Moldcell

RULES FOR USING MIA INSTANT PAYMENTS SYSTEM 

(Effective as of 23rd of December 2025)

1. GENERAL

Provider details:

Provider name: «MOLDCELL» S.A.

IDNO: 1002600046027

Legal address: 3 Belgrad Str., Chisinau Mun., Republic of Moldova, MD-2060.

E-mail address: moldcell@moldcell.md

Website: www.moldcell.md

Addresses of Provider offices: https://www.moldcell.md/rom/moldcell_offices/29

Body responsible for the supervision of electronic money institution: National Bank of Moldova (NBM), website: www.bnm.md

License of electronic money institution: Series MMI No. 000477 of 21.03.2023

Registration number in the State Register of Electronic Money Institutions: No. 7 of 17.03.2022

Present Rules for using MIA Instant Payments System (hereinafter referred to as the “Rules”) contain a description of the process for offering by the Provider to individual clients the opportunity to use MIA Instant Payments System developed by the National Bank of Moldova.

2. TERMS AND DEFINITIONS

The terms used in present Rules have the following meanings or the meanings specified in relevant regulations:

  • Alias – a unique identifier that allows the user of payment services to present it instead of the detailed identification data required to complete a payment order.
    For the purpose of these Rules, the Beneficiary’s mobile phone number enrolled in the instant payment system is used as an Alias. A phone number can be associated with only one account in the NBM database for the Instant Payment System “MIA”.
  • Moldcell money Application – a mobile application that provides Users with access to the MIA Instant Payment System and enables the transmission and/or confirmation of payment order execution instructions to the Provider via a mobile device.
  • Beneficiary/Receiver – an individual, resident of the Republic of Moldova, with full legal capacity, who is the recipient of funds subject to a payment transaction through the “MIA” Instant Payment System.
  • Default account — a payment account held within the Moldcell money system, designated by the Beneficiary to receive funds via the “MIA” Instant Payment System. All instant transfers (P2P) through the “MIA” Instant Payment System to the Beneficiary’s Alias will be credited to their default account.
  • Payer– an individual, resident of the Republic of Moldova, with full legal capacity, who initiates payment orders for instant credit transfers.
  • User – general concept, depending on the circumstances, the Beneficiary and/or the Payer; 
  • MIA Instant Payments System – a real-time peer-to-peer money transfer method that allows one of peers to send/receive money from/to payment account of another peer directly through the Moldcell money Application, indicating only the other peer’s phone number.
  • Instant Payment Service (P2P) – an interbank money transfer service provided within the framework of the MIA Instant Payments System by indicating the Receiver's Alias (phone number) registered in MIA Instant Payments System.
  • Payment Request (RTP) – a service that allows the User to request the initiation of a payment order in Moldovan lei (MDL) through the Moldcell money Application from another person registered in MIA Instant Payments System.
  • QR Payment – is a service within the MIA Instant Payments system that allows users to transfer or receive money by generating and scanning a QR code in the moldcell money app.

The definitions and provisions of these rules are supplemented by the terms and conditions of the Framework Agreement concluded between “MOLDCELL” S.A. and the user of the payment services, in accordance with the legislation on payment services and electronic money.

3. GENERAL PROVISIONS

3.1.    MIA Instant Payments System is an instant payment system in Moldovan lei that enables fast transfers directly from the Moldcell money application by simply entering the Beneficiary’s mobile phone number. A phone number can be associated with only one account in the NBM database for the “MIA” Instant Payment System.

3.2.    Instant payments will be carried out and processed only in MDL.

3.3.    MIA Instant Payments System is available to Users who have a mobile phone number (Alias) in accordance with the National Telephone Numbering Plan of the Republic of Moldova in the format +373 XXXXXXXX.

3.4.    Activation of services provided in MIA Instant Payments System is carried out through the Moldcell money Application, with the acceptance of the Rules for using the MIA Instant Payments System.
 
3.5.    Activation of services is available to Users who:
-    have an account/electronic wallet for making payments through the Moldcell money Application.
-    successfully completed the procedure for partial or full identification of the client (User), developed by the Provider;
-    have a valid mobile phone number from which the payment account was opened.

3.6.    Deactivation of the services in MIA Instant Payments System is carried out through the Moldcell money Application.

3.7.    If the account established for MIA Instant Payments System is closed, the services provided within its framework will be automatically disabled.

3.8.    If Alias is changed, the User must re-confirm his/her default account in MIA Instant Payments System.

3.9.    Each Beneficiary may set only one default account in the Moldcell money system.
Amounts related to “MIA” payment operations will be credited only to the account set as default.

