Joompay Card is a free and simple virtual card one tap away in your Joompay app. Use card details to pay online or add to Apple Pay or Google Pay for purchases with your smartphone.

Joompay Pay Later allows you to order on Joom and pay for the order later with one of following options:

Joompay Pay-in-30: The payment is made in 30 days after the initial order.

Joompay Pay-in-3: In three payments. You will need to pay the first third of the amount after the order confirmation and the latter payments will be automatically withdrawn on or about the same date of the next month until the full order amount has been paid.

If your order is eligible for Joompay Pay Later, these payment options will appear at your Joom checkout. As soon as the order is placed, you will receive an email from Joompay detailing your future payments.

You will be able to manage your payments and download Joompay Pay Later Supplement in PDF format in Joompay app. If you want to manage or change your Joom order, please visit Joom application or {{link}} website

Frequently Asked Questions

«Joompay Pay Later» allows you to order on Joom and pay for this order in 30 days without any interest and fees. You may pay off the balance earlier too if you wish.

If your order is eligible for Joompay Pay Later, this payment option will appear at your Joom checkout. As soon as the order is placed, you will receive an email from Joompay detailing your future payments. You will be able to access and manage your payments in Joompay app. If you want to manage/change your Joom order, please visit Joom application or Joom.com.

Pay later in 30 days Frequently Asked Questions

Download Joompay app and accept it in the app

Accept payments and enjoy many other features in our app

Download our free {{highlightStart}}Joompay app{{highlightEnd}}

Pay yours friends and enjoy many other features in our app

See detailed transaction info and enjoy many other features in our app

Full experience in the app

Joompay

Balance

Up to €10 from the first Joom purchase

5% cashback from all Joom purchases

Offers

Unlock {{highlighted}} with Joompay app

full experience

Unlock {{highlightStart}}full experience{{highlightEnd}} with Joompay app

Earn up to €10 after your first Joom purchase. Get 5% back from each

Get Joompay card in a tap

We'll compensate up to €10 for your first Joom purchase with Joompay card! ё

Shop on Joom with Joompay to receive up to €10

Use Joompay on checkout to get cashback. Accept it in Joompay app

Get 5% cashback from your Joom purchases

Card details

Get a free Visa card, explore special offers and control your expenses. All in Joompay app

Receive bank transfers via SEPA and enjoy many other features in our app

Enjoy Joompay without limits and many other features in our app

Download Joompay app

Download our free Joompay app

Download Joompay app and {{highlightStart}}get up to €10 bonus{{highlightEnd}}

You’ve got your {{amount}} bonus

Limits

Download Joompay app to contact our support in chat. Or contact us via email

How can we help you?

Activity

Last transactions

Add {{amount}} from {{source}}?

Contact Joompay support in case of any technical issues

Payment confirmation failed

Enter card details

Try again later

Something went wrong

Choose how to add money

To your balance

To your balance {{balance}}

Add money

Enver CVV

Remove the restcriction by upgrading your limits in Joompay app

Add money is restricted for your account

We sent a 4-digit code to {{phoneNumber}}

Log in if you already have one

Sign up into your Joompay account

Prepare your ID document

Verify your identity

To pay with Pay later

Choose payment method

Just 2 steps left

Next step: verify your identity for extra security

Congrats! You’ve created a Joompay account

We cannot process this payment method

We'll use this payment method if there is not enough money on your Joompay balance

Add a direct debit

{{card}} isn’t suitable for your order. Choose another card

Choose another backup card

We'll use this card if there is not enough money on your Joompay balance in 30 days

You have one backup card for all purchases. We'll use this card if there is not enough money on your Joompay balance in 30 days

Choose your backup card

We'll use this card if there is not enough money on your Joompay balance. Now, we’ll freeze €1 and instantly refund it

We'll use this card if there is not enough money on your Joompay balance in 30 days. Now, we’ll freeze €1 and instantly refund it

Add a backup card

Choose {{card}} as your backup card

Automatic bank transfer

Direct debit (SEPA)

New direct debit (SEPA)

Visa, Master card, Maestro

Bank card

New bank card

{{method}} isn’t suitable for your order. Choose another payment method

Choose a payment method for your Pay later orders

Payment method

Choose another payment method

By continuing, I agree to the {{link}}, which has been reviewed and understood by me.

