Payment Policy

This Payment Policy describes the payment and payout methods, exchange rates, fees, limits, processing times, and dispute handling that apply when you fund or withdraw through Barter Funds. It supplements our Terms & Conditions, Fees page, and Refund Policy and is incorporated into them.

You may fund Transactions and your Barter Wallet using the methods we make available, which may include: • Mobile Money: MTN Mobile Money, Telecel Cash, and AirtelTigo (Ghana), and supported mobile money networks in other countries. • Bank Transfer: transfers to our designated bank or virtual account details, including Moolre-generated virtual accounts. • Moolre USSD / Virtual Account: an in-app prompt or generated virtual account for funded purchases. • Barter Wallet: using an existing Wallet balance. • Other methods: additional methods we may introduce and display in the app. Availability of methods depends on your country, currency, and the active configuration displayed to you at the time of a Transaction.

Payouts from selling or receiving digital assets, redeeming gift cards, or Concierge Pay are made to: • A mobile money account in your verified name (GHS, NGN, KES, and other supported local currencies). • A bank account in your verified name. • Your Barter Wallet. You are responsible for providing accurate payout details. Payouts to a third-party account are not permitted except where the platform explicitly allows it, and may be rejected or held. The local currency and amount you will receive are confirmed before you confirm the Transaction.

Exchange rates are determined by Barter Funds and may be set manually or derived automatically from external market feeds. The rate shown to you at confirmation is the rate that applies to your Transaction. Rates are indicative only until you confirm. We are not an exchange or broker-dealer and rates do not constitute investment advice.

Fees may be fixed, percentage-based, or built into the rate, and vary by Service, currency, and transaction type. All applicable fees are disclosed before you confirm a Transaction and are also published on our Fees page. Deposits and withdrawals to and from your Wallet are free of Barter Funds charges, though third-party network fees from your mobile money provider or bank may apply.

Minimum and maximum transaction amounts apply per method, currency, and transaction type, and are displayed before confirmation. Limits may depend on your KYC tier, account status, and risk profile. We may adjust limits at any time for security, compliance, or operational reasons.

For manual deposits and certain methods, you may be required to upload a proof-of-payment screenshot showing the sender name, amount, date, and reference. We may verify the proof against our records before crediting your Wallet. Submitting false or misleading proof is a breach of our Terms and may result in account closure and reporting to authorities.

Typical processing times are: • Mobile money and Moolre USSD deposits: usually instant to a few minutes, subject to network confirmation. • Bank transfers: same business day to one (1) business day. • Payouts: usually within minutes, though bank payouts may take one (1) to two (2) business days. • Gift card redemptions: after card verification, which may take minutes to hours depending on the card. • Concierge Pay: depending on the beneficiary and corridor, typically one (1) to three (3) business days. Times are estimates only and may be affected by network, bank, or blockchain conditions and by compliance review.

If a payment you sent to us fails, is reversed, or is disputed after we have credited your account, we may reverse the credit, suspend your account, and require you to make good the shortfall. Where a payout we sent fails to reach you, we will trace it with the receiving network and, once funds are returned to us, credit your Wallet. See our Refund Policy for detail.

Mobile money network fees, bank charges, blockchain network fees, and intermediary or correspondent bank fees are outside our control and are not included in the amounts we display. You are responsible for any such charges on your side of a Transaction.

By confirming a Transaction, you authorise us to debit your Wallet or to instruct our payment partners to collect or pay the stated amounts. Where a rate or availability cannot be honoured (for example due to a network error), we may cancel the Transaction and refund any amount already collected, without liability beyond the refund.

We provide a receipt for each completed Transaction, viewable in your transaction history and delivered by email. You should retain receipts for your records and tax obligations. We retain Transaction records for at least five (5) years for AML/CFT compliance.

We use encryption, access controls, and fraud monitoring to protect payment data. We do not store full card numbers or mobile money PINs. We never ask for your mobile money PIN or full card CVV. Report any suspicious payment request to support@barterfunds.com immediately.

All payments are processed in line with applicable laws, including Ghana's Payments and Settlement Systems Act, 2003 (Act 662), the Electronic Transactions Act, 2008 (Act 772), AML/CFT requirements, and the rules of our licensed payment partners. We may decline, delay, or report any payment that raises a compliance concern.

For payment enquiries, contact us: Email: support@barterfunds.com WhatsApp: +233 53 036 7164 Help Centre: barterfunds.com/help