If you need more information, instructions, forms, etc. or if you encounter problems with one of our devices, you will find almost all the answers to your questions in the following points!
What is PartnerNet?
The hobex PartnerNet serves as a tool for an easy-to-follow overview of the transacted sales. Just one day after transfer of the data to the data processing centre, you can retrieve the sales transacted via the terminal and process your analyses or monthly statements for the bookkeeping. This additional service is free of charge to registered hobex partners and, needless to say, protected by a password.
Card payment security.
3-D Secure (collective term for secure payment processes such as Visa Secure and MasterCard SecureCode) is a process which is used for extra security in online credit card transactions. Your customers are automatically redirected to a secure page of the issuing bank and have to confirm their payment there by inputting a password. The actual online authorization is subsequently provided. A chargeback with the argument "Transaction not executed" (liability reversal) is then no longer possible for your customers. This also functions when the customer's bank is not a participant in the Visa Secure and MasterCard SecureCode security procedures.
3-D Secure offers
- Protection against fraudulent card use
- Reduction in legitimate chargebacks as the result of "Transaction not executed"
- Increase in payment security
- Simple integration of the merchant
- Plugin for secure data transmission to the card organization / issuing bank
- 3D Secure protects the merchant against chargebacks in which the customer states that they did not make the payment.
Accepted payment methods
Credit card payment is one of the most popular payment methods worldwide. The amount is transferred immediately, but will only be debited at month end. As a matter of course this payment option is also available on our terminals with the following providers accepted:
- Union Pay International
- Diners Club & Discover
- American Express
Shopping or payments by a debit card or direct debit – we make it possible.
Your clients confirm the deal, and their account is debited either immediately or shortly thereafter. The following debit cards are accepted:
- V PAY
- direct debiting
A hassle-free solution for all occasions: payment by smartphone. The card data is stored in the app and the purchase or bill is paid simply via authorization in the mobile phone. The following payment services are involved:
- Apple Pay
- Samsung Pay
- Garmin Pay
- and several more
Contactless payment (NFC)
hobex NFC terminals mean that queues at the checkouts are a thing of the past. Cardholders with MasterCard, VISA or American Express do not have to enter the PIN or sign for small amounts up to 50 euro. All they have to do to make the payment is hold the card in front of the scanner at the terminal. Then wait for confirmation - done. The complete payment process takes less than two seconds! PIN input and signature are only required for payments of more than 50 euro.
With hobex DCC, your payment terminal automatically identifies cards from outside the European currency area and asks your guests if they would like to pay in their usual local currency. Your advantage: you receive a commission for each DCC payment which minimizes your card charges – we call this cashless payment. Your customers profit from the convenient payment in local currency and the best exchange rate offer of the day. Possible currencies (extract): Danish krone, British pound, US dollar, Swiss francs, Japanese yen, Russian rouble.
The free additional service "TaxFree" offers your customers from non-EU countries a quick and easy way to obtain a VAT refund. Your customers thereby gain a price advantage. Our partnership with Planet provides the trading companies with key advantages: the customer's credit card data is used to determine whether the customer is entitled to a VAT refund. The transaction is then transferred electronically. The manual filling in of receipts is no longer necessary. These are printed out directly and the businesses can thereby avoid annoying delays at the POS.
Apart from the extensive range of POS terminals, PIN pads or eCommerce solutions as well as the accounting of all generally used card products on these terminals, hobex also offers you innovative and simple solutions which enable you to complete your bookkeeping for the hobex card transactions with little effort.
hobex generates a CSV file of your transactions every day, which you can easily retrieve by means of SFTP and your accounting software. Our employees will be pleased to help you with any questions on the subject of automated bookkeeping with hobex, the hobex PartnerNet or matters of cashless payment transactions on +43 662 2255-0.
The hobex gratuity function allows you to add a gratuity to the bill easily and automatically. Your guest can therefore easily have a gratuity debited in a card payment. You or your waiter only have to press a button on the terminal and enter the desired amount. Your guests will appreciate this service.
Interchange or Multilateral Interchange Fees (MIFs) are the part of the discount which credit card organisations retain and are paid by the bank which issued the card. These fees vary depending on the type of card, country of origin and type of transaction (NFC, chip, magnetic stripe, MO/TO). MIFs for European consumer cards are regulated as standard with the help of EU regulation 2015/751.