Expand the possibilities
of your business with DSK Bank
No fee for installation and no annual fee for maintenance
Option to make online payments 24/7
The commission is negotiable
Grow your online business with DSK Bank
Receive online card payments in your online store with a virtual POS terminal.
Connect your online store or e-commerce platform to our virtual POS. Integration with API is easy and fast.
Accept card payments from different countries and in several currencies - EUR, USD, GBP, RON, HUF, and PLN. The funds are deposited directly into your account.
The service is suitable for:
- online shops
- providing online services
- market places
- hotel reservations and others.
- mobile applications
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- Apply quickly and easily, entirely online 24/7;
- Automated process of filling out your application;
- Quick approval of your application;
- Track the status of your application electronically.
With the virtual POS terminal, you get:
- Secure payments with debit or credit cards and digital wallets;
- The option for your customers to save their card details for future payments in your online store;
- Possibility for integration into mobile applications;
- Ability to track payments in real time through the merchant portal. You receive the amounts quickly in your account at DSK Bank.
- Option for full or partial refund;
- Access to funds deposited into your account via business debit cards or Multicash online banking;
- Current account for your business needs;
You only pay a commission for the service, the amount of which is negotiable. The commission is a percentage of the transaction amount.
Example:
Your customer places an order worth 25 EUR. They choose to pay by card. If the agreed commission is 1.20%, the cost of the service will be 0,30 EUR.
Payments with a digital wallet:
- Your customers can pay with the two most popular digital wallets for iOS and Android, with the process being carried out via a pre-saved and/or tokenized card in the customer's mobile wallet.
- Only a PIN or Touch ID confirmation on the mobile device is required to complete the transaction.
- Transactions are carried out via the bank's payment page using an encrypted connection. As a merchant, you do not have access to sensitive cardholder data.
Integrate the virtual POS terminal in 3 steps:
1.
Request the service online. Once you have requested it, we will contact you. We will review your request and, if approved, send you a personalized offer.
2.
Integrate the virtual POS. See how in the developer portal. Our technical team is available to assist you if needed.
3.
You can now accept secure card payments, make online sales, and track their status in real time.
Developer portal
Check out the technical documentation
Other useful features:
Periodic payments
Periodic payments
Transactions carried out on the basis of a contract concluded between the cardholder and the merchant, which allows the merchant to initiate subsequent transactions without the direct involvement of the cardholder. The payment is for a specific period, occurs on a fixed date and for a specific amount, as described in the contract for the provision or use of goods/services between the merchant and the cardholder.
The service is intended for merchants who provide goods and services on a subscription basis or other businesses that require regular payments for a fixed amount. For example, insurance companies, credit institutions, subscription gyms, TV and internet providers, etc.
AVR (Account Verification Request) – this feature allows merchants to pre-verify the validity of a customer's card, reducing the risk of failed transactions and ensuring reliability for recurring payments.
Example:
Svilen is the financial director of an insurance company. He faces problems with late policy payments, which complicates monthly financial planning. The company decides to use periodic payments via virtual POS, with customers agreeing to the term of the policy. Based on the contract, the merchant performs the necessary transactions automatically, without the customer having to enter data for each payment. As a result, the percentage of unpaid policies falls by 30%, and the company ensures a stable and predictable cash flow, reducing the costs of collecting overdue receivables and facilitating Svilen's financial planning.
Unplanned transactions
Unplanned transactions
Transactions carried out on the basis of a contract between the cardholder and the merchant, which allows the merchant to initiate subsequent transactions without the direct involvement of the cardholder. The payment is for a specific period, but there is no fixed date and the amount may vary.
The service is intended for merchants who have contracts to provide a specific service, such as companies providing electricity, heat, and water supply, telecommunications services, transportation services, and all companies that want to build long-lasting and trusting relationships with their customers by providing them with an easy and non-binding way to make regular payments.
AVR (Account Verification Request) – this feature allows merchants to pre-verify the validity of a customer's card, reducing the risk of failed transactions and ensuring reliability for recurring payments.
Example:
Anton is the chief operating officer of a telecommunications company. He is tasked by senior management with optimizing losses from unpaid invoices under service contracts. He decides to use the virtual POS unplanned transaction service, which increases the percentage of invoices paid on time by 30%. In addition, this service guarantees the company a fast and reliable inflow of capital by ensuring a secure cash flow and reducing the costs of collecting overdue receivables. This helps Anton with better financial planning.
Specialized services for hotels, vehicle rental
Specialized services for hotels, vehicle rental
We offer several additional services that are suitable for hotels, guest houses, cruise lines, vehicle rental companies, etc.
