Terms of Service

You may, at any time and at no cost to you, obtain a copy of these Terms and Conditions applicable to you by accessing the Pay-Me Website and downloading the version available on that website. Alternatively, you may contact us at info@pay-me.co.uk and they will provide a copy to you via e-mail or post.

1. Information about service providers

1.1 Pay-Me is a payment technology company, not an authorised Payment Initiation Services Provider (PISP).

1.2 Payment Initiation Services within Pay-Me's technology are solely provided by GoCardless, a company incorporated and registered in England and Wales with company number 07495895, and authorised and regulated by the Financial Conduct Authority (FCA), with reference number 597190, whose registered office is GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom.

1.3 As an FCA authorised PISP, GoCardless. provides AIS and PIS as set out in paragraphs 1(g) and 1(h) of Schedule 1 of the Payment Services Regulations 2017 (SI 2017/752) and defined in Regulation 2 of the Payment Services Regulations 2017 (SI 2017/752).

2. Definitions

2.1 The following capitalised terms have the following meanings in these Terms and Conditions:

“Agreement” means these Terms and Conditions and our Privacy Policy

“Account Servicing Payment Service Provider” or “ASPSP” means any payment service provider that maintains a Payment Account on your behalf, including a bank or credit institution, that is accessible online using the Services;

“Applicable Law” means any and all applicable laws, legislation, bye-laws, decisions, notices, statutes, orders, rules (including any rules or decisions of court), regulations, directives, edicts, schemes, warrants, local government rules, statutory instruments or other delegated or subordinate legislation and any directions, codes of practice issued pursuant to any legislation, voluntary codes, other instruments made or to be made under any statute and codes of conduct and mandatory guidelines (including in all cases those that relate to audit, accounting or financial reporting) and which have legal effect, whether local, national, international or otherwise existing from time to time, together with any similar instrument having legal effect in the relevant circumstances;

“ASPSP Terms and Conditions” has the meaning set out in paragraph 3.2 below;

“Pay-Me Website” means https://www.pay-me.co.uk/

“Party or Parties” means respectively Pay-Me or you or both;

“Payment Order” means any instruction by you to us requesting the execution of a Payment Transaction;

“Payment Account” means a payment account held by you with an ASPSP;

“Payment Initiation Services” has the meaning set out in paragraph 3.1 below;

“Payment Transaction” means an act initiated by you to transfer funds to a payee;

“Privacy Policy” has the meaning set out in section 10 below;

“Services” means the services that we provide to you as set out in section 3 below;

“Website” means the website or mobile application through which you have accessed our Services;

3. Our services

3.1 Under these Terms and Conditions Pay-Me shall redirect you to GoCardless who will provide you with services for initiating a Payment Transaction directly from your Payment Account to a payee (the “Payment Initiation Services”).

3.2 The terms and conditions that apply to the Payment Accounts that you access through our Services (the "ASPSP Terms and Conditions") will remain in effect and this Agreement does not change your ASPSP Terms and Conditions.

3.3 The Services that are available and the manner by which the Services are delivered may vary depending on the type of device you are using, the type of Payment Account(s) you have and you ASPSP Terms and Conditions.

3.4 We will not charge you for your use of the Services.

4. Eligibility

4.1 You are only permitted to use the Service under the following conditions:

a. if you are aged 18 or over and resident in the United Kingdom (“UK”);

b. if your Payment Account and ASPSP are located in the UK [or European Economic Area];

c. if you are able to provide us with accurate, complete, and up-to-date information and do not misrepresent your identity or any other information about you;

d. you agree to this Agreement and to use our services in accordance with this Agreement; and

you agree to comply with all Applicable Laws.

e. By agreeing to these and Conditions you represent that each of conditions in paragraph 4.1 apply to you.

5. Payment Initiation Services

5.1 The Payment Initiation Services provided by GoCardless. will allow you to make an online Payment Transaction from one or more of your Payment Accounts.

