FAQ's

If you are unsure about anything regarding payzone Worldwide Money and our services, please select one of the topics below:

INTRODUCING PAYZONE WORLDWIDE MONEY

1.1. What is payzone worldwide money?
1.2. How can I register for payzone worldwide money and how long will take?
1.3. How can I share money using payzone worldwide money?
1.4. How much will it cost me to share money?
1.5. Are there any additional charges?
1.6. Where is my nearest payzone worldwide money agent?

USING PAYZONE WORLDWIDE MONEY SERVICE

2.1. Your payzone worldwide money Card Pack.
2.2. Your payzone worldwide money MasterCard®
2.3. What is the PIN code for the MasterCard®?
2.4. Do I need to pay for the payzone worldwide money cards?
2.5. What if I have no bank account or have no/bad credit history?
2.6. Is there anything special to consider when using my payzone worldwide money prepaid MasterCard® card?

LOADING MONEY

3.1. How do I load money onto my card?
3.2. What do I need to bring with me when I want to load money?
3.3. Will I need to fill in a form or show ID to load money?
3.4. How can I ensure that the transfer has gone through?
3.5. How can I find my account balance and transaction history?
3.6. Can I cancel the transaction?
3.7. What is the maximum load value at any one time?
3.8. What is the limit on the amount of times I can reload?
3.9. Can I load my card online?

SPENDING MONEY

4.1. How can I use the payzone worldwide money MasterCard®?
4.2. How much money can be withdrawn at ATMs?
4.3. Which ATMs can I use and how can I find them?
4.4. Are there fees for using the MasterCard in-stores or online?
4.5. How much is the exchange rate?

OTHER CARD ISSUES

5.1. What happens if my cards are lost/stolen/retained by ATM?
5.2. What happens if my PIN code is lost or forgotten?
5.3. How do I get a replacement Loading Card?
5.4. When will the Loading Card and MasterCard® expire?
5.5. How do I replace my expired cards?
5.6. How do I withdraw my money if my cards expired?
5.7. Do I need to activate my cards?
5.8. How soon is the money available on the card?
5.9. How many payzone worldwide money cards can I have?
5.10. Can I register additional MasterCards for my Loading Card?
5.11. Is there a minimum age limit for registration?
5.12. How long are the Loading and MasterCard® cards valid for?
5.13. What countries can I send money to?
5.14. What should I do if my registration details change?
5.15. Is there a limit on the total amount withdrawn from card?
5.16. There are transactions on my account statements that I have not done-what can I do?
5.17. How do I block my card if lost or stolen?

MISCELLANEOUS

6.1. Customer Helpdesk.
6.2. What is the billing address I should use for online purchases?
6.3. How can I close the account?
6.4. How can I obtain remaining founds if I close my account?
6.5. Where can I notarise my passport copy?
6.6. What is CVV2/CVC2 Code?

CORPORATE INFORMATION

7.1. What is payzone worldwide money?
7.2. What is alphyra Group Ltd.?
7.3. What is Payzone™?
7.4. What is Banque Invik?

1. INTRODUCING PAYZONE WORLDWIDE MONEY

1.1 What is payzone worldwide money?

payzone worldwide money is the ultimate prepaid payment card. It can be used to share money with your friends or relatives, as a travel card or as a tool to manage your spending. With payzone worldwide money you can load money regularly onto your payzone worldwide money MasterCard® which can then be used anywhere in the world. For example, you can share your MasterCard® with your friends or relatives and they can use it to immediately spend cash you have loaded onto the card. They can use the card to pay for their purchases in stores, or online, or withdraw cash at one of 24 million ATMs worldwide displaying a MasterCard® logo.

To load your MasterCard® you just go to your nearest Payzone™ agent with your Loading Card and simply load your money instantly onto the MasterCard®. There are no credit checks and no banking history is required; in fact you don't have to provide any documents to obtain a card pack. All you need to do is visit one of our selected Payzone™ agents. You can load your money there and then. You can also get your card pack at our website by completing a simple registration form.

