Cookie policy

What are cookies?

A cookie is a small text file that a website stores on your computer or mobile device when you visit the site.

The first time you visit our website, you will be prompted to accept or refuse cookies.

The purpose is to enable us to remember your preferences (such as user name, language, etc.) for a certain period of time. This means that you don’t have to re-enter your preferences while browsing the site.

Cookies can also be used to establish anonymised and aggregated statistics about the browsing experience on our sites.

How does Billhop use cookies?

At Billhop, we want you to have the smoothest website experience possible. We therefore use cookies and other tools to assess the quality of your experience as well as your on-site behaviour. We have different purposes for your cookies, e.g.:

  • Making sure your user experience is smooth (e.g. the correct website language and country)
  • Being able to assist you when you register for our service, pay an invoice or want to give us feedback
  • Analysing how you use our website to make sure it functions properly
  • Minimising irrelevant ads

Strictly necessary cookies

There are some cookies that we have to include in order for certain web pages to function. Necessary cookies are essential for the website to function properly and they can therefore not be switched off.

You can change your settings in your web browser to block or warn you about these cookies, but this may affect how the website functions. The necessary cookies do not save any of your personal data, they just give you a better experience of our website.

On Billhop, we use necessary cookies in e.g. the customer support chat.

We also store your IP address during your session to make sure that no one else can login to your account using the same session ID from another IP address.

Examples of these types of cookies include:

  • lc _ sso - LiveChat Session
  • _ _ lc.visitor _ id - Livechat userId
  • _ _ livechat _ lastvisit - Livechat last visited domain

Functional cookies

Functional cookies are used to recognise you and remember your preferences or settings when you return to our site, so that we can provide you with a more personalised experience. These cookies cannot track your browsing activity on other websites. They don’t gather any information about you that could be used for advertising or remembering where you’ve been on the Internet outside our site.

Functional cookies help us remember your preferences and choices when using our platform. For example, if you sign in using BankID (Sweden) or by using your email and password, the next time you visit the sign-in page you will be prompted with the same login choice as before.

Analytics cookies

These cookies allow us to employ data analytics so we can measure and improve the performance of our site and provide more relevant content to you.

Analytics cookies help us count website visits and sources of traffic so that we know how our pages perform and let us monitor how visitors navigate our website.

We use Google Analytics 4 & Microsoft Clarity to gather analytics cookies.

The data we collect:

  • Browser type
  • Operating System
  • Mobile Device Information
  • Which of our pages you visited
  • Which pages were most relevant or helpful for you
  • How long you spent on the website
  • When you visited our website last
  • References (where you came from)

All information that these cookies collect is aggregated and therefore anonymous.

At Billhop, we collect the following analytics cookies via GA4:

  • _ga
  • _gid
  • gac_gb<container-id>
  • ga<container-id>

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:

We use Microsoft Clarity to help us understand what users want, care about and do on our site.

  • _clck
  • _clsk
  • CLID
  • MR
  • MUID
  • SM

For more information, see Microsoft’s cookie list to learn more about the cookies Clarity sets, cookie consent, how to opt-out & data collection.

Marketing Cookies

These cookies make sure that the information and ads you see are relevant for you, adapted to your behaviour online. But to be sure that you’re not flooded with the same ads, these cookies also limit the exposure of some ads and can measure the efficiency of a campaign.

Some of these cookies are called third party cookies that are managed by AdTraction, Bing, Facebook, Google, Outbrain and LinkedIn. Through the third party cookies, the last four companies can forward and save your information about your use of the webpage (including your IP address) to countries outside the EU. These third parties can also transfer your information to other third parties if required by law.

Thus, when you consent to the use of these cookies, you also explicitly and unequivocally consent to personal data, or parts thereof, can be transferred, according to the information above, to recipients in countries that can provide different, less or even inadequate protection of personal data compared to the standards that are applicable in the jurisdiction you live or work in or where you contacted us.

Marketing cookies are used for the following purposes:

  • Analyze behaviour to develop and improve website design and content
  • Build segments for advertising based on visitor behaviour
  • View relevant ads for previous visitors
  • Minimize irrelevant ads to some visitors
  • Track visitor behaviour on different versions of the site

Below we have listed each cookie application we use and the purpose of using them

Strictly necessary Cookies

  • Livechat - Allows our customer support to chat with users on the Billhop website

Functional Cookies

  • Google Analytics - Allows us to see how many users are on the Billhop website, which pages they are on.
  • Google Tag Manager - Manages all other cookies on the website

Analytics Cookies

  • Microsoft Clarity - Allows us to see how many users are on the Billhop website, which pages they are on.
  • Google Analytics - Allows us to see how many users are on the Billhop website, which pages they are on.
  • Google Tag Manager - Manages all other cookies on the website

Marketing Cookies

  • Google Ads - Shows us how effective our Billhop ads are by tracking how many users click through to our website from a particular ad
  • Facebook - Shows us how effective our Billhop ads are on Facebook and what kinds of users are interested in Billhop.
  • Bing - Microsoft cookies work in the same way as Google ads, with the difference that they are used in Microsoft networks.
  • Linkedin - Used to show how effective our advertising and remarketing activities are on its own platform.
  • Adtraction - Billhop participates in various advertising programs via Adtraction AB. Adtraction is an advertising network that provides marketing and sales services.
  • Outbrain - Determines how the user accessed the website. This information is used by the website operator in order to measure the efficiency of their marketing.

Click any of the above to learn more about and manage your cookie settings.

How can you manage cookies?

You can delete all cookies that are already on your device by clearing the browsing history of your browser and setting your preferences on how local information can be saved. This will remove all cookies from all websites you have visited.

Be aware though that you may also lose some saved information (e.g. saved login details, site preferences) that can affect the functionality of our site on your next visit.

Please see links below on how to manage your cookie settings:

Default expiration times

  • _pk_id – 13 months (used to store a few details about the user such as the unique visitor ID)

  • _pk_ref – 6 months (used to store the attribution information, the referrer initially used to visit the website)

  • _pk_ses, _pk_cvar, _pk_hsr – 30 minutes (short lived cookies used to temporarily store data for the visit)

  • _pk_testcookie is created and should be then directly deleted (used to check whether the visitor’s browser supports cookies)

  • mtm_consent (or mtm_consent_removed) are created with an expiry date of 30 years to remember that consent was given (or removed) by the user. _paq.push([‘rememberConsentGiven’, optionallyExpireConsentInHours]).

  • mtm_cookie_consent is created with an expiry date of 30 years to remember that consent for storing and using cookies was given by the user.

  • _ga, 2 years, Used to distinguish users.

  • _gid, 24 hours, Used to distinguish users.,

  • ga<container-id>, 2 years, Used to persist session state.

  • gac_gb<container-id>, 90 days, Contains campaign related information.

More information

You can find more information about cookies, which cookies are stored on your device and how you can handle them at and

Billhop AB is a Swedish payment institute, authorised and regulated in Sweden by the Swedish Financial Supervisory Authority. We are exempt from the prohibition, in regulation 138 of the UK Payment Services Regulations 2017, on providing payment services in the United Kingdom and we are not authorised by the UK Financial Conduct Authority. Billhop upholds industry best-in-class security standards including 2FA and issuer security solutions such as 3DS. All client funds are safeguarded through standard client funds account setup.