We also listed a provision named “Automated Decision-Making for Fraud and Identity Verification” from our summary of this document. None of its quoted text appears in any capture we hold, so it was withheld (correction, Oct 12, 2026). A link to that entry now leads here. This page is a separate clause record, CA-P-016111, whose quotation is checked against a stored capture of the document.
This analysis describes what Checkout.com's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes that automated processing may directly affect a consumer's ability to complete a transaction or access a service, and the right to request human review is stated to be jurisdiction-dependent, meaning not all affected individuals have the same recourse.
Interpretive note: The right to request human review is stated as jurisdiction-dependent and the notice does not specify which jurisdictions trigger that right, creating ambiguity for users outside the EU, UK, California, and Colorado.
The updated policy explicitly states that Checkout.com uses recordings of calls with merchants for training, product development, and marketing purposes. The policy also clarifies that merchant customer contact, cardholder, transaction, and technical information is processed to deliver payment services, detect fraud, and comply with legal obligations. Merchants and their customers should review the updated disclosure to understand how their communications and transaction data are used.
View change record →Cross-platform context
See how other platforms handle Automated Decision-Making for Fraud and Identity Verification and similar clauses.
Compare across platforms →"In the course of providing our services, we may make decisions using your personal data which are partially or wholly automated to help make our decisions and services secure and efficient. We use automated decision-making in the following circumstances: -Fraud detection: Where you are a Merchant Customer and you initiate a transaction with a Merchant that uses our fraud detection services, your information may be processed by Checkout for the purposes of fraud detection and prevention. In some cases, this may lead to an automated decision for a transaction to be declined or for further information to be requested from you in order to proceed. … -Identity verification: Where you are a Merchant Representative or Merchant Customer and we ask you to provide identity information to sign up to one of our services, or you use our identity verification product, the information you provide may be subject to partially or wholly automated decisions as to whether we are able to verify your identity. In the event we are unable to effectively verify your identity, this could have the impact of delaying or denying you access to a product or service operated by Checkout or one of our Merchants.Excerpt from Checkout.com's Privacy
Get the weekly coverage letter
Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
This provision establishes that automated processing may directly affect a consumer's ability to complete a transaction or access a service, and the right to request human review is stated to be jurisdiction-dependent, meaning not all affected individuals have the same recourse.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Checkout.com.