What is the official website of the payment service?
The official website for PFS Card Services (UK) Limited is https://www.prepaidfinancialservices.com
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Where can I find the customer support contacts?
Customer support contacts are listed on the "Contact Us" page of the official website.
What is the hotline phone number?
+44 (0)20 7127 5093
Is there a toll-free support number?
No verified toll-free number is publicly listed; most support is provided through standard-rate numbers and email.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Email addresses for specific departments, such as compliance or complaints, are usually provided on the contact page or within client contracts.
Where can I find the online chat support?
Online chat support, if available, is typically accessible via the official website's Contact or Support sections.
Does the chat support work 24/7?
Chat support is usually available during standard business hours (Monday to Friday), not 24/7.
Is there support through messengers (Telegram, WhatsApp)?
Support via messengers is not commonly provided; most contact occurs through email, phone, or web forms.
What are the support working hours?
Standard customer support hours are typically Monday to Friday, 9:00 to 18:00 UK time.
Does support work on weekends and holidays?
Limited or no customer support is available on weekends or UK public holidays.
Are there regional offices for in-person visits?
Regional offices may exist; visits usually require prior arrangement due to security protocols.
Where are the physical offices located?
Main office is at Fourth Floor, 35 Great St. Helen’s, London EC3A 6AP, United Kingdom.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting support and requesting an appointment.
Are there representatives in different countries?
Large payment services often have EU/EEA offices or partners; contact support for exact details.
In which languages is support available?
Support is mainly provided in English; additional European languages may be available upon request.
How quickly does support respond to requests?
Response times vary by method; email responses are typically within 1–2 business days, calls may be answered faster.
Is there a priority system for VIP clients?
VIP clients or corporate partners generally receive priority support and account management.
Can I request a callback?
Callback requests are usually accepted via web forms or email, subject to availability.
When was the payment service founded?
PFS Card Services was established in 2008.
Who is the founder and owner of the service?
Noel Moran is the founder and CEO of Prepaid Financial Services (PFS) and PFS Card Services (UK) Ltd.
In which country is the company registered?
The company is registered in the United Kingdom.
What is the development history of the payment service?
PFS Card Services (UK) Ltd, as part of Prepaid Financial Services, launched as a provider of prepaid solutions, expanded in Europe, and grew via partnerships and product offerings.
Have there been major updates or rebranding?
The company has updated its product range and branding to align with regulatory standards and market evolution.
Who sits on the company's board of directors?
The board includes Noel Moran and other appointed executives; full details are on company registration records.
Are there investors or partners in the service?
PFS has engaged with corporate partners and, as of 2020, was acquired by EML Payments Limited.
Does the company participate in stock trading?
The parent company EML Payments Limited (EML) is publicly traded; PFS itself is not separately listed.
What is the company's market capitalization?
Market capitalization applies to EML Payments Limited; consult financial news or markets for up-to-date figures.
Are there subsidiary companies or branches?
PFS and EML operate subsidiaries and branches in the EU and UK for regulatory compliance.
What licenses does the payment service have?
PFS Card Services (UK) is authorized as an Electronic Money Institution (EMI) by the UK Financial Conduct Authority.
In which jurisdictions does the service operate officially?
The service holds licenses to operate in the UK and across the European Economic Area under passporting rights.
Are there licenses for cryptocurrency operations?
There are no verified cryptocurrency-specific licenses for this service.
Does the service comply with AML/KYC requirements?
The company is required by regulation to enforce anti-money laundering (AML) and know your customer (KYC) standards.
Are there security certificates (PCI DSS, etc.)?
Services handling payments typically comply with PCI DSS standards and other security certifications.
Has the service undergone security audits?
Regular security audits are conducted to comply with regulatory and industry requirements.
Is there insurance for client funds?
Client funds are safeguarded as per e-money regulations and held in segregated accounts, not insured by FSCS.
Which international standards does it comply with?
Compliance includes PCI DSS, ISO standards, and UK/EEA electronic money regulations.
Have there been any regulatory fines or violations?
