online store
on the go
cash desk
- The POS terminal can be requested to your account in EUR or USD
- Download from a ready-made and free solution, integrated with some of the most commonly used e-commerce platforms
- Our tips and guidelines for merchants when working with a virtual POS terminal
- Secure Payments via Internet Instructions for Virtual Merchants
Virtual POS
Online
Choose the most suitable one for you and your business! Follow success!
Where will you use the POS terminal?
Virtual POS
For easy online trading from ProCredit Bank
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Stimulate your sales
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Turn visits to your website into purchases
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Reduce the amount of abandoned orders
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Provide your customers with a reliable instant payment method
Because payments shouldn't have working hours.
- Highest transaction protection
- Easy setup and constant support throughout the process
- Ability to use ready-made and free plugin solutions integrated with WordPress, Magento and OpenCart
- Apple Pay and Google Pay integration offered free of charge with the virtual POS
- Ability to track each payment in real time
- Excellent customer experience
- Suitable for any online business
- Funds are in your account the next morning
Transparent pricing conditions
Average monthly POS turnover up to EUR 2 500 incl.
- 0.75% - Transactions with cards of individuals issued in the EEA
- 1.80% - Transactions with cards of legal entities issued in the EEA
- 1.95% - Transactions with cards of individuals/legal entities issued outside the EEA
Average monthly POS turnover above EUR 2 500
- 0.65% - Transactions with cards of individuals issued in the EEA
- 1.60% - Transactions with cards of legal entities issued in the EEA
- 1.85% - Transactions with cards of individuals/legal entities issued outside the EEA
Average monthly POS turnover above EUR 15 000
- 0.55% - Transactions with cards of individuals issued in the EEA
- 1.50% - Transactions with cards of legal entities issued in the EEA
- 1.65% - Transactions with cards of individuals/legal entities issued outside the EEA
Card scheme Interchange fees:
Visa - https://www.visaeurope.com/about-us/interchange/fees-and-interchange
Mastercard: https://www.mastercard.com/europe/en/regulatory/european-interchange.html
Frequently Asked Questions
The POS terminal agreement can be signed either in person at a ProCredit Bank branch or remotely using an electronic signature through Evrotrust. If you are not yet using the Evrotrust application, you can find more information here.
The average monthly POS turnover is calculated by dividing the total monthly turnover generated through all POS devices of the respective Merchant, including physical, virtual or software POS terminals, by the number of terminal devices.
The average monthly turnover is calculated based on the last completed 12 reporting periods, with each reporting period measured from the 26th day of the previous month up to and including the 25th day of the following month.
Example:
If a Merchant has 2 POS devices- one virtual POS terminal and one stationary POS terminal, and the total turnover generated through both POS devices for the last 12 completed reporting periods amounts to EUR 24,000, the average monthly POS turnover is calculated as follows:
First, the total turnover is divided by 12 months:
EUR 24 000 / 12 months = EUR 2 000
Then, the average monthly turnover is divided by the number of POS devices:
EUR 2 000 / 2 POSs = EUR 1 000
Therefore, the average monthly turnover per POS terminal is EUR 1,000.
For a received payment of EUR 5 , if the commission for the transaction is 0.55 %, the service fee will be EUR 0.03.
Monthly POS terminal cost: With an average monthly turnover of EUR 2 500 and a share of card payments by individuals at 85%, your maximum monthly cost will be under EUR 21.
*The average monthly POS turnover is calculated by dividing the total monthly turnover generated through all POS devices, including physical, virtual or software POS terminals, of the respective MERCHANT by the number of terminal devices. The average monthly turnover is calculated for the last completed 12 months, with each monthly period measured from the 26th day of the previous month through the 25th day of the following month, inclusive.
The terminal can be installed on any website, regardless of the development platform used.
This functionality enables online merchants to offer their customers a more convenient and intuitive payment method, without the need to enter card details or additional 3D secure passwords for confirmation. The service provides maximum payment security and increases the merchant’s conversion rate of successfully completed purchases.
The payment process consists of only two steps:
1. Selecting the Apple Pay/Google Pay option.
2. Confirming with a biometric method (Face ID/fingerprint) or the device password.