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.
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.
Special rules for in-store 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