GOPAY means the company GoPay Czech, odštěpný závod zahraniční právnické osoby Worldline NV, Kingdom of Belgium, with its registered office at Senovažné nám. 1736, 370 01 České Budějovice, company registration number: 22177469, registered in the Commercial Register maintained by the Regional Court in České Budějovice, Section A, Insert 11596. The terms “we”, “us”, “our” and similar used in these Terms and Conditions have the same meaning. GOPAY is a payment institution within the meaning of the Payments Act and operates the GoPay Payment System.

These rules for using the PIS-GoPay service set out the obligations of both parties arising from the use of this service.

Use of the PIS-GoPay service is conditional on your consent to using the AIS-GoPay service at the same time under the relevant rules, as set out below.

The GoPay Payment Gateway means the application for carrying out payment transactions, which integrates the individual payment methods and facilitates the transfer of funds into the GoPay Payment System environment.

The PIS rules mean these rules for the use of the payment initiation service (PIS) by the GoPay Payment System. The PIS rules are issued by GOPAY.

The AIS rules mean these rules for the use of the account information service (AIS) by the GoPay Payment System. The AIS rules are issued by GOPAY.

The PG terms mean the terms of use of the GoPay Payment Gateway. The PG terms are issued by GOPAY.

The Terms and Conditions mean the terms governing the formation and termination of the Contract on the issuance and use of Electronic Money between us and you as the holder of Electronic Money, and also the obligations of both parties. The Terms and Conditions are issued by GOPAY.

The PA means the implementation of European Directive 2015/2366 into Czech Act No. 370/2017 Coll., on payments, as amended.

Terms with an initial capital letter used in these PIS rules have the meaning defined either in these PIS rules, in the PG terms or in the Terms and Conditions.

The PIS rules set out the rules governing the use of the payment initiation service by the GoPay Payment System for its Clients (PIS-GoPay).

You become entitled to use the PIS-GoPay service as a function of the GoPay Payment System at the moment you confirm that you agree to these PIS rules.

The payment initiation service (PIS-GoPay) consists in GOPAY, on your instruction, initiating a payment order over the internet to transfer funds from your payment account to another account you specify.

The PIS-GoPay service is intended in particular for paying for goods or services purchased on the internet, or for topping up your personal GoPay account.

GOPAY does not receive funds in order to carry out the payment transaction.

You acknowledge and accept that the PIS-GoPay service is only one of the functions of the GoPay Payment System and that using it is purely a matter of your free choice.

GOPAY will make your personalised security credentials available only to you and to the party that issued them (usually your bank).

You acknowledge and expressly agree that data about you, with the exception of personalised security credentials, will be shared with the payee. The extent of the data shared is governed by the Privacy policy.

The procedure for using the PIS-GoPay service is as follows:

Immediately after the steps under paragraph 6.4 have been carried out, GOPAY passes the order to carry out the payment transaction to your bank.

Your bank confirms that the payment order has been accepted or refused.

Once the payment order has been received by your bank:

The fee for the PIS-GoPay service is given in the Fee Schedule, unless agreed otherwise.

You acknowledge that you bear the loss arising from an unauthorised payment transaction:

Liability for an unauthorised payment transaction outside the cases under paragraph 6.9 is borne by your bank. Your bank is likewise liable for the incorrect execution of a payment transaction carried out contrary to the payment order you submitted through the PIS-GoPay service.

A complaint about an unauthorised or incorrectly executed payment transaction is made with your bank without undue delay after you learn of it, but at the latest within 13 months of the day the relevant amount was debited from your bank account.

The PIS-GoPay service may be temporarily deactivated where we come to suspect unauthorised or fraudulent use of the payment instrument or of your personalised security credentials.

The service may also be suspended in other cases that constitute a breach of the Terms and Conditions or of the Security Rules.

The PIS-GoPay service is not available during operational outages or planned maintenance windows.

We are entitled to amend the PIS rules unilaterally according to the rules and conditions set out in this article. You agree to this entitlement.

The PIS rules are issued in electronic form and are available on our website.

Matters not regulated here in the PIS rules are further governed by the PA and the Terms and Conditions.

With any disputes that may arise between us and you when using the PIS-GoPay service, you can also turn to the Financial Arbitrator of the Czech Republic (Czech Act No. 229/2002 Coll., as amended), with its registered office at Legerova 1581/69, 110 00 Prague 1. Your right to turn to the courts is not affected by this; disputes under the Contract are heard and decided before the courts of the Czech Republic, unless mandatory legislation requires otherwise. Disputes between you and us can also be resolved through mediation under Czech Act No. 202/2012 Coll., on mediation.

The supervisory authority for our activities in the area of combating money laundering is the Czech National Bank, with its registered office at Na Příkopě 28, 115 03 Prague 1, Czech Republic. The supervisory authority for all other regulated activities is the National Bank of Belgium, with its registered office at de Berlaimontlaan 3, 1000 Brussels, Belgium. You have the right to lodge a complaint with these supervisory authorities. You can also address your suggestions or complaints to the Office of the Public Defender of Rights, with its registered office at Údolní 39, 602 00 Brno, e-mail: [email protected], telephone: +420 542 542 888..

You are liable, regardless of fault, for any damage (harm) caused by a breach of these PIS rules and, if you are a registered user of the GoPay Payment System, of the PG terms, the Terms and Conditions or the Security Rules.

The PIS rules take effect on 1 April 2025.