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E-commerce payment collection
service for your online business


Accept your customers payments online

Choose one, two, three or four customer payment methods to suit your business needs.

Payments with cards
Payments with internet banks: SEB, Swedbank, LHV, Luminor, Citadele
Payments with PayPal
Payments with Google Pay and Apple Pay

New! Tokenised payment initiation service

Tokenised payment initiation service improves the shopping experience of your customers and increases the number of e-commerce transactions.

  • Secure storage of customer preferences for open banking payments
  • Simplifying the payment process for repeat purchases
  • A save function in the e-shop reduces the number of clicks needed to make a payment, thereby reducing shopping cart abandonment


The tokenised payment initiation service is only available for API interfaces.


How to integrate? 

Choose an option based on your e-shop

E-shop by e-commerce platform

If the e-shop is created using an e-commerce platform (e. g., WooCommerce, OpenCart, Magento2 (Adobe Commerce), PrestaShop, Voog, ShopRoller, or the latest version of, we will provide you with free plug-ins. 

Documents needed

Custom-made store

If your store is custom-made, the integration is easy using a standardised application programming interface (API). 

Documents needed

Mobile app shop

If you have an app shop, the integration is done via SDK applications.

Trusted by e-shops

We are trusted by more than 900 Estonian e-shops




Additional benefits


The merchant portal

Monitor your customers’ payment status in real time. See their payment history. Make a refund (if a customer pays by card).



A unique link with payment information for individual or subscription orders is generated. You forward the link to your customer. The payment is made.


Technical support

Via phone and/or e-mail in estonian and english languages.


Fraud prevention

Fraud prevention solutions for your store. 

How to start collecting payments in your e-shop?

Contact us and receive a personalised offer in 1 working day.  If you want, we will provide you with access to the DEMO version for your store. 
We can sign the agreement online within 1 working day. Technical integration will take 2 to 20 working days.


  1. Fill the application
  2. Sign an agreement with SEB
  3. Integrate payment solution to your e-shop
  4. Start collecting customer’s payments online

Still not sure about the service?

  • Share your needs in order to find the best personal offer for your business
  • Become more competitive with innovative solutions
  • Our client executives will help you find the right solution and guide you through the implementation process

General information for merchants

Merchant's website must meet the following terms and conditions to use the service.

The website offering the goods or services must belong to a company that has concluded an agreement with the bank.

The website should indicate:

  • complete name of the company;
  • registry code;
  • postal address; country of residence;
  • e-mail address;
  • contact phone.
  • Complete list of goods/services – a detailed description of the goods/service; price list (currency for the card transaction);
  • Total cost of the order – postal charges and the fee for determining them will be added; reference to possible additional fees, including the obligation of the person who orders to pay possible customs fees and value-added taxes.
  • Description and terms and conditions of the purchasing process – must be easily found and unambiguous for the customer;
  • Payment methods – all possible payment methods must be listed;
  • The website must clearly display the logos of the accepted cards (Mastercard/Visa) and trademarks (SecureCode, VbV). You can download the correct logos from the EveryPay website.
  • Procedure for handing over / sending the goods;
  • Procedure for forwarding data about the order to the customer;
  • Warranty provisions of the goods; procedure for exchange and return;
  • Phone and e-mail address of customer support and procedure for providing feedback. Phone: local time working hours and time zone (GMT +2); e-mail address: time period in which replies are provided.
  • The merchant undertakes to verify by any means which leaves a written record that the card owner has agreed to the terms and conditions for providing the service and/or the sale of the goods before confirming the transaction.

NB! The entire transaction process must be executed on the website specified in the agreement concluded with the bank. It is prohibited to direct the website to sites not specified in the agreement. It is also prohibited to direct the websites of other sales environments to the website specified in the agreement.

Our e-commerce payment service is provided through the bank's partner's payment gateway platform EveryPay. This solution  has been recognised as the best cloud-based payment by The Paytech Awards 2020.

Get in touch with our technical provider at and/or +3726442201 (Mon–Fri, 9.00–17:00). 

Frequently asked questions

EveryPay logo


Payment initiation service transaction fee *According to agreement
Online card payment service fee per transaction for a card issued within the European Economic Area 1,35%, min €0.13
Online card payment service fee per transaction for a card issued outside the European Economic Area 2,55%, min €0.13
Commission fee for PayPal payments per transaction €0.10
Fee for concluding the agreement €0
Monthly agreement fee €0

*For individual offer please contact us.

Payment initiation service will allow you to make a payment directly from account in your account servicing payment service provider if your account is accessible online.

Using payment initiation service, you will need to authenticate yourself by providing personalized security credentials according to terms of your account servicing payment service provider. Payment authorization using strong customer authentication mean (Smart-ID, Mobile-ID, ID-card or other two-step authentication device ), provided to you by your credit institution, will be considered as your consent to execute the payment. You are responsible for the consent to the transfer of money. You may not recall your consent given to another payment institution.

SEB bank does not charge any additional fees for the payment initiation service. Payments fees from your account servicing payment service provider are according to your agreement with certain provider.

You will need to consent that your account data such as IBAN, name and currency will be forwarded to SEB bank to initiate payment. SEB bank does not use, access or store any data for purposes other than those necessary to establish a secure connection with your chosen account servicing payment service provider and to provide the payment initiation service.

You can read more about our data processing principles in SEB’s Terms and Conditions for Processing Personal Data.

Payment services ensured by AS SEB Pank

Legal entity code: 10004252
Address: Tornimäe 2, 15010 Tallinn, Estonia
Phone: +372 665 5100

SEB bank operates under the supervision of Financial Supervision Authority (Finantsinspektsioon)

Address: Sakala 4, 15030 Tallinn, Estonia
Phone: +372 668 0500

Interested in collecting payments in-store?

Accept your customers payments by cards and contactless payments in the way that suits your business model.

Bank Link and Authentication service

  • The bank link allows paying instantly for the goods and services purchased from your online shop. Bank link allows you to collect payments from SEB accounts.
  • The authentication service allows you to safely and simply identify a client entering your service environment or online shop.

Master all your sales transactions in one place

Try the new self service hub for merchants in the renewed internet bank.

  • Access your agreement details fully remotely
  • Comfortable all locations overview through your PC or mobile phone
  • Manage and update statements easily