About Cookies

Published: 2026-09-14

What is a cookie?

A cookie is a text file that a website saves on your computer. It cannot cause any harm nor does it contain viruses. Many websites use cookies to give visitors access to various functions. It is possible to use the information in cookies to track how visitors to a website navigate the website and the choices made by visitors during their visit to the website.

In accordance with local EU/EEC country legislations (see below for examples), anyone visiting a website with cookies must have access to information stating that the website contains cookies and the purpose for which cookies are used.

Local legislations

The following links goes to local legislations in the countries we operate in:

• Sweden: Swedish Electronic Communications Act

• Norway: Lov om elektronisk kommunikasjon (ekomloven)

• Denmark: Cookiebekendtgørelsen

• Finland: Evästeet

Supervisory authorities and right to lodge a complaint

The processing of personal data via cookies is governed by GDPR and national legislation in each country where PayEx operates. You have the right at any time to lodge a complaint with the relevant supervisory authority if you consider that our handling of your personal data or cookies does not comply with applicable legislation (GDPR Article 77).

The responsible supervisory authorities in the countries where PayEx operates are:

Sweden IMY — Integritetsskyddsmyndigheten (GDPR supervision)

Sweden PTS — Post- och telestyrelsen (Electronic Communications Act supervision)

Norway Datatilsynet (GDPR and Ekomloven supervision)

Denmark Datatilsynet (GDPR supervision)

Denmark Erhvervsstyrelsen (cookie regulation supervision)

Finland Tietosuojavaltuutettu — Office of the Data Protection Ombudsman

Finland Traficom / Kyberturvallisuuskeskus (cookie regulation supervision)

We recommend that you contact us in the first instance if you have any questions or comments about our handling of cookies. You can reach us at privacy@payex.com.

Cookies on PayEx' websites

We use persistent cookies and session cookies as described below. The information in these cookies is only linked to your computer (via your IP address) and your visit to PayEx websites.

What do we use cookies for?

We use our own cookies and third-party cookies from trusted providers for, among other purposes, usage analysis that forms the basis for improving our website. We also use cookies to deliver certain functionality, such as customer service and chat functions.

What types of cookies do we use?

A complete list of cookies we use, their origin and their lifetime is given in the table further down on this page.

Session cookies
Session cookies are stored temporarily in your computer’s memory while you are browsing a website. Session cookies are not stored permanently but disappear once you close the browser.

Persistent cookies
Persistent cookies save a file on your computer for a predetermined period (see details in table below). They are used, for example, to enable the website to recognize you and your chosen preferences.

Third-party cookies
Cookies collect data that is used to improve PayEx websites, ads and offers, and to provide functionality.

Targeting cookies are used to:

• Collect information about page visits on the websites, and personal information to provide targeted ads on third party platforms.

Performance cookies are used to:

• Calculate the number of unique visitors to the website and collect anonymous information about user behavior. This type of cookie expires after two years.

The web platform sets session cookies that collect information to:

• See if you are a recurring visitor.

• Identify individual sessions.

• Ensure that you can access the website over time and that the same server is used throughout your site visit.

The website’s cookie management tool sets cookies to:

• Enable cookie management and user preferences.

• Determine whether or not cookies are enabled in the browser.

Consent to cookies on PayEx websites

Your consent is required to set cookies that are not technically necessary for the website to function. Consent is given by making an active choice in our cookie banner or via the settings view below — passivity, pre-ticked boxes or continued browsing do not constitute valid consent.

Your consent is always voluntary, and you may change or withdraw it at any time. Withdrawing your consent must be as easy as giving it. You may withdraw your consent by clicking the "Change Settings" button below and selecting "Reject All", or by adjusting your choices on a category-by-category basis.

We document your consent – including the date and time and the choices you have made — in accordance with GDPR's accountability requirements. If you would like information about your recorded consent, please contact us at privacy@payex.com.

What constitutes valid consent?

Under GDPR and the applicable national electronic communications legislation in the countries where PayEx operates, consent to cookies is only valid if it is:

• Freely given — you must not suffer any detriment if you choose not to accept non-essential cookies. Strictly necessary cookies that are essential for the website to function do not require consent.

• Specific — you may give consent on a category-by-category basis (e.g. marketing, measurement, preferences) and are not required to accept all or nothing.

• Informed — you must have access to clear information about which cookies are used, for what purpose, and by which providers, before giving your consent.

• Unambiguous — consent is given by a clear affirmative action, such as clicking "Accept All" or saving your customised choices. Continued browsing or pre-ticked boxes do not constitute valid consent.

Managing cookies in your browser

The following external links explains how to manage your cookies in popular browsers:

• Google Chrome

• Microsoft Edge

•  Mozilla Firefox

• Opera