How can we help?

Applying for the Payz Business Account is quick, easy and free of charge. All you need to do is to complete our online registration form. Once complete you will have access to our Business Account products.

1. Log in to your Payz Business Account.
2. Go to “My Account” and click “Add Expense Account” button.
3. Provide your expense account information. All fields are mandatory.
4. Enter account name. There are no requirements for this field. The account name is solely for your own reference.
5. Select the desired currency that you would like your account to be in from the drop-down menu.
6. Check provided information and click “Save”.

1. Log in to your Payz Business Account.
2. Select “Member Accounts” in the menu.
3. Provide information for the Member Account. Member accounts are used to register individuals that you would like to make payments to employees individual accounts and/or commissions to.

You can add a single member or multiple members at a time.

To add a single member, go to “Add single member” tab. All fields marked as “Required” are mandatory.

1. Enter the email address. Type in a valid email address that we can contact the individual on. The client will be required to activate his/her account via email, just like any other, independently registered Payz customer.
2. Select the desired currency for the linked account from the drop-down menu. Take note that this doesn’t limit the user to having a single currency account. Every customer has the possibility of creating multi currency accounts.
3. Enter the individual’s first name, last name and date of birth.
4. Enter full home address.
5. Enter mobile phone number.
6. Select a preferred contact language. We will aim to contact all customers in the language of their choice whenever possible.
7. Check provided information and click “Create”.

Once a “Member Account” is created it is set to “Waiting Activation” status. As soon as the customer activates the account it will be transferred to the “Active” status.

1. Log in to your Payz Business Account.
2. Select “Member Accounts” in the menu.
3. Click on “Link Existing Account” tab.
4. Enter the client’s full name and the Payz account number and then click “Send invite”.
5. The Payz account holder will receive the invitation email.
6. Once the Payz account holder accepts the invitation, the client’s Payz account will be linked to your Payz Business Account.

*You can check the status of the invited account in the “Manage Member Accounts” tab.

1. Log in to your Payz Business Account.
2. Select “Manage Member Accounts” in the menu.
3. Go to “Manage Member Accounts” tab.
4. Click on “Unlink” button next to the Member Account that you wish to unlink.
5. The Payz account will be unlinked from your Payz Business Account.

The Master Account is the main account that you can use to receive deposits, transfer funds, withdraw funds or allocate the Payz Business Mastercard for expense purposes. Your Master Account can also be used to distribute funds between your expense accounts.

Expense Accounts are designed to separate the funds used for commissions and payments to employees individual accounts and the funds that are used for the corporate expenses. The Business Account holder has an option to open up to 10 expense accounts and link the Payz Business Mastercard to each of them.

Member Accounts are designed to simplify the way how the payments to the affiliates or the employees are handled. With the Member Accounts the Payz Business Account holder has all the necessary account information at one place saving the time spent on performing such daily activities as paying salaries or commissions.

1. Log in to your Payz Business Account.
2. Select “Deposits” in the menu.
3. Select the account number to fund.
4. Select a funding option:

“International bank transfer”

1. Select the “International bank transfer” option.
2. Get in touch with your account manager or businesssupport@payz.com to receive the up-to-date banking details for topping up your business account.

Local bank transfer (depending on the option)

1. Select the “Local deposit options”.
2. Select the option.
3. Enter the amount and click “Confirm”.
4. Check the transfer details and click “Confirm”.
5. Depending on which option you selected, you may need to select your bank.
6. Follow the banking instructions provided on the screen.
7. Log in to your online banking and finalise the transaction.

1. Log in to your Payz Business Account.
2. Select “Internal transfers” in the menu, select sender account from the drop-down menu and choose “Between accounts”.
3. Enter the amount of funds you wish to transfer, taking into account that it should not exceed the amount of available funds. Select the beneficiary account and select “Continue”.
4. Validate details. If the amount or beneficiary account number is incorrect, select the “Back” link to amend the detail(s).
5. Click “Confirm”

The transaction will be instantly processed and you will be presented with a confirmation result page.

1. Log in to your Payz Business Account.
2. Select “Internal transfers” in the menu and go to “Member” tab.
3. Enter transfer details. Select sender account from the drop-down menu; enter the amount of funds you wish to transfer, taking into account that it should not exceed the amount of available funds. Choose the beneficiary account number, select purpose of payment from the drop-down list and write a short message (optional). Select “Continue”.
4. Validate details. If the amount or beneficiary account number is incorrect, select the “Back” link to amend the detail(s).
5. Click “Confirm”. The transaction will be instantly processed and you will be presented with a confirmation result page.

1. Log in to your Payz Business Account.
2. Select “Internal transfers” in the menu, choose sender account from the drop-down menu and go to “Business” tab.
3. Enter the amount of funds you wish to transfer, taking into account that it should not exceed the amount of available funds. Enter the beneficiary account number, the beneficiary business account name, specify purpose of payment and write a short message (optional). Select “Continue”.
4. Validate details. If the amount or beneficiary account number is incorrect, select the “Back” link to amend the detail(s).
5. Click “Confirm”. The transaction will be instantly processed and you will be presented with a confirmation result page.

Your Payz Business Account allows you to receive third party transfers using international bank transfer. You just need to provide your partners/users with the banking details and the account details. To do this:

1. Log in to your Payz Business Account.
2. Select “Deposits” in the main menu.
3. Select the account number to fund.
4. Select a funding option.
5. Deposit by international bank transfer. Select the “International bank transfer” option. Get in touch with your account manager or businesssupport@payz.com to receive the up-to-date banking details for topping up your business account.

