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Privacy Policy

About Us

This Privacy Policy explains how Smarter Payments Limited (“Smarter Payments,” “we,” “us,” “our”) collects, uses, shares, and protects your personal information. We are registered in England and Wales (Company Number 12855928), with our registered office at 2 Tallis Street, London EC4Y 0AB. Our commitment to data protection and privacy is central to our business. We are registered with the Information Commissioner’s Office (ICO), the UK’s data protection regulator, under registration number ZB008737.

We provide a comprehensive range of payment processing solutions—card machines (countertop, portable, Wi-Fi), PayByLink, PayByText, QR Code Payment, Recurring Payments, eCommerce integrations, and virtual terminals—designed to help businesses of all sizes manage their payments securely and efficiently. Our services are underpinned by robust payment security, continuous support, and strict adherence to data protection and privacy standards.

Our Privacy Commitment

At Smarter Payments, your privacy and the security of your personal data are our top priorities. This Privacy Policy describes how we handle your information when you visit our website, use our services, or interact with us in any way. By engaging with Smarter Payments, you agree to the terms of this Privacy Policy, our Cookie Policy, Website Terms & Conditions, and any other agreements or contracts we may have with you.

We regularly review and update this Privacy Policy to ensure compliance with the latest technology, data protection laws, and payment security standards.

Contacting Us

It is important that the personal data we hold about you is accurate and current. Please keep us informed if this information changes during your relationship with us. You can get in touch with us at Sales Support Team

Please contact us at Sales Support if you have any questions about this Privacy Policy or how we handle privacy.

You have the right to make a complaint to the ICO. However we would be happy to hear about any complaints you have at Sales Support.

Information We Collect and Hold

As a data controller, Smarter Payments determines how and why your personal data is processed. This Privacy Policy applies to all personal data collected, used, stored, or shared by us as part of our payment processing and related services.

Personal data means any information relating to an identified or identifiable individual. This includes, but is not limited to:

  • Name, date of birth, address, and contact details (email, phone number)
  • Financial information (bank account details, card details, transaction history)
  • Business information (company name, business

How We Collect information

We collect personal data directly from you and from third-party sources, including:

  • When you apply for or use our products and services (e.g., card machines, online payments, virtual terminals)
  • When you communicate with us by phone, email, SMS, or through our website and digital channels
  • When you interact with our Business Development Managers or Sales Support Team
  • When you use our website, including via cookies and similar technologies
  • From third parties such as credit reference agencies, fraud prevention agencies, banks, financial institutions, and public registries
  • Through your business relationship with us, including during onboarding, account management, and ongoing service provision

We may also collect information from joint account holders, employers, debt collection agencies, and other organisations you have a relationship with.

Why We Collect and Use Your Information

Smarter Payments collects and processes your personal data for the following purposes:

  • To provide, manage, and improve our payment processing services
  • To maintain robust payment security and data protection through encryption, tokenisation, PCI DSS compliance, and EMV-compliant solutions
  • To verify your identity and conduct due diligence for anti-money laundering and fraud prevention
  • To comply with legal, regulatory, and contractual obligations (including FCA and GDPR)
  • To communicate with you about your account, products, or services, and to provide customer support
  • To send you important updates, notifications, and marketing communications (where you have consented)
  • To conduct internal administration, risk management, and training
  • To initiate or defend legal claims and manage collections
  • To fulfil our legitimate business interests, such as protecting our commercial interests and improving our services

If you do not provide the required information, we may not be able to offer you our products or services.

Information We Collect from Different User Types 

  1. Merchants

For the purposes of data protection, we consider a physical person (as opposed to a company) that is a sole trader or individual and who registers for/uses our services or buys products from us (such as a card reader) to be a merchant. The personal data we collect from merchants to fulfil our contractual and legal obligations to you or to pursue legitimate legal interests includes:

  • Contact details (including, but not limited to, name address, phone number, email);
  • Account identification information;
  • Financial information (bank details, transaction history, credit history and credit score, information relevant to invoices issued by us to a merchant);
  • Information required to be obtained and kept by law (for example identification information); and
  • Technical and behavioural tracking data (for example IP addresses, cookies etc.).

2. Individuals Within Corporates

In the case of an executive, director, beneficial owner or authorised signatory of a corporate customer that communicates with us we will collect and process the following information:

  • Contact details (including, but not limited to, name address, phone number, email);
  • Account identification information (including Merchant ID number, password or security information);
  • Information required to be obtained and kept by law (for example identification information); and
  • Technical and behavioural tracking data (for example IP addresses, cookies etc.).

3, End-customers

For end-customers who use services provided by our merchants, we will collect and process the following information:

  • Contact details (including, but not limited to, name address, phone number, email);
  • Account identification information;
  • Financial information (including, but not limited to card details and transaction history);
  • Information required to be obtained and kept by law (for example identification information); and
  • Technical and behavioural tracking data (for example IP addresses, cookies etc.).

4. Individuals and Customer Representatives

For individuals and customer representatives contacting our customer support team or us generally, via email, telephone, SMS or any other communication channel, we will collect and process the following information:

  • Contact details (including, but not limited to, name address, phone number, email); and
  • Technical and behavioural tracking data (for example IP addresses, cookies etc.).

