Questions and answers

Why PaySend

PaySend is Simple

PaySend made international money transfers as simple as ordering a taxi or a pizza through an app. With PaySend you can transfer money from your card to another card in more than 70 countries 24/7. All your need to know is the recipient’s name and a 16-digit card number. Take a minute to register through our website or a mobile app, add your card as a source of funds and started sending money around the globe in an instant – all in a few clicks. We help you save time and money by beating the queues in the banks and getting the best rates possible. Your receivers can withdraw cash from millions of ATMs worldwide or pay by card at any merchant accepting Visa or MasterCard.

PaySend is Low-cost

Say goodbye to high fees, commissions or hidden charges. Our low fees are always fixed regardless of the amount sent. We charge only £1 for transfers from the UK, €1.5 from Eurozone and $2 from the USA (for the full country list click here). Your receiver’s card is credited in local currency and you will always know the exchange rate upfront. We will display both the sending and the receiving amount at the time of making a transfer, so you can make an informed decision. Our rates are as close as possible to the mid-market exchange rate – giving you more and saving your hard-earned money.

PaySend is Fast

Thanks to our partnership with Visa, MasterCard and UnionPay we can deliver your transfers faster. Our own state-of-the-art processing center is connected to the global banking network, so we can track all transactions and keep you informed on the status of every transfer. We would debit your card instantly and credit your recipient’s card depending on the processing capabilities of the issuing bank in the destination country.

*In most of the cases the transfer arrives in a few minutes while for some countries it can take up to 3 days depending on a local bank.

PaySend is Secure

As a regulated financial institution, we do everything possible to make the process of sending and receiving money as secure as possible. Your card data, personal information and transactions history are totally safe. PaySend Plc. is licensed in the UK and is regulated by FCA (Financial Conduct Authority). We are also certified by Visa and MasterCard and all transactions and customer data is protected in line with the highest PCI DSS standard. We are using an industry-wide 3D-Secure and our own anti-fraud and card verification technology to keep you safe at all times.

About PaySend

What is PaySend

PaySend is the next generation money transfer platform allowing to send funds directly to any Visa, MasterCard and UnionPay cards in 70+ countries. It’s a fast, easy and secure way to send money to your loved ones at a fixed low price.

You can make a transfer 24/7 either from a laptop, tablet or through our mobile app in your smartphone.

We deliver your money in local currency using real exchange rate without any hidden fees or additional charges.

Supported Countries

PaySend operates in over 70 countries worldwide and we are constantly working on expanding our global footprint. Currently 49 countries available for sending and 70 for receiving money:

  • Albania

    We can deliver EUR to any card accounts in Albania.

    We can also send EUR from Albania and deliver in local currency to over 70 countries.

  • Andorra

    We can deliver EUR to any card accounts in Andorra.

    We can also send EUR from Andorra and deliver in local currency to over 70 countries.

  • Armenia

    We can deliver USD and AMD to any card accounts in Armenia.

  • Austria

    We can deliver EUR to any card accounts in Austria.

    We can deliver EUR to any card accounts in Austria. We can also send EUR from Austria and deliver in local currency to over 70 countries.

  • Australia

    We can send AUD from Australia and deliver in local currency to over 70 countries

  • Azerbaijan

    We can deliver USD and AZN to any card accounts in Azerbaijan.

  • Bangladesh

    We can deliver BDT to any card accounts in Bangladesh.

  • Belarus

    We can deliver BYN to any card accounts in Belarus .

  • Belgium

    We can deliver EUR to any card accounts in Belgium.

    We can also send EUR from Belgium and deliver in local currency to over 70 countries.

  • Bosnia and Herzegovina

    We can deliver EUR to any card accounts in Bosnia and Herzegovina.

    We can also send EUR from Bosnia and Herzegovina and deliver in local currency to over 70 countries.

  • Bulgaria

    We can deliver EUR to any card accounts in Bulgaria.

    We can aslo send EUR from Bulgaria and deliver in local currency to over 70 countries.

  • Canada

    We can send CAD from Canada and deliver in local currency to over 70 countries.

