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font-weight: 600; font-family: 'Barlow', Open Sans; font-size: 34px !important; margin-top: 15px; line-height: 48px; } .main-head { margin: 40px 0 10px; } .sec-head { color: #190d37 !important; font-weight: 500; font-family: 'Barlow', Open Sans; font-size: 24px !important; margin-top: 15px; line-height: 42px; margin: 30px 0 5px; } #difference, .link { color: #e51040 !important; } .entry-content p, .entry-content li { font-size: 21px; letter-spacing: -0.004em; line-height: 1.58; font-family: 'Barlow', Open Sans; } .entry-content li { margin-bottom: 15px; font-size: 20px; color: #667182; font-family: Barlow; font-weight: 300; line-height: 32px; } .testimonials { margin: 30px 0; background-color: #f6f6f6; padding: 24px; } .testimonials .test { font-size: 18px; padding: 0 25px; } .testimonials .test-name { font-weight: 500; font-size: 13px; color: #e51040; } .test-title { display: flex; align-items: center; margin: 0 0 30px; } .test-head { color: #190d37 !important; font-weight: 500; font-family: 'Barlow', Open Sans; font-size: 35px !important; line-height: 42px; padding-right: 15px; } .inline { display: inline; } .no-marg { margin: 0 !important; } .row-1.odd th { text-align: center !important; font-weight: 500; } .row-3 .column-1 { color: #171035 !important; } tr.row-1.odd th { background-color: #f1f1f2; border: solid #8e8e8e 1px; } th.column-1 { background-color: #171035 !important; color: #FFF; } td { border: solid #8e8e8e 1px !important; } .column-1 { font-weight: 600; color: #414042; } .tablepress { margin-left: -10px; margin-top: 2em; margin-bottom: 2em; } .cta-bottom button { background-color: #e51646; width: 200px; padding: 10px 15px; font-size: 17px; margin: 30px auto 0; border: solid 1px #b3b3b3; } .cta-bottom { text-align: center; margin: 50px auto; width: 92%; border-radius: 15px; padding: 50px 20px; background-color: #404a58; color: #fff; font-size: 30px; display: flex; flex-direction: column; } /*Popup Form*/ .gfield_label { color: #000; font-size: 15px !important; font-weight: 400 !important; } #gform_submit_button_8, #gform_submit_button_13 { background-color: #e51646 !important; border: solid 1px #e51646; padding: 15px 20px; font-size: 19px; } @media (max-width: 755px) { .download-box { flex-wrap: wrap; } } #popmake-13392, #popmake-13731, #popmake-13898, #popmake-14043 { background: #fff; } #gform_5, #gform_13, #gform_18, #gform_24 { padding: 10px 20px; } .name_first, .name_last { color: #000; } .name_last { width: 50% !important; } .gfield_label { color: #000; font-size: 18px !important; margin-bottom: 0px; } .ginput_container select { height: 36px; } #popmake-13898 .ginput_container input { color: #000; font-weight: 300; } .link-section { background-color: #e8e7e8; padding: 20px 25px; font-size: 16px; font-family: Barlow; font-weight: 300; line-height: 32px; margin: 25px 0px; box-shadow: 1px 1px 5px 0px #adadad; } .link-section p { font-weight: 500; } .pop-title { color: #000; margin: 1em 0.4em 0; } .gform_button { background-color: #e41646 !important; border: none !important; }</style><style id="wp-custom-css">/**GENERAL**/ h3 {letter-spacing: normal;} /**NEW CARDKNOX CUSTOM HOVER**/ .resources-section .elementor-column-wrap.elementor-element-populated { padding: 0 !important; } .elementor-17229 .item8 .elementor-column-wrap:hover .elementor-element.elementor-element-14ebfbf .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-White-Glove-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 66px auto; } .elementor-17229 .item7 .elementor-column-wrap:hover .elementor-element.elementor-element-8b4f9b9 .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-Management-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 44px auto; } .elementor-17229 .item6 .elementor-column-wrap:hover .elementor-element.elementor-element-eaa5f93 .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-Risk-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 53px auto; } .elementor-17229 .item5 .elementor-column-wrap:hover .elementor-element.elementor-element-18dce00 .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-End-to-End-Control-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 64px auto; } .elementor-17229 .item4 .elementor-column-wrap:hover .elementor-element.elementor-element-75ac44a .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-Rapid-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 55px auto; } .elementor-17229 .item3 .elementor-column-wrap:hover .elementor-element.elementor-element-8a004a6 .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-Integration-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 64px auto; } .elementor-17229 .item2 .elementor-column-wrap:hover .elementor-element.elementor-element-795ceaa .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-Lowered-Cost-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 58px auto; } .elementor-17229 .item1 .elementor-column-wrap:hover .elementor-element.elementor-element-ddfc691 .elementor-widget-container { background-image: url("https://www.cardknox.com/wp-content/uploads/Icon-money-animated.gif"); background-position: center left; background-repeat: no-repeat; background-size: 360px auto; } /*****************/ @media only screen and (min-width: 641px) { .ginput_complex.ginput_container.gf_name_has_2 span { width: 37.5% !important; } } #header { padding-bottom: 0px !important; } .left-hand, .left-hand-2 { color: #fff; font-size: 21px; } .left-hand { font-weight: 500; font-size: 26px; } .box-content-approch p { width: 100% !important; } form#mc4wp-form-2 { text-align: center; } .popup-input { margin: 10px auto 20px; font-size: 22px !important; } .popup-submit { color: #fff !important; background-color: #E51646 !important; border-color: #c1022e !important; font-size: 1.2em !important; padding: 10px 16px !important; line-height: 1.333333 !important; font-weight: 500; width: 160px !important; } .mc4wp-success { color: #fff; font-size: 25px; } .mc4wp-form-basic .mc4wp-notice { font-size: 19px; margin-top: 15px; color: #4fc4ff } .pum-theme-5063 .pum-container { padding: 40px; border: none; border-radius: 20px; } button.pum-close.popmake-close { background-color: #fff !important; right: -13px !important; top: -11px !important; } .pum-theme-5063 .pum-content + .pum-close, .pum-theme-lightbox .pum-content + .pum-close { color: #2f1038; border: 2px solid #2f1038; } .pardot { background: #4d0d43; max-width: 80%; margin: 0 auto; display: block; height: 700px; } a { color: #e51646; } a:active, a:hover { color: #c30d37; } .mc4wp-form-basic .mc4wp-success, .mc4wp-form-theme .mc4wp-success { color: #fff; } .remote-btn { margin-top: 10px; color: #fff; background-color: #e51646; border: none; border-radius: 6px; } .mc4wp-form-basic { text-align: center; } .whats-new { color: #404a58; display: block; padding-bottom: 30px; } .whats-new:hover { color: #404a58 !important; text-decoration: none; } /* Banner Covid-19 */ .simple-banner .simple-banner-text { line-height: 1.5;} .simple-banner .simple-banner-text a { color: #fff; text-decoration: none; font-weight: 400; } .simple-banner .simple-banner-text a:hover { text-decoration:underline; } .left-part { display: block; } .right-part { display: block; } @media (min-width: 675px) { .right-part { display: inline-block; } .left-part { display: inline-block; border-right: 1px solid #FFFFFF4D; padding-right: 24px; margin-right: 24px; } } /* Signin Button */ .sign-in-heading { color: #000; text-align: center; font-size: 26px; font-weight: 400; line-height: 1.3em; font-family: Barlow; } .sign-in-btn { background: #E51646; font-family: Barlow; color: #fff; margin: 0 auto; display: block; padding: 10px 25px; border: none; font-size: 18px; font-weight: 500; border-radius: 6px; } .sign-in-body { color: #000; text-align: center; padding-bottom: 30px; } .sign-portal-link:hover { text-decoration: none; } .feature-badges { display: flex; justify-content: space-around; flex-direction: row; padding: 20px 0; } .feature-badges > div { background-color: #fb8256; padding: 8px 12px; border-radius: 23px; color: #fff; box-shadow: 0 10px 10px -6px #b1b1b1; font-weight: 500; } /* Uber Menu CSS */ .ubermenu-submenu-type-flyout .ubermenu-target-title { font-size: 15px; font-weight: 500; margin-bottom: 5px; } .ubermenu-item-level-3 a:hover .ubermenu-target-title, .ubermenu-item-level-1 a:hover .ubermenu-target-title { text-decoration: underline; } .ubermenu-item-level-3 a .ubermenu-target-title, .ubermenu-item-level-1 a .ubermenu-target-title { color: #E51646 !important; } .ubermenu .ubermenu-submenu-type-stack>.ubermenu-item-normal>.ubermenu-target { padding-top: 15px !important; padding-bottom: 15px !important; } .ubermenu-item-level-3 .ubermenu-target-title, .uber-custom-title { font-weight: 500; color: #404A58; font-size: 15px; margin-bottom: 4px; } .ubermenu-main .ubermenu-submenu .ubermenu-item-header > .ubermenu-target span { margin-top: 7px; } .ubermenu-submenu-id-13483 { background: rgb(255,255,255) !important; background: linear-gradient(90deg, rgba(255,255,255,1) 0%, rgba(249,251,253,1) 50%, rgba(243,246,249,1) 100%) !important; } .nav-plugin-title { color: #404A58; text-transform: uppercase; letter-spacing: 0.5px; font-weight: 600; font-size: 13px; } .nav-flex { display: flex; justify-content: space-between; padding-right: 50px; } .nav-flex .plug-left a, .nav-flex .plug-right a { color: #E51646; } .nav-flex .plug-left a:hover, .nav-flex .plug-right a:hover { text-decoration: underline !important; } .plug-left, .plug-right { line-height: 1.7em; padding-top: 10px; color: #667182; } .plug-right { text-align: right; } .plug-left { padding-right: 20px; } .ubermenu-responsive-toggle { padding: 15px 0px; display: none; } #ubermenu-main-1130-main_menu-2 { display: none; } #respond { display: none; } /* #header .mobile-toggle { display: none !important; } @media (max-width: 900px) { body { background-color: #5d103e !important } .vc_custom_1579117014640 { margin-top: -181px !important; } .ubermenu-main .ubermenu-item-level-0 > .ubermenu-target { color: #000; } } */ .tg-filters-holder span { font-size: 18px !important; padding: 0 10px; font-weight: 300 !important; color: rgba(64, 74, 88, .4) !important; margin-bottom: 30px !important; } .tg-filter.tg-filter-active.tg-nav-color.tg-nav-border.tg-nav-font.tg-show-filter span { color: #404A58 !important; font-weight: 600 !important; border-bottom: 1px solid red; } /* Guides page */ .page-top.page-header-1 .page-title { font-weight: 500 !important; margin-bottom: 10px; } .posts-grid .grid-box { min-height: 570px; padding: 10px 14px; } a.btn.btn-xs.btn-primary.pt-right { background-color: #e51546; border: none; font-size: 16px; padding: 6px 10px; } article.post.post-title-simple .entry-title { font-size: 24px; line-height: 1.2em; } /* Footer COLMUN 1 spacing */ .contact-menu li { line-height: 2.1em; } /* Footer COLMUN 4 social links */ #follow-us-widget-3 { margin: 10px 0 !important; } a.share-instagram { background-color: #dd2a7b !important; } .share-links a:hover { color: #f3f3f3 !important; } /* Blog single posts */ /* .post-content p { font-size: 20px; color: #667182; font-family: Barlow; font-weight: 300; line-height: 32px; } */ .category-blog .post-content .entry-title { display: none; } form.post-password-form { margin: 200px auto; max-width: 700px; text-align: center; } form.post-password-form input[type='submit'] { background-color: #e51646; border: none; margin: 0 5px; width: 90px; } form.post-password-form:after { content: 'If you cannot access, please contact Agent Support for current password.'; } .darkmenu #header .header-main .header-contact a { color: #000 !important; } body.darkmenu a.mobile-toggle { color: #000 !important; } @media screen and (max-width: 959px) { .ubermenu-responsive-default.ubermenu-responsive.ubermenu-responsive-nocollapse ul li a { color: #000 !important } } /* Elementor Page Styles */ .is-flex { display: flex; } .small-marg-top { margin-top: 15px; } .center-flex { align-content: center; justify-content: center; } .ele-hero { background: transparent linear-gradient(180deg, #150238 0%, #2F185A 52%, #42237B 82%, #6E46B9 100%) 0% 0% no-repeat padding-box; opacity: 1; } .box-intro { background-color: #FFF; padding: 20px; box-shadow: 0px 3px 6px #00000029; border-radius: 5px; min-height: 250px; font-family: 'Barlow'; margin: 0 25px; } .box-intro-long { background-color: #FFF; padding: 20px; box-shadow: 0px 3px 6px #00000029; border-radius: 5px; min-height: 365px; font-family: 'Barlow'; margin: 0 25px; } .box-intro-long h3 { font-weight: 500; padding-right: 120px; letter-spacing: 0; margin-top: 