You agree to be bound by these terms and conditions if you use our services. You consent to the implementation of the money transfer and acceptance of the terms and conditions by initiating a send or receive transaction either through an agent location or through our mobile app or online through our web portal. The terms and conditions are legally binding, and you must read all the terms in their entirety. There are also provisions covering termination of our commitments, limited liability, and exemptions from our liability for damages.
Orium Pay is incorporated in England under Companies House No. SC769545 with its registered address at 13 Smithfield Road, Aberdeen, Scotland, AB24 4NR. Orium Pay is authorized by the FCA for the provision of payment services under FCA FRN No. 998336.
Orium Pay offers money transfer services internationally. The service is provided by Orium Pay through its partners via a network of agents or through our mobile app/online web portal.
Every money transfer constitutes a separate agreement between Orium Pay and the sender of the funds.
When sending money through Orium Pay , you agree to us using our partners to process your transaction and share relevant details with our partners. The terms and conditions along with other documentation related to the Service constitute the entire agreement/ contract between Orium Pay /its partners and you, which governs the use of the service and the individual recipient of the service.
Terms and conditions are subject to changes depending on changes in the law or regulatory requirements. Any changes made after the completion of a transaction will not apply to the current transaction. These changes will only apply to transactions processed after the date the changes have been made.
If you would like a copy of the terms and conditions or additional information about our services, please contact us at [email protected]
The service allows you to send money to a recipient designated by you. The money can be collected by a recipient in cash or sent to the recipient’s bank account or the customer can send money directly via Mobile App/ Web portal.
To use the Orium Pay service, you must be at least 18 years of age. The service is for personal use only and may not be used for gambling purposes, escrow, or trust purposes. Please read the fraud warning on the form. We will not be liable if you change your mind after a recipient designated by you has been paid.
When the money transfer is conducted, certain information will be requested including identification details which is a requirement to meet our regulatory responsibilities. Certain partners will require the selection of a pay-out agent in the receiving country. To change a payout location, you may need to contact our partner directly or we may need to refer your query to our partners.
A control number/PIN is provided to you on the completion of a transaction which must only be provided to the recipient of the transaction to enable the collection of the funds. Orium Pay provides various options for funds being received. The transaction can either be sent directly to a bank account or paid out in cash. For pay-outs in cash, on the receiving side, the recipient will also be requested to provide identification details to ensure that the correct recipient is being paid out.
Orium Pay will endeavour to make the transaction available for payment to the recipient either in a few minutes, by the end of the next working day, or latest by the seventh business day depending on which partner the funds are sent through, subject to statutory or regulatory requirements. If a transaction has been processed at an agent location, a delay can occur if the agent location is unable to provide the funds for payment promptly.
The sender is responsible for providing the recipient with the details of the transactions to enable the collection of funds.
Any errors in the details provided for the recipient could result in a delay in the
transaction being paid.
The fee for the transaction will be indicated on the receipt provided at the agent location
or on the mobile app/ online web portal
Payment shall be made when the relevant details required by Orium Pay or its partners are provided by the recipient including the name of the sender, transaction number, sum sent and country from where the money was sent along with a valid government-issued ID, there may be some local restrictions and additional local regulatory requirements. The acceptable forms of identification differ depending on the country in which the transfer is collected. Payment shall be made to the person that Orium Pay or its agent deems entitled to receive the transaction pay-out.
Orium Pay will have fulfilled its requirement to you to pay out the transaction to the recipients providing the above-mentioned details. For pay-outs at agent locations, the pay-out will be made during the agent opening hours and if the agent has the funds available to conduct the pay-out.
Applicable laws prohibit money transmission companies from conducting business with certain individuals. Orium Pay and its partners are required to screen all transactions against the list of asset freeze targets issued by the office of financial sanctions implementation, HM treasury. If there is a match, Orium Pay will investigate to determine if the match is a real match to the name in the list, during the investigation, there may be a delay in the transaction being paid out. Additional details may be requested during the investigation, including additional identification details from the sender and/or recipient of the money transfer.
In addition to our services, the agent may also offer their products and services. These additional products and services are separate and independent of our service and are offered under the agent's terms and conditions.
Fraud warning: send funds only to individuals you know or can verify as trustworthy. the service must only be used to send funds to family or friends and not for business purposes. If you suspect you are a victim of fraud, contact Orium Pay immediately at 07821662833
By using our mobile app and online web portal, you represent and warrant that you are 18
years or older. We have the right to cancel access if it comes to our attention that you are
under the age of 18.
