Privacy Policy

Who we are?

Total Processing is a payment technology company that offers services that enable platforms and merchants to run businesses and to safely conduct online payment transactions. Total Processing is wholly owned by NomuPay Limited.

This Privacy Notice describes the types of Personal Data we collect through our products and merchant services (“Services”) and via our online presence, which include our website https://www.totalprocessing.com (our “Site”).

This notice also describes how we use Personal Data, with whom we share it, your rights and choices, and how you can contact us about our privacy practices. This notice does not apply to third-party websites, products, or services, even if they link to our Services or Sites, and you should consider the privacy practices of those third parties carefully.

Our Data Protection Manager

Total Processing have appointed a data protection manager who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact the Data Protection Manager using the details set out below. Total Processing will try and respond to all requests within one calendar month.

Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated

Email address: [email protected]

Postal Address:

Data Protection Manager

Total Processing Ltd.

111 Piccadilly, Manchester M1 2HY, United Kingdom

Alternatively, if you are dissatisfied with the way your information is handled, you have the right to lodge a complaint with a supervisory authority. In the UK, this is the Information Commissioners Office (ICO).

The Information Commissioner’s Office Wycliffe House Cheshire SK9 5AF

Helpline: 0303 123 1113 (local rate)

Email: [email protected]   

Website: www.ico.org.uk

Personal Data we collect

Under Data Protection Laws, Total Processing acts as a “data controller” and a “data processor” dependent on the activity that it performs.

Total Processing is a data controller when it determines the purposes and means of the processing taking place. These data processing activities include:

• providing Total Processing products and services;
• monitoring, preventing and detecting fraudulent payment transactions and other fraudulent activity;
• complying with legal or regulatory obligations applicable to the financial sector to which Total Processing Limited is subject, and;
• analysing, developing and improving Total Processing Limited products and services.
• Total Processing is defined as a data processor where it facilitates payment transactions on behalf of and at the direction of a Merchant.

If you are a Merchant, Total Processing will act as a Data Controller for the data we receive, such as ‘Know your Customer’ (KYC) information, and other relevant merchant information in order to manage the business relationship with you.

If you are a Consumer, it’s crucial to understand that when you engage with our services, we operate as a data processor on behalf of the merchant, who is the data controller. This means that we process your personal data as instructed by the merchant, ensuring compliance with relevant data protection regulations.

Total Processing is defined as a data processor where it facilitates payment transactions on behalf of and at the direction of a Business Merchant. Our Business Merchant’s direct us to take payment from cardholders / End Customers.

Use of Sub-Processors

Where we are a Controller and engage with our processors they may use third-party companies, known as sub-processors, to process personal data on our behalf. These sub-processors are carefully selected and are required to adhere to the same data protection obligations that we follow. We ensure that all sub-processors provide sufficient guarantees to implement appropriate technical and organisational measures in compliance with applicable data protection laws.

Data Transfers

Some of our sub-processors are located outside of the European Economic Area (EEA). When we transfer personal data to these sub-processors, we ensure that appropriate safeguards are in place to protect your data, such as standard contractual clauses approved by the European Commission or other legally recognised mechanisms.

Your Rights

You have the right to request more information about our sub-processors and the safeguards we have in place for data transfers. If you have any questions or concerns, please contact us at [email protected]

Total Processing are wholly owned by NomuPay Limited and together we function as joint controllers. For the purposes of individual rights and any controller obligations please contact Total Processing. 

We remain committed to safeguarding your privacy and continue to uphold the highest standards of data protection. For more information on NomuPay please refer to their website: https://nomupay.com/ 

a. Personal Data that we collect about you.

Total Processing may obtain Personal Data about you from various sources to provide our Services and to manage our Sites. Total Processing will generally not collect your Personal Data directly from you. If you have carried out a payment with a Total Processing Merchant, your agreement with the relevant Total Processing Merchant should explain how they share your Personal Data with Total Processing, and if you have questions about this sharing, then you should direct those questions to the appropriate Total Processing Merchant.

