FAQs
Everything you need to know about Perx. Whether you’re looking to order cards for your team or you’ve received a Perx card yourself,
you’ll find answers here on ordering, activating, spending and managing your card.
Ordering cards
We’re here to help. Please contact our Perx Sales Team on 01 255 7112 or email salesperxreward@emlpayments.com for assistance with placing your order, completing the required templates, payment queries or onboarding requirements.
Your order will be processed once any required account verification has been completed and your payment has been received.
Yes. You can request changes to or cancel your order before payment is sent by contacting our Sales Team on 01 255 7112 or by emailing salesperxreward@emlpayments.com. Once payment has been received and processed,we are unable to make any further changes or cancel the order.
Bulk orders must be uploaded using the relevant Perx order template. Templates are available for physical bulk orders, direct-to-recipient orders, and digital card orders.
We offer Physical and Digital Cards which can be added to your Google Pay or Apple Pay mobile wallets for online or in-store purchases.
Yes. You can order a single Perx Reward Card orplace a bulk card order through our online ordering platform.
You can place your Perx Reward Card orderonline at: https://perxreward.com/order-cards
Simply select your card type and follow theonline ordering steps. For bulk or direct-to-recipient orders, you will need toupload the relevant completed spreadsheet template.
Recipient details should contain a firstname and last name only, with no middle names, initials, titles or specialcharacters.
New customers will be required to completeKYB verification checks. Returning customers should provide their emailaddress/CRN and most recent invoice number.
Once verification is complete, an invoicewill be issued with the relevant payment details.
Orders can be delivered via courier to one address or individually to home addresses via An Post.
Physical cards can now be shipped directly to recipients' home addresses. To place an order for direct-to-cardholder delivery, please use the following link: https://perxphysicaleurodtc.cardfront.net/corporate/order.
You can send a maximum of two cards to a single recipient in one order. If you’d like to send more than two cards to the same person, you’ll need to place a separate order.
To place an order, you’ll need to provide the following information:
Cardholder details:
- First name and surname (maximum 29 characters, including spaces)
- Card value
At least one of the following to enable the recipient to unlock their card: - Email address
- Telephone number
- Unique code
Customer details:
Returning customers: Please provide your email address or Company Registration Number (CRN), along with your last invoice number.
New customers: We’re required to complete standard security checks for all business clients. This process, known as Know Your Business (KYB), which runs automatically in the background using the details you provide.
Occasionally, we may need additional information to complete these checks. If so, we’ll contact you directly and guide you through the next steps.
Registering and activating your card
The activation link in your digital card email is valid for 5 days only. Please activate your card within 5 days of receiving your email, by selecting Activate Your Perx Rewards Card and following the steps in our Digital card activation guide.
You can activate your card by creating or logging into your account at perx.getmybalance.com .
You can view our full Activation Guide here.
Using your Perx card
Once activated, your Perx card can be used at locations displaying the Mastercard Acceptance trademark, subject to the following conditions:
Physical cards:
Can be used in-store or online worldwide where Mastercard is accepted, provided the merchant supports swipe-and-sign transactions using the magstripe.
Please note that not all merchants can process magstripe transactions, so acceptance may vary.
Digital cards:
Can be used for contactless payments at merchants that accept contactless payments.
Due to data protection and compliance obligations, it’s not possible to permanently delete or fully close your card account immediately. However, if you would like to stop using your card, you can request for your account to be locked.
We encourage cardholders to spend down any remaining balance before requesting closure. Once your balance has been reduced to zero, we can lock your card so that no further transactions can be made.
In line with our obligations as an authorised Electronic Money Institution regulated by the Central Bank of Ireland, EML Money DAC is required to retain card-related data for a minimum of five years plus one year. This data will not be used for any other purpose and will be erased once the retention period has passed.
If you created an online account (e.g. via https://perx.getmybalance.com/), you may remove or update any personal details you added yourself. Please note that details collected when your card was issued (e.g. name, email, and card information) cannot be removed until regulatory retention requirements have expired.
If you request data erasure:
If you ask for your personal data to be deleted, we will review your request in line with Article 17 of the General Data Protection Regulation (GDPR).
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.
- Log in to your account and click the padlock icon next to your card status to lock it.
