Security and trust

A safe money pot, from contribution to withdrawal

Memorable is a regulated money pot platform: funds are held in escrow accounts, payments are secured with 3D Secure and your data is hosted in Europe. Here is how we protect organisers and participants.

A French company, registered and insured

Memorable is published by Memorable Day SAS, in Paris, founded by the creator of ungrandjour.com, the wedding money pot. The company is registered with ORIAS as a crowdfunding intermediary, a regulated profession supervised by the ACPR, the authority attached to the Banque de France. Our activity is covered by mandatory professional liability insurance of up to €100,000 per claim.

ACPR badge – crowdfunding platform regulated by the French authorities

Crowdfunding intermediary no. 26010195 on the ORIAS register. Collected funds are held in escrow accounts dedicated to each money pot.

Check on orias.fr
Identity verification

Identity verification that is simple, quick and governed by law

Memorable verifies the identity of the money pot's organiser before their first withdrawal. It takes 2 minutes from your computer or phone. You can then register the bank account where you want to receive the money and request withdrawals in one or several goes, at any time during the money pot, without having to close it.

We ask for this information to comply with the regulations that apply to every online money pot:

  • AML-CFT Anti-money-laundering rules require us to know who receives the funds (French Monetary and Financial Code, art. L. 561-5).
  • ACPR notice The due-diligence rules set for crowdfunding intermediaries by the authority attached to the Banque de France. Read the notice
  • GDPR Your identity data is used only for this verification and kept for the period the law requires.
Escrow account

The money collected sits in a dedicated escrow account, which we never use

As soon as they pay, participants' money goes into an escrow account dedicated to your money pot, held by a licensed payment institution. It stays there safely until you withdraw it.

Our model is simple and transparent: our only income is the contributions participants and organisers choose to leave. We take no commission on withdrawals and earn no interest on money pot funds.

For extra security, the money collected becomes available within 2 to 5 business days, and the transfer reaches your account within 48 to 72 hours.

Payments

A simple, fast and secure payment

The payment form is designed to be as easy as possible, with the payment methods everyone uses every day, and protected by the highest banking security standards. Cards from all over the world are accepted, from any country.

Accepted payment methods
CB Visa Mastercard American Express Apple Pay Google Pay
3D Secure PSD2 strong authentication PCI DSS level 1 Encrypted HTTPS connection

3D Secure authentication

For each participation, we ask the participant's bank for strong authentication: they confirm the payment in their banking app or by text message, as the European PSD2 rules require. Every payment is thus protected by 3D Secure.

Encrypted card data

The card is entered in a form certified PCI DSS level 1, the industry's most demanding standard, over an encrypted HTTPS connection. Card data is never stored by Memorable.

Fraud screening

Every payment is screened automatically to catch stolen cards and suspicious behaviour. Participants and organisers are protected across the whole platform.

Data

Your data stays in Europe

French company, hosted in the European Union France, Ireland, Netherlands · protected by the GDPR

Memorable Day is a French company based in Paris and supervised by the ACPR. The site and its database are hosted in Ireland, photos are stored in Paris, and all data is encrypted and protected in line with the GDPR.

Our providers and where they are

  • Site hosting Salesforce Heroku Ireland, EU
  • Photos Amazon S3 Paris, France
  • Payments and identity Stripe Payments Europe Ireland, EU
  • Emails Resend Ireland, EU
  • Monitoring AppSignal Netherlands, EU

The full list of processors and retention periods is in our privacy policy.

Privacy

You choose who you share your money pot with, and what it shows

Money pots are not listed on Google, and Memorable offers no search feature to find an event by its name or its organiser's name. A money pot can only be opened with its personal link or with the free QR code provided by Memorable.

The organiser chooses what is shown. They can hide the total collected and set the defaults offered to participants, for example showing messages to the beneficiary only.

Each participant stays in control. They decide whether to show their first name, the amount they gave and their message, and can give anonymously. Their email is passed to the organiser only if they choose to share it.

Your data serves the money pot only. No resale, no marketing emails.

Money pot settings Camille's birthday
Display total amount publicly
Show the number of participations
Default visibility of contributors' information
Contributor's name
Everyone The beneficiary Anonymous
Contribution amount
Everyone Only the beneficiary
Contributor's message
Everyone Only the beneficiary
These values are preselected in the participation form. Each participant remains free to change them before paying.
“Secure, very practical, intuitive and super quick to use, nothing to learn and no fees.”
Excerpt from a review posted on Trustpilot
4.9 / 5
444 reviews
8k+
Contributions
1k+
Pots
  1. 5 stars
  2. 4 stars
  3. 3 stars
  4. 2 stars
  5. 1 star

Ratings collected by our own review system, after each contribution and each payout. We then invite our users to complete their review on Trustpilot and Avis Vérifiés.

Security and disputes

Answers to the most common questions about money pot security and how disputes are handled, in line with our terms.

How do I report a suspicious money pot?
Write to us at [email protected] with the money pot's link and the reason for your report. Your report stays confidential. After review, we may ask the organiser for supporting documents, suspend withdrawals or the money pot and, in case of proven fraud, refund the participants.
Can I get my contribution refunded?
You can request it at [email protected]. Each request is reviewed according to the money pot's situation and the withdrawals already made. When a refund is possible, it is paid back to the card used for the payment; a 2% processing fee may be deducted. If the funds have already been withdrawn, we put you in touch with the organiser.
What happens if a payment is disputed with the bank?

A chargeback happens when a participant asks their bank to cancel a payment. It is handled in three steps:

  1. Withdrawals from the money pot are suspended while the case is reviewed.
  2. We ask the organiser for the relevant information, with supporting documents if needed.
  3. The participant's bank reviews the case and decides whether the payment stands or is refunded.

Throughout the process, the funds stay in the money pot's escrow account, and withdrawals resume as soon as the case is closed. No chargeback has been recorded since Memorable launched.

Why must I verify my identity before withdrawing funds?
Identity verification is a legal anti-money-laundering requirement, as when opening a bank account. The ACPR sets it out in its notice to crowdfunding intermediaries. It is done only once, and only for withdrawals: creating or contributing to a money pot does not require it. A new verification may be requested in case of doubt or dispute.
Can I ask for my ID document and selfie to be deleted?

These documents must legally be kept for five years. Memorable does not store them on its servers: they are analysed and kept by our identity verification partner, Stripe. We keep only the verification's reference, status and date.

Stripe keeps biometric data for up to one year, and other verification data for five years after the relationship ends. Memorable, as a crowdfunding intermediary, is bound by the same obligation (articles L. 561-2 and L. 561-12 of the French Monetary and Financial Code).

The GDPR right to erasure does not apply to data that the law requires to be kept (article 17, paragraph 3, b).

Why are contributions not available straight away?
As with a bank transfer, funds take a few days to become available. This delay lets the participant's bank confirm the payment and protects the money pot against errors and fraud. Contributions become available within 2 to 5 business days, then the transfer reaches your account within 48 to 72 hours. During this time, the funds are already in your money pot's escrow account.
Can Memorable suspend a money pot?
Yes, exceptionally and only to meet our legal obligations: proven fraud, illegal content, a request from an authority, or supporting documents not provided. Except in an emergency, we contact the organiser beforehand. The funds stay in the escrow account until the suspension is lifted or the participants are refunded.
How do I contact the Memorable team?
Write to us at [email protected]: our team will get back to you as soon as possible. If your request is urgent, feel free to follow up by email. No phone number is offered up front, but a phone appointment can be arranged after an email exchange, to make things easier.
As an organiser, can I choose what my money pot shows?
Yes. In your money pot's settings, you can hide the total collected and set the default visibility offered to participants for their first name, amount and message. Each participant can change these choices before paying.
How do I exercise my rights over my data?
You can exercise your rights of access, rectification, erasure and portability by writing to [email protected] or by post to Memorable Day, 60 rue François Ier, 75008 Paris, France.
Smiling cartoon face Laughing cartoon face

Collecting money online, safely.

For any question about security or the protection of your data, write to us at [email protected]