In-store payments

Payment is made with smartphone using a card payment terminal.

Suitable payment solution for any outlet

New business customer get 50% off on payment terminal rental fees for 6 months.
Money from card transactions are transferred to the company’s account in the following morning.
Now you can also use your Android smartphone as a payment terminal.
NEW! Cash register terminal is a convenient two-in-one solution for cafés and restaurants.

Fill in an application in 5 minutes

Get personalized offer

Sign the agreement in your Internet Bank

Our card payment solutions

	Phone terminal Suitable for both mobile and fixed sales point Works on a smart device running Android software Transaction fee 0% 0.99% + €0.02 Transaction fee 0.99% + €0.02	Read more
	Smart terminal Suitable for both mobile and fixed sales point Works with an internet-connected smart device running Android or iOS software Transaction fee 1.45% Purchase fee €140 + VAT (Seller: Hansab AS)	Read more
	Stationary terminal Suitable for a fixed sales point Works with a fixed or mobile internet connection Rent 13 €/month + VAT (fixed connection) and 18 €/month + VAT (mobile connection)	Read more
	Portable terminal Suitable for both mobile and fixed sales point Works with mobile internet connection Bluetooth terminal with a fixed internet connection also available Rent 19.50 €/month + VAT (mobile connection) and 18 €/month + VAT (Bluetooth terminal)	Read more
	New! Cash register terminal Suitable for both mobile and fixed sales point, especially for a company operating in the catering industry (cafe, restaurant, etc.) Two in one device - payment terminal and cash register Rent 45.00 €/month + VAT (incl internet connection)	Read more
	Cash Register System Suitable for a fixed point of sale The technical solution will be agreed with the service provider Solution provided directly by service provider	Read more
	Self-service solution Solution available for both indoors and outdoors, e.g., parking, ticket, and snack machines Device installation and maintenance is performed by the service provider	Read more

Our card payment solutions

	Phone terminal Read more	Smart terminal Read more	Stationary terminal Read more	Portable terminal Read more	New! Cash register terminal Read more	Cash Register System Read more
Suitable for both mobile and fixed sales point
Suitable for both mobile and fixed sales point	Suitable for both mobile and fixed sales point	Suitable for a fixed sales point	Suitable for both mobile and fixed sales point	Suitable for both mobile and fixed sales point, especially for a company operating in the catering industry (cafe, restaurant, etc.)	Suitable for a fixed point of sale	Solution available for both indoors and outdoors, e.g., parking, ticket, and snack machines
Works on a smart device running Android software
Works on a smart device running Android software	Works with an internet-connected smart device running Android or iOS software	Works with a fixed or mobile internet connection	Works with mobile internet connection	Two in one device - payment terminal and cash register	The technical solution will be agreed with the service provider	Device installation and maintenance is performed by the service provider
Transaction fee 0.99% + €0.02
Transaction fee 0.99% + €0.02	Transaction fee 1.45%	Rent 13 €/month + VAT (fixed connection) and 18 €/month + VAT (mobile connection)	Bluetooth terminal with a fixed internet connection also available	Rent 45.00 €/month + VAT (incl internet connection)	Solution provided directly by service provider

	Purchase fee €140 + VAT (Seller: Hansab AS)		Rent 19.50 €/month + VAT (mobile connection) and 18 €/month + VAT (Bluetooth terminal)

	Phone terminal Read more	Smart terminal Read more	Stationary terminal Read more	Portable terminal Read more	New! Cash register terminal Read more	Cash Register System Read more	Self-service solution Read more
Suitable for both mobile and fixed sales point	Suitable for both mobile and fixed sales point	Suitable for a fixed sales point	Suitable for both mobile and fixed sales point	Suitable for both mobile and fixed sales point, especially for a company operating in the catering industry (cafe, restaurant, etc.)	Suitable for a fixed point of sale	Solution available for both indoors and outdoors, e.g., parking, ticket, and snack machines
Works on a smart device running Android software	Works with an internet-connected smart device running Android or iOS software	Works with a fixed or mobile internet connection	Works with mobile internet connection	Two in one device - payment terminal and cash register	The technical solution will be agreed with the service provider	Device installation and maintenance is performed by the service provider
Transaction fee 0.99% + €0.02	Transaction fee 1.45%	Rent 13 €/month + VAT (fixed connection) and 18 €/month + VAT (mobile connection)	Bluetooth terminal with a fixed internet connection also available	Rent 45.00 €/month + VAT (incl internet connection)	Solution provided directly by service provider
	Purchase fee €140 + VAT (Seller: Hansab AS)		Rent 19.50 €/month + VAT (mobile connection) and 18 €/month + VAT (Bluetooth terminal)

