PSI-Pay Cookie Policy
This document was last updated on September 11, 2023.
This is the PSI-Pay Cookie Policy applicable to Payz Services and Website, as defined below. This Cookie Policy describes how, why and when We use cookies on the Website and what benefits they bring. It also tells how You can manage cookies stored in Your device.
Please read this Cookie Policy carefully. By continuing to use the Website (through any device) You agree that this Cookie Policy applies to that use in addition to any other applicable terms and conditions, including PSI-Pay Privacy Policy and the Terms of Use for the Business Entity Account or Terms of Use for the User Account (as applicable).
This Cookie Policy may be made available in several languages; all versions are legally binding but in the event of inconsistency between English version and a translated version English version prevails.
1. Definitions
“Cookie Policy” – this Cookie Policy concerning Payz Services and Website available on the Website, as may be amended from time to time.
“customer” – means a User or Business Entity.
“device” – Mobile Device, computer hardware and software.
“Payz Services” – innovative payment services provided by PSI-Pay and based on eMoney issued by PSI-Pay upon demand and for the account of Users and Business Entities and including activities required for operations with a Payz account, identity verification and security checks, execution of Transactions, receipt of eMoney transfers, issuance and redemption of eMoney and other activities, as described in the Terms of Use.
“Mobile Application” – an information technology solution available on Mobile Devices exclusively to Users for accessing and partly using Payz Services. We may make this service available to Business Entities in the future.
“Mobile Device” – a portable computing device such as a smartphone or tablet computer.
“PSI-Pay”, “We”, “Us” or “Our” – PSI-Pay Ltd., a company incorporated under the laws of England and Wales and authorised by the Financial Conduct Authority of the United Kingdom to issue electronic money and to provide payment services as described in the Terms of Use.
“Privacy Policy” – Our Privacy Policy concerning Payz Services and Website available on the Website, as may be amended from time to time.
“Terms of Use” – the Terms of Use for the User Account or the Terms of Use for the Business Entity Account, as may be amended from time to time.
“User” – an individual who meets all the eligibility requirements set in the Terms of Use for the User Account and that opens and holds a Payz account and is enabled to use Payz Services.
“Website” – the website branded as Payz and referring to domain https://www.payz.com/. The term “Website” also includes reference to a Mobile Application in this Cookie Policy, when applicable.
“You”, “Your” or “Yourself” – an individual who is applying, accessing or using Payz Services either on his or her own account or on behalf of a Business Entity. This includes, an individual acting as a User or as a prospective User, or an individual acting on behalf of a Business Entity, including any principals (the managing and financial directors, other directors and officers, shareholders, partners and beneficial owners of the Business Entity), as well as any member of staff or an employee accessing or using Payz Services on behalf of a Business Entity.
Other terms not provided in the preceding paragraphs are also used in this Cookie Policy. Please check the Terms of Use for the Business Entity Account or Terms of Use for the User Account (as applicable) or Privacy Policy for the meaning of capitalized terms that are not provided in this Cookie Policy.
2. About PSI-Pay
2.1 PSI-Pay Ltd., a company incorporated under the laws of England and Wales with registration number 05899168 and with registered office at Afon Building, Worthing Road, Horsham, West Sussex, RH12 1TL, United Kingdom.
PSI-Pay LTD is authorised by the Financial Conduct Authority (FCA) of the United Kingdom to issue electronic money and also to provide payment services. The registration number issued by the FCA to PSI-Pay is 900011.
3. What are cookies?
3.1 A cookie is a small file of letters and numbers that is sent to and stored on the Internet browser that You use on Your device whenever You access a website. Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owner of the website. Each website that You visit can store its own cookies to Your Internet browser if Your Internet browser allows it. There are different types of cookies:
- Persistent cookies. These cookies are used to store a file for an extended period on Your device. They last after You have closed Your Internet browser, and allow a website to remember Your actions and preferences. They might remember choices You have made on previous visits to make the current visit more convenient and relevant to You. They are used, for example, to tell You about what is new on the website since Your last visit.
- We use persistent cookies, for example, to remember Your user name and to analyse customer visits to Our Website. These cookies help Us to understand how Our customers arrive at and use Our Website so that We can improve Payz Services.
- Session cookies. These cookies are stored temporarily on Your device while You are visiting a website. They last only for the duration of Your visit and expire when You close Your Internet browser. Session cookies are used to support security and basic functionality of a website, for example, to remember what language You selected or Your login details so that You need not re-enter them multiple times when visiting the website.
