Every payment method.

One integration.

Accept whichever payment method your customers prefer without dealing with countless Payment Providers.


Want to know more?

It’s not only about cards.

Cards are not the only way to pay for online transactions. In fact, there are over 200 different types of Alternative Payment Methods (APM) in the world of eCommerce. In many countries, APMs are preferred over card payments, so by supporting the right payment method mix per country you’ll be able to drive conversions. Most APMs provide real-time payment confirmation, without any chargeback risk and lower transaction fees.

    amount: '10',
    currency: 'EUR',
    instrument: {
        type: 'card',
        name: 'John Doe',
        number: '4111111111111111',
        expirationMonth: 12,
        expirationYear: 2016,
        cvv: '007'
}).then(function successFn(result){
    alert('charge successful!');

    amount: '10',
    currency: 'EUR',
    instrument: {
        type: 'sofort',
        country: 'DE'
}).then(function successFn(result){
    alert('charge successful!');

    amount: '10',
    currency: 'EUR',
    instrument: {
        type: 'ideal',
        country: 'DE',
        bank: 'ABN'
}).then(function successFn(result){
    alert('charge successful!');

    amount: '10',
    currency: 'EUR',
    instrument: {
        type: 'paypal'
}).then(function successFn(result){
    alert('charge successful!');

    amount: '10',
    currency: 'EUR',
    instrument: {
        type: 'giropay',
        bic: 'TESTDETT421',
        iban: 'DE14940593100000012346'
        country: 'DE'
}).then(function successFn(result){
    alert('charge successful!');

    amount: '10',
    currency: 'EUR',
    instrument: {
        type: 'alipay'
}).then(function successFn(result){
    alert('charge successful!');

One integration fits all.

Stop wasting time dealing with multiple payment providers. Our unique single integration flow enables developers to plug multiple payment methods in record time.

Tired of arcane iFrames or Plugins? Switch.js lets you control every pixel of the experience.

There are Switch libraries in every mainstream programming language, and we’re always adding more.

> Checkout our APIs

Seamlessly integrated mobile payments.

Switch maximizes the user experience on all relevant mobile channels — both native apps and mobile websites.

You can use our native iOS & Android libraries to accept any payment method in your mobile apps.

End-to-end security and compliance.

Our operation is compliant with the strictest PCI Data Security Standards, so by using Switch's libraries for the web or the mobile, you're one step closer to meet PCI requirements.

No sensitive data hits your servers, saving you hours of security headaches.

Accept payments from anywhere, in over 150 currencies.

Switch is currently available for businesses in 44 countries: the US, Canada, Europe and many Asian territories — and we’re expanding. If your business is incorporated in one of our supported countries, you’ll be able to accept payments from customers anywhere in the world.

> Checkout our list of accepted incorporation countries

About Switch

Empowering online commerce.

Switch enables businesses to accept payments online. Our mission is to empower online commerce by providing the tools necessary to deliver frictionless transactions. From small e-commerce shops to multi-million online platforms, from part-time hobbyists with no technical background to full stack developers, we help businesses in 40+ countries to go global by facilitating the exchange of funds in 150+ currencies.

Delivering fast, simple, convenient, trustful and secure payment experiences is a key-factor to boost conversion, hence fueling ecommerce growth. Switch uses state of the art technology to achieve exactly this.

Switch believes in the power of the individual to create great things. When you combine this with real team work, an open culture and the incentive to make bold decisions, you unlock a potential path to innovation an real impact.

We care about customers.

Switch is defined by our insistence on providing an unparalleled customer experience. All of our team members are charged with bringing creativity, honesty, and intellectual rigor to their responsibilities in a never-ending quest to delight our customers. We have high expectations of each other and work as a team to build things we are all proud of.

Would you like to join us? Just drop us a word at jobs@switchpayments.com


Switch Pricing Calculator

If you want to get a sense of how much you'd be charged per transaction, you can input your most common use case in the following pricing calculator.

Processing fee


Payment method fee


Please note that card fees depend on a considerable amount of variables and may change over time.

How we calculate our pricing

Our processing rate is structured as the sum of the following fees:

  1. Processing fee—which represents a fixed amount charged on every transaction; and
  2. Payment method fee—which is dependant on the payment method used.

1.Processing fees

Switch charges a processing fee per transaction as follows. We’ll invoice you a minimum of 1000 transactions each month.

Monthly Transactions Processing Fee
0 - 2.500€ 0.095
2.501 - 12.500€ 0.090
12.501 - 50.000€ 0.085
50.001 - 200.000€ 0.080
200.000 +€ 0.075

2.Payment method fees

On top of our processing fee, we charge the following values per payment method.

