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E-commerce Payment Solutions

Maximize your opportunities to grow your e-shop!

  • World's most popular payment methods: card payments, Apple Pay, Google Pay™ and PayPal
  • Payment initiation from the major Baltic banks
  • Plugins for the most popular e-commerce platforms: Mozello, WooCommerce, OpenCart, Magento2 and PrestaShop
  • No implementation fee and no monthly fees!

Valuable expert advice for successful e-commerce here!

Fill in an application in 2 minutes Get a consultation remotely Sign the agreement in your Internet Bank

E-commerce + POS terminal = 15% discount*

Get a discount on transaction processing fees when you sign up for both services with us.

  • Already have an e-commerce payment solution? Add a POS terminal
  • Already have a POS terminal? Add an e-commerce payment solution
  • Need both? Sign a contract for both services and get 15% discount
  • The discount will be valid for the entire duration of the contract

Apply by 31 December!

* The discount applies to payment initiation and certain card groups, which will be specified once the technical solution has been selected.

Step up your e-commerce with our online payment solutions:

Card payments

Card payments

  • Ideal for selling worldwide
  • Accept payments from customers with Visa and Mastercard
  • Easy to pay for purchases, start a service subscription or set up recurring payments
  • Transaction fee (EEA cards): 1,2% + 0,10 EUR*
  • Transaction fee (non-EEA cards): 2,3% + 0,10 EUR*

* VAT applicable to the fixed part of the fee.

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Payment initation

Payment initation

  • This is the choice of 90% of shoppers in the Baltics!
  • Next-generation alternative to Bank Link
  • Payments from the largest Baltic banks with one integration
  • Transaction fee: 1,2% + 0,10 EUR*

* VAT applicable to the fixed part of the fee.

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Digital Wallets: Apple Pay, Google Pay

Digital Wallets: Apple Pay, Google Pay

  • A modern and secure payment method
  • Purchase in two clicks – faster and more convenient payments compared to other payment methods
  • Card details are stored, providing a seamless regular shopping experience
  • The applicable conditions are identical to those for accepting card payments
  • Transaction fee (EEA cards): 1,2% + 0,10 EUR*
  • Transaction fee (non-EEA cards): 2,3% + 0,10 EUR*

* VAT applicable to the fixed part of the fee.

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PayPal

PayPal

  • A popular and reliable payment system
  • The most common payment method on the US market
  • Transaction fee: 0.10 EUR + VAT*

* Plus the contractual fee between the Merchant and Paypal

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Link payments

Link payments

  • Ideal for selling online without an existing e-shop
  • Payment is requested by sending a payment link or QR code to the buyer
  • The buyer will be able to pay by card or via Internet Banking
  • Transaction fee (EEA cards and payment initiation): 1,2% + 0,10 EUR*
  • Transaction fee (non-EEA cards): 2,3% + 0,10 EUR*

* VAT applicable to the fixed part of the fee.

Read more

Allow customers to initiate instant internet banking payments from any major Baltic bank:

  • Swedbank (LV, LT, EE)
  • SEB (LV, LT, EE)
  • Citadele (LV, LT, EE)
  • Luminor (LV, LT, EE)
  • Revolut (LT)
  • Urbo bankas (LT)
  • Šiaulių bankas (LT)
  • Coop (EE)
  • LHV (EE)

See the payment initiation process with the eyes of your customers. To do that please make a payment to a charity fund.

Go here to make a payment
  • Fast and easy integration via plugins or APIs
  • Seamless payment flow
  • Reports tailored to Latvian accounting software available in EveryPay portal
  • Customizable checkout design
  • Possibility for checkouts without a website through “LinkPay” payment links

Accept payments from clients with Visa and Mastercard, as it is one of the most common payment methods worldwide. Acceptance of card payments also means greater overall trustworthiness of the site as the cardholder gets extra protection thanks to the 3-D Secure 3-D Secure is a technology developed by Mastercard and VISA which is designed to give greater safety in e-commerce for merchants and card users for payment card transactions performed over the Internet. With 3-D Secure, the card issuer authenticates the cardholder online, thus helping online retailers to drastically reduce the number of card fraud cases. technology.

Finally here! Apple Pay is a popular mobile payment system that gives customers an alternative way to pay with a card.

