"Cardpoint" is a brand managed by "Single pay point", UAB, which is the official distributor and distributor of myPOS Packaging. "Single pay point", UAB provides card reader sales services and advises customers on the use of myPOS services.

All with email money and payment related services are provided by iCard AD, whose permanent address is Bulgaria, Varna, Varna Business Park, B1, PO 9009. It is an Electronic Money Institution licensed by the National Bank of Bulgaria, providing international electronic money and payment services in all EEA countries. Services are provided at www.mypos.eu or www.mypos.com. More information can be found at https://www.mypos.com/lt/terms-conditions. 

myPOS package includes:

– Free myPOS account;

– Card reader of the selected model;

– myPOS Business card;

– myPOS Data SIM card for transactions (FREE) throughout Europe;

- Charger

myPOS account is e-mail. cash account that enables sellers to accept payments through all electronic channels: POS, online and mobile. Payments are instantly available in the account, and thanks to the multi-currency support feature, sellers have the ability to accept and make payments in 14 different currencies. The myPOS account has a main currency, and a separate account is opened for each other currency. Each additional account is assigned a separate IBAN number.

Depending on the country of registration and the selected base currency, myPOS accounts may be assigned UK or Bulgarian IBAN numbers.

• The United Kingdom IBAN number consists of: country code (GB) - identification number (2 digits) - bank code (MPOS) - type code (009963) - myPOS account number (8 digits)
  Example: GB 12 MPOS 009963 12
• The Bulgarian IBAN number consists of: country code (BG) - identification number (2 digits) - bank code (INTF) - myPOS account number (14 digits)
  Example: BG 12 INTF 12345678901112

An additional feature of the myPOS account is the ability to work with multiple users. The seller, as the account holder, can grant access to manage the business to any number of users. The account owner has full control over the access of additional users, which can be restricted to certain functions.

In addition, the myPOS account allows sellers to transfer funds between accounts in the same or different currencies, as well as make transfers to other myPOS users or to any bank in the world.

Beginning of the work

In order to start using the card reader, you need to open a myPOS business account.

myPOS account opening

Opening a myPOS account is simple and convenient online from your laptop, phone or tablet. Simply click on the "Register" button on the CARDPOINT website and you will be redirected to the myPOS system and begin the account opening process. Here's the information you'll need to fill out:

• Login details - the details you will use to login to your myPOS account. Do not disclose this information to anyone
  
  • email the email you will use to log in
  • password - it must contain at least 8 characters - uppercase and lowercase letters and special characters
  • mobile phone number - for urgent contact and verification purposes, if necessary
• Your personal data – name, surname, date of birth, nationality and place of birth
• Business information - general information about the business, address, company code and name
  
  • legal form of the company - according to local corporate legislation
  • director information - if you are not a director but an authorized person, please provide us with a document confirming your authority, such as a Power of Attorney.
• additional information
  
  • for what purpose do you intend to use the services of myPOS, what is your main source of income, expected annual turnover, average expected transaction amount, do you have a website or otherwise advertise yourself on the Internet, for example, do you have a profile on social networks, etc.?
  • the reference code field must be filled in if the registration was made together with a myPOS distributor or if your myPOS terminal was purchased from a myPOS distributor.

When you agree to the General Terms and Conditions at the bottom of the page, confirm that you have the legal authority to open an account on behalf of the company and confirm that the information provided is reasonable and correct. A 4-digit verification code will be sent to your mobile phone number via SMS. The code must be entered in the field "Enter the confirmation code received by SMS". After selecting the box, you should receive the code in about a minute.

Once you have completed the registration form, you will receive a confirmation email. the letter to the specified e-mail postal address. Click Email to confirm your address. link provided in the letter. The next step is a short online identification to verify your identity.

Identity verification

Identity verification is a short online identification procedure for myPOS to confirm the merchant's identity. According to the EU Fourth Money Laundering Directive, all institutions providing financial services are obliged to confirm the identity of a third party before starting a business relationship. myPOS is required by law to verify the identity of each customer.

