1.1 Please read these Terms and Conditions carefully as they govern the contractual relationship between you and us relating to your use of the Paykasa e-voucher payment system.
1.2 Your Paykasa e-voucher [e-voucher] is operated by Zapiro Trading Limited (Company No. HE 339280) with its registered office at JOC Business Centre, 124 Arch. Makarios III, 7550, Kiti, Larnaca, Cyprus [‘Paykasa’, ‘we’ or ‘us’], and is issued by CFS- Zipp Limited (Company No. 03925386) with its registered office at 790 Uxbridge Road, Hayes, Middlesex, England, UB4 0RS, United Kingdom. [‘Zipp’].
1.3 Zipp is authorised and regulated by the Financial Conduct Authority of the United Kingdom as an electronic money institution with an e- money license (Registration No. 900027).
1.4 You must be at least eighteen (18) years of age to obtain and use an e-voucher.
1.5 By purchasing or using an e-voucher you are agreeing to be bound by these Terms and Conditions.
1.6 The official language for these Terms and Conditions is English. Only these Terms and Conditions version shall have any legal effect for contractual, compliance or enforcement purposes.
1.7 Paykasa and Zipp reserves the right to alter these terms and conditions from time to time by posting a two month notice of any changes on the website https://www.paykasa.com/terms . Any changes will take effect 2 months after the date of posting on the website, and shall apply to your use of the e-voucher payment service after that 2 month period. Continued use of the e-voucher will be considered as your acceptance and agreement of these changes.
1.8 The e-voucher payment system enables you to make payments without the need for bank accounts or credit or debit cards, through the use of individually encoded and encrypted e-voucher codes issued in exchange for cash or other cleared funds. Each e-voucher is allocated its own unique code. [Code].
1.9 A business or other organization that has been approved by to accept e-voucher Codes in payment, that has integrated acceptance of e-voucher Codes into its payment processing system and that operates under the e-voucher scheme rules is a participating merchant [Participating Merchant].
1.10 e-vouchers may be marketed under various trade names but will always be recognized by a statement on the voucher identifying Zipp as the issuer of record of the e-vouchers.
1.11 You can obtain a copy of these Terms and Conditions at the time and place of purchase of an e-voucher. You can download a copy of these Terms and Conditions at any time from the Website https://www.paykasa.com/terms
1.12 e-vouchers Codes do not generate interest on their value.
Acceptance of terms and conditions
2.1 By becoming the holder of an e-voucher [‘Holder’, ‘you’] you agree to be bound by the terms and conditions set out in this Agreement in relation to any use of your e-voucher Code.
2.2 You become a Holder of an e-voucher Code by:
2.2.1 Obtaining a e-voucher Code from a Business Partner contracted to provide e-voucher Codes; or
2.2.2 Being gifted a e-voucher Code and being in receipt of proof of purchase including the original voucher receipt; or
2.2.3 Submitting an e-voucher code and corresponding amount to a Participating Merchant in payment.
2.3 You cease to be a Holder of an e-voucher Code when:
2.3.1 You submit the Code and amount to a Participating Merchant for payment authorization and the e-voucher is validated; or
2.3.2 Some other person becomes a Holder of that Code and is identified as such.
2.4 This Agreement terminates automatically:
2.4.1 When you cease to be a Holder; or
2.4.2 When the validity period of the e-voucher Code ends.
This will not affect your refund rights as detailed below.
2.5 We reserve the right to refuse to validate an e-voucher Code if we have reason to suspect that a breach of any applicable law or regulation has occurred or is likely to occur.
2.6 You agree that you will not use the e-voucher payments system for any illegal purpose. If the e-voucher is used in a way that is not in conformity with these Terms and Conditions, you will be held fully liable and you agree to hold us and Zipp, safe and harmless from any consequences of such unauthorised use or misuse.
2.7 You agree that you will keep proof of purchase of the e-voucher Code including the original voucher receipt and that this proof of purchase may be requested by us and/or Zipp to establish that you are the Holder of the e-voucher Code as defined in 2.2.
Buying an e-voucher
3.1 e-vouchers are commercialised by companies contracted and accepted by Paykasa as business partners [Business Partners].
3.2 Business Partners may use retailers and other distributors to sell e-voucher Codes. [Retailers].
3.3 Neither we or Zipp shall be liable for the validity of any Codes originating from any person or entity that is not a Business Partner or for any losses or damages resulting from the supply of Codes from any such persons or entities (whether such Code is provided directly or indirectly to you).
3.4 Subject to local legal and regulatory limitations as amended from time to time and these Terms and Conditions e-vouchers are available in the following fixed denominations: €5, €10, €20, €50, €100 and €150.
3.5 You can purchase an e-voucher only from a Retailer upon payment by you of the value printed on the e-voucher [Value].
3.6 Subject to local legal and regulatory limitations as amended from time to time, these Terms and Conditions and the level of identification you have given pursuant to 9 below, you may obtain up to 10 e-voucher Codes in any one day, and may hold up to a total of 1500 EUR of e-voucher Codes at any time.
3.7 When you purchase an e-voucher, the Retailer will hand over to you a paper voucher showing amongst other information your Code. You will need to use the Code to make a payment to a Participating Merchant.
3.8 If you find that your e-voucher is defective, you should inform us immediately, by email email@example.com . If it is not possible to remedy the defect, we will provide you with an e-voucher. You agree to provide us with the relevant receipt(s) and information regarding the purchase of the defective e-voucher so we may investigate fully.
3.9 The commercial resale of e-vouchers is strictly prohibited by parties that are not Retailers.
e-voucher Redemption by us.
4.1 Each e-voucher Code provided will be valid for one year from the Issue Date indicated on the voucher. [Expiration Date]. The Issue Date is the date on which the e-voucher is provided in its customary active state and can be used to make a payment as described in 5 below.
4.2 If you do not submit details of your e-voucher Code to a Participating Merchant prior to the Expiration Date, you authorize us to automatically redeem your voucher on your behalf. Consequently, if you submit your e-voucher Code after the Expiration Date, the Voucher Code shall no longer be usable to make a payment transaction and we shall have no obligation to validate it for payment. However, this will not affect your right to claim a refund of the e-voucher automatically redeemed on your behalf at the Expiration Date in accordance with 8 below.