In-store payments

Accept card payments in your store or on the move!

New business customer can get a card payment terminal for 6 months at a 50% discount.
Give more payment options to your customers.
Fast accepted payments settlement to your account.
Add additional card payment terminal to new outlet fully digitally.
Save on cash handling and be secure by not dealing with cash.

Fill in an application in 5 minutes

Get personalized offer

Sign the agreement in your Internet Bank

We’d suggest these solutions for card payments collection according to your business needs:

	Smart terminal	Stationary terminal	Portable terminal	Cash Register System
Point of sale location	mobile or fixed location	fixed location	mobile or fixed location	fixed location
Technical notes	You will need additionally Android or iOS device with mobile internet	Fixed or mobile internet connection required. Integration with cash register system.	Mobile internet connection required. Terminal can be selected with bluetooth-connection.	Cash Register System
Terminal price or renting fee	Purchase fee 140 EUR + VAT	Rent of a payment terminal in month. See price list	Rent of a payment terminal in month. See price list	Integrated solution provided directly by service provider.
Transaction fee	1,45% per transaction	Request proposal	Request proposal	Request proposal
	Read more	Read more	Read more	Read more

Which card terminal would suit you best? Let‘s choose the right one for you together!

We have queues all the time (e.g., grocery store).
We have occasional queues daily.
Queues are seasonal, normally we serve a limited number of customers daily.

At the table.
At the bar.
At the fixed payment desk (e.g. canteen).

We are flexible in creating industry centric solutions that may serve:

Automated kiosks/machines
Vending solutions
Fuel stations
Donation solutions
Carwash solutions
Parking solutions
Transport solutions
Ticketing machines
And others

Let’s discuss your specific needs for a tailor-made solution. Fill in the application below and we will get back to you shortly.

Accepting card payments in trading venues

We offer card payments solutions for most business sectors depending on their needs and point of sale specifics.
See how card payments work

Customers will not be limited by the amount of cash in their wallet.
Card payments are quick and convenient for you and your client.
Customers satisfied with preferred payment methods tend to come back.
Foreign tourists tend to pay by card.

Payment by card is not only popular, but also the fastest way to pay in the market.
Employees save time – more attention to the customer rather than to counting money and change.
Fast accepted payments settlement to your account.

Fewer human mistakes (unintentional or intentional) means lower risk of financial losses.
Cashless payments mean less worries about cash handling and storage.
Less cash in the till means lower risk of theft, fraud or counterfeit money.

Useful information

Payment terminals can be returned only:

via Omniva parcel machines. Delivery is paid by us;
by courier or other parcel service. Delivery costs according to the service provider’s price list.

You can track your parcel using the barcode given to the sender when parcel was processed.

See the instructions

Serve more customers by accepting payment cards from UnionPay.

UnionPay is an association of bank card industry in China and the largest card payment organisation in the world in terms of the number of cards issued. Over 7 billion cards are issued in over 49 countries and regions, among which 100 million are issued outside mainland China. UnionPay cooperates with over 1,800 institutions worldwide and UnionPay cards are accepted in over 170 countries and regions, covering 51 million merchants.

From 1 January 2019, acceptance of these cards will be activated in all your POS terminals automatically – all you need to do is to prominently display the Point of Sale materials (card scheme logo stickers provided by service provider) at the entrance to the shop and by the cash register.

We provide services related to American Express card transactions on the basis of a cooperation agreement with American Express.

Accepting payments with American Express cards brings a range of benefits to your business, giving you access to their loyal high spending cardholders who often actively seek out merchants accepting American.

Card programme members are attracted to the wide range of rewards, benefits and superior customer service offered by American Express branded products and include both consumer and business clients.

How to apply?

Submit a request for American Express card service. We will then contact you to agree on the terms and sign the agreement.
The agreement will be activated after the compliance check by American Express has been finalised with positive results.
NB! The Legal Person Questionnaire for the company data needs to be renewed in the internet bank on the date of signing the American Express Card Acceptance Agreement.
American Express Card Acceptance Agreement will be signed separately for each point of sale.

MIT agreement – Merchant Initiated Transaction (MIT) agreement between merchant and cardholder who buys merchant goods & services.

Merchants are responsible for putting in place or updating co-operation agreements with their operators or intermediary companies partners to confirm that any MIT agreement includes the following:

Name and full address of Merchant
Purpose of the agreement / payment
Type of payment (such as no show, prepayment)
Duration of the agreement
Total amount and currency of the agreement (or an estimate if the precise payment amount is not known with details on how the final amount will be calculated)
Amount and currency of the authentication
Amount and currency of the first payment
Cancellation procedure
Payment schedule and/or timing of first payment

To avoid future claims between cardholder and merchant, we suggest that the merchant also confirms all components of the MIT agreement with the cardholder via email.

Merchant at any time must present to service provider evidences about concluded MIT agreements with operators or intermediary companies.

In order to start accepting card payments you have to:

Choose the terminal type
Apply for the agreement and we will contact you to finalize agreement preparation and conditions.
Sign agreements via Internet Bank.
After signing the agreement, the service will be activated in the systems and terminals installed/activated within 5 business days.

Payment card servicing is provided for the legal entities and sole traders registered in a European Union Member State who have a current account in Swedbank.
There are prohibited Activity areas when agreement cannot be concluded.
Agreement can be signed by representative person or person having power of attorney.
Agreement will be activated if compliance check is positive.

If you have an active Payment Cards Service Agreement, you can add additional outlet fully digitally.

Click “Add new outlet” button at the top of this page.
Fill in all required fields about your point of sale and choose the terminal type.
Sign the Annex to the Payment Cards Service Agreement and, if necessary, the Terminal Rental Agreement digitally. In case you rent a terminal from us, you need to sign the annex and the rental agreement. If you have your own terminal or other solution, you need to sign the annex only.
After signing the annex, if all the entered data is correct, the service will be activated within three business days and the service provider will contact you to agree on the time of installation of the terminal.

The annex and the rental agreement can be signed by the company’s legal representative who has the sole right of representation according to the Commercial Register with Smart-ID, Mobile-ID or ID card.

Servicing payment cards (for merchants)

Effective as of 01.06.2023

Commission fee on the transaction amount	as agreed
smart terminal transaction	1.45%
Fee for a technical device Minimum rental period for terminal is 3 months. If the terminal rental is terminated before the minimum rental period, the Bank shall have the right to debit the early return fee of terminal.
rent of a payment terminal in month VAT at the rate of 20% will be added to the price.
stationary terminal VAT at the rate of 20% will be added to the price.	13 €
mobile terminal VAT at the rate of 20% will be added to the price.	19,50 €
stationary, mobile terminal VAT at the rate of 20% will be added to the price.	18 €
stationary terminal with bluetooth connection VAT at the rate of 20% will be added to the price.	18 €
installation of terminal within 2 banking days VAT at the rate of 20% will be added to the price.	84 €
installation of terminal starting from agreement signing witin 5 banking days	free of charge
replacement of card payment terminal at the client’s request VAT at the rate of 20% will be added to the price.	21 €
penalty for failure to return payment terminal on time	cost of terminal according to certificate
Fee for amendment of payment card service contract	15 €
Early return fee of terminal	equal to the sum of rental fees still payable for that moment
Smart terminal purchase fee (Seller: Hansab AS) VAT at the rate of 20% will be added to the price.	140 €

Servicing card payments in e-commerce

E-commerce payments platform
Agreement fee	free of charge
Monthly fee	free of charge
Commission fee on the transaction	as agreed
Payment initiation fee	0,45% of the purchase price, minimum 0,10 €, maximum 0,95 € per transaction
Fee for amendment of agreement	15 €

Bank link

Agreement fee	free of charge
Fee for payment initiation from Swedbank and from other financial institutions	0,45% of the purchase price, minimum 0,10 €, maximum 0,95 € per transaction
Amendments to the agreement	15 €
Authentication fee VAT at the rate of 20% will be added to the price.	0,11 €

Reports to be ordered - Shopper Profile Report VAT at the rate of 20% will be added to the price.

Basic	105 €
Standard	625 €
Detailed	1300 €

E-invoice

E-invoice sending service VAT at the rate of 20% will be added to the price.
subscription via bank representative	30 €
subscription via internet-bank	free of charge
amendment	12,50 €
subscription to domestic e-invoice service The fee will be calculated for each e-invoice sending registration application sent to bank, who is member in cross-usage system.	8 €
The fee for sending a e-invoice (per invoice sent) VAT at the rate of 20% will be added to the price. The monthly fee for e-invoices sent through Swedbank Gateway or the Operator Channel is calculated based on e-invoices sent during the previous month.
intra-bank invoice	0,19 €
domestic invoice	0,35 €
e-invoice credit note	free of charge
Implementation of the company’s design template in the Swedbank Internet bank VAT at the rate of 20% will be added to the price.	120 €
Agreement about reports (based on e-invoice agreement) VAT at the rate of 20% will be added to the price.
e-invoice standing order agreements report fee	9,50€/month
e-invoice standing order agreements payments report fee	9,50€/month

This special offer for renting a payment terminal helps your company start business.

All new business customer offers

What is a smart terminal?

Small-sized and convenient portable smart terminal is operated through a smart phone or tablet PC and can accept both traditional payment cards and contactless payments. Ideal in case of small volumes or infrequent transactions, mobile or fixed trading venues’ location.

