Last updated: August 17, 2026 — Version applicable to all xFin Services.
These Terms of Use (hereinafter the "Terms") govern access to and use of the xFin solution, a payment infrastructure published by MicroLink, a company registered at BP 521, Libreville, Gabon (Statistical ID No. 085332F — RCS No. 2006B04993 — License No. 001-8073GU1 dated 03/06/2006), hereinafter "xFin", "MicroLink" or "the Publisher". Any account creation, technical integration or use of the Services constitutes full and unqualified acceptance of these Terms.
These Terms set out the terms and conditions under which MicroLink makes the xFin solution available to its Clients, enabling the integration of payment methods (Mobile Money, Visa/Mastercard cards and other supported instruments) into merchant websites, mobile applications and business software, as well as the respective rights and obligations of the parties in this context.
Access to the Services, whether in the Sandbox environment or the production environment, is conditional on unreserved acceptance of these Terms. Such acceptance takes effect upon creation of the Merchant Account or, absent a formal account, upon first technical use of the Services (API call, integration of a payment module, etc.). The Client warrants that they have the legal capacity and, where applicable, the authority required to bind the legal entity they represent.
Depending on the plan subscribed to, xFin makes the following available to the Client:
The availability of certain features may vary depending on the plan subscribed to, the Client's country of operation and the Payment Partners available in their area of activity within the CEMAC region.
Opening a Merchant Account requires the Client to provide accurate and up-to-date information (identity, proof of business activity, payout bank details, etc.) and, where applicable, to undergo an identity and business verification process ("KYC/KYB") carried out by xFin or its Payment Partners before the production environment is activated. xFin reserves the right to refuse an account opening request, without obligation to provide reasons, particularly where the applicant's activity cannot be supported under applicable regulations or xFin's internal risk management policies.
The Client is solely responsible for the confidentiality of their login credentials and API keys, and for any action taken from their Merchant Account. The Client undertakes to inform xFin without delay in the event of suspected compromise of their access credentials.
The Client undertakes in particular to:
xFin acts as a technical service provider ensuring interconnection between the Client's systems and the Payment Partners. Unless otherwise stated in a specific agreement or license brought to the Client's attention, xFin does not act as a credit institution or electronic money institution, and does not hold funds on a lasting basis on behalf of the Client or its End Users: funds move according to the arrangements specific to each Payment Partner, in compliance with applicable regulations within the CEMAC region.
xFin undertakes to use reasonable means to ensure the availability, security and proper functioning of the Services, subject to a best-efforts obligation and to external technical dependencies (Payment Partners, telecom operators, hosting providers).
Use of the Services is billed according to the pricing schedule in effect, communicated to the Client upon subscription or available on request from MicroLink. Unless otherwise agreed, applicable fees include, in particular, set-up fees, a commission per Transaction and, where applicable, periodic fixed fees. Prices are quoted exclusive of tax; applicable taxes (notably Gabonese TPS) are added in accordance with regulations in effect.
xFin reserves the right to change its pricing schedule, subject to reasonable notice given to the Client by any appropriate means (email, Merchant Portal). Continued use of the Services after a new pricing schedule takes effect constitutes acceptance of that schedule.
Transactions are processed by xFin in interconnection with the relevant Payment Partners. Fund payout timeframes to the Client are those communicated upon subscription or specified in the Merchant Portal, and may vary depending on the Payment Partner used, the country concerned and the control procedures in effect. xFin cannot be held liable for delays attributable to a third-party Payment Partner.
In the event of an anomaly observed on a Transaction (double debit, payment failure, dispute reported by an End User), the Client undertakes to inform xFin as soon as possible so that a verification procedure can be opened with the relevant Payment Partner.
xFin implements technical and organizational measures designed to detect and prevent fraudulent use of the Services. In this context, xFin may suspend, as a precautionary measure, a Transaction, a Merchant Account or an access, in particular in the event of suspected fraud, money laundering, terrorist financing, or any activity contrary to regulations applicable within the CEMAC region regarding anti-money laundering and counter-terrorist financing (AML/CFT).
The Client undertakes to cooperate with xFin and, where applicable, with the competent authorities, in connection with any verification or investigation relating to a suspicious Transaction.
The processing of personal data collected in connection with use of the Services is described in MicroLink's Privacy Policy, available separately. The Client, as data controller for the data of their own End Users, undertakes to comply with applicable personal-data-protection regulations, in particular Gabonese Law No. 001/2011 on the protection of personal data.
All elements comprising the Services (software, API, documentation, trademarks, logos, interfaces) remain the exclusive property of MicroLink or its licensors. Nothing in these Terms shall be construed as transferring any intellectual property right to the Client, who benefits only from a non-exclusive, non-transferable right of use, limited to the term of the contract and to the purpose of using the Services.
xFin undertakes to provide the Services diligently and in accordance with good industry practice, without however guaranteeing uninterrupted availability, particularly in the event of maintenance, failure of a Payment Partner, a telecom operator, or a case of force majeure. xFin cannot be held liable for indirect damages (loss of revenue, loss of customers, damage to reputation) resulting from the use or inability to use the Services.
Except in the case of duly established gross negligence or willful misconduct, xFin's total liability for any given financial year is, in all cases, limited to the amount of commissions actually received by xFin from the Client in respect of the relevant Services over the contractual period in question.
Neither party may be held liable for any failure to perform, or delay in performing, any of its obligations resulting from a force majeure event as recognized by case law and applicable legislation, including in particular natural disasters, prolonged power or telecommunications network outages, decisions by public authorities, or a widespread failure of a Payment Partner beyond xFin's control.
These Terms apply for the entire duration of use of the Services. xFin may suspend or terminate access to the Services, automatically and without notice, in the event of a serious breach by the Client of their obligations (fraudulent use, non-compliance with applicable regulations, persistent non-payment), subject to informing the Client as soon as possible.
The Client may request closure of their Merchant Account at any time, subject to settlement of any amounts owed and clearing of ongoing Transactions. Termination does not affect rights and obligations arising prior to its effective date.
xFin reserves the right to amend these Terms at any time, in particular to reflect regulatory, technical or commercial developments. Any material change is brought to the Client's attention by email or via the Merchant Portal, with reasonable notice before it takes effect. Continued use of the Services after that date constitutes acceptance of the amended Terms.
Each party undertakes to preserve the confidentiality of non-public information it becomes aware of in the course of performing these Terms (technical, commercial and financial information), and to use it only for the purpose of performing the Services, for the entire duration of the contractual relationship and for a reasonable period thereafter.
These Terms are governed by Gabonese law and applicable community texts within the CEMAC region, notably in relation to payment services, without prejudice to public-order provisions arising from OHADA uniform law. In the event of a dispute concerning the validity, interpretation or performance of these Terms, the parties shall endeavor to seek an amicable resolution before any legal action. Failing an amicable agreement, the competent courts of Libreville shall have sole jurisdiction, unless a mandatory legal provision states otherwise.
Should any provision of these Terms be declared void or unenforceable, the remaining provisions shall retain their full force and effect. The fact that either party does not enforce a breach by the other party of any obligation referred to in these Terms shall not be construed as a waiver of that obligation for the future.
For any question relating to these Terms, the Client may contact MicroLink:
