I paid Payback Ltd $13,500 USD to help recover $500,000 USD lost in a scam. After 14 months, they have recovered $0. They sent incorrect email addresses to regulatory authorities, kept changing my acc... See more
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See what reviewers are saying
I would give it a 0 if I could. They charge an initial fee to have you send complaint letters to institutions. They take no action to actually recover the funds from the actual scammers. Then they tel... See more
Company replied
I went after a fat refund of 680 grand from copts through this outfit, all jazzed up by their quick fix spiel. But, despite jumping through their hoops, a resolution was nowhere in sight. Their epic f... See more
These people have repeated ignored my requests for a refund despite the fact that the FBI closed them down and part of the agreement was to give everyone a refund who asked for it . These people conne... See more
Company details
Information provided by various external sources
Sichern Sie sich bei vielen Partnern des täglichen Lebens jede Menge Bonuspunkte & belohnen Sie sich mit wertvollen Prämien. PAYBACK - Deutschlands größtes Bonusprogramm.
Contact info
Germany
- www.payback.de
1.4
Bad
4K reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 96% of negative reviews
Typically replies within 24 hours
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AVOID THIS COMPANY!!!
I paid Payback Ltd $13,500 USD to help recover $500,000 USD lost in a scam. After 14 months, they have recovered $0. They sent incorrect email addresses to regulatory authorities, kept changing my account managers, and forced me to re-explain my case 4 to 5 times. The FCA has issued warnings about these exact recovery services. I have formally requested a refund of my $13,500 retainer via email due to gross operational negligence, and they are ignoring my written communications. Avoid this company.
October 29, 2026
Unprompted review
Reply from PAYBACK
Hi Michael,
The comment does not relate to our company.
Best regards,
Payback Team
Never trust this company its a big cheat
August 31, 2026
Unprompted review
Reply from PAYBACK
Hallo,
es tut uns leid, dass Sie offensichtlich mit dem PAYBACK Service und unserer Kommunikation nicht zufrieden sind.
Wir nehmen jedes Kundenanliegen ernst und bemühen uns immer um eine kundenfreundliche und individuelle Lösung. Jeder Hinweis ist eine wertvolle Rückmeldung und gibt uns die Möglichkeit, unseren Service weiter zu verbessern.
Damit wir Ihnen am besten weiterhelfen können, benötigen wir sachliche und möglichst genaue Informationen zu Ihrem Anliegen.
Vielen Dank für Ihr Verständnis und Ihre Kooperation
Ihr PAYBACK Team
Payback VISA: Good concept but terrible customer support
Good concept but terrible customer interface and service / Constant card blocks / Outdated system handling.
there is no app for your banking and you will have to log into your account via a browser and view your activity like it is 2010.
many times my card was blocked with strange reasons like "contactless payment times exceeded" or the purchase was simply rated as fraudulent. Many times I have been left standing without being able to pay because of this.
My limit was always set at 1.000€ despite a high salary, which was a terribly low amount so I had to often back up with a card.
Finally, the worst part were profile updates. I updated mine over my client portal 8months ago, but they stil continued to send me snail mail. then my card was cancelled without my knowledge or notice.
I have been calling this company on average 1x a month to get help. Each time they promised to solve the issue but my card continues to remain blocked. They outsource their customer support, sometimes you can tell they can't speak proper german.
Apparently , an address change can only happen via post, even though it has been done online.
I have now written them, and it has been 2 weeks since I have received a reply.
This in 2026 :( extremely shameful for any bank / company.
All things given I am quite happy I have gotten rid of this card.
It is simply more stress than convenience.
September 1, 2026
Unprompted review
Reply from PAYBACK
Hi Charlotte,
thank you for sharing your detailed feedback. We are truly sorry to hear about your experience with the PAYBACK Visa and the frustration caused by repeated card blocks, difficulties with updating your personal details and the delayed response from our customer service.
We fully understand how inconvenient and frustrating it must have been to be unable to use your card for payments and to have to contact us repeatedly without seeing a satisfactory resolution. This is not the level of service we aim to provide.
We also regret the inconvenience caused by the communication regarding your address change and the cancellation of your card. Your feedback regarding our customer service and processes is important to us, and we will make sure it is taken seriously.
As we cannot discuss personal account details publicly, we would appreciate the opportunity to look into your case individually. Please contact our customer service team and mention your Trustpilot review so that we can investigate what happened.
We are sorry that your experience ultimately led you to part ways with your PAYBACK Visa, and we sincerely appreciate you taking the time to share your feedback with us.