Any fines or regulatory actions are recorded on the FCA register and financial news; no major fines are publicly noted.
Where can I find real reviews about the service?
Real reviews can be found on Trustpilot, Google Reviews, and financial services forums.
What are the main user complaints?
Common complaints include account freezes, delayed transfers, and documentation requests during verification.
What do users most often praise the service for?
Users often praise the ease of obtaining prepaid cards and the service's European reach.
Are there issues with fund withdrawals?
Some users report delayed or blocked withdrawals, often related to compliance checks.
Is the interface convenient according to users?
The interface is generally considered functional, though some users desire improved usability.
Are clients satisfied with transaction speed?
Most clients report standard transaction speeds, though occasional delays are noted.
Do users recommend this service?
Recommendations are mixed; users satisfied with prepaid solutions are more likely to endorse the service.
How do experts assess the service's reliability?
Experts view regulated EMIs such as PFS as offering a secure and reliable standard compliant with industry norms.
Are there industry awards and recognitions?
Prepaid Financial Services has earned industry accolades for innovation and prepaid card solutions.
Does the service participate in payment system rankings?
PFS and parent company EML feature in European and global fintech payment rankings.
Are there recommendations from financial regulators?
Regulators typically do not provide endorsements but monitor for compliance and authorize firms.
What reputation does the service have among partners?
The service is viewed as a reputable issuer and program manager by industry partners.
How do they evaluate solution innovation?
PFS is noted for innovation in prepaid and e-money solutions, including bespoke and white-label services.
Are there quality service certificates?
Quality certifications such as ISO 9001 may be held, evidencing process and service standardization.
Does the company participate in industry conferences?
Company representatives regularly attend and speak at payments and fintech conferences.
How does the service position itself in the market?
The service positions itself as a flexible and innovative prepaid and e-money provider across Europe.
Which fiat currencies does the service support?
Supported currencies include GBP, EUR, and other major European and global currencies.
Are cryptocurrencies supported? Which ones specifically?
No verified information on cryptocurrency support or named coins/tokens for PFS Card Services.
Is there a proprietary cryptocurrency or token?
There is no proprietary cryptocurrency or token issued by PFS Card Services.
Can currencies be converted within the service?
Currency conversion is typically available between supported fiat currencies at set rates.
What exchange rates are used for conversion?
Exchange rates are provided by currency markets and third-party providers; a markup may apply.
How often are exchange rates updated?
Exchange rates update frequently, typically in real time or at fixed intervals set by the provider.
Are stablecoins supported?
There is no information confirming stablecoin support.
Can exotic currencies be handled?
Exotic or less common currencies may not be supported; main offerings focus on GBP, EUR, and key currencies.
Are there currency restrictions in different countries?
Currency use is subject to geographic, regulatory, and product restrictions laid out in the terms.
What types of transfers does the service support?
Supported transfers include card payments, SEPA payments, bank transfers, and internal transfers.
Can transfers be made between service users?
Internal transfers between users are usually available for platform cardholders.
Are transfers to bank cards supported?
Transfers to bank cards may be available, typically using Visa or Mastercard rails.
Can money be transferred to bank accounts?
Bank account transfers are offered, both domestically and in SEPA regions.
Is bill payment available?
Bill payment functionality may be integrated depending on the program and jurisdiction.
Are recurring payments supported?
Recurring payment features may be available for certain cards and accounts.
Can automatic transfers be set up?
Automatic transfers can generally be arranged as part of scheduled payments or standing orders.
Is payment scheduling available?
Payment scheduling is a common feature for regular bill or account payments.
Are group payments supported?
Group payment or “split payment” capabilities may be offered through select card programs.
Can payment links be created?
Payment links for collecting funds or payments may be enabled for business users.
What are the minimum transaction amounts in the service?
Minimum transaction amounts vary by card program but are typically as low as £1 or €1.
What are the maximum amounts that can be transferred?
Maximum amounts depend on account type and verification, often set according to regulatory requirements.
Are there daily limits on operations?
Daily transaction limits are imposed and vary by verification level and account type.
What monthly and annual limits are in effect?
