This Data Processing Agreement(“DPA”) is an agreement between you and the entity you represent (“Customer” or “you”), on the one hand, and Cybersource Corporation and/or any other applicable affiliated Cybersource contracting entity(ies) ("Cybersource”), on the other hand. It forms part of any written or electronic agreement between you and Cybersource under which Cybersource Processes Personal Information on your behalf (each, an “Agreement”), except with respect to any Agreement under which you and Cybersource have entered data processing terms that address the subject matter hereof.
1 Processing of Customer Personal Information
1.1 Processor designation. The parties acknowledge and agree that with respect to the Personal Information that Cybersource Processes on behalf of Customer (“Customer Personal Information”) to provide the Transaction Services, which Processing may include, by way of example and for illustrative purposes the Processing detailed on Details of Processing Customer Personal Information (Exhibit 2), that Cybersource is a “processor” or “service provider” under Applicable Data Protection Laws acting on Customer's instructions (referred to as “Processor” for purposes of this DPA).
1.2 Authorization to Process. Processor will Process Personal Information on behalf of Customer to provide such Transaction Services, and Processor is authorized to Process Customer Personal Information solely in connection with the following activities:
1.2.1 In accordance with the applicable Agreement(s), including, without limitation, any exhibits, schedules, and applicable price schedule(s), to provide the Transaction Services, and any Processing required under applicable law or regulations;
1.2.2 Based on the instructions of Customer and in its use of the Transactions Services, Cybersource transfers Personal Information to acquiring banks, issuing banks, payment processors providing services on behalf of acquiring banks, credit/debit card companies, or service providers performing payer authentication services used by Customer, such as Verified by Visa and MasterCard Identity Check (ID Check); and
1.2.3 As reasonably necessary to enable Cybersource to comply with any other directions or instructions provided by Customer.
1.3 Controller designation: The parties acknowledge and agree that Cybersource will Process Customer Personal Information in the context of the Fraud Services as detailed in the table appended to this DPA at paragraph 2, Exhibit 2. In respect of the Processing of such Customer Personal Information for the purpose of the Fraud Services, both Customer and Cybersource shall act as “joint controllers” (as defined in the GDPR).
2 Compliance with Law. Each of Cybersource, in its provision of services to Customer, and Customer, in its use of the services, shall Process Customer Personal Information in accordance with Applicable Data Protection Law.
3 Customer obligations
3.1 Customer shall provide its End-User(s) with all privacy notices, information and any necessary choices and shall obtain any necessary consents to enable the parties to comply with Applicable Data Protection Law;
3.2 Where required by Applicable Data Protection Law, Customer shall promptly inform Processor when Customer Personal Information must be corrected, updated, and/or deleted;
3.3 Customer shall ensure that at the point of transferring Customer Personal Information to Processor, the Customer Personal Information is adequate, relevant and limited to what is necessary in relation to the Processing envisaged under the Agreement and this DPA; and
3.4 Customer shall comply (and ensure that its third party auditor’s comply) with Processors relevant security policies and appropriate confidentiality obligations as set out in the Agreement.
4 Cybersource obligations
4.1 Applicable Data Protection Law. To the extent necessary to enable Customer to comply with its obligations under Applicable Data Protection Law, Cybersource further agrees to comply with any required provisions of the GDPR Schedule (other than when acting in accordance with Section 1.2 (Authorization to Process) of this DPA) and/or CCPA Schedule, each, to the extent applicable.
4.2 Data Subject Rights. Processor will, to the extent legally permitted, provide reasonable assistance to Customer to respond to requests from End-Users to exercise their rights under Applicable Data Protection Law (e.g., rights to access or delete Personal Information) in a manner that is consistent with the nature and functionality of the Transaction Services. Customer shall submit such requests for assistance to the EBC. Where Cybersource receives any such request, it shall notify Customer and the Customer is responsible for handling such requests by an End User in accordance with Applicable Data Protection Law.
4.3 Engaging with Sub-Processors. Processor shall ensure that when engaging with another data processor including any Affiliates (a “Sub-Processor”) for the purposes of carrying out specific Processing activities on behalf of Customer, there is a written contract in place between Processor and the relevant Sub-Processor. Such written contracts, to the extent applicable to the nature of the Transaction Services provided by the relevant Sub-Processor, will provide at least the same level of protection for Customer Personal Information as set out in this DPA.
