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LEGAL NOTICE, PRIVACY POLICY AND COOKIE POLICY

1. LEGAL NOTICE

In compliance with article 10 of Law 34/2002, of 11 July, on Services of the Information Society and Electronic Commerce (LSSICE), the identifying details of the company are set out below:

Company name: PAYOK FINANCIAL SERVICES, S.L. (hereinafter, PAYOK).
CIF: B73697567
Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain
Phone: +34 613 01 87 17
Email: [email protected]
Domain name: payok.app
Administrative authorization: Authorization from the National Commission on Markets and Competition for the provision of electronic communications services.

Mercantile register

The company PAYOK FINANCIAL SERVICES, S.L., has been registered in the Mercantile Registry of Murcia, Volume 2795, Book 0, Page 168, Section 8, Sheet MU75166, Entry 6, Date 11/10/2023.

Purpose of the website

Provision of financial services and related sector services, associated with PAYOK. This legal notice (hereinafter, the "Legal Notice") regulates the use of the website: payok.app.

Legislation

In general, the relations between PAYOK and the users of its telematic services, present on this website, are subject to Spanish legislation and jurisdiction.

User use and access

The User is informed, and accepts, that access to this website does not, in any way, imply the start of a commercial relationship with PAYOK or any of its branches.

Intellectual and industrial property

The intellectual property rights of the content of the web pages, their graphic design and codes are owned by PAYOK and, therefore, their reproduction, distribution, public communication, transformation or any other activity that can be carried out with the contents of its web pages is prohibited, even quoting the sources, unless written consent is given by PAYOK.

Website content and links

PAYOK reserves the right to update, modify or delete the information contained in its web pages, and may even limit or deny access to such information to certain users.

PAYOK does not assume any responsibility for the information contained on third-party web pages which can be accessed via "links" or hyperlinks from any web page owned by PAYOK.

The presence of "links" or hyperlinks on PAYOK web pages is solely for informational purposes and in no case does it imply suggestion, invitation or recommendation regarding them.

2. PRIVACY POLICY

Through this data protection policy, PAYOK informs users of its website about how user data will be managed, so that they can decide freely and voluntarily whether they wish to provide the requested information.

Principles and privacy guarantee

This website respects and protects users' personal data. As such, you should know that your rights are guaranteed.

At PAYOK we guarantee compliance with the following principles to ensure your privacy:

We never request personal information unless it is truly necessary to provide the services that the client requests.
We never share users' personal information with anyone, except to comply with the law or if we have the user's express authorization.
We never use your personal data for a purpose other than that stated in this privacy policy.

It should be noted that this Privacy Policy may be modified to adapt to new legal requirements, so users are advised to visit it periodically.

PAYOK has adapted this website to the requirements of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 and Organic Law 3/2018, on Personal Data Protection and Guarantee of Digital Rights (LOPDGDD), as well as Law 34/2002, of 11 July, on Services of the Information Society and Electronic Commerce (LSSICE).

Data controller

Company name: PAYOK FINANCIAL SERVICES, S.L.
CIF: B73697567
Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain
Phone: +34 613 01 87 17
Email: [email protected]

For the processing of our users' data, we implement all the technical and organizational security measures established by current legislation.

Principles applied to personal information

In processing your personal data, we will apply the following principles that comply with the requirements of the GDPR:

Lawfulness, fairness and transparency: We will always require your consent for the processing of your personal data for one or more specific purposes, which we will inform you about in advance with absolute transparency.
Data minimization: We will only request data that is strictly necessary for the purposes required.
Limitation of storage period: Data will be kept no longer than necessary for the purposes of the processing.
Integrity and confidentiality: Your data will be processed in a manner that ensures appropriate security and confidentiality. PAYOK will take the necessary precautions to prevent unauthorized access or improper use of our users' data by third parties.

How did we obtain your data?

The personal data we process comes from:

Contact form.
Newsletter subscription.
Email.
User registration.
Event and activity registration.

For what purpose do we process your personal data?

When a user connects with this website, for example to comment on a post, send an email to the owner, subscribe, or make a contract, they are providing personal information for which PAYOK is responsible. This information may include personal data such as your IP address, name, physical address, email address, phone number, and other information. By providing this information, the user consents to their information being collected, used, managed, and stored by PAYOK, as described in the Legal Notice and this Privacy Policy.

