Accept your customers payments online
Whichever payment method, or several of them, you decide to install,
we will not apply the agreement fee.
New solution: Mastercard Click to Pay
New online checkout solution that allows consumers to pay quickly and securely from any device without the need to manually enter card details at every purchase. Thanks to one-click checkout experience using stored payment credentials in Click to Pay platform.
What it means for you?
- better online payment experience for your customers
- improved conversion rates
- higher security reducing fraud risk
Special offer for new users of the e. commerce service
- We will not apply the transaction fee for payment initiation service for 3 months
- The offer is valid until 31 August 2025
New features in e-commerce solution
- Tokenised Payment Initiation service (PIS). Allows to save customer’s preferences for the open banking payment and store the token to simplify check out process for next purchases.
- M4M (Mastercard digital enablement service). During the first purchase customer’s card data for the payment is saved and stored as a token which is used for all future payments instead of real card data. In this way simplifying check out process, as well, significantly decreasing risk of fraud.
How to integrate?
Choose an option based on your e-shop
E-shop by e-commerce platform
If the e-shop is created using an e-commerce platform (e. g., WooCommerce, OpenCart, Magento2 (Adobe Commerce), PrestaShop, Voog, ShopRoller, or the latest version of Verskis.lt), we will provide you with free plug-ins.
Custom-made store
If your store is custom-made, the integration is easy using a standardised application programming interface (API).
Mobile app shop
If you have an app shop, the integration is done via SDK applications.
Our solution in e. shops
Additional benefits
The merchant portal
Monitor your customers’ payment status in real time. See their payment history. Make a refund (if a customer pays by card).
LinkPay
A unique link with payment information for individual or subscription orders is generated. You forward the link to your customer. The payment is made.
Technical support
Via phone and/or e-mail in lithuanian and english languages.
Fraud prevention
Fraud prevention solutions for your store.
How to start collecting payments in your e-shop?
Contact us and receive a personalised offer in 1 working day. If you want, we will provide you with access to the DEMO version for your store.
We can sign the agreement online within 1 working day. Technical integration will take 2 to 20 working days.
- Fill the application
- Sign an agreement with SEB
- Integrate payment solution to your e-shop
- Start collecting customer’s payments online
Still not sure about the service?
- Share your needs in order to find the best personal offer for your business
- Become more competitive with innovative solutions
- Our client executives will help you find the right solution and guide you through the implementation process
General information for merchants
The website offering the goods or services must belong to a company that has concluded an agreement with the bank.
- complete name of the company;
- registry code;
- postal address; country of residence;
- e-mail address;
- contact phone.
- Complete list of goods/services – a detailed description of the goods/services; price list
- Different payment methods are listedDescription and terms and conditions of the purchasing process – must be easily found and unambiguous for the client
- The description of the terms of the procurement process is easy to find and unambiguous to the customerTotal cost of the order – postal charges and the fee for determining them will be added; reference to possible additional fees, including the obligation of the person who orders to pay possible customs fees and value-added taxes
- Clearly visible accepted payment card logos (Mastercard, Visa) and secure online payment trademarks (Mastercard Identity Check, Visa Secure)
- Procedure for handing over / sending the goods
- Procedure for forwarding data about the order to the client
- Warranty provisions of the goods; procedure for exchange and return
- Customer support phone and e-mail address and feedback procedure. Working hours in local time and time zone (GMT +2), e-mail postal address and period for reply
- The Merchant undertakes to ensure by its own means that the Cardholder's consent to the conditions for the provision of services and / or sale of goods has been obtained prior to the approval of the transaction.
- The purchase must be on the website specified in the agreement concluded with the bank. It is forbidden to direct customers to websites not specified in the contract, as well as to websites of other sales environments.
This table shows the approximate interchange fees that are paid to issuing banks and scheme fees. Fee amounts are rounded and do not indicate the exact amount of the fee.
| Types of payment cards | Interchange | Scheme fees |
|---|---|---|
| Mastercard debit cards issued by SEB | 0,20 % | 0,03 % |
| Mastercard credit cards issued by SEB | 0,30 % | 0,04 % |
| Mastercard business cards issued by SEB | To 1,5 % | 0,04 % |
| Mastercard brand debit cards issued within EEA* countries | 0,20 % | 0,04 % |
| Mastercard brand credit cards issued within EEA* countries | 0,30 % | 0,04 % |
| Mastercard brand business cards issued within EEA* countries | Confidential | Confidential |
| Visa brand debit cards issued within EEA* countries | 0,20 % | 0,03 % |
| Visa brand credit cards issued within EEA* countries | 0,30 % | 0,03 % |
| Visa brand business cards issued within EEA* countries | Confidential | Confidential |
| Mastercard brand debit cards issued outside EEA* | 1,15 % | 0,49 % |
| Mastercard brand credit cards issued outside EEA* | 1,50 % | 0,49 % |
| Mastercard brand business cards issued within EEA* countries | Confidential | Confidential |
| Visa brand debit cards issued outside EEA* | 1,15 % | 0,32 % |
| Visa brand credit cards issued outside EEA* | 1,50 % | 0,33 % |
| Visa brand business cards issued outside EEA* | Confidential | Confidential |
* the Card issuing bank established in the European Economic Area
Our e-commerce payment service is provided through the bank's partner's payment gateway platform EveryPay. This solution has been recognised as the best cloud-based payment by The Paytech Awards 2020.
