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  1. Business customers
  2. Payment card acceptance at retail locations

Payment card acceptance

Use any POS terminal for the first 6 months without rental fee.*

Making a payment with a card using a contactless payment terminal.
Apply Apply for a consultation

Money on the next day

Receive money on the next day, even at weekends and holidays.

POS terminal

First 6 months rental free.*

Great rates

Pay from 0.85% per transaction.

Mobile POS terminal types


Mobile app that allows you to accept contactless payments from cards or other payment devices on your Android phone or tablet

  • Only 0.99% + 0.02 EUR per transaction
  • No monthly rental fee
  • Accept payments at any time or place, no additional device needed
  • Suitable for retailers, craftspeople, beauty specialists, medical practices, couriers, restaurants and food delivery services, taxi and public transport drivers and many others
Apply Apply for a consultation
Find out more
A smartphone with the homepage of the Citadele Phone POS app displayed on the screen.
  • Suitable for all businesses, as it can be used on site as well as on portable sales locations.
  • Integrated camera can be used to scan goods and certificates
  • The POS terminal works both with a SIM card and by connecting to WiFi
  • Provides fast 4G connection
  • Monthly fee 14.50 EUR + VAT
Apply Apply for a consultation
A black Android mobile payment terminal with a green accent at the top, featuring a contactless symbol, and a touchscreen below with sequentially arranged digits to enter the amount.
  • Suitable for all businesses including those who sell off-site, restaurants with tables, delivery of goods and services to customers, etc.
  • Terminal can be used anywhere with mobile internet coverage
  • Monthly fee 14.50 EUR + VAT
Apply Apply for a consultation
A black mobile payment terminal with a screen and buttons, depicted at a slight angle.

Stationary POS terminal types


  • Suitable for small and medium businesses with a permanent retail location
  • Internet connection is necessary
  • Monthly fee 12.99 EUR + VAT
Apply Apply for a consultation
Two black stationary payment terminals with screens and three colorful buttons (red, yellow, green), displayed side by side.
  • Suitable for businesses with a large number of customers which use cash register systems which can integrate with a POS terminal
  • Give the option of speeding up the payment process, no need to enter the amount twice
  • Individual monthly fee
Apply Apply for a consultation
A payment terminal with a screen and buttons, designed for an integrated point-of-sale system and payment processing.
  • Suitable for car parks, parcel machines, petrol stations and similar locations where customers are offered self-service options
  • Card payments are processed without the need for an employee
  • Monthly fee 27 EUR + VAT
Apply Apply for a consultation
A built-in payment terminal with a silver finish, featuring a card insertion slot.

No monthly rental fee for the first 6 months*

S offer

M offer

L offer
Planned turnover for one terminal up to 5000 EUR between 5000 and 10 000 EUR over 10 000 EUR
Card acceptance commission rate 0.90 % + 0.02 EUR 0.90 % + 0.02 EUR 0.85% + 0.01 EUR
Terminal rental fee Free for the first 6 months*
Terminal rental fee after 6 months* From 12.99 EUR + VAT Free for stationary POS terminal**
Receipt rolls Free

S offer

Planned turnover for one terminal up to 5000 EUR
Card acceptance commission rate 0.90 % + 0.02 EUR
Terminal rental fee Free for the first 6 months*
Terminal rental fee after 6 months* From 12.99 EUR + VAT
Receipt rolls Free

M offer

Planned turnover for one terminal up to 5000 EUR
Card acceptance commission rate 0.90 % + 0.02 EUR
Terminal rental fee
Terminal rental fee after 6 months* Free for stationary POS terminal**
Receipt rolls

L offer

Planned turnover for one terminal over 10 000 EUR
Card acceptance commission rate 0.85% + 0.01 EUR
Terminal rental fee
Terminal rental fee after 6 months*
Receipt rolls

The bank reserves the right to change or cancel existing conditions at any time.
* The offer is valid for new and existing customers who sign the contract by 01.12.2025, and is applicable only if the customer has not had an active contract for this service with Citadele in the last 12 months. The discount is granted for a maximum of 3 POS terminals per merchant.
** Other types of terminals according to the price list.

