Mvic Money

Terms of use

*The French version of these terms prevails in case of discrepancy.*
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Last updated : 22 September 2026

1. Purpose and publisher

These terms govern the use of the Mvic Money service, published by Mvic (RCCM RC/DLN/2023/A/2308, NIU P078416650099E, Bonamoussadi, Douala, Cameroon), whose full details appear in the legal notice. Payments are processed by CamPay, the payment service of TAKWID GROUP, under contract with Mvic. Mvic Money lets you initiate money transfers between Mobile Money accounts in Cameroon, in particular between MTN Mobile Money and Orange Money. By using the service, you accept these terms.

2. Access to the service

The service is available in a browser, with or without an account. To use it, you must:

  • be of legal age, or have the permission of a parent or guardian;
  • use a Mobile Money number that you hold or are authorised to use;
  • have the necessary funds on your account for the transfer, fees included.

Creating an account (email and password, or Google sign-in) is optional. It gives access to your transfer history and favourites. You are responsible for keeping your credentials confidential.

3. How a transfer works

  1. You enter the amount, your number and the recipient's number.
  2. When available, the name of the recipient's account holder is displayed. It is your responsibility to check it.
  3. A summary shows the amount, fees and total to pay. No money is taken without your approval.
  4. You approve the payment on your phone with your PIN, directly with your operator.
  5. Once the payment is received, the amount is sent to the recipient.

The recipient receives exactly the amount entered.

4. Fees

Service fees are shown before each confirmation. By approving the payment, you accept the total displayed. No fee is added after confirmation. Any fees charged by your operator for other operations (for example a cash withdrawal) are not Mvic Money's.

5. Amount limits

Minimum and maximum amounts apply per transfer; they are indicated when you enter the amount. Transfers are carried out within the limits set by the BEAC, MTN Mobile Money and Orange Money, and the limits of your own account.

6. Failures and refunds

  • If the payment is not approved on your phone, no money is taken.
  • If you were charged and the transfer to the recipient cannot be completed despite automatic retries, you get a full refund, amount and fees included, within 24 hours, to the number that paid.

Details are in the refund policy.

7. Input errors

You are responsible for the accuracy of the numbers you enter. A transfer delivered to the number entered is considered completed and cannot be cancelled by Mvic Money. If you make a mistake, contact us quickly: we will tell you what can be done.

8. Notifications

By entering your phone number for a transfer, you agree to receive WhatsApp messages from Mvic Money about the status of your transfers (success, failure, refund), sent to the sender and, where relevant, the recipient. If you create an account, you also receive emails related to your account. You can stop WhatsApp messages at any time by replying STOP.

9. Prohibited use

You must not use Mvic Money:

  • with a Mobile Money number you do not hold, without its holder's permission;
  • for fraud, money laundering or financing illegal activities;
  • to buy or sell cryptocurrencies, or for currency exchange;
  • to disrupt the service.

9a. Anti-money laundering and fraud prevention

Mvic applies Regulation No. 01/16/CEMAC/UMAC/CM of 11 April 2016 on the prevention and suppression of money laundering and terrorist financing in Central Africa, as well as its payment provider's compliance framework. In case of an unusual or suspicious operation, or one that breaches these terms, Mvic may:

  • ask for additional information about the operation;
  • refuse or suspend a transfer;
  • block a number or suspend an account;
  • hold the funds concerned during checks, and report the operation to the competent authorities, with whom Mvic cooperates.

Funds resulting from proven fraud are not refunded.

10. Availability and liability

We do our best to keep the service available. It may however be interrupted, in particular if the MTN or Orange networks or the payment provider are unavailable, or during maintenance. Mvic is not liable for payment refusals decided by operators, or for users' input errors.

11. Personal data

How your data is processed is described in the privacy policy.

12. Claims

Any claim must be sent within 30 days of the transfer date, on WhatsApp to +237 6 93 23 74 53 or to mvicmoney@rnexx.tech, with the transfer's MVC reference. We reply within 24 hours.

13. Changes to these terms

These terms may change. The version in force is the one published on this page, with its update date.

14. Governing law

These terms are governed by Cameroonian law. Failing an amicable settlement, any dispute falls under the competent courts of Douala.