TERMS AND CONDITIONS OF USE OF THE SELFPAY NOW MOBILE APPLICATION
(Terms of Use)
These terms of use (“Terms of Use“) encompass the terms and conditions of use of the SelfPay Now mobile application (“SelfPay Now Application” or “Application“) and the features provided to you (“you“, “user“), in order to make money transfers (“P2P Transfer“) and/or replenish your cards with cash at SelfPay Payment Stations (“Cash2Card Transfer” and together with the P2P Transfer hereinafter referred to as “Services“). You can view this document at any time through the SelfPay Now Application, on the website www.selfpay.ro or you can send us a request at any time to the contact addresses provided below in order to obtain an electronic copy.
The SelfPay Now application is made available to you by Selfpay SA, a company headquartered in Bucharest, 153-155 E Dacia Boulevard, 2nd district, Romania, registered with the Trade Register Office under number J40/9919/2009, having the sole identification number RO26067497 (hereinafter referred to as “SelfPay“).
The services Cash2Card and P2P transfer provided within the SelfPay Now Application are provided by Libra Internet Bank S.A., a company headquartered in Bucharest, 6-6A Calea Vitan, section B, C, 1st, 6th, 9th, 13th floor, Phoenix Tower building, 3rd district, Romania, registered with the Trade Register Office under number J40/334/1996, having the sole identification number 8119644 and registered with the Register of Credit Institutions of the National Bank of Romania under no. RB-PJR-40-037 / 18.02.1999 (hereinafter referred to as the “Bank”).
Through the SelfPay Now Application, the Bank initiates and processes the payment orders corresponding to the transfers that you make with the technical support of the SelfPay Now application.
By using the Platform, you authorize the Bank to initiate and carry out transfers on your behalf by initiating payment orders. The initiation of the payment orders corresponding to the transfers requested by you through the Platform is carried out by the Bank.
For each transfer operation initiated by you, the Platform provides the technical infrastructure for initiating the payment order by the Bank. Afterward, the payment instructions are validated by the Bank and transferred to Romcard. The verification of the conditions necessary for the processing of the transfer, including, but not limited to, the verification of the accounts involved in the transfer operation, the verification of the availability of the payer’s funds, and similar ones, is carried out by Romcard.
By accepting these Terms of Use, you understand and confirm your consent to use the Application and the Services under the terms and conditions set forth in this document
For any question regarding these Terms of Use, please contact us at the e-mail address: contact@SelfPay.ro or/and info@librabank.ro
In order to create a user account for the use of Cash2card and P2P Services available in the SelfPay Now Application, you must be at least 14 years old on the date of first use.
In order to use the available Services, it is necessary to register your personal data and debit or credit cards according to the instructions set out on the registration page, including indicating your agreement to accept these Terms of Use at the time of creating the user account.
In order to use the Cash2Card Transfer and P2P Transfer Services, you will have to successfully complete the remote identification process by video means available in the Application, which involves verifying your identity, based on the identity documents ( for example identity card issued by the Romanian authorities) presented, the captured images and/or the information communicated, using video means. For this purpose, we use the services of the remote video identification service provider Onfido and some of its subcontractors. For more details regarding the processing of personal data used for remote identification, please access and consult the document “Information note on the processing of personal data” available in the Application and on the www.selfpay.ro website.
The user of the SelfPay Now Application undertakes the responsibility that he/she will not violate the provisions of these Terms of Use, which include the following rules:
The Seflpay Now application facilitates users’ access to the following Services:
(a) P2P Transfer. This involves an instant* money transfer service from the sender’s card to the recipient’s card using the channels provided by the Visa and MasterCard card organizations, the Bank and SelfPay; The service is provided under the conditions of providing the services stipulated in these Terms of Use. You can use this service to transfer money to your own cards or to the card of another user of the Application.
The payment recipient can be selected through the following methods:
The SelfPay Now application enables transfers only between its users, so when you want to make a transfer by accessing your contact list, you will be able to select only the phone numbers that are accompanied by the SelfPay Now symbol.
