders may be cancelled where payment verification fails or where reasonable suspicion of fraud exists.

Where fraudulent activity is suspected, Zefix reserves the right to report the matter to relevant authorities within Ghana.

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Given the increasing risk of Mobile Money payment reversals and transaction disputes, Zefix applies strict controls regarding chargebacks.

Where a Customer initiates a payment reversal or unauthorized dispute after confirmed delivery of the Product, Zefix reserves the right to:

• Suspend future transactions with the Customer;
• Pursue recovery of the delivered Product or outstanding amount;
• Initiate civil or criminal proceedings as permitted under Ghanaian law.

Zefix maintains transaction records and delivery confirmations to defend against improper reversal claims.

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Where Cash on Delivery (“COD”) is available:

• The Customer must ensure full payment at the time of delivery;
• Failure to pay upon delivery shall constitute refusal of the Order;
• Zefix reserves the right to restrict COD eligibility for Customers with prior failed deliveries.

Repeated refusal of COD deliveries may result in permanent suspension of COD privileges.

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Where bank transfer is offered:

• Payment must be completed within the timeframe specified in the order confirmation;
• Orders will not be dispatched until funds are cleared;
• Delayed transfers may result in automatic cancellation of the Order.

The Customer is responsible for ensuring that the correct payment reference and Order number are included in the transfer details.

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In the event of a manifest pricing error, whether due to technical malfunction or human oversight, Zefix reserves the right to cancel the Order and refund the amount paid.

No contract shall be deemed concluded where the price displayed was clearly erroneous and would have been recognized as such by a reasonable person.

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Where refunds are approved in accordance with the Returns and Refund Policy:

• Refunds shall be processed via the original Mobile Money account used for payment, or
• Via bank transfer where appropriate and agreed.

Refunds shall not include delivery fees unless the return arises solely from an error attributable to Zefix.

Refund processing timelines may take up to seven (7) business days following inspection approval.

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All prices displayed on the Platform are stated in Ghanaian Cedi (GHS) and include applicable statutory taxes unless otherwise specified.

Zefix may issue electronic invoices or receipts for all completed transactions. Customers are responsible for retaining transaction documentation for personal recordkeeping purposes.

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Zefix implements reasonable technical safeguards to ensure secure transaction processing. However, Zefix shall not be liable for losses resulting from:

• Customer negligence in protecting account credentials;
• Unauthorized third-party access arising from compromised devices;
• Telecommunications network failures outside the Company’s control.

Customers are encouraged to ensure that their devices and Mobile Money accounts are secured with appropriate authentication measures.

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Zefix reserves the right to:

• Limit transaction amounts;
• Refuse high-risk orders;
• Require prepayment;
• Restrict access to specific payment methods.

Such measures may be applied where fraud risk indicators, irregular purchasing patterns, or prior disputes have been identified.