Chip Card

What Is Chip Card

Chip Card is a Serbia-based payment services provider that offers eCommerce acquiring, payment processing, POS and SoftPOS acceptance, and an electronic money solution for merchants. The company operates in Serbia and the region and reports over 20 years of experience. Chip Card highlights scale and reliability metrics, including 300 plus transactions per second, more than 48 million transactions per month, 1,700 plus ATMs, and 51,200 plus POS terminals on its processing system. As a licensed e-money institution, Chip Card provides services for online acceptance and settlement to merchants, along with a wallet-based eMoney product.

Chip Card at a Glance

• Business lines include payment transaction processing for banks and payment services for merchants, such as eCommerce and POS integration.

• Licensed as an e-money institution by the National Bank of Serbia in 2021 for eMoney issuance and card acceptance at online points of sale.

• Supports domestic DinaCard and international card brands such as Visa, Mastercard, and UnionPay.

• Advertises PCI DSS compliance, 3D Secure v2 for online transactions, and multiple ISO certifications for security, quality, business continuity, and privacy.

• Provides contact centre support on a 24 by 7 by 365 basis.

Core Capabilities for Merchants

eCommerce Acquiring

Chip Card provides card acceptance for web stores and mobile apps. Key capabilities called out on the website include:

• 3D Secure v2 with one-time passwords sent by SMS to authenticate online cardholders.

• Card on file to store buyer card details in a PCI DSS certified environment, which enables faster repeat purchases.

• Recurring payments for subscription and membership scenarios.

• No-redirect option where payment data is captured on the merchant web shop and securely transmitted.

• Google Pay and Apple Pay enablement for web and in-app checkout.

• Client-Side Encryption and Hosted Payment Page options for integration, depending on the merchant’s technical approach.

• Video identification and remote contracting to complete onboarding steps online in about 20 minutes, where offered.

PayByLink

For merchants without a web site or needing quick remote collection, Chip Card offers PayByLink:

• Merchant generates a secure payment link from a profile interface and sends it to the customer.

• Customer lands on Chip Card’s hosted payment page to enter card details and confirm payment.

• The site states funds are transferred to the merchant account within two working days for PayByLink transactions.

• Security controls described include SSL encryption, PCI DSS adherence, 3D Secure authentication, and real-time transaction monitoring.

POS, mPOS, and SoftPOS

Chip Card supports in-person acceptance across several channels:

• POS and mPOS including Android-based devices integrated with merchant cash register applications.

• SoftPOS acceptance of contactless cards on standard Android devices, suitable for micro and mobile sellers such as couriers or taxi fleets.

• ATM and POS network integration with acceptance network management and monitoring.

• Dynamic Currency Conversion as an add-on for POS and ATM transactions, allowing foreign cardholders to be debited in their local currency.

eMoney Acceptance

Chip Card’s eMoney solution provides a wallet-based method that merchants can accept online and at physical points of sale:

• Users fund an eMoney wallet and pay at POS terminals and eCommerce sites.

• The E BLINK application is positioned as the wallet interface for balance, top-ups, and merchant discovery.

Supported Card Brands and Digital Wallets

• Card brands mentioned include DinaCard, Visa, Mastercard, and UnionPay, with the note that other brands can be supported based on client requests.

• Digital wallets include Google Pay and Apple Pay integrations for web, app, and in-store where applicable.

Security, Compliance, and Certifications

Chip Card states that it operates within a PCI DSS certified environment for handling card data. For online transactions, the provider emphasizes 3D Secure v2 authentication with OTP by SMS. The company also references compliance with a set of ISO standards, including ISO 27001 and ISO 27701 for information security and privacy, ISO 22301 for business continuity, ISO 20000 for IT service management, ISO 9001 for quality management, and ISO 14001 for environmental management. The processing site additionally lists PIN security as part of adherence to industry standards. These claims indicate a control framework aligned with international benchmarks for payment and information security.

Integration Models

Merchants get several integration paths, which can be matched to risk and effort:

• Hosted Payment Page where card entry happens on Chip Card infrastructure.

• Client-Side Encryption for embedding card capture in the merchant checkout while encrypting sensitive fields before transmission.

• API options for PayByLink are not publicly documented on the site, but PayByLink usage is described through a merchant portal workflow.

• 3D Secure v2 flows are handled by Chip Card to provide authentication and issuer OTP challenge where required.

Operational Features

• Fraud and Risk Monitoring operates in real time and is described as configurable across multiple misuse parameters for ATM, POS, and eCommerce.

• Contact Centre support is listed as 24 by 7 by 365 for incident handling and merchant assistance.

• Performance and availability are highlighted by the processing capacity figure of 300 plus transactions per second, and the company cites high availability in line with card network expectations.

• Network services include dynamic currency conversion and advanced electronic transaction handling for multifunction terminals.

Onboarding and Documentation

For eCommerce and POS acceptance, Chip Card provides downloadable materials for starting cooperation, such as general business terms, privacy notices, and questionnaires for different customer types. The eCommerce page includes a form that asks merchants to select the desired acceptance model such as standard website payments, PayByLink, recurring payments, card on file, or the CSE model. The site also offers video identification to complete contracting remotely. These materials suggest a structured onboarding process aligned with local regulatory requirements for payment institutions and eMoney issuers.

Merchant Suitability and Typical Use Cases

Based on public features, Chip Card may fit:

• Small businesses and service providers that need to start selling quickly using PayByLink while avoiding a full web shop build.

• Subscription and membership models that benefit from recurring payments and stored cards.

• Mobile and micro merchants such as delivery services and taxis using SoftPOS or mPOS.

• Merchants targeting domestic and regional buyers with DinaCard support in Serbia, alongside Visa, Mastercard, and UnionPay for international buyers.

• Enterprises that value formal security posture with PCI DSS and multiple ISO certifications and require 24 by 7 support.

Conclusion

Chip Card provides a combined eCommerce, POS, and SoftPOS acceptance offering with card-on-file, recurring payments, PayByLink, and wallet integrations such as Google Pay and Apple Pay. The provider presents a mature security posture and broad ISO certification set, together with PCI DSS compliance and 3D Secure v2. Pricing and general settlement terms are not published, so merchants should engage Chip Card for a tailored commercial proposal and confirm operational details during onboarding.