Welcome to payzone worldwide money.

1.2 How can I register for payzone worldwide money and how long will take?

You can obtain your payzone worldwide money cards:
• from selected Payzone™ agents - locate your nearest distribution agent by visiting http://www.payzonemoney.com; or
• by registering online - simply go to http://www.payzonemoney.com and click on the register button.
To obtain your payzone worldwide money card pack from one of our agents, simply ask the agent for our card pack. No registration, ID or any documents are required. The agent will load your card with your chosen amount. At this stage you will be able to load up to £350 straightaway. To load any further funds you will need to register.
To register online, you just need to fill in the registration form which only takes a few minutes. You can find the registration form on our website (www.payzonemoney.com). You do not need to send any documents; you just need to provide us with basic information such as your name, address and passport or ID number. By registering online you will be able to load up to £1,700 onto your payzone worldwide money prepaid MasterCard®. If you have not obtained a card pack from a Payzone™ agent already, one will be sent to you by post.
In addition, you can register by calling us at +44 (0) 203 02044 351 where one of our customer service representatives will complete the online registration form on your behalf. Please note that while registering online is free, you will incur a £3 charge to register using our customer service helpdesk. We will apply a £3 charge directly onto your card so sufficient funds will need to be available.

1.3 How can I share money using payzone worldwide money?

Simply go to any of 5,000 payzone worldwide money agents across the UK with your Loading Card and the amount of money you would like to load onto your payzone worldwide money MasterCard®. There is no need to show ID or fill in forms. Loading money is as fast as a mobile phone top up! You can find your nearest Payzone™ agent on our website: www.payzonemoney.com.

1.4 How much will it cost me to share money?

payzone worldwide money prices are highly competitive. We want to give our customers a faster, more convenient way of sharing money with friends and relatives - at lower cost.

The table below details our costs compared with Western Union standard prices:

Loading Amount	Western Union Standard Pricing*	payzone worldwide money Fee
£0-£100	£14	£3.95
£101-£200	£21	£6.95

*Western Union Standard Pricing correct as on 22.07.2007.

There no hidden costs or unexpected fees. All the charges that may be applied are specified in the table below:

ATM withdrawal fee	£1.50 only
ATM balance inquiry	50p only
Online use fee	No charge
In-store use fee	No charge
Monthly account fee	No charge

1.5 Are there any additional charges?

There's an additional fee £1.50 for withdrawing money from the ATM. There are no additional charges. All charges are specified in the table above.

1.6 Where is my nearest payzone worldwide money agent?

payzone worldwide money has the biggest agent network in the UK - 5,000 locations! Our agents can be found anywhere you see the Payzone™ logo. To find your nearest agent just visit our website and enter your post code or location name.

You can get your payzone worldwide money card pack from selected agents which are indicated by information: cards available for sale.

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2. USING PAYZONE WORLDWIDE MONEY SERVICE

2.1 Your payzone worldwide money Card Pack.

You can obtain your payzone worldwide money Card Pack by either visiting a Payzone™ agent or by applying online at www.payzonemoney.com.

Visit one of our selected Payzone™ agents.
Ask the agent for a payzone worldwide money Card Pack.
Your payzone worldwide money Card Pack consist of a Temporary Loading Card (can only be used once), a plastic MasterCard®, and a PIN code.
No documents or registration forms are required
Load up to £350 there and then. The Payzone™ agent will load the funds onto your payzone worldwide money MasterCard® by swiping the Loading Card though his terminal.
Your payzone worldwide money MasterCard® will be topped-up within seconds!
Obtain a receipt confirming your transaction.

Now you can use your payzone worldwide money MasterCard® in stores around the world or send it to your friends or relatives - the payzone worldwide money MasterCard® is ideal as a gift card or a travel card.