Batch transfers can be made from the Master Account to Member Accounts and Expense Accounts, and from Expense Accounts to Member Accounts.

1. Log in to your Payz Business Account.
2. Fill in the batch file. The batch file is a simple CSV file that holds the information necessary for completing a transfer.
3. Select “Batch Transfers” tab under “Internal Transfers” or under “Bank transfers” menu.
4. Choose the batch file. Click on “Browse your documents for batch transfers CSV files”, find the necessary batch file on your computer and choose it.
5. Click “Continue”. The system will process your batch file.

1. 1. Log in to your Payz Business Account.
   2. Select “Bank transfers” in the menu. Bank transfers can be performed by wire transfer only.
   3. Choose whether you want to transfer funds to your own corporate bank account or to a third party bank account.
   4. Enter and verify details of the wire transfer. Select the account to transfer funds from, using the corresponding drop-down menu. Then enter the amount you wish to transfer (minimum 100.00 EUR). Note there is a flat fee of 10.00 EUR.
   5. Select transfer type: SEPA or International transfer

Before submitting a new request a payment option (i.e. bank account details) should be added. There is no need to add a payment option if it has already been added. To learn more about payment option registration, please review the following section.

1. 1. Once a payment option has been selected, the bank account details are displayed. Click “Confirm” to proceed. You will be directed to the result page.

The request will be processed in 5 business days however you can follow the status of your bank transfer within your account – under “Transactions history” – “Transfers” tab. Should you decide to cancel the bank transfer, click the red cross icon to the right of the transfer request. You may only cancel the bank transfer whilst the status is “New”.

1. Log in to your Payz Business Account.
2. Select “Bank transfers” in the menu, and either “To my bank account” or “To a 3rd party” tab.
3. Under “Transfer to”: select “Add a bank account” and provide the beneficiary bank information, including the bank account number/IBAN.
4. Press “Continue” to proceed. You will be directed to the second page with all your bank account details displayed.

The Payz Plus Business debit card is accepted worldwide and comes with additional travel benefits, helping you manage your company expenses and business trips, whilst giving employees instant access to funds necessary to run your business.

Available in three different currencies (GBP, EUR, USD), Payz Plus Business cards give you complete control over your spending with custom security features and instant access to your account funds. You can batch order up to 11 physical cards in different currencies and spend at over 70 million locations on the Discover® Global Network.

You can also get up to 11 virtual cards and start spending online straight away.

Additional benefits include:

• Enjoy unlimited free wi-fi at over 50 million hotspots in more than 200 countries and territories.
• Start your business trip in style with discounted rates at over 1500 airport Diners Club lounges.
• And with our Airport Services option, you can enhance your travel experience even further with a dedicated airport assistant and stress-free private transfers.

1. Log in to your Payz Business Account.
2. Select “Payz cards” from the menu.
3. Choose your application type: Single or Multiple Payz Plus cards.
4. Select the card currency.
5. Choose the linked account (Master or Expense) to which you want to link the card.
6. Enter the cardholder name and select the delivery option.
7. Submit the application.

These terms and conditions (‘Terms’) set out the terms and conditions of your participation in the Payz Plus Business Card Cashback promotion (‘Promotion’). The Promotion allows an existing Payz customer (‘You’, ‘Your’) to receive cashback in the form of a credit to Your Payz account equivalent to a percentage of the payment made, if you meet the eligibility criteria described below.

By participating in Promotion, You agree to these Terms.

Eligibility

Eligible Customer

To be eligible to participate in the Promotion You must be an individual who
• is an existing Payz customer; and
• has a Payz Plus Business Card, Virtual Payz Plus Business Card or Payz Metal card (‘Eligible Cards’); and
• makes an Eligible Purchase (as defined below)

Eligible Purchase

• An Eligible Purchase is any online or physical purchase made with an Eligible Card which:
  • is made between 15 March and 31 December 2024; and
  • has successfully cleared (i.e. has not been declined); and
  • is not subject to a dispute (i.e. a chargeback); and
  • is not made with any of the following types of merchant:

-financial services, payment services, or any other liquid or cash-like services;
-cigar and tobacco purchases;
-tax, fines, penalties, support payments, or other payments to or required by a government or judicial entity;
-lotteries or gambling;
-utilities;
-charitable, religious and educational organisations.

How does Payz Plus Business Card cashback work?

• Eligible Customers will earn cashback at a rate of up to 1% of the Eligible Purchase transaction amount (‘Cashback’).
• Cashback will be paid in the currency of Your Eligible Card.
• Cashback will be recorded immediately after You make an Eligible Purchase and will be recorded and calculated throughout the calendar month. Cashback will be paid for all Eligible Purchases in arrears on or around the 10th day of the next calendar month.
• Your Cashback will be credited to the same Payz currency account Your Eligible Card is linked to.
• Only cleared Eligible Purchase payments are eligible for receiving the Cashback.

Cashback calculation

If an Eligible purchase is made by an Eligible Customer from the UK or the EEA between 1 October 2023 and 31 October 2023, the Cashback rate applied to this Eligible purchase is 1% of the transaction value.

Termination and Changes

Your participation in the Promotion is not guaranteed and we reserve the right to cancel this offer at any time with an immediate notice.

We reserve the right, at any time and without a prior notice, to make changes, cancel or suspend any part of the Promotion at our sole discretion. This includes, but is not limited to, changes in the eligibility criteria or percentage of the Cashback.

