Barclays Pingit terms and conditions
CHANGES TO PINGIT TERMS AND CONDITIONS
We are revising the Pingit Terms and conditions as follows:
To inform you about the introduction of new features that will entail the caching of Pingit data on your device and advise as to how you can enable or disable those features to prevent the caching of Pingit data depending on the device you use. If you share your device with another person and you don’t want your recent payee data displayed to another person, we recommend that you don’t enable the feature or you change the settings in your device to remove the relevant feature (refer to sections 1.3 and 1.4 below for details).
To let you know about the ability for you to log in to the Pingit app using Touch ID. Any fingerprints registered on your device will be able to make transactions using this app. We’d recommend you delete any that aren’t yours – we’ll treat all transactions made while using TouchID as being authorised by you and you will be liable for them.
To inform you about the introduction of new features that will allow payments to be made using a customised keyboard on a third party messaging app.
If you’re a new user, these Pingit terms (together with the changes) take effect from [release 16.11 date] or when you register (if later).
Already using Pingit
If you are already using Pingit, these changes come into effect from August 2016. You accept these changes by continuing to use the app. If you’re not happy with these changes, you can cancel your registration or delete the app. You can read download a copy of the latest terms and conditions in the app or download a copy from www.pingit.com .
PINGIT TERMS AND CONDITIONS
Date updated: November 2016
PART A - SUMMARY OF TERMS AND CONDITIONS
Pingit allows you to make or receive sterling payments of £1 or more using your phone. You can use Pingit to make international payments to Barclays customers in selected countries. You can also receive payments from countries outside the UK.
Pingit is available to persons aged 16 years and above and businesses operating in the UK, Isle of Man, Jersey or Guernsey. You must have a current account in the UK, Isle of Man, Jersey or Guernsey (which can receive payments through the Faster Payments network) to use Pingit and you can register to make or receive payments or both. You can use Pingit to send money to someone registered for Paym. If you’re a Barclays customer and registered for Barclays Mobile Banking, you can also use your app to send Pingit payments.
To make payments, you must register for Pingit using your current account. You can register using a Barclays account if you have one or you can open a Pingit account and link it to a current account you hold with another bank. If you have a joint account, each account holder can register separately for the service.
Once registered, you can make payments or send a message by giving us the recipient’s mobile number (before doing this, please check they are happy for their number to be shared in this way and ensure the number you use is current and correct as we will not be responsible if you send money to the wrong payee). When you give us an instruction to send money in Sterling to customers in the UK, Isle of Man, Jersey or Guernsey, we will send the money using Pingit. If the Payee is not registered for Pingit and has a UK current account, we will check if they are registered for Paym (and send the money). If they are not registered for Paym, we will ask them to register with Pingit to receive the payment. The money will then be sent once they register for Pingit and tell us which account to make the payment to. The recipient will need to register for Pingit within 7 days of a payment being requested. If they do not register within this time, the payment will be cancelled. You can also choose to cancel this payment in-app. We’ll tell you if this happens and notify the recipient. Alternatively, if you’re a Barclays customer with a debit card linked to your account, you can use Pingit to pay directly into the Payee’s bank account - all you need is their sort code and account number.
Once you’re registered, you can use Pingit to make payments by using Pingit Keyboard, a customised keyboard accessible in third party messaging apps. When chatting in a third party messaging app, you can enter the Pingit Keyboard without the need to exit the messaging app and then submit instructions for Pingit to make a payment to any Payee. To authorise the Pingit payment you will need to enter your Pingit password. Payments made using Pingit Keyboard are subject to the same processes as payments made directly through the Pingit app.
You can make an international payment to someone who has registered with another provider to receive Pingit payments. If you’re making an international payment to someone in a country where the recipient has not pre-registered to receive Pingit payments, you’ll need to give us their details (such as account number and IBAN) to make the payment. A list of the countries you can send Pingit payments to is available in the app and on our website.
For payments to certain businesses, you can also make payments using a reference or scanning a code they give you. There is a maximum daily limit of £2,000 for payments through the service using a mobile number, but different limits may apply if you’re a business or paying a business using a reference or code, or you ask us to make an international payment.
To receive payments you must: (a) have a UK mobile number and a UK bank account which can receive payments through Faster Payments; (b) set up a Pingit account; or (c) register for Paym. You can find out how to register for Pingit from our website Pingit.com/receive. If you have a Barclays account but do not have a smartphone or you just want to receive Pingit payments, you can register online to do so. For personal customers, there is a maximum daily limit of £5,000 for all payments received through the service. Details of the limits that apply to business customers, Paym or international payments are available on request or from our website, Barclays.co.uk/pingit.
When you register, we can place restrictions or limits on how you use your Pingit account. We’ll tell you about these restrictions, and limits and the steps you need to take to get full use of the account.
You can only send an invite to someone or request a payment from them if you have their permission, but you must not send unsolicited messages, repeat or mass requests or use the App in an inappropriate way. You should not use the App to request or collect any payments that are not owed to you or which are overdue. If you use the App to send or share an image or other content, you must ensure this is appropriate and the user is happy to receive it (we will tell you when we introduce this feature). Barclays takes no responsibility for any messages or requests you send or receive from others or their contents.
You can send money to selected countries for free (for a limited time only) using the app. We will tell you before we introduce a charge for payments to these countries.
If you want to cancel, recall, change or trace a payment, we can charge you a fee for this service as explained in our General Terms. The App also allows you to request goods or services (‘Products’) directly from participating merchants and pay for those Products using Pingit. Barclays only provides you a platform to enable you to buy directly from merchants and is not responsible for any contract you conclude with any merchant. If you want to cancel or change your order or you have a complaint or want a refund, you must get in touch with the merchant. Buying with Pingit is different to using a debit or credit card: if you have problems with the merchant, you won’t be able to get a refund from your bank and you’ll need to contact the merchant directly.
The App only works with compatible devices running Android 4.03 and above, iOS 6.0 and above, BlackBerry OS 5.0-9.0 and Windows Phone 8.0 and above. You may need to upgrade the operating system on your device if we change the version(s) we support. You may not be able to install or use the App on a jail-broken or rooted device. Some features may not be available on all platforms or operating systems, visit our website for more information.
Your service provider may charge you for internet access on your Smartphone.
When you register to use the app, we will link the app to your Barclays current account or Pingit account. The terms and conditions for your account will also apply to you – we call these General Terms here (but we may call them something else depending on whether you are a personal, business or Wealth customer).
We can refuse to register you for Pingit and we can also ask you to complete registration at a Barclays branch.
Visit Barclays.co.uk/pingit for more information (including limits that apply when using the service) and full terms and conditions. Full terms and conditions can also be accessed through the App. You should also read:
- the General Terms for your Barclays account – these explain what we expect from you and you can expect from us when you use your account
- Terms and Conditions for Personal Customers – if you’re opening a Pingit account, you should download and print or save a copy of the Terms and Conditions for Personal customers available at Barclays.co.uk/rca
- Tariff or charges leaflet – this sets out any charges that may apply on your account
- Terms and conditions for your device and operating system – this sets out any terms that apply to you when using your device or operating system
- Terms and conditions with your merchant – if you’re buying something, your merchant may have separate terms and conditions
- Anything else we ask you to
PART B - APP TERMS
These additional conditions relate to the use of Pingit (‘the App’ or ‘the Service’) and supplement and amend the general terms which apply to the Barclays account or Pingit account you link to the Service (‘General Terms’).
1.2 Certain functionality (such as uploading or downloading content to the App) will need to access information on your device to work. By using such functionality, you consent to the App accessing your device and information. If we can, we will ask you before the App accesses your device or information. You may also manage how the App accesses your device or information using privacy settings on your mobile device (for iOS) or by uninstalling the Pingit app (for Android or Windows Phone) or via the usage settings option in the app’s menu.
1.3 Certain features available for the App involve the caching of Pingit data on your device (such as the caching of recent payee data if you enable the Pingit keyboard on Android devices) and, where possible, we will seek your permission to enable these features before we cache data on your device. Where there are other features that involve the caching of data on your device for which we are unable to ask your permission (such as the iOS Force Touch feature which caches recent payee data automatically when present on your device), you will need to use the device settings to turn off Force Touch for Pingit in order to remove the caching of recent payee data.
1.4 By activating the Pingit keyboard you agree to Pingit placing a cache of your recent payees on your device which will be displayed when the keyboard is launched and will be visible to you anyone else with access to your device. If you share your device and you don’t want your recent payee data displayed in this way we recommend you don’t enable the Pingit Keyboard. If you use ForceTouch and you don’t want your recent payee data to be cached, you are responsible for changing the settings in your device to remove ForceTouch for Pingit and we recommend you do this.
2. USE OF LOCATION DATA
2.1 Certain services, including the ATM finder, will make use of location data sent from your mobile device. You can turn off this functionality at any time by turning off the location services settings for the Pingit App on your mobile device. If you use these services, you consent to us and our partners' and licensees' transmission, collection, maintenance, processing and use of your location data and queries to provide and improve location-based and road traffic-based products and services. You may withdraw this consent at any time by turning off the location services settings on your mobile device (for Android or Windows Phone) or on the Pingit App (for other mobile devices).
2.2 Access to maps is subject to the following separate terms
(a) Google Maps/ Google Earth APIs Terms and Conditions available at https://www.google.com/accounts/TOS when access use Google Maps/ Google Earth APIs app (iOS and Android versions);
3. CONTACTING YOU
3.1 We will contact you from time to time about the Pingit, including marketing messages relating to Pingit. We will do this electronically, for example by email, text, notifications or other messages on your app or mobile device or by telephone or post.
3.2 We and other companies in the Barclays Group may contact you with information about our products and services (and those of specially selected parties) that may be of interest to you, in line with your marketing contact preferences provided to us either through the App or elsewhere. All such communications will come from Barclays. We will never pass your information to a third party for them to use in their own direct marketing without your consent.
3.3 You may tell us at any time if you do not wish to receive marketing messages from us by contacting us as set out in your General Terms or by following any instructions we may include in the message we send to you. For example, a STOP message will appear at the end of any marketing text messages we send you.
4. SHARING YOUR INFORMATION
4.1 Pingit enables you to send or receive money and pay individuals, businesses or charities in the UK or abroad. You authorise us to disclose your full name and Mobile Number when you use the Pingit or when we process your request or display this information in messages sent to your Payers or recipients. This information is drawn from records that we already hold about your account and may be different to any names, nicknames or other pseudonyms you are known by or use when registering for Pingit. If you make a payment to a business or charity, we may disclose your name and account details to enable the charity or business to reconcile and/or apply the payment.
4.2 Pingit enables a user to sync their app with their address book to show which contacts are registered for Pingit (for example by displaying an icon next to a contact’s name). This allows Pingit users to see if their contacts are registered for Pingit to make it easier to pay them. By using Pingit, you accept that:
(a) If another Pingit user has your mobile number in their address book, they will be able to see that you are registered for Pingit
(b) If you sync your address book with Pingit, you consent to us accessing your contacts and storing the phone numbers on our servers solely for this feature. We will not collect or store any names, emails, addresses or other contact information from your address book. If you do not want to use this feature or do not want your registration to be visible to others using this feature, you will have to de-register from Pingit. You can hide the visibility of the icon against the contacts on your own device within ‘settings’, however, this does not prevent your registration status from being visible to Pingit users on other devices.
4.3 If someone in another country wants to pay you, they will be able to see your name and mobile number (as set out in 4.1 above) unless you tell us you don’t want to receive international payments by opting out in the app.
5. USE OF THE APP
5.1 Pingit is a form of online banking. This means that provisions of the General Terms relating to online banking apply to operation of Pingit. We may block or suspend your use of Pingit if you breach these provisions or our terms and conditions.