  • China

    We can deliver CNY to UnionPay, Visa or MasterCard card accounts in China to the following banks:

    • Debit and Credit cards of Industrial and Commercial Bank of China Limited

    • Debit and Credit cards of Bank of China

    • Debit cards of China Construction Bank

    • Debit cards of Bank of Communications

    • Debit cards of China Everbright Bank

    • Debit cards of Hua Xia Bank

    • Credit cards of Bank of Shanghai

    • Debit cards of Linshang Bank

    • Debit cards of Hunan Rural Credit Cooperative

    • Debit cards of Qinghai Rural Credit Cooperative

    • Debit cards of Guangdong Rural Credit Cooperative

    • Debit cards of Henan Rural Credit Cooperative.

  • Croatia

    We can deliver EUR to any card accounts in Croatia.

    We can also send EUR from Croatia and deliver in local currency to over 70 countries.

  • Cyprus

    We can deliver EUR to any card accounts in Cyprus.

    We can also send EUR from Cyprus and deliver in local currency to over 70 countries.

  • Czech Republic

    We can deliver deliver EUR and CZK to any card accounts in Czech Republic.

    We can also send CZK from Czech Republic and deliver in local currency to over 70 countries.

  • Denmark

    We can deliver EUR to any card accounts in Denmark.

    We can also send DKK from Denmark and deliver in local currency to over 70 countries.

  • Egypt

    We can deliver EGP to any card accounts in Egypt.

  • Estonia

    We can deliver EUR to any card accounts in Estonia.

    We can also send EUR from Estonia and deliver in local currency to over 70 countries.

  • Finland

    We can deliver EUR to any card accounts in Finland.

    We can also send EUR from Finland and deliver in local currency to over 70 countries.

  • France

    We can deliver EUR to any card accounts in France.

    We can also send EUR from France and deliver in local currency to over 70 countries.

  • Georgia

    We can deliver USD and GEL to any card accounts in Georgia.

  • Germany

    We can deliver EUR to any card accounts in Germany.

    We can also send EUR from Germany and deliver in local currency to over 70 countries.

  • Greece

    We can deliver EUR to any card accounts in Greece.

    We can also send EUR from Greece and deliver in local currency to over 70 countries.

  • Hungary

    We can deliver deliver EUR and HUF to any card accounts in Hungary.

    We can also send EUR from Hungary and deliver in local currency to over 70 countries.

  • Iceland

    We can deliver EUR to any card accounts in Iceland.

    We can also send EUR from Iceland and deliver in local currency to over 70 countries.

  • India

    We can deliver INR to any Debit card account in India.

    We can also send INR from India and deliver in local currency to over 70 countries.

  • Indonesia

    We can deliver USD to any card accounts in Indonesia.

  • Ireland

    We can deliver EUR to any card accounts in Ireland.

    We can also send EUR from Ireland and deliver in local currency to over 70 countries.

  • Israel

    We can send ILS from Israel and deliver in local currency to over 70 countries.

  • Italy

    We can deliver EUR to any card accounts in Italy.

    We can also send EUR from Italy and deliver in local currency to over 70 countries.

  • Kazakhstan

    We can deliver KZT to any card accounts in Kazakhstan.

    We can deliver KZT to personal bank accounts in Kazakhstan.

    We can also send KZT from Kazakhstan cards and deliver in local currency to over 70 countries.

  • Kyrgyzstan

    We can deliver KGS to any card accounts in Kyrgyzstan.

  • Latvia

    We can deliver EUR to any card accounts in Latvia.

    We can also send EUR from Latvia and deliver in local currency to over 70 countries.

  • Lithuania

    We can deliver EUR to any card accounts in Lithuania.

    We can also send EUR from Lithuania and deliver in local currency to over 70 countries.

  • Luxembourg

    We can deliver EUR to any card accounts in Luxembourg.

    We can also send EUR from Luxembourg and deliver in local currency to over 70 countries.

  • Macedonia

    We can deliver EUR to any card accounts in Macedonia.

    We can also send EUR from Macedonia and deliver in local currency to over 70 countries.

  • Malaysia

    We can deliver USD to any card account holders in Malaysia.

  • Malta

    We can deliver EUR to any card accounts in Malta.

    We can also send EUR from Malta and deliver in local currency to over 70 countries.

  • Mexico

    We can deliver MXN to any Debit card account in Mexico.

    We can deliver MXN to CLABE accounts in Mexico.

