Payora Policies & User Agreement

Payora Policies & User Agreement

Last Updated: September 12, 2026

Welcome to Payora.

Payora is a task and advertising platform that connects members with opportunities to complete advertiser-funded tasks and earn rewards. Payora also provides advertisers with tools to create campaigns and reach users through sponsored tasks.

By registering for, accessing, or using Payora, you acknowledge that you have read, understood, and agreed to the policies and terms contained in this document.

If you do not agree with these policies, please do not use Payora.

1. ABOUT PAYORA

Payora provides a digital marketplace where:

  • Members can register and participate in available tasks.
  • Advertisers can create and fund campaigns.
  • Members can submit completed tasks for review.
  • Approved task rewards are credited to eligible members.
  • Members may earn referral rewards when qualifying referral conditions are satisfied.
  • Eligible members can request withdrawals subject to Payora’s withdrawal requirements.

Payora does not guarantee that a member will receive a particular number of tasks or earn a particular amount of money.

Task availability depends on advertiser campaigns, available slots, campaign budgets, eligibility requirements and other platform conditions.

2. ELIGIBILITY

To use Payora, you must provide accurate registration information and comply with applicable laws.

You must not use Payora if doing so would violate any law or regulation applicable to you.

Payora may restrict access to users who violate these policies or engage in fraudulent, abusive or suspicious activity.

3. ACCOUNT REGISTRATION

To create an account, you may be required to provide information including:

  • Username
  • Email address
  • Password
  • Phone number or other account information where required

You are responsible for keeping your login credentials confidential.

You should immediately contact Payora if you believe that someone has gained unauthorized access to your account.

One-account policy

Unless Payora expressly permits otherwise, each individual should maintain only one member account.

Creating multiple accounts for the purpose of obtaining additional registration, referral or task benefits is prohibited.

4. REGISTRATION FEE

Payora currently requires a ₦5,000 registration fee for member registration.

The registration fee is a platform access/registration charge.

Important

The ₦5,000 registration fee:

  • Is not an investment.
  • Is not a deposit into your earning wallet.
  • Is not a guaranteed source of future income.
  • Does not guarantee access to a particular number of tasks.
  • Does not guarantee a particular amount of earnings.
  • Does not automatically become withdrawable wallet balance.

Members should not register with the expectation of guaranteed financial returns.

Any refund associated with a registration payment will be handled according to Payora’s applicable refund rules and the circumstances of the transaction.

5. TASKS

Payora may display tasks created and funded by advertisers.

Tasks may include activities such as:

  • Social media engagement
  • Website visits
  • Surveys
  • App or website testing
  • Content-related activities
  • Research activities
  • Other legitimate advertiser-sponsored activities

The actual tasks available to each member may vary.

Advertisers may determine:

  • Task description
  • Task requirements
  • Reward amount
  • Number of available slots
  • Campaign duration
  • Eligibility requirements

6. TASK REWARDS

A task may display a reward amount before you begin the task.

For example, a campaign may offer:

₦200 per approved task.

The displayed reward is credited only when the task has been properly completed and the submitted work has been approved in accordance with the campaign requirements.

Payora does not guarantee that every task will pay ₦200 or that ₦200 tasks will always be available.

Advertisers may create campaigns with different reward amounts.

7. TASK SUBMISSION AND APPROVAL

After completing a task, a member may be required to submit evidence or confirmation of completion.

A submission may be:

  • Approved
  • Rejected
  • Kept pending for review

A reward is normally credited after the relevant submission has been approved.

A submission may be rejected where:

  • The task was not completed correctly.
  • Required evidence was not provided.
  • Evidence is inaccurate or misleading.
  • The member failed to follow the task instructions.
  • Duplicate activity is detected.
  • Fraudulent or automated activity is suspected.
  • The campaign has ended or is no longer accepting submissions.
  • Other applicable campaign requirements were not satisfied.

Members should carefully read task instructions before beginning a task.

8. TASK AVAILABILITY

Tasks may become unavailable when:

  • All available slots have been completed.
  • The campaign budget has been exhausted.
  • The advertiser pauses the campaign.
  • The campaign expires.
  • The campaign is completed.
  • Payora removes or suspends the campaign.

