What is Fillit?

Fillit is a prepaid card service that allows users to transfer money from their accounts or other merchants such as e-shops and others on a plastic or virtual Fillit Prepaid Mastercard® and allows them to use this card as any other worldwide payment card. Fillit.eu and Fillit trademarks belong to Streamflow EOOD, a company based in Bulgaria, founded in 2014.

The Easier Way To Manage
Your Money with Fillit Every Day

Looking for a home for your money because you don’t have a bank account? Does your employer want to pay you via bank transfer? Would you like to keep some of your spending money separate from your current account and credit card?

Fillit Mastercard has the answer for you:
Fillit prepaid card for everyday money.

From everyday shopping and paying bills and monthly subscriptions, to topping-up a mobile phone or sending money overseas Fillit prepaid cards are the quick and easy solution, for everyone.
All you’ll need to do to get one is provide proof of your identity and your address when you order the Fillit Prepaid card.
What’s even better there is no credit checks, and no lengthy application process.
Fillit Prepaid Mastercard cards are accepted at over 36.9 million locations worldwide displaying the Mastercard Acceptance Mark. In addition, you can withdraw money from ATM at any time and safely in more than 2.1 million locations worldwide displaying the Mastercard Acceptance Mark.

What is Crypto?


Fillit Cardholder Fees

  • Card Fee (including: Mastercard Chip PIN lost/stolen at same cost, Card Carrier, Envelopes and Card personalisation fee) 20.00€
  • Virtual card creation (per card) 12.00€

Fillit Wallet Limits

  • Maximum balance *No minimum balance 150,000.00 €
  • Maximum Amount to be Loaded (24 hours) 15,000.00 €
  • Wallet to Wallet Transfer Max 3 transactions up to total 4,000.00 € daily

Fillit Cardholder Limits

  • Maximum balance *No minimum balance 20,000.00 €
  • Maximum Amount to be Loaded (24 hours) 5,000.00 €
  • Maximum Amount to be Loaded (1 month) 20,000.00 €
  • Maximum Amount to be Loaded (1 year) 150,000.00 €
  • Maximum ATM Withdrawals (per withdrawal) 510.00 €
  • Maximum ATM Withdrawals (24 hours) 1000.00 €
  • Maximum ATM Withdrawals (1 month) 30,000.00 €
  • Maximum ATM Withdrawals (1 year) 100,000.00 €
  • Maximum ATM Withdrawals (lifetime) 300,000.00 €
  • Maximum POS/Signature Purchases (24 hours) 10,000.00 €
  • Maximum POS/Signature Transactions (24 hours) 40
  • Maximum POS/Signature Purchases (1 month) 20,000.00 €
  • Card to Card Transfer Max 3 transactions up to total 1,500.00 € daily
  • Activation Fee FREE
  • Monthly Service charge 1.50€
  • ATM SEPA 2.99€
  • ATM International 2.40% + 1.80€
  • ATM Balance inquiry (PIN change at ATM /ATM Decline Fee) 0.50€
  • POS Domestic (and within SEPA Inc. MOTO/CNP) FREE
  • POS International (Inc. MOTO/CNP) 1% + 0.80€ per transaction
  • SMS Balance check, block/unblock, activate per SMS 0.30€
  • ATM Transaction Decline 0.50€
  • Mastercard MoneySend (Mastercard Payment Transactions / Gaming Credit) SEPA 1.00€
  • Mastercard MoneySend (Mastercard Payment Transactions / Gaming Credit) Outside - SEPA 1.00€ + 0.50%
  • POS Transaction Decline/return fee 0.50€
  • Wallet load via Prepaid card 3.50%
  • Wallet load via Debit/Credit card 3.50%
  • Wallet to Wallet transfer 1.00€
  • Wallet to Card transfer 0.20€
  • Card to Wallet transfer 0.20€
  • Card to Card transfer 1.00€
  • Bank transfer from wallet to UK bank account 3.00€
  • Bank transfer from wallet to bank within SEPA region 6.00€
  • Bank transfer from wallet to bank outside SEPA region 29.00€
  • SMS – PIN resend 1.50€
  • Online PIN reveal 1.50€ per reveal online
  • Inactivity Fee (90 days) 3.00€
  • Card cash out/Administration Fee 9.00€
  • KYC 2.00€
  • Chargeback handling – per chargeback 30.00€
  • Bank charge for all loading through IBAN 1.00€ per deposit
  • 3D Secure fee per transaction FREE

Acquiring Services

Acquiring Services for Businesses

Our acquiring solution is dedicated to every business. We conquered huge knowledge of the specific markets. In combination with best fees in the market, our solution is the best solution for every business and will acquire you the power to become part of the digital economy.