Payment Method Type Coverage Price
Visa Credit Card Worldwide Interchange++
V Pay Debit Card Europe Interchange++
Mastercard Credit Card Worldwide Interchange++
Maestro Debit Card Worldwide Interchange++
American Express Credit Card Worldwide Pass through
AliPay Wallet China 3%
7-Eleven Post-Payment Mexico 4.25%
Bankcontact / MisterCash Online Bank Transfer Belgium 1.5% (minimum of €0.50)
Baloto Post-Payment Colombia 4.25%
Boku Carrier Billing 60+ countries Pass through + 4%
Boleto Post-Payment Brazil 4.25%
Cabal Credit/Debit Card Argentina 5.10%
CartaSi Credit Card Italy Interchange++
Cartes Bancaires Debit Card France Interchange + €0.50
Daopay Carrier Billing 80+ countries Pass through + 4%
Elo Credit/Debit Card Brazil 5.10%
Entercash Online Bank Transfer Europe €1.00
EPS Online Bank Transfer Austria 1.8% (minimum of €0.50)
Giropay Online Bank Transfer Germany 1.8% (minimum of €0.50)
Hipercard Credit Card Brazil 5.10%
iDEAL Online Bank Transfer The Netherlands €0.35
JCB Credit Card Japan 3.75%
Klarna Post-Payment Europe Pass through
MB WAY Online Bank Transfer Portugal 1.3% + €0.10
MercadoPago eWallet Latin America 4.25%
Multibanco Post-Payment Portugal €0.70
OneCard eWallet MENA region 8.5%
Oxxo Post-Payment Mexico 4.25%
P24 Online Bank Transfer Poland 2.5%
Pago Fácil Post-Payment Argentina 4.25%
Paypal eWallet Worldwide Pass through + 0.2%
paysafecard Pre-Payment Europe and LATAM 10%
Paytrail Online Bank Transfer Finland 2.25% + €0.30
POLi Online Bank Transfer Australia, New Zealand 2.1%
PostFinance Online Bank Transfer Switzerland Pass through + € 0.10
Presto Credit Card Chile 5.10%
Rapipago Post-Payment Argentina 4.25%
Ripley Credit Card Chile 5.10%
SEPA Direct Debit Direct Debit SEPA Countries 1% (minimum of €0.35)
SOFORT Online Bank Transfer Europe 1.5%-2.8% (depending on industry)
Tarjeta Naranja Credit Card Argentina 5.10%
Trustly Online Bank Transfer Europe 1.85%-3.25% (depending on industry)
Trustpay Online Bank Transfer Central and Eastern Europe 2.2% + €0.35
Yandex eWallet Russia, CIS, Ukraine 4.25%-8.25% (depending on industry)
OC/PT Payout Worldwide €2.50
SEPA Bank Transfers Payout SEPA countries €0.20


The fees paid on each credit/debit card transaction (Visa, V-PAY, Mastercard, Maestro) can be split into 3 main components:

  1. Interchange fee—paid to the customer's bank to cover the risk of the transaction and determined by the card type, card name, region and entry method;
  2. Card scheme fee—paid to the card brand such as Visa or MasterCard; and
  3. Acquirer markup—paid to the Acquiring bank to cover its costs.

Because interchange fees and card scheme fees can vary significantly, we choose to operate under an interchange++ pricing model (interchange fee + card scheme fee + acquirer markup). All this elements are already taken into account in our Pricing Calculator, so you can use it to see how the processing fee is impacted in each use case. The applicable acquiring bank markup will be charged as follows:

Monthly Card Turnover Acquirer Markup
€ 0 - € 75.0000.79%
€ 75.001 - € 300.0000.76%
€ 300.001 - € 1.200.0000.73%
€ 1.200.001 - € 4.800.0000.71%
€ 4.800.001 +0.68%

You'll have full access to our cross-platform tools - from our powerful suit of APIs, Switch Checkout and Dashboard, to our risk and analytics management features.

International Cards

Accept major international debit or credit cards, including Visa, MasterCard, Maestro, American Express, V-Pay, JCB, Diners Club, Cartes Bancaires and Dankort.

Other currencies

You can accept payments in 150+ currencies. Fees remain the same, but conversion incurs an extra 2% fee atop market exchange rates.

Refunds & chargebacks

Refunds will be charged 1 EUR each. Switch actively works to prevent fraudulent charges, but there is a 15 EUR fee for chargebacks and 5 EUR fee for retrievals.

Free risk management

Your online payments are monitored by pattern recognition and a rule engine, calculating risks based on complex algorithms, updated with the latest trends in financial crime.

Customer support

Right by your side whenever there's an issue. Get in touch with our team of engineers by email, We'll respond as quickly as possible, and almost always in less than 24 hours.

Any Questions? Just drop us a word at sales@switchpayments.com

General Terms of Service

1. Service Offer

SWITCH PAYMENTS RPRA, Lda. (hereinafter - Switch) is a technical service provider in the field of electronic processing of cashless payments via credit card on the Internet. For this purpose, Switch has developed a software (hereinafter - Switch Application), which can be accessed by the contractual party (hereinafter - Merchant) on the Internet to initiate credit card transactions. The important functionality of the Switch Application is to receive the transaction data collected by or through the Merchant and to forward it to the respective third party, agreed on by the parties, who acquires credit card transactions, remits payments and provides reconciliation on behalf of the Merchant (hereinafter - Acquirer). Switch does not enter into possession of the funds to be transferred.

