How we protect you
Funds held in neutral escrow
Once a buyer pays, the money is locked and held by our licensed aggregation partner. The seller is paid only when the buyer releases it, or when our mediation team resolves a dispute.
We never see your MoMo PIN
FiapPay integrates only through official MTN & Orange Money APIs (via our partner CamPay). You approve payments on your network's own official prompt. We never ask for, see, or store your Mobile Money PIN or password.
Anti-fraud PIN lockout
Release PINs are confidential and 4 digits. If someone enters the wrong PIN too many times, FiapPay automatically locks the transaction, opens a dispute, and alerts an administrator, so funds can't be brute-forced.
Encrypted & verified end to end
All traffic uses TLS encryption. Payment notifications are cryptographically signed and verified, so forged or tampered messages are rejected. PINs are stored only as secure hashes, never in plain text.
Who moves the money
For now, all Mobile Money debits and credits (MTN MoMo and Orange Money) are processed solely by TAKWID GROUP (CamPay), our licensed payment aggregator. On your Mobile Money statement and notifications, the transaction will appear under TAKWID GROUP (CamPay), not under FiapPay or Los Bebes Inc. Seeing this name is normal and expected.
Best practices for safe trading
FiapPay protects your funds, but a smooth deal still depends on good habits. Follow these to avoid disputes and build a stellar reputation.
🏪 For Sellers
- 1.Agree terms before billing. Confirm the item, price, delivery method, timeline, and return policy in writing with your buyer first.
- 2.Ship traceably. Use a delivery method that provides proof. Keep receipts, undocumented shipments may be rejected in a dispute.
- 3.Describe items honestly. Use real photos and accurate descriptions. Misrepresentation is the #1 cause of disputes.
- 4.Only ship once funds are locked. Wait for the bot's "funds secured in escrow" message before sending anything.
🛍️ For Buyers
- 1.Never share your PIN early. The Release PIN is your protection. Don't give it to anyone until you've received and inspected the goods.
- 2.Inspect before releasing. Open the package and check the item matches what was agreed. Releasing is final and irreversible.
- 3.Document on arrival. If an item arrives damaged or wrong, take photos immediately, they're your evidence in a dispute.
- 4.Dispute instead of releasing if unsure. If something is wrong, type
Dispute, don't release and hope for the best.
🤝 Communicate first
If there's an issue, try to resolve it amicably with the other party first. Only open a FiapPay dispute when you genuinely can't reach agreement.
🔄 Set clear return policies
Sellers should state return windows upfront. Buyers returning an item must ship it back within the agreed timeframe to qualify for a refund.
⚠️ Protect yourself from scams
- • FiapPay will never ask for your Mobile Money PIN. Anyone who does is trying to scam you.
- • Never release your 4-digit PIN before you have the goods in hand.
- • Always start from the official link your seller sends, or message our verified support number directly.
- • If a deal feels rushed or pressured, slow down. Genuine sellers respect the escrow process.