Initiation

PayPay offers two payment terminal (POS/TPA) solutions to accept in-person payments: Standalone and Cloud.

Both solutions allow you to accept card payments securely and integrated with the PayPay backoffice.

Quick Comparison

Feature	Standalone	Cloud
Configuration	Plug & Play	