The Switch Application can be accessed by means of an application service providing via a data processing interface established by Switch for this purpose (hereinafter - interface). The Merchant's data processing systems are connected to the interface by the Merchant in accordance with the documentation about the Switch Application available at www.switchpayments.com (hereinafter - documentation). The Switch Application, the interface, and the documentation will be referred to collectively as the Switch Platform.

2. Subject Matter of the Agreement

2.1 The subject of this contract is to provide the Switch Platform to the Merchant in accordance with this agreement. The Switch Platform has the functionality described in the documentation. The interconnection point for the data to be transferred between the parties is the address of the interface function on the Switch Platform in the data processing center.

2.2 The connection of the data processing systems used by the Merchant to each of the Internet and the interface is not part of the services to be provided by Switch and falls within the sole responsibility of the Merchant.

2.3 Switch's service obligation is limited to the forwarding of data provided via the Switch Platform, in unchanged form, to the respective Acquirer and forwarding of data received from the Acquirer for the Merchant, in unchanged form, to the Merchant. Switch is allowed to involve a third party for the provision of its services. Switch is not responsible for the accuracy and completeness of the data to be transmitted.

3. Right of Use

3.1 The Merchant receives the right of use to the Switch Platform limited to the duration of the contract, territorially restricted to the country of incorporation, which is non-exclusive, non-sublicensable, non-transferrable and non-assignable. The right of use is valid for access to the platform via the Internet and for use of the functionalities associated with the Switch Platform in accordance with the regulations of this contract and the documentation. The Merchant shall be entitled to use the documentation solely for the connection of the utilized data processing system to the Switch Platform and to store the data transmitted to the Merchant via the Switch Platform on its data processing system or a data processing system of a third party authorized by the Merchant.

3.2 The right of use granted to the Merchant by Switch is limited exclusively to the processing of cashless payments via credit card on the Internet. However, the processing of credit card sales requires that the Merchant has respective agreements with Acquirers, which entitle the Merchant to accept credit cards for payments. Such right is not granted hereby; it can only be agreed separately between the Merchant and one or more Acquirers.

3.3 The Merchant shall not,

3.3.1 reverse engineer an object code form of a part of the Switch Application;

3.3.2 provide to third parties the rights of use to the Switch Platform as well as to the individual elements of the Switch Platform, whether by renting, lending or by granting sub-licences, unless Switch has previously approved this explicitly in writing.

3.4 Rights other than those mentioned in these conditions are not granted. Paragraph 7 of these terms and conditions shall remain unaffected.

4. Updates / New Releases

4.1 Switch is entitled, at any time, even without the consent of the Merchant, to make or order changes to the Switch Platform (updates and/or new releases). These changes should be created by Switch in such a way as to not limit the contracted services.

4.2 The Merchant shall be obligated to install immediately the provided changes to the Switch Platform (updates and/or new releases) to guarantee the contracted services.

5. Warranty and Liability

5.1 Switch warrants to the Merchant that it is authorized to grant the use set forth in this agreement to third parties. The Merchant shall ensure that the Switch Platform is used solely in accordance with this agreement. Switch points out that for technical reasons it is not possible to ensure continuous system availability. Switch is not liable for errors resulting from the provision of telecommunication and/or Internet while establishing the connection to the Switch Platform (for example, as a result of line overload).

5.2 The warranty of Switch is limited to fixing interface defects by rectification. Switch is liable only for the replacement of data if the Merchant has ensured that these data can be reconstructed from data material with reasonable effort. Switch's liability is excluded if damage is related to the use of interface information that is out of date or has been inadmissibly changed as compared to the original interface version, or related to the interrupted connection to the Switch Platform, unless the Merchant can prove that the interruption is based on circumstances Switch is responsible for.

5.3 Switch is not liable for the accuracy and completeness of data submitted by the Merchant, Acquirers and other third parties, and/or taken from public directories, and for data managed by it or any third party. The foregoing limitation of liability applies particularly to information with incorrect or incomplete content, auditory errors, input errors, transfer and transmission errors, identity confusion, especially in consequence of incomplete personal data, incorrect or incomplete information as a result of technical defects, and restrictions or failure of the readiness to provide information for technical reasons.

5.4 The relevant Acquirer shall be solely responsible to transfer the the amount due and payable by the Acquirer to the Merchant pursuant to the separate agreement concluded directly between the Merchant and such Acquirer, and under no circumstances Switch shall have any obligation to make remittances to the Merchant;

5.5 Switch cannot pro-actively ascertain whether there are any errors in the settlements made by the relevant Acquirer. Therefore the Merchant shall notify Switch, within five (5) business days following the date of such transactions, if there is any discrepancy between the settlements the Merchant actually received and those which Merchant expected to receive. Switch cannot be held responsible to repair nor does it accept to be liable for any loss or damage relating to any of these discrepancies, whether or not such notice was timely given.

