Brassica (Brassica Pay Limited and Brassica Capital Limited) is governed and guided by the rules and regulations as outlined herein and shall be amended from time to time and these rules and regulations including updates made to them are binding on all who use Brassica’s Services hereafter (the Service).
The following relate to these Terms and Conditions.
2.1.“Your Account” Means your registration with Brassica in order to use the BPay or any of its
2.2. “Account Holder” refers to the individual (person or business) in whose name the bank account is
2.3.“The App” Means Brassica Pay
2.4. “Bank Account” Means financial account into and out of which money is paid and moved.
2.5.“Brassica” Means Brassica Pay Limited and Brassica Capital Limited.
2.6.“Cell Phone” Means means a telecommunication device that uses radio waves over a networked area (cell) and is used to access telecommunication services.
2.7. “Credit” Means depositing money into a mobile money wallet or a bank account.
2.8. “Customer” Means a person who downloaded the BPay and has fully onboarded according to the
onboarding terms specified in these terms and conditions.
2.9. “Debit” Means movement of money from your Source of Fund.
2.10. “E-mail” Means electronic mail sent via computer and computer networks.
2.11. “GSM” Means the Global System for Mobile communications as defined in the European
Technical Standards Institute's list of specifications.
2.12. “Mobile Money” Means electronic money held with any of the providers of such services.
2.13. “Mobile Money Wallet” Means the electronic account into and out of which money is paid
2.14. “Name Enquiry Check” refers to the process that is used to validate and bring the name of
the mobile money wallet or bank account holder to which customer is sending or transferring
money to customer so customer can be sure they are sending money to the right account or wallet.
2.15. “Partner Banks"
2.16. “PIN” Means Personal Identification, the secret code you choose for your Mobile Money
Wallet and Bank account without which transactions on such accounts cannot be executed.
2.17. “POS” Means Point of Sale device which is used for Mobile Money transactions.
2.18. "Recipient Account" Means the Mobile Money Wallet or Bank Account into which money is
2.19. “Sign Up” refers to the process of registering with the required and accurate information in
order to be a customer and be able to use the BPay service.
2.20. “SMS” Means a Short Messaging Service consisting of text message.
2.21. “Source of Fund” Means the Mobile Money Wallet or Bank Account which is added to a
users’ account on the Service.
2.22. “The Service” Means Brassica’s website Brassica’s payment services which include BPay,
Brassica Bulk Payments, Brassica Remit, Brassica Merchant Wallet, Brassica Payment Cards, and any
other service to which Brassica may apply these terms and conditions.
2.23. “Transfer” Means paying money out of your Source of Fund.
2.24. “Transact” or “Transaction” means the transfer of money from one wallet to another wallet, transfer of money from one wallet to a bank account, transfer of money from one bank account to another and the purchase of data and airtime.
2.25. “User Manual” refers to a document, brochure or booklet with information and instructions on how to use the Service.
2.26. “Wallet” Means a customer’s Mobile Money transactional account which is accesses primarily through their cellphone.
2.27. “Wallet Holder” refers to the individual (person or business) in whose name the Mobile Money wallet is registered.
2.28. “We” or “Us” or “Our” refers to Brassica Pay Limited and Brassica Capital Limited.
2.29. “You” or “Your” refers to the user or Customer of the Service.
You request a demo of Bearer
We call you
You use Bearer
You receive emails from us
You chat with us for customer support
You opt-in to marketing messages
3.1. Using the BPay, customers will be able to a) Send money, (transfer money) b) Pay bills, c) Buy airtime and data and d) Check the things they spend money on.
3.2. Users of the BPay will be informed of the availability of any services and features as and when those services and features become available.
4.1.To be able to use the Service, customers will be required to sign up.
4.2.The process of sign up requires prospective customers to provide basic information such as name
and phone number.
4.3. For purposes of preventing fraud and also satisfying regulatory requirements, prospective
customers will as part of the sing up process be asked to provide information such as their Ghana
Card number and a self-photograph (selfie)
4.4.The Ghana card number together with the self-photograph are used to verify the profile of the
4.5.Without this verification, prospective customers cannot do any transaction on the Service.
4.6. BPay can only be used by persons 18 years and above and with a validly issued Ghana Card. This
includes resident foreigners with a validly issued Non-resident Ghana card.
4.7.Brassica reserves the sole right to decline registration or sign up onto the Service.
4.8. If upon verification Brassica is not satisfied with the information provided, we may refuse your sign up onto the Service.
5.1.You pay fees and charges when you use the Service.
5.2.Brassica reserves the right to revise and update these fees and charges and inform its customers of
such revisions in fees and charges.