Philip Harding Archives - PaymentExpert.com

Always Enabled

Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.

Cookie	Duration	Description
__cf_bm	30 minutes	This cookie, set by Cloudflare, is used to support Cloudflare Bot Management.
ARRAffinity	session	ARRAffinity cookie is set by Azure app service, and allows the service to choose the right instance established by a user to deliver subsequent requests made by that user.
ARRAffinitySameSite	session	This cookie is set by Windows Azure cloud, and is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session.
botd-request-id	session	No description
cf_clearance	30 minutes	cf_clearance specifies the duration our website is accessible to a visitor that successfully completed a previous Captcha or JavaScript challenge
cf_use_ob	past	Cloudflare sets this cookie to improve page load times and to disallow any security restrictions based on the visitor's IP address.
cli_user_preference	1 year	This cookie is set by GDPR Cookie Consent plugin. The purpose of this cookie is to store whether or not the user has given consent for cookie usage. It does not store any personal data.
CONSENT	2 years	YouTube sets this cookie via embedded youtube-videos and registers anonymous statistical data.
cookielawinfo-checkbox-advertisement	1 year	Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category .
cookielawinfo-checkbox-analytics	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional	11 months	The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
CookieLawInfoConsent	1 year	This cookie is set by GDPR Cookie Consent plugin. It records the default button state of the corresponding category & the status of California Consumer Privacy Act (CCPA). It works only in coordination with the primary cookie, viewed_cookie_policy.
isChecked	4 hours	No description
matomo_sessid	14 days	A security cookie that prevents Cross-Site Request Forgery (CSRF) issues when using opt-out features. Contains no personal identification information.
mtm_consent_removed	30 years	Placed only when you choose to opt out of tracking. This cookie remembers your preference to not be tracked on future visits.
mtm_cookie_consent	30 years	Records your consent status for analytics tracking. This cookie remembers that you've given consent to the use of cookies.
PHPSESSID	session	This cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed.
viewed_cookie_policy	11 months	The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
VISITOR_INFO1_LIVE	5 months 27 days	A cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface.
YSC	session	YSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages.
yt-remote-connected-devices	never	YouTube sets this cookie to store the video preferences of the user using embedded YouTube video.
yt-remote-device-id	never	YouTube sets this cookie to store the video preferences of the user using embedded YouTube video.
yt.innertube::nextId	never	This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.
yt.innertube::requests	never	This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.

Functional

Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.

Cookie	Duration	Description
bcookie	2 years	LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser ID.
bscookie	2 years	LinkedIn sets this cookie to store performed actions on the website.
lang	session	LinkedIn sets this cookie to remember a user's language setting.
lidc	1 day	LinkedIn sets the lidc cookie to facilitate data center selection.
UserMatchHistory	1 month	LinkedIn sets this cookie for LinkedIn Ads ID syncing.

Analytics

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.

Cookie	Duration	Description
_ga	2 years	The _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognize unique visitors.
_gat_UA-5372665-29	1 minute	A variation of the _gat cookie set by Google Analytics and Google Tag Manager to allow website owners to track visitor behaviour and measure site performance. The pattern element in the name contains the unique identity number of the account or website it relates to.
_gid	1 day	Installed by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website's performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously.
_hjAbsoluteSessionInProgress	30 minutes	Hotjar sets this cookie to detect the first pageview session of a user. This is a True/False flag set by the cookie.
_hjFirstSeen	30 minutes	Hotjar sets this cookie to identify a new user’s first session. It stores a true/false value, indicating whether it was the first time Hotjar saw this user.
_hjIncludedInPageviewSample	2 minutes	Hotjar sets this cookie to know whether a user is included in the data sampling defined by the site's pageview limit.
_hjIncludedInSessionSample	2 minutes	Hotjar sets this cookie to know whether a user is included in the data sampling defined by the site's daily session limit.
_pk_cvar	30 minutes	Stores custom variables about your visit to provide additional analytics data about how you interact with our site during your session.
_pk_hsr	30 minutes	Used exclusively for heatmap and session recording features to analyze how visitors interact with our website. It captures data about areas of the page you interact with.
_pk_id	13 months	Creates a unique identifier to recognize returning visitors. This cookie tracks visitor interactions on the site including page views, eCommerce activity, goal completions, and attribution across sessions.
_pk_ref	6 months	Stores information about how you arrived at our site, including referral source (search engine, social media, external website, or campaign URL) to help us understand our traffic sources.
_pk_ses	30 minutes	Links all actions performed during a browsing session (page views, downloads, events) to a single visit for accurate analytics measurement.
_pk_testcookie	end of session	A temporary technical cookie that checks if your browser supports cookies. It is automatically deleted when you close your browser.
_pk_uid	13 months	Enables cross-domain tracking to recognize the same visitor across multiple domains and subdomains of our website.
iutk	5 months 27 days	This cookie is used by Issuu analytic system to gather information regarding visitor activity on Issuu products.
MatomoAbTesting	No expiry	Ensures you consistently see the same version of webpages when A/B testing is in progress, maintaining your testing group across different browsing sessions.

Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.

Cookie	Duration	Description
_fbp	3 months	This cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising, after visiting the website.
fr	3 months	Facebook sets this cookie to show relevant advertisements to users by tracking user behaviour across the web, on sites that have Facebook pixel or Facebook social plugin.

Others

Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.

Cookie	Duration	Description
_hjSession_1581933	30 minutes	No description
_hjSessionUser_1581933	1 year	No description
AnalyticsSyncHistory	1 month	No description
bsid	never	No description available.
li_gc	2 years	No description
li_sugr	3 months	No description available.
streetsign1	1 day	No description available.
wisepops	2 years	No description available.
wisepops_activity_session	session	No description
wisepops_session	session	No description available.
wisepops_visits	2 years	No description available.

FCA to regulate BNPL from 2026

TrueLayer CEO slams card fee ‘duopoly’ in Europe

Digital euro central to ECB plan for payment sovereignty

Monzo enters new era of real-time payment control with undo feature

Yavrio CEO shares how the US is building out its Open…

Learning from Wise’s $45K compliance error

Fintech Unwrapped:ClearBank’s global API push and MoonPay’s stablecoin stride with Mastercard

Why first-party fraud is payments’ most dangerous blind spot

ID Check: Zumo’s Nick Jones – Why resilience is key in…

Is Coinbase’s S&P 500 launch a wake up call for the…

UK Gambling risks losing crypto bettors offshore

Dubai takes key step towards cashless future with Crypto.com

Apple Pay outage disrupts US transactions

Learning from Wise’s $45K compliance error

Why first-party fraud is payments’ most dangerous blind spot

PSR sees early success in APP fraud reimbursement

Yavrio CEO shares how the US is building out its Open…

ID Check: Zumo’s Nick Jones – Why resilience is key in…

Brazil’s betting reforms reshape the payments landscape says Pay4Fun CEO

Worldpay: BNPL set to challenge cards by 2030

Apple Pay outage disrupts US transactions

FCA to regulate BNPL from 2026

Yavrio CEO shares how the US is building out its Open…

PSR sees early success in APP fraud reimbursement

Tag: Philip Harding

ID Check: Cashflows’ Philip Harding – Why you shouldn’t be afraid...

Latest News

Apple Pay outage disrupts US transactions

FCA to regulate BNPL from 2026

Yavrio CEO shares how the US is building out its Open...

Learning from Wise’s $45K compliance error

Fintech Unwrapped:ClearBank’s global API push and MoonPay’s stablecoin stride with Mastercard