Zonse Point

Payment Flow

This page shows Sections 4 and 5 of our Terms & Conditions, which apply in full. See the full Terms & Conditions.

4. Payment Flow

Online payments are processed by PayChangu, an independent payment provider, by Airtel Money, TNM Mpamba, bank transfer, Visa or Mastercard. Zonse Point does not store card details. You may also pay wholly or partly with Zonse credit, or, where the seller offers it, by cash on delivery. Online payments are held in escrow in Zonse Point's merchant account until the order is fulfilled and escrow conditions are met; cash on delivery orders are paid directly to the seller and are not held in escrow (see Section 9). Zonse Point's fees — the platform fee deducted from seller payouts, the fee for cash on delivery orders, PayChangu's processing fee on online payments (added to the amount the buyer pays and shown before paying) and the smallest online payment — are set out in the Fee Schedule on the website and in the app. The cash on delivery fee is recorded as an amount the seller owes when the order is delivered, and recovered as in Section 8. Fee increases are published at least 30 days before they apply, and apply only to orders placed after that date. Apart from PayChangu's processing fee, buyers pay the listed price.

5. Escrow & Fund Holding

Online payments are held in escrow from the moment of payment until one of the following: (a) the buyer confirms receipt, and 3 days then pass without a dispute or return request; (b) the seller marks the order delivered and the buyer does not respond within 3 days — receipt is then treated as confirmed, and the funds are released 3 days later unless a dispute or return request is raised; (c) an admin resolves a dispute and orders a release or refund; (d) a return is confirmed by the seller, or the seller does not respond to a return request within 3 days, and the buyer is refunded; (e) the buyer reports the order as not received and the seller does not respond within 3 days, and the buyer is refunded; (f) the order is cancelled by the buyer within 5 minutes of placing it, or cancelled by the seller. Where a checkout includes items from several sellers, each seller's part is handled separately. Neither the buyer nor the seller can release or take back held funds themselves; Zonse Point releases or refunds them only as set out in these Terms. Cash on delivery orders are not held in escrow (see Section 4).

How an order is paid

  1. At checkout, choose how to pay. PayChangu's processing fee is shown before you pay.
  2. The payment is held until the order is delivered and confirmed (Section 5).
  3. When the item arrives, confirm receipt on the order, or report a problem.
  4. When the funds are released, the seller's payout is sent to their registered payout method, less the fees in the Fee Schedule.

Questions: support@zonsepoint.com

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