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Legal hub

Legal & regulatory documents.

Everything that governs your Next Payment account — privacy, payments, card security, and the regulatory disclosures behind it. Download any document below as a PDF.

Privacy & data

How we collect, use and protect your personal information — and the rights you have over it.

1 document

Privacy Policy

How Next Payment and our card issuer, Transact Payments Malta, collect, use, share and protect your personal data — including the legal bases for processing, retention periods, and your rights under GDPR.

PDF6 pages130 KBEU / EEA
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Payments & FX

How transfers and currency conversion work, and the safeguards built around them.

2 documents

Verification of Payee — FAQs

How the Verification of Payee name-check works when you send SEPA payments, what each result (match, close match, no match) means, and how it protects you from fraud and mistaken transfers.

PDF2 pages64 KBEU / EEA
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Visa Exchange Rate Calculator

How to use Visa's official calculator to estimate the exchange rate when you pay with your card abroad — and why to set the bank-fee field to zero, since we don't charge one.

PDF1 page40 KB
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Card security

Keeping your card and online purchases safe from fraud.

1 document

Visa Secure — FAQs

How Visa Secure adds an extra identity check at online checkout to protect you from fraud — what it is, that it's free with no sign-up, and how it meets the EU's Strong Customer Authentication (PSD2) rules.

PDF2 pages469 KBEU / EEA
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Regulatory disclosures

Who issues your account and card, and how we're licensed and regulated.

1 document

Issuer Disclaimer (EU)

The regulatory notice confirming that EU payment accounts, payment services and Visa cards are issued by Transact Payments Malta Ltd, authorised and regulated by the Malta Financial Services Authority (MFSA).

PDF1 page35 KBEU / EEA
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Reference

Plain-language explainers for the terms you'll come across.

1 document

Glossary of Terms

A plain-language dictionary of the banking and payment terms used across your account — standing orders, direct debits, SEPA transfers, debit and credit cards, and arranged overdrafts.

PDF2 pages45 KB
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Read the privacy policy

The full detail on how we collect, use and protect your data.

Go to privacy

Questions or a concern?

Our team can help with anything you can't find here.

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