20px; } .large-box { background-color: #FFF; padding: 20px; box-shadow: 0px 3px 6px #00000029; border-radius: 5px; min-height: 400px; font-family: 'Barlow'; margin: 0 25px; } .small-box { background-color: #FFF; padding: 20px; box-shadow: 0px 3px 6px #00000029; border-radius: 5px; min-height: 300px; font-family: 'Barlow'; margin: 0 25px; } /* Download the plugins boxes from the [Payment Gatway Emulators and Plugins page] */ .box-intro-dl { background-color: #FFF; padding: 20px; box-shadow: 0px 3px 6px #00000029; border-radius: 5px; min-height: 210px; font-family: 'Barlow'; } .box-intro-dl .elementor-widget-container h3 { margin-bottom: 20px; color: #150238; font-weight: 600; font-size: 16px; } .box-intro-dl .elementor-widget-container p { margin-top: 20px; color: #FFF; font-weight: 500; font-size: 14px; } .box-intro-dl .elementor-widget-container a { margin-bottom: 20px; font-weight: 400; font-size: 14px; color: #FFF; text-decoration: underline; } .box-intro-dl .elementor-widget-container a:hover { color: #e4e4e4; } .box-intro-dl .elementor-widget-container button { color: #1e0945; border: none; font-size: 14px; padding: 6px 20px; text-align: left; position: absolute; width: 100%; right: 0; bottom: 0; } .box-intro-dl .plug-logo { width: 135px; } .box-single-feature { font-family: 'Barlow'; } .box-intro .graphic, .box-single-feature .graphic { margin-bottom: 15px; } .box-intro h3, .large-box h3, .small-box h3 { margin-bottom: 20px; color: #150238; font-weight: 600; font-size: 16px; line-height: 1.2em; } .box-single-feature h2 { margin-bottom: 25px; color: #333333; font-weight: 500; font-size: 26px; line-height: 1.3em; } .box-single-feature h3 { margin-bottom: 10px; color: #150238; font-weight: 600; font-size: 17px; } .no-li-marg li { margin: 10px; } .box-intro p, .large-box p, .small-box p { color: #555555; font-weight: 400; font-size: 14px; line-height: 1.2em; } .box-single-feature p, .box-single-feature ul li { color: #555555; font-weight: 400; font-size: 16px; line-height: 1.2em; } .min-height-550 { min-height: 550px; background-color: #FFF; } .cta-middle { background: transparent linear-gradient(180deg, #150238 0%, #2F185A 100%) 0% 0% no-repeat padding-box; border-radius: 5px; } .cta-button a:hover { color: #e6e6e6 !important; } .small-marg { margin-bottom: 8px !important; } /* START OF GRAVITY FORM WORK */ .ele-form-box { background: transparent linear-gradient(180deg, #150238 0%, #2F185A 100%) 0% 0% no-repeat padding-box; } .form-shortcode-box { background-color: #FDFDFF; box-shadow: 0px 3px 6px #00000029; border-radius: 5px; } .gfield_radio { display: flex; } .gform_wrapper ul.gfield_radio li { margin-right: 30px; /* border:2px solid red !important; */ } @media only screen and (min-width: 641px) { .ginput_complex.ginput_container.gf_name_has_2 span { width: 50% !important; } } .ginput_container input, .ginput_container select { /* width: 100% !important; */ } @media only screen and (max-width: 600px){ .gform_wrapper ul.gfield_radio li { margin-right: 5px; /* border:2px solid red !important; */ } } .gform_legacy_markup_wrapper input:not([type=radio]):not([type=checkbox]):not([type=submit]):not([type=button]):not([type=image]):not([type=file]) { width: 100%; } /* END OF GRAVITY FORM WORK */ #gform_29, #gform_35 { margin-left: 10px; } #gform_submit_button_29, #gform_submit_button_35, #gform_submit_button_42, #gform_submit_button_43, #gform_submit_button_45{ width: 97%; background-color: #e51646; border: none; } #gform_fields_29 input { color: #000; } #gform_fields_29 .gfield_select, #gform_fields_29 .textarea { color: #000; width: 100%; padding: 5px 4px; } #gform_fields_29 label { letter-spacing: 0.3px; color: #0e0125; } .uber-gray-bg { background-color: #F4F4F4 !important; } .cookie-notice-container { padding: 0px !important; } .bg-purple { background-color: #6E46B9 !important } .bg-light-purple { background-color: #A97AFF !important } .bg-black { background-color: #150238 !important } .header-contact .border-btn { margin-top: 10px !important; color: #fff !important; background-color: #e51646 !important; border: none; border-radius: 6px !important; margin-left: 20px; } @media only screen and (max-width: 480px) { .header-contact .border-btn { margin-left: 10px; } } /* New navigation CSS */ .ubermenu-item-level-2 a .ubermenu-target-title, .ubermenu-item-level-1 a .ubermenu-target-title { color: #E51646 !important; } .ubermenu-item-level-2 .ubermenu-target-title, .uber-custom-title { font-weight: 500; color: #404A58; font-size: 15px; margin-bottom: 4px; } .ubermenu .ubermenu-item-layout-image_left>.ubermenu-target-text { padding-left: 0px } .ubermenu .ubermenu-item-layout-image_left>.ubermenu-image { margin-right: 15px; } .container.header-row { max-width: 100% !important; } h3 { font-family: 'Barlow' !important; } .flex-check > .elementor-column-wrap > .elementor-widget-wrap { justify-content: center; } .mobile-column-gab { float: none; } .single-post .page-title-wrap { margin-top: 30px; } #nav-panel, #nav-panel .container, .mobile-nav-wrap { height: 70vh !important; } #nav-panel .mobile-nav-wrap { max-height: 80vh !important; } @media only screen and (max-width: 400px) { #cookie-notice { font-size: 9px; letter-spacing: 0; line-height: 13px; } #cn-notice-text { margin-bottom: 20px; } } .owl-stage-outer { margin-top: 0px; } .what-is-new-heading a { font-family: 'Barlow'; } /* Partner Portal CSS */ .partner-portal-nav { background-color: #fbfbfb !important; } .partner-portal-heading { font-size: 17px !important; font-family: 'Barlow' !important; line-height: 1.2em !important; font-weight: 600 !important; text-align: center !important; margin: 5px 0 20px 0 !important; } .partner-portal-heading-2 { font-size: 15px !important; font-family: 'Barlow' !important; line-height: 1.2em !important; font-weight: 400 !important; text-align: center !important; margin: 0 0 20px 0 !important; } .partner-portal-img { margin-left: auto !important; margin-right: auto !important; width: 70% !important; display: block !important; padding-bottom: 10px !important; } .partner-portal-btn { color: #FFF !important; background: #e51646 !important; font-family: 'Barlow' !important; display: block !important; width: 60% !important; height: 30px !important; margin: auto !important; border: none !important; border-radius: 6px !important; font-size: 14px !important; } .partner-portal-btn:hover { cursor: pointer !important; } .col-lg-3.sidebar.porto-blog-sidebar.right-sidebar.mobile-sidebar { display: none; } .meet-us-event { color: #fff !important; background: #e51646 !important; border: 1px solid #e51646 !important; width: 30%; margin: 0 auto 40px !important; padding: 10px !important; font-weight: 600 !important; border-radius: 6px !important; } .meet-us-event:hover { background: #f32555 !important; border: 1px solid #f32555 !important; } button:hover { cursor: pointer !important; } .merchant-coming-soon { background: #E51646 0% 0% no-repeat padding-box; color: red; height: 32px; width: 123px; border-radius: 20px; opacity: 0.05; } .entry-content a:active, .entry-content a:focus { color: #e51646 !important; } /* Cookie Button Color and Padding */ .cn-button { padding: 10px !important; color: #FFF !important; } /* Online payment Soultions Page */ .online-payment-card li{ list-style:none; } .online-payment-solutions-links a{ color:#6E46B9 !important; font-weight: 500; } .online-payment-solutions-links span{ color: #8E8E8E !important; } /* Fully integrated Self-Service Payment Terminals Page */ .self-service-payment-terminals span{ color: #B8C9FF; } #self-service-payment-terminals-dark span{ color:#6E46B9; } .self-service-payment-terminals-card span{ color:#150238; } .self-service-payment-terminals-card a{ color:#6E46B9 !important; } .male-hero-image img{ border-radius:0 0px 0px 10px; } /* Merchants Webpage */ .merchants-payment-type{ background-image: linear-gradient(176deg, #B9CAFD, #F0F3F8, #B9CAFD) !important; } /* White Paper Archive Page */ .category-537 a.btn.btn-xs.btn-default.text-xs.text-uppercase.btn-readmore { display: none; } .category-537 .page-top.page-header-1 .page-title { font-weight: 500 !important; margin-bottom: 10px; color: #190d37; letter-spacing: -0px; margin-top: 130px !important; font-size: 70px !important; margin-bottom: 0px; } .category-537 h4.entry-title { letter-spacing: 0px; font-family: 'Barlow'; padding: 5px 20px 5px 5px; font-size: 32px !important; } .category-537 .post-content { font-family: 'Barlow'; letter-spacing: 0.2px; font-weight: 400; } .checkmark2 { list-style: none; margin-left: 0; margin-bottom: 0; padding-left: 0; } .checkmark2 li { background: url(https://www.cardknox.com/wp-content/uploads/Light-Check.svg) left 1px / 24px 24px no-repeat; padding-left: 44px; padding-bottom: 8px; letter-spacing: 0; }</style> <script>// GDPR Custom Functions // Pardot API Call let piDomain = 'forms.cardknox.com'; (function(){ // The src value will now load pdt.js instead of pd.js var s=document.createElement('script');s.type='text/javascript';s.async=true;s.src='https://'+piDomain+'/pdt.js'; var c=document.getElementsByTagName('script')[0];c.parentNode.insertBefore(s,c); // Initialize the queue window['pdt'] = window['pdt'] || function(){(window['pdt'].cq = window['pdt'].cq || []).push(arguments);}; })(); pdt('create', 1056213, 19958, piDomain); // does previous consent exist? If yes, keep it. Important for regions where the banner appears pdt(function (tracker) { let status = tracker.getConsentStatus(); // console.log('Consent status: '+status); if (status === true) { // keep as is // pdt("hideConsentBanner", true); } else { // set to false pdt("hideConsentBanner", false); } }); // END 1 GDPR Custom Functions</script> <noscript><style>.wpb_animate_when_almost_visible { opacity: 1; }</style></noscript><meta name="generator" content="WordPress Download Manager 6.6.2" /><style>/* WPDM Link Template Styles */</style><style>:root { --color-primary: #4a8eff; --color-primary-rgb: 74, 142, 255; --color-primary-hover: #5998ff; --color-primary-active: #3281ff; --color-secondary: #6c757d; --color-secondary-rgb: 108, 117, 125; --color-secondary-hover: #6c757d; --color-secondary-active: #6c757d; --color-success: #018e11; --color-success-rgb: 1, 142, 17; --color-success-hover: #0aad01; --color-success-active: #0c8c01; --color-info: #2CA8FF; --color-info-rgb: 44, 168, 255; 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single-format-standard wp-embed-responsive _masterslider _msp_version_3.7.8 tribe-no-js qodef-qi--no-touch qi-addons-for-elementor-1.8.1 porto-rounded full blog-1 wpb-js-composer js-comp-ver-8.0 vc_responsive elementor-default elementor-kit-14146"> <noscript> <iframe data-cli-class="cli-blocker-script" data-cli-label="Google Tag Manager" data-cli-script-type="analytics" data-cli-block="true" data-cli-block-if-ccpa-optout="false" data-cli-element-position="body" data-cli-placeholder="Accept <a class="cli_manage_current_consent" tabindex="0">Analytics</a> cookies to view the content." data-cli-src="https://www.googletagmanager.com/ns.html?id=GTM-PM3XWDZ" height="0" width="0" style="display:none;visibility:hidden"></iframe> </noscript><div class="page-wrapper"><div class="header-wrapper fixed-header"><header id="header" class="header-2"><div class="header-top"><div class="container"><div class="header-left"></div><div class="header-right"> <span class="welcome-msg"><div class="pull-left"><a href="https://www.cardknox.com/updates/cardknox-merchant-portal-september-2021-release-notes/" class="green-btn">new</a> <a href="https://www.cardknox.com/blogs/power-of-the-payfac-model/">Infographic: Learn all about the <i>Power of the PayFac Model</i> <i class="fas fa-arrow-right"></i></a></div></span></div></div></div><div class="header-main"><div class="container header-row"><div class="header-left"><div class="logo"> <a href="https://www.cardknox.com/" title="Cardknox - POS EMV-Ready Payment Processing and Gateway" rel="home"> <img class="img-responsive standard-logo retina-logo" width="166" height="38" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20166%2038'%3E%3C/svg%3E" alt="Cardknox" data-lazy-src="//www.cardknox.com/wp-content/uploads/dark-1.png" /><noscript><img class="img-responsive standard-logo retina-logo" width="166" height="38" src="//www.cardknox.com/wp-content/uploads/dark-1.png" alt="Cardknox" 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id="ubermenu-nav-main-1130-main_menu" class="ubermenu-nav" data-title="Uber Menu"><li id="menu-item-13488" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-13488 ubermenu-item-level-0 ubermenu-column ubermenu-column-auto ubermenu-has-submenu-drop