5.2 Before receiving Payment Initiation Services from GoCardless., you will have received a link to make an online payment as a result of receiving and/or wishing to purchase goods and/or services. Upon clicking this link, you will generally be redirected to our widget where the Payment Initiation Service will be executed by GoCardless.

5.3 When you are redirected to the widget, you will be asked to review and confirm your Payment Order details, including:

a. the payment amount;

b. details of the recipient including its name;

c. any other information which we feel is necessary to review.

5.4 GoCardless may include the recipient information set out in this paragraph 5.3 for you in certain circumstances. It is your responsibility to review and ensure that all of the Payment Order details provided to GoCardless under paragraph 5.3 are correct before you confirm the Payment Order.  You must ensure that the merchant recipient details are correct as you may not be able to recover a payment that is sent to an incorrect account or recipient.

5.5 Prior to initiating a payment transaction, you will be asked to confirm the details of the Payment Order and provide explicit consent for GoCardless. to send the Payment Order to your ASPSP for execution.

5.6 You will be asked to select the ASPSP and Payment Account from which you will fund the Payment Order and you shall be redirected to your ASPSP’s website or mobile application, as appropriate, in order to authenticate your identity consent to the transaction with your ASPSP.

5.7 As the Payment Order relates to a Payment Transaction that is to be executed by your ASPSP immediately, you will not be able to cancel that Payment Order with GoCardless once you have provided your confirmation and explicit consent in accordance with paragraph 5.6 above.

6. Unauthorised or incorrect payments

6.1 If you suspect that an incorrect or unauthorised payment has been made using the Payment Initiation Services provided by GoCardless. you must contact us as soon as possible by emailing info@pay-me.co.uk.  You should also contact your ASPSP as soon as possible by using the contact details provided by your ASPSP Terms and Conditions.

6.2 You may be entitled to a refund for any incorrect or unauthorised payment from your ASPSP but you must notify them without delay and in any event no later than 13 months in accordance with the relevant section of the ASPSP Terms and Conditions.

6.3 Your ASPSP may contact you directly, and not through us or the Website, if there is an issue with a Payment Order submitted through us (such as an issue with your authorisation of a Payment Order or a lack of funds in your Payment Account). Any such issues raised may need to be resolved directly with your ASPSP.

7. Communication

7.1 We may provide you with notices / communications in connection with the Services via a notification available on the Pay-Me Website.

7.2 We shall not hold your home address, email address, or any other contact information relating to you.

7.3 You may also receive Pay-Me notices/communications by contacting us at:

Telephone number: +44 (0) 207 859 4662

Email address: info@pay-me.co.uk

7.4 All notices / communications made in respect of this Agreement, and any provided under it by us, will be in English.

8. Termination

8.1 This Agreement between you and us and which governs your use of the Services will continue until terminated in accordance with this section 8.

8.2 This Agreement between us shall be terminated without notice: upon the execution of a Payment Transaction; or if you have not completed a Payment Order, by exiting our services and being redirected back to the Website.

8.3 We may cancel this Agreement with you, with immediate effect, by giving written notice:

a) if you breach any term of this Agreement and, where applicable, fail to resolve the matter to our satisfaction in a timely manner;

b) if you breach any Applicable Law including but not limited to any anti-money laundering laws; and / or

c) in the event of your death or incapacity.

8.4 We may cancel this Agreement with you for any reason by giving you at least two months’ written notice.

9. Changes to this Agreement

We may amend this Agreement at any time by uploading the updated Agreement on to our Website.

10. Data

We process your data in accordance with our Privacy Policy which is available on our website at www.paywithPay-Me.com/privacy-policy (the “Privacy Policy”).

11. Liability

11.1 We are not liable to you for any harm, damage or loss to you arising from the acts or omissions of any third parties, in particular your ASPSP(s) and the owner or operator of a Website.

