Software for payment terminals

The infrastructure for payment cards operation are on the one hand cash machines and bank terminals and on the other hand terminals available at Points of Sale. Joined together with teleinformatic solutions, with the support of settlements centres, they make a network of global settlements between sellers and customers.

POS payment terminals

Payment terminals enable realisation of cash pay ins and pay outs, non-cash payments and also payments for home bills.

Terminals operate usual cards (with magnetic stripe) and also enable operation of EMV cards for the security of providers.

Data transmission  can follow via wide range of connections , depending on technical possibilities of particular localisation:

• Analogue / Ground line/ PSTN,

• Digital/ Ground line / ISDN,

• Frame Relay, GSM,

• GPRS (SIM card),

• permanent access (IP) DSL (Internet).


Types of terminals:

• stationary payment solutions designed sellers – nice outside, easy installation, user friendly.

• mobile and wireless solutions ensuring extended range and flexibility, small, light  terminals equipped with a range of solutions for data transmission;  good for payments at bars, hotels, restaurants and stadiums and any other places where nee be.


Terminals enable processing of additional services:

PRE PAID

POS terminals are used mainly for payment cards acceptance however it may also be a tool for service selling consisting in mobile phones reloading. This gives a chance to have profits from mobile phone reloading of any operator. Instead of traditional "karty-zdrapki" a customer receives printout form terminal with reloading number. Cashier does not have to keep money for cards purchase (of a few operators, a few denominations) and protect it against theft. At the same time a cashier is able to get a new group= of customers.

CASH BACK

POS Terminal is treated as a cash machine as the biggest payment organisations introduces a new service called cashback. It means  that you can pay out cash directly at Point of sale. It is enough for the cards owner to inform cashier that he is going to take advantage of this service and inform about the amount (p to 200zł) . As every card transaction –this transaction also requires approval – with PIN code or with signature. In the printout you will see separate amounts for purchase, cashback and whole transaction amount. Thanks to this service companies having POS terminals installed can get new customers , especially where there are not many cash machines. An additional advantage of this service is that fact there is no commissions to be paid by the customer what happens very often when taking the money from cash machines of other banks .

TRANSACTIONS DCC ( Dynamic Currency Conversion)

Dynamic Currency Conversion enables you, free of charge, to see transaction value (PLN value)  expressed in the currency in which a given card is cleared. DDC transactions include: EUR (euro), USD (SA), GB, CHF , NOK , DKK, HDK, SEK, JPY  CAD , AUD , NZD, SGD . Within the service, currency rate is updated in such a way that is updated in the moment of transaction.

PREAUTORIZATION

This transaction consists in possibility to block for some time  – as advance payment – money on customer account.  This can be done for an owner of a credit embossed card  issued by VISA, MasterCard and Diners Club.

MAIL ORDER / TELEFON ORDER

Sales of goods or services is done on the basis of orders sent by card users to provider in a written form – by mail or fax, phone or with usage of electronic mail, using embossed cards. Transaction is done without physical presence of a card at the providers office however with a usage of defined data given by a purchaser.

KEY ENTRY

Transaction consisting in manual entry of data about card and transaction using terminal keypanel.

Bank terminals enable flow of money.

PIN Pads

PIN Pad – external device connected to payment terminal and used for transaction confirmation with PIN code (instead of signature). Entered code is secured properly (encoded) what eliminates its further processing in decoded form.

PIN Pad is a smart solution when customers should confirm their transaction via PIN.

Self-service terminals

Apart from the classical payment terminals we can also offer unattended payment terminals . The can be used for payment with payment cards and also for other transactions.

Implementation examples:

• tankomats for petrol stations,

• devices for tickets sale,

• devices for GSM prepaid services sale,

• devices for item sales,

• multimedia kiosks,

• parking fees, etc.

Terminals have got certified PIN Pads, magnetic and electronic cards readers and LCD displays.

Unattended terminals ensure security and service comfort :

• are equipped with keypads resistant to liquid and physical attacks,

• displays resistant to hits, mountings and card readers reacting to vandalism,

• water-resistant constructions,

• user-friendly, big kaypads.

Wide range of payment terminals, PINPADs and unattended terminals chosen on the basis of individual customer needs.

Payment terminals:

Banking Terminals :

Self-service Terminals :

... and many other models to choose from.