Monthly and annual limits are enforced in compliance with AML and regulatory obligations.
Can limits be increased? How?
Users may request limit increases by submitting additional verification and documents.
Do limits differ for verified users?
Verified users generally benefit from higher transaction and withdrawal limits.
Are there restrictions for new accounts?
New or unverified accounts are subject to stricter initial transaction and withdrawal limits.
Do special limits apply in different countries?
Yes, limits may vary by country of residence and regulatory jurisdiction.
Can operations be temporarily blocked?
Temporary blocking can occur due to compliance reviews, suspected fraud, or security checks.
Are there limits on the number of daily operations?
The number of daily transactions may be limited per anti-fraud and compliance protocols.
What are the minimum amounts for account funding?
The minimum funding amount is typically low, such as £1 or €1, but may vary.
What methods of funding are supported?
Supported funding methods include bank transfers, card top-ups, and sometimes alternative e-wallet services.
Are there fees for funding?
Funding by card or alternative methods may incur a small percentage fee; bank transfers are often free.
What are the minimum funding amounts?
Minimum funding thresholds depend on the funding method and specific product.
How quickly are funds credited when funding?
Funds funded by card or instant transfer are credited immediately; bank transfers may take 1–2 business days.
How can money be withdrawn from the system?
Withdrawals are supported to bank accounts, cards, or ATMs depending on card program.
Are there fees for fund withdrawal?
Withdrawal fees apply depending on method and are outlined in the program's tariff schedule.
How long does withdrawal take?
Withdrawal to bank accounts usually takes 1–2 business days; card withdrawals may be instant or near-instant.
What withdrawal limits are set?
Withdrawal limits are determined by account type, card program, and verification status.
How quickly are funds credited when funding with a card?
Card funding is generally immediate, subject to successful authorization.
How long does a bank transfer take?
Bank transfer funding may take 1–2 business days depending on bank processing.
How quickly do cryptocurrency transfers arrive?
If supported, cryptocurrency deposits are credited after sufficient blockchain confirmations, typically within an hour.
Are transfers between users instant?
Internal transfers on the same platform are usually immediate.
Are there delays when funding on weekends?
Some delays may occur, especially for bank transfers initiated over weekends.
Do holidays affect funding speed?
National and banking holidays may delay processing of deposits and transfers.
Can crediting be accelerated for a fee?
Some providers offer express funding for an added fee; availability depends on the card program.
What determines the speed of funding processing?
Processing speed depends on funding method, bank cut-off times, and compliance checks.
Are there notifications about funding status?
Email or SMS notifications are typically sent when funds are credited or funding is pending.
What to do if funding takes too long?
Contact customer support with transaction details for resolution and investigation.
How quickly are withdrawal requests processed?
Withdrawal requests are processed the same or next business day, subject to compliance checks.
How long does card withdrawal take?
Withdrawals to bank cards are generally instant to a few hours, subject to card network.
How quickly do bank transfers arrive?
Bank transfer withdrawals usually arrive within 1–2 business days.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawal times depend on network congestion but are typically processed within an hour if supported.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends may be processed the next business day.
Do holidays affect withdrawal speed?
Public holidays can impact withdrawal timelines due to non-processing days.
Can withdrawal be accelerated for an additional fee?
Some express withdrawal options may be available for a higher fee, depending on the provider.
What determines withdrawal processing time?
Processing time is influenced by withdrawal method, verification, and anti-fraud checks.
Are there notifications about withdrawal status?
Notifications are sent via email or SMS when a withdrawal is processed or completed.
Can a withdrawal request be canceled?
Withdrawal cancellations can be requested before processing, subject to terms and status.
How to register with the payment service?
Registration requires completing an online form, providing personal details, and agreeing to terms.
What data is needed to create an account?
Users must provide full name, date of birth, address, email, and sometimes ID details.
Can registration be done without email?
Most providers require a valid email; some may allow mobile registration but email is industry standard.
Is phone confirmation required during registration?
Phone number verification is usually required to ensure account security.
Are there age restrictions for registration?
Minimum age is typically 18 years, in compliance with legal financial regulations.
