Terms of Service

Last Updated: 1 October 2026

1. Introduction

Welcome to Urban Pocket (“Urban Pocket”, “we”, “us”, or “our”).

These Terms of Service (“Terms”) govern your access to and use of our website, https://urbanpocket.co.za/, and any related digital tipping services, payment features, applications, or platforms operated by Urban Pocket (collectively, the “Platform”).

Urban Pocket is a digital tipping platform designed to make giving simple, receiving safe, and everyday generosity more accessible. Our Platform enables individuals to send cashless tips to service workers and other registered recipients through a convenient, QR-code-based payment experience.

By accessing or using our Platform, creating an account, registering as a recipient, or making a payment, you agree to these Terms.

Please read these Terms carefully before using our services. If you do not agree, you should not use the Platform.

2. Our Services

Urban Pocket provides a digital platform that facilitates cashless tipping between individuals (“Tippers”) and registered tip recipients (“Recipients”).

Our services may include:

• Digital tipping through personalised QR codes and recipient profiles.
• Secure online payment processing through supported payment providers.
• Preset and custom tipping amounts.
• Recipient registration and account management.
• Access to eligible earnings through supported payout and cash-send services.
• Transaction records, payment confirmations, and related customer support.

Urban Pocket acts as a technology platform facilitating digital tipping transactions. Payment processing and withdrawal services may be provided through independent third-party financial service providers.

Features may be introduced, modified, restricted, or discontinued from time to time, subject to applicable law.

3. Eligibility and Account Registration

To use Urban Pocket, you must have the legal capacity to enter into a binding agreement under applicable South African law.

Where legally required, users must be at least 18 years old or have the necessary consent of a parent or legal guardian.

Recipients may be required to create an account and provide accurate information, including their full name, contact details, identification information, and any other details reasonably necessary to operate the service.

By registering, you agree to:

• Provide accurate, complete, and up-to-date information.
• Keep your account credentials confidential.
• Notify Urban Pocket immediately of suspected unauthorised account activity.
• Use the Platform only for lawful purposes.
• Complete any required identity or account verification processes.

Urban Pocket reserves the right to reject, suspend, or restrict registrations where reasonably necessary to prevent fraud, comply with legal obligations, or protect the Platform and its users.

4. Digital Tipping and Payments

Urban Pocket allows Tippers to send voluntary monetary tips to registered Recipients.

To make a tip, users may scan a recipient’s QR code, visit their personalised tipping page, select a preset amount, or enter a custom amount.

Before confirming payment, users should review the recipient’s details, selected tip amount, applicable transaction fees, and total payable amount.

By confirming a transaction, you authorise the relevant payment provider to process the displayed payment amount.

All payments are subject to successful authorisation, payment-provider availability, fraud screening, and applicable transaction limits.

A tip is considered successfully paid only when the relevant transaction has been confirmed through the applicable payment system.

Urban Pocket does not guarantee uninterrupted payment processing or instant settlement in every circumstance.

5. Transaction Fees

Urban Pocket operates a tipping model designed to ensure that Recipients receive the full intended value of their tips.

A small transaction or service fee may be charged to the Tipper to cover the cost of processing and facilitating the payment.

Where applicable:

• The selected tip amount and transaction fee will be displayed before payment confirmation.
• The Tipper is responsible for the total amount authorised at checkout.
• The intended Recipient receives 100% of the successfully settled tip amount, subject to legitimate payment reversals, corrections, and applicable law.
• Urban Pocket will not knowingly impose undisclosed transaction charges.

Fees may vary depending on the payment method, transaction value, or service provider.

Any changes to applicable fees will be reflected in the payment information presented to the user before a transaction is confirmed.

6. Recipient Earnings and Withdrawals

Registered Recipients may access their accumulated earnings through withdrawal methods supported by Urban Pocket and its payment partners.

Available withdrawal options may include cash-send services or other supported payout mechanisms.

Withdrawal access is subject to account verification, available funds, payment-provider requirements, transaction limits, and applicable security controls.

Although Urban Pocket aims to provide convenient daily access to eligible earnings, actual payout processing and availability may be affected by banking networks, service-provider operating conditions, public holidays, security reviews, or technical interruptions.

Recipients are responsible for ensuring that their registration and withdrawal information is accurate.

Urban Pocket is not responsible for delays or failed withdrawals caused by incorrect information supplied by users, except to the extent that applicable law provides otherwise.

7. Refunds, Cancellations, and Payment Disputes

Tips made through Urban Pocket are voluntary payments intended for the selected Recipient.

Because digital tips may be processed