FAQs.

Any company registered in the EEA can purchase Perx® Reward (Perx) cards. 

We offer Physical and Digital Cards. The Digital Card can be added to your Google Pay or Apple Pay mobile wallets for online or in-store purchases. 

All orders require a spreadsheet upload with cardholder details. For security reasons, Perx is no longer able to offer anonymous cards. A template download is available during the order process. Additionally, for physical cards, at least one of the three following fields must be provided to allow the recipient to unlock their card. This value along with the recipient’s last name will be used to verify and unlock the physical card. 

- Email 

- Code 

- Phone number 

Step by step instructions for placing an order can be found here. 

No more than two cards per person in an order and the email must be unique per recipient (no duplicate emails). Separate orders may be necessary to support multiple cards per recipient. 

The shipping address defaults to your business address for bulk order delivery of the physical cards. Please contact Perx Sales Support to place an order to ship directly to recipients. 

Orders can be delivered via courier to one address or individually to home addresses via An Post.

All payments must be made by Electronic Fund Transfer (EFT.) 

You will need to download the Get My ecard app on the Play Store or the Apple Store and login with the email address provided at registration to activate your card.  Once activated, and 3D secure is set up, you can spend immediately.

You can activate your card by creating or logging into your account at perx.getmybalance.com and entering the requested information to verify that you are the intended recipient. The provider of the card would have registered a unique piece of information for you at the time of order – email, phone, or employee ID/code. You can view our Activation Guide below or here or follow our tutorial video here. 

Please ensure you have received your activation code from your employer before you activate your card.

Card activation instructions.

1. Create an Account: (If you already have an account, skip to step 2)

Go to https://perx.getmybalance.com/Account/Login  and click Create Account

Fill in the details, agree terms and conditions, complete CAPTCHA, and submit

Check your inbox for the verification email and click link in the email

2. Log In and activate card:

Log in with your account details 

Create 4-digit security code

Click My Cards

Activate your card using the code provided by your employer

3. Enable 3D Secure for online purchases:

Go to My Cards, select View from the Actions menu, click 3DS Enrolment and fill in details

Click Enable

3D Secure is an additional step you can enable to happen every time a card transaction is made online that enhances security measures for cardholders. When you turn on 3D Secure, you’ll be asked to validate every transaction with your PIN code. This 2-step authentication for every purchase means that no payments will go through without the cardholder authorising them.

It’s simple to set up 3D Secure.

Create or login to your account at perx.getmybalance.com,

Select ‘My Cards’ and ‘View’

Within the Card Details page, select ‘3DS Enrolment’, enter your mobile number, surname, secure code and ‘Enrol’. 

You will need to download the Get My ecard app on the Play Store or the Apple Store and login with the email address provided at registration to activate your card.  Once activated, and 3D secure is set up, you can spend immediately.

Perx can be used online or instore at millions of locations, anywhere Mastercard is available.

Yes. Perx can be spent online. 

You can check your balance and transaction history on the Get My ecard app or by creating or logging into your account at perx.getmybalance.com. 

The Perx card must be processed as credit. A purchase with the card may be declined if the authorisation amount exceeds the available balance. If a transaction is declined, you can easily check the available balance at perx.getmybalance.com or by calling cardholder support at + 353 1 255 7111 (IRE) / +44 844 870 9812 (UK). If you are purchasing online, a website must take more than one form of payment if the amount exceeds the balance on the card. 

For transactions made over the phone or online, you will also need to ensure that you are entering in the billing address that matches your card registration. 

For online transactions, your card must be enrolled in 3D Secure. 3D Secure is an additional step you can enable to happen every time a card transaction is made online that enhances security measures for cardholders. When you turn on 3D Secure, you’ll be asked to validate each transaction with your PIN code.

Follow these steps to set up 3D secure:

Create or login to your account at perx.getmybalance.com,

Select ‘My Cards’ and ‘View’

Within the Card Details page, select ‘3DS Enrolment’, enter your mobile number, surname, secure code and ‘Enrol’. 

