{"id":1212,"date":"2024-05-29T12:17:31","date_gmt":"2024-05-29T12:17:31","guid":{"rendered":"https:\/\/staging.www.selfpay.ro\/?page_id=1212"},"modified":"2026-04-02T16:03:57","modified_gmt":"2026-04-02T16:03:57","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/www.selfpay.ro\/en\/legal\/selfpay-now\/terms-and-conditions\/","title":{"rendered":"Legal – SelfPay Now – Terms and conditions"},"content":{"rendered":"

IDTERMS AND CONDITIONS OF USE OF THE SELFPAY NOW MOBILE APPLICATION\u00a0 <\/strong><\/p>\n

(Terms of Use)<\/strong><\/p>\n

    \n
  1. Terms of Use<\/strong><\/li>\n<\/ol>\n

    These terms of use (“Terms of Use<\/strong>“) encompass the terms and conditions of use of the SelfPay Now mobile application (“SelfPay Now Application<\/strong>” or “Application<\/strong>“) and the features provided to you (“you<\/strong>“, “user<\/strong>“), in order to make money transfers (“P2P Transfer<\/strong>“) and\/or replenish your cards with cash at SelfPay Payment Stations (“Cash2Card Transfer<\/strong>” and together with the P2P Transfer hereinafter referred to as “Services<\/strong>“). You can view this document at any time through the SelfPay Now Application, on the website www.selfpay.ro<\/a> or you can send us a request at any time to the contact addresses provided below in order to obtain an electronic copy.<\/p>\n

    The SelfPay Now application is made available to you by Selfpay SA<\/strong>, a company headquartered in Bucharest, 153-155 E Dacia Boulevard, 2nd district, Romania, registered with the Trade Register Office under number \u00a0J2009009919407, having the sole identification number RO26067497 (hereinafter referred to as “SelfPay<\/strong>“).<\/p>\n

    The services Cash2Card and P2P transfer provided within the SelfPay Now Application are provided by Libra Internet Bank S.A<\/strong>., 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 \u201cBank<\/strong>\u201d).<\/p>\n

    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.<\/p>\n

    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.<\/p>\n

    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.<\/p>\n

    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<\/p>\n

    For any question regarding these Terms of Use, please contact us at the e-mail address: contact@SelfPay.ro<\/a> or\/and info@librabank.ro<\/a><\/p>\n

      \n
    1. General eligibility conditions<\/strong><\/li>\n<\/ol>\n

      In order to create a user account for the use of Cash2card and P2P \u00a0Services available in the SelfPay Now Application, you must be at least 14 years old on the date of first use.<\/p>\n

      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.<\/p>\n

      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.<\/p>\n

      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:<\/p>\n

      a) you will not use a card blocked by the financial institution issuing the card;<\/p>\n

      b) you will be able to enroll a maximum of 3 active cards per user issued under the MasterCard or Visa logo; A particular card may be moved between not more than two separate accounts.<\/p>\n

      c) both your cards and the cards of the beneficiary of a P2P Transfer are valid and are issued by financial institutions in Romania; The application also allows P2P Transfers and Cash2Card Transfers and between\/on cards that have an identification number (BIN) assigned to the payment instrument issuance services carried out in Romania by the institutions authorized for this purpose. Any cards with BIN corresponding to Romania, issued by banking institutions, payment institutions, electronic money institutions or other institutions authorized to issue payment instruments under Community and national regulations on payment services may be registered within the Application.<\/p>\n

      d) both you and the beneficiary of a P2P Transfer carry out operations on personal devices and SIM cards issued by mobile operators in Romania or in other Member States of the European Union;<\/p>\n

      e) both you and the beneficiary of a P2P Transfer are citizens or residents of the same country where the Application operates, respectively Romania;<\/p>\n

      f) you have a mobile device with the Android or iOS operating system updated to the latest version available for your device;<\/p>\n

      g) you will comply with the trading limits set out in Section 5.2 below.<\/p>\n

      h) if you are a minor with limited capacity to exercise (persons who have reached the age of 14 but have not reached the age of 18), you have been assisted by and have obtained the authorization of your legal representatives (your parents\/guardian) to access the Application, use our services and to accept these Terms of Use, at least when the provisions of the Romanian Civil Code provide for the obligation to obtain the consent of legal representatives or other similar authorizations<\/p>\n

      i) the enrollment of the card in the Application in order to use the services will be carried out exclusively by performing by you the Strict Customer Authentication procedure, or, as the case may be, by your legal representatives, an authentication and authorization procedure that involves the use of multiple security elements in accordance with the provisions agreed with the financial institution issuing the card.<\/p>\n

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      1. Functionalities and Services<\/strong><\/li>\n<\/ol>\n