On completing the registration requirements on the mobile app or online web portal, you will
be provided with login details that are not transferable. You are responsible for ensuring
that the mobile app and online web portal are only accessed by you and that login details
are kept safe and secure. Any damages as a result of the use of the login details by a third
party will be your responsibility.
For any suspicions concerning the confidentially of the app and access to the online web portal, you must notify Orium Pay immediately. Any undue delay in contacting Orium Pay may result in you becoming liable for any losses.
Login details must be updated regularly, every month as a minimum. Ensure that you log out of the app and online web portal after conducting the transaction. We reserve the right to disable access to the app or online web portal at any time for any reason including failure to abide by the terms and conditions.
For payments through the mobile app and the online web portal, you must ensure that you have funds in the account from which payment is being made. We accept payment by debit card but you must authorize your card issuer to transfer the funds required to be received by us for the transaction. Please note that we do not provide service for credit card users.
Terms and conditions of the card issuer will apply to the use of your card or bank account and you must refer to such agreements when making funds required for the transaction. For conducting online transactions, you will need to obtain equipment including a computer or device, telecommunications lines, an operating system, printer to print out any records on paper. You acknowledge that certain software and equipment that you use may not be able to support certain features of our services. We have the right to discontinue supporting an operating system if we determine that the operating system is open to security risks.
We may need to reach out to you to provide additional information about your transaction, request additional information about your transaction or respond electronically to an issue. You consent to receive communication and notices from Orium Pay to pay electronically (to the extent permitted by law). You have the right to withdraw the claim to receive notices on communication.
You consent to provide Orium Pay with updated information concerning your transaction including your email address and residential address.
We will take due care in processing your transaction, abiding by the terms and conditions stated in this document. We do not, however, take responsibility for transactions being declined, terminated, or restricted.
Orium Pay and its agents may refuse a transaction without providing a reason, in particular, to prevent fraud, money laundering, or terrorist financing, a requirement by law, due to a request by a regulatory body, law enforcement body, due to a court order or based on our internal policy.
Under the regulations, we may be liable if we perform a transaction that you did not authorize us to process. If you suspect such a transaction has occurred, you must inform us in writing as soon as you realize that such an unauthorized payment has occurred. We will then investigate the matter.
We must be informed in writing within 13 months of the incident occurring if the refund is to be considered. If during our investigation we determine that the transactions have been authorized by you, the refund will not be done. For any fraud identified, you will remain liable to us.
We will have no liability if we are unable to perform the transaction correctly where it is a statutory obligation or the reason was for events outside of our control.
Orium Pay shall be liable for damages resulting from the intentional gross misconduct by staff or agents while processing the transaction subject to applicable law. Liability is excluded in cases of minor negligence.
The liability of Orium Pay is limited to refund for foreseeable damage to the contract is limited to EUR 500 (in addition to the amount transferred and charges).
Orium Pay will not be liable where details of the transaction have been wilfully or negligently shared with a third party.
Where it is unlawful for us to do so, we do not limit our liability to you.
Orium Pay does not share consumer information with third parties unless there is a legal or regulatory requirement to do so. The law does permit the sharing of personal information where it is necessary to administer a transaction that is authorized by a consumer.
The law also permits the sharing of personal data when it is required to protect the security or confidentiality of the records and to resolve consumer disputes, fraud, claims, unauthorized transactions, local laws, legal requirements, and regulations. These are examples of cases where data is permitted to be shared by law but there may be other scenarios.
By processing the transaction with Orium Pay , you authorize us to conduct additional checks to meet our regulatory requirements including background checks. Additional documentation may also be requested including the source of funds and source of wealth.
The data collected by Orium Pay is used for
Personal data is transferred to our partners and also outside of the EU.
Personal information will be retained by Orium Pay and its partners for the period required by Orium Pay to meet its legal and regulatory requirements. The information requested may change dependent on the current regulatory requirements. We may also request and share data with regulatory bodies and law enforcement.
