Last updated: 6 September 2026
1. What a deposit is for
Your PHAME wallet exists for one purpose: to pay the per-trip service fee you owe PHAME for each completed trip or delivery. A deposit is a prepayment for that service. It is not savings, not a bank account, and not electronic money you can send to anyone.
2. Deposits are non-refundable
Once a deposit is successfully credited to your wallet it is non-refundable and non-withdrawable as cash. It stays in your wallet and is used against your service fees, including any negative balance you already carry. This applies whether you stop riding, go inactive, or your account is closed. Please deposit only what you intend to use on service fees.
3. Failed, duplicate and wrong-amount payments
Where our payment partner charges you but the wallet is not credited, or the same payment is charged twice, that is a payment error and not a refund request. Report it through Support within 14 days with the payment reference. Verified duplicate or uncredited payments are corrected by crediting your wallet, or returned by the payment partner where it charged you in error.
4. Service fees already charged
A service fee charged on a completed trip is final. If a trip was recorded in error — for example a duplicate trip or a trip you never carried out — report it within 7 days and, if confirmed, we reverse the fee as a wallet credit.
5. Account closure
If you close your account or we remove you from the platform, any remaining wallet balance is forfeited and any negative balance remains payable. We will always send you a final statement of your wallet activity on request.
6. Chargebacks
Raising a chargeback on a deposit that was correctly credited and used for service fees is a breach of the Rider Terms and may lead to suspension and recovery of the amount.
7. Your statutory rights
Nothing here removes rights you have under Ghanaian law, including the Electronic Transactions Act, 2008 (Act 772) and, where applicable, the Payment Systems and Services Act, 2019 (Act 987). This policy is governed by the laws of Ghana.
8. Contact
Wallet or deposit questions: use Support in the app. We acknowledge claims within 2 working days.