11.2 We are not liable if your ASPSP does not act on your instructions or it incorrectly carries out your instructions:

a) because of any reason set out in this Agreement;

b) because of something we are unable to reasonably control that prevents us from offering any service; or

c) in order to comply with any legal and regulatory requirements (including Applicable Law).

11.3 We are not liable for any losses or costs you suffer: that we could not have reasonably foreseen and did not have explicit knowledge could occur; or where they were caused by the fact that you had not duly performed any of your obligations under any Agreement.

11.4 Nothing in this Agreement shall exclude or limit our liability for:

a) death or personal injury caused by our negligence;

b) our fraud or fraudulent misrepresentation; and / or

c) any deliberate breach of this Agreement.

12. Force Majeure

We shall not be liable for any delay or failure in the performance or in delivery or our Services, or for any damages suffered by you by reason of such delay or failures, directly or indirectly caused by or in any manner arising from or connected with acts of God, acts of public enemies, riots, disease (including epidemics and / or pandemics), strikes, acts of governmental agencies, labour difficulties, failure of our power, telecommunications or other suppliers, delays in securing or shortages of raw materials, breakdown or destruction of any system or equipment, or any other cause or causes beyond our control, whether or not similar to those enumerated herein.

13. Applicable Law and Dispute Resolution

13.1 This Agreement will be governed by English law and the courts of England and Wales will have exclusive jurisdiction over any claim, dispute or matter arising under or relating to this Agreement.

13.2 You shall have the right to submit any complaints about the services provided to you by e-mail to us.  We will handle all complaints in accordance with our Complaints Handling Procedures, a summary of which is set out on the Website. We may, however, direct you to your ASPSP if your complaint relates to the services provided under the ASPSP Terms and Conditions or involves an incorrect or unauthorised payment in accordance with 6 above.

13.3 We are not responsible for any complaints or disputes about purchases made using the Payment Initiation Services provided by GoCardless. You should settle these with the person from whom you bought the goods or services. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased using the Payment Initiation Services provided by GoCardless. Remember that once you have used the Payment Initiation Services provided by GoCardless. to make a purchase, we cannot cancel or stop that Payment Transaction.

13.4 We are also not responsible for any complaints or disputes about products and/or services provided by other third parties or your ASPSP Provider. You should settle these with the relevant third party or ASPSP directly.

13.5 If you are an individual or micro enterprise and we have not replied to a duly submitted customer complaint within 15 days, then you may have a right to seek recourse from the Financial Ombudsman Service.  The terms for seeking recourse from the Financial Ombudsman Service are stipulated in more detail on the website of the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk.

13.6 If you are an individual you may also submit your complaint through the European Commission's Online Dispute Resolution website.  The European Commission may then refer your complaint to the Financial Ombudsman Service.  You can find more information at https://ec.europa.eu/consumers/odr/.

14. General

14.1 If any provisions of any Agreement are void, invalid or unenforceable, then it shall not cause the entire Agreement to be void, invalid, unenforceable or release the Parties from performing the remaining obligations of the Agreement.

14.2 Unless the right of enforcement is expressly granted, it is not intended that any provision of this Agreement shall be enforceable by virtue of the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to this Agreement.

14.3 You shall not have the right to transfer any rights or obligations under any Agreement to a third party without our consent.

14.4 You may not transfer, assign, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all of your rights and obligations under this Agreement without our prior written consent.  We shall have the right to assign, transfer or novate the Agreement or any rights and obligations under any Agreement to a third party without your consent.

14.5 This Agreement and other documents referenced in or linked to this Agreement, which are hereby incorporated herein and made a part of this Agreement by this reference, contain yours and our entire Agreement regarding your use of the Services.

14.6 If we delay in asking you to do certain things or in taking action, it will not prevent us taking steps against you at a later date.

14.7 Nothing in this Agreement shall be deemed to create any form of partnership, joint venture or any other similar relationship between you and us, and/or other individuals or entities involved with providing the services under this Agreement.

