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词条 Paysafecard
释义

  1. Name: paysafecard and Paysafe

  2. Geographical extension

  3. Acceptance

  4. History

      Early years    Acquisitions  

  5. Functionality

      Basic function    Business model and fees    Issuing    Distribution    Other services  

  6. Limitations

  7. Security issues

  8. Awards

  9. External links

  10. References

{{Lowercase title}}{{Infobox company
| name = paysafecard Wertkarten GmbH
| logo = Paysafecard logo.svg
| type = Private limited company
| traded_as =
| industry = Online payments
| foundation = 2000
| location = Vienna, Austria
| key_people = CEO Udo Müller
| products = Electronic money
| revenue = €191.6 million (2016)[1]
| operating_income=
| net_income =
| num_employees = 245 (2016)[1]
| parent = Paysafe Group
| subsid =
| homepage = {{url|https://www.paysafecard.com/}}
}}

paysafecard is a prepaid online payment method based on vouchers with a 16-digit PIN code, independent of bank account, credit card, or other personal information. Customers can purchase vouchers at local sales outlets and pay online by entering the code at the checkout of the respective website (e. g. an online game). paysafecard codes are not designated to be passed by mail or telephone.

paysafecard is issued and distributed country-wise; cross-border and cross-currency usage is possible within some limits. The scope of services and partner webshops varies by country. In most countries, a personal account called my paysafecard for uploading PINs is available. Starting in Austria in 2000, as of 2018 paysafecard is available in over 40 countries. Two former competitors, Dutch Wallie and British Ukash, have been absorbed into paysafecard.

In 2013, paysafecard was acquired by British digital wallet provider Skrill, and in 2015 as part of the Skrill Group by the Optimal Payments Group, an global online payment processing provider regulated in the United Kingdom. Optimal Payments subsequently rebranded as Paysafe Group.[2][3]

Name: paysafecard and Paysafe

While the brand name of the payment method has always been paysafecard, in practice it is often shortened to "Paysafe",[4][5]

the "card" part also being translated into other languages.[6][7][8]

In 2015, paysafecard became a part of the multinational Optimal Payments online payment corporation, which subsequently rebranded as Paysafe Group. The group now directly offers certain products and services under the Paysafe brand. paysafecard, however, continues to be a subsidiary brand of the Paysafe Group in its own right, alongside some others, like the digital wallets Skrill and Neteller.[9]

Some sources erreneously interpret Paysafe to be the name of the company originally issuing the paysafecard product, and sometimes suggest this to be the core company of the Paysafe Group.[10][11]

Geographical extension

As of 2018 paysafecard is issued in over 40 countries—covering most of Europe and North America, Australia and New Zealand, and some countries in Western Asia and South America.[12]

Countries with paysafecard available include Argentina, Australia, Austria, Belgium, Brazil,[13] Bulgaria, Canada, Croatia, Cyprus, the Czech Republic, Denmark, Finland, France, Georgia, Germany, Greece, Hungary, Ireland, Italy, Kuwait, Latvia, Lithuania, Luxembourg, Malta, Mexico, Montenegro,[14] Netherlands, New Zealand, Norway, Peru, Poland, Portugal, Romania, Saudi-Arabia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, the United Arab Emirates,[15][16] the United Kingdom, the United States and Uruguay.[17]

Acceptance

Web offers payable with paysafecard include online games, social media, telecommunication,[7] music,[18] and others. The scope of websites accepting paysafecard varies per country for several reasons. The most widespread use are online games; for example, League of Legends accepts paysafecard in 41 countries as of 2018.[17] Examples of other partners accepting paysafecard in 20 or more countries include

PlayStation 4,[19]Steam,[20]Guild Wars,[21]Second Life,[22]Skype,[23]Facebook[24]

and Newegg.[25]

History

Early years

The company behind paysafecard is based in Vienna, Austria, and was founded in 2000 as paysafecard.com Wertkarten AG ("paysafecard.com prepaid card Inc."), later transferred into a GmbH, a private limited company.[26] Technical partner providing expertise and the original hardware was IBM Austria.[27] The following year, paysafecard launched also in Germany.[28]

