Effective May 2026. This policy meets the Lipa na M-Pesa Online (Daraja) merchant requirements set by Safaricom PLC.
1. Project deposits
When you pay a 50% deposit for a Starter, Growth, or Scale package, the following applies:
- Within 48 hours of payment and before the Discover call: full refund, no questions asked.
- After the Discover call and before the Design phase is signed off: we refund the deposit less a 10% scoping fee that covers the time invested in your project.
- After the Design phase is signed off: the deposit becomes non-refundable because we have committed engineering time to your build slot. If we fail to deliver to the agreed scope, you are entitled to a full refund.
2. Stack subscription
Stack is billed monthly in advance via M-Pesa standing order. You may cancel any time, effective at the end of the current month. The current month is not refunded. Transaction fees on paid orders are non-refundable once a transaction has been settled by Safaricom.
3. How to request a refund
Email hello@angaze.co with:
- Your M-Pesa receipt number
- The phone number used to pay
- A short reason for the refund
We confirm receipt within one working day and process eligible refunds within 7 working days back to the originating M-Pesa number. We do not refund to a different number or to a bank account.
4. Failed or disputed M-Pesa transactions
If your phone shows a successful M-Pesa transaction but our system did not register the order, contact us immediately at hello@angaze.co with the M-Pesa SMS receipt. We reconcile within one working day.
5. Chargebacks
Because M-Pesa STK push requires you to enter your own PIN, every transaction is treated as authorised by you. Disputed transactions are resolved through Safaricom's standard reversal process.
6. Contact
Angazé Systems Group Limited
124 Manyani East Rd, Nairobi, Kenya
hello@angaze.co