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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 […]

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Stripe Strengthens Merchant of Record Capabilities with Lemon Squeezy Acquisition

Leave a Comment / Fintech, Payments, Retail /

Global payments powerhouse Stripe has acquired Lemon Squeezy, a rising star in the digital sales platform arena. The acquisition, announced on Friday, signifies a significant step in Stripe’s ongoing mission to simplify online payments and expand its services for businesses of all sizes. Founded in 2020 amidst the global pandemic, Lemon Squeezy quickly gained traction

Stripe Strengthens Merchant of Record Capabilities with Lemon Squeezy Acquisition Read More »

Wero – The Future of European Payments

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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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UnionPay International Expands Global Reach with Summer Promotion Campaign

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UnionPay International, a leading global payment provider, is bolstering its international presence with an extensive summer campaign designed to attract Chinese travelers venturing abroad. The campaign, spanning 25 countries and regions, offers cardholders a wide array of benefits, including discounts of up to 33% at participating merchants, favorable exchange rates, and cashback rewards of up

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Scamp & Dude to Open Cambridge Store This Month

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

Following a successful July with a new footwear collection and strengthened charity partnerships, the ‘force-for-good’ fashion brand Scamp & Dude continues its growth trajectory with a new retail location. A Welcoming Space in Cambridge The brand is thrilled to announce the opening of its fifth UK store in the historic city of Cambridge this month.

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Nexi and orderbird Collaborate to Launch New Payment Platform for German ISVs

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Nexi, a leading European payments company, and its subsidiary Orderbird, a provider of Point of Sale (POS) systems, have announced the launch of the Nexi Partner Portal (NPP) in Germany, according to Fintech Finance News. This new platform is designed to streamline payment processing for Independent Software Vendors (ISVs) across various industries, including retail and

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Initial Contact, Lasting Compliance – Cold Calls in the KYC / KYB Journey

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When you delve into the riveting realms of Know Your Customer (KYC) and Know Your Business (KYB) protocols, don’t overlook the unexpectedly vital role played by those often underestimated heroes: the cold callers and sales teams. Though rarely celebrated as the face of formal compliance, these front-line troops are actually key players in initiating customer

Initial Contact, Lasting Compliance – Cold Calls in the KYC / KYB Journey Read More »

Fintech in China: Integrating Payment Apps with Blockchain Growth

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Navigating the digital landscape of payments in China is an exciting journey given the plethora of options available to consumers and businesses alike. Here’s a quick rundown of the top 5 Chinese payment apps that are reshaping how transactions are conducted in the world’s most populous country: Alipay: Alipay is the kingpin of mobile payment

Fintech in China: Integrating Payment Apps with Blockchain Growth Read More »

The True Cost of Online Shopping Refunds: What Retailers Need to Know

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Online shopping may be easy, but refunding or returning stuff? That’s a whole different journey. This complexity can be likened to a passenger deciding to reverse their journey after entering a subway system. When a shopper decides to return an item, they initiate a financial transaction that is a reversal of the original. In this

The True Cost of Online Shopping Refunds: What Retailers Need to Know Read More »

Crédit Agricole and Worldline Unveil CAWL In Crowded French Fintech Market

Leave a Comment / Payments, Retail /

In a bold move within the realm of payment services, global paytech giant Worldline and leading French banking institution Crédit Agricole have joined forces to introduce CAWL, a new joint venture aimed at revolutionising merchant payment solutions in France. The unveiling of CAWL marks a significant milestone in the ever-evolving landscape of financial technology, promising

Crédit Agricole and Worldline Unveil CAWL In Crowded French Fintech Market 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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