ubermenu-has-submenu-mega" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" tabindex="0" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Payment Solutions</span><i class='ubermenu-sub-indicator fas fa-angle-down'></i></span><ul class="ubermenu-submenu ubermenu-submenu-id-13488 ubermenu-submenu-type-auto ubermenu-submenu-type-mega ubermenu-submenu-drop ubermenu-submenu-align-full_width" ><li id="menu-item-14603" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-14603 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-3 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Integrations</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-14603 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li id="menu-item-13511" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13511 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/ecommerce-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Online</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">API, hosted online form, plugins, and more</span></a></li><li id="menu-item-13512" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13512 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/mobile-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Mobile</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Integrate payments within POS apps using our SDK</span></a></li><li id="menu-item-13510" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13510 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/in-person-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">In-Person</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">POS integrations and pre-certified terminals</span></a></li><li id="menu-item-16062" class="ubermenu-item ubermenu-item-type-post_type ubermenu-item-object-page ubermenu-item-16062 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/unattended-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Unattended</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Harness our integrations for sleek unattended hardware</span></a></li></ul></li><li id="menu-item-14604" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-14604 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-3 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Products</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-14604 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li id="menu-item-14764" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-14764 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/cardknox-go/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Cardknox Go (PayFac)</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Become a Payment Facilitator, without the hassle</span></a></li><li id="menu-item-16687" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16687 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/portal/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Merchant Portal</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Online platform for seamless management of payments</span></a></li><li id="menu-item-15152" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-15152 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/mobile-app/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Mobile App</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Mobile point-of-sale solution for iOS and Android</span></a></li><li id="menu-item-13531" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13531 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/ifields/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">iFields</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Design secure online payment forms</span></a></li><li id="menu-item-16690" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16690 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/partner-portal/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Partner Portal</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">ISV platform for managing merchant accounts</span></a></li></ul></li><li id="menu-item-14605" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-14605 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-3 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Features</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-14605 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li id="menu-item-13507" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13507 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/payment-types/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Credit Card Processing</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Process EMV, magstripe, and NFC credit cards</span></a></li><li id="menu-item-13494" class="new-badge ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13494 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/ebt-online/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">SNAP EBT Online</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Accept SNAP EBT online payments.</span></a></li><li id="menu-item-13495" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13495 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/recurring-billing/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Recurring Payments</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Create automated payment schedules</span></a></li><li id="menu-item-13492" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13492 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/ach/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">ACH Direct Debit</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Accept electronic money transfers</span></a></li><li id="menu-item-13493" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13493 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/emv" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">EMV</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Easily integrate EMV processing, no matter your system</span></a></li><li id="menu-item-13508" class="beta-badge ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13508 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/3d-secure/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">3D Secure 2.0</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Reduce fraud and chargebacks online</span></a></li><li id="menu-item-14095" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-14095 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/contactless-payments" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Contactless Payments</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Pre-certified NFC readers and terminals</span></a></li></ul></li></ul></li><li id="menu-item-17147" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-17147 ubermenu-item-level-0 ubermenu-column ubermenu-column-auto ubermenu-has-submenu-drop ubermenu-has-submenu-flyout" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" target="_blank" href="https://docs.cardknox.com/" tabindex="0" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Developers</span><i class='ubermenu-sub-indicator fas fa-angle-down'></i></a><ul class="ubermenu-submenu ubermenu-submenu-id-17147 ubermenu-submenu-type-flyout ubermenu-submenu-drop ubermenu-submenu-align-left_edge_item" ><li id="menu-item-16689" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16689 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://docs.cardknox.com/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Documentation</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">No payment integration is too complex.</span></a></li><li id="menu-item-13553" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13553 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/developer-resources/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Developer Hub</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Get the tools and resources to integrate Cardknox payments</span></a></li><li id="menu-item-16688" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16688 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/partner-program/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Partner Program</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Best-in-class payment processing solutions for your merchants.</span></a></li><li id="menu-item-13498" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13498 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/merchants/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Merchant Benefits</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">An extensive lineup of robust, omnichannel solutions for every sales and invoicing channel.</span></a></li><li id="menu-item-13555" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13555 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/contact/integration-question/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Integration Support</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Ask us anything, we are here to help.</span></a></li></ul></li><li id="menu-item-13499" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-13499 ubermenu-item-level-0 ubermenu-column ubermenu-column-auto ubermenu-has-submenu-drop ubermenu-has-submenu-mega" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/blogs" tabindex="0" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Company</span><i class='ubermenu-sub-indicator fas fa-angle-down'></i></a><ul class="ubermenu-submenu ubermenu-submenu-id-13499 ubermenu-submenu-type-mega ubermenu-submenu-drop ubermenu-submenu-align-center" ><li id="menu-item-13782" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-13782 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-2 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-target-with-image ubermenu-item-layout-image_left" data-ps2id-api="true"><img class="ubermenu-image ubermenu-image-size-full" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2035%2034'%3E%3C/svg%3E" width="35" height="34" alt="news2" data-lazy-src="https://www.cardknox.com/wp-content/uploads/news2.png" /><noscript><img class="ubermenu-image ubermenu-image-size-full" src="https://www.cardknox.com/wp-content/uploads/news2.png" width="35" height="34" alt="news2" /></noscript><span class="ubermenu-target-title ubermenu-target-text">Resources</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-13782 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li id="menu-item-13556" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13556 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only uber-custom-title" href="/blogs/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Blog</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Read articles on Cardknox thought leadership and solution announcements.</span></a></li><li id="menu-item-13784" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13784 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only uber-custom-title" href="https://www.cardknox.com/white-papers/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">White Papers</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Get a comprehensive look at industry trends.</span></a></li><li id="menu-item-14061" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-14061 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only uber-custom-title" href="https://www.cardknox.com/brand-guidelines/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Brand Guidelines</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">These brand resources will help you use Cardknox content and our brand.</span></a></li></ul></li><li id="menu-item-13783" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-13783 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-2 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-target-with-image ubermenu-item-layout-image_left" data-ps2id-api="true"><img class="ubermenu-image ubermenu-image-size-full" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2042%2034'%3E%3C/svg%3E" width="42" height="34" alt="Contact-us" data-lazy-src="https://www.cardknox.com/wp-content/uploads/Contact-us.png" /><noscript><img class="ubermenu-image ubermenu-image-size-full" src="https://www.cardknox.com/wp-content/uploads/Contact-us.png" width="42" height="34" alt="Contact-us" /></noscript><span class="ubermenu-target-title ubermenu-target-text">Company</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-13783 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li id="menu-item-13497" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13497 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/partner-program/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Become a Partner</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Best-in-class payment processing solutions for your merchants.