        The Seflpay Now application facilitates users’ access to the following Services:<\/p>\n

        (a) P2P Transfer.<\/strong> 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.<\/p>\n

        The payment recipient can be selected through the following methods:<\/p>\n

          \n
        1. \n
            \n
          1. Phone number<\/strong>: If it’s saved in the phone’s contacts, access the “Transfer” section from the main screen of the SelfPay Now app. Choose the desired number or enter the person’s name in the search field.<\/li>\n
          2. Alias<\/strong>: When personal data should remain private and the recipient is remote and has provided his\/her Alias. Access the “Transfer” section from the main screen of the SelfPay Now app and enter the received Alias in the same search field.<\/li>\n
          3. QR code<\/strong>: When personal data should remain private, the recipient is in proximity and can display a QR code, and access the “Transfer” section from the main screen of the SelfPay Now app. Select the “QR code” icon located in the search field.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n

            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.<\/p>\n

            * 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.<\/p>\n

            (b) Cash2Card Transfer.<\/strong> This involves an instant*\u00a0 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.\u00a0<\/p>\n

            *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.<\/p>\n

            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.<\/p>\n

            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,\u00a0 the moment when the transaction is considered as successfully completed is when the recipient of the funds has access to them.<\/p>\n

            The funds we refer to may be (i) in the form of cash; or (ii) in the form of a change voucher that you have received from SelfPay as a result of your previous use of the Cash2Card service or other SelfPay services made available to you through Payment Stations.<\/p>\n

              \n
            1. Opening the account and using the Application<\/strong><\/li>\n<\/ol>\n

              The flow of opening a user account in the Application, as well as enrolling the device is as follows:<\/p>\n

                \n
              1. The SelfPay Now application is downloaded from mobile application stores, such as Google Play Store, Apple AppStore and Huawei App Gallery;<\/li>\n
              2. It is necessary to register with your e-mail address which will be subsequently validated by a dynamic code, sent to the declared e-mail address, a code that must be entered in the Application to continue the registration flow. If you close the Application, the enrolment flow must be resumed.<\/li>\n
              3. To register, it is necessary to enter the following data: name and surname and e-mail address. Later, you will need to enter your phone number. The phone number must not be associated with any other account associated with the SelfPay Now Application. The phone number will be validated by generating a dynamic code that will be sent via SMS. If you close the Application, the phone number association flow must be resumed.<\/li>\n
              4. In order to access the Cash2Card and P2P Services and for certain additional services, it is necessary to successfully complete the remote identification process by video means available in the Application.<\/li>\n
              5. In order to use the services, it is necessary to enter data about the cards you have in the secure page displayed by the Bank, as well as the home address.<\/li>\n
              6. It is necessary to set a PIN immediately after registering the first card for the security of the Application. If you close the Application, the PIN setting flow must be resumed. After that, you can enable biometric authentication and\/or push notification depending on the capabilities of your phone. When activating the biometric authentication, it is necessary to validate the authentication with the biometric factor that is already registered at the level of the device. We inform you that the PIN and biometric information are only stored on your device and such data are not stored on SelfPay or Bank servers.<\/li>\n
              7. In order to use the SelfPay Now Application, it is necessary to insert the name, surname, e-mail address, home address and telephone number. Additionally, optionally, you can insert: the date of birth and gender.<\/li>\n<\/ol>\n

                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<\/strong>.<\/p>\n

                You can thus modify the mandatory personal data at any time and\/or insert\/delete optional personal data.<\/p>\n

                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.<\/p>\n

                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\u00a0 issuing the card<\/p>\n

                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”.<\/p>\n

                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.<\/p>\n

                You undertake the responsibility and will not provide false, inaccurate, incomplete or confusing documents and\/or information at any time.<\/p>\n

                You will not be able to use the\u00a0 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 valid card.<\/p>\n

                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.<\/p>\n

                A user can download his data by pressing “Download my account data” from the\u201d My Account\u201d section.<\/p>\n

                  \n
                1. Use of the Application and the Services <\/strong><\/li>\n<\/ol>\n

                  5.1 Functionality. Additional Information<\/strong><\/p>\n

                  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).<\/p>\n

                  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.<\/p>\n

                  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.<\/p>\n

                  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.<\/p>\n

                  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.<\/p>\n

                  5.2 Transaction limits<\/strong><\/p>\n

                  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.<\/p>\n

                  The trading limits established by the Bank for the services Cash2Card Transfer and P2 TransferP provided through the Application are the following:<\/p>\n

                  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.\u00a0For 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.<\/p>\n

                  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.<\/p>\n

                  In the case of cards issued under the Visa logo, the following maximum limits apply:<\/p>\n