The information collection systems are the following:

Contact form: Name, Email and any other information you provide in the message body are requested, to respond to user requests, questions, complaints or comments about the website, the services provided through it, or the processing of your personal data.
User registration form: When creating an account, the following data is requested: Full name, address, phone number, email, ID and password.
Newsletter form: Name, Email and any other information you provide in the message body are requested, to send you information about our services and products that may be of interest to you.
Cookies: Other non-identifying data is collected through cookies downloaded onto the user's device when browsing this website, as detailed in the cookie policy.

PAYOK will not transfer personal data that can identify the user to third parties without prior consent.

What is the legal basis for processing your data?

PAYOK is authorized to process your personal data based on the data subject's consent, as set out in Article 6.1.a of the aforementioned GDPR.

How long will your data be kept?

The personal data provided will be kept as long as a commercial relationship is maintained and, where appropriate, for the years necessary to comply with legal obligations or until the data subject requests deletion of their data.

What are your rights when you provide us with your data?

Data subjects have the right to:

Access: Access their personal data held by PAYOK.
Rectification: Amend or correct inaccurate data held by PAYOK.
Cancellation: Delete their personal data from the PAYOK database when it is no longer necessary.
Objection: Object to the use of their data for a purpose other than the one chosen.
Portability: Request the transfer of their data in an automated system to another company.
Restriction: Limit the use and period of use of their data by PAYOK, in which case it will only be kept according to tax law and for claims management.
Right to be forgotten: Request deletion of their history on the Internet, if applicable.

These rights can be exercised using the forms provided for this purpose, via the company's email, or through our data protection officer at: dpd@valegalespaña.com.

Finally, we inform you of your right to submit a complaint to the Spanish Data Protection Agency.

Data subjects may access their personal data, as well as request correction of inaccurate data or, where appropriate, request deletion when, among other reasons, the data is no longer necessary for the purposes for which it was collected. In certain circumstances, data subjects may request the restriction of processing of their data, in which case it will only be kept for the exercise or defense of claims.

In certain circumstances and for reasons related to their particular situation, data subjects may object to the processing of their data. PAYOK will stop processing the data, unless there are legitimate reasons, or for the exercise or defense of possible claims. As a data subject, you have the right to data portability, i.e., to receive the personal data you have provided and to transmit it to another data controller when:

The processing is based on consent.
The data has been provided by the data subject.
The processing is carried out by automated means.

When exercising your right to data portability, you have the right to have personal data transmitted directly from controller to controller where technically possible. Data subjects also have the right to effective judicial protection and may submit a complaint to the supervisory authority, in this case the Spanish Data Protection Agency, if they consider that the processing of personal data concerning them violates the Regulation.

Accuracy of the data

The user is solely responsible for the accuracy of the data submitted to PAYOK, exempting it from any responsibility in this regard. Users guarantee the accuracy, validity and authenticity of the personal data provided, and undertake to keep it properly updated.

Security measures

PAYOK undertakes to use and process users' personal data confidentially, adopting the technical and organizational measures to prevent alteration, loss, processing or unauthorized access, in accordance with current data protection regulations. If a security incident occurs, PAYOK will notify the user without undue delay.

Acceptance, consent and revocability

The user declares to have been informed of the personal data protection conditions, accepting and consenting to the processing of their data by PAYOK in the manner and for the purposes indicated in this privacy policy. The consent given is revocable at any time by communicating it to PAYOK.

Changes to the privacy policy

PAYOK reserves the right to modify this policy to adapt it to legislative developments and industry practices. In such cases, the changes will be announced on this page with reasonable notice before their implementation.

3. COOKIE POLICY

PAYOK, through this document, sets out its Cookie Collection and Processing Policy, in compliance with the provisions of article 22.2 of Law 34/2002 (LSSICE).

What are cookies?

Cookies are small files that are installed on your device when you access the website. Their functions include storing preferences, collecting statistical information and making browsing easier. Cookies do not provide references that allow personal data to be deduced. The user can configure their browser to notify or reject their installation.

Why are they important?

From a technical point of view, they allow the website to work quickly and adapt to your preferences. They also help improve our services thanks to statistical information, and make advertising more efficient.

How do we use cookies?

Browsing this website means that the following types of cookies may be installed:

Own cookies: Sent and managed directly by PAYOK.
Third-party cookies: Sent anonymously by third parties for statistical studies (e.g. social networks).
Technical and performance cookies: Preserve your preferences for certain tools or services so you do not have to reconfigure them on every visit.
Statistical analysis cookies: Quantify visitors and analyze the use of our services anonymously.
Geolocation cookies: Anonymously locate the geographic position of your device to offer you more appropriate content and services.
Registration cookies: Identify you as a registered user while you are logged in, until you log out, close the browser or turn off the device.
Advertising cookies: Manage advertising spaces, adapting the content to your browsing profile.
Session cookies: Store data only while you access the website.
Persistent cookies: Store data on your device for a defined period.

