Fraud

When merchants use our fraud detection services

Adyen offers its customers different kinds of fraud detection services. For some of our fraud services, Adyen acts as a data processor on behalf of, and under the instructions of, its merchants. Please take a look at our merchants’ privacy policies for more information regarding this processing of your personal data.

For activities involving fraud detection, prevention, and monitoring, where Adyen acts as a data controller, the following information may be utilized, including but not limited to transaction data (such as card number and cardholder name), email address, location data, IP address, information on disputed transactions, information on confirmed fraud, merchant details, device fingerprint, and unique identifier(s).

Adyen uses your personal data for the purposes of protecting you against fraud or unauthorized transactions, and preventing and monitoring fraud across the Adyen platform. Furthermore, Adyen has a legal obligation to prevent money laundering and terrorist financing.  This includes the identification of fraud with the payment details provided by our merchants, or information about fraud from other third parties, such as issuing banks, acquirers, or payment schemes. 

Additionally, Adyen processes and aggregates your personal data to create, train, and run models or other methods to accurately identify, predict, prevent, and mitigate fraud across the Adyen platform globally. These models or other methods may be leveraged to offer fraud-related products and services to our merchants.

Within the limits of what is legally permitted regarding automated decision-making, the use of these fraud models and/or other methods may result in merchants making decisions over whether or not to grant you access to a product or service, and/or whether or not to authorize a transaction. For more information please click here. 

How long do we keep this data?

We will only keep the data for as long as we reasonably need to for the purposes listed above.