In 2005, paysafecard received an EU funding under the eTEN program supporting electronic services with a trans-European dimension.[29] Subsequently, paysafecard launched in Slovenia, Greece, Slovakia, Spain and the United Kingdom.[30]

In 2008, British subsidiary Prepaid Services Company Ltd. received an EU-wide e-money licence by the British Financial Services Authority (FSA), later the Financial Conduct Authority (FCA) under the Financial Services and Markets Act 2000,[31][32] expanding a small e-money issuers certificate valid for the United Kingdom in 2006.[30]

This authorised the company to issue e-money throughout the European Union.[33]

Also in 2008, paysafecard Switzerland obtained a license as a financial intermediary.[34]

Acquisitions

In August 2011, paysafecard absorbed Dutch competitor Wallie.[35] In February 2013, Skrill, one of the largest payment services providers in Europe completed the acquisition of paysafecard.com Wertkarten AG.[36] In November 2014, Skrill acquired British paysafecard competitor Ukash and merged it into paysafecard.[37][38] In August 2015, Skrill group competitor Optimal Payments group completed the acquisition of Skrill group, including paysafecard, and subsequently rebranded as Paysafe Group.[38]

Functionality

Basic function

Core of paysafecard is a 16-digit PIN, sold (most usually) on a printout, a pre-printed prepaid card, or as a digital information online. In the respective countries, paysafecard is available in demoninations ranging from 10 to 100 euros, United States dollars, pounds sterling, and Australian dollars, and approximately equivalent sums in other currencies, e. g. 100-1000 Norwegian kroner.[39]

When paying in an online shop, the user enters the 16 digit PIN, and the amount tendered is deducted from the paysafecard balance. Hence, the same PIN code can be used multiple times. For larger sums it is possible to combine up to ten paysafecard PINs.[40]

The current balance of each paysafecard as well as its transaction history and production date can be viewed at the official site by entering the respective 16 PIN code.

Business model and fees

The paysafecard company earns varying proportions of merchants' transaction volumes, shared with the distribution partners.[41] They do not charge any fees to the customer for purchasing and using paysafecard, as well as checking the balance of a PIN or its payment history online. Nonetheless, in the following situations fees are to be paid:[42][43]

  • Twelve months after purchasing a paysafecard customers will be charged an administrative fee of €3 (or like sums) on remaining balance per month, which will be automatically deducted from their credit.
  • A reimbursement of credit remaining on a paysafecard PIN requires the customer to provide their personal details, a copy of a valid form of photographic identification, bank account details and the details of the paysafecard PIN in question. Usually a reimbursement fee will be deducted from the remaining paysafecard credit, in Germany amounting to €7.50.
  • For payments in a different currency than associated with the PIN obtained, paysafecard will charge a fee of usually 2%.[44]

Issuing

In contrast to in-house vouchers and prepaid products, paysafecard is sold and accepted at distinct companies ("Third Party Billing"). For this reason, dealing with them is a banking transaction and requires either a banking partner or a banking licence. In the beginning, paysafecard was issued by the BAWAG P.S.K. in Austria and the Commerzbank in Germany.[45]

Since 2008, paysafecard's subsidiary company Prepaid Services Company Limited holds a licence of the Financial Conduct Authority (resp. its predecessor Financial Services Authority) "to issue electronic money (e-money) and provide payment services", valid for all countries in the European Economic Area.[31] Therefore in those countries, paysafecard is issued by Prepaid Services without external banking partner. Further, Swiss paysafecard subsidiary paysafecard.com Schweiz GmbH is a licensed financial intermediary in Switzerland[46] and issuer of the product also in other countries, e.g. in Australia.[47]

In the United States, payment regulations require an external banking partner issuing paysafecard, a role assumed by The Bancorp Bank.[48][49]

Distribution

In the beginning, paysafecard was sold as pre-printed scratchcard.[50] Starting in 2002, paysafecards are usually sold as printouts called "eVouchers" by the company, uniquely numbered receipts from in-store sales terminals. paysafecard is distributed country-wise by varying external partners, which is why also shop types offering paysafecard vary by country. Typical examples include newsagents, petrol stations,[41][51] post offices,[52][51] pharmacies,[51] supermarkets,[51] electrical retailers and vending machines.[53] The world-wide number of points of sales sums up to 600,000.[54]

