Dear Madam/Sir

Thank you for your interest in our Card Acceptance service. To apply for a Physical (POS) or Virtual ( vPOS) Card Acceptance, please complete the form below.

We kindly ask for your patience, our
colleagues contact you soon.

Best regards:

UniCredit Bank

UniCredit Bank offers physical POS terminals capable of accepting various popular types of bank cards (such as Maestro, MasterCard, VISA) including chip cards, and several other types of plastics – for instance Hungarian Health Cards, or SZÉP Cards as well.

The contactless card acceptance service of UniCredit Bank enables your store to accept either contactless cards and other contactless payment devices, (like sticker or watch) or mobile phones via contactless cards stored in the mobile wallet application. This method of payment provides a fast and secure alternative to replace small amount cash purchases; furthermore, by now it has become the most innovative method for the payment of the consideration of goods or services for transactions of any amount.

A wide selection of different physical POS terminal types ensures the smooth operation of card processing. The quality of the service depends on the available communication network. Following all transactions processed by UniCredit Bank we are sending an electronic statement: our merchants may receive the statement on a daily, weekly, or monthly basis (available formats: HTML, CSV and XML).

When installing POS terminals of UniCredit Bank, we also provide the staff working in card processing units (shops) with training on the rules of accepting bank cards and the proper use of bank card processing terminals.

(The card acceptance service of UniCredit Bank provides high technology standards and safe solution at favorable commissions for business customers.)

In case of terminals’ failure, they are serviced by the bank on workdays within 24 hours (if necessary: with replacement of the terminal). In order to ensure smooth and professional card processing activity, UniCredit Bank provides free maintenance service – available at local tariff rates- in 24 hours which gives support in any operational questions.

Customer information

If you needed more information about this service, please contact our staff at UniCredit bank branches or call UniCredit Call Center - available 24 hours a day at local rates-at 06-40 / 50-40-50.

Contactless Card Acceptance

The contactless method of payment – developed by the two largest card schemes, MasterCard and Visa mainly for low value transactions- provides a fast and secure alternative to replace small amount cash purchases. Furthermore, by now it has become the most innovative method for the payment of the consideration of goods or services for transactions of any amount.

Owing to radio frequency identification all that is required to complete a payment with a contactless enabled device is that the holder of the contactless card holds the card in-front of the reader, having checked the amount of the purchase displayed on the cash register. After that, the payment transaction gets approved within a few seconds.

The electronic payment tool enabled for contactless may not only be a bank card, but also, for example, a sticker, a key ring, a wristwatch or even a mobile phone.

The most important benefits of the contactless acceptance for you:

• Faster service (according to MasterCard waiting time is significantly reduced by fast transactions below the soft limit*. Transaction takes maximum 5 seconds).
  
• Attracts new customers owing to the payment experience; the overall turnover may increase.
  
• The amount of cash handled by employees is reduced; it may even fully replace the turnover of small change, resulting in fewer errors when giving change.
  
• The costs and risks arising from the use of cash are reduced.
  
• The customers can find you easily in the list of MasterCard PayPass™ merchants, which is constantly being extended with stores accepting PayPass™.
  
• This ensures the acceptance of any other contactless payment tools not issued in bank card format (e.g. stickers or wristwatches) that are becoming more and more popular and are being issued by several Hungarian banks.

* Currently MasterCard PayPass™ and Maestro PayPass™ contactless acceptance are ensured on the POS devices installed by UniCredit Bank, Visa Paywave acceptance will be introduced by 1st of April, 2015.

** Soft limit is the amount which below contactless transaction can be performed without entering the PIN code.  In this case receipt should be printed only for the explicit request of the cardholder, which may result a more quicker transactional procedure. Soft limit in Hungary is 5000 HUF. Above the soft limit contactless transaction can be performed by entering the PIN code.

Through its internet based virtual bank card acceptance services UniCredit Bank provides a modern, secure, and quick method for executing online bank card payments. The role of physical POS terminals is replaced in webshops by virtual card accepting terminals that can be reached via the internet.

UniCredit Bank offers to its Partners the most wide-spread, modern and safe virtual card acceptance technology. All transaction participants can hold only the information relevant for them, which mean that data security is ensured predominantly by the separation of data. The use of the system ensures that the data related to the customer, the purchase, the product and the service can only be obtained by the merchant, while bank card data can only be obtained by UniCredit Bank. After the authorization of the transaction, the merchant is only informed of the fact whether the purchase was successful or not. It shall not receive information on the data content of the website executing the payment.

The application of the virtual POS service ensures the following advantages:

• checks automatically whether the bank card offered for acceptance is included in the black list;
  
• verifies the number and expiry of the bank card;
  
• automatically requests approval from the authorization centre of UniCredit Bank for every transaction, whereby it verifies the availability of sufficient funds on the account(s) related to the bank card offered for payment in each and every case;
  
• Automatically performs the electronic settlement (at midnight) with the financial institutions issuing the bank card; however, this requires automatic closure of the business day.
  
• Minimizes the risk of fraud related to bank cards by continuously monitoring bank cards and individual transactions.

3D Secure – The guarantee of the safe bankcard acceptance

UniCredit Bank’s Virtual POS service applies the 3D Secure safety solution, which was developed and introduced by international card companies MasterCard and Visa. 3D Secure provides maximum security and can be identified by the MasterCard Secure Code and the Verified by Visa logos.

The 3D Secure solution has several advantages for the merchant because:

• It increases customers’ confidence in web stores;
  
• It reduces the risk of online fraud;
  
• The issuing bank assumes liability for any transactions potentially queried by the Cardholder: the risk cannot be assigned to the merchant.

In order for card processing activity to work in a continuous and professional way, UniCredit Bank operates a technical call center available 24 hours at local tariff rates, providing overall support in the event of any question you may have concerning online bank card processing. (Tel: 06-40/10-17-17)

Virtual POS service information

vPOS terminal application tasks, steps of the process 

If you needed more information about this service, please contact our staff at UniCredit bank branches or call UniCredit Call Center - available 24 hours a day at local rates-at 06-40 / 50-40-50.

Strong Customer Authentication (SCA) on vPOS terminals – related documents

• Important - Changes related to card acceptance on UniCredit vPOS terminal 
• UniCredit vPOS 3DSecure Additional Data
• Developers’ Guide 
• UniCredit vPOS URL Change
  
• Mastercard ID Check logo
• Visa Secure logo
• Mastercard logo
• Maestro logo

• General terms and conditions