Delayed charges are used to charge the cardholder additionally after the original service has been completed.
A no-show is a transaction in which the cardholder is charged for services that they agreed to purchase but did not fulfill the terms of the agreement.
Example:
Maria is a hotel manager. The hotel is very popular, and every missed reservation leads to losses and makes it difficult for Maria's team to accommodate guests. Therefore, they use a no-show transaction when guests do not show up after making a reservation to deduct a percentage of the room rate, as previously agreed by the guests. They use deferred billing for damages found after guests leave the hotel or for undeclared use of the minibar.
Integration with Viber bots
Integration with Viber bots
We offer easy integration with Viber bots to meet the different needs of your business. Since solutions are individual and specific, please contact us to discuss your ideas and offer you a solution.
Payment via link
Payment via link
The service is requested separately and allows you to generate and send a unique payment link in a secure environment on the DSK Bank server, without the need for integration with a virtual POS. The service can be used independently or as an addition to a virtual POS.
It is designed for businesses with few online orders: hotels; car rental and/or other means of transportation, travel agencies and tour operators, business-to-business (B2B) goods and services, restaurants that offer food delivery as an additional service, etc.
Example:
Peter is a lawyer specializing in computer law. He works mainly with software companies, advising them on legal issues. He promotes his services through his website. Most clients have contracts and pay by bank transfer, but Peter sometimes advises individuals as well. In the changing environment of recent years, consultations are increasingly taking place online. It is convenient for these clients to pay by card, so Peter turns to DSK Bank, with which he has been working for years. The institution offers him "payment via link" to a virtual POS as a convenient and fast means that does not require additional modifications to the website.
Authorization
Authorization
The service is requested separately and allows for the temporary blocking of a certain amount on the customer's card, according to an agreement with the merchant. Payment for the service rendered/purchase of goods is made at a later stage.
It is mainly used by hotels, travel agencies and tour operators, car rental companies and/or other means of transport, business-to-business (B2B) trade.
Example:
Dobri and Teddy are retired teachers. They decided to leave the big city and use an inherited plot of land in the Rhodope Mountains, where they built a family hotel. They welcome guests all year round, as the beautiful nature and tranquility of the mountains attract many tourists. They often use authorizations for reservations, which is convenient for both them and their guests who return periodically. Payment is made when their guests leave the hotel.
Saving the card
Saving the card
The service is requested separately and allows the customer's card details to be saved in their profile in your online store. This feature would facilitate their subsequent payments to you.
The service is intended for merchants with regular online customers who find it convenient not to enter their card details every time they shop.
Example:
Ivan loves animals and has always had a pet at home. He graduated in marketing and started working in a fast-moving consumer goods chain. The work is interesting and dynamic, but after seven years, Ivan decides to combine his love for animals and his experience in marketing and creates an online store for pet accessories and food. Soon, Ivan has regular customers who order from the store periodically, confident in the quality of the goods and fast delivery. The bank advised Ivan to give his customers the option to save their card details in their profile for subsequent payments, which would simplify the ordering process and save them time. Ivan implemented the suggested functionality and soon received positive feedback from his regular customers. Card details are stored in a secure environment within the bank's systems.
Refund
Refund
The virtual POS allows full or partial refunds via REFUND, whereby the amount is credited back to the cardholder's account. The service is used for complaints, returns of goods within the statutory period, etc.
It is intended for every merchant.
Example:
Stella's dream is to have her own boho-style fashion line. In 2018, she created her first collection of clothing and accessories, which she advertised on social media. The clothes attracted a lot of interest and sold out within a week. Since then, Stella has had many successful collections, created an online store, and now has regular customers. Since these are clothes, sometimes the size is not suitable or the garment does not fit the buyer well. Stella understands the needs of her customers, so she uses the "refund" function, whereby the amount paid is returned directly to the customer's account.
Customizing the payment page
Customizing the payment page
Each merchant has the option to customize the payment page with their corporate colors and/or logo through the merchant portal. It is also possible to generate customized reports according to the merchant's needs.
Payment with QR code
Payment with QR code
A QR code with a fixed amount is placed at the location. The customer scans it with their phone, opens a secure page, and pays with a card.
Example:
A popular band is playing a concert at a club. Instead of long queues for tickets, fans scan a QR code at the entrance, pay online, and enter directly by showing their payment confirmation. It's faster, more convenient, and more secure—both for them and for the organizers.