Other services

Aside normal paysafecard, the company offers several other services, most notably in most countries an online account called my paysafecard to upload PINs and to do repeated payments more comfortably.[55] At the payment checkout of a webshop, customers may choose between entering a PIN and signing in to their my paysafecard account.[56] The account also includes a loyalty program called my PLUS - doing payments will earn you points that can be exchanged for different benefits.[57]

In several countries, paysafecard also issues a prepaid paysafecard Mastercard.[58]

Limitations

paysafecard has limitations manifesting especially when used for online gambling. Payments (thus also deposits in gambling accounts) with paysafecard are inherently limited to the amount of €1000;[40] for classic paysafecard (not my paysafecard) this amount has been lowered to €250 in 2016 due to compliance regulations.[59] Many other online payment methods allow a multiple of those amounts. Also, in contrast to other payment methods, accountless paysafecard does not enable a customer to withdraw money.[60][61][16] However, a withdrawal to my paysafecard is possible and supported by several online casinos.[62][63]

Unlike credit cards, paysafecard does not give the opportunity to overdraw your fundings, which may be appreciated as a means of spending control.[64][65]

Security issues

paysafecard is a payment method that enables the customer to stay anonymous not only to the merchants, but also with respect to the payment provider.[66] The amount of money exposed to loss by accident or fraud is limited to the denomination of the voucher purchased; no bank account or credit card data are put at risk.[67]

Nonetheless, there are varying instances of abuse:

  • Like all systems that only require entering data on a website, paysafecard may fall victim to phishing techniques. By mimicking the official website or a merchant's checkout page, fraudsters may trick users into entering their PINs and use the credit for themselves.[68] A special instance are so-called "paysafecard hacks", allegedly doubling the value of your paysafecard.[69]
  • In common low-tech versions of this phishing, fraudsters offer goods, services, or cash prizes demanding a commitment fee,[69] and ask for paysafecard PINs by mail or phone (or scans of the card) for payment. No goods or services are ever delivered in such cases.[70]
  • In the early 2010s, paysafecard was criticized as being abused by criminals for anonymous payments — by means of uploading prepaid credit cards, including stolen ones.[4] German computer magazine Computer Bild propagated a quick legal regulation.[71] Indeed a new money-laundering law was passed in Germany, effective at the start of 2012. It obliged customers of anonymous prepaid methods (like paysafecard) to undergo an identification procedure when surpassing a monthly spending amount of 100 €.[72]
  • Mainly from 2012 to 2014 cases were reported of fraudsters calling at gas stations, trying to obtain paysafecard PINs from the salespersons by pretending to be paysafecard personnel. Two cases in Vorarlberg, Austria, summed up to over 6000 €.[5][6]
  • Starting in 2012, paysafecard and other prepaid payment methods (like then-competitor Ukash and Bitcoin) have been abused by ransomware, claiming to originate from the German Federal Criminal Police Office. The ransomware locks customers' computers and may threaten to erase their hard drives, unless a fine is paid. However, computers are not unlocked even when the fine is paid by the customer.[73] paysafecard suggests to remove related viruses and trojans by following instructions provided by Botcrawl.com and other websites.[74][69]
  • Some scam websites claim to offer free paysafecard PINs under labels such as "promo PSC", luring internet users into subscription traps and click fraud, and not providing any service in return.[75] Worse versions of this type of scam offer a free "Paysafe generator" and install a ransomware virus.[76]

paysafecard sets clear that PINs are only to be entered at authorised online shops, and never to be passed in any other way. The payment method is never used for governmental fines or reminder fees.[77]

Awards

From 2009 onwards, paysafecard has won several Paybefore Awards (since 2016 Pay Awards), issued by the US Paybefore media group, a daughter of Informa,[78] with a focus on prepaid electronic payment solutions.