Accepting card payments in trading venues

We offer card payments solutions for most business sectors depending on their needs and point of sale specifics.
See how card payments work

Increase sales & customers' loyalty

Customers will not be limited by the amount of cash in their wallet.
Card payments are quick and convenient for you and your client.
Customers satisfied with preferred payment methods tend to come back.
Foreign tourists tend to pay by card.

Increase efficiency

Payment by card is not only popular, but also the fastest way to pay in the market.
Employees save time – more attention to the customer rather than to counting money and change.
Fast accepted payments settlement to your account.

More safety for your business

Fewer human mistakes (unintentional or intentional) means lower risk of financial losses.
Cashless payments mean less worries about cash handling and storage.
Less cash in the till means lower risk of theft, fraud or counterfeit money.

Useful information

Returning payment terminals

Payment terminals can be returned only:

via Omniva parcel machines. Delivery is paid by us;
by courier or other parcel service. Delivery costs according to the service provider’s price list.

You can track your parcel using the barcode given to the sender when parcel was processed.

See the instructions

Accept UnionPay cards

Serve more customers by accepting payment cards from UnionPay.

UnionPay is an association of bank card industry in China and the largest card payment organisation in the world in terms of the number of cards issued. Over 7 billion cards are issued in over 49 countries and regions, among which 100 million are issued outside mainland China. UnionPay cooperates with over 1,800 institutions worldwide and UnionPay cards are accepted in over 170 countries and regions, covering 51 million merchants.

From 1 January 2019, acceptance of these cards will be activated in all your POS terminals automatically – all you need to do is to prominently display the Point of Sale materials (card scheme logo stickers provided by service provider) at the entrance to the shop and by the cash register.

Accepting American Express card payments

We provide services related to American Express card transactions on the basis of a cooperation agreement with American Express.

Accepting payments with American Express cards brings a range of benefits to your business, giving you access to their loyal high spending cardholders who often actively seek out merchants accepting American.

Card programme members are attracted to the wide range of rewards, benefits and superior customer service offered by American Express branded products and include both consumer and business clients.

How to apply?

Submit a request for American Express card service. We will then contact you to agree on the terms and sign the agreement.
The agreement will be activated after the compliance check by American Express has been finalised with positive results.
Please note! The Customer Questionnaire for Legal Entities must be valid in the Internet Bank on the date of signing the agreement for accepting American Express card payments.
American Express Card Acceptance Agreement will be signed separately for each point of sale.

MIT agreement requirements

MIT agreement – Merchant Initiated Transaction (MIT) agreement between merchant and cardholder who buys merchant goods & services.

Merchants are responsible for putting in place or updating co-operation agreements with their operators or intermediary companies partners to confirm that any MIT agreement includes the following:

Name and full address of Merchant
Purpose of the agreement / payment
Type of payment (such as no show, prepayment)
Duration of the agreement
Total amount and currency of the agreement (or an estimate if the precise payment amount is not known with details on how the final amount will be calculated)
Amount and currency of the authentication
Amount and currency of the first payment
Cancellation procedure
Payment schedule and/or timing of first payment

To avoid future claims between cardholder and merchant, we suggest that the merchant also confirms all components of the MIT agreement with the cardholder via email.

Merchant at any time must present to service provider evidences about concluded MIT agreements with operators or intermediary companies.