At this stage the payzone worldwide money MasterCard® card cannot be used to withdraw cash from ATMs or to pay online. To receive a Permanent (plastic) Loading Card, you will have to visit our website, at www.payzonemoney.com and confirm your registration. We will then post the Permanent Loading Card to your address so that you can top-up your MasterCard® card as many times as you wish and use it at ATMs worldwide or for online shopping.

To obtain payzone worldwide money card pack by registering online, simply follow these steps:

Simply visit our website www.payzonemoney.com and fill in the registration form which takes only few minutes. You can also call us at +44 (0) 203 02044 351
You do not need to send of any documents. You just need to provide us with basic information such as your name, address and passport or ID number.
Within 3-5 working days we will send you:
- Your Permanent Loading Card - for yourself to be used for loading funds
- payzone worldwide money MasterCard® - to be used for purchasing in store or online or withdrawing cash from ATMs
Go to any of the 5,000 participating Payzone™ agents with your Loading Card and present the funds you wish to load.

Registering on-line you will be able to load up to £1,700 on to your payzone worldwide money MasterCard®. You can send your payzone worldwide money MasterCard® to friends/family abroad. They can instantly withdraw the money you have loaded from any MasterCard® ATM's worldwide, or pay for purchases in-store where MasterCard® is accepted, or and shop online.

To obtain a Card Pack from a Payzone™ agent, simply follow the steps:

2.2 Your payzone worldwide money MasterCard®

MasterCard® ensures worldwide acceptance and access to your money 24 hours a day, 365 days a year. It can be used to withdraw cash from more then 1 million ATMs in over 210 countries, or pay for your purchases in stores worldwide, or to pay for purchases online.

The payzone worldwide money MasterCard® can be sent to your relatives abroad so that they can enjoy your financial support and have easy access to the funds you want to share with them.

The amount of money that can be loaded onto your payzone worldwide money MasterCard® depends on your registration status:

Pre-registration: If you have bought the payzone worldwide money MasterCard® from one of our agents, you can instantly load up to £350. It is a perfect pay-as-you-go-card - no registration, no ID or any documents required. Simply load the money and enjoy the freedom of paying for your purchases in stores around the world. Please note: At this stage the payzone worldwide money MasterCard® cannot be used to withdraw cash from ATM or to pay online.
Registered: To increase your payzone worldwide money MasterCard® limit to £1,700 and enable it to be used to withdraw cash from ATMs and pay online, please visit our website, www.payzonemoney.com or call us at + 44 (0) 203 0244 351. We will ask you to confirm your registration by providing some basic information about yourself, such as your name, address and passport number. Registration only takes few minutes and your payzone worldwide money MasterCard® limit will be instantly increased to give you much more freedom to share and spend your money.
Notarised: To increase your payzone worldwide money MasterCard® limit even further, we will ask you to send us a notarised copy of your passport. You can do this by going to any Post Office branch and asking for the copy of your passport to be certified. You can also ask a professional person (such as doctor, teacher, policeman or solicitor) to sign a copy of your passport and certify that it was taken from the original. As soon as we receive the certified copy of your passport we will increase the limit on your payzone worldwide money MasterCard® up to £10,000, to allow you to load even more funds onto it.

2.3 What is the PIN code for the MasterCard®?

The PIN code or Personal Identification Number is the four digit security code for the payzone worldwide money MasterCard®. The PIN code is required for making cash withdrawals from ATMs and for making purchases at stores.

The PIN code cannot be changed. You can find the PIN code beneath the scratch panel, next to the payzone worldwide money MasterCard®. Please scratch the surface carefully to see the PIN code.

Always keep the PIN code secure and share only with the person who will be using the payzone worldwide money MasterCard®!

2.4 Do I need to pay for the payzone worldwide money cards?

There are no charges for our payzone worldwide money cards. There are also no fee for using the card in stores or online.