We reserve the right, at our sole discretion to suspend or cancel Your participation in the Promotion or refuse to pay out accrued rewards where:

• we have reason to believe that payment of the Cashback to You would break any law or regulation which we are subject to;
• the payment that earned the Cashback is refunded to You;
• we have reason to believe You earned the Cashback fraudulently; or
• You broke these Terms in order to get the Cashback.

In the event we believe You have received the Cashback as a result of the aforementioned reasons, we may seek to recover the amount of the Cashback by debiting Your account.

If we cannot recover the amount of the Cashback from Your Payz account, You will still owe us the relevant amount. We may require and collect payment from You to cover an outstanding negative balance on Your Payz Account at any time. Failure by You to make payment is a breach of these Terms. We may at any time send You reminders or take other debt collection measures, including, but not limited to, mandating a debt collection agency or solicitors or pursuing a court claim. We may also charge You fees and expenses We reasonably incur in connection with debt collection or enforcement efforts.

You can read more about how we can recover amounts that You owe us in the Terms of Use for the User Account ‘Terms of Use for the user Account’.

Who we are

Payz is a brand name of PSI-Pay Ltd. PSI-Pay Ltd is authorized and regulated by the Financial Conduct Authority in the UK as an Authorised Electronic Money Institution with firm reference number 900011. Payz Plus Business Card, Virtual Payz Plus Business Card and Payz Metal card are issued by PSI-Pay Ltd.

If You have any questions about these Terms or any of Your dealings with Us, You can contact Our Customer Support Service: via e-mail at customersupport@payz.com or via the “Contact” page on the Website (https://www.payz.com/).

Other terms

All capitalized terms used in these Terms and not otherwise defined herein shall have the meanings assigned to them in the Terms of Use for the User Account.

All other terms of use of Your Payz Plus Business Card, Virtual Payz Plus Business Card or Payz Metal card, Your Payz account and other cooperation terms with Us are determined in the Terms of Use for the User Account.

All disputes arising out of or relating to these Terms will be resolved in accordance with order stipulated in the Terms of Use for the User Account.

Look for the contactless symbol which means you can make small value transactions quickly and easily. You can tap your Payz Plus card on a payment reader and that’s it, the transaction is completed without the need to enter your PIN.

The first transaction on your card will always need to be a contact transaction with your PIN, then you can make 5 contactless transactions in a row before you need to use your PIN again. Large value transactions will always need a PIN.

Contactless limits are country specific so you should check locally for details.

All your online purchases made with Payz Plus cards are protected with ProtectBuy.

ProtectBuy is a service offered by Payz in partnership with Diners Club International, and is an additional layer of security for online (ECOM) card transactions that protects you against unauthorised use of your card when you shop at participating online retailers. It puts you in control when you are spending online, as only you can approve purchases made with your card giving you extra security and peace of mind.

If you have already used your Payz Plus card to pay online, you’ve probably been asked to confirm your payment with an SMS code on a few occasions.

The ProtectBuy feature for your card is already activated. All you need to do is make sure that you have your correct mobile phone number registered in your account – you can check and update it in settings.

Dynamic currency conversion (DCC) allows you to make point-of-sale (POS) or automatic cash disbursement (ATM) transactions in the currency of your card when the default currency of the transaction is different.

An example of this would be if you have a EUR card and make a purchase transaction in Poland in PLN currency. If the merchant provides DCC services, the POS terminal will allow you to select whether you want the transaction to be processed in PLN or in EUR.

If you select the transaction to be processed in your card currency, the currency exchange rate of the DCC service provider will be applied to the transaction amount instead of the Diners Club International currency conversion rate and Payz currency conversion fee.

It is up to the cardholder to determine whether to use DCC and whether the final amount of the transaction is more preferable. Payz cannot control nor be responsible for the currency exchange rates applied on DCC transactions.

The Payz Business Mastercard is the fastest and most convenient way of accessing money in your Payz Business Account as the payment card is linked directly to it.

You can use your card to withdraw at cash machines and spend in shops worldwide using Chip and PIN.

If your card has the contactless symbol  you can tap your card instead of inserting your card and entering your PIN at merchant’s displaying the same symbol.

You may order a card for Master Account and every Expense Account that you have.

Look for the contactless symbol which means you can make small value transactions quickly and easily. You can tap your Payz Business Mastercard on a payment reader and that’s it, the transaction is completed without the need to enter your PIN.

The first transaction on your card will always need to be a contact transaction with your PIN, then you can make 5 contactless transactions in a row before you need to use your PIN again. Large value transactions will always need a PIN.

Contactless limits are country specific so you should check locally for details. The limit is currently £45 in the UK and 50 zl in Poland.

1. Log in to your Payz Business Account.
2. Select “Payz card” from the menu.
3. Choose your application type: Single or Multiple Payz Business Mastercard.
4. Select the card currency.
5. Choose the linked account (Master or Expense) to which you want to link the card.
6. Enter the cardholder name, your registered address and delivery option.
7. Submit the application.

All your online purchases made with Payz cards are protected with 3D Secure.

3D Secure is a service offered by Payz in partnership with Mastercard®, and is an additional layer of security for online (ECOM) card transactions that protects you against unauthorised use of your card when you shop at participating online retailers. It puts you in control when you are spending online, as only you can approve purchases made with your card giving you extra security and peace of mind.

If you have already used your Payz Mastercard to pay online, you’ve probably been asked to confirm your payment with an SMS code on a few occasions.