    We can also send USD from Mexico and deliver in local currency to over 70 countries.

  • Moldova

    We can deliver MDL to any card accounts in Moldova.

  • Montenegro

    We can deliver EUR to any card accounts in Montenegro.

    We can also send EUR from Montenegro and deliver in local currency to over 70 countries.

  • Netherlands

    We can deliver EUR to any card accounts in the Netherlands.

    We can also send EUR from the Netherlands and deliver in local currency to over 70 countries.

  • Nigeria

    We can deliver NGN to Debit card accounts in Nigeria.

    We also can deliver NGN to personal bank accounts in Nigeria.

  • Norway

    We can deliver EUR to any card accounts in Norway.

    We can also send NOK from the Norway and deliver in local currency to over 70 countries.

  • Philippines

    We can deliver USD and PHP to any card accounts in the Philippines.

  • Poland

    We can deliver deliver EUR and PLN to any card accounts in Poland.

    We can also send PLN from Poland and deliver in local currency to over 70 countries.

  • Portugal

    We can deliver EUR to any card accounts in Portugal.

    We can also send EUR from Portugal and deliver in local currency to over 70 countries.

  • Romania

    We can deliver deliver EUR and RON to any card accounts in Romania.

    We can also send EUR from Romania and deliver in local currency to over 70 countries.

  • Russia

    We can deliver RUB to any card accounts in Russia.

    We can deliver RUB to personal bank accounts in Russia.

    We can also send RUB from Russia and deliver in local currency to over 70 countries.

  • San Marino

    We can deliver EUR to any card accounts in San Marino.

    We can also send EUR from San Marino and deliver in local currency to over 70 countries.

  • Senegal

    We can deliver XOF to any card accounts in Senegal.

  • Serbia

    We can deliver deliver EUR and RSD to any card accounts in Serbia.

    We can also send EUR from Serbia and deliver in local currency to over 70 countries.

  • Singapore

    We can deliver USD to any card account holders in Singapore.

  • Slovakia

    We can deliver EUR to any card accounts in Slovakia.

    We can also send EUR from Slovakia and deliver in local currency to over 70 countries.

  • Slovenia

    We can deliver EUR to any card accounts in Slovenia.

    We can also send EUR from Slovenia and deliver in local currency to over 70 countries.

  • Spain

    We can deliver EUR to any card accounts in Spain.

    We can also send EUR from Spain and deliver in local currency to over 70 countries.

  • Sweden

    We can deliver EUR to any card accounts in Sweden.

    We can also send SEK from Sweden and deliver in local currency to over 70 countries.

  • Switzerland

    We can deliver EUR to any card accounts in Switzerland.

    We can also send CHF from Switzerland and deliver in local currency to over 70 countries.

  • Tajikistan

    We can deliver TJS to any card accounts in Tajikistan.

  • Thailand

    We can deliver USD and THB to any card accounts in Thailand.

  • Turkey

    We can deliver USD and TRY to any card accounts in Turkey.

    We also can send TRY from Turkey and deliver in local currency to over 70 countries.

  • Ukraine

    We can deliver UAH to any card accounts in Ukraine.

  • UAE

    We can send AED from UAE and deliver in local currency to over 70 countries.

  • United Kingdom

    We can deliver GBP to any card accounts in the United Kingdom.

    We can also send GBP from the United Kingdom and deliver in local currency to over 70 countries.

  • Vietnam

    We can deliver VND to any card accounts in Vietnam.

How is to make a transfer

PaySend makes sending money to your friends and family super easy.

• Select an amount you wish to send and a country you’d like to send money to in the calculator on the front page
• If you are happy with the exchange rate click on “Get Started”
• Enter your mobile number and chose a password
• Confirm the amount and a destination country
• Enter the recipient’s 16-digit card number
• Add your card details
• Click “Confirm”
• That’s it! Your money is on its way

Safe and Secure

How do you know if PaySend is safe and secure?

We are the Financial Services company registered in the United Kingdom.

