Service regulations

Perekaz24 service delivery regulations

Valid from 20.06.2019

Section 1. General provisions

  1. The regulations define the rules for using the money transfer service using perekaz24 service.
  2. Perekaz24 service consists of providing, through the site www.perekaz24.eu, the technical possibility of withdrawing funds from the card account or by electronic payment from a bank account in order to transfer these funds in USD to a cash payment point on the territory of Ukraine or crediting funds to the payment card account in UAH.
  3. The implementation of transactions is possible when using cards that allow you to implement transactions without a physical presence, as well as for holders of accounts in Polish banks through electronic payments.

Perekaz24 service is provided:

  1. On the territory of Poland and the European Union by Transfer24 Sp. z o.o., ul. Sienkiewicza 11/3 25-350? Kielce, Polska, share capital PLN 240 000, fully paid, entered in the register under the number KRS 0000311111, REGON 260204830, NIP 6572772250, entered in the Register of the Financial Supervision Commission as a National Payment Institution under the number IP5/2013.
  2. On the territory of Ukraine by Meest Corporation Inc., 97 Six Point Road, M8Z 2X3 Toronto, Ontario, Canada, entered in the OCN Register 001555615, entered in the Register of the National Bank of Ukraine as an international money transfer system under the number 53-02010/16274

The concepts used in the regulations have the following definition:
The operator is Transfer24 Sp z o.o.
Emitter Bank – the bank that issued the card to the cardholder.
Cash withdrawal point – branches where the recipient can receive cash (the current list is available on the website).
Payment administrator-eCard S.A.
Site- perekaz24 internet page that the user uses to make a transaction request.
Sender’s card – a payment card issued by the Visa or MasterCard system, which allows performing operations without its physical presence according to the rules of these systems.
Recipient’s card – a payment card in UAH issued by any Ukrainian bank.
User – an adult individual who correctly created a user account in perekaz24 system and activated it.
Cardholder – an adult individual who owns a card issued by the issuing bank.
Account holder – an adult individual who is the owner of a bank account in any Polish bank.
Electronic payment – a service that allows accepting payments via the internet.
Authorization – a process of checking whether the cardholder’s account has an amount that allows implementing a transaction.
Recipient-an individual trusted by the user to receive cash.
Transaction – a payment from a bank card or electronic payment after authorization in the amount determined by the user, which does not exceed the transaction limits.
Account – an individual Administrator panel created by the user within the site, which is used to view the transaction history and manage personal data.
Transaction limits – daily and monthly limits for transactions made with a bank card or electronic payment.
Card authentication is a transaction that aims to confirm whether the user is the owner of the card.

Section 2. User account registration

  1. An individual who is the owner of a card issued in his/her last name or the owner of an account in a Polish bank can register within the site. 2. The user registration process takes place only and exclusively using the Site.
  2. During the account registration process, the user provides its data required to activate the account.
  3. Activation of the account can only be performed after correctly filling out the user data questionnaire.
  4. In order to activate its account, the user must read and agree to these regulations. In order to activate the account, the user must confirm that the data provided by it is correct and corresponds to the actual state.
  5. During the activation of the account, the user gets acquainted with and agrees to the operator’s Privacy Policy, gets acquainted in detail with the information of the administrator of personal data submitted during registration, which is the operator, which is replaced in it. Compliance with the Privacy Policy is a requirement for creating an account.
  6. The user may separately consent to the processing of personal data submitted during registration and activation of the account for marketing purposes. This consent is voluntary and does not affect the activation of the account and the provision of services described in this regulation.
  7. The user must update its personal data in case of changes.
  8. The account access password will be provided during the registration process, it can be changed it using the corresponding function in the user account.
  9. The user can perform transactions after correctly registering and activating the account.
  10. If the user forgets the password to access its account, it can use the appropriate functions on the site to start the process of reminding it.
  11. User can have only one account.
  12. The User can have more than one card in their account.
  13. The User cannot transfer its account to other persons.
  14. The User must keep its account password confidential.
  15. The operator may block the account if a danger is detected to it.
  16. Detailed information on the processing of personal data of cardholders, users, and site visitors can be found in the operator’s Privacy Policy.