The first of those awards was 2009 Best Non-U.S. Prepaid Program.[79] Other examples include 2012 Most Innovative Prepaid Solution Europe[80] and 2016 Best Online or Mobile Commerce Solution.[81]

In the annual contest Austria’s Leading Companies, awarding top businesses in all states of Austria and the entire republic, paysafecard has won 1st places in Vienna in 2015[82][83] and 2017,[84] respectively ranking 3rd and 2nd in Austria overall.[85]

In the 2018 Austrian Great Place to Work contest, paysafecard won 1st place in the category New Working World and Quality of Living, as well as 10th place among all medium-sized companies.[86]

External links

  • [https://www.paysafecard.com Official website]
  • Description at worldpay.com

References

1. ^1 {{cite web |url=https://diepresse.com/unternehmen/alc/5315617/Alle-Rankings-von-Austrias-Leading-Companies |title=Alle Rankings von Austria's Leading Companies |author= |date=22 November 2017 |publisher=Die Presse |access-date=22 December 2017 |language=German |trans-title=All Rankings of Austria's Leading Companies}}
2. ^{{cite web |url=https://cardnotpresent.com/optimal-payments-rebrands-as-paysafe-nov-12-2015/ |title=Optimal Payments Rebrands as Paysafe |last=Leibovitch |first=Daniel |date=12 November 2015 |website=cardnotpresent.com |access-date=26 January 2018}}
3. ^{{cite web |url=https://www.ewallet-optimizer.com/paysafecard-details-and-information/ |title=Paysafecard – Details & Information |author= |website=ewallet-optimizer.com |access-date=11 February 2018}}
4. ^1 {{cite web |url=https://www.handelsblatt.com/technik/it-internet/hacker-foren-missbrauch-von-paysafe/6799580-3.html |title=Im Untergrund-Netz der Cyber-Kriminellen - Missbrauch von Paysafe |last=Dörner |first=Stephan |date=27 June 2012 |website= |publisher=Handelsblatt |access-date=20 December 2017 |language=German |trans-title=In the Underground Network of Cyber Criminals: Abuse of Paysafe}}
5. ^1 {{cite web |url=http://www.computerbetrug.de/2013/01/ukash-und-paysafe-betruger-nehmen-tankstellen-ins-visier-7229 |title=Ukash und Paysafe: Betrüger nehmen Tankstellen ins Visier |author= |date=2 January 2012 |website=computerbetrug.de |access-date=29 December 2017 |language=German |trans-title=Ukash und Paysafe: Fraudsters target gas stations}}
6. ^1 {{cite web |url=http://vorarlberg.orf.at/news/stories/2581219/ |title=AK warnt vor Betrug mit Paysafe-Karten |author= |date=23 April 2013 |website=orf.at |publisher=ORF (broadcaster) |access-date=21 December 2017 |quote= |language=German |trans-title=Austrian Chamber of Labour Warns of Fraud with Paysafe-Cards}}
7. ^1 {{cite web |url=https://www.vectonemobile.at/hilfe/guthaben-aufladen-mit-paysafecard |title=Guthaben aufladen mit paysafecard |author= |website=vectonemobile.at |access-date=23 December 2017 |quote=Paysafekarten |language=German |trans-title=Recharge your balance with paysafecard }}
8. ^{{cite web |url=http://www.casino.gr/deposit-options/paysafe-cards |title=Κάρτες Paysafe |last=Ioannides |first=Lydia |date=24 September 2010 |website=casino.gr |access-date=23 December 2017 |language=Greek |trans-title=Paysafe cards }}
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10. ^{{cite web |url=https://www.brokervergleich.net/ripple-kaufen-mit-paysafe |title=Ripple kaufen mit Paysafe |last= |author= |website=brokervergleich.net |access-date=22 December 2017|quote= |language=German |trans-title=Buy Ripple With Paysafe}}
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13. ^{{cite web |url=https://primeiropay.com/solutions/paysafecard/ |title=Prepaid for everyone - PrimeiroPay brought paysafecard to Brazil! |author= |date=2017 |website=primeiropay.com |access-date=21 March 2019}}