PaySend is authorized and regulated by:

• FCA – United Kingdom Financial Conduct Authority, no. 900004
• VISA and MASTERCARD - PCI DSS certified
• CBOF - Central Bank of Russia, no. 3324-P
• ACB Asia Credit Bank, official partner
• All 3D secure card transfers are authorized via your bank using a security code or online password
• All website ports and access points are encrypted to military / enterprise SSL level

Identification verification

Providing your ID or supporting documents is easy:

• Simply email your National ID and/or your Proof of address to kyc@PaySend.com
• You can also upload your documents here: PaySend.com/auth/main.action

Confirming your identity only takes a few minutes and we accept the following documents:

Confirm your personal details - One of the following:

• Passport
• National ID card (EEA or other)
• Driving license
• Residence permit or travel document

Proof of address - One of the following:

• Household utility bill (less than three months old)
• Driving license with a current address (if not used as proof of ID)
• Bank, building society or credit card statement (less than three months old)
• Tax/inland revenue correspondence
• Proof of property ownership or a lease agreement
• Pension or Benefits document confirming your current address

Once PaySend receives and validates your identification documents we will upgrade your account with new sending limits.

We normally validate these documents within a few hours. Once validated any pending transfers will be processed as usual.

Requirements for scanned documents:

• color image
• image format - jpeg
• image resolution of at least 300 dpi

Requirements for photo documents:

• color image
• image format - jpeg
• image resolution not less than 1024 * 768

Please do not edit or alter images before sending.

This will ensure a fast processing of your request/documents by our Customer Support team.

Mobile Apps

You can use our mobile apps to send money on the go.

Simply download them either from App Store or Google Play depending on your smartphone model.

Sending money from phone or tablet requires access to certain data, for example:

• Contacts (so you can send money to your contacts)
• Text Messages/SMS (so you can add a reference or comments to your money transfer)
• Photos (this allows a fast-track verification by uploading National IDs and taking screenshots of the technical issues and upload them via the app)
• PaySend mobile apps do not upload or access any personal information without your direct permission

Delivery time

Transfers in PaySend system are processed instantly using our faster transfers network. However it may take some of the receiving banks up to 72 hours to credit customers’ accounts.

Please ask your recipient to confirm with their bank how much does it take for them to credit your recipient’s account.

Transfer Status

Login via desktop or a mobile app and select ‘History’. Your transfer status is marked by a Green check box or a Red X box. Green means ‘successful transfer’ and Red means ‘failed transfer’. It may take from 1 to up to 15 minutes for your transfer status to be displayed on your account dashboard.

Getting started

Sign up and log in

SIGN UP

• Select “Sign up”
• Enter your Mobile number, Password and Captcha code and click Next
• Depending on your country, and due to local legislation requirements, you will be asked to provide some Personal Information. Enter your Personal Details and click Submit
• Enter the 5-digit security code sent via SMS to your mobile device

That’s it! You have successfully registered your account.

LOGGING IN

• Select “Log In”
• Enter your mobile number and Password
• Enter the 5-digit security code sent via SMS to your mobile device

That’s it! You have successfully Logged In to your account.

Your first transfer

• Select “Send”
• Choose country you want to send money to. In some countries, you can select multiple receiving currencies, select the receiving currency
• Enter the amount you wish to send or specific amount for the recipient to receive
• Depending on the chosen sending and receiving country we may ask to fill in the additional fields. That is a requirement of local legislation and/or local provider.
• Enter recipient’s card details and select ‘Next’

Top Tip: Using the camera icon to take a picture of the front of the card auto uploads the cards details, time saver!

• Enter your card details and select ‘Next’

Top Tip: Use the camera icon!

• Enter your cards CVV/CVC code and select ‘Next’
• Registration procedure may vary depending on our country, it can be either:

a) 5-digit security code sent through a test transaction which will appear in your pending transactions list on your card statement, or
b) 5-digit security code sent via SMS

Please, enter the code into the relevant field

• Input transaction description
• Add a personal message to the transfer if you want!
• Select ‘Confirm’

That’s it! You have successfully made your first money transfer with PaySend.