Section 3. Transaction Security

  1. In order to ensure the highest level of security, the transaction is implemented through the Payment Administrator.
  2. The operator does not have access to the card data or to the user’s bank account data, this data is hidden by the Administrator.
  3. The operator is not responsible for possible problems related to the presentation of false data by the user during the account registration process.
  4. The user must responsibly protect the password from third parties.

Section 4. Transaction implementation process

  1. A transaction through the site can be carried out by the owner of a card or bank account who uses its account.
  2. The transaction currency is Polish zloty (PLN), Pound sterling (GBP) or Euro (EUR), depending on the user’s choice when registering an account.
  3. The currency of payment of the transfer at points on the territory of Ukraine is the US dollar (USD).
  4. The currency in which funds will be credited to the payment card account is the Ukrainian Hryvnia.
  5. Currency conversion to the US dollar (USD) is carried out according to the current exchange rate of the operator.
  6. Funds are converted to the Ukrainian Hryvnia (UAH) at the current exchange rate of the operator.
  7. You can see the current currency exchange rate after logging in to your account.
  8. The user, when performing a transaction, agrees to the current rate that he/she sees in the system and to additional payments highlighted during the transaction implementation process.
  9. The transaction can be made to the cash payment point or to the payment card account.
  10. The user agrees that the Payment Administrator receives the data entered into the system by the user and performs their verification.
  11. The operator transmits the data necessary for authorization of the transaction to the payment administrator through the site.
  12. Transaction implementation requirements are the following:
    1. providing a transaction amount that does not exceed the transaction limits.
    2. providing the correct recipient data.
    3. providing the payment name.
    4. positive authorization or positive electronic payment.
  13. Positive authorization will be performed exclusively for cards that:
    1. are not blocked.
    2. are valid.
    3. the emitter Bank will confirm that the user has sufficient funds to implement the transaction.
  14. A positive electronic payment will be made if the bank account holder has sufficient funds to implement the transaction.
  15. If there is no positive authorization or electronic payment, the transaction will not be implemented.
  16. The transfer will be ready for a payment not later than the next business day after the transaction is completed correctly.
  17. Funds will be credited to the payment card account not later than the next business day after the transaction was completed correctly.
  18. The operator is not responsible for incorrectly entered recipient data by the user.
  19. The operator is not responsible for delays for reasons beyond the operator’s control.
  20. A positive transaction is not canceled, in some cases, the operator may cancel the transaction at the user’s request.

Section 5. Transaction Limits

  1. Transaction limits are determined by the operator. Transaction limits can be viewed after logging in to the user’s account.

Section 6. Complaints

  1. The cardholder can make complaints through the appropriate function on the site within its account.
  2. The operator is not responsible for delays, refunds, or refusals to receive a transaction by the recipient, if they occurred through no fault of the recipient, and even more so if incorrect data of the recipient was submitted.
  3. The operator is not responsible for lost profits or indirect losses, including lost financial opportunities or loss of income that occurred due to late implementation or lack of implementation of the transaction.
  4. The operator is only responsible for the implementation of the transaction.

Section 7. Final provisions

  1. The operator reserves the right to refuse to register an account, delete an account, or refuse to implement a registered user’s transaction without providing a reason.
  2. Starting from the moment of drawing up an order for the execution of a transaction, the operator may require the user to have state-certified copies of the identity document or other equivalent documents. Until the user submits the requested documents, the operator has the right to delay the implementation of the transaction without the obligation to pay the user any funds related to this.
  3. If the user does not provide copies of documents, the operator has the right to cancel all orders for performing transactions made by the user without the obligation to pay the user any funds related to this.
  1. The operator reserves the right to refuse to register an account, delete an account, or refuse to implement a registered user’s transaction without providing a reason.
  2. Starting from the moment of drawing up an order for the execution of a transaction, the operator may require the user to have state-certified copies of the identity document or other equivalent documents. Until the user submits the requested documents, the operator has the right to delay the implementation of the transaction without the obligation to pay the user any funds related to this.
  3. If the user does not provide copies of documents, the operator has the right to cancel all orders for performing transactions made by the user without the obligation to pay the user any funds related to this.

All disputes are resolved by the competent court in Kielce.

Check how easy it is.
Register for free!
Send a transfer