The selection of partners is constantly updated. You can see valid offers in the app.
Cashback means you can get money back on your purchases. With IN Pay you can decide which shops or types of shops are the best for you to earn cashback. In the app you can select up to three favourite shops (e.g. Rimi, Kaubamaja, Hortes) or categories (e.g. clothing stores, bookstores), in which you will get 2% of the purchase amount back. Cashback applies regardless of the discounts you may receive with the shop’s loyalty card. We highly recommend that you select all three at once, as you can change your selection again after 30 days.
In addition to your selection and partner offers, IN Pay will make short-term special offers for even more cashback.
You can change your cashback selection 30 days after your latest selection. Your selection is valid until you make a new selection. If you are satisfied with your choice, you need not change anything, but will simply continue to earn cashback from your favourite places.
In such cases, you will always get the largest benefit available at the time of purchase. In other words, whichever offer is better applies to you!
You can select the shops or categories where you earn cashback. Check out the options here. You can make your selection conveniently in the IN Pay app. Enter the app, go to the offers page, select the cashback account and make your selection.
In the app, you have a separate cashback account, from which it is possible to transfer money to your main account and then use it to pay anywhere, anytime.
You can use the accumulated cashback as you wish. The use of cashback is not linked to a specific partner.
You can see the cashback total in the app under the card limit.
Yes, if you have chosen a shop for cashback, you will earn cashback both in the physical and online shop. For example, if you have chosen Kaubamaja, the cashback offer is also valid in Kaubamaja’s online shop.
Indeed, cashback special offers know no borders and you can also enjoy them while abroad.
Yes, you are free to choose a chain or a service provider that has many shops or service points. In that case, you will earn cashback at all the shops or service points that are part of the retail chain.
There is no such limitation. The cashback offer applies to all purchases you make in your chosen shop.
If you select the shoe store category, your cashback will only apply at separate shoe shops. If you buy shoes from Kaubamaja's shoe department, then you don’t earn cashback on it. The place of purchase must have defined itself as the place of purchase that corresponds to your cashback choice.
No, travel insurance is valid for you and your family members travelling with you at all times worldwide.
Access to lounge areas is free to holders of the Platinum Metal card. Platinum cardholders must pay 25 euros per person to gain access. You do not have to visit the lounge alone, you can bring friends or family members for an extra charge (25 euros per person).
Purchase insurance is valid for durable goods purchased with the card (items with a service life of more than 3 years) for 180 days after the purchase. The insurance indemnifies the replacement or repair cost of the item if the item is stolen, damaged, destroyed, or lost.
Purchase insurance is valid for purchases made with the card and a card statement is sufficient to prove the purchase.
Travel insurance is offered by our good partner If Kindlustus. In case of insurance claim or for additional information, contact their representative via telephone +372 777 1211.
We offer you a maximum credit limit that depends on your income and liabilities, but you decide how much of the limit will you use.
Standard card's interest rate starts from 18% and Platinum's from 12%. To receive a personal offer, submit an in-app application.
With Standard card, the minimum repayment is 3% of the used credit limit. Of course, you can also repay the entire limit used or an amount of your choice.
You can withdraw cash from all ATMs that serve Mastercards. You can find the cash withdrawal service fee in the price list.
You can repay the used limit from your home bank's account. Payment details can be found in the IN Pay app when initiating a payment.
When ordering a card, you can start using a virtual card immediately. You can find the card data required for making transactions in the app.
We will issue the primary card free of charge. When ordering a replacement card, a fee according to the price list price list is applied to cover the costs related to the production of the card.
If you forget your PIN, you can always look it up in the app.
The main reason for temporary closure is to ensure the security of your account if fraud is suspected. We will definitely let you know if this happens.
We will close the account if you have failed to pay your obligations despite repeated notifications and you have incurred a debt.
You can see and change your card's usage limits in the app.
You can activate the card in the app or by making a purchase using your PIN code.
You can change the PIN code at any ATM. Follow the instructions on the ATM to change the PIN.
With the Platinum Card, each lounge visit costs 25 euros.
Anyone who wants to get additional benefits and earns a regular income can apply for a Platinum or Platinum Metal card.
If you use a credit limit issued by IN Pay, it is interest-free for up to 35 or 45 days, if you pay back the limit used on the payment date, the use of money is free of charge. This will increase the amount of free money you have available. Which one is more useful for you depends on what you are using the money for.
If your account statement contains transactions that you have not made, block the card immediately or call our customer support at +372 640 8082. If the transaction with the card has not been made by you, you have the right to dispute it. You can find the application for contesting card transactions on our website. Please fill in the application and forward it to our customer support at email@example.com.
If you have a situation using a card where:
We recommend that you first contact the merchant and try to resolve the disagreement. If this fails, it is possible to dispute the card transaction within 3 months after the transaction.
When making a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card number is not stored on your device or Apple's servers and is not shared with merchants. Because Apple Pay does not store transaction information that could be associated with you, all purchases are private. If you lose your phone or other Apple device, you don't have to close the card because the card information isn't stored on your phone. You can read about security and privacy here.
To see latest transactions with a specific card, open your Wallet and click on the card. The transactions with this card will be displayed on screen
To pause or stop payments with Apple Pay by using your device, open your Apple ID account page or use the Find My iPhone app on your iPhone or iPad. This will suspend or remove your cards from Apple Pay even if your device is currently offline and not connected to a cellular or Wi-Fi network. For more information, visit here.
You can continue using the physical card even if you have stopped using the card in Wallet.
When using Apple Pay, no service fees are added, the standard card payment service fees apply according to the price list.
Contactless payment means paying with a card by simply holding the card above the payment terminal. Contactless transaction technology, which is widely used in the world, is used for contactless payments. You can start using the contactless payment option if you have made one transaction in the payment terminal after activating the card, which was confirmed using your PIN code.
The IN Pay card has a contactless payment option. If you wish, you can turn it on or off in the app.
You can start using the contactless payment option if you have made one transaction at a payment terminal after activating the card, which you confirm by using your PIN code. If you wish, you can turn the contactless payment on or off in the app.
In each country where contactless payments are allowed, there is a national limit on transactions, which varies from country to country. You can find the limits for foreign contactless payments here. If the purchase amount exceeds the transaction limit, you must enter your PIN code. Depending on the payment terminal, it may also be necessary to insert the card into the terminal.