Card-Present Mobile Point-of-Sale Payment Processing

Using software-based, mobile point-of-sale (mPOS) solutions enables you to accept contactless transactions on your mobile device, with or without PIN entry. When processing mPOS transactions, the API requests must include mPOS indicators. These indicators enable acquirers and issuers to differentiate between software- and hardware-based mPOS solutions.

Card Present Connect supports these mPOS solutions for authorization and sale transactions:

mPOS payments using an embedded reader and software PIN entry (also known as Tap To Phone with PIN): This mPOS solution is used to process mobile point-of-sale (mPOS) transactions using an embedded reader with software PIN entry. The customer taps a contactless card or payment-enabled smartphone, smart watch, or other wearable device over a contactless-enabled reader and then enters their PIN on the embedded reader to verify their identity.
mPOS using an embedded reader and software with no PIN entry (also known as Tap To Phone with no PIN): This mPOS solution is used to process mobile point-of-sale (mPOS) transactions using an embedded reader and software with no PIN entry. The customer taps a contactless card or payment-enabled smartphone, smart watch, or other wearable device over a contactless-enabled reader. No PIN entry is required because each transaction is accompanied by a unique token (one-time code), similar to contact EMV transactions.
mPOS payments using an external, contact-only reader with no PIN entry (previously known as chip-capable mPOS or chip-only mPOS): This mPOS solution is used to process mobile point-of-sale (mPOS) transactions using an external, contact-only reader with no PIN entry. These are some of the features of this payment method:
Dongle or other specialized card-reader hardware
EMV chip-compatible
No PIN entry required
This type of transaction is processed using a dongle or other specialized card-reader hardware that is physically connected to your mobile device, which turns it into an mPOS terminal. No PIN entry is required because each transaction is accompanied by a unique token (one-time code), similar to contact EMV transactions. Magnetic stripe transactions are not supported on this type of mPOS terminal.
mPOS payments using an external reader and hardware PIN entry (previously known as hybrid mPOS or chip-only mPOS): This mPOS solution is used to process mobile point-of-sale (mPOS) transactions using an external reader with hardware PIN entry. These are some of the features of this payment method:
Dongle or other specialized card-reader hardware
External hardware PIN pad
PIN entry required to verify customer identity
This type of transaction is processed using a dongle or other specialized card-reader hardware that is physically connected to your mobile device, which turns it into an mPOS terminal. Magnetic stripe transactions are not supported on this type of mPOS terminal.
mPOS payments using an external reader and software PIN entry (also known as SPoC): This mPOS solution is used to process mobile point-of-sale (mPOS) transactions using an external reader with software PIN entry. These are some of the features of this payment method:
Dongle or other specialized card-reader hardware
PIN pad on device screen
PIN entry required to verify customer identity

This type of transaction is processed using a dongle or other specialized card-reader hardware that is physically connected to your mobile device, which turns it into an mPOS terminal. Magnetic stripe transactions are not supported on this type of mPOS terminal.