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Cards acquiring on POS and E-commerce

We provide a wide range of solutions regarding acceptance for payments.

 

With those services, you can collect payment for your products and services with Visa and Mastercard cards. Thus, you will offer to your customers an alternative means of payment, in a safe and comfortable manner, and building a long-term relationship with them.

 

Card payment acceptance on POS is a complete and secure payment solution that helps you improve your business activity.

You can choose between:

  • card present payment acceptance – the most popular method of payment;
  • card present payment acceptance on unattended POS – specific payment method for parking, delivery-pickup lockers;
  • card not present payment acceptance – the method is specific to only certain merchant activities (ex: travel agencies, rent a car or hotels/hostels);
  • the integration of the cash register (ECR) – if there are special requirements for the integration of our POS’s with the cash register (ECR), the bank can assist with them in this process.

Choose some of the additional functionalities best suited for your business:

Cash Back service at POS

This service allows your clients to withdraw cash from the POS, up to 150 lei/ transaction, when they pay with their Visa or MasterCard card in your store. The cash dispensed amount is automatically deducted from the cardholder's account and is credited in your company’s account at no additional fee.

Contactless acceptance

Through the new contactless technology such as Mastercard’s PayPass and Visa’s PayWave, clients can perform fast payments, for low value amounts (value established by the international organizations cards Visa or Mastercard; for example under 100 Lei in Romania) without PIN. It will be necessary to introduce the PIN code if the cumulative amount of previous consecutive contactless transactions exceeds the threshold of 150 Euro or equivalent. The contactless transactions performed at un unattended terminal located in European Economic Area for transportation ticketing or parking fees, and also those performed at a POS/terminal with contactless capability located outside European Economic Area are excepted;

Installment payment

For each payment made on a POS, clients can pay in equal monthly installments without interest, thus providing the cardholder an additional reason to shop more.

Installment payments will be integrated on POS terminals by UniCredit Bank automatically, remotely, and without any additional cost or further developments on your part.

Benefit! Marketing promotion of the partnership on the bank's dedicated website: https://www.discountry.ro and and tailor made campaigns agreed with the bank.

Important! All you have to do to receive the benefits of an Installment payment program is sign an addendum to your Payment acceptance Contract.

MC: Multi currency

You can collect in multiple currencies the value of products and services offered (ex: travel agencies, rent a car or hotels/hostels).

A mobile business, able to adapt to the reality of daily activities and its customers at any time and place, needs an efficient, accessible and mostly digital payments solution. Therefore, for your business based on mobility – couriers, cab, food delivery, mobile stands – we created a fast, comfortable and secure cards acquiring solution: UniCredit SoftPOS.

UniCredit SoftPOS application converts your Android device into a POS and thus helps you to accept cards payments wherever you are, transactions being secured to the same standards as in the case of a standard POS.

 

UniCredit SoftPOS particularity:

  • Secure mobile application installed on a device with Android operating system (starting with version 8.0) and contactless reader (NFC), that can be downloaded free of charge from Google Play;
  • UniCredit SoftPOS application will be used for contactless transactions with Visa and Mastercard logo and allows PIN entry where it is necessary;
  • Cardholders are able to receive the receipt via e-mail or scan the QR code from the merchant's app;
Installment payment

For each payment made on a softPOS, clients can pay in equal monthly installments without interest, thus providing the cardholder an additional reason to shop more.

Installment payments will be integrated on softPOS terminals by UniCredit Bank automatically, remotely, and without any additional cost or further developments on your part.

Benefit! Marketing promotion of the partnership on the bank's dedicated website: https://www.discountry.ro and and tailor made campaigns agreed with the bank.

Important! All you have to do to receive the benefits of an Installment payment program is sign an addendum to your Payment acceptance Contract.

Enjoy a solution that really suits you, whether your business already has a website you are still developing or a complex website with which you deal with large volumes.

YOU ENJOY ADVANTAGES ON A COMPETITIVE AND GROWING ONLINE MARKET:

 

SECURITY

3DS payments

VISIBILITY

in online and social network

SIMPLICITY

Plug and Play integration or shopping cart options

 

RAPIDITY

advanced transactions verification

MOBILITY

management with a mobile application 

INNOVATION

modular solution allowing rapidity in integration

 

Our modular e-Commerce solution, based on innovation, is specially created for you and your needs.

The two modules, eGenius and eGeniusWEB help you to grow your business regardless of type and its level, as you want every day.

eGenius

eGenius e-Commerce module is the solution adapted to your business, simple to integrate with the most used shopping carts and ready to support its sustainable growth.

With eGenius it is easier to enjoy many benefits as follow:    

  • API integration - or plug and play integration with the most used shopping carts.
  • Dedicated support for you and your business for fast and efficient integration;
  • Secure payments through 3DSecure;
  • The possibility to check at any time you want the transactions without making the buying process difficult;
  • An advanced, flexible and intuitive monitoring platform that can generate complex reports and provide easy integration with accounting solutions.
eGeniusWEB

eGeniusWEB e-commerce module is the ideal solution for start-ups and growing businesses. It is provided with innovative features that can help you build the foundations for a stable and sustainable growth. In addition, it has a predefined website template that allows you to customize things as you wish.

With eGeniusWEB you enjoy many benefits as follow:

  • The possibility to check at any time you want the transactions without making the buying process difficult, including from the dedicated mobile application;
  • Integrated share option on social platforms (Facebook, Twitter);
  • Integrated website, which only needs to be personalized and updated with your products without development costs, simple and fast;
  • Plug and play integration with the most used shopping carts;
  • Dedicated support for you and your business for fast and efficient integration;
  • Secure payments through 3DSecure;
  • The option of issuing electronic invoices and sending them by e-mail.
Commissions and payment acceptance rules
  • The card payment acceptance entails that the accepting Bank pays some fees to the card issuance Bank. This commission is named Interchange;
  • The acceptance bank UniCredit Bank pays in addition to the other fees to the Visa and MasterCard international card schemes;
  • The fees and rules for card payment acceptance can be found on the following websites:
    Mastercard  
    Visa
  • For additional information & fees and commissions, you can contact us at cashmanagement@unicredit.ro or through your Relationship Manager.

 

Look for the following 3D secure logos:

UniCredit Bank’s E-Commerce service accepts payments from cards embossed with the following logos: 

Installment payment

For each payment made online, clients can pay in equal monthly installments without interest, thus providing the cardholder an additional reason to shop more.

Installment payments will be integrated via e-Commerce terminals by UniCredit Bank automatically, remotely, and without any additional cost or further developments on your part.

Benefit! Marketing promotion of the partnership on the bank's dedicated website: https://www.discountry.ro and and tailor made campaigns agreed with the bank.

Important! All you have to do to receive the benefits of an Installment payment program is sign an addendum to your Payment acceptance Contract.

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