Find quick answers to the most common questions about PayZome's services, features, and policies.
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General Questions
PayZome is a modern digital bank that offers a full range of financial services including checking and savings accounts, transfers, cards, loans, and more. We combine the stability of traditional banking with innovative technology to provide a seamless, secure, and user-friendly banking experience.
Yes, PayZome is a licensed and regulated financial institution. We partner with FDIC-insured banks to ensure your deposits are insured up to $250,000. We are compliant with all applicable banking regulations and undergo regular audits.
You can reach our customer support team through multiple channels:
Phone: +1(310) 856-5219 (Mon-Fri: 9AM-5PM EST)
Email: info@payzome.com
Live Chat: Available in the mobile app and website
In-App: Secure messaging through your dashboard
Regular Support: Mon-Fri: 9AM-5PM EST
24/7 Emergency Support: For lost/stolen cards and fraud issues, we provide 24/7 emergency support. Call our emergency line for immediate assistance.
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Account Management
Opening an account is easy and takes less than 5 minutes:
Click the "Register" button on our homepage
Fill in your personal information (name, email, phone, DOB)
Choose your account type (Current, Savings, Business, etc.)
Verify your identity with a government-issued ID
Set up your security credentials
Fund your account (minimum deposit varies by account type)
Most accounts are approved within 24-48 hours after verification.
You'll need the following documents:
Valid government-issued ID: Passport, Driver's License, or National ID
Proof of address: Utility bill, bank statement, or lease agreement (less than 3 months old)
Social Security Number or Tax ID: For US customers
Employment information: For certain account types
Initial deposit: Amount varies by account type
You can update your personal information through:
Mobile App: Go to Profile → Edit Profile
Web Dashboard: Log in and navigate to Settings → Personal Information
Contact Support: For sensitive changes (name changes, etc.), you may need to provide documentation
Some changes may require reverification for security purposes.
To close your account:
Ensure your account balance is zero (transfer or withdraw all funds)
Cancel any recurring payments or direct debits
Go to Settings → Account → Close Account
Follow the verification steps
Confirm closure
Account closure is typically processed within 3-5 business days. A final statement will be sent to your email.
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Transfers & Payments
Critical Transfer Condition
If you initiate a transfer where the receiver is designated to pay any associated fees or charges:
The receiver MUST have sufficient available funds in their account BEFORE the transfer can be completed
We verify the receiver's balance prior to initiating the transfer
If the receiver has insufficient funds, the transfer will be rejected entirely
No partial transfers are processed under any circumstances
A processing fee of $2.50 may apply to rejected transfers
The sender will be notified of rejection within 2 business days
Multiple attempts with insufficient funds may result in account restrictions
Transfer times vary by type:
Internal transfers
Instant (within minutes)
Domestic transfers
1-2 business days
International transfers
3-5 business days
Wire transfers
Same-day (before 2 PM EST)
ACH transfers
2-3 business days
Note: Weekends and holidays may delay processing times.
Transfer limits depend on your account type and verification level:
Daily transfer limit
$10,000
Monthly transfer limit
$50,000
Single transaction limit
$50,000
International transfer limit
$25,000
Higher limits available with enhanced verification or business accounts.
Once initiated, transfers may only be cancelled if:
The transfer has not yet been processed by our systems
The recipient agrees to return the funds (for completed transfers)
We determine the transfer was fraudulent or erroneous
Required by applicable law or regulation
To request a cancellation, contact support immediately with your transaction details.
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Cards & Transactions
Immediate action required
Freeze your card instantly through the mobile app (Cards → Select Card → Freeze)
Call our emergency line: +1(310) 856-5219 (24/7)
Report the loss to block the card and prevent unauthorized use
Review recent transactions for any unauthorized charges
Request a replacement card (fees may apply for expedited shipping)
You are not liable for unauthorized transactions reported promptly.
You can activate your card through any of these methods:
Mobile App: Go to Cards → Select Card → "Activate Card"
Online Banking: Log in and follow the card activation prompts
ATM: Insert card and follow on-screen instructions with PIN
Phone: Call +1(310) 856-5219 and follow automated prompts
To dispute a transaction:
Log in to your account and go to Transactions
Find the transaction you want to dispute
Click "Report Issue" or "Dispute Transaction"
Select the reason for dispute
Provide any supporting documentation
Submit the dispute
Disputes must be filed within 60 days of the transaction. We'll investigate and respond within 10 business days.
If your card is declined, check these common reasons:
Insufficient funds: Check your available balance
Daily limit reached: You may have exceeded your daily transaction limit
Card not activated: Make sure you've activated your card
International transaction: Ensure international transactions are enabled
Security block: Unusual activity may trigger a temporary block
If the issue persists, contact support for assistance.
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Security & Privacy
To reset your password:
Click "Forgot Password" on the login page
Enter your registered email address
Check your email for a password reset link (valid for 30 minutes)
Create a new password (minimum 8 characters with letters and numbers)
Log in with your new password
If you don't receive the email, check your spam folder or contact support.
To enable 2FA for enhanced security:
Log in to your account and go to Settings → Security