Technical audit · 05.06.2026

maksekeskus.ee

Estonia's Largest Payment Processor — a Luminor Bank Subsidiary

A payment processor and Luminor Bank subsidiary, through which the payments of hundreds of thousands of Estonian customers flow, fires Google Analytics, Facebook Pixel, and Ahrefs before consent. The key finding: Facebook Pixel records a PageView on the privacy policy page itself.

Request timeline

+288 ms · before consent
Google Fonts (fonts.googleapis.com, fonts.gstatic.com) — the user's IP address to Google, USA.
+367 ms · before consent
Google Tag Manager (GTM-WHX9QS8) — status 200, data to Google, USA.
+368 ms · before consent
Facebook Pixel (fbevents.js, ID: 1777849789013867) — loads before the banner.
+292 ms · banner
The gdpr-cookie-compliance plugin loads — in parallel with the trackers. Zero Set-Cookie responses per session.
+622 ms · before consent
Google Analytics (analytics.js) — the old UA version plus two GA4 containers (G-XSLDH01KSM, G-6D2LBT9WYH).
+752 ms · before consent
Facebook Pixel — a PageView event: dl=https://maksekeskus.ee/andmekaitsetingimused/ — recording a visit to the privacy policy page.
+790 ms · before consent
Ahrefs Analytics (analytics.ahrefs.com) — a pageview event carrying the URL, browser language, and screen resolution.
+2968 ms
Google Ads (pagead2.googlesyndication.com) — data collection for the Google advertising network.
+3047 ms, +3079 ms
Google Analytics collect — two separate GA4 containers transmitting data.

Declared versus actual

+ Google Tag Manager (GTM-WHX9QS8) — not declared
+ Google Analytics — two GA4 containers + UA — not declared
+ Google Ads (pagead2.googlesyndication.com) — not declared
+ Facebook Pixel (ID: 1777849789013867) — not declared
+ Facebook SDK — not declared
+ Google Fonts — not declared
+ Ahrefs Analytics — not declared

Transfer timings

+288 ms fonts.googleapis.com

Google Fonts, IP address to the USA

+367 ms www.googletagmanager.com

GTM-WHX9QS8, status 200

+368 ms connect.facebook.net

Facebook Pixel fbevents.js

+622 ms www.google-analytics.com

analytics.js — the UA version

+752 ms www.facebook.com

A PageView on the privacy policy page

+790 ms analytics.ahrefs.com

Pageview, language ru, resolution 1920x1080

+2968 ms pagead2.googlesyndication.com

Google Ads collect

+3047 ms region1.google-analytics.com

GA4 G-XSLDH01KSM collect

+3079 ms region1.google-analytics.com

GA4 G-6D2LBT9WYH collect

Detected trackers

Indicators of GDPR non-compliance

Context

Maksekeskus AS is Estonia’s largest payment processor, a subsidiary of Luminor Bank AS. It processes payments for hundreds of Estonian online stores, including several mentioned elsewhere in this series — EVEA declared Maksekeskus AS as its payment partner. The company holds a payment institution license and is supervised by Finantsinspektsioon. HAR: 71 requests, 11 domains. The audit was conducted on the privacy policy page itself — maksekeskus.ee/andmekaitsetingimused/.

The key finding — trackers on the privacy policy page

The HAR was captured on the andmekaitsetingimused page — the Estonian word for “data protection terms,” i.e., Maksekeskus’s own privacy policy. Facebook Pixel records a PageView with the exact URL of this page and sends it to Meta (USA) before any user consent. The user opens the page to find out how the company processes their data — and at that very moment, their data goes to Facebook.

71 requests, 10 external domains. All the key trackers fire within the first second of the session — before any interaction with the consent banner:

+288 ms — Google Fonts (fonts.googleapis.com, fonts.gstatic.com). IP address to Google, USA.

+367 ms — Google Tag Manager (GTM-WHX9QS8), status 200. Data to the USA.

+368 ms — Facebook Pixel (fbevents.js, ID 1777849789013867). Loads before the banner.

+622 ms — Google Analytics: the old Universal Analytics version plus two separate GA4 containers (G-XSLDH01KSM and G-6D2LBT9WYH). Three analytics streams running simultaneously.

+790 ms — Ahrefs Analytics (analytics.ahrefs.com). A pageview carrying the page URL, browser language (ru), and screen resolution (1920x1080). Ahrefs is an SEO

Evidence

How to verify: download the file and compute its checksum — sha256sum file.har (Linux, macOS) or certutil -hashfile file.har SHA256 (Windows); it must match the one shown. The conclusions apply to the scope of this measurement — see the limitations of the method.

Original (audit)
HAR file: ee/maksekeskus-ee-2026-06-05.har
SHA-256: 3e56a028b7cb196cfd75b720dad634941b305dda72047b495bc83ad9fd760675
Re-check snapshot
Awaiting changes
HAR files are stored on EU infrastructure (Proton Drive). SHA-256 is published for integrity verification.