Write to us and we will help you

Experienced an issue during Joompay?

Describe your problem in as much detail as possible:

Financial services are provided by Joompay Europe S.A. For more details please visit www.joompay.com

Confirm your details

Next step: add backup card

It takes less than 3 minutes

A couple more details about you

Sign up for a Joompay account

Unlike any credit, you can instantly access and spend this limit

Get up to €100 shopping limit

Buy all your desired items on Joom today without paying right away.  No interest, no hidden fees

Shop paying €0 upfront

We'll automatically charge you in 30 days so you never miss a payment

Pay anytime within 30 days

Financial services are provided by Joompay Europe S.A., an electronic money institution registered and regulated in Luxembourg.

For more details please visit www.joompay.com

Feel safe about your data and money

Your shopping limit is €100

Add items to your Joom cart

No interest, no hidden fees

Choose “Joompay Pay later” at checkout

We'll charge you only in 30 days

Pay €0 upfront

You can pay anytime it's convinient for you or we'll automatically charge you in 30 days

How it works

You want it, you get it 😍! Even without paying right away. Buy on Joom now, pay in 30 days

Pay €0 upfront for Joom orders with Pay later

Your Shopping Limit is an estimated amount that takes into account various factors such as your previous shopping history on Joom and payment activity with Joompay. However, please note that this limit is not a guarantee and may change.

About Shopping limit

Your Shopping Limit may increase over time if you maintain a positive payment history, pay for your orders on time and continue shopping on Joom. Please understand that our Customer service is not able to influence your shopping limit.

How to increase the limit

Your available “Pay in 30” shopping limit

Your available “Pay in 3” shopping limit

Order amount

Unfortunately, the amount of your order exceeds your available shopping limit

Your order amount exceeds your shopping limit

Make sure that the cost of goods does not exceed the limit

Try another payment method to pay for this order

Settle your Pay later orders in Joompay app to have more available limit

Pay for your active orders

What to do

You confirm that you buy now for €0 on Joom and pay {{amount}} in 30 days

Enter Joompay passcode

You confirm that you buy now for €0 on Joom and pay {{amount}} in 30 days via SMS code

Forgot your passcode?

Enter 4-digit code sent by Joompay to {{phoneNumber}}

Review your plan

Log in to your Joompay account

We'll charge you in 30 days

Pay €0 today

Simple steps

Buy now on Joom and pay in 30 days. No interest, no fees

Log in or sign up into your Joompay account

To secure your account

E-Money License in Luxembourg

Strong Customer Authentication

PSD2 and SCA

PCI DSS Level 1 certification

It can be an ID or a passport

Submit a valid goverment-issued identity document

Make sure you are in a well-lit room

Take a selfie

We need a couple more details about you

Pay later payments will be charged from this card. Now, we’ll freeze €1 and instantly refund it

Pay later payments will be charged from this card or your Joompay balance.

Now, we’ll freeze €1 and instantly refund it

Link a bank card

Step {{current}}/{{total}}

Complete your account

Complete order

Verification

We need to make sure it's you to give you access to our Pay Later services

Verify your number to complete this order

Manage your payments in Joompay app

Order completed

Joompay Pay later is not available for you at the moment

This order exceeds your {{amount}} available limit

Settle your missed payments in Joompay app to place new Pay later orders

Pay off your {{amount}} debt to use Joompay Pay later

To use Joompay Pay later for future orders, open a Joompay account

We can’t provide you with Joompay Pay later right now

Joompay Pay later is not available in your region

Try another payment method to place this order

To use Pay later for future orders, verify your identity in Joompay app

Send and receive cash instantly, securely and for free

Get Joompay app

Simple and free

Get Joompay app

Business

Personal

What’s your country?

