Paymium exchange profile: euro trading, custody and family accounts

Paymium is a French centralised platform combining euro crypto purchases, a trading interface, hosted balances and assisted large transactions. Its current offering also includes recurring purchases and family subaccounts, with browser and mobile access. The distinction between simple conversion, order-book trading and an OTC quotation matters because execution and charges differ between those routes.[1]

Under the July 2026 OTC policy, the customer requests a quote, reviews it and accepts or rejects it. Paymium may use liquidity intermediaries; the accepted conversion becomes final, with proceeds credited after commission. Assisted phone or messaging conversions are restricted to business hours. A request for assistance is therefore not equivalent to accepting an executable price.[4]

The trading rules allow cancellation of unfilled quantities without charge. Market orders can fill at several prices, while a limit constrains the execution price rather than ensuring completion. Orders use the web, app or API; the rules do not provide an ordinary telephone substitute for electronic order-book submission.[3]

Exchange/market/merchant rates are 1.49%; transactions in USDC or EURCV cost 0.90%, except EURCV/EUR transactions, which are free. Card fees reach 3.5%. At the entry maker rate, a €1,000 execution costs €4.[2]

The fee page exempts accounts opened on paymium.com from inactivity fees from 1 January 2025. Older off-site-origin accounts retain three-year inactivity conditions: qualifying pre-2014 BTC/EUR or pre-2017 BCH balances incur 10% annually, with monthly minima of 0.002 BTC, €4 or 0.02 BCH respectively. The same tariff permits a €30 penalty for a payment incident caused by the customer.[2]

An OTC customer should compare the final amount delivered with the amount committed, as well as the named commission. The execution policy considers price, cost, speed and settlement probability when selecting intermediaries. Specific customer instructions and exceptional market or infrastructure events can limit that process; best execution is an operating obligation rather than a guaranteed best price in every circumstance.[4]

For euro funding, generate or retrieve the IBAN inside Deposit/Withdraw, select Euro and use your own first and last names as beneficiary. The sending personal account must carry the same name; joint accounts can require evidence showing both holders. The help guide allows up to seventy-two working hours for credit, so retain the bank reference before treating a missing balance as a failed transfer.[9]

The accepted-transfer guide specifies euro SEPA payments. Its country list concerns incoming banking routes and should not be substituted for account-residence eligibility. A non-euro bank balance can also introduce the sending bank’s conversion costs; the inspected instructions provide no general exchange-wide foreign-currency wallet or automatic conversion schedule.[29]

Paymium’s help distinguishes a euro deposit balance from the trading balance. Move euros internally before trading, and return them to the deposit side before a bank payout. Internal Transfer is documented on both desktop and the mobile menu, with nearly immediate processing; refreshing the display may be necessary. An aggregate portfolio value can therefore hide why a particular action lacks available euros.[10]

The deposit-limit article publishes no fixed maximum but permits evidence of the funds’ origin. This is a qualification to the headline: a large transfer can still require review. Prepare the relevant bank and source documents before arranging a time-sensitive OTC transaction rather than equating an uncapped published deposit amount with immediate unrestricted execution.[30]

Individual payouts go to an own-name or joint bank account; company payouts go to an account in the company’s name. Keep personal and business banking instructions distinct. The named-account requirement is an operating condition, so a correct IBAN belonging to somebody else is not enough to establish an eligible withdrawal destination.[13]

Beneficiary verification compares the IBAN with the person’s or company’s legal name. Results include a match, partial match, mismatch or unavailable check. The guidance still permits customer approval after a mismatch; that option should prompt a careful review of the banking details, not be interpreted as confirmation that the recipient is correct.[32]

Euro withdrawals require both text/authenticator and email confirmation. The guide expects bank receipt within seventy-two hours after both codes are confirmed and directs missing-email cases to support. If the confirmation window was closed, restart the documented procedure; a form submission alone may not have created a completed withdrawal instruction.[12]

External crypto withdrawal uses the chosen asset, quantity and recipient address, followed by text/authenticator and email codes in the same confirmation window. Closing that window cancels the request. Keep the asset and destination network consistent and retain the eventual transaction reference: confirmation at the platform and receipt in the external wallet are distinct steps.[11]