</span></a></li><li id="menu-item-13559" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13559 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only uber-custom-title" href="/contact/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Contact Us</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Tell us about your payment needs.</span></a></li><li id="menu-item-13558" class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13558 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only uber-custom-title" href="/careers/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Careers</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Explore our open positions to discover a challenging, rewarding career.</span></a></li></ul></li></ul></li></ul></nav></div></div><div class="header-right"><div class="header-minicart"><div class="header-contact"> <a href='/contact/'>Contact</a> <a href="https://portal.cardknox.com">Merchant Login</a> <a href='/sandbox/' class="border-btn">Create Sandbox</a></div></div></div></div><div id="nav-panel"><div class="container"><div class="mobile-nav-wrap"><div class="menu-wrap"> <a class="ubermenu-responsive-toggle ubermenu-responsive-toggle-main ubermenu-skin-minimal ubermenu-loc-main_menu ubermenu-responsive-toggle-content-align-left ubermenu-responsive-toggle-align-full ubermenu-responsive-toggle-open" tabindex="0" data-ubermenu-target="ubermenu-main-1130-main_menu-4"><i class="fas fa-bars" ></i>Menu</a><nav id="ubermenu-main-1130-main_menu-4" class="ubermenu ubermenu-nojs ubermenu-main ubermenu-menu-1130 ubermenu-loc-main_menu ubermenu-responsive ubermenu-responsive-799 ubermenu-responsive-nocollapse ubermenu-horizontal ubermenu-transition-shift ubermenu-trigger-hover ubermenu-skin-minimal ubermenu-bar-align-full ubermenu-items-align-auto ubermenu-bound ubermenu-disable-submenu-scroll ubermenu-sub-indicators ubermenu-retractors-responsive ubermenu-submenu-indicator-closes"><ul id="ubermenu-nav-main-1130-main_menu" class="ubermenu-nav" data-title="Uber Menu"><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-13488 ubermenu-item-level-0 ubermenu-column ubermenu-column-auto ubermenu-has-submenu-drop ubermenu-has-submenu-mega" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" tabindex="0" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Payment Solutions</span><i class='ubermenu-sub-indicator fas fa-angle-down'></i></span><ul class="ubermenu-submenu ubermenu-submenu-id-13488 ubermenu-submenu-type-auto ubermenu-submenu-type-mega ubermenu-submenu-drop ubermenu-submenu-align-full_width" ><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-14603 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-3 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Integrations</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-14603 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13511 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/ecommerce-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Online</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">API, hosted online form, plugins, and more</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13512 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/mobile-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Mobile</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Integrate payments within POS apps using our SDK</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13510 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/in-person-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">In-Person</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">POS integrations and pre-certified terminals</span></a></li><li class="ubermenu-item ubermenu-item-type-post_type ubermenu-item-object-page ubermenu-item-16062 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/unattended-payments/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Unattended</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Harness our integrations for sleek unattended hardware</span></a></li></ul></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-14604 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-3 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Products</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-14604 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-14764 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/cardknox-go/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Cardknox Go (PayFac)</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Become a Payment Facilitator, without the hassle</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16687 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/portal/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Merchant Portal</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Online platform for seamless management of payments</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-15152 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/mobile-app/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Mobile App</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Mobile point-of-sale solution for iOS and Android</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13531 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/ifields/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">iFields</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Design secure online payment forms</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16690 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/partner-portal/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Partner Portal</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">ISV platform for managing merchant accounts</span></a></li></ul></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-14605 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-3 ubermenu-has-submenu-stack" ><span class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Features</span></span><ul class="ubermenu-submenu ubermenu-submenu-id-14605 ubermenu-submenu-type-auto ubermenu-submenu-type-stack" ><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13507 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/payment-types/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Credit Card Processing</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Process EMV, magstripe, and NFC credit cards</span></a></li><li class="new-badge ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13494 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/ebt-online/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">SNAP EBT Online</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Accept SNAP EBT online payments.</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13495 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/recurring-billing/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Recurring Payments</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Create automated payment schedules</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13492 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/ach/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">ACH Direct Debit</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Accept electronic money transfers</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13493 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/emv" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">EMV</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Easily integrate EMV processing, no matter your system</span></a></li><li class="beta-badge ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13508 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/3d-secure/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">3D Secure 2.0</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Reduce fraud and chargebacks online</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-14095 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-2 ubermenu-column ubermenu-column-auto" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/contactless-payments" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Contactless Payments</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Pre-certified NFC readers and terminals</span></a></li></ul></li></ul></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-has-children ubermenu-item-17147 ubermenu-item-level-0 ubermenu-column ubermenu-column-auto ubermenu-has-submenu-drop ubermenu-has-submenu-flyout" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" target="_blank" href="https://docs.cardknox.com/" tabindex="0" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Developers</span><i class='ubermenu-sub-indicator fas fa-angle-down'></i></a><ul class="ubermenu-submenu ubermenu-submenu-id-17147 ubermenu-submenu-type-flyout ubermenu-submenu-drop ubermenu-submenu-align-left_edge_item" ><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16689 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://docs.cardknox.com/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Documentation</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">No payment integration is too complex.</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13553 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/developer-resources/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Developer Hub</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Get the tools and resources to integrate Cardknox payments</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-16688 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/partner-program/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Partner Program</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Best-in-class payment processing solutions for your merchants.</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13498 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="/merchants/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Merchant Benefits</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">An extensive lineup of robust, omnichannel solutions for every sales and invoicing channel.</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-custom ubermenu-item-13555 ubermenu-item-auto ubermenu-item-normal ubermenu-item-level-1" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="https://www.cardknox.com/contact/integration-question/" data-ps2id-api="true"><span class="ubermenu-target-title ubermenu-target-text">Integration Support</span><span class="ubermenu-target-divider"> – </span><span class="ubermenu-target-description ubermenu-target-text">Ask us anything, we are here to help.</span></a></li></ul></li><li 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class="main-content col-lg-12"><div id="content" role="main" class="porto-single-page"><article class="post-large hide-post-date post-title-simple post-14510 post type-post status-publish format-standard has-post-thumbnail hentry category-white-papers"><div class="post-image single"><div class="post-slideshow porto-carousel owl-carousel has-ccols ccols-1 nav-inside nav-inside-center nav-style-2 show-nav-hover" data-plugin-options='{"nav":true}'><div><div class="img-thumbnail"> <img width="1140" height="445" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%201140%20445'%3E%3C/svg%3E" class="owl-lazy img-responsive" alt="" decoding="async" data-lazy-src="https://www.cardknox.com/wp-content/uploads/cover@2x-100-1140x445.jpg" /><noscript><img loading="lazy" width="1140" height="445" src="https://www.cardknox.com/wp-content/uploads/cover@2x-100-1140x445.jpg" class="owl-lazy img-responsive" alt="" decoding="async" /></noscript></div></div></div></div><div class="post-content"><h2 class="entry-title">Scaling Your Property Management Business With Payment Technology</h2> <span class="vcard" style="display: none;"><span class="fn"><a href="https://www.cardknox.com/author/alex-varone/" title="Posts by Varone" rel="author">Varone</a></span></span><span class="updated" style="display:none">2021-07-23T10:40:19-04:00</span><div class="post-meta "></div><div class="entry-content"><div class="contain-all"><p>Property management is an industry that has seen steady yet significant growth over the past year. Obviously, the industry has been affected by the recent economic downturn, and property managers have been placed in a demanding position. Investopedia informs us that property managers are routinely responsible for managing real estate assets held by another entity, either a business or a person. Thus, the economic downturn caused by the COVID-19 pandemic has left many people in the unfortunate position of not being able to meet their rental obligations.