2 Documents
14 All provisions 4 High severity 7 Medium severity 3 Low severity
1 Changes · 12 mo
Jun 19, 2026 Last change

High — provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium — provisions worth knowing about but with partial protections or limited scope. Low — standard terms with minimal consumer impact.

Governance Coverage
Privacy Rights
9 provisions · 1 high · 5 med
Liability Limitation
3 provisions · 2 high · 1 med
Account Control
2 provisions · 1 high · 1 med
Data Usage
2 provisions · 2 high
Data Sharing
2 provisions · 2 high
Cross Border
1 provision · 1 med
Data Retention
1 provision · 1 med
Legal Jurisdiction
1 provision · 1 med
Platform Discretion
1 provision · 1 med
Acceptable Use
1 provision · 1 high
Quick Facts
Data Retention: Specified
Key Governance Provisions
High Data Sharing with Fraud Prevention and Credit Reference Agencies

Sharing data with credit reference agencies can have lasting effects on an individual's credit profile and ability to access financial products, and the individual may not be directly aware this shar…

High Rolling Reserve and Funds Withholding

Rolling reserves directly affect merchant cash flow by withholding a portion of settlement funds for an extended period, which can create working capital challenges particularly for high-volume or hi…

High Data Processing and Payment Card Data Handling

As a payment processor handling card data, Checkout.com's data practices directly affect how sensitive financial information belonging to end customers is stored, processed, and protected.

High Account Suspension and Termination Rights

Account suspension without adequate notice can leave merchants unable to process payments or access settled funds, creating significant business continuity risk.

High Third-Party Sharing Including Financial Crime Agencies

The provision establishes the operational scope of data sharing across multiple categories of recipients, including both commercial service providers and government/regulatory entities. It creates a …

Document Coverage
Privacypolicy Termsofservice
Last change detected: Jun 19, 2026 Changes (12 months): 1 Documents monitored: 2 Provisions tracked: 14
Compare With Similar Platforms
Acorns ADP Adyen Affirm Afterpay Allstate Apple Pay Bank of America

Documents

Checkout.com Privacy

Medium

This document establishes Checkout.com's data handling procedures for personal data collected from merchants, cardholders, and website visitors in connection with payment processing services. The policy authorizes Checkout.com to share financial …

Last updated May 5, 2026 · Privacy policy
8 provisions 2 versions captured Version history →

Checkout.com Terms

Medium

Checkout.com's Terms establish the legal and operational framework governing merchant use of its payment processing platform, including provisions for payment card data handling, fund management, account status management, and transaction …

Last updated May 5, 2026 · Terms of service
6 provisions 1 version captured Version history →
📈 Policy Drift Analysis View all changes →

Low Severity Provisions (0)

No provisions found.

View all high severity provisions → Compare Checkout.com with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
ePrivacy Directive
European Union
View official text ↗
FCRA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

Compare with Similar Platforms

Acorns
financial
ADP
financial
Adyen
financial
Affirm
financial
Afterpay
financial
Allstate
financial
Apple Pay
financial
Bank of America
financial

Frequently Asked Questions

What Checkout.com documents does ConductAtlas track?

ConductAtlas tracks 2 Checkout.com documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Checkout.com made in the past year?

Checkout.com has made 1 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Checkout.com?

ConductAtlas has classified 14 provisions across Checkout.com's tracked documents. 4 are rated high severity, 7 medium, and 3 low.

Can I get alerts when Checkout.com changes their policies?

Yes. Monitor subscribers ($19/month) can add Checkout.com to their watchlist and receive same-day email alerts whenever any tracked document changes.