Help Centre

For the moment, only users enrolled in the Fourdotzero-direct wallet service may use Fourdotzero. Users may hold either a personal account or a retailer account. All enrolled participants hold a personal account unless Fourdotzero has agreed a participant holds a retailer account.

The difference between a personal account and a retailer account is the fee (if any) that is charged on the account.

With Fourdotzero you may:

1. Send a payment from your account to any other active Fourdotzero account by
   1. typing in the destination Fourdotzero id, or
   2. selecting a Fourdotzero id from your contacts list, or
   3. capturing a static or dynamic QR code created by a Fourdotzero wallet holder, or
   4. responding to a request from a Fourdotzero wallet holder.
2. Create a request to be paid by another Fourdotzero wallet holder by
   1. typing in their Fourdotzero id, or
   2. selecting a Fourdotzero id from your contacts list, or
   3. capturing a show-to-pay QR code, or
   4. creating a payment link and sending it to a Fourdotzero wallet holder, or
   5. creating a dynamic or static QR code for the payer to capture.
3. Request a refund of a payment you have made using Fourdotzero, direct to the recipient (the recipient has the option to decline the request)
4. Provide feedback on a scale of 1 – 5 on a Fourdotzero wallet holder for the goods or services they have provided you, paid for through Fourdotzero.
5. You also have the option to report a user if you have a bad experience with the goods or services you have bought from them using Fourdotzero.

You may deposit funds direct from your bank account to Fourdotzero which operates the Fourdotzero network. The bank account details are shown when the deposit button is tapped. The funds will be credited to your Fourdotzero wallet shortly after.

You may withdraw funds at any time using the Withdraw button to provide us with your bank account details and request funds to be withdrawn. We will credit your bank account shortly after we receive your instructions.

The minimum amount you may send in any single payment is £0.01 and the maximum is £25.

To make a payment the minimum balance remaining after the payment is £2 (this will be returned to you if you close your account).

The maximum balance allowed on your account is £140.

The maximum cumulative total of payments sent and received (excluding deposits and withdrawals) allowed on your account is £135 over the previous month on a daily rolling basis.

You will be unable to send or receive a payment if it causes the maximum balance or maximum monthly payment total to be exceeded.

You may fund your account with any amount up to the maximum balance. The maximum of any single withdrawal amount is £40.

The Fourdotzero app (the App) is only available on Apple devices. Other mobile platforms are unsupported currently.

You can install the App onto as many devices as you wish. For security and notification purposes, we collect the unique identifier of the device(s) onto which you install the App.