PAYMENT SYSTEMS
insist that unattended, retail POS and ecommerce transactions each have their own MID (Merchant Identifier) since the risks and charges differ between the transaction types. Next a payment gateway is required to connect an unattended
device directly to the processor. The payment gateway takes the payment authorisation requests from the unattended terminal and passes those to the acquirer in their specific format. The gateway will have a list of the payment devices – the card reader and PIN pad combination – that they support and have certified with which acquirer. They will also provide software, usually in the form of an SDK (Software Development Kit), that will be integrated into the PC or other computer that is running the kiosk or vending machine, to interface with the payment device.
Payment device choice
When self-service kiosks and vending machines started appearing in retail environments, many developers were taking standard retail POS terminals, fashioning brackets and mounting them somewhere on the kiosk, which is suboptimal for a number of reasons. First off, POS terminals are not designed to be used in an unattended setting where cable
connections are exposed and liable to tampering or disconnection. They cannot stand up to abuse and security can be compromised when vending operators use a traditional POS system in this way. The best approach is to use a terminal device from a major manufacturer that is specifically designed to be integrated into an unattended kiosk or vending machine. These can mount securely and neatly within the panel and can withstand hard use all while assuring security.
What about an all-in-one solution?
Self-service specialist companies can provide a self-service card terminal including the card payment processing service for a charge on each payment, offering simplicity especially for small operators in the vending community. The downside is that costs can be high compared with owning the hardware and managing the relationship with a bank processor directly as well as contract length needing to be assessed in ROI calculations. As vending operators navigate heightened consumer demand for
a seamless payment experience, they must consider the latest innovations in payments technology to ensure a user-friendly process for all shoppers.
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