Payora is not responsible for guaranteeing that a particular task will remain available.

9. REFERRAL PROGRAM

Payora may provide members with a personal referral link.

A member may receive a referral reward when a referred person satisfies Payora’s qualifying referral requirements.

The current referral reward is:

₦2,000 per qualifying referral.

A referral must be genuine and must comply with Payora’s rules.

Referral rewards may be withheld or reversed where Payora identifies:

  • Duplicate accounts
  • Self-referrals
  • Fake accounts
  • Fraudulent registration
  • Manipulation of the referral system
  • Unauthorized referral activity
  • Other abusive activity

Payora may modify, suspend or terminate the referral program where necessary.

10. WALLET AND EARNINGS

Your Payora wallet may contain different types of balances or transactions, including:

  • Task earnings
  • Referral rewards
  • Wallet adjustments
  • Withdrawal transactions
  • Refunds
  • Other legitimate wallet transactions

Your wallet balance is different from the registration fee you paid.

Transactions may be recorded in your Payora transaction history.

Members should regularly review their transaction records and report suspected errors to Payora support.

11. WITHDRAWAL POLICY

Members may request a withdrawal when their available balance satisfies Payora’s withdrawal requirements.

The current minimum withdrawal amount is:

₦10,000

Payora currently applies a:

10% withdrawal platform fee.

For example, if a member requests a gross withdrawal of:

₦10,000

the applicable 10% platform fee would be:

₦1,000

leaving:

₦9,000

as the net payout amount.

The exact amount displayed by Payora at the time of withdrawal should be treated as the applicable amount.

12. WITHDRAWAL PROCESS

Withdrawal requests generally follow this process:

Pending → Approved → Paid

Pending

The request has been submitted and is awaiting review.

Approved

The request has been reviewed and approved for payout.

Paid

Payora has marked the withdrawal as paid after completing the applicable payout process.

Members must provide accurate banking information.

Payora is not responsible for delays or losses caused by incorrect bank details supplied by a member.

13. WITHDRAWAL SCHEDULE

Payora’s current intended withdrawal processing schedule is weekly, on Fridays.

Processing times may vary because of:

  • Bank processing
  • Public holidays
  • Technical issues
  • Account verification
  • Fraud or security checks
  • Incorrect banking information
  • Other circumstances outside Payora’s reasonable control

A withdrawal request does not automatically mean that funds have already been transferred to the member’s bank account.

14. REJECTED WITHDRAWALS

Payora may reject a withdrawal request where:

  • Account information is incorrect.
  • Fraud or suspicious activity is detected.
  • The account violates Payora policies.
  • The withdrawal does not satisfy platform requirements.
  • The wallet balance is subject to a legitimate restriction.
  • Other reasonable security or compliance concerns exist.

Where an eligible withdrawal is rejected and the system has already reserved or deducted the withdrawal amount, Payora may return the applicable gross withdrawal amount to the member’s available wallet balance according to the platform’s withdrawal process.

15. ADVERTISER CAMPAIGNS

Advertisers can use Payora to create sponsored task campaigns.

An advertiser may specify:

  • Campaign title
  • Task description
  • Instructions
  • Reward per task
  • Number of slots
  • Campaign duration
  • Other applicable requirements

Advertiser campaigns must be funded according to Payora’s campaign requirements before they can become active.

16. ADVERTISER CAMPAIGN BUDGET

Campaign budgets are generally calculated according to the reward offered and the number of available slots.

For example:

₦200 reward × 50 slots = ₦10,000 campaign budget.

Advertiser campaign funds may be reserved when a campaign is approved.

Campaign funds are intended to support the applicable advertiser campaign and member task rewards.

Where a campaign ends with unused reserved funds, Payora may release the eligible unused amount back to the advertiser’s Payora wallet according to the platform’s campaign rules.

17. PAUSING AND EXPIRATION OF CAMPAIGNS

Advertisers may be able to pause an active campaign.

