Effective Date: May 22, 2022
Last Updated: May 22, 2022
This Privacy Policy explains how Payco Enterprises, Inc. DBA Payco and its affiliated brands, divisions, service providers, and business partners, where applicable, collect, use, disclose, store, and protect information when you visit our website, contact us, request information, apply for services, use our products, or otherwise interact with Payco.
For purposes of this Privacy Policy, “Payco,” “we,” “us,” or “our” refers to Payco Enterprises, Inc. DBA Payco. “You” or “your” refers to website visitors, prospective customers, merchants, business owners, representatives, agents, partners, applicants, and other individuals who interact with us.
Payco provides payment processing, point-of-sale solutions, technology services, merchant support, business lending referral solutions, integrations, and related business services. Because many of our services involve business financial operations, merchant onboarding, payment processing, support, compliance, and technology deployment, we may collect information necessary to evaluate, provide, support, and maintain those services.
This Privacy Policy applies to information collected through our website, online forms, emails, phone calls, text messages, sales communications, service requests, onboarding processes, merchant applications, partner referrals, and other interactions with Payco.
We may collect information directly from you, automatically through our website, from business partners, from service providers, from referral sources, from payment processors, from financial institutions, and from publicly available or commercially available sources.
Depending on how you interact with Payco, we may collect:
Business Contact Information
This may include your name, business name, title, role, email address, phone number, mailing address, business address, website, and related contact details.
Merchant and Business Information
This may include business type, ownership information, federal tax ID or EIN, business license information, entity documents, processing history, current provider information, average monthly volume, average ticket, chargeback history, business bank information, business financial information, POS needs, equipment needs, software needs, and other information needed to evaluate or support services.
Application and Underwriting Information
If you apply for merchant processing, POS financing, lending-related services, or other financial products, we may collect information required by banks, processors, sponsors, gateways, vendors, lenders, or compliance partners. This may include ownership information, identification information, tax information, bank account details, financial statements, processing statements, credit-related information, and other underwriting or risk-related details.
Support and Service Information
This may include service tickets, technical issues, device information, POS setup details, network information, installation details, training requests, communications with support, screenshots, account notes, merchant preferences, and records of support interactions.
Communication Information
This may include emails, phone calls, voicemails, text messages, chat messages, meeting notes, forms submitted through the website, and any information you choose to provide when communicating with us.
Payment and Billing Information
This may include billing contact information, invoices, payment history, fees, ACH authorization information, bank account information, and records needed to administer services.
When you visit our website, we may automatically collect certain information, including:
We may use this information to improve website performance, understand user activity, protect against fraud or misuse, troubleshoot errors, improve marketing, and measure the effectiveness of our website and campaigns.
Our website may use cookies, tracking pixels, analytics tools, and similar technologies to operate the website, remember preferences, analyze website traffic, improve performance, and support marketing or advertising efforts.
You may be able to disable or control cookies through your browser settings. However, disabling certain cookies may impact website functionality.
We may use third-party analytics or advertising tools, such as website analytics providers, CRM tools, advertising platforms, or similar service providers. These third parties may collect information about your activity on our website and other websites over time.
Payco may use collected information for the following purposes:
Payco does not sell personal information for money. However, we may share information when necessary to operate our business, provide services, comply with obligations, or support merchant accounts.
We may share information with:
Payment Processors, Acquiring Banks, Sponsor Banks, ISOs, Gateways, and Card Network-Related Parties
We may share information necessary to submit applications, underwrite accounts, process transactions, manage risk, support accounts, investigate disputes, and comply with payment industry requirements.
POS, Software, Hardware, Integration, and Technology Vendors
We may share information needed to deploy, configure, support, or maintain POS systems, payment devices, software platforms, integrations, network equipment, and related technology services.
Lenders and Financing Partners
If you request lending, financing, or capital-related services, we may share information with lenders, financing partners, brokers, underwriters, or other parties involved in evaluating or providing those services.
Service Providers and Contractors
We may share information with vendors who help us operate our business, including CRM providers, cloud storage providers, email providers, marketing platforms, website hosts, IT vendors, support platforms, billing providers, legal providers, accounting providers, consultants, and other operational vendors.
Agents, Referral Partners, and Business Partners
If you were referred to Payco by an agent, partner, or referral source, or if an agent or partner supports your account, we may share information necessary to manage the relationship, provide services, calculate compensation, and support your account.
Legal, Regulatory, Compliance, and Risk Parties
We may disclose information to comply with subpoenas, legal processes, court orders, regulatory requests, audits, card brand rules, banking requirements, underwriting obligations, law enforcement requests, or other legal or compliance obligations.
Business Transfers
We may disclose or transfer information as part of a merger, acquisition, financing, restructuring, sale of assets, assignment of contracts, sale of a residual portfolio, or similar business transaction.
Protection of Rights
We may disclose information when we believe it is necessary to protect Payco, our merchants, our partners, our employees, our systems, our agreements, or the rights and safety of others.
In limited circumstances, Payco may collect information considered sensitive under applicable privacy laws, such as government identification information, financial account information, tax identification information, ownership information, or login credentials needed for setup or support.
We use sensitive information only for legitimate business purposes, including merchant onboarding, underwriting, identity verification, account support, risk management, compliance, fraud prevention, billing, and service delivery.
Payco does not use sensitive personal information to infer characteristics about individuals.
We retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, support accounts, comply with legal and regulatory obligations, resolve disputes, maintain business records, enforce agreements, and protect Payco’s rights.
Retention periods may vary depending on the type of information, the nature of the relationship, legal requirements, banking or processor requirements, card brand obligations, tax obligations, accounting requirements, fraud prevention needs, and operational requirements.
Payco uses reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, loss, or misuse.
However, no website, system, network, email transmission, or storage method is completely secure. You are responsible for protecting your own systems, credentials, devices, passwords, email accounts, and business access points.
If you believe your information or account has been compromised, please contact us immediately.
You may contact us to update your business contact information, request changes to your communication preferences, or ask questions about how your information is used.
You may opt out of marketing emails by using the unsubscribe link in the email or contacting us directly. Even if you opt out of marketing communications, we may still send you service-related, transactional, compliance, billing, account, or support communications.
You may be able to control cookies through your browser settings.
By providing your phone number or email address to Payco, you authorize Payco and its representatives to contact you regarding your inquiry, application, account, services, support, onboarding, billing, equipment, or related business matters.
Communications may include phone calls, emails, text messages, or other electronic communications. Message and data rates may apply. You may opt out of non-essential marketing text messages by replying “STOP,” where applicable. Opting out of marketing messages does not prevent Payco from sending important service, account, billing, support, compliance, or transactional communications.
Payco’s website and services are intended for businesses and individuals acting in a business capacity. We do not knowingly collect personal information from children under 13 years of age.
If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete that information.
California residents may have certain rights under applicable California privacy laws, including the California Consumer Privacy Act, as amended by the California Privacy Rights Act, where applicable.
Depending on your relationship with Payco and subject to legal exceptions, California residents may have the right to:
Payco does not sell personal information for money. If Payco engages in activities that may be considered “sharing” for cross-context behavioral advertising under California law, California residents may request to opt out.
To submit a California privacy request, please contact us using the contact information below.
We may need to verify your identity and authority before processing a request. If you submit a request on behalf of another person or business, we may require proof that you are authorized to act on their behalf.
Certain information may be exempt from deletion or access requests, including information needed to complete transactions, provide services, comply with legal obligations, detect fraud, maintain security, enforce agreements, or satisfy banking, processor, accounting, tax, legal, or regulatory requirements.
Payco may collect the following categories of personal information:
CategoryExamplesBusiness PurposeIdentifiersName, business name, email, phone number, address, IP address, tax ID, government ID where requiredContact, onboarding, underwriting, account setup, compliance, supportCommercial InformationServices requested, processing history, account activity, billing records, equipment, POS needsService delivery, billing, support, relationship managementFinancial InformationBank information, processing statements, financial records, application dataUnderwriting, merchant services, lending referrals, billing, complianceInternet or Network ActivityWebsite activity, device data, cookies, analytics dataWebsite performance, security, analytics, marketingProfessional or Business InformationRole, title, ownership information, company detailsAccount setup, authorization, support, relationship managementSensitive InformationGovernment ID, financial account information, tax information, ownership informationVerification, underwriting, compliance, fraud prevention, account administrationCommunicationsEmails, calls, text messages, support tickets, form submissionsCustomer service, support, documentation, dispute resolution
We collect and use this information for the purposes described in this Privacy Policy.
