Privacy Policy

Effective date: 5 August 2026

This Privacy Policy explains how NEW GATEWAY PAYMENT SERVICE PROVIDER – FZCO, operating under the brand NPayGate (“NPayGate”, “we”, “us”, “our”), collects, uses, stores and shares personal data when you visit npaygate.com, contact us, apply for our services, or use our payment-related products and services.

NPayGate is registered in Dubai, United Arab Emirates, with License Number 77940. Our registered address is Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates.

1. Information We Collect

We may collect the following categories of information:

Contact information: name, company name, job title, email address, phone number and other information you provide when contacting us.
Business and onboarding information: company registration details, ownership structure, business activity, website, industry, expected transaction volumes and other information required to assess eligibility for our services.
Verification and compliance information: identity documents, beneficial ownership information, sanctions screening results, KYC, KYB, AML and transaction monitoring information where required by law, partners, payment networks or internal risk procedures.
Transaction and payment-related information: transaction identifiers, payment method details, transaction status, currency, amount, merchant and payout information, refund, chargeback and fraud-related data.
Technical information: IP address, browser type, device information, operating system, pages viewed, referring URLs, log data and similar information collected through cookies or analytics tools.
Communications: messages, support requests, sales inquiries and other communications with us.

2. How We Use Information

We use personal data to:

operate, maintain and improve our website and services;
respond to inquiries and provide sales or customer support;
assess merchant eligibility and onboard business customers;
provide payment processing, acquiring, payout, reporting, fraud prevention and API-related services;
perform KYC, KYB, AML, sanctions screening, fraud monitoring and risk management;
comply with legal, regulatory, payment network, banking partner and contractual obligations;
protect the security and integrity of our systems;
send service-related notices and, where permitted, marketing communications;
analyze website and service usage.

3. Legal Bases for Processing

Depending on the context, we process personal data because:

processing is necessary to provide requested services or take steps before entering into a contract;
we have a legitimate business interest, such as fraud prevention, service improvement or security;
processing is required to comply with legal or regulatory obligations;
you have provided consent, where consent is required.

4. How We Share Information

We may share information with:

banks, payment processors, acquiring partners, card networks, payout providers and other payment infrastructure partners;
identity verification, compliance, fraud prevention and risk monitoring providers;
cloud hosting, analytics, communication, customer support and IT service providers;
regulators, law enforcement, courts, government authorities or payment networks where required;
professional advisers, auditors and legal representatives;
affiliates, successors or potential buyers in connection with a business transfer, merger or restructuring.

We do not sell personal data.

5. International Transfers

Because NPayGate supports international payment services, your information may be processed in countries other than your country of residence. Where required, we use appropriate safeguards to protect transferred personal data.

6. Data Retention

We retain personal data only for as long as necessary for the purposes described in this Privacy Policy, including to provide services, resolve disputes, meet compliance obligations, prevent fraud and maintain business records. Compliance, KYC, AML and transaction records may be retained for longer periods where required by law, regulators, payment networks or financial partners.

7. Cookies and Analytics

Our website may use cookies and similar technologies to operate the site, understand usage and improve performance. You may control cookies through your browser settings, but disabling cookies may affect website functionality.

8. Security

We use technical, organizational and administrative safeguards designed to protect personal data against unauthorized access, loss, misuse or disclosure. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Your Rights

Depending on applicable law, you may have rights to access, correct, delete, restrict or object to the processing of your personal data, and to request data portability. You may also have the right to withdraw consent where processing is based on consent.

To exercise your rights, contact us using the details below. We may need to verify your identity before responding.

10. Children

Our website and services are intended for business users and are not directed to children. We do not knowingly collect personal data from children.

11. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for their privacy practices, content or security.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date.

13. Contact Us

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

NEW GATEWAY PAYMENT SERVICE PROVIDER – FZCO
Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates
Email: manager@npaygate.com