Your digital payments program: Mastercard POSÍ
Support program for small and medium-sized businesses with physical stores, providing POS equipment/RaiPOS free for 12 months and 0% commission on card transactions up to an annual limit, according to the sector of activity starting from May 1, 2025.
Your digital payments program
This program is designed to help new merchants who have not used POS devices or RaiPOS, offering a simple, secure and low-cost way to accept electronic payments.
Benefits:
Participating businesses will benefit from the following advantages for a 12-month period after signing an agreement with the bank:
- POS terminal / RaiPOS offered free of charge for a 12-month period
- 0% commission on all card transactions, up to the annual limit determined by sector:
- € 19,000 per year for Groceries
- € 24,000 per year for Hotels
- € 15,000 per year for Restaurants & Cafes
- € 2,000 per year for Taxi
- Flexibility: withdraw from the program without penalty at any time
Who can apply?
- Business operating with a physical store in Albania
- Active in the sectors: Grocery, Hotels, Restaurants, Bars & Cafes, Taxi
- “New-to-POS” businesses, meaning they have not previously had a contract or POS equipment or RaiPOS with any bank in the market
Important conditions:
- The merchant can only sign an agreement with a participating bank
- Can only benefit from one POS device or RaiPOS free (Each different MCC counts as a separate merchant)
- At least 4 Mastercard transactions every quarter to remain active in the program
- After exceeding the maximum annual volume, the commissions specified in the contract are applied
December 2024: Mastercard Advisors Research Center (ARC) study
Among businesses that already use POS, 83% operate directly with the consumer and have a positive outlook for their future growth. The study shows that 82% of businesses that use POS expect to expand, while 21% have seen a moderate increase in revenue (15-25%) since implementing card payments. 51% of businesses that do not yet use POS are considering adoption in the near future, driven by the desire to offer more payment options, improve the customer experience and increase efficiency. The greatest interest comes from supermarkets (64%), accommodations (60%), restaurants (58%) and grocery stores (56%).
Program period
The program starts on May 1, 2025 and will last until the distribution of 4,750 POS terminals / RaiPOS new or until April 30, 2026, whichever comes first
What happens after the program ends?
The device can be returned without penalty or the merchant can proceed with commercial terms agreed with the bank
Program Purpose
- Support for the digital development of SME clients
- Increasing sales through card payments
- Strengthening relationships with new merchants
- Increasing efficiency, security and customer loyalty
Apply for Mastercard POSÍ
Fill in the fields below to benefit from the Mastercard POSÍ program in collaboration with Raiffeisen Bank