Payment on Delivery (POD) Policy

Last updated: February 1, 2026

1. Overview

Payment on Delivery (POD) is a service designed for business owners who want to deliver their products and receive payment upon delivery. This policy outlines the terms, conditions, and commission structure for using POD services on the Kilo platform.

By enabling POD for a delivery, senders agree to the terms outlined in this policy. Receivers must complete POD payment before the delivery OTP code is sent via SMS.

2. Commission Structure

Competitive Pricing: To remain competitive and support small businesses, Kilo applies commission only on POD amounts above ₦5,000.

  • POD Amount ≤ ₦5,000: No commission charged. Sender receives 100% of the POD amount.
  • POD Amount > ₦5,000: Commission of 5% applies only to the amount above ₦5,000. For example:
    • POD Amount: ₦8,000
    • Commissionable Amount: ₦8,000 - ₦5,000 = ₦3,000
    • Commission (5%): ₦150
    • Sender Receives: ₦7,850

Important: Commission rates and thresholds may be updated. Senders will be notified of any changes before they take effect.

3. Payment Process

Receiver Payment: Receivers must complete POD payment through our secure payment gateway (Paystack) before the delivery OTP code is sent. Payment can be made via the tracking link shared by the sender.

Payment Timing: POD payment can only be made after the package has been picked up by the rider. Receivers will see the payment button on the tracking page once the delivery status reaches "Picked Up".

OTP Delivery: Once payment is confirmed, the delivery OTP code is automatically sent via SMS to the receiver's phone number. The receiver must provide this code to the rider to complete delivery verification. Senders are responsible for ensuring the receiver's phone number is accurate and active.

4. Sender Wallet Funding

Automatic Funding: Once POD payment is confirmed, the sender's wallet is automatically credited with the full POD amount. A separate transaction record is then created to deduct the applicable commission fee. This ensures transparency - senders see the full payment received, followed by the commission deduction.

Processing Time: Wallet funding typically occurs immediately after delivery completion. In rare cases, processing may take up to 24 hours.

Withdrawal: Senders can withdraw POD earnings from their wallet after delivery completion, subject to our standard withdrawal terms and verification requirements.

5. Disputes and Refunds

Dispute Resolution: Disputes regarding delivery completion are between the rider and sender, and involve delivery fees only. POD payments represent a business transaction between the sender and receiver, and are separate from delivery disputes. Receivers are not our customers, and we do not process refunds to receivers. Any POD-related disputes or refunds must be resolved directly between the sender and receiver.

Failed Deliveries: If delivery fails due to rider error or platform issues, the delivery fee dispute is handled between the rider and sender. POD payments are independent business transactions and are not affected by delivery disputes.

6. Sender Responsibilities

  • Senders must accurately set the POD amount when creating a delivery. Changes to POD amount are not permitted after a rider accepts the delivery.
  • Senders are responsible for ensuring the POD amount matches the actual value of the package being delivered.
  • Senders acknowledge that commission will be deducted from POD payments according to the structure outlined in Section 2.
  • Senders must ensure receivers are aware of POD requirements and payment process.
  • Senders are responsible for ensuring the receiver's phone number is accurate and active. If the OTP cannot be delivered due to an incorrect phone number, the sender is liable for any resulting issues.

7. Receiver Responsibilities

  • Receivers must complete POD payment before the delivery OTP code is revealed.
  • Receivers are responsible for ensuring they have sufficient funds or payment method available to complete POD payment.
  • Receivers must provide the OTP code to the rider once payment is completed and OTP is revealed.
  • Receivers acknowledge that payment is non-refundable once delivery is completed, except in cases of disputes as outlined in Section 5.

8. Platform Responsibilities

  • Kilo provides secure payment processing through our payment gateway partners.
  • We ensure timely wallet funding to senders after successful delivery completion.
  • We maintain transparent commission structures and notify users of any changes.
  • We provide customer support for payment-related issues and disputes.

9. Limitation of Liability

Kilo is not liable for payment processing delays, payment gateway failures, or issues arising from incorrect POD amounts set by senders. We are not responsible for disputes between senders and receivers regarding package value or POD amounts.

Commission fees are final once delivery is completed. Senders acknowledge that commission is calculated and deducted according to the structure outlined in this policy.

10. Policy Updates

Kilo reserves the right to update this POD policy at any time. Users will be notified of significant changes via email or in-app notifications. Continued use of POD services after policy updates constitutes acceptance of the new terms.

Commission rates and thresholds may be adjusted to remain competitive. Any changes will be communicated to users in advance.

11. Contact and Support

For questions about POD payments, commission structure, or wallet funding, please contact our support team through the app or visit our support page.

By using POD services, you acknowledge that you have read, understood, and agree to be bound by this POD Policy and our Terms of Service.