By signing up for and using the Pay-Me app, you agree to these terms. Please read our privacy policy. It explains how we’ll use your personal information and gives details about how we use cookies. The privacy policy is available at www.pay-me.co.uk/privacy-policy.

About Pay-Me

You can use the Pay-Me app to ask someone to make a payment to you by sending them a link, which will redirect them to make that payment directly to your bank account.  The app also enables you to see what payment requests you’ve sent, and who has made payments to your bank account.

1. Information about the service

1.1 When you sign up to use Pay-Me, we’ll ask you to enter your bank account details. This bank account is where any payments you’re sent via our payment checkout will go. We’ll store these details within the app, so you don’t have to enter them again.

1.2 Pay-Me is a payment technology company, not an authorised Payment Initiation Services Provider (PISP).

1.3 Payment Initiation Services within Pay-Me.’s technology are solely provided by GoCardless, a company incorporated and registered in England and Wales with company number 07495895, and authorised and regulated by the Financial Conduct Authority (FCA), with reference number 597190, whose registered office is GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom.

1.4 As an FCA authorised PISP, GoCardless. provides AIS and PIS as set out in paragraphs 1(g) and 1(h) of Schedule 1 of the Payment Services Regulations 2017 (SI 2017/752) and defined in Regulation 2 of the Payment Services Regulations 2017 (SI 2017/752).

2. Data

2.1 You should read our privacy policy, which explains how we’ll use your personal information and sets out our rights and obligations in relation to relevant data protection laws. By agreeing to these terms, you also explicitly consent to us accessing, processing, and retaining any personal data we get as a result of providing this service to you.

2.2 Don’t worry – you can withdraw your consent at any time. If you do, we’ll stop using your data for this purpose, but we may need to continue to process your data for other purposes where we have other lawful grounds to do so – for example, where we are legally required to keep records of transactions.

2.3 We can view, monitor, and analyse any of your Pay-Me-related activity.

2.4 The data you provide for the purposes of using Pay-Me will only be stored for the duration of this agreement.

3. User requirements

3.1 Your right to access and use Pay-Me is specific to you and isn’t transferable.

3.2 The information you provide us must be accurate, complete and up to date, and mustn’t give a false impression of your identity.

3.3 You shouldn’t use Pay-Me or any software we provide for any unlawful purpose or in a manner that is inconsistent with this agreement. You shouldn’t copy, adapt, alter, modify, or reverse-engineer any part of Pay-Me or allow someone else to do the same.

3.4 You must always keep any device used to access Pay-Me secure.

4. Access / Availability

While we want you to be able to use Pay-Me whenever you want, occasionally repairs, updates and maintenance on our systems may mean some or all of Pay-Me won’t be available for a while, or may mean Pay-Me is slow for a short time. If you suffer a loss because of this, we won’t be responsible for that loss.

5. Liability

5.1 Although we’ll always try and give you the best service possible, we aren’t responsible for any loss or damage you suffer if we can’t perform our obligations under this agreement because of any:

a. Legal or regulatory requirements; or

b. Unforeseeable or unusual circumstances which are outside our (or our agents’ and/or subcontractors’) control and which we couldn’t have avoided despite all efforts to prevent it – for example, industrial action or mechanical failure.

5.2 We’ll be responsible for any loss or damage you suffer if it’s a predictable outcome of us breaching this agreement, or if we fail to protect your information and keep it secure as required by relevant law(s). We’ll also be responsible for any obligation we’ve breached if we can’t limit or exclude that obligation as a matter of law.

6. Modifications to this agreement

6.1 We’ll usually let you know about changes we’re making to this agreement by email, but we might also let you know by using SMS, online notifications or any other appropriate messaging service.

6.2 As long as we give you at least 30 days’ notice in advance, we can:

a. change any of these terms, including introducing or changing a charge, or withdrawing Pay-Me; or

b. end your use of Pay-Me.

6.3 If we make a change to this agreement that benefits you, we can just tell you about this change at the time we make it.

