Last updated: 11 August 2026 · Version 1.0
These Terms of Service ("Terms") govern access to and use of Konduyt’s software, APIs, dashboards, SDKs, documentation and related services (collectively, the "Service").
By creating a Konduyt account, connecting a payment provider, using the Konduyt API, or otherwise using the Service, you agree to these Terms.
If you are using Konduyt on behalf of a company or other legal entity, you represent that you have authority to bind that entity. In that case, "you" and "Customer" mean that entity.
These Terms are intended to describe how Konduyt actually operates. They are not a representation that Konduyt is licensed to provide regulated financial or payment services in every jurisdiction. Customers should obtain their own legal, tax and regulatory advice where appropriate.
Konduyt provides software and payment-orchestration infrastructure that allows developers and businesses to integrate with payment providers through a unified interface.
The Service may allow a Customer to connect its own accounts with third-party payment providers supported by Konduyt. The current list of supported payment providers is shown below and is generated from Konduyt’s live integrations rather than fixed in this document.
Konduyt is a technology provider. Except where expressly stated otherwise:
Supported payment providers: the current list is generated from Konduyt’s live integrations.
Funds relating to a payment transaction are handled by the relevant payment provider and the Customer’s payment-provider account according to the terms applicable to that provider.
Konduyt does not represent itself as a bank, deposit-taking institution, money transmitter, payment processor, payment institution, remittance provider, tax adviser or tax-compliance service except to the extent that applicable law expressly requires otherwise or Konduyt separately obtains the relevant authorization.
The legal and regulatory classification of a service depends on applicable law and the actual activities performed. Nothing in these Terms is intended to override or determine such classification.
You must provide accurate and current information when creating and maintaining your Konduyt account.
You are responsible for:
You must not share credentials in a manner that creates unauthorized access to the Service.
Konduyt may require additional verification where reasonably necessary for security, fraud prevention, legal compliance or operation of the Service.
Konduyt uses a bring-your-own-provider-account model.
You connect your own payment-provider accounts and remain responsible for maintaining those accounts.
When you provide provider credentials to Konduyt:
Konduyt will use provider credentials for the purpose of operating the Service and executing authorized requests.
Provider credentials are protected using appropriate technical security controls, including encryption at rest and access controls.
Konduyt does not guarantee that a particular payment provider, payment method, country, currency or transaction type will remain available.
Payment providers are independent third parties.
Your relationship with each payment provider is governed by that provider’s own terms, policies and agreements.
Konduyt is not responsible for:
If a provider becomes unavailable, changes its API, changes its commercial terms or stops supporting a payment method, Konduyt may be unable to provide the affected functionality.
Konduyt may add, remove, replace or modify supported payment-provider integrations.
You are solely responsible for:
You must not use Konduyt to facilitate fraud, money laundering, sanctions evasion, unauthorized transactions, unlawful goods or services, or other prohibited activity.
You must not use Konduyt to circumvent restrictions imposed by a payment provider, payment network or applicable law.
You must not:
Konduyt may suspend or restrict access where it reasonably believes that the Service is being used in violation of this section.
The Service may include APIs, SDKs, webhooks, dashboards and other developer tools.
You are responsible for applications and systems that you build using Konduyt.
You must implement appropriate security controls, including secure handling of Konduyt API credentials.
Konduyt may impose reasonable rate limits, request limits, usage restrictions and security controls.
Konduyt may introduce new API versions, deprecate older versions or modify API behavior where reasonably necessary.
Where practical, Konduyt will provide reasonable notice of material breaking changes.
Nothing in these Terms requires Konduyt to maintain an obsolete API version indefinitely.
Konduyt may receive and record information relating to payment requests and payment-provider responses.
Konduyt may maintain transaction records, including information such as:
Konduyt does not guarantee that every payment request will succeed.
A transaction may fail because of factors including provider decisions, customer authentication, insufficient funds, network failures, fraud controls, provider outages, configuration errors or other circumstances outside Konduyt’s control.
Konduyt may maintain an append-only or otherwise integrity-protected transaction ledger for operational, reconciliation, audit, security and reporting purposes.
Ledger records may be retained after termination where reasonably necessary for:
Retention does not mean that Konduyt retains raw payment-card credentials.
Konduyt may provide tax rates, jurisdictional information, calculations or other tax-related reference information.
Such information is provided for informational and operational purposes only.
Konduyt does not provide legal, accounting or tax advice and does not determine a Customer’s legal tax liability.
You remain solely responsible for determining:
Tax information provided by Konduyt may be based on published rates or other sources and may not reflect changes that have occurred since the information was obtained.
You should independently verify tax information before relying on it for compliance purposes.
Where Konduyt processes Personal Data on behalf of a Customer in connection with the Service, the Customer generally acts as the data controller and Konduyt acts as the data processor, subject to the nature of the relevant processing and applicable law.
The parties’ processing relationship is governed by the Konduyt Data Processing Agreement ("DPA"), which forms part of these Terms where applicable.