Cruise Industry

Acquiring Services for Cruise Industry.
Our acquiring solution is dedicated to Cruise Industry.
We conquered huge knowledge of the specific markets.

In combination with best fees in the market, our solution is the best solution for every cruise company and will Acquire you the power to become part of the digital economy.

Hotel Industry

Acquiring Services for Hotel Industry.
Our acquiring solution is also dedicated to Hotel Industry.
We understand the varied needs of your business and the payments industry.
We can provide you with the ability to accept electronic payments safely and securely, across the globe.


Payroll Management

Fast, Accurate & Affordable
Let Fillit be your partner in growing your business.

Pay employees easily

Just enter the hours and automatically get instant paychecks. You can print the checks yourself or use FREE direct deposit. It’s that easy!

Work with your accountant on taxes

Create reports for your accountant for tax filings. Basic includes tax calculations but doesn’t include tax forms – choose Enhanced Payroll for that.

Online Payroll - Pay Employees From a Mobile Phone. Learn more here
Payroll Services - Intuit Payroll. Learn more here
Quickbooks Payroll Software to take care of accounting and payroll needs for small business owners. Learn more here
Take care of payroll within Quickbooks. Intuit Payroll is directly connected to Quickbooks to make payroll as easy as can be! Learn more here

Basic Payroll features

  • Instant paychecks for W-2 employees
  • Automatic guaranteed tax calculations
  • No tax forms included – create reports for your accountant for tax filings
  • Run payroll from your iPad, iPhone or Android (online version only)
  • Versions to work with or without QuickBooks
  • Free direct deposit
  • Free live support from experts

Additional Services

  • Hassle-free workers’ compensation
  • Automatic labor law posters
  • Employee time tracking
  • Get our FREE hiring guide
Monthly Billing
20 €

per month

  • 20% OFF for 6 months
  • + 2 € / employee / worker per month
Annual Billing

per year

  • 18.75 € per month
  • + 2 € / employee / worker per month
Accept Payments

Point of Sale

Accept Chip & PIN Payments at your Point of Sale

Cashless point of sale payment with a prepaid card is easy and convenient for your customers. Leverage new sales potential and facilitate fast, easy and convenient transactions by implementing a POS solution from Ecomm Merchant Solutions.


Our POS Visa and Mastercard acceptance terminals are the easiest and quickest methods for processing card payments.


For cashless payment processing at every point of sale, both countertop and mobile, we offer a specialised range of cutting edge terminals from industry leader, PAX Technology.


Accept contactless payments – for small payments it's as simple as 'tap and go'. There is no need for your customer to put their card into the terminal or enter a PIN.

The S920 is the world’s sleekest compact mobile point of sale terminal, packed with the most complete range of payment industry certifications ever and is manufactured to the highest of global standards using state-of-the-art technology and high-end materials.

Featuring a large ultra-clear high-definition multimedia colour touch screen and a beautiful back-lit keypad, the pocket-sized S920 is the hospitality & restaurant industry’s preferred choice, where portability, usability and seamless customer interaction are key requirements. Merchants adore the S920’s elegant sleek chassis, the superior battery life and the faster transaction times powered by a high-tech processor, larger memory capacity, and embedded contactless and NFC technology.

Download PDF

  • 3G, 4G, GPRS, WiFi, Bluetooth
  • Contactless, Chip, Magstripe
  • Large Colour Touch Screen
  • Visa & Mastercard NFC
  • High Capacity Battery
  • High Speed Printer
  • PCI PTS 4.x, SRED
  • Linux OS
S920 Mobile Terminal

The beautifully designed D200 integrates with any mobile payment app running on iOS or Android smart device via Bluetooth, WiFi, GPRS or cable connection. The D200 offers the latest PCI PTS 3.x security, SRED and Visa payWave & Mastercard PayPass contactless certification. Apple Inc. has given the D200 a special certification called MFi meaning that Apple has tested and approved the D200 to meed the highest performance standards for integratio with any iPad or iPhone.