The 3D Secure feature for your card is already activated. All you need to do is make sure that you have your correct mobile phone number registered in your account – you can check & update it in settings.

Authenticate your online Payz Mastercard^® payments with our app

Now you can use the Payz mobile app to authenticate your payment and add an extra layer of security. It’s really quick and easy and if you don’t have the app yet, simply download it on the App Store or on Google Play. Once you have the app, you’re ready to confirm it’s you making the transaction, and your purchase can be made.

If you use your Card for a transaction in a currency other than the currency in which your card is issued, the transaction will be transferred from the Mastercard payment network to that of Mastercard International Incorporated and converted into the currency in which Your card is issued at a rate shown at the Mastercard website.

You can compare the rate being applied to your transaction with the rates published by the European Central Bank here.

This will allow you to readily identify any difference between the FX rate and fees applied by Us with the applicable ECB rate using the following example, which is based on data obtained from April 30 2020:

1. You will need to be aware of the fee that we may charge and that may apply to any Foreign Exchange transactions. This can be obtained from the Payz Business Mastercard Fees & Limits page.
2. Go to the Mastercard Currency converter and select the date of your transaction. Currently your rate is calculated on the date when the transaction is processed by Mastercard (“presentment day”). From August 11 2020 the way this date should be calculated will change and Mastercard will use the exchange rate that was used at the date and time your transaction was approved by the merchant (also known as the “authorisation date”) rather than at the time the transaction was fully settled by Mastercard (“presentment day”).

   These rates change on a daily basis at 14:05 USA Central Time Zone and last for 24 hours. The time difference with Central European Time is typically +7 hours (There may be seasonal differences due to Summer Time Daylight Saving) meaning they would typically be set at 9:05 PM CET.

   For example, if your transaction took place on May 1 2020 at 12:00 noon CET, this would convert to a date and time of May 1 2020 03:00 AM USA CTZ. This would be covered by the rate set on April 30 2020 covering the period April 30 2020 14:05 PM CTZ to May 1 2020 14:05 PM CTZ (April 30 2020 9:05 PM CET to May 1 2020 9:05 PM CET) so you would in this instance select the rate for the April 30 2020.

3. Input any fee you have been advised of that applies to the transaction (see the Payz Business Mastercard Fees & Limits page), select the relevant currency for the transaction, for example Great British Pound, and the currency of your card, for example EURO.
4. Enter the value of the transaction into the “Transaction Amount” field and press the “Calculate” button.
5. The amount charged will be shown under the “Your Card Currency Amount” heading and the rate applied will also be displayed. This will for example display in the format 1 GBP = 1.186 EUR
6. You can compare this rate with the European Central Bank rate here. This shows the exchange rate of the Euro against a number of currencies. Click on the required currency (GBP in our example) and the current day’s rate is shown at the top of the screen along with a graph and table of previous rates. This can be displayed in either EUR to GBP or GBP to EUR format, in our example you would select GBP to EUR and would see a rate such as 1 GBP = 1.186 EUR. The historic rates can be obtained by Clicking on the shown graph. The ECB rate shown can now be readily compared with the rate obtained from the Mastercard site.
7. To establish the difference as a percentage of the ECB rate, please complete the following calculation:

a. Deduct the ECB rate from the returned Mastercard value.
In our example this would be 1.186 – 1.1507 = 0.0353 difference.

b. Divide the difference by the ECB rate.
In our example this would be 0.0353/1.1507 = 0.030677.

c. This can readily be converted to a percent by multiplying by 100.
The rate difference in this example is 3.0677%.

You can use our calculator in your Payz account (under Payz cards) to easily carry out this calculation. We’ll also inform you via email after every card transaction that involves a currency conversion of the applied currency conversion rate and the markup in comparison to the actual ECB currency conversion rate.

Welcome to Payz, your trusted travel companion. These Travel Cashback Terms of Use (the “Terms”) govern your use of the travel cashback feature (“Travel Cashback”) available through Payz. By using Travel Cashback, you agree to be bound by these Terms.

1. Eligibility

To use Travel Cashback, you must:

• Be a registered user of Payz.
• Follow a referral link provided by Payz to access a co-branded page hosted by Booking.com (the “Co-Branded Page”).
• Comply with all the Terms and Conditions of Booking.com.

2. Travel Cashback Program and Calculation

Travel Cashback is a feature that allows you to earn cashback rewards when you make eligible accommodation bookings through the Co-Branded Page. The eligibility criteria for bookings to earn cashback will be specified on the Co-Branded Page. Make sure to review the specific terms for each offer. Cashback rewards will be credited to your Payz account upon the successful completion of the eligible booking. The amount of cashback and the terms of redemption will be specified for each offer. The Travel Cashback is calculated in EUR.

Cashback may not be available in conjunction with other discounts, promotions, or third-party rewards unless explicitly stated.

3. Completed Bookings

Travel Cashback will only apply to completed accommodation bookings that meet the promotions eligilibity criteria.

4. Crediting of Cashback

Your Cashback will be paid to the Payz Account number that you have chosen in the Payz Travel section of your Payz Account or the Payz App within 10 business days after your check-out from the Eligible booking. The cashback amount is limited to 5% of the accomodation booking price. In the event that the cashback is paid to a Payz account other than EUR, currency conversion fee will be applied.

5. Changes and Termination

Payz may modify or terminate the Travel Cashback program at any time. Any such changes will be communicated to you through email or an internal message within the message center of your Payz Account.

