Terms of Service

Last updated: May 10, 2026

These Terms of Service ("Terms") govern your use of naijatopup.com and the NaijaTopup wallet (collectively, the "Service") operated by NaijaTopup ("we", "us", "our"). By creating an account or placing an order on the Service you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract under Nigerian law to use NaijaTopup. By signing up you confirm that the information you provide (name, phone, email) is accurate and belongs to you. We may suspend or close any account that we reasonably believe was opened with false details.

2. The Service

NaijaTopup is a Virtual Top-Up (VTU) reseller. We let you:

Buy mobile data and airtime on MTN, Glo, Airtel and 9mobile.
Pay DSTV, GOTV and Startimes cable subscriptions.
Pay electricity bills and receive prepaid meter tokens.
Buy WAEC, NECO, NABTEB, UTME (JAMB) and Direct Entry result-checker / registration pins.
Order Instagram, TikTok, YouTube, Facebook, X (Twitter) and Telegram engagement (Social Boost).

We act as a reseller — we forward your order to our upstream provider, which in turn delivers it to the network operator, cable provider, distribution company or social-media panel. We are not the network or the disco; we are not affiliated with Meta, ByteDance, Google or X.

3. Your account & transaction PIN

You are responsible for keeping your password and 4-digit transaction PIN secret. Anyone holding both can spend your wallet balance.
We will never ask you for your password or PIN by phone, WhatsApp, email or SMS. Treat any such request as a phishing attempt.
You may only operate one account per person. Multiple accounts created to abuse signup bonuses, referrals or pricing tiers may be suspended without notice.
If you lose access to your account, contact support and we will help you regain access through the email on file.

4. Wallet, deposits & refunds

You can fund your NaijaTopup wallet through any of our supported payment methods (card, bank transfer, virtual account). Deposits are non-refundable to a different account or person.
Funded balances are held only for the purpose of paying for services on the platform. We do not pay interest on wallet balances.
Failed transactions are auto-refunded to your wallet, usually within 60 seconds. If you don't see a refund within 24 hours of a failed order, contact support with the reference number.
"Successful" transactions — where the network/disco/upstream confirmed delivery — are not reversible. Always double-check the recipient phone number, smartcard or meter number before confirming.
Wallet balances do not expire and are not transferable to another user. Idle accounts may be archived (not deleted) after 24 months of inactivity.

5. Pricing

Prices on the Service are quoted in Nigerian Naira (₦) and include the upstream cost plus our margin.
Prices change in line with our upstream provider; the price you see at checkout is the price you pay. We never apply a hidden surcharge after order confirmation.
Social Boost services are quoted in Naira but priced internally in USD. The exchange rate applied at the moment of purchase (visible on the buy page) is the rate that books the order.

6. Delivery & failed orders

Most VTU orders (data, airtime, cable, electricity, exam pins) deliver within seconds. Some categories take up to a few minutes during network maintenance windows.
Social Boost orders are queued upstream and may start within minutes and complete over hours, depending on the chosen tier (Lite, Saver, Pro, Express, Naija Saver).
Partial Social Boost deliveries — where some, but not all, of the requested quantity is delivered — are NOT auto-refunded. Refill is available on refill-supported tiers only, on request from your order page.
If an order fails or remains "processing" for longer than 24 hours, contact support with the order reference. Pending orders are reconciled automatically by our cron jobs every two minutes.

7. Acceptable use

You agree NOT to use the Service to:

fund any account using stolen card details, fraudulent transfers or compromised payment instruments;
buy services for someone whose phone, smartcard or meter you do not have permission to top up;
order Social Boost on accounts you do not own or have authorisation to grow;
resell our services in a way that misleads the end customer about who they are buying from, or that violates any network operator's terms;
attempt to manipulate the referral system through fake signups, self-referrals or shared-device chains;
scrape, reverse-engineer, brute-force or otherwise abuse the Service or its APIs;
use the Service for any activity that is illegal under Nigerian law.

We may suspend or close any account that we reasonably believe is engaged in any of the above, freeze the wallet balance pending investigation, and where required cooperate with banks, payment processors and law enforcement.

8. Referral programme

You earn a one-time signup bonus when a person you refer makes their first qualifying order, and an ongoing percentage commission on every successful order they make. Current bonus and commission values are visible on your Referrals dashboard.
Referrals are credited to your wallet and are spendable like any other balance.
Self-referrals, same-device referrals and other patterns flagged by our anti-fraud checks are silently disqualified — no commission accrues, but the referred user's account remains valid.
We may change the bonus, commission percentage and qualifying-order rules at any time, with at least 7 days' notice for material changes.

9. Service availability

We aim for 99.9% uptime but cannot guarantee uninterrupted service. From time to time the Service or specific products may be temporarily unavailable due to upstream provider maintenance, network operator outages, scheduled downtime or force majeure. We are not liable for losses arising from such interruptions beyond refunding the affected order to your wallet.

10. Limitation of liability

To the maximum extent permitted by Nigerian law, NaijaTopup's total liability for any claim arising out of or related to your use of the Service is limited to the amount you paid for the specific transaction giving rise to the claim. We are not liable for indirect, consequential, special or punitive damages, including loss of business, lost profits, lost data or reputational harm.

Nothing in these Terms excludes or limits liability for fraud, gross negligence or any liability that cannot be excluded under Nigerian law.

11. Indemnity

You agree to indemnify and hold us harmless from any claim, loss or expense (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your misuse of the Service, or (c) your violation of any law or third-party right while using the Service.

12. Privacy

Our handling of your personal data is governed by our Privacy Policy, which forms part of these Terms.

13. Closing your account

You can ask us to close your account at any time by emailing support@naijatopup.ng from the address on file. Any unused wallet balance can be refunded to the same bank account that funded it (subject to ID verification for amounts above ₦20,000). Some account data must be retained for accounting and regulatory reasons even after closure — see the Privacy Policy for retention periods.

14. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. For material changes (e.g. new fees, narrowing of refund rules, changes to the referral programme), we will notify you by email or in-app message at least 7 days before the change takes effect. Continuing to use the Service after that date constitutes acceptance of the new Terms.

15. Governing law & disputes

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms or your use of the Service shall first be addressed by good-faith negotiation between you and our support team. Where that fails, the dispute will be submitted to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

16. Contact us

If you have a question about these Terms, reach out to us: