19 July 2024

Navigating the Cashless Crisis – GPRS Devices to Combat CrowdStrike Global Payment Disruptions

Leave a Comment / Fintech, Payments, Retail /

Today’s global web outage has brought card payments to a standstill, affecting retailers, theatres, and visitor attractions. The disruption underscores the vulnerability of our increasingly cashless society. Retailers, in particular, faced significant challenges, with many forced to revert to cash-only transactions, leading to long queues at ATMs and disgruntled customers. To mitigate the impact of […]

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Wero – The Future of European Payments

Leave a Comment / General /

Wero, a cutting-edge European payment platform developed by the European Payments Initiative (EPI), is poised to revolutionize digital transactions. With a focus on speed, security, and user-friendliness, Wero aims to become the go-to choice for both consumers and businesses across Europe. What is Wero? Wero is an innovative mobile payment solution designed to simplify and

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India’s Digital Payment Surge – Soaring to $7 Trillion

Leave a Comment / Fintech, Payments, Retail /

India’s digital payment sector is gearing up for a monumental leap, with forecasts indicating a dramatic increase to $7 trillion by 2030. This predicted growth, a doubling of current figures, reflects the country’s burgeoning digital payment ecosystem across both online and offline platforms. Digital Payment Transformation: A New Norm Recent findings from Kearney and Amazon

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A Taste of Retail’s Future – Monzo’s ATM Dispenses Sausage Roll Bliss

Leave a Comment / Retail /

Greggs and Monzo have teamed up to launch a one-day pop-up in Newcastle that offers a unique twist on traditional ATMs. This innovative machine, affectionately dubbed the ATMmmm, dispensed delicious Greggs sausage rolls to delighted customers, marking a world first in vending technology. The event, held earlier this week, saw the streets of Newcastle buzzing

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Waves of Approval for South Coast Payments, A Local Payment Provider for SME’s

Leave a Comment / Fintech, Payments, Retail /

In an era where global giants dominate the merchant services landscape, there’s something refreshingly reassuring about local firms that offer a more intimate, personalised touch. South Coast Payments (SCP) is a shining example of this, embodying the essence of local merchant services and the unique benefits they bring to businesses and communities alike. Building Local

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Mastering Payments, Ecommpay Clicks with Mastercard

Leave a Comment / Digital, Fintech, General, Payments, Retail /

Ecommpay has integrated Mastercard’s Click to Pay technology into its online payment interface across the UK and Europe, as reported by Yahoo Finance. This partnership aims to streamline the payment process for both merchants and consumers by eliminating the need for passwords and manual card entry. Click to Pay leverages user recognition, network tokenization, and

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Global Banking Disruption Investigated Following Payment Delays

Leave a Comment / General, Payments /

International financial regulators are probing a significant disruption that temporarily hindered high-value transactions, including real estate closings, around the world on July 18. Swift, the organization overseeing global financial communications, acknowledged a critical “operational incident” that led to delays in money transfers. “We deeply regret the disruption and are working tirelessly to address the issue,”

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Post-Brexit: data protection
Card processor sends sensitive data to wrong address
24 August 2022

Worldline SA subsidiary Payone GmbH has been accused of breaching data protection rules after it sent sensitive employee payroll information to the wrong address by accident. The Worldline Group holdS a 60% stake in the Frankfurt based company who have a small UK market presence.

In June 2021, one of Payone GmbH’s ex UK employees (the data subject) received a “potential data breach notification” from the firm advising him that his salary, National Insurance data, nationality (Special Category Data) was amongst various bits of information sent to an incorrect home address.

This included personal information such as the former employees name, age and address.  It also included details such as the date of birth and the amount of annual work bonus he received in his bank account amongst other identifiable data.

Payone GmbH confirmed that this document was sent out in error following an employee making a mistake when re-entering data processed by their third-party payroll provider.  The error arose when the employee was fulfilling an Article 15 GDPR request. The error was spotted by the data subject when he noticed in an email version of the document that the postal address was incorrect. An attempt to notify Payone GmbH of the error went in vain as the document was already irretrievably despatched.

The data subject was alarmed with the incident which exposed him to the possibility of fraudulent activity, amidst reasonable fears his data could end up on the dark web and used by criminals.  Habitually resident in the UK he complained to the Information Commissioner’s Office (ICO) in June 2021. He similarly raised the concern in Germany via The Hessian Commissioner for Data Protection and Freedom of Information (HBDI).

The ICO reprimanded Payone GmbH for the error in their final decision letter.
Similarly, the HBDI cited a violation of Article 5(f) of the General Data Protection Regulation (GDPR) relating to integrity and confidentiality.

The ICO stated in their July 2021 findings that Payone GmbH, “should take steps to ensure that all personal data records are accurate and up to date. Holding inaccurate information, such as addresses, does increase the risk of personal data breaches and poses risks to the security of information”.

The HBDI confirmed in their October 2021 findings that Payone GmbH had taken remedial action. They concluded that a monetary fine would not be imposed on Payone GmbH as they had taken technical and organisational steps in response to the data breach. Data subjects could now request their data in an autonomous portal.

The GDPR, which came into effect in 2018, gave the Information Commissioner’s Office greater powers to tackle data breaches. The new ‘UK GDPR’ charts its own course after Brexit whilst seeking to maintain EU GDPR adequacy.  In extreme scenarios, organisations face penalties of up to £20m or 4 per cent of their global worldwide turnover, whichever is more.

In the years prior to GDPR, the ICO fines were capped at £500,000.

The data subject said: “I am just glad I spotted it; they were going to resend the document again to another wrong address. Prior to Brexit the process would have been commenced via the ICO who in turn would liaise with the HBDI on the data subjects’ behalf; but I found myself communicating with both authorities separately which was an additional step but in the end was surprisingly
effective. Unfortunately, Payone GmbH again sent my incorrect address to the
Workers Pension Trust in January 2022, and documents yet again went to the wrong address. In my opinion they have not learned from the first time and my complaint is sitting with the ICO yet again”.

The former employee is pursuing a remedy under Article 82 UK GDPR via
the Court’s of England & Wales.

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