When you insert your PIN incorrectly five times, a notification or a screen will be shown.

(1) Notification: please press ”Forgot your PIN?”. After pressing ”Reset PIN”, the app is blocked and you will need to verify your account again the same way you did when you signed up.

(2) Screen “Account blocked on this device”: you can press the “Verifiy my bank account button”.

The verification process can either be done via your personal banking app or via a transaction code. In case you signed up without using a banking app, you will receive a new 5-digit transaction code. Insert this transaction code into the app and set up a new PIN by following the instructions on the screen.

In the Payconiq app, please go to the ”Transactions” tab where you can view your transactions.

Please check your internet connection – are you using Wi-Fi? Otherwise try switching on your mobile data or connect to a more stable network. Sometimes, you need to login into a Wi-Fi account before being able to access the internet.

In the app, go to the “Contacts” tab and you’ll see all your contacts that already use it on the top of the screen.

The transaction code you received on the IBAN you entered during registration should work. If it does not, it could be that you cancelled your registration and started again.Request a new code. Use the home button to leave the app after requesting the new code. Use the new code. The code is valid for 30 days or until you request a new one.

Limits for users registered via their IBAN are set by Payconiq and cannot be changed. If you however registered via a banking app you may change your limits, depending on the settings in the respective app. In order to do this please contact your bank directly.

You can consult these limits under “Settings” and “Payment information”.

If the system doesn’t recognize your email address, this means your registration has not been completed. You should finish the registration by choosing the “Register” option.

Make sure the number you inserted is correct, and please be patient. It can take up to an hour to receive the SMS code. If the code still hasn’t arrived, press “No SMS received?” to request a new one or check if the phone number is correct. If this does not solve your problem, e-mail us your name and mobile number.

Unfortunately, you are not able to simply change your IBAN. To change your IBAN, you first need to delete your Payconiq account. Please open the app and go to “Settings” (on Android: tap the 3 dots, then tap “Settings”; on Apple: tap “more” and then tap “Settings”) and press “Delete Payconiq Account”. Then you are able to create your account again with using the same account details and enter a different IBAN number. Note that you need to verify your IBAN again.

If you reset your smartphone, the app should be running. Every smartphone has its own way to reset it. You can also check the app store or google play for the most recent update. Please note that the app only runs on iOS 8.1 / Android 4.1 or higher.

Please open the Payconiq app. It will open the page where you left before you requested the code.

No, you can link any European checkings account to your Payconiq account.

Jailbreaking is a hack that frees your iPhone from Apple’s restrictions. Unfortunately our app does not run on jailbroken devices, due to security reasons as our app checks your phone for possible threats. Please open Safari and run “cydia://open”. Any app that opens due to this command you will need to uninstall the app in order for Payconiq to run.

When money is transferred to the wrong merchant please inform the merchant and then email us to provide us with as many details (amount, the receiving party, the date and your account informtion) as possible concerning the payment.

Check if you’re GPS localization has been turned on. It might also help to use Wi-Fi and mobile data as well to increase accuracy.

Please e-mail us your new address and we’ll change it it for you.

Please e-mail us the right spelling and we’ll correct this for you.

Please go to “Settings” (on Android: tap the 3 dots, then tap “Settings”; on Apple: tap “more” and then tap “Settings”), insert your PIN and go to ”Change PIN code”. Enter your current PIN, your new PIN and confirm your new PIN.

Please update your contact list as Payconiq displays your contacts exactly like you saved them in your phone book. This means that Payconiq only copies your own address book from your SIM card or internal storage – this means for example if you saved people on both, the contact will appear twice.

The app shows different characteristics of your contacts – meaning that you can choose which number or e-mail address of the contact you want to invite. This is also helpful if one number does not work – just send the invitation to a different one!

Unfortunately, Payconiq is not available for Windows Phones at the moment. We are however continuously working on adding new features and improvements to our app, possibly making our app avalaible for Windows Phones.

For now it is not yet possible to add multiple bank accounts to your Payconiq account.

Please contact your bank. They might be able to change this setting and make sure that you will receive the information in the transaction.

Because your payments need to be verified with your pincode, you shouldn’t worry. If you however do suspect that somebody knows your PIN and you want us to delete your account, please directly send us an e-mail.

You receive a payment from your friend in your contact list the next working day.

We process the payments directly and deliver the request to your bank. The first payment is processed after two working days. All following payments are processed on the next working day. If you registered via a banking app the money is debited directly.

If you want to unregister from Payconiq, go to ”Settings” (on Android: tap the 3 dots, then tap “Settings”; on Apple: tap “more” and then tap “Settings”). Enter your PIN and go to ”Delete Payconiq account”. Please note that only removing the app does NOT delete your profile.

To find your 5-digit transaction code, please check your bank account statement. We have transferred €0,01 to your bank account from ING Bank N.V. Payconiq. You can find the 5-digit transaction code in the description of the payment. Note that it sometimes takes up two working days before the transaction code is transferred to your bank account. If your bank does not display the description field – contact them directly. They can tell you what the code is.

Our app is available in the Dutch, Belgian, Luxembourgian and French app store. However you can link any European IBAN to your Payconiq account. After registering, you can use Payconiq for peer to peer payments everywhere in the world. For in-store payments, we are currently only covering Belgium.

For users, the download and use of the app is free of charge. Your mobile network provider might however charge you for using the app, for example when you’re using mobile data. Those costs are on behalf of the user.

A user should be at least 18 years old, own a smartphone (Apple running iOS 8.1 / Android running 4.1 or higher), have a European checkings account. Don’t forget that your phone needs to be connected to the internet – either via Wi-Fi or mobile data.

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