Internet payments

• Applies for the most frequently used types of cards - Visa, Mastercard and Diners Club.
• Applies for the most frequently used types of cards - Visa, Mastercard and Diners Club.
• 3D Secure technology and transaction speed increase your trustworthiness and the volume of your online business.
• Reduces the risk of fraudulent transactions or non-acceptance of goods that have already been paid for.
• Enables execution of payments 24 hours a day.
• Guarantees a much faster method of receiving payment as compared to mail order service.
• Easily implemented in your online shop.

The WebCard service operated through a JAVA, PHP or .NET-supported web interface. All types of the Mastercard International and Visa International payment cards are accepted with the support of the 3D Secure security feature through the Mastercard SecureCode security features for the Mastercard International payment cards and through the Verified by Visa security features for the Visa International payment cards. In the case of acceptance of the Diners Club International payment cards, payments are made and verified through the standard CVV2 code security.

• A safe and fast payment method for payment card holders handling an increased volume of transactions made over the internet.
• Simple implementation in your existing system.
• Possibility to execute payments 24 hours a day.
• Lower risk of non-acceptance of goods (and scheme costs) that have already been paid for.
• Reduced risk of fraudulent transactions –
• Possibility to accept the most frequently used types of payment cards – Mastercard, Visa, Diners Club International and Discover.
• Minimal time requirements for executing and recording transactions made by payment cards

This is the highest possible protection of data on the credit card of the purchaser. Details about the payment card thus are never entered into the internet retailer’s systems, thereby increasing cardholders’ confidence in the security of internet payments.

The main advantage for the merchant is the reduced risk of payment claims. In the case of UniCredit Bank E-commerce services, which support 3D Secure, the issuer of the payment card loses the right to make a claim and potential losses from card misuse are compensated not by the merchant but by the issuing bank. If the merchant were not to use the 3D Secure payment portal, on the other hand, then in the majority of cases it may itself bear the costs connected with claims.

WebCard service will allow acceptance of payment cards through 3D Secure protection:

• Mastercard, Mastercard Electronic, Maestro*
• Visa, Visa Electron^*

^* if issuing bank allows making of WebCard transactions through these payment cards

WebCard service will allow acceptance of payment cards without 3D Secure protection supported by standard CVV2 code protection:

• Diners Club International

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

+ - scheme costs

+ - bank’s costs + margin

The amount of Visa card scheme costs for the acceptance of payment cards is 0.175% + 0.01 EUR transaction fee

The amount of Mastercard card scheme costs for the acceptance of payment cards is  0.340% + 0.01 EUR transaction fee

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
+ - scheme costs
+ - bank’s costs + margin

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-Western 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:

• Mastercard – 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 a free subscription electronic statements.

Statements are sent on a daily / weekly / monthly basis via email, client contact.

Formats List:

• HTML
• XML
• CSV
  

advantages:

• Control of payments and charges
• The ability to export to accounting system and automate customer billing
• Password option statements based on client requirements