Ambassador Program Terms

1. The program

1.1 The Morapay Ambassador Program rewards you for bringing new people to Morapay. When a person you refer makes an Eligible Payment on app.morapay.io, you earn 1.5% of the per transaction fee Morapay keeps on that payment (your "Reward").

1.2 These Terms include the Ambassador Code of Conduct at https://morapay.io/ambassadors/code-of-conduct, the Brand and Posting Guide at https://morapay.io/ambassadors/brand-guide, the Ambassador Payout and Earnings Policy, the Morapay Acceptable Use Policy and Prohibited Business List, and the Privacy Notice at https://morapay.io/privacy. If they conflict, these Terms apply first.

1.3 Morapay runs the program through the Morapay Ambassador bot on Telegram (the "Bot"), where you apply, agree to these Terms, get your referral link and code, track Referred Users and Rewards, and withdraw.

1.4 Developers who refer users to Morapay under their existing developer referral arrangement stay on that arrangement, and these Terms leave it unchanged.

2. Who can join

2.1 You can join if you are at least 18 years old, live in Ghana, Nigeria, Kenya, South Africa or Côte d'Ivoire, can enter a binding contract, and are not named on a sanctions list. Morapay staff and members of their households may join on the same terms as everyone else.

2.2 You apply in the Bot with accurate details, using the email address of your Morapay account, which the Bot confirms with a 6 digit one time code. Morapay reviews each application and may approve or decline it at its discretion. Morapay tells you the outcome in the Bot within 3 business days. If Morapay declines your application, you may apply again after 30 days.

2.3 You accept these Terms, the Code of Conduct and the Brand and Posting Guide by tapping I agree in the Bot. Morapay records your Telegram user ID, the time and the version you agreed to. Morapay issues your referral code only after you agree.

2.4 If Morapay approved you as an ambassador before 2 November 2026, the Bot asks you to agree to these Terms. Until you agree, your referrals keep recording and your Rewards keep building, and they are held so you can withdraw them once you agree. If you have not agreed within 30 days of 2 November 2026, your code pauses for new referrals until you agree. Morapay never forfeits Rewards because you have not agreed yet.

2.5 Before your first withdrawal you pass Morapay's identity verification, the same checks Morapay uses for ramp customers under its KYC/KYB Procedure. Morapay pays Rewards only to a verified ambassador, into an account or wallet in your own name.

2.6 No Morapay staff member may review or approve their own application or withdrawals, or those of a member of their household. Staff ambassadors follow these Terms and the Code of Conduct in full, and may not use internal Morapay data to find or target referrals.

3. Referrals and attribution

3.1 Morapay gives you a personal referral link and code in the Bot, in the format MP-AB12CD. A "Referred User" is either a "Referred Payer", a person who first opens app.morapay.io through your link or enters your code, or a "Referred Merchant", a business that signs up for Morapay through your link or code. The date this happens is the "Referral Date".

3.2 A referral stays with you for 4 months from the Referral Date (the "Attribution Window"). If a person uses more than one ambassador's link or code, the first one recorded wins. Morapay's records decide attribution.

3.3 Morapay can attribute a person only when they arrive through your link or code, keep their browser data until they sign up, and are new to Morapay.

4. What earns a Reward

4.1 An "Eligible Payment" is a completed live payment on app.morapay.io, made during the Attribution Window, on which Morapay keeps a per transaction fee and which is either made by a Referred Payer or received by a Referred Merchant.

4.2 Your Reward is 1.5% of the gross per transaction fee Morapay keeps on the Eligible Payment, with no deduction for network costs, partner costs or taxes. Any amount a merchant adds for itself sits outside Morapay's fee.

4.3 When one payment involves a Referred Merchant and a Referred Payer brought by different ambassadors, only the Referred Merchant's ambassador earns, so the total Reward on a payment stays within 1.5% of Morapay's fee. If you referred both, you earn 1.5% once.

4.4 Morapay's base currency is the US dollar. Morapay calculates each Reward on the US dollar value of the fee it records for the payment, and states fees, Rewards, balances, minimums and limits in US dollars.