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  • Contactless, Chip, Magstripe
  • iOS & Android Compatible
  • VISA & Mastercard NFC
  • Bluetooth
  • WiFi Apple MFi approved
  • PCI PTS 3.x, SRED

PAX's S800 is the world's most innovative countertop payment terminal powered by a secure and flexible Linux operating platform. This supports rapid development of customized and secure software applications that give new meaning to the concept of payment and valueadded services.

The S800 comes in a compact and stylish form factor, equipped with large colour screen, wide choice of connectivity options and built-in NFC capability to enable mobile and contactless transactions. The S800 packs a 32-bit ARM11 processor and massive amounts of memory via Micro SD to deliver exceptional performance.

Download PDF

  • Sleek compact design
  • Built-in contactless / NFC
  • Fast thermal printer (25 lps)
  • Multiple peripheral ports
  • Advanced DDR technology
  • 400MHz 32-bit ARM11 processor
S800 Countertop

Alipay Merchant Solutions

Convenient Alipay payment offered by Fillit.

Alipay Image

Benefits of accepting Alipay for Merchants

  • 450 million Alipay users worldwide
  • Free marketing promotion from the build-in platform ‘discover’, which will guide users to your store, and will promote your store and discounts to the customers directly and effectively
  • Alipay will also offer extra coupons to attract the customers to shop in your store
  • Settlement to your bank account or our prepaid card
  • No set up fee, easy boarding process

Customer Scans Merchant mode

  • We will provide a simple barcode stand to each merchant. The merchant’s unique barcode is scanned by the customer and the amount is entered
  • Fillit Merchant Solutions settle directly with the Merchant
Alipay Image


Learn everything about Fillit Prepaid Card.

No. The Prepaid Card is not a credit card. Neither is linked to your bank account. Hence, no credit checks are required.
All fees can be viewed on our terms and conditions.
No, cardholders will not earn any interest on the balance of funds loaded onto their cards or incur any interest on their spending.
Cardholders can check their transactions and account balance 24/7 - 365 days of the year through our Internet account management system or via SMS.
Upon authorization of top-up transaction, funds will be available on the cardholder's card for use within a few minutes.
To begin using your Fillit Prepaid Mastercard you must follow these simple steps:

  1. Sign your name on the reverse of the card
  2. Activate your card by entering the website, going to the cards page, clicking on the activate button an entering the requested information
  3. Load your card and start purchases, payments or transfers. Once you have completed these steps your card is ready for use online, through our mobile application or over 37 million locations worldwide displaying the Mastercard Acceptance Mark.
Mastercard is the most accepted card in the World

You can use your prepaid card across 210 countries and territories displaying the Mastercard Acceptance Mark.

The Fillit Prepaid Mastercard can be used for many purposes such as:

  • Transferring wages to your card
  • To pay employees their wages onto the card
  • To manage payments for travel expenses, fuel expenses, subsistence, amongst others
  • To carry travel money on a card for safe and secure use abroad
  • To share money with friends and family through additional cards
  • To make or receive Insurance Claim payouts
  • To use safely and securely on Gaming sites and make and receive winnings payouts
  • Online Shopping 24/7, 365 days of the year

Essentially, you can use Fillit Prepaid Mastercard for your business or for yourself to make purchases online, over the phone and in-store at over 36.9 million locations worldwide, and withdrawals at over 2.1 million ATM locations worldwide where Mastercard is accepted.
Yes. Usually the secure Personal Identification Number (PIN) is delivered two to three days after you have received your card . The Prepaid Card can be used at ATM's and point-of-sale (POS) locations worldwide. It is delivered separately from the card for security reasons.
Mastercard is the most accepted card in the World. You can use your prepaid card across 210 countries and territories displaying the Mastercard Acceptance Mark. Cardholder's can use their cards to make purchases of products, goods and services at any location that accepts Mastercard. Fillit Prepaid Mastercard cards are accepted at over 36.9 million locations worldwide displaying the Mastercard Acceptance Mark. In addition, you can withdraw money from ATM at any time and safely in more than 2.1 million locations worldwide displaying the Mastercard Acceptance Mark.
Any Fillit Prepaid Mastercard Card is valid for 24 months. Upon expiration, cardholder's cards will no longer be available for any use. Clients can select to automatically send cardholders a replacement card with all available balance on their new card or the cardholder can request a payment of the remaining balance on the card and close the account.
You can load your Fillit Prepaid Mastercard using a number of different methods.

