Legal notices

The Company

Payconiq International S.A. (“Payconiq”) is a public limited company under Luxembourg law, registered with on the Luxembourg trade and companies register under number B 169621, with its registered headquarters at 9-11 rue Joseph Junck, L-1839 Luxembourg.

Authorised as a payment institution by the Luxembourg Ministry of Finance (institution authorisation number 40/18), Payconiq is monitored by the Commission de Surveillance du Secteur Financier (CSSF), the supervisory authority for the Luxembourg finance sector.

This regulatory status give Payconiq the right to offer payment services, such as Payconiq, in accordance with the provisions of the law of 10 November 2009 related to payment services, as amended.

Authorisation as a payment institution also grants Payconiq recognised status within the Member States of the European Union; this status authorises Payconiq to carry out its business in all Member States (subject to informing the CSSF beforehand).

The Website

Operation, host, design, and implementation

Operation: Payconiq is the website operator.

Host: OVH

Design and implementation: VOUS designed and implemented the website.


The website is an information site whose main purpose is to present Payconiq and, in particular, its payment services. Accordingly, it is aimed both at Payconiq customers and individuals who are not customers.

The payment services presented on the website are, however, strictly reserved for Payconiq customers who have signed a partnership-subscription contract with Payconiq.

Intellectual property

The Website and all of its component elements (including the content, logos, photographs, etc.) are protected by the provisions applicable under Luxembourg intellectual property law; the website and the elements are the exclusive property of Payconiq, except for elements that are expressly attributed to third parties.

The complete or partial reproduction, distribution, or adaptation, for commercial purposes or otherwise, of the component elements of the Website, whose ownership is attributed to Payconiq, is forbidden without the latter’s express authorisation.

Links to other websites

Hyperlinks established to other websites do not constitute validation of these sites by Payconiq and cannot engage the latter’s liability, specifically, with respect to their content.

Moreover, as a general principle, Payconiq forbids any third party from setting up a hyperlink to its Website, except if express authorisation is obtained from Payconiq beforehand.

Protection of personal data

See our privacy charter.

Applicable law and competent jurisdiction

The Website is governed by Luxembourg law.

All disputes arising from the Website are subject to the exclusive jurisdiction of the District Court (Tribunal d’Arrondissement) in Luxembourg.


The complaints procedure described below is intended for partners and customers of the Payconiq network (retailers, e/m-retailers, and billers) and beneficiaries of Payconiq payments having signed the subscription to the Payconiq acceptance network contract.

For your complaint to be considered as such, it must be made in order for a right to be recognised or for the purpose of redressing prejudice.

Please send your complaint to [email protected] explaining your situation clearly.

Our staff will endeavour to treat your request as quickly as possible. Confirmation that your request has been received will be sent and the name of the person responsible for following up your case will be provided if the request cannot be dealt with within 10 days. Payconiq undertakes to ensure that the time between the date of receipt of the complaint and the date of sending the response does not exceed one month. If this time period cannot be respected, the claimant will be informed of the reasons for the delay and given a date by which the examination of their complaint is likely to be completed.

If you are not satisfied with how your complaint has been dealt with, or no solution has been found, you will be able to contact the relevant member of the Payconiq management committee.

If the handing of your complaint by the member of the Management Committee responsible for complaints has not provided the claimant with a satisfactory response, the latter may have recourse to the out-of-court complaint resolution procedure, in accordance with the provisions of CSSF ruling 16-07: Commission de Surveillance du Secteur Financier – Département juridique II – L-1150 Luxembourg – Tel.: (+352) 26 25 1 – 1 – Fax: (+352) 26 25 1 – 601 – [email protected]