5.2 In addition, you must:
(a) ensure you comply with any local restrictions on using Pingit, downloading or otherwise exporting the App (including any encryption keys or similar content stored in the App)
(b) only install the App from a site or store approved by Barclays
(c) not use Pingit in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with the agreement, or act fraudulently or maliciously for example by hacking into or inserting malicious code into the Pingit App or iPhone, Android, BlackBerry or Windows Phone operating systems or Paym
(d) not use Pingit to send inappropriate or illegal images or content, unsolicited messages, repeat or mass requests or to bully, harass or interfere with the rights of others
(e) if you are sharing an image, ensure you have the right to share it (such as consent from anyone appearing in the image)
(f) not use Pingit to request or collect any payments that are not owed to you or to request payments which are overdue
(g) not attempt to derive income from the use or provision of the service or any information (including personal information) you obtain through the Service, whether for direct commercial or monetary gain or otherwise
(h) not use Pingit in a way that could damage disable, overburden, impair or compromise the service, Paym, Barclays systems or security or interfere with other users; and
(i) not collect, collate or harvest any information or data from the service or our systems or attempt to decipher any transmissions to or from the servers running Pingit or Paym or attempt to use such information or data to create, amend or update your records or for any commercial or non-personal use such as marketing or promotional activities or sharing it with someone else
5.3 The App may utilise or include third party software and copyrighted material or may be subject to an open source license or other licence. Portions of the software are based in part on: iOS
(b) CocoaLumberjack licensed under BSD License (Copyright (c) 2010, Deusty, LLC)
(c) OpenSSL toolkit under dual licences OpenSSL Licence (Copyright (c) 1998-2011 The OpenSSL Project) and Original SSLeay License (Copyright (C) 1995-1998 Eric Young (firstname.lastname@example.org))
(d) MIT license (Copyright (c) 2011 Matej Bukovinski)
(e) TTTAttributedLabel.m licensed under Copyright (c) 2011 Mattt Thompson (http://mattt.me); and
(f) iOS-Scratch-n-See Copyright (C) 2012 http://moqod.com Andrew Kopanev Android
(g) OpenSSL toolkit under dual licences OpenSSL Licence (Copyright (c) 1998-2011 The OpenSSL Project) and Original SSLeay License (Copyright (C) 1995-1998 Eric Young (email@example.com))
(h) The Android Software Development Kit used under licence from Google Inc; and,/p>
(i) ZXing (Zebra Crossing) licensed under the Apache License, version 2.0 (http://www.apache.org/licenses) BlackBerry
(j) The Legion of the Bouncy Castle (Copyright (c) 2000-2010 https://www.bouncycastle.org); and
(k) ZXing (Zebra Crossing) licensed under the Apache License, version 2.0 (http://www.apache.org/licenses) Windows
(l) Prism.PubSubEvents licensed by Microsoft under the Microsoft Patterns & Practices License (http://prismwindowsruntime.codeplex.com/license)
(m) ZXing.net licensed under the Apache License, version 2.0 http://zxingnet.codeplex.com/license)
(n) Windows Phone Theme Manager 2.0.0 licenced by Jeff Wilcox (Copyright (C) under under the Apache License, Version 2.0 (http://www.apache.org/licenses/)
(o) Json.NET licensed by James Newton-King (Copyright (C) 2007) under the MIT licence (http://json.codeplex.com/license)
(p) AppBarUtils library licensed under the MIT License Copyright (c) 2011 Allen Lee (http://appbarutils.codeplex.com/license)
(q) AutoMapper3.2.0 licensed by Jimmy Bogard (Copyright (c) 2010) - https://github.com/AutoMapper/AutoMapper/blob/master/LICENSE.txt
(r) AutoNLayered - Domain Oriented N-Layered .NET 4.5 licensed by Gabriel González Iglesias under the MIT License (MIT) Copyright (c) 2014 (http://autonlayered.codeplex.com/license)
(s) Windows Phone Toolkit and Windows Phone 7 Panorama control licensed by Microsoft under the Microsoft Public License (Ms-PL) - http://phone.codeplex.com/license
(t) Silverlight Toolkit licensed by Microsoft under the Microsoft Public License (Ms-PL) - http://silverlight.codeplex.com/license
(u) Silverlight Input Control licensed by Microsoft under the Microsoft Public License (Ms-PL) - http://opensource.org/licenses/MS-PL
(v) Microsoft Health Common User Interface licensed under Microsoft Public License (Ms-PL) (Copyright © Microsoft 2012) - http://mscui.codeplex.com/license
(w) Microsoft .NET library licensed under Microsoft Public License (Ms-PL) (Copyright © Microsoft 2012)
(x) Bouncy Castle Crypto licensed under the MIT License (Copyright (c) 2000 - 2013 The Legion of the Bouncy Castle Inc. (http://www.bouncycastle.org)
(y) WP7-Official licensed under the BSD 2-Clause License. http://opensource.org/licenses/BSD-2-Clause
(z) RFC 1952 (Copyright © 1996 L. Peter Deutsch)
(bb) StyleCop.MSBuild 4.7.49 licenced by Adam Ralph (firstname.lastname@example.org) Copyright (c) 2012 under the MIT License (MIT) https://bitbucket.org/adamralph/stylecop-msbuild/src/f067e2091562/license.txt iOS, Android and BlackBerry
(cc) W3C Software (Copyright © 1994-2001 World Wide Web Consortium, (Massachusetts Institute of Technology, European Research Consortium for Informatics and Mathematics, Keio University). All Rights Reserved. (https://www.w3.org/Consortium/Legal/2002/copyright-software-20021231)
5.4 If you provide feedback or ideas (‘suggestions’) on Pingit, you understand we may use your suggestions without any obligation to attribute them to you or to compensate you. You must not give us any information that is confidential, commercially sensitive or contains original creative work, or is the intellectual property or proprietary property of you or another person. Any suggestions you make will automatically become our property.
