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The Payment Service means a service in which an account is opened for the User. The User's currency is held on the opened account. The User has the opportunity to execute payment transactions, including the transfer of their currency to another payment account(s) spread with the Payment Service Provider, to receive currency from another payment account(s) spread with the Payment Service Provider and to withdraw currency to the User's bank account or to withdraw currency using another method provided by the Payment Service Provider (e. g. to the payment account(s) opened with another payment service provider), exchange service, which means a service with the help of which a User exchanges a virtual currency against a fiat currency or a fiat currency against a virtual currency or a virtual currency against another virtual currency.