Can a corporate account be created?
Corporate accounts may be created by supplying company documents and authorized personnel details.
Is it required to provide real data?
Real, accurate personal data is required for compliance and verification purposes.
Are there country restrictions for registration?
Registration is restricted based on licensed countries of service operation.
How long does account activation take?
Account activation is usually immediate if all information is correct; delays may occur for KYC checks.
What verification levels exist?
Typical tiers include basic (ID), advanced (address and ID), and business (corporate documentation).
What documents are required for basic verification?
Basic verification requires valid government ID, e.g., passport or driver’s license.
Are documents needed for full verification?
Full verification includes address proof and additional documents depending on account type.
Are digital copies of documents accepted?
Digital scans and photos of documents are generally accepted for verification.
How long does the verification procedure take?
Verification may take minutes to a few business days depending on document volume and checks.
Can the service be used without verification?
Limited access is granted to unverified users, with strict transaction and funding caps.
What restrictions apply to unverified users?
Limits on transaction volume, funding, and some features apply until full verification.
Is address confirmation required?
Address confirmation may be required for advanced verification or certain transaction thresholds.
Is a selfie with documents required?
Some verification levels require a selfie holding the ID document for fraud prevention.
How often do documents need to be updated?
Documents are updated only as required by regulation, typically if expired or requested during review.
What encryption technologies does the service use?
Industry-standard encryption, such as SSL/TLS and AES, is used for securing all sensitive data.
Is two-factor authentication supported?
Two-factor authentication (2FA) is usually supported via SMS, app, or email verification for security.
Are there SMS confirmations for operations?
SMS confirmations are sent for sensitive transactions or logins for added security.
Is biometric authentication supported?
Mobile apps often support biometric login via fingerprint or face recognition where hardware allows.
Is blockchain technology used?
Verified information does not confirm blockchain usage within this service.
Is there a multi-level security system?
Multi-level security combines authentication, encryption, fraud monitoring, and activity tracking.
How is user personal data protected?
User data is protected following GDPR and EU/UK privacy and security laws, using advanced encryption and restricted access.
Is cold storage used for cryptocurrencies?
No published evidence of cold storage for cryptocurrencies as of verified information.
Is there DDoS attack protection?
DDoS protection is implemented via firewalls, anti-abuse tools, and network security services.
Are regular security audits conducted?
Regular internal and external security audits ensure compliance and risk management.
What anti-phishing protection measures are provided?
Email confirmations, secure access protocols, and ongoing client education are common anti-phishing safeguards.
Is there a suspicious activity detection system?
Automated monitoring detects unusual activity and flags accounts for review.
How does the service combat money laundering?
AML procedures include customer due diligence, transaction monitoring, and reporting to authorities.
Is there blocking of suspicious accounts?
Suspicious accounts are frozen or blocked pending investigation, per compliance policies.
What to do when fraud is detected?
Immediately notify support, freeze the account, and follow guidance provided by the compliance team.
How to report suspicious activity?
Report suspicious activity to support through official channels—email, phone, or web form.
Is there compensation for damage from fraudsters?
Compensation is evaluated based on circumstances and compliance with user agreements and terms.
What user rights exist for disputed transactions?
Users may dispute unauthorized or erroneous transactions per formal dispute resolution and chargeback policies.
How to dispute account blocking?
Account freeze disputes should be raised through customer support, with supporting documents for review.
Is there insurance against cyber attacks?
Specific cyber insurance coverage may exist at company level; client funds are safeguarded as per e-money rules.
What fees does the service charge for transfers?
Transfer fees depend on destination, method, and program terms and are outlined in the applicable tariffs.
Are there fees for account funding?
Funding fees are determined by the method used and disclosed in the schedule of charges.
Are fees charged for fund withdrawal?
Withdrawal fees may apply based on method (card, bank, ATM) and are specified in each card program.
Are there fees for currency conversion?
Currency conversion incurs a fee or markup, clearly disclosed in the terms.
Are there fees for account inactivity?
Inactivity fees may be charged after a defined period of dormancy, as detailed in the fee policy.
Are there account maintenance fees?
Maintenance fees may apply monthly or annually, depending on the cardholder agreement.
Are fees charged for operation cancellation?
Cancellation fees apply for certain operations, disclosed in the terms of use.
Are there fees for expedited operations?
Expedited service fees are charged for priority or instant processing where offered.
Are there hidden fees?
Fee transparency is required by regulation; all fees should be clearly disclosed in the user agreement.
How are fees calculated for large amounts?
Fees for large transfers may be percentage-based or capped, per tariff schedule.
Are there different tariff plans in the service?
Various tariff and pricing plans are available, tailored to client and card type.
What advantages does VIP status provide?
VIP clients enjoy higher limits, lower fees, exclusive support, and priority processing.
How to get preferential conditions?
Meet predefined criteria such as transaction volume or apply for eligibility through account management.
Are there free operations per month?
Free allowances for certain transactions are sometimes included in specific tariff plans.
Are there discounts for active users?
Discounts for high usage or loyalty are sometimes offered through loyalty programs.
Are there corporate tariffs?
Corporate tariff plans are available with custom pricing, higher limits, and additional features.
Can individual conditions be obtained?
Customized terms may be negotiated for high-value or corporate clients.
Do promotional codes work for fee reduction?
Promotional codes may be distributed for fee reductions or special offers.
Are there cashback programs?
Cashback programs may be integrated into certain card and account types.
Are there discounts for transaction volumes?
Volume-based discounts are offered for business or VIP clients.
Is there an official mobile application?
An official mobile application is available for PFS cardholders.
On which platforms is the application available?
The mobile app is usually available for iOS and Android devices.
What functions are available in the mobile application?
Features include balance checking, transaction history, card management, payments, and notifications.
Does functionality differ from the web version?
Core account management is similar; some advanced features may be web-only due to regulatory or interface limits.
Is Touch ID/Face ID supported?
Biometric authentication (Touch ID/Face ID) is supported if the user's device allows it.
Can the application work offline?
Offline mode is generally unavailable due to security and up-to-date data requirements.
Are there push notifications about operations?
Push notifications are provided for key activities and transactions.
Is dark theme supported?
Dark theme or night mode availability depends on the latest app version and platform.
How often is the mobile application updated?
Updates are released periodically to address bugs, improve security, and add new features.
Are there beta versions of the application?
Beta releases or early access versions may be available for testing by invitation.
Is the web interface of the service convenient?
The web interface is designed for clarity and usability by account holders.
Is responsive design supported?
Responsive web design ensures optimal use across devices and screen sizes.
In which languages is the interface available?
The interface is primarily in English, with other languages offered for broader audiences.
Is there a night mode for the website?
Night mode availability depends on the latest design updates.
Are hotkeys supported?
Hotkey or keyboard shortcut support is rarely provided in financial web platforms.
Can data be exported?
Account data can usually be exported in standard formats like CSV or PDF.
Is there an API for developers?
API access is available for partners and business clients under agreement.
Is integration with other services supported?
Integration with third-party services and accounting platforms is available for corporate clients.
How often is the web interface updated?
Web updates are released as needed to maintain compliance and enhance user experience.
Are there virtual cards in the service?
Virtual card issuance is supported for secure online payments.
Can disposable cards be created?
Disposable or single-use virtual cards are available for enhanced security.
Is multi-currency account functionality supported?
Multi-currency accounts are supported for eligible users.
Are there investment products?
Investment products are not commonly available through this service.
Can interest be earned on balance?
Account balances typically do not accrue interest due to e-money account structure.
Are there credit products?
Credit services are generally not offered; the focus is on prepaid and stored-value services.
Is P2P trading supported?
P2P trading is not a standard feature in prepaid card platforms.
Can cryptocurrencies be bought/sold?
Cryptocurrency purchase or trading is not supported by the standard PFS service.
Is there acquiring for business?
Merchant acquiring and business payment acceptance are offered to corporate clients.
Are mass payouts supported?
Mass and bulk payout capabilities are available for business and payroll applications.
Is there a loyalty program in the service?
Loyalty features may be available, especially for corporate and program partners.
How are bonus points earned?
Bonus points are earned through promotional transactions or as part of specific loyalty programs.
Is there cashback for operations?
Cashback may be earned on eligible transactions where offered.
Are there referral programs?
Referral programs with incentives may be available for account holders.
What privileges do VIP clients have?
VIP clients benefit from exclusive support, increased limits, and preferential rates.
Are there seasonal promotions and offers?
Seasonal promotions are run periodically, often announced via email or app notifications.
Can premium status be obtained?
Premium account status can be acquired by meeting set criteria or by special application.
Are there partner discounts?
Partner merchant discounts are available for eligible cardholders and loyalty participants.
Are there corporate loyalty programs?
Corporate loyalty and reward programs are available for business accounts.
Does the service allow operations with online casinos?
Support for gambling and casino transactions depends on card program terms and regulatory limits.
Are there restrictions on gambling transactions?
Gambling and casino operations are subject to regulatory and issuer restrictions; limits or blocking may apply.
Can accounts be blocked for casino play?
Accounts may be frozen or limited for excessive or suspicious gambling activity.
How does the service view gambling?
The service applies regulatory guidelines to gambling, monitoring and occasionally restricting such transactions.
Are there special conditions for gambling?
Special limits, fees, or reporting may be in place for gambling-related payments.
Are casino transactions tracked?
Gambling transactions are identified and tracked for compliance and risk management.
Can operations with gambling sites be hidden?
Transactions must be transparent; obscuring or mislabeling gambling payments is not permitted.
Are there notifications about gambling expenses?
Notifications for gambling expenses can be configured for user awareness and control.
Are there special fees for gambling operations?
Additional fees may apply to gambling-related transactions depending on policy.
Can limits be set on gambling?
Users may set spending limits for gambling transactions, and the service may enforce mandatory limits.
Is there a self-exclusion function?
Self-exclusion can be requested to block or restrict gambling-related operations.
Can access to gambling sites be restricted?
Platforms may block gambling transactions upon request or regulator instruction.
Is gambling expense control supported?
Expense tracking and limit features for gambling are provided where required by law.
Are there notifications about limit exceedance?
Alerts notify users when limits for gambling or spending are reached or exceeded.
Can operations with casinos be blocked?
User-initiated or regulator-mandated blocks are possible for casino transactions.
Is there gambling expense statistics?
Tools or statements may be provided to help users track and analyze gambling spending.
Is a "cooling-off period" supported?
A cooling-off or temporary block period for gambling may be available to promote responsible gaming.
Can help be obtained for gambling addiction?
Access to responsible gambling resources and support organizations is typically facilitated.
Is there partnership with player assistance organizations?
Partnerships with problem gambling support services can be arranged as part of compliance.
How to set up gambling expense notifications?
Configure gambling spend alerts via account settings, notification preferences, or by contacting support.
Which online casinos accept this payment method?
Acceptance by specific casinos depends on their listed payment options and geographic restrictions.
Are there exclusive partnerships with specific casinos?
Exclusive payment partnerships are possible but not publicly detailed for this card program.
Do conditions differ when used in different casinos?
Transaction limits, speeds, and fees can vary by casino and jurisdiction.
Are there special bonuses for using this method in casinos?
Casino-specific offers may apply but are subject to program and casino terms.
Can the method be used for both deposits and withdrawals in casinos?
The card may be used for both deposits and withdrawals when permitted by casino and card issuer.
Are there geographic restrictions for casino usage?
Restrictions for gambling transactions vary by country and program rules.
How do casino operators typically process transactions from this method?
Card deposits to casinos are processed as standard payment card transactions; compliance checks apply.
Are there typical processing times when used with casinos?
Processing times for casino deposits are usually instant; withdrawals may take 1–3 business days.
Do casinos usually charge additional fees for this method?
Fees for using cards in casinos depend on both the issuer and the casino.
Are there any known compatibility issues with major casino platforms?
Compatibility is generally broad with most major platforms assuming the card is accepted by the merchant.