6.1 Because Pingit can be used to make payments from your account, you must keep your mobile device secure and not logged into the App. The conditions relating to payment instruments set out in the General Terms apply in relation to Pingit.
6.2 If you suspect that someone else knows your passcode or other security details you must contact us immediately by calling us on 03332001012 or the number available on our website. If you fail to do so, you may be liable for any unauthorised transactions on your account which are as a result of your security details becoming known to someone else.
6.3 After your initial registration we will never contact you to request your security details and we will not ask anyone else to do so on our behalf. If you receive such a request then it is likely to be fraudulent and you must not supply your security details in any circumstances. You should report any such activity to us immediately.
6.4 You must ensure that your account number, sort code, mobile number and other details you provide are correct and up to date, and notify us as soon as these change.
6.5 Some devices allow you to use your fingerprint for logging into the app. If you enable this feature, then anyone whose fingerprint is registered on your phone or tablet may be able to log into the app and access your accounts. Therefore, you must not activate this feature if you allow other people to access your phone or tablet using their fingerprint. You should delete any other fingerprints registered on the device first; otherwise, transactions made by anyone else who has their fingerprint registered on the device will be treated as being authorised by you and we will not be liable for those transactions.
7.1 If something goes wrong, we will be responsible to you as set out in the General Terms.
7.2 Unless we are at fault, we will however not be liable to you for any losses you suffer or costs you incur because:
(a) you are unable to access or use Pingit for any reason or there is a delay in its use
(b) any device, hardware or software you use in connection with the App is damaged or corrupted or fails to work
(c) Pingit does not work as you expect, does not meet your requirements or contains errors or defects or we fail to correct these
(d) you did not receive any SMS notifications in a timely manner
(e) you sent, received or shared an inappropriate or illegal image or content or breached the rights of another person; or
(f) there is a reduced level or failure to provide any service caused by any third party service providers including software providers and mobile operators
For assistance in your use of Pingit, please call 0333 200 1012. This service will be available from 7am to 11pm everyday excluding Public Holidays.
9. CHANGES TO PINGIT TERMS AND CONDITIONS
9.1 We can change the terms and conditions at any time in accordance with the General Terms by sending you a text, email or other notification with details of the change or notifying you of a change when you next start the Application or visit our website. The new terms will be displayed on-screen and you may be required to read and accept them to continue your use of Pingit.
9.2 From time to time updates to the App may be issued via the Apple App Store, Google Play Store, BlackBerry App World, Windows Store or other application store or download location from which the App is available. Depending on the update, you may not be able to use the App until you have downloaded the latest version and accepted any new terms.
PART C - SEND TERMS
These additional conditions relate to the use of the Pingit service and supplement and amend the general terms which apply to the Barclays account or Pingit account you link to the service (‘General Terms’).
1. REGISTERING YOUR ACCOUNT
1.1 Before you can make payments you must register and match your mobile number with a qualifying Barclays account or a Pingit account.
1.2 Any payments you receive from other Pingit users will be paid into your linked Barclays account or Pingit account.
1.3 If you are a Barclays customer registered for Barclays Mobile Banking, you can use your Barclays Mobile Banking app to send Pingit payments.
2. MAKING PAYMENTS
2.1 Once registered to make and receive payments, you can make a payment to anyone with a UK bank account (‘the Payee’) by providing their UK mobile number. We will send the money using Pingit and if the Payee is not registered, we will attempt to send the money using the Paym service. If they are not registered with Paym, we will ask them to register with Pingit to receive the payment. The payment using Pingit can be made only once the Payee has registered for the service and provided us with their account details. The payee will need to register within 7 days to receive the payment (please ensure you keep enough funds in your Barclays account or Pingit account to meet the payment). We will send them a text message asking or reminding them to register. By using the service to make a payment you are asking us to make the payment once we receive those details. If we have not received those details as requested, the payment will be cancelled. The payment will also be cancelled should you wish to cancel payment in-app. The payee will be notified of this cancelled payment. Alternatively, if you’re a Barclays customer with a debit card linked to your account, you can use Pingit to pay directly into the Payee’s bank account. All you need is their sort code and account number.
2.2 You can use Pingit to send money abroad as follows.
(a) You can use Pingit to send money to someone registered to receive Pingit payments with another provider in specified countries. You must check with the Payee that they are registered to receive international payments before attempting to send them a Payment. If they are not, we will tell you when you attempt to make the payment.
(b) For certain countries, you can use Pingit to send money by giving us the payee’s name, account details and IBAN.
A list of the countries you can send money to is available in the App and on our website.
2.3 You must get the Payee’s consent before giving us their number or other payment details.
2.4 Each payment must be for at least £1 and you can make payments of up to a maximum of £2,000 in any one day. Different limits may apply if you register as a business customer or when paying someone using Paym.
2.5 We can refuse to process a payment for the reasons set out in the General Terms or if we reasonably believe that you have not met any of these additional conditions.
2.6 A Payee can receive a maximum of £5,000 in any one day unless the Payee is a business customer or registered to receive international payments only in which case a different limit may apply. We will refuse to process a payment if it would exceed that limit.
2.7 You can send a request for a payment or include a personal message (such as a picture) for the Payee when making a payment or post content using social media but the request, message or post must not contain personal details and must be appropriate and not offensive or breach the rights of another person. Barclays takes no responsibility for any post, message or request you make, send or receive from others or its contents or how it is used or shared. We do not have to screen your messages or posts, but if we do and find inappropriate or illegal content, we may block, reject or remove the message or post and report to relevant authorities.
2.8 By selecting a contact when using Pingit to make a payment or send a message, you consent to the App accessing data in your address book.
3. GIFT AID PAYMENTS AND DONATIONS
3.1 If you ask us to make a payment to a charity, we may ask you if you want to add Gift Aid (if applicable) to your donation through accepting a Gift Aid declaration. If you accept this declaration, you are giving your consent for us to send to the charity certain personal information we hold about you, including your mobile number, name and address. We will share this information with the charity on the basis they will only use it to collect the Gift Aid payment or contact you to administer the payment. You can find out more information about any charity listed in the App (including the charity’s registration details) by visiting the charity’s website.
