Card Solutions
For business clients, our bank provides safe and technologically advanced bankcard acceptance services, including the traditional physical and the latest internet based, so called virtual bank card acceptance services. Through these services it is possible to reduce the cost of cash handling, to improve the security level of your cash and to provide a comfortable method of payment to your customers. In addition, those paying by bank cards usually spend more, thus bank card acceptance may increase your revenues as well.
Alipay from Unicredit
Alipay is one of China's most popular mobile payment applications,
which is now available in our country.
Alipay is the world's largest online and mobile payment platform operated by Ant Financial Services Group, a subsidiary of the Chinese giant Alibaba Group.
The users of the Alipay application are the owners of an account with a Chinese bank. Thanks to the agreement with Unicredit, the use of Alipay as a payment method will already be available in Hungary, offering new business opportunities and innovative ways of payment to customers and companies.
Why is it worth to use this service?
Alipay is a secure cash-free payment method that offers an innovative purchase experience over language and cultural constraints. Accepting partners as acceptance sites are included in the application, so the list of traders offering Alipay acceptance is available to all visiting Chinese tourists with Alipay.
Why UniCredit chose Alipay?
The introduction of Alipay services in Hungary is an excellent opportunity to utilize the rapidly growing number of Chinese tourists visiting the country.
According to the Hungarian Tourism Agency, 178 000 Chinese guests visited Budapest in 2017, making China one of the top ten countries from which most tourists come to the Hungary, in 2018 nearly 200 000 guests spent 330 0000 nights in the Hungarian capital in 2018, which will further increase in 2019 and beyond according to the expectations. The dynamically evolving tendency of this purchase power and far the most wanted innovative payment method makes the merchants providing Alipay acceptance as well attractive.
How can you accept Alipay?
- The merchant enters the purchase amount into the POS terminal.
- After the transaction is started, a QR code is displayed on the terminal.
- The buyer on his smartphone opens the Alipay application and reads the QR code that appears, and then validates the transaction with his secret ID or fingerprint.
- The transaction will then be completed and notified to both the POS terminal and the buyer via the application.
How can you get the service?
Alipay acceptance is available to our existing card acceptance partners as well as to our new customers as part of our bankcard acceptance service. Our employees are kindly help you in our branches, where you can initiate the contract process by completing the document required for the application of the service.

Smart Data – Integrated bankcard data-feed
UniCredit Hungary was the first on the Hungarian market to offer value-added solution to the Mastercard Smart Data Platform.
What is Smart Data?
MasterCard Smart Data is a market-leader global MIS solution for commercial payment systems, allowing your company to gather information on a daily basis on the person having used the Mastercard corporate bankcard along with information on the time, the location and the purpose of use. The platform is built on the unique MasterCard Global Data Repository (GDR) to capture and package commercial card data with feeds from the issuing financial institutions, processors, acquirers and merchants. Data is transmitted via direct File Delivery feeds that integrate seamlessly with dozens of internal or third-party expense management and accounting systems.
How does the service work?
When you or your employees use a Mastercard payment tool, robust data on the purchase is captured and automatically combined with detailed information to be transferred automatically to the selected ERP system supported by the Smart Data Platform.
Smart Data will enable your company to accurately integrate transaction data into any existing accounting system without the need for any change. MasterCard Smart Data consolidates card transaction data and can transmit even to the company’s expense management solution provider.
Which ERP systems are supported by the service?
MasterCard developed dozens of various interfaces for the most well-known accounting or expense management systems such as SAP, Concur, Xpenditure to ensure the transformation of the data that need to be fed into your accounting or ERP system.
What are the benefits?
Your company will have up-to-date information about card transaction details, since these are transferred to the Smart Data GDR on a daily basis.
The file structure will be in the format that your ERP system can automatically process. It will make your reconciliation and booking process easier: automatic File Delivery to your accounting system in a compatible format Manual processing becomes redundant, thus increasing efficiency and helping optimize the accounting flow Since MasterCard ensures that the file is compatible with your specific accounting system, no development on your side is required.
Who do we recommend the Smart Data service to?
- For companies using one of the supported ERP systems and aiming to automatize the accounting process of card transactions
- For companies where more than 10 commercial bankcards are granted to employees who use their cards frequently
- If cardholders often travel abroad and such business trips may involve foreign currency transactions the settlement of which requires a more efficient solution
Please contact your relationship manager for further information and list of supported ERP systems available in the service.