Payz may terminate your access to Travel Cashback at its discretion if you violate these Terms or the Payz Terms of Service.

Payz reserves the right to suspend or terminate your access to Travel Cashback if there is any indication of fraudulent activities, abuse, or misuse of the program.

6. Disclaimers

Travel Cashback is provided on an “as is” basis, and Payz makes no warranties or representations regarding its availability, accuracy, or performance.

7. Limitations of Liability

1. Payz does not hold any liability related to the information presented on the Co-Branded Page, including but not limited to its accuracy, availability, pricing, or any other content. Any discrepancies or issues related to the Co-Branded Page should be directed to Booking.com, the operator of the Co-Branded Page.
2. All complaints, concerns, or disputes related to bookings made through the Co-Branded Page, or the services provided by Booking.com, should be addressed directly to Booking.com in accordance with their policies and procedures. Payz shall not be responsible for, nor have any liability in connection with, such matters.

8. Contact Information

For any questions or concerns regarding Travel Cashback, please contact us at customersupport@payz.com

9. Agreement to Terms

By using Travel Cashback, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

Welcome to Payz, your trusted travel companion. These Car Rental Cashback Terms of Use (the “Terms”) govern your use of the Car Rental cashback feature (“Car Rental Cashback”) available through Payz in cooperation with Rentalcars.com. By participating in this promotion, You agree to adhere to the following terms:

1. Eligibility:

To be eligible for the Car Rental Cashback offer:

• Clients must click on the Referral Link provided in their Payz Account.
• The transaction must be finalized on the co-branded page hosted by Rentalcars.com.
• Bookings made directly on Rentalcars.com will not qualify for the promotion.

2. Payment Method:

This Car Rental Cashback offer is exclusively valid for bookings paid online. Bookings paid upon arrival at the rental location are not eligible for the promotion.

3. Cashback Calculation:

Cashback is applied solely to the base car rental price. It excludes any charges for optional extras, including but not limited to insurance, GPS, snow chains, and other supplementary services. The cashback amount is limited to 5% from the base car rental price. The cashback is calculated in EUR. In the event that the cashback is paid to a Payz account other than EUR, currency conversion fee will be applied.

4. Completed Bookings:

Car Rental Cashback will only apply to completed car rental bookings that meet the promotion’s eligibility criteria.

5. Car Rental Cashback crediting:

The Car Rental Cashback will be processed within a period of up to 10 business days after the client has returned the rental vehicle to the car rental company. Cashback will be credited to the Payz Account Number chosen by the client in the Payz Travel section of their account.

6. Changes and Termination

Payz may modify or terminate the Car Rental Cashback program at any time. Any such changes will be communicated to you through email or an internal message within the message center of your Payz Account.

Payz may terminate your access to Car Rental Cashback at its discretion if you violate these Terms or the Payz Terms of Service.

7. Limitations of Liability:

Payz shall not be liable for any information, services, or content provided on the Rentalcars.com website. Any concerns, disputes, or issues related to the Rentalcars.com website, its services, or terms of use should be directed to Rentalcars.com in accordance with their terms and conditions.

By participating in the Car Rental Cashback promotion, clients acknowledge and accept these terms and conditions. Payz and Rentalcars.com reserve the right to amend or terminate this promotion at their discretion. Any such changes will be communicated to clients through the appropriate channels.

Please note that additional terms and conditions may apply, and clients are encouraged to review the full terms provided by Payz and Rentalcars.com for comprehensive details regarding this promotion.

8. Contact Information

For any questions or concerns regarding Car Rental Cashback, please contact us at customersupport@payz.com

9. Agreement to Terms

By using Car Rental Cashback, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

Dual authorisation is a security setting that gives you additional control over your payments – two different users are required to authorise certain payments above a specific amount that you set.

In order to set-up the Dual Authorisation:

1. Choose the billing account from the drop-down menu.
2. Enter the amount that will be the threshold to enable the Dual Authorisation.
3. Click on “Save”.

You are able to review all payments pending the second approval under the “Manage Payments” section in the “Dual Authorisation” menu in your account settings.

The “Reports” section in the “Dual Authorisation” menu allows you to review all entered and approved.

2 step verification adds an extra layer of security to your account, so we know it’s really you. With 2 step verification, your account will be protected by both your password and information sent to your phone.

Every time you access your account, you will be required to enter your password and a verification code. Depending on which option you select at set up, you will receive your unique code from either Google Authenticator or it will be sent directly to your phone.

You can manage your 2 step verification settings in your account, including managing your ‘Trusted devices’. This feature allows you to add a device to your trusted list which means you will not be required to enter a verification code every time you access your account on that device.

Settings for 2-step verification can be found in the following location:

1. Log in to your account.
2. Go to “Settings” section in the menu (wheel cog symbol).
3. Select “Security” tab.

1. Click on “Enable” next to “2-Step Verification”.
2. Follow the simple on screen instructions.

1. Click on “Edit” next to “2-Step Verification”.
2. Click the “RESET” button.
3. Click “CONFIRM”.

This might happen if the time on your Google Authenticator app is not synchronised correctly.

To make sure that you have the correct time:

1. Go to the main menu on the Google Authenticator application.
2. Click “Settings”.
3. Click “Time correction for codes”.
4. Click “Sync now”.

In case your verification codes are still getting rejected after time synchronization please contact our Business Support Team for assistance.

Please get in touch with our Business Support Team and we will help you regain access to your Payz Business Account.