2.5 What if I have no bank account or have no/bad credit history?

You do not need to have a bank account in order to obtain a payzone worldwide money card pack. Also there is no need to have a credit history in order to use this service.

2.6 Is there anything special to consider when using my payzone worldwide money prepaid MasterCard® card?

For hotels and restaurants, there is in terms of authorization 15% of the original transaction amount added to cover possible tips etc. Should no tips has been given the original transaction amount will be considered and charged to your account. Please note that your payzone worldwide money MasterCard® card does not work on unattanded point of sales e.g. gas stations.

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3. LOADING MONEY

3.1 How do I load money onto my card?

Simply go to any of the 5,000 Payzone™ agents with your Loading Card and the amount of money you would like to load onto the payzone worldwide money MasterCard®. The Payzone™ agent will swipe the Loading Card through his terminal and collect the cash from you. Your payzone worldwide money MasterCard® will be toped-up within seconds!

If you have sent the payzone worldwide money MasterCard® to your friends or relatives, they can instantly withdraw money you have loaded from any ATM displaying the MasterCard® logo (over 1 million ATMs worldwide).

3.2 What do I need to bring with me when I want to load money?

You only need to bring your Loading Card, the amount you wish to load in cash (GBP only), and the transaction fee as well.

3.3 Will I need to fill in a form or show ID to load money?

No documents or registration form are required. Simply present your Loading Card to the Payzone™ agent.

3.4 How can I ensure that the transfer has gone through?

After the transfer, you will receive your customer receipt from the Payzone™ agent. You should keep this safe in case you have a query about a transaction. You can check your account balance anytime on the www.payzonemoney.com website or you can call the Customer Helpdesk (+44 (0) 203 02044 351). The recipient can also check the account balance at selected MasterCard® ATMs which provides this service. In all cases the account balance will be displayed in GBP. A small fee of 50p will be charged for balance inquires.

3.5 How can I find my account balance and transaction history?

There is an account information section on www.payzonemoney.com where the account balance and transaction history can be viewed. You can call the Customer Helpdesk (+44 (0) 203 02044 351) and they will inform you about your balance and transaction history. The recipient can also check the account balance at selected MasterCard® ATMs which provide this service.

In all cases the account balance will be displayed in GBP.

3.6 Can I cancel the transaction?

It is not possible to cancel the transaction after money has been transferred.

3.7 What is the maximum load value at any one time?

The maximum value that can be loaded in any one transaction is £350.

3.8 What is the limit on the amount of times I can reload?

There is no limit of number of times you can reload. The only limit that will be applied is the limit defined by your registration status:

£350 for pre-registration
£1,700 for registered
£10,000 for notarized

Please refer to: Your payzone worldwide money MasterCard® above.

3.9 Can I load my card online?

You can only load your card at over 5,000 Payzone™ locations. Check the agent Locator for a full list of Payzone™ agents where you can top up your prepaid MasterCard^® .

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4. SPENDING MONEY

4.1 How can I use the payzone worldwide money MasterCard®?

The payzone worldwide money MasterCard® can be used to access your funds in several ways:

Withdrawing cash from ATMs

The payzone worldwide money MasterCard® can be used at any ATM in the world displaying the MasterCard® logo, 24 hours a day. Simply insert your payzone worldwide money MasterCard® into the ATM machine and follow the instructions on the screen. Remember, you will need your PIN code to complete the transaction. This service is only available when you register.

Paying for purchases in store

Your payzone worldwide money MasterCard® can be used at over one million locations worldwide displaying the MasterCard® logo. Paying by card is safer then carrying cash and you can keep track of your spending by checking your transactions history on our website.

The retailer will swipe the card through his terminal or till point and ask you to either enter your PIN or sign to authorised payment.

