Modern, Fast & Secure Payment Solutions

Transfer times vary by destination and payment method:

• Bank transfers: 1-2 business days
• Mobile wallets: Usually within 1 hour
• Cash pickups: Instant once processed
• Card transfers: Typically within minutes

We'll always show the estimated delivery time before you confirm your transfer.

For your first transfer, we typically require:

• Government-issued ID (National ID Card, Passport, or Residence Permit)
• Proof of address (utility bill or bank statement)
• In some cases, proof of funds source (payslip or bank statement)

Subsequent transfers usually require no additional documentation.

Security is our top priority. We use:

• Bank-level 256-bit SSL encryption for all transactions
• Two-factor authentication (2FA) for account access
• Regular security audits and penetration testing
• Segregated client accounts to protect your funds
• Compliance with GDPR and global financial regulations

Your data is never shared with third parties without your consent.

Our indicative transaction limits are:

Aydapay's operations, as a supervised institution registered on the Polish Financial Supervision Authority's (KNF) list of Small Payment Institutions under the number MIP238/2024, are conducted in full compliance with:

• The Act of August 19, 2011, on Payment Services
• The Act of March 1, 2018, on Counteracting Money Laundering and Financing of Terrorism (AML Act)
• Guidelines issued by the European Banking Authority (EBA), particularly EBA/GL/2021/02 (as amended), concerning customer due diligence measures and AML/CFT risk factors
• Other guidelines and positions of national and international supervisory authorities, including specifically the KNF Guidelines on the principles of applying video verification for customer identity identification and verification

Detailed operational guidelines, the scope of required information, and a complete description of the customer identification and verification process, including the use of remote verification means (video verification), are specified and described in the Aydapay Terms of Service.

While most transfers arrive on time, occasionally delays can happen due to:

• Bank processing times (especially weekends/holidays)
• Additional security checks
• Recipient bank requirements

If your transfer is delayed beyond the estimated time, our 24/7 support team will investigate immediately and keep you updated. In rare cases, we may refund fees for significant delays.