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Payments

Below is information you need to know before you start accepting payments.

Countries and currency​

You can accept payments in euro from any country except those mentioned in the list below.
Minimum transaction amount: €10
Maximum transaction amount: €1,000

Countries/regions you cannot accept payments from
  • Afghanistan
  • Belarus
  • Canada
  • Central African Republic
  • Crimea, Donetsk, Luhansk (Ukraine)
  • Cuba
  • DR Congo
  • Iran
  • North Korea
  • Mali
  • Myanmar
  • Sudan (North)
  • Syria
  • UK
  • US
  • Venezuela
  • Yemen
  • Zimbabwe

Parameters you need to pass when accepting a payment

Types of cards accepted globally​

  • Mastercard
  • Visa

Please check with your Account Manager whether or not the cards below are available for accepting payments.

  • Discover
  • JCB

Types of cards accepted locally​

  • Brazil: American Express, ELO
  • Chile: American Express, CMR, Mach
  • Colombia: Diners Club, Maestro Debit, Codensa
  • India: American Express, Diners Club, Maestro Debit, RuPay
  • Indonesia: American Express, Maestro Debit, JCB
  • Mexico: American Express, Carnet Credit, Carnet Debit
  • Nigeria: Verve
  • Thailand: UnionPay, Diners Club, JCB
  • Türkiye: American Express, Maestro, Discover, Troy
  • Vietnam: Napas

Payments you can make​

Currently, the following payments are available:

Merchant of Record​

Smart Glocal can act as the Merchant of Record (MoR) for your business.

In the MoR model, Smart Glocal acts as the legal seller of record for each transaction, taking end-to-end financial and legal responsibility.

Smart Glocal handles:​

  • Transaction execution: processing payments, issuing confirmations, and generating receipts for your customers
  • Tax and compliance: tax registration, accurate collection, and remittance in confirmed jurisdictions
  • Post-sale management: risk management, chargebacks, disputes, and payment-related customer support

You retain:​

  • Full ownership of your product and the customer relationship
  • Net revenue (after settlement)

This way you avoid the heavy compliance infrastructure and legal overhead typically required for cross-border selling.

Currently, the MoR model only applies to the sale of products subject to VAT at the standard rate.

Payment parameters you need in the MoR model

PCI DSS compliance​

You can pass card details with open parameters or use our payment widget. In both cases, you must comply with the PCI DSS requirements.

Card identifier​

To enable this functionality, please contact your Account Manager at Smart Glocal.

If you do not store bank card details on your side and you need to understand which card the user is using and whether users' cards overlap, you can use the card identifier feature.

If you have multiple projects (X-PARTNER-PROJECT), a card identifier may be the same or different for each project. Please inform your Account Manager which option you prefer.

A card identifier is unique and is generated based on the card number and its expiration date. Its value is passed in the new parameter card_id. This parameter can be passed during payments, recurring payments, and refunds.

A card identifier can not be used for making payments or for getting all linked cards.

A card identifier is not a replacement for a token—if you use a token, you will receive both.

Prices​

The prices for acquiring are given in your agreement with Smart Glocal. You can discuss them with your Account Manager.