* Important: The maximum crediting and debiting time for cards involved in P2P transactions depends on the correct implementation by the card issuing banks of the mandatory flows for the Visa Direct and Moneysend services, services offered by the card organizations, Visa and Mastercard. Transfers to credit cards usually require a processing period of up to 2 working days, in exceptional situations that do not depend on the SelfPay system, this period can be extended. Transfers between debit cards are usually made within a maximum of 30 minutes from their initiation, but may require a processing period of up to 2 working days, in exceptional situations that do not depend on the SelfPay system, this period can be extended.
(b) Cash2Card Transfer. This involves an instant* funds transfer service on the application’s user card, using the channels provided by Visa and MasterCard card organizations, the Bank and SelfPay; The service is provided under the conditions of providing the services stipulated in these Terms of Use.
*Important: The maximum crediting time of the cards involved in Cash2Card transactions depends on the correct implementation by the card-issuing banks of the mandatory flows for the Visa Direct and Moneysend services, services offered by the card organizations, Visa and Mastercard. Transfers to credit cards usually require a processing period of up to 2 working days, in exceptional situations that do not depend on the SelfPay system, this period can be extended. Transfers between debit cards are usually made within a maximum of 30 minutes from their initiation, but may require a processing period of up to 2 working days, in exceptional situations that do not depend on the SelfPay system, this period can be extended.
Through the SelfPay Payment Stations provided and operated by SelfPay, the user of the SelfPay Now Application can deposit funds directly on his own card enrolled in the Application. You can use this Cash2Card Transfer service to fund with money only your own card enrolled in the Application.
The transaction status (found in the “Transaction Details”) is provided for informational purposes and is based on information submitted by SelfPay partners, information over which SelfPay has no control. For SelfPay, the moment when the transaction is considered as successfully completed is when the recipient of the funds has access to them.
The funds we refer to may be (i) in the form of cash; or (ii) in the form of a voucher that you have received from SelfPay as a result of your previous use of other SelfPay services made available to you through Payment Stations.
The flow of opening a user account in the Application, as well as enrolling the device is as follows:
The user undertakes the obligation to inform SelfPay, as soon as possible, about the modification / updating of personal data (e.g., name, e-mail address or telephone number) and identity documents with which the registration has been made. Thus, you can make any changes or updates to personal data directly from the user account, by accessing the section Menu> Profile> Edit.
You can thus modify the mandatory personal data at any time and/or insert/delete optional personal data.
Your personal data will be automatically verified by the Bank in order to know the clientele and prevent the risk of money laundering and terrorist financing in: (i) the lists administered by the Office for the Supervision of Foreign Assets (OFAC), including, but not limited to, the list of Specially Designated and Blocked National Persons; (ii) lists of European Union (EU) sanctions; (iii) the United Nations (UN) sanctions lists; (iv) PAN blacklist; (v) BIN blacklist.
You must register your card following the instructions provided in the Application. You should not attempt to register a card that is not issued on your name and/or does not belong to you and/or without complying with the contractual provisions regarding the use of the card agreed with the financial institution issuing the card.
You must not attempt to create an account with an identity document, a phone number or e-mail address that do not belong to you and /or are “disposable” /”burner”.
You must not apply for more than one user account. Each user has the right to hold only one user account in the Application. Any repeated or abusive attempt to create multiple user accounts in the Application reserves the right to suspend, restrict or terminate access to the Application and the provision of the Services.
You undertake the responsibility and will not provide false, inaccurate, incomplete or confusing documents and/or information at any time.
You will not be able to use the Services, until you provide the information requested in accordance with these Terms of Use and/or the Bank’s internal terms and policies and if you do not register at least one card.
Please note that we will review your registration process as soon as possible. It is at the exclusive discretion of the Bank if it will register and accept you as one of its clients in order to use the services provided by the Bank. If your registration is approved, you will be notified as soon as possible.
A user can download his data by pressing “Download my account data” from the” My Account” section.
5.1 Functionality. Additional Information
After successful registration and identity verification you will be able to use the Services available through the SelfPay Now Application, depending on the technical availability and monitoring practices of the bank issuing the payer’s and beneficiary’s card (and depending on the payment of any applicable fees and compliance with these Terms of Use) .
