The short version.

Who you’re dealing with

ASAP is operated by ZELABS LTD, company registration no. 9447785, registered in Nigeria. You can reach us at support@useasap.xyz.

What we do

You tell us what you need in a WhatsApp message. We buy airtime and data, pay electricity bills, and renew DStv, GOtv, Startimes and Showmax on your behalf. We are not the network, the disco or the TV provider: we buy from licensed suppliers and pass the purchase to you.

Your messages are read by an AI model, which works out what you are asking for. It never sets a price and never authorises a payment. Those are fixed by our systems and shown to you before anything is charged.

Your credits

Money you add becomes credits, counted in naira, and errands are paid for out of them. Credits buy the things listed above. They are not a bank account, not a savings product, they earn no interest, and they cannot be converted back into cash.

So add what you expect to spend. If you are not sure, add a small amount: there is no advantage to topping up more than you need, and no minimum you have to keep.

Credits do not expire. There is no monthly fee, no dormancy charge and no deadline, so unspent credits stay yours to spend whenever you come back, however long that is.

You can also add credits by sending USDC. What arrives is converted to naira at the rate at that moment, and we record the rate we used. Credits are always counted in naira, because everything we buy is priced and settled in naira.

Nothing is charged until you say so

We show you what it costs, including any fee, and take nothing until you confirm in your own words. A quote costs you nothing, and if you do not reply it expires.

Check the details before confirming. We show the meter holder’s name before an electricity payment and the last digits of the phone number before a top-up, because a purchase sent to the wrong meter or number cannot be recovered from the supplier or from us.

Limits

Every account has a cap on how much you can add in one transfer, how much credit you can hold, and how much you can spend in a day. New accounts start at the lowest tier, which needs only a verified email address: up to ₦50,000 in one top-up, ₦150,000 of credits held, and ₦50,000 a day.

These limits apply to credits. Where a service takes its own payment rather than being paid from your credit balance, that payment is between you and them and is not capped by us.

Higher limits need identity details, and each is asked for only when it buys you something. Giving us your BVN raises your limits to ₦200,000 in one top-up, ₦500,000 held and ₦200,000 a day, and gets you a permanent account number you can save in your bank app. We pass it to our banking partner to open that account and do not keep it. We do not collect identity documents we have no use for.

If a transfer would take you past your limit we hold it rather than crediting it, tell you straight away, and either credit it once your limit is raised or send it back. We do not keep money we cannot credit.

Fees

Most errands carry no fee. Where one applies it is shown in the breakdown before you confirm, so you never pay a charge you were not shown first. A fee is charged only on a purchase that succeeds, and if an errand fails you get it back along with the amount.

When something goes wrong

If a purchase fails we return the full amount, and any fee, to your credits. If a supplier reverses a purchase after telling us it succeeded, we return the money and tell you, even though we had already said it went through.

Where we cannot establish whether a purchase completed, we stop and have a person look at it rather than guessing. That takes longer than an automatic refund, and it is deliberate: guessing wrong means either charging you for something you did receive, or paying twice for something you did not.

Prepaid electricity tokens

A prepaid electricity purchase produces a token you type into your meter. We show it in the chat, email you a copy, and keep it in your history. A token cannot be reissued once it has been used, so keep it until you have loaded it.

When we will refund anyway

Credits are not withdrawable, and there are cases where that would be unfair, so it does not apply to them:

If we close your account and you have not broken these terms, we return what is left. If we stop offering the service, we return what is left. If credits were added by mistake, or you were charged for something you did not ask for, tell us and we will put it right.

What we will not do is act as a way to move money: adding credits and asking for cash back is not something we support, and it is most of the reason credits work this way.

What we ask of you

Use details that are actually yours, and check them before confirming. Don’t use ASAP to move money that isn’t yours, to buy for someone you are hiding, or for anything illegal. We may hold, refuse or reverse a transaction and close an account where we reasonably suspect fraud or money laundering, and we may be required to report it.

What we can’t promise

The service is provided as it is. Networks, discos and TV providers go down, and when they do we cannot complete an errand however correctly we ask. We are responsible for returning your credits when that happens. We are not liable for what the delay costs you.

We handle your details as described in the privacy policy.

Closing your account

You can stop using ASAP whenever you like. Your credits do not expire, so if you come back later they are still there. If we close your account, the section above applies.

Brand and content

The ASAP name, mark and the contents of this site belong to ZELABS LTD. Don’t reuse them to represent yourself as us or as connected to us.

Changes

If these change, the date at the top changes with them, and we will ask you to accept again anything that materially changes what you’re agreeing to. Nigerian law applies.