# Payz

> Payz is a global e-wallet and payment solution that lets individuals and businesses send, receive and manage money in 50+ currencies, with prepaid Payz Mastercard cards available in up to eight currencies. In the UK, Payz services are provided by PSI-Pay Ltd, authorised and regulated by the Financial Conduct Authority (FCA) as an Authorised Electronic Money Institution (FRN 900011). In EEA countries, Payz services are provided by IPS Solutions Ltd, an Electronic Money Institution authorised and regulated by the Central Bank of Cyprus. Customer funds are protected through safeguarding.

Payz serves both personal and business customers. Personal customers get a free multi-currency e-wallet, instant transfers between Payz users, personal virtual IBANs and UK sort codes for receiving EUR and GBP, and physical/virtual Payz Mastercard cards. Business customers can accept payments (Payz Merchants), manage corporate funds and expenses (Payz Business), and join the affiliate programme. The website is available in English, Spanish (/es/), German (/de/), French (/fr/), Italian (/it/) and Portuguese (/pt/); the entity serving each customer depends on their country of residence.

## Personal

- [Payz Account](https://payz.com/account/): Multi-currency e-wallet — open a free account, send and receive payments in 50+ currencies, instant transfers between Payz users
- [Payz Cards](https://payz.com/payz-cards/): Prepaid Payz Mastercard physical and virtual cards in up to eight currencies, for online spending, ATM withdrawals and worldwide use
- [Security](https://payz.com/security/): How Payz keeps accounts and money secure
- [Account Fees & Limits](https://payz.com/account-fees-and-limits/): Personal account levels, fees and spending limits
- [Card Fees & Limits](https://payz.com/card-fees-limits/): Personal card fees and limits
- [Help & Support](https://payz.com/help-support/): FAQs and 24-hour multilingual customer support

## Business

- [Business Overview](https://payz.com/business/): Payment solutions for businesses
- [Payz Business](https://payz.com/business/account/): Business account for managing corporate funds
- [Payz Merchants](https://payz.com/business/merchant/): Accept online payments from Payz customers
- [Affiliates](https://payz.com/business/affiliates/): Payz affiliate partner programme
- [Business Cards](https://payz.com/business/cards/): Payz cards for tracking and managing company expenses in real time
- [Business Account Fees](https://payz.com/business/account-fees/): Business account fees
- [Business Card Fees](https://payz.com/business/card-fees/): Business card fees
- [Business Help & Support](https://payz.com/business/help-support/): Support for business customers
- [Brand Centre](https://payz.com/business/brand-centre/): Payz brand assets and guidelines

## Company

- [About Payz](https://payz.com/about/): Company background — e-wallet established in 2000, regulated by the UK FCA and the Central Bank of Cyprus, Principal Member of Mastercard, PCI DSS compliant
- [Protecting Your Funds](https://payz.com/protecting-your-funds-payz/): How customer funds are safeguarded as an e-money institution
- [Blog](https://payz.com/blog/): News and articles from Payz

## Guides and Announcements

- [Introducing personal virtual IBANs and UK sort codes](https://payz.com/introducing-personal-virtual-ibans-and-uk-sort-codes/): EUR and GBP receiving options for EEA and UK customers
- [Account verification and source of funds – all you need to know](https://payz.com/account-verification-and-source-of-fundsall-you-need-to-know/): Overview of identity verification and source of funds checks
- [How we keep your online card payments secure](https://payz.com/how-we-keep-your-online-card-payments-secure/): Security features for online card payments
- [Phishing: how to stay safe and protect yourself online](https://payz.com/phishing-how-to-stay-safe-and-protect-yourself-online/): Advice on recognising and avoiding phishing
- [Payz Travel](https://payz.com/payz-travel/): Cashback offer for travel bookings with Booking.com

## Legal

- [Policies Index](https://payz.com/policies/): Index of all Payz policies, terms and conditions
- [Terms & Conditions](https://payz.com/policies/terms-of-use/): General terms for opening and using a Payz account
- [Business and Merchant Terms of Use](https://payz.com/policies/business-merchant-terms-of-use/): Terms for business entity accounts
- [Payz Mastercard Terms & Conditions](https://payz.com/policies/mastercard-terms-of-use/): Card terms — Payz Mastercard is issued pursuant to a licence by Mastercard International Incorporated
- [Privacy Policy](https://payz.com/policies/privacy-policy/): How Payz collects, stores and retains personal data
- [Cookie Policy](https://payz.com/policies/cookie-policy/): Cookie usage and management on payz.com
- [Security Policy](https://payz.com/policies/security-policy/): Security practices and guidelines
- [Complaints Policy](https://payz.com/policies/complaints/): How to raise a complaint and how complaints are handled
- [Affiliate Program Terms](https://payz.com/policies/affiliate-program/): Terms governing affiliate participation

## Optional

- [Log in / Sign up](https://myaccount.payz.com/signup): Open a Payz account or log in to My Payz
- [Contact Us](https://myaccount.payz.com/contactus): Get in touch with customer support
- [PSI-Pay Ltd](https://psi-pay.co.uk/): UK entity providing Payz services and issuing Payz Mastercard cards
- [Español](https://payz.com/es/): Spanish version of the site
- [Deutsch](https://payz.com/de/): German version of the site
- [Français](https://payz.com/fr/): French version of the site
- [Italiano](https://payz.com/it/): Italian version of the site
- [Português](https://payz.com/pt/): Portuguese version of the site