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General
Ja, Payswix, UAB ist ein elektronisches Geldinstitut, das von der Bank von Litauen die Lizenz (No. 21) for the issuing of electronic money.
While the information on the payswix website is available in a variety of languages for marketing and easy accessibility purposes, our Team will provide further assistance in English and Lithuanian languages only.
Of course. Your safety is one of our top priorities. We preach full transparency when it comes to our customers’ accounts and transactions; therefore, we will keep you informed about the status of your account as well as your payments.
As Payswix, UAB is registered under the Data Protection Act, our internal procedures and systems are designed to comply with the data security regulations. Hence, we can assure you that the shared information and documents are completely safe with us.
Para obtener más información sobre nuestra protección de datos, consulte nuestros Términos de uso y Política de privacidad..
EEE son las siglas del Espacio Económico Europeo y los países que pertenecen a él son Austria, Belgium, Bulgaria, Croatia, the Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
The Hague Convention includes Albania, Andorra, Antigua, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belarus, Belgium, Belize, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei Darussalam, Bulgaria, Burundi, Cape Verde, Chile, China (Hong Kong), China (Macao), Colombia, Cook Islands, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, Estonia, Fiji, Finland, France, FYR of Macedonia, Georgia, Germany, Greece, Grenada, Guatemala, Guyana, Honduras, Hungary, Iceland, India, Ireland, Israel, Italy, Jamaica, Japan, Kazakhstan, Korea, Republic of - (South Korea), Kosovo, Kyrgyzstan, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Malawi, Malta, Marshall Islands, Mauritius, Mexico, Monaco, Mongolia, Montenegro, Morocco, Namibia, Netherlands, New Zealand, Nicaragua, Niue, Norway, Oman, Panama, Paraguay, Peru, The Philippines, Poland, Portugal, the Republic of Moldova, Romania, the Russian Federation, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Serbia, Seychelles, Singapore, Slovakia, Slovenia, South Africa, Spain, Suriname, Swaziland, Sweden, Switzerland, Tajikistan, Tonga, Trinidad and Tobago, Tunisia, Turkey, Ukraine, United Kingdom of Great Britain and Northern Ireland, United States of America, Uruguay, Uzbekistan, Vanuatu, Venezuela.
Los pagos SEPA salientes y entrantes están disponibles de/a Austria, Andorra, Bélgica, Bulgaria, Croacia, Chipre, República Checa, Dinamarca, Estonia, Finlandia, Francia, Alemania, Grecia, Hungría, Islandia, Irlanda, Italia, Letonia, Liechtenstein, Lituania, Luxemburgo, Malta, Mónaco, Países Bajos, Noruega , Polonia, Portugal, Rumanía, San Marino, Eslovaquia, Eslovenia, España, Suecia, Suiza, Reino Unido, Ciudad del Vaticano y territorios no pertenecientes al EEE, a saber, Saint-Pierre-et-Miquelon, Guernsey, Jersey, Isla de Man.
Payswix considers your safety one of its top priorities. However, please keep in mind the following steps to additionally ensure the security of your information:
1) Protect your personal information: there might be fraudsters that pretend to be from Payswix, asking for you to verify your personal information via email. Please make sure to double-check if the details present in the email are valid and belong to us (email address, contacts, what subject on the email is used, who is writing you an email, etc.). Be especially suspicious if someone is asking for information that Payswix already has. If you suspect fraudulent activity from someone using our name, please contact us immediately via [email protected]. Tenga en cuenta que nunca le pediremos información que pueda poner en peligro su cuenta.
2) Crea una contraseña segura para su cuenta: considere crear una contraseña que tenga al menos de 8 a 12 caracteres e incluya números mixtos, letras mayúsculas y minúsculas y símbolos. Intente mantenerse alejado de las palabras y combinaciones de palabras obvias del diccionario Intente utilizar frases de contraseña en lugar de contraseñas, ya que son más fáciles de recordar y más difíciles de adivinar.