4.4 Staff. Processor shall ensure that persons authorized to Process Customer Personal Information have committed themselves to confidentiality or are under an appropriate statutory obligation of confidentiality.
4.5 Security of Processing. Taking into account the state of the art, the costs of implementation and the nature, scope, context and purposes of Processing as well as the risk of varying likelihood and severity for the rights and freedoms of natural persons, Processor shall implement technical and organizational measures to ensure a level of security appropriate to that risk. In assessing the appropriate level of security, Processor shall, in particular, take into account the risks that are presented by the Processing, in particular from unauthorized or unlawful Processing, accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to Customer Personal Information transmitted, stored or otherwise Processed. Processor shall provide reasonable assistance to Customer in ensuring Customer meets its own compliance obligations with respect to these same security measures.
4.6 Security Breach
4.6.1 In the event of an actual Security Breach (defined below) affecting Customer Personal Information contained in Processor’s systems, Processor shall (i) investigate the circumstances, extent and causes of the Security Breach and report the results to Customer and continue to keep Customer informed on a regular basis of the progress of Processor’s investigation until the issue has been effectively resolved; and (ii) cooperate with Customer in any legally required notification by Customer of affected End-Users.
4.6.2 Processor shall notify Customer without undue delay upon Processor or any Sub-Processor becoming aware of an actual Security Breach affecting Customer Personal Information, providing the Customer with sufficient information and reasonable assistance to allow Customer to meet its obligations under Applicable Data Protection Law to (i) notify a Supervisory Authority (as defined under Applicable Data Protection Law) of the Security Breach; and (ii) communicate the Security Breach to the relevant Data Subjects.
4.6.3 Notice to Customer in accordance with Section 4.6.2 of this Agreement shall be made by sending an email and/or text message to the email address and/or mobile phone number registered by Customer in the Enterprise Business Center.
4.6.4 Except as required by applicable law or regulation, the notifying party will not make (or permit any third party to make) any statement concerning the Security Breach that directly or indirectly references the other party, unless the other party provides its explicit written authorization.
4.6.5 To the extent that a Security Breach was caused by Customer or Customer’s End Users, Customer shall be responsible for the costs arising from the Processor’s provision of assistance under this clause 4.6.
4.7 Deletion and Retention. Processor shall, at the choice of Customer, delete or return all Customer Personal Information upon termination of the Agreement and delete existing copies unless storage is required by applicable law.
5 Miscellaneous. The terms of this DPA shall apply only to the extent required by Applicable Data Protection Law. To the extent not inconsistent herewith, the applicable provisions of the Agreement(s) (including without limitation, indemnifications, limitations of liability, enforcement, and interpretation) shall apply to this DPA. In the event of any conflict between this DPA and the terms of an applicable Agreement, the terms of this DPA shall control solely with respect to data processing terms where required by Applicable Data Protection Law, and, in all other respects, the terms of the applicable Agreement shall control. Notwithstanding any term or condition of the DPA, the DPA does not apply to any data or information that does not relate to one or more identifiable individuals, that has been aggregated or de-identified in accordance with Applicable Data Protection Law, or to the extent that Cybersource and you have entered separate data processing terms that address the subject matter hereof.
6 Definitions. Unless otherwise defined in the Agreement (including this DPA), all terms in this DPA shall have the definitions given to them in Applicable Data Protection Law.
6.1 “Applicable Data Protection Law” means any law or regulation pertaining to data protection, privacy, and/or the Processing of Personal Information, to the extent applicable in respect of a party’s obligations under the Agreement and this DPA. For illustrative purposes only, Applicable Data Protection Laws include, without limitation, and to the extent applicable, the General Data Protection Regulation (Regulation (EU) 2016/679 (the “GDPR”), the California Consumer Privacy Act of 2018, Cal. Civ. Code § 1798.100 et seq. (“CCPA”), and any associated regulations or any other legislation or regulations that transpose or supersede the above;
6.2 "Fraud Services" – means Cybersource's provision of its fraud prevention and risk management tool(s) as described the table appended to this DPA at paragraph 2, Exhibit 2;
6.3 “End-User(s)” means any person that purchases goods or services of Customer, whose information is submitted by Customer to Cybersource during the course of Customer using the Transaction Services hereunder;
6.4 “Personal Information” means all data or information, in any form or format, that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer (“Data Subject”) or household or that is regulated as “personal data,” “personal information,” or otherwise under Applicable Data Protection Law. For the avoidance of doubt, this includes any information relating to an End-User as defined in the Agreement;
6.5 “Process” or “Processed” or “Processing” means any operation or set of operations which is performed upon Personal Information , whether or not by automatic means, such as access, collection, recording, organization, storage, adaptation or alteration, retrieval, disclosure or otherwise making available, duplication, transmission, combination, blocking, redaction, erasure or destruction; and
6.6 “Security Breach” means a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, Personal Information. A Security Breach includes a “personal data breach” (as defined in the GDPR), a “breach of security of a system” or similar term (as defined in any other applicable privacy laws) as well as any other event that compromises the security, confidentiality or integrity of Personal Information.