3.10.  The use of MIA Instant Payments System is subject to Users’ acceptance of these Rules.

4. RULES OF USE

4.1    Activation of the “MIA” Instant Payment System functionality involves:

  • Associating the mobile phone number used to open the payment account for which “MIA” was activated, as an Alias. A mobile phone number can be associated with only one account;
  • If the “MIA” Instant Payment System is later activated for the same mobile phone number with another participating payment service provider, that account will become the default account for the “MIA” Instant Payment System.Immediately after activating the services in MIA Instant Payments System, the Provider will send to NBM necessary information for the provision of services: the User’s phone number, the IBAN of the account that is linked to the User’s phone number, IDNP, as well as the User’s first and last name registered in the Moldcell money Application.

4.2    Immediately after activating the “MIA” Instant Payment System, we will transmit to NBM the necessary information to provide this service: the phone number, the IBAN of the account you associated with the phone number, the IDNP, as well as the first and last name under which you are registered in Moldcell money.

4.3     At any time after activation, if a client of a payment service provider initiates a payment through the “MIA” Instant Payment System to your phone number, the payment service provider of the payment initiator will query the phone number and your other associated information (account IBAN, name and surname, IDNP) in the NBM database, and NBM will provide this information regardless of whether the initiated transaction is successfully completed or not.

4.4     If the User does not consent to the processing of data constituting bank secrecy, which, depending on the circumstances, is also personal data, he does not have the right to activate services in MIA Instant Payments System. 

5. DESCRIPTION OF MIA INSTANT PAYMENTS SYSTEM 

5.1. Instant Payment Service (P2P):

5.1.1. Upon making a payment initiated by specifying the mobile phone number (Alias) of the Recipient, the Provider checks whether this mobile phone number is registered in the MIA Instant Payments System. If this phone number is identified, the Payer will be able to request a money transfer. 

5.1.2.    Once a payment has been made it cannot be cancelled.

5.2.  Request transfer (RTP): 

5.2.1.    Request transfer (RTP) are initiated through the Moldcell money Application to the mobile phone number (Alias), the User of which is registered in MIA Instant Payments System and has activated this service. Payment requests can be accepted or rejected by the Receiver.

5.2.2.    The receiver of the payment request (RTP) will be notified via SMS/push notification;

5.2.3.    Request transfer (RTP) can be canceled by the sender if it is not accepted by the Receiver.

5.2.4.    Request transfer (RTP) are stored in MIA Instant Payments System for 24 hours, afterwards they are automatically canceled if not accepted by the Receiver.

5.2.5.    Accepting a Request transfer (RTP) is equivalent to ordering a transfer through the MIA System.

5.2.6.    Amounts of money received through the MIA Instant Payments System will be transferred to the account associated with the corresponding Reciiver’s Alias.

5.3. Transfer Me2Me via MIA Instant Payments

5.3.1. The Me2Me transfer allows you to transfer payments to your own accounts held with other payment service providers whose Alias is activated and transmitted to the NBM’s CAS.

5.3.2. To perform a Me2Me transfer, you need to take the following steps:

a) From the “Transfer” menu, access “MIA Instant Payments”;

b) On the newly opened screen, select “Me2Me Transfer” and fill in the payment fields;

c) Select the payment service provider to which you want the transfer made from the list of providers where you have the MIA Instant Payments service active;

d) Enter the desired amount to be transferred;

e) Enter a message or payment purpose (optional).

5.3.3. After filling in all the fields, verify that all the entered data is correct in the next window;

5.3.4. After successfully validating the data, confirm the execution of the transfer.

5.3.5. The status and details of the payment can be checked in the “History” menu.

5.4. Pay via QR through MIA Instant Payments

5.4.1. The option to make payments via QR allows scanning the QR code generated by the payment beneficiary directly from the application and making the payment.

5.4.2. To make a payment via QR, you need to follow these steps:

a) From the “Transfer” menu, access “MIA Instant Payments”;
b) On the newly opened screen, select “Pay via QR” and scan the QR code;
c) Enter the amount to be paid. You can specify the amount you wish to transfer if it has not already been indicated by the beneficiary, or accept the amount already indicated by the beneficiary;
d) Enter a message or payment purpose (optional).

5.5. Generate QR code

5.5.1. QR code generation represents a payment request in the form of a QR code or a link. To accept the instant payment request, the Payer scans the QR code in Moldcell money or with their phone by accessing the code represented by a link.

5.5.2. To use this service, you need to access “open my QR” from the main menu and choose the type of QR code to be generated.

Доступны два типа QR-кодов: статический и с деталями.

