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In-store payments

Where there is a customer, there is the option to pay by card

  • Special offer! Transaction fee from 0,85% + 0,01 EUR*
  • Money in company’s account already the next morning - even on weekends and holidays!
  • American Express and UnionPay cards can also be accepted
  • Transaction fee: from 0,9% + 0,01 EUR
  • New! Cashback feature – now free of charge!

6 months without rental fee for new customers!

Fill in an application in 2 minutes Get personalized offer Sign the agreement in your Internet Bank

If you have any further questions, don’t hesitate to sign up for a video consultation at a time convenient for you.

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We’d suggest these solutions for card payments collection according to your business needs:


Stationary POS terminal

Portable POS terminal

Cash registered system

Recommended transaction amount <25 /day 25+ /day 25+ /day 50+ /day
Point of sale location mobile or fixed location fixed location mobile or fixed location fixed location
Technical requirements Smart device (iOS or Android) with Internet and Bluetooth connection Internet connection (Internet cable or SIM card) Swedbank provides a SIM card for free. Mobile internet connection Swedbank provides a SIM card for free. Individual
Read more Read more Read more Read more

Which card terminal would suit you best? Let‘s choose the right one for you together!

We are flexible in creating industry-centric solutions!

Let’s discuss your specific needs for a tailor-made solution that may serve automated kiosks, vending machines, fuel stations, ticketing machines, as well as provide solutions for carwash, donations, parking, transport management and many other businesses.

Please fill in the application below and we will get back to you shortly.

Accepting card payments in retail outlets

Accept card payments for goods or services. Our partners offer card payment solutions for most business sectors depending on their needs and point of sale specifics.
See how card payments work

  • Customers will not be limited by the amount of cash in their wallet
  • Card payments are quick and convenient for you and your clients
  • Customers who are satisfied with available payment methods tend to return
  • Also foreign tourists tend to prefer paying by card
  • Paying by card is not only popular but is also the fastest way to pay on the market
  • Employees save time – more attention to the customer rather than counting money and change
  • Receive money in your account already the next morning, including weekends and public holidays
  • Fewer 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 and counterfeit money

POS Terminal Features

Terminals with the contactless payment feature allow shoppers to pay by:

  • Contactless cards
  • Android smart devices
  • Apple smart devices
  • Smartwatches and other payment wearables

Follow instructions on the terminal – identity check via PIN code may be asked.

To also make your customers aware of the payment options you offer, put up Apple Pay and contactless contactless payment stickers at your retail outlets. That way your customers will know that contactless payments are available here.

How to accept contactless payments?

The contactless payment functionality is already available in your terminal, regardless of whether the terminal is rented from.

You will appreciate

  • Faster customer service. Thanks to contactless payments, daily purchases will be even faster and more convenient, while at the same time - as secure as purchases with PIN code entry.
  • Increased satisfaction. The contactless payment option will be appreciated by your customers, especially those who prefer easy and fast ways to pay.
  • Less terminal hardware breakdowns.

Provide your customers with a new service at your point of sale - cash withdrawal from the bank account linked to the card upon making a purchase.

Benefits to your company

  • New services help attracting new customers which boosts sales.
  • A convenient, simple and relevant extra service that will contribute to the loyalty of your customers.
  • Reduced risks associated with transporting and storing cash.

How to apply?

  • If you have an active payment card servicing agreement on card acceptance at points of sale, please contact the bank by phone on 67 444 444 or by email on
  • If you don’t have a payment card servicing agreement on card acceptance at points of sale, fill out the application, and a representative of the bank will contact you to discuss the terms of the agreement.
  • For terminals rented from Service Provider, the functionality is enabled automatically within 2 business days after signing the agreement.

Important! If you rent your terminals elsewhere or they are integrated with your cash register system, please get in touch with your service provider to find out whether your POS solution supports this functionality.

Serve more customers by accepting UnionPay payment cards

Benefits to your business

An increase in worldwide traveling trend is also evident in the Baltic countries – a constant rise of tourists from Asia has been notable in recent years. Unlike travellers from European countries, Asian tourists (especially from China) are tend to have different payment cards with the UnionPay brand.