SCHEDULE A CALIFORNIA CONSUMER PRIVACY ACT
This CCPA Schedule applies in addition to any terms set forth in the body of the DPA (and is incorporated therein) when the CCPA applies to your use of Transaction Services. Capitalized terms not defined herein have the meaning assigned to them under the DPA. To the extent there are any conflicts between this CCPA Schedule and the DPA, this CCPA Schedule shall prevail.
1 Cybersource shall not:
1.1 sell Customer Personal Information; or
1.2 retain, use or disclose Customer Personal Information other than as set forth in the body of the DPA, except as required or permitted by Applicable Data Protection Law.
2 When providing or making available Personal Information to Cybersource, Customer shall only disclose or transmit that Personal Information which is necessary for Cybersource to perform its obligations under the applicable Agreement(s).
3 To the extent required by Applicable Data Protection Law, this CCPA Schedule constitutes its certification to the Processing restrictions herein.
SCHEDULE B
GENERAL DATA PROTECTION REGULATION
This GDPR Schedule applies in addition to any terms set forth in the body of the DPA (and is incorporated therein) when the GDPR applies to your use of Transaction Services. Capitalized terms not defined herein have the meaning assigned to them under the DPA. To the extent there are any conflicts between this GDPR Schedule and the DPA, this GDPR Schedule shall prevail.
1 Processor Obligations
1.1 Processing of Customer Personal Information. Processor shall Process Customer Personal Information only on documented reasonable instructions from Customer (including instructions with respect to transfers of Customer Personal Information to a third country or territory, if applicable) unless Processor is required to otherwise Process Customer Personal Information by Applicable Data Protection Law. In such circumstances, Processor shall inform Customer of that legal requirement before Processing, unless prohibited from doing so by applicable law, on important grounds of public interest. Processor shall immediately inform Customer if, in Processor’s opinion, Customer’s instructions would be in breach of Applicable Data Protection Law. Customer agrees that Processor shall be under no obligation to take actions designed to form any such opinion.
1.2 Use of Sub-Processor
1.2.1 Processor shall not engage any Sub-Processor without the specific or general written authorization from Customer.
1.2.2 In the case of a general authorization, Processor shall inform Customer of any intended changes concerning the addition or replacement of other Sub-Processors to give Customer the reasonable opportunity to object to such changes. In the event Customer objects to Processor’s change or addition of Sub-Processor, Customer shall promptly notify Processor of its objections in writing within 10 business days after receipt of Processor’s notice of such change or addition.
1.2.3 Processor may, at its option, undertake reasonable efforts to make available to Customer a change in the Transaction Services or recommend a commercially reasonable change to Customer’s configuration or use of the Transaction Services to avoid Processing of Customer Personal Information by the objected-to new Sub-processor. If Processor is unable to make available such change within a reasonable period of time, which shall not exceed thirty (30) days, Customer may terminate the Agreement with respect to only those aspects of the Transaction Services, which cannot be provided by Processor without the use of the objected-to new Sub-processor by providing written notice to Processor. If the Transaction Services as a whole cannot be performed without the objected-to new Sub-Processor, Customer may terminate the entire Agreement.
1.2.4 Processor agrees not to impose a penalty for any termination under Section 1.2.3 of this GDPR Schedule on Customer. Processor reserves the right to maintain its Sub-Processor list through means such as publication of its Sub-Processor list online. In accordance with Section 1.2.1 of this GDPR Schedule, Customer provides authorization for Processor to engage with the Sub-Processors listed in the Enterprise Business Center.