To make the verification process clear and easy for customers, myPOS has simplified it to a procedure involving just a few steps. For identity verification, the merchant only needs to have a valid passport or national identity card or photo. Please note that you will need to present your passport or identity card, not a copy.

1. An email will be sent to the email address you used to register. Open the letter and click on the link in it to confirm your registration in the myPOS system
2. Download the myPOS mobile app and start online identification
3. You will be assisted with identity verification
4. The myPOS team will review the submitted ID and confirm the identity verification within 72 working hours.

After completing the identity verification procedure, the merchant will be asked to submit legal documents for company verification. Which documents will need to be submitted depends on the legal form of the company. You can find the list of relevant submitted documents by logging into your myPOS account.

A myPOS Business card is a card linked to a merchant's myPOS account. A free Business card is issued with each purchased myPOS terminal. With this card, the merchant has access to the funds in the account and can also withdraw money or make payments anywhere Visa is served.

Multiple VISA Business cards can be linked to an account, so the merchant can have separate cards for each currency and/or issue cards for each user. With individual card settings, limits, notifications and detailed reporting tools, the merchant is always in control of each card's spend.

About myPOS devices

CARDPOINT offers a full range of mobile bank card terminals suitable for all small and medium-sized businesses operating in the transport, accommodation, retail, leisure and recreation, food and beverage and e-commerce sectors. Card readers can process all types of cards – chip and PIN, magnetic stripe and contactless – and support all major card schemes such as Visa, MasterCard, AMEX, UnionPay, JCB and others. From the portable yet powerful myPOS Go to the innovative Carbon and Slim with Android OS, you're sure to find a terminal that meets your business needs.

How do I choose the card processing terminal that is best for my business?

Each card payment machine we offer is best suited to certain business needs. It is very important to choose a card reader that has enough features and power to cover the future growth of your business.

Here's a quick overview of the models we offer:

Traditional terminals:

myPOS Go

myPOS Go is our simplest credit card terminal. Offered at an attractively low price, it is our most suitable solution for traders who are always on the go - sales representatives, beauticians, massage therapists, handymen, taxi drivers, food delivery staff, etc. The myPOS Go can also be used by merchants who only occasionally process card payments. It is an environmentally friendly credit and debit card reader that issues digital receipts.

myPOS Combo 

myPOS Combo is our classic bank card terminal designed for particularly intensive work. It has a robust body for long-lasting performance and a fast printer that issues paper receipts. The myPOS Combo terminal is intended for restaurants, cafes, bars and large stores where many operations are performed.

Smart terminals:

myPOS Carbon

myPOS Carbon, which runs on Android 9.0 operating system with a quad-core 1.4GHz processor, has a touch screen and works on the same basis as smartphones, and also has the same functions as traditional POS terminals, such as high-speed thermal paper printers. Get access to the myPOS AppMarket, where merchants can download business-related apps such as cash registers, loyalty programs, remote accounting, and more. Thanks to its durable and robust design and ATEX certification, this device is resistant to shocks, water and dust, and is perfect for working in difficult conditions.

myPOS Slim

The stylish and compact myPOS Slim combines the functions of a barcode scanner and a card reader in one device! This elegant looking smart Android terminal with a built-in long-lasting battery can send electronic receipts, and the 5.5-inch color touch screen and powerful processor will meet all the payment acceptance needs of retail, food and beverage, delivery services and other sectors.

myPOS Integra

With a 4.3-inch color TFT touch screen and a virtual keyboard, the myPOS Integra provides customers with an attractive and convenient payment experience. This compact terminal is designed according to the highest quality standards of physical protection and allows merchants to accept any type of transaction. It has a robust, shock- and water-resistant body, making it ideal for outdoor or indoor self-service systems.

myPOS Vending

The myPOS Mini is equipped with a specially designed bracket that allows it to be integrated into kiosks and vending machines. It ensures the protection of the terminal, easy control and flawless communication with the host device. With myPOS Vending, merchants can accept any type of transaction, and the terminal's industry certifications allow you to meet all your customers' payment needs in one place.