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.

How to accept UnionPay cards?

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 at the entrance to the shop and by the cash register. Customers with UnionPay cards are served the same way as customers with Visa and Mastercard cards. Payments done using any UnionPay card are confirmed with PIN.

Service provider provides services related to American Express card transactions on the basis of a cooperation agreement with American Express.

Accepting American Express card payments 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 Express.

The 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 private and business clients.

How to apply?

  • Submit an application 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 is finalised with positive result.
  • NB! The Legal Person Questionnaire for the company data needs to be renewed in the internet bank on the date of signing the American Express Card Acceptance Agreement.
  • American Express Card Acceptance Agreement will be signed separately for each point of sale.

documentTerms of American Express card acceptance

  1. Choose the terminal type
  2. Fill out the application and we will contact you to agree on the terms of the agreement.
  3. Sign agreements via Swedbank Internet Banking.
  4. After signing the agreement, the service will be activated in the systems and terminals installed/activated within 5 business days.
  • Payment card servicing is provided for the legal entities and sole traders registered in a European Union Member State who have a current account at Swedbank.
  • There are prohibited activity areas when agreement cannot be concluded. Read more
  • Agreement can be signed by the company’s representative and authorized person according to information in the Register of Enterprises and State Revenue Service.
  • Agreement will be activated if the outcome of the compliance check is positive.

If you already have an agreement signed with the service provider for card acceptance at retail outlets, then you can add additional POS terminals digitally:

  1. Select “Add new POS terminal” at the top of this page.*
  2. Specify information about your retail outlet and select the type of terminal. You can use your own POS terminal or rent one from the service provider.
  3. Confirm the agreement(s) using Smart-ID or eID.
  4. The agreement will be activated within three business days and our cooperation partner will contact you to agree on the time of installation of the terminal.
* The agreement may be signed according to right of representation registered in the Commercial Register.
Product/Service Price, EUR
Contract signing Free of charge
POS terminal installation 0,00 - 70,00 + VAT
Initial instruction of employees in the use of POS terminal Free of charge
Processing fee per card transaction Agreed on case-by-case basis
POS terminal lease Agreed on case-by-case basis
Card transaction reports Free of charge
POS terminal installation fee for terminals rented on short-term basis (up to 3 months) 70,00 + VAT
Correction of every erroneous transaction 15,00 + VAT
Amendment to the agreement upon company’s request 25,00 + VAT
Closing the service Free of charge

Effective from 01.07.2018.

What is the Smart Terminal?

The small-sized and convenient portable Smart Terminal is operated through a smart phone or tablet PC and can accept both traditional payment cards and contactless payments.
Ideal in case of small volumes or infrequent transactions, mobile or fixed retail location.

  • The merchant will own the terminal
  • No monthly rental fees charged
  • Recommended for less than 25 transactions per day
  • Accept all payment types (chip and contacless)
  • Operates with latest Android / iOS operating system for smart phones and tablets
  • Very small and light and, therefore, convenient to carry
  • Easy to start using - you will perform installation yourself
  • Paperless – receipts are sent via email or by SMS
  1. Apply and conclude the agreement
  2. Order the Smart Terminal from Hansab and have it delivered to your address
  3. Receive the Smart Terminal and read its User Manual:
  4. Download the Swedbank app and Smart Terminal app
  5. Install and activate the terminal on your device
  6. Start accepting card payments

Swedbank app

AppStore GooglePlay

Swedbank Smart Terminal app

AppStore GooglePlay

What is the Stationary POS Terminal?

  • Intended for small and medium-sized businesses.
  • Mostly suitable for fixed retail locations
  • Recommended for more than 25 transactions per day
  • Power supply and Internet access are required (can be either broadband or mobile internet)
  • Can be connected to the Cash Register System – increases speed of payment and eliminates the need for manual input which reduces mistakes.
  • A monthly rental fee is charged
  1. Apply and conclude the agreement.
  2. Our partners’ technicians will install the terminal in your outlet;
  3. Start accepting card payments

Terminal user guides:

What is the Portable POS Terminal?

