MiFinity vs ParagonOS™

MiFinity is a secure digital wallet for online payments, money transfers and multi-currency money management. Trusted by more than 1 million customers, MiFinity lets you pay online, add funds, send money and manage multiple currencies from one easy-to-use app. PAY ONLINE WITH MIFINITY • Use your MiFinity eWallet to pay at participating online merchants. Choose from more than 75+ payment methods, depending on your location, account status and availability. ADD FUNDS YOUR WAY • Top up using available cards, bank transfers, local payment methods or a MiFinity eVoucher. The funding options shown in your account depend on your country, verification status and eligibility. SEND MONEY AND WITHDRAW FUNDS • Make money transfers to other MiFinity users using their registered email address or account number. You can also withdraw funds to supported bank accounts where available. Fees, limits, currencies and processing times vary. MANAGE UP TO 9 WALLETS IN 18 CURRENCIES • Keep your balances organised across up to nine eWallets. Move money between your own wallets and convert supported currencies. Terms and conditions apply subject to your acceptance. EARN REWARDS WITH MIREWARDS • Earn MiPoints through qualifying wallet activity and redeem them for available cash credit rewards. Progress through MiRewards tiers to access additional benefits. Eligibility, availability and programme terms apply. VIRTUAL IBAN FOR ELIGIBLE CUSTOMERS • Verified customers in the UK and EEA may be able to request a GBP or EUR Virtual IBAN, subject to eligibility and availability. Use it to add funds by supported bank transfer with no MiFinity deposit fee. Your bank or any another provider may apply additional charges. SECURITY AND ACCOUNT CONTROL • Biometric sign-in on supported devices • Two-factor authentication • PCI DSS Service Level 1 compliance • Strong Customer Authentication • Transaction history and account notifications GLOBAL ACCESS, LOCAL CHOICE • MiFinity is available in more than 223 countries and territories and supports 21 languages. Services, features, payment methods and currencies vary from country by country and are subject to eligibility, verification, limits, T&Csand applicable fees. Download MiFinity to manage online payments, money transfers, eVouchers and multiple currencies from one secure eWallet. Fees and limits: https://www.mifinity.com/fees/ Learn more: https://www.mifinity.com/ COMPLIANCE AND MONITORING • Transactions are monitored for compliance with applicable laws and regulations. • We may request additional information and/or supporting documentation to process or complete a payment. • Providing false or misleading information may result in account termination and closure. REGULATORY INFORMATION MiFinity UK Limited, trading as MiFinity, is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 [Register Ref. 900090] to issue electronic money. Registered in Northern Ireland. Suite B 6th Floor, City Exchange, 11-13 Gloucester St, Belfast BT1 4LS, United Kingdom. Registration number NI611169. Mifinity Malta Limited is a limited liability company incorporated and registered under the Laws of Malta with company registration number C 64824. Moreover, Mifinity Malta Limited is authorised by the Malta Financial Services Authority (MFSA), bearing Authorised Person ID: MFT, to carry out payment services and e-money services and is a local Financial Institutions licensed to provide Payment Services under the 2nd Schedule and issue electronic money under the 3rd Schedule to the Financial Institutions Act (Electronic Money Institutions) exercising the freedom to provide services outside Malta.

ParagonOS™ – Your smart wallet for bottle returns, receipts, and loyalty cards. Organize your expenses, track warranties, and never lose a bottle deposit receipt again! ParagonOS is your personal, secure iPhone wallet designed to keep your reverse vending machine receipts, shopping receipts, and loyalty cards in one convenient place. KEY FEATURES: * Smart Bottle Deposit Tracking: Scan your reverse vending machine receipt and let the app automatically extract the store network, amount, date, and barcode (you can always edit the details before saving). ParagonOS will send you a reminder before your deposit voucher expires. At the checkout, simply show the barcode or photo on your screen.
 * Receipt Scanner & Organizer: Snap a photo of your shopping receipt. ParagonOS instantly recognizes the store, amount, and date. The app neatly organizes your purchases and automatically tracks warranty periods and return windows.
 * Loyalty Cards & Apple Wallet Integration: Declutter your physical wallet. Add your loyalty cards to the app and scan them at checkout, or add them directly to your Apple Wallet. Cards imported from ParagonOS are smartly grouped together in Apple Wallet for easy access.
 * Deposit Machine Map: Easily locate nearby reverse vending machines and stores that accept bottle returns. Your location data is used strictly for this feature and never leaves your device.
 * Family Sharing via iCloud: Share specific receipts, deposit vouchers, or loyalty cards with your family members. You can share each category separately, safely synced through Apple's iCloud.
 * Privacy First: No registrations, no custom accounts, no logins or passwords on our end. All your data is kept securely on your device and within your private iCloud account.
 Disclaimer: ParagonOS is not affiliated with any retail chain. It acts as your personal digital document wallet. We cannot guarantee that every store's POS scanner will read barcodes directly from a smartphone screen. Download ParagonOS today and keep everything at your fingertips – eco-friendly, secure, and paperless!