Terms and conditions
Please read these terms before you use ApnaPay. By opening an account, you agree to them.
1. Your account
You must be at least 18 years old and have a Pakistani mobile number in your own name to open an ApnaPay account. You can have one account per CNIC. The information you give us must be true and up to date.
2. Account levels and limits
Your account starts at Level 0 (Basic). You can move to a higher level by verifying your CNIC. Each level has daily, monthly and balance limits, shown on our charges and limits page and in the app.
3. Keeping your account safe
- Keep your MPIN and OTP secret. Never share them with anyone, including people who say they work for ApnaPay.
- Tell us right away at 0800-00000 if your phone is lost or you think someone else used your account.
- You are responsible for payments made with your MPIN or biometrics until you tell us about a problem.
4. Payments
Check the receiver's name and the amount before you confirm a payment. Once a payment is confirmed it usually cannot be cancelled. If a payment fails, the full amount, including any fee, goes back to your wallet.
5. Charges
Our charges are listed in the schedule of charges. The fee for each payment is shown before you confirm it. We will tell you at least 30 days before we change any charge.
6. Complaints
You can raise a complaint from any payment in the app, by calling 0800-00000 or by emailing support@amtpluspay.com. We aim to resolve complaints within 2 working days and will keep you updated.
7. Closing your account
You can close your account at any time by contacting us. Any balance left in your wallet will be sent to a bank account or wallet you choose. We may block or close an account that is used for fraud or against the law.
8. Changes to these terms
We may update these terms from time to time. If a change affects you, we will tell you in the app before it takes effect.
