Terms And Conditions
AYDAPAY spółka z ograniczoną odpowiedzialnością (“AYDAPAY”, “we”, “us”, “our”) is a company incorporated in Poland with registered office at Aleja Armii Ludowej 6, lok. 164, 00-571 Warsaw, Poland, registered under KRS 0001036277 and NIP 5214021930.
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AYDAPAY is entered in the register of payment service providers as a Small Payment Institution (SPI) maintained by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego – KNF) and provides payment services under the Polish Act of 19 August 2011 on Payment Services, implementing Directive (EU) 2015/2366 (PSD2).
AYDAPAY is also subject to Polish and EU legislation on Anti-Money Laundering and Counter-Terrorist Financing (AMLD), the General Data Protection Regulation (GDPR – Regulation (EU) 2016/679), and applicable consumer protection laws.
For the purposes of this Agreement:
“Agreement” means these Terms & Conditions, together with the Privacy Policy and Cookie Policy (together, the “Policies”).
“AYDAPAY”, “we”, “us”, or “our” refers to AYDAPAY sp. z o.o.
“Customer”, “you”, or “your” refers to the individual using AYDAPAY’s Services.
“Services” means money transfer, foreign exchange, online remittance, and any other payment-related services made available by AYDAPAY from time to time via its website and/or mobile app.
“Transaction” means a payment order executed by AYDAPAY on behalf of a Customer.
“Sender” means the person instructing AYDAPAY to send money.
“Beneficiary” means the person designated to receive the funds.
“Funding Instrument” means a debit card, credit card, or bank transfer (e.g., SEPA) used to pay for a Transaction, as made available.
“Business Day” means any day banks in Poland are open for business, excluding weekends and public holidays.
“High-Risk Country” means a jurisdiction designated as high-risk by the EU, FATF, or competent authorities.
“Restricted Activities” means activities prohibited under Section 7.3.
“Profile” means your user account with AYDAPAY.
These Terms and Conditions (“Agreement”) govern your use of the online payment services provided by AYDAPAY. By creating a Profile and/or using the Services, you agree to be bound by this Agreement.
This Agreement should be read together with our Privacy Policy and Cookie Policy (together, the “Policies”). The Policies describe how we process personal data and use cookies and similar technologies.
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The current versions of this Agreement and the Policies are available on our website/app. Please download and keep a copy. We may update them in accordance with Section 17.
You accept this Agreement by ticking to accept during registration or before initiating a Transaction, or by continuing to use the Services.
Please pay particular attention to:
Section 4 (Sending Money)
Section 5 (Fees & FX)
Section 7 (Restrictions)
Section 9 (Errors/Refunds)
Section 14 (Liability)
Section 17 (Changes)
IMPORTANT: By continuing to use our Services, you signify your understanding and acceptance of the terms outlined in this Agreement.
The Services enable Customers resident in supported countries (listed on our website/app) to send funds to a Beneficiary via supported payout methods (e.g., account deposit, wallet, cash payout, or other methods if available) in designated corridors.
A “Transaction Amount” is the amount you fund; the “Payout Amount” is what the Beneficiary receives, net of applicable fees and FX.
The Services are intended for personal, consumer use (peer-to-peer and family support). Use for commercial payments or for persons you do not know or trust is not permitted unless explicitly allowed by AYDAPAY in writing.
The Services may rely on third-party service providers (banks, processors, payout agents, telecom/internet providers). Your use of such services may be subject to additional terms imposed by those providers.
You must create a Profile to use the Services. A Profile is not a bank or payment account and does not hold funds.
You must provide accurate information and complete KYC as required (see Section 8). You may need to create security credentials and install our app.
You must act on your own behalf and not on behalf of others, unless expressly permitted by law and agreed by AYDAPAY in writing.
You must keep your details (including residency address) accurate and up to date and promptly notify changes. Changes in residency may affect eligibility and applicable terms.
To use the Services, you must:
(a) accept this Agreement;
(b) be 18+;
(c) be resident in a supported country (as listed on our website); and
(d) complete identity verification and other checks.
You may not use the Services if you are subject to sanctions or in jurisdictions we do not support. We may apply enhanced due diligence or decline Transactions involving high-risk jurisdictions consistent with AML/CFT laws (see Section 7.2).
You may hold one Profile. We may limit multiple emails or instruments linked to a single individual.