</p><p>Despite the hardships, however, renters seem to be able to manage their funds responsibly. Several states have instituted moratoriums on rent to ensure residents’ stability in those areas, with varying levels of success. The property rental market remains strong, even amidst this uncertainty.</p><div class="download-box"><p><img decoding="async" class="guide-img alignnone size-medium wp-image-13401" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20150%20194'%3E%3C/svg%3E" alt="" width="150" height="194" data-lazy-src="/wp-content/uploads/property-cover.png" /><noscript><img loading="lazy" decoding="async" class="guide-img alignnone size-medium wp-image-13401" src="/wp-content/uploads/property-cover.png" alt="" width="150" height="194" /></noscript></p><div class="download-text"><span class="small-cta">Get the print version</span><br /> Read the full white paper anytime and anywhere.<br /> <button class="icon-download download-btn download-pdf-property"><img decoding="async" style="margin-right: 10px;" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2020%200'%3E%3C/svg%3E" width="20" data-lazy-src="https://www.cardknox.com/wp-content/uploads/download-btn.png" /><noscript><img decoding="async" style="margin-right: 10px;" src="https://www.cardknox.com/wp-content/uploads/download-btn.png" width="20" /></noscript>Download PDF</button></div></div><p>The current situation is nevertheless quite challenging for many in the industry, though. Because of the limited returns on investment, property managers have had to get creative with how they deal with the crisis. As McKinsey writes, some areas of the real estate industry will see this as a chance to develop digitally and create a better tenant and customer experience. There are signs that the industry will come out strong, despite experiencing a severe impact on the current management of properties. People are still renting properties, meaning that the demand for rentals is still there. However, the competitive edge in this “new normal” environment will go to those who embrace change.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20100%200'%3E%3C/svg%3E" width="100%" alt="Introduction" data-lazy-src="/wp-content/uploads/Intro-banner@2x-100.jpg"/><noscript><img decoding="async" src="/wp-content/uploads/Intro-banner@2x-100.jpg" width="100%" alt="Introduction"/></noscript></p><h2 class="main-head">Methods for Rent Payment Acceptance</h2><p>As a property manager, it’s expected that you’ll have a set of methods in place for collecting rent. The rental agreement should cover all of these. From our research, we’ve found that the most common ways that property managers accept rent are:</p><h3 class="sec-head">Cash/Check/Money Order</h3><p>These are the most common methods that tenants use to pay their rent. They’ve been around for a long time and are quite reliable, assuming that tenants can meet obligations. These payment methods form the mainstay of rental payments within the US.</p><h3 class="sec-head">Credit Cards</h3><p>Some property managers prefer to use a credit card for transactions, but the fees attached to the transactions may be too steep for many smaller property holders. Recent trends in the industry have seen credit cards being a preferred payment method in several US locales.</p><h3 class="sec-head">Direct Deposit</h3><p>Some tenants set up a standing order to directly deposit the rent into their landlord’s accounts. Direct deposit carries with it some level of risk to the property manager, and the accounts used for collecting rent are usually receiving accounts only. Direct deposits are seamless for tenants but rely on those individuals who have enough money in their budgets to meet expenses. If they don’t, the bank will charge them an overdraft fee.</p><h3 class="sec-head">Online</h3><p>Online payment solutions for rental properties have skyrocketed in recent years. Several online payment options exist, but many are limited in scope, only support a handful of payment methods, or cannot be integrated with other software.</p><p>A 2016 report by the Federal Reserve Bank of Boston noted that most tenants pay rent via check (42%) with the other most popular methods being cash (22%) and money order (16%), respectively.</p><h2 class="main-head">Challenges of Rental Payment Processing</h2><p>Rental tenants usually pay rent on time, but there are other potential issues that could crop up while processing rent payments. Among the most common issues that property managers continuously face in their jobs are:</p><h3 class="sec-head">Heavy reliance on manual methods</h3><p>Processing paper checks take a lot of time and effort, such as running to bank branches and following up on check clearing. It makes for a highly inefficient rent processing system. According to iProperty Management, as much as 45% of surveyed property managers would like to see better efficiency in their rent processing. Automation has the potential to improve efficiency if appropriately implemented.</p><h3 class="sec-head">Manual account reconciliation</h3><p>Reconciling accounts in one’s accounting or business software can be time consuming and error-ridden. These errors may carry over and could potentially lead to problems with tax payments, unhappy renters, or legal issues later on.</p><h3 class="sec-head">Late or missed payments</h3><p>Tenants sometimes are late with their rent or can’t make payments. Most legal systems require property managers to serve notice to tenants before eviction, but nevertheless, the property generates no income for the owner during the time the original tenant occupies it. The recent pandemic has made it even more difficult, as many tenants are out of work or are struggling financially. CNBC reported in May that only half of Americans stated that they could make rent for the month.</p><h3 class="sec-head">Payment fraud</h3><p>Since checks are the usual method of rent payment, it’s not hard to foresee that there will be some payment fraud involved. Occasionally, tenants will write property managers bad checks to mollify them and keep an eviction notice at bay. This practice ties up the processing system and takes valuable time from the property manager that could be spent on paying assets.</p><h2 class="main-head">The Move to a Digital Payment System is Necessary</h2><p>Most property managers accept and prefer cash and checks for rent payments. However, the reality is that these methods of payments are holdovers from another time. With people more concerned about social distancing, and even more of them working online, renters are looking at modern methods to pay their rent. Realty Times6 even advises landlords that collecting rent in cash should be a thing of the past. As the world around us changes, so too many landlords and property managers will need to adapt to the times. Digital payments—which refers to the electronic processing of card and ACH payments—are more than just a convenience to the tenant. They also make the property manager’s life a lot easier. Among the benefits that digital payments offer to property managers are:</p><h3 class="sec-head">Convenience</h3><p>The life of a property manager is difficult enough as it is without having to get to every tenant’s location on time to collect rent. Digital payment methods can push notifications as tenants pay and automatically send reminders to tenants who missed their payments through email.</p><h3 class="sec-head">Automatic transaction reconciliations</h3><p>No more manual reconciliations and human error with your data entry. Digital systems can interface with the accounting software to provide seamless reconciliations.</p><h3 class="sec-head">More efficient processing</h3><p>No need to switch between different software programs or take the time to run to the bank. By utilizing a digital payment processing solution, you’ll experience improved cash flow and more rapid funding.</p><h3 class="sec-head">Lower overall cost of payment acceptance</h3><p>While collecting cash or check payments in-person may seem like a low-cost method of rent receipt, the hidden administrative costs can lead to severe consequences. Digital payment solutions make the hidden costs of rent collection disappear.</p><h3 class="sec-head">Digital record-keeping</h3><p>Digital record- and receipt-keeping helps property managers to ensure that they have accurate data available for accounting and audit trail purposes.</p><h2 class="main-head">Cardknox – A Digital Payment Solution for Independent Software Vendors (ISVs) and Value-Added Resellers (VARs)</h2><p>As more landlords and property managers move to digital payment systems, it’s up to value-added resellers (VARs) and independent software vendors (ISVs) to respond by providing solutions. Cardknox, seeing a need for an integrated approach to facilitate digital payments, has developed its own solution. Cardknox’s focus is on usability and connectivity, allowing for easy implementation of payment features that ISVs and VARs can utilize in their own products.</p><p>With the need for a digital payment service that is flexible and reliable, Cardknox is the perfect platform for building a comprehensive software system for the industry. Among the useful features that Cardknox offers to property management businesses include:</p><h3 class="sec-head">1. Easy Integration</h3><p>Property management, customer relationships management (CRM), and accounting software are utilized by many property management businesses. Therefore, a digital payment solution needs to be able to seamlessly integrate with these programs for a buyer to consider it useful. Cardknox’s robust SDK, gateway emulators, and plugins make it that much easier to integrate the Cardknox gateway with a wide range of software.</p><p>Cardknox’s integration removes the need for manual entry or reconciliations, as the Cardknox gateway and software program are synced. The result is a more efficient system overall, one that clients can depend upon to have the right data without hassle. The focus of Cardknox’s integration extends to both online and in-person processing. Property managers can integrate Cardknox with payment terminals to swipe cards in-person, or with websites or software to accept payments online. Plus, property managers can use Cardknox’s virtual terminal platforms to key-in payments or set up automated recurring payment schedules.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20420%200'%3E%3C/svg%3E" width="420px" alt="Easy Integration" data-lazy-src="/wp-content/uploads/integration2.png"/><noscript><img decoding="async" src="/wp-content/uploads/integration2.png" width="420px" alt="Easy Integration"/></noscript></p><p>Simplicity is critical when it comes to complex elements such as digital payment integration. With a Cardknox integration, clients can quickly see their transaction details at a glance. There’s no room for error due to manual data entry, and the accounting and CRM systems automatically generate profiles, receipts, and data as payments are received.</p><h3 class="sec-head">2. Multiple Payment Methods</h3><p><strong>ACH Payments</strong><br /> ACH is quickly becoming one of the most preferred payment methods for tenants because<br /> of its ease of use and quick processing time. Our integration enables property managers to process one-time and recurring ACH payments, which greatly streamlines the rent receipt process since customers do not need to mail out invoices or take checks to the bank. Plus, funding is fast since automatic ACH transfers go directly to bank accounts, and they generally clear within a couple of days or less.</p><p><strong>Card Payments</strong><br /> Cardknox supports several types of card payments, including magstripe, EMV, contactless, and even mobile wallet transactions. Cardknox can handle these transactions both online and in-person, offering flexibility to tenants in their choice of payments. The <a href="https://www.cardknox.com/portal/">Cardknox Merchant Portal</a>, a virtual terminal solution, allows merchants to securely store and process customer card details in order to facilitate automatic payments. Plus, our account updater tool ensures that stored card data is regularly updated in the event that the card has expired or is inactive.