Terminal services

Card payments (Visa, MasterCard, Maestro, Diners Club, Discover, UnionPay, JCB and American Express) are processed via payment terminals, which are stationary or mobile electronic devices with specialized software, enabling payments with cards with chips (EMV chip & PIN), magnetic strips, or NFC modules for contactless payments.

The BLIK mobile payment system enables payments for shopping and services, payment processing via terminals and mobile transfers — all verified with 6-digit codes generated in the banking app by the PSP system, each one per bank's request.

Contactless payments with mobile devices, like smartphones and smartwatches, make for quick and convenient payments for products and services. These transactions require a specific app, like Google Pay or Apple Pay, and NFC-enabled mobile device.

Topping up your mobile phone balance can be done by adding funds to the account linked with the prepaid card via the payment terminal. It can be completed online (TopUp) by providing the phone number in the terminal, or offline (eVoucher) by using the unique code printed from the terminal.

Gift cards of the electronic variety combine gift certificates and bank cards. They are equipped with a magnetic strip which stores identification data, and they are compatible with payment terminals. A card with a specific value can be used to pay for shopping at a specific store chain (single or multiple payments, the amount equal to or exceeding the card's value, settling the difference with the use of a payment card or cash). Gift cards make for a popular and efficient way of gaining new customers.

Dynamic Currency Conversion (DCC) enables paying with the foreign card's primary currency for the products and services purchased in Poland. The conversion is calculated in real time according to the same-day exchange rate. The final total payment is visible in the payment terminal.

The Visa Direct service enables transferring money to the payment card via the terminal. The money from the payer's account is wired safely to the receiver's account-linked card in real time.

Cashback is a service that enables cash withdrawals from the shop's register while paying for products and services — all via the payment terminal. The terminals with the software providing cash withdrawals fill in the role of ATMs, letting the customers withdraw even some smaller sums of money.

Preauthorization enables putting a hold on the charged amount from the payment card before the payment is actually made. This service secures future charges for the payment receiver.

The MDE transactions (Manual Data Entry) are made without contact with the physical payment card by providing the card's details in the terminal. The transaction is processed based on the written, e-mail (Mail Order) or phone (Telephone Order) request put forward by the cardholder. The MDE transactions are usually used for making hotel reservations or for settlements after the hotel's guest leaves.

PIN Pad is a programmable device connected with the cash register, that can be used by the retail chains using either their proprietary or third-party IT solutions. PIN Pad transactions do not require a cashier's ingerence, and the information from the cash register is sent automatically, which reduces the number of errors related to manual inputs.

Cashier log-ins enable registering sales per each cashier, based on individual passwords. Logging in provides the feature of tracking sales records for each cashier, printing out their ID numbers on receipts, as well as printing out individual sales summaries at any time or at the end of the day.

Reason for payment is a feature that provides the space for including any additional alphanumerical information on the payment, like policy number or invoice details. This enables linking specific payments to customers or products. Transactions with the reason for payment included can be verified by accessing an encrypted website, where we can export the information to .xls and .pdf files.

Tips are considered to belong to points of service, shops and restaurant services. This feature enables separating a tip from the transaction as a different entity, making it possible to leave one.

Mobile payment terminals can accept payments in different locations thanks to GPRS, Wi-Fi and Bluetooth technologies, paired with long-lasting batteries. These terminals are great for a variety of applications, including restaurant, delivery and transport services.

Split payment is a service that enables dividing one transaction between different bank accounts via the payment terminal and providing additional details. Split payments are processed in the eService settlement systems.

Charity donations can be made thanks to split payments. While paying for a product or a service the consumer can transfer additional funds to an account belonging to an orgaznization chosen by the business-owner.