You may fund a transfer by card (credit/debit) or bank transfer (e.g., SEPA), as made available. By selecting a card, you:
(a) authorize charges for the Transaction Amount and fees;
(b) confirm the card is valid and lawfully yours; and
(c) authorize us to verify with the issuer.
Pay from a bank account in your own name using the reference/instructions we provide, within the specified timeframe. You are responsible for providing correct amounts and references.
If payment is late, from an ineligible account, for an incorrect amount, or with wrong references, we may:
(a) delay or cancel the Transaction;
(b) refund subject to checks;
(c) suspend/terminate the Services; and/or
(d) comply with any legal/regulatory process impacting refunds.
Submitting a transfer is an offer to us. We may accept or decline in our discretion (consistent with law and this Agreement). The Services are for consumer use only.
Execution depends on corridor, payout method, bank cut-offs, controls, and time zones. Estimated times will be shown before you confirm. Times are indicative and not guaranteed.
We require:
(a) accurate Sender/Beneficiary details;
(b) cleared funds;
(c) your consent; and
(d) completion of any identity/limit/AML checks. If checks are pending, processing may be delayed.
You authorize charges to your selected card. If a payment attempt fails, we may retry using the same instrument, in accordance with network rules and your issuer agreement.
Please check all details before confirming; changes may not be possible afterwards. Refunds/cancellations are handled under Section 9.
Ensure all Transaction details are accurate as changes might not be possible after submission.
Your card or bank provider’s agreement may give you additional protections (e.g., chargeback rules). Refer to that agreement.
You agree to pay the Service Fee displayed before you confirm. Fees may be deducted from the Transaction Amount or charged separately.
Pay only via the methods we disclose (e.g., supported cards or bank transfers). We are not obliged to accept other payment methods.
If our costs arise due to your funding instrument (e.g., insufficient funds, chargebacks), you agree to reimburse us on demand, where permitted by law.
Where currency conversion applies, we will display the exchange rate and the resulting Payout Amount before you confirm. The rate disclosed must equal the rate applied (subject to rounding and execution parameters disclosed prior to confirmation). AYDAPAY may earn a spread on FX.
If there is a material discrepancy between the disclosed and applied rate attributable to AYDAPAY, we will correct it and reimburse the difference. Repeated manipulation or mis-disclosure by any partner may lead to suspension or termination under Section 7.4.
Your bank, card issuer, telecom or internet provider may charge fees (e.g., cash-advance or international fees). You are responsible for these.
You are responsible for any taxes arising from your use of the Services, in accordance with applicable law.
Funds are made available to Beneficiaries through AYDAPAY’s network of local banks, financial institutions, and authorized agents (“Service Providers”). Service Provider locations, hours, and availability may vary.
Funds not collected within the applicable timeframe (as shown for the relevant corridor/payout method) may be cancelled and refunded to the Sender (less applicable fees), subject to compliance checks and legal requirements.
Beneficiaries must present valid government identification and any reference number provided by AYDAPAY or its Service Providers. Service Providers may impose additional verification requirements in compliance with local regulations.
AYDAPAY may refuse, suspend, or delay any Transaction to protect Customers, comply with regulatory obligations, prevent fraud, or mitigate risk.
Transactions involving High-Risk Countries are subject to enhanced due diligence. AYDAPAY may suspend, delay, or refuse such Transactions to the extent permitted by law.
Customers may not use AYDAPAY Services for illegal purposes, gambling (where prohibited), controlled substances, adult content (where prohibited), sanctions evasion, or other prohibited activities.
AYDAPAY may:
Suspend or terminate Profiles.
Delay, cancel, or reverse Transactions (where legally possible).
Request additional documents or information.
Report suspicious activity to authorities.
Customers will be notified where legally possible.
Processing of personal data is governed by AYDAPAY’s Privacy and Cookie Policies, available on our website/app.
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Personal data may be transferred outside the EEA. Adequate safeguards (e.g., EU Standard Contractual Clauses) will apply where required.
In compliance with AMLD and Polish AML law, AYDAPAY collects and verifies personal data, including identity documents, proof of address, and information about the source of funds.
AYDAPAY may disclose data to regulators, law enforcement, or judicial authorities as required by law.
Error Resolution: Customers must notify AYDAPAY promptly of any unauthorized or incorrect Transaction within 13 months (subject to mandatory law).