5.6 In all other cases, Switch is liable for intent and gross negligence in full scope. For other negligent actions, Switch is liable solely for damage due to the breach of material obligations, which endangers the achievement of the purpose of this agreement and/or the performance of which enables the proper implementation of this agreement and/or on which the Merchant may rely regularly (cardinal obligations).

In the event of a breach of cardinal obligations, Switch's liability for simple negligence is limited to damages which are typical in relation to this agreement and foreseeable at the time this agreement was concluded.

5.7 Switch is not liable for damages that occur by force majeure, riots, war and natural events or by other circumstances that Switch is not responsible for (e.g. strikes, lockouts, disruptions of transit, official or administrative orders domestically and abroad).

5.8 Switch's liability for loss of profit is excluded. This does not apply in the case of deliberate actions by Switch.

6. Fees

The respective contractual rules regarding costs and fees apply. The Merchant may only set off undisputed or legally established claims against claims of Switch. The exercise of a right of lien by the Merchant is excluded. Changes of fees shall be communicated to the Merchant in a timely manner and come into effect for the next billing date after the receipt of the notification of the change. If the Merchant notifies of the cancellation of the contractual relationship prior to that date in accordance with the contractual cancellation provisions, the unchanged costs and fees shall apply to the remaining contract period.

7. Obligations of the Merchant

7.1 The Merchant will refrain from obtaining, itself or through unauthorized third parties, information or data without authorization or intervening in or allowing others to intervene in programs operated by Switch or invading networks of Switch without authorization.

7.2 The Merchant shall be obligated to inform its customers that its services are charged through the Acquirer. Should the customer or contract partner make claims against Switch arising from the billing relationship, the Merchant shall indemnify Switch from all claims or demands internally.

7.3 The Merchant shall be obligated to manage passwords and login details for the Switch Platform in a secure and confidential manner. The Merchant is not permitted to disclose such information or make it available to third parties. If passwords or login data are used by unauthorised persons, the Merchant is liable for use contrary to this agreement and any damages or losses caused thereby.

7.4 The Merchant shall be obligated to specify all the information requested at the time this agreement is concluded truthfully and completely and to designate a valid and accessible e-mail address to receive messages from Switch during the contractual relationship. This includes details of changes of the Merchant master data (bank data, company form, address, contact information, company data) as well as changes of these terms and conditions. The Merchant has to inform immediately of any change of e-mail address. If the Merchant fails to do so, Switch is not responsible for any difficulties and disadvantages of the Merchant.

7.5 The Merchant undertakes to notify Switch without delay of the intended suspension of its services, as well as impending insolvency.

7.6 The Merchant undertakes to protect its licensing data (public/private key) and not to pass it on to third parties.

8. Third-party Claims

8.1 The Merchant shall immediately inform Switch of any knowledge about the possible infringement of proprietary rights. Also, Switch will immediately inform the Merchant of any copyright infringement. If claims are made or to be expected against the Merchant, Switch can change or replace the Switch Platform at its cost to an extent reasonable for the Merchant. If this or the obtaining of a right of use is not possible with reasonable effort, the contracting party may terminate the agreement extraordinarily in writing without any notice.

8.2 The Merchant agrees to indemnify Switch and hold Switch harmless for any and all costs (including legal fees) and damages incurred by Switch from all possible claims of third parties based on illegal or non contractual acts of the Merchant or content errors in information provided by the Merchant or concerning the Internet domain used by the Merchant. This applies in particular to copyright, trademark, privacy, security, antitrust infringements and other violations of statutory provisions or rules and regulations of institutions.

9. Adherence to legal provisions

9.1 The Merchant undertakes to strictly adhere to statutory provisions in its offers. It will not offer any illegal content. In particular, it will not offer any content, services, or similar in respect to unauthorized organization of gambling, proliferation of the glorification of violence and distribution, acquisition and possession of child pornography publications.

9.2 The Merchant is further obliged not to publish any wrong or misleading information about its offer, in particular when offering paid services on the Internet, to designate them accordingly and not to offer them as "free content". Furthermore, the Merchant is obliged not to spam.

9.3 In the case of violations of the above provisions, Switch is allowed to cancel the contractual relationship with the Merchant at any time without any notice period and to interrupt the connection to the Switch Platform without prior notice. In the event of a breach of the above provisions, the Merchant shall be liable to Switch for the resulting damages and has to indemnify Switch in the internal relationship from any claims of third parties.

10. Duties of Confidentiality and Data Protection

10.1 The Merchants and Switch undertake to maintain both secrecy and confidentiality with respect to customer information of the other party. The parties further undertake to keep all of the data and information known as a result of the contractual business confidential, to use only in the context of the existing contract, and not to make accessible to third parties. This does not cover situations in which the respective party is legally obliged to transfer the data.

