POS & e-Commerce

Allow your customers to pay for the products or services you provide using their cards (Visa or Mastercard) and their satisfaction will show in the long run.

Card payment acceptance on POS is a complete and secure payment solution that helps you improve your business activity.

Based on our experience with credit card payments, we have developed solutions that are safe, fast, efficient, modern, and easy to implement into any activity.


Learn more about the benefits of accepting payments on a POS.


We help you develop your business by means of the following services: 

Discounts program

Through services purchased with a credit or debit card on UniCredit Bank POS’s installed at your stores, clients can get discounts starting from 5% for the purchased product. See more details on Discountry.

You can establish your own discount rate. Your company will benefit from an increase in clientele, an increase in sales, and brand association between the company and the bank.





Installment payment


For each payment made on a POS, clients can pay in equal monthly installments (minimum 2 installments, maximum 12 installments) without interest, thus providing the cardholder an additional reason to shop more.                                                            

Installment payments will be integrated on POS terminals by UniCredit Bank automatically, remotely, and without any additional cost or further developments on your part.

You establish the number of installments.


Important! All you have to do to receive the benefits of an Installment payment program is sign an addendum to your Payment acceptance Contract.







Cash Back - Cash withdrawal service at POS

This service allows your clients to withdraw cash directly at the POS (up to 150 lei per transaction) when they pay with their Visa or MasterCard card.


The Cash Back POS service helps you reduce cash handling costs: processing, secure transportation and bank deposit. Moreover, this service is a useful tool in securing client loyalty given that few companies currently offer it. 

The amount of cash dispensed is automatically taken from the cardholder’s account and then is credited to your company’s account at no additional fees.

  • Cash Back transactions at POS can be made with any card that has activated this service (regardless of the issuing bank);
  • Customers can only withdraw cash when they make a purchase;
  • Stickers / flyers will be provided at the installation of the POS in order to signal the service;
  • Industries where this service is suitable: supermarkets, gas stations, convenience stores, pharmacies, etc.

Important!  There are no additional fees for your company regardless of the amount of cash released by the POS (fees are only applied to the purchasing value).


Contactless acceptance

Through the use of contactless technology such as MasterCard’s Paypass or Visa’s Paywave, clients can make fast payments under 100 lei by simply sliding their card over the POS. These services allow clients to pay without entering their PIN code or signing the invoice and significantly reduce time spent at the cash register. 

Single credit service for all POS transactions

As a customer, you can choose to see all POS transactions as two lines, total value of transactions and total fees charged at merchants/workstations/POS levels, through your bank account. 

Accepting card payments module

There has been a new development within the Business Net application (both Basic and Professional versions) called “accepting card payments module". This new service allows you to access current information regarding your banking terminals (POS/imprinter), as well as transactions carried out at your store. The information regarding the transaction in stores can be exported to a CSV file for further processing.



Packages Cards Transactions Visa/ MasterCard POS Commission/ Transaction Settlement Term
GeniusIMM Cards issued in Romania
Cards issued outside Romania
Creativ Cards issued in Romania
Cards issued outside Romania

To benefit from the new POS pricing offer, please contact us in the nearest branch UniCredit Bank.


Free POS installation

Monthly fixed fee for POS maintenance

Monthly value of successfully finalized POS transactions Value of monthly fixed fee for POS maintenance
0<=2000 LEI 65 LEI/POS terminal
>2000 LEI FREE



Interested about the SME packages? Learn more about packages here. 

Enjoy a solution that really suits you, whether your business already has a website you are still developing or a complex website with which you deal with large volumes.




3DS payments


in online and social network


Plug and Play integration or shopping cart options



advanced transactions verification


management with a mobile application 


modular solution allowing rapidity in integration


Our modular e-Commerce solution, based on innovation, is specially created for you and your needs.

The two modules, eGenius and eGeniusWEB help you to grow your business regardless of type and its level, as you want every day.


eGenius e-Commerce module is the solution adapted to your business, simple to integrate with the most used shopping carts and ready to support its sustainable growth.

With eGenius it is easier to enjoy many benefits as follow:    

  • API integration or plug and play integration with the most used shopping carts;
  • Dedicated support for you and your business for fast and efficient integration;
  • Secure payments through 3DSecure;
  • The possibility to check at any time you want the transactions without making the buying process difficult;
  • An advanced, flexible and intuitive monitoring platform that can generate complex reports and provide easy integration with accounting solutions.

eGeniusWEB e-commerce module is the ideal solution for start-ups and growing businesses. It is provided with innovative features that can help you build the foundations for a stable and sustainable growth. In addition, it has a predefined website template that allows you to customize things as you wish.

With eGeniusWEB you enjoy many benefits as follow:

  • The possibility to check at any time you want the transactions without making the buying process difficult, including from the dedicated mobile application;
  • Integrated share option on social platforms (Facebook, Twitter);
  • Integrated website, which only needs to be personalized and updated with your products without development costs, simple and fast;
  • Plug and play integration with the most used shopping carts;
  • Dedicated support for you and your business for fast and efficient integration;
  • Secure payments through 3DSecure;
  • The option of issuing electronic invoices and sending them by e-mail.
Commissions and payment acceptance rules
  • For additional information & fees and commissions, you can contact us at cashmanagement@unicredit.ro or through your Relationship Manager.


Look for the following 3D secure logos:

UniCredit Bank’s E-Commerce service accepts payments from cards embossed with the following logos: 

Spinning wheel animation


UniCredit Logo