Personal Data is any information that relates to an identified or identifiable individual. The Personal Data that you provide directly to us through our Sites will be apparent from the context in which you provide the data. In particular:

• When you complete our online form for Total Processing Services we collect your full name, email address, telephone number.
• When you respond to Total Processing emails we collect your email address, name and any other information you choose to include in the body of your email or responses. If you contact us by phone, we will collect the phone number you use to call Total Processing. If you contact us by phone as a Total Processing Merchant, we may collect additional information in order to verify your identity.
• If you are a Total Processing Merchant, you will provide your contact details, such as name, postal address, telephone number, and email address. As part of your business relationship with us, we may also receive financial and personal information about you, such as your date of birth and government identifiers associated with you and your organisation (such as your, tax number, social security number or Employer Identification Number).
• If you are a Cardholder, when you make payments or conduct transactions through a Total Processing Merchants website or application, we may receive your transaction information. Depending on how the Total Processing Merchant implements our Services, we may receive this information directly from you, or from the Total Processing Merchant. The information that we collect will include payment method information (such as credit or debit card information, purchase amount, date of purchase, and payment method). Different payment methods may require the collection of different categories of information. The Total Processing Merchant will determine the payment methods that it enables you to use, and the payment method information that we collect will depend upon the payment method that you choose to use from the list of available payment methods that are offered to you by the Total Processing Merchant.
• When we conduct fraud monitoring, prevention and detection activities, we may also receive Personal Data about you from our partners, financial service providers, identity verification services, and publicly available sources (e.g., name, address, phone number, country), as necessary to confirm your identity and prevent fraud. Our fraud monitoring, detection and prevention services may use technology that helps us assess the risk associated with an attempted transaction that is enabled on the Total Processing Merchant’s website or the application that collects information.
• Our website is using Drift, a data privacy chatbot that connects users with our customer support. We collect personal data such as your name, email and IP address of the users who start the chat. The messages and data exchanged are stored within the drift application. For more information regarding how your data is used, please refer to their Privacy Policy. 

You may also choose to submit information to us via other methods, including:

• (i) in response to marketing or other communications,
• (ii) through social media or online forums,
• (iii) through participation in an offer, program or promotion,
• (iv) in connection with an actual or potential business relationship with us, or
• (v) by giving us your business card or contact details at trade shows or other events.

b. Information that we collect automatically on our Sites.

Our Sites use cookies and other technologies to function effectively. These technologies record information about your use of our Sites, including:

• Browser and device data, such as IP address, device type, operating system and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons and the language version of the Sites you are visiting;
• Usage data, such as time spent on the Sites, pages visited, links clicked, language preferences, and the pages that led or referred you to our Sites.

We also may collect information about your online activities on websites and connected devices over time and across third-party websites, devices, apps and other online features and services. We use Google Analytics on our Sites to help us analyse your use of our sites and diagnose technical issues.

To learn more about the cookies that may be served through our Sites and how you can control our use of cookies and third-party analytics, please see our Cookie Policy

How we use personal data

a. Our products and services.

We rely upon a number of legal grounds to ensure that our use of your Personal Data is compliant with applicable law. We use Personal Data to facilitate the business relationships we have with our Merchants, to comply with our financial regulatory and other legal obligations, and to pursue our legitimate business interests. We also use Personal Data to complete payment transactions and to provide payment-related services to our Merchants.

b. Marketing and events-related communications.

We may send you email marketing communications about Total Processing products and services, invite you to participate in our events or surveys, or otherwise communicate with you for marketing purposes, provided that we do so in accordance with the consent requirements that are imposed by applicable law. When we collect your business contact details through our participation at trade shows or other events, we may use the information to follow-up with you regarding an event, send you information that you have requested on our products and services and, with your permission, include you on our marketing information campaigns.

If you are an existing Merchant, we will contact you to promote relevant products or services directly to you via e-mail or, we will connect to you via LinkedIn and/or send you messages. If you are not yet one of our merchants, we will only contact you, for example, via e-mail or LinkedIn, with offers or about our products or services. You can opt out of future marketing campaigns by following the instructions in the e-mail or by contacting us directly via the details provided within this Privacy Notice. All data is processed in accordance with Data Protection Laws. 

c. Interest-based advertising.

When you visit our Sites or online services, we collect information about your online activities over time to provide you with advertising about products and services tailored to your individual interests (this type of advertising is called “interest-based advertising”). Where required by applicable law, we will obtain your consent prior to processing of your information for the purpose of interest-based advertising.

