Terms and Conditions

Effective date: 19 July 2026
Last updated: 19 July 2026

These Terms and Conditions ("Terms") form an agreement between APK Digital Exchange LLC, trading as ApkXchange ("ApkXchange", "we", "us" or "our"), and the person using the ApkXchange website, mobile application or related services ("you" or "your").

By creating an account, placing an order, funding or using a wallet balance, submitting a gift card, paying a bill or otherwise using the Services, you agree to these Terms and the policies linked below. If you do not agree, do not use the Services.

Please also read our Privacy Policy, Refund Policy and Cookie Policy.

1. Eligibility

You must:

• be at least 18 years old and have legal capacity to contract where you live;
• use the Services only for yourself or an organisation you are authorised to represent;
• provide accurate, current and complete information;
• use a country, payment method, payout destination and product region you are legally entitled to use; and
• comply with applicable laws, issuer rules and provider requirements.

We may refuse registration or restrict a service where age, location, licensing, sanctions, provider coverage, fraud risk or law prevents us from serving you.

2. Your Account and Security

You are responsible for activity on your account and for protecting your password, wallet PIN, verification codes, device and email account. Do not share credentials or allow another person to transact through your account.

Tell us promptly if you suspect unauthorised access. We may require email, phone, identity, source-of-funds, payment-method or payout-account verification before allowing a transaction, withdrawal or account change.

Profile images, avatars, names and account content must not impersonate another person, infringe rights, contain unlawful material or mislead other users.

3. The Services

Depending on your account and location, ApkXchange may provide:

• a marketplace for buying supported gift cards, digital codes and game keys;
• an admin-assisted service for selling supported gift cards;
• an ApkXchange GHS wallet for eligible transaction credits, purchases, bills, conversions and payouts;
• Ghana bill-payment and airtime services;
• supported payout or conversion rails, which may include verified Ghana Mobile Money, Naira bank payout and USDT TRC20;
• trade chat, notifications, delivery records, read receipts and transaction history; and
• related account, identity-verification and support features.

Not every product, currency, rail or feature is available in every country or at all times. A registration country or currency shown in the interface is not a promise that every Service is legally or operationally available there.

4. Our Role and Third-Party Services

ApkXchange operates the platform and may act as merchant, marketplace operator or transaction facilitator depending on the order. Product issuers, payment providers, Mobile Money operators, banks, billers, identity providers, blockchain networks and fulfilment partners are independent third parties with their own terms.

ApkXchange is not a bank. An ApkXchange wallet is not a bank deposit, savings account or investment, does not earn interest, and is not represented as deposit-insured. Payment and payout services may be provided through appropriately authorised third parties where required.

Issuer or provider outages, restrictions, regional rules and processing decisions can affect a transaction. We remain responsible for obligations that applicable law does not allow us to exclude.

5. Prices, Currencies, Rates and Fees

Before confirmation, the Services will display the product or card value, applicable currency, exchange rate, estimated wallet credit or amount due, and disclosed fees available for that transaction.

Rates and availability can change until an order is locked or payment is confirmed. Estimates are not final credits unless the order screen says they are final. You are responsible for reviewing the complete total before confirming.

Supported currencies may include GHS, NGN, USD, GBP, EUR, CAD, AUD and others shown in the Services. Selecting a currency does not select a country's constitution, law or courts. Governing law and mandatory consumer rights depend on the Terms, your residence, where Services are directed, and the transaction's actual legal connection.

Your bank, card issuer, Mobile Money operator or blockchain service may impose separate fees or currency conversion charges.

6. Buying Gift Cards and Digital Products

When buying:

1. review the product, value, currency, platform, country or region, delivery method, quantity and total;
2. ensure that the recipient account and intended platform accept that product and region;
3. choose an available payment rail and complete any required verification; and
4. check the delivery record and notify us promptly of a genuine fault.

Products may be delivered through:

• stock-code delivery, where a reserved code becomes available to reveal after payment; or
• manual/admin delivery, where fulfilment or support continues through the order and trade chat.

A delivered code must be kept private. Once you reveal, copy, redeem, forward or expose a code, it may be impossible to cancel or recover. ApkXchange is not responsible for a correctly supplied code becoming unusable because you disclosed it, chose an incompatible region or platform, or breached the issuer's rules.

If a product is unavailable, we may decline the order, reverse the payment or return value in accordance with the Refund Policy and applicable law.

7. Selling Gift Cards

You may submit only a gift card that you lawfully own and are authorised to sell. It must be genuine, unused except as expressly disclosed, unencumbered, lawfully acquired and consistent with the order description.

The Services may show a card face value, cash value, rate and estimated GHS wallet credit. An administrator may inspect the card, request evidence, adjust a valuation with your agreement, reject the trade or complete it. Do not send a code before the trade flow or authorised administrator instructs you to do so.

You must not sell or reuse a card after submitting it. If a submitted card is invalid, previously used, fraudulently obtained, reversed, disputed or materially different from what you described, we may reject or cancel the trade, hold or reverse related value where legally permitted, and investigate or report suspected unlawful activity.

Once an administrator has verified or redeemed a card and completed the trade, cancellation may no longer be possible. A completed sell-trade credit may be corrected for a manifest error, duplicate credit, provider reversal or proven fraud, subject to applicable law and notice.

8. Wallet Terms

Wallet value is shown in the applicable wallet currency and may be used only for features enabled on your account. You may not sell, lease or transfer your account or wallet access.

We may place a proportionate hold on value needed for an active order, bill payment, withdrawal, dispute or investigation. If a transaction fails or is cancelled, the held value will be released or returned after confirmation from the relevant provider.

Conversions and payouts are subject to displayed rates, fees, minimums, verification, provider coverage and legal limits. You must verify the destination details. Completed payouts to a destination you supplied may be irreversible.

9. Bill Payments and Airtime

Ghana Pay Bills currently supports the billers and airtime services displayed in the interface. You must provide the correct meter, phone, smartcard or account reference and check bill details before paying.

A request may be pending while a biller or payment provider confirms collection and fulfilment. Do not submit a duplicate request merely because a pending request is not immediate. A successful, correctly directed bill payment is generally final, except for a duplicate, provider reversal, service fault or right that applicable law requires.

ApkXchange does not control a biller's account records, disconnection rules, token generation or service availability. We will provide reasonable support and transaction evidence when a provider issue occurs.

10. Payment and Payout Rails

Available rails can include wallet, Mobile Money, card, bank and USDT TRC20.

• Mobile Money, card and bank: use only an account or instrument you are authorised to use. Provider approval, limits, fees and settlement times apply.
• USDT TRC20: send only the exact supported asset on the displayed network to the displayed address, within the allowed time and amount. Blockchain transfers are generally irreversible. Sending another asset, using the wrong network or address, or omitting the required amount may result in permanent loss that ApkXchange cannot reverse.
• Payouts: verified ownership, identity checks, name matching and provider availability may be required. A request may be delayed or rejected where details do not match or compliance review is needed.

We may require confirmation that funds have finally settled before releasing a code, credit or payout.

11. Chat, Uploads and Notifications

Trade chat is part of the transaction record. Be respectful and send only relevant lawful content. Read receipts indicate that a message was delivered or opened in the interface; they do not guarantee that an administrator has agreed to a request.

You retain ownership of content you submit. You grant ApkXchange a limited, non-exclusive licence to store, reproduce, review and share that content only as reasonably necessary to operate, secure and support the transaction, comply with law and resolve disputes.

We may remove content or restrict chat where it is unlawful, abusive, deceptive, infringing, malicious or unrelated. Transaction, security and legal notices may be sent electronically to your account, email, phone or device.

12. Prohibited Use

You must not:

• use stolen, fraudulently obtained, counterfeit, reversed or unauthorised cards or funds;
• launder money, evade sanctions, finance unlawful activity or conceal the source or beneficiary of funds;
• open duplicate or false accounts, impersonate another person or bypass verification or limits;
• manipulate prices, referrals, promotions, orders, reviews, notifications or technical systems;
• interfere with security, scrape protected data, introduce malware, reverse engineer restricted components or overload the Services;
• harass users or staff, post unlawful content or use chat to arrange an off-platform transaction; or
• use the Services in a way that violates law, issuer rules or third-party rights.

