E-commerce

FinConnect

How FinConnect handles cookies and personal data, and what European websites must do to use it in a GDPR and ePrivacy compliant way.

Overview

What does FinConnect do?

What FinConnect is

FinConnect is a payment and checkout service. It is a financial connectivity service that links merchant checkouts with banking and payment providers. When it runs on a website it operates as a third party processor whose scripts, cookies and network requests are loaded into the browsers of your European visitors.

Data and cookies FinConnect collects

In a typical deployment FinConnect processes transaction and order amounts, fraud prevention signals, device identifiers and account data. Most of this information qualifies as personal data under the GDPR because it can be linked to an identifiable person, directly or through online identifiers stored on the device.

GDPR and ePrivacy implications

Any storage of or access to information on a visitor device is governed by Article 5(3) of the ePrivacy Directive, transposed into national law across the EU. The GDPR then governs the subsequent processing, so FinConnect must have a valid legal basis, a clear retention period and transparent information for the data subject.

Consent requirements

The strictly necessary functions of FinConnect can rely on contract or legitimate interest, but any analytics, marketing or personalisation cookies layered on top still require prior consent. Keep the essential and the optional layers clearly separated so the legal basis matches each purpose.

International data transfers

FinConnect reports hosting in the European Union, which keeps the core processing inside the European Economic Area. You should still confirm the location of any subprocessors and content delivery nodes, because a single non European endpoint can still trigger a transfer.

Practical compliance steps

List FinConnect in your records of processing and your cookie policy, load it only through a consent management platform, document the consent you collect and review the vendor data processing agreement at least once a year. Test the site with consent refused to make sure no identifier is set before a choice is made.

Compliance

FinConnect and the GDPR

Legal basis
Contract (Art. 6(1)(b) GDPR) for core functionality; consent (Art. 6(1)(a) GDPR) for optional cookies
Risk level
medium
Applicable regulations
GDPR; ePrivacy Directive 2002/58/EC; national rules (TTDSG, CNIL guidelines, LSSI)

Impact assessment (DPIA)

Assess the volume and sensitivity of data processed through FinConnect, whether visitors are profiled or tracked across sites, and any transfer outside the EEA. A formal DPIA is advisable where FinConnect enables large scale monitoring or combines data from several sources.

Sample text for your banner

This site uses FinConnect to deliver core functionality. Optional analytics and marketing features of FinConnect are activated only with your consent, which you can change at any time in the cookie settings.
Cookies and trackers

What FinConnect sets and contacts

Tracking method
First party cookies for payment connectivity
Server location
the European Union

Cookies set (2)

NameTypeDurationPurpose
finconnect_sessionnecessarySessionMaintains the secure connection session
finconnect_csrfnecessarySessionProtects forms against cross site request forgery

Third-party domains contacted (1)

  • finconnect.io
Questions

Frequently asked questions about FinConnect

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What cookies does FinConnect set?

FinConnect typically stores session identifiers and, depending on configuration, analytics or marketing cookies. The exact names and lifetimes appear in the cookie table on this page, and you should scan your own site because deployments differ.

Do I need consent to use FinConnect?

For its strictly necessary functions FinConnect can rely on contract or legitimate interest, but any analytics or marketing cookies it adds still require prior consent.

What is the legal basis for FinConnect?

The non essential cookies rely on consent under Article 6(1)(a) GDPR combined with Article 5(3) ePrivacy. Strictly necessary processing can rely on contract under Article 6(1)(b) or legitimate interest under Article 6(1)(f).

Does FinConnect transfer data to the United States or other third countries?

FinConnect reports hosting in the European Union, so by default data stays in the EEA. Verify subprocessors and CDN nodes, since one non European endpoint can still create a transfer to a third country.

Do I need a DPIA for FinConnect?

A DPIA is required when processing is likely to result in a high risk, for example large scale tracking or profiling. Where FinConnect monitors behaviour at scale or combines data sources, run a DPIA before going live.

How do I implement FinConnect in a compliant way?

Load FinConnect only after consent through a consent management platform, keep it blocked by default, document each consent, list it in your records and cookie policy, and sign a data processing agreement with the vendor.

Are there alternatives to FinConnect?

Yes. Depending on your goal you can choose privacy first or cookieless tools, or self hosted options that keep data in the EEA. Whichever you pick, the same consent and transparency duties apply.

How do I update my cookie policy for FinConnect?

Add FinConnect to the cookie policy with its purpose, the cookies it sets, their duration and the recipient, note any third country transfer and the safeguard used, and refresh the entry whenever you change configuration or after a new cookie scan.

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