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Customer Service
(Monday - Friday
from 08.00 A.M. till 06.00 P.M.)

e-mail:

Hotline:
0 801 500 207
(+48) 22 545 55 55

If you have any further questions regarding the product, please contact us. We will make every effort to respond to your questions as soon as possible.

Inkart

Inkart is a system that allows clearing of card
transactions executed locally between card issuers
and acquirers operating in Poland.

The system is designed for clearing of card transactions made with payment cards issued by card issuers operating in Poland at service and sales points, ATMs and other devices located throughout Poland and supported by acquirers operating on the Polish market.

Inkart allows clearing of card transactions made in PLN with cards issued under the Visa and MasterCard systems. Its design allows the extension of the supported card systems to include other systems that operate on the Polish market or that may be developed in the future.

Payment card issuers and acquirers operating in Poland may be the participants of the Inkart system.

The Inkart system offers the following services:

  • basic service – clearing and settlement of card transactions,
  • supporting services:
    - authorization message routing (switch),
    - STIP authorization (for card issuers).

The system also provides support for handling complaint processes for card transactions through a dedicated tool available to the participants.

Benefits of joining the Inkart system:

  • security – the Inkart system is supervised by the National Bank of Poland (KIR has received an approval from the NBP President to operate the Inkart payment system) and has obtained certifications required by card organizations for the processes supported by the system, including certifications of compliance with the security standard for card data – PCI DSS,
  • reliability – the adopted technical and functional solutions guarantee high performance and reliability of the processes supported by the system,
  • trust – the system is operated by KIR – an institution of the Polish banking sector infrastructure, which has been providing transaction clearing services for 25 years,
  • cost optimization – based on the accepted principles of operation, Inkart allows the participants to optimize operating costs related to the clearing of card transactions,
  • streamlining of the process of clearing and settlement – the clearing and settlement model of the Inkart system based, among other things, on the Elixir system, automates and accelerates the process of payment clearing between the participants of the system,
  • flexibility – Inkart is adapted to the requirements of the local market, compliant with regulations of card organizations and ensures adaptation to regulatory changes as well as the needs of entities operating on the Polish market,
  • convenience – the system is designed to handle cards processed in different payment systems and clear various types of card transactions, using a single channel of communication with the participant.

As part of the strategy of development of payment clearing services for the banking and financial sector, KIR has developed and implemented Inkart, a card payment system. Services related to clearing of card transactions executed locally based on the new system are addressed to card issuers and acquirers operating on the Polish market and cover transactions conducted at service and sales points, ATMs and other devices located in Poland.