Privacy Policy

Introduction

Payment Express or its licensors  are committed to protecting your privacy as an Internet user whenever you buy goods or services from a Merchant which uses Payment Express. The Merchant will generally be using Payment Express when the cardholder is using a credit or debit card over the Internet, Phone, Fax, Unattended or Integrated EFTPOS system. Payment Express recognizes its responsibility to keep confidential at all times any information which Payment Express acquires in connection with such a transaction, whether directly from the Cardholders or Merchant. Payment Express protects personal information (at a minimum) to the Payment Card Industry Data Security Standards. Please note however; Payment Express responsibility is limited to protection by Payment Express of information which Payment Express obtains. Payment Express itself cannot, of course, control the use or disclosure by your supplier of any information which they obtain from you.


Collection of Information

To enable Payment Express to provide secure payment facilities it will typically acquire information which may include the Cardholder's name, credit card number (with the expiry date) and billing address.


Use and Disclosure of Information

Payment Express uses the information to obtain authorization of the transaction from the Issuing bank of the credit card and Payment Express's own or the Merchant's bank and to process the payment. Some details from the transaction (such as name, email and delivery address) may be made available to the Merchant or Acquirer through Payline - Payment Express web based transactions management system, which allows Merchants to track transactions and process refunds.


Security

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 the latest in surveillance and security technology. When Payment Express transmits sensitive information (such as a credit card numbers), 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

PCI DSS, the Payment Card Industry Data Security Standard is a set of security requirements relating to the protection of card holder data. The standard is governed by the PCI Security Standards Council, an organization put together by most of the major card schemes VISA, MasterCard, American Express, JCB and Discover. It's relevant for any entity that stores or transmits sensitive card holder data, that being generally things like the PAN (card number), Card security code, track data, PIN block. The current version of the standard is Version.  Preceding PCI-DSS the card schemes had their own standards, 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