</p><p>The Real Deal reports that since the start of the COVID-19 pandemic, credit card rent payments have risen by as much as 30% in New York. Based on this data, supporting card payments as a landlord or property manager is quickly becoming a necessity.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20420%200'%3E%3C/svg%3E" width="420px" alt="Multiple Payment Method" data-lazy-src="/wp-content/uploads/payment-types.png"/><noscript><img decoding="async" src="/wp-content/uploads/payment-types.png" width="420px" alt="Multiple Payment Method"/></noscript></p><h3 class="sec-head">3. Payment Facilitator (PayFac) Model – Cardknox Go</h3><p>Payment processing accounts can be challenging for ISVs and VARs to work with. Occasionally, these clients opt to become an independent sales vendor (ISO) and offer their own payment processing solution, but this brings with it security concerns and user data maintenance and transparency. <a href="https://www.cardknox.com/go/">Cardknox Go</a> is our PayFac solution designed with ISVs and VARs in mind. Instead of spending time trying to develop a working solution from scratch, we provide a simplified system that’s easy to integrate and ensures a seamless onboarding experience for clients.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20420%200'%3E%3C/svg%3E" width="420px" alt="Cardknox Go" data-lazy-src="/wp-content/uploads/cardknoxgo.png"/><noscript><img decoding="async" src="/wp-content/uploads/cardknoxgo.png" width="420px" alt="Cardknox Go"/></noscript></p><p>Cardknox Go operates on a master merchant services system. The ISV/VAR registers with Carknox as a master merchant and can then create their own sub-merchant accounts. This setup means that the ISV or VAR doesn’t need to spend time developing security protocols and updating privacy policies to conform to regulations and manage risk. With Cardknox Go, your clients can get their payment system up-and-running that much faster.</p><p>Again, simplification is the core of our process. Our PayFac model comes with flat-rate transparent pricing. There are no surprises in our transaction fees, and the ISV or VAR doesn’t have any added expenses to pass on to their clients. With such a simple payment facilitation system, developers and their clients can set up accounts and start receiving payments with very little lag time.</p><h3 class="sec-head">4. Payment Card Industry (PCI) Security Standard Compliance</h3><p>Any business that stores, intercepts, or processes card data needs to be PCI compliant. Fortunately, Cardknox makes it that much easier for ISVs and VARs to build an integration that’s fully compliant— which means that property managers will love the ease with which they can become PCI compliant. Our tokenization technology replaces sensitive card details with a highly-secure data token, which greatly simplifies PCI compliance. Additionally, our gateway can be integrated with a wide range<br /> of Point-to-Point Encryption (P2PE)-certified payment hardware. P2PE was established by the PCI Security Standards Council and serves as a way to instantaneously convert swiped card data into indecipherable code to reduce the incidence of hacking or data interception. Merchants that integrate Cardknox into their payment system can benefit from our P2PE interfaces.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20420%200'%3E%3C/svg%3E" width="420px" alt="Cardknox Security" data-lazy-src="/wp-content/uploads/secure.png"/><noscript><img decoding="async" src="/wp-content/uploads/secure.png" width="420px" alt="Cardknox Security"/></noscript></p><h3 class="sec-head">5. Online Billing and Processing Solutions</h3><p>Whether it’s to maintain social distancing or reduce the occurrence of late payments, more and more property managers and landlords are looking to switch to online payment processing solutions. Cardknox’s many online solutions can be integrated with ease or set up as standalone systems so that property managers can process payments and send invoices.</p><p><strong>Recurring Payment Scheduling</strong><br /> With the right online processing system, merchants can automatically deduct rent from their tenant’s bank account. This automatic deduction helps make the billing cycle more efficient and ensures that there won’t be any late payments. For property managers primarily that work on tight deadlines, this addition can be a significant positive to push them towards adopting online payments.</p><p>Cardknox offers several methods for businesses to create recurring payments. The first option is using Cardknox’s Merchant Portal. Users of the portal can securely store customer details, including their payment methods. Then, the user can create a recurring schedule based on the desired frequency and amount. If a business has more tech-savvy personnel, Cardknox also offers access to recurring payments through API integration.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20420%200'%3E%3C/svg%3E" width="420px" alt="Cardknox API" data-lazy-src="/wp-content/uploads/cardknox-api.png"/><noscript><img decoding="async" src="/wp-content/uploads/cardknox-api.png" width="420px" alt="Cardknox API"/></noscript></p><p>With the help of our additional features, property managers can enjoy fewer payment declines. Our Account Updater tool automatically scans cards on file to detect those that are inactive or expired, and it then obtains the correct information and applies it to the system. Plus, our <a href="https://www.cardknox.com/updateyourcard/">UpdateYourCard</a> solution automatically contacts the cardholder to obtain updated card information in the event that Account Updater was not able to resolve the issue. This convenient utility allows customers to provide the right card information at their convenience. We’ve covered these topics in detail <a href="https://www.cardknox.com/white-papers/successful-recurring-payments/">here</a>.</p><p><strong>PaymentSITE</strong><br /> <a href="http://cardknox.com/paymentsite">PaymentSITE</a> is a hosted online form that can be shared with tenants via its URL or embedded into a webpage to accept<br /> ACH or credit/debit card payments. Property managers can customize their PaymentSITE to include custom fields and branding before sharing it with tenants. These custom fields can also be used to encourage users to sign up for recurring rent payments. PaymentSITE is fully hosted and is 100% PCI compliant, making it the perfect solution for businesses that want to accept payments online without hassle.</p><h3 class="sec-head">6. Support for Convenience and Service Fees</h3><p>Convenience fees are additional fees that companies may charge to customers for making a remote payment with a credit card. These fees can be used to offset the costs of card processing. Typically, businesses are only allowed to levy a convenience fee if they offer an alternative bill pay option that doesn’t include an attached fee. For example, in the case of rent or bill payment, convenience fees can’t be charged if the merchant doesn’t give the tenant the option to mail in a check for no added cost.</p><p>Services fees are similar to convenience fees in that they are additional costs charged to the consumer to offset credit card processing rates. However, unlike convenience fees, service fees can be charged for in-person transactions as well. The client may set these fees as either percentage-based or a flat rate. Each state has its own laws governing what service fees are legal, and businesses will need to comply with local regulations.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20420%200'%3E%3C/svg%3E" width="420px" alt="Cardknox Convenience Fees" data-lazy-src="/wp-content/uploads/fees.png"/><noscript><img decoding="async" src="/wp-content/uploads/fees.png" width="420px" alt="Cardknox Convenience Fees"/></noscript></p><p>Many property management businesses charge convenience or service fees because the costs of processing high-ticket transactions can add up fast. Fortunately, Cardknox’s system supports both convenience and service fees. With Cardknox, businesses can flexibly add a flat-rate charge or a percentage-based deduction as a convenience or service charge at their discretion (and per compliance with any relevant regulations). The price is then calculated automatically and added to the customer’s receipt.</p><h3 class="sec-head">7. Transaction Monitoring</h3><p>Cardknox’s Merchant Portal makes it easy for businesses to monitor transactions as they occur. Users can set up multiple accounts to track transactions for different property locations, and additional users can be added to the master account. Large companies usually have numerous employees operating in overlapping positions, so having various account compatibilities makes it much easier for them to manage their properties.</p><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20420%200'%3E%3C/svg%3E" width="420px" alt="Transaction Monitoring" data-lazy-src="/wp-content/uploads/monitoirng.png"/><noscript><img decoding="async" src="/wp-content/uploads/monitoirng.png" width="420px" alt="Transaction Monitoring"/></noscript></p><p>Analytics is a part of transaction data that many businesses overlook, but the Cardknox Merchant Portal caters to companies interested in hard data. Employees can export reports and format them as they see fit via advanced reporting filters. Reports can even be professionally formatted using templates and sent out to the business executives for perusal. The data within these reports can further gauge the success of existing payment systems and spot problems with tenants before they occur.</p><h2 class="main-head">Scaling Property Management Requires Long-Term Consideration</h2><p><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20100%200'%3E%3C/svg%3E" width="100%" alt="Long-term Consideration" data-lazy-src="/wp-content/uploads/longterm-consideration@2x-100.jpg"/><noscript><img decoding="async" src="/wp-content/uploads/longterm-consideration@2x-100.jpg" width="100%" alt="Long-term Consideration"/></noscript></p><p>Businesses that start small often grow and expand. Even small property management businesses ultimately require a sophisticated method of dealing with clients. The modern world has made it easier for companies that understand how new payment technology works to make the most out of their investments. By appealing to a demographic of renters who prefer remote deposits and avoiding face-to-face interactions, landlords and property managers can bring in new renters. And at the same time, with the help of integrated payment solutions, property managers can enjoy streamlined business operations and faster funding.</p><p>There’s no shortage of people looking for properties. Existing renters are prioritizing their rent, ensuring that the market remains afloat. Globe News Wire reports that renters seem to be responsible for managing their debt, despite the economic contraction.</p><p>Now’s the time to harness the power of the latest payment technology for the property management industry. By partnering with Cardknox, industry businesses can enjoy the convenience of automated and tenant-friendly payment solutions. If you’re interested in Cardknox’s payment technology and how it can benefit your software development or business goals, <a href="https://www.cardknox.com/contact/?prod=white-paper-property">contact us</a> today!</p><div class="download-box"><p><img decoding="async" class="guide-img alignnone size-medium wp-image-13401" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20150%20194'%3E%3C/svg%3E" alt="" width="150" height="194" data-lazy-src="/wp-content/uploads/property-cover.png" /><noscript><img loading="lazy" decoding="async" class="guide-img alignnone size-medium wp-image-13401" src="/wp-content/uploads/property-cover.png" alt="" width="150" height="194" /></noscript></p><div class="download-text"><span class="small-cta">Get the print version</span><br /> Read the full white paper anytime and anywhere.