  • Fast and easy integration via plugins or APIs
  • Customizable checkout page design
  • Possibility to send LinkPay payment links as an alternative to immediate checkout on the website
  • Setting up standing orders
  • Possibility to save customer’s card details for future payments (tokenization)
  • Reports tailored to Latvian accounting software available in on Internet Banking site and EveryPay portal
  • Reports tailored to Latvian accounting software available in EveryPay portal
  • Multi-currency options

Digital wallets are mobile friendly payment options. It enables online shoppers to checkout within a blink of an eye.

To enable the digital wallets and perform the necessary integrations, please follow the Apple Pay instructions and Google Pay instructions on EveryPay portal.

Make sure your agreement for online payments is signed and activated.

  • Biometric (face or fingerprint) authorization
  • Self-service & technical support
  • Fast and easy integration via plugins, hosted ecommerce platforms or APIs
  • The hosted checkout technology

PayPal checkout is used by millions of consumers around the world.

  • Easy integration
  • Access to clients across the world that use PayPal

Payment link or QR code with LinkPay – ideal for selling online if you don't have your own website. No integration required. The buyer retains the usual convenient and secure payment experience.

  • Payment link
    A payment request with a link can be sent in any electronic format - invoices, email, SMS or online chat.
    You can try out a test payment link here.
  • QR code
    In addition to the payment link functionality, the QR code can also be used in printed format. All you need to do is to generate the payment link into a QR code and place it where it is easily accessible to your customers.
    You can try out the QR code here:
    LinkPay QR code

More information on how LinkPay works is available here.

  • Customizable payment fields and page design with the possibility to have merchant’s logo and layout
  • Possibility to set payment link and QR code re-usage limitations
  • Both one-time and recurring payments available

Set up your online store and make sure you’re compliant with Visa and Mastercard requirements.

Fill out the application and we will contact you within 1 business day.

Sign the agreement.

Carry out the integration and start selling!

  1. Plugins for the most popular platforms: WooCommerce, OpenCart, Magento2, PrestaShop.
  2. Integration through e-commerce cloud platforms: Mozello.
  3. Integration through standardized API.
  4. SDK tools for mobile applications.

Websites of a merchant wishing to use the service must meet the certain criteria. Check requirements for Mastercard and Visa.

Payment initiation service

Card acquiring service

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 Security Standards Council (PCI SSC) has been established by the leading international cards organizations Visa, Mastercard, Amex, Diners, Discovery, JCB. PCI SSC had been worked out as PCI DSS rules and documents to regulate and define card security principles and policies. PCI DSS is intended for all entities that store, process, or transmit cardholder data and/or sensitive 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 transaction.

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 minimum Yes Standard requires that the PAN must be rendered unreadable
Cardholder Name Storage is kept to a minimum No
Service Code Storage is kept to a minimum No
Expiration Date Storage is kept to a minimum 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 (CVV2/CVC2) 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 Personal Identification Number entered by cardholder during a transaction, and/or encrypted PIN block present within the transaction message 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 PCI DSS. 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., MC, VISA, Amex etc.). Level 1- Level 3 merchants are required to report their compliance status and Level 4 merchants are required to report filled SAQ directly to their bank.

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 by Mastercard or VISA Qualified Security Assessor(QSA) or Internal Security Assessor (ISA) Merchants completing SAQ A, A-EP or D are required to engage a QSA or ISA for annual compliance validation. Merchants completing 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 Online merchants with 20 000 to 1 million annual transactions in total by Mastercard or VISA Completing annual self-assessment (SAQ) form 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 (SAQ) at merchant 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, that is made by a certified auditor acting as Qualified Security Assessor (QSA) at the legal entities, who are presented on the PCI DSS official website.
  • Scanning of the network, that is made 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 with 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 components.
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 components and cardholder data by business need-to-know.
8. Identify users and authenticate access to system components.
9. Restrict physical access to cardholder data.
Regularly monitor and test networks 10. Log and monitor all access to system components 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/

Cardholders have the right to dispute any card transaction processed on a Mastercard or Visa card. Such disputes are resolved as chargebacks and are governed by a series of rules set forth by the international card organizations. In the chargeback process, the burden of proof lies with the merchant who is given the opportunity to provide supporting documentation to prove the legitimacy of the transaction. If the merchant is successful, the value of the transaction is credited back to their account. If the merchant is unsuccessful or does not respond in a timely fashion, they are held financially responsible for returning funds to the consumer who filed the complaint.