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19. ^{{cite web |url=https://www.playstation.com/en-gb/get-help/help-library/store---transactions/payments---refunds/how-to-use-playstation-4-to-top-up-your-wallet-with-paysafecard/ |title=PS4: Top up wallet with Paysafecard |author= |date=25 August 2017 |website=playstation.com |access-date=22 June 2018}}
20. ^{{cite web |url=https://store.steampowered.com/news/4203/ |title=Use Paysafecard on Steam and Receive a Free Copy of Portal |author= |date=19 August 2010 |website=steampowered.com |access-date=22 June 2018}}
21. ^{{cite web |url=https://www.guildwars2.com/en/news/paysafecard-now-accepted-in-gem-store/ |title=paysafecard Now Accepted in Gem Store |author=The Guild Wars 2 Team |date=27 February 2013 |website=guildwars2.com |access-date=22 June 2018}}
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33. ^{{cite web |title=paysafecard erhält EU-Lizenz zur Ausgabe von elektronischem Geld |author= |publisher=Der Standard|url=http://derstandard.at/3361758/paysafecard-erhaelt-EU-Lizenz-zur-Ausgabe-von-elektronischem-Geld |accessdate=22 December 2015 |date=12 June 2008}}
34. ^{{cite web|title=paysafecard expandiert in die Schweiz|publisher=pctipp.ch|url=http://www.pctipp.ch/news/firmen/artikel/paysafecard-expandiert-in-die-schweiz-42406/|accessdate=22 December 2015 |first=Bruno|last=Habegger|date=21 February 2008|language=German}}
35. ^{{cite web |url=https://www.about-payments.com/newsroom/news/1284/paysafecard-acquires-online-payment-provider-wallie |title=paysafecard acquires online payment provider Wallie |author= |date=7 September 2011 |website=about-payments.com |access-date=25 June 2018}}
36. ^{{cite web |url=http://www.retail-systems.com/rs/Skrill_paysafecard.php |title=Skrill acquires paysafecard.com |last=Moss |first=Karen |date=11 February 2013 |website=retail-systems.com |access-date=25 June 2018 }}
37. ^{{cite web |url=https://www.techworld.com/news/apps-wearables/skrill-extends-payments-portfolio-with-ukash-acquisition-3589087/ |title=Skrill extends payments portfolio with Ukash acquisition |last=Finnegan |first=Matthew |date=28 November 2014 |website=techworld.com |access-date=25 June 2018}}
38. ^1 {{cite web |url=http://www.onlinepaymentsreview.com/news/18-skrill-acquires-ukash-optimal-payments-acquires-skrill |title=Skrill acquires Ukash, Optimal Payments acquires Skrill |author= |date=14 July 2015 |website=onlinepaymentsreview.com |access-date=25 June 2018}}
39. ^{{cite web |url=https://www.casino.org/no/utbetaling/paysafecard/ |title=Casinoer som tilbyr Paysafecard |author= |website=casino.org |access-date=April 23, 2018 |language=Norwegian |trans-title=Casinos where paysafecard is available}}
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45. ^[https://books.google.at/books?id=XpneBwAAQBAJ&pg=PA355&lpg=PA355#v=onepage&q&f=false Challenges of Expanding Internet: E-Commerce, E-Business, and E-Government. 2005, Poznan, Poland, p. 355]
46. ^{{cite web |url=https://www.finma.ch/de/~/media/finma/dokumente/bewilligungstraeger/pdf/dufi.pdf?la=de |title=Liste der bewilligten Finanzintermediäre nach Art. 2 Abs. 3 GwG (DUFI) |author= |website=finma.de |publisher=Swiss Financial Market Supervisory Authority |format=PDF |access-date=16 March 2018 |quote= |language=DE |trans-title=List of licensed financial intermediaries in accord with Article 2 paragraph 3 Money Laundering Act }}
47. ^{{cite web |url=https://afterpaytouch.com/images/uploads/reports/Paysafe-Card-Terms-and-Conditions.pdf |title=General Terms and Conditions for Use of paysafecards in Australia |author= |date=2013 |website=afterpaytouch.com |publisher=paysafecard |access-date=16 March 2018 |format=PDF}}
