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Financial Risk Disclosure

Currency Exchange Risk

International money transfers involve currency conversion. Exchange rates may change between the time a transfer is initiated and when it is processed.

91 Payments displays applicable exchange rates before a transaction is confirmed.

Processing Time Risk

Transfer times may vary depending on factors such as:

  • Destination country
  • Banking partner processing
  • Compliance reviews
  • Public holidays or banking schedules

While we aim to process transfers promptly, delays may occasionally occur.

Third-Party Provider Risk

Money transfers may rely on third-party service providers including:

  • Banks
  • Payment processors
  • Mobile money operators
  • Cash payout partners

91 Payments is not responsible for delays caused by third-party institutions.

User Responsibility

Customers must ensure that:

  • Recipient information is correct
  • Bank details are accurate
  • Transfer amounts are confirmed before submission

Incorrect information may result in delays or loss of funds.

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© 2026 91 Payments. All rights reserved.

91 Payments provides international money transfer services through regulated financial partners and subject to regulatory compliance requirements. Registered with the Central Bank of Nigeria (CBN), FinCEN (USA), and FINTRAC (Canada).