You may use the SelfPay Now Application and the Services only for personal purposes. They will not be used for business-related activities, illegal commercial activities, illegal financial transactions or to create an apparent legality regarding illegally obtained income and/or for any other transactions carried out in violation of the laws applicable in your country and any other international law. To the extent that, according to the applicable laws, the amounts of money that are the object of the Services used by you, become subject to fiscal obligations, these fiscal obligations and any related procedures always fall under your responsibility.
Periodically, in order to perform the client knowledge procedure (if required by law or banking regulations), you will need to provide some additional documents and information at the Bank’s request. Otherwise, access to the Services may be restricted.
These documents and information will include, but are not limited to, clear colour photographs or scanned copies of your identity documents, , documents confirming your residence address and any such documents that that are considered necessary.
The Bank reserves the right to request any additional documents and/or information regarding you, your transactions, and/or the payer, and/or the beneficiary of your transfer funds. The Bank will decide, at its own discretion, whether the documents and/or information provided are sufficient to enable you to use the Services or any part thereof.
5.2 Transaction limits
Your transfers may be subject to the limits associated with enrolled cards and the funds available on the card established with/by the card issuing banks.
The trading limits established by the Bank for the services Cash2Card Transfer and P2 TransferP provided through the Application are the following:
Limits for transferring and receiving funds: maximum 4,000 lei/month/card/user/account by Cash2Card and maximum 4,000 lei/month/card/user/account by P2P transfer. For the avoidance of doubt, the maximum amount of Cash2Card deposit cumulated with replenishment through P2P transaction is 8000 RON/month, and the maximum amount of transfer through P2P transaction to another user is 4000 Ron/month.
The RON 4,000 limits are calculated separately for sending funds (P2P Transfers) and receiving funds (including both P2P Transfers and Cash2Card Transfers), each with a 30-day limit calculation period starting from the date of the first valid transaction, whether it is a transfer or funds receipt transaction.
In the case of cards issued under the Visa logo, the following maximum limits apply:
Transaction limits apply for Cash2Card and P2P Transfers. Payments made through the SelfPay Now App either at the Pay Station or in the App are taken in consideration for the Limits calculation.
The minimum value for each transaction to transfer and receive funds is 5 RON/transaction. For the avoidance of any doubt, the minimum value of a Cash2Card top up is 5 RON, to which is added the respective commission. .
5.3 Permission
By using the Services, you authorize the Bank to receive and process transfers or deposits of funds on your behalf and to deduct any applicable Fees from those funds. The initiation of the payment/deposit orders corresponding to the transfers/deposits requested by you through the Application is carried out by the Bank.
As regards the P2P Transfers, the Bank will debit the amount of your transfers and any applicable Fees from your card balance at the time of the transaction. As regards the Cash2Card Transfers, the Bank will debit the applicable Commissions from the funds deposited to the SelfPay Payment Stations.
If you make a P2P Transfer or a Cash2Card Transfer, any applicable Fees will be added to the transaction value, so that the total amount of your transaction plus Applicable Fees will be debited from your card or, as the case may be, deducted from the funds deposited at SelfPay Payment Stations.
If you attempt to make a P2P Transfer that exceeds the balance available on your card at the time of your request plus any applicable Fees, then your request will not be processed.
In the unlikely event, for any reason, of a transaction that has been concluded with insufficient funds on your card, the amount due will be refunded by you if it is not due to an error. Where the amount due must be reimbursed by you, you will be asked to immediately deposit the funds on your card to reimburse the negative balance. Until the full amount is fully reimbursed to the Bank, the Bank may suspend your Services. If the Bank considers that the negative balance was intentionally created, this will be treated as potential fraud and will be followed by addressing the control bodies.
The fees and charges (“Fees“) related to the services are specified in the fees section for each P2P Transfer or Cash2Card Transfer. No user fees are applied for P2P Transfer operations. For Cash2Card transfer operations, the user is charged a commission of 1.5% of the transaction value, but not less than 5 RON per transaction.