Address

form to get our card

Personal information

Fill out this

one-minute

form

Download Joompay and activate your card in a minute

Next steps

Add money to your account

Get up to €10 bonus for the first purchase

Use our card to shop on Joom

Our card and all the bonuses are almost yours

Feel safe

Pay easily

Save money

All the benefits

for your first purchase on Joom made with Joompay card

Install Joompay

Fill out a simple form

Get your card in the app

Start shopping now!

How to get our card

€10 bonus

Up to €10 bonus

5% cashback

Use for free

First, pick your color

Pick your card color

What's next

Do not pay full price upfront

Instalment card

Get cash advance in case you need it

Access your earnings anytime

Set limits and notifications to stick to your budget

Master your money with smart analytics

One place for all your recurring payments

Single-use cards

Grow your savings and reach financial goals faster

Pockets to organise your finances

Enter your email to be the first to learn about this feature

Invest in commodities/stock

Choose the best deposit offer

Accounts in 30+ different currencies

Fractional crypto investing from €1 to start

Invest in cryptocurrencies

Compare insurance offers

Compare deposit offers

Learn more about good financial habits

Round up your purchases

Get extra cashback when you shop at your favourite places (like Joom)

Offers from brands

Cashback for all

Spend effortlessly in any currency with no hidden fees

Excellent FX rates

5 free ATM withdrawals per month in any currency

Fee-free cash withdrawals

We’ll send you an email when the feature is available

In the meantime, get our free Joompay card.

Got it!

Farewell to Joompay, welcome to Vivid!

Select your favourite cashback categories like restaurants, supermarkets or pharmacies and earn up to 4% on these card purchases!

Boost your money with up to 4% cashback

How to open an account?

You’ll receive an annual interest rate of 5% by adding money to an Interest Rate Pocket for the first two months. You can deposit and withdraw money instantly 24/7.

Enjoy a 5% annual interest rate on your cash

Open up to 15 Pockets with separate IBANs to organize your budget, send Instant SEPA transfers across the EU for free, issue a metal or customised Visa debit card, and so much more! Explore all Vivid’s benefits on this {{link}}.

Manage your finances seamlessly with Vivid Money

Explore Prime’s benefits completely free of charge during the first month (higher withdrawal limits, higher cashback, etc). Choose later between a fully functional free Standard plan or staying with Prime and all its advantages.

Try Vivid’s Prime subscription for free

Join Vivid now—Get a 5% annual interest rate and up to 4% cashback!

Are you sure you want to cancel this payment?

Try again later ${codeError}

Check the internet connection and try your payment again

No internet connection

Confirm your payment of ${AMOUNT_FORMATTED} ${CURRENCY.getDisplayName()} to ${MERCHANT_NAME}

Confirm your payment of ${AMOUNT_FORMATTED} ${CURRENCY.getCurrencyCode()} to ${MERCHANT_NAME}

Enter the code from SMS or Push

Go back to the merchant and try your payment again

Time’s out

Share your location to open a Joompay account. This is the only time we’ll access your location services

Are you located in the European Union?

Apple Wallet

Please hide all the card details, except the cardholder name and the last 4 digits of the card number.

Example with plastic card

What’s your document type?

Select your document

Pay later is not available for you at the moment

Verification in progress

We need your Passport, ID Card or Residence Permit

Upload an identity document

Prepare a valid government-issued identity document

Be prepared to take a selfie and photos of your ID

It takes less than 5 minutes

Success!

Pay for your order and get {{bonus}} from this purchase

You’ll get {{bonus}} cashback

You confirm your {{amount}} purchase on Joom

Forgot your passcode? Enter 4-digit code sent by Joompay to {{phoneNumber}}

Complete your order and get cashback

The billing address is usually the place of your residency. It may be different from your shipping address

What’s your billing address?

