Last updated 13 August 2026
PayperWIZ is operated by Elaq Limited, a company registered in Ireland. In these terms, "we" and "us" mean Elaq Limited.
The important one. PayperWIZ is a calculator for cards you already hold. It is not financial advice, it does not recommend applying for any card, and the numbers it shows are only as good as the terms you or it entered. Check your issuer before relying on anything for a large amount.
A personal tool that ranks the payment cards you already own for a purchase you are about to make, using reward rates, monthly caps and foreign currency fees that you enter or that it drafts for your review.
Reward rates, caps, exclusions and fees change, and issuers do not publish them in any consistent form. PayperWIZ tells you when a figure is an estimate, when a cap cannot be verified, and when a foreign currency fee has been assumed. Those disclosures are part of the answer, not decoration. The authoritative source is always your issuer's current terms.
Research drafted by the AI feature is a starting point for you to check, with its sources cited for that purpose. It can be wrong.
Credits are consumed by AI research requests. They are sold through Apple's In-App Purchase and do not expire. A request that fails on our side is refunded automatically. Refunds of purchases are handled by Apple under its own policy; where Apple refunds a purchase, the corresponding credits are removed.
Free credits included with the app are promotional and carry no cash value.
Do not attempt to bypass credit metering, resell access, or use the service to break any law. We may suspend an account doing so.
PayperWIZ is provided as is. To the fullest extent the law allows, we are not liable for rewards you did not earn, fees you did incur, or any other loss arising from a decision you made using the app. Nothing here limits liability that cannot lawfully be limited.
These terms are governed by the laws of Ireland, and the Irish courts have jurisdiction. If you are a consumer resident elsewhere in the EU or EEA, you keep the protection of the mandatory consumer law of the country you live in, and you may bring proceedings there. Nothing here removes a right your local consumer law gives you.
Elaq Limited, Ireland · support@payperwiz.com