  1. Wire Transfer to Fillit prepaid Mastercard Personal IBAN
  2. Online – Register your prepaid card online with us to link the card to your Prepaid card. Once you have registered your debit/credit card you can then load funds directly to your prepaid card
You can register your debit/credit card to your prepaid card by logging onto our online banking platform here and following the instructions from there.
Yes, Fillit Prepaid Mastercard Card products can be topped up subject to the maximum balance available on the cardholder's card. Depending upon our client's requirements, cardholders can re-load (top up) their cards by SMS, telephone, online or at over 30,000 participating top-up locations.
Yes. Fillit provides each of its clients with access to real-time comprehensive information on their program. This information enables our clients to actively monitor the status of their card program and utilize the information to follow consumer trends for their own marketing and promotions campaigns.
Any form of payment can be accepted, including loading via:

  • Debit Card online
  • Via Bank Transfer or Standing Order
  • Via Wage Transfer
  • Via SMS Text Messages from your phone
When you purchase a Fillit prepaid card online your card can be loaded to a maximum of 2500€. If you wish to increase this limit you can do so by upgrading to Fillit prepaid card 'Plus'. Fillit prepaid card 'Plus' cardholders can load up to 20,000€ to their card.

Fillit prepaid card 'Plus' cardholders have access to load their card with a debit card. In order to upgrade your card to 'Plus' you must provide us with proof of your identity (passport or driver’s license) and a proof of address (utility bill or bank statement). You can easily upgrade to the Fillit prepaid card 'Plus' by logging into your online account, selecting the 'Upgrade' button and uploading scanned color copies of your documents.

If you would prefer to post these documents please send color scans of your documents to

*The upgrade fee is 2€.

Please note you must have at least 2€ available balance on your card if you wish to upgrade your card.
Reward Points is a Loyalty program, where everyone joins for FREE upon registration. You earn Reward Points by using specific Fillit products, which can be redeemed for prizes or cash! The more you use Fillit, the more Reward Points you get!
Every time you use your Fillit Wallet and Cards for specific payments / transactions, you instantly earn Reward Points! It’s that simple! You can check out the 'Earn' section of the 'Rewards' page in your account, for a detailed list of transactions that gives you Reward Points!
Reward Points are credited immediately and you can check the current balance on the 'Rewards' page in your account.
Collected Reward Points can be exchanged for prizes or cash in Prize store! You can check out the 'Redeem' section of the 'Rewards' page in your account, for a detailed list of Prizes you can get with your Reward Points!
Reward Points are nulled every 1st of January of every calendar year.
Mastercard is accepted at millions of locations across 210 countries and territories.

You can use your prepaid card across 210 countries and territories displaying the Mastercard Acceptance Mark.

As a cardholder, you can use your card to make purchases online, in-store and over the phone at over 36.9 million locations worldwide displaying the Mastercard Acceptance Mark. In addition, you can withdraw money from ATM at any time and safely in more than 2.1 million locations worldwide displaying the Mastercard Acceptance Mark.

  1. Shopping securely online - Your card is not linked to your bank account greatly reducing the risk of fraud when you shop online.
  2. Sending money to family and friends - Fillit cardholders can send money to other Fillit cardholders instantly for a set rate of €1.00.
  3. Individuals with a poor credit rating - Any resident of the UK over 18 years of age is eligible for a Fillit card. No credit checks.
  4. Managing your budget - Set out your budget, load it to the card and you can be safe in the knowledge you can never spend more than you can afford.
  5. Online gambling - If you like an occasional flutter on the horses or playing online poker the Fillit card could be ideal for you.
  6. Teens - Keep track of your kids spending by loading their spending money onto a card.
  7. Wages Payments - Cashing wages cheques can be both costly and time consuming.
  8. Business Expenses cards - Business expenses cards provide a quick distribution method for company expenses or per diem allowances.
In order to use the SMS commands you will first need to have registered a mobile phone number to your Fillit Prepaid Card during your card application process. If you haven't registered your mobile number during your card application you can register the number once you have logged in to your card account online.