The merchant will own the terminal.
No monthly rental fees are applied.
Recommended having less than 30 transactions per day.
Accepts contactless payments.
Operates with latest Android / iOS operating system for smart phone and tablet.
Very small and light, therefore, convenient to carry.
Easy to start using it - you will make installation by yourself.
Paperless – receipts are sent via email or by SMS.
Smart terminal purchase fee 140 € + VAT.

Apply and conclude the agreement.
Order the smart terminal from the Hansab and get it to your address.
Receive the smart terminal and read its User Manual.
Download the Swedbank and smart device apps.
Install and activate terminal in your device.
Start accepting card payments

Swedbank app

Swedbank smart terminal app

What is a stationary terminal?

Intended for small and medium-sized businesses.
Mostly suitable when having permanent trading places.
Power supply and Internet access are required (can be either fixed or mobile internet).
Equipped with a pin pad for the convenience of both customers and the merchant.
If there is no fixed internet connection in point of sale, then You can also choose a stationary terminal with mobile connectivity.
Terminal with a fixed internet connection has possibility to be connected with the Cash register system – increases speed of payment and there is no need for manual input which reduces mistakes. Check with your service provider.
Monthly rental fee is applied. See the price list.

Apply and conclude the agreement.
Our partners technicians will install the terminal in your outlet;
Start accepting card payments

Terminal user guides:

What is a portable terminal?

Intended for small and medium-sized businesses.
Suitable when having fixed or mobile point of sale.
It has battery, so you can bring it to your customer for the payment.
Mobile internet access is required (terminals rented from us are already equipped with the SIM card).
Terminal can be chosen with bluetooth connection, that needs a fixed internet connection and it communicates with its base station via a bluetooth connection. Can be connect with the cash register system.
Monthly rental fee is applied. See the price list.

Apply and conclude the agreement.
Our partners technicians will install the terminal in your outlet;
Start accepting card payments.

Terminal user guides:

Cash Register System & Integration

Ideal solution for companies with medium or large transaction volumes, fixed point of sale or self-service solutions.

Intended for medium or large businesses.
Suitable when having fixed point of sale.
Increased speed of payment and reduced mistakes as there is no need for manual input of payment amount which is transmitted directly from the cash register system to the terminal.
Must be approved – check with your selected Cash Register System.
Terminal integration: payment terminal is connected to cash register system; installation and service is provided by our partners technicians and cash register system service provider.
Cash Register System solution: no terminal related fees by us. Integrated solution is provided directly by acquirer approved service provider.

Contact your Cash Register System provider to check if they have an integrated solution that is approved by us and what are the necessary conditions for providing the solution.
Sign Acquiring agreements via Internet Bank.
We will activate the acquiring service and will send the needed data to activate integration.
Terminal integration: our partners technicians will install the terminal in your outlet and Cash Register System will activate integrated solution;
Cash Register System solution: Cash Register System service provider will install and activate solution in your outlet.
Start accepting card payments.

Self-service solution

The self-service solution allows to conduct cashless transactions and these solutions can be integrated with various cash register systems.

Solutions available for both indoors and outdoors, e.g., parking, ticket and snack machines.
The entire sales process is conducted automatically, which helps save on resources as you do not have to have a customer service representative present.
Device installation and maintenance is performed by the service provider.

Contact us and together we will find a solution that best meets the needs of your company.
Contact our recommended technical solution providers to discuss whether and under what conditions they can provide you with a self-service solution.
Apply and conclude an agreement.
Our partner technicians will install the terminal at your point of sale.
Start accepting card payments.

How do card transactions work?

In this video, you will find out about:

the card ecosystem and authorization flow;
possible transaction types;

How to start accepting payment cards?

In this video, you will learn about:

available card acceptance solutions;
how to obtain the terminal and how to quickly set it up;
where to get technical support.

Online card acceptance

In this video, you will get information about:

what is online card acceptance;
what are the benefits of online acceptance;
how do online payments work;
what are the requirements for online merchant;
how can the risk be minimized in online environment.

What is chargeback?

In this video, you will get to know about the chargebacks – the process, timeframe, responsibilities, and solutions to avoid them.

What is card fraud?

This will explain the key things about fraud:

what to do in case of suspected fraud;
how to minimize it.

What a merchant needs to do to be compliant?

This video will explain:

what are the main responsibilities of the merchant
how to ensure compliance with rules of the international card organizations and the bank.

What is the PCI DSS?

With this video, you will understand:

what is the Payment Card Industry Data Security Standard (PCI DSS);
how card data can be stolen;
what are the consequences of the merchant not following the PCI DSS rules;
what can a merchant do to comply with the PCI DSS.

The Payment Card Industry Security Standards Council (PCI SSC) has been established by the leading international card organizations Visa, Mastercard , Amex, Diners, Discovery, JCB. The PCI SSC has developed the PCI DSS rules and documents to regulate and lay down the card security principles and policies. Payment security guidance must be followed by all entities (including banks, merchants, payment processors) which store, process or transmit cardholder data. These rules set the technical and operational requirements for organizations accepting or processing payment transactions.

