Payments & Refunds Policy

• Card: your default saved card is charged when the trip is completed.
• Point2 wallet: the fare is taken from your wallet balance.
• Cash: pay the operator directly. Not available for towing or cargo.
• Pay Later: where available, see below.

Towing and cargo bookings take a deposit of 30% of the estimated fare when an operator accepts. It counts towards the final fare. If the operator cancels, the deposit is returned to your Point2 wallet. If you cancel after an operator has accepted, the cancellation fee in the Terms of Service applies.

• You can top up by card, bank transfer or USSD through Paystack, or by transfer to a dedicated account number if you opt in to one.
• A top-up is added to your wallet only after the payment is confirmed.
• Wallet balance is for paying for Point2 services. Customers cannot withdraw it to a bank account or send it to another user.
• Promotional credit can only be spent on trips and cannot be exchanged for cash.
• If you want to close your account while you still have a balance, contact support first: the app does not let you delete an account that holds a balance.

Pay Later lets eligible customers book a trip now and repay it by a date they choose.

• It is available only in cities where it is switched on, and requires identity verification (NIN and a liveness check).
• Your Pay Later limit is set by an automated assessment of your account, including verification, account age, trip history, repayment history and cancellations. You can ask us to review a decision.
• A Pay Later fee of 10% of the amount is charged on each use.
• If you repay late, a late fee of 1% per day applies, for at most 30 days. No late fee accrues while a dispute about the trip is open.
• On the due date we try to collect from your default card, then your wallet. While any amount is overdue you cannot use Pay Later; after 30 days overdue you cannot make any booking until it is paid.
• You can have at most two unpaid Pay Later amounts at a time.

• Ask for a refund in the app (Help & Support) or by contacting us within 3 days of the trip being completed.
• Each refund request is reviewed by our team; refunds are not automatic.
• An approved refund is paid to your Point2 wallet. A refund cannot be more than you paid through Point2, so a cash fare cannot be refunded (except a deposit you paid digitally).
• For card or wallet-paid delivery, cargo and towing trips, the operator's payment is held for 24 hours so we can resolve a problem you report in that time.
• A promo code's value is not refunded as cash.

Payments are received by POINT2 DIGITAL LTD. If a charge looks wrong, contact us:

• Email: support@point2.app
• Phone: 0811 233 6839
• In the app: Account → Help & Support (where you can also raise a ticket).
• Online: www.point2.app/support