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Klauzula og贸lna

Tak, firma Payswix, UAB jest instytucj膮 pieni膮dza elektronicznego autoryzowan膮 przez Centralny Bank Litwy (No. 21) w zakresie emisji pieni膮dza elektronicznego.

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鈥 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.

Aby dowiedzie膰 si臋 wi臋cej o naszej ochronie danych, zapoznaj si臋 z naszymi Warunkami korzystania oraz Polityk膮 prywatno艣ci..

EOG oznacza Europejski Obszar Gospodarczy, a kraje do niego nale偶膮ce to: 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.

P艂atno艣ci wychodz膮ce i przychodz膮ce SEPA s膮 dost臋pne z/do nast臋puj膮cych kraj贸w Austria, Andora, Belgia, Bu艂garia, Chorwacja, Cypr, Czechy, Dania, Estonia, Finlandia, Francja, Niemcy, Grecja, W臋gry, Islandia, Irlandia, W艂ochy, 艁otwa, Liechtenstein, Litwa, Luksemburg, Malta, Monako, Niderlandy, Norwegia , Polska, Portugalia, Rumunia, San Marino, S艂owacja, S艂owenia, Hiszpania, Szwecja, Szwajcaria, Wielka Brytania, Watykan i terytoria poza EOG, a mianowicie Saint-Pierre-et-Miquelon, Guernsey, Jersey, Wyspa 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]. Pami臋taj, 偶e nigdy nie poprosimy o informacje, kt贸re mog艂yby narazi膰 Twoje konto na ryzyko.

2) Utw贸rz silne has艂o dla swojego konta: rozwa偶 utworzenie has艂a, kt贸re ma co najmniej 8-12 znak贸w i zawiera cyfry, wielkie/ma艂e litery i symbole. Staraj si臋 nie u偶ywa膰 oczywistych s艂贸w s艂ownikowych i ich kombinacji. Spr贸buj u偶y膰 ca艂ych fraz has艂owych a nie hase艂, poniewa偶 s膮 one 艂atwiejsze do zapami臋tania i trudniejsze do odgadni臋cia.

3) Wylogowuj si臋 z urz膮dze艅 publicznych: Je艣li logujesz si臋 do naszej witryny w miejscu publicznym (biblioteka, biuro, dom znajomego itp.), po zako艅czeniu nie zapomnij si臋 wylogowa膰.

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) Zg艂aszanie podejrzanej aktywno艣ci: Je艣li uwa偶asz, 偶e Twoje konto zosta艂o naruszone, natychmiast skontaktuj si臋 z nami za po艣rednictwem adresu [email protected]. W przypadku przekazania komukolwiek dane logowania lub u偶ywania tego samego has艂a do kilku kont, nale偶y je zmieni膰.

Applying for an IBAN

Portfel wielowalutowy umo偶liwia naszym klientom przechowywanie 艣rodk贸w w ponad 70 walutach obcych na tym samym koncie. Taka us艂uga u艂atwia przechowywanie, wysy艂anie i odbieranie 艣rodk贸w.

Designated accounts are generated to provide a named IBAN for receiving and sending out payments. You can apply for a designated IBAN tutaj 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.

W przypadku kont osobistych: 3-5 dni roboczych w zale偶no艣ci od aktualno艣ci dostarczonych dokument贸w i informacji.

W przypadku kont firmowych: 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.聽 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 tutaj.

Nie. 殴r贸d艂o funduszy odzwierciedla dochody firmy, natomiast 藕r贸d艂o maj膮tku wskazuje pochodzenie 艣rodk贸w przeznaczonych na za艂o偶enie firmy.

Jako licencjonowana instytucja pieni膮dza elektronicznego wymagamy od naszych klient贸w przej艣cia przez niezb臋dne kontrole zgodno艣ci, kt贸re obejmuj膮 ujawnienie niekt贸rych danych osobowych i dokument贸w. Gwarantuje to bezpieczny i efektywny proces wprowadzenia do systemu. Zapewniamy, 偶e powa偶nie traktujemy wykorzystanie i przechowywanie danych oraz dzia艂amy zgodnie z ustaw膮 o ochronie danych osobowych. Dlatego Twoje dane s膮 u nas bezpieczne.

Yes, the information you provide must be correct and up-to-date. Only then, we can conduct successful compliance and identity checks.