Our website, emails, proposals, or services may contain links to third-party websites, platforms, payment portals, POS providers, lenders, banks, processors, software companies, or other third parties.
Payco is not responsible for the privacy practices, content, security, or policies of third-party websites or services. You should review the privacy policies of those third parties before providing information to them.
Payco works with processors, acquiring banks, sponsor banks, gateways, card networks, ISOs, technology vendors, and other financial service providers. When you apply for or use merchant services, your information may also be subject to the privacy policies, agreements, underwriting rules, compliance requirements, and data practices of those third parties.
Payco is not responsible for the independent privacy practices of third-party processors, banks, lenders, gateways, card networks, or vendors.
If you provide information on behalf of a business, you represent that you are authorized to provide that information and to communicate with Payco on behalf of that business.
If you provide information about business owners, officers, employees, authorized users, guarantors, or representatives, you are responsible for ensuring you have the authority to provide that information to Payco.
Payco may update this Privacy Policy from time to time. When we update it, we will revise the “Last Updated” date above.
Changes are effective when posted unless otherwise stated. Your continued use of our website or services after changes are posted means you acknowledge the updated Privacy Policy.
If you have questions about this Privacy Policy, want to submit a privacy request, or need to update your information, you may contact us at:
Payco Enterprises, Inc. DBA Payco
Website: www.mypayco.com
Email: Support@mypayco.com
Phone: 1-888-908-2638
Mailing Address: 520 E Wilson Ave Suite, 210 Glendale Ca 91206
This Privacy Policy is intended to describe Payco’s privacy practices. It does not create contractual rights beyond those required by applicable law and does not modify any separate agreement, merchant application, service agreement, processing agreement, equipment agreement, financing agreement, partner agreement, or other contract between you and Payco or any third party.
I would have counsel do a final review before posting, especially because Payco touches merchant underwriting, payment processing, lending referrals, and financial information.
Accessibility: Payco is committed to making mypayco.com accessible to all users, including individuals with disabilities. If you experience difficulty accessing any part of our website, please contact us at support@mypayco.com or 1-424-230-7212 so we can assist you. Copyright © 2025 Payco - All Rights Reserved. Payco and its marks are trademarked. Payco is a registered MSP/ISO of Elavon Inc., Georgia, a wholly owned subsidiary of U.S. Bancorp, Minneapolis, N.A., MN. Payco is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA. Merchant Risk Disclosure: Payco’s direct sponsor bank relationships and registered ISO/MSP processing programs are intended for merchants that meet applicable underwriting, compliance, risk, and sponsor bank approval requirements. Payco’s primary sponsor bank programs generally support low-risk and standard-risk merchant categories. Payco does not represent that every merchant, business type, industry, product, or service is eligible for direct placement with Payco’s sponsoring banks. If Payco determines, in its sole discretion or based on sponsor bank, processor, card brand, regulatory, underwriting, or compliance guidance, that a merchant, business model, product, service, or transaction profile may be considered high-risk, restricted, prohibited, or otherwise unsuitable for direct sponsor bank placement, Payco may decline the account, discontinue the application process, or refer the opportunity to an independent third-party provider, processor, ISO, gateway, sponsor bank, or referral partner that may evaluate the merchant separately under its own underwriting, risk, compliance, pricing, contractual, and approval standards. Any such third-party referral is separate from Payco’s direct sponsor bank processing programs, and approval is not guaranteed. By submitting any form, signing up for services, requesting services, accepting a proposal, making payment, submitting a referral, applying for merchant services, conducting business with Payco, or otherwise using Payco's website, products, services, equipment, software, support, implementation, payment processing, POS, IT, PaaS, referral, partner, or related business services, you acknowledge and agree to Payco's Terms of Use, Privacy Policy, Refund and Returns Policy, SMS Terms & Conditions where applicable, Referral Submission Terms where applicable, and the Payco Service Agreement available at www.mypayco.com. The Payco Service Agreement is incorporated by reference and governs Payco's services, customer obligations, payment obligations, equipment, processing, support, compliance, cancellation, termination, and service-related matters unless Payco expressly agrees otherwise in a signed written agreement.
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