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Business

Accepting card payments

Accepting card payments

Card payments are secure and increase the turnover of the enterprise

  • You no longer have to settle in cash
  • The money reaches your account fast
  • Broad selection of POS-terminals
  • Overview of card transactions in a convenient manner in internet bank

Card payment is easy, secure and quick both, for the client as well as for the merchant. You need a POS-terminal or cash register system and a valid merchant agreement to accept card payments.

Which payment solution to choose?

We offer a wide range of payment solutions which support the payment with chip, magnetic stripe as well as contactless cards.
In order to get an offer for accepting payment cards at your point-of-sale, submit an application in internet bank or at the homepage.

 
  • Smart terminal NEW!

    When signing a contract before June 30, 2019 offer for transaction fee of 1.25% applies.

    • Favourable – monthly fee of EUR 8, which includes maintenance of the terminal and 24h customer support.
    • Flexible – suits both, stationary merchants as well as those on the move (such as taxi drivers, merchants at trade fairs, sole entrepreneurs etc.).
    • Stylish, small and handy to carry along.
    • Screen with background light.
    • Works via Bluetooth connection with a smartphone or tablet using Android or iOS operating system.
    • Easy settings.
    • Card transaction receipt can be sent to the buyer by e-mail.
    • Can be rented for freely chosen period.
    • How to start using a smart terminal?
    Technical requirements
     
    • The terminal is connected to payment app “Comfy by Worldline”.
    • The app works via Bluetooth on smartphones or tablets with Android or iOS operating system.
    • The smartphone or tablet must have Internet access. When using Wi-Fi network, the firewall must allow outgoing connections to IP address 195.160.171.96 and at least SSL/TLS-protocol connections to target ports 17171; 41405 and 11709 must be ensured.
     
  • Local Area Network (LAN) terminal

    • Suitable for merchants with stable point-of-sale.
    • Availability of fixed Internet connection at the point-of-sale.
    • Can be connected with the cash register solution, certified by Nets Estonia, where the transaction amount to be paid is automatically transferred from the cash register system to POS, eliminating thus the possibility of entering incorrect purchase amount.
    • Installation of the POS-terminal is free of charge.
    Technical requirements
     
    • Availability of fixed Internet connection at the point-of-sale.
    • Free LAN socket within the range of 3 m.
    • Free power socket within the range of 1.5 m.
    • Firewall must permit outgoing connections to IP addresses 194.204.43.40 and 195.160.171.96 for each active POS-terminal.
    • At least SSL/TLS-protocol connections to target ports between 8040-8200, 10850-11000 and 17171; 41405; 11709 must be ensured.
     
  • GPRS, battery-powered terminal

    • Suitable for merchants in the GPRS coverage area, where ensuring the mobility of the terminal is essential (such as restaurants, couriers, merchants at the trade fair, taxis, etc.).
    • To make a card transaction, the merchant can easily move over to the customer with the terminal.
    • POS-terminals include a SIM-card, which is necessary for data communication.
    • Installation of the POS-terminal is free of charge.
    Technical requirements
     
    • A SIM-card supporting the GPRS-service, which can be obtained from the bank together with the POS-terminal.
    • Availability of GPRS coverage.
     
  • GPRS, mains-powered terminal

    • Suitable for merchants with a stable point-of-sale in the GPRS covered area, however with no Internet connection (LAN).
    • POS-terminals include a SIM-card, which is necessary for data communication.
    • Installation of the POS-terminal is free of charge.
    Technical requirements
     
    • A SIM-card supporting the GPRS-service, which can be obtained from the bank together with the POS-terminal.
    • Free power socket within the range of 1.5 m for a LAN-terminal.
    • GPRS network.
     
  • Bluetooth terminal

    • Suitable for merchants with fixed Internet connection, however where mobility of the terminal is essential for accepting card payments.
    • It is easy to move around with the terminal for making card payments within the range of 200 m from the stand of the terminal (base station).
    • Can be connected with the cash register solution, certified by Nets Estonia, where the transaction amount to be paid is automatically transferred from the cash register system to POS, eliminating thus the possibility of entering incorrect purchase amount.
    • Installation of the POS-terminal is free of charge.
    Technical requirements
     
    • Availability of fixed Internet connection at the point-of-sale.
    • Free LAN socket within the range of 3 m.
    • Free power socket within the range of 1.5 m.
    • Firewall must permit outgoing connections to IP addresses 194.204.43.40 and 195.160.171.96 for each active POS-terminal; at least SSL/TLS-protocol connections to target ports between 8040-8200, 10850-11000 and 17171; 41405; 11709 must be ensured.
     
  • POS-terminal with Wi-Fi connection

    • Suitable for merchants with fixed Internet connection and Wi-Fi router at the point-of-sale, where mobility of the terminal is essential for accepting card payments.
    • To make a card transaction, the merchant can easily move over to the customer with the terminal.
    • Installation of the POS-terminal is free of charge.
    Technical requirements
     
    • Availability of fixed Internet connection at the point-of-sale.
    • Availability of Wi-Fi AccessPoint at the point-of-sale. Required WPA-encryption, 802.11b support.
    • Wi-Fi-router must be password protected.
    • Firewall must permit outgoing connections to IP addresses 194.204.43.40 and 195.160.171.96 for each active POS-terminal; at least SSL/TLS-protocol connections to target ports between 8040-8200, 10850-11000 and 17171; 41405; 11709 must be ensured.
     
  • Cash register payment solution

    • Suitable for merchants who value transaction speed and complete sales programme with additional functions.
    • You can obtain the necessary device from the service providers certified by Nets Estonia.
    • You can connect LAN and Bluetooth terminals with the cash register system.
     

To get an offer, submit an application in internet bank or on the homepage!


In addition to payment card services, we offer also:

  • a POS-terminal and the software required for its use;
  • maintenance and repair of the POS-terminal;
  • updates and upgrades of the POS-terminal and software;
  • 24h customer support on the phone line indicated on the POS-terminal;
  • replacement terminal for the duration of repair;
  • training at the merchant and guidance documents.
  • To conclude the merchant agreement, the company/sole entrepreneur must be a corporate customer of SEB.
  • To conclude the agreement, fill in the application either in Internet Bank for Business, on the homepage or at the client executive.
  • Upon signing the merchant agreement, the accepted card types (Mastercard, Maestro, Visa, Visa Electron) and the terms and conditions for card payments and the commission fees shall be agreed as requested by you. Non-acceptance of a certain type of card does not prevent acceptance of other card types.
  • All new merchant agreements and amendments to the existing ones include allocation of commission fees by products and card types of different card organisations. Upon request to reflect an extended division of card types in the existing merchant agreement, please contact us by phone 665 5100 or by e-mail for making the amendments.
  • Our partner shall install the POS-terminal, required for accepting card payments, free of charge.
  • Training concerning the use of the POS-terminal shall be organised in your company on site during installation of the terminal.
  • When applying extra charges related to card payments, you as the merchant undertake to inform the consumer thereof at the point-of-sale before executing the payment.
  • You can view the report of card payments conveniently in Internet Bank for Business; the respective report may be ordered free of charge also to your e-mail address. The report is cash- and point-of-sale based and by accepted card types pursuant to the card organisations and card types indicated in the merchant agreement.

User manuals and guidelines

Processing of card payments and reporting

Authorisation and reversal of transactions

Requirements for accepting bankcards


Instructions for using POS-terminals

Instructions for using terminals issued by Nets Estonia can be found on the homepage of Nets Estonia.

Instructions for using terminals issued by Worldline:

How to start using a smart terminal? Smart terminal user guide Ingenico terminal

Contact

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