3.2 We’ll tell you if your App doesn’t let you send charitable payments, and may process your payment in a mobile browser if you’re making a donation.
4. MISTAKEN PAYMENTS
When making a payment, you must ensure the Payee information (including the mobile number or, where you use a reference or code to generate the payment information, the payee, payment reference and amount and where applicable, the payee’s account number and IBAN) is current and correct, otherwise the payment may be returned or made to the wrong payee. We won’t be liable to you if the payment is sent to the wrong person as a result, but we’ll try to recover the payment in accordance with the General Terms.
5.1 We do not charge you for sending Sterling payments in the UK through Pingit (network charges may apply for using the App). International payments will be subject to charges and exchange rates as set out in the General Terms (please read your tariff or charges leaflet). For a limited time only, you’ll be able to make payments to selected countries for free. We will tell you when we introduce charges for payments to these countries.
5.2 If you are a business customer, you may incur standard charges for making payments as set out in your tariff. Pingit transactions are treated as a form of online banking payment. Charges associated with ‘Automated Debit’ or ‘Electronic Payment (out)’ will be applicable to business customers on certain tariffs for funds being paid out of their business current account.
5.3 If you want to cancel, recall, change or trace a payment, we can charge you a fee for this service as explained in our General Terms.
PART D - RECEIVE TERMS
You can register to receive payments using Paym or Pingit (or both). This section applies to when you register to receive payments using Pingit. For terms that apply to Paym, please refer to Part F.
1. REGISTERING YOUR ACCOUNT
1.1 Before you can receive payments using Pingit, you must register and match your mobile number with either:
(i) a UK, Isle of Man, Jersey or Guernsey current account to which payments can be made through the Faster Payments network; (ii) your Barclays current account; or
(iii) a Pingit account.
If you’re registering with your Barclays account only to receive payments, these additional conditions supplement and amend the general terms that apply to the Barclays account or Pingit account you link to the service (‘General Terms’).
1.2 The payer will indicate when you need to register for the service to receive the payment (this is 7 days). We’ll send you a text message telling you that a payment is pending and when to register. We can also send you a reminder. If you don’t register as requested, we’ll cancel the payment and you must contact the payer to arrange an alternative means of payment.
2. AUTHORITY TO DEBIT ACCOUNT
2.1 By registering for the service, you confirm that you are the intended recipient of the money which our customer is paying to you. If, using this service, you receive any payments by mistake, you must tell us as soon as possible and return the payment to us.
2.2 You hereby authorise the bank holding your account to debit that account and return the amount of the payment to us. If the bank can’t do this, you agree that we can disclose your details to the payer so that they can take action to recover the mistaken payment.
3. RECEIVING PAYMENTS
3.1 Once you have registered, we will send the payment to your nominated account. In doing this we are acting as payment service provider for the payer and are not providing any service directly to you, unless that account is held with us.
3.2 You can receive a maximum of £5,000 in any one day unless you are a business customer, in which case a different limit may apply to you. We will refuse to process a payment if it would exceed that limit.
3.3 You authorise us to display the full name of the account and your Mobile Number to the payer when they input your mobile number into the App or check whether any of their contacts are registered for Pingit. This information is drawn from records that we already hold about your account and may be different to any names, nicknames or other pseudonyms you are known by or use when registering for Pingit.
3.4 Your registration for the service does not create any obligations on us in relation to the receipt of payments by you (unless your account is held with us). Our obligations are to Pingit users sending you money. In particular, we may make changes to these Receive Terms and how other Pingit users can make payments to you, and can end your ability to receive payments through the service, at any time without first notifying you of those changes.
3.5 You must not generate, distribute, or offer to any Payee, any code or reference for use with the App unless you have our prior written permission to do so.
We do not charge you for receiving payments through Pingit (network charges may apply for using the App). Pingit transactions are treated as a form of online banking payment for Barclays Business customers. Charges associated with ‘Automated Credit’ or ‘Electronic Payment (in)’ for funds being paid into their business current account will apply to business customers on certain tariffs.
5. INFORMATION ABOUT YOU
5.1 If you are using your Barclays current account to receive payments, we will use your information as set out in the General Terms.
5.2 If you are registering an account you hold with another bank, we will use any information you provide to us in connection with receiving payments only for the purposes of administering those payments and to contact you about Pingit including sending you text message about the promotions relating to the Service.
5.3 Pingit enables users of the Service to sync their app with the contacts in their address book. This allows Pingit users to see if their contacts are registered for Pingit to make it easier to pay them. By registering for Pingit you consent to your registration being visible to other Pingit users. If you do not want your registration to be visible to others using this feature, you will have to de-register from Pingit.
5.4 If someone in another country wants to pay you, they will be able to see your name and mobile number (as explained in 3.3 above) unless you tell us you don’t want to receive international payments by opting out in the app.
5.5 You may tell us at any time if you do not wish to receive marketing messages from us by contacting us as set out in your General Terms (if you are a Barclays current account customer) or by following any instructions we may include in the messages we send to you. For example, a STOP message will appear at the foot of marketing text messages we send you.
5.6 If false or inaccurate information is provided or fraud is suspected, details may be passed to fraud prevention and credit reference agencies. Law enforcement agencies may access and use this information. The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries. Please contact us if you want to receive details of the relevant fraud prevention agencies.
5.7 We and other companies in the Barclays Group will use your information for assessment and analysis (including behaviour scoring, market and product analysis and market research), to develop and improve our services to you and other customers and protect our interests. We and other companies in the Barclays Group may also use your information for market and product analysis in order to generate statistical reports which may be shared with external non-Barclays companies for their own use. These reports are aggregated and will not contain any information that identifies you.
