Legal hub
The agreements that shape your relationship with NextPayment.
Everything you need to know about the terms, privacy practices, and regulatory commitments that back every account we open. Written in plain language, updated regularly, and always available here.
Terms & Conditions
Agreements that govern your use of NextPayment accounts, our website, mobile app, and developer APIs.
Personal account terms
The core agreement for individuals holding a NextPayment personal account.
Business account terms
The agreement for companies, freelancers, and sole traders using NextPayment for Business.
Website terms of use
The terms that apply whenever you visit nextpayment.com, regardless of whether you hold an account.
Mobile application terms
Additional terms that apply when you install and use the NextPayment mobile app on iOS or Android.
Developer & API terms
The agreement that applies when you use the NextPayment public APIs, SDKs, or webhooks.
Privacy & Data
How we collect, use, share, and protect your personal information — globally and by region.
Privacy notice
What personal data we collect, why we collect it, and the rights you have over it.
Cookie policy
The cookies and similar technologies we use on our website and in our app.
Data Processing Agreement
The contract terms that apply when NextPayment processes personal data on behalf of a business customer.
Marketing communications
How we ask for your consent to send marketing, what you'll receive, and how to opt out.
Your GDPR rights
A plain-language guide to the rights you have under the EU General Data Protection Regulation.
UK data protection addendum
How UK GDPR applies to personal data transferred out of the United Kingdom.
Product terms
Specific terms for each of our products — cards, transfers, currency, savings, and invoicing.
Debit card terms
Terms that apply to physical and virtual debit cards issued by NextPayment.
ATM withdrawal terms
How ATM withdrawals work with a NextPayment card, including free allowances and fees.
Currency conversion terms
How we convert between currencies and the rates you can expect.
Bank transfer terms
Terms for sending and receiving bank transfers through NextPayment.
Savings account terms
Terms for interest-bearing savings accounts offered through NextPayment.
Invoicing service terms
Terms for creating, sending, and collecting payment on invoices through NextPayment Business.
Payments & Usage
Fees, refunds, chargebacks, and the rules that keep our platform safe for everyone.
Fees & charges
The complete schedule of fees that may apply to your NextPayment plan.
Acceptable use policy
The activities that are not allowed on NextPayment, and how we enforce them.
Refunds & cancellations
When NextPayment offers refunds on plan fees, hardware, or features.
Chargeback rights
How to raise a chargeback on a card transaction and what outcomes to expect.
Payment dispute terms
How we investigate disputes on non-card payment rails such as SEPA, Faster Payments, and SWIFT.
Support & Disputes
How to raise a concern, file a complaint, escalate to an ombudsman, or report a vulnerability.
Complaints procedure
How to raise a concern with NextPayment and what to expect when you do.
Financial ombudsman referral
How to escalate a complaint to an independent ombudsman or dispute resolution body.
Responsible disclosure policy
How to report a security vulnerability in NextPayment safely and responsibly.
Company & Compliance
Who we are, how we're regulated, and the policies that govern how we do business.
Regulatory information
Who NextPayment is, which licences we hold, and how your funds are safeguarded.
AML & counter-terrorist financing policy
A summary of the controls we apply to prevent money laundering and terrorist financing.
Sanctions compliance
How NextPayment complies with international sanctions regimes.
Tax information reporting
How we meet our tax reporting obligations under the Common Reporting Standard and EU Directives on Administrative Cooperation.
Whistleblowing policy
How to raise serious concerns about misconduct at NextPayment, safely and confidentially.
Sustainability & ESG disclosure
Our commitments on environmental, social, and governance topics.
Security practices
The technical and organisational measures that protect your NextPayment account and data.
Modern slavery statement
The steps we take to prevent modern slavery and human trafficking in our business and supply chain.
Accessibility statement
Our commitment to making NextPayment usable for everyone.