• It takes place through the most common types of cards Visa, Mastercard
• Thanks to 3DSecure security and transaction speed, your credibility with your clients increases and, consequently, your transaction volume grows
• Reduces the number of fraudulent transactions or the number of unclaimed shipments
• You can transact 24/7
• Funds from customers are credited to your account faster than cash on delivery
• Easy implementation into your online shop

The WebCard service is operated via a web interface with JAVA, PHP or NET support. Acceptance of all types of Mastercard International and Visa International payment cards is implemented with the support of 3D Secure protection, in the case of Mastercard Internnational payment cards through Mastercard SecureCode security features, in the case of Visa International payment cards through Verified by Visa security features.

• A secure and fast payment method for cardholders , leading to an increase in the volume of transactions made through the client's website
• Easy implementation into an existing web interface
• Transactions can be carried out 24/7
• Reduction of the risk of non-acceptance of already paid goods
• Reduction of the risk of fraudulent transactions
• The possibility of accepting the most common payment cards: Mastercard, Visa
• Minimizing time-consuming registration of payments

This is the highest possible protection of the shopper's payment card data, without the client themselves coming into contact with this data. All the shopper's payment card data is directly routed to the Bank

The main advantage for the merchant is the reduction of the risk of possible payment claims. The WebCard service from UniCredit Bank , supports 3D Secure. The card issuer loses the right to claim in case of damage from misuse of the payment card , in the case of transactions made through 3D Secure. Any damage is not borne by the customer but by the issuing bank. If the transactions were not carried out via 3D Secure, the merchant shall bear any claims.

The WebCard service allows you to accept payment cards through 3D Secure protection:

• Mastercard
• Visa

* if the issuing bank allows WebCard transactions via these payment cards

Based on the regulation of the European Union, which is effective from 9.12.2015, the bank is obliged to present the fee structure in the format of the Intechange fee (IF) ++

 IF - fee to the payment card issuer

 + - scheme costs

 + - bank 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

IF - fee to the card issuer

Based on the regulation of the European Union, which is effective from 9.12.2015, the bank is obliged to present the fee structure in the format Intechange fee (IF) ++

 IF - fee to the card issuer

+ - scheme costs

+ - bank costs + margin

Mastercard

Mastercard distinguishes 3 regions within Europe . Depending on the region where the payment card is issued and how the card is accepted, the appropriate interchange fee will be applied

Mastercard zoznam regiónov :

Mastercard EEA subregion
If the payment will be made with a payment card from the same region , the issuing bank's fees can be found at the following link :

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

Mastercard Western subregion
If payment will be made by credit card from that region , the issuing bank's fees are listed below :

• MC – Intra-Western Interchange fee
• Maestro – Intra-Western Interchange fee

Mastercard Eastern subregion
If payment will be made by credit card from that region , the issuing bank's fees are listed below :

• MC – Intra-European Interchange fee
• Maestro – Intra-Euro. Interchange fee

Mastercard –  region outside Europe
If payment will be made by credit card from that region , the issuing bank's fees are listed below :

• MC – Interregional Interchange fee
• Maestro – Interregional Interchange fee
  

Mastercard – meal cards
Mastercard – meal cards link the picture in the attachment (Meal Voucher) with the following title

Visa
If the payment will be made with a Visa card issued within Europe , the fees of the issuing bank can be found at the following link :

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

If the payment will be made with a Visa card issued outside Europe, the fees of the issuing bank can be found at the following link

• Visa – Interregional Interchange fee

UniCredit Bank offers free sending of electronic statements .

Statements are sent on a daily/weekly/monthly basis to the client's contact email.

Statement formats :

• HTML
• XML
• CSV

Benefits:

• Control of payments and fees made
• possibility to export to the client's accounting system and automate billing
• possibility to password-protect statements based on the client's request

• Instructions for merchants accepting payments via payment cards - valid from the 1st of August 2025
• Product Terms and Conditions for accepting payment cards  - valid from 1. 8. 2025