When a campaign is paused:

  • The associated task may become unavailable.
  • New task completions may be prevented.
  • Reserved campaign funds remain protected.
  • The original campaign expiration date may remain unchanged.

Campaigns may also automatically expire after their designated campaign period.

Expired campaigns may no longer accept new task activity.

18. ADVERTISER RESPONSIBILITIES

Advertisers are responsible for ensuring that their campaigns are legitimate and comply with applicable laws and Payora policies.

Advertisers must not use Payora to promote:

  • Illegal activities
  • Fraudulent schemes
  • Malware
  • Phishing
  • Harmful content
  • Deceptive activities
  • Prohibited products or services
  • Activities designed to manipulate users or third-party platforms unlawfully

Payora may reject, suspend or remove campaigns that violate these requirements.

19. PROHIBITED MEMBER ACTIVITIES

Members must not attempt to manipulate the Payora platform.

Prohibited activities include:

  • Creating multiple accounts to obtain additional benefits.
  • Creating fake referrals.
  • Self-referring.
  • Submitting fraudulent task evidence.
  • Using bots to complete tasks.
  • Using automated scripts to manipulate the platform.
  • Attempting to bypass security controls.
  • Manipulating task completion records.
  • Exploiting software vulnerabilities.
  • Providing false account information.
  • Using another person’s account.
  • Attempting unauthorized access to another user’s account.
  • Engaging in payment fraud.
  • Any activity intended to improperly obtain money or rewards.

20. FRAUD AND SECURITY

Payora may use automated and manual security measures to identify suspicious activity.

Where suspicious activity is detected, Payora may:

  • Temporarily restrict an account.
  • Delay a transaction.
  • Reject a task submission.
  • Reject a withdrawal.
  • Suspend an account.
  • Terminate an account.
  • Investigate relevant transactions.

Where appropriate, Payora may request additional information to verify an account or transaction.

21. ACCOUNT SUSPENSION OR TERMINATION

Payora may suspend or terminate an account where there is reasonable evidence that the account has:

  • Violated these policies.
  • Engaged in fraudulent activity.
  • Manipulated the referral system.
  • Submitted fraudulent task evidence.
  • Attempted unauthorized access.
  • Misused Payora services.
  • Created security risks.
  • Violated applicable law.

Where an account is suspended or terminated, Payora may restrict access to some or all platform features while the matter is investigated.

22. PRIVACY POLICY

Payora may collect information necessary to operate the platform.

This may include:

  • Name or display name
  • Username
  • Email address
  • Phone number
  • Password-related information
  • Banking information supplied for withdrawals
  • Transaction information
  • Task activity
  • Referral activity
  • Advertiser campaign activity
  • Device and technical information
  • IP address and security-related information
  • Information submitted when contacting support

Payora uses this information for purposes including:

  • Creating and managing accounts.
  • Processing transactions.
  • Managing tasks.
  • Processing withdrawals.
  • Operating referral programs.
  • Providing customer support.
  • Preventing fraud.
  • Improving platform security.
  • Maintaining platform functionality.
  • Complying with legal obligations.

23. PAYMENT INFORMATION

Payora may use third-party payment providers to process payments.

Payment providers may process payment information according to their own privacy policies and terms.

Payora does not represent that it directly controls the internal systems of third-party payment processors.

Users should review the applicable terms and privacy policies of payment providers when making transactions.

24. DATA SECURITY

Payora takes reasonable measures to protect account and transaction information.

However, no internet-based service can guarantee absolute security.

Users are responsible for maintaining the security of their passwords and account credentials.

If you suspect unauthorized access to your account, contact Payora support as soon as possible.

25. COOKIES

Payora may use cookies and similar technologies to:

  • Keep users logged in.
  • Maintain website functionality.
  • Remember preferences.
  • Improve user experience.
  • Understand website usage.
  • Support analytics.
  • Support advertising functionality.

Third-party advertising providers may also use cookies or similar technologies according to their own policies.

Users may be able to control cookies through their browser settings.

Disabling certain cookies may affect some website functionality.

26. ADVERTISING AND THIRD-PARTY SERVICES

Payora may display advertisements from third-party advertising networks.