Op艂aty za konto zale偶膮 od kategorii cenowej, w kt贸rej si臋 znajdujesz. Mo偶esz sprawdzi膰 nasze ceny tutaj.

Ze wzgl臋du na polityk臋 wewn臋trzn膮 istniej膮 okre艣lone informacje, kt贸rych nie s膮 ujawniane klientom ani nie podlegaj膮 mo偶liwo艣ci zakwestionowania. Jedn膮 z takich informacji jest przyczyna odrzucenia wniosku o otwarcie konta. Je艣li mo偶liwe jest przeprowadzenie rejestracji od pocz膮tku, nasz zesp贸艂 poinformuje Ci臋 o tym.

There is no need to worry. Just contact [email protected] a my pomo偶emy Ci zmieni膰 dane.

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.

Konta

You can log into your account by pressing on the 鈥楽ign In鈥 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.

Saldo portfeli wielowalutowych oraz przybli偶one saldo w euro mo偶na sprawdzi膰 na stronie g艂贸wnej Twojego konta, klikaj膮c przycisk 鈥濻trona g艂贸wna鈥, a nast臋pnie 鈥濱nformacje鈥.

You can add sub-users for other company employees/ managers to use the account as well. For that to happen, you can go to 鈥楽ettings鈥 at the right top corner of the page and click 鈥楽ub Users鈥. 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.聽

Subkonto jest kontem alternatywnym oddzielonym od konta g艂贸wnego. Zazwyczaj dodatkowe konta s膮 wykorzystywane wy艂膮cznie w celu oddzielnego przechowywania 艣rodk贸w (oszcz臋dno艣ci, wynagrodze艅 itp.) oraz u艂atwienia ich rozr贸偶nienia. Aby dokona膰 p艂atno艣ci lub otrzyma膰 艣rodki mo偶na u偶y膰 dowolnego z subkont.

Mo偶esz je utworzy膰, przechodz膮c do obszaru 鈥濽stawienia鈥 w prawym g贸rnym rogu strony konta, klikaj膮c opcj臋 鈥濻ubkonto鈥 i sk艂adaj膮c wniosek informacyjny do dalszego zatwierdzenia.

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 鈥楽ettings鈥 at the top right corner of your account page and click 鈥楥hange password鈥. You can also click on the 鈥楩orgot Password鈥 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] z zarejestrowanego adresu e-mail, a my zajmiemy si臋 reszt膮.

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.

Najprawdopodobniej kilka razy wprowadzono niepoprawne dane uwierzytelniaj膮ce konta lub has艂a jednorazowe. Wy艣lij wiadomo艣膰 na adres [email protected] z zarejestrowanego adresu e-mail, a my odblokujemy konto.

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].

Tak, nale偶y wys艂a膰 wiadomo艣膰 na adres [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.

Wymiana walut i p艂atno艣ci

Tak, po aktywowaniu konta mo偶na sprzedawa膰 i kupowa膰 waluty obce.

Log into your account and click on 鈥淐onversions鈥. Then choose whether you鈥檙e 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 鈥淕et Quote鈥 and you鈥檒l have 30 seconds to decide whether you鈥檙e happy with the rates and fees predisposed by the system. Press 鈥橞uy鈥 to complete the conversion or 鈥機ancel & Back鈥 if you decide not to.

殴r贸d艂o do obserwacji kursu ma charakter globalny, dlatego dane s膮 aktualizowane zgodnie ofert膮 wolnorynkow膮 w danym momencie.

The outgoing and incoming* SWIFT payments are available in the following currencies:

G艂贸wne waluty:AUD, CAD, CHF, EUR, GBP, JPY, NOK, NZD, USD.

Waluty drugorz臋dne: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.

Waluty egzotyczne: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.

W przypadku zainteresowania otrzymywaniem przychodz膮cych transakcji SWIFT w kt贸rejkolwiek z wy偶ej wymienionych walut, skontaktuj si臋 z naszym zespo艂em pod adresem [email protected] z Twojego zarejestrowanego adresu e-mail z indywidualn膮 pro艣b膮, aby nasz zesp贸艂 m贸g艂 dostarczy膰 Ci spersonalizowane instrukcje.