10.2 Switch is allowed to release the name or business name of the Merchant to third parties as a reference. This applies in particular to the announcement of the offer of the Merchant with the logo of the Merchant and the mention of its name or company name on websites, in brochures and other documents of Switch. However, this does not result in any publication obligation for Switch. If the referencing or disclosure should not occur, the Merchant must inform Switch in writing or by e-mail. The obligation of secrecy in 10.1 remains unaffected.

10.3 The parties further undertake to ensure adequate data protection within the meaning of the applicable data protection regulations and to maintain, as well as to ensure the confidentiality, availability, and the correctness of the data. In particular, the parties are obliged to protect their computer systems against unauthorized and accidental destruction, accidental loss, counterfeiting, theft, unlawful use, unauthorized change and copying of data, unauthorized access to the data and other unauthorized edits, as well as against technical failure adequately in accordance with latest technology standards.

11. Duration of the Contract

This agreement has an indefinite term and can be terminated by both parties at any time. The right to extraordinary termination for important reason remains unaffected. Switch is entitled thereto, in particular in the event of unauthorized interventions of the Merchant in the Switch Platform and violation of the obligations referred to in paragraph 3.3. At contract termination, the Merchant has to stop using the Switch Platform and return the documentation provided. For the duration of the contract and the period afterwards, Switch and the partners undertake to treat all received data according to the applicable data protection provisions.

12. Contract Changes

Switch is allowed for the purposes of simplifying and accelerating its business in view of the multitude of contracts with Merchants to change this contract, as well as the documentation by unilateral declaration to the Merchant in writing or in text form. The change becomes effective when the Merchant does not object to the change declaration within two (2) weeks after its receipt. Switch undertakes to instruct the Merchant in the event of change declaration about the special significance of the Merchant’s behavior after receipt of the declaration.

13. Miscellaneous

13.1 The presentation of the services of Switch on the Internet does not represent a binding offer from Switch. This agreement is concluded upon its signature by both parties or, in the event of online conclusion, upon confirmation by the Merchant in the provided place for acceptance of these terms and conditions and after corresponding confirmation from Switch.

13.2 Switch has the right to involve third parties in the the performance of its obligations arising from this agreement. Switch may require that certain processing steps are carried out directly through such third parties, completely or partially. The Merchant is not allowed to involve third parties in the performance of the duties under this agreement without the express written consent of Switch.

13.3 Supplementary agreements, changes or additions must be made in writing or in text form, in cases specified herein, to be effective.

14. Severability Clause

14.1 Should one or several provisions of these general terms and conditions be or become invalid or prove to be unenforceable, this shall not affect the validity of the other provisions. In this case, the contracting parties shall replace the invalid or unenforceable provision by another provision that comes closest to the economically intended purpose. The same applies in the case of a regulatory gap.

14.2 This contract is subject to Portuguese law. The place of performance for the services of Switch is the place of the registered office of Switch. Place of jurisdiction for all disputes arising between Switch and the Merchant is also the registered office of Switch, or by choice of Switch the registered office of the Merchant.

Privacy Policy

Switch RPRA, Lda. ("Switch," "we," "us," or "our") takes the private nature of your information very seriously. This policy regarding our privacy practices (the "Privacy Policy") describes how we treat the information we collect when you visit and use switchpayments.com (the "Site") and/or Switch's other domains, products, services, features, technologies, and to functions as offered on our website, or that we offer in any other manner (collectively with the Site, the "Services"). When you use the Services, you also consent to the collection, transfer, manipulation, storage, disclosure and other uses of your information as described in this Privacy Policy; please read it carefully.

1. General

By agreeing to this privacy policy you agree specifically that we can collect, process, and use your data and personal information in accordance with the present privacy policy. This privacy policy describes how we collect and use this information. Switch will use your information in strict compliance with data protection regulations.

Under no circumstances will we sell or rent your personal information to third parties, for their marketing purposes, or for any or other purposes. If you do not agree with the terms of the privacy policy, please do not register as a dealer and do not use this service.


1.1 Changes to the data privacy policy: This privacy policy may be revised in the course of time, if new features are added, or if proposals from our customers are implemented. We reserve the right to change this privacy policy at any time, and to place the revised version on our website. The revised version becomes effective upon expiration of a period of 30 days after it has been changed on the website. It will be assumed that you have agreed to all changes to the privacy policy if you continue to use the services after this period.

If you do not agree to the provisions of the privacy policy, you can cancel your account at any time as a dealer.

1.2 Links on the Switch website: Some sections of our website contain links to the websites of third parties. These pages are subject to their own privacy policies. Switch is not responsible for their operation, including data handling. Users who send information to or via such third-party sites, should check the privacy policies of these sites before they share information with them.

It is hereby clarified that these privacy policies do not represent any framework agreement within the meaning of the EU Payment Services Directive (2007/64/EC) and its transposition laws in the European Union and the EEA. Our services are available in accordance with the legal data protection provisions, which are regulated in the EU Data Protection Directive (95/46/EC).

2. Data Collection, Processing and Use

2.1 Required Information: We will only collect your personal data if you voluntarily share it with us, for example via our website, by email, or by telephone. In order to use our service you need to enter your last name, first name, address, telephone number, and email address. To accept payments with Switch, you must also specify your bank account information. We additionally require more information about yourself and your company if you want to use our service in its entirety. For tests only, a valid email address and a password are required.

Under some circumstances we will also ask you certain security questions. We need this information to process transactions, assign new passwords, to carry out checks in protecting you from credit card and bank account fraud if you have forgotten your current password, and to connect you with the administration of your account or of our services.

If you are transferring or receiving sums of money exceeding the amounts stipulated by anti-money laundering regulations, we may require more information about you or your company in order to meet the legal requirements.

2.2 Transaction Information: If you use our service, in relation to the transaction we will request to store your information, including the amount of the transaction, type of transaction (sale, selling a service) and email address, address of the customer, IP address, token and customer telephone number. We collect the IP address and other information about your computer, or the device that you use to access your user account, in order to monitor your account in relation to unauthorized access.

2.3 Information about you from third parties: To protect against potential fraud, with the help of payment processors and/or credit agencies we check the information you have provided in the list that is within the section "Use and disclosure of information" (see below). In the course of this verification we will receive personally identifiable information about you via these services.

If you owe money to Switch, we are authorized to perform a review of your credit rating, within the legal limits, by obtaining additional information about you from the credit agency. At its sole discretion, Switch also reserves the right, after conducting its own test, to periodically retrieve from a credit agency a business or customer credit report for each account, examine it, and to close accounts based on the information obtained during the credit check process.

2.4 Additional verification: If we cannot verify the information you have provided, or if we need additional information regarding your company, we will ask you to send additional information by fax, scan, or post (such as disclosure of all shareholders, excerpt from the commercial register not older than 3 months, credit card statement, or other information that places you in connection with the appropriate address), or we will perform a postal identity check. Switch reserves the right under some circumstances to make an onsite visit to your company.

2.5 Correspondence with customer service: If you send us correspondence, including emails and faxes, they will be stored in your account. We also save the entire customer service correspondence and other correspondence from Switch addressed to you. We store this data to document our customer relationships, to evaluate and improve our customer service, and to investigate potential fraud or violations of our terms of use. The data will of course be deleted or blocked in accordance with applicable legislation.

3. Use and disclosure of information

3.1 Data Usage: You agree that we may use and store your personal information for the following purposes:

Internal use:

  • Providing the services and customer services you have requested
  • Resolving conflicts, collection of fees, troubleshooting problems
  • Prevention of potentially illegal or prohibited activities
  • Enforcing our terms of use
  • Adjustment, review and improvement of our services
  • Comparison of information for determining accuracy and validation using third parties

Disclosure of customer information via dealers: Please be advised that dealers from whom you purchase and with whom you concluded a contract, may have their own privacy policies, and that Switch is not liable for their application and manner of operation. Under some circumstances within the privacy policy your information may be accessed by additional third parties. Therefore, please check whether you are in agreement with the respective dealer or third party's privacy policy.

Disclosure of data to third parties: Switch does not sell or rent any personal information to third parties for their marketing purposes. Disclosure takes place solely for the purposes described in this policy. You expressly agree, and indicate to Switch, that the following measures will be taken:

  • Disclosure of information, including, but not limited to transaction data, accounts, personal data, and the exchange of information with police, security forces, state, intergovernmental and supranational institutions, agencies (except tax authorities), departments or regulatory authorities, or organizations (including but not limited to the authorities listed below in the table, under the heading "Authorities"), or third parties, including group corporations, regarding whom we believe there is cause for investigating cases of fraud or other unlawful or potentially unlawful activity, as well as violations of our terms of use (including your credit card or EC card provider, or other account payment source). If you have given us false or inaccurate information and we determine that there is an instance of fraud, we will disclose the relevant data to appropriate credit agencies for the prevention of fraud, or to law enforcement agencies. We and other organisations may use this data (including data from other countries) to prevent fraud and money laundering.
  • Disclosure due to credit card regulations or because of a criminal or civil process. In this table, the phrase 'All account information' includes: name, address, email address, telephone number, IP address, account number, account type, details of funding instruments associated with the account, details of payment transactions, details of commercial transactions, customer information and reports, account settings, customer data that we have received in the course of the legal obligation to identify our customers, and customer correspondence. With regard to the section "Purpose", all third party providers, with the exception of the authorities and group corporations, are obliged to conform to their contractual obligations over and against Switch, as listed at the end of this table. The authorities are obliged to fulfil their own regulatory objectives and provisions.
  • Disclosure of information to your agent or legal representative (such as the holder of power of attorney granted by you or a guardian appointed for you).
  • Disclosure of aggregate statistics to our business partners or PR partners. This summarized information is fully anonymous and does not contain any personal information.
  • Like with other companies, it is possible that Switch will enter into joint ventures in the future, or be acquired by another company. If such an acquisition takes place, you agree that the subsequent company will gain access to the information managed by Switch, including information regarding member accounts. The subsequent company will still be bound by the privacy policy, unless it is changed accordingly.

