Card Terms of Usage for Beneficiaries
This PAYABL BUSINESS DEBIT card is a Mastercard Debit Card (the "Card") is issued by DiPocket UAB ("DiPocket"). The Card belongs to the Company (the "Company"), which provides it to the end users (the "Users").
The Card and the additional services specified in the General Terms and Conditions (together with the Card, referred to hereafter as the "Services") are developed and provided for PAYABL. CY LIMITED, registered in the Republic of Cyprus (company number HE289380) situated at Olympion 23, Libra Tower, 5th floor, 3035, Limassol, Cyprus ("PAYABL") by DiPocket under its license. Unless indicated otherwise, any action attributed or directed to PAYABL. hereto shall be construed as, respectively, performed by or directed to DiPocket.
DiPocket UAB is a Financial Institution authorized and regulated by the Lithuanian financial supervisory authority the Bank of Lithuania, which is located at: at Gedimino avenue 6, LT-01103, Vilnius, the Republic of Lithuania, telephone No. +370 800 50 500. Further details of the Bank of Lithuania are available at its official website: https://www.lb.lt/en/. DiPocket UAB operates on the basis of the E-Money Institution License (Number 75) issued in the Republic of Lithuania on November 10, 2020. The electronic money institution license authorizes DiPocket UAB to provide services that are listed in the license. The license may be found following the link: www.lb.lt/lt/frd-licencijos/view_license?id=1985.
DiPocket is a Principal Member of Mastercard Inc.
These terms and conditions (the "Card Terms and Conditions") apply to any holder of a Card. The Card Terms and Conditions are supplemental to the General Terms and Conditions (the "General Terms and Conditions"), together referred to as the "Terms & Conditions". By using the Card, you are demonstrating your acceptance of the Terms & Conditions.
We recommend that you familiarize yourself, in particular, with the following terms and guidelines contained in the General Terms and Conditions, which are included by reference in these Card Terms and Conditions: Using the Card, Keeping the Card and Account safe, If something goes wrong, Our liability towards you, Cancelling the Services.
Using the Card
The Card is a Payabl. Corporate Debit Card:
- to activate it, you must follow the instructions provided with the Card;
- the Card will be valid until expiry date shown on the front of the Card, after which you shall not try to use it;
- you can use it at all locations that display the Mastercard Acceptance Mark: for purchases in physical stores including contactless, and at automated teller machines ("ATM") for cash withdrawals as well as for online and telephone purchases. It cannot be used for other cash transactions such as withdrawing cash from a bank and purchasing traveller's cheques or foreign exchange from a bureau de change. Limits and fees apply;
- you can enrol it in Apple Pay and Google Pay;
- it is automatically registered for Mastercard Identity Check, to enhance security. When using the Card for online purchases, you may be required to authenticate yourself using the App's biometric features or entering on the merchant site code (the "Code") that will be sent to your mobile phone number;
- you will only be able to use it if the Card account is sufficiently funded at the time you attempt to make a transaction with the Card, and you cannot add funds to it yourself;
- if you use the Card for purchases in a different currency, the purchase amount will be converted to the main Card currency by Mastercard on the date they process the transaction (rates used by Mastercard can be found on www.mastercard.co.uk/en-gb/consumers/get-support/convert-currency.html), and we may apply a fee as shown in the Tariff Table. We will display as part of the transaction information how the exchange rate applied by us compares to reference rates published by the European Central Bank.
You are permitted to use the Card as an authorised User of the Company that provided it to you, which remains at all times the owner of the Card and the funds available on it. The Company may at its own discretion withdraw the funds, for example if the Company reasonably believes the funds are being used for illegal purposes.
The Card is not transferable, and you may not permit any other person to use the Card.
Safeguarding the security of the Card
Upon receiving the Card, you must:
- not allow anyone else to use the Card;
- not reveal your PIN or the Code;
- not maintain a written record of your PIN, unless you do this in a way that would make it impossible for anyone else to recognise it;
- delete the PIN from your mobile when you receive it;
- only release the Card, card number, PIN or the Code to make (or try to make) a transaction with a merchant or ATM displaying the Mastercard Acceptance Mark.
If the Card is lost or stolen, or someone else finds out the PIN, or if you think the Card, card number, or PIN may be misused, you must:
- block the Card immediately and report about the lost or stolen card to cards.support@payabl.com between 9.00 to 18.00 Eastern European Time (EET) (UTC+02:00) or Eastern European Summer Time (EEST) (UTC+03:00), so that we can block the Card for you, or you may contact us by phone at +357 25272300;
- stop using the Card, card number or PIN immediately. If you find the Card after you have reported it lost, stolen or misused, you must destroy it and inform us as soon as you can by using cards.support@payabl.com.
Within the limits permitted under applicable laws and subject to the limitations defined in the Terms & Conditions, we are liable for due performance of our obligations set out in the Terms & Conditions.
Complaints Policy
If you are unhappy in any way with the Card or the Services, or if you experience any problem, please contact us as per General Terms and Conditions.
Date of issue 30/04/2025
Tariff Table (EUR)
| Description | Fee |
|---|---|
| Card maintenance (monthly) | 5 EUR |
| Inactivity fee (monthly) | 15 EUR after three months of inactivity |
| Physical Card replacement - lost, stolen, damaged or expired | 25 EUR |
| Virtual Card replacement - lost, stolen, damaged or expired | 10 EUR |
| In-store/internet purchases. In-store cash withdrawal (cashback) | free of charge |
| ATM withdrawal - in card currency | not supported |
| ATM withdrawal in currency other than card currency | 2.5% of withdrawal amount plus 5 EUR |
| Balance inquiry at ATM | 1 EUR per transaction |
| PIN change | free of charge |
| FX transaction fee (transactions in currencies other than EUR, incl. ATM withdrawals) | 3% |
| Card top up via Company bank account | free of charge |
| Card activation | free of charge |
| Fee per dispute | 50 EUR |
| Plastic card dispatch | min 35 EUR (depending on the location) |
*all fees are charged from the Company account
Limits Table (EUR)
Daily, monthly and annual limits are applied to a given Card in a 24 hours period or over the prior 30 or 365 days and are subject to availability of funds on the Card.
We may amend these limits at any time and with immediate effect, at our sole discretion and/or may apply lower limits to individual customers based on risk considerations and/or to comply with applicable laws and regulations.
| Transaction Type | Maximum transaction/daily/monthly |
|---|---|
| Purchases | 12000 / 12000 / 50000 |
| In-store cash withdrawal (cashback) | not supported |
| ATM cash withdrawals | 2000 / 2000 / 15000 |