- We use session cookies, for example, to help Us to ensure security of Your use of Payz Service session and keep You signed in to Your Payz account profile while You move between pages of the Website or services of Your Payz account.
3.2 There is a difference between a ‘first party’ and ‘third party’ cookie:
- A ‘first party’ cookie. A cookie set by the website/mobile application owner (in this case PSI-Pay).
- A ‘third party’ cookie. A cookie set by parties other than the website/mobile application owner. Third party cookies enable third party features or functionality to be provided through the website/mobile application (for example, like advertising, interactive content and analytics). Where a cookie is a third party cookie, You should visit the relevant party’s website for more information.
PSI-Pay uses both first party and third party cookies.
3.3 More general information about cookies can be found on: All About Cookies (in English).
4. Your consent to Us to use cookies
4.1 When You visit the Website, We ask for Your consent to use cookies. If You continue to use Our Website without changing Your Internet browser settings, We will assume that You gave Your consent to Our use of cookies. If You do not accept the use of cookies, please disable them as explained below or in any other notice provided to You when You visit the Website or download the Mobile application.
5. Your control of Our use of cookies
5.1 You have the right to accept or disable cookies used on Our Website. You can exercise this right by visiting Our Website’s cookie settings, available here: Cookie Settings.
5.2 Any Internet browser visiting Our Website will receive cookies from Us. Most Internet browsers allow You to turn off cookies by changing Your Internet browser settings at any time. Please note that You will need to do this for each Internet browser that You use.
5.3 A brief information on deleting cookies may be found on: How to Delete Cookies (in English).
5.4 Internet browser manufacturers provide help pages relating to cookie management with respect to their products. Please see below for more information:
6. What happens if You turn off cookies
6.1 If You change Your Internet browser settings and turn off certain cookies, You will not be able to use Our Website in the way We intended and You will not be able to access some parts of the Website or to take full advantage of some features of Payz Services.
7. Use of cookies on Our Website
7.1 We use cookies to give You the best possible experience on Our Website and use of Payz Services. We use cookies for a variety of reasons. For example, We use cookies:
- To distinguish You from other Users and Business Entities that use Payz Services or from other visitors to the Website.
- To tailor the Website to Your preferences in line with Your settings and interests.
- To recognise when You are logged in to Your Payz account profile and allow Us to verify You and carry out some of Your identity and security validation and verification checks that We perform.
- To keep Your Payz account safe.
- To analyse how You use the Website and Payz Services.
- For advertising purposes.
- To help improve Payz Services.
8. Types of cookies that We use
8.1 Strictly necessary cookies:
These cookies are vital to Us for providing key features of the Website, such as to allow You to move around the Website, use its features, and to ensure security of Your experience of Payz Services. Without these cookies, services such as executing a Transaction and managing of Your Payz account profile cannot be provided. These cookies are activated when You visit Our Website. These cookies do not gather information from You for the purposes of marketing. By using the Website You agree that We can place these types of cookies on Your device. However, You can block them by changing Your Internet browser settings (please see Section 5 – Your control of Our use of cookies – of this Cookie Policy).