2 Data Protection Impact Assessments and Prior Consultation with Regulator
2.2 Processor shall provide reasonable assistance to Customer with any legally required (a) data protection impact assessments; and (b) prior consultations initiated by the Customer with its regulator in connection with such data protection impact assessments. Such assistance shall be strictly limited to the Processing of Customer Personal Information by Processor on behalf of Customer under the Agreement taking into account the nature of the Processing and information available to the Processor.
3. Demonstrating Compliance with this DPA
3.1 Processor shall make available to Customer all information necessary to demonstrate compliance with its obligations under this DPA and allow for (and contribute to) audits, including inspections conducted by Customer or another auditor under the instruction of the Customer for the same purposes of demonstrating compliance with obligations set out in this DPA.
3.2 Customer’s right under Section 3.1 of this GDPR Schedule is subject to the following:
3.2.1 if Processor can demonstrate compliance with its obligations set out in this DPA by adhering to an approved code of conduct, by obtaining an approved certification or by providing Customer with an audit report issued by an independent third party auditor (provided that Customer will comply with appropriate confidentiality obligations as set out in the Agreement and shall not use such audit report for any other purpose), Customer agrees that it will not conduct an audit or inspection under Section 3.1 above;
3.2.2 in acknowledgement of the time, expense and disruption to business associated with performing audits and inspections involving interviews and onsite visits, Customer agrees to only conduct such audits and inspections on condition that Customer can demonstrate such audit or inspection is necessary beyond the information made available by Processor under Section 3.1 above. Such audits and inspections, shall be at reasonable intervals (but not more than once per year) upon not less than 60 days' notice and at a date mutually agreed by the Parties, provided that the audit will (i) not disrupt Processor's business; (ii) be conducted during business hours and at the Customer’s expense; (iii) not interfere with the interests of Processor’s other customers; and (iv) not exceed a period of two successive business days.
4 Cross-Border Transfers
4.1 Processor shall comply with Customer’s documented instructions concerning the transfer of Customer Personal Information to a third country or territory.
4.2 The Processor shall only transfer any Customer Personal Information outside the European Economic Area (“EEA”), the UK or Switzerland in compliance with the Applicable Data Protection Law.
4.3 Customer agrees and acknowledges that Processor transfers and stores certain Customer Personal Information (relating to individuals located in the EEA) in the United States.
4.4 The controller to processor standard contractual clauses (as set out in Commission Decision C(2010)593 dated 5 February 2010 made under Directive 95/46/EC of the European Parliament and of the Council as amended or superseded from time to time) (the "C2P Standard Contractual Clauses") apply with respect to any transfer of Customer Personal Information to Cybersource and any of its affiliated entities in the United States or other third countries and territories ("Cybersource Entities"). The parties acknowledge and agree that:
4.4.1 the C2P Standard Contractual Clauses are hereby incorporated by reference;
4.4.2 Customer and any of its commonly owned or controlled affiliates that have signed an Agreement for Transaction Services ("Customer Entities") shall be deemed to be “data exporters” for purposes of the C2P Standard Contractual Clauses;
4.4.3 the Cybersource Entities shall be the "data importer" for the purposes of the C2P Standard Contractual Clauses;
4.4.4 the Customer Entities and the Cybersource Entities shall each comply with their respective obligations in the C2P Standard Contractual Clauses;
4.4.5 if there is any conflict or inconsistency between a term in the body of this DPA, an Agreement and a term in the C2P Standard Contractual Clauses incorporated into this DPA, the term in the C2P Standard Contractual Clauses shall take precedence; and
4.4.6 the parties agree that the information in Exhibit 1 of this GDPR Schedule is incorporated into Appendices 1 and 2 of the C2P Standard Contractual Clauses.
