Payforit is a technical payment scheme developed by the UK mobile network operators ("networks"), to make buying digital products and services via a mobile phone or other device simple and clear for you and enabling you to charge these purchases to your mobile monthly account or prepaid credit.
The scheme is operated by parties (called Payment Intermediaries) that contract to your network to provide the relevant information to you so that you can make your own decision about the purchase. Payforit is not a legal entity and is not a party to any transaction for products or services.
When you make the decision to purchase and indicate your decision by pressing a button or an appropriately worded icon, you agree a contract with the party selling the product or service ("the seller") that you will pay the price detailed by charging the purchase to your monthly account or prepaid account provided by your network. (If you are not the bill payer you must secure their permission prior to the purchase.) Your contract is with the party selling the product or service ("the seller") not with your MNO.
Your MNO has agreed with the seller simply to charge the amount directly to your bill or prepay account. Once this charge has been authorised by you, the seller must provide the product or service detailed and you must pay your network (for monthly accounts) the amount charged. You are therefore wholly responsible for checking that you are happy with the price, the product or service and the seller before making a purchase commitment.
You have 14 days from the date of the purchase to change your mind, cancel the purchase and receive a refund. You will need to contact the merchant on the contact number given in the receipt that you will receive after the purchase is made. The merchant may have asked you to agree to an immediate delivery of the service or content and in doing so, you will have waived your right to cancel. If your purchase is a subscription service with a recurring charge, then you have the right to cancel the service and all future charges by following the instructions given in the text message sent to you after your purchase. Other rights that you may have (statutory or otherwise) including rights related to faulty or incorrectly described goods are between you and the merchant and any enquiries or disputes must be addressed directly with them using the phone number provided in the receipt message.
Your network has added value in terms of access, search, the Payforit scheme and the charging mechanism and you can escalate any dispute between you and the seller to your network for them to take a decision as long as you have discussed the dispute with the seller and can provide evidence of that discussion to your network.
The operation of this payment facility is regulated under the PhonepayPlus Code of Practice and is bound by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations.
This payment facility is operated under contract to your network by Fonix and their contact details are 02081147001.