Privacy Policy
CX Pay B.V. Last Updated: March 2026
1. Who We Are
CX Pay B.V. (“CX Pay”, “we”, “us”, or “our”) is a payment solutions company registered in Curaçao, Dutch Caribbean, with offices in Curaçao and Aruba. Our website address is: https://cxpay.global
We provide payment gateway services, eCommerce solutions, digital wallets, and related financial technology services to merchants and their customers across more than 200 countries and territories.
For questions about this Privacy Policy, contact us at: 📧 hello@cxpay.global 📞 +5999 844-0088 📍 Chuchubiweg 17, Solideo Building, Curaçao, Dutch Caribbean
2. What Information We Collect
From Merchants (Business Customers):
Business name, registration number, and address
Contact information (name, email, phone number)
Bank account details for settlement purposes
Identity verification documents as required by law
Transaction history and processing data
From Cardholders (End Users):
Name and billing address
Email address and phone number (when provided at checkout)
IP address and browser/device information
Transaction reference data (not raw card data — see Section 3)
Automatically Collected:
Website usage data via cookies and similar technologies
Log files, IP addresses, browser type, and referring pages
Device identifiers and session information
3. How Credit Card Data Is Handled
CX Pay does not collect, store, or process raw credit card data.
All payment card information, including card numbers, CVV/CVC codes, and expiry dates, is entered directly into secure, hosted payment fields managed by our certified third-party payment processors. These processors are certified to PCI DSS Level 1, the highest level of payment card industry security compliance.
Card data flows directly from the cardholder to the processor’s secure, certified environment and never passes through or is stored on CX Pay’s servers or those of our merchants.
CX Pay only receives a payment token — a non-sensitive reference identifier — which is used to manage and reconcile the transaction on behalf of the merchant.
The collection, processing, and storage of payment card data is governed by the privacy policies and security frameworks of our underlying payment processors, whose infrastructure is independently audited and PCI DSS certified.
4. How We Use Your Information
We use the information we collect to:
Process and facilitate payment transactions
Verify merchant and cardholder identity as required by law
Prevent fraud, money laundering, and unauthorized transactions
Comply with applicable laws, regulations, and card network rules (Visa, Mastercard)
Provide customer support and respond to inquiries
Send transactional notifications and service updates
Improve our platform, services, and user experience
Report to financial regulators and card networks where required
5. How We Share Your Information
We do not sell your personal information. We may share data with:
Certified Payment Processors: To securely facilitate and settle transactions
Acquiring Banks: The merchant’s bank that processes card transactions
Card Networks (Visa, Mastercard, Discover and American Express): As required under network rules, including the MATCH™ listing
Identity Verification Providers: For KYC (Know Your Customer) compliance
Legal Authorities: In response to lawful requests, court orders, or regulatory obligations
Service Providers: Third parties who assist us in operating our platform, bound by confidentiality agreements
We do not share personal data with third parties for marketing purposes without your explicit consent.
6. Cookies and Tracking
We use cookies and similar technologies to:
Maintain session state and login information
Detect and prevent fraud
Analyze website traffic and performance
Remember user preferences
You can control cookie settings through your browser. Note that disabling certain cookies may affect the functionality of our services.
7. Data Security
CX Pay maintains commercially reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, loss, or modification. Our security measures include:
SSL/TLS encryption for all data in transit
Secure server infrastructure
Access controls and employee confidentiality obligations
Regular security assessments
Payment card data security is managed entirely within the infrastructure of our PCI DSS Level 1 certified payment processors. CX Pay does not store, transmit, or have access to raw card data at any point.
8. Data Retention
We retain personal data for as long as necessary to:
Fulfill the purposes described in this policy
Comply with legal and regulatory obligations (typically 5–7 years for financial records)
Resolve disputes and enforce agreements
When data is no longer required, it is securely deleted or anonymized.
9. Your Rights
Depending on your jurisdiction, you may have the right to:
Access the personal data we hold about you
Correct inaccurate or incomplete data
Request deletion of your data, subject to legal obligations
Object to or restrict certain processing activities
Data portability, receive your data in a structured format
To exercise these rights, contact us at hello@cxpay.global. We will respond within 30 days.
10. International Data Transfers
CX Pay operates internationally and your data may be transferred to and processed in countries outside your own. We ensure that appropriate safeguards are in place for such transfers in accordance with applicable data protection laws.
11. Third-Party Links and Services
Our website and services may contain links to third-party websites or integrate with third-party services. This Privacy Policy does not apply to those third parties. We encourage you to review their privacy policies before providing any personal information.
12. Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us immediately.
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify users of material changes by updating the “Last Updated” date at the top of this page. Continued use of our services after such changes constitutes acceptance of the updated policy.
14. Contact Us
For privacy-related questions, requests, or complaints:
CX Pay B.V. Chuchubiweg 17, Solideo Building Curaçao, Dutch Caribbean 📧 hello@cxpay.global 📞 +5999 844-0088 WhatsApp: +5999 666-3301