Full service

Everything you need to start accepting payments will be included at no extra cost:

  • POS set-up and technical support
  • POS receipt paper which we will deliver to your retail location
Apply Apply for a consultation

Business portal

A simple business tool to manage transactions and issue e-invoices in one place for free. Using the Business portal, you will be able to:

  • Find out about your customers' shopping habits.
  • Create e-invoices and send them to your customers by email.
  • View and manage your e-invoice payment status.
  • Conveniently view and create financial reports.
Find out more Video instructions

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

What is the tapXphone app and why do I need to download it to start accepting payments?

TapXphone is a certified solution of our partner IBA Group, which turns your phone into a card acceptance terminal and performs the necessary checks for secure payment acceptance with the Citadele Phone POS application. IBA Group is a company certified by card organizations (VISA, Mastercard).

I want to use the application for accepting bank cards with my smartphone in my store. Where should I start?

You should address to Citadele bank and apply for the mobile acquiring service (Citadele Phone POS) activation.

What is the difference between the device initialization and a regular login that I sometimes see on the Application Login screen? Why do I sometimes have to enter the initialization code?

Initialization is a process that provides for downloading the necessary settings to your device, which will allow you to use the “tapXphone” Applications in the future.If your device is suspected not meet the Security Criteria, the application may re-request the initialization process For more information go to the Merchat portal User Guide > Payment Terminal unbinding.

When I bring the card to the smartphone, nothing happens, and after a while, the message "The time for the transaction has expired" appears. Why doesn't the payment go through?

  1. Make sure that the card has a contactless payment feature(marked with an icon)
  2. Make sure the NFC model is turned on on the device.
  3. Make sure that the card is applied to the location of the NFC module of your device. For more information, go to the App “tapXphone” User Guide > Payment acceptance. 
  4. Perhaps the case on your device blocks the signal of your NFC antenna, so remove it and repeat the operation
  5. Make sure that the card is not removed from the field of reading of the NFC module too quickly.
  6. Perhaps the antenna of the card itself is damaged (this is not a rare case, so you can check with the client how their card works on other payment terminals)
  7. The NFC module may be damaged. You can try installing a third-party application designed to read NFC tags (for example, like this), and test the operation of your NFC with the help this application. 
     

Which phone can I install the tapXphone application on?

Before you start using the Application, make sure that:

  • your device is running Android OS v. 10.0 and higher
  • the device has an imbedded NFC module
  • the device has the Google Play Store application installed.

These are the minimum requirements for installing the Application. However, after the Application is installed, the program checks the reliability of your device. If the state of your device does not meet the security criteria, further use of the Application can be restricted.

We have signed the contract with the bank. When will we receive the codes to activate the terminal?

Activation codes are sent to the email as soon as you start the activation process on your mobile device. 
The activation code is sent by email (which is mainly specified in the Application for the Payment card Acceptance Contract and the Card Acceptance Device (POS terminal) Rental Contract).

Why can't I see all my transactions, performed over a period of time in the app on my phone?

In the Application, you can only see the operations of the current (not closed) business day performed on a specific device. In the Merchant's portal, you can see all transactions for any period of interest and for any device, print out reports, track and change the status of your cashiers, disconnect mobile device from one payment terminal and assign to  another device.

When I try accept payment, a message is appeared "Security threat. Overlay the current screen by another application is prohibited. Please close all interfering applications and try again!"

This message occurs due to some culprit applications such as Facebook Messenger, Whatsapp, Viber, Skype, Twilight, Сleaner-master, Drupe or any application that can be an add-on over other applications (i.e. can display something on the screen above all other applications).
Option 1. Just close all applications and then try again. 
Option 2. Uninstall applications such as Clean Master, CCleaner, DU Speed Booster, Go Speed or other applications that are advertised as junk cleaner or mobile device boosters. 
Option 3. Try uninstalling antivirus applications (Eset Nod32 Mobile Security & Antivirus, Kaspersky Internet Security Mobile, etc.).
Option 4. For previously installed applications, you need to disable all permissions that allow to overlay the screen of other applications

  1. Go to "Settings",
  2. select "Apps",
  3. gear icon or,
  4. select Draw Over Other Applications. In different devices (different manufacturers), the name may differ. For example, there may be such options as "Display over other applications" or "Picture in picture". Also, this permission can be found in the "Special Access" section 
  5. disable the screen overlay option for those applications that have it enabled. 
  6. you also need to disable screen overlay permissions for hidden system applications by clicking the "Show system applications" icon, or its equivalent.