48. ^{{cite web |url=https://www.americanbanker.com/news/austrian-companys-prepaid-alternative-comes-to-the-us-market |title=Austrian Company's Prepaid Alternative Comes to the U.S. Market |last=Hernandez |first=Will |date=19 October 2010 |website=americanbanker.com |publisher=American Banker |access-date=11 March 2018}}
49. ^{{cite web |url=http://www.cbaaonline.com/credit-cards/paysafecard/ |title=PAYSAFECARD |author= |website=cbaaonline.com |access-date=11 March 2018 }}
50. ^{{cite web |url=http://www.tebiko.de/text.php?tid=171 |title=Verwirrende Vielfalt |author= |date=14 June 2001 |website=tebiko.de |access-date=15 May 2018 |quote=Besitzer der Paysafecard rubbeln auf der Rückseite einen 16-stelligen Zahlencode frei. ("Owners of a Paysafecard reveal the 16-digit number code on the back side by scratching.") |language=German |trans-title=Confusing variety [of online payment methods] }}
51. ^1 2 3 {{cite web |url=https://www.betrug.org/ripple-kaufen-mit-paysafecard/ |title=Ripple kaufen mit Paysafecard 2018: So erwerben Sie XRP |author= |website=betrug.org |access-date=22 May 2018 |quote= |language=German |trans-title=Buy Ripple with Paysafecard in 2018: So you can buy XRP }}
52. ^{{cite web |url=https://www.postfinance.ch/de/privat/produkte/digital-banking/digitales-guthaben/paysafecard.html |title=Guthaben für paysafecard: Einfach einkaufen ohne Kreditkarten |author= |website=postfinance.ch |publisher=PostFinance |access-date=22 May 2018 |language=German |trans-title=Balance for paysafecard: Simple shopping without a credit card}}
53. ^{{cite web |url=https://www.sbb.ch/de/bahnhof-services/dienstleistungen/weitere-dienstleistungen/paysafecard.html |title=Mit der paysafecard sicher im Internet einkaufen. |author= |publisher=Swiss Federal Railways |access-date=2 June 2018 |quote=An allen SBB Billettautomaten rund um die Uhr [at all ticket vending machines 24/7] |language=German |trans-title=Safe online buying with paysafecard }}
54. ^{{cite web |url=http://www.sandlerresearch.org/alternative-payment-solution-paysafecard.html |title=Alternative Payment Solution: paysafecard |author= |website=sandlerresearch.org |access-date=22 June 2018 }}
55. ^{{cite web |url=https://www.ewallet-optimizer.com/paysafecard-details-and-information/ |title=Paysafecard Details and FAQ |author= |website=ewallet-optimizer.com |access-date=12 April 2018}}
56. ^{{cite web |url=https://www.securetrading.com//wp-content/uploads/2016/09/STPP-paysafecard.pdf |title=XML Specification Paysafecard |author= |date=15 January 2018 |website=securetrading.com |access-date=9 May 2018 |format=PDF |page=9 }}
57. ^{{cite web |url=https://www.casinoonline.co.nz/banking-options/paysafecard/ |title=All About Paysafecard |author= |date= |website=casinoonline.co.nz |access-date=21 June 2018}}
58. ^{{cite web |url=https://www.kreditkarten-prepaid.at/paysafe-mastercard-kreditkarte/ |title=PaySafe MasterCard Kreditkarte |author= |website=kreditkarten-prepaid.at |access-date=12 April 2018 |language=German |trans-title=PaySafe MasterCard credit card }}
59. ^{{cite web |url=https://www.paysafecard.com/en/business/news/detail/new-maximum-payment-amount-per-transaction-250-euros-my-paysafecard-is-not-affected-1/ |title=New maximum payment amount per transaction: 250 euros – my paysafecard is not affected |author= |date=9 May 2016 |website=paysafecard.com |access-date=22 June 2018}}
60. ^{{cite web |url=https://www.casinobonusesindex.com/banking/paysafecard.html |title=Paysafecard |author= |website=casinobonusesindex.com |publisher= |access-date=21 June 2018}}
61. ^{{cite web |url=https://www.vip-bet.com/events-reviews-betting-preview-odds/payment-options/betsson-payment-methods/ |title=Betsson Payment Methods |last=Seregin |first=Kirill |date=November 29, 2017 |website=vip-bet.com |access-date=April 23, 2018}}
