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Why do I pay a fee on Direct Debits below 50€?
As you know, fund transactions made by Goparity users are executed through an intermediary - Mangopay S.A. - an electronic financial institution. This means that we pay fees for some of the transactions made on our platform, namely top-ups using credit or debit card and direct debits.
Given our vision to democratize the access to finance, and in order to keep investments free, we have made the decision of not charging that fee to our investors. This is why we established a minimum amount of 50€ for the direct debits to be free of charge. In order for us to avoid excluding anyone from our savings plan, we will still allow for direct debits below 50€, but we will charge a fee of 0,50€ that reflects the direct costs charged by our payment services provider.
Don't worry - investing is and always will be free on the Goparity platform. You can learn more about our Pricing here.
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© 2025 Goparity
GOPARITY (www.goparity.com) is a platform of crowdfunding by loans (crowdlending) managed and owned by Power Parity, SA, a public limited company, with number 514373822, and registered office at Rua Filipe Folque, 2, 1st floor, 1050-110 Lisbon (Portugal), licensed by the regulatory and supervisory body CMVM (Portuguese Securities Market Commission), under Regulation (EU) 2020/1503 (European Crowdfunding Regulation).
The payment services available through the platform are provided by MangoPay SA, a registered electronic money institution based in Luxembourg and supervised by the CSFF (Commission de Surveillance du Secteur Financier), registered with Banco Portugal (the Portuguese regulator) under no. 7830.
Investments in crowdlending carry a risk of a partial or total loss of the funds invested. The return on your investment depends on the project's success developed through the campaign in which you invest. Your investment is not covered by the deposit guarantee schemes established by Directive 2014/49/EU nor by the investor compensation schemes established by Directive 97/9/EU. Please consider all risks before investing and carefully read the Key Investment Information Sheet (KIIS) provided to you before investing.