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Notes: This service is only for critical situations where your webshop is down or has serious problems. For regular support, please use our normal support channels.

Redemption agreement

An acquirer agreement is an agreement with a bank or acquirer that gives you the right to accept card payments in your online shop. Without an acquirer agreement, you cannot get money from the customer's card transaction transferred to your bank account.

What is an acquiring agreement?

When a customer pays with Visa or Mastercard in your online shop, the money must be transferred from the customer's bank to yours. The acquirer handles this transfer. An acquirer agreement is your contract with the acquirer that gives you the right to receive card payments and get paid.

The acquirer agreement is a separate link from the payment gateway. The gateway handles the technical transaction (card validation, 3D Secure etc.), while the acquirer handles the financial part (money transfer).

The three parts of online payment

To accept card payments online, you need three things in place:

  1. Payment gateway: Software that handles the transaction technically (e.g. Stripe, QuickPay, OnPay)
  2. Acquiring agreement: Agreement with a bank that authorizes and transfers money
  3. Webshop: Your store that initiates the payment (e.g. Shoporama)

Some modern solutions like Stripe and OnPay combine gateway and acquiring in one package, so you don't have to have separate agreements.

What does an acquiring agreement cost?

The acquiring fee is the main cost and typically consists of:

  • Percentage fee: Typically 1-2% of the transaction amount. Varies depending on card type (Visa/Mastercard, debit/credit, domestic/international).
  • Minimum fee: Some acquirers have a minimum monthly fee that must be paid regardless of turnover.
  • Set-up fee: Some acquirers charge a one-time set-up fee.
  • Monthly fee: A fixed amount for keeping the agreement active.

Additionally, there is a difference between the fee for Danish Dankort transactions (usually lower) and international card transactions (usually higher).

Popular acquirers in Denmark

  • Nets (Dankort): Mandatory for Dankort acquiring in Denmark. Almost all Danish webshops have a Nets agreement.
  • Clearhaus: Danish acquirer specializing in e-commerce with transparent pricing and fast setup.
  • Stripe: Integrated gateway and acquirer with simple percentage-based pricing.
  • Worldline (Bambora): Large international acquirer with a Danish presence.
  • OnPay: Danish solution with integrated gateway and acquiring.

Dankort acquiring

Dankort is the most widely used payment card in Denmark, and as a Danish webshop you should almost always offer Dankort payment. Dankort is redeemed via Nets and there is legislation limiting the fee for Dankort transactions. The card itself is often a Dankort/Visa combo card, and the customer can choose which part is used.

How to choose an acquirer

  • Pricing: Compare percentage fees, flat fees and minimum turnover. Remember to include Dankort acquiring separately.
  • Payout frequency: How fast do you get paid? Daily, weekly or monthly payouts vary between acquirers.
  • Card types: Make sure the acquirer supports the cards your customers use (Visa, Mastercard, Dankort).
  • Integration: Check that the acquirer works with your chosen payment gateway.
  • Binding: Some acquirers have binding periods - be aware of termination terms.

We know online marketing in Shoporama

We've been working with online marketing ourselves for decades. As the only shop system in the country, we have spoken multiple times at conferences such as Marketingcamp, SEOday, Shopcamp, Digital Marketing, E-commerce Manager, Ecommerce Day, Web Analytics Wednesday and many more.

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