Paying online or by phone

You can use your payzone worldwide money MasterCard® card to pay online or by phone. You will need the following details to complete a transaction:

Card number: This 16-digit number will be provided to you upon registering your card on our website
Expiry date: The expiry date will be provided to you upon registering your card on our website
Cardholder Name: It is a name that you provided while registering your card on our website
Address: The billing address that you must use when shopping online is the same as the address that you provided while registering your card on our website
Security Code/CV2 code: The 3-digit Security Code will be provided to you upon registering your card on our website

This service is only available when you register with us.

4.2 How much money can be withdrawn at ATMs?

You can withdraw as much cash as you want from the funds in the account, subject to the withdrawal limits of the ATM you use. There will be a fee of £1.50 charged for each withdrawal. Some ATMs may charge an additional fee for dispensing cash. We recommend that you avoid using fee charging ATMs. It is also important to note that the exchange rate may vary and the currency withdrawn depends on the ATM used. Usually it will be the local currency of the ATM wherever the recipient is located at the time.

4.3 Which ATMs can I use and how can I find them?

Using the payzone worldwide money MasterCard®, founds can be withdrawn at any ATMs worldwide where the MasterCard® logo is displayed. Founds can be withdrawn 7 days a week. To find your the nearest ATMs, visit our website and use our MasterCard® ATM locator.

4.4 Are there fees for using the MasterCard in-stores or online?

There are no charges whatsoever for using your payzone worldwide money MasterCard® in-stores or online. You can enjoy spending money for free at over 24 million high-street and Internet merchants worldwide.

4.5 How much is the exchange rate?

We offer highly competitive exchange rates, to ensure you can access your money worldwide without paying exorbitant fees or charges. Our current exchanges rates are available at www.payzonemoney.com. The exchange rate is fixed by us daily and is an indicative rate. When your recipient withdraws the money, the exchange rate used will be the rate on the day of the withdrawal.

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5. OTHER CARD ISSUES

5.1 What happens if my cards are lost/stolen/retained by ATM?

If your card has been lost, stolen, damaged or retained by an ATM, immediately call our Customer Helpline on +44 (0) 203 02044 351 or use the 24x7 online suspend service by logging into your card account at www.payzonemoney.com. Your card will be blocked automatically to secure your funds. You will be able to apply for replacement cards.

5.2 What happens if my PIN code is lost or forgotten?

If you have lost or forgotten your PIN a new card will have to be issued to you. A replacement card must be requested directly from the bank and will be delivered to you by post the Cardholder within three weeks

5.3 How do I get a replacement Loading Card?

Your Loading Card is linked to a particular MasterCard® for your security. This means that if your Loading Card needs to be replaced, so does your recipient's MasterCard® and PIN code. To get replacement cards, you must register in the same way as you did before. You simply select the 'replace card' option on the registration form

5.4 When will the Loading Card and MasterCard® expire?

There will be an expiry date on the front of both the Loading and MasterCard® Cards. There will also be a reminder printed at the bottom of your receipt 6 months before the cards are due to expire.

5.5 How do I replace my expired cards?

When your payzone worldwide money cards expired you have to re-apply for the new set online at www.payzonemoney.com.

5.6 How do I withdraw my money if my cards expired?

If this happens, then you and your recipient can get a new Loading and MasterCard®. Your recipient will be able to withdraw their money as soon as they have received their new MasterCard®.

5.7 Do I need to activate my cards?

There is no need to activate your cards. You can load and withdraw founds straightaway.

5.8 How soon is the money available on the card?

The money is available on the payzone worldwide money MasterCard® within few minutes.

5.9 How many payzone worldwide money cards can I have?

You can have only one payzone™ worldwide money card set, containing a Loading Card and payzone™ worldwide money MasterCard®

5.10 Can I register additional MasterCards for my Loading Card?

Unfortunately you can have only one card payzone™ worldwide money MasterCard® per Loading Card.

5.11 Is there a minimum age limit for registration?

To apply for a prepaid MasterCard^® you must be at least 18 year old

5.12 How long are the Loading and MasterCard® cards valid for?

The card is valid for a maximum period of three years after initial loading.