Option 5. Go to Settings > Apps > Default Apps > Device assistence app > Analyze on-screen text - disable. In different devices (different manufacturers), the name may differ, but the permission must be disabled for the device assistance app that may to analyze text shown on the screen to provide related content)
Option 6. Turn off all functions (including system ones) related to gesture controls (in some devices, these functions are presented in the "Settings" > "Advanced settings" menu (or the section related to screen settings) > "Full-Screen").
Option 7. Check for updates to the Android operating system for your device and update to the most recent version.
 

Why is the PIN code keypad different from the standard keypad on an ATM or stationary POS terminal?

To enter the PIN code securely, a virtual keypad is used, the buttons of which are arranged in a random order and are of different sizes. The purpose of this decision is to protect the payment card holder that his PIN will not be recognized.

Why I can't install tapXphone application on my smartphone?

It is possible that the characteristics of your device do not meet the requirements for installing the Application. Make sure that:

  • your device is running Android OS v. 10.0 and higher
  • the device has an imbedded NFC module
  • the location of your Google ID corresponds to your region.

Why can't I find tapXphone application in the Google Play Store?

It is possible that the characteristics of your device do not meet the requirements for installing the Application. Before searching for the Application, make sure that:

  • the device is running Android OS v. 10.0 and higher
  • the device has an imbedded NFC module
  • the location of your Google ID corresponds to your region.

When I login to the Citadele Phone POS application, the message "Check the correctness of entered Username or password" pops up. What am I doing wrong?

There may be several possibilities for such a situation to occur:

  1. If you have already activated the payment terminal and replaced the default password for the one of your own, make sure that you enter it.
  2. If there is another cashier who also uses this device, with the same credentials, please check whether he/she has changed the password.
  3. If you forgot the password that you set after activating the application, return the default password in the Merchant's portal. The details are in Merchant portal User Guide > Resetting the Password for the Application.
  4. If your device is already linked to another Merchant (their payment terminal) and is used by them. In this case, you need to disconnect the device from the payment terminal of the "old" Merchant. This feature is available in the Merchant's  portal under the account of the "old" Merchant. For more information go to the Merchat portal User Guide > Payment Terminal unbinding.

If I work at two retail outlets for two different merchants, can I install two applications on my smartphone to accept payments in two locations?

The application can only be installed once per device.
After entering your login details, you will be notified that an incorrect username or password has been entered. In this case, you will have to disconnect the device from the respective merchant (payment terminal) each time and assign the existing device to another merchant's payment terminal. More information in Merchat portal User Guide > Payment Terminal unbinding.

Where is the Citadele Phone POS app for the iOS operating system located?

For now, the application is available only for Android OS v.10.0 or later version.

Why does the password sent in email not work when logging in to the Citadele Phone POS application?

The password received in the email is used to log in to the Merchant's web portal, not to log in to the “tapXphone” application.
If this is the first login to the “tapXphone” Application, then the default Password is your Login (case sensitive). What is used as a Login in your situation is determined by Citadele bank.

Why does the layout of the keypad numbers and the size of the buttons change each time the customer enters the PIN code?

To enter the PIN code securely, a virtual keypad is used, the buttons of which are arranged in a random order and are of different sizes. The purpose of this decision is to protect the payment card holder that his PIN will not be recognized.

Where can I get Citadele Phone POS application for accepting contactless cards with a smartphone?

You can download the app from the „Google Play“ Store - enter the keywords "Citadele Phone POS" as well as "tapXphone" in the search field.

For now, the application is available only for Android OS v.10.0 or later version.

When logging in to the “Citadele Phone POS” application, it says I must enter the initiation code. Where can I get it?

The initialization and activation codes are sent by the system to the Merchant's email address, which are mainly specified in the Application for the Payment card Acceptance Contract and the Card Acceptance Device (POS terminal) Rental Contract. Email address may be different and not the ones you are using on your device at the moment.

Why can't I install the application on another smartphone? I receive a messages like "There are no available terminals for this device". What does it mean?

We can assume that in the application to the Citadele bank you requested only one payment terminal, respectively, your second device cannot activate a payment terminal that does not exist (all are already activated and linked to other devices).
To "move" the payment terminal onto another smartphone, you should unbind the old smartphone from the terminal. This feature is available in the Merchant's portal. For more information, go to the Merchat portal User guide > Payment Terminal unbinding.