Best regards,
Your PAYBACK Team
Bad order processing
Trash service. I won't even give 1 start. They don't deserve any start. I placed an order on Sunday and it says it will be processed on next working day which is Monday. Guess what they didn't process it on Monday as well. Bad service
August 24, 2026
Unprompted review
Reply from PAYBACK
Sehr geehrter Abu Sayeed, wir vom PAYBACK Trustpilot Team können leider nicht prüfen, warum Ihre Bestellung noch nicht bearbeitet ist. Wenden Sie sich bitte telefonisch an die Kollegen vom PAYBACK Kundenservice, die Kollegen helfen Ihnen gern weiter. Die Kontaktdaten finden Sie unter PAYBACK.de/info/kontakt. Bitte haben Sie mit dem Sprachcomputer ein wenig Geduld und bleiben in der Leitung. Mit freundlichen Grüßen Ihr PAYBACK Team
Multiple thousands of points missing
Multiple thousands of points missing. I have evidence. They wouldn't credit them. Useless company, worst UI/UX, customer service is a joke.
August 4, 2026
Unprompted review
Reply from PAYBACK
Hallo Ana,
vielen Dank, dass Sie sich die Zeit genommen haben, uns Ihr Feedback mitzuteilen.
Wir bedauern sehr, dass Sie mit der Punktegutschrift und unserem Kundenservice unzufrieden sind. Wir verstehen, wie enttäuschend es ist, wenn °Punkte nicht wie erwartet gutgeschrieben werden. Bitte seien Sie versichert, dass wir keinerlei Interesse daran haben, berechtigte °Punkteansprüche abzulehnen.
Wenn Ihr Anliegen noch nicht abschließend geklärt wurde, kontaktieren Sie unseren Kundenservice bitte erneut. Die Kollegen prüfen Ihren Fall dann gerne noch einmal im Detail.
Mit freundlichen Grüßen
PAYBACK GmbH
I would give it a 0 if I could
I would give it a 0 if I could. They charge an initial fee to have you send complaint letters to institutions. They take no action to actually recover the funds from the actual scammers. Then they tell you they have to stop efforts ‘just in time’ before you can dispute the charge. They seem like scammers themselves who benefit off people already in a vulnerable state looking for a solution. Better to cut your losses or work with a reputable company. Do your research. Be safe.
July 15, 2026
Unprompted review
Reply from PAYBACK
Hallo E.P
Thank you for sharing your feedback. However, the services you are describing have absolutely nothing to do with PAYBACK.PAYBACK is a loyalty and rewards program, which is 100% free of charge for all customers. We do not charge any initial fees, nor do we send complaint letters or handle fund recovery from scammers. It appears you have mistaken us for another company or service provider.If your issue does indeed relate to your PAYBACK account or our official program, please contact our Kundenservice (Customer Service) directly through our official website. They will be more than happy to assist you.
Best regards
PAYBACK Team
Honestly all they do is charge a fee to…
Honestly all they do is charge a fee to send letters, which do not help in any way to recover funds, therefore I would not recommend, as it is not helpful.
June 30, 2026
Unprompted review
Reply from PAYBACK
Dear Sir,
thank you for sharing your feedback. We are sorry to hear that you were not satisfied with your experience.
We would like to clarify that our written communication process is not intended to simply charge a fee for sending letters. In some cases, written correspondence is required to properly document, review, and process a request, especially when the matter cannot be fully clarified by telephone.
We understand that this may feel inconvenient, and we appreciate your patience. Our goal is always to handle customer concerns carefully and find the best possible solution based on the information available.
We would be happy to review your case again and assist you further. Please feel free to contact our support team so we can look into the details.
Kind regards,
PAYBACK GmbH
It’s very complicated and not…
It’s very complicated and not transparent. You have to spend €10 to get a single point—it would be easier to just ask someone for that one cent. It’s not worth the hassle.
June 9, 2026
Unprompted review
Reply from PAYBACK
Sehr geehrter Herr kuba majdzinski,
vielen Dank für Ihre Zeit, die Sie sich genommen haben, um uns Ihr Feedback zum Programm zu übermitteln. Gerne leiten wir dieses intern weiter. Es ist uns wichtig, dass Sie als PAYBACK Kunde zufrieden sind. Vielen Dank dafür.
Liebe Grüße
PAYBACK Team
Scam after scam
Scam after scam. They are the scammers themselves. They are just playing long game and buying time. When you are tired and frustrated with their excuses. you will eventually give up!
June 3, 2026
Unprompted review
Reply from PAYBACK
Hi JJ June,
we are very sorry that you have come to this impression.
PAYBACK is a well-established loyalty program where the protection of customer data and account security are our top priorities. For data protection reasons, we do not have access to individual accounts via Trustpilot or social media and are therefore unable to review or resolve specific cases here.
If there have been any misunderstandings or issues in your case, we kindly ask you to contact our customer service via the contact form. This allows your request to be reviewed and handled individually.
