Terms and Conditions

These terms and conditions outline the rules and regulations for the use of PAIDX’s Website.

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use PAIDX’s website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refer to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of United Kingdom. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.


We employ the use of cookies. By using PAIDX’s website you consent to the use of cookies in accordance with PAIDX’s privacy policy.

Most modern-day interactive websites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate/advertising partners may also use cookies.


Unless otherwise stated, PAIDX and/or its licensors own the intellectual property rights for all material on PAIDX. All intellectual property rights are reserved. You may view and/or print pages from https://paidx.co.uk for your own personal use subject to restrictions set in these terms and conditions.

You must not:

  1. Republish material from https://paidx.co.uk
  2. Sell, rent or sub-license material from https://paidx.co.uk
  3. Reproduce, duplicate or copy material from https://paidx.co.uk

Redistribute content from PAIDX (unless content is specifically made for redistribution).

Service Agreement

Money transfers will normally be paid to the Receiver in Cash or Bank deposit after validation of Sender information which may take up to 24 hours. PAIDX has tie-up arrangement with Local Banks in Destination countries for payment disbursement.

Reservation Of Rights

We reserve the right to ask for your IDENTITY, SOURCE OF FUNDS and PROOF OF ADDRESS at any time and it’s our sole discretion to cancel the transaction due to compliance checks, you agree to be bound to and abide by these linking terms and conditions.

Foreign Currency Exchange

Exchange rates are determined based on market conditions and may fluctuate. Customers will be informed of the applicable rates before confirming a currency exchange transaction.

Fees and Charges

Customers are responsible for paying any fees or charges associated with currency exchange transactions. These fees may vary based on factors such as the amount exchanged, the method of payment, and other relevant considerations.

Transaction Limits

PAIDX may impose limits on the amount of currency that can be exchanged per transaction or within a specified time period. Customers are expected to adhere to these limits.

Verification and Compliance

Customers must provide accurate and complete information during the currency exchange process. PAIDX reserves the right to verify customer identity and compliance with applicable laws and regulations.

Cancellation and Refunds

Once a currency exchange transaction is initiated, it may not be cancelled, and fees are non-refundable. Exceptions may be made in cases of errors or issues arising during the transaction process, at the discretion of PAIDX.

Privacy and Security

PAIDX is committed to safeguarding customer information. Personal and financial data will be handled in accordance with the company’s privacy policy and relevant data protection laws.

Currency Availability

PAIDX reserves the right to limit the availability of certain currencies or discontinue the exchange of specific currencies without prior notice.

Limitations of liability

  • If a money transfer you ordered is delayed or fails, you may have a right to receive a refund less applicable fees or compensation under Money Transfer Regulations. Please contact us at info@paidx.co.uk for more information regarding refunds and compensations.
  • Claims for refund or compensation must be supported by all available evidence.
  • If a money transfer in accordance with an order you made and that we Confirmed is delayed or fails and you are not entitled to a refund or compensation under the Money Transfer Regulations, we expressly limit our liability in respect of any such delayed or failed transfer (including for any claimed refund) to the greater of: (a) the amount of any service charge that was paid to us; and (b) €600. The foregoing cap on our liability applies to any single transaction, act, omission or event and to any number of related transactions, acts, and omissions or events.
  • We shall not be liable to you or to any third party in relation to the Services, whether for breach of contract, tort (including negligence), misrepresentation, unjust enrichment or any other grounds, for any indirect, incidental, consequential or special damages including any loss of profits or savings or anticipated profits or savings, loss of data, loss of opportunity, loss or reputation, goodwill or business or any economic loss, even if we are advised in advance of the possibility of such loss.
  • We are not liable for the quality, safety, legality, or delivery of the goods or services that you pay for using the Services.
  • We shall not be liable for any breach of our obligations under the Contract to you nor for any failure or delay in performance of any obligations under the Contract arising from or attributable to acts, events, omissions or accidents beyond our reasonable control, including, without limitation, where our failure to perform our obligations arise from:
    1. an act of God, fire, flood, earthquake, windstorm or another natural disaster, explosion or accidental damage, war, the threat of or preparation for war, armed conflict, imposition of sanctions, embargo, export controls, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, pandemic or epidemic, industrial disputes, shortages of raw materials or components, general disruptions to transportation, telecommunication systems, power supply or other utilities;
    2. the acts, decrees, legislation, regulations or restrictions imposed by any government or state;
    3. the actions or omissions of the third parties;
    4. malfunctions in communications facilities that cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
    5. any losses or delays in transmission of messages arising out of the use of any internet access service provider or caused by any browser or other software which is not under our control; or
    6. any Malicious Code interfering with the Service
  • (each, a “Force Majeure Event”).
  • Our performance under the Contract shall be deemed suspended for the period that the Force Majeure Event continues and the time for performance will be extended for the duration of that period. We will use our reasonable endeavours to find a solution by which our obligations under the Contract may be resumed despite the Force Majeure Event.