You have the right to request details on the personal data we hold along with a breakdown of your transactions free of charge. You also have the right to request deletion or correction of data, and restriction of personal data usage including the right to request a restriction on the portability of the data. A request will need to be made in writing and an ID must be provided when making the request. Request to delete data or restrict data movement will be reviewed by the data protection officer, the personal data requested is a regulatory requirement, and deletion of data for transactions already processed may not be possible. Once the request is made, the processing time is two weeks. Further details can be obtained by contacting If you have concerns concerning how your data is handled or any other concerns concerning this notice, please contact our data privacy officer You can also raise a complaint with the Information Commissioner’s Office if we fail to resolve your data protection concerns.
As per the regulations, the fees and exchange rate will be provided before the execution of the transaction, the execution of the transaction is an acceptance of the charges and exchange rate of the transaction. You will be required to pay Orium Pay charges for using the service as well as details of the exchange rate.
Payments on the receiving side will be made in the currency of the receiving country. The rate of exchange is calculated based on interbank rates with a margin. The currency rate shown during the transaction will be the rate that will be applied during the payout of the transaction. For some countries, however, due to local laws, the rate may be an estimate and the actual exchange rate is confirmed when the transaction is paid.
For certain partners, for cash pickup transfers outside of the EEA where USD has been selected as the pay-out currency, and the location may not payout in USD, the amount sent will be converted into the local currency.
Orium Pay is not obliged to match or exceed exchange rates offered
publicly by other
currency exchange providers. Rates of exchange are adjusted several times a day in line with
financial markets.
When using the mobile app for a transaction, any fees charged by the phone service provider
such as charges for data services or any fees, you will be solely responsible for these
charges.
In certain receiving countries, local taxes and services may be levied at the time of collection. The receiver may incur additional charges if receiving funds in an account. Responsibility for checking whether the receiving bank will add additional charges lies with the sender of the transaction.
Orium Pay may charge an administrative fee if the transaction is not collected within one year of the date of the transaction. If the transaction has not been collected within 90 days, the transaction will be considered as ‘expired’ and we will have no obligation to execute an expired transfer. For expired transfers, we will attempt to contact the sender to arrange a refund. If the sender becomes aware of the expiry of the transfer, the sender should contact us to arrange for a refund.
You do not have the right to cancel a transaction. We may however be able to cancel the transaction if the recipient has not collected or received the funds. The cancellation request must be in writing and will in most cases be processed promptly but can take up to 7 days to process.
We do not charge any fees for cancelling and refunding a transaction. For cash transfers where the transfer was not made properly or the funds did not arrive, we will refund both the amount sent and the fee. For transfers to accounts, where the transfer was not made properly or the funds did not arrive, we will refund both the amount sent and the fee. Refund requests will not be accepted if the request was unduly delayed or 13 months have passed since the transaction was processed.
All trade names, trademarks, service marks, copyrights, and other property rights
of Orium Pay are owned by Orium Pay respectively.
They are protected by UK laws governing
trademarks, service marks, copyrights, and other property rights. You are permitted to use
the Orium Pay service including the mobile app/online web portal for
personal,
non-commercial use only.
You must not use, modify, republish or reproduce copies of any graphics, images, promotional
material, or text on our mobile app/online web portal or any receipts or documents shared
with you by Orium Pay or its agents. The copy may only be used to review
the materials that
are being provided.
Money transfers do not tend to give rise to conflicts of interest. If a conflict does occur, Orium Pay will provide the consumer with the details of the conflict including the nature of the conflict, and will ensure that the conflict does not result in a loss to the consumer.
All matters arising from, or out of, or in connection with the agreement without any limitation whatsoever shall be determined following English law and the parties hereby submit to the non-exclusive jurisdiction of the courts of England and Wales to settle any matter or dispute arising out of or in connection with it. A third party shall not have any rights under the contracts (rights of the third-party act 1999) to enforce the contract.
For any problems that you face concerning the service, please contact the Orium Pay head office by emailing us at [email protected] calling us at 07821662833, or writing to us at the following address: Orium Pay , 13 Smithfield Road, Aberdeen, Scotland, AB24 4NR
We will deal with your complaint promptly and fairly. We will respond to your complaint within 15 days or send a holding response of 15 days while we investigate the matter. The final response to your complaint will be made within 35 days of the complaint first being raised. We may need to refer your complaint to a partner or you may need to approach a partner directly to resolve the issue. Details of this will either be on your receipt or we will inform you of this when you contact us.
If you are not satisfied with the response to the complaint, you have the right to refer the complaint to the financial ombudsman. Contact details for the financial ombudsman can be found here: https://www.financial-ombudsman.org.uk/contact-us.
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