4.5 The controller to controller standard contractual clauses (adopted by Commission Decision 2004/915/EC dated 27 December 2004 made under Directive 95/46/EC of the European Parliament and of the Council as amended or superseded from time to time) (the "C2C Standard Contractual Clauses") apply with respect to any transfer of Customer Personal Information to Cybersource Corporation in the United States, solely when Cybersource Corporation is acting as a controller for the purposes of the Fraud Services. The parties acknowledge and agree that:
4.5.1 the C2C Standard Contractual Clauses are hereby incorporated by reference;
4.5.2 Customer and any Customer Entities shall be deemed to be “data exporters” for purposes of the C2C Standard Contractual Clauses;
4.5.3 the Cybersource Entities shall be the "data importer" for the purposes of the C2C Standard Contractual Clauses;
4.5.4 the Customer Entities and the Cybersource Entities shall each comply with their respective obligations in the C2C Standard Contractual Clauses;
4.5.5 if there is any conflict or inconsistency between a term in the body of this DPA, an Agreement and a term in the C2C Standard Contractual Clauses incorporated into this DPA, the term in the C2C Standard Contractual Clauses shall take precedence; and
4.5.6 the parties agree that the information in Exhibit 1 of this GDPR Schedule is incorporated into Appendices 1 and 2 of the C2C Standard Contractual Clauses
5. Fraud Services
5.1 The parties shall, without undue delay, notify each other of any Data Subject Rights requests made by a Data Subject in relation to Customer Personal Information Processed in the context of the Fraud Services.
5.2 The parties agree that the Customer shall be the designated point of contact for the Data Subject with respect to Data Subject Rights requests and Cybersource shall reasonably cooperate with and assist Customer in the execution and fulfilment of its obligations under Applicable Data Protection Laws in relation to such requests.
5.3 The parties shall without undue delay notify each other upon receipt of any correspondence from a Supervisory Authority in respect of the Fraud Services where and to the extent permitted by applicable law.
EXHIBIT 1
INFORMATION REQUIRED FOR THE C2C and C2P STANDARD CONTRACTUAL CAUSES
Information to be incorporated into Appendix 1 of the C2P Standard Contractual Clauses | |
Category of Information Required by Appendix 1 of the C2P Standard Contractual Clauses | Information Agreed by the Parties |
Data Exporter | Customer Entities |
Data Importer | Cybersource Entities |
Data Subjects | As set out in the table in Exhibit 2 under "Categories of Data Subjects". |
Categories of Data | As set out in the table in Exhibit 2 under "Types of Personal Information". |
Special Categories of Data | Not Applicable. |
Processing Operations | As set out in the table in Exhibit 2 under "Nature and Purpose of the Processing". |
Information to be incorporated into Appendix 2 of the C2P Standard Contractual Clauses | |
Category of Information Required by Appendix 2 of the C2P Standard Contractual Clauses | Information Agreed by the Parties |
Description of the technical and organizational security measures implemented by the data importer in accordance with Clauses 4(d) and 5(c) (or document/legislation attached) | Cybersource Corporation is certified as compliant with all standards established by the Payment Card Industry Data Security Standards (together with any successor organization thereto, “PCI DSS”) that are applicable to Cybersource Corporation and its affiliates (such standards, the “PCI Standards”). As evidence of compliance, Customer may access Cybersource Corporation’s current Attestation of Compliance signed by a Payment Card Industry Qualified Security Assessor through Visa Online. Cybersource Corporation maintains and enforces commercially reasonable information security and physical security policies, procedures and standards, that are designed (i) to insure the security and confidentiality of Customer’s records and information, (ii) to protect against any anticipated threats or hazards to the security or integrity of such records, and (iii) to protect against unauthorized access to or use of such records or information which could result in substantial harm (the “Visa Information Security Program”). At a minimum, the Visa Information Security Program is designed to meet the standards set forth in ISO 27002 published by the International Organization for Standardization, as well as any revisions, versions or other standards or objectives that supersede or replace the foregoing. Cybersource Corporation engages its independent certified public accountants to conduct a review of Cybersource Corporation’s operations and procedures at Cybersource Corporation’s cost. The accountants conduct the review in accordance with the American Institute of Certified Public Accounts Statement on Standards for Attestation Engagements No. 18 SOC I Type II (“SSAE 18”) and record their findings and recommendations in a report to Cybersource Corporation. Upon request, and subject to standard confidentiality obligations, Cybersource Corporation will provide its most recent SSAE 18 and, in Cybersource Corporation’s reasonable discretion, additional information reasonably requested to address questions or concerns regarding the SSAE 18’s findings. |
Information to be incorporated into Annex B of the C2C Standard Contractual Clauses | |
Data Subjects | As set out in the table in Exhibit 2 under "Categories of Data Subjects". |
Purposes of the transfer(s) | As set out in the table in Exhibit 2 under "Nature and purpose of the processing”. |
Categories of data | As set out in the table in Exhibit 2 under "Types of Personal Information". |
Recipients | Not applicable. |
Sensitive data | As set out in the table in Exhibit 2 under "Types of Personal Information". |
Data protection registration information of data exporter | To be provided on request. |
Contact point for data protection enquiries (data importer) | [email protected] |
Contact point for data protection enquiries (data exporter) | To be provided on request. |
EXHIBIT 2
DETAILS OF PROCESSING CUSTOMER PERSONAL INFORMATION
1. Details of Processing of Customer Personal Information in respect of the Services
The table below includes certain details of the Processing of Customer Personal Information in respect of the Services as required by Article 28(3) GDPR. Each of the service descriptions below apply to the extent that Customer uses such service under the Agreement.