Apply for the Payment Cards Servicing agreement within four easy steps

In order to start accepting card payments you have to:

Choose the terminal type
Apply for the agreement and we will contact you to finalize agreement preparation and conditions.
Sign agreements via Internet Bank.
After signing the agreement, the service will be activated in the systems and terminals installed/activated within 5 business days.

Requirements for the Merchants

Payment card servicing is provided for the legal entities and sole traders registered in a European Union Member State who have a current account in Swedbank.
There are prohibited Activity areas when agreement cannot be concluded.
Agreement can be signed by representative person or person having power of attorney.
Agreement will be activated if compliance check is positive.

Price list

Servicing payment cards (for merchants)

Effective as of 01.03.2025

Commission fee on the transaction amount	as agreed
phone terminal transaction	0,99% + 0,02 €
smart terminal transaction	1.45%
Fee for a technical device Minimum rental period for terminal is 3 months. If the terminal rental is terminated before the minimum rental period, the Bank shall have the right to debit the early return fee of terminal.
rent of a payment terminal in month VAT will be added to the price.
stationary terminal VAT will be added to the price.	13 €
mobile terminal VAT will be added to the price.	19,50 €
stationary, mobile terminal VAT will be added to the price.	18 €
stationary terminal with bluetooth connection VAT will be added to the price.	18 €
cash register terminal VAT will be added to the price.	45 €
installation of terminal within 2 banking days VAT will be added to the price.	84 €
installation of terminal starting from agreement signing witin 5 banking days	free of charge
replacement of card payment terminal at the client’s request VAT will be added to the price.	21 €
penalty for failure to return payment terminal on time	cost of terminal according to certificate
Fee for amendment of payment card service contract	15 €
Early return fee of terminal	equal to the sum of rental fees still payable for that moment
Smart terminal purchase fee (Seller: Hansab AS) VAT will be added to the price.	140 €

Servicing card payments in e-commerce

E-commerce payments platform
Agreement fee	free of charge
Monthly fee	free of charge
Commission fee on the transaction	as agreed
Payment initiation fee	0,45% of the purchase price, minimum 0,10 €, maximum 0,95 € per transaction
Fee for amendment of agreement	15 €

Payment initiation

Agreement fee	free of charge
Fee for payment initiation from Swedbank and from other financial institutions	0,10 € per transaction
Amendments to the agreement	15 €
Authentication fee VAT will be added to the price.	0,11 €

Reports to be ordered - Shopper Profile Report

VAT will be added to the price.

Basic	105 €
Standard	625 €
Detailed	1300 €

E-invoice

E-invoice sending service VAT will be added to the price.
subscription via bank representative	30 €
subscription via internet-bank	free of charge
amendment	12,50 €
subscription to domestic e-invoice service The fee will be calculated for each e-invoice sending registration application sent to bank, who is member in cross-usage system.	8 €
The fee for sending a e-invoice (per invoice sent) VAT will be added to the price. The monthly fee for e-invoices sent through Swedbank Gateway or the Operator Channel is calculated based on e-invoices sent during the previous month.
intra-bank invoice	0,19 €
domestic invoice	0,35 €
e-invoice credit note	free of charge
Implementation of the company’s design template in the Swedbank Internet bank VAT will be added to the price.	120 €
Agreement about reports (based on e-invoice agreement) VAT will be added to the price.
e-invoice standing order agreements report fee	9,50€/month
e-invoice standing order agreements payments report fee	9,50€/month

Payment terminal 50% off for 6 months for new business customers

This special offer for renting a payment terminal helps your company start business.

All new business customer offers

Terms and conditions

Video training

How do card transactions work?

In this video, you will find out about:

the card ecosystem and authorization flow;
possible transaction types;

How to start accepting payment cards?

In this video, you will learn about:

available card acceptance solutions;
how to obtain the terminal and how to quickly set it up;
where to get technical support.

Online card acceptance

In this video, you will get information about:

what is online card acceptance;
what are the benefits of online acceptance;
how do online payments work;
what are the requirements for online merchant;
how can the risk be minimized in online environment.

What is chargeback?

