Plick is a service offered to banks and payment and electronic money institutions across Europe. If your bank is a member of the service, you will find Plick on your internet and/or mobile banking as a payment method and you can use it without any additional registration. Plick is versatile and can be used in payments between individuals and B2B. You will be able to use Plick any time you have to send money to someone or to irrevocably pay your suppliers, and you can even agree on a future payment date. Plick’s features make it appropriate even for large purchases and to reimburse your customers, who can deposit it in their account where and when they want, without going to the bank or registering with any service. Ask your bank whether you can use the service and keep in mind that you can always receive payments through Plick even if your institution is not yet a member.

If your bank is a member, you don’t need to install a new app or register to access the service. You will find Plick in the payment methods offered by your institution directly on your internet and/or mobile banking.

Sending money with Plick is fast and immediate. All you need is the e-mail address or telephone number of the person you want to pay. You don’t need to know the payee’s IBAN and you don’t have to install new apps or register. Access your internet and/or mobile banking and discover how easy it is to pay with Plick.

You can send a Plick by SMS, WhatsApp or e-mail to anyone with a bank account in Europe in the Single Euro Payments Area. You don’t have to worry about whether the payee has an Italian telephone number or whether his or her bank is a Plick member. The payee can always deposit the Plick without having to register or download a new app.

Of course. With Plick, you and the payee can agree on a future payment date, even a holiday. On the specified payment date, the payor and payee will receive notifications in real time as to the results of the transaction. For more details, consult your bank’s terms of service.

The PIN is an additional security measure provided by the payor, without which the payee cannot successfully complete the Plick acceptance step. If the member institution selected this option, customers can protect any Plick payment with a PIN, and the institution can set an amount that, if exceeded, a PIN will be required. If a PIN is assigned, it will be the payor’s responsibility to inform the payee of the PIN code. Did you forget the PIN? Don’t worry, you can always find it in the summary information in the specific section containing all the Plicks you’ve ordered.

No. All payments sent via Plick, even when a future deposit date has been agreed to, are irrevocable.

Absolutely not. You will be able to deposit your Plick without having to register with a service or installing new apps and regardless of whether your bank is a Plick member, by just clicking on the link you receive.

If you receive a Plick, click on the link. Once you’re on the platform, generate and enter the security code that will be sent to you the same way the payor sent you the Plick (SMS, WhatsApp or e-mail). At this point, once the data entered by the payor are verified, all you need to do is enter the IBAN code and state that the bank account is in your name to make the deposit. You can authorize Plick to automatically accept (within 6 hours of receiving the notification) all payments up to 200 €, which you will receive on the IBAN you entered. This IBAN will be memorized, but you will always have the possibility to modify it or deactivate automatic acceptance, if you wish. Remember, however, that Plicks, even if of small amount, won’t be accepted automatically if they are accompanied by a security code or if the payer’s bank has not subscribed to the service. If you receive a Plick protected by a PIN code, remember that, in addition to entering the IBAN code, you will also have to enter the code that the payor will have to send to you. To refuse the Plick, just click the appropriate button, without entering the IBAN code or ticking any declaration.

If your bank is a member, you will find Plick in the payment systems that the bank makes available to you on the internet and/or mobile banking. You don’t need apps to send money using Plick! Even if you receive a Plick, you don’t need an app to deposit it. Just follow the simple instructions to deposit your Plick. Anywhere, when you want to and in 3 simple steps.

Of course. Plick uses the banking system’s security safeguards from the standpoint of both technology and service.

No. For an ordinary Plick, the funds are verified and the block occurs in real time when the payee accepts the Plick, 24 hours a day, 7 days a week, even on weekends and holidays. For a Plick with an agreed-on future deposit date, the funds verification and block take place on the agreed deposit date if the payee already accepted the Plick, or in real time if the Plick is accepted after the agreed deposit date, again, 24 hours a day, 7 days a week, even on weekends and holidays. In all cases, payor and payee receive the results of the transaction in real time once the verification is made.

You have 30 days (this duration could be defined by the member bank) after the agreed deposit date to accept or refuse the Plick. During that period, the payee will receive messages reminding him/her how much time he/she still has to accept or refuse the payment. If the automatic acceptance function is active, the Plick will be accepted automatically within 6 hours of receiving the notification. In the case of a future date Plick, the control and blocking of the funds will take place on the agreed date.

If the e-mail address or telephone number the payor sent the Plick to is incorrect, contact customer assistance (active 24/7). If the Plick was sent to an e-mail address, check your SPAM folder. If the Plick never arrives even though the address was correct, or if the message was inadvertently deleted, the payor, in the specific section containing all his/her Plicks, can always re-send the link to the same telephone number/e-mail address.

The payor’s bank makes the payment to the beneficiary via a wire transfer (SCT [SEPA Credit Transfer] or SCT instant, depending on the tools the bank provides to its customers). Generally, the amount will be deposited into the payee’s account the business day after the order, which is given upon acceptance for an ordinary Plick or a future date Plick accepted after the agreed date. The order is given on the agreed date if the future date Plick was accepted before the date set by the payor.

The terms of service for payors are established and regulated by the member banks. Any costs to payees are set by the payee’s bank, which is not required to be a Plick member.

No, there are no limits on amount. However, the member bank may set a maximum amount that can be sent via Plick and this amount can vary from user to user. For additional details, consult your bank’s terms of service.