Make sure it’s your name. It should be as in your official ID

Make sure the number is yours. You’ll need it to log into your Joompay account

To use Joompay for future orders, verify your identity in Joompay app

We can’t provide you with Joompay right now

For all purchases over €10 we compensate €10 max

Use Joompay for your first Joom purchase and buy for €10 or less — we compensate 100%

Use Joompay for your Joom purchases

Identity verification required

How to get 5% cashback

How to get cashback

We'll compensate up to €10 for your first Joom purchase with Joompay

You can get up to {{limit}} per month for your purchases from Joom

Get 100% cashback

Get {{value}} cashback

More rewards

Extra security for your data and money

Pay with Joompay and earn rewards 🎁

Easy and secure way to pay for your orders

Go back to Joom and try paying for your order again

Try another payment method on Joom

We know about this issue and we do our best to fix it

Try another payment method on Joom or upgrade your limits in Joompay app

Your Joompay account is blocked

Payment expired

You have a €50 limit per purchase made with Joompay

You’ve reached the €1.000 weekly limit

You don't have a Joompay account

You’ve reached a €150 limit for Joompay payments

The maximum amount is €10. Accept your cashback in Joompay app

Get 100% cashback from your first purchase on Joom

Joom order

Add {{amount}} to pay with Joompay

Accept your bonus and 5% cashback in Joompay app

Get up to €10 bonus from your first Joom purchase with Joompay

Accept your cashback in Joompay app

Get 5% cashback from all your purchases on Joom

You’ve got{{highlightStart}}{{bonus}} cashback!{{highlightEnd}} Download our free Joompay app and use this money anyway you want

You’ve got {{highlightStart}}cashback!{{highlightEnd}} Download our free Joompay app and use this money anyway you want

Purchase completed

Confirm your Joom purchase on the next screen

{{amount}} got deposited to your Joompay balance for extra security

Get instant push notifications on your phone every time you make a purchase, send and receive money.

over your funds right in the app

Full control

All the benefits 💸

Opportunity to Pay later in selected countries

Up to 5% cashback from your favorite brands

to save money or earn even more with Joompay

Special offers and bonuses

Make the most of your money

Download Joompay

with your phone to download Joompay app

Open your free account

Choose your card from our 3 eye-catchying colors and use it online or in stores

issued in one tap

Plastic or virtual Visa card

Everything you need is now in one app. It’s easy to use and absolutely free, with awesome features and no fees to pay

Managing your money has never been

👌 simpler

“Easy. Quickly. Serious. Lightning fast customer service.”

“Great app, it's a pity that I discovered it so late”

“No brainer for Joom users. Works as expected.”

Our users

love

Including payouts

to Mainland China

Leave your email! We’ll contact you and tell you everything about Joompay

Get in touch with us

Leave your email! We’ll contact you and tell you everything about Joompay

Get in touch

today

Fast and easy

KYC for your seller

Joompay helps you to split payments and send payouts to your seller easily and fast

Simple and reliable

payouts for marketplaces

We gather payments from all PSPs into a single Joompay account

First

We split payouts between your sellers and the marketplace in a way most convenient for you

Then

The entire process is fast, easy and PSD2 compliant

PSP agnostic payouts

Multiple PSPs to optimize costs and user experience

PSP agnostic setup

Payments and payouts in most suitable currencies

Multicurrency

Payment flow fully compliant with all the regulations

Full PSD2 compliance

Automated KYC verification, optimized according to local regulations in different countries

Agent KYC

Instant payouts to Joompay accounts, worldwide transfers to bank accounts and e-wallets, including Mainland China

Multiple payout options

API integration for splitting payments and pinpointing payout delivery times

Easily integrated

Why Joompay?

Multiple withdrawal options for your sellers

We developed an easy API integration process, where with a one-step flow you access all the endpoint documentation for iOS, Android and web, including PHP, Java, Ruby, Python and .Net SDKs

Simple one-step API integration

To receive the most in-depth information about our offer

Contact us

To explore all our features and offers with a trial account

Get a test account

To set up your account and start receiving payments

Sign up

How to accept payments with Joompay?

Each payment form adapts according to the chosen local payment method. Your international clients get to pay through a familiar trusty payment flow

Adaptive payment forms for your clients' convenience

Grow your business and get used to effortless payments with Joompay Payments

Smart choice in online payments

We accept payments in these regions

We give you access to payments from your international clients with full access to all the major global payment methods: Visa, MasterCard, Maestro, and MIR

Universal solution for international payments

We accept all payment methods that your customers know and trust

Global coverage

We support worldwide transfers to bank accounts and e-wallets

We take care of all your PCI-DSS and PSD2 security needs

Online security

You can start accepting first payments within a single week

Quick setup

You get to the entire payment process with a single contract

One-step signing

You connect to all major payment methods through one integration

Simple integration

Why choose Joompay Payments?

Free European account for Ukrainian refugees

Virtual IBAN you can use to receive money from any EU sender

European account to receive and send money in the EU

Frequently asked questions

Online in five minutes

Free European account

No commissions on incoming bank transfers or adding money from any EU card

Free app with zero fees

Or scan the QR code to download the app

Download Joompay app in Google Play or App Store

How to get Joompay

Use it for money transfers in the EU and issue our plastic or virtual Visa card for your offline and online purchases

Joompay is yours

Upload your Ukrainian passport and an EU issued residence permit

We want to support people who lost their homes and were forced to leave their homeland. We offer a free and instant European payment account to help Ukrainian refugees integrate easier into the European financial system

Free European account for Ukrainian refugees

Our app and customer support are in your native language

We speak Ukrainian

Free plastic card and instantly issued virtual card with Google Pay and Apple Pay

Visa card for purchases

Log in

Open the push on your device to complete the login

Push notification sent to {{phoneNumber}}

You’ll be the first one to get it, cause you’re AMAZING 😉 Keep being an amazing active user to get even more special gifts along the way

Joompay merch is almost here...

We no longer support payments via paylinks. Download Joompay app and enjoy simple transfers

Download free Joompay app to send money easily and free

Enter the amount

We couldn’t send €{{amount}}

The page you’re looking for could not be found

Page not found

Enter your email to complete payment

Instantly, securely and for free

Choose how to pay

Scan QR code using your smartphone

It’s free to use

{{name}} can accept this payment only if it was made through our app

Use Joompay App for this payment

Enter &{{paytag}} in the search bar or use the QR code below

in the search bar

Enter

or use the QR code below

Pay {{name}}

It takes 1 minute

It's instant and free

Pay with Joompay App.

Payment ID: {{paymentId}}. Confirmation letter was sent to {{email}}

Confirmation letter was sent to {{email}}

Wanna keep enjoying instant payments?  Download Joompay

Yep, it was that simple

Adapted form to fit your clients' needs

Receive the most in-depth information about our offer

Explore all our features and offers with a trial account

Set up your account and start receiving payments

Contact our sales team and grow your business with effortless payments

Get started with Joompay Payments

We use our expertise on different markets to give a solution that supports all payment methods that your customers know and trust

Localized and covered globally

We made it easy for you to connect to all major payment methods. Start accepting payments all through one integration within a single week

Set up quickly and seamlessly

We ensure an easy flow for business of all sizes: no matter what your scale or turnover is, we provide a perfect customized solution

Catered to all businesses

Something Went Wrong

Our team will contact you shortly to tell you more

Thank you for getting in touch

Contact our sales team

We own the highest-standard certifications to offer your business full online-security and take on all the difficult compliance procedures

Secure and compliant

Integrated through a simple API

Grow your business and get used to effortless payments with Joompay

Smart choice in online payments

We give you access to payments from your international clients with full access to all the major global payment methods in their preferred currency

Unified country-specific payments

Log in to Joompay to pay for your order

To offer you Pay later, Joompay needs to consider certain factors, such as how long you have used Joom and your order history. Some of your information will be shared with Joompay to help with this process. Information shared is limited to what is truly necessary.To learn more about Joompay privacy practices, please read {{link}}

Joompay privacy policy.

