Privacy Policy

Last updated March 1, 2026

Circular Payments("we," "us," or "our") is committed to protecting the privacy of our merchants, their customers, and visitors to our website. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our services and visit our website at https://circularpayments.com.

Information We Collect

We collect information in the following ways:

Information you provide directly. When you create an account, apply for processing, or contact us, we collect your name, email address, phone number, business name, business address, tax identification number, bank account details, and date of birth.

Transaction data. When you process payments through our platform, we collect transaction amounts, cardholder data (handled in accordance with PCI DSS requirements), timestamps, merchant category codes, and device identifiers.

Automatically collected data. We use cookies and similar technologies to collect IP addresses, browser type, operating system, referring URLs, pages visited, and session duration.

How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our payment processing services
  • Verify your identity and underwrite your merchant account
  • Process transactions and settle funds to your bank account
  • Detect and prevent fraud, chargebacks, and unauthorized activity
  • Send you service-related communications, updates, and alerts
  • Respond to your support requests and inquiries
  • Comply with legal and regulatory obligations
  • Analyze usage patterns to improve our products and user experience

Data Sharing

We do not sell your personal information. We share data only in the following circumstances:

Service providers. We work with trusted third parties that help us operate our platform, including payment networks (Visa, Mastercard, etc.), banking partners, fraud detection services, cloud hosting providers, and analytics tools. These partners are contractually required to protect your data.

Legal requirements. We may disclose information if required by law, subpoena, court order, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business transfers. In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership.

Data Security

We take security seriously. Our platform is PCI DSS Level 1 compliant — the highest level of certification in the payments industry. We use end-to-end encryption, tokenization, and multi-factor authentication to protect sensitive data. Our infrastructure is hosted in SOC 2 Type II certified data centers with 24/7 monitoring.

While no system is 100% secure, we continuously invest in security measures and conduct regular penetration testing and audits to identify and address vulnerabilities.

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

  • Access: Request a copy of the personal data we hold about you
  • Correction: Request that we correct inaccurate or incomplete information
  • Deletion: Request that we delete your personal information, subject to legal retention requirements
  • Portability: Request your data in a structured, machine-readable format
  • Opt-out:Opt out of marketing communications at any time by clicking "unsubscribe" or contacting us

To exercise any of these rights, contact us at hello@circularpayments.com. We will respond within 30 days.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: