What is a Merchant Agreement?

In order to accept card payments, every business requires a Merchant Agreement. This agreement ensures that there is money in the customer’s account, that the money is drawn, and that the money from each transaction goes directly into your account.

1. Customer

A customer makes a card payment in your physical or online store.

2. Acquirer

With the help of your acquirer, we verify that there is money in the customer’s account and then withdraw the order amount from this account.

3. Shop owner

The acquirer ensures that the money from all card transactions is deposited in your account. 

4. Bank

Any bank at all, this is where you have your business account and where the money is transferred.

Here’s what you get with Bambora Acceptance

Bambora Acceptance is your Merchant Agreement, serving your changing needs as your business evolves.

Whether you run a physical store or online shop, our card payment solution accepts the leading credit cards: Visa, MasterCard and Maestro, with the option to add American Express and Diners Club. A quick card authorization system for transactions and secure daily payments deposited directly into your bank account make business a breeze. With payments made to almost any bank in the world, we work with what you already have in place, and offer a capable, dedicated customer support team for guidance and thorough reporting tools for an in-depth look at your transactions.

E-commerce Sell to the world through your e-commerce business

With Bambora’s Merchant Agreement, you can accept payments in over 200 currencies and receive deposits directly into your business account in your local currency. To ensure security for both you and your customers at all stages of the transaction, we always use 3D Secure or Required payments.

We also offer a complete solution – Bambora Online Checkout – which includes a Merchant Agreement and Payment Checkout Page.

Instore Secure, convenient and quick payments

Start accepting cards in your store within a few days, and get one of the fastest payouts on the market. If you already have a payment terminal, feel free to keep it if you like. We do offer Bambora ONE, a complete packaged solution for card payments, which includes both a payment terminal and Merchant Agreement. Read more about Bambora One

Frequently asked questions about Bambora Acceptance


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We are open for business!

Welcome to the world of payment solutions. Choose your country and start accepting payments from customers all over the world.