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Collecting payments online


One integration.
Many possibilities.

Accept payments in ways that are the most convenient for your clients online. 

Payments with cards
Payments with internet banks: SEB, Swedbank, LHV, Luminor, Citadele
Payments with PayPal

Payment initiation service

Accept payment orders from buyers that have accounts within major Baltic banks: SEB, Swedbank, Luminor, Citadele, LHV, Coop and Šiaulių bankas

Merchant portal

The e-commerce payments solution includes a convenient portal that allows managing your transactions in one place: monitor payment status in real time, follow payment history, refunds.

Subscription payments

Perform subscription based payments that are collected automatically. They can be scheduled (recurring payments) or unscheduled (merchant initiated payments) as well.


Create a payment link and add it to your invoice, e-mail, SMS or QR code. All that customer has to do after clicking on it is select a preferable payment method.

One click payments

Very convenient for your returning customers - no need to re-enter the card data every time. However, strong customer authentication via Internet Bank is still required.

Fraud prevention

Smart and enhanced fraud prevention rules are used in e-commerce solution to reduce the risk of fraudulent payments.

Integration options

  1. Plugins for the most popular platforms: WooCommerce, OpenCart, Magento2, PrestaShop
  2. Integration through E-commerce Cloud platforms: Voog, ShopRoller, WebShopper
  3. Integration through standardised API (Application Programming Interface)
  4. Programming tool SDK for mobile applications


Customer support for e-commerce payment solution:

6 ecommerce integration platforms


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.

How to start?

We will send you personalized offer within 3 working days.

Fill the application

Sign agreement with SEB

Start collecting payments

Driven by best cloud-based payment gateway platform

Our e-commerce payment solution is provided in cooperation with the fintech company EveryPay, whose solution has been recognised as the best cloud-based payment by The Paytech Awards 2020.

6 steps to payment collection in your e-shop

Within 3 working days after submitting the application we will send you a personalized offer. Technical integration to the website can vary from 2 to 20 days.


  1. Fill the application
  2. Sign an agreement with SEB
  3. Integrate payment solution to your web
  4. Test if everything works fine
  5. Start accepting payments
  6. Get technical support by EveryPay

Need an advice on collecting payments?

  • 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

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.

Interested in collecting payments in-store?

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

Payment intiation service description

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