5. Collecting Information from Third-Parties

To ensure that the services we provide are secure and efficient we process personal data from selected third-parties. These third-party sources (and the categories of information) include:

  • Credit rating agencies;
  • Fraud detection agencies;
  • Financial institutions such as banks and card networks
  • Tax authorities
  • Publicly available registries maintained by or on behalf of national authorities

Sharing Your Information

We may need to share your information with others for the purpose of fulfilling our contractual and legal obligations to you or to pursue legitimate legal interests. We may share personal data with the following named third-parties for the following purposes:

  • e.g HMRC, FCA, ICO in relation to personal data for payment of PAYE, student loan deductions, tax code notices and related matters;
  • Credit reference and fraud prevention agency e.g. Lexus Nexus
  • Experian in relation to background checks as part of regulatory, enforcement and other requirements;
  • LexisNexis in relation to background checks as part of regulatory, enforcement and other requirements;
  • High Court and their enforcement agencies in relation to claims and enforcement action;
  • Suppliers and subcontractors who provide, for example, IT support, logistics, communication, customer support, marketing, acquiring and PCI compliance services and our business partners who we may share personal data with in order for them to provide you with information about similar goods and services (with your consent);
  • Acquiring Banks and payment partners (Trust Payments, Cashflows, WorldPay, Encoded, AIB etc)
  • Sharing your information with a party we assign our rights to, under applicable contractual arrangements; and
  • Sharing information with our funding partners in circumstances concerning our financial affairs;
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our various terms, policies and other agreements; or to protect the rights, property, or safety of us, our customers, or others.

We shall share an end-customer’s personal data with a merchant when it is to enable the merchant to fulfil the end-customer’s order and mitigate the risk of fraud and other criminal activities. The personal data will also be processed when handling potential complaints and disputes. Personal data shared with a merchant will be subject to the merchant’s data protection policy and not this Privacy Policy.

International Data Transfers 

We do not routinely transfer your personal data outside the UK or EEA. If a third party (such as a fraud protection agency) is required to transfer your information internationally, we ensure that appropriate safeguards and data protection measures are in place, as required by law.

Links to third-party websites

If our website features third-party links to and from third-party websites and you follow a link to any of these third-party websites, you should be aware that these websites have their own privacy policies and the operators of those websites will handle your information in accordance with such policies and not with this Privacy Policy. We have no control over such third-parties or their websites or privacy policies. These third-parties may contact you or permit third-parties to contact you for marketing purposes in accordance with their own privacy policies, unless you opt out of such communications.

We do not accept any responsibility or liability for third-party websites or their privacy policies. We strongly advise you to check such policies and the reputation of the website before you submit your information to, or carry out any transaction on, any third-party website.

How We Protect Your Information

We have in place a level of security appropriate to the nature of the information stored and the harm that might result from a breach of security. Your information is stored on our secure servers.

Please note that the transmission of information via the internet is not completely secure and, although we will do our best to protect your information, we cannot guarantee the security of any of your information transmitted via our website or our applications. Any transmission is at your own risk. If we become aware that the security of your information has been compromised, we will notify you by email or as otherwise required by law.

Data Retention

We retain your personal data only as long as necessary for the purposes set out in this Privacy Policy, or as required by law and regulatory obligations. This includes:

  • Keeping records for fraud prevention, financial reporting, and legal compliance
  • Retaining information after account closure or application refusal, as permitted by law
  • Continuing to collect information from credit reference agencies for legitimate business purposes

Your Rights Under Data Protection Law 

You can contact by email Sales Support Team to:

  • Ask us to send you (or someone you nominate) a copy of the information we hold about you;
  • Access your personal data with us (this is known as making a data subject request;
  • Ask us to correct or delete any incorrect or incomplete information we hold about you (we will correct any information we believe is incorrect or incomplete);
  • Ask us to stop using your information;
  • Ask us to transfer your personal data to another organisation;
  • withdraw any permission you have previously given to allow us to use your information; and
  • ask us to stop or start sending you marketing messages at any time.

We will be happy to oblige any request above unless there is a legal reason not to. We will inform you if this is the case.

Cookies and Website Tracking

Our website uses cookies and similar technologies to distinguish you from other users, provide a personalised experience, and analyse website usage. Cookies help us improve our website’s functionality and ensure secure access to our services. For more information, please review our Cookie Policy.

Other Legal Information

Children

We do not knowingly collect information from individuals under the age of 16. If you are under 16, do not register or provide information on our website. If you believe we have collected information from a child under 16, please contact us for immediate removal.

Changes to Our Privacy Policy

We may update this Privacy Policy to reflect changes in technology, data protection laws, payment security standards, or our services. Updates will be posted on this page, and continued use of our services indicates acceptance of the revised Privacy Policy.

Additional Information

  • Smarter Payments offers ongoing, continuous support and real customer service—no automated responses.
  • We use transparent pricing with no hidden fees and offer free fast payments, typically with next-day settlement.
  • Our EMV-compliant solutions and integrated payment platforms are designed to maximise security for online, phone, and mail order transactions.
  • We provide tailor-made payment solutions for businesses, ensuring each client’s privacy and payment security are respected.
  • Our privacy policy is regularly reviewed to remain up to date with the latest technology, regulatory requirements, and payment security best practices.