Cancellations & Refund

You can cancel the Click & Collect / Online order any time prior to collection/dispatch. We’ll refund you the full Sterling amount that you paid for your order, within three working days of receipt unless you cancel less than 24 hours before your collection/dispatch date, in which case we’ll charge a £10 late cancellation fee. We are only able to refund any monies directly to the card you used to purchase your currency.

We are unable to refund any fees charged by your card issuer, so please contact them if you have any further queries.

Complaints Handling

Please contact us if you have any queries or require a copy of these Terms and Conditions.

We aim to provide the highest level of customer service possible. If you do experience a problem, we will always seek to resolve this as quickly and efficiently as possible. However, if you are unhappy and would like to make a complaint, please contact us as soon as possible to deal with your complaints promptly and fairly. For questions, complaints or other matters you can contact us on our Website or by contacting our customer service team at:

Complaints Officer
PAIDX 97 High Street North, East Ham London.E6 1HZ
Phone:   020 34414041
Email:   info@paidx.co.uk

We will then investigate the matter and try to reach a satisfactory conclusion.

Complaints may be recorded and monitored for our internal use; we may submit an anonymous summary of complaints made to us during a particular period of time to our regulator. We will deal with a complaint promptly and fairly, normally witin 24 hours. We will try our best to resolve the complaint at the first opportunity. The complainant agrees that we may communicate with him preferably via email and in the English language. In case we feel we need more time to resolve a complaint, we will send the complainant a final response letter within 15 business days of receipt of a complaint. In exceptional circumstances, we will send the complainant a holding reply within 15 business days specifying the deadline by which the complainant will receive our final response, being no later than 35 business days from the date of the initial complaint. If the complainant does not receive our final response or the complainant is unhappy with our final response, the complainant can write to:

The Financial Ombudsman Service
Exchange Tower, London.E14 9SR.
Phone: 0800 023 4567
Website: www.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk.

The complainant should do so within 6 months from the date of the final response.


To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  1. Limit or exclude our or your liability for death or personal injury resulting from negligence;
  2. Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  3. Limit any of our or your liabilities in any way that is not permitted under applicable law; or
  4. Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Terms and Conditions of Fee-Free Offer 

1. Acceptance of Terms and Conditions: By utilising the services of  PAIDX for money remittance, the customer acknowledges and agrees to comply with these terms and conditions.

2. Services Provided: PAIDX offers money remittance services to facilitate the transfer of funds from the sender to the designated recipient via third parties; Ria, Western Union, and Moneygram. The services may include electronic transfers, cash pickups, and other related financial transactions.

3. Eligibility: Customers must meet the eligibility criteria set by PAIDX to use the money remittance services. The company reserves the right to refuse service to anyone at its discretion.

4. Fees and Charges: Customers are responsible for paying the applicable fees associated with the money remittance services. These fees may vary based on the amount of money transferred, the chosen delivery method, and other relevant factors. Fee-free bank transfers are not available in all countries. This offer is only available in eligible countries i.e. Pakistan. Our customer support agent will inform you of any applicable charges or if you can send fee-free money transfers to other countries. Our customer support agent would strive to assist you in saving money or applicable charges where possible to enable you to make informed decisions.

5. Exchange Rates: Exchange rates applied by  PAIDX will be disclosed to the customer before the transaction is completed. The rates may fluctuate based on market conditions and may differ from rates offered by other financial institutions.

6. Transaction Limits: PAIDX may impose limits on the amount of money that can be remitted per transaction or within a specified period. Customers are responsible for adhering to these limits.

7. Verification and Compliance: Customers must provide accurate and complete information during the registration and transaction process. PAIDX reserves the right to verify customer identity and compliance with applicable laws and regulations.

8. Cancellation and Refunds: Once a transaction is initiated, it may not be cancelled, and fees are non-refundable. However, PAIDX will make reasonable efforts to rectify any errors or issues that may arise during the remittance process.

9. Privacy and Security: PAIDX prioritizes the privacy and security of customer information. Personal and financial data will be handled in accordance with the company’s privacy policy and relevant data protection laws.

10. Disclaimers: PAIDX is not liable for delays, errors, or disruptions beyond its control, including but not limited to issues with banking systems, government regulations, or force majeure events.

11. Amendments: PAIDX reserves the right to amend these terms and conditions or cancel any offers at any time without notice.

By using PAIDX’s money remittance services, the customer agrees to abide by these terms and conditions. If you do not agree with any part of these terms, please refrain from using our services.