Please see the latest version of requirements and standards here.

All merchants that store, process or transmit cardholder data must be PCI DSS compliant.

Card data and sensitive authentication data elements:

	Data Element	Storage Permitted	Render Stored Data Unreadable
Cardholder Data
	Primary Account Number (PAN)	Yes	Yes Standard requires that the PAN must be rendered unreadable
	Cardholder Name	Yes	No
	Service Code	Yes	No
	Expiration Date	Yes	No
Sensitive Authentication Data Sensitive authentication data must not be stored after authorisation, (even if encrypted)
	Full Track Data Full track data from the magnetic stripe, equivalent data on the chip, or elsewhere	No	Prohibited
	CVV2/CVC2 The three or four-digit value printed on the front or back of a payment card	No	Prohibited
	PIN/PIN Block Personal Identification Number entered by cardholder during a transaction, and/or encrypted PIN block present within the transaction message	No	Prohibited

How to be sure that you are compliant with PCI DSS requirements?

We inform merchants once per year via e-mail what kind of action must be taken to comply with the PCI DSS. The requirements are presented in the table below.

Merchants are categorized into 4 levels based on the annual number of card payment transactions by one card brand (i.e. Mastercard, Visa, Amex etc.). We require Level 1 - Level 3 merchants to notify us of their compliance status after the required action has been taken. Level 4 merchants must notify us of their compliance status by sending a completed Self-Assessment Questionnaire (SAQ).

Merchant level	Merchants transaction criteria	Required actions from merchants	Frequency
Level 1	Merchants with 6 million and more annual transactions in total for Mastercard or Visa	External security audit made by Qualified Security Assessor(QSA)	once per year
Level 1		Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	once per quarter
Level 2	Merchants with 1 to 6 million annual transactions in total for Mastercard or Visa	Qualified Security Assessor (QSA) or Internal Security Assessor (ISA) Level 2 merchants who choose to complete an annual self-assessment questionnaire must ensure that staff engaged in the self-assessment attend PCI SSC ISA training and pass the associated accreditation program annually in order to continue the option of self-assessment for compliance validation. Alternatively, Level 2 merchants, at their own discretion, must complete an annual onsite assessment conducted by a PCI SSC approved Qualified Security Assessor (QSA) rather than complete an annual self-assessment questionnaire.	once per year
		1. Merchants completing the SAQ A, A-EP or D are required to engage a QSA or ISA for annual compliance validation. 2. Merchants completing the SAQ B, B-IP, C-VT, C or P2PE may now self-assess without the use of a QSA or ISA for compliance validation	once per year
		Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	once per quarter
Level 3	E-commerce merchants with 20 000 to 1 million annual transactions in total for Mastercard or Visa	Completing annual Self-Assessment Questionnaire (SAQ) required	once per year
Level 3		Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	once per quarter
Level 4	All other merchants	Annual Self-Assessment Questionnaire (SAQ) at merchant’s discretion	Recommended once per quarter
Level 4	All other merchants	Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	Recommended once per year

Keep in mind, that you’ll need to perform:

Security audit by a certified auditor acting as Qualified Security Assessor (QSA) at the legal entities that are presented on the official PCI DSS website.
Scanning of the network by a qualified net scanning vendor acting as Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA). ASV can conduct a scanning procedure for in-store and online merchants but have no rights to perform annual audits.
Internal audit, during which questions in SAQ (Self Assessment Questionnaire) have to be answered. The questionnaire content depends on technical solution.

PCI DSS requirements and goals

The 12 requirements and goals in the table below will help you to understand what important actions must be performed to be compliant wiht PCI DSS rules.

Goals	PCI DSS Requirements
Build and maintain a secure network and system	1. Install and maintain a firewall configuration to protect cardholder data. 2. Do not use vendor-supplied defaults for system passwords and other security parameters.
Protect cardholder data	3. Protect the stored cardholder data. 4. Encrypt transmission of cardholder data across open public networks.
Maintain a vulnerability managemenet program	5. Protect all systems against malware and regularly update anti-virus software or programs. 6. Develop and maintain secure systems and applications.
Implement strong access control measures	7. Restrict access to cardholder data under business need-to-know. 8. Identify and authenticate access to system components. 9. Restrict physical access to cardholder data.
Regularly monitor and test networks	10. Track and monitor all access to network resources and cardholder data. 11. Test security systems and processes on a regular basis.
Maintain an information security policy	12. Maintain a policy that addresses information security for all personnel.

For more information please visit https://www.pcisecuritystandards.org/

Please contact us by calling 613 2222 if you need a consultation or you wish to report a fraudulent situation. You can learn more about how to do your banking securely here.