Payments via terminal

• We will lease you the terminal, or you may buy it.
• We provide free installation, maintenance and training for your personnel.
• We will arrange a reliable and fast connection to the bank’s authorisation centre.
• Payment is possible with all types of cards – Mastercard, Visa, American Express, Union Pay and JCB.
• We credit payments by Visa cards to your UniCredit Bank account as soon as the next day.
• You can receive an electronic statement on executed transactions in PDF, TXT, CSV or XLS format.
• Fee level depends upon card payment turnover, number of terminals installed, and average transaction value.
• Telephone service for maintenance and advisory is at your disposal 24 hours a day.

New technology
Enables execution of transactions using contactless payment cards or via mobile telephone with NFC (Near Field Communication) technology supporting the PayPass and PayWave standards.

Speed
Accelerates payment, thus reducing waiting time at cash registers.

Simplicity
Contactless payment is performed simply by passing the contactless cards or mobile telephone near to the payment terminal’s contactless sensor.

Safety
Accidental payment is avoided as contactless payment is performed by passing cards near the payment terminal at a minimal distance.

Convenience
Clients need not carry cash with them, because even small amounts up to CZK 500 can quickly be paid by card.

Card payments make life easier for you and your clients by enabling them to make purchases even if they have insufficient cash and in currencies other than the Czech crown. At the same time, we will make the financial management easier for you and your sales volume will grow.

• Cash Back – cash withdrawal of up to CZK 1,500 for customers paying over CZK 300 with a Visa card on a UniCredit Bank terminal.
• Topping up of credit for all mobile operators in the Czech Republic.
• Acceptance of your loyalty and gift cards at terminals.
• Multicurrency - card payments through a terminal in Czech crowns, US dollars and euros.
• Connection of a terminal to a cash register – simplified and accelerated payment process.
• Remote monitoring and management of terminals.
• Your company’s logo printed on every receipt from the terminal.

* You only pay a flat Internet fee.

• It is possible to pay parking fees using Mastercard, Visa and American Express cards at parking machines.
• With CardManager pay-at-the-pump petrol station machines, self-service customers purchasing fuel can pay using Visa cards.
• You no longer need to employ an attendant.

Based on an EU regulation which became effective on 9. 12. 2015, the Bank is obliged to offer clients a commission from the acceptance of payment cards in the Intechange fee (IF) Plus format.

IF – Fee for payment card issuer

+ - association costs

+ - bank’s costs + margin

The amount of VISA association costs for the acceptance of payment cards 0,184 %.
The amount of Mastercard association costs for the acceptance of payment cards 0,319 %.

Based on an EU regulation, European banks are obliged to offer commissions in the IF format (Fee for card issuer) plus (Cost of card association) plus (internal fee and bank margin). For information on the amount of particular IF, please read below:

MasterCard
MasterCard is split into 3 regions in Europe. According to the region where the payment card is issued and the method of payment card acceptance, the relevant fee for issuer will be used.

MasterCard – list of regions

MasterCard EEA subregion
Relevant IF for card transactions from this region can be found through the link below:

https://www.mastercard.us/en-us/about-mastercard/what-we-do/interchange.html

MasterCard Western subregion
Relevant IF for card transactions from this region can be found through the link below:

MC – Intra-Western Interchange fee

Maestro – Intra-West. Interchange fee

MasterCard Eastern subregion
Relevant IF for card transactions from this region (in this case the Intra-European Interchange fee) can be found below:

MC – Intra-European Interchange fee

Maestro – Intra-Euro. Interchange fee

MasterCard – region outside Europe
If the card is issued outside Europe, the relevant IF for card transactions from this region can be found below:

MC – Interregional Interchange fee

Maestro – Interregional Interchange fee

MasterCard - Meal vouchers
If the card is issued outside Europe, the relevant IF for card transactions from this region can be found below:

MC – Meal vouchers

VISA
Relevant IF for card transactions from Europe region can be found through the link below:

https://www.visaeurope.com/about-us/interchange/fees-and-interchange

Relevant IF for card transactions from region outside Europe can be found below:

VISA – Interregional Interchange fee

UniCredit Bank offers formats for electronic statements of transactions executed using payment cards. These statements are sent to your designated email address free of charge.

A description of the structure and format of electronic statements can be found here:

• Standard universal statement

This specification contains very important information regarding encryption and passwords for opening statements as well as other important information, so please review the document carefully.

The selected format of listings or their combination, which will best suit your needs, should be reported to your bank advisor or in writing at the adress acquiring@unicreditgroup.cz.

• Questionnaire for Business Partners (PDF)
• Product Terms and Conditions for accepting payment cards - valid from 1.10.2022 (PDF)
• Instructions for merchants accepting payments via payment cards - valid from 1.10.2022 (PDF)