The list of Fees can also be viewed on the website www.selfpay.ro.
If possible, we will notify you as soon as possible before doing so, or immediately thereafter, giving you our reasons, if your information does not compromise reasonable security measures or would otherwise be illegal.
Among other reasons, the processing of a transfer may be denied if:
You are required to make all reasonable efforts to prevent, or impede the use of the Application and Services for facts or acts of commerce, illegal financial transactions or the legalization of illegal income.
It is forbidden to use the Application and the Services for the purpose of legalizing illegal income, illegal activities, illegal trade, business purposes and any other transactions carried out in violation of the laws applicable in your country and in Europe.
If our investigations show that a transaction reported by you as unauthorized or incorrectly executed was in fact authorized by you, or you acted fraudulently or negligently (for example, without limited to by failing to secure the security features of the card, phone, application), you will be liable for losses incurred as a result of using the Services.
It is your obligation and responsibility to keep your identification data within the Application confidential and secure, as well as security information and any data related to your card and to never disclose it to anyone.
If another person gains access to your information, application or telephone by passing all security identification and validation checks, we will be entitled to treat any transaction and other transactions made by that person as valid and authorized by you and we will not be able to be held liable for any loss or damage that may be calculated as a result thereof.
All transactions made within the Application are encrypted, and card data will be securely stored and processed through the Bank’s systems. SelfPay stores only basic information about Cards, respectively: the first 6 and last 4 digits of the card number, the type of card (Visa or Mastercard) and the expiration date. SelfPay does not have access to the security codes of the cards enrolled in the Application. Complete card information is processed only by Romcard.
Contact us immediately if your identification data within the Application are used without your permission.
If you find that a P2P Transfer is not authorized by you, has been processed or has been executed incorrectly or has not been processed, you have the obligation to contact promptly and without delay the issuing bank of your card and us. Any delay in notification may result in your liability for any loss suffered.
We inform you that we are not liable to you if you incorrectly identify the intended beneficiary for a transfer. At the same time, you are responsible for the security of your account and the device on which the Application is installed. In addition, you are responsible for not sharing with anyone, at any time, your account name, password, account card data, and any other data that could lead to unauthorized use of your user account.
In order to be able to provide you with the Services and functionalities of the SelfPay Now Application, SelfPay and the Bank need your personal data. You can delete your account at any time, which will terminate the agreement between you and us and make it impossible for you to use the Services available in the Se;fPay Now Application.
To delete personal data related to the user account, you can always access the profile deletion button by following the steps below: Menu> Profile> Edit> Delete.
Following the deletion of the user account, the personal data associated with the account will be deleted, and to access the SelfPay services it will be necessary to create a new account. The personal data contained in the documents issued as a result of the provision of the Services will be kept for the periods imposed by the applicable legal provisions.
We are committed to complying with the security and confidentiality of data and we ensure you that all information will be stored securely and treated confidentially. All personal data collected within the Application are processed according to the legal provisions in force and the Information Note on the processing of personal data available, available in the Application and on the website www.selfpay.ro
We reserve the right to modify change and/or, as the case may be, remove the content, features, appearance, and/or structure of the Application according to the technological needs and to improve the Services provided to users at any time and without any prior information. Depending on the type of changes made, you may not be able to access the Services available within the Application until you have downloaded the latest version and accepted the updated terms of use or the additional terms of use if necessary.
Adding a new feature, product, or service within the Application, that does not involve modifying the terms and conditions for P2P Transfer Services and/or Cash2Card Transfer, we reserve the right to implement these additions immediately without prior notification. Please periodically check the Application to stay informed about such changes. This document will govern all such additions, except where they are governed by additional terms and conditions, in which case you agree that those additional terms and conditions will take precedence in the use of any new features, services, or products.
Selfpay also provides users of the Application access to services other than those provided above in this document, such as services that allow the payment of utility bills or fees, taxes or the purchase of goods or services from various suppliers with the cards enrolled in the Application. The additional services, their conditions of use and eligibility conditions will be made available and communicated to users through the Application and/or the SelfPay website. In order to access and use these services, please follow the steps indicated in the Application or at the SelfPay Payment Stations and/or consult the “Frequently Asked Questions” section of our website.