- Follow the on-screen prompts to confirm the reason for locking your card.
- Alternatively, call Cardholder Support on + 353 1 255 7111 (ROI) or +44 844 870 9812 (UK).
Please note: Once a replacement card is requested, a fee of €7.50 / £7.50 will be deducted from your available balance.
No.You do not need a PIN to use your Perx Card.
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.
Simply create an account or log in at perx.getmybalance.com toview your card balance and recent transaction history.
If you need information on transactions that are more than 90 days old, our Cardholder Support Team can assist you:
📞 +3531 255 7111
✉️ perxcardsupport@emlpayments.com
Yes. Perx can be spent online.
Delivery
Delivery times vary depending on the type of card and delivery option selected. Once payment has been received, the expected timescales are:
- Digital Cards: 1 working day
- Physical Cards delivered in bulk: 5–7 working days
- Physical Cards sent directly to recipients: 10–14 working days
We’ll send you a confirmation once your order has been dispatched. Where tracking is available, your tracking information will also be provided.
If there is an error in the email address provided and the recipient has not received their Digital Card, please contact us. We can update the email address and resend the card to the recipient. To avoid delays, please ensure all recipient details are correct before submitting your order.
Digital Cards are sent electronically directly to each recipient using the contact details provided with your order.
You can choose to have your Physical Cards delivered together to one address, or sent directly to each recipient’s home address.
Data protection and Compliance
Aspart of our ongoing compliance and regulatory requirements, we may occasionally ask existing customers to confirm or update their company information.
No .KYB checks are generally completed when you first become a customer. However, we may periodically need to review or update your company information to ensure our records remain up to date.
Yes,provided the recipient is located within the EEA. Perx Reward Cards can bepurchased for recipients based in Ireland and other EEA countries.
Yes.To purchase Perx Reward Cards, your company must be registered in Ireland oranother country within the EEA.
In order to provide cardholders with enhanced security for their card, we are required to obtain a minimal level of cardholder information to identify them on our platform. This inclues the cardholder's Name, Email and Employee Code.
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.
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 collect information on the business and the card holder that we are legally obliged to and where it is required to perform the service. We do not hold this information for any longer than is necessary. For full details, please refer to our Perx Privacy Information Notice.
We are required to obtain information on our customers and cardholders to comply with our legal obligations under Anti-Money Laundering Legislation.
For corporate customers, we obtain information in relation to the Company, the Directors or Controllers and the Beneficial Owners.
For cardholders, we obtain the cardholder's name, email address and employee information.
This information, along with infromation on how the Perx product has been used, is retained for the lenght of the business relationship and for a period of time after the relationship has ended, to comply with our legal obligations.
Each cardholder must register their card before it can be used. During registration, our system verifies the name provided, along with an additional piece of identifying information, against the details supplied by your program administrator.
This process ensures that the correct cardholder receives and activates the card, fulfilling our obligation to verify your identity in line with regulatory requirements.
For full details on how we handle and protect your personal information, please see our Data Protection Policy.
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.
Small Benefits Exemption Tax Incentive
Perx Gift Cards provide employers with aflexible way to recognise and reward employees. Benefits include:
- Rewarding employees tax-efficiently, where the Small Benefit Scheme requirements are met
- Potential savings on payroll-related costs for qualifying rewards
- Supporting employee recognition and engagement
- Providing employees with a flexible reward option that can be used in a wide range of places
Tax-free vouchers or benefits can be used only to purchase goods or services. They cannot be redeemed for cash.
Employers can give employees up to five small benefits, tax free, each year. The combined value of the five benefits cannot exceed €1,500. If more than five benefits are given in a year, only the first five may qualify for tax free status. Unused allowance amounts cannot be carried over.
Increase in value: 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 (previously two), giving businesses greater options to reward employees throughout the year.
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.
VAT Registration and Invoicing
If your company is VAT exempt in Ireland, please send a copy of your valid 56B VAT Exemption Certificate to salesperxreward@emlpayments.com. Once validated, we can issue the appropriate invoice with 0% VAT.
Yes. Our VAT Registration Number is 9569373T. Please note that VAT will be applied to corporate fees where applicable.
Payments are accepted by Electronic Funds Transfer (EFT) only. Credit card payments are not accepted