The DPA governs matters including:
Konduyt may also process certain personal data as an independent controller, including data relating to Customer accounts, billing, security, authentication, abuse prevention, service administration and legal compliance. Such processing is governed by Konduyt’s Privacy Notice.
Konduyt is designed to minimize the amount of sensitive payment information entering its systems.
Konduyt is not designed to receive or store raw card numbers or full payment-card credentials.
Cardholder data is handled by the relevant payment provider’s infrastructure.
Konduyt may nevertheless process payment-related metadata and other information necessary to operate the Service.
Customers must not intentionally send raw card numbers, payment-card security codes or other prohibited sensitive payment information to Konduyt unless expressly supported by a documented Konduyt feature and applicable compliance requirements.
Konduyt maintains reasonable technical and organizational safeguards appropriate to the nature of the Service and the information processed.
Security measures may include:
No system can be guaranteed to be completely secure.
Customers remain responsible for securing their own applications, devices, accounts, credentials and integrations.
If you believe a Konduyt credential or provider credential has been compromised, you should immediately rotate or revoke the affected credential and notify Konduyt where appropriate.
Each party may receive non-public information from the other party that is reasonably understood to be confidential ("Confidential Information").
Confidential Information includes, as applicable:
The receiving party will use Confidential Information only for purposes connected with the relationship; protect it using reasonable safeguards; and disclose it only to personnel, contractors or service providers who need to know it and are bound by confidentiality obligations. Confidential Information does not include information that is publicly available without breach, was lawfully known before disclosure, is independently developed, or is lawfully received from a third party without confidentiality obligations. A party may disclose Confidential Information where required by law, providing reasonable notice where legally permitted.
Konduyt and its licensors own all rights in and to the Konduyt software, APIs, SDKs, dashboards, documentation, infrastructure, interfaces, trademarks, branding, designs, underlying technology, improvements and related intellectual property.
These Terms do not transfer ownership of Konduyt intellectual property to the Customer.
Subject to these Terms, Konduyt grants the Customer a limited, non-exclusive, non-transferable right to use the Service during the applicable subscription or account period.
The Customer retains ownership of its applications, business content, customer relationships, customer data, payment-provider accounts and other materials it independently owns. The Customer grants Konduyt the limited rights reasonably necessary to provide the Service.
If you provide suggestions, recommendations, ideas or other feedback concerning Konduyt, you grant Konduyt the right to use that feedback without restriction or compensation, provided that Konduyt does not disclose your Confidential Information in doing so.
Konduyt’s fees, if any, are described on the applicable Pricing page or order documentation.
Payment-provider fees are separate and are charged according to the applicable provider’s terms.
Unless expressly stated otherwise, Konduyt does not take a percentage of Customer transaction value and does not receive or settle Customer funds.
Where Konduyt charges subscription or usage fees, the Customer is responsible for paying those fees when due.
Taxes applicable to Konduyt’s own fees may be charged where required by law.
Konduyt provides the Service on a commercially reasonable efforts basis unless the parties have separately agreed to a service-level commitment.
Konduyt does not guarantee uninterrupted or error-free operation.
Availability may be affected by maintenance, infrastructure failures, security incidents, internet failures, third-party services, payment-provider outages, provider API changes, force majeure events, or other circumstances outside Konduyt’s reasonable control.
Konduyt may perform scheduled or emergency maintenance.
Konduyt may modify, improve, replace or discontinue features of the Service.
Where a change materially affects Customer use of the Service, Konduyt will provide reasonable notice where practicable.
Konduyt may make changes without advance notice where reasonably necessary for security, fraud prevention, legal or regulatory compliance, payment-provider requirements, protection of the Service, or urgent technical reasons.
Konduyt may suspend or restrict access to the Service where reasonably necessary to address a security threat; prevent fraud or abuse; comply with law; comply with a lawful request from a regulator or provider; address a material breach of these Terms; protect Konduyt or another Customer; investigate suspected unauthorized activity; address non-payment; or prevent significant harm to the Service or infrastructure.
Where reasonably practicable, Konduyt will provide notice and an opportunity to remedy the issue. Suspension does not automatically terminate the Customer’s obligations under these Terms.
The Customer may stop using the Service at any time.
Konduyt may terminate or suspend the Customer’s access where the Customer materially breaches these Terms; engages in unlawful or fraudulent activity; continued provision would violate applicable law; continued provision creates a material security or legal risk; the Customer fails to pay amounts due; or Konduyt discontinues the relevant Service.
Upon termination, Customer access may be disabled; provider credentials may be disconnected and deleted per the applicable security and retention procedures; Customer Data will be handled per the DPA where applicable; legally required records may be retained; and provisions that by their nature should survive termination will remain effective.
To the maximum extent permitted by law, the Service is provided on an "as available" and "as is" basis.