When you access certain services in the SelfPay Now Application (e.g., payment of taxes and related debts) to ensure your identification, you will have to go through and successfully complete the remote identification process by video means available in the Application, a process that involves verifying the identity of the users, based on the identification documents requested and presented, of the captured images and/or of the information communicated, using video means. For this purpose, we use the services of the remote video identification service provider Onfido and some of its subcontractors. For more details regarding the processing of personal data used for remote identification by video means, please access and consult the document “Information note on the processing of personal data” available in the Application and on the website www.selfpay.ro
Cards enrolled in the SelfPay Now App can be used for payment at SelfPay Payment Stations or to pay for the services available in the SelfPay Now App.
At the Payment Station, the payment with the chosen card can be initiated after choosing the option for payment with the SelfPay Now App from the Payment Station screen and scanning the QR code displayed on the Payment Station screen. The transactions for which the authentication is made at the Payment Station with the SelfPay Now App will be displayed in the Transaction History section in the SelfPay Now App, having also the possibility to download the proof of payment.
In the mobile app you can access the Services section, where you can select the services that can be paid for with cards enrolled in the SelfPay Now App. You can identify the provider either by selecting it from a catalog or through the universal identification service made available in the Application. Depending on the provider, you will also be able to make partial payment. Payment details can be found in the Transaction History section.
Some services (for example but not limited to payment of fees and taxes) will require for you to fill in your CNP. You can store your own CNP to benefit from the real-time query and visualization facility. The storage of the CNP can be executed by accessing one of the services that use this data, or by entering it directly in the User Profile.
The proof of payment in the SelfPay Now App will be available for download as a PDF file in the Transaction Details section. For certain services, you will have the option to request the issuance of a tax invoice. If you wish the invoice to be issued in the name of a legal entity, you are required to provide the relevant company details, such as the company’s Unique Identification Code (CUI), Trade Registry registration number, any other necessary information for the issuance of the invoice, as well as the email address to which you would like the invoice to be sent. Prior to confirming your invoice request, you are obligated to verify and validate the accuracy of the information entered and used within the application. SelfPay does not assume any responsibility for the accuracy or correctness of the data provided by the user within the application.
Minor users with limited exercise capacity (persons who have reached the age of 14 but have not reached the age of 18) may use the Application and the available services only within the limits permitted by the applicable legislation. If certain operations are reserved exclusively for persons who have reached the age of 18 (such as payment transactions for gambling, the purchase of tobacco, alcohol or other specific operations provided for by applicable law), minor users will not access such services, their use being restricted.
The content of the Application is protected by intellectual property law, including, without limitation, copyright law. All rights related to the information provided on or through the Application are the property of SelfPay. These include, without limitation: data, texts, technical sources of web pages, news, graphics, drawings, photographs, illustrations, images, logos, services, APIs and any other mentions. The content of the Application may not be reproduced, copied, translated or modified in any way, in whole or in part, without our prior written permission.
We may grant a limited, revocable and non-exclusive license to create a hyperlink to the main page of the Application, as long as this link does not describe in a false, wrong or offensive way SelfPay, the Bank, our partners or our affiliates. The license granted for the hyperlink does not allow you to use our trademarks without our prior written consent.
All intellectual property rights (including, without limitation, copyright and rights in the source code and databases) regarding the trademark, trademarks, logos and all materials in the Application are our property or used by us under a license or with permission of our partners, including the Bank.
Nothing in the Application shall be construed as implicitly or otherwise granting any license or right to use any trademark displayed in the Application without our written permission or that of our partners, including the Bank, who may own the trademark.
In case of violation of these terms, we can take, for the recovery of damages, SelfPay will resort to any and all necessary and applicable legal means, and for our protection, we can block the access of any user within the Application
Periodically, these Terms of Use may be subject to change. In such a situation, you will be notified at least 14 days in advance of the date on which the changes will take effect, by e-mail to the address indicated by you when you created your account. SelfPay SA can also use other communication methods in its relationship with you, such as SMS, push notifications or in-app notifications. This term will not apply to contractual changes imposed by the application of new legal provisions, such changes being applied depending on the date of entry into force of the respective regulations.