What are the most common Chargeback reasons?

Common reasons for chargebacks include:

  • the cardholder did not perform the transaction (frequently an indication of fraud);
  • cancelled recurring transaction;
  • goods not as described;
  • goods faulty or defective;
  • failure to respond to voucher requests.

Chargebacks may also be made for other reasons, including goods or services not having been received.

How to avoid Chargebacks?

Tips on dealing with chargebacks:

  • In order to prevent undelivered product claims it is highly recommended to use a delivery service that offers delivery confirmation.
  • In order to prevent broken merchandise claims during shipping, always purchase shipping insurance if your items are fragile. Make sure you clearly document the timeframe in which such claims will be processed.
  • There are two ways of handling claims concerning merchandise breakage not caused by shipping: have the customer contact the manufacturer directly if the item is under warranty or ask the customer to ship the item back to you. Make sure your returns policy is very clear about the timeframe and the returned merchandise authorisation process.
  • If the customer claims they never ordered the product, make sure you have clear documentation of their order.
  • Whenever possible handle communication via e-mail as that way you will have a precise record of all conversations.
  • The requirement is to have terms and conditions clearly presented on the website where the online services are provided. The Consumer Protection Regulations set out the information that must be provided to customers prior to entering into an agreement. The regulations apply to anyone who supplies goods or services under a distance contract; you cannot opt out of them.
  • The information must be provided in a clear and comprehensible manner appropriate to the means of distance communication used. The information you need to provide includes specific details of the goods or services in question, their price (including VAT and other taxes) and delivery charges, as well as the details of customers' cancellation rights. You also need to include the full contact details of your business.
  • If the goods or services ordered by the customer are likely to be unavailable, you must inform them if you wish to provide substitute goods or services of equivalent quality and price.

Merchants face various risks when accepting card transactions. This information has been put together to help you understand the types of risk you face and the steps to take in order to reduce the risk of loss. One of the greatest risks to merchants is that of fraudulent transactions. If you are not careful, fraud could cost your business dearly. Some types of merchants - depending on the type of goods sold - are more vulnerable to fraudulent transactions than others. Merchants should be aware that they may be targeted.
It is essential to understand the term "authorisation" - what it does and does not mean.

What does “authorization” mean?

What authorisation does mean:

  • The account number is valid
  • The card has not been reported as lost or stolen (although it may still be lost, stolen or compromised, i.e. the card details may have been unduly obtained or copied) and the card owner may be unaware of this)
  • There are sufficient funds available to cover the transaction

What “authorization” does not mean?

What authorisation does not mean:

  • Authorisation does not confirm that the person providing the card number is the legitimate cardholder - the risk remains that the person providing the number has either stolen or unduly obtained the card
  • There is also a risk of the purchaser having unduly obtained the card number without being in possession of the card

Although it is important to obtain authorisation for each transaction, this alone does not protect you against the risk of fraud or chargeback. These risks remain even if authorisation has been obtained.

What products are sold by e-shops that are subject to the risk of fraud the most?

Due to their high value and suitability for resale, the following types of goods are frequently targeted by fraudsters:

  • Electronics
  • Household appliances
  • Jewellery
  • Computers
  • Furniture
  • Goods easily sold for cash

If you trade in any of these goods, be extremely careful before handing over/shipping items. Make sure you take all possible steps to confirm that the purchaser is the actual cardholder.

Examples of transactions that warrant extra precaution

The following are indications of potentially suspicious transactions. Often it is the existence of more than one indication that suggests a potentially fraudulent activity.

  1. First-time shopper - Criminals are always looking for new merchants to steal from
  2. Larger-than-normal orders - Because stolen cards and account numbers have use only for a limited time period, criminals need to maximise their purchases
  3. Orders that include several varieties of the same item - Having more than one of the same item increases the criminal's profits
  4. "Urgent" or "overnight" shipping - Criminals want their fraudulently obtained items as soon as possible for quick resale and are not concerned about extra delivery charges
  5. Shipping outside of the merchant's country - There are times when items purchased in fraudulent transactions are shipped to criminals outside of the home country
  6. Inconsistencies - Information in order details such as a mismatch in the billing and shipping addresses, telephone area codes with corresponding near post office codes, e-mail addresses that do not look legitimate and irregular times of day when orders are placed.
  7. Multiple transactions on one card during a short period of time - This could be an attempt to 'run a card' until the account is closed
  8. Shipping to a single address via transactions on multiple cards - This could involve an account number generated using special software or even a batch of stolen cards
  9. Multiple transactions on one card or a similar card with a single billing address, but multiple shipping addresses - This could represent an organised activity, rather than one individual at work
  10. For online transactions, multiple cards used from a single IP (Internet Protocol) address - More than one or two cards could indicate a fraudulent scheme
  11. Orders from Internet addresses that make use of free e-mail services - These e-mail services involve no billing relationships and often neither an audit trail nor verification that a legitimate cardholder has opened the account

