1. Overview

AllNaijaMarket is the trading name of AL-NAI JA MARKET, a business registered with the Corporate Affairs Commission (CAC) of Nigeria.

AllNaijaMarket currently operates two separate payment-related systems:

• Direct payments for eligible platform services through supported third-party payment providers.
• Internal promotional or referral credits that may be applied to eligible platform services.

2. Payment Processing

Payments for supported AllNaijaMarket services are processed through third-party payment providers such as Paystack and any other payment provider made available by the platform.

AllNaijaMarket does not store users' card numbers, card PINs, CVVs or online-banking credentials. We may store payment references, amounts, service details, transaction status, refund information and related records required for reconciliation, support, fraud prevention and legal compliance.

Paid platform services may include advertising, promotions, verification, additional shop/product capacity and other services offered from time to time.

3. General Refund Rules

Unless a particular paid service has a more specific refund rule, payments are generally non-refundable after the purchased service has already been materially provided, activated, published, displayed, consumed or completed.

Refund review may be appropriate where, for example:

• A duplicate payment was successfully collected.
• A verified technical billing error occurred.
• A payment was confirmed but the purchased service was not activated.
• A transaction was unauthorized and the claim is supported after appropriate investigation.
• A specific service policy expressly provides a cancellation or refund right.

A request may require the registered email address, payment reference, transaction date, amount, service purchased and a clear description of the issue.

Any time limit stated for a particular service takes priority over a general refund request period.

4. Advertisement Cancellations & Refunds

Homepage advertisements have specific date-based cancellation rules. Each advertising day is treated separately.

Voluntary cancellation by the advertiser

An eligible paid advertising day may be cancelled before that advertising day begins. Under the current advertisement rules, a refund request must be submitted within 7 days of the cancellation.

At the current standard advertising rate of ₦5,000 per day, an eligible voluntarily cancelled future advertising day receives a ₦4,000 refund, while ₦1,000 is retained.

Once an advertising day has started, that day's placement is treated as rendered and is non-refundable under the voluntary-cancellation rule. A cancelled future slot remains protected while an eligible refund is pending or processing. It becomes available to another advertiser only after the refund is successfully processed.

Cancellation for Advertisement Policy violations

Where AllNaijaMarket terminates an advertisement for a policy violation, including prohibited, harmful, deceptive, discriminatory, pornographic, political or social-issue advertising, all qualifying future paid days connected to that particular advertisement are refunded in accordance with the enforcement rules.

The advertiser is notified of the reason for the enforcement action and the related refund treatment. Platform records may also identify the authorized staff member who performed the action.

4A. Delivery Card & Delivery Link Fee Payments

The first successfully generated ANM Delivery Card allowance follows the current Delivery Card policy. Each additional generated Delivery Card currently costs ₦5,000. A paid card fee is ordinarily treated as rendered once the immutable card has been successfully generated.

For a protected Delivery Request, the delivering seller pays the Seller Delivery Card Unlock/Linking Fee snapshotted into that request. The current standard fee is ₦500. This fee pays for the digital introduction, protected address-access and transaction-linking service; it is not a commission on the seller’s sale proceeds. Platform credit cannot be used to pay it.

Once the Delivery Link Fee is successfully confirmed and protected card access has been activated, that digital service is ordinarily complete and the fee is ordinarily non-refundable. Refund review may still be appropriate for a verified duplicate charge, a confirmed payment where AllNaijaMarket failed to activate the paid protected service, an applicable unauthorised-payment claim, or another circumstance required by law.

A later cancellation, rejection or dispute about the goods does not by itself undo a linking/access service that was already successfully supplied. This does not remove any non-excludable consumer right.

4B. Service Card, Service Capacity & Service Linking Payments

Service Spaces, additional Service Cards, customer Service Request linking and provider Service Request unlock/linking are separate paid platform services when the applicable Control Room value is greater than zero.

An additional Service Card fee is ordinarily treated as rendered once the paid card has been successfully generated. A Service-capacity purchase is ordinarily treated as rendered once the purchased spaces have been added to the shop. A customer or provider linking fee is ordinarily treated as rendered once the corresponding formal Service Request connection/access has been successfully activated.

Current Control Room values are: additional Service Card ₦5,000, Service capacity purchase ₦1,000, customer linking ₦500, and provider linking ₦500. The applicable amount for an existing transaction is its snapshotted amount, not necessarily today’s Control Room amount.

Once the paid digital service has been successfully supplied, the fee is ordinarily non-refundable. Refund review may still be appropriate for a verified duplicate charge, a confirmed payment where AllNaijaMarket failed to activate the paid platform service, a supported unauthorised-payment claim, or another circumstance required by law. A later disagreement between customer and provider about the underlying service does not by itself undo a linking service already supplied.

5. Failed, Pending & Duplicate Payments

Failed payments

A failed payment should not activate the paid service. If your bank or payment provider shows a debit while AllNaijaMarket shows the payment as failed or pending, allow the payment provider's reconciliation process to complete before paying again where practical.

Pending payments

Some transactions may remain pending while the payment provider or AllNaijaMarket verifies the final status. A pending status does not mean that the service has been permanently activated.

Duplicate payments

Where two successful charges are confirmed for the same intended platform service and only one should have been collected, the duplicate payment may be reviewed for refund.

6. Discount Voucher & Promotional Credits

AllNaijaMarket may provide internal promotional credits through referral rewards, campaigns, administrative incentives or other approved reward programmes.

Under the current seller referral programme, an eligible seller referral may earn a platform credit equivalent to ₦250 after the referred seller completes the first qualifying payment.

These credits:

• Are not user deposits or cash balances.
• Are not withdrawable as money.
• Cannot be sold or exchanged for cash.
• Cannot be transferred outside AllNaijaMarket.
• May only be applied to eligible platform services according to the applicable reward rules.

Invalid, fraudulent or abusive reward activity may result in reversal of promotional credits, restriction of reward eligibility or account action.

7. Refund Method, Timing & Chargebacks

Approved cash refunds are ordinarily returned through the relevant payment-provider process or another lawful refund method selected by AllNaijaMarket for that transaction. Actual settlement time may depend on the payment provider, bank and payment method.

Users are encouraged to contact AllNaijaMarket support before initiating a chargeback where a genuine billing problem can be resolved through the normal support and refund process.

Fraudulent or abusive chargebacks, falsified refund claims or deliberate misuse of payment systems may result in investigation, restriction of paid services, suspension or other account action. Nothing in this section removes any chargeback or consumer right that cannot lawfully be excluded.

8. Account Closure & Promotional Credits

Where an account is deleted, suspended or terminated, unused internal promotional credits may expire or be forfeited according to the applicable platform and reward rules.

This does not remove any separate entitlement to a cash refund that has already been validly approved for an eligible paid transaction.

9. No Banking or Custodial Relationship

Internal promotional credits do not create a banking, deposit-taking, custodial, investment, electronic-money or stored-value relationship between AllNaijaMarket and the user.

Third-party payment providers remain responsible for processing the payment methods and transactions they provide, subject to their own applicable terms and legal obligations.

10. Policy Changes

AllNaijaMarket may update this policy as platform services, payment methods, prices, promotional programmes, laws or operational requirements change.

The current version and revision date will be published on this page. Where a particular booking or paid service has terms shown at the time of purchase, those applicable transaction terms also form part of the relevant payment arrangement.

11. Contact & Refund Review

For a payment or refund issue, provide enough information for the transaction to be identified and reviewed.

• Email: [email protected]
• Website: allnaijamarket.com
• Support: Contact Us