Card payment processing

  • About card payment processing

    What is card payment processing?

    Card payment processing is a service for merchants to accept cards as a payment method. With Bambora’s card payment processing, you can charge from Visa, MasterCard and Diners Club cards.

    Card payment processing consists of three parts:

    1. Check and approve (authorize) card payments.
    2. Collect card payments and send to the respective card payment processor.
    3. Pay money to the merchant.

  • Getting started with card payment processing

    What agreements do I need to sign to get started with card payments in my store?

    You need a card payment processing agreement and a terminal agreement (for the card terminal). Bambora has both and can offer great package deals.

    Contact Bambora’s sales department on 010-10 66 000 or via e-mail at: sales.sweden@bambora.com and we will help you.

    Can I use my contract for card payments in shops for e-commerce as well?

    You need two agreements, one for card payments in shops and one for e-commerce. This is because different rules and regulations apply depending on the sales channel.

    Contact Bambora’s sales department on 010-10 66 000 or via e-mail at: sales.sweden@bambora.com and we will help you.

  • Payment transactions

    Why haven’t I received my money yet?

    Delays in payments are usually due to an error in the night’s file delivery of transaction data. These errors are detected and corrected immediately, but unfortunately it can lead to slight delays in deposits. Normally they are corrected the following day. Please contact us if you have any questions.

    When do I get paid?

    It depends on the terms and conditions in your agreement. Usually, deposits are made the following day, assuming that you have done the end-of- day routine on the terminal. This applies, for example, if you have a Bambora ONE agreement.

    Do you have any questions? Contact us and we will help you.

    Why is there a difference between my end-of-day routine and the payment I have received?

    The difference in payment is in most cases due to the nature of your agreement. Normally, sales are paid the following day, but there are certain parameters that can cause a difference. The most common examples are:

    Net as cash conditions
    When you have net as cash conditions, we make a daily deduction of the service fees from your sales deposits. In other words, you will not receive the full amount from the end-of- day routine, but the remaining sum after service fees have been deducted.

    External agreements, such as American Express and Diners Club
    If you, for example, have a contract with American Express or Diners Club, they handle the payments. If you notice that you have a difference in the payment received, it can be due to these types of card used for payment.

    Delay in payment
    Depending on the agreement you have with us, you may have delayed payments. If you are uncertain, this is most easily checked by comparing the end-of- day routine against payments and checking if you receive delayed deposits into your account.

    Don’t hesitate to contact us if you have any questions. We are eager to help you.

    How do I know that I will get paid?

    If the transaction is completed in accordance with our terms and conditions, the payment to your business is guaranteed.



  • Dropping reservations

    How can I see if an amount is reserved on a specific card?

    If you have a card payment processing agreement through Bambora, contact us and we will help you.

    If not, contact your card payment processing bank, for example, BABS, Teller or Nordea.

    How can I remove a reserved amount from my client’s card?

    If you have a card payment processing agreement through Bambora, contact us and we will help you. If not, contact your card payment processing bank, for example, BABS, Teller or Nordea.

  • Reports and alerts

    I have received a report/notification. What does it mean?

    It is a specification for the deposit of your sales and the service fees we have charged. If you want an explanation of how to read our reports, or have a question about a specific transaction, please contact us and we will help you.

    I do not have a report/notification. Can you send it to me?

    Yes, of course! Contact us and we will help you.

    Why did you withdraw money from my account?

    Each month, we will deduct service charges from your account. Depending on whether you get notifications via mail or not, these deductions will take place on the first or 16th day of each month. If we have deducted on another date, this could concern possible transaction adjustments.

    Do you have questions? Call or e-mail us and we will help you!

  • Change of address, corporate structure, bank

    My company has changed its bank account. How do I inform Bambora?

    Contact us and we will send you a form, or you can download it. Fill it in according to the instructions and return it to us. Once the change is made, you will get a notification from us via e-mail. Here you can download the change of account form. [Link to the change of account form]

    My business has changed address or name. How do I inform Bambora?

    To be able to change the legal address or organization name with Bambora, the data must first be updated with Bolagsverket (Swedish Companies Registration Office). If you want to change the street address or the name of sales, you can contact us and we will change your details. Here you can download a change of address form [Link to the change of address form]

    If you want mail, for example, to be sent to an accountant instead, contact us and we will help you.

    My company has changed its corporate structure. How do I inform Bambora?

    If your company has changed its corporate structure, you need to register a new contract with us. Contact Bambora’s sales department on 010-10 66 000 or e-mail: sales.sweden@bambora.com and we will help you.

  • Conditions of my agreement

    What are the terms and conditions of my agreement?

    It depends on the agreement you have. Here you can read Bambora’s general terms and conditions [Link to the general terms and conditions]

    Do you have specific questions? Contact us and we will help you.

    What are my rates?

    The prices for the agreement(s) you have signed with us are stated in the agreement. If you have no agreement or quote, contact us and we will help you.

    When does my agreement expire?

    The duration of your agreement(s) is stated in the agreement. If you have no agreement or quote, contact us and we will help you.


  • Transfer or termination of contract

    How do I cancel my contract?

    Contact us and we will help you.

    Can I transfer my contract to someone else?

    It depends on what type of agreement you have. Contact us and we will help you.

  • Disputes & Chargebacks

    What happens if a dispute is raised on a card transaction?

    Sometimes you will have customers that are not satisfied with a card transaction. To solve this issue, your customers may contact you directly or their card issuing bank for assistance.

    If the card issuing bank raise a dispute, you as our client will receive a notification from us. This notification gives you details about the transaction, so you can investigate further the reason for the dispute.

    All your chargebacks will be notified to you in a report and the chargeback reason codes will be grouped into 2 categories. Please click here for description of the dispute reason codes.

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