How do I unbind my old smartphone in the Merchant portal so I could install tapXphone on another smartphone?

This procedure is described in detail here: Merchat portal User guide > Payment Terminal unbinding.

More questions
What is the tapXphone app and why do I need to download it to start accepting payments?

TapXphone is a certified solution of our partner IBA Group, which turns your phone into a card acceptance terminal and performs the necessary checks for secure payment acceptance with the Citadele Phone POS application. IBA Group is a company certified by card organizations (VISA, Mastercard).

I want to use the application for accepting bank cards with my smartphone in my store. Where should I start?

You should address to Citadele bank and apply for the mobile acquiring service (Citadele Phone POS) activation.

What is the difference between the device initialization and a regular login that I sometimes see on the Application Login screen? Why do I sometimes have to enter the initialization code?

Initialization is a process that provides for downloading the necessary settings to your device, which will allow you to use the “tapXphone” Applications in the future.If your device is suspected not meet the Security Criteria, the application may re-request the initialization process For more information go to the Merchat portal User Guide > Payment Terminal unbinding.

When I bring the card to the smartphone, nothing happens, and after a while, the message "The time for the transaction has expired" appears. Why doesn't the payment go through?

  1. Make sure that the card has a contactless payment feature(marked with an icon)
  2. Make sure the NFC model is turned on on the device.
  3. Make sure that the card is applied to the location of the NFC module of your device. For more information, go to the App “tapXphone” User Guide > Payment acceptance. 
  4. Perhaps the case on your device blocks the signal of your NFC antenna, so remove it and repeat the operation
  5. Make sure that the card is not removed from the field of reading of the NFC module too quickly.
  6. Perhaps the antenna of the card itself is damaged (this is not a rare case, so you can check with the client how their card works on other payment terminals)
  7. The NFC module may be damaged. You can try installing a third-party application designed to read NFC tags (for example, like this), and test the operation of your NFC with the help this application. 
     

Which phone can I install the tapXphone application on?

Before you start using the Application, make sure that:

  • your device is running Android OS v. 10.0 and higher
  • the device has an imbedded NFC module
  • the device has the Google Play Store application installed.

These are the minimum requirements for installing the Application. However, after the Application is installed, the program checks the reliability of your device. If the state of your device does not meet the security criteria, further use of the Application can be restricted.

We have signed the contract with the bank. When will we receive the codes to activate the terminal?

Activation codes are sent to the email as soon as you start the activation process on your mobile device. 
The activation code is sent by email (which is mainly specified in the Application for the Payment card Acceptance Contract and the Card Acceptance Device (POS terminal) Rental Contract).

Why can't I see all my transactions, performed over a period of time in the app on my phone?

In the Application, you can only see the operations of the current (not closed) business day performed on a specific device. In the Merchant's portal, you can see all transactions for any period of interest and for any device, print out reports, track and change the status of your cashiers, disconnect mobile device from one payment terminal and assign to  another device.

When I try accept payment, a message is appeared "Security threat. Overlay the current screen by another application is prohibited. Please close all interfering applications and try again!"

This message occurs due to some culprit applications such as Facebook Messenger, Whatsapp, Viber, Skype, Twilight, Сleaner-master, Drupe or any application that can be an add-on over other applications (i.e. can display something on the screen above all other applications).
Option 1. Just close all applications and then try again. 
Option 2. Uninstall applications such as Clean Master, CCleaner, DU Speed Booster, Go Speed or other applications that are advertised as junk cleaner or mobile device boosters. 
Option 3. Try uninstalling antivirus applications (Eset Nod32 Mobile Security & Antivirus, Kaspersky Internet Security Mobile, etc.).
Option 4. For previously installed applications, you need to disable all permissions that allow to overlay the screen of other applications

  1. Go to "Settings",
  2. select "Apps",
  3. gear icon or,
  4. select Draw Over Other Applications. In different devices (different manufacturers), the name may differ. For example, there may be such options as "Display over other applications" or "Picture in picture". Also, this permission can be found in the "Special Access" section 
  5. disable the screen overlay option for those applications that have it enabled. 
  6. you also need to disable screen overlay permissions for hidden system applications by clicking the "Show system applications" icon, or its equivalent.

