Legal
Information, privacy, and compliance
We're a compliance-driven partner. Here's a summary of how we handle your data, our terms of service, and our security practices.
Privacy Policy
How we collect, use, store, and protect your information — and the rights you have over it.
Data Collection
We collect information you provide when you apply for an account, contact us, or use our services — including business details, contact information, and the transaction data necessary to process payments.
Data Usage
We use your information to provide and improve our services, underwrite and maintain your account, prevent fraud, comply with legal obligations, and communicate with you.
Third Parties
We share data only as needed to deliver our services — with card networks, acquiring banks, and trusted service providers — and we never sell your personal information.
Data Rights
You may request access to, correction of, or deletion of your personal information, subject to applicable law and our regulatory retention requirements.
Retention Policy
We retain records for as long as your account is active and as required by card network rules and applicable law, after which data is securely deleted or anonymized.
Terms of Service
The terms that govern merchant accounts, acceptable use, fees, and dispute resolution.
Merchant Obligations
Merchants agree to provide accurate information, comply with card network rules and applicable laws, and maintain the security of their account credentials.
Prohibited Activities
Accounts may not be used for illegal transactions, prohibited business categories, or activities that violate card network rules or our acceptable use policy.
Billing & Fees
Processing fees are billed according to your agreed interchange-plus pricing. There are no setup fees, and any applicable charges are disclosed transparently.
Termination
Either party may terminate the agreement with appropriate notice. We ask for 30 days' notice to close an account; outstanding obligations survive termination.
Dispute Resolution
Disputes are handled in good faith — first through direct resolution and, where necessary, through the mechanisms described in your merchant agreement.
Compliance & Security
The PCI, regulatory, and security measures that keep your data and your customers safe.
PCI-DSS Compliance
SalenPay maintains PCI-DSS compliance across our processing environment to protect cardholder data at every stage.
Encryption & Tokenization
Sensitive data is encrypted in transit and at rest, and card details are tokenized so they never need to touch your servers.
Fraud Prevention
We apply continuous monitoring, machine-learning risk scoring, and configurable rules to detect and prevent fraudulent activity.
Regulatory Compliance
We adhere to applicable AML, KYC/KYB, and consumer-protection regulations, and update our controls as requirements evolve.
Audit & Monitoring
Our systems are continuously monitored and independently audited to uphold high standards of security and reliability.
This page is a plain-language summary. For full policy documents or specific questions, please contact our team.