Privacy Policy

1. Overview & Our Commitment to Privacy

Payments Marketplace (accessible at payments-marketplace.com) is operated by Payments Marketplace Ltd ("we", "us", or "our"). We are committed to protecting the privacy and security of your business and personal data. Our pre-flight assessment technology is specifically designed with privacy-first principles: pre-vetting checks run in-browser against live rules without creating public credit or underwriting decline records.

2. Data Controller Information

Payments Marketplace Ltd is the data controller responsible for your personal data under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

3. Information We Collect

We collect and process the following categories of data when you use Payments Marketplace:

• Business Profile & Operating Attributes: Industry category, country of incorporation, monthly processing volume, settlement currency, time in business, prior processing history, and chargeback ratios.
• Website & KYB Readiness Signals: Verification parameters regarding website policy disclosures (T&Cs, refund policies, SSL, billing descriptors) and document availability checklist status. If you provide a website URL, our servers fetch and review the publicly available pages of that site to verify these signals.
• Email Address: Collected when you verify your email to view pre-flight results. Your business profile is stored against this address so you can return to it later.
• Contact Information (Optional): Corporate identity details if you choose to submit an indicative profile to a chosen Payment Service Provider (PSP).
• Technical Data: Browser type, IP address, and session diagnostics for security and site reliability.

4. Pre-Flight Confidentiality & Redaction Guarantee

When performing a pre-flight check on Payments Marketplace, your profile is transmitted securely to our servers, scored against provider acceptance parameters, and stored against your verified email address. It is not shared with any Payment Service Provider (PSP) at this stage. When you elect to share an indicative profile with a PSP:

• Your legal business name, specific URL/domain, and owner identity are strictly redacted.
• Only de-identified aggregate attributes (e.g. industry class, volume band, country, and readiness scores) are transmitted alongside a randomized reference ID.

5. Legal Basis for Processing

We process your data under the following legal bases under UK GDPR:

• Legitimate Interests: To provide instant pre-flight scoring, match Merchant profiles against PSP acceptance parameters, and prevent application friction.
• Consent: Where you explicitly instruct us to forward an anonymised or identified profile to a selected Payment Service Provider.
• Legal Compliance: Where required to satisfy statutory or regulatory obligations.

6. Data Sharing & Third Parties

We do not sell your information for marketing purposes under any circumstances. Data is shared exclusively with accredited Payment Service Providers (PSPs) that you explicitly select during the application workflow.

7. Your Data Protection Rights

Under UK data protection law, you have rights including:

• Right of Access: Request copies of your personal data.
• Right to Rectification: Request correction of inaccurate data.
• Right to Erasure: Request deletion of your data.
• Right to Object & Restrict: Object to or request restriction of data processing.

To exercise any of these rights, contact us at connect@payments-marketplace.com.

8. Cookies & Analytics

Our public information pages use Google Analytics 4 to count page views and understand which pages are read. It is not loaded on the Pre-Flight Check tool, the ISO tool or the provider portal, so no analytics provider ever sees a business profile.

Analytics storage is switched off until you accept it. Until then Google receives only a cookieless signal that a page was viewed, with no cookie stored on your device and no identifier that persists between visits. If you accept, Google Analytics sets its _ga cookies to recognise a returning browser. We do not use advertising, remarketing or personalisation cookies at all.

Our legal basis for analytics cookies is your consent, which you give or refuse in the bar shown on your first visit. You can change your mind at any time using the Cookie Settings link in the footer of any page — withdrawing consent is as easy as giving it, and takes effect immediately.

Strictly necessary cookies — the session and CSRF cookies that keep you signed in and protect forms — are not covered by this choice, as the service cannot work without them.

9. Contacting Us

If you have questions regarding this Privacy Policy or our data protection practices, please reach out to us:

Payments Marketplace Ltd
Registered office: Garden Ctg, Dereham Road, Scarning, Norfolk, NR19 2PW, United Kingdom
Email: connect@payments-marketplace.com
Phone: +44 1366 727140