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Terms & Conditions

Order now, Pay later

These terms apply between Sevi Innovation Ltd. including its foreign subsidiaries and branches (“Sevi”, “we” or “us”) and the person or legal entity or institution ("you") who makes a purchase. If you choose the Sevi payment option (“Order now, Pay later”) you agree to these terms (“Terms”). You can at any time access these terms via our website.

This is a payment option you can choose to part pay your purchases on credit by dividing the cost into multiple payments.

How do I Order now, Pay later?

Create a Sevi account by downloading the Sevi app and filling out your personal data for verification purposes. Once a personal account is created you can create a company account. Top-up your Sevi account from your mobile money or bank account.

By paying the first payment (“deposit”) either from your Sevi account or from M-Pesa implies you agree to these Terms. The remaining payments can be debited from your Sevi account on the due date of each instalment, or you can pay an instalment directly through the payment link. We will send you this payment link and tell you the due dates via electronic communication (e.g. SMS/push notification) and they are viewable in the Sevi application.

Deposit is defined as the sum of money that you as a Buyer pay at the start of the purchase. The deposit represents a portion of the total purchase price. In the Sevi app this deposit is defined as the "Pay now" amount. Credit is defined as the sum of money that you as the Buyer pay at a later time then the purchase time, to finance the remainder of the purchase prize. In the Sevi app this is defined as the "Pay later" amount. This Pay later amount is lower or equal to the Credit Limit which is set at the sole discretion of Sevi.

You give us the authority to take the remaining instalment payments from your Sevi account on and after the due dates. When you switch on the function to sweep any wallet top-up to any open credit, you give us the authority to take the remaining instalment payments from your Sevi account also before the due dates.

In the event the Seller or Sellers do not charge you for your entire order at the same time, we will create a different Order now, Pay later plan for each order part. This situation may be common where a Seller does not ship all the items from your order at the same time.

You will maintain an adequate credit balance on your Sevi account to allow for payments to be taken on the due dates, if you choose not to use the provided payment link. It is important you ensure enough funds are available to complete your payment on the due date.

What do I agree to?

You must be over 18 years old.

You are authorised to make a purchase on credit on behalf of the entity you represent.

Your ID card needs to be valid and will be verified to prevent ID fraud.

Your phone number needs to be valid and will be verified by a one-time password (“OTP”) you receive per SMS.

It is at our discretion whether we offer you Order now, Pay later. We may limit the types of Top-up options we accept at our discretion.

We may carry out a limited credit search on you at a credit reference bureau.

The number of instalments, fees and amount per instalment will be clearly communicated before entering into any payment option and can be reviewed in the Sevi app at any time. The period starts on confirmation by the you and/or the Seller of delivery and ends on the due date of the final instalment (“Period”).

When you confirm to agree with these Terms, the first payment (“Deposit”) is taken from your Sevi account. If we, for any reason, are unable to charge the deposit from your Sevi account, the merchant will not hand over the product to you.

You authorize us to store your ID and phone number details on our systems. We will use this information to authorize future payments under these Terms. You may manage your profile and details through the Sevi app, data that has already been verified cannot be altered unless the new data is verified again by Sevi.

If you and the Seller cancel your purchase, we will cancel any remaining payments and pay back to your Sevi account any amounts we have taken and are paid to us by the Seller. Any part returns or refunds credited to your purchase and paid to us by the Seller will reduce your outstanding balance, but do not count as payments.

You will need to continue to make your previously disclosed payments at scheduled due dates until your balance is paid in full.

You are responsible for being able to receive SMS messages send by Sevi through our SMS service provider Africa’s Talking or any replacement service provider that will be communicated to our customers. Missed messages can never be an excuse for paying late.

Right to repay early

You are entitled, to pay any instalment earlier then the due date. In the Sevi app you go to you Instalment overview and per instalment you can click “Pay”. Clicking this button pays that specific instalment, provided the balance in your Sevi account is enough, if not you are asked to first top-up your Sevi account. You may also choose to switch on the option to automatically sweep any wallet top-up to any open credit even before due date.

Consequences of default and missed payments

If we are not able to take an instalment from your Sevi account on the due date we might provide you a courtesy slack period of 24 hours, so that you can top-up your Sevi account. After 3 days, you will be charged a late fee of 2% per day, up to a cumulative 6% by day 6. Paying late might also influence future decisions regarding future payment products that will be made available to you. 

You will be notified in good time via electronic communication to your verified phone number, about the payment failure so you’ll have enough time to make sure that you have sufficient funds in your Sevi account. 

If you fail to make a payment and have a Late status, you may be unable to use the service in the future. We continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. You can pay any defaulted instalment at any time during the Period.

If you fail to pay any or all instalments for over 21 days, your account will get a Default status and a default fee of 10% is added to the total credit amount. When you are in default Sevi will engage internal debt collector, external debt collection agency or auctioneers to collect the outstanding amount. The cost for collection will be charged to you.

Title to the purchase using the Order now, Pay later option shall pass to you only upon payment in full of all instalments, including any additional fees and interest charged by us. We may ask for additional security.

If you fail to pay, the Seller, Sevi debt collector, debt collection agency and our auctioneer are able to retrieve the purchase you made Therefore, use the purchase properly and do not modify or alter them. You shall not remove or alter identification or registration numbers on the purchase. You are responsible for loss of, or damage to the purchase. In such case you need to notify us. You are responsible for insurance of the purchase, insurance is applicable to items purchased above a certain amount and this option will be presented as a checkbox prior to agreeing to these Terms.

Please note that Sevi will notify you prior to; any withdrawals being made from your Sevi account; if a payment fails; if an instalment amount is in default; and if the debt is handed over to an external debt collection agency and auctioneer.

Missing payments can have serious consequences for you. Your Sevi score will be affected which will make it more difficult or more expensive for you to obtain credit in the future. Legal action may be taken against you to recover the debt, an application may be made to have you declared bankrupt, and it is possible that a charging order and order for sale of your property may be obtained as a means of enforcing any judgment.

Sevi points

Using the Sevi Service and performing certain tasks earns you Sevi points. Misusing the Sevi Service and/or paying late costs you Sevi points. To get access to certain privileges and services, you need a minimum amount of Sevi points. Sevi at its sole discretion might change the calculation of Sevi points from time to time.


Before we enter into this agreement with you, we may require your obligations under it to be guaranteed by a third party acceptable to us, in which event we shall invite you to suggest someone suitable.

Our use of your personal data

Sevi processes your personal data in order to carry out our obligations in these Terms and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and by using Sevi’s services you confirm that you have read this Notice.

We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus). In the Privacy Notice there is more information about our data sharing, your rights with regards to your data, or how you may contact us with questions.

We may search your records at credit reference agencies. They will add to their record details of our search which will be seen by other organisations making searches. Details about you and your payment record under these Terms will be used to help make credit, credit related and insurance related decisions about you and members of your household and occasionally for fraud prevention or to trace debtors. You can contact us for details of the credit reference agencies used by us.

You have a legal right to your personal data and can receive a copy of the information held about you on payment of a fee. Information held about you by credit reference agencies may be linked to records relating to any person with whom you are linked financially and other members of your household or your businesses.

We may give information about you and your payment record under this agreement to credit reference agencies, debt collecting agents and any proposed assignee of these Terms. We may use a credit scoring or other automated decision-making system. We may monitor and record telephone calls for the purpose of security and training.

Our right to refuse transactions and suspend your Sevi account

We may refuse to authorize a purchase using Order now, Pay later or suspend your right to make purchases with your Sevi account for any of the following reasons:

  1. Your purchasing behaviour seems unusual compared with the way you normally use your Sevi account;
  2. We suspect that unauthorized or fraudulent use is being made of your Sevi account;
  3. There is any legal or technical restriction which prevents us from lawfully providing you with Order now, Pay later at the time when you attempt to make a purchase using your Sevi account;
  4. You fail to make any payment which falls due to us;
  5. We believe that there is a significantly increased risk that you may not be able to fulfil your duty to pay the instalments (this includes situations such as you going bankrupt or having similar proceedings taken against you);
  6. We reasonably believe the transaction would damage our reputation;
  7. You have not used your Sevi account to make new purchases for at least six months;
  8. There is any other objectively justifiable reason.

If we decide to refuse a transaction or suspend your right to use your Sevi account, we will give you notice by electronic communication (e.g. SMS/push notification) as soon as practicable.

When you agree with these Terms you give consent to us sending electronic communications to the e-mail address or telephone number you have provided, you agree that we may send monthly statements, notices and other communications under or in relation to these Order now, Pay later and these Terms via the Sevi app to your Sevi account or via text message to this mobile phone number.

You must promptly inform us of any changes to your name, address, email or telephone number. You must provide any evidence of such changes that we may reasonably require.

All communication between you and us in relation to these Terms shall be in English.


You may not transfer or assign any rights or obligations you have under these Terms without our prior written consent. We have the right to transfer or assign these terms or any right or obligation under these Terms at any time without your consent, provided that such transfer does not alter your rights and obligations under these Terms to your detriment.

How Sevi will resolve disputes and complaints

If a dispute arises between you and Sevi, our goal is to provide you with a neutral and cost-effective means of resolving the dispute quickly. In the event of a dispute or complaint, we encourage you first to contact Sevi at to try resolving your problem directly with our team.

Any dispute or claim relating in any way to your use of the Sevi Services, or otherwise arising out of or relating to these Terms or the Services that cannot be resolved directly between you and Sevi shall be resolved as per the provisions below which shall be the exclusive mechanism for resolving any dispute that may arise from time to time and are express condition(s) precedent to litigation of the dispute. This includes any claims based in contract, statute, tort, fraud, misrepresentation or any other cause of action.

Negotiations: A party shall send a written notice to the other party of any dispute (“Dispute Notice”) by negotiating and consultation between themselves, including not fewer than 2 negotiation sessions. If the dispute cannot be resolved within 21 days from the date of the dispute notice, either party may initiate mediation within 14 days.

Mediation: The parties shall seek an amicable settlement of the dispute (s) by mediation, which shall take place according to the Nairobi Centre for International Arbitration – Mediation Rules as at present in force.

Litigation as a final resort: If the parties cannot resolve any dispute for any reason following negotiations and mediation, either party may file suit in a court of competent jurisdiction.


Sevi reserves the right to amend these terms and conditions from time to time. Any such amendments shall be notified to you through your contact details provided on the Sevi mobile application. By using the Sevi services, you agree to these terms and conditions subject to any future amendments to them. Any continued use of the Sevi Services after an amendment to these terms and conditions shall be considered as you giving consent to be bound by those terms and conditions.


Sevi is licensed and regulated by Central Bank of Kenya. Sevi Innovation Ltd is incorporated under Kenyan law and is registered with the Kenya Business Registrar. Its registration number is PVT-AJUVZRA. For further information about Sevi, go to:

Edited in Kenya on 3rd of November 2023.