Privacy Policy | Payfac Solutions

1. Introduction

Thank you for visiting Payfac Solutions. Your privacy matters to us, and we are committed to protecting it — no matter where in the world you are located.

Payfac Solutions is a global high-risk payment solutions provider. We work with merchants and businesses across the world, helping them accept payments securely and reliably. Our services include:

Credit Card Processing
Cryptocurrency Payment Processing
Merchant Bank Accounts
Offshore Company Incorporation
Open Banking Solutions
Payment Gateway Services

We serve a wide range of industries, including online gaming and gambling, adult entertainment, dating, CBD/hemp, forex trading, crypto exchange, IPTV, nutraceuticals and pharmaceuticals, travel, e-commerce, digital goods, fantasy sports, and more.

This Privacy Policy explains, in plain terms, what information we collect, how we use it, who we may share it with, how we keep it secure, and what rights you have over your data. This policy applies to everyone who uses our website or services, regardless of country.

This policy is written to cover merchants and visitors from all countries we serve. Your rights and our obligations are determined by the data protection laws applicable in your country of residence. Where those laws give you additional rights, we honour them.

By using payfacsolutions.com or our services, you agree to this Privacy Policy. If you do not agree, please discontinue use.

2. Who We Are

Payfac Solutions is a specialist payment consultancy and gateway provider, connecting merchants with acquiring banks, processors, and financial institutions worldwide. We help businesses in high-risk and specialised industries get approved, stay compliant, and accept payments globally.

Company :Payfac Solutions

Website :https://payfacsolutions.com/

Email :info@payfacsolutions.com

WhatsApp :+44 7888 862159

Telegram :t.me/payfacSolutions

LinkedIn :linkedin.com/company/payfacsolutions

For all privacy-related queries or data requests, contact us at info@payfacsolutions.com with the subject line: “Privacy Request.”

3. What Information We Collect

Because we are a payment solutions provider for specialised industries, we collect more detailed information than a standard website. This is necessary to review merchant applications, carry out compliance checks, and deliver our services effectively.

3.1 Information You Give Us

When you contact us, submit an application, or use our services, we may collect:

Your name, email address, phone number, and postal address
Your business name, website, company type, and industry
Monthly processing volume, average transaction size, and business history
Company ownership structure and director or shareholder information
Identity and address verification documents (KYC — Know Your Customer)
Bank account details and financial statements for merchant account applications
Existing processing history and chargeback data, where applicable
Messages and documents you send us via email, WhatsApp, Telegram, contact forms, or LinkedIn

3.2 Information We Collect Automatically

When you visit our website, we automatically collect certain technical data:

IP address, browser type, device type, and operating system
Pages visited, time spent, referral source, and links clicked
Session data and cookie identifiers

We use Google Tag Manager (GTM), which may load analytics tools to help us understand how visitors use our site.

3.3 Information from Other Sources

We may also receive information about you from third parties, including:

Acquiring banks and payment processors, as part of merchant underwriting
Credit reference agencies and fraud prevention databases
Publicly available company registries and regulatory databases
Partners or introducers who refer businesses to us

4. How We Use Your Information

We use the information we collect only for legitimate purposes. These are:

4.1 Delivering Our Services

Reviewing and processing merchant account applications
Matching your business with suitable acquiring banks and payment processors
Setting up and managing payment gateway accounts
Facilitating crypto payment processing, open banking, and company incorporation
Carrying out required identity and compliance checks (KYC/AML)

4.2 Communicating With You

Responding to your enquiries and support requests
Sending updates about your application or account
Sending relevant service news or offers — only where you have agreed, and you may opt out at any time

4.3 Compliance & Risk Management

Meeting our legal obligations under anti-money laundering (AML) and counter-terrorism financing (CTF) laws applicable in the jurisdictions we operate
Detecting and preventing fraud, chargebacks, and unauthorised transactions
Reporting to regulatory authorities where required by applicable law
Keeping records required by card schemes such as Visa and Mastercard

4.4 Improving Our Services

Analysing how our website is used so we can improve it
Understanding merchant needs to develop better payment solutions

5. Legal Basis for Processing Your Data

We always have a valid legal reason for processing your personal data. Depending on the purpose and the laws applicable in your country, we process data on one or more of the following bases:

Legal Basis	When We Rely On It
Contract	Processing your merchant application, setting up and managing your payment account
Legal Obligation	Identity checks, AML/CTF compliance, regulatory reporting, and mandatory record-keeping
Legitimate Interests	Fraud prevention, service improvement, and relevant business communications
Consent	Marketing emails or messages; non-essential cookies on our website

Where we rely on consent, you may withdraw it at any time without affecting anything we did before that withdrawal.

6. Who We Share Your Information With

We do not sell, rent, or trade your personal information to any third party for their own marketing purposes. Full stop.

To deliver our services, we may share your information with the following:

6.1 Acquiring Banks & Payment Processors

Your merchant application and KYC documents are shared with our global network of acquiring banks and processors so they can review and approve your account. These institutions are regulated financial entities bound by their own strict data protection and compliance requirements.

6.2 Fraud & Risk Prevention Services

We may share relevant data with fraud prevention databases, chargeback alert services, and risk monitoring platforms to protect our network and comply with card scheme rules.

6.3 Regulatory & Legal Authorities

We may disclose information to law enforcement agencies, financial regulators, or government bodies when we are legally required to do so — for example, under AML or CTF laws applicable in the relevant jurisdiction. We will only share what is necessary and legally required.