62. ^{{cite web |url=https://www.casinotop10.net/paysafecard-online-casinos-review |title=paysafecard online casinos 2018 |author= |website=casinotop10.net |access-date=26 May 2018 }}
63. ^{{cite web |url=https://sirslot.com/withdrawing-casino-paysafecard/ |title=Withdrawing Casino funds to Paysafecard |author= |website=sirslot.com |access-date=25 May 2018 }}
64. ^{{cite web |url=http://www.rouletteonline.net/deposit-methods/paysafecard/ |title=Deposit Via paysafecard to Play Roulette |author= |website=rouletteonline.net |access-date=21 June 2018 }}
65. ^{{cite web |url=https://www.casino.org/payment/paysafecard/ |title=Top 5 Paysafecard Online Casinos of 2018 - Safe & Secure |author= |website=casino.org |access-date=21 June 2018 }}
66. ^{{cite web |url=http://wwwhome.cs.utwente.nl/~pras/publications/2005-I3E-2ndgeneration-payments.pdf |title=Second generation micropayment systems: lessons learned |first=Róbert |last=Párhonyi |first2=Lambert J.M. |last2=Nieuwenhuis |first3=Aiko |last3=Pras |date=2005 |publisher=Department of Computer Science, University of Twente |access-date=26 May 2018 |format=PDF |page=9}}
67. ^{{cite web |url=https://www.rechnungswesen-verstehen.de/finanzen/paysafecard.php |title=Wie funktioniert die Paysafecard ? Vorteile, Nachteile, Kosten |author= |website=rechnungswesen-verstehen.de |access-date=26 May 2018 |language=German |trans-title=How does paysafecard work? Advantages, disadvantages, costs}}
68. ^{{cite web |url=https://www.pc-magazin.de/news/telekom-phishing-rechnung-paysafecard-giropay-warnung-3195445.html |title=Telekom-Phishing: Sichere Zahlungsmöglichkeiten für angebliche Rückstände |last=Nguyen |first=The-Khoa |date= |website= |publisher=10 December 2015 |access-date=12 May 2018 |language=German |trans-title=Telekom-Phishing: Secure payment options for pretended arrears}}
69. ^1 2 {{cite web |url=https://blog.botfrei.de/2012/01/betrugsversuche-mit-der-paysafecard/ |title=Betrugsversuche mit der paysafecard |last= |first= |author= |date=18 January 2012 |website=botfrei.de |access-date=28 May 2018 |language=german |trans-title=Fraud attempts with paysafecard}}
70. ^{{cite web |url=http://www.computerbild.de/artikel/cb-News-Internet-Ebay-Kleinanzeigen-Betrug-Post-17961013.html |title=Ebay-Kleinanzeigen: Das sind die aktuellen Betrugsmaschen |last1=Matthiesen |first1=Nils |last2=Hensen |first2=Christian |date=22 November 2017 |website=computerbild.de |publisher=Computer Bild |access-date=6 July 2018 |language=German |trans-title=Ebay classified ads: Those are the current fraud scams}}
71. ^{{cite web |url=http://www.bild.de/digital/internet/zahlungsmittel-abzocke-betrug-kriminelle-14100144.bild.html |title=Paysafecard: Kriminelle nutzen Karte für Abzocke und Betrug |author= |date=28 September 2010 |website=bild.de |publisher=Computerbild |access-date=20 December 2017 |language=German |trans-title=Paysafecard: Criminals use card for rip-off and fraud}}
72. ^{{cite web |url=https://www.heise.de/ix/artikel/Waehrungsrisiken-1723975.html |title=Währungsrisiken |last=Haar |first=Tobias |date=November 2012 |website=heise.de |publisher=Heinz Heise |access-date=April 22, 2018 |language=German |trans-title=Currency risks}}
73. ^{{cite web |url=https://www.bundes-trojaner.de/ |title=Bundespolizei-, BKA-Trojaner entfernen |author= |date= |website=bundes-trojaner.de |publisher= |access-date=April 22, 2018 |language=German |trans-title=How to remove the 'Federal Criminal Police' trojan}}
74. ^{{cite web|url=https://www.paysafecard.com/en-us/security/|title=BKA/GEMA computer virus - demands the payment of a "fine" by paysafecard |accessdate=13 October 2014}}
