Help Desk Home
Help Index

FAQ Pages
General Questions
Joining PPPay.com
Sending Money
Requesting Money
XChanging Money
Withdrawing Money
Escrow Payments
Upgrading Accounts
Checkouts and CBS

Lost Your Password
Lost Password

Making Contact
Email PPPay.com
PPPay.com HelpDesk > FAQ > Sending e-money

Sending FAQs Read below for info on sending e-money to other users.

Questions
  1. Are there any restrictions ?
  2. How can I send e-money ?
  3. How much does it cost ?
  4. How long does it take to send e-money ?
  5. How much can I send ?
  6. Why do I need to do a verification card check ?
  7. What happens if the receiver does not pick up the e-money ?
  8. What happens if the receiver rejects the payment sent ?
  9. Can I cancel a payment that I have made?
  10. What if I send e-money for goods and I don't get the goods?
  11. I'm being told my card is already in use at PPPay.com.
  12. What happens of I have to report a problem?

Answers
1. Are there any restrictions?
You must have either a valid debit or credit card that receives its statements in either GBP/EUR OR a bank account in GBP/EUR that is accessible via online banking. If your card/bank account is not issued in one of the two currencies then you will not be able to use PPPay.com.
2. How can I send e-money ?
You can send e-money direct from your PPPay.com balance if funds are available or by purchasing e-money via your debit/credit card or bank account that has online banking facilities.
3. How much does it cost ?

GBP(£) Fee Table
All Cards Bank Account Account Balance
Send Free Free Free
Receive 3.3% + £0.20 3.2% + £0.10 3.1% + £0.00
PayPal™ Standard Rate Comparison 3.4% + £0.20 3.4% + £0.20 3.4% + £0.20
Withdraw Free
escrow £0.99



EUR(€) Fee Table
All Cards Bank Account Account Balance
Send Free Free
Receive 3.3% + €0.25 3.1% + €0.00
PayPal™ Standard Rate Comparison 3.4% + €0.35 3.4% + €0.35
Withdraw 1% (Min.€5)
escrow €1.59

If you are using your card for the first time at PPPay.com, a small security fee will also be debited to facilitate the security verification check.
4. How long does it take to send e-money ?
Instant payments are made instantly. Escrow payments are finished when the buyer has acknowledged receipt of the item.
5. How much can I send ?
See "Upgrade" FAQs above for limits.
6. Why do I need to do a verification card check ?
If you are sending money from a debit/credit card for the first time a small security fee will be added to the total amount.

By confirming the EXACT initial amount debited from your card (including the security amount added) we have further confirmation that you are who you say you are. Once verified you will be able to use your card again within PPPay.

A tiny minority of users (mainly in Eastern Europe) whose card issuer is not yet set up for Verified by Visa or Mastercard Securecode will need to verify their card before their initial payment can be accepted by the seller.

This is a simple procedure that can be accomplished by viewing your online statement or telephoning your card issuer and asking them to confirm the TOTAL amount debited (includes the security verification amount). Once you have this amount, log into your account and simply enter this amount into the box provided. This process protects the receiver from fraudulent card payments.

For more details click here

7. What happens if the receiver does not pick up the e-money ?
If the receiver does not accept the e-money funds after a number of days, you may wish to email the user inviting them to accept or decline the e-money payment. Declination by the receiver will credit the e-money back to your account.

If the sender was required to and has not completed the card security verification check that confirms that they are the rightful owner of the card within 30 days the transaction will be removed from the receiver's Pending section.

The sender does have the option to go into their PPPay.com login area and under the transaction status tab click on the link and cancel the e-money transaction if the e-money transaction was sent using the instant payment method and the user is not a registered PPPay.com member. Relevant funds will then be credited back to the sender's account.

8. What happens if the receiver rejects the payment sent ?
Funds will be returned to the senders PPPay.com account. The sender then has the option to leave the funds there and make instant payments or initiate a withdrawal of the available funds.

If you wish to withdraw funds you will need to click on the withdrawal tab.

If payment was made by a debit/credit card or by bank transfer the receiver fee incurred will be shifted to the sender if the receiver rejects the e-money payment.

9. Can I cancel a payment that I have made?

Please make sure you trust the person you are sending e-money to, as successful PPPay.com transactions cannot be cancelled.

If the person you are sending the e-money to is not yet a registered member you do have the option to cancel the e-money payment. Declination will credit the e-money back to your PPPay.com account.

10. What if I send e-money for goods and I don't get the goods?

Please make sure you trust the person you are sending e-money to, as successful PPPay.com transactions cannot be cancelled.

If you paid via an escrow payment, your e-money will not be released to the receiver until after the 24hr inspection period once the goods have been received by a known track and trace delivery service.

If your e-money was sent using PPPay.com instant payments we cannot get involved in any disputes between senders and receivers.

If you ever believe someone has acted criminally (deception, fraud or other) then we recommend you report it to the police and ask for their advice. If they want to speak to us then let us know and we will do all we can to co-operate.

As stated in our terms and conditions:

2.2 All payments made by you are final and not reversible once the receiver has received the payment sent by PPPay.com in accordance with your instructions. Where you dispute a transaction between you and another party, PPPay.com will not enter into any payment disputed by you and any other person other than to confirm that the payment was made in accordance with the instructions you gave to PPPay.com. PPPay.com cannot arrange for e-money to be given back to you where you believe the payment was made incorrectly by you.

3.4 PPPay.com cannot assist in disputes between counterparties. Users should contact the counterparties direct, or use other legal remedies against the receiver that may be available to you, if you cannot resolve your dispute informally. In case of suspected fraud, you should proceed via appropriate legal channels.

11. I'm being told my card is already in use within PPPay.com.

Once you enter a debit or credit card at PPPay.com it will be associated with the email address registered. Always remember your PPPay.com login email. If you come to use this card again at a later date under a different email it will be rejected.

Other cases are ... The user registers a card to their GBP account by mistake instead of their EUR account and while they are trying to send e-money via their EUR account they are told the card is already being used. The user is unable to see the card details under their EUR account because they are only visible via the GBP tab. Users should contact us directly to resolve this issue.

Another example is entering an errornous email address when using the checkout. For example, my email address is me@you.com .. I use the checkout to send e-money but enter my email address as me@yow.com . These are 2 totally different addresses. When you send the e-money via the checkout the e-money will be sent, but the emails you should receive detailing the payment and also your login details and email validation links won't reach you because you entered the wrong address. You then register via the Join button with your correct address to see what is going on, you login ok and can't see any reference to the payment you made. This is because the payment is registered to a totally different email address. Always double check the email address you are sending to and from.

12. What happens of I have to report a problem?

If you find there is a reason to report a problem then you can make use of the Resolution Centre.

At the bottom of each transaction details page is a link to report a problem. Click this and add details of the problem you are reporting. The other party in the transaction will be notified of the new case being opened.

You and the other party are then able to communicate between each other using this system to find a resoltution to the problem.


© PPPay Ltd - All rights reserved.
PPPay Ltd is registered as a Small Electronic Money Issuer (no.900041) by the Financial Conduct Authority.
Contact Address : 303 Wey House, 15 Church Street, Weybridge, KT13 8NA, Surrey, UK