You may see our ads on other websites or mobile apps because we participate in advertising networks. Ad networks allow us to target our messaging to Merchants based on a range of factors, including demographic data, Merchant’s inferred interests and browsing context (for example, the time and date of your visit to our Sites, the pages that you viewed, and the links that you clicked on). This technology also helps us track the effectiveness of our marketing efforts and understand if you have seen one of our advertisements.

d. Verification Purposes.

We use personal data of existing and prospective merchants in order to verify the identity, suitability, and risks involved with maintaining a business relationship. This is legally required to cover “Anti-Money Laundering (“AML”) and Know-Your-Customer (“KYC”)” obligations.

Legal Basis for processing

We will process your personal data in the following circumstances:

Purpose	Type of Data processed	Legal Basis for processing
To facilitate and enable our relationship with you as a prospective, new or existing merchant.	Identity and contact details	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests (for running our business and to prevent fraud)
To process and execute your transaction, and other payments related activities, including:Manage payments, fees and charges Collect and recover funds for our business purposes	Identity, contact details and transaction details	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests (for running our business and to prevent fraud) Processing of your personal data for this purpose may include automated decision-making
To manage our relationship with you as a user of our website or Services, which will include: Notifying you about changes to our Service, terms or privacy policy Provide Services to you	Identity and contact details	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests (to keep our records updated and to study how customers use our products and services)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences	Technical, device and usage details	Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant and to develop our business)
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	Identity, contacts and technical details	Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security and to prevent fraud) Necessary to comply with a legal obligation
To verify existing and prospective merchants in order to verify the identity, suitability, and risks involved with maintaining a business relationship.	Identity and contact details, financial details	Necessary for our legitimate interests (for running our business and to prevent fraud) Necessary to comply with a legal obligation

How We Disclose Personal Data

Total Processing does not sell or rent Personal Data to marketers or unaffiliated third parties. We share your Personal Data with trusted entities, as outlined below.

1. Total Processing. We share Personal Data with other Total Processing entities in order to provide our Services and for internal administration purposes.
2. Service providers. We share Personal Data with a limited number of our service providers. We have service providers that provide services on our behalf, such as identity verification services, website hosting, data analysis, information technology and related infrastructure, customer service, email delivery, and auditing services. These service providers may need to access Personal Data to perform their services. We authorise such service providers to use or disclose the Personal Data only as necessary to perform services on our behalf or comply with legal requirements. We require such service providers to contractually commit to protect the security and confidentiality of Personal Data they process on our behalf. Our service providers are predominantly located in the European Union and the United States of America.
3. Business partners. We share Personal Data with third party business partners when this is necessary to provide our Services to our Business Merchants. Examples of third parties to whom we may disclose Personal Data for this purpose are banks and payment method providers (such as credit card networks) when we provide payment processing services.
4. We share data with parties directly authorised by a Business Merchant to receive Personal Data. The use of Personal Data by an authorised third party is subject to the third party’s privacy policy.
5. Corporate transactions. In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganisation, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of our business, assets or stock, we may share Personal Data with third parties for the purpose of facilitating and completing the transaction.
6. Compliance and harm prevention. We share Personal Data as we believe necessary: (i) to comply with applicable law, or payment method rules; (ii) to enforce our contractual rights; (iii) to protect the rights, privacy, safety and property of Total Processing, you or others; and (iv) to respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence.

Your Rights and Choices

You have choices regarding our use and disclosure of your Personal Data:

a. Opting out of receiving electronic communications from us.

If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, we may still send you important administrative messages that are required to provide you with our Services.

b. How you can see or change your account Personal Data.

If You would like to review, correct or update Personal Data that you have previously disclosed to us, you may do so by signing in to your Total Processing account or by contacting us.

c. Your data protection rights.

Depending on your location and subject to applicable law, you may have the following rights with regard to the Personal Data we control about you:

• The right to request confirmation of whether Total Processing processes Personal Data relating to you, and if so, to request a copy of that Personal Data;
• The right to request that Total Processing rectifies or updates your Personal Data that is inaccurate, incomplete or outdated;
• The right to request that Total Processing erase your Personal Data in certain circumstances provided by law;
• The right to request that Total Processing restrict the use of your Personal Data in certain circumstances, such as while Total Processing considers another request that you have submitted (including a request that Total Processing make an update to your Personal Data); and
• The right to request that we export to another company, where technically feasible, your Personal Data that we hold in order to provide Services to you.
• The right to object to the processing of your data where:
  • Processing is based on legitimate interests;
  • Processing involves automated decision-making and profiling; where the processing of your Personal Data is based on your previously given consent, you have the right to withdraw your consent at any time. You may also have the right to object to the processing of your Personal Data on grounds relating to your particular situation.

d. Process for exercising data protection rights.