<br /> <button class="icon-download download-btn download-pdf-property"><img decoding="async" style="margin-right: 10px;" 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class='medium gfield_select' aria-invalid="false" ><option value='' ></option><option value='New Business' >New Business</option><option value='Less than $50,000' >Less than $50,000</option><option value='$51,000 - $100,000' >$51,000 - $100,000</option><option value='$100,000-$1,000,000' >$100,000-$1,000,000</option><option value='$1,000,000+' >$1,000,000+</option></select></div></li><li id="field_34_11" class="gfield gfield--type-select field_sublabel_above gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_34_11" ><label class='gfield_label gform-field-label' for='input_34_11'>Country</label><div class='ginput_container ginput_container_select'><select name='input_11' id='input_34_11' class='medium gfield_select' aria-invalid="false" ><option value='United States' >United States</option><option value='Canada' >Canada</option><option value='Afghanistan' >Afghanistan</option><option value='Åland Islands' >Åland Islands</option><option value='Albania' >Albania</option><option value='Algeria' >Algeria</option><option value='American Samoa' >American Samoa</option><option value='Andorra' >Andorra</option><option value='Angola' >Angola</option><option value='Anguilla' >Anguilla</option><option value='Antarctica' >Antarctica</option><option value='Antigua and Barbuda' >Antigua and Barbuda</option><option value='Argentina' >Argentina</option><option value='Armenia' >Armenia</option><option value='Aruba' >Aruba</option><option value='Australia' >Australia</option><option value='Austria' >Austria</option><option value='Azerbaijan' >Azerbaijan</option><option value='Bahamas' >Bahamas</option><option value='Bahrain' >Bahrain</option><option value='Bangladesh' >Bangladesh</option><option value='Barbados' >Barbados</option><option value='Belarus' >Belarus</option><option value='Belgium' >Belgium</option><option value='Belize' >Belize</option><option value='Benin' >Benin</option><option value='Bermuda' 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Republic</option><option value='Ecuador' >Ecuador</option><option value='Egypt' >Egypt</option><option value='El Salvador' >El Salvador</option><option value='Equatorial Guinea' >Equatorial Guinea</option><option value='Eritrea' >Eritrea</option><option value='Estonia' >Estonia</option><option value='Eswatini (Swaziland)' >Eswatini (Swaziland)</option><option value='Ethiopia' >Ethiopia</option><option value='Falkland Islands' >Falkland Islands</option><option value='Faroe Islands' >Faroe Islands</option><option value='Fiji' >Fiji</option><option value='Finland' >Finland</option><option value='France' >France</option><option value='French Guiana' >French Guiana</option><option value='French Polynesia' >French Polynesia</option><option value='French Southern Territories' >French Southern Territories</option><option value='Gabon' >Gabon</option><option value='Gambia' >Gambia</option><option value='Georgia' >Georgia</option><option value='Germany' >Germany</option><option value='Ghana' >Ghana</option><option value='Gibraltar' >Gibraltar</option><option value='Greece' >Greece</option><option value='Greenland' >Greenland</option><option value='Grenada' >Grenada</option><option value='Guadeloupe' >Guadeloupe</option><option value='Guam' >Guam</option><option value='Guatemala' >Guatemala</option><option value='Guernsey' >Guernsey</option><option value='Guinea' >Guinea</option><option value='Guinea-Bissau' >Guinea-Bissau</option><option value='Guyana' >Guyana</option><option value='Haiti' >Haiti</option><option value='Heard and McDonald Islands' >Heard and McDonald Islands</option><option value='Holy See' >Holy See</option><option value='Honduras' >Honduras</option><option value='Hong Kong' >Hong Kong</option><option value='Hungary' >Hungary</option><option value='Iceland' >Iceland</option><option value='India' >India</option><option value='Indonesia' >Indonesia</option><option value='Iran' >Iran</option><option value='Iraq' >Iraq</option><option value='Ireland' >Ireland</option><option value='Isle of Man' >Isle of Man</option><option value='Israel' >Israel</option><option value='Italy' >Italy</option><option value='Jamaica' >Jamaica</option><option value='Japan' >Japan</option><option value='Jersey' >Jersey</option><option value='Jordan' >Jordan</option><option value='Kazakhstan' >Kazakhstan</option><option value='Kenya' >Kenya</option><option value='Kiribati' >Kiribati</option><option value='Kuwait' >Kuwait</option><option value='Kyrgyzstan' >Kyrgyzstan</option><option value='Lao People's Democratic Republic' >Lao People's Democratic Republic</option><option value='Latvia' >Latvia</option><option value='Lebanon' >Lebanon</option><option value='Lesotho' >Lesotho</option><option value='Liberia' >Liberia</option><option value='Libya' >Libya</option><option value='Liechtenstein' >Liechtenstein</option><option value='Lithuania' >Lithuania</option><option value='Luxembourg' >Luxembourg</option><option value='Macau' >Macau</option><option 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value='Saudi Arabia' >Saudi Arabia</option><option value='Senegal' >Senegal</option><option value='Serbia' >Serbia</option><option value='Seychelles' >Seychelles</option><option value='Sierra Leone' >Sierra Leone</option><option value='Singapore' >Singapore</option><option value='Sint Maarten' >Sint Maarten</option><option value='Slovakia' >Slovakia</option><option value='Slovenia' >Slovenia</option><option value='Solomon Islands' >Solomon Islands</option><option value='Somalia' >Somalia</option><option value='South Africa' >South Africa</option><option value='South Georgia' >South Georgia</option><option value='South Korea' >South Korea</option><option value='South Sudan' >South Sudan</option><option value='Spain' >Spain</option><option value='Sri Lanka' >Sri Lanka</option><option value='Sudan' >Sudan</option><option value='Suriname' >Suriname</option><option value='Svalbard and Jan Mayen Islands' >Svalbard and Jan Mayen Islands</option><option value='Sweden' >Sweden</option><option value='Switzerland' >Switzerland</option><option value='Syria' >Syria</option><option value='Taiwan' >Taiwan</option><option value='Tajikistan' >Tajikistan</option><option value='Tanzania' >Tanzania</option><option value='Thailand' >Thailand</option><option value='Timor-Leste' >Timor-Leste</option><option value='Togo' >Togo</option><option value='Tokelau' >Tokelau</option><option value='Tonga' >Tonga</option><option value='Trinidad and Tobago' >Trinidad and Tobago</option><option value='Tunisia' >Tunisia</option><option value='Turkey' >Turkey</option><option value='Turkmenistan' >Turkmenistan</option><option value='Turks and Caicos Islands' >Turks and Caicos Islands</option><option value='Tuvalu' >Tuvalu</option><option value='Uganda' >Uganda</option><option value='Ukraine' >Ukraine</option><option value='United Arab Emirates' >United Arab Emirates</option><option value='United Kingdom' >United Kingdom</option><option value='United States' >United States</option><option value='Uruguay' 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Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.</div></div> <a id="wt-cli-privacy-readmore" tabindex="0" role="button" class="cli-privacy-readmore" data-readmore-text="Show more" data-readless-text="Show less"></a></div></div><div class="cli-col-12 cli-align-items-stretch cli-px-0 cli-tab-section-container" role="tablist"><div class="cli-tab-section"><div class="cli-tab-header"> <a id="wt-cli-tab-link-necessary" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-necessary" aria-controls="wt-cli-tab-necessary" class="cli-nav-link cli-settings-mobile" data-target="necessary" data-toggle="cli-toggle-tab"> Necessary </a><div class="wt-cli-necessary-checkbox"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-necessary" aria-label="Necessary" data-id="checkbox-necessary" checked="checked" /> <label class="form-check-label" for="wt-cli-checkbox-necessary"> Necessary </label></div> <span class="cli-necessary-caption"> Always Enabled </span></div><div class="cli-tab-content"><div id="wt-cli-tab-necessary" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-necessary" class="cli-tab-pane cli-fade" data-id="necessary"><div class="wt-cli-cookie-description">Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.<table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">AWSALBCORS</td><td class="cookielawinfo-column-3">7 days</td><td class="cookielawinfo-column-4">This cookie is managed by Amazon Web Services and is used for load balancing.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-advertisement</td><td class="cookielawinfo-column-3">1 year</td><td class="cookielawinfo-column-4">Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category .</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-analytics</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">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".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-functional</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-necessary</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">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".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-others</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">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.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-performance</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">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".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">CookieLawInfoConsent</td><td class="cookielawinfo-column-3">1 year</td><td class="cookielawinfo-column-4">Records the default button state of the corresponding category & the status of CCPA. It works only in coordination with the primary cookie.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">elementor</td><td class="cookielawinfo-column-3">never</td><td class="cookielawinfo-column-4">This cookie is used by the website's WordPress theme. It allows the website owner to implement or change the website's content in real-time.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">ep201</td><td class="cookielawinfo-column-3">30 minutes</td><td class="cookielawinfo-column-4">This cookie is set by Wufoo for load balancing, site traffic and preventing site abuse.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">JSESSIONID</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">The JSESSIONID cookie is used by New Relic to store a session identifier so that New Relic can monitor session counts for an application.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">OptanonConsent</td><td class="cookielawinfo-column-3">5 months 27 days</td><td class="cookielawinfo-column-4">OneTrust sets this cookie to store details about the site's cookie category and check whether visitors have given or withdrawn consent from the use of each category.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">PHPSESSID</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">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.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">viewed_cookie_policy</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">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.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">wpEmojiSettingsSupports</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">WordPress sets this cookie when a user interacts with emojis on a WordPress site. It helps determine if the user's browser can display emojis properly.</td></tr></tbody></table></div></div></div></div><div class="cli-tab-section"><div class="cli-tab-header"> <a id="wt-cli-tab-link-functional" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-functional" aria-controls="wt-cli-tab-functional" class="cli-nav-link cli-settings-mobile" data-target="functional" data-toggle="cli-toggle-tab"> Functional </a><div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-functional" aria-label="functional" data-id="checkbox-functional" role="switch" aria-controls="wt-cli-tab-link-functional" aria-labelledby="wt-cli-tab-link-functional" /> <label for="wt-cli-checkbox-functional" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">functional</span></label></div></div><div class="cli-tab-content"><div id="wt-cli-tab-functional" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-functional" class="cli-tab-pane cli-fade" data-id="functional"><div class="wt-cli-cookie-description">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.<table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">__cf_bm</td><td class="cookielawinfo-column-3">30 minutes</td><td class="cookielawinfo-column-4">This cookie, set by Cloudflare, is used to support Cloudflare Bot Management.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">bcookie</td><td class="cookielawinfo-column-3">1 year</td><td class="cookielawinfo-column-4">LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser ID.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">bscookie</td><td class="cookielawinfo-column-3">1 year</td><td class="cookielawinfo-column-4">LinkedIn sets this cookie to store performed actions on the website.