In case of an increase in any Charges or the introduction of new charges, the notification will be sent at least 60 days before the date on which the changes will take effect.
If we add a new product or service, we may add the product or service immediately and notify you of the terms and conditions of use before using it.
After the date of entry into force of any changes to the Terms of Use, the absence of a refusal made by you and the continued use of the Application and the Services will constitute your acceptance of such amendments.
If you do not agree with the notified changes, you will be able to inform us in this regard during the time periods until the entry into force of the notified changes. We will treat your communication as a notice of termination of these Terms of Use. In these circumstances, we will restrict your access to the Application and related Services.
We are not liable for any loss or damage suffered by you, caused by the causes specified below:
18. Miscellaneous
These Terms of Use are personal to you and you may not assign or otherwise transfer your rights and obligations therein. We may assign or transfer the benefits or obligations of these Terms of Use to another entity at any time, with reasonable notice in advance. If we do so, your rights will not be affected.
These Terms of Use will be governed by the laws of Romania. All disputes arising out of or in relation to these Terms of Use will be settled by the competent Romanian courts.
These Terms of Use are written and concluded in Romanian.
These Terms of Use are subject to amendment, modification or deletion if requested or found to be in conflict with applicable law or applicable regulations, without affecting the validity or enforceability of the remaining Terms of Use.
Failure to exercise or enforce any right under these Terms of Use will not be construed as a waiver of any right and will not act as an obstacle to the exercise or future application of that right at any time.
We may employ the services of one or more affiliates, subsidiaries, agents or subcontractors to fulfill our obligations.
The rights and remedies available to us under these Terms of Use are cumulative and are in addition to any other rights or remedies available to us under the law.
We have no liability to the User in respect of the requirements/conditions and/or any limitations/restrictions (and/or any violations by the User of such requirements/conditions/limitations/restrictions) regarding the use of the cards enrolled in the Application established by the financial institution issuing the Card.
If you want more details about the Services or the use of the Application or if you want to make a complaint or any suggestion about them, please contact us at:
SelfPay contact details: e-mail contact@selfpay.ro
Bank contact details: e-mail info@librabank.ro
SelfPay provides you with the option to access real-time support sessions through the Live Chat functionality, available in the “Help” section of the mobile application. During the support session, you may navigate within the application in order to perform the necessary operations, while simultaneously receiving real-time assistance from SelfPay representatives.
The communication with you will take place via e-mail at the address indicated by you when you created your account. SelfPay SA can also use other communication methods in its relationship with you, such as SMS, push notifications, or in-app notifications.
Any comments, questions, feedback, ideas, suggestions or other communications or information about or related to the SelfPay Now application, its functionality or improvement will remain the property of SelfPay SA.
Any user of the Application can address complaints to SelfPay SA as soon as he/she becomes aware of the disputed event, indicating the problem encountered and additional information necessary to identify the transaction, the phone number where he/she can be contacted and the address he/she wants to receive in writing the response to his complaint. Selfpay will send the user the reasoned response to the complaint, within a maximum of 10 business days from the date of receipt of his/her complaint.
For complaints that require complex investigations, the previously mentioned deadlines required by Selfpay to formulate the response to the user’s complaint may be extended. In this situation, the User will be contacted by Selfpay within 5 business days from the date of receiving the complaint and will be informed about the intermediate stage of resolving his/her complaint.
The deadline for registering a complaint is a maximum of 3 business days from the date of its receipt by Selfpay.
For any complaint received from the customer – addressed in writing or verbally, Selfpay SA will issue a verbal or written response, by e-mail or mail, to the address mentioned by the customer.
These Terms of Use apply starting with 23.04. 2025.
By checking the General Conditions regarding the provision of the SelfPay Now Application, you express your agreement to them.
By checking the Information on the processing of personal data, you acknowledge the conditions under which Selfpay SA and the Bank process personal data, this fact not being equivalent to the consent you give separately for marketing communications.