Choose a simpler and more profitable payment option to better suit your customers' needs. Our business partners are offered the most favourable business conditions for accepting American Express, Mastercard, UnionPay International and Visa International cards.
Best deferred payment options for buyers
We know it's essential to have several payment options to optimize our customers' buying experience.
That's why we've enabled various forms of payment. With this selection of options, cardholders can easily purchase whatever they want and receive the most favourable financing models.
Instalment payments without interest and fees and consumer loans will improve your business offer and increase customer spending.
- Instalment payment without interest and fees:
- for users of Premium Visa cards issued by PBZ Card
- for current account PBZ Visa Inspire card users
- PBZ consumer loans with repayment via PBZ Card Premium Visa cards:
- for personal card users from 24 to 60 instalments
- for business card users from 3 to 24 instalments.
*As of July 1, 2021, the use of consumer loans of Privredna banka Zagreb d.d. has been temporarily suspended with repayment via Premium Visa personal cards. Learn more at the link.
Higher quality, simple and profitable
By constantly expanding the offer of programs and services, we are continually improving the card business and increasing the number of users. Just as importantly, we offer a variety of technical solutions that can ease your everyday operations and bring savings.
- Business Account - an online service that enables insight into business data and card transactions of all points of sale using American Express, Maestro, Mastercard, UnionPay International and Visa cards
- LAN (network) solutions for large centers
- application for connecting the POS terminal with the cash register at the point of sale
- contactless payment
- payment via virtual POS for private renters
- DCC (dynamic currency conversion)
- special integrations (payments through mobile applications, integrations and reporting through Web Services, integration with CRM and booking systems, etc.)
- compensation of expenses from the turnover of the point of sale for users of Visa Business Gold/Platinum Business cards
- access to the highest quality base of credit and debit card users in joint marketing campaigns.
What is DCC?
Dynamic Currency conversion service (DCC) at the POS terminals of Nexi Croatia allows for cardholders of international card schemes, and which are issued by card issuers from outside of the Republic of Croatia, to choose the currency of debiting the transaction expense.
When conducting a transaction, the EFT POS device automatically recognizes the currency of the card and offers payment in the local currency of the cardholder i.e. a “conversion”.
When paying, the cardholder decides whether he wants to make the transaction as a DCC transaction with the amount and conversion rate in their home currency displayed or to use the local currency in Republic of Croatia, the euro, later converted through international card schemes.
The choice of currency, i.e. payment in euros or in the currency to which the card is linked, is confirmed by simply selecting a button on the POS terminal.
A transaction receipt (slip) printed out for the client on the POS indicates the amount of the transaction in EUR and in the client’s home currency.
Advantages of DCC?
Advantages for cardholders are:
- Familiar home experience - customers can pay in the currency they are used to.
- Fully transparent costs- no additional bank fees or international transaction costs.
- Locked-in exchange rate - Exchange rate locked in at the point of purchase.
How is the DCC exchange rate calculated for the transaction?
The amount of the exchange rate for a DCC transaction is calculated as the ratio of the buying rate for Privredna banka Zagreb d.d. for the chosen currency, in relation to the latest reference exchange rates of the European Central Bank for the euro, and is displayed as information in percentage points (%) - on the Privredna banka Zagreb d.d. website as part of the DCC exchange rate list for POS transactions.
Valid DCC POS exchange rates on a particular day are available here: PBZ DCC list (PBZ DCC list).
Which currencies are offered?
The service is supported for 13 currencies (AUD, CAD, CZK, DKK, HUF, JPY, NOK, SEK, CHF, GBP, USD, BAM, PLN) and exchange rates are automatically updated on the POS terminal.