5.8 We may give information about you and how you use Pingit to the following:
(a) other companies within the Barclays Group and our relationship partners
(b) companies and organisations who provide a service to us or are acting as our agents (including their sub-contractors), on the understanding that they will keep the information confidential
(c) companies and organisations that assist us in processing transactions made via Pingit (including but not limited to payment processing service providers)
(d) anyone to whom we transfer or may transfer our rights and duties under this agreement; or
(e) any third party as a result of any restructure, sale or acquisition of any company within the Barclays Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us Otherwise we will keep information about you confidential unless we have a duty to disclose it or law or regulation allows us to do so for legitimate business purposes.
5.9 If we transfer your information in accordance with condition
5.8(a), 5.8(b) or 5.8(d) to a person, office, branch or organisation located in another country, we will make sure that they agree to apply the same levels of protection as we are required to apply to your information and, where appropriate, to use your information strictly in accordance with our instructions.
5.10 We will retain information about you after your registration for Pingit is cancelled, or if your application is declined or abandoned, for as long as permitted for legal, regulatory, fraud and other financial crime prevention and legitimate business purposes (such as contacting you about Pingit).
5.11 You can ask for a copy of the information we hold about you by writing to us. A fee will be charged for this service.
6. PINGIT ACCEPTANCE MARK
If you are a business customer you may download a Pingit acceptance mark (the ‘trade mark’) from our website Barclays.co.uk/pingit and use it to indicate that you accept Pingit payments from your customers. You acknowledge that the Pingit acceptance mark is a trade mark of Barclays and by downloading or using it you agree to comply with all guidelines and conditions we publish on using the trade mark and not to interfere with or challenge our rights to the trade mark or do anything that may bring Barclays or the trade mark any harm or disrepute. All use that you make of the trade mark will be for the benefit of Barclays and you acknowledge that we may at our sole option withdraw the trade mark from use at any time.
PART E – PINGIT ACCOUNT TERMS
The general conditions of the Customer Agreement with us (Barclays Bank PLC) apply to the use of the Pingit Account (the ‘Account’). These can be found at Barclays.co.uk/rca. You should download and print or save a copy of the Customer Agreement for future reference.
The following additional conditions also relate to the Pingit Account and supplement and amend the general conditions.
1. OPERATING THE ACCOUNT
1.1 The Account is an e-money account which can be used to make or receive payments through the Pingit Smartphone Application (‘the App’). You can only operate your Account through the App.
1.2 You can top up or fund your Account up to any amount:
(a) by direct transfer (for example using Online or Telephone banking) from any of your other UK, Isle of Man, Jersey or Guernsey bank accounts;
(b) by standing order;
(c) by paying in cash over the counter at a Barclays branch; or
(d) using a debit card or any other means we advise you from time to time
1.3 You can only receive payments up to a maximum of £5,000 per day into your Account from other Pingit users. If a payment is sent to you that will cause you to exceed this limit, we will return it to the Sender.
2. REDEEMING FUNDS AND MAKING PAYMENTS
2.1 You can redeem the funds in the Account at any time by using the App to transfer funds to the UK, Isle of Man, Jersey or Guernsey bank account you used when opening your account. No fee will be charged for redeeming the funds. If you ask to redeem more than £2,500 at any one time, your request may be subject to additional security checks which will be carried out before the instruction can be processed.
2.2 You can also use the Account to make payments using the Pingit service, as provided for in the terms for that service.
2.3 You cannot make payments in any other way.
3. PLACING LIMITS ON YOUR ACCOUNT
3.1 Depending on the information you provide when registering for the Service, we may require you to complete registration at a Barclays branch or to provide us with further information before you can use the Account. Sometimes we may also place limits on the amounts you can send, receive or withdraw using the Account. We will tell you these limits when you register and the steps you need to take for us to remove them.
3.2 If you do not take those steps within 12 months of opening the Account or before you reach any of the above limits, we will either suspend your use of the Account or allow you to continue using it for another 12 months it if we successfully verify your identity and address using details we already hold. This will involve a credit reference agency checking your details against the particulars on any database (public or otherwise) to which they have access. The credit reference agency will keep a record of this check which may be used to help other companies to verify your identity but this will not affect your credit rating.
4. TRANSACTION INFORMATION
You will be able to access through the App information about recent payments into and out of the Account. If you ask us to, we will also provide details about transactions in writing.
No interest is payable on this Account.
6. CLOSING THE ACCOUNT
The Account can be closed at any time in accordance with the general conditions. If you have not redeemed the funds in your Account within 6 years of the Account being closed, we will have no further obligation to repay the funds.
PART F – PAYM TERMS AND CONDITIONS
These additional conditions apply when you send someone money using Paym or register to receive Paym payments. They supplement and amend the general terms which apply to your Barclays account or Pingit account (‘General Terms’).
Paym is a new service operated by the UK Payments Council that allows you to send or receive money through your bank or building society app using a mobile number. You can register with Barclays to receive Paym payments. If you have the Pingit app, you can also send payments to other customers registered for Paym.
2. REGISTERING FOR PAYM
Before you can receive payments using Paym you must register and match your mobile number with your Barclays account or if you have one, your Pingit account. You can only register one account against the mobile number you register for Paym – if you are already registered for Paym with another bank or building society, you will need to deregister your existing account first before re-registering with Barclays or your new provider.
3. YOUR INFORMATION
3.1 When you register for Paym, your mobile number, account name and details (‘your information’) will be shared with the following (who are also bound to keep your information secure and confidential) so that it can be stored in a secure database which will be accessed by others who want to send you money:
(a) the Mobile Payments Services Company Limited (‘the Operator’) – this is the company appointed by the UK Payments Council to operate the Paym service
(b) the service providers and agents (including their subcontractors) of the Operator
(c) other financial institutions who are members of Paym (for example banks or building societies); and
(d) employees and contractors of any of the above persons.
