Glossary
YTD (Year-To-Date)

YTD (Year-To-Date)

YTD refers to financial or operational metrics accumulated from the beginning of the calendar or financial year up to the current date, commonly used in reporting dashboards and payment performance analysis.

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Expiry Date (Card Expiry Date)

Expiry Date is the month and year printed on a payment card, indicating when the card becomes invalid and must be replaced.

ZKP (Zero-Knowledge Proof)

ZKP is a cryptographic method that allows one party to prove knowledge of information without revealing the information itself, used in advanced authentication and privacy-preserving payment solutions.

ZIP (Buy Now, Pay Later Provider)

ZIP is a buy now, pay later (BNPL) service offering instalment-based payments for online and in-store purchases.

Zeroisation

The secure deletion of cryptographic keys and sensitive data from hardware security modules (HSMs) or other secure devices to prevent unauthorised use.

Zero-Rating

Refers to goods or services that are taxed at a 0% VAT rate, affecting invoice and payment calculations.

Zero-Auth (Zero-Amount Authorisation)

An authorisation request for a value of £0 used to validate a card before charging it. It confirms card validity without reserving funds.
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