Service | Nature and purpose of the processing | Types of personal information | Categories of data subjects to whom the personal information relates to |
Payment gateway service | Gateway services for bank transfers, direct debits, credit/debit card authorization, settlement, authentication and credit, including processing, provision of customer support. | Cardholder and banking information, including, without limitation, card numbers, bank account numbers, name, address, phone number, e-mail address. Further detail is included in the applicable Services Documentation. |
End-Users as defined under the Agreement (including Credit card holders, bank transfer users, direct debit users, all end users whose cardholder or bank account data is submitted to Processor for processing). |
Tokenization | Tokenization is a Data Security technology which helps customers facilitate a safe transfer and storage of sensitive information. Cybersource Tokenization service replaces sensitive payment data with a unique identifier or token. This simplifies customer operations and removes sensitive data from their environment. The actual payment data is securely stored in Visa data centers within the customers token vault. | If the Customer enrolls for the Tokenization service, they can choose which Customer data to store. Cybersource can support data such as account numbers, name, billing address, shipping address, phone number, e-mail address, etc. Further detail is included in the applicable Services Documentation. |
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Authentication service | Personal Information is used to mitigate fraud on the Customer and Consumers behalf, based on the instructions of the Customer. Processor transfers (on the instructions of the Controller, Customer Personal Information to acquiring banks, issuing banks, payment processors providing services on behalf of acquiring banks, credit/debit card companies, or service providers performing Authentication service used by Reseller and/or its Customers, such as Verified by Visa and Mastercard SecureCode. | If the Customer opts to use the Authentication service, it may use Cardholder and banking information, including, without limitation, card numbers, bank account numbers, name, address, phone number, e-mail address as a part of processing the authentication request with the issuer. Further detail is included in the applicable Services Documentation. |
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Payer Authentication | Payer Authentication provides Customer with risk management and authentication services. |
If Customer opts to use Payer Authentication may use End-Users' banking information as a part of Processing the authentication request with the issuer. Further detail is included in the applicable Services Documentation. |
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Order Screening | Order Screening provides customers risk management and order review services. |
Cardholder and banking information, including, without limitation, card numbers, bank account numbers, name, address, phone number, e-mail address, as well as cardholder’s device that is used to complete Customer’s transactions (such as device fingerprint). Further detail is included in the applicable Services Documentation. |
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Performance Monitoring | Performance Monitoring is a service that provides a Customer with an expert risk analyst for consultative purposes in the fraud management space, specifically related to using Decision Manager. | A risk analyst supporting a Performance Monitoring engagement leverages the data available in the Decision Manager service. This data is used to analyze for fraud trends and give advice on how to best configure Decision Manager. Further detail is included in the applicable Services Documentation. |
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Alternative Payments | Alt Pay services for Online Banks Transfers, eWallets, Buy Now Pay Later and Cash based payments. | Name, Address, Email address, Phone Number, IBAN (optional), BIC/SWIFT (optional) |
2. Fraud Services
Types of Customer Personal Information to be Processed as part of the Fraud Services | Cardholder and banking information, including, without limitation, card numbers, bank account numbers, name, address, phone number, e-mail address, as well as cardholder’s device that is used to complete Customer’s transactions (such as device fingerprint). Customer Personal Information is used to (i) mitigate fraud on the Customer and End-User’s behalf and (ii) support the creation and enhancement of security and fraud prevention tools and models for use by Customer and any other customer of Cybersource. These models ensure that scoring in Fraud Services is kept up-to-date. |
Further detail is included in the applicable Services Documentation. |