Cancellation: Transactions may be cancelled before completion where feasible. Completed Transactions are non-refundable, except where required by law.
Refunds: Refunds are credited to the original Funding Instrument, subject to compliance checks and legal requirements.
Tracing Payments: Customers may request payment traces where available for the relevant corridor/method, subject to applicable fees and rules.
Cooling-Off Period: Customers may have a right to withdraw within 14 days where applicable under mandatory consumer law and depending on service usage.
Termination: Either party may terminate the Agreement in accordance with mandatory law and reasonable notice, unless immediate termination is required for legal/compliance reasons.
Post-Termination: AYDAPAY may retain Customer data as required by law and for legitimate interests (including AML record-keeping and dispute resolution).
AYDAPAY owns all intellectual property rights related to its Services, trademarks, and software. Customers are granted a limited, non-exclusive, revocable license to use AYDAPAY’s app and website for personal, non-commercial use.
Services may occasionally be unavailable due to maintenance, security events, third-party outages, or regulatory obligations.
AYDAPAY is not responsible for disputes between Customers and third-party merchants.
While AYDAPAY applies security measures, it cannot guarantee absolute protection from unauthorized access.
Customers are responsible for losses caused by:
Breach of this Agreement.
Misuse of Services.
Fraudulent or negligent activity.
Failure to safeguard credentials, devices, or Funding Instruments.
We are liable for foreseeable loss and damage caused by our failure to comply with this Agreement or to use reasonable care and skill. We aren’t responsible for unforeseeable loss or damage, or loss caused by your breach or fraudulent actions.
If paid digital content is supplied, we’re liable for ensuring it is of satisfactory quality, fit for purpose, and matches description, subject to mandatory law.
Our liability is not limited where prohibited by law, including for death, personal injury, fraud, or fraudulent misrepresentation.
We aren’t liable for business-related losses or losses from our disbursement partners where we have complied with our obligations and applicable law. Our services are for consumer and private use.
We shall not be liable for losses arising from compliance with legal and regulatory obligations or due to events outside our reasonable control, including strikes, natural disasters, and significant network disruptions.
Events Outside Our Control include severe weather conditions, epidemics, pandemics, unavoidable technical failures, and essential system maintenance.
Customers are encouraged to first report concerns directly to AYDAPAY. We prioritize resolving issues amicably. Complaint procedures and contact details are available on our website/app.
Email: help@aydapay.com
Phone: +48 737 660 344
In-app chat: available within the AYDAPAY application
If unresolved, customers may be able to refer disputes to a competent dispute resolution body in Poland and may use the EU Online Dispute Resolution (ODR) platform (details provided on our website/app where applicable).
These Terms are governed by Polish law, without prejudice to mandatory consumer protection laws applicable in your country of residence within the EEA.
Use caution when sending money, especially to unfamiliar entities. Offers that seem too good to be true should be treated with caution.
You must safeguard Funding Instruments and credentials, not share passwords, use strong passwords, keep devices protected, and promptly notify AYDAPAY of failures, viruses, or suspected unauthorized access.
If available, biometric access may be used (e.g., fingerprint). You are responsible for ensuring only your biometric information is registered on your device.
Contact AYDAPAY immediately if you suspect fraud or unauthorized use via help@aydapay.com, in-app chat, or +48 737 660 344.
AYDAPAY may introduce new functionalities or adjust services for maintenance, bug fixes, security threats, product development, and regulatory requirements.
AYDAPAY may change this Agreement. Where required by law, users will receive advance notice of material changes and may terminate without charge within the notice period.
Changes may be made to correct errors, reflect new products or services, respond to legal requirements, and adapt to industry standards.
Changes are communicated by posting the revised Agreement on AYDAPAY’s website and/or app and/or other legally permitted means.
Delayed enforcement does not waive our right to enforce terms later.
If any part is found unlawful, the remaining sections remain valid and enforceable.
We may transfer our rights and obligations. Users will be notified where required and may have termination rights under applicable law.
Users may transfer rights/obligations only with our written consent.
This Agreement is binding between the Customer and AYDAPAY. No other person has rights to enforce its terms except where mandatory law provides otherwise.
AYDAPAY is not a bank and does not provide deposit protection schemes. This does not affect mandatory consumer rights.
Version: 1.0
First Issue Date: 01/01/2025
Last Updated: 09/02/2026
If you have any questions about our Terms And Conditions, please don't hesitate to contact us.
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