Authorised Push Payment (‘APP’) Fraud is where a person uses a fraudulent or dishonest act or course of conduct to manipulate, deceive or persuade a consumer (interchanged for customer in this document) into transferring funds from the consumer’s relevant account to a relevant account not controlled by the consumer, where;

• the recipient is not who the consumer intended to pay; or
• or the payment is not for the purpose the consumer intended.

A good example of an App Fraud can be tricking someone into purchasing goods which don’t exist or are never received.

You are eligible to make a claim in case of App Fraud under following circumstances:

• You are an Eligible Person, which means You are using our service for business purposes and you are a sole trader, microenterprise (an enterprise that employs fewer than ten (10) persons and that has either an annual turnover or annual balance sheet total that does not exceed €2 million) or a charity (a body whose annual income is less than £1 million per year and is a charity as defined by the Charities Act 2011, Charities and Trustee Investment (Scotland) Act 2005 or the Charities Act (Northern Ireland) 2008).
• It relates to an Eligible Transaction, which means it is a transaction authorised by an Eligible Person and the APP scam transaction has all the following features:
• It is executed through the Faster Payments Scheme (which includes a payment initiation service).
• It is authorised by You and You are an Eligible Person.
•  It is executed by us in the UK.
•  The payment is received in a relevant account in the UK that is not controlled by You.
• The payment is not to the recipient that You intended or is not for the purpose You intended.

Please note, that for each APP scam claim You submit, We reserve the right to charge You a claim excess of up to £100 on reimbursable APP scam claims.

If You are a victim of an APP scam You must contact Customer Support service at appr@payz.com no later than thirteen (13) months after the final payment is made to the fraudster as part of the same scam.

This is what we expect from You:

• To promptly report the scam to Payz upon learning or suspecting of falling victim to a scam.
• To comply with appropriate information requests from Us to support the assessment of the claim.
• To the police, or, allow Us to do so on Your behalf, if required.

We will reimburse you for the APP scam amount, minus a claim excess of up to £100 (if applicable), up to a maximum of £85,000. Reimbursement will be provided within five (5) business days unless additional information is required.

To log in, type username and password into the corresponding fields of the login page and then click the “Log in” button.

Log in to your Group User account

Click the “Log in” button and log in with the username and password you chose during registration.

Select the “Manage Users” tab from the left-hand menu

1. Fill in the necessary information

You will be asked to enter your username, first and last name, email address, country and role (Finance, Merchant Payment or Reporting).

2. Click “Create User” to finalise the process

An automated email containing the activation link and user name will be sent to the email address specified in the registration form.

3. Activate the new user

Insert the received activation link in a web browser window, select a user name and complete the activation by clicking “Activate your account”.
Note: As soon as the account is activated, you will be asked to change the password and select a secret question & answer for your password recovery process.

Log in to your account

Click the “Log in” button and log in with the username and password you chose during registration.

Select “Payouts” from the “Transfer Funds” menu, navigate to “Manage Payouts” tab

1. Enter transfer details

Select the sender account from the drop-down menu, enter the amount of funds you wish to transfer taking into account that it should not exceed the amount of available funds in your account. Type in the client account number you wish to send funds to, enter a unique Transaction ID, and provide transaction description (optional) then select “Continue”.

2. Validate details

If the amount or beneficiary account number is incorrect, use the “Go back & amend” link to change the invalid detail(s).

3. Click “Confirm”

The transaction will be instantly processed and you will be presented with a confirmation result page.

 
Note: If you regularly process large amounts of payouts to different users, we recommend the batch payout uploads as a more convenient and time-saving method to complete this task. To learn more about batch payout uploads, please review the following section.

Contact your account manager specifying the currency(-ies) of the billing account(s) you would like us to add and we’ll set up new account(s) in a matter of minutes.

Log in to your account

Click the “Log in” button and log in with the username and password you chose during registration.

Select the respective section under “Information” menu on the left

1. Manuals – contains useful manuals and guides about merchant integration procedure and customer experience.
2. Useful Information – contains a list of the currencies and the payment options that are available.
3. Configuration details – displays the merchants’ technical details and fee structure.

Applying for the Payz Merchant Account is easy and free of charge. All you need to do is to complete our online registration form.

The next step

Once we have received your completed application form, one of our merchant sales agents will review it and get in touch with you. They will provide a clear explanation of the facilities/options available to you on the Payz platform as well as to guide you through the rest of the registration process step-by-step. This process includes provision of the completed “Merchant Application Form”, “Merchant agreement”, and submitting copies of a range of documents about your company as part of the Know Your Customer Business (KYCB) validation process.

Account activation

As soon as your merchant application is approved you will receive an e-mail with your merchant account activation details. Please click on the activation link and confirm your username. An activation screen will appear and you will be required to enter your username. (You will also see a pre-filled activation code – please leave this field). Then select the “Activate your account” button.

Password change

Once the account is activated, user is redirected to “Password Change” page. To change your merchant password:

1. Type and confirm the new password.
2. Click the “Submit” button to save the new password.

To log in, type username and password into the corresponding fields of the login page and then click the “Log in” button.

The hierarchy

Two different username types exist in the system to log in with: Group login and Merchant login.

Group login

Group can contain more than one merchant account, therefore the following can be accessed by using the “Group” username:

1. Observe ALL statements/transactions for all merchants listed under the Group.
2. Transfer funds between different merchant accounts under the Group.
3. Create restricted access rights to the operator from the Merchant side.

Merchant login

Offers standard package of functions with the exception of above features, exclusive for Group login.