3) Cierre sesión en los dispositivos públicos: Si inicia sesión en nuestro sitio web en un lugar público (biblioteca, oficina, casa de un amigo, etc.) no olvide cerrar la sesión cuando haya terminado.
4) Please note that payswix only uses SMS service to verify your identity. You will never be asked to verify your login by phone, e-mail, or other means.
5) Informe de actividades sospechosas: Si cree que su cuenta ha sido comprometida, comuníquese con nosotros de inmediato vía [email protected]. Si le ha dado su información de inicio de sesión a alguien o ha usado la misma contraseña para varias cuentas, cámbiela.
Applying for an IBAN
El monedero multidivisa permite a nuestros clientes mantener sus fondos en más de 70 divisas extranjeras dentro de la misma cuenta. Dicho servicio facilita el almacenamiento, envío y recepción de fondos.
Designated accounts are generated to provide a named IBAN for receiving and sending out payments. You can apply for a designated IBAN aquí and fill out the online registration form. Once your account has been set up, you will receive an email with the details of your designated account.
Para cuentas individuales: De 3 a 5 días hábiles, dependiendo de la relevancia de los documentos y la información proporcionada.
Para cuentas de negocio: There is no exact time frame for corporate account activation. Once we receive your completed payswix application, our Compliance team will review the information and send a list of required documents. The account approval depends on the relevancy of the documentation and information provided.
There is a standard package of documentation that we always request once the Onboarding process is started. However, any type of additional data required will depend on the type of business that your company conducts. You can check our Onboarding guide aquí.
No, no es lo mismo. La fuente de fondos debe reflejar los ingresos de la empresa, mientras que la fuente de riqueza debe indicar de dónde obtuvo los fondos para iniciar su negocio.
Como institución de dinero electrónico con licencia, exigimos a nuestros clientes que realicen las comprobaciones de cumplimiento necesarias que incluyen la divulgación de cierta información y documentos personales. Esto garantiza un proceso de incorporación seguro y eficiente. Tenga la seguridad de que nos tomamos en serio el uso y el almacenamiento de datos y operamos de acuerdo con la Ley de Protección de Datos. Por lo tanto, su información está segura con nosotros.
Yes, the information you provide must be correct and up-to-date. Only then, we can conduct successful compliance and identity checks.
Las tarifas de su cuenta dependen de la categoría de precios en la que se encuentre. Puede consultar nuestros precios aquí.
Debido a la política interna, hay información específica que no se puede divulgar a nuestros clientes ni cuestionar. La razón del rechazo de la cuenta es una de ellas. Si es posible un nuevo registro, nuestro equipo le informará de ello.
There is no need to worry. Just contact [email protected] y nosotros le ayudaremos a corregirlos.
Yes, however, you would need to apply for a B2B account first. Please also note that a C2B account can be provided only to EU-regulated crypto, forex, and gaming/gambling companies.
Cuentas
You can log into your account by pressing on the ‘Sign In’ button in the top right corner of the main page and by putting the email address and password you used on the registration, as well as confirming your identity by putting an OTP received via SMS.
Puede ver el saldo de los monederos multidivisa, así como el saldo aproximado en EUR en su página de inicio, presionando 'Inicio' y luego en 'Vista general'.
You can add sub-users for other company employees/ managers to use the account as well. For that to happen, you can go to ‘Settings’ at the right top corner of the page and click ‘Sub Users’. After that, please upload the required information, so we could approve it. Once it is done, the new user will be able to log into your account with their own credentials (email and password created). Please note that adding a sub-user option is available only for corporate clients.
La cuenta secundaria es una cuenta alternativa separada de la principal. Normalmente, las cuentas adicionales se utilizan con el único fin de mantener los fondos por separado (ahorro, salario, etc.) y facilitar la diferenciación entre ellos. Puede usar cualquiera de sus cuentas secundarias para transferir o recibir fondos.