Delisting rules provide thirty days’ notice, stop deposits from notice and leave transfers available during that period. At the deadline, open orders are cancelled and residual balances may convert to a stablecoin, prioritising EURCV unless a technical, contractual or risk reason favours a USD token. This creates an explicit exit deadline for affected holders.[3]

The July custody policy separates customer assets from Paymium’s own holdings while using omnibus blockchain addresses and individual internal ledger records. It describes hot/cold storage, multiple-signature controls, reconciliation and restricted access. Omnibus custody means a customer’s displayed balance is individually recorded internally; it need not correspond to an exclusive address controlled by that customer.[5]

Restitution may involve transfer to a designated external wallet or an agreed equivalent asset or fiat amount. The policy makes Paymium liable for loss caused by incidents attributable to it, capped at the asset’s market value when lost. This liability provision is not a stated customer insurance policy; no separately quantified insured entitlement was found.[5]

The security page advertises 98% of funds offline. This is a company disclosure, without an inspected current reserve-and-liability assurance report behind that percentage. It describes a storage arrangement rather than a measure of active customers, bank protection or the time required for any particular withdrawal to clear.[17]

Paymium’s account-security guide treats email as a key part of outgoing-transfer approval and supports Google Authenticator or Yubikey in Profile/Security. Protect the mailbox as well as the exchange login, especially before changing a phone. The reviewed help provides no fixed release period after recovery, so no universal post-reset withdrawal clock is promised here.[16]

The terms require adults with legal capacity or properly established entities in accepted jurisdictions, subject to sanctions and residence screening. Minor subaccounts are an exception administered through responsible adults. The accepted-country list is set at registration; a translated website or functioning SEPA bank account alone does not confer eligibility.[6]

Individual onboarding verifies email and phone, collects a compliance form, and uses a physical identity-document photograph, short facial video and electronic signature. Address evidence must match the profile and generally be under three months old; this help page rejects a bank statement as address proof. It estimates document analysis within twenty-four to forty-eight working hours, allowing additional questions before approval.[14]

The family workflow requires an already verified adult account, a separate subaccount for each child, the child’s identity document and birth certificate or family record. Grandparents must add parental authorisation. Transactions take place through the adult’s account, funded from that adult’s own bank; the minor’s account can become independent on reaching legal age.[22]

Closure is available through Profile/Close your account on desktop and Settings/Close account in the app. Before starting, review remaining assets and download records that will be needed after access ends. The help article explains the interface route; it does not say that merely selecting closure automatically liquidates all holdings or completes their bank transfer.[15]

The terms require withdrawal before voluntary closure and say unwithdrawn assets are collected by Paymium at effective closure. No closure fee is specified for that termination, but ordinary transfer charges and minimums remain. They separately allow closure after over three years’ inactivity following unanswered notifications; inactivity exemption does not remove that power.[6]

The current help hub offers a contact form, account tickets and email, with support Monday–Friday, 09:00–18:00; no time zone is specified there. Older individual articles retain a 17:00 closing time. If locked out, write from the email linked to the account. Include the order or payment reference and timestamps so the team can identify the particular operation.[8]

Formal complaints can use the ticket system’s complaints category or post to 73 rue du Château, 92100 Boulogne-Billancourt, France, in French or English. The July policy promises acknowledgement within ten business days, then a response within fifteen business days after acknowledgement, exceptionally thirty-five working days where required information is complete. Preserve a dated written copy when escalating an unresolved conversation.[18]

The policy distinguishes a complaint from a request for information and says complaint handling and mediation are free. Its response should explain available remedies, including the AMF Ombudsman. The clocks describe handling targets in the company policy; they do not promise recovery of losses or give a support agent authority to reverse a valid completed market trade.[18]

After a trading suspension, the rules provide a pre-open period for entering limits and cancelling orders before matching restarts.[3]

Paymium links a separate service-status page for operational updates. During a disruption, check whether an order remains active before submitting it again, and include its reference in an account ticket.[34]

The AMF’s official white-list entry identifies PAYMIUM SAS, authorisation A2026-018 dated 22 June 2026, and paymium.com. Its six services cover custody, platform operation, crypto/funds exchange, crypto/crypto exchange, client-order execution and crypto transfers. That authorisation applies to the named entity and services; it does not extend to derivatives or investment-management authority.[7]