How can I configure my preferences?

You can allow, block or delete the cookies installed on your device by configuring your browser:

What happens if cookies are disabled?

If you block the installation of cookies, certain services on our website will be disabled and the quality of the website's operation may decrease.

What types of cookies do we use at PAYOK?

Cookie	Provider	Purpose	Expiration	Type
_cf_bm	payok.app	Used to distinguish between humans and bots, in order to generate valid reports on website usage.	1 day	HTTP Cookie
CookieConsent	payok.app	Stores the user's cookie consent status for the current domain.	6 months	HTTP Cookie
October_session	payok.app	Maintains the states of users on all page requests.	1 day	HTTP Cookie
PHPSESSID	payok.app	Maintains the states of users on all page requests.	Session	HTTP Cookie

Acceptance of cookies by choice

If you continue browsing after being informed about our Cookie Policy, we understand that you accept the use of cookies.

When you access this website or application for the first time, you will see a window informing you about the use of cookies and where you can consult this cookie policy. If you consent to the use of cookies, continue browsing or click on any link, it will be understood that you have consented to our cookie policy and, therefore, to the installation of cookies on your device.

In addition to the use of our own cookies, we allow third parties to set and access cookies on your computer. Consent for the use of cookies from this company is linked to browsing this website.

In Molina de Segura, Murcia (Spain), 14-04-2026.

+34 968 079 125

WhatsApp: +34 613 01 87 17

Request a CallBack

LEGAL NOTICE, PRIVACY POLICY AND COOKIE POLICY

1. LEGAL NOTICE

In compliance with article 10 of Law 34/2002, of 11 July, on Services of the Information Society and Electronic Commerce (LSSICE), the identifying details of the company are set out below:

Company name: PAYOK FINANCIAL SERVICES, S.L. (hereinafter, PAYOK).
CIF: B73697567
Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain
Phone: +34 613 01 87 17
Email: [email protected]
Domain name: payok.app
Administrative authorization: Authorization from the National Commission on Markets and Competition for the provision of electronic communications services.

Mercantile register

The company PAYOK FINANCIAL SERVICES, S.L., has been registered in the Mercantile Registry of Murcia, Volume 2795, Book 0, Page 168, Section 8, Sheet MU75166, Entry 6, Date 11/10/2023.

Purpose of the website

Provision of financial services and related sector services, associated with PAYOK. This legal notice (hereinafter, the "Legal Notice") regulates the use of the website: payok.app.

Legislation

In general, the relations between PAYOK and the users of its telematic services, present on this website, are subject to Spanish legislation and jurisdiction.

User use and access

The User is informed, and accepts, that access to this website does not, in any way, imply the start of a commercial relationship with PAYOK or any of its branches.

Intellectual and industrial property

Website content and links

PAYOK reserves the right to update, modify or delete the information contained in its web pages, and may even limit or deny access to such information to certain users.

PAYOK does not assume any responsibility for the information contained on third-party web pages which can be accessed via "links" or hyperlinks from any web page owned by PAYOK.

The presence of "links" or hyperlinks on PAYOK web pages is solely for informational purposes and in no case does it imply suggestion, invitation or recommendation regarding them.

2. PRIVACY POLICY

Principles and privacy guarantee

This website respects and protects users' personal data. As such, you should know that your rights are guaranteed.

At PAYOK we guarantee compliance with the following principles to ensure your privacy:

We never request personal information unless it is truly necessary to provide the services that the client requests.
We never share users' personal information with anyone, except to comply with the law or if we have the user's express authorization.
We never use your personal data for a purpose other than that stated in this privacy policy.

It should be noted that this Privacy Policy may be modified to adapt to new legal requirements, so users are advised to visit it periodically.

Data controller

Company name: PAYOK FINANCIAL SERVICES, S.L.
CIF: B73697567
Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain
Phone: +34 613 01 87 17
Email: [email protected]

For the processing of our users' data, we implement all the technical and organizational security measures established by current legislation.

Principles applied to personal information

In processing your personal data, we will apply the following principles that comply with the requirements of the GDPR:

Lawfulness, fairness and transparency: We will always require your consent for the processing of your personal data for one or more specific purposes, which we will inform you about in advance with absolute transparency.
Data minimization: We will only request data that is strictly necessary for the purposes required.
Limitation of storage period: Data will be kept no longer than necessary for the purposes of the processing.
Integrity and confidentiality: Your data will be processed in a manner that ensures appropriate security and confidentiality. PAYOK will take the necessary precautions to prevent unauthorized access or improper use of our users' data by third parties.