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">lang</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">LinkedIn sets this cookie to remember a user's language setting.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">lidc</td><td class="cookielawinfo-column-3">1 day</td><td class="cookielawinfo-column-4">LinkedIn sets the lidc cookie to facilitate data center selection.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">UserMatchHistory</td><td class="cookielawinfo-column-3">1 month</td><td class="cookielawinfo-column-4">LinkedIn sets this cookie for LinkedIn Ads ID syncing.</td></tr></tbody></table></div></div></div></div><div class="cli-tab-section"><div class="cli-tab-header"> <a id="wt-cli-tab-link-performance" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-performance" aria-controls="wt-cli-tab-performance" class="cli-nav-link cli-settings-mobile" data-target="performance" data-toggle="cli-toggle-tab"> Performance </a><div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-performance" aria-label="performance" data-id="checkbox-performance" role="switch" aria-controls="wt-cli-tab-link-performance" aria-labelledby="wt-cli-tab-link-performance" /> <label for="wt-cli-checkbox-performance" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">performance</span></label></div></div><div class="cli-tab-content"><div id="wt-cli-tab-performance" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-performance" class="cli-tab-pane cli-fade" data-id="performance"><div class="wt-cli-cookie-description">Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.<table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">AWSALB</td><td class="cookielawinfo-column-3">7 days</td><td class="cookielawinfo-column-4">AWSALB is an application load balancer cookie set by Amazon Web Services to map the session to the target.</td></tr></tbody></table></div></div></div></div><div class="cli-tab-section"><div class="cli-tab-header"> <a id="wt-cli-tab-link-analytics" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-analytics" aria-controls="wt-cli-tab-analytics" class="cli-nav-link cli-settings-mobile" data-target="analytics" data-toggle="cli-toggle-tab"> Analytics </a><div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-analytics" aria-label="analytics" data-id="checkbox-analytics" role="switch" aria-controls="wt-cli-tab-link-analytics" aria-labelledby="wt-cli-tab-link-analytics" /> <label for="wt-cli-checkbox-analytics" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">analytics</span></label></div></div><div class="cli-tab-content"><div id="wt-cli-tab-analytics" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-analytics" class="cli-tab-pane cli-fade" data-id="analytics"><div class="wt-cli-cookie-description">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.<table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_ga</td><td class="cookielawinfo-column-3">2 years</td><td class="cookielawinfo-column-4">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.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_ga_*</td><td class="cookielawinfo-column-3">1 year 1 month 4 days</td><td class="cookielawinfo-column-4">Google Analytics sets this cookie to store and count page views.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_ga_L91N7MKDFX</td><td class="cookielawinfo-column-3">2 years</td><td class="cookielawinfo-column-4">This cookie is installed by Google Analytics.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_gat_gtag_UA_53045244_1</td><td class="cookielawinfo-column-3">1 minute</td><td class="cookielawinfo-column-4">Set by Google to distinguish users.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_gcl_au</td><td class="cookielawinfo-column-3">3 months</td><td class="cookielawinfo-column-4">Provided by Google Tag Manager to experiment advertisement efficiency of websites using their services.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_gid</td><td class="cookielawinfo-column-3">1 day</td><td class="cookielawinfo-column-4">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.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">handl_landing_page</td><td class="cookielawinfo-column-3">1 month</td><td class="cookielawinfo-column-4">Understand which page was the first webpage a user visited.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">pardot</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">The pardot cookie is set while the visitor is logged in as a Pardot user. The cookie indicates an active session and is not used for tracking.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">pi_opt_in1055213</td><td class="cookielawinfo-column-3">7 days</td><td class="cookielawinfo-column-4">The cookie is used by SalesForce/Pardot to store privacy preferences.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">utm_campaign</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">Google Ad Services sets this cookie to store session campaign value if present.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">utm_content</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">This cookie is used for storing the session content value if present.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">utm_source</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">This cookie is used to record from where the visitor came to the website orginally. This information is used by the website operator to know the efficiency of their marketing.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">utm_term</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">This cookie is used to record from where the visitor came to the website orginally. This information is used by the website operator to know the efficiency of their marketing.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">visitor_id*</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">Pardot sets this cookie to store a unique user ID.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">visitor_id*-hash</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">Pardot sets this cookie to store a unique user ID.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">vuid</td><td class="cookielawinfo-column-3">2 years</td><td class="cookielawinfo-column-4">Vimeo installs this cookie to collect tracking information by setting a unique ID to embed videos to the website.</td></tr></tbody></table></div></div></div></div><div class="cli-tab-section"><div class="cli-tab-header"> <a id="wt-cli-tab-link-advertisement" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-advertisement" aria-controls="wt-cli-tab-advertisement" class="cli-nav-link cli-settings-mobile" data-target="advertisement" data-toggle="cli-toggle-tab"> Advertisement </a><div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-advertisement" aria-label="advertisement" data-id="checkbox-advertisement" role="switch" aria-controls="wt-cli-tab-link-advertisement" aria-labelledby="wt-cli-tab-link-advertisement" /> <label for="wt-cli-checkbox-advertisement" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">advertisement</span></label></div></div><div class="cli-tab-content"><div id="wt-cli-tab-advertisement" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-advertisement" class="cli-tab-pane cli-fade" data-id="advertisement"><div class="wt-cli-cookie-description">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.<table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_fbp</td><td class="cookielawinfo-column-3">3 months</td><td class="cookielawinfo-column-4">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.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">fr</td><td class="cookielawinfo-column-3">3 months</td><td class="cookielawinfo-column-4">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.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">IDE</td><td class="cookielawinfo-column-3">1 year 24 days</td><td class="cookielawinfo-column-4">Google DoubleClick IDE cookies are used to store information about how the user uses the website to present them with relevant ads and according to the user profile.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">li_sugr</td><td class="cookielawinfo-column-3">3 months</td><td class="cookielawinfo-column-4">LinkedIn sets this cookie to collect user behaviour data to optimise the website and make advertisements on the website more relevant.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">test_cookie</td><td class="cookielawinfo-column-3">15 minutes</td><td class="cookielawinfo-column-4">The test_cookie is set by doubleclick.net and is used to determine if the user's browser supports cookies.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">utm_medium</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">This cookie is used to record from where the visitor came to the website orginally. This information is used by the website operator to know the efficiency of their marketing.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">VISITOR_INFO1_LIVE</td><td class="cookielawinfo-column-3">6 months</td><td class="cookielawinfo-column-4">YouTube sets this cookie to measure bandwidth, determining whether the user gets the new or old player interface.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">VISITOR_PRIVACY_METADATA</td><td class="cookielawinfo-column-3">6 months</td><td class="cookielawinfo-column-4">YouTube sets this cookie to store the user's cookie consent state for the current domain.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">YSC</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">Youtube sets this cookie to track the views of embedded videos on Youtube pages.</td></tr><tr class="cookielawinfo-row"><td 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data-id="checkbox-others" role="switch" aria-controls="wt-cli-tab-link-others" aria-labelledby="wt-cli-tab-link-others" /> <label for="wt-cli-checkbox-others" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">others</span></label></div></div><div class="cli-tab-content"><div id="wt-cli-tab-others" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-others" class="cli-tab-pane cli-fade" data-id="others"><div class="wt-cli-cookie-description">Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.<table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">__wpdm_client</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">Description is currently not available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_cfuvid</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">Description is currently not available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_splunk_rum_sid</td><td class="cookielawinfo-column-3">15 minutes</td><td class="cookielawinfo-column-4">No description</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">AnalyticsSyncHistory</td><td class="cookielawinfo-column-3">1 month</td><td class="cookielawinfo-column-4">No description</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">AWSALBTG</td><td class="cookielawinfo-column-3">7 days</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">AWSALBTGCORS</td><td class="cookielawinfo-column-3">7 days</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">email</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">experiments-fingerprint</td><td class="cookielawinfo-column-3">6 months</td><td class="cookielawinfo-column-4">No description</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">experiments-raw</td><td class="cookielawinfo-column-3">6 months</td><td class="cookielawinfo-column-4">No description</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">gclid</td><td class="cookielawinfo-column-3">past</td><td class="cookielawinfo-column-4">Used by Google to track conversions,</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">handl_ip</td><td class="cookielawinfo-column-3">1 month</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">handl_original_ref</td><td class="cookielawinfo-column-3">1 month</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">handl_ref</td><td class="cookielawinfo-column-3">1 month</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">handl_url</td><td class="cookielawinfo-column-3">1 month</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">li_gc</td><td class="cookielawinfo-column-3">5 months 27 days</td><td class="cookielawinfo-column-4">No description</td></tr><tr class="cookielawinfo-row"><td 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