We may investigate, preserve evidence, restrict affected funds or features, reject a transaction, suspend an account and make a legally required report. Restrictions will be proportionate to the risk and rights involved where law requires.

13. Verification, Fraud Prevention and Legal Compliance

We may request identity, address, source-of-funds, ownership or transaction evidence. Failure to provide reasonably requested information may prevent us from completing a transaction or payout.

We may delay or refuse a transaction where required by law, sanctions, court order, payment-provider rules or a reasonable fraud or security review. We will not confiscate value arbitrarily. Funds subject to restriction, reversal, refund, set-off or reporting will be handled according to applicable law, provider requirements and the evidence available.

14. Cancellations, Returns and Refunds

Cancellation and refund eligibility depends on the product, delivery state, payment rail, transaction status and mandatory law. The detailed rules are in our Refund Policy, which forms part of these Terms.

Nothing in these Terms removes a refund, repair, replacement, withdrawal or other remedy that applicable law says cannot be waived.

15. Intellectual Property

The ApkXchange name, interface, software, original graphics, text and other platform materials are owned by or licensed to us and are protected by applicable intellectual-property laws. Product names and marks belong to their respective issuers. No issuer sponsorship is implied unless expressly stated.

You may use the Services only for their intended personal or authorised business purpose. No other licence is granted.

16. Service Availability and Changes

We may maintain, change or discontinue a feature, product, currency or provider. We will not apply a material change retroactively to a completed transaction unless required by law or needed to correct a manifest error or fraud.

We do not guarantee uninterrupted availability. We will use reasonable care to restore Services and protect active transactions during outages.

17. Suspension and Account Closure

You may request account closure, subject to completion of pending transactions and retention required by law.

We may limit, suspend or close an account for material breach, fraud risk, unlawful use, non-payment, sanctions, security risk, provider instruction or legal requirement. Where lawful and safe, we will provide notice and an opportunity to resolve the issue. Closure does not erase accrued rights, pending disputes or records we must retain.

18. Disclaimers

We provide the Services with reasonable care and skill. Product issuers and financial or bill-payment networks remain responsible for their own systems and terms.

Except for rights and warranties that cannot lawfully be excluded, the Services are provided on an "as available" basis. We do not promise that every product will remain available, that every issuer will accept a product in every region, or that a third-party network will process instantly.

19. Limitation of Liability

Nothing in these Terms limits liability for fraud, wilful misconduct, death or personal injury caused by negligence, violation of data-protection obligations, or any liability or consumer remedy that applicable law does not allow us to limit.

Subject to that sentence, neither party is liable for indirect or consequential loss that was not reasonably foreseeable when the contract was made. ApkXchange is not liable for loss caused solely by inaccurate destination details you supplied, disclosure of a delivered code, an unsupported region or network you selected, or unlawful use of your account, except to the extent our failure to exercise required care contributed to the loss.

Any other limitation will be applied only to the extent fair, reasonable and lawful in the relevant jurisdiction.

20. Complaints and Disputes

Contact support@apkxchange.com first and include the order or transaction reference, date, amount and a clear description. Do not email a password, wallet PIN, full payment credentials or an unredacted usable gift-card code.

We will try to investigate and resolve the complaint using transaction and provider records. If it is not resolved, the parties should consider good-faith negotiation or mediation before court proceedings where appropriate.

These Terms are governed by the laws of Ghana, and Ghanaian courts have jurisdiction, except that this choice does not deprive you of mandatory consumer, privacy or procedural protections that apply in your country and cannot legally be waived. Currency selection alone does not change this clause.

21. Changes to These Terms

We may update these Terms for legal, security, provider or product changes. We will post the revised version and update the date above. We will provide additional notice where required for a material change. Continued use after the effective date means acceptance, but changes do not remove rights already accrued in a completed transaction.

22. General

If a provision is unlawful or unenforceable, it will be limited or removed only to the extent necessary, and the remaining provisions continue. A delay in enforcing a right is not a waiver. You may not transfer this agreement without our consent; we may transfer it as part of a lawful corporate reorganisation or sale with appropriate notice and safeguards.

23. Contact

APK Digital Exchange LLC, trading as ApkXchange
Email: support@apkxchange.com
Website: www.apkxchange.com