cardera@cardera.pl +48 (58) 511 20 00

 

Authorization and settlement of transactions

A comprehensive offer to handle transaction processing services for acquiring activities - we offer and provide services for processes related to transaction authorization and routing as well as handling of settlements, fees and billing of commissions between participants of the payment system: Issuers, Acquirers and Merchants.


Authorization and settlement of e-commerce, m-commerce, POS and ATM transactions:

  • -      comprehensive transaction authorization and routing services,
  • -      management of all types of messages – financial, non-financial, chargeback,
  • -      support for multiple currencies for transactions, authorization and settlement,
  • -      3DSecure transaction verification service,
  • -      handling of Digital Wallets' transactions i.e. Mastercard MasterPass,
  • -      handling of cardless cash withdrawals in ATMs,
  • -      ability to build direct switch connections between ATM, POS networks,
  • -      calculation of fees and commissions,  reporting services and report generation for Partners for the needs of payment organizations and regulators.

 

We provide flexibility and functionality:

  • -      ability to create any structures and hierarchies for the Partner, the Partner’s merchants and terminals (many merchants, many locations for a given merchant, many terminals assigned to a given location),
  • -      registration of merchants in special programs of the Visa and Mastercard payment organizations (micropayments, payments at public & government institutions, etc.).

 

Multicurrency:

  • -      support for any authorization currency,
  • -      support for any settlement currency with the payment organizations,
  • -      support for any settlement currency with the merchant.

 

We have certified connectivity to international payment organizations:

  • -      Visa,
  • -      Mastercard.

We handle domestic and foreign transactions:

  • -      Visa/ Visa Electron,
  • -      Mastercard/ Maestro/ Mastercard Electronic.

Including:

  • -      EMV,
  • -      contactless (payWave, PayPass),
  • -      3DSecure (Verified by Visa and Mastercard SecureCode).

As well as:

  • -      micropayments,
  • -      public and government payments and other special programs.


Supported transaction types:

terminalPOS transactions:

  • -      purchase (including tip transactions),
  • -      purchase with cash advance (cashback),
  • -      manual cash advance,
  • -      reversal,
  • -      credit voucher,
  • -      pre authorization,
  • as well as POS terminal settlement for merchants


shopInternet transactions:

  • -      purchase,
  • -      reversal,
  • -      credit voucher,
  • -      credit voucher reversal,
  • -      pre-authorization.


atmATM transactions:

  • -      cash withdrawal,
  • -      balance enquiry,
  • -      PIN change,
  • -      PIN unblock,
  • -      cardless cash withdrawal.

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Head Office


Cardera sp. z o.o.
Arkońska 11, 80-387 Gdańsk
www.cardera.pl

Phone Numbers


Tel. +48 (58) 511 20 00
Fax +48 (58) 511 20 01

E-mail


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