Activation

To activate the card reader, the merchant needs a myPOS account. All devices are equipped with an integrated data card for 3G/4G/GPRS connection. The data card is designed specifically for myPOS devices and is provided free of charge to enable dealers to use the device throughout Europe.

Card reader activation is a simple, one-time process that takes about 5 minutes. The merchant needs:

• Step 1: Log in to the myPOS account, select "POS terminals", then click "Activate terminal" and follow the instructions. An activation code will be generated.
• Step 2You must enter the activation code on your device. Please note that the terminal must be connected to the Internet in order to complete the activation process.
• Step 3: Once the device is activated, a confirmation message will appear on the screen and the system will automatically check for software updates. If there is an update, the device will download and install it automatically.

The device is ready for use and will be placed in the "Terminals" section of the myPOS account.

Errors occurring during device activation and possible causes:

'Device activation failed'

• The activation code was entered incorrectly, please check the code and try again.
• The activation code is only valid for 24 hours. If the code has expired, start the process again from step 1.

Update failed

• Internet connection problems - check your connection and try again. You can also change your internet connection type and try again.

Payment acceptance

Card readers process all types of cards - chip and PIN, magnetic stripe and contactless cards, accept payments from all major card providers VISA, Mastercard, JCB, UnionPay, bancontact, as well as payments via Apple Pay, Google Pay and Samsung Pay.

Chip and PIN card processing

Insert the card (chip facing up) into the bottom reader of the terminal. If the terminal does not accept the card, remove and reinsert it, making sure the card is inserted correctly. If the problem persists, there may be a problem with the card. Ask the customer to present another card.

CHIP cards usually require a PIN to confirm the transaction. In this case, the message "ENTER PIN" will be displayed on the myPOS terminal. Hand the terminal to the customer and ask him/her to enter the PIN code and press the confirm button. The terminal will process the PIN code and, if the PIN code is entered correctly, a message on the screen will inform about the successful payment.

If the card does not require a PIN code, the transaction will be processed without a PIN code request and a message on the screen will inform about the successful payment.

PIN – personal identification number

Magnetic stripe card processing

Swipe the card (with the magnetic strip facing up) over the terminal's upper scanner. Make sure the card is inserted correctly and swipe through the scanner at an even speed. The card swiping speed should not be too slow, as this may cause problems during checkout.

If the CHIP card is swiped as magnetic, the terminal will not accept it. Insert the card (with the chip facing up) into the lower reader of the myPOS terminal and follow the steps in the section "Processing Chip and PIN Cards".

Contactless card processing

Contactless payments are made using a contactless card or smartphone.

• Contactless cards: myPOS terminals can accept payWave and PayPass contactless cards issued by Visa. Contactless cards are identified by the following logo on them: 
• Smartphones: myPOS terminals process payments made via Apple Pay and Google Pay

Contactless card and smartphone payments are processed in the same way. Hold the card or smartphone approximately 3 cm above the screen of your myPOS terminal. Four lights will light up on the screen to indicate that the card has been recognized. If the payment has been processed successfully, all four lights will light up, followed by a beep to let you know that the card can be removed. Payment is made in seconds.

In some cases, usually for larger amounts, it is necessary to enter the card's PIN code. Hand the terminal to the customer and ask him/her to enter the PIN code and press the confirm button.

Right

Every merchant who wants to use myPOS card readers, online payments or other services provided by myPOS must open a myPOS account and follow the myPOS terms and conditions agreed to during the account opening process. Below we provide a link to the myPOS Law section where you will find the relevant contracts and terms:

• myPOS Law

About myPOS mobile app

myPOS is an intuitive mobile app designed for sellers to manage their business anywhere, anytime. Sellers can make money transfers, track performance or trade activity, send payment requests, top up prepaid phone accounts, and much more.

myPOS mobile app is available for Android and iOS operating systems. Download it from App Store or Google Play.

myPOS Online payment methods - accept payments online, by phone, by e-mail. by mail or SMS

myPOS Online payment methods are a group of useful services that facilitate payment processing while increasing your payment channels and revenue.

Let's have a brief look at what we can offer you:

myPOS Online
Start your email business with myPOS Online for free! You can start trading online with your myPOS account in just a few clicks. You can choose the name of your online store and one of the ready-to-use e-commerce website templates. myPOS will take care of everything from hosting and payments to secure checkout and delivery. Offer your customers all possible payment and delivery methods and manage your products from anywhere in the world. Avoid hidden prices and pay only a small transaction fee with every sale!

Payments interface
The myPOS Payment Interface enables you to securely accept card payments on any website or mobile app. This is an online version of the credit card terminal. The easy-to-integrate Payments interface also helps you track online transactions and use real-time reporting.

Shopping cart plugins
Accept all payments to your email. on your shopping site using our ready-to-install shopping cart plugins. Just find the one that suits you best and install it! We currently support WooCommerce, Magento, Magento 2, OpenCart, X-Cart, PrestaShop, osCommerce, Zen Cart and CloudCart. If you don't see what you need among them, don't worry, we're constantly adding new plugins based on your feedback!

MO/TO Virtual Terminal
Using the myPOS MO/TO Virtual Terminal, you can turn your computer, mobile phone or tablet into an online payment card terminal and start accepting remote card payments by phone or email. by post Your customers can simply call you, provide their credit or debit card information, and pay you—no complicated integrations, no additional software or hardware required.

PayButton
myPOS PayButton enables your customers to pay quickly, conveniently and securely without any complex integrations. Simply set the amount, button size, and data you'd like to collect from your customers, copy the generated HTML code and paste it into your site's editor. Everything! If you have knowledge of HTML and CSS, you can customize the appearance of the button. After clicking the button, your customers will be redirected to a secure payment interface page to complete the payment process.

PayLink
Enjoy the freedom that myPOS PayLink gives you! You don't need to have an online store or website to accept online payments. Simply generate a payment link with a description, currency, expiration date and send it to customers along with a quote or invoice. After opening the link, they will be taken to a secure payment interface, enter their card details and complete the payment process.

Payment request
The myPOS's Payment Request function allows you to request payment from customers around the world. Simply generate and send a payment request to your customers via email. by mail or SMS from your myPOS account, myPOS app or payment card terminal. In addition, myPOS offers you detailed reports of your payment requests with information on whether the customer has viewed the request and whether a payment has been attempted. Customers will be redirected to a secure payment interface page where they can complete the payment process. Payment requests are considered the future of MO/TO payments because they are more secure and reduce the risk of chargeback disputes.

General requirements for sites that would like to integrate myPOS online payment solutions.

Please note that in order to use our online payment services, the website must meet the following requirements:

• the merchant's name and address must be clearly visible on the website.
• the website must clearly display the merchant and/or customer service phone number (preferably a toll-free line)

the following information must be clearly indicated:

• delivery methods and timing
• money and goods return rules
• cancellation rules
• privacy statement (authorized use of user data)
• the products and services offered should be clearly defined, avoiding any misleading content
• all costs, including shipping, handling and applicable fees, should be clear to the cardholder
• the currency of the transaction must be clearly indicated
• the length of the trial period, if offered, including clear disclosure that the cardholder will be charged unless the cardholder expressly declines the charge

Show your customers that you accept card payments

When you're ready, demonstrate that you accept card payments using pre-made card scheme logo sliders (animated images). You can place them on your product pages, in your footer, or anywhere you choose. Download our collection of ready-made logos here.

Where can I contact if I have any questions or problems when using myPOS card readers or myPOS services.

CARDPOINT provides consultations related to the use of myPOS services and the distribution and servicing of card readers. For questions related to your myPOS account and its servicing, transactions, card payments, service blocking, etc., you should contact the myPOS service department. Below we provide answers to the most frequently asked questions for the myPOS service:

frequently asked Questions

• My email address/phone number is no longer active and I can no longer log in to myPOS

  Please contact our customer service team and provide them with your new email address. email address or phone number. For security reasons, a myPOS representative will verify your identity before processing your request.

• I forgot my card PIN. What to do?

  If you forget your PIN code and enter it incorrectly 3 times in a row, your Business card will be blocked. This is for your safety. You need to contact the customer service center for assistance in unblocking the card.

  The customer service team will also help you reset your PIN. Once your identity is verified, they will give you a new phone number. This number is secure and is used specifically for issuing PIN codes. You will be asked to send an SMS with the following text to this number: myPOS + space + XXXXXX (the last 6 digits of the card number). An SMS message will be generated with the customer's PIN code. Please note that the SMS message must be sent from the mobile phone number used to open the myPOS account. The PIN code will also be sent to this mobile phone number.

  To make the PIN code easier to remember, you can change it at any ATM. Insert your card into the ATM, select Change PIN and follow the instructions.

  PIN security tips:

  • Simple sequences of numbers such as 1234 or 0000 or multiples such as 1122 and 8899 should be avoided
  • Avoid using any part of the social security number or the company's VAT number
  • Avoid using any important part of an address or phone number

• Why is my Business card blocked?

  Your money is extremely important to us and we must protect it! We have highly effective automated fraud prevention systems that can block your myPOS business card if a suspicious transaction is detected. We want to protect you from transactions that you don't actually make.

  In this case, you should receive an SMS message or active notification in your myPOS app informing you that your card has been blocked due to a suspicious transaction. The message will provide instructions on what to do.

  If you did not receive the message, please contact us from the email registered in your name. email or call us, confirm the transaction and we will unblock your card.

  In some cases, your myPOS business card may be blocked because your account is blocked.

• Why is my account blocked?

  As a financial institution, we have a responsibility to monitor and detect financial crimes. We provide intelligent monitoring and reliable fraud prevention services, the effectiveness of which is ensured together with fraud prevention specialists - our Risk and Compliance teams.

  Our system scans everything that happens behind the scenes (card transactions, POS transactions, internet transactions, internal transfers, credit transfers, cash withdrawals, etc.) and when it finds traces of suspicious activity, it immediately flags it until it is checked by a compliance agent to ensure that all is well.

  In addition, our Compliance Department works with external partners and intelligence networks to quickly detect and remove fraudulent accounts to prevent any harm.

  An account is blocked when, based on our own research or information from our partners, the system flags it too many times.

  The reasons can be various:

  • your identity documents have expired and you have not provided a new identity document when requested by us
  • we got back scans
  • our system has detected suspicious card transactions with your card or transfers to persons on sanctions lists
  • unusual hours of operation, unusual operation activity
  • transfers of unusual amounts of money

  These and many other factors are flagged as risky and we have to block your account due to security reasons or legal requirements.

  In order for an account to be unblocked, our Compliance and Risk team must review each flagged activity to ensure that everything is 100% correct. complies with the requirements. Depending on the complexity of the issue, some accounts may take longer to review than others.

• Why is my account blocked but Customer Service does not help me?

  The customer service team does not block accounts. This can only be done by certain designated services - Compliance and Risk, which are responsible for monitoring and blocking accounts.

  Also, we are not allowed to release any information about the blocked account until the investigation is complete. This means that our Customer Service team cannot provide any specific information about why your account has been blocked or how long it will take to verify it.

• What if my account is blocked?

  First, check if your email there are no messages sent by us in your mail and/or online account. We have probably already requested information or documents from you. Take the necessary steps. Contact us if you need more information or assistance. Have documentation of your most recent transactions ready to provide when we contact you.

• I have a question about a declined card transaction and/or blocked amount

  A business card transaction may be rejected for several reasons:

  • Your myPOS card has been blocked from performing the transaction you are trying to perform. For security reasons, certain transactions may be blocked on your myPOS card. You can view your card's security settings by logging in to your account and selecting Settings in the Cards menu. Please note that security settings can be customized for each card. If you have more than one card, select the appropriate one to ensure that the card has not been blocked for certain transactions.
  •  
  • For security reasons, your myPOS Business card also has a limit set for the amount of one transaction and the number of transactions. Your card limit can be viewed in the myPOS account in the Limits section in the notes section of each page.
  •  
  • During an online transaction, your card may be declined due to incorrect card details being entered. Please check the information and try again.

