Privacy Policy

1Introduction

PayConcepts (“PayConcepts,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, and the choices you have when you visit our website or use our payment processing services (collectively, the “Services”).

By using our Services, you agree to the collection and use of information in accordance with this policy.

2Information we collect

We collect information you provide directly and information collected automatically when you use our Services:

• Information you provide: name, business name, email address, phone number, business address, type of business, and similar details submitted through our application, quote, or support forms.
• Business & processing information: details needed to evaluate and set up merchant accounts, such as estimated monthly card volume and current processor.
• Automatically collected information: device type, browser, IP address, pages viewed, and general usage data collected through cookies and similar technologies.

We do not knowingly collect full payment card numbers through our marketing website. Cardholder data processed through our payment services is handled in accordance with applicable card-network and PCI-DSS requirements.

3How we use information

We use the information we collect to:

• Respond to applications, quote requests, and support inquiries;
• Set up, manage, and support merchant accounts and payment services;
• Communicate with you about your account, products, and updates;
• Improve and secure our website and Services;
• Comply with legal, regulatory, and card-network obligations; and
• Detect and prevent fraud or misuse.

4How we share information

We do not sell your personal information. We may share information with:

• SMS opt-in data is never shared. None of the sharing described in this section applies to text messaging. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes, and text messaging opt-in data and consent will not be shared with any third parties.
• Service providers and partners who help us operate our business (for example, payment processors, sponsor banks, and technology providers), subject to confidentiality obligations;
• Card networks and financial institutions as needed to provide payment services;
• Legal and regulatory authorities when required by law or to protect our rights, customers, or the public; and
• Successors in connection with a merger, acquisition, or sale of assets.

5Cookies & tracking

We use cookies and similar technologies to operate our website, remember preferences, and understand how visitors use our site. You can control cookies through your browser settings; disabling them may affect some features of the site.

6Data security

We use administrative, technical, and physical safeguards designed to protect your information, including encryption in transit. No method of transmission or storage is completely secure, so we cannot guarantee absolute security, but we work to protect your information consistent with industry standards.

7Third-party services

Our website may link to or rely on third-party services (such as form-handling, analytics, or payment hardware partners). Those services are governed by their own privacy policies, and we encourage you to review them. We are not responsible for the practices of third parties.

8Your choices & rights

Depending on where you live, you may have the right to access, correct, or delete your personal information, or to opt out of certain uses. To make a request, contact us using the details below. You may also unsubscribe from marketing emails at any time using the link in those messages.

9Data retention

We retain personal information for as long as needed to provide our Services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements.

10Children’s privacy

Our Services are intended for businesses and individuals 18 years or older. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us so we can remove it.

11SMS text messaging

How you opt in. PayConcepts sends text messages only to customers who agree to receive customer care and account-related text messages, either by checking the optional SMS consent box on a form on our website or by verbally agreeing when speaking with a PayConcepts representative by phone or in person. Providing a phone number on a form without checking the SMS consent box does not opt you in to text messages.

What we send. Support replies, account updates, and equipment and setup notifications.

• Message frequency may vary, up to 10 messages per month. Message and data rates may apply.
• Reply STOP to any text to opt out. You will receive one message confirming your request and no further texts. Reply HELP for assistance, or call (888) 220-3011.
• Consent to receive text messages is not a condition of purchase.
• Mobile information and SMS opt-in data will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.
• Wireless carriers are not liable for delayed or undelivered messages.

12Phone calls

• Call recording. Calls may be recorded or monitored for quality, training, and record-keeping. By continuing the call, you consent to the recording.
• Changed numbers. If you change or give up your phone number, please tell us so we do not contact the number’s new owner.

13Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above. Material changes will be posted on this page, and your continued use of our Services constitutes acceptance of the updated policy.

14Contact us

If you have questions about this Privacy Policy or your information, contact us: