Terms & conditions for your Nets payment solutions

On this page, you can find general terms and conditions, security requirements etc. and special rules regarding in-store payments, e-commerce, UAT/CAT and mail- and telephone order.

Terms and conditions - terminal rental and Netaxept agreement

Payment terminals

Terms and Conditions - payment terminals - all countries

Data Processing Agreement for terminals 


Terms and conditions - Netaxept - Finnish customers

Terms and conditions - Netaxept - Swedish customers

Terms and conditions - Netaxept - Danish customers 

Terms and conditions - Netaxept - Norwegian customers

Data Processing Agreement for Netaxept 

Terms of use - Save my card functionality

Terms and conditions - acquiring agreements

Terms and conditions 

Merchant instructions

Webshop requirements

Nets Privacy Notice

American Express

For acceptance of American Express, these terms and conditions shall apply with Nets Denmark A/S as the agreement party

For acceptance of American Express, these terms and conditions shall apply with Nets Branch Norway as the agreement party

For acceptance of American Express, these terms and conditions shall apply with Nets Sweden AB as the agreement party

For acceptance of American Express, these terms and conditions shall apply with Nets Finland as the agreement party

Security in connection with card payments

When accepting payment cards you are responsible for meeting the security requirements. You must meet the Payment Card Industry Data Secutiry Standard requirements and make sure you live up to the rest of the security requirements for secure payments to avoid fraud. 

Read more about secure card payments

Information about Payment Card Industry requirements

The acquiring agreement cannot be used for

  • Activities that can harm the brand and image of Nets or the international card organizations
  • Morally or ethically incorrect purposes or purposes conflicting with the country's laws or regulations
  • Debt collection

Amendments to your agreement - from Nets

Nets may amend the agreement, including payment quarantee limits, by providing one month notice. This period may be shorter if the amendments stems from an official requirement or is of major importance to security.


Terms & Conditions – Bundles

If you have a bundle solution, two different set of terms and conditions apply: One for the terminal part, and one for the acquiring part of the solution. 

Terms and conditions for the acquiring part of the Bundle agreement 

Terms and conditions for the terminal part of the Bundle agreement


Special rules for in-store payments

In connection with in store payments, you must be aware of the requirements to the terminals. The requirements help ensure secure payments.

Chip and PIN - avoid fallback 

A fallback transaction is a magstripe transaction made with a chip card in a chip enabled terminal. With fall back transactions, Nets may withdraw the amount from your account in case of a dispute. 
Always ask the cardholder to use chip three times before using magstripe. 

Read more about dispute handling in the terms

Do not refuse to accept cards without chip

If the card does not have a chip, transactions can be made with the magstripe. In this situation, issuer is responsible in case of dispute. You must accept payment cards with only magstripe. 


Be aware that each country has different legislation concerning surcharge. If you choose to surcharge, information must be both posted and visible in order for the cardholder to make a qualified decision prior to completing the transaction. The surcharge amount may not exceed the merchant service charge paid to the acquirer. 


Special rules for transactions in unattended terminals

When the cardholder purchases goods or services in cardholder activated terminals (CAT/UAT), the merchant cannot see or approve the customer. Therefore, there are special rules in order to maintain security and safety for both the customer and your merchant.

Cardholder activated terminals (CAT/ UAT) can be used for a number of different purposes, e.g. parking, bridge tolls, fuel, goods and car washes.

General requirements for CAT/ UAT

All solutions must be able to read chip, and as a rule, all solutions must be equipped with a PIN pad for security reasons. All solutions must fulfill the requirements of PCI. Self-service machines must not print vouchers or pay out cash.

PIN requirements for CAT/ UAT

  • All terminals that do not use PIN must be approved by Nets
  • The customer must able to enter a PIN when using Visa and Maestro in CAT/ UAT
  • An exemption may be granted for Visa in special cases, such as at bridges
  • Mastercard requires that all transactions over EUR 50 are PIN transactions
  • Any exemption will be granted to the individual company for the specific payment solution
  • If you replace your equipment, you must re-apply for any exemption

Read the Merchant instructions for more information - you find it at the top of this page

Important dates and requirements

  • 31.12.2017: Payment terminals with PCI PTS version 1x. must be replaced
  • 31.12.2019: Payment terminals, including unattended payment terminals, must support contactless transactions
  • 31.12.2019: Chip Express/No CVM is no longer permitted (Only applicable for merchants in Sweden) 
  • 31.12.2020: Unattended payment terminals with PCI PTS version 1x. must be replaced
  • 31.12.2020: Payment terminals with PCI PTS version 2x. must be replaced