In this video, you will get to know about the chargebacks – the process, timeframe, responsibilities, and solutions to avoid them.

What is card fraud?

This will explain the key things about fraud:

what to do in case of suspected fraud;
how to minimize it.

What a merchant needs to do to be compliant?

This video will explain:

what are the main responsibilities of the merchant
how to ensure compliance with rules of the international card organizations and the bank.

What is the PCI DSS?

With this video, you will understand:

what is the Payment Card Industry Data Security Standard (PCI DSS);
how card data can be stolen;
what are the consequences of the merchant not following the PCI DSS rules;
what can a merchant do to comply with the PCI DSS.

Payment Card Industry Data Security Standards (PCI DSS)

The Payment Card Industry Security Standards Council (PCI SSC) has been established by the leading international card organizations Visa, Mastercard , Amex, Diners, Discovery, JCB. The PCI SSC has developed the PCI DSS rules and documents to regulate and lay down the card security principles and policies. PCI DSS is intended for all entities that store, process, or transmit cardholder data and/or sensitiive authentication data or could impact the security of the cardholder data environment. This includes all entities involved in payment account processing – merchants, processors, acquirers, issuers, and other service providers. These rules set the technical and operational requirements for organizations accepting or processing payment transactions.

Please see the latest version of requirements and standards here.

All merchants that store, process or transmit cardholder data and/or sensitive authentication data must be PCI DSS compliant. Some PCI DSS requirements may also apply to entities with environments that do not store, process, or transmit account data – for example, entities that outsource payment operations or management of their cardholder data environment.

Account data (card data and sensitive authentication data) elements:

	Data Elements	Storage Restrictions	Required to Render Stored Data Unreadable
Cardholder Data
	Primary Account Number (PAN)	Storage is kept to a miinimum If your organization stores PAN, it is crucial to render it unreadable.	Yes Standard requires that the PAN must be rendered unreadable
	Cardholder Name	Storage is kept to a miinimum If your organization stores PAN, it is crucial to render it unreadable.	No
	Service Code	Storage is kept to a miinimum If your organization stores PAN, it is crucial to render it unreadable.	No
	Expiration Date	Storage is kept to a miinimum If your organization stores PAN, it is crucial to render it unreadable.	No
Sensitive Authentication Data Sensitive authentication data must not be stored after authorisation, (even if encrypted)
	Full Track Data Full track data from the magnetic stripe, equivalent data on the chip, or elsewhere	Cannot be stored after authorization	Yes, data stored until authorization is complete must be protected with strong cryptography
	Card verification code The three or four-digit value printed on the front or back of a payment card	Cannot be stored after authorization	Yes, data stored until authorization is complete must be protected with strong cryptography
	PIN/PIN Block	Cannot be stored after authorization	Yes, data stored until authorization is complete must be protected with strong cryptography

How to be sure that you are compliant with PCI DSS requirements?

We inform merchants once per year via e-mail what kind of action must be taken to comply with the PCI DSS. The requirements are presented in the table below.

Merchants are categorized into 4 levels based on the annual number of card payment transactions by one card brand (i.e. Mastercard, Visa, Amex etc.). We require Level 1 - Level 3 merchants to notify us of their compliance status after the required action has been taken. Level 4 merchants must notify us of their compliance status by sending a completed Self-Assessment Questionnaire (SAQ).