Zobacz poni偶szy harmonogram:

SEPA wychodz膮ce

SEPA przychodz膮ce

8:50 - 9:30 AM EET

聽9:00 AM EET

9:30 鈥 12:00 PM EET

11:10 AM EET

12:00 鈥 14:30 PM EET

13:40 PM EET

14:30 - 16:25 PM EET

16:10 PM EET

Po godzinie 16:30 nast臋pnego dnia roboczego

16:55 PM EET

Nale偶y pami臋ta膰, 偶e dni robocze nie obejmuj膮 weekend贸w i 艣wi膮t pa艅stwowych na Litwie.. 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.聽聽

To initiate a transaction, click on the 鈥楶ay-Out鈥 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 鈥楬ome鈥 and 鈥楽tatements鈥 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.

Po zainicjowaniu transakcji jej przetworzenie mo偶e zaj膮膰 do 24 godzin. Po tym czasie czas realizacji przelewu zale偶y od stref czasowych i lokalnych godzin pracy bank贸w. P艂atno艣ci SEPA (w strefie UE) s膮 zazwyczaj odbierane w tym samym lub nast臋pnym dniu roboczym. Odbi贸r przelew贸w przez beneficjenta poza stref膮 UE i EOG (p艂atno艣ci SWIFT) mo偶e potrwa膰 do 3-5 dni roboczych.

Ze wzgl臋du na fakt, 偶e mo偶emy akceptowa膰 tylko p艂atno艣ci SEPA (chyba 偶e konto jest autoryzowane do otrzymywania przychodz膮cych transakcji SWIFT), 艣rodki s膮 zwykle uznawane w ci膮gu tego samego lub nast臋pnego dnia roboczego po ich przetworzeniu.

Aby uzyska膰 informacje na temat przychodz膮cych transakcji SWIFT, skontaktuj si臋 z naszym zespo艂em pod adresem [email protected] z Twojego zarejestrowanego adresu e-mail z indywidualn膮 pro艣b膮, aby nasz zesp贸艂 m贸g艂 dostarczy膰 Ci spersonalizowane instrukcje.

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.聽

Nie ma 偶adnych innych op艂at poza tymi, kt贸re przedstawiono w dostarczonym cenniku, kt贸re r贸wnie偶 b臋d膮 widoczne podczas inicjowania transakcji.

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.

Po zalogowaniu si臋 na konto zobaczysz sekcj臋 鈥濩entrum aktywno艣ci鈥 pod informacjami o saldzie. Tam mo偶esz nacisn膮膰 opcj臋 鈥濪odaj odbiorc臋鈥 i wype艂ni膰 dane osobowe i bankowe. Po wykonaniu tych czynno艣ci po prostu zapisz informacje, a odbiorca zostanie dodany.

Upewnij si臋, 偶e podane przez Ciebie dane s膮 poprawne, aby Twoje transakcje zako艅czy艂y si臋 pomy艣lnie.

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 鈥楽ettings鈥 at the right top corner of the page, click on 鈥楻ecipients鈥, 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 鈥淗ow do I cancel a transaction that I initiated?鈥.

If the transaction status states as 鈥楥ompleted鈥, 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鈥檚 bank. If the beneficiary鈥檚 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 鈥楻eports鈥, then 鈥楶ay-Outs鈥, selecting the required transaction, and clicking 鈥楥ancel鈥. 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 鈥淚f I sent a payment by mistake, can I recall it?鈥 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] a my dostarczymy Ci dow贸d wp艂aty. Je艣li p艂atno艣膰 nie zostanie zlokalizowana, zainicjujemy 艣ledzenie.

Je艣li otrzymany dow贸d wp艂aty nie pom贸g艂 w zlokalizowaniu 艣rodk贸w, skontaktuj si臋 z nami ponownie za po艣rednictwem wiadomo艣ci e-mail [email protected] a my rozpoczniemy dochodzenie z bankiem-beneficjentem.

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.

Opcja p艂atno艣ci zbiorczej to 艣wietne rozwi膮zanie, kt贸re umo偶liwia zainicjowanie wielu przelew贸w jednym klikni臋ciem. Wystarczy wype艂ni膰 formularz CSV i przes艂a膰 go do naszego systemu. W przypadku zainteresowania transakcj膮 zbiorcz膮 prosimy o kontakt [email protected] aby uzyska膰 potrzebny plik wraz z instrukcj膮.

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.

Unfortunately, we do not accept cash deposits.

Express payments are available only for outgoing SWIFT transactions. You can choose that option on the transaction initiation.