Product Terms
These terms apply when you use the Paid products below. They add to the Terms of Use. Some products are available only in some countries; the app shows what is switched on where you are.
1. Paid Plus
1.1 Paid Plus is a monthly membership that gives free or cheaper delivery, lower service fees and extra reward points, as shown in the app for your country. Benefits may have conditions, such as a minimum order value, shown before you join.
1.2 The price is shown in the app before you join. You pay for each month in advance.
1.3 Renewal. If you turn on automatic renewal, we charge your chosen payment method at the start of each month until you cancel. If automatic renewal is off, your membership ends at the end of the month unless you renew, with a short grace period (currently 3 days) shown in the app.
1.4 Cancelling. You can cancel at any time in the app. Your benefits continue until the end of the month you have paid for. If you cancel within 14 days of first joining and have not used any benefit, we refund that month in full. Otherwise payments are not refundable except where the law requires.
1.5 We may change Plus prices or benefits with at least 15 days' notice. Changes to the price apply from your next renewal, and you can cancel before then.
1.6 We may end a membership for abuse, such as sharing an account or using benefits for resale.
2. Paid Now
2.1 Paid Now offers fixed-price help, such as cleaning, laundry or small repairs, usually within 30 to 60 minutes. The price and what it includes are shown before you book.
2.2 We offer the job to available pros near you. Arrival times are estimates. If no pro accepts, you are not charged.
2.3 If you need more than the task includes, the pro will send a separate quote in the app for you to accept or decline.
2.4 Cancellations and refunds follow the Cancellations and Refunds Policy.
3. Paid Send
3.1 Paid Send lets you book a rider to carry a parcel, or to run an errand that includes buying items for you, with up to 3 stops on one trip.
3.2 You must describe what is being sent accurately, pack it safely and not send anything on the Prohibited Items list. The rider may refuse an item that looks unsafe or prohibited.
3.3 Recipients. You confirm the recipient agrees to receive the item and to be contacted. The recipient confirms delivery with a PIN. Share the PIN only with the right person.
3.4 Errands. For errands, you pay for the items and an errand fee shown in the app, up to the spending limit shown. The rider buys what you asked for or contacts you through the app if something is not available. Keep the receipt photo the rider uploads.
3.5 Loss and damage. If an item is lost or damaged while the rider has it, and the rider is at fault, we refund the delivery fee and compensate the declared value up to the limit shown in the app at booking. Higher-value items need your own insurance.
4. Paid Abroad
4.1 Paid Abroad lets someone outside Ghana or Rwanda (the "payer") pay by card for goods or services for a family member or friend in Ghana or Rwanda (the "recipient"), such as groceries, a cleaner or a repair.
4.2 Paid Abroad is a purchase of goods and services delivered by Partners on Paid. It is not a money transfer: the recipient does not receive cash or a wallet balance.
4.3 Prices are set in local currency. The payer is charged in their card currency at the exchange rate shown before payment, which includes Paid's margin. The rate is fixed for that payment. The payer's bank may charge its own fees.
4.4 The payer confirms the recipient agrees to receive the order and to be contacted, and that the recipient's details are correct. Both see the order's progress and photo proof of delivery or completion.
4.5 If an order cannot be completed, we refund the payer to their card in the card currency. Because exchange rates move, the amount the bank shows may differ slightly from the original charge.
5. Paid Shifts
5.1 Paid Shifts lets businesses book workers for shifts (for example waiters, cleaners, packers or event staff). Workers choose which shifts to accept.
5.2 Workers are independent and are paid for the hours shown by their QR check-in and check-out, at the rate shown when they accepted the shift, less Paid's fee shown in the app. Pay is credited to the worker's Paid wallet after the business confirms the shift or the confirmation window closes.
5.3 Businesses are responsible for a safe workplace, for the work they ask for matching the shift description, and for paying at least the legal minimum wage and any other amounts the law requires for the work.
5.4 If a business cancels within the cancellation window shown in the app, or a worker arrives and is sent home without fault, the worker receives the cancellation pay shown in the app. If a worker does not show up, the business is not charged and the worker may lose access to shifts.
6. Paid for Business
6.1 Paid for Business lets a company open an account, add staff users, set spending limits and approvals, and book Paid services for the company.
6.2 The company is responsible for its users and for every booking they make within the limits it sets.
6.3 If Paid gives the company credit terms, we send one monthly statement with tax receipts, payable within the period shown on it. Late amounts may pause the account, and the company remains liable for them.
6.4 We issue VAT or EBM receipts where the law requires and the company has given its tax details.
7. Home and shop care
7.1 You can record items you own, such as a generator, water tank, air conditioner or shop equipment, and get reminders before servicing is due.
7.2 Reminders are a convenience. You remain responsible for maintaining your equipment safely. Bookings made from a reminder follow the normal Terms.
8. Tips
8.1 Customers can tip a pro or rider after a completed job or delivered order, within 7 days. Tipping is optional and does not affect the service or your rating.
8.2 The whole tip goes to the person you tipped. Paid takes no fee.
8.3 Tips are not refundable once paid, except where a payment error or fraud has happened. If the person you tipped has closed their account, the tip is returned to your Paid wallet.
9. Rewards, coupons and referrals
9.1 Reward points, coupons and referral bonuses have no cash value, cannot be sold or transferred, and are limited to the conditions shown with them (for example minimum order, expiry date, country or number of uses).
9.2 A referral bonus is earned only when the person you invited is new to Paid and completes the qualifying action shown.
9.3 We may cancel rewards, coupons or bonuses gained through fake accounts, self-referral or other abuse, and may change or end a programme with notice in the app. Points already earned stay valid until their expiry.
10. Earnings statements and sharing with lenders
10.1 Pros, businesses and riders can download an income statement from their Paid earnings record. Statements show income on Paid only and are not tax returns or bank statements.
10.2 You may choose to share a verified summary of your record with a licensed lender listed in the app. You decide which parts to share and until when, and you can stop at any time. Each time the lender looks, you are told and it is logged.
10.3 Lenders see a summary only, never your contact details, location, customers or individual jobs.
10.4 Paid is not a lender and does not decide on loans. Any loan offer, its cost and its terms come from the lender, under the lender's own terms. Paid may receive a fee from a lender for introductions, which never affects your record or score.
10.5 Lender sharing is available only once Paid has switched it on in your country and only with lenders licensed by the Bank of Ghana or the National Bank of Rwanda.