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.

You can view our full Activation Guide here.

Physical cards will be automatically enrolled in 3DS

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For digital cards:

Sign up or login to the Get My eCard app

Click on the 'Complete 3DS Enrollment' banner on your card

Enter you mobile number

Click 'Enroll'

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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.

You can activate your card by creating or logging into your account at perx.getmybalance.com .

You can view our full Activation Guide here.

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Once activated, your Perx card can be used at locations displaying the Mastercard Acceptance trademark, subject to the following conditions:
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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.
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Digital cards:

Can be used for contactless payments at merchants that accept contactless payments.

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Within the Get My eCard app, click on the card image, this will pull up the full details of the card.

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

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’."

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The way you access your balance and transaction history depends on the type of card you have:

Digital cardholders:
You can view your balance and transaction history using the Get My eCard app.

Physical cardholders:
You can access your balance and transaction history by creating or logging into your account at perx.getmybalance.com

If you need details of transactions older than 90 days, please contact Cardholder Support at:
📞 + 353 1 255 7111
✉️ perxcardsupport@emlpayments.com

Yes. Perx can be spent online.

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.

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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.

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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.

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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. 

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.

If your company is VAT‐exempt in Ireland and you’d like us to issue a 0% VAT invoice for your order, please contact our Sales team with a copy of your 56B VAT Exemption Certificate.
Once we validate the certificate, we will issue the appropriate 0% VAT invoice.

Yes - Perx is VAT-registered. VAT will therefore be applied to all corporate service fees (including Admin, Card Fee, Load Fee).