We understand that repeated security checks or verification steps can be frustrating. However, these measures are in place to protect your account and the points you have collected.
Kind regards
Your PAYBACK Team
Trustpilot should be held accountable…
Trustpilot should be held accountable as well. I have made numerous complaints about this company, and Trustpilot has flagged me, saying they weren't true, and all that, removed my reviews, removed my complaints. So Trustpilot is part of the problem too. you gotta watch out for them as well. Will be leaving this complain to BBB as well.
May 29, 2026
Unprompted review
Reply from PAYBACK
Hi Pete Miranda,
thank you for sharing your concerns. As your feedback relates to Trustpilot's review and moderation processes, we would recommend contacting Trustpilot directly for further clarification and assistance. Their support team will be best placed to review your case and provide more information.
Kind regards,
The PAYBACK Team
These people have repeated ignored my…
These people have repeated ignored my requests for a refund despite the fact that the FBI closed them down and part of the agreement was to give everyone a refund who asked for it . These people conned me 6 years ago with empty promises to get my funds back and it’s been nothing but more lies and empty promises . Don’t do business with them . They are liars and scam artists themselves and will never get any real results for those who paid them .
May 28, 2026
Unprompted review
Zero stars.
I would give zero stars if I could. Another pack of lying rip off scammers. Don't believe a word they say. Scum of the earth.
May 8, 2026
Unprompted review
Complicated vouchers and extremely frustrating customer contact
My recent experience with PAYBACK vouchers has been unnecessarily complicated and frustrating.
I redeemed points for vouchers or bought them in their shop (including a Google Play voucher) because PAYBACK actively promotes these rewards and even incentivizes them with bonus points.
However, the process quickly turned into a chain of problems. The voucher redemption process itself is already complex, and when issues occur (for example when a voucher cannot be redeemed properly) the customer is left dealing with multiple systems and companies.
What makes this worse is the way customer contact is handled. PAYBACK sends emails from addresses like service@..., but if you reply to the email you receive an automatic response saying that replies cannot be processed and that you must instead log in and use a contact form. The contact form then allows only 400 letters... This makes communication unnecessarily difficult and fragmented.
If a company sends a message to a customer, basic customer service would suggest that replying to that message should be possible. Forcing customers into a specific contact form system adds friction exactly when support is needed. Cutting the input in 2026 seems absurd as well.
The overall impression is that vouchers are heavily promoted to customers but the systems behind them are complicated, and getting help when something goes wrong is harder than it should be.
March 6, 2026
Unprompted review
User Credentials Checks and Coupons Delivery Issues
I would have even given zero stars if i had been able to do so. First, the app removed my access rights by blocking my account for no reason whatsover inclding no failed password attempts. It just blocked my account out of the blue. After 5 attempts of password recovery and app re-installing, the problem solved. After that, I ordered 2 coupons with my points over years and years of accumulations. The app says that the ordered ONLINE coupons will be available next working day. As if it`s not strange enough to wait 1 workign day to have your ONLINE coupons to be sent to you, it does not even work like that. I finally reached the customer support center for this issue and the person on the call said that "yes its super annoying the app says that but it actually takes 3 to 4 days until you receive your ONLINE coupon.". Today is the day 5, and i receive an e-mail from Payback that says my ONLINE coupons are now ready. I checked and only saw that they are still not ready at all! The app has the absolutely the worst user access / login credentials system and absolutely the worst synchronization for coupon delivery / verification.
December 4, 2025
Unprompted review
Reply from PAYBACK
Guten Tag, vielen Dank für Ihre Rückmeldung. Wir können gut nachvollziehen, dass die Situation für Sie ärgerlich war. In der Regel wird der Gutschein innerhalb des nächsten Werktages bereitgestellt. Um unberechtigte Zugriffe auf Ihr PAYBACK Konto auszuschließen, erfolgt die Freigabe des Gutscheins nach eingehender Prüfung der Bestellung. In Ausnahmefällen kann die Bearbeitung jedoch mehrere Tage dauern. Gut zu hören, dass es schließlich geklappt hat. Vielen Dank für Ihre Geduld. Mit freundlichen Grüßen
Unreliable Tracking and Delayed Redemption:
Redemption via voucher takes a minimum of one day, so a user collects points for the entire year but, when they have to redeem it, it takes one day, and when the user buy a voucher that comes within two hours. Why have double standards ? Combine with the unreliable tracking it comes to nothing.
December 1, 2025
Unprompted review
Reply from PAYBACK
Guten Tag, vielen Dank für Ihre Nachricht. Wir verstehen, dass die unterschiedlichen Bearbeitungszeiten frustrierend wirken können. Diese Abläufe sind systembedingt und gelten für alle Kund*innen gleichermaßen. Sollten Sie Fragen zu einzelnen Einlösungen oder Vorgänge haben, steht unser Kundenservice gerne zur Verfügung. Mit freundlichen Grüßen
Insider Scammer
Insider Scammer! Suddenly got email that somebody changed email. Worst way to communicate with customer service. Called the customer service and waited about 20 minutes to get an answer.
