E-commerce Payment Solutions

Two women are discussing about creating an e-shop

Online payments for e-shops

Payment initiation through major Baltic banks
Card payments from all over the world, including Apple Pay and Google Pay™
Payment by links

NEW! Payment initiation transaction fee 0,10 € per transaction.

Multiple payment options for your business.

Easy integration through plugins, cloud platforms or APIs.

Smooth checkout front-end design for better conversions.

Step up your e-commerce with our online payment solutions

	Payment initiation Most popular among the shoppers in Baltics. Payments from multiple banks with one integration. Transaction fee: 0,45% of the purchase price, no less than 0,10 €, but no more than 0,95 € per transaction Transaction fee: 0,10 € per transaction Monthly fee: EUR 0 No activation or monthly fee	Read more
	Card payments Multipurpose online payment solution. Easy to checkout, start a subscription or pay a recurring bill. Transaction fee: depends on transaction volumes Monthly fee: EUR 0 No activation or monthly fee	Read more
	Digital Wallets: Apple Pay, Google Pay Mobile friendly. Convenient, secure and fast. Transaction fee: depends on transaction volumes Monthly fee: EUR 0 No activation or monthly fee	Read more
	PayPal Popular and reliable globally. Transaction fee: depends on transaction volumes Monthly fee: EUR 0 No activation or monthly fee	Read more
	Link payments Ideal to sell online without a website. Transaction fee: depends on transaction volumes Monthly fee: EUR 0 No activation or monthly fee	Read more

Integration options

Integration through popular platforms with discount: WooCommerce and Voog.
Plugins for the most popular platforms: Magento2, OpenCart, PrestaShop, ShopRoller, WebShopper, Mozello, Eshoprent.
Integration through standardized API (Application Programming Interface).
SDK tools for mobile applications.

Website of a merchant wishing to use the online card payments must meet the requirements of international card organisations Mastercard and Visa.

Terms and conditions

Technical support

Payment initiation service support:

Swedbank technical solution:
1. Support page
2. Email: ekaubandus@swedbank.ee
EveryPay technical solution:
1. Support page
2. Email: support@every-pay.com

Card acquiring service:

EveryPay technical solution:
1. Support page
2. Email: support@every-pay.com

1

Set up your online store.
See instructions on how to set up card payments in online here.

2

Fill out the application – we will contact you as soon as possible, not later than on the second business day from your request.

3

Sign the agreement.

4

Integrate the payment acceptance solution with your e-store and start selling.

Video tutorials

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/

Processing of customer complaints regarding card transactions

The cardholder shall have the right to contest a transaction made with the Mastercard or Visa card. Such an appeal shall be settled as chargeback in accordance with the rules established by the international card organisations.

In case of chargeback, the merchant shall provide additional documents in order to prove that the transaction took place in accordance with the requirements of the card organisations. If the merchant fails to do so or does not respond on time, the merchant shall be financially liable for the contested transaction.

The most common reasons for chargeback

The most common reasons for chargeback are:

the cardholder confirms that he or she has not made the transaction (may indicate fraud);
the service provided by a regular card payment was cancelled by the client;
the goods do not correspond to the product information provided in the e-shop;
the goods are defective;
the cardholder has not received the ordered product/service within the time period established by the e-shop terms.

Recommendations for the merchant to prevent possible chargeback

Recommendations for the merchant to prevent possible chargeback:

use the transport service, which also includes confirmation of delivery of the goods;
make sure that the goods return policy of your company has clearly established the process of returning the goods and the time period during which the cardholder may file a complaint;
always ensure that you have delivery insurance for any fragile products;
make sure that you always have the order documents in a format which can be reproduced and the cardholder’s confirmation on agreeing with the terms and conditions of the order;
if possible, contact the cardholder in writing so that you could have written material about the communication with the client.
If the goods or services ordered by the client are not available, you have to inform the client and offer the replacement product/service of the same quality and price, or cancel the card transaction at the client’s request.

The consumer protection regulations have established the requirements for information that should be communicated to the client before entering into a contract. These requirements shall be applied to all who deliver goods or provide services under a distance contract.

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.

Check out our partners' discounts

Veebikool – Online School

A free video course on creating a home page and an online store.

Free

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SmartPosti

30% discount on e-fulfillment and parcel delivery services during the first 6 months.

–30%

Parcel delivery

DHL Express

Air and Road Courier Services –70% Off until end of year.

–70%

Until 31.12.2025

Veebimajutus

E-shop solution on WooCommerce platform for 6 months free of charge.

Free

Digital service

Voog

Creating an online store and website is free of charge for the first 6 months.

Free

Digital service

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E-commerce Payment Solutions

Online payments for e-shops

Step up your e-commerce with our online payment solutions

Integration options

Technical support

1

2

3

4

Check out our partners' discounts

Veebikool – Online School

SmartPosti

DHL Express

Veebimajutus

Voog

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