Terms of Use

As of: 02.11.2026 · The German version is authoritative.

§ 1 Provider and scope

The provider of IPayForYou is MechtaNet UG (haftungsbeschränkt) (see legal notice). These terms apply to the use of the website and the apps.

§ 2 What we do – and what we don't

IPayForYou brings together people who cannot pay a bill (people seeking help) and people who would like to pay it (supporters). We check bills and payee accounts. We are not a payment service and not a bank: we do not accept any money for bills and do not forward any. We are not a charitable organisation and do not issue donation receipts.

§ 3 Account

Use is permitted from the age of 18. Each person may have only one account and must provide truthful information. Keep your password secret.

§ 4 People seeking help

Submitting a bill is free of charge. You assure us that the bill is genuine, concerns you personally and that all information is correct. There is no entitlement to a bill being approved or paid. Once a bill has been taken on, please do not pay it yourself; if you learn of a double payment, tell us immediately. If information is false, we will block the account and, where appropriate, file a criminal complaint.

§ 5 Credit packages

To pay for our checking and brokering, supporters buy credit packages (balance). Current prices are shown on the “Bill credits” page and include statutory VAT. On the website, the purchase contract is concluded when you click “Order with obligation to pay”; for bank transfers, we credit the balance after receipt of payment. In the apps you buy through the App Store or Google Play; the seller is then Apple or Google, and their terms also apply.

Depending on the bill amount, taking over a bill costs 1 to 3 credits from your balance (tiers see “Bill credits”). The balance does not expire, is not transferable and is not paid out – except in the case of a withdrawal. Gifted balance (e.g. starting balance) cannot be paid out.

§ 6 Pay the bill and transfer the money

After you take over a bill, you immediately see the verified payment details; our service for this credit is thereby performed. You transfer the bill amount directly to the payee within the deadline shown and upload proof. If this does not happen, we may end the takeover; the credit redeemed is then not refunded. If we withdraw a bill after you have taken it over, we credit the balance back to you.

The payment to the payee is a voluntary gift to the person seeking help. It will not be refunded. Large gifts may be relevant for gift tax purposes.

§ 6a Right of withdrawal

Consumers have a right of withdrawal when buying a package on our website, in accordance with the information on the right of withdrawal. For unused credits we refund the purchase price proportionately. Once all credits of a package have been redeemed, our service has been fully performed and the right of withdrawal has expired, provided you have expressly agreed to this beforehand. For purchases in the apps, the refund rules of Apple or Google apply. Information on the right of withdrawal

§ 7 Prohibited

The following are prohibited in particular: forged bills or bills belonging to others, accounts of private individuals as payees (except landlords with a verified rental agreement), money laundering, circumventing the review, harassing other users, and attempting to contact people seeking help or supporters outside the platform.

§ 8 Blocking and deletion

We may withdraw bills and block accounts if there is a justified suspicion of a violation. You can delete your account yourself at any time.

§ 9 Liability

We check with great care but cannot rule out deception entirely. We are liable without limitation for intent and gross negligence, for injury to life, body or health, and under the Product Liability Act. In cases of slight negligence we are liable only for breach of essential contractual obligations and limited to the foreseeable, typical damage. If a bill that has been released turns out to be false, we credit the redeemed balance back to you.

§ 10 Changes

We may change these terms with effect for the future. We will notify you of material changes by email at least 30 days in advance; you may then object or delete your account.

§ 11 Final provisions

German law applies. Mandatory consumer protection provisions of your country of residence remain unaffected. We are neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board.