Credit Card Payments

Updated 2026-06-01 · 5 min read · auto-translated from he

In order to receive credit card payments from customers, you must obtain a merchant number and a terminal number

Merchant number

UPAY

You can obtain a merchant number without dealing with the credit card company through upay for 1.6% of each transaction. The service does not involve setup fees or a fixed monthly payment. Payment from upay is received in your bank account every two weeks. User setup takes up to 24 hours.

Credit card companies

The credit card companies charge a setup fee of a few hundred shekels, in addition to a certain percentage from each transaction (up to 1.5%)

If there is not enough monthly clearing volume, they charge about NIS 100 per month

Leumi Card

Brands: MasterCard, Visa

Einat Ganon 054-5215128

[email protected]

Isracard

Brands: American Express, MasterCard, Visa, local Isracard

1-800-840-840 ext. 1

Visa C.A.L

Brands: MasterCard, Visa, Diners

5726555- 03

Credit card company requirements:

Filling out a questionnaire, encrypting the payment page on the website using an SSL key (already exists in the system), and displaying the site regulations and terms of use

After completing the questionnaire and presenting all the required details, a meeting will be coordinated with you with a representative of the credit card company to sign the agreements and receive a credit merchant number

Terminal number

After receiving a merchant number from the credit card company/upay, you need to obtain a terminal

The CloudERP system can work with the API of z-credit

The cost of setting up a terminal with Z-Credit is NIS 190 + VAT. In addition, there are fixed monthly subscription fees of about NIS 39 + VAT

Instructions for the terminal setup process:

You must fill out the join form and send it by email to: [email protected] (for any questions regarding the form, you can call: 077-32-33-190):

Form:

https://drive.google.com/file/d/1qhayd3MHfYv1BzSIMgXDfd5A6jWxgoko/view?usp=sharing

You must enter the merchant number we received from the credit card company in the join form (without a merchant number, it is not possible to obtain a terminal)

After receiving the merchant number and terminal number, they must be updated in the CloudERP system, and you can begin clearing through the store or the documents interface in the system

Tokenization

Tokenization is an option for saving the customer’s credit card details without requiring the customer to re-enter the credit card details on a repeat purchase

This service involves storing the credit card details on a special server that complies with the PCI-DSS security standard

In order to enable tokenization, three parties must be updated:

Credit card company: the requirement to enter CVV for transactions must be removed (it is forbidden to store CVV under the PCI standard)
Terminal: adding a tokenization module* (a form must be filled out and sent to Z-Credit)

Form: #https://drive.google.com/file/d/1TO53OI-QQpUTh6jHK60IhohBZH3YvhsB/view?usp=sharing

CloudERP: setting up tokenization for the environment

Tokenization involves an additional payment to Z-Credit of NIS 260 + VAT for setup and a monthly addition of NIS 40 + VAT for the service (the amounts are in addition to the amounts listed above)

Collection without ID/CVV

Usually used for collection from abroad

You must verify through the credit provider (Isracard, Max, etc.) that there is no requirement for ID and CVV

You must ask the terminal provider (Z-Credit [email protected]) to update the parameter file and remove the requirement for ID and CVV

The change also applies to tokenization