Konduyt does not warrant that the Service will always be available; that every payment will succeed; that every payment provider will remain supported; that provider services will remain available; that tax information will always be current or accurate; that the Service will be free from all errors; that the Service will satisfy every Customer requirement; or that the Service will produce any particular commercial result.
Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded.
To the maximum extent permitted by law, the Customer will defend, indemnify and hold harmless Konduyt and its officers, employees and contractors from third-party claims, losses, liabilities, damages and reasonable costs arising from the Customer’s unlawful use of the Service; the Customer’s products or services; the Customer’s breach of these Terms; the Customer’s violation of a payment provider’s terms; the Customer’s infringement of another person’s rights; the Customer’s unlawful processing of Personal Data; or fraudulent or unauthorized activity caused by the Customer or its authorized users.
Konduyt will promptly notify the Customer of a covered claim and provide reasonable cooperation. The indemnified party may participate in the defense through counsel of its choice. No settlement may impose an admission of wrongdoing or non-monetary obligation on the indemnified party without its consent.
To the maximum extent permitted by law, Konduyt will not be liable for indirect or consequential loss; loss of profits; loss of revenue; loss of business opportunities; loss of goodwill; loss of anticipated savings; loss arising from payment-provider outages or decisions; loss caused by Customer configuration; loss caused by inaccurate tax or reference information; or loss caused by circumstances outside Konduyt’s reasonable control.
To the maximum extent permitted by law, Konduyt’s aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (1) the fees actually paid by the Customer to Konduyt during the twelve months immediately preceding the event giving rise to the claim; or (2) USD 100.
This limitation does not apply to liability that cannot lawfully be limited or excluded. Nothing in these Terms excludes liability for fraud, intentional misconduct or other liability that applicable law prohibits the parties from excluding.
Konduyt will not be responsible for failure or delay caused by circumstances beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, government action, internet or telecommunications failures, infrastructure failures, widespread cyber incidents, payment-provider outages, cloud-provider outages, labor disputes, or other events outside Konduyt’s reasonable control.
The affected party will take reasonable steps to mitigate the effects of such events.
These Terms are governed by the laws of Kenya, without regard to conflict-of-law principles.
The parties submit disputes to the courts of Kenya, except where applicable law requires another forum.
Nothing in this section prevents either party from seeking urgent injunctive or protective relief where necessary.
Konduyt may update these Terms from time to time.
The updated version will be posted through the Service or on the Konduyt website.
Where changes materially affect Customer rights or obligations, Konduyt will provide reasonable advance notice where practicable.
Changes required for legal, regulatory, security or fraud-prevention reasons may take effect immediately where reasonably necessary.
Continued use of the Service after the effective date of updated Terms constitutes acceptance of the updated Terms to the extent permitted by law.
These Terms constitute the agreement between the Customer and Konduyt regarding the Service and supersede prior agreements concerning the same subject matter, except where the parties have entered into a separate written agreement.
If a provision is found invalid or unenforceable, the remaining provisions remain effective. Failure to enforce a provision does not constitute a waiver.
The Customer may not assign these Terms without Konduyt’s prior written consent, except in connection with a merger, acquisition or sale of substantially all of its assets where the successor agrees to be bound. Konduyt may assign these Terms in connection with a merger, acquisition, corporate restructuring or sale of substantially all of its assets.
The parties are independent contractors. These Terms do not create a partnership, joint venture, agency or employment relationship. Neither party may make commitments on behalf of the other.
Provisions which by their nature should survive termination will survive, including confidentiality, intellectual property, payment obligations, indemnification, limitations of liability and dispute resolution.
Konduyt may enable the Customer to split a single payment’s proceeds across multiple third-party recipients the Customer designates (“Sellers”), using a connected payment provider’s own native split-payment capability.
In connection with this feature, Konduyt does not hold, receive, or redistribute funds itself. The split is performed entirely by the underlying payment provider, using the Customer’s own connected provider account.
The Customer is solely responsible for its relationship with each Seller, including onboarding, verification, and any obligations the Customer owes a Seller independent of Konduyt.
Split-payment support and its exact mechanics vary by payment provider. Konduyt does not guarantee that a particular provider supports this capability and will not represent that a provider supports it other than as reflected in Konduyt’s own documentation for that provider.
The Customer remains solely responsible for its own compliance with applicable law in operating a multi-party payment arrangement, including any marketplace, platform, or money-transmission regulatory obligations that may apply to the Customer independent of Konduyt.
Where Konduyt processes Personal Data as a processor on behalf of the Customer, the Konduyt Data Processing Agreement applies.
The DPA is incorporated into these Terms by reference.
Where there is a conflict between these Terms and the DPA regarding the processing of Personal Data, the DPA controls to the extent of that conflict.
Questions concerning these Terms may be directed to:
Konduyt — Website: konduyt.dev — Legal/privacy contact: teamkonduyt@gmail.com
Privacy requests concerning Personal Data processed by Konduyt on behalf of a Customer will be handled in accordance with the applicable DPA and the Customer’s role as controller.