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Legal provisions that govern Elavon, its group, employers and general website users
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Important Legal Information
Elavon Financial Services Modern Slavery Act
Modern Slavery Act Statement 2025
Modern Slavery Act Statement 2024
Modern Slavery Act Statement 2023
Modern Slavery Act Statement 2022
Modern Slavery Act Statement 2021
Modern Slavery Act Statement 2020
Modern Slavery Act Statement 2019
Modern Slavery Act Statement 2018
Modern Slavery Act Statement 2017
Modern Slavery Act Statement 2016
Elavon Financial Services DAC Pillar III Risk Disclosures
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2024
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2023
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2022
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2021
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2020
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2019
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2018
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2017
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2016
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2015
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2014
Click here to review Pillar III Risk Disclosure document.
Last Update: 31 December 2013
Elavon Financial Services DAC Country by Country
Click here to review Country by Country Disclosure.
Last Update: 31 December 2024
Click here to review Country by Country Disclosure.
Last Update: 31 December 2023
Click here to review Country by Country Disclosure.
Last Update: 31 December 2022
Click here to review 2022 CBCR Auditors report.
Last Update: December 2022
Click here to review Country by Country Disclosure.
Last Update: 31 December 2021
Click here to review 2021 CBCR Auditors report
Last Update: December 2021
Click here to review Country by Country Disclosure.
Last Update: 31 December 2020
Click here to review Country by Country Disclosure.
Last Update: 31 December 2019
Click here to review Country by Country Disclosure.
Last Update: 31 December 2018
Click here to review Country by Country Disclosure.
Last Update: 31 December 2017
Click here to review Country by Country Disclosure.
Last Update: 31 December 2016
Elavon Financial Services DAC 2018 Corporate Social Responsibility Report
Click here to review Corporate Social Responsibility Report.
Last Update: 2019
Click here to review Corporate Social Responsibility Report.
Last Update: 2018
Elavon Financial Services DAC EMIR Bilateral Margining Intragroup Transaction Exemption Disclosure
Click here to review EMIR Bilateral Margining Intragroup Transaction Exemption Disclosure document.
Last Update: May 2025
Click here to review EMIR Bilateral Margining Intragroup Transaction Exemption Disclosure document.
Last Update: May 2024
Click here to review EMIR Bilateral Margining Intragroup Transaction Exemption Disclosure document.
Last Update: May 2023
Click here to review EMIR Bilateral Margining Intragroup Transaction Exemption Disclosure document.
Last Update: February 2022
Click here to review EMIR Bilateral Margining Intragroup Transaction Exemption Disclosure document.
Last Update: January 2021
Elavon Financial Services DAC Whistleblower Guidance for Reporters
Click here to review Whistleblower Guidance for Reporters document.
Elavon Financial Services DAC Ireland Gender Pay Gap Report
Click here to review 2025 Ireland Gender Pay Gap Report.
Last Update: November 2025
Click here to review 2024 Ireland Gender Pay Gap Report.
Last Update: December 2024
Click here to review 2023 Ireland Gender Pay Gap Report.
Last Update: December 2023
Click here to review 2022 Ireland Gender Pay Gap Report.
Last Update: December 2022
Click here to review 2024 Women in Finance metrics for Ireland.
Click here to review 2023 Women in Finance metrics for Ireland.
Click here to review 2022 Women in Finance metrics for Ireland.
European Commission Your Rights
Click here to review Your Rights When Making Payments in Europe
Last Update: February 2023
Waste Electrical and Electronic Equipment Directive (WEEE)
Click here to read how Elavon adheres to Waste Electrical and Electronic Equipment Directive (WEEE) regulations.
Last update: September 2024
Our Regulatory Status: What This Means for You
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
We provide a range of services to businesses in Ireland. Some of these services are regulated financial services and some of them are unregulated financial services. This page explains what that means, so you can understand how each service is treated.
What does “regulated” mean?
A regulated service is a financial service that:
- Is supervised by the Central Bank of Ireland, and
- Must meet specific legal and regulatory requirements designed to protect customers.
These rules cover areas such as transparency, fairness, and how we deal with customers.
What does “unregulated” mean?
An unregulated service is a service of a financial nature that:
- Does not require authorisation or supervision by the Central Bank of Ireland, and
- Is not covered by Central Bank consumer protection rules or statutory compensation schemes.
This does not mean the service is unsafe or unimportant, it simply means it is not subject to financial services regulation.
Which of our services are regulated?
The table below shows how different services are treated
|
Activity |
Regulated activity |
Unregulated activity |
|---|---|---|
|
Acquiring of transactions |
|
|
|
Dynamic Currency Conversion |
|
|
|
Fraud solution (TRA) |
|
|
|
Multicurrency Conversion |
|
|
|
Business Finance (Liberis) |
|
|
|
Gateway services |
|
|
|
POS (point-of-sale) terminals |
|
|
|
ePOS solutions |
|
|
|
Customer portal |
|
|
|
Fraud detection and prevention |
|
|
|
Payment Card Industry compliance services |
|
|
Activity
Acquiring of transactions
Regulated activity
Unregulated activity
Activity
Dynamic Currency Conversion
Regulated activity
Unregulated activity
Activity
Fraud solution (TRA)
Regulated activity
Unregulated activity
Activity
Multicurrency Conversion
Regulated activity
Unregulated activity
Activity
Business Finance (Liberis)
Regulated activity
Unregulated activity
Activity
Gateway services
Regulated activity
Unregulated activity
Activity
POS (point-of-sale) terminals
Regulated activity
Unregulated activity
Activity
ePOS solutions
Regulated activity
Unregulated activity
Activity
Customer portal
Regulated activity
Unregulated activity
Activity
Fraud detection and prevention
Regulated activity
Unregulated activity
Activity
Payment Card Industry compliance services
Regulated activity
Unregulated activity
Important information for customers
Where a financial service is not regulated by the Central Bank of Ireland:
- It is not supervised by the Central Bank of Ireland
- It is not covered by Central Bank consumer protection rules
- It is not covered by a statutory compensation scheme
Where we provide unregulated financial services, we remain committed to acting honestly, fairly and in our customers’ best interests. We will always be clear about whether a service you are using is regulated or not. If you have any questions, we are happy to explain this in more detail.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0818 20 21 20
Telephone: Monday to Friday, 8am to 5pm
Chat: Monday to Friday, 8am to 6pm
Elavon technical support: 0818 30 31 30
24 hours a day, 365 days a year
Opayo product support: 01 240 8731
24 hours a day, 365 days a year
Copyright© 2026 | U.S. Bank Europe DAC. Registered in Ireland – Number 418442. Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
We are regulated by the Central Bank of Ireland for our acquiring, transaction risk analysis, and dynamic currency conversion services. For all other products and services we provide, please note the following:
Warning: The provision of this service does not require licensing, registration, or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0818 20 21 20
Telephone: Monday to Friday, 8am to 5pm
Chat: Monday to Friday, 8am to 6pm
Elavon technical support: 0818 30 31 30
24 hours a day, 365 days a year
Opayo product support: 01 240 8731
24 hours a day, 365 days a year
Copyright© 2026 | U.S. Bank Europe DAC. Registered in Ireland – Number 418442. Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
We are regulated by the Central Bank of Ireland for our acquiring, transaction risk analysis, and dynamic currency conversion services. For all other products and services we provide, please note the following:
Warning: The provision of this service does not require licensing, registration, or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme.
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