5.13 What countries can I send money to?

You can send money to any countries where ATM machines are available and where the MasterCard® is accepted.

5.14 What should I do if my registration details change?

You should contact the Customer Helpdesk on +44 (0) 203 02044 351 and give them your new details.

5.15 Is there a limit on the total amount withdrawn from card?

You can load up to £10,000 onto your payzone worldwide money MasterCard®. Any attempt to load further founds will result in the transaction being declined. You can only withdraw/spend founds that have first been loaded onto your payzone worldwide money MasterCard®.

5.16 There are transactions on my account statements that I have not done-what can I do?

If you want to report any discrepancy or dispute send a written complaint to info@mypayzonemoney.com by stating: payzone worldwide money prepaid MasterCard® card number, date and time of transaction, disputed amount and currency, merchant, reason of your dispute. Upon receipt, Banque Invik will start investigation. Your payzone worldwide money prepaid MasterCard® card will be credited after successful clarification with the merchant.

Note: This might take up to 180 days

5.17 How do I block my card if lost or stolen?

Need to report a lost or stolen card? Call the customer service at +44 (0) 203 0244351 (Mo-Fr 8.00-20.00, Sa-Su 8.30-17.30 CET). Alternatively suspend your card directly on www.mypayzonemoney.com.

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6. MISCELLANEOUS

6.1 Customer Helpdesk.

payzone™ worldwide money offers a customer helpdesk where you can direct your questions or queries. The Customer Helpdesk will ask for your first name, last name, the card number and the reason for the call. We will never ask you for the PIN code of the MasterCard®. This should never be revealed to anyone for security reasons.

6.2 What is the billing address I should use for online purchases?

The billing address that you must use when shopping online is the same as the address that you provided while registering your card on our website.

6.3 How can I close the account?

If you want to close your account you have to contact the helpdesk on +44 (0) 203 02044 351 for further guidelines. Additional details are available in Terms and Conditions supplied in your Welcome Pack.

6.4 How can I obtain remaining founds if I close my account?

We recommend redeeming the remaining funds by using an ATM machine or using the card in stores or online until the card fund is exhausted. Additional details are available in Terms and Conditions supplied in your Welcome Pack.

6.5 Where can I notarise my passport copy?

You can go to any Post Office branch and ask for the copy of your passport to be certified. You can also do this by asking a professional person (such as doctor, teacher, policeman or solicitor) to sign a copy of your passport and certify it was taken from the original.

6.6 What is CVV2/CVC2 Code?

The card verification value, called CVV2 Code (Visa) or CVC2 Code (MasterCard) is a 3 digit code that is required to do online transactions with your card. It represents the digital signature of the Cardholder.

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7. CORPORATE INFORMATION

7.1 What is payzone worldwide money?

payzone worldwide money is a Cash-to-Card service set up by alphyra Group Ltd. and Banque Invik to provide money sharing services worldwide. Through Banque Invik, payzone worldwide money is partnered with MasterCard®.

7.2 What is alphyra Group Ltd.?

alphyra Group Ltd. is a multi-national electronic transactions company with offices in 23 European countries and is the owner of the Payzone™ brand. Payzone™ is the largest branded independent network of retailer payment outlets in the UK with over 24,000 locations across the country. It delivers services to mobile operators, banking, utility and other partners - processing in excess of 350 million transactions per year, with a value in excess of €9 billion. More information on alphyra Group Ltd. can be located at www.alphyra.co.uk.

7.3 What is Payzone™?

Payzone™ is the largest network of independent retailer payment outlets in the UK and is owned by alphyra Group Ltd. More information on PAYzone® can be found at www.payzone.co.uk.

7.4 What is Banque Invik?

Banque Invik is a Luxembourg-based bank with operations in asset management, card operations, and corporate services. Banque Invik is well known as an issuer of credit cards and pre-paid debit cards. Banque Invik is a member of the Association of Banks and Bankers of Luxembourg.

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