Send through the App

All PaySend capabilities are also available with our iOS or Android apps. When you download the app and register, you will need to go through the process of confirming the SMS code, then entering your own password to access the application, or using verification via Touch ID or Face ID (the availability of the service depends on the operating system and phone model). Sending money from your phone or tablet requires access to the following:

• Contacts, Private messages, SMS (a value-added service to send a personal note to the recipient)
• Photo album (allows customers to download identification documents, send screenshots when technical errors occur)
• The PaySend application does not download or receive any of your personal data without your explicit permission

Transfers

Transfers to card account

• Select “Send”
• Choose country you want to send money to. In some countries, you can select multiple receiving currencies, select the receiving currency
• Enter the amount you wish to send or specific amount for the recipient to receive
• Depending on the chosen sending and receiving country we may ask to fill in the additional fields. That is a requirement of local legislation and/or local provider.
• Enter recipient’s card details and select ‘Next’

Top Tip: Using the camera icon to take a picture of the front of the card auto uploads the cards details, time saver!

• Enter your card details and select ‘Next’

Top Tip: Use the camera icon!

• Enter your cards CVV/CVC code and select ‘Next’
• Registration procedure may vary depending on our country, it can be either:

a) 5-digit security code sent through a test transaction which will appear in your pending transactions list on your card statement, or
b) 5-digit security code sent via SMS

Please, enter the code into the relevant field

• Input transaction description
• Add a personal message to the transfer if you want!
• Select ‘Confirm’

That’s it! You have successfully made your first money transfer with PaySend.

Transfers to bank account

For some destinations Transfers to a regular bank account are available. Click on a tab “Transfer to account” in Recipient details section. Depending on a chosen Destination country you will be asked to enter an additional information for the Recipient. That is required by local legislation and regulatory rules. The process of completing a transaction is similar to Transfer to card account procedure.

Card verification code

We want to keep your personal information and your money safe. So this is why we have introduced an additional security step where we ask you to enter a verification code when you link your card to your Paysend account. Once you’ve done so, we will ask you to verify your card. You can do so by entering a unique verification code.

Please follow these steps to find and enter your code:

• Log into your online banking either from desktop, tablet or mobile phone.
• Check your recent or pending transactions tab.
• PaySend will charge your card for a small amount. This amount will not be debited from your card. It is used for verification purposes only.
• The charge appears on your card statement in the pending transactions list with a 5-digit code and the word PaySend in the Merchant name (PaySend XXXXXCode).
• Take a note of 5 digits in the middle of it – this is your verification code.
• You will be required to enter these numbers in your PaySend account to complete verification process.
• Once you enter this code your card will be linked to your PaySend account and you can make your first transfer.
• This is a one-time process, you will NOT be required to repeat it unless you decide to add another card to your PaySend account.
• If you dont have an immediate access to your online banking or your card statement, you can check for the code during the next 48 hours.

Transfer limits

Being a financial institution PaySend complies with all applicable local anti money-laundering regulation. Based on this you can send up to £800, €1,000 or $1,000 per year without providing any additional documentation. These limits can be increased upon submission of the required documents including (but not limited to) a proof of ID and a proof of address. You can apply to increase your limits through your online account with us by submitting your documents in the required format to our Customer Support service for review. Once your documents have been approved you can start sending larger amounts.

Fees

PaySend always charges a fixed fee per international transaction regardless of the amount sent. Please see the list of fees per sending country below:

Australia – 2 AUD
Canada – 3 CAD
European Union - €1.50
India – 99 INR
Israel – 9 ILS
Kazakstan – 199 KZT
Mexico – 2 USD
Russian Federation – 49 RUB
Turkey - 9 TRY
United Arab Emirates – 9 AED
United Kingdom - £1
United States of America - $2

*PaySend fees do not include any charges applied by your bank. Please, check your banks fees prior to completing any transaction.

Exchange rate

Your recipient’s card will be credited in a local currency of the destination country. PaySend displays the applicable exchange rate before you make a transaction. We use a mid-market exchange rate cutting out all intermediaries and providing the best possible value for our customers. Rates are changing on a daily basis or a few times during a day depending on the volatility of the currency exchange markets. However, you will see the amount you are sending and the exact amount your recipient will receive before making a transaction. This rate stays fixed after your complete your transaction to guarantee that your recipient will received the exact amount promised.

Transfer status

Login via desktop, mobile or app, then select ‘History’. Your transfer status is marked by a Green tick box or a Red X box. Green means a ‘successful transfer’ and Red means a ‘failed transfer’. It may take from 1 to up to 15 minutes for your transfer status to be displayed on your account dashboard.