6.4 Our Service Providers

We use trusted third-party providers for IT infrastructure, communications, and analytics. These providers can only use your data to carry out services on our behalf, and they are contractually bound to keep it confidential and secure.

6.5 Business Changes

If Payfac Solutions is involved in a merger, acquisition, or sale of assets, your data may be transferred as part of that process. We will notify you in advance where possible.

7. International Data Transfers

Payfac Solutions serves merchants worldwide, and to do that effectively, data may sometimes be transferred to, stored in, or processed in countries other than your own. This is a normal and necessary part of global payment processing.

Wherever your data is transferred, we make sure it is protected. We do this by:

Only transferring data to organisations and countries that meet adequate data protection standards
Using contractual protections such as Standard Contractual Clauses or equivalent agreements recognised in your jurisdiction
Applying technical security measures regardless of where data is processed

If you would like to know more about how we protect data that is transferred internationally, please contact us at info@payfacsolutions.com.

8. Cookies & Tracking

Our website uses cookies — small files stored on your device — to make the site work properly and to help us understand how it is being used.

Type	What It Does	Your Consent Needed?
Necessary	Keeps the website working — sessions, security, basic functions	No
Analytics	Tells us which pages are popular and how visitors navigate the site	Yes
Marketing	Helps us understand which of our outreach efforts brought you here	Yes

You can manage or disable cookies at any time through your browser settings. Turning off certain cookies may affect some website features. Where the law in your country requires it, we will ask for your consent before setting non-essential cookies.

9. How Long We Keep Your Data

We keep your data only for as long as we need it — either to provide our services or to meet legal obligations. Here is a general guide:

Type of Data	How Long We Keep It	Why
Merchant application & KYC documents	Minimum 5 years after end of relationship	Required by AML/CTF laws globally
Transaction records	Minimum 5 years	Financial regulations and card scheme rules
Enquiry & contact data	Up to 3 years from last contact	Legitimate interest in following up
Marketing consent records	Until you opt out	To prove we had your consent
Website analytics	Up to 26 months	Standard analytics retention

Once a retention period ends, data is securely deleted or anonymised so it can no longer identify you.

10. How We Protect Your Data

We take the security of your personal and financial information seriously. The measures we use include:

Encrypted data transmission (SSL/TLS) across our website and services
Access controls so only authorised team members can access sensitive data
Regular review of our data security practices
Careful selection of third-party providers and assessment of their security standards

No system is completely immune to risk. If you ever believe your data with us has been compromised, please contact us immediately at info@payfacsolutions.com and we will act promptly.

11. Your Privacy Rights

Wherever you are in the world, you have rights over your personal data. The specific rights available to you depend on the laws in your country — but in general, you may have the right to:

Right	What It Means
Access	Ask us what personal data we hold about you and receive a copy
Correction	Ask us to fix information that is wrong or out of date
Deletion	Ask us to delete your data — subject to any legal obligations we have to keep it
Restriction	Ask us to limit how we use your data in certain situations
Portability	Receive your data in a format that lets you use it elsewhere
Object	Tell us you do not want us to use your data for marketing or profiling
Withdraw Consent	Change your mind about something you previously agreed to

To exercise any of these rights, simply email us at info@payfacsolutions.com with the subject: “Privacy Request.” We will respond within 30 days. In some cases, legal obligations may mean we cannot delete all of your data, and we will explain that clearly.

These rights apply globally. Whether you are based in the UK, USA, EU, Asia, the Middle East, Africa, or anywhere else — you can contact us to exercise your rights and we will respond according to the laws applicable in your country.

12. Marketing Communications

We may contact you with relevant service updates, industry news, or offers — but only where you have agreed to hear from us, or where we have a legitimate business reason to do so.

You can stop hearing from us at any time by:

Clicking the unsubscribe link in any email we send
Emailing info@payfacsolutions.com with the subject: “Unsubscribe“
Messaging us on WhatsApp: +44 7888 862159

Opting out of marketing will not affect messages about your account or application — those are essential communications.

13. Third-Party Links

Our website may contain links to external websites, partner portals, or acquiring bank platforms. We are not responsible for how those sites handle your data. We recommend you read their privacy policies before sharing any personal information with them. This policy only covers payfacsolutions.com and the services we directly provide.

14. Children’s Privacy

Our services are intended for businesses and their adult representatives only. We do not knowingly collect personal data from anyone under the age of 18. If we discover this has happened, we will delete the data promptly. If you believe a minor has submitted data to us, please let us know at info@payfacsolutions.com.

15. Changes to This Policy

We may update this Privacy Policy from time to time — for example, when we add new services, enter new markets, or when laws change. When we do:

We will update the “Last Updated” date at the top of this page
We will post the new version at payfacsolutions.com
For significant changes, we will notify you by email or a notice on our website

Continuing to use our website or services after a change means you accept the updated policy.

16. Concerns & Complaints

If you are unhappy with how we have handled your personal data, please reach out to us first. We genuinely want to resolve concerns directly and quickly.

If you are not satisfied with our response, you have the right to complain to the data protection authority in your country. Every country where data protection law applies has a supervisory body you can contact — your local government or data protection office can direct you to the right place if you are unsure.

We serve merchants globally and respect the rights given to you by the laws in your country. If you are unsure which authority covers your situation, contact us and we will help point you in the right direction.

17. Contact Us

For any questions about this Privacy Policy, or to make a data request, please get in touch: