This is your agreement with Sterling Bank Plc setting out the terms and conditions that apply when you access or use ChatPay Services. ChatPay is our Person-to-Person payment service through which customers may send and receive payments using their mobile phone via different social media platforms. This Agreement governs your use of ChatPay and you must review this Agreement and confirm your acceptance to its terms and conditions by selecting "OK".


"Sterling Bank Account" means a Personal Deposit you designate from time-to-time as a payment method used to load funds; "Electronic Access Device" means a personal computer, telephone, mobile phone, smart phone, personal digital assistant or any other electronic device, including wireless devices that will allow you to access ChatPay.

"PIN" means the confidential Personal Identification Number you select to identify yourself and to confirm transactions through ChatPay. "Transaction" means any loading of funds from a Funding Source to a Sterling Account, any offloading of funds from a Sterling Account to a Personal Deposit Account, and any Payment. We may establish other eligibility criteria and enrolment requirements from time-to-time.

“Registration” ChatPay will allow you access the application either by registering for the service using your Sterling account or by using a debit / credit card. "Responsibility for merchant Payments" You decide if you want to make or request a Payment. We do not guarantee the identity of any Participant or Merchant, and we are not responsible for any disputes you have with such Participant or Merchant, including if that Participant or Merchant (i) does not credit you for a Payment for whatever reason, (ii) charges you fees or penalties, or (iii) does not supply goods or services purchased or the goods or services are not suitable.

"Insufficient Funds" If there are insufficient funds, we will not act on your Payment instruction "Fees" You will pay token fees when you make transactions/transfers. These fees are displayed before the transaction is committed and is available by contacting our call centre.

"Prohibitions on Use" You will not access or use ChatPay for an illegal, fraudulent, malicious or defamatory purpose, "Password and PIN Security" Your Password, PIN and Identification Question must be unique and not easily guessed. You must always keep your Password, PIN and Identification Questions strictly confidential.

You will notify us immediately if you become aware of any unusual, suspicious or fraudulent activity on your ChatPay. "Release/Indemnities" You will release and indemnify us for any claim, cost and liability we may incur as a result of your breach of the terms and conditions of this Agreement.

Irrevocable Clause: I hereby acknowledge and agree with the Bank that all transactions once authorized and effected shall not be revocable or reversed by the Bank without undertaking full enquiries for the reason whatsoever. The Bank shall not be liable for any unauthorized transactions and I agree to fully indemnify and hold the bank harmless against any action, suit or proceedings initiated against it for any loss, cost or damage incurred by it as a result thereof or arising from the bank acting on my instructions to effect the transfer.

Consumer Protection Clause: The Bank undertakes to protect the privacy of all information provided by users of ChatPay except in instances of disclosure to law enforcement agencies and or statutory agencies to assist in the prevention or detection of fraud or other criminal activities. If you require help or have questions or complaint about ChatPay, please call Sterling Bank Plc customer care center on 014484481-5 our 24 hour, 7 days a week.


You agree to take responsibility for protecting and ensuring safety of your user login profile (User ID and password) at all times. Registration for the ChatPay is for a single user only. Sterling Bank will not be liable for any losses arising from unauthorized access to, or use of your account.


Sterling Bank also reserves the right to temporarily or permanently change, modify or discontinue this service at any time without notice. You hereby agree that Sterling Bank will not be liable to you or any third party for the exercise of these rights of suspension, modification and discontinuation.

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