We take each request seriously. We will comply with your request to the extent required by applicable law. We will not be able to respond to a request if we no longer hold your Personal Data. If you feel that you have not received a satisfactory response from us, you may consult with the data protection authority in your country.

We will aim to respond to your request within a calendar month unless the request needs to be extended if it’s a manifestly unfounded or excessive request but we will let you know within the first month.

For your protection, we may need to verify your identity before responding to your request, such as verifying that the email address from which you send the request matches your email address that we have on file. If we no longer need to process Personal Data about you in order to provide our Services or our Sites, we will not maintain, acquire or process additional information in order to identify you for the purpose of responding to your request.

If you are a Customer of a Total Processing Business Merchant, please direct your requests directly to them. For example, if you are making, or have made, a purchase from a business using Total Processing Services, and you have a request that is related to the payment information that you provided as part of the purchase transaction, then you should address your request directly to the merchant.

For more information in relation to Data Subject rights and how to request information please contact [email protected]

Security and Retention

We make reasonable efforts to ensure a level of security appropriate to the risk associated with the processing of Personal Data. We maintain organisational, technical and administrative measures designed to protect Personal Data within our organisation against unauthorised access, destruction, loss, alteration or misuse. Your Personal Data is only accessible to a limited number of personnel who need access to the information to perform their duties, all of which have been trained on how to handle information securely.

Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of your account has been compromised), please contact our Data Protection Manager immediately.

If you are a Total Processing Business Merchant, we retain your Personal Data as long as we are providing the Services to you. We retain Personal Data after we cease providing Services to you, even if you close your Total Processing account, to the extent necessary to comply with our legal and regulatory obligations, and for the purpose of fraud monitoring, detection and prevention.

We also retain Personal Data to comply with our tax, accounting, and financial reporting obligations, where we are required to retain the data by our contractual commitments to our financial partners, and where data retention is mandated by the payment methods that we support. Where we retain data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law.

International Data Transfers

We are a global business. Personal Data may be stored and processed in any country where we have operations or where we engage service providers. We may transfer Personal Data that we maintain about you to recipients in countries other than the country in which the Personal Data was originally collected.. Those countries may have data protection rules that are different from those of your country. However, we will take measures to ensure that any such transfers comply with applicable data protection laws and that your Personal Data remains protected to the standards described in this Privacy Policy. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access your Personal Data.

Where applicable law requires us to ensure that an international data transfer is governed by a data transfer mechanism, we use one or more of the following mechanisms: International Data Transfer Agreements (ITDA), Standard Contractual Clauses with a data recipient outside the EEA, verification that the recipient has implemented Binding Corporate Rules, or verification that the recipient adheres to the required international transfer laws.

EU Representative

As we do not have an establishment in the European Union (“EU”), we have appointed a representative based in Ireland, who you may address if you are located in the EU and wish to raise any issues or queries you may have relating to our processing of personal data and/or this Privacy notice more generally. Our EU representative is: NomuPay limited, 5th Floor Rear, Connaught House, 1 Burlington Road, Dublin 4, Dublin, Ireland . Our EU representative can be contacted directly by emailing them at the following address: [email protected]

Links to other websites

The Services may provide the ability to connect to other websites. These websites may operate independently from us and may have their own privacy notices or policies, which we strongly suggest you review. If any linked website is not owned or controlled by us, we are not responsible for its content, any use of the website or the privacy practices of the operator of the website.

Contact us

If you have any questions, please contact [email protected]

Updates to this Privacy Notice and Notifications

We may change this Privacy Notice from time to time to reflect new services, changes in our Personal Data practices or relevant laws.

Any changes are effective when we post the revised Privacy Notice on the Services. We may provide you with disclosures and alerts regarding the Privacy Notice or Personal Data collected by posting them on our website and, if you are a Business Merchant, by contacting you through your Total Processing Account Manager, email address and/or the physical address listed in your Total Processing account.

Date privacy notice last updated: September 2024