Payz | _atc | Used for the facilitation of affiliate program. | See: PSI-Pay Privacy Policy | Session | First Party |
userNeedsFullSite | Used for storing display preferences of the Website | Persistent (50 years) | |||
CookieAgreementShown | Shows the dialog about cookie announcement. | Persistent (50 years) | |||
AnalyticsCookieAgreement | Shows the dialog about analytics cookies. | Persistent (50 years) | |||
ShowCookiesMessage | Our notification about Our use of cookies. | Persistent (50 years) | |||
hideCookiesMessage | Close notification about Our use of cookies. | Persistent (50 years) | |||
clientPreferredLanguage | Stores Your selected language e.g en-GB. | Persistent (50 years) | |||
CompositeVersionString_-1561256516_371857150 | Version of Composite C1 (CMS). | Persistent (23 years) | |||
jqCookieJar_options | Holds functional information about Your session. | Persistent (9 months) | |||
promo_id | Used to see statistics of users using promotion links. | Persistent (2 weeks) | |||
RefereeID | Used to see statistics of users using referee links. | Persistent (3 months) | |||
sessionId | The session ID is a unique, randomly generated number that stores the session cookies. | Persistent (2 months) | |||
coreAuth | Used for authentication. | Persistent (2 months) | |||
file_token | Used to provide secure access to files hosted on our Services. | Persistent (2 weeks) | |||
Kayako | SWIFT_client | Used to remember Your preferences that are essential for the support section (live chat) of the Website. | See: Kayako Privacy Policy | Session | Third Party |
SWIFT_sessionid80 | Session | ||||
SWIFT_visitor | Persistent (1 day) | ||||
SWIFT_visitorsession | Session | ||||
TrustedDevice | Used for Google Authenticator functionality | See: Google Privacy Policy | Persistent (100 years) | Third Party | |
Microsoft | ASP.NET_sessionid | Unique identifier for session, identifies Your session and keep it secure. | See: Microsoft Cookies and Authentication | Session | Third Party |
.AspNetCore.Cookies | |||||
ASP.NET_SessionId_CoreService | |||||
.ASPXAUTH | |||||
CUID | |||||
ASP.NET_SessionId_UserSite | |||||
__RequestVerificationToken | This is an anti-forgery cookie set by web applications built using ASP.NET MVC technologies. It is designed to stop unauthorized posting of content to the Website, known as cross-site request forgery. It holds no information about You and is destroyed on closing the Internet browser. | See: ASP.NET MVC technologies | |||
WordPress | wordpress_test_cookie | Tests your browser if that accepts cookies. | See: Worpdress Privacy Policy | Session | Third Party |
wp-wpml_current_language | Stores the currently selected language. | ||||
Incapsula | visid_incap_* | Used for security purposes to filter out malicious requests. | See: Incapsula | Session | Third Party |
incap_ses_* | |||||
bf_lead | |||||
nlbi_* | Used to to ensure that user interactions with the website are sent to the the correct server. |
*Please note, that additional cookies, which are not mentioned in the table above, can be used by external providers.
8.2 Analytics and Customisation cookies and Advertising and Targeting cookies:
- Analytics and customisation cookies collect information about how You use Our Website. These cookies give You extra functionality, such as being able to ask Us to remember Your preferences. They are also used to identify You according to Your behaviour, to improve how Our Website works, and to improve Our customer experience. They allow Us to monitor how the Website is performing, so that We can improve it. These cookies do not collect information that identifies You, although they may collect Your IP address of the device used by You to access Our Website. They do not track Your browsing activity across other websites. By using the Website You agree that We can place these types of cookies on Your device. However, You can block them by changing Your Internet browser settings (please see Section 5 – Your control of Our use of cookies – of this Cookie Policy).
- Advertising and targeting cookies collect information about Your browsing habits. They are used to store Your behavioural information obtained through on-going observation of Your Internet browsing habits, which enables the development of a specific profile to show tailored advertising. By using the Website You agree that We can place these types of cookies on Your device. However, You can block them by changing Your Internet browser settings (please see Section 5 – Your control of Our use of cookies – of this Cookie Policy).
Google (doubleclick.net) | 1P_JAR | Used to collect Website statistics and track conversion rates. | See: Google Privacy Policy | Persistent (30 days) | Third Party |
AID | Used to link Your activity across devices on which You have previously logged in to Your Google account. | Persistent (1 year and 4 months) | |||
APISID | Used to store user preferences and information when viewing pages with Google maps on them. | Persistent (1 year and 6 months) | |||
HSID | Used to keep track of Your activity on individual websites to assist with security monitoring of logged in Google Account users. This cookie is also used for content and advertising personalization. | Persistent (1 year and 11 months) | |||
DV | Used to collect information about how You use Our Website. We use the information to compile reports and to help Us improve the Website. | Persistent (1 day) | |||
