Payment Express is a group of companies consisting of Payment Express Limited, its affiliates, and its subsidiaries (collectively, “Payment Express”). Payment Express provides technical solutions to businesses by allowing them to process payments in e-commerce, and via physical payment devices, such as card readers.
Payment Express is committed to protecting your privacy whenever you buy goods or services from a merchant that uses Payment Express payment solutions (“Merchant”). Merchants will generally use Payment Express’ payment solutions when customer uses a credit or debit payment card over the internet, telephone, fax, unattended or integrated electronic funds transfer at the point of sale (“EFTPOS”) system (collectively “Transactions”).
Payment Express recognizes its responsibility to keep all personal information confidential at all times. Any information that Payment Express acquires in connection with such Transactions is kept confidential, whether the information is acquired directly from a cardholder or Merchant. Payment Express protects personal information - at a minimum - to the Payment Card Industry Data Security Standards (“PCI-DSS”). To learn more about PCI-DSS, please see our PCI-DSS section below, or visit the PCI Security Standards Council’s website, at: https://www.pcisecuritystandards.org/.
Please note, however, that Payment Express’ responsibility is limited to protection of information that is obtained by Payment Express. Payment Express itself cannot control the use or disclosure by your Merchant of any information that it obtains from you.
To enable Payment Express to provide secure payment facilities, we acquire information which may include a cardholder's name, credit card number (with the expiry date) and billing address. That information is collected when a card and its information is provided to a Payment Express payment solution.
Payment Express is committed to data security. Payment Express uses a variety of technologies and procedures to help protect personal information from unauthorized access, use or disclosure. For example, Payment Express stores the data in computer servers with limited access that are located in controlled facilities secured by advanced surveillance and security technology. When Payment Express transmits sensitive information (such as a payment card number), Payment Express protects it through the use of encryption, such as the Secure Socket Layer (“SSL”) protocol. Credit card details stored onsite are encrypted using 168bit 3DES encryption. Payment Express is a level 1 certified PCI-DSS compliant provider.
PCI-DSS, the Payment Card Industry Data Security Standard, is a set of security requirements relating to the protection of cardholder data. PCI-DSS is governed by the Payment Card Industry (“PCI”) Security Standards Council, an organisation put together by the major card schemes - VISA, MasterCard, American Express, JCB and Discover. PCI-DSS is relevant to any entity that stores or transmits sensitive cardholder data, which consists of information such as the PAN (card number), card security code, track data, and PIN block. Preceding PCI-DSS, the card schemes had their own standards, and the VISA Account Information Security (AIS) standard formed the basis to most of the PCI-DSS requirements. Click here to view our PCI-DSS compliance certificate.
Although we do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk and you accept all liability for such risk, to the extent legally permissible. Once we have received your information, we use strict procedures and security features to try to prevent unauthorised access.
The data that we collect from you may be transferred to and stored at a destination outside of the European Economic Area (“EEA”), including, but not limited to, in New Zealand, Australia, and the United States. It may also be processed by staff operating outside the EEA who work for Payment Express. Such staff may be engaged in, among other things, the fulfilment of your order, the processing of payment details, and the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing of your data.
Privacy Shield Principles
Payment Express Inc. is responsible for the processing of personal information it receives from individuals residing in the European Union, under the Privacy Shield Frameworks, or subsequently transfers to a third party acting as an agent on its behalf. Payment Express Inc. complies with the Privacy Shield Principles for all onward transfers of personal information from the European Union including the onward transfer liability requirements.
The United States Federal Trade Commission may investigate any violation of our commitment to the EU-US Privacy Shield. In certain circumstances, Payment Express Inc. may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
Information Shared with Commonly Owned Entities
We may share some or all of your personal information with other non-US companies under common ownership or control of Payment Express Inc., which may include our corporate parent or any other subsidiaries owned by our corporate parent in order to provide you better service and improve user experience. These include Payment Express entities in New Zealand, the United Kingdom, and in some instances, Australia. Generally, sharing such information is necessary for us to perform on our contract with you – for example, to provide technical support after normal business hours. We may provide additional notice and ask for your prior consent if we wish to share your Personal Information with our commonly owned entities in a materially different way than discussed in this privacy statement.
We may securely transfer personal data to third parties, including banks and financial institutions, for processing on our behalf. For example, when you process a payment with Payment Express, your data may be transferred to your merchant’s bank, as well as your bank. We will ensure that such data may only be processed for limited and specified purposes consistent with the consent you provided.
You, as the customer of a Merchant using Payment Express, have certain rights with respect to your personal data.
You have the right to request access and know what information is held about you. Payment Express will inform you, upon your written request to our Data Protection Officer, about the personal data it has in relation to you, how Payment Express has used it, and to whom it has been disclosed subject to certain exceptions prescribed by applicable law and regulation and provided we can authenticate your identity. You have the right to verify, update, or correct your information, and to have obsolete information removed.
You have the right to erasure, or otherwise to have your personal data deleted or removed upon written request to Payment Express. Please note that Payment Express may erase such data in a reasonable period of time, and that lodging a request to erase your data may effect some of the services Payment Express offers to Merchants.
We will not retain your Personal Information for longer than permitted by applicable law and regulation, and in no event longer than 7 years. If you have questions about our data retention policy, or about the deletion of your data, please contact us at firstname.lastname@example.org.
Any questions or concerns relating to the collection and processing of your personal data should be sent via email to the following address: email@example.com. At this email address you can also request to change your personal data, or have your personal data deleted. Payment Express will answer your request within a reasonable time. You can also send your written requests via mail to the following address: Payment Express, 31-33 Wilkinson Road, Ellerslie, Auckland 1060, New Zealand, for the attention of the Data Protection Officer. If you contact Payment Express via letter, e-mail, phone or by fax, Payment Express is storing your personal data in order to be able to answer your request, and may store your correspondence for our records.
Payment Express Inc. has further committed to cooperate with the panel established by the EU data protection authorities (DPAs) with regard to unresolved Privacy Shield complaints concerning data transferred from the EU.
If we are not able to solve your complaint in relation to our non-compliance with the EU-US Privacy Shield Framework you have the right to refer your complaint to JAMS, which we designated as our independent recourse mechanism. Mediation will be conducted pursuant to JAMS International Mediation Rules. If you wish to file a case, please refer to JAMS’ website for more information (https://www.jamsadr.com/eu-us-privacy-shield).
If independent dispute resolution has not resolved your complaint, as a last resort and under limited circumstances, EU individuals with residual privacy complaints may invoke a binding arbitration option before the Privacy Shield Panel.
As an employer, Payment Express may collect personal information of its employees including name, address, email, date of birth, bank information, work experience, and education history. This information is provided to Payment Express by its employees through an application form. In the event a conditional employment offer is made, we may share this information with third parties for the completion of background screenings, payment distribution, and enrolment in health/financial benefits. Payment Express may require such third parties to maintain confidentiality of employee personal information.