Activation & Regulations
Credit Card Rules: Guidelines for configuring and managing credit card payments via Pay.nl
Activating a credit card: requirements
If you want to activate a credit card, you must ensure that:
- All required documentation has been submitted for a compliant file;
- Your file has been reviewed and accepted;
- Your contact details, including your Chamber of Commerce (KVK) number, are listed on the website;
- You have provided an email address and phone number for consumer inquiries in your merchant account;
- You have published your terms and conditions, which comply with applicable laws and regulations, on your website.
Status of your boarding application
Boarding status overview
Make sure that for every sales location you register with Pay., you choose the correct category and provide a clear description of your offering: what you sell and to which target audience. Pay. will then classify your application into one of the thousands of
Merchant Category Codes (MCC).
An incorrect MCC code can lead to:
- An incorrect description on your customer's statement;
- A lower success rate for payments (more declines);
- Possible fines from the credit card companies.
If a sales location is rejected for credit card payments because your website does not comply with the rules above, a review fee of €50,- will be charged each time.
Important documents
| Document | Description |
|---|---|
| VISA rules and regulations | Rules for the use of VISA credit cards |
| Mastercard rules and regulations | Rules for the use of Mastercard credit cards |
| Mastercard security rules & procedures | Safety rules for the use of Mastercard credit cards |
Unlike other payment methods, credit cards are not immediately available. Your webshop must first be approved by our credit card acquirer. After approval, you will receive a notification and can accept payments via Mastercard.
Tracking boarding status
You can track the status of your boarding via the overview of Sales Locations. For each sales location, you will find a button "Outstanding boarding status". Click this to see an overview of outstanding boardings and their current status.
Important: Allow for 1–2 weeks before your credit card connection is fully active.