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Acceptance of cards at the sale points equipped by the Bank with 3D Secure Card Acceptance at Virtual Sale/Cashing Points Solution (web site)

Reasons for which you need card acceptance services:
- the current payment preferences of the customers rapidly change in favor of payments by bank card;
- because payment by card is comfortable and any customer wants to use the credit facilities attached to cards;
- if you do not accept card for payment, you limit your selling opportunities and you prohibit to your clients the option to buy more from your shop;
- it is statistically known that the person paying by card buys products of higher amounts because he/she is no longer limited by the money from the wallet, having the possibility to use his/her own money and also the credit granted by the bank;
- you can get more clients and sales of higher amount.

The Bank gives you a simple and rapid method to accept card by website, such facility offering you the following advantages:
- possibility to collect the amounts afferent to products/services traded on the website, without the conditionality of strict timetable;
- costs for opening and maintaining a virtual cash point are much lower than those involved by a traditional cash point;
- integration of your firm in the Verified by Visa and MasterCard Secure Code securing systems, being protected in this manner against frauds and unjustified refuses to payment;
- installation/maintenance of a 3D Secure accustomed solution given to you by the Bank;
- system of online authorization of the commercial operations performed, with the option to permanently verify the validity of cards used by your clients;
- maximum expedite settlement of the amounts, in the account indicated by you within Z+1 time frame since the date of submitting the commercial operations for settlement;
- specialized technical assistance of call center type, available for you 24h of 24 hours, seven days a week.

Other specifications:
- the Bank shall install/certify, strictly from operating standpoint, the 3D Secure solution, not being in any manner involved in website design or in other technical functions of the website;
- to cash the amounts, it is required opening of an account with the Bank units, with submission of the relevant documentation to this end; 
- the card acceptance for payment service via e-commerce platform shall be regulated by a special contract which will be sent to you, upon your request.

Costs:
The Bank offers accustomed taxation solutions, according to the amount of your cashing via website.

The cost shall consist of:
- percentage processing fee applied to the amount of operations by card, plus   a fixed charge for each settled operations file;
- secured 3D Secure solution installation fee;
- monthly maintenance fee for the secured 3D Secure solution
Costs may be negotiated from time to time, according to the amount of your cashing via website.

Fees and acceptance rules relating to Visa and MasterCard cards

Card acceptance for payment service implies payment of certain fees to the card issuing banks, by  CEC Bank S.A. (Accepting Bank).

Information on fees and rules relating to card acceptance for payment by retailers can be consulted on the following websites:

MasterCard: http://www.mastercard.com/ro/merchant/index.html 

Visa: http://www.visa.ro/acceptare-carduri-visa/