6.4 Your notice period will start from the date we let you know about the change.

6.5 We can change this agreement for a reason set out below. If we do change this agreement, the change we make will be a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us:

a. to respond to a change, or a reasonably anticipated change, in regulatory requirements – for example, if the law changes, or our regulator changes its rules or provides updated guidance;

b. to reflect a change in the cost of providing Pay-Me;

c. to reflect changes we have made to Pay-Me; or

d. to do something that is to your advantage.

6.6 As this agreement has no fixed end date, we may also need to make changes to this agreement for other reasons that we can’t predict right now, but we’ll always explain the impact that change will have on you.

6.7 You don’t have to accept any changes – you can always end this agreement without explanation or charge by telling us before the change comes into effect. You can also end this agreement at any time after we make the change, but the change will apply to you until you do.

6.8 If you keep using Pay-Me after the change is made, we’ll assume you’ve accepted the change.

7. Termination

7.1 This agreement will continue until you or we end it in the ways set out below.

7.2 You can end this agreement and your use of Pay-Me at any time without explanation or charge by contacting us using the contact details set out in “How can you contact us?”.

7.3 We may suspend, restrict or stop your use of Pay-Me where:

a. You’ve seriously or repeatedly broken the terms of this agreement;

b. We’ve reason to believe that you are engaging in, or facilitating, illegal activity;

c. You’ve provided us with false or materially incomplete information;

d. You’ve allowed someone else to use Pay-Me to access your data;

e. You’ve behaved improperly towards us (for example, you’ve been threatening, abusing or harassing a member of staff);

f. You’ve caused us to, or may cause us to, break a law, regulation, code, or other requirement, obligation or duty that applies to us; or

g. There’s been, or we suspect there’s been, a breach of security or misuse of Pay-Me.

7.4 We can also end this agreement and your use of Pay-Me at any time without giving you a reason by giving you at least 30 days’ notice.

8. Contact information

8.1 You can get in touch with us by emailing us at info@pay-me.co.uk

8.2 If we need to contact you about Pay-Me, we’ll normally do this via email.

8.3 We’ll also get in touch with you in any other way that is personal to you. This may include SMS, online notifications or any other appropriate messaging service.

8.4 Please tell us if your name or contact details change, including any email addresses, mobile phone numbers or other contact details, so we can keep in touch. If you don’t, we won’t be responsible if you don’t get any information or notices from us.

9. Complaints

9.1 We want to provide you with the best service we possibly can, so if you have a suggestion for how we can improve, or you’re disappointed with our service, we want to hear from you. Get in touch using the contact details set out in “How can you contact us?”.

9.2 We’ll acknowledge your complaint within three business days, and we’ll keep you informed of our progress until your complaint is resolved. If you’d like a copy of our complaints procedure, just contact info@pay-me.co.uk at any time.

9.3 You may also be able to refer your complaint through the European Online Dispute Resolution Platform (available at ec.europa.eu/consumers/odr/). This platform was established by the European Commission to provide an online tool for consumers to resolve disputes about goods and services purchased online.

10. General

10.1 All the information we give you, and every communication we have with you, will be in English.

10.2 If we choose not to enforce or rely on any of these terms at any time, we can still apply the terms again at any time.

10.3 If a court of competent jurisdiction says any part of this agreement is invalid, unlawful or unenforceable, that part of the agreement will be severed from the rest of the agreement (which means we won’t be able to enforce that part of the agreement). However, the rest of the agreement will continue to be valid and enforceable to the fullest extent permitted by law.

10.4 We recommend that you print or download this agreement and keep a copy of it so you can look at it in the future. The most up to date version of this agreement is available on our website at www.pay-me.co.uk/terms-of-service or via our App by clicking on “Settings” then “Terms of Service”.

11. Applicable law

This agreement (and all our dealings with you before the agreement) is governed by the laws of England and Wales. Any dispute that arises regarding this agreement will be dealt with by any court in the United Kingdom that is able to hear the case.