PayTap does NOT process payments, hold funds, or move money.
All financial transactions happen directly between users and their Mobile Money or bank providers. PayTap only verifies the identity attached to a payment number so senders reach the right person.
1. What data we collect
- Account information: full name, email address, password (hashed).
- Payment identity: Mobile Money phone number and network (MTN / Orange).
- Optional bank details: bank name, account holder name, account number, IBAN, SWIFT/BIC.
- Verification documents: government-issued ID uploaded during identity verification.
- Device & security data: browser/device fingerprint, IP address, login timestamps, approximate location.
- Activity data: PayTag copies, payment link visits, notifications, audit events.
2. How we use your data
- Display your verified payment identity to people you share your PayTap link with.
- Prevent wrong-number Mobile Money transfers.
- Detect and prevent fraud, impersonation, and abuse.
- Secure your account (new-device alerts, rate limiting, suspicious-activity detection).
- Send transactional and security emails.
- Comply with legal obligations under Cameroonian and CEMAC law.
3. Data retention
We retain account and verification data for as long as your account is active and up to 10 years after account closure, in line with CEMAC and Cameroonian record-keeping requirements for identity-verification and financial-adjacent services. Audit logs (admin actions, security events) are retained for compliance and fraud investigation for the same period. You may request earlier deletion where the law permits.
4. Data sharing
- To payers on your link: your verified name and PayTap-verified status are shown so they can confirm they're paying the right person. Your phone number, bank number, and IBAN are only revealed when a visitor explicitly taps to reveal or copy them.
- Service providers: hosting, email delivery, and analytics vendors bound by contractual confidentiality.
- Legal: where required by a valid legal request from Cameroonian or CEMAC authorities.
- We never sell your data to third parties.
5. Your rights
You may request:
- A copy of the data we hold on you.
- Correction of inaccurate data.
- Deletion of your account and associated data (subject to retention obligations above).
- Restriction or objection to certain processing.
Send requests to support@mypaytap.app. We respond within 30 days.
6. Security measures
- Phone and bank numbers are masked by default and only revealed on explicit user action.
- Rate limiting on reveal, copy, and authentication endpoints.
- New-device login alerts sent by email.
- Manual identity verification on flagged (business / celebrity / duplicate) names.
- Row-level access control and encrypted data-at-rest via our infrastructure provider.
7. Contact
Email: support@mypaytap.app
WhatsApp: +237 671 958 536
This document is a plain-language summary of our privacy practices. It is not legal advice. See our Terms of Service.