Payment by card has become an essential feature of successful online sales, and you can now enjoy enhanced security and reliable and fast settlement while providing this functionality, even for cross-border transactions. Offer your customers the possibility of convenient, fast and secure bank card payments in your web store or online platform.
- key information
- the contracting process
- documents
card types accepted at the virtual POS terminal provided by K&H bank card acceptance
bank cards included in the settlement scope of K&H’s bank card acceptance services:
- Mastercard and
- VISA products
the features of the virtual POS service:
- settlement in HUF, EUR and USD
- cross-border card acceptance service (Germany, Austria, Croatia and Slovakia, EUR)
- user-friendly payment page, available in several languages
- transactions are executed at a high level of security on the encrypted payment page of K&H Pénzforgalmi Szolgáltató Kft.
- an automatic process checks whether the bank card offered for payment features on any blacklist, and whether it is valid and there are sufficient funds available; all this to minimise the likelihood of card fraud
- secure online payments are guaranteed by the international card company environments Verified by Visa and MasterCard Secure Code and also by PSD2 strong customer authentication
OneClick payment
- Convenience service offered to registered customers.
- At the time of the first payment, the customer agrees in the webshop to storing his/her card details on the payment page.
- On the next purchase transaction, by selecting option of paying with a saved card, the payment is made using the data already stored. The webshop does not store card details, only an identifier.
- In the case of payments with saved card data, communication with the payment site takes place in the background, without the need to re-enter the card number.
- The transaction authentication process is the same as for a simple payment.
Starting payment with Google Pay from a webshop
- A convenient way to pay for goods and services in your webshop or Android mobile app. Your customers can pay with the same cards that they use in stores on contactless terminals.There is no need to enter the card number. The system does not redirect the customer to the payment site but, after confirmation in a Google wallet:
- In a mobile app, no additional authentication is required for the purchase.
- If payment is started from a laptop, additional authentication is performed.
Starting payment with Apple Pay from a webshop
- Cards tokenised for iPhone, iPad or Apple Watch can also be used for online payments. The online payment site of K&H Payment Services is now ready to process Apple Pay online payments.
- Payments are initiated directly from the webshop (online or in the native iOS mobile app). The system does not redirect the customer to the payment page, further simplifying and speeding up Apple Pay payments.
- Apple Pay can also be displayed on the payment page. In this case, the transaction starts as a simple payment and the card holder can choose to pay with Apple Pay on the payment page instead of entering the card details.
Cross-border card acceptance service
- For our merchants who also operate in Germany, Austria, Croatia or Slovakia, our virtual POS terminal provides a solution for single service provider transactions
- currency of settlement: euro (EUR)
- transaction types: purchase, cancellation (storno), refund, reversal
- accepted credit cards: Mastercard, Visa
For more details, please contact us at +36 1 328 9400 or send an e-mail to saleskhpos@kh.hu.
(This service is currently not available in K&H branches. Inquiries and contract requests can be made using the contact details above.)
expand your customer base and increase your business turnover by signing a VPOS bank card acceptance agreement!
Ask for a quote on our bank card acceptance services by filling in the merchant request for information form, and our salespeople will contact you within 72 hours to present our business offer!
after consulting with you, our colleague will draw up a quote tailored to your business
the accepted quote and the details of the VPOS bank card acceptance service process are formalised in a contractual agreement
if its terms are accepted by the parties, the agreement will be duly signed by both
once the parties have signed the agreement, the merchant will develop (or have developed by a development service provider) the interfacing between the K&H bank card acceptance payment platform and the merchant’s website, on the basis of the technical requirements (technical specification) provided by us
online bank card acceptance on the merchant’s website will be tested by K&H bank card acceptance.
following a successful test, online K&H bank card acceptance will go live on the merchant's website
contracting
installation
everyday use
- K&H POS24 application user manual
- Amendment form for payment card acceptance agreement
- txt file description
- reminder of legislative requirements applicable to merchants
- information on introduction of strong customer authentication
- frequently asked questions and answers
- complaint report form
- complaint handling information
- description of the xml file structure (pdf)
- description of the xml file structure (xls)
- sample xml file (short description to convert the file to xls format: download)
- sample xml file opened in xls
- xsd file to check the xml file
miscellaneous documents
Settlement of bank card transactions; bank card acceptance commission
you select the currency for the settlement of bank card transactions (HUF, EUR, or USD)
transfer (transaction settlement) is made within max. 1 (one) banking day from the receipt of the transactions, onto the payment account that you specify
non-standard fees, as defined in the relevant contract, are specified and payable for bank card payment transactions
detailed electronic statements are prepared about the transaction amounts transferred and the fees charged. The statements are available electronically, downloadable in an authenticated format (in the K&H POS24 application), or as .txt files suitable for further processing
virtual POS terminal special services and innovative solutions
In order to meet the ever-changing needs of consumers and to serve merchants as seamlessly as possible, the following special services are offered on K&H VPOS terminals:
Verified by Visa and Mastercard Secure Code
Cardholders of the card companies Visa and Mastercard register a password with their issuing banks for the purpose of identification during online purchases; this offers additional protection against the unauthorised use of bank cards. When such authentication methods are used, neither the cardholder nor the issuing bank will have the right to question the authenticity of the transaction, so that complaints would be reasonable only if the service or product ordered is not delivered; this protects the interests of both the cardholder and the merchant by preventing the unauthorised use of the card.
strong customer authentication (Strong Customer Authentication, SCA)
The Second Payment Directive (PSD2) requires the use of strong customer authentication in payments with bank cards and in electronic payment transactions; in this process, at least two factors (e.g. password, biometric fingerprint, smartphone confirmation etc.) available or known only to the person authorised to use the bank card (i.e. the cardholder) are required to authenticate the transaction.
cross-border card acceptance service
For our merchants who also operate in Germany, Austria, Croatia or Slovakia, our virtual POS terminal provides a solution for single service provider transactions.
- currency of settlement: euro (EUR)
- transaction types: purchase, cancellation (storno), refund, reversal
- accepted credit cards: Mastercard, Visa.
contact us
For more details, contact us at +36 1 328 9400 or send an e-mail to saleskhpos@kh.hu.
(This service is currently not available in K&H branches. Inquiries and contract requests can be made using the contact details above.)
why choose us?
by introducing online bank card payments:
- you will be able to increase the reach of your business as customers from all over the country and even abroad will be able to access your webshop
- bank card payment is a cheaper solution than the cash-on-delivery method
- the electronic audit trail of your payment transactions will give your finances greater transparency and enable you to better plan your company’s cash flow
- we provide 24-hour live telephone customer service to ensure a seamless acceptance process
contact us!
request an offer!
Just fill in the merchant registration form and we will contact youto present our bank card acceptance offer!
contact us