  When using rental or self-service services, it may happen that the service provider blocks a certain amount on your account. The amount is usually held for 45 days and then released. A myPOS representative can assist you in disbursing the amount as quickly as possible, but please note that additional documentation may be required.

• How long does it take to clear a SEPA or SWIFT transfer?

  SEPA transfer is completed within 2-3 working days, SWIFT transfer within 3-5 working days.

  Sometimes the transfer may take some time if any of the recipient's details have been entered incorrectly. For example, if the recipient name was entered instead of the company name.

• PayPal transactions with my Visa Business card are in the wrong currency. What should I do?

  It appears that PayPal cannot identify the currency set on your myPOS Visa Business card. To resolve this issue, please send a request to PayPal as below:

  1. Sign in to PayPal
  2. Select "Help" at the bottom of the page
  3. Select Message Center
  4. Fill in the required information (see image)

     The inquiry message should include the last 4 digits of your card and the corresponding currency. Here is a sample message: Please change my default card currency ending in XXXX to XXX (your myPOS Visa card currency).

  5. PayPal will make the change and send you a confirmation

• I have ordered / would like to order a myPOS Business card, how long will it take for my card to be delivered?

  The delivery time of your myPOS card depends on the delivery method you selected when placing your order. myPOS offers courier delivery which is a safer and faster method, but delivery is only possible during standard business hours. The card can also be mailed for free, but delivery will take longer.

• What is the myPOS Active Message Authentication method?

  myPOS's active message authentication method provides you with a better and more secure way to authenticate your transactions. The purpose of this method is to increase the level of security we offer.

  With free active notification authentication, an active notification is sent to your mobile phone every time you log into your myPOS account, make a payment, manage users or perform actions that require authorization. With an active message, you can authorize or reject the transaction.

• How can I use the myPOS Active Message Authentication method?

  To use the authentication method, you must link your mobile device and log in to your account on our website.

  To pair a device, follow these steps:

  • Log in to the myPOS app using the device you want to use for authentication OR set the device you want to use for authentication by clicking "Set as Authentication".
  • Enter a valid email email address and confirm by clicking "Next".
  • Enter the correct password and press "Next".
  • You will receive a one-time password (OTP) via SMS and after entering the correct digits, you will be directed to a new screen where you can enter the login code for the app and confirm it by pressing the "Save" button.
  • Enable fingerprint authentication or select "Skip" to use only the login code for access.
  • The authentication process is complete.
  • When you connect to the myPOS platform on our website, you will see a message that an active notification has been sent to your linked device. After receiving the message, you can accept or decline the connection.
  • You can find more detailed information about the authentication method here here.

• What are the charges for using this service?

  You can find transaction limits and information about fees for using myPOS services here.

• What kind of customer service do you provide?

  myPOS has a Customer Service Center and a 24/7 automated fraud monitoring system. Also a myPOS customer service specialist ready to come to your aid at any time of the day or night.

  myPOS currently provides customer support in English, French, Italian, Spanish, Romanian, Greek, German, Hungarian and Bulgarian.

• How to protect yourself from data theft, data theft using voice tools and other harmful attacks?

  What is data theft?

  Data theft is a social engineering attack in which email The sender of the letter pretends to be a legitimate organization asking to click on the email. link in the email or download an attachment that can be harmful and have serious consequences for both you and your company.

  How can I protect myself from data theft?

  First of all, consider whether the e-mail you received a letter, call or message has been awaited. If not, carefully consider any requests for personal information or immediate action such as clicking a link or downloading a document. Doing so can compromise your device and give unscrupulous individuals access to your personal data. This can negatively affect both you and your company. You can find more information on how to protect yourself from data theft here.