Under GDPR, the Controller is defined as the entity which, alone or jointly with others, determines the purposes and means of the processing of personal data, whilst the Processor has been defined as the entity which processes personal data on behalf of the Controller. General Data Protection Regulation (GDPR) ** in terms of configuration of the merchant website to accept card payments, I am referring here to the situation when the entire payment page is received from the acquirer and the merchant website does not store, process or transmit cardholder data and does not control how the data is collected. * in terms of personal data, I am referring here to the cardholder personal data (e.g., Cardholder name, Primary Account Number, Expiration date, amount, address, e-mail, shipment address) and not merchant data (i.e., personal data relating to merchant or its employees, officers or contractors). Also there are specific industry rules (card schemes rules) and specific payment security standards (Payment Card Industry Data Security Standard - PCI DSS) to be observed. When a customer makes a purchase using a payment card, the data travels through many different entities (acquirers, merchants, card issuers, card scheme associations, payment facilitators, other scheme member's or merchant's agents, etc). The lifecycle of a card purchase is quite complex. To determine weather an organisation is a data controller or data processor it might prove difficult, especially in the card acquiring industry. It could be confusing on the part of some organisations as to their respective roles and therefore their data protection responsibilities under GDPR. For more information, please see our Privacy Policy Page.The distinction between data controllers and data processors can have significant consequences in the real world of online card payments from many points of view.
DATA GUARDIAN AND CREDIT CARD PROCESSING FREE
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For the most accurate information, please ask your customer service representative. Pricing will vary based on various factors, including, but not limited to, the customer’s location, package chosen, added features and equipment, the purchaser’s credit score, etc. And that probably has to do with the great hardware they provide.ĭisclaimer: The information featured in this article is based on our best estimates of pricing, package details, contract stipulations, and service available at the time of writing. So despite a few concerning reviews, First Data seems to have a lot of happy clients. Other positive reviews raved about the simplicity of the system and the solid customer service. In fact, a number of reviewers said they saved a lot of money by switching to First Data. In all our searching, we didn’t find anything negative about its processing costs, which leads us to believe its pricing terms may be fair. One reviewer had a contract issue where he claimed that First Data required him to either pay a hefty termination sum or continue paying a monthly fee for two years longer than he’d thought his contract lasted.ĭespite the negative reviews, however, a number of people had a lot of good to say about First Data’s business practices. Their advice: make sure you read the contract before signing up. On most review sites First Data scores reasonably well:īetter Business Bureau: 3.2/5 from 289 user reviewsīut a number of reviewers complain about salespeople making them false promises, especially when it comes to contract terms.Īlso, some reviewers said they were told their contract lasted a certain period of time and it ended up being much longer than anticipated.
We scoured user reviews to see what other business owners are saying about First Data.
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