Privacy and Security

Credit Card Payment Privacy Policy

Introduction

Direct Payment Solutions Limited or its licensors (hereinafter referred to as DPS) 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. DPS recognizes its responsibility to keep confidential at all times any information which DPS acquires in connection with such a transaction, whether directly from the Cardholders or Merchant. DPS protects personal information (at a minimum) to the Payment Card Industry Data Security Standards. Please note however; DPS responsibility is limited to protection by DPS of information which DPS obtains. DPS 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 DPS 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

DPS uses the information to obtain authorization of the transaction from the Issuing bank of the credit card and DPS'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 - DPS web based transactions management system, which allows Merchants to track transactions and process refunds.

Security

DPS is committed to data security. DPS uses a variety of technologies and procedures to help protect personal information from unauthorized access, use or disclosure. For example, DPS 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 DPS transmits sensitive information (such as a credit card numbers), DPS 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. DPS 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 organisation 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 1.2. 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."

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