The company footer additionally claims ACPR payment-institution status under CIB 18028. An exact official payment-institution entry was not independently inspected; the ACPR finding remains a company claim. The crypto authorisation and payment relationship should be assessed separately when identifying who holds a euro balance.[28]

July terms describe Paymium as Paynovate SA’s payment agent and Banking Circle S.A. as settlement provider for clients without individual e-money accounts. Those terms and the newer footer use different regulatory descriptions; ask which agreement governs the actual euro account.[6]

PAYMIUM SAS is the French operator. Its legal footer gives Nanterre trade-register number 533 264 800 and the Boulogne-Billancourt address. The company history dates Bitcoin-Central to August 2011 and the Paymium name to June 2014, explaining why legacy account documentation may use the earlier brand.[28][19]

The homepage reports over 250,000 investors supported since 2011 and over 350,000 BTC traded since creation. These are cumulative company claims observed on 20 October 2026, not monthly active users or twenty-four-hour volume. They support a longstanding regional footprint, while leaving a comparable current activity ranking unverified.[1]

The About page reports two million completed transactions and records the 2018 Blockchain.io launch, July 2021 recurring-buy and OTC launch, and September 2023 Paynovate partnership. These milestones provide context for legacy references; they do not establish that every historic service or account arrangement remains available under identical terms.[19]

Current euro-account help says the partner can depend on residence and directs customers to support for their arrangement. Identify the legal provider and current IBAN before reusing old banking instructions. A French crypto operator can work with a bank or e-money provider in another country, and those two relationships need not have the same complaint or reporting requirements.[31]

Operator

PAYMIUM SAS

Exchange model

Centralised

Service scope

Euro spot marketplace, conversion and OTC.

Client types

Retail clients; Professional clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Public tariffs; OTC quotations.

Funding scope

SEPA euros, card purchases and supported crypto transfers.

Custody and asset handling

Omnibus blockchain wallets with individual internal records.

Client eligibility

Verified adults/entities in accepted jurisdictions.

Support

Ticket/email and weekday support.

Authorisation and registration scope

AMF CASP authorisation A2026-018 verified.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 5Source 6Source 7Source 8Source 9Source 27

An empty account and an intentionally stopped plan are different states: replenishing euros restarts an unfunded recurring plan. Use the stop control to prevent future purchases; stopping a plan does not itself sell or withdraw the crypto already accumulated.[20][21]

The documented API separates basic balances, activity records, order creation/cancellation and withdrawal scopes. Withdrawal requests cover EUR and BTC and require email confirmation. Public market data needs no authentication; the published limit is 86,400 calls per IP per day. Choose permissions according to the software’s task rather than giving a reporting tool transaction authority.[23]

The cancellation endpoint only cancels active trade orders or email transfers. Deleting a connection or ceasing API calls is not documented as cancelling already accepted orders; review outstanding instructions separately. Exact key-revocation workflow and chart-setting persistence were not verified in the public material, although order and account operations are documented.[23]

Desktop History/Export supports a selected date range and CSV or PDF; the branded PDF is recommended for a formal statement. Mobile instructions show account history without explicitly establishing the same export workflow. Keep trade records alongside bank and external-wallet transfers so total activity can be reconciled beyond the balance currently visible in the app.[24]

The account-declaration guide distinguishes a personal e-money account from the French platform relationship and directs customers to their tax authority about the applicable reporting obligation. It names Belgian Paynovate and an earlier Lithuanian arrangement. Identify the provider actually used during the reporting period; the French company address alone does not resolve an individual’s account-declaration duties.[33]

The welcome terms updated March 2025 offer new users registered after 5 March a €5 EURCV credit after completing the first-login tour and activating its code. Choosing not to show the tour again can prevent receiving the code. This is a conditional stablecoin credit, not a promise of €5 immediately withdrawable cash; normal account and transfer rules still matter.[26]

The referral help promises an approved referrer 30% of referred trading commissions for six months. The amount depends on actual qualifying activity, not merely sharing a link. The inspected page does not specify a separate universally withdrawable cash amount or complete settlement timetable, so confirm the account’s current reward conditions before relying on referral income.[25]