UnipolPay

About Us

UnipolPay S.p.A. is an electronic money institution (istituto di moneta elettronica, IMEL) duly authorized to provide payment and electronic money services in Italy.

UnipolPay was created for the purpose of offering users an innovative payment solution that may accompany and aid consumers in their daily actions, in particular with reference to their needs in the areas of mobility, health, home and financial education.

Contacts

Registered office: Via Stalingrado 37, 40128 Bologna (BO)

Certified e-mail (PEC): unipolpay@pec.unipol.it

Governance

Board of Directors

Transparency and Privacy

In line with applicable regulatory provisions, information relating to the financial terms and conditions for the products and services provided by UnipolPay, to the processing of personal data, as well as practical instructions and other useful information is provided below.

Corporate Account

• Corporate Account Information Sheet
• Privacy statement

Partner account

• Partner Account Information Sheet
• Privacy statement

memimpresa

• Memimpresa information sheet
• Privacy statement

Instructions and disclosure statements

• Instructions on the Total Cost Indicator (TCI)
• Information on account portability
• European Commission brochure on consumer rights concerning payment services
• Instructions on e-commerce payments in simple words
• Instructions on Arbitrato Bancario Finanziario (ABF, financial banking arbitration) in simple words

Complaints, appeals and mediation

UnipolPay was created to be close to you and the moment of discussion is important for us to improve.

If you are a customer and are not satisfied with the assistance received, you can file a complaint using the following channels:

• registered mail with return receipt to UnipolPay S.p.A., Complaints Office, Via Stalingrado 37, 40128 Bologna (BO);
• regular e-mail to reclami@unipolpay.it, from your registration address;
• certified e-mail (PEC) to reclami.unipolpay@pec.unipol.it.

Our Complaints Office will reply promptly, in any event within 15 business days from receipt of the complaint. In exceptional situations, if the Office is unable to provide a reply within the terms mentioned above for reasons beyond its control, it will send you a provisional reply stating the reasons for delay in handling your complaint and specifying the deadline by which you will obtain a final reply.

• Report on complaint management activity

Other procedures - appeals and mediation

If you are not satisfied with the answers provided by UnipolPay or have not received an answer, we remind you that, according to applicable legislation, you may use:

Arbitrato Bancario Finanziario (ABF, Financial Banking Arbitration)

The ABF is an out-of-court dispute resolution system that offers a simpler, faster and cheaper alternative to going to court.

The ABF is an independent and impartial organisation that - in a few months - decides who is right and who is wrong.

For general information on this system and specific information on the appeals you have lodged, you may:

• view the site www.arbitrobancariofinanziario.it
• call the toll-free number 800-196969
• read the guide “ABF in Simple Words” on the Financial Banking Arbitration service in pdf format

Please note that a “mediation attempt”, i.e. summoning the counterparty before one of the certified mediation bodies listed in the appropriate Register in the attempt to reach an out-of-court settlement, is a requirement before being able to take legal action. For example, the above-mentioned ABF, Conciliatore Bancario Finanziario and any other organisation certified by the Italian Ministry of Justice may be used to make such mandatory “mediation attempt”.

PSD2 Gateway

Under European Directive 2015/2366 (PSD2), accounts opened with different banks and payment service providers may now communicate with each other. With the aim of creating a more integrated and efficient European payments market, PSD2 has introduced new services that allow authorized third parties (third-party providers or TPPs) to gain access to information on the balances and transactions of your online account or to activate payment transactions directly from your account.

In line with the PSD2 objectives, by joining the CBI Globe platform, implemented by CBI S.c.p.a., UnipolPay allows TPPs to exchange information and make online payments using its accounts.