Acceptance of card payments

Wide selection of payment terminals for every POS.

  • A convenient solution for clients that can help boost your turnover.
  • Money from card transactions reaches the company quickly, generally by the next morning.
  • Less settlement with cash.
  • Detailed overview of card transactions as a consolidated statement in the Internet Bank or in Swedbank Gateway.
  • Regular free training on how to accept card payments.

Options servicing of payments card

Smart terminal NEW!

  • Suitable for businesses with fixed or mobile point of sale and for soul proprietors (e.g hairdresser, chimney sweeper, farmer, fair merchant).
  • Operates with Android and iOS operating system for smart phone and tablet.
  • Recommended up to 50 transactions per day, suits also for rare transactions because there is no fixed expenses.
  • Easy to adjust and does not need the bank’s installation.
  • Terminal is small in size and comfortable to be carried around.
  • There is no paper receipt, if needed the seller can send it to client’s e-mail or via SMS.
  • Monthly fee is 0 €. Smart terminal purchase fee 104 €+VAT (Seller: Hansab AS).
    Commission fee on the transaction amount for all card groups 1,45%.
  • The merchant must buy the terminal.
  • Receives contactless payments.


Stationary terminal

  • Suitable for fixed location businesses.
  • Needs fixed Internet connection.
  • Recommended from 50 transactions per day.
  • Terminal can be chosen with bluetooth connection which gives the opportunity to move within 200 meter radius and take card payments without leaving the client.
  • You can also choose a stationary terminal with mobile connectivity. In that case, the terminal will be accompanied by a separate PIN code device. The terminal needs to be plugged in at all times, as it has no battery.
  • It is possible to be connected with the cash register system, so there is no need for manual input which reduces mistakes.
  • The terminal is going to be installed by Swedbank’s partner.
  • The terminal has monthly fee. Review the price list
  • Receives contactless payments.


Mobile terminal

  • Suitable for fixed or mobile point of sale.
  • It can be used all over Estonia, all it needs is a mobile connection.
  • Recommended from 50 transactions per day.
  • Utmost advantage is that transaction can be made without leaving the client.
  • The terminal is going to be installed by Swedbank’s partner.
  • The terminal has monthly fee. Review the price list
  • Receives contactless payments.


Cash register system

In addition to terminals, card payments can also be made through the cash register system.

  • Suitable for businesses which have a lot of transactions per day.
  • Cash register system can also be connected to payment terminals and it has to be certified by Swedbank.

For more information on certified cash register systems and their suppliers, contact the Swedbank on 613 2300 or e-mail

In case of interest contact your manager or consultation centre on 613 2222.


We enter into contracts for serving payment cards with legal entities registered in Estonia or another European Union Member State and sole traders registered in Estonia who have a current account in Swedbank.


We offer card payment terminals for accepting both chip and magnet stripe cards. The terminal’s installation is free of charge, usually within one week of entry into the payment card contract. It is possible to get a terminal within 24 hours for an extra charge.

Price list for services

Start-ups can get a card payment terminal for 6 months at a 50% discount

We help all start-ups take off! We offer the opportunity to rent a payment terminal for 6 months at a 50% discount from the price list.

Read more about start-up discounts

Ingenico ICT220

Smart terminal

Terminal user manual
  • Swedbank’s contactless payment-enabled terminals allow customers to make purchases of up to €25 without having to insert their card into the payment terminal or enter their PIN. This applies to contactless cards issued in Estonia or abroad.
  • Thanks to the new technology, everyday purchases will be even quicker and more convenient, while being just as safe as before. The contactless payment symbol is marked on the terminal screen to show customers where to place their card.
  • The text on the payment terminal screen confirms the payment by displaying the message ‘Transaction done’. Even if a customer taps their card on the terminal more than once, the amount is not debited from their account more than once. If a contactless payment cannot be made or the purchase totals more than €25, the customer needs to insert the card into the payment terminal and enter the PIN. .
  • If the terminal is integrated with the cash register system, please contact your cash register system service provider in order to activate contactless payment technology.