Once this is done, you will be able to use the following commands with your Fillit Prepaid Card by sending simple text messages to the phone number +447403925031.

Retrieve your PIN

This functionality allows you to get the PIN for your Fillit card

Text PIN 'Last 8 digits of your card number' to the mobile: +447403925031
Example: PIN 12345678

Load Funds

Allows you to load your own card using your debit card that is pre-registered on the system.

Text LOAD 'Last four digits of your card number' 'Amount' to +447403925031
Example: LOAD 1234 5000

Note that the amount is expressed in the currency of your Fillit Card. So in the example above either €50.00 was loaded depending on the currency of your card.

Transfer Funds

Transfer funds from your Fillit card to another Fillit Card.

Using recipient card number

Text TOCARD 'Last four digits of your card number' 'Recipient card number' 'Amount' to +447403925031
Example: TOCARD 1234 5299650000000000 1000

Using the recipient mobile number

Text TOCARD 'Last four digits of your card number' 'Recipient mobile phone number' 'Amount' to +447403925031
Example: TOCARD 1234 00447974171234 1000

The card number entered is the card number of the person you are transferring funds to. Note that the amount is expressed in the currency of the sending in €. So in the example above 10.00€ would have been sent depending on the currency of your card.


Find out the current balance on your Fillit card.

Text BALANCE 'Last four digits of your card number' to +447403925031
Example: BALANCE 1234

You will receive an instant SMS back with the up-to-date balance on your card.

Lock & Unlock

To temporarily prevent any withdrawals from cash machines (ATMs) and purchases via retailers (POS), you can lock your Fillit card.

Text LOCK 'Last four digits of your card number' to +447403925031
Example: LOCK 1234

Text UNLOCK 'Last four digits of your card number' to +447403925031
Example: UNLOCK 1234

Please note that this command is intended to be used for temporarily locking your card to stop others attempting to use it or if you do not wish to use it for an extended period of time. If you suspect that your card is lost or has been stolen, you should contact customer services at [email protected] or by phone to +359 (2) 8504004 immediately.

SMS System Help

You do not need to memorize or know all these commands by heart. You can always view these commands online on the website or if you don't have access to the internet, you can view the SMS commands with the instruction below

Text HELP to +447403925031
Prepaid Mastercards provided by PFS are not credit cards, charge cards or debit cards. Fillit Prepaid Mastercards are reloadable cards, issued by a financial institution. Cards are available in different currency denominations. Each time the card is used, the value of the purchase is deducted from the funds available on the card. Funds are loaded onto the card either at the time of purchase or at a later date. The value is held at a bank and not on the card. The card does not offer credit. In essence, you need to load funds on to your card before you can use those funds.
Fillit Prepaid Mastercard cards operate on the standard Mastercard networks. The Fillit Prepaid Mastercard Card can be used like any credit or debit card. The prepaid value loaded on the card can be used by cardholders at participating retail merchant locations for purchases and ATM's worldwide for withdrawals. Funds will be immediately debited from the cardholders balance upon authorization of any transaction. Purchases or cash withdrawals are deducted from the balance until the loaded value is spent. The card can be loaded over and over again. A full transaction history can be viewed via an online account management facility and using mobile phone.
Upon application all applicants must read and accept the terms and conditions of the card program. These terms and conditions are approved by the issuer.
The process to activate your card is easy. You can follow the instructions on the letter attached to your card or alternatively follow these simple steps.

  • Go to my cards.
  • Check what card you want to activate.
  • Enter the 16 digit card number and expiration date when you press activate.

Then you can check your PIN at card details. You must never share this with anyone.
Yes. This depends on the program definitions agreed with our clients.
Cardholders are required to contact the call center and request a new card. The cardholder's card will then be cancelled and a replacement card will be sent to them subject to a replacement fee stated in the terms and conditions.
Upon receipt of a Prepaid Card, cardholders must sign the back of the card in the box highlighted 'authorized signature' and then activate their card as per the instructions provided in the welcome pack. Cards must be activated through a website before cardholders can access their funds or load funds onto their Prepaid Card.


Have questions? We are happy to help.

Contact us with any questions regarding Fillit.