Payments and Cash Management
Receiving the proceeds from the sale of goods and services securely and efficiently is fundamentally important for your business in order to improve cash flow and utilise financial resources to the optimum.
- How we can help you:
In today’s fast moving times, businesses strive to receive payment in the most cost-effective manner that allow them to receive proceeds directly into their bank accounts
Whatever the nature of your business, HSBC offers dedicated payment solutions that will help you to achieve this aim - Cards Acquiring
Through HSBC Business Banking we offer Point of Sale (POS) terminals and Online Payments (eCommerce), enabling payment for goods and services to be settled by Debit and Credit Cards. Transactions are processed electronically and cleared funds automatically credited to your account on the next business day. This automatically improves your cash flow, enabling you to manage any overdraft or credit funds more efficiently.
Electronic Point of Sale Terminals (EPOS)
In your business, time is money and our EPOS terminals may assist on both counts.
- If you wish to offer your clients a fast and efficient method of settling payment for goods and services.
- If you want to be able to accept all major cards (in particular Visa and Mastercard) as well as Diners Cards.
- If you want to enjoy the benefits of the latest anti-fraud features - Chip and PIN.
eCommerce
Consumer demand to purchase goods and services via the internet continues to expand at a rapid pace. With changing lifestyles and time constraints, a good number of consumers prefer online shopping to traditional shop visits – so by offering this additional delivery channel you stand to reach out to more customers both in Malta and abroad.
So, this service is for you :
- If you seek to offer your customers a secure, efficient way of cards payment
- If you wish to improve your cash flow and competitiveness.
Electronic Point of Sale Terminals (EPOS)
- Simplicity
We’ll provide you with the most suitable terminal for your business that is compact and easy to use. - Speed –
A quicker, smoother way to process card transactions leaving you more time with your customers. Transaction proceeds (net of our processing commissions) are credited to your account on the next business day. - Security –
Reduced cash handling and therefore more security. Reducing the number of cheque payments handled also reduces the possibility of receiving unpaid cheques. - Convenience –
As well as an electronic solution you will be provided with a start-up pack containing easy-to understand operating instructions, a back-up manual facility and in-store display material. In additional to our standard electronic card processing service, we can, by our approval, also support you with any of the following needs:
- Recurring transactions.
- Pre-authorised transactions (eg for hotel check-in/check-out).
- Multi-currency card processing.
- Portable and/or mobile terminals.
- Fully integrated banking
If your business banking is with us, you will be able to take further advantage of a seamless service that is supported by our trained staff.
eCommerce
- Simplicity
Once your eCommerce system has been set up, it would be a simple matter for your clients to access your website, view their requirements, and arrange to pay online by quoting their card number and CVV security code. - Speed
eCommerce provides a quicker, smoother way to process card transactions leaving you more time to attend to your clients’ requirements. - Convenience
Besides offering 24-hour access, eCommerce allows your clients to view and purchase your goods and services from the convenience of their homes. If you seek to quote prices other than EUR, we also offer multi-currency card processing in GBP/USD. - Fully integrated banking
Provided your business banking is with us, you will be able to take further advantage of a seamless service that is supported by our trained staff.
