WE … process payments at the POS or online

Not secure enough or too expensive – existing payment systems frequently fail to meet the needs of the retail industry. That is why DZB BANK, with its DZB Cash division, takes charge exactly at the point when the decisions are made in business: when the customer pays.

DZB Cash: doing business without cash

DZB Cash provides independent solutions for the POS. The trade is provided with affordable, secure and pragmatic payment solutions – whether in traditional brick-and-mortar businesses or in modern “online outlets” via the ePayment solutions. With a strong focus on the customer, systematic cost optimisation and complete security, DZB Cash offers the trade an optimal portfolio:

  • The DZB payment guarantee as a blended approach to optimise payment processing
  • A wide range of additional payment methods (credit cards, vouchers, loyalty cards)
  • Direct access to a personal point of contact
  • Framework agreements for trade cooperatives

Secure card transactions  

With the DZB payment guarantee, DZB Cash offers additional, decisive added value for the trade when it comes to cashless payment systems, in addition to the standard payment methods:

  • Secured debit card payments at a rate of 0.2% (plus VAT)
  • 100% security against defaults
  • 100% cost control, as DZB BANK handles the dunning and collection processes
  • Credit of the daily sales to the principle bank (via bank transfer)
  • Special condition models for partners
  • Elimination of the direct debit obligations that affect liquidity at the principle bank
  • No returned direct debits to the principle bank account

Secure online payments

Online trading can represent competition for traditional retailers – or an area in which they successfully further develop their own businesses. DZB Cash | ePayment provides advice, support and comprehensive, affordable solutions for secure payment transactions in online trading:

  • Solutions for individual shops or central offers for all members
  • Support for integration into existing systems 
  • No certification effort for the shop owner
  • Payment guarantees
  • Processing of all common payment methods