3.2 Once you register, other Paym users (for example customers of other financial institutions who are members of Paym) will be able to look up the Paym database to confirm your details before sending you money. They will see your account name – this will be drawn from records that we already hold about your account and may be different to any names, nicknames or other pseudonyms you are known by or use.
3.3 By registering for Paym, you agree that we will use and share your information as explained in this clause. We will also use your information as set out in your General Terms.
4. SENDING MONEY USING PAYM
4.1 You can send money to anyone registered for Paym using the Pingit app (or any of our other apps or services we tell you from time to time). We will tell you any limits or conditions that apply at the time you make the payment.
4.2 When you instruct us to send money using a mobile, we will try to send the money using Pingit first. If the Payee is not registered for Pingit, we will then try to send the money using Paym. If they are not registered for Paym, we will contact them to let them know that to receive the money you are trying to send they will need to register for Pingit as set out in the Pingit Terms and Conditions. You agree to us processing your instruction this way and confirm you have the Payee’s consent before giving us their number.
5. RECEIVING PAYMENTS
Once you have registered, any money sent to you using Paym will be paid into your nominated account. We will tell you any limits or conditions that apply when you register for Paym.
6. MISTAKEN PAYMENTS
By registering for Paym, you confirm that you are the intended recipient of the money sent to you using Paym. If you receive any payments by mistake, you must tell us as soon as possible and return the payment to us.
7. KEEPING YOUR DETAILS UP TO DATE
It is essential that you ensure any information we hold about you is correct and up to date. You must tell us as soon as possible if you change your mobile number or any of your details so that payments can be sent to the correct account.
We do not charge you for using Paym (network charges may apply for using our apps or other services). Paym transactions are treated as a form of online banking payment for Barclays Business customers. Charges associated with ‘Automated Credit’ or ‘Electronic Payment (in)’ will be applicable to business customers on certain tariffs for funds being paid into their business current account
9. ENDING THE SERVICE
We can stop you using or accessing Paym as set out in the General Terms. We can also suspend or remove your registration
(a) if we reasonably believe your registration has or is likely to have been compromised;
(b) if we suspect any fraud in respect to your registration or account; or
(c) if your account is closed or switched.
PART G – BUYING WITH PINGIT
SUMMARY AND KEY POINTS
Pingit allows you to request goods or services (‘Products’) directly from participating merchants and pay for those Products using Pingit (‘Buyit’). You can also use Pingit to pay for an order when accessing participating merchants’ websites or apps (‘Mobile Checkout’) or to buy gift vouchers from selected merchants (‘Buy a Gift’). The Pingit terms and conditions as supplemented by these terms apply to your use of Pingit to make an order, buy gift vouchers and/or pay for Products. The key points to note from these additional conditions are:
- Platform provider only: Barclays is not the provider of any Products and only provides a platform that allows you to initiate transactions with merchants and/or pay them for Products
- Barclays not the seller: You will be buying directly from the relevant merchant and not from Barclays
- Payment process: Barclays will pay the merchants from your account or Pingit account on your instruction when either you confirm your order for Products from a merchant or you opt to pay using Pingit from within a merchant's own app or website
- Sale contract with merchant: Your contract for a Product will be with a merchant. Pressing the ‘Confirm Order’ button or confirming a payment by pressing the ‘OK’ button does not mean a contract has been formed – your contract will be formed in accordance with the relevant merchant's terms and conditions
- Refunds and Complaints: Any refunds or complaints will be dealt with by the relevant merchant in line with its terms and conditions
- Processing your data: Barclays will, where necessary, pass your personal details to the relevant merchant to allow it to consider and fulfil your order
Visit Barclays.co.uk/pingit for more information (including limits that apply when using the service) and full terms and conditions. Full terms and conditions can also be accessed through the App.
BUYING WITH PINGIT TERMS AND CONDITIONS
These additional conditions relate to the use of the Pingit service to order Products from and/or pay merchants outside the Barclays Group. They supplement and amend the general terms which apply to the Barclays account or Pingit account (‘General Terms’).
1. THE PLATFORM: BARCLAYS ROLE
1.1 You can use functionality in Pingit (such as Buyit, Mobile Checkout or Buy a Gift) to order Products from and/or pay merchants outside of the Barclays Group.
1.2 When using the Buyit or Buy a Gift functionality in Pingit, Barclays acts as a platform provider only, sending your order for a Product or gift voucher to the relevant merchant and acting on your instruction to send a payment to that merchant.
1.3 As you are instructing Barclays to make a payment directly from your account or Pingit account you do not get any user protection under any credit or debit card scheme rules (such as the MasterCard and Visa schemes).
1.4 The advertisement of a product by a merchant, the presentation of QR, or other relevant, codes (‘Codes’) and the scanning of those Codes are not offers to sell any particular Product or a promise that the relevant Product is available for you to buy from a merchant.
1.5 Making an order and/or payment through Pingit does not create a contract between you and Barclays for the supply of any product. Buyit enables you to make an offer to buy a Product and it is up to the merchant to accept your offer. Mobile Checkout is solely a payment service that you can use to instruct Barclays to pay a merchant from within the merchant's own app or website. Buy a Gift allows you to buy a gift voucher from a merchant. In all circumstances, any contract that is formed for the supply of Products is only between you and the relevant merchant.
1.6 When you use Buyit, each merchant will set out the terms of their contract with you but in no event will a contract be formed until the merchant has confirmed to you by email that it has received and is processing your order.
1.7 Pingit only allows for transactions for Products to be delivered within mainland UK.
2.1 Once you confirm an order and/or payment for a Product, we will send the payment for you to the merchant for the full price of the Product including delivery charges and taxes.
2.2 You cannot cancel or change the payment as it is processed straight away. If you cancel an order or are entitled to a refund or have a complaint, you must contact the merchant directly.