How to minimize the possibility of fraudulent purchases and chargebacks in e-shops?

Merchants can minimise the possibility of fraudulent purchases and chargebacks from online transactions by taking certain precautions:

  • request the name of the cardholder's bank - fraudsters who have unduly obtained account details will not have this information. If the purchaser hesitates in giving the name of their bank, caution should be exercised;
  • request the purchaser to provide a faxed copy of their driver's licence;
  • the risk of goods not being received should be evaluated if goods are forwarded to a post office box;
  • obtain a signed receipt from the cardholder when the goods are delivered;
  • in the case of orders for a large number of different goods, telephone the cardholder after the order is placed to confirm the order. Also, have the purchaser read back all details of the order. Frequently, where an order is fraudulent, the purchaser is unable to confirm these details, as they were ordering at random, with no record of what they ordered;
  • be suspicious in cases where multiple cards are used for a single purchase;
  • do not continue to attempt authorisation after receiving a decline;
  • exercise extra caution in relation to overseas orders - large orders should in all cases be held back for shipping until the enquiries above are made into the legitimacy of the purchaser. Merchants should not ship goods until satisfied that the purchase is legitimate.

By using the 3-D Secure authentication services, the merchant obtains chargeback protection (i.e. fraud liability shift) on a transaction in most events where a chargeback would normally be received on the basis of a claim that the customer did not actually participate in the transaction. These services provide customers, retailers and banks with greater security in online card payments.

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.

The IT resources necessary for implementing online payments can be outsourced. Below you will find information about IT companies offering such a service.

SIA Mozello
support@mozello.com
26606765
mozello.lv

A ready-made online store platform provided by an internationally recognized Latvian company. Integrated marketing and CEO solutions, as well as payment systems.

SIA IDT MEDIA
info@magebit.com
27482923
magebit.com

External system integrations for various platforms: Magento, WooCommerce and other. A wide range of services for e-commerce solutions.

Caballero | Digital agency (SIA Selected agency)
info@caballero.lv
25377773, 20400222
www.caballero.lv

External system integrations for various platforms: Woocommerce for tailor-made e-commerce solutions and systems. Custom-design online shop development, as well as friendly e-commerce solutions for small and medium-sized enterprises.

SIA Senet
info@senet.lv
26361815
senet.lv
SIA Wonderland Media
aigars@scandiweb.com
28346764
scandiweb.com

External system integrations for various platforms: Magento, Woocommerce, BigCommerce and other.

SIA iConcept
matiss@iconcept.lv, klavs@iconcept.lv
22300307 (Matīss), 26466176 (Klāvs)
iconcept.lv

External system integrations for various platforms:Woocommerce, Prestashop, Magento, Opencart.

SIA Datateks
info@datateks.lv
67299532
siadatateks.lv
SIA Webdev
info@webdev.lv
24400020
www.webdev.lv

External system integrations for various platforms: OpenCart, NomasVeikals, Woocommerce.

Additional information: Online shop development and rent. Automatic integration of wholesaler products. Ready-made, rent-based and custom-made solutions for any industry.

These companies are listed as examples of such service providers and are not affiliated with Swedbank. The given list of IT companies is not in the order of priority and is not exhaustive. You are free to engage other IT companies providing the necessary services.

From the possibility to use the terminal on your phone to integrated solutions tailored to your business needs.

Extra funds for the company's day-to-day purchases and unexpected payments.

Tips for successful e-commerce

All the latest information with opinions and advice from experts and our customers in one place.

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Choose the most cost-efficient courier services and make shipments to any country in the world. Exclusively for Swedbank customers – 35 EUR discount!

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