Advertising revenue may help support:

  • Website hosting
  • Platform infrastructure
  • Software development
  • Security
  • Maintenance
  • Customer support
  • Other Payora operating costs

Advertisements displayed on Payora may be provided by independent third-party advertising companies.

Payora does not necessarily endorse every product, service or offer displayed through third-party advertisements.

Users should conduct their own assessment before purchasing products or services advertised by third parties.

27. INTELLECTUAL PROPERTY

Unless otherwise stated, Payora’s website, branding, logos, design elements, software, written content and other original materials are owned by or licensed to Payora.

You may not reproduce, copy, modify, distribute or commercially exploit Payora’s proprietary materials without appropriate authorization.

Advertiser-provided materials remain subject to the rights of their respective owners.

28. THIRD-PARTY LINKS

Payora may contain links to third-party websites, applications or services.

These third-party services are not necessarily controlled by Payora.

Payora is not responsible for the content, availability, security or privacy practices of independent third-party websites.

Users should review the terms and privacy policies of third-party websites before using them.

29. NO GUARANTEE OF EARNINGS

Payora does not guarantee income or earnings.

The amount a member may earn can depend on:

  • Number of available tasks
  • Task reward amounts
  • Campaign availability
  • Successful task completion
  • Task approval
  • Referral activity
  • Campaign budgets
  • Member eligibility
  • Platform availability

Examples of potential earnings displayed on Payora are illustrations only and should not be interpreted as guaranteed income.

30. PLATFORM AVAILABILITY

Payora aims to maintain reliable access to the platform but does not guarantee uninterrupted availability.

The platform may occasionally be unavailable because of:

  • Maintenance
  • Software updates
  • Hosting issues
  • Network problems
  • Payment-provider problems
  • Security incidents
  • Force majeure events
  • Other circumstances outside Payora’s reasonable control

31. LIMITATION OF LIABILITY

To the extent permitted by applicable law, Payora shall not be responsible for losses arising from circumstances outside its reasonable control, including third-party service interruptions, banking delays, internet failures, unauthorized access resulting from compromised user credentials, or advertiser actions.

Nothing in these policies is intended to exclude or limit liability that cannot lawfully be excluded or limited.

32. POLICY CHANGES

Payora may update these policies from time to time.

When changes are made, the updated version may be published on this page together with a revised Last Updated date.

Users should periodically review this page.

Continued use of Payora after applicable policy changes may constitute acceptance of the updated policies, subject to applicable law.

33. CUSTOMER SUPPORT AND COMPLAINTS

If you experience a problem with your account, task, payment, withdrawal, referral or advertiser campaign, you should contact Payora through the official support channel provided on the website.

When contacting support, provide sufficient information to help Payora investigate the matter.

For transaction-related complaints, you may be asked to provide:

  • Username
  • Transaction reference
  • Date of transaction
  • Amount
  • Relevant screenshots or information

Do not send your password to customer support.

34. GOVERNING LAW

These policies are intended to be interpreted in accordance with applicable laws and regulations.

Where appropriate, disputes should first be brought to Payora for an opportunity to resolve the matter through customer support.

Any applicable governing-law and dispute-resolution provisions should be finalized with appropriate legal advice before Payora begins full commercial operation.

35. ACCEPTANCE OF THESE POLICIES

By registering for or using Payora, you acknowledge that you have read and understood these policies.

You agree to comply with:

  • Payora’s platform rules
  • Task requirements
  • Advertiser requirements
  • Withdrawal requirements
  • Referral rules
  • Privacy provisions
  • Security requirements
  • Applicable laws and regulations

If you do not agree with these policies, you should not use the Payora platform.

IMPORTANT NOTICE

Payora is a task and advertising platform. It is not an investment scheme, savings platform, or guaranteed-income program.

The availability of tasks and the amount a member may earn depend on available campaigns, successful task completion, approval and other applicable conditions.

Members should not spend money they cannot afford to lose or register solely on the expectation of guaranteed financial returns.

CONTACT PAYORA

For questions, complaints, account assistance or other enquiries, please contact Payora through the official support information provided on the website.

Payora
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