5.1. The Client may manage Client’s account via Client’s account remote administration.
5.2. Payment transfers from the Client’s account may be executed:
5.2.1. to another user of the System;
5.2.2. to Single European Payment Area (SEPA) payment system members;
5.2.3. to SWIFT accounts if client is eligible for such Service.
5.2.4. to accounts in other Payment institutions specified in the System
5.3. Opening and maintenance of Client’s account is free of charge, except for cases defined in the Contract on services and/or the Price list.
5.4. If a credit institution or another electronic money transfer system applies fees for transferring money from Client's account to the Client's credit institution account, card or a payment account of another electronic payment system, as well as for transferring money from a credit institution account, card or another electronic payment system to Client’s account, the factual expenses shall be covered by the Client.
5.5. Fees for VIA Payments services are deducted from the Client's account. In case the amount of money on the VIA Payments account is less than the price of Payment service, the Payment service may be not executed.
5.6. In case of transfers to credit institution accounts or payment systems not in SEPA countries and if VIA Payments is indicated as a Payer, together with the Payment transfer, the Recipient is also provided with information that, depending on technical capabilities, can be provided by one or more of the following methods:
5.6.1. detailed information about the Payer-Client is given in the field of the primary Payer provided it is supported by the relevant e-banking or payment system;
5.6.2. detailed information about the Payer-Client is given in the field of payment purpose;
5.6.3. Along with the Payment transfer the Recipient is given a link to a Website where the detailed information about the payment and the Payer is provided.
5.7. VIA Payments shall have the right to transfer funds to the Client also based solely on the Client’s account number specified in the Payment order even if the Recipient’s name (incl. first name and surname) in the Payment order does not match the indicated account number. The Client’s account number given in the Payment order shall be treated as the unique identifier for execution of the Payment order. VIA Payments shall have the right but not an obligation to check whether the Recipient’s account number given in the Payment order matches the Recipient specified in the Payment order. VIA Payments reserves the right not to execute a Payment order if it has well -grounded doubts as to correspondence between the name of the Recipient and the Recipient’s account number contained in the Payment order. The Payer shall directly contact the person, who has received the transfer, on the issue of returning the money.
5.8. If the Payer submits an incorrect Payment order or indicates incorrect data for the Payment transfer, but the Payment transfer has not been executed yet by VIA Payments, the Payer may request to correct the Payment order. In this case the Commission fee indicated in the Price list for the correction of the Payment order might be applied.
5.9. The Client is obliged to provide a Payment order for the execution of the Payment Transaction in accordance with the instructions specified in the System and valid at the moment of Payment transfer. In case the Client is the Recipient, he is obligated to provide detailed and precise information to the Payer so that the Payment Order for the Payment Transaction in all cases complies with the instructions in the System and valid at the moment of transfer. Before sending a Payment Order for the execution of a Payment Transaction or sending information to another Payer, the Client is required to check and update the instructions on filling in the account.
5.10. VIA Payments shall have the right to set requirements in respect of provision of certain information (e.g. transfer amount, currency, Recipient’s first name, surname, legal name, or address, payment codes (such as S.W.I.F.T., BLZ, ABA, Sort Code), as well as other necessary information) that the Payer must provide in order for VIA Payments to be able to cause due execution of the Payment order. Requirements as to information are given in the Payment order form, present Terms & Conditions, Contract on services, Price list, Application or Website or by sending the Client a separate notice concerning submission of the required information.
5.11. In case when it is still impossible to identify the Recipient according to the indicated or corrected data, the funds are stored in VIA Payments system until the Payer or the Recipient contacts and additional data allowing to credit the funds to the Recipient is provided (after debiting the fee for specifying/ correcting the Payment order from the transferred amount before crediting it to the Client’s account of the Recipient). Such funds may also be returned to the Payer under a written request of the Payer. In this case the fee for returning the funds, which is indicated in the System, will be debited from the transferred amount before returning it to the Payer.
5.12. The Client, having noticed that money has been credited to his/ her Client’s account by mistake or in other ways that have no legal basis, is obliged to notify VIA Payments about it. The Client has no right to dispose of money that does not belong to him/ her. In such cases VIA Payments has the right and the Client gives an irrevocable consent to deduct the money from its Client’s account without the Client's order. If the amount of money on the Client's Client’s account is insufficient to debit the money credited by mistake, the Client unconditionally commits to repay VIA Payments the money credited by mistake in 3 (three) business days from the day it has noticed, though no later than after receipt of such request from VIA Payments.
5.13. VIA Payments shall have no liability for execution of orders given to VIA Payments if the Client’s accounts lack the required amount of funds.
5.14. The Client has the right to set up the Payment transfer limits as well as to change limits on Payment transfers for Client’s account by completing an additional confirmation in Personal profile in accordance with the procedure established in the System
5.15. The Client may check Client’s account balance and history by logging in to the Personal profile and requesting to provide Client’s account statement. There is also information about all applied fees deducted from Client’s account of the Client during a selected period of time.
5.16. Any terms related to execution of Payments (incl. fee, sequence and time of execution) and not set out in these Terms & Conditions, shall be stipulated in the Price list or Contract on services.
5.17. The Client confirms that:
5.17.1. incoming funds on its Client’s account are not obtained as a result of criminal activity;
5.17.2. the Client will not use services provided by VIA Payments for any illegal purposes, including actions and operations in order to legalize money received for a criminal or illegal activity.
5.18. The Client can manage the Client’s account and perform Payment transactions from the Client’s account:
5.18.1. via Website by logging in to its Personal profile;
5.18.2. via Application
5.19. In order to execute a Payment transfer via Website, the Client shall via its Personal profile fill in a Payment order in the System and submit it for execution, electronically confirming in the System his/ her Consent to execute the Payment order.
5.20. In order to execute a Payment transfer by using Application, the Client shall fill in a Payment order in the System and submit it for execution, electronically confirming in the System his/ her Consent to execute the Payment order.
5.21. Submission of the Payment order in the System is an agreement of the Client to execute the Payment transaction and cannot be canceled (cancellation of the Payment order is only possible until the execution of the Payment order has been started).
5.22. In case the amount of money on Client’s account is insufficient to execute the Payment transfer, the Payment transfer is not executed, however, the System will attempt executing the Payment order after the Payment order receipt, should Client choose such option. If the amount of money on Client’s account is insufficient in one currency, but there is a sufficient amount of money in another currency, the Payment transaction shall not be executed until the Client converts other currency to the currency of the payment (except for cases, when the Client has ordered an automatic currency exchange feature or the transfer is intended to for paying for goods or services via the System).