These terms govern your use of OKO-TO, a protected payment link product for WhatsApp and Instagram sellers in Nigeria. By joining our waitlist, participating in early access, or using any OKO-TO service, you agree to these terms. We have written them clearly so they are actually useful. If anything is unclear, reach out and we will explain it directly.
OKO-TO is currently in early access. We are testing the product with a selected group of sellers before a wider launch. The product at this stage includes: a waitlist for sellers wanting early access, controlled transaction tests with participating sellers and buyers, and protected payment link functionality for agreed orders.
OKO-TO is not a bank, a money transfer operator, or a licensed financial institution. Payments processed through OKO-TO use regulated third-party payment infrastructure. OKO-TO is the trust and coordination layer that sits between the buyer and seller. When the full product launches, additional terms will apply to payment, escrow, and payout features. Those terms will be shared clearly before anyone is bound by them.
Every OKO-TO transaction follows a defined sequence:
Both parties agree to this process by using the platform. The terms of each transaction are set in the payment link before money changes hands.
Sellers using OKO-TO accept the following obligations.
Sellers must describe items honestly and accurately in the payment link. The item name, condition, size, colour, and any material detail must reflect what will actually be delivered. Misleading descriptions are grounds for dispute and may result in suspension from the platform.
Sellers are responsible for shipping within the timeframe stated in the payment link and must be able to provide delivery proof if requested. Accepted proof includes a dispatch receipt, waybill, tracking number, rider confirmation, or delivery photo.
Sellers must correctly identify whether an order is an in-stock item or a sourced item. Sellers sourcing from third parties must disclose the sourcing timeline and refund conditions clearly before the buyer pays. Failure to disclose this accurately is a breach of platform rules.
If a dispute is raised, the seller must respond within the timeframe communicated by OKO-TO and provide any relevant evidence. Sellers who do not respond to a legitimate dispute may have funds held or released in favour of the buyer.
Sellers must not create payment links for items they do not intend to deliver, create fictitious orders, or attempt to manipulate the dispute process. Confirmed fraudulent activity will result in immediate suspension and may be reported to relevant authorities.
Buyers using OKO-TO accept the following obligations:
Either the buyer or the seller can raise a dispute. Disputes must be raised within the buyer review window. A dispute cannot be raised after the review window has closed and funds have already been released.
During early access, disputes are raised by contacting OKO-TO through the channel communicated at the time of the transaction. When the full platform launches, a formal dispute interface will be available within the product.
Both parties may submit any of the following:
OKO-TO aims to review submitted evidence and reach a decision within a reasonable timeframe communicated at the start of the dispute. During review, funds remain on hold. Both parties will be notified of the outcome and the reasoning behind it.
Dispute outcomes are based on: the original terms in the payment link, the evidence provided by both sides, available delivery proof, and any inconsistencies between what was agreed and what was delivered. OKO-TO's decision is final within the platform. Parties retain the right to pursue external legal remedies independently.
After the seller has shipped and the buyer has received the item, the buyer enters a review window. The length of this window is defined in the payment link terms agreed before payment. The following rules apply:
These rules apply regardless of whether the buyer is reachable after the window closes. Sellers should retain all delivery documentation until the review window has passed.
A refund or payment reversal may be considered if:
Custom products including wigs, tailored garments, made-to-order items, and personalised goods have specific rules. Because these items are made specifically for the buyer:
If a buyer receives a damaged item, they must document the damage with photos or video before raising a dispute. The seller must be given the opportunity to respond before a decision is reached.
If an item is lost or undeliverable during transit and the seller has evidence of dispatch, responsibility may rest with the logistics provider. OKO-TO will review the available evidence and work toward a fair resolution for both parties.
OKO-TO may not be used for any of the following:
Sellers found using OKO-TO for prohibited transactions will be suspended immediately and may be reported to relevant Nigerian authorities.
During early access, sellers accepted into the programme have zero platform fees for their first month. After this period, OKO-TO will introduce a transaction fee per completed order. Fee rates will be communicated clearly before they take effect. No fee will be charged without prior notice. Sellers will always be able to see the applicable fee before creating a payment link.
All users agree not to:
OKO-TO is a coordination and trust layer. We facilitate the process between buyers and sellers. We are not the seller, the courier, or the financial institution holding the funds.
OKO-TO is not liable for: loss or damage caused by third-party logistics providers, the accuracy of information provided by sellers or buyers, technical interruptions during early access, or disputes that cannot be resolved due to insufficient evidence from either party. When the full payment product launches, a more detailed liability framework specific to financial transactions will be provided.
These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising from these terms that cannot be resolved through OKO-TO's internal process is subject to Nigerian jurisdiction.
Questions about these terms can be sent through our Instagram page or via WhatsApp. During early access, we respond to every message directly. You will not get a bot or a form with no follow-up.