Puede crear una yendo a 'Configuración' en la esquina superior derecha de la página de su cuenta, haciendo clic en 'Cuenta secundaria' y introduciendo la información requerida para su aprobación adicional.
Once the application is received by our team, we will reach out to you to confirm which sub-accounts should be activated as well as to confirm the pricing applied.
You can apply for a C2B account by creating a sub-account onto your main one and by indicating that it is a C2B account (the C2B account shall be named as XXXXXXXXXX LTD/UAB (IND)).
Go to ‘Settings’ at the top right corner of your account page and click ‘Change password’. You can also click on the ‘Forgot Password’ button on the sign-in page, put in your registered email address and you will be sent a reset link. Please make sure to choose a secure password by putting a minimum of 8 characters including at least one lowercase and an uppercase letter, one digit, and one of these special characters: !@#$%^&*_
For individual clients: Please send your inquiry to [email protected] desde la dirección de correo electrónico registrada y nosotros haremos el resto.
For business clients: to change your mobile number or email address, please send us ([email protected]) an official free-form letter with your request. The letter should include the old and the new phone numbers and/or emails and be signed by the director of the company. Once the letter is received, we will do the rest.
If you have not received an OTP upon registration, please double-check if the phone number you have provided is correct. If everything seems fine, we recommend contacting your mobile service provider and asking them to whitelist our OTP provider 'Twilio'. If you still do not receive the OTP, please contact us at [email protected] and we will investigate this further.
Lo más probable es que haya ingresado las credenciales de su cuenta o la contraseña de un solo uso incorrectamente un par de veces. Envíe un mensaje a [email protected] desde la dirección de correo electrónico registrada y desbloquearemos la cuenta.
To close the account, please send your request to [email protected] from your registered email address. Please note that for a corporate account closure, you will be requested to provide an official letter with your request, indicating the reason for the account closure. The letter shall be signed by the director of your company.
If your account is closed, it means that you are no longer able to log in to Payswix E-wallet and perform any actions in the account. The account might be closed due to the following reasons:
- Compliance reasons
- According to the personal client's request
- Due to inactivity
- Failing to cover the negative balance
If you would like to know more about the account closure, please contact [email protected].
Sí, envíe un mensaje a [email protected] and we will be able to supply you with one. Please note that a charge will be applied for this service according to your account pricing.
Cambio de divisa y pagos
Sí, una vez que su cuenta esté activada, podrá comprar y vender divisas.
Log into your account and click on “Conversions”. Then choose whether you’re looking to buy or sell the currency. After you select the needed option, choose the amount, the currency that you would like to buy or sell, and the account you wish to transact from. After that, press “Get Quote” and you’ll have 30 seconds to decide whether you’re happy with the rates and fees predisposed by the system. Press ’Buy’ to complete the conversion or ’Cancel & Back’ if you decide not to.
Las fuentes para la observación de tasas son globales, por lo tanto, los datos se actualizan de acuerdo con el mercado abierto en ese momento.
The outgoing and incoming* SWIFT payments are available in the following currencies:
Principales monedas:AUD, CAD, CHF, EUR, GBP, JPY, NOK, NZD, USD.
Monedas secundarias:RUB, ZAR, THB, SGD, HKD, HUF, ILS, MXN, PLN, AED, KRW, RWF, BBD, BDT, BGN, BHD, CZK, DKK, FJD, GHS, HRK, INR, JOD, KWD, LKR, MAD, MUR, MWK, OMR, QAR, RON, SAR, TRY, TWD, TZS, UGX.
Monedas exóticas:BRL, CLP, COP, BWP, JMD, KES, LSL, MGA, CNY, ARS, IDR, MYR, MZN, NAD, NPR, PEN, PGK, PHP, PKR, SLL, TND, TTD, VND, XAF, XCD, XOF, ZMW, UYU.