Get in touch with our technical provider at support@every-pay.com and/or +37066102395 (I–V, 9.00–17:00).
Frequently asked questions
- Banklink allows your customers to pay for the goods and services purchased in your e-shop instantly. With Banklink you can collect payments from SEB accounts
- Identification service allows you to identify a customer entering your service environment or e-shop in a safe and simple way
Payment initiation service will allow you to make a payment directly from account in your account servicing payment service provider if your account is accessible online.
Using payment initiation service, you will need to authenticate yourself by providing personalized security credentials according to terms of your account servicing payment service provider. Payment authorization using strong customer authentication mean (Smart-ID, Mobile-ID, ID-card or other two-step authentication device ), provided to you by your credit institution, will be considered as your consent to execute the payment. You are responsible for the consent to the transfer of money. You may not recall your consent given to another payment institution.
SEB bank does not charge any additional fees for the payment initiation service. Payments fees from your account servicing payment service provider are according to your agreement with certain provider.
You will need to consent that your account data such as IBAN, name and currency will be forwarded to SEB bank to initiate payment. SEB bank does not use, access or store any data for purposes other than those necessary to establish a secure connection with your chosen account servicing payment service provider and to provide the payment initiation service.
You can read more about our data processing principles in SEB’s Terms and Conditions for Processing Personal Data (PDF).
Payment services ensured by AS SEB Bank
Legal entity code: 112021238
Address: Konstitucijos pr. 24, LT–08105 Vilnius, Lietuva
E-mail info@seb.lt
www.seb.lt.
SEB bank operates under the supervision of Lietuvos bankas
Address: Gedimino pr. 6, LT-01103 Vilnius, Lietuva
Phone +370 5 251 2763
E-mail info@lb.lt
www.lb.lt.
Frequently asked questions about Click to Pay solution
Mastercard Click to Pay is a new way to pay with cards that makes it easier for customers to check out by eliminating the need to manually enter card details. It leverages intelligent user recognition, tokenisation, and global standards to provide a faster and more secure checkout for consumers, increasing conversion. Mastercard Click to Pay is based on EMVCo Secure Remote Commerce standards and is supported by major card schemes, functioning on all devices, browsers, and channels.
Mastercard Click to Pay employs advanced payment technology,
tokenisation, and authentication standards to enhance security and reduce fraud for online transactions. It also utilises behavioural analysis and biometrics to securely identify legitimate customers in real-time and mitigate risks. Additionally, a one-time verification is always required for updating personal information, and customers may need to input a one-time verification code to access their Mastercard Click to Pay profile.
Customers only need to register once to then access their profile across participating merchants. There are various ways to create an account:
- Via your customer’s bank solution: cardholders can create Click to Pay profile and add/link their card via their bank which issued their payment card designed solution.
- During checkout experience: In case your customer doesn't have card enrolled to Click to Pay profile there will be a possibility to create Click to Pay profile and add card for future payment there during checkout.
This secure and convenient online payment option is designed to work on all devices and browsers. Customers can experience the future of checkouts by looking for the Mastercard Click to Pay icon . They are intelligently recognized through smart cookies or lookup of their mobile or email address and presented with their saved cards, all within your guest checkout.
Your customers may use both Mastercard and VISA issued card with our Click to Pay solution.
Mastercard Click to Pay offers customers a quick and seamless checkout on all devices and browsers. Customers benefit from fewer clicks to complete a purchase and having all their cards stored in a single, secure profile without needing to enter card details or remember passwords.
Implementing Click to Pay can help increase conversions, reduce fraud, and decrease the number of abandoned purchases by offering a smooth and secure payment option integrated directly into your existing checkout flow.
- During checkout, we identify whether your customer has a Click to Pay account, by recognising either their device or email address.
- In case Your customer has a Click to Pay account, they can pay with their stored card details:
- Your customer receives a one-time password via email/phone, and they authenticate themselves. This step is skipped if the customer is using a recognised device.
- Your customer’s stored Click to Pay cards are shown and customer selects their preferred card and confirms the purchase.
- In case your customer doesn’t have card enrolled to Click to Pay profile there will be a possibility to create Click to Pay profile and add card for future payment there during checkout.
- There is always an option to pay through manual card detail entry (existing payment flow).
Unlike competing alternative payment methods, Mastercard Click to Pay is based on global payment standards and works across all channels and devices. Think of Mastercard Click to Pay as contactless payment, but for e-commerce.
Yes. Mastercard Click to Pay is built on EMVCo Secure Remote Commerce standards and provides a secure and convenient online checkout experience, regardless of browser or device. It can also handle all network tokens used for processing transactions. Additionally, merchants retain the ability to request a 3DS authentication (and associated liability shift benefits) on all Click to Pay transactions.
This means you comply with PSD2 Strong Customer Authentication requirements, and that you don't have to worry about whether implementing Mastercard Click to Pay affects any of the existing work your team has done to comply with these standards.
Apply for new e-commerce agreement.
In the Click to Pay integration guide you will find step-by-step instructions for integrating Mastercard Click to Pay.
Interested in collecting payments in-store?
Accept your customers payments by cards and contactless payments in the way that suits your business model.