How did we obtain your data?

The personal data we process comes from:

Contact form.
Newsletter subscription.
Email.
User registration.
Event and activity registration.

For what purpose do we process your personal data?

The information collection systems are the following:

Contact form: Name, Email and any other information you provide in the message body are requested, to respond to user requests, questions, complaints or comments about the website, the services provided through it, or the processing of your personal data.
User registration form: When creating an account, the following data is requested: Full name, address, phone number, email, ID and password.
Newsletter form: Name, Email and any other information you provide in the message body are requested, to send you information about our services and products that may be of interest to you.
Cookies: Other non-identifying data is collected through cookies downloaded onto the user's device when browsing this website, as detailed in the cookie policy.

PAYOK will not transfer personal data that can identify the user to third parties without prior consent.

What is the legal basis for processing your data?

PAYOK is authorized to process your personal data based on the data subject's consent, as set out in Article 6.1.a of the aforementioned GDPR.

How long will your data be kept?

What are your rights when you provide us with your data?

Data subjects have the right to:

Access: Access their personal data held by PAYOK.
Rectification: Amend or correct inaccurate data held by PAYOK.
Cancellation: Delete their personal data from the PAYOK database when it is no longer necessary.
Objection: Object to the use of their data for a purpose other than the one chosen.
Portability: Request the transfer of their data in an automated system to another company.
Restriction: Limit the use and period of use of their data by PAYOK, in which case it will only be kept according to tax law and for claims management.
Right to be forgotten: Request deletion of their history on the Internet, if applicable.

These rights can be exercised using the forms provided for this purpose, via the company's email, or through our data protection officer at: dpd@valegalespaña.com.

Finally, we inform you of your right to submit a complaint to the Spanish Data Protection Agency.

The processing is based on consent.
The data has been provided by the data subject.
The processing is carried out by automated means.

Accuracy of the data

Security measures

Acceptance, consent and revocability

Changes to the privacy policy

3. COOKIE POLICY

PAYOK, through this document, sets out its Cookie Collection and Processing Policy, in compliance with the provisions of article 22.2 of Law 34/2002 (LSSICE).

What are cookies?

Why are they important?

How do we use cookies?

Browsing this website means that the following types of cookies may be installed:

Own cookies: Sent and managed directly by PAYOK.
Third-party cookies: Sent anonymously by third parties for statistical studies (e.g. social networks).
Technical and performance cookies: Preserve your preferences for certain tools or services so you do not have to reconfigure them on every visit.
Statistical analysis cookies: Quantify visitors and analyze the use of our services anonymously.
Geolocation cookies: Anonymously locate the geographic position of your device to offer you more appropriate content and services.
Registration cookies: Identify you as a registered user while you are logged in, until you log out, close the browser or turn off the device.
Advertising cookies: Manage advertising spaces, adapting the content to your browsing profile.
Session cookies: Store data only while you access the website.
Persistent cookies: Store data on your device for a defined period.

How can I configure my preferences?

You can allow, block or delete the cookies installed on your device by configuring your browser:

What happens if cookies are disabled?

If you block the installation of cookies, certain services on our website will be disabled and the quality of the website's operation may decrease.

What types of cookies do we use at PAYOK?

Cookie	Provider	Purpose	Expiration	Type
_cf_bm	payok.app	Used to distinguish between humans and bots, in order to generate valid reports on website usage.	1 day	HTTP Cookie
CookieConsent	payok.app	Stores the user's cookie consent status for the current domain.	6 months	HTTP Cookie
October_session	payok.app	Maintains the states of users on all page requests.	1 day	HTTP Cookie
PHPSESSID	payok.app	Maintains the states of users on all page requests.	Session	HTTP Cookie

Acceptance of cookies by choice

If you continue browsing after being informed about our Cookie Policy, we understand that you accept the use of cookies.

In addition to the use of our own cookies, we allow third parties to set and access cookies on your computer. Consent for the use of cookies from this company is linked to browsing this website.

In Molina de Segura, Murcia (Spain), 14-04-2026.

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Interchange fees: how Visa and Mastercard make money and who pays each fee

Posted By : Admin
Acquiring
0 Comments
September 14, 2026

You charge €100 by card and only €99 lands in your account. Who keeps that euro? Not Visa or Mastercard, although almost everyone believes so. Here is how interchange works and which part of your fee you can actually negotiate.

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