Payz merchant interface supports a 3-level access hierarchy enabling Merchant Accounts with different access rights.

1. Finance – provides full access rights to the system functionalities including reports, payments, withdrawals, etc.
2. Merchant Payment – provides access to reports (settlement, balance, payout), personal settings, payout management, upload of deposits.
3. Reporting – provides access only to the Personal Settings and Reports sections.

Log in to your Group User account

Click the “Log in” button and log in with the username and password you chose during registration.

Select the “Manage Users” tab from the left-hand menu

1. Fill in the necessary information

You will be asked to enter your username, first and last name, email address, country and role (Finance, Merchant Payment or Reporting).

2. Click “Create User” to finalise the process

An automated email containing the activation link and user name will be sent to the email address specified in the registration form.

3. Activate the new user

Insert the received activation link in a web browser window, select a user name and complete the activation by clicking “Activate your account”.

 
Note: As soon as the account is activated, you will be asked to change the password and select a secret question & answer for your password recovery process.

Before the merchant can be technically connected to the Payz system, there are certain arrangements that need to be made, e.g. firewall opening, database updates. Payz will then send a form requesting all the necessary information. After that Payz will send all necessary details for the merchant’s operational environment including passwords, usernames, the Merchant Integration Guide (MIG) and any other information the merchant needs to connect to the Payz system.

Once a merchant receives the necessary technical information regarding the accounts which have been created for them in the Payz system (and supplied the requested information to Payz technical department), they are able to start testing these accounts. The merchant is provided with a “Merchant Test Account” and a “User Test Account”. Both accounts have the same functionality as live ones and are used to test the technical set up and purchase/payout transfer procedures without involvement of real money. As soon as both the merchant and Payz are satisfied with the test results the merchant can go live.

Contact your account manager specifying the currency(-ies) of the billing account(s) you would like us to add and we’ll set up new account(s) in a matter of minutes.

Log in to your Group User account

Click the “Log in” button and log in with the username and password you chose during registration.

Select “Internal transfer” from the “Transfer funds” menu

A transfer form will open where you need to provide the payment details. All fields marked with * are mandatory.

1. Enter the sender information
   Select sender account from the drop-down menu and enter the amount of funds you wish to transfer. Please take into account that it should not exceed the amount of available funds. Then select the beneficiary account and provide a description (optional). Select “Continue”.
2. Validate details
   If the amount or beneficiary account number are incorrect, select the “Go back & amend” link to change the detail(s).
3. Click “Confirm”
   The transaction will be instantly processed and you will be presented with a confirmation result page.

Log in to your Group User account

Click the “Log in” button and log in with the username and password you chose during registration.

Go to the “Withdrawals” page located in the “Transfer funds” menu

Withdrawals can be performed by wire transfer only. Before submitting a new request, a payment option (i.e. bank account details) should be added. There is no need to add a payment option if it has already been added. To learn more about payment option registration, please review the following section.

1. Enter and verify details of the wire transferSelect the account to withdraw from, using the corresponding drop-down menu. Then enter the amount you wish to withdraw (minimum 100.00 EUR). Note there is a volume-based flat fee for withdrawal transaction processing. Click “Continue” to proceed.You will be directed to the next step. If the amount or beneficiary account number is incorrect, use the “Go back & amend” link to change the invalid detail(s). Please take note that the amount will be settled in Euros or in pound sterlings. You can request withdrawals in other currencies, however, exchange fees will be incurred with any currency other than GBP or EUR.
2. Click “Confirm”
3. You will then be directed to the result page.The request will be processed in 5 business days however you can follow the status of your withdrawal within your account – the “Withdrawals” tab.Should you decide to cancel the withdrawal, click the “Cancel” button to the right of the withdrawal request. You may only cancel the withdrawal whilst the status is “New”.

Log in to your account

Click the “Log in” button and log in with the username and password you chose during registration.

Select “Add” in the “Payment settings” tab and provide your bank information:

1. Provide beneficiary name
2. Type in the bank account number/IBAN
   IBAN (International Bank Account Number) must be provided by customers resident in an EEA member state.
3. Select your bank account’s currency from the drop-down list
4. Provide the name of your bank
5. Type in the physical address of your bank and/or branch
6. Enter the SWIFT/ABA Code
   This could be either the 8 or 11 characters long SWIFT Code or 9-digit ABA/Routing Code. You can enter both if applicable.
7. Mention the branch and/or bank code if any
8. Enter the intermediary bank details if any
   Bank’s name, SWIFT and/or ABA, account number will go into this field.
9. Press “Continue” to proceed
   You will be directed to the second page with all your bank account details displayed. You can use the “Change” hyperlink to amend details if some of them appear to be incorrect or finalise a new payment option registration by clicking “Confirm”.

When a client connects to a merchant’s webstore and chooses something to purchase, the Merchant’s application needs to obtain the amount of money for this purchase operation. When the client chooses the Payz payment option:

1. The client is asked to enter the transaction amount
2. Client is redirected to the Payz site and is asked to log in
   Once logged in, client is redirected to a customized merchant payment page where they can select one of their accounts to use for the transaction.
3. The transaction is processed
4. Client is redirected back to the Merchant site
   Funds are credited to the client account on the merchant’s side in case of a successful transaction or rolled back if an error occurs.

Log in to your account

Click the “Log in” button and log in with the username and password you chose during registration.