Option 5. Go to Settings > Apps > Default Apps > Device assistence app > Analyze on-screen text - disable. In different devices (different manufacturers), the name may differ, but the permission must be disabled for the device assistance app that may to analyze text shown on the screen to provide related content)
Option 6. Turn off all functions (including system ones) related to gesture controls (in some devices, these functions are presented in the "Settings" > "Advanced settings" menu (or the section related to screen settings) > "Full-Screen").
Option 7. Check for updates to the Android operating system for your device and update to the most recent version.
 

Why is the PIN code keypad different from the standard keypad on an ATM or stationary POS terminal?

To enter the PIN code securely, a virtual keypad is used, the buttons of which are arranged in a random order and are of different sizes. The purpose of this decision is to protect the payment card holder that his PIN will not be recognized.

Why I can't install tapXphone application on my smartphone?

It is possible that the characteristics of your device do not meet the requirements for installing the Application. Make sure that:

  • your device is running Android OS v. 10.0 and higher
  • the device has an imbedded NFC module
  • the location of your Google ID corresponds to your region.

Why can't I find tapXphone application in the Google Play Store?

It is possible that the characteristics of your device do not meet the requirements for installing the Application. Before searching for the Application, make sure that:

  • the device is running Android OS v. 10.0 and higher
  • the device has an imbedded NFC module
  • the location of your Google ID corresponds to your region.

When I login to the Citadele Phone POS application, the message "Check the correctness of entered Username or password" pops up. What am I doing wrong?

There may be several possibilities for such a situation to occur:

  1. If you have already activated the payment terminal and replaced the default password for the one of your own, make sure that you enter it.
  2. If there is another cashier who also uses this device, with the same credentials, please check whether he/she has changed the password.
  3. If you forgot the password that you set after activating the application, return the default password in the Merchant's portal. The details are in Merchant portal User Guide > Resetting the Password for the Application.
  4. If your device is already linked to another Merchant (their payment terminal) and is used by them. In this case, you need to disconnect the device from the payment terminal of the "old" Merchant. This feature is available in the Merchant's  portal under the account of the "old" Merchant. For more information go to the Merchat portal User Guide > Payment Terminal unbinding.

If I work at two retail outlets for two different merchants, can I install two applications on my smartphone to accept payments in two locations?

The application can only be installed once per device.
After entering your login details, you will be notified that an incorrect username or password has been entered. In this case, you will have to disconnect the device from the respective merchant (payment terminal) each time and assign the existing device to another merchant's payment terminal. More information in Merchat portal User Guide > Payment Terminal unbinding.

Where is the Citadele Phone POS app for the iOS operating system located?

For now, the application is available only for Android OS v.10.0 or later version.

Why does the password sent in email not work when logging in to the Citadele Phone POS application?

The password received in the email is used to log in to the Merchant's web portal, not to log in to the “tapXphone” application.
If this is the first login to the “tapXphone” Application, then the default Password is your Login (case sensitive). What is used as a Login in your situation is determined by Citadele bank.

Why does the layout of the keypad numbers and the size of the buttons change each time the customer enters the PIN code?

To enter the PIN code securely, a virtual keypad is used, the buttons of which are arranged in a random order and are of different sizes. The purpose of this decision is to protect the payment card holder that his PIN will not be recognized.

Where can I get Citadele Phone POS application for accepting contactless cards with a smartphone?

You can download the app from the „Google Play“ Store - enter the keywords "Citadele Phone POS" as well as "tapXphone" in the search field.

For now, the application is available only for Android OS v.10.0 or later version.

When logging in to the “Citadele Phone POS” application, it says I must enter the initiation code. Where can I get it?

The initialization and activation codes are sent by the system to the Merchant's email address, which are mainly specified in the Application for the Payment card Acceptance Contract and the Card Acceptance Device (POS terminal) Rental Contract. Email address may be different and not the ones you are using on your device at the moment.

Why can't I install the application on another smartphone? I receive a messages like "There are no available terminals for this device". What does it mean?

We can assume that in the application to the Citadele bank you requested only one payment terminal, respectively, your second device cannot activate a payment terminal that does not exist (all are already activated and linked to other devices).
To "move" the payment terminal onto another smartphone, you should unbind the old smartphone from the terminal. This feature is available in the Merchant's portal. For more information, go to the Merchat portal User guide > Payment Terminal unbinding.

How do I unbind my old smartphone in the Merchant portal so I could install tapXphone on another smartphone?

This procedure is described in detail here: Merchat portal User guide > Payment Terminal unbinding.

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