3.2 Our contact with dealers: We generally communicate with our dealers via email or phone to provide requested services: in the processing of customer complaints, to reply to customer inquiries, to inform you that in our view your user account is being used for an unauthorized purpose, in order to confirm information concerning your person, to confirm your business or banking transactions, for the collection of receivables, to conduct customer surveys, or to investigate suspicious transactions.

We use your email address or postal address to confirm your user account, to send you notifications about e.g. the entrance or the debiting of payments via Switch, to inform you about important changes to our products and services, and to send you notices and other legally prescribed announcements. In general members cannot choose what messages they will receive. The messages are mainly sent for informational purposes and not for advertising purposes.

In connection with independent audits of our financial statements and transactions, auditors may contact some of our customers to confirm the correctness of our documents. The auditors may use any personal data for secondary purposes.

4. Data Security

Switch applies the highest standards for data security in the management of customer information. We utilize computer protection mechanisms, such as firewalls and data encryption, there are physical access controls to our buildings and files, and we provide access to personal information only to those employees who need it to carry out their activities (need-to-know basis).

Once you have entered and saved your personal information on our website or in your account, and have logged in, from this point forward communication will be encrypted. We will connect you with our secure server, so that the data cannot be read by any other person. On the basis of 128 bit SSL encryption technology, we encrypt your data and transmit it in safe mode. This standard meets the highest standards, and is used for example by banks.

For your own security, we recommend using the latest version of your browser and an up-to-date virus scanner. You can recognize when encryption is switched on by the activated lock icon at the bottom of the browser status bar, or directly above the comparison engine. We protect our server and your data with the latest security software and firewalls, which should prevent any unauthorized access attempt from the outset.

The security of your account also depends on how well you protect your password. Do not share your password with anyone. You will never be asked by a Switch employee to specify your password. Therefore, consider emails or other messages in which you are asked for your password to be unauthorized and suspicious, and forward them to security@switchpayments.com

If you nevertheless give your password to someone else for a particular reason, this person will gain access to your user account and your personal information, and you will be responsible for all activities carried out using your password. If you believe that someone else has access to your password, change it immediately by logging in to your account at www.switchpayments.com, and make the change in the profile settings, and notify us immediately as described above.

5. Accessing and Changing your Personal Information

You can check the personal data you have provided at any time, and may change this data for your Switch account only via a written statement. You may also only close your account only via a written statement.

If you cancel your account, your details will not be used for other purposes, sold, or given to third parties, unless we are legally obliged to do.

6. Protection of Customer Data

Switch is a service that is only successful due to trust in our company, in our customers and vice versa. Thus the protection of your personal data is a very important and special concern for us.

6.1 Basic principle: trustworthy handling of your data: Switch handles the data you provide carefully and conscientiously. Collection, processing, and use of your data only proceeds in the context of the legal provisions, or in the case of your explicit consent. Your personal data and the personal data of others that you provide us with, will not be sold, rented, or disclosed to third parties for other commercial reasons, such as for marketing purposes.

Personal data consists of individual details about your personal or factual circumstances. Insofar as personal data regarding a person or transaction is transmitted to Switch, it will only be used for processing contracts paid via Switch.

6.2 Technical, organisational data protection: Our own standard is that our measures are always above the industry standard ('best practice'). To this end we require that anyone who may come in contact with your personal data, commit to maintaining data confidentiality. These obligations also remain in force after termination of activities with Switch.

7. Your Rights

On your express request, which can be directed to us as desired by letter (Switch RPRA, Lda., Rua Sousa Aroso 556 2ºDTTS, 4450-189 Matosinhos, Porto) or email (info@switchpayments.com), we will give you information about data stored that pertains to your person. If it is incorrect, we will of course immediately arrange the necessary corrections. If you would like to make use of your right to data deletion/blockage, we will perform the deletion/blockage in accordance with applicable law. Only data that we are required to store by law is excluded from this. You of course may at any time revoke your consent to the privacy policy of Switch, by using the contact options mentioned in the previous paragraph.

8. Cookies, Website Tracking

To make visiting our website attractive and to establish the use of certain functions for you, we use so-called 'cookies' on some pages of our website. These involve small text files that are stored locally in the cache of your computer's Internet browser. Cookies enable the recognition of the Internet browser upon your next visit to our website, making our offer more user-friendly, more effective, and also more secure. However, you have the option of setting your browser to reject cookies or to display them in advance. However, if you reject cookies or similar technologies you may not be able to use certain web page offers, services, applications, or features. In addition, you can delete cookies on your system at any time. Please use the help integrated into your browser for more information on this topic.