4.5 These payments earn no Reward:

• payments by you, your own business or an account you control or share (self referral);
• payments that are refunded, reversed, charged back or decided against the merchant under the Complaints and Refunds Policy;
• payments Morapay holds or declines as fraudulent, suspicious or in breach of its terms;
• payments by a Referred User who fails identity or business checks, or is flagged under Morapay's AML/CFT Policy;
• payments for a business that is prohibited under section 2 of the Acceptable Use Policy, or restricted under section 3 without Morapay's approval;
• test environment payments; and
• payments brought in by spam, paid incentives to the payer, or any breach of the Code of Conduct.

5. Payouts and tax

5.1 Rewards become available to withdraw 7 days after the Eligible Payment, so most refunds can settle first. Ambassadors who live in Ghana withdraw in USDC to a wallet in their own name, or in GHS to a mobile money wallet in their own name. Ambassadors who live in Nigeria, Kenya, South Africa or Côte d'Ivoire withdraw in USDC to a wallet in their own name. Your balance is held in US dollars. If you withdraw in GHS mobile money, your US dollar balance is converted at the rate shown in the Bot when you withdraw. The minimum withdrawal is USD 5 and there is no withdrawal fee. Withdrawals of up to USD 100 are approved automatically. Your first withdrawal is always reviewed by Morapay, and so is any withdrawal above USD 100. The Payout and Earnings Policy sets out the statement and timing.

5.2 Morapay may deduct from your available or future Rewards any Reward paid on a payment that later becomes ineligible under clause 4 (a "Clawback"). Card chargebacks can arrive after the 7 day hold, so Morapay recovers the Reward on a charged back payment as a Clawback from your available or future Rewards. If your balance stays negative for 90 days, Morapay may ask you to repay the amount within 14 days.

5.3 You are responsible for your own taxes on your Rewards, including declaring and paying them where you live.

6. Your conduct

6.1 You follow the Ambassador Code of Conduct and the Brand and Posting Guide. You describe Morapay accurately, say that you earn a Reward, keep your posts free of promises about returns or earnings, and share only with people who chose to hear from you.

6.2 You are an independent contractor. You are not an employee, partner, agent or representative of Morapay, you have no authority to make any promise or contract for Morapay, and you meet your own costs.

6.3 You may use the Morapay name and wordmark only as the Code of Conduct and the Brand and Posting Guide allow, and only while you are an ambassador. Morapay keeps all rights in its brand.

7. Data protection and confidentiality

7.1 Morapay handles your personal data, and the personal data of Referred Users, under the Privacy Notice at https://morapay.io/privacy. The Bot shows you counts and masked details of Referred Users and their Rewards, and keeps their full identities and payment details private.

7.2 You collect personal data about anyone only with their consent, keep it secure and use it only to tell them about Morapay. You keep any non-public information about Morapay confidential.

8. Changes, suspension and leaving

8.1 Morapay may change these Terms, including the 1.5% Reward rate, with at least 30 days notice in the Bot and by email. Each change comes as a new version that you agree to in the Bot, and it applies to payments made after it takes effect. Until you agree to a new version, clause 2.4 applies to it in the same way, counting the 30 days from the date the new version takes effect.

8.2 You may leave the program at any time in the Bot. Morapay may end or suspend your participation with 30 days notice, or at once if you breach these Terms or the Code of Conduct, act fraudulently, or the law requires it.

8.3 From the date your participation ends, your referrals stop earning. Rewards on Eligible Payments made before that date become available after the 7 day hold, less any Clawback. You can withdraw an available balance of USD 5 or more in the Bot for 90 days after the end date. This clause does not apply where your participation ends for fraud or a serious breach.

9. Liability, notices and law

9.1 Morapay's total liability to you under these Terms is limited to the Rewards paid to you in the 12 months before the claim. Neither party is liable for indirect loss or loss of profit.

9.2 Morapay sends notices in the Bot and to your email. You send notices and questions about Rewards to hi@morapay.io. WhatsApp support at +233 55 713 5438 is for support questions only.

9.3 These Terms are governed by the laws of Ghana. If a dispute arises, either party first raises it in writing through hi@morapay.io, and both make a good faith attempt to resolve it for 30 days. If it remains unresolved after 30 days, the courts of Ghana decide it.

9.4 These Terms are written in English. A French version for Côte d'Ivoire will follow as a later version.

Last updated: 28 October 2026