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Ecommerce Platform SCAYLE, Elevate Manchester United’s Digital Game

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Manchester United has taken a stride in its digital transformation by launching a new e-commerce platform powered by SCAYLE, a leading provider of digital commerce solutions. The platform aims to enhance the shopping experience for Manchester United’s massive global fan base, offering a more personalised and efficient way to purchase official merchandise. Key features of […]

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Wero vs. Visa/Mastercard – The Fight for Europe’s Wallet Heats Up

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The European payments landscape is on the cusp of a significant transformation with the emergence of Wero, a new digital wallet and instant payment solution spearheaded by the European Payments Initiative (EPI). This ambitious project, backed by a consortium of 16 major European banks and payment processors, including giants like BNP Paribas, Deutsche Bank, and

Wero vs. Visa/Mastercard – The Fight for Europe’s Wallet Heats Up Read More »

Lightspeed Commerce Explores Strategic Options Amidst Shifting POS Landscape

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Lightspeed Commerce, a prominent provider of cloud-based point-of-sale (POS) solutions for the retail and hospitality sectors, has recently announced it is conducting a strategic review, fueling speculation about a potential sale. This move comes at a time of significant flux in the POS and payments landscape, with POS systems evolving into vital tools for businesses

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Payment Firms Fight to Keep Documents Secret; The Public’s Right to Know Hangs in the Balance

Leave a Comment / AML Compliance, Fintech, Payments, Retail /

The ongoing legal dispute between Payone GmbH and a former employee-turned-whistleblower highlights concerns about the use of NON-DISCLOSURE AGREEMENTS in preventing disclosures of illegal activity. The potential unsealing of documents in a forthcoming November 2024 court appeal could offer a rare look into the dynamics of NDA negotiations and the challenges faced by individuals in

Payment Firms Fight to Keep Documents Secret; The Public’s Right to Know Hangs in the Balance Read More »

Visa Faces Antitrust Lawsuit As DOJ Alleges Debit Card Dominance Stifles Competition and Impacts Consumer Prices

Leave a Comment / AML Compliance, Employment, Fintech, General, Payments, Retail, Wellbeing /

The US Department of Justice has taken a step against Visa, filing an antitrust lawsuit that accuses the payments behemoth of leveraging its market power to stifle competition and inflate consumer prices. The heart of the DOJ’s argument is that Visa’s dominance in the debit card market, where it controls over 60% of transactions, enables

Visa Faces Antitrust Lawsuit As DOJ Alleges Debit Card Dominance Stifles Competition and Impacts Consumer Prices Read More »

How Will the CFPB’s Rule 1033 Impact Retailers Outside the U.S.?

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The Consumer Financial Protection Bureau’s proposed rule 1033 on consumer financial data rights, is set to reshape the landscape of open banking in the United States. While the rule’s primary focus is on empowering American consumers with greater control over their financial data, its implications extend to businesses worldwide, particularly those engaged in e-commerce and

How Will the CFPB’s Rule 1033 Impact Retailers Outside the U.S.? Read More »

Hibbett Elevates API and Bot Security with Cequence’s Unified Protection Platform

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Hibbett, the prominent athletic-inspired fashion retailer, has taken a significant step to bolster its digital security by adopting the Cequence Unified API Protection (UAP) platform. This strategic move aims to strengthen API security and bot management across Hibbett’s extensive online and in-store operations. In response to a critical SaaS migration to Oracle Cloud and Azure

Hibbett Elevates API and Bot Security with Cequence’s Unified Protection Platform Read More »

NN.07 Unveils First UK Store in Covent Garden

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NN.07, the acclaimed menswear brand celebrated for its commitment to sustainability and minimalist design, has marked a significant milestone with the grand opening of its inaugural UK store in Covent Garden. Nestled at 7 Earlham Street, this new location spans an impressive 125 square feet and showcases NN.07’s signature collection, featuring essential trousers, shirts, knitwear,

NN.07 Unveils First UK Store in Covent Garden Read More »

Orrick’s Tactics Fuel Ongoing Debate On NDA Abuse

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The recent article in Westminster Confidential (by David Hencke ) serves as a thought provoking and balanced critique of the Solicitors Regulation Authority (SRA) and its handling of complaints related to the misuse of non-disclosure agreements (NDAs). While acknowledging the SRA’s recent intervention in the PAYONE case, where they found a breach of professional ethics

Orrick’s Tactics Fuel Ongoing Debate On NDA Abuse Read More »

How Tokenisation is Transforming Payment Security in the Digital Age

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In an era where digital transactions are ubiquitous, the security of sensitive payment information has become paramount. With phishing schemes, compromised Wi-Fi networks, and various data breaches exposing millions of payment card numbers, cybercriminals can acquire stolen card data at minimal costs and exploit it for significant financial gains. Such breaches result in substantial losses

How Tokenisation is Transforming Payment Security in the Digital Age Read More »

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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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