No. There is no PIN required to use the Perx Card other than the 3D Secure code for online purchases.

For lost or stolen cards, call cardholder support at + 353 1 255 7111 (IRE) / +44 844 870 9812 (UK). A €7.50 / £7.50 card replacement fee applies and will automatically be deducted from your available balance. 

There is no monthly fee for the first 12 months after card load. After 12 months, a €3.00/£2.00 monthly fee will be deducted from any unused card balance. Please refer to the Perx® Reward card Terms & Conditions for a full list of card fees. 

If your company gave you your card under the Small Benefit Scheme, it is not possible to close your account. Pls contact cardholder support on perxcardsupport@emlpayments.com for card closure queries for other products

One of the greatest advantages of the Perx card – and the main reason employees love to receive our card, is that it can be spent in millions of locations. For us to be able to achieve this level of acceptance, we have to be a regulated entity, and as part of these obligations we have to be able to verify who we provide these cards to.  

To maintain regulatory obligations, all corporate customers must provide us with the names of all cardholders as well as an additional piece of information that can be used to verify the cardholder.  

An additional benefit to being a regulated entity means that all our funds are safeguarded and protected: should something happen to us as a company, your cardholder funds remain safe and accessible by the cardholder at all times. While we understand this requires a level of effort on your side, we know this is outweighed by the benefits to the cardholder.  

Each cardholder must register their card before use. Our system will then verify the name they provide as well as the additional piece of information against what you have supplied, therefore meeting our obligation to verify that the correct cardholder is receiving the card.  

When onboarding a corporate customer, we need to know who we’re getting into business with. Therefore we do checks on the company itself, including but not limited to, the company name, registration number, directors, status of the company, industry, years in business, ownership structure etc. We’re proud of our product and the benefits it offers to companies however, we need to ensure it does not benefit illegitimate businesses i.e. facilitating drug trafficking, money laundering, tax evasion etc.

Perx is fully compliant with GDPR requirements. We supply a data processing agreement to you the client informing you of what we do with the personal data you provide to us. The agreement defines our role as a data controller in relation to the data you provide to us.

We also provide a privacy information notice to the cardholder at the point of card registration via the Perx portal. The privacy notice informs you and the cardholder, who is processing their personal data and why. It also informs the cardholder of how they may exercise their data subjects’ rights.  

If you have any concerns you may contact the DPO via eu-dpo@emlpayments.com  

We only collect information on the business and the card holder that we are legally obliged to. We do not hold this information for any longer than is necessary. For full details, please refer to our Perx Privacy Information Notice  

The cardholder information provides additional security for the card holder. 

By registering the card, cardholders will be set up for secure online payments and will be able to manage their cards through our cardholder portal. Most importantly, it means that should something happen to the card before it reaches the cardholder, it cannot be spent.  

To achieve this, and to safeguard your employees’ experience we will need your help: to facilitate these changes we will need to have both the cardholder’s name and a unique identifier such as email address so that we can verify the card is safely in the right hands.  

The Small Benefit Exemption allows employers to give non-cash rewards, such as gift cards, to employees without incurring tax liabilities. These rewards are free from income tax, PRSI, and USC, making it a cost-effective way to enhance employee benefits. Whilst no taxes are applied, the rewards must still be reported to Revenue through the Enhanced Revenue Reporting (ERR) system, introduced in January 2024.

Increase in value: The maximum exemption rises from €1,000 to €1,500 per employee annually.

More flexibility: Employers can now issue up to five gift cards per year per employee (currently two), giving businesses greater options to reward employees throughout the year.

Employers can give employees up to two small benefits, tax free, each year. The combined value of the two benefits cannot exceed €1,000. If more than two benefits are given in a year, only the first two may qualify for tax free status. Unused allowance amounts cannot be carried over.

Tax-free vouchers or benefits can be used only to purchase goods or services. They cannot be redeemed for cash.