75. ^{{cite web |url=https://www.mimikama.at/allgemein/achtung-vor-dieser-kostenlosen-paysafecard/ |title=Achtung vor dieser kostenlosen Paysafecard |author= |date=6 May 2016 |website= |publisher=mimikama.at |access-date=9 May 2018 |quote= |language=German |trans-title=Beware of this free paysafecard }}
76. ^{{cite web |url=https://sensorstechforum.com/remove-paysafe-generator-virus-restore-cry_-files/ |title=Remove Paysafe Generator Virus and Restore .cry_ Files |last=Bilbao |first=Berta |date=9 November 2016 |website=sensorstechforum.com |access-date=15 May 2018}}
77. ^{{cite web |url=https://www.paysafecard.com/en-gb/security/ |title=How to pay securely online with paysafecard |author= |website=paysafecard.com |access-date=28 May 2018}}
78. ^{{cite web |url=https://bankingtech-dev.knect365.com/tag/paybefore-awards/# |title=Paybefore Reveals 2017 Pay Awards Winners |author= |website=knect365.com |access-date=April 22, 2018}}
79. ^{{cite web|title=The Winner’s Circle: Paybefore Announces 2009 Award Winners (February 2009) |publisher=paybefore.com |url=http://paybefore.com/awards/the-winners-circle-paybefore-announces-2009-award-winners-february-2009/ |accessdate=1 February 2016 |date=12 February 2009}}
80. ^{{cite web|title=Paybefore Announces Best-in-Category Winners in London (March 2012) |publisher=paybefore.com |url=http://paybefore.com/awards/paybefore-announces-best-in-category-winners-in-london-march-2012/ |accessdate=17 February 2016 |date=20 March 2012 }}
81. ^{{cite web|title=2016 Pay Awards Winners: Support Your Favorites |publisher=paybefore.com |url=http://paybefore.com/top-stories/2016-pay-awards-winners-support-your-favorites/ |accessdate=26 August 2016 |date=19 January 2016}}
82. ^{{cite web|title=Die ALC-Bundesland-Sieger 1999–2015 |publisher=Wirtschaftsblatt|url=http://wirtschaftsblatt.at/home/events/alc/1595551/ |accessdate=26 August 2016 |archiveurl=https://web.archive.org/web/20140602030828/http://wirtschaftsblatt.at/home/events/alc/1595551/ |archivedate=2 June 2014 |language=German}}
83. ^{{cite web|title=ALC 2015: Paysafecard.com will weltweiter Marktführer werden |publisher=Wirtschaftsblatt |url=http://wirtschaftsblatt.at/home/events/alc/4872587/ALC-2015_Paysafecardcom-will-weltweiter-Marktfuhrer-werden?_vl_backlink=/home/events/alc/index.do |accessdate=17 February 2016 |archiveurl=https://web.archive.org/web/20160122094241/http://wirtschaftsblatt.at/home/events/alc/4872587/ALC-2015_Paysafecardcom-will-weltweiter-Marktfuhrer-werden?_vl_backlink=/home/events/alc/index.do |archivedate=22 January 2016 |date=24 November 2015 |language=German}}
84. ^{{cite web|title=ALC, Austria’s Leading Companies – "Die Presse"-SONDERBEILAGE |publisher=diepresse.com |url=https://7coinqmhbl3myqtc495xxs18-wpengine.netdna-ssl.com/wp-content/uploads/sites/3/2017/12/ALC-Sonderbeilage_17_11_gesamt_low.pdf |accessdate=20 December 2017 |date=17 November 2017 |language=German}}
85. ^{{cite web |url=https://diepresse.com/files/alc/2017/pdf/alc_international_gesamt.pdf |title=Gewinner international |author= |website=diepresse.com |publisher=Die Presse |access-date=April 22, 2018 |format=PDF |language=German |trans-title=Winners - category 'international'}}
86. ^{{cite web |url=https://www.greatplacetowork.at/workplace/item/692/paysafecard.com+Wertkarten+GmbH |title=paysafecard.com Wertkarten GmbH |author= |website=greatplacetowork.at |publisher= |access-date=21 June 2018 |language=German }}

6 : Digital currencies|Payment systems|Electronic funds transfer|Web applications|Financial services companies of Austria|Companies established in 2000
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