The GoPay company is the GOPAY s.r.o. trade company, with its registered office in Planá 67, 370 01 České Budějovice, company identification number: 260 467 68, incorporated in the Commercial Register kept by the Regional Court in České Budějovice, Section C, Entry 11030. The same meaning applies to other terms, such as “we”, “us”, “our”, etc. The GOPAY company is an electronic money institution, emitting electronic money in the meaning of S. 4 of Czech Act No. 370/2017 Sb., on Payments, and which is a provider of the GoPay Payment system.
These terms of the use of the PIS-GoPay service specify obligations of both parties arising from the use of this service.
GoPay payment gateway is an application used for making payments and transactions, with its purpose to emit Electronic money or make Electronic money payments, and which integrates specific payment methods and facilitates transfer of financial funds to the GoPay Payment system environment.
PIS terms means these terms of using an account information service (PIS - Account Information Service) in the GoPay Payment system. The issuer of the PIS terms is the GOPAY company.
GW terms means terms and conditions of using the GoPay Payment system. The issuer of the GW terms is the GOPAY company.
Terms and Conditions means terms and conditions which define a creation and termination of the Agreement on emission and use of Electronic money between you as an electronic money holder and us and obligations for both parties as well. The issuer of the Terms and Conditions is the GOPAY company.
ZPS means Act No. 370/2017 Sb., on Payments, as amended.
Capitalized terms used in these PIS terms have their meanings defined either in these PIS terms, or GW terms or in Terms and Conditions.
Scope of terms
PIS terms define rules which govern the use of the indirect payment initiation service by the GoPay Payment system for its Clients (PIS-GoPay).
Description of the PIS-GoPay service
You gain the right to use the PIS-GoPay service as a GoPay Payment system functionality once you confirm that you agree to these PIS terms.
An indirect payment initiation service (PIS-GoPay) is a service that enables the GOPAY company to execute an online payment order on your behalf to transfer money from your bank account to another bank account specified by you.
The PIS-GoPay service is designed especially to make payments for goods and services purchased on the Internet, or to top up your GoPay personal account.
The GOPAY company does not accept financial funds to make a payment transaction.
Using the PIS-GoPay service
You acknowledge and agree that the PIS-GoPay service is only one of the functions of the GoPay Payment system and its use is only a matter of your free choice.
The GOPAY company will make your personal security features available to you and its issuer only (usually your bank).
Below is a PIS-GoPay service user flow:
Initiate the payment
Agree to using the PIS-GoPay service
If you are here for the first time or you have not used the PIS-GoPay or AIS-GoPay service for a certain period of time (usually 90 days), you get automatically redirected to the webpage of your bank to get your authentication credentials
Choose an account you would like to pay from
Authorize the payment
Immediately after steps described in the section 6.4., GOPAY passes a payment order to your bank.
Your bank either accepts or rejects the payment order.
After your bank accepts the order:
You cannot cancel the payment order
You receive information enabling you to identify the payment transaction
You receive information about the payment transaction amount
You receive information about the payment status
Fee for using the PIS-GoPay service is specified in the List of fees and charges unless otherwise agreed.
You acknowledge that you incur a loss arising from an unauthorized payment transaction:
Up to the amount of 50 EUR, had the loss been caused by misused personal security feautures
In the full amount, had the loss been caused by your fraudulent behaviour or willful misconduct or gross negligence
Liability for an unauthorized payment transaction except in cases defined in the section 6.9. is borne by your bank. Your bank is also responsible for an incorrect execution of the payment transaction, which has been made in violation with a payment order you submitted via the PIS-GoPay service.
You can pursue a complaint on an unathorized or incorrectly executed payment transaction to your bank without undue delay, as you learn about it, but no later than 13 months from the day the amount was debited from your bank account.
The PIS-GoPay service can be temporarily deactivated, especially in case we supsect an unauthorized or fraudulent use of the payment or your personal security features.
The PIS-GoPay service is not available when an unexpected outage occurs or when there is a scheduled system maintenance.
We are entitled to unilaterally change the PIS terms according to terms and conditions defined in this document. You agree to this authorization.
The PIS terms are issued electronically and are available on our webpage as well.
The provisions of the PIS terms that are not specified in this document are further governed by the ZPS and Terms and Conditions.
You can also contact the Financial Arbiter of the Czech Republic (Czech Act No. 229/2002 SbColl., as amended), with its registered office at Legerova 1581/69, 110 00 Prague 1, with any disputes that may arise between you and us while using the PIS-GoPay service. Your right to go to court remains unaffected, while the disputes arising from this Agreement are heard and decided before courts in the Czech Republic, unless required by legal regulations otherwise. Disputes between you and us can also be resolved through a mediation according to Czech Act No. 202/2012 Sb., on mediation.
The supervisory authority for our activities is the Czech National Bank, with its registered office at Na Příkopě 28, 115 03 Prague 1, Czech Republic. You have the right to pursue a complaint to this authority.