  • Suitable for fixed or mobile retail outlets.
  • Recommended for more than 25 transactions per day.
  • The terminal can be with the Bluetooth connection which allows moving around with terminal within short range. You can bring the terminal to your customer for payment.
  • Mobile internet access is required. Sometimes the SIM card may not be included with the POS terminal. Check with your service provider.
  • A monthly rental fee is charged.
  1. Apply and conclude the agreement.
  2. Our partners’ technicians will install the terminal in your outlet;
  3. Start accepting card payments

Terminal user guides:

What is Integrated cash register systems?

An ideal solution for companies with medium or large transaction volumes, a fixed retail location or self-service solutions.

  • Intended for medium or large businesses.
  • Suitable for fixed retail outlets.
  • Recommended for more than 50 transactions per day.
  • Increased speed of payment and reduced possibility of mistakes as there is no need for manual input of the payment amount.
  • Must be approved by Service Provider – check with your selected cash register system.
  • Terminal integration: payment terminal and / or PIN pad is connected to the cash register system; installation and service is provided by the cash register system service provider.
  • Cash Register System solution: no terminal related fees by Service Provider. Integrated solution is provided directly by Service Provider.
  1. Contact your Cash Register System provider to check if they have an integrated solution that is approved by Acquirer and what are the necessary conditions for providing the solution.
  2. Sign card acceptance agreements via Swedbank Internet Banking.
  3. Service Provider will activate the acquiring service and will send the needed data to activate integration.
  4. The Cash Register System service provider will install the terminal in your outlet.
  5. Start accepting card payments.

What is self-service kiosk terminal?

Card payment terminal to process orders and payments for parking, vending machines and other self-service businesses. Individual industry specific solutions available

  • Solutions available for both indoors and outdoors
  • Possibility to automate customer service processes
  • Device installation and maintenance is performed by the device supplier
  1. Apply for consultation about payments card servicing
  2. Choose your preferred device supplier
  3. Install the device in your outlet
  4. Start accepting card payments

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.

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. Payment security guidance must be followed by all entities (including banks, merchants, payment processors) which store, process or transmit cardholder data. 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 must be PCI DSS compliant.

Card data and sensitive authentication data elements:

Data Element Storage Permitted Render Stored Data Unreadable
Cardholder Data
Primary Account Number (PAN) Yes Yes Standard requires that the PAN must be rendered unreadable
Cardholder Name Yes No
Service Code Yes No
Expiration Date Yes 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 No Prohibited
CVV2/CVC2 The three or four-digit value printed on the front or back of a payment card No Prohibited
PIN/PIN Block Personal Identification Number entered by cardholder during a transaction, and/or encrypted PIN block present within the transaction message No Prohibited

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
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
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
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 a firewall configuration to protect cardholder data.
2. Do not use vendor-supplied defaults for system passwords and other security parameters.
Protect cardholder data 3. Protect the stored cardholder data.
4. Encrypt transmission of cardholder data across open public networks.
Maintain a vulnerability managemenet program 5. Protect all systems against malware and regularly update anti-virus software or programs.
6. Develop and maintain secure systems and applications.
Implement strong access control measures 7. Restrict access to cardholder data under business need-to-know.
8. Identify and authenticate access to system components.
9. Restrict physical access to cardholder data.
Regularly monitor and test networks 10. Track and monitor all access to network resources and cardholder data.
11. Test security systems and processes on a regular basis.
Maintain an information security policy 12. Maintain a policy that addresses information security for all personnel.

For more information please visit

Please contact us by calling 67 444 444 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.

Agreement conclusion and terminal handover

  1. Not satisfied with the price or service? Let’s talk. Book an appointment.
  2. Still want to discontinue our business relationship? If you’re renting the terminal from us, you can return it through Omniva free of charge. The agreement or the particular retail outlet in the agreement will be closed automatically within 5 business days on the average. If you need the acceptance & handover certificate about returning the terminal, please send a request to Return the terminal
  3. If you rented the terminal elsewhere, deliver it to your provider. Send us an application in free form about termination of the agreement in an Internet Banking message. Only the company’s authorized signatory may submit an application about agreement termination. Terminate the agreement
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