Use Joompay Pay in 3 to split your Joom purchases into 3 equal payments. No interest, no fees

You can instantly access and spend this limit on Joom purchases

Get up to €100 in shopping limit

Pay only a third of a price today. We'll automatically charge you once a month until the whole loan is paid off

Buy more, pay less today

We don't have any additional charges - pay only for products you ordered

No interest, no fees

Choose “Joompay Pay in 3” at the checkout

Split into 3 payments

Get full control of all your orders and future payments

Manage your order in Joompay app

Split into 3 payments with Joompay

Checking payment status...

Payment schedule

Before you continue please learn {{link}}

With Joompay Pay in 3

You confirm that you buy now for {{instantPaymentAmount}} on Joom and pay {{futurePaymentsAmount}} in 2 months

Sale dates: 22 November to 28 November

Shop on Joom during our Black Friday Sale and get 10% of your money back

On all 11.11 Joom purchases made with Joompay card!

Get 11% cashback

Excluding charges to other virtual wallets, credit payments, purchases on betting places, cryptos, or lottery. Please note that we reserve the right to amend the terms of the Cashback or cancel it at any time without prior notice.

You will get 1% cashback for each purchase. Maximum €10 per month

Get 1% cashback for your purchases for 30 days

Excluding other virtual wallets, credit payments, purchases on betting places, cryptos, or lottery

You get bonus after a purchase in a store over €10 that your guest makes

Invite up to 5 friends to get €10 per each

All you need is to choose Joompay as your payment method at the Joom checkout

You can finally pay on Joom in one click!

Get up to €10 back for your first purchase on Joom with Joompay card

Farewell to Joompay, welcome to Vivid Money!

Congrats! You’ve created a Joompay account!

We need to make sure it’s still you

Complete your personal information and make sure it matches your ID. We need to make sure it's you to give you access to our Pay Later services

Hi there! I forgot my passcode, please help to restore it.

Contact our support to reset your passcode

Sorry, you don't have a Joompay account

Congrats! You’ve completed the registration!

What’s your address?

Add money and make your first purchase

Your card is ready for shopping on Joom

By creating and confirming a passcode you agree to the

What’s your date of birth?

Our card and all the bonuses are almost yours! Download our app and activate your card in a minute

Download our free

Joompay app

What’s your email?

Up to €10 bonus from the first Joom purchase

5% cashback on all Joom purchases

Use for free. No issuance or monthly fees

Financial services are provided by Joompay Europe S.A., an electronic money institution registered and regulated in Luxembourg. For more details please visit www.joompay.com

Feel safe about your data and money

It takes less than 1 minute

It’s instant and free

Get Joompay card

Don’t wait for card delivery

Get more bonuses with Joompay free Visa card

Make sure it’s as in your official ID

What’s your legal name?

What’s your nationality?

You’ll need it to confirm your transaction and log into your Joompay account

You’ll need it to log into your Joompay account

Create your Joompay passcode

Confirm your Joompay passcode

What’s your phone number?

Pick a color

Issue card in one tap

1. Get a free Visa card

Use any card or Apple Pay

Use any card or Google Pay

2. Add money to your account

And 5% cashback

3. Shop on Joom to get up to €10

Here are your next steps 👇

Congrats! 🎉 You’ve completed your registration in Joompay!

4-digit code sent to {{phoneNumber}}

Verify your number

. Make sure all transaction details are correct as we may be unable to cancel, revert or amend it

You are about to pay Joompay enabling us to issue electronic money to