Select “Payouts” from the “Transfer Funds” menu, navigate to “Manage Payouts” tab

1. Enter transfer details
   Select the sender account from the drop-down menu, enter the amount of funds you wish to transfer taking into account that it should not exceed the amount of available funds in your account. Type in the client account number you wish to send funds to, enter a unique Transaction ID, and provide transaction description (optional) then select “Continue”.
2. Validate details
   If the amount or beneficiary account number is incorrect, use the “Go back & amend” link to change the invalid detail(s).
3. Click “Confirm”
   The transaction will be instantly processed and you will be presented with a confirmation result page.

Note: If you regularly process large amounts of payouts to different users, we recommend the batch payout uploads as a more convenient and time-saving method to complete this task. To learn more about batch payout uploads, please review the following section.

Log in to your account

Click the “Log in” button and log in with the username and password you chose during registration.

Select “Payouts” from the “Transfer Funds” menu, navigate to “Upload Batch Payouts” tab

1. Prepare a batch file and save it in CSV formatCreate a text file in the format detailed below:MerchantAccountNumber, ClientAccountNumber, ClientAccountNumberAtMerchant, TxID, TxBatchNumber, Amount, CurrencyMake sure you do not put headers in the first line of the batch file. The parameter names are described below:

   MerchantAccountNumber – Payz Merchant Account number that will be used to transfer the funds (int).
   ClientAccountNumber – Client Payz Account number that will be used to transfer the funds (int).
   ClientAccountNumberAtMerchant – Client account number with the merchant.
   TxID – Merchant Transaction ID (string 255), parameter must be unique for every TX.
   TxBatchNumber – Merchant Transaction Batch Number (int).
   Amount – Transaction amount (money in decimals).
   Currency – Transaction currency in ISO (USD, EUR, GBP, etc).

   Example: 101011,103423423,MYCASINOACNT,PAYOUTTX1,1,100,EUR

2. Upload the batch
   Choose your created batch file using the “Browse” button and proceed by clicking “Upload”. After a batch file is uploaded, there is an option either to upload another batch or delete the recently uploaded one. Once the batch file has been uploaded, it is stored within the Payz system. Stored batches are automatically processed every 30 minutes.

Log in to your account

Click the “Log in” button and log in with the username and password you chose during registration.

Select the respective section under “Reports” menu on the left

1. Statements report – reflects individual payments, payouts, deposits, withdrawals and transfers performed during each day when a certain merchant account was used.
2. Payouts report – contains information on payouts performed within a specified period of time when a certain merchant account was used.
3. Settlements report – reflects the total number and sum of payments, payouts, deposits, withdrawals and transfers performed during each day when a certain merchant account was used.
4. Balance Report – gives the merchant the outstanding balance on the selected day.

All reports can be filtered by the specific date and either viewed online or exported as CSV files.

Payz offers an API for merchants to perform some automatic actions such as: E.g.:

1. Automated Payout – allows payout transfers to customers to be processed automatically, making the process faster and more secure.
2. Automated Reporting – provides an alternative way to receive an activity report for a selected time period and for specific billing accounts.
   The report is returned as plain text containing all required data in CSV file format.

The Payz Affiliate program is for website owners who refer new users to Payz. In return, website owners can earn commission for all the purchases made by these referrals.

Joining the Payz Affiliate program is as easy as 1-2-3. Submit the application form – Get approved – Refer users – Earn commission for each purchase made by your referral.

In order to become a part of a Payz Affiliate program, you have to hold an active verified personal Payz Account or corporate Payz business account and have a clear vision on how to you are going to promote and refer new users to Payz. If you meet the criteria above, fill in the application form. Our affiliate managers will then contact you to help with setting up with the program.

Payz affiliates have a specially dedicated support team to help answer any of your queries as soon as possible. Please drop a line to your personal Affiliate manager or contact us via contact form.

We are doing our best to review all of the Affiliate Applications as soon as possible, but if you do not receive a reply within the 5 business days, please contact us via contact form.

Once you have the Affiliate program set up by the Affiliate manager, your account will have a new menu group on your landing page called Affiliate Tools. Simply log in to your Payz Account, go to Affiliate tools > Tracking codes and create a tracking code for your campaign. To start using the tracking codes, follow the instructions on the page.

Absolutely! You can create as many tracking codes as you need and use them for multiple marketing campaigns, and on multiple websites.

You can view all of your Tracking codes and filter the results just by logging into your Payz Account:

• Payz Client Account – Select “Affiliate tools” from the menu and then the “Tracking codes” tab.
• Payz Business Account – Select the “Tracking Codes” section from menu under “Affiliate tools”.

The applied rules are managed by the Payz Affiliate program Terms and Conditions. Please note that Payz does not operate in certain countries nor provides its services for certain industries.

Yes, once you are logged into your Payz Account you can see real-time stats on the earned commission and the number of referred users:

• Payz Client Account – Select “Affiliate tools” from the menu and then the “Commission” tab.
• Payz Business Account – Select the “Dashboard” section from menu under “Affiliate tools”.

Payz transfers Affiliate program commission on a weekly basis.

You have a variety of choices on how to access your commission –

1. Request a bank wire transfer to your personal bank account.
2. Apply for the Payz Mastercard for the instant access to your commission.

Absolutely! Just email our Affiliate Support Team or your Affiliate Manager with your request and we’ll see how we can accommodate it.

You are welcome to find the necessary artwork in our Brand centre. If you need special banners, feel free to leave a request for your Affiliate Manager.

Of course, just visit our Brand centre for the suggested marketing texts in a variety of languages.