And as expected, all points are used! I can see that other users have the same problem. This must be from inside the company. No steps were taken to find the scammer.
The person from payback did reset my password through email, but the link didn't work.
Waste of time and effort for this scammer organization.
Go away scammers!
September 25, 2025
Unprompted review
Reply from PAYBACK
Hallo,
es tut uns leid, dass Ihnen °Punkte gestohlen wurden. Wir prüfen unsere Systeme kontinuierlich und können mit Sicherheit sagen, dass die Daten nicht direkt bei PAYBACK abgegriffen wurden. Es gibt mehrere Möglichkeiten, wie sensible Daten abgegriffen werden können. Zum Einen nutzen Kunden oft dieselbe Passwort- und E-Mail-Kombination für mehrere Online-Accounts. Wenn diese Kombination bei einem schlecht gesicherten Account erspäht wird, ist der Zugriff auch auf alle anderen Konten möglich. Aus diesem Grund empfehlen wir immer, die 2-Schritt-Verifizierung zu aktivieren.
Millionen Menschen in Deutschland sammeln täglich PAYBACK °Punkte und ihnen fühlen wir uns als verantwortungsbewusstes Unternehmen ganz besonders verpflichtet. Deshalb hat Datenschutz bei PAYBACK höchste Priorität. Das bedeutet:
* Unbefugte haben keinen Zugriff auf Ihre persönlichen Daten
* Ihre Daten verlassen niemals den Kreis der PAYBACK Partnerunternehmen
* PAYBACK betreibt keinerlei Adresshandel
* Der Datenschutz bei PAYBACK ist TÜV-geprüft und zertifiziert
Wie genau Dritte an Ihre Daten gelangt sind, können wir nicht feststellen, da der Angriff außerhalb des PAYBACK Systems stattgefunden hat.
Vielen Dank für Ihr Verständnis!
Mit freundlichen Grüßen
Ihr Payback Team
Paybackllc is a scam also I gave them…
Paybackllc is a scam also I gave them $1500.00 iv never got my money back iv lost $15k from a bitcoin scam its been over a year I lost money to Paybackllc and that scam. Payback stopped messaging me back i can't get ahold of them anymore do not trust Paybackllc they scammers too they sound like there helping at first sounds they really nice but don't trust them
May 21, 2025
Unprompted review
Reply from PAYBACK
Sehr geehrte Damen und Herren,
vielen Dank für Ihre Zeit, die Sie sich genommen haben, um uns Ihr Feedback zum Programm zu übermitteln.
Wir finden gerne eine Lösung für Sie. Hierzu bitten wir Sie, uns Ihr Anliegen noch einmal detailliert mitzuteilen.
Sie erreichen uns am besten unter 089 540 20 80 20 (Mo-Sa 08:00 - 20:00). Wenn der Sprachcomputer Ihr Anliegen nicht lösen kann, leitet er Sie an einen Service Mitarbeiter weiter.
Vielen Dank für Ihr Verständnis und Ihre Kooperation
Ihr PAYBACK Team
cant access support without login?
cant access support without login?? u serious?
July 30, 2025
Unprompted review
Reply from PAYBACK
Hello Flexy,
You can of course reach our customer service both by phone and by mail without having to log in. You can find the complete address and other contact options on our website at PAYBACK.de/info/kontakt.
Best regards, Your PAYBACK Team
This is SCAM company which pretends to…
This is SCAM company which pretends to recover your scammed founds via letters....simple letters to financial institutions, like Binance for example that will reply you that you have been scammed once again and that they will not initiate any investigation without a law enforcement.
However, PAYBACK scam company will keep telling you that the only way to recover your money it is to send letters over letters until when the financial institution will not collaborate.
After that, you will receive a conclusion letter from their side, telling you that due to the lack of collaboration by the financial institutions they are obliged to terminate the contract agreement.
SCAMMERS
July 4, 2025
Unprompted review
Reply from PAYBACK
Dear Sir Giulio Chiabra,
thank you for your feedback.
Our company is the German bonus program PAYBACK. Information about our company can be found at https://www.payback.de/
Your complaint suggests that you mean another company. We have no business relationship with PAYBACK ltd.
Best regards
PAYBACK GmbH
unreliable & reckless
unreliable & reckless. closed my positions prematurely during volatility, blaming 'system error.'
refused to restore trades or refund losses. Bull $ta$h-handle volatility fairly with ral-time.
June 29, 2025
Unprompted review
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