Payment Terms

1. Accepted Payment Methods

Veesa Solutions Ltd (trading as Veesa Solutions) accepts the following payment methods:

• M-Pesa — Available to all customers across all 47 Kenyan counties. Payments are processed instantly via Safaricom's Daraja API.
• Cash on Delivery (COD) — Available exclusively to customers in Nairobi County. Payment is collected upon delivery of goods.

2. M-Pesa Payments

• When you select M-Pesa as your payment method, you will receive an STK Push notification on your phone prompting you to enter your M-Pesa PIN to authorise payment.
• You must enter your PIN within 60 seconds. If the request expires, you may initiate a new payment.
• Upon successful payment, you will receive an M-Pesa confirmation SMS from Safaricom and an order confirmation on our website.
• The M-Pesa receipt number (e.g., SLK4XXXXX) is recorded and linked to your order for audit and dispute resolution purposes.

3. Cash on Delivery (COD)

• COD is available only within Nairobi County. If your shipping address is outside Nairobi, M-Pesa is your only payment option.
• Please have the exact amount ready. Our delivery personnel may not carry change.
• Payment must be made to our authorised delivery personnel only, upon receipt and inspection of your goods.
• Refusal to accept a COD order upon delivery without a valid reason (e.g., visible product defect, wrong item) may result in your account being restricted from future COD orders.
• Goods remain the property of Veesa Solutions Ltd until full payment is received and confirmed.

4. Pricing & Currency

• All prices are quoted in Kenya Shillings (KSh) and include applicable taxes unless explicitly stated otherwise.
• The total amount payable includes the product price plus shipping fees, which are calculated based on your county at checkout.
• The price displayed at the time you place your order is final. We will not increase the price after order confirmation.

5. Failed & Expired Payments

Common reasons a payment may fail:

• Insufficient M-Pesa balance: Top up your M-Pesa account and retry.
• Request expired (timeout): You did not enter your PIN within 60 seconds. You may retry immediately.
• Payment cancelled: You actively declined the STK Push. You may retry when ready.
• Incorrect PIN: You entered a wrong M-Pesa PIN. Retry with the correct PIN.

No charges are applied for failed payment attempts. Your order will be held for you while you resolve the issue.

6. M-Pesa Reversals & Anti-Fraud Policy

• Goods remain the property of Veesa Solutions Ltd until payment is fully confirmed and settled (retention of title).
• If you request an M-Pesa reversal after receiving your order, we will pursue recovery through legal channels, including reporting to the Directorate of Criminal Investigations (DCI).
• Accounts associated with fraudulent reversals will be permanently suspended.

7. Refund Processing

Where a refund is approved under our Returns & Refunds Policy:

• M-Pesa Refunds: Sent directly to the phone number used for the original payment within 14 calendar days of approval.
• COD Refunds: Processed via M-Pesa to your verified phone number within 14 calendar days.
• Shipping costs are refundable only if the return is due to our error (wrong item, defective product).

8. Payment Disputes

If you believe a payment was processed incorrectly or you have a billing concern:

1. Contact our team at orders@veesasolutions.co.ke or call +254 700 548 177 with your order number and M-Pesa receipt.
2. We will investigate and respond within 5 business days.
3. If unresolved, you may escalate to Safaricom Customer Care for M-Pesa-related issues, or to the courts of Nairobi as outlined in our Terms & Conditions.