NID | Used to store Your preferences and other information, such as Your preferred language and how many search results You wish to be shown per page. | Persistent (6 months) | |||
CONSENT | Used for cookie consent setting. | Persistent (21 year) | |||
IDE | Used to register and report Your actions after viewing or clicking one of the advertiser’s ads with the purpose of measuring the efficacy of an ad and to present targeted ads to You. | Persistent (13 months – EEA and UK/ 24 months elsewhere) | |||
_dc_gtm_UA-* | Used to help to identify You from other visitors by either age, gender, or interests. | Persistent (1 minute) | |||
DSID | Used for re-targeting, optimization, reporting, and attribution of online adverts. | Persistent (2 weeks) | |||
__gads | Used for showing of adverts on the site, for which the owner may earn some revenue. | Persistent (2 years) | |||
__gfp_64b | Used to manage the acceptance of other cookies by the visitor to the site. | Persistent (2 years and 9 months) | |||
UULE | Used to collect information about how visitors use our site. | Persistent (6 hours) | |||
AEC | Ensure that requests within a browsing session are made by the user, and not by other sites. | Persistent (6 months) | |||
OTZ | This cookie is used to support Google’s advertising services. | Persistent (session or 2 years) | |||
SOCS | Used to store a user’s state regarding their cookies choices. | Persistent (13 months) | |||
Google Analytics | _gid | Used to distinguish You from other visitors of Our Website and to store session ID and to group the entire session’s activity together for each visitor. | See: Google Analytics Cookie Usage on Websites | Persistent (1 day) | Third Party |
_gat | Used to read and filter requests from bots. | Persistent (10 minutes) | |||
_ga, _ga_* | Used to distinguish and to collect information about how You use the Website. | Persistent (2 years) | |||
_gcl_au | Used to store and track conversions. | Persistent (2 months) | |||
_gali | Used to determine which links on a page are being clicked. | Persistent (57 seconds) | |||
test_cookie | Used to check whether the user’s browser accepts cookies or not. | Persistent (15 minutes) | |||
FPID | Registers statistical data on users’ behaviour on the website. Used for internal analytics by the website operator. | Persistent (2 years) | |||
FPLC | Registers a unique ID that is used to generate statistical data on how the visitor uses the website. | Persistent (20 hours) | |||
FPGSID | Registers statistical data on users’ behaviour on the website. Used for internal analytics by the website operator. | Session | |||
HMF_CI | Unclassified. | Persistent (30 days) | |||
___utmvc | This cookie enables Google Analytics. | Persistent (6 seconds) | |||
Google+ | SAPISID | Used in conjunction with the Google+1 button to enable You to share information publicly, as part of Your Google Profile. | See: Google Privacy Policy | Persistent (2 years) | Third Party |
SID | |||||
SSID | |||||
Microsoft clarity | MUID | Identifies unique web browsers visiting Microsoft sites. These cookies are used for advertising, site analytics, and other operational purposes. | See: Microsoft Clarity Privacy Policy | Persistent (1 year) | Third Party |
CLID | Identifies the first-time Clarity saw this user on any site using Clarity. | ||||
_clck | Persists the Clarity User ID and preferences, unique to that site is attributed to the same user ID. | ||||
_clsk | Connects multiple page views by a user into a single Clarity session recording. | Persistent (1 day) | |||
Bing | _uetvid | Used to store and track visits across websites. | See: Bing Policy | Persistent (13 months) | Third Party |
_uetsid | Persistent (1 day) | ||||
SRCHD | This cookie allows us to serve relevant advertisements to visitors across the Microsoft Bing network. | Persistent (2 years) | |||
BFB | This cookie helps us to target and track performance of advertising campaigns on the Bing advertising network. | Persistent (1 year) | |||
OID | This cookie is used as an identifier for an object in Microsoft’s identity system. | Persistent (3 months) | |||
ACL | Unclassified. | Session | |||
BFBUSR | This cookie helps us to target and track performance of advertising campaigns on the Bing advertising network. | Persistent (1 year) | |||
_HPVN | This is a Microsoft MSN 1st party cookie that ensures the proper functioning of the Website. | Persistent (1 year) | |||
SRCHHPGUSR | This cookie is an analytics service that connects data from the Bing advertising network with actions performed on the website. | Persistent (3 months) | |||
SRCHUSR | This cookie is an analytics service that connects data from the Bing advertising network with actions performed on the website. | Persistent (8 months) | |||
SUID | Collects information on user preferences and/or interaction with web-campaign content – This is used on CRM-campaign-platform used by website owners for promoting events or products. | Persistent (1 day) | |||
_EDGE_S | This cookie helps us to target and track performance of advertising campaigns on the Bing advertising network. | Session | |||
_SS | This cookie is used for Bing tracking. (Session, third party). | Session | |||
ACLUSR | Unclassified. | Persistent (13 months) | |||
SRCHUID | This cookie allows us to serve relevant advertisements to visitors across the Microsoft Bing network. | Persistent (2 years) | |||
OIDR | This cookie helps us to target and track performance of advertising campaigns on the Bing advertising network. | Persistent (3 months) | |||
_UR | Unclassified. | Persistent (1 month) | |||
OIDI | This is set by a third-party service Bing for advertisement tracking purposes. | Persistent (14 days) | |||
ipv6 | This cookie helps us to target and track performance of advertising campaigns on the Bing advertising network. | Session | |||
_Rwho | Unclassified. | Session | |||
RwBf | This is set by a third-party service Bing for advertisement tracking purposes. | Persistent (1 year) | |||
act | Facebook social plugin used for advertisement purposes (i.e. for re- targeting, optimization, reporting and attribution of online adverts). | See: Facebook Privacy Policy | Session | Third Party | |
fr | |||||
c_user | Persistent (1 day) | ||||
wd | Persistent (1 week) | ||||
xs | Persistent (3 months) | ||||
datr | Used to identify suspicious login activity and keep users safe. | Persistent (2 years) | |||
_fbp | Used to store and track visits across websites. | Persistent (3 months) | |||
X | muc_ads | Used to collect data on user behaviour and interaction in order to optimize the website and make advertisement on the website more relevant. | See: X Privacy Policy | Persistent (399 days) | Third Party |
personalization_id | Used to measure the performance of advertising campaigns through X, across different browsers and devices used by a visitor. | Persistent (2 years) | |||
ct0 | This cookie is used for authentication. | Session | |||
guest_id | This cookie is used for video functionality of Tweets off-X | Persistent (399 days) | |||
guest_id_ads | Collects information on user behaviour on multiple websites. This information is used in order to optimize the relevance of advertisement on the website. | ||||
guest_id_marketing | |||||
Atlassian Jira Servicedesk | ajs_anonymous_id | Used to collect information about how You use the Website. | See: Atlassian Privacy Policy | Persistent (1 year) | Third Party |
ajs_group_id | |||||
ajs_user_id | |||||
Oracle (Addthis) | __atuvc | Used to enable You to share content with a range of networking and sharing platforms. It stores an updated page share count. | See: Oracle Privacy Policy | Persistent (13 months) | Third Party |
__atuvs | This cookie is set by Addthis to make sure you see the updated count if you share a page and return to it before our share count cache is updated. | Persistent (1 year) | |||
Optimizely | _hp2_id.411455962 | Used to remember Your settings as well as for authentication and analytics. | See: Optimizely | Persistent (2 years) | Third Party |
optimizelyBuckets | Used to record Our variation that You have seen for each experiment. This allows Us to deliver a consistent experience on successive page loads. | Persistent (10 years) | |||
optimizelyEndUserId | Used to remember Your settings, as well as for authentication and analytics. | ||||
optimizelyEndUserId | Contains the end user’s unique identifier and is used to track information on a per user basis. | ||||
optimizelySegments | Used to remember Your settings, as well as for authentication and analytics. | ||||
optimizelyPendingLogEvents | Records Your activity. | Session | |||
optimizelySegments | Holds audience segmentation information for You. | Persistent (6 months) | |||
_ceg.s | Tracks how You interact with pages on a site. | Persistent (3 months) | |||
_ceg.u | |||||
_mkto_trk | Used to link Your behaviour to the recipient of an email marketing. | Persistent (2 years) |
*Please note, that additional cookies, which are not mentioned in the table above, can be used by external providers.
9. Cookies used by other parties
9.1 Websites belonging to or operated by third parties may contain links to Our Website with or without Our consent. Please note that third parties may also use cookies. These cookies are not related to Us and We have no control over them. You may be presented with these third party cookies and they might track Your use of Our Website. We are not responsible in any way for operation of third party cookies. You should check the relevant party’s website for more information.
10. Changes to this Cookie Policy
10.1 This Cookie Policy may change. You are responsible for ensuring You periodically visit Our Website and this Cookie Policy to check for any changes. If You (or the Business Entity You represent) have a Payz account, We will notify You (or the Business Entity You represent) before any material change to this Cookie Policy is due to take effect. We will do so by posting a notice of the changes on the Website and by sending a notification e-mail to Your (or the Business Entity You represent) e-mail address.
10.2 Any changes to this Cookie Policy will be effective from the date indicated in the notice posted on the Website and notified to You by e-mail (if You (or the Business Entity You represent) have a Payz account).
11. Contacting Us
11.1 If you have any questions, please contact Our Customer Support Service. You can contact the Customer Support Service via:
- e-mail at:
customersupport@payz.com (if You are a User)
businesssupport@payz.com (if You represent a Business Entity) - the ‘Contact’ page on the Website: (https://www.payz.com/) (only for questions).
11.2 The Customer Support Service is available 24/7 (namely, twenty-four hours every day) for any questions You may have.