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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.

Up to five payment terminals free of charge for six months. The offer is valid for new agreements concluded before 31 January 2021 and for new business clients of SEB within a year from opening the account.

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

    • 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; 41404; 41405; 11709 31405; 29996 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; 41404; 41405; 11709 31405; 29996 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; 41404; 41405; 11709 31405; 29996 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.

Merchant agreement for card transactions

  • In order to accept card payments, we enter into a merchant agreement with a business client of SEB (company/self-employed person).
    - To request an offer, please fill in the contact form on the website.
    - To enter into the agreement, fill in the application in the Internet Bank for Business or on the website.
  • A consultant will contact you within two working days of receiving the application at the bank.
  • Upon concluding the merchant agreement, card payment processing fees and a payment terminal service fee are agreed upon.
  • After concluding the merchant agreement, SEB’s cooperation partner will contact you to install the payment terminal. The installation and training are free for you.
  • You can conveniently view the card payment report in the Internet Bank for Business or order a regular report in the desired channel. You can find more information about card payment reports here.

 

For card payments to be received in the company’s current account on a regular basis, transactions must be sent from the payment terminal at the end of the day. If the sending fails, check that the communication lines of the point of sale (GSM or Internet connection) are working. The payment terminal must print a correct transaction sending report with the indication that the transactions were sent successfully. Compare the number and amount of the transactions on the sending report with the daily receipts. If you find any differences, please contact the bank.


Card payment statement in the Internet Banks

An overview of the card payments is always available to you in the menu item Transactions → Statement → Select merchant account → View statement.
Please make sure that the user has permission to view the merchant account.

Contents of the merchant account statement
Date of processing Date of transaction
Cash register Each terminal has a unique number (Terminal ID) at the point of sale
Date of receipt The date of receipt of the transaction by the bank, i.e. the banking day following the transaction
Number of transactions Number of card transactions for the period at the terminal by date
Service fee amount Service fee for the card transactions
Amount of transactions Amount of card transactions


Regular statements

In addition to the Internet Bank statement, you have the opportunity to order regular statements:

  • Grouped transaction report (based on points of sale or card groups);
    with a period of a day, a week, or a month; format – txt, pdf, or xml.
    A grouped transaction report can be ordered for one period in one format.
  • Detailed report (transaction-based);
    with a period of a day, a week, or a month; format – txt, pdf, csv, or xml.
    A detailed report can be ordered for one period in up to two different formats.

You can order a statement to one of the selected channels:

  • E-mail
    The report is also published in the Internet Bank and Baltic Gateway
  • Internet Bank
    The report is also published in Baltic Gateway
  • Baltic Gateway
    The report is also published in the Internet Bank

Regular statements are created in the Internet Bank menu item Transactions → Statement → Completed statements → Select merchant account and period → Inquiry

More information about Baltic Gateway’s POS APIs and examples can be found in the SEB developer portal.

To order a regular statement, please send an e-mail from the Internet Bank for Business.

Examples of statements:

Technical specifications of the statements:

Explanation of card groups in the statements
SEB EE MC DEBIT SEB Eesti Mastercardi debit card
SEB EE MC CREDIT SEB Eesti Mastercardi credit card
SEB EE MC BUSINESS SEB Eesti Mastercardi business client card
SEB EE VISA DEBIT SEB Eesti Visa debit card
SEB EE VISA CREDIT SEB Eesti Visa credit card
SEB EE VISA BUSINESS SEB Eesti Visa ärikliendi kaart
EEA MC DEBIT Mastercard debit card in the European Economic Area
EEA MC CREDIT Mastercard credit card in the European Economic Area
EEA MC BUSINESS Mastercard business client card in the European Economic Area
EEA VISA DEBIT Visa debit card in the European Economic Area
EEA VISA CREDIT Visa credit card in the European Economic Area
EEA VISA BUSINESS Visa business client card in the European Economic Area
NON EEA MC DEBIT Mastercard debit card from banks outside the European Economic Area
NON EEA MC CREDIT Mastercard credit card from banks outside the European Economic Area
NON EEA MC BUSINESS Mastercard business client card from banks outside the European Economic Area
NON EEA VISA DEBIT Visa debit card from banks outside the European Economic Area
NON EEA VISA CREDIT Visa credit card from banks outside the European Economic Area
NON EEA VISA BUSINESS Visa business client card from banks outside the European Economic Area

 

Instructions for using POS-terminals

Instructions for use can be found on the website of our partner

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

Contact

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