Before creating an agreement on card acceptance, it is always necessary to first fill in the application form on our ČSOB website, where you must fill in the required information about the company. An agreement on the acceptance of payment cards can also be concluded at branches, even by non-ČSOB clients. An individual offer is always calculated by the sales representative.
It is a web application designed for the management of payment terminals and payment gateways enabling:
- introduction of a certificate from the state financial administration for the correct registration of sales under the merchant’s point of sale
- online overview and control of card transactions
- online overview, control report of electronically registered sales (including VAT)
- electronic archiving of receipts from the payment terminal
- electronic archiving of statements on transactions made with payment cards
Statements are used for a detailed overview of completed transactions.
In the statement you will find information about transactions that were completed in the given period.
Statements are delivered either electronically by e-mail or can be viewed in the POS Merchant application, in which they are also automatically archived.
The frequency of statements is selectable on a daily, weekly, or monthly basis.
Statements can be sent in the following formats: PDF, TXT, XML
In the POS Merchant application, you will find all generated statements that can be downloaded or sent by e-mail in PDF, TXT and XML formats. The sending of statements is free of charge.
The complete price list for payment gateways and terminals can be found at the following links:
By default, ČSOB credits amounts from card transactions for a given day (business day), terminal and divided into card associations.
Net amounts are credited to your account, i.e., the amount after the deduction of the relevant contractual fee (commission).
If you have an account with ČSOB, we credit the payments to the account the next day (D+1).
Otherwise, we will send the payments the next day (D+1), but their crediting to your account depends on your bank. The amount is most often credited a day later (D+2).
Total per establishment: means the sum of transactions per day/establishment
Total per account: means the sum of transactions per day/merchant account number/single card association
In the case of a request to change the account number, send an e-mail to ČSOB card acceptance, firstname.lastname@example.org.
You can view all the currently offered types of terminals at this link: https://platbakartou.csob.cz/en/payment-terminals/
If the standard installation time is selected, the installation is performed within 5 working days from the processing of the request (or later by agreement).
In the case of an express installation, the installation is performed within 3 working days from the processing of the request.
In the case of any doubt about the authenticity of the card or the cardholder, call the HELPDESK PK ČSOB +420 495 800 116
In the case of uncertainty (regardless of the amount of the transaction), you can ask the cardholder to present an identity card to check that the names on the payment card and the identity card match. In the event that the cardholder refuses to prove their identity, it is at your discretion whether to carry out the transaction or not. In exchange offices and casinos, it is necessary to see an identity card for each transaction!
No, the payment cannot be split into several separate amounts.
Holders of a credit or debit card issued to a natural person in the EU cannot be requested to pay a fee for payment by card. In other cases, the merchant is entitled to request a fee, but only up to the maximum amount of direct costs.
Yes, incoming payments will be credited to your current account held in EUR.
At the payment gateway, you can currently accept payments in crowns (CZK), euros (EUR), US dollars (USD), and pounds sterling (GBP). A list of other supported currencies is available on GitHub. You must take into account that for each currency it is necessary to have an appropriate bank account opened in the given currency.
The communication of the payment gateway with clients is secured by the https protocol. Communication with merchants is signed using electronic certificates, which ensure the credibility of communication. The payment gateway is thus sure that it is communicing with the merchant and at the same time the merchant receives a transaction confirmation signed by the bank. The online card transactions themselves are secured with 3D-Secure technology.
Visa and Mastercard have combined their preparation for PSD2 with the creation of a new standard for authenticating 3D Secure 2.0 online payments. Its goal is to give customers the same security (security of their cards) and merchants the same certainty (that transactions will be paid without the possibility of complaints) and at the same time reduce by 95% the number of transactions that will have to be verified, e.g., by applying the ČSOB Smart key. The motivation is clear – to improve the convenience of paying by card in e-shops and particularly to increase the conversion rate.
You can find transactions made via the payment gateway and on payment terminals after logging in to the POS Merchant system.
Log in to the POS Merchant system, locate the original transaction and make a request for a partial return of the payment. In the POS Merchant system, a manual is available in the help section, where all possible operations with transactions are described.
Yes, the condition for providing online card acceptance services is holding a current account with ČSOB. We will be happy to offer you this account on advantageous terms as part of our service packages for online merchants.
Of course. As a merchant, you don’t have to deal with anything of a technical nature, the gateway automatically adapts to the client’s device, whether it’s a phone, tablet, or computer.
Payments made by Czech cards are in most cases credited to the merchant’s account on the next working day after the payment is made at the payment gateway.
The payment gateway interface is versioned, so it is not necessary to switch to the new version immediately. However, in the long term, outdated services and functions may be taken out of service. In this case, you will be informed well in advance about the need to switch to a newer version of the payment gateway interface.
Yes, most accounting programs support the importing of statements, which can then be automatically matched.
Certainly. For each transaction, you can set whether the transaction should be sent for settlement manually or automatically at the end of the day. In the case of manual closing, funds are guaranteed (blocked) for a period of seven days, during which it is necessary to complete the payment either in the POS Merchant system or using the API payment gateway.
In most cases, the problem is the lack of authorisation for Internet transactions on the client’s card. In this case, the client must contact their bank and have online payments authorised.
Of course. It is possible to equip the outlet with a payment terminal, which we will be happy to offer you in a package with online card acceptance under advantageous conditions. You can then easily manage both online and terminal transactions in a single administrative system.
Documents for download
- Terms and conditions for accepting payment cards valid from 24.1.2022
Manual for merchants accepting payments via payment cards
List of supported mPOS devices
User manual for PAX S800
User manual for PAX S920
User manual for PAX A920Pro
User Manual for Move 3500
User manual for iCT220, iWL220, Vx520, Vx675, Vx680 with EET application
User manual for iCT220, iWL220, Vx520, Vx675, Vx680 with MBCA application
Payment card retention report
Confirmation of payment card retention