Si está interesado en recibir transacciones SWIFT entrantes en cualquiera de las monedas mencionadas anteriormente, comuníquese con nuestro equipo a través de [email protected] enviando el mensaje desde su dirección de correo electrónico registrada con una solicitud individual, para que nuestro equipo pueda proporcionarle instrucciones personalizadas.
Puede ver el cronograma a continuación:
SEPA Salientes | SEPA Entrantes |
8:50 - 9:30 AM EET | 9:00 AM EET |
9:30 – 12:00 PM EET | 11:10 AM EET |
12:00 – 14:30 PM EET | 13:40 PM EET |
14:30 - 16:25 PM EET | 16:10 PM EET |
Después de 16:30 PM, el siguiente día hábil | 16:55 PM EET |
Tenga en cuenta que los días hábiles excluyen los fines de semana y los días festivos en Lituania.. Preliminary payment receipt times will be affected on non-business days. As a client, you will be informed of any changes in the payments processing schedule due to public or bank holidays ahead of time.
To initiate a transaction, click on the ‘Pay-Out’ button at the top of your account page and select the payment method. Once you do that, just choose the recipient and banking details from your list, select the amount and currency, and create a transaction.
You can click on ‘Home’ and ‘Statements’ at the top of your account page to see the overall transaction listing. To check the overview of your separate payments (for instance fees, incoming payments, batch transactions, etc.), please click on 'Reports' at the top of your account page.
Una vez que se inicia la transacción, podemos tardar hasta 24 horas en procesarla. Después de eso, el tiempo de finalización de la transferencia depende de las zonas horarias y los horarios de los bancos locales. Los pagos SEPA (dentro de la zona de la UE) generalmente se reciben dentro del mismo día hábil o el día siguiente. Las transferencias fuera de la zona de la UE y el EEE (pagos SWIFT) pueden tardar entre 3 y 5 días hábiles en ser recibidas por el beneficiario.
Dado que solo podemos aceptar pagos SEPA (a menos que la cuenta esté autorizada para transacciones SWIFT entrantes), los fondos generalmente se acreditan dentro del mismo día hábil o el día siguiente después de que se procesan.
Si está interesado en recibir transacciones SWIFT entrantes, comuníquese con nuestro equipo a través de [email protected] enviando el mensaje desde su dirección de correo electrónico registrada con una solicitud individual, para que nuestro equipo pueda proporcionarle instrucciones personalizadas.
As all of the transactions are subject to internal review, our team might request additional information to verify such details as the source of funds or the reason for your transfer. This does not mean that each of your payments will be stopped.
No hay otros cargos aparte de los presentes en la lista de precios que se le proporcionó, que también podrá ver al iniciar la transacción.
You will be shown as a sender for SEPA payments. For the SWIFT transactions, the recipient will see Payswix, UAB, or our corresponding bank as a sender.
Una vez que inicie sesión en su cuenta, podrá ver la sección "Centro de actividades" debajo de la información de su saldo. Allí, puede presione en 'Añadir receptor' y rellene los datos personales y bancarios. Después de hacerlo, simplemente guarde la información y el receptor será añadido.
Por favor, asegúrese de que los datos que introduce sean correctos para que sus transacciones se realicen correctamente.
If you have not yet initiated a transaction using the incorrect beneficiary details, please go to your Recipients list to edit the information (under the ‘Settings’ at the right top corner of the page, click on ‘Recipients’, and then edit the selected incorrect Recipient).
If you have already initiated a transfer and it is still in progress, you have the option to cancel it yourself. Please refer to the section “How do I cancel a transaction that I initiated?”.
If the transaction status states as ‘Completed’, it means that the funds have left our bank and it is only possible to initiate a recall or trace of funds. If you would like to initiate a transaction recall or trace, please contact us by email [email protected].
We can initiate a recall request if required to the beneficiary’s bank. If the beneficiary’s bank agrees with the recall, the transaction will be returned and credited back to your account. If the beneficiary bank does not agree with the request, we can only suggest contacting the beneficiary and their bank for further details. Charges for recall message applies according to the set pricing if the message is initiated by Payswix.