Exported buttons for payment with digital wallets
Exported buttons for payment with digital wallets
The payment buttons make shopping as easy and fast as possible. The customer sees the product and, instead of going through a shopping cart and address forms, simply clicks "Pay with Apple Pay" or "Pay with Google Pay" — the transaction is completed with a single tap. The service is suitable for spontaneous purchases, and the data and delivery address are automatically filled in from the wallet registration.
Example:
While browsing an online accessories store, Maria noticed a leather bag—only one available—that perfectly matched the new clothes she had bought for a special dinner at the end of the week. Without hesitation, she selected "Pay with Apple Pay" and the bag was purchased immediately with a single tap on the screen.
Automatic card data update (ABU/VAU)
Automatic card data update (ABU/VAU)
The service allows merchants to make regular payments even when the customer's card has expired, without the customer's intervention. It is suitable for both subscription services and online stores with regular customers.
Example:
Reni owns an online subscription box store. With the automatic card data renewal service, all payments are made without interruption—customers receive their products on time, and she ensures a stable cash flow and easy financial planning.
Frequently asked questions:
A virtual POS terminal is a payment page that integrates with your online store and allows customers to pay with bank cards or digital wallets directly through your website or mobile app.
Virtual POS makes the payment process fast, easy, and secure. It improves the user experience, reduces the number of abandoned carts, increases completed orders, and boosts confidence in your online store. Your customers can save their card details in a secure environment for subsequent payments in your online store, and refunds can be made with a single click, with the amount refunded to the card used for payment. You can manage subscription payments for your services or send payment links.
The virtual POS of DSK Bank can be integrated with most websites and online stores. We offer ready-to-install modules for the most popular platforms. When using a customized solution, the necessary technical documentation is publicly available through the developer portal. Our team will assist you with integration and testing.
Yes, the virtual POS supports an interface in 20 languages and accepts payments in several currencies: EUR, USD, GBP, RON, HUF, and PLN. You must also have a payment account in the relevant currency.
Since the integration is performed by your team or technical partner, the time depends on your response and readiness. When using a ready-made module, the process can take just a few clicks. Full activation usually takes a few days, but can also be completed within a day.
You will have access to a merchant portal where you can monitor transactions in real time and generate reports and summaries by period. In addition, you can monitor transactions in your bank account statements and subscribe to reports via DSK Direct for business customers.
Refunds are processed through the merchant portal. You can refund the entire amount or part of it with just one click.
No, there is no maintenance fee and no minimum monthly turnover requirement. You only pay when a transaction is successfully completed.
The contracts are open-ended, unless a specific term has been agreed between the parties. Termination shall be effected by giving notice in accordance with the terms of the contract and the General Terms and Conditions.
You need to sign a service agreement and have a payment account with DSK Bank. Our consultants will assist you with all the necessary information. For specific activities, additional documents may be required, such as permits, licenses, etc.
The main advantage is that card details are not entered, which significantly increases the security of online payments. This gives customers peace of mind that access to card details is restricted, greatly enhancing payment security. In addition, it saves time on entering card details for each purchase, minimizes the possibility of input errors, and reduces the percentage of uncompleted transactions by the customer. Furthermore, no additional 3DS identification via mobile token or SMS dynamic PIN is required.
Apple uses tokenization as a technology. The card details are transmitted via the device, which connects directly to the issuing bank and, upon confirmation, receives a token unique to the device and card, called a device account number (DAN), which is stored on a secure chip on the device. The DAN is structurally similar to a card number and is transmitted to the merchant when a payment is made, before it is approved by the issuing bank. This way, the merchant again has no access to the actual card details. Apple does not store card details on its servers or devices, nor does it track its users' transactions.
The user's card details are provided only once, during the initial registration. Google acts as an intermediary and stores the card details on its servers. A virtual card is then issued to the specific device - Google Pay Virtual Card. When making a payment, the device only transmits the information for this virtual card. This way, the provider does not have access to the data on the actual card, which is protected on Google's servers.
Transactions are carried out via the bank's payment page, and the connection is made via an encrypted channel. This means that the merchant does not have access to sensitive data such as card numbers and additional cardholder identifiers.
The bank guarantees exceptional security in card payment services through the Mastercard Identity Check and Visa Secure protection schemes and is your partner in conducting secure e-business, strictly complying with the regulatory requirements of international card organizations and assisting in following the legal requirements in accordance with the regulatory and legal framework in the country and the EU.
DSK Bank holds a PCI DSS (Payment Card Industry Security Standards Council) certificate, which is a global standard for the security and safety of card transactions and online payments. It includes requirements in six main areas: building and maintaining a secure network, protecting against data theft, developing and maintaining a vulnerability management program, implementing access control measures, monitoring and testing the network, and maintaining and implementing an information security policy.
