Słownik
Słownik.
Słownik brytyjskich terminów płatności kartą i finansów SME w języku polskim. Każdy termin zawiera polską etykietę, oryginalny brytyjski termin angielski oraz definicję. Słownik ten jest spójny ze stroną angielską /glossary/ i rumuńską /ro/glossary/. Każdy termin ma odnośnik krzyżowy do kanonicznego wpisu angielskiego dla pełnej definicji prawnej.
- Operator rozliczeniowy / agent rozliczeniowy
- EN Acquirer
- EN A UK-licensed institution that settles card transactions into your business bank account. In the UK examples include Worldpay, Barclaycard, takepayments, Dojo. SumUp, Zettle, Square are payment facilitators (different licence).
- Facylitator płatności (PayFac)
- EN Payment facilitator (PayFac)
- EN A UK-licensed entity that aggregates many small merchants under one master acquiring relationship. Faster onboarding (often same day), simpler pricing, but typically slightly higher transaction fees than a direct acquirer. SumUp, Zettle, Square, Stripe.
- Zaliczka z utargu (MCA)
- EN Merchant cash advance (MCA)
- EN A lump sum advance repaid as a fixed percentage of your daily card takings. Typical term 6-18 months. Outside the FCA perimeter for limited companies (inside for sole traders under £25k).
- Wycena interchange-plus
- EN Interchange-plus pricing
- EN A pricing model where the acquirer charges you the raw card-scheme interchange fee plus a transparent fixed margin. The opposite is blended pricing (one rate covers all card types). Interchange-plus is usually cheaper at volume, harder to compare at low volume.
- Brytyjski rejestr spółek (Companies House)
- EN Companies House
- EN The UK government register of all incorporated companies. Every UK Ltd has a unique 8-character company number. Banks, acquirers, and lenders verify your business identity through Companies House before opening any account or facility.
- FCA, brytyjski regulator finansowy
- EN FCA (Financial Conduct Authority)
- EN The UK regulator for financial services. Lenders to consumers and sole traders under £25k must be FCA-authorised. Lending to UK limited companies is largely outside the FCA perimeter by design, this is not a warning, it is the structure of UK commercial lending.
- Obciążenie zwrotne (chargeback)
- EN Chargeback
- EN When a cardholder disputes a transaction and the card scheme reverses the funds from your bank account. You can defend a chargeback with evidence. Persistent chargeback ratios above 1% can suspend your merchant account.
- Tap to Pay na iPhonie
- EN Tap to Pay on iPhone
- EN A feature that turns an iPhone into a card terminal, no separate device needed. Available in the UK via SumUp, Stripe, Square, and Tap on Phone partners. Accepts contactless Visa, Mastercard, Amex, Apple Pay, Google Pay.
- Bounce Back Loan (BBL)
- EN Bounce Back Loan (BBL)
- EN UK government-backed COVID-era loan scheme. Closed to new applications. Refinancing an existing BBL onto a commercial facility is possible with the right lender, particularly when interest-only term ends.
- Pre-settled status (status tymczasowego rezydenta)
- EN Pre-settled status
- EN A UK immigration status for EU citizens with under 5 years UK residence. Most UK SME lenders accept pre-settled status holders as directors provided the company has 6+ months UK trading. A minority require settled status.
- Faktoring / finansowanie faktur
- EN Invoice finance
- EN A facility that advances cash against unpaid B2B invoices, usually 70-90% of invoice value within 24 hours, balance on customer payment minus a fee. Two variants: factoring (lender collects from your customer) and invoice discounting (you collect, customer never sees lender).
- PSD2 / silne uwierzytelnienie klienta (SCA)
- EN PSD2 / Strong Customer Authentication (SCA)
- EN UK and EU regulation requiring 2-factor authentication on most online card transactions over £30. Adds a 3D Secure step (PIN or biometric). Reduces fraud but adds checkout friction. Exemptions exist for low-value, recurring, and trusted-merchant transactions.
- BLIK
- EN BLIK
- EN A Polish mobile payment scheme (in-app code authentication). Not currently supported in-store by any UK acquirer. Polish customers in the UK pay with their Polish Visa/Mastercard or Apple Pay / Google Pay backed by a PL card.
Po co publikujemy ten słownik
Polskie słownictwo finansowe nie zawsze przekłada się 1:1 na angielskie brytyjskie. "Merchant cash advance" to po polsku "zaliczka z utargu", ale polskie portale finansowe używają zamiennie skrótu "MCA". "Faktoring" po polsku obejmuje zarówno factoring jak i invoice discounting, ale brytyjskie invoice discounting to "finansowanie faktur bez powiadomienia". Ustalając tłumaczenia tutaj, gwarantujemy, że wszystkie strony porównawcze Kartapay używają tej samej definicji.
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