If the transaction is not in the processing stage yet, please navigate in your Payswix account by clicking on ‘Reports’, then ‘Pay-Outs’, selecting the required transaction, and clicking ‘Cancel’. If the cancellation option is not available anymore, please contact us at [email protected] (or by phone during working hours at +370 (8) 52 07 5750) and we will advise on further steps. Payment can be canceled within 24 hours after the transaction is initiated or later if agreed by both parties.
If the payment is already processed, Payswix can initiate a recall for the transaction. Please refer to the section “If I sent a payment by mistake, can I recall it?” for more details.
If you notice a transaction in your e-wallet that has to be refunded to the beneficiary, please note that you can initiate the transfer back by yourself or contact [email protected] for further assistance in refunding the transaction back to the sender. Please note we will require you to provide a reason for the refund.
Charges for refund apply according to the set pricing by Payswix.
It is possible that the sender due to a mistake or any other reason can request to refund for a transaction that was received by you. If the transaction is already credited to your e-wallet and Payswix received a request from the beneficiary bank, we will inquire you, whether you agree with the refund of the transaction. If yes, we will initiate a cancelation and return the funds to the sender, if not, no further actions will be required from your side and Payswix will not initiate the refund.
For us to locate the funds, we would require proof of payment. Please make sure that all the necessary transfer details are present and send the document to [email protected].
For the recipient to locate the funds, please reach out to us via [email protected] y le proporcionaremos el comprobante de pago. Si no localizamos el pago, iniciaremos el rastreador.
Si el comprobante de pago que recibió no ayudó a localizar los fondos, comuníquese con nosotros de nuevo a través de [email protected] e por nuestra parte iniciaremos una investigación con el banco beneficiario.
If you can see in your e-wallet that one of your transactions was canceled, please note that after every transaction cancellation, an e-mail is sent to the customer with the reason for the cancellation to the registered e-mail address. If any additional information is required, please contact [email protected].
If you can see that your transaction was returned, the reason for the refund is always indicated in transaction reference\note. The most frequent reasons for the returned transactions are the following:
- AC01 - Incorrect account number
- AC04 - Closed account number
- AC06 - Blocked account
- MS02/MS03 - Not specified reasons by the sender
- RR01 - Missing debtor account or identification
- RR02 - Missing debtor name or address
- RR03 - Missing creditor name or address
- RR04 - Regulatory reasons
If the reason code that you see in the reference field does not match with any of the above-mentioned, or if you have any additional questions, please contact us at [email protected].
It is very common that when SWIFT transfers have more than one Bank involvement, the transfer may be stuck with different intermediaries for many reasons starting from missing or incorrect information to AML reasons. If you see that the receipt of the transaction is taking too long, please note that in these cases only the sender Bank is able to correctly track the transfer. If you would like to track down the payment, please refer to the sender and its bank in order to locate the transaction or ask for a recall initiation if necessary.
There might be bank fees applied and deducted from the amount you are sending or receiving by the beneficiary or correspondent bank. Payswix has no control over such fees.
Internal transfers occur between clients that have payswix accounts. Such transfers are free of charge.
Una opción de pago por lotes es una excelente solución para iniciar múltiples transferencias en un solo clic. Todo lo que tiene que hacer es completar el fichero CSV y cargarlo en nuestro sistema. Si está interesado en realizar la transacción por lotes, póngase en contacto con nosotros a través de [email protected] para obtener el fichero necesario junto con las instrucciones.
Please note that the outgoing and incoming SWIFT transactions are not available for businesses that are directly/indirectly related to cryptocurrency exchange and/or related to cash-based remittance services.
Lamentablemente, no aceptamos depósitos en efectivo.
Express payments are available only for outgoing SWIFT transactions. You can choose that option on the transaction initiation.