5.5.3. The app offers two options to generate a QR code: static or with details;

a) Static QR – contains fixed information and does not change after it is generated. The validity period of the static QR code generated for MIA Instant Payments is 90 days in case of inactivity.
b) QR with details — allows entering the amount intended to be received and optionally adding comments.This type of QR is active for 60 minutes and can be used for only one payment.

5.5.4. If a static QR code does not receive any transfers within 90 days, it will become inactive, and further transfers to that QR code will no longer be possible.
To continue receiving transfers via MIA Instant Payments using QR, you need to generate a new static QR code directly from the Moldcell Money app as follows:

  • from the main page (Home Page) of the app, access the bottom bar and tap “My QR.”
  • select the “Share” option to generate and share your QR code.

5.6. Instant Payment Return (MIA)

5.6.1. This functionality allows the beneficiary of an instant payment received in the moldcell money application to return the full amount to the sender directly from the mobile application. The return can be performed within 13 months from the moment the funds were received.

5.6.2. The returned amount cannot be less than the original amount. The fee paid by the sender for the initial transaction is non-refundable, and the beneficiary does not pay any fee for the return operation; this operation is not included in the monthly commission limit of 10,000 MDL.

5.6.3. If the sender’s account or IBAN code is no longer active, the amount is transferred to an intermediate moldcell money account.

6. LIMITATIONS

6.1 For Instant Payment Service (P2P):

a) The maximum amount transferred within the framework of Instant Payment Service (P2P) is 5000 (five thousand) MDL;

b) The minimum amount is 5 (five) MDL;

Type of Limitation Partially identified user Completely identified user
Minimum amount of transaction 10 10
Maximum amount of transaction 5 000 5 000
Daily transaction limit 10 000 10 000
Monthly transaction limit 30 000 30 000

6.2 For Payment Requests (RTP):

a) Maximum amount of Payment Request (RTP) is 5000 (five thousand) MDL;

b) Maximum number of payment requests (RTP) per one User – 10 requests daily; 

6.3 The maximum daily limit for payments made through the Instant Payments System MIA is 10,000 (ten thousand) MDL;

7. COMMISSION FEE

Fees for P2P payments processed in the Instant Payment system

For transactions in favor of third parties, depending on the monthly volume of transactions:

№ Fees applicable Commission value
1 up to 10,000 MDL monthly*, including
cumulative monthly*		 0
2 more than 10,000 MDL monthly (applicable only for the volume of transactions exceeding this amount) up to 0.5% of the transaction amount, but no more than 5 MDL per transaction 
3 Fee charged to the recipient of MIA Instant Payment payments (per transfer) 0 MDL

*Monthly – the time interval of a calendar month, starting from the 1st of the month

8. RESPONSIBILITY OF THE PROVIDER

8.1. The Provider is not responsible if Users incorrectly indicate any data related to making payments through the MIA Instant Payments System;

9. CLAIM SUBMISSION PROCEDURE

9.1 The Provider receives, registers and considers claims associated with services provided within the MIA Instant Payments System through the Customer Support Service by phone number: 444 or by email moldcell@moldcell.md, or in writing sent to the head office of the Provider. 

10. PERSONAL DATA PROCESSING

10.1 The User's personal data is processed in accordance with the Privacy and Personal Data Protection Policy adopted by “MOLDCELL” S.A. and published on the website www.moldcell.md. 

10.2  The Provider informs the User that the purposes of processing personal data, including data used for identification, are as follows:

  • a) For the provision of Services through the “MIA” Instant Payments System;
  • b) For sending commercial communications (direct marketing) and for conducting market research, either directly or through specialized companies;
  • c) For the creation of databases and their use in connection with the provision of services covered by these Rules; 
  • d) For transmission to legally established public authorities or private entities for the purpose of identifying, assessing, and preventing fraud risk, and for the prevention and combating of money laundering and terrorist financing.

10.3. The Provider may transfer personal data to entities located in countries that ensure an adequate level of personal data protection, in compliance with the applicable legal provisions.
10.4. To enable the use of the "MIA" Instant Payment System, the Provider transmits the User’s personal data (name, surname, IDNP, IBAN, phone number) to the National Bank of Moldova for inclusion in the CAS (Central Addressing Scheme) database, in accordance with NBM Regulation No. 179/2019.
The CAS search service allows the association and retrieval of unique identification codes of payment service users, as well as other identifying data required for initiating and executing a payment document through the SAPI system, using an alias.
10.5. The Provider informs the User that they hold the rights provided by the applicable personal data protection legislation, namely the right to information, the right of access, the right to intervene in the data, and the right to object, which may be exercised by submitting a written request to the Provider.