Switch uses Google Analytics, an Internet analysis service provided by Google Inc. ('Google'), to evaluate and support online marketing measures. Google Analytics uses so-called 'cookies', which are text files placed on your computer for helping to analyse how you use the website. The information generated by the cookie about your use of the website will be transmitted to and stored by Google on servers in the United States. This website uses IP anonymization. Your IP address will be shortened by Google mainly within Member States of the European Union, or in other States party to the Agreement on the European Economic Area.

On behalf of Switch, Google will use this information to evaluate your use of the website, to compile reports about the website activity, and to provide Switch with further services related to website activity and Internet usage. The IP address that your browser transmits within the scope of Google Analytics will not be associated with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. However please be advised that if you do this you may not be able to use the full functionality of this website.

You can also prevent Google from collecting the data generated by the cookie related to your use of the website (including your IP address), as well as prevent the processing of this data by Google, by downloading and installing the browser plug-in available at the following link: http://tools.google.com/dlpage/gaoptout?hl=en

Further information regarding terms of use and privacy policy can be found at http://www.google.com/analytics/terms/gb.html or https://support.google.com/analytics/answer/6004245?hl=en. Would like to advise you that this website has expanded Google Analytics using the code 'GAT._anonymizeIp();' to ensure anonymous collection of IP addresses (so-called IP masking).

For evaluation, and to support online marketing measures, Switch uses pixels, or transparent GIF files. These GIF files are provided by our ad management partners. These files can detect a unique cookie on your Internet browser, with which we can determine what advertisements the user brings to our website. The cookie was introduced by us or by another advertising customer. The information, collected and shared with cookies, Spotlight, or Floodlight technology, is anonymous and not personally identifiable. It contains neither your name nor your address, phone number, or email address.

You can prevent the installation of cookies by adjusting your Internet application (browser). To do this, you must turn off the storage of cookies in your Internet browser. For more information, please consult your Internet browser's user instructions.

This website uses the 'Google AdWords' online advertising program, specifically its conversion tracking function. The conversion tracking cookie is set when a user clicks on an ad delivered by Google. These cookies will expire after 30 days and do not yield personal identification. If the user visits certain pages of this website and the cookie has not expired, we and Google will detect that the user has clicked on the ad and been redirected to this page. Each Google AdWords customer receives a different cookie. Cookies cannot be tracked via the websites of AdWords customers. Information obtained by using the conversion cookie is used to create conversion stats for advertisers who have opted-in to conversion tracking. The customers can determine the total number of users who have clicked on their ad and who were redirected to a page with a conversion tracking tag. However, they do not obtain any information which can identify the user personally. Users who do not want to participate in this tracking can easily disable the Google conversion tracking cookie on their Internet browser via the user settings. These users will not be included in the conversion tracking statistics. Learn more about the Google Privacy Policy.

9. Contact for Privacy Policy

If you have questions regarding the collection, processing or use of your personal data, the correction, blocking or deletion of data, as well as the revocation of granted consent, please contact: security@switchpayments.com


Every bit of our product is thought with security in mind. We focus on providing a safe environment that goes above and beyond industry security standards and guidelines. The following is an overview of the steps we take to secure our customers' most sensitive information.

You'll have full access to our cross-platform tools - from our powerful suit of APIs, Switch Checkout and Dashboard, to our risk and analytics management features.

Prohibited Data Storage

We never store raw magnetic stripe, card validation code (CAV2, CID, CVC2, CVV2), or PIN block data. Storage of this data is prohibited by the PCI DSS. We also never store full Primary Account Number (PAN) and Service Code.

Data Encryption

Cardholder data is stored using one of the most advanced encryption methods available. A data thief would not be able to make use of information stolen from a database without also having the key. The data store where cardholder data is kept cannot be connected to via the internet.

Authentication and Session Management

We require all users to authenticate each time they use the application and inactive sessions time out after 15 minutes. Passwords are never stored directly in the database, but are salted and hashed using a slow hash function to increase security. In addition, all communication between merchants and us is conducted in a secure fashion using SSL.

Activity Observation

All activity by our users or internally by our employees is extensively logged in a tamper-proof fashion. In addition to having a Web Application Firewall, we engage in the practice of extensive internal code reviews of all the software we develop.

Securing Access

Our network has been set up in a secure fashion with minimal access to outside networks. Internally, we use segmented networks so only servers which work together can communicate with each other. We facilitate secured patching and software updates of all our systems, including watching numerous online resources for the latest vulnerabilities.

Any questions? Just drop us a word at support@switchpayments.com

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We want to make sure you know exactly how Switch can meet your business's unique needs. Send us an email and we'll respond as quickly as possible, and almost always in less than 24 hours.