TWPayz Cookie Policy
Last Updated: 11th August 2026
Introduction
This Cookie Policy explains how TWPayz uses cookies and similar technologies when you access or use our websites, online services and, where applicable, mobile applications (collectively, the “Sites”).
TWPayz is the trading name used by Transactworld Limited and Payment Infosys Limited.
References to “TWPayz”, “we”, “us” or “our” refer to the relevant TWPayz entity responsible for the website, product or service you are using. Each entity remains separately responsible for its own activities and compliance with the laws applicable to its services.
The relevant TWPayz entity will generally be identified in your customer agreement, Privacy Policy, Terms of Use or other applicable documentation.
What Are Cookies?
Cookies are small text files placed on your device when you visit a website. They allow websites to recognise your device, maintain secure sessions, remember preferences, understand how websites are used and provide certain functionality.
For the purposes of this Policy, “cookies” also includes similar technologies such as tracking pixels, tags, scripts and local storage technologies.
How We Use Cookies
Depending on the Site or service, TWPayz may use cookies and similar technologies to:
Operate and secure our Sites
Authenticate users and maintain sessions
Prevent and detect fraud
Remember preferences
Monitor website performance
Understand how our Sites are used
Improve our services
Where applicable, support marketing and advertising activities
The cookies used may differ between TWPayz websites, applications and services.
Types of Cookies
Strictly Necessary Cookies
These cookies are required for the operation, security or functionality of our Sites and services. They may be used for authentication, security, fraud prevention and other essential functions.
Where permitted by applicable law, strictly necessary cookies may be used without consent.
Functionality Cookies
These cookies allow our Sites to remember preferences and provide enhanced functionality.
Where consent is required, these cookies will only be used after the appropriate consent has been obtained.
Analytics and Performance Cookies
These cookies help us understand how visitors use our Sites and help us monitor and improve website performance and functionality.
Where consent is required, analytics cookies will only be used following consent.
Marketing and Advertising Cookies
Where used, these cookies may help measure advertising effectiveness or support relevant marketing activities.
These are non-essential cookies and will only be used where the applicable consent requirements have been satisfied.
Session and Persistent Cookies
Session cookies are temporary and generally expire when you close your browser.
Persistent cookies remain on your device for a defined period or until they are deleted.
First-Party and Third-Party Cookies
First-party cookies are placed by the relevant TWPayz entity or a service provider acting on its behalf.
Third-party cookies are placed or accessed by third parties through our Sites. These may support services such as analytics, security, functionality or advertising.
Where third-party technologies are used, the relevant TWPayz entity will take appropriate steps to ensure applicable privacy and consent requirements are addressed.
Cookie Consent
Where cookies or similar technologies are not strictly necessary, TWPayz will obtain consent before using them where required by applicable law.
Simply browsing or continuing to use a TWPayz Site does not, by itself, constitute consent to non-essential cookies where consent is required.
Where a cookie preference tool is available, you may be able to:
Accept or reject non-essential cookies
Select individual cookie categories
Change or withdraw your consent
You may also manage cookies through your browser settings. Blocking certain cookies may affect the functionality of some parts of our Sites.
Personal Data
Some cookies and similar technologies may process information that constitutes personal data, such as IP addresses, device information, browser details, identifiers and information about interactions with our Sites.
Where personal data is processed, it will be handled in accordance with applicable data protection legislation and the Privacy Policy of the relevant TWPayz entity.
TWPayz Entities and Applicable Requirements
Transactworld Limited – United Kingdom
Transactworld Limited is authorised and regulated by the Financial Conduct Authority (“FCA”) as an Electronic Money Institution under the Electronic Money Regulations 2011, FCA Firm Reference Number 900405.
Where Transactworld Limited is responsible for the relevant Site or service, applicable UK requirements include the UK GDPR, Data Protection Act 2018 and Privacy and Electronic Communications Regulations 2003 (“PECR”), together with relevant regulatory guidance.
Payment Infosys Limited – Mauritius
Payment Infosys Limited is incorporated in Mauritius and is licensed and regulated by the Financial Services Commission of Mauritius (“FSC”) to conduct Payment Intermediary Services under the Financial Services Act 2007.
Where Payment Infosys Limited is responsible for the relevant Site or service, applicable Mauritius privacy, data protection and electronic communications requirements will apply.
Changes to This Policy
We may update this Cookie Policy to reflect changes to our Sites, cookies, technology, third-party providers or applicable legal and regulatory requirements.
The “Last Updated” date will be amended when material changes are made.
Contact
For questions about cookies or similar technologies, please contact the relevant TWPayz entity using the contact details provided in the applicable Privacy Policy or customer documentation.