2.3 Barclays will not deduct a fee from your payment.
3. PRODUCTS AND MERCHANTS
3.1 The merchant (and not Barclays) is responsible for:
(a) creation of Codes and the information returned by the Pingit App when you scan a Code, make an order or when Barclays Pin git interfaces with a merchant’s app or website
(b) availability of, fulfilling any order placed by you for, supply of, delivery of, returns of and refunds in relation to any Product, including whether a delivered Product conforms to the description provided within the Pingit App;
(c) activation of gift vouchers or replacement of any lost or stolen gift vouchers; and
(d) the quality, safety or legality of the Products advertised, the accuracy of the description of the Products or the ability of merchants to sell and deliver the Products
3.2 You undertake to Barclays to comply with any terms and conditions you agree with a merchant.
4. BARCLAYS LIABILITY
4.1 Barclays is not responsible, and has no liability, to you for each of the matters in Condition 3 above and/or in respect of:
(a) any Product complying with its specification or its fitness for any purpose, or whether it is free from defects or is of merchantable quality
(b) any dealings or contract between you and any merchant
(c) the solvency of any merchant or that any merchant will or is able to comply with its terms and conditions presented to you within the App
(d) any loss we could not predict at the time you gave us an instruction; or
(e) any loss of business, loss of goodwill, loss of opportunity or loss of profit
5. PERSONAL DATA AND INFORMATION
5.1 When you confirm an order request using Barclays Buyit functionality, you authorise Barclays to provide the following to the relevant merchant:
(a) your name and address, and (if different) the name and address of the person to whom you wish the Product delivered
(b) your age (in case it is necessary for the merchant to comply with age restrictions on the supply of Products)
(c) your email address and Mobile Number; and
(d) the relevant transaction details
(collectively the ‘Information’).
5.3 You confirm to Barclays that you have all necessary permissions to provide the Information to Barclays, and that the Information is accurate and up-to-date. If you give us Information about other people (if you are ordering a Product for someone else), then you confirm that they have authorised you to give us their Information and for us to provide it to the relevant merchant.
5.4 When you buy a gift voucher using Buy a Gift or confirm payment with Pingit Mobile Checkout, Barclays will not provide any Information to the relevant merchant.
5.5 If there is a dispute about a transaction initiated using the App, you agree that Barclays may release any information it holds about that transaction to the relevant merchant and/or any person adjudicating the dispute, such as a court, mediator or arbitrator.
5.6 We collect, use, share, analyse and store personal and financial information about you – which may include information about your health and lifestyle, and transactional data so that we can provide and continuously improve our products and services.
6.1 Clause 5.2(g) of Part B of the Pingit Terms does not apply to your use, or any resale, of any Product you might acquire from a transaction initiated using the app.
6.2 These additional conditions are governed by the laws of England and Wales.
PART H – PAY BY BANK APP TERMS AND CONDITIONS
These additional conditions relate to the use of Pay by Bank app through Pingit. They supplement and amend the general terms which apply to your Barclays account or Pingit account (‘General Terms’).
WHAT IS PAY BY BANK APP AND HOW DOES IT WORK?
Pay by Bank app is a scheme that lets you buy goods and services online using Faster Payments whenever you see the Pay by Bank app symbol. You need to have Pingit to use Pay by Bank app.
When you are making a purchase on a computer or tablet, the merchant will provide you with a 6 character code. This code is generated by Pay by Bank app and represents your purchase. When you type this code in to Pingit, you will see the purchase details to confirm.
When you are making a purchase on your mobile device, Pingit will automatically launch for you to view and confirm the payment.
Pay by Bank app payments may come out of your account immediately or in instalments if the merchant is not ready to bill you in full when you authorise the payment. The merchant will share details of the transaction with Barclays, but none of your financial or personal information will be sent to the merchant when you make a payment.
In all circumstances, when you have authorised your purchase via Pingit you will be directed back to the merchant’s website or app which will confirm the status of your transaction. The contract that is formed for the supply of goods and services will be between you and the merchant and their terms and conditions will apply. You can deactivate Pay by Bank app in your Pingit settings.
There are no additional charges that will apply for using Pay by Bank app, however your internet or network service provider may charge you for using data on your device. Purchases made using Pay by Bank app are not eligible for Barclays reward schemes.
If you want to return something you bought using Pay by Bank app, you should contact the merchant directly to arrange a return and/or refund. The relevant purchase information can be found in Pingit. Refunds are paid directly into your Pingit account and will be subject to the merchant’s terms and conditions. If there are any problems with your refund, please contact the merchant. If they cannot help, you should contact the Pingit helpdesk.
WHAT HAPPENS IF SOMETHING GOES WRONG?
If something goes wrong when you are authorising the payment (e.g. you have mistakenly entered the wrong code) we’ll try to help you as long as you’ve acted honestly and kept us informed. Please refer to your General Terms and contact the Pingit helpdesk for further guidance.
Further information can be found at www.paybybankapp.co.uk.
If you register for Pay by Bank app you may need to provide some information, e.g. your email address.
PART I – IF YOU ARE UNHAPPY WITH SOMETHING
If you are unhappy with Pingit or you think we have done something wrong
Please contact and give us the opportunity to investigate and resolve the matter. This also helps improve our service for all customers.
If you remain unhappy
If after we have investigated you remain unhappy, you may contact the Financial Ombudsman Service (FOS). The Financial Ombudsman is a free, independent service for resolving disputes between customers and financial services institutions. You'll need to contact them within 6 months of our final response letter – and they'll ask to see the letter as summary of our investigation of your complaint.
The Financial Ombudsman Service
Online dispute resolution
If you purchased your product or service online from Barclays
The European Commission has set up an online dispute resolution platform (ODR platform) to help customers who have bought goods or services online from traders established in the European Union. If you have not been able to get your complaint resolved to your satisfaction, you can submit your complaint online through the ODR platform. The platform will then send your complaint to the Financial Ombudsman Service (FOS) for an independent review. To save time you may wish to contact the FOS directly using the details above
You can access the ODR platform here at
As a Barclays customer, you may use this service if you purchased your product or service with us online. You will need to quote our postal address, website address and email address.
Barclays, Leicester, LE87 2BB