Transaction history

Transaction history section displays the list of your recent transactions and allows you to search for a specific transaction by name or sort past transaction by delivery status or date. Click on any transaction to claim a transaction receipt, rename it or save a PDF version of the receipt. You can also click on Repeat to repeat a transaction by sending it to the same recipient.

Repeat transfer

• Select your transaction and choose “Repeat”
• Enter the amount and confirm the details
• Choose a linked card and enter its CVV/CVC code or enter details of a new card
• Choose “Next”
• You can also send a personal message. Simply add it in the corresponding field

That’s it! You have successfully repeated a money transfer.

Cancellation & refund

All successfully completed transactions are final and can not be reversed. PaySend can not provide any refunds as once you complete a transaction you provide instructions to your card issuing bank to debit your account for a given amount. If you have a complaint or think that your transaction has been sent in error please contact our Сustomer support center.

How to use a promocode?

Dear customer, if you received a promocode, you can use it to make a free-of-charge international transfer in PaySend. To do please, use the following instruction:

• Log in to your account via paysend.com or through a mobile application;
• Enter the destination and either amount "to send" or amount "to receive";
• Tick the "use a promocode" box;
• Enter the promocode in the field that appears at the bottom and click the "Add" button;
• Your transfer fee is now reset to zero;
• Follow the instructions of the application to complete the transfer;
• You can track the use of your promocode in your transaction history;
• In case the transaction was unsuccessful you can re-use your promocode later

*Promocode only applies to international transfers

**Use PaySend promocode now!

Money Request

What is "Money Request" service?

You can now request money from another person by simply entering his/her mobile phone number.

This person will receive your request and after registering with PaySend will send you requested amount.

Money transfer services have never been so easy to use!

How to make Money Request ?

• Log in to your account
• Choose “Request” in the top menu
• In the first section “Request from” fill in a phone number of a person to whom you would like to send request to.

Please note that you can make a request only from a country that Paysend is currently supporting.

• Please fill in “Request details” – amount, optional message (request purpose) and request expiry date (it will be valid up to 30 days)
• Now you need to choose how you would like to receive the money.

In the Section “Receive to” you can enter details of your card. After a successful payment these card details will be saved for future requests.

Please note that you can add only one card at a time, so in case you want to add a new card the old one will be deleted
• If you finished click “Next” button
• On the next screen you can review your request details and confirm by pressing “I agree” button
• You will see confirmation message below the top menu
• Now you can see a request in your transaction history. You can also review or cancel it.
• After being paid the request is shown in your Transaction history

How to respond to Money Request

I have received Money Request. What should I do now?

You are here because someone sent you Money Request through PaySend. If you are not a PaySend customer yet please sign up.

If you already have an account with PaySend please log in.

When you log in to account you will see a pop-up message on the top of the screen “You have received a money request”. Another way to see a request is to go to the main screen with your Transactions history. All available requests will be shown on the top of it. If you want to respond to this request, i.e. to send money, click on it.

It will open and you will see all the related details: amount, currency, who has sent it, purpose of this request and its expiry date.

If you want to pay this request – just click on the button “Send Money” and follow the instructions. You will need to add your card or use a previously used card so we can process your transfer. Please, note the process is safe and secure.

Your account

Add a card

• Log In and Select ‘Send’
• Scroll down to ‘Sender Details’
• On the right-hand side of the page select ‘Add New Card’ and enter your card details

That’s it! After the first successful transfer you card will be linked to your account .

Edit profile

Due to the local legal and anti-money laundering requirements it is not possible to change your profile details once you’ve created your account with PaySend. Your personal details provided at the time of registration are final and can not be edited. In case your personal details have changed or were provided incorrectly you can always reach out to our Customer Support service.

Change password

• Log in to your account
• Choose “Settings” in the Main menu
• Change your password

Increase limits, provide ID

If you are an existing PaySend customer, you can check your current transaction limits by logging into your account. Your current limits are displayed at the top of the page. You can increase your limit by providing your ID/other supporting documents to our Customer Support service.

• Log in to your account
• Click the button “Increase your transfer limit”
• Follow the instruction to submit additional documentation.

If you have any questions with regards to increasing your transaction limits you can always reach out to our Customer Support center.

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