Merchant level	Merchants transaction criteria	Required actions from merchants	Frequency
Level 1	Merchants with 6 million and more annual transactions in total for Mastercard or Visa	External security audit made by Qualified Security Assessor(QSA)	once per year
Level 1		Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	once per quarter
Level 2	Merchants with 1 to 6 million annual transactions in total for Mastercard or Visa	Qualified Security Assessor (QSA) or Internal Security Assessor (ISA) Level 2 merchants who choose to complete an annual self-assessment questionnaire must ensure that staff engaged in the self-assessment attend PCI SSC ISA training and pass the associated accreditation program annually in order to continue the option of self-assessment for compliance validation. Alternatively, Level 2 merchants, at their own discretion, must complete an annual onsite assessment conducted by a PCI SSC approved Qualified Security Assessor (QSA) rather than complete an annual self-assessment questionnaire.	once per year
		1. Merchants completing the SAQ A, A-EP or D are required to engage a QSA or ISA for annual compliance validation. 2. Merchants completing the SAQ B, B-IP, C-VT, C or P2PE may now self-assess without the use of a QSA or ISA for compliance validation	once per year
		Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	once per quarter
Level 3	E-commerce merchants with 20 000 to 1 million annual transactions in total for Mastercard or Visa	Completing annual Self-Assessment Questionnaire (SAQ) required	once per year
Level 3		Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	once per quarter
Level 4	All other merchants	Annual Self-Assessment Questionnaire (SAQ) at merchant’s discretion	Recommended once per quarter
Level 4	All other merchants	Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA)	Recommended once per year

Keep in mind, that you’ll need to perform:

Security audit by a certified auditor acting as Qualified Security Assessor (QSA) at the legal entities that are presented on the official PCI DSS website.
Scanning of the network by a qualified net scanning vendor acting as Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA). ASV can conduct a scanning procedure for in-store and online merchants but have no rights to perform annual audits.
Internal audit, during which questions in SAQ (Self Assessment Questionnaire) have to be answered. The questionnaire content depends on technical solution.

PCI DSS requirements and goals

The 12 requirements and goals in the table below will help you to understand what important actions must be performed to be compliant wiht PCI DSS rules.

Goals	PCI DSS Requirements
Build and maintain a secure network and system	1. Install and maintain network security controls. 2. Apply secure configurations to all system elements.
Protect cardholder data	3. Protect stored account data. 4. Protect cardholder data with strong cryptography during transmission over open, public networks.
Maintain a vulnerability managemenet program	5. Protect all systems and networks from malicious software. 6. Develop and maintain secure systems and software.
Implement strong access control measures	7. Restrict access to system elements and cardholder data by business need-to-know. 8. Identify users and authenticate access to system elements. 9. Restrict physical access to cardholder data.
Regularly monitor and test networks	10. Log and monitor all access to system elements and cardholder data. 11. Test security systems and networks regularly.
Maintain an information security policy	12. Support information security with organizational policies and programs.

For more information please visit https://www.pcisecuritystandards.org/

Please contact us by calling 613 2222 if you need a consultation or you wish to report a fraudulent situation. You can learn more about how to do your banking securely here.

Not a customer yet?

In-store payments

Suitable payment solution for any outlet

Our card payment solutions

Phone terminal

Smart terminal

Stationary terminal

Portable terminal

New!

Cash register terminal

Cash Register System

Self-service solution

Our card payment solutions

Phone terminal

Smart terminal

Stationary terminal

Portable terminal

New!Cash register terminal

Cash Register System

Self-service solution

Phone terminal

Smart terminal

Stationary terminal

Portable terminal

New!Cash register terminal

Cash Register System

Self-service solution

Accepting card payments in trading venues

Increase sales & customers' loyalty

Increase efficiency

More safety for your business

Useful information

Returning payment terminals

Accept UnionPay cards

Accepting American Express card payments

How to apply?

MIT agreement requirements

Apply for the Payment Cards Servicing agreement within four easy steps

Requirements for the Merchants

Price list

Servicing payment cards (for merchants)

Servicing card payments in e-commerce

Payment initiation

Reports to be ordered - Shopper Profile Report VAT will be added to the price.

E-invoice

Payment terminal 50% off for 6 months for new business customers

Video training

How do card transactions work?

How to start accepting payment cards?

Online card acceptance

What is chargeback?

What is card fraud?

What a merchant needs to do to be compliant?

What is the PCI DSS?

Payment Card Industry Data Security Standards (PCI DSS)

Account data (card data and sensitive authentication data) elements:

How to be sure that you are compliant with PCI DSS requirements?

Keep in mind, that you’ll need to perform:

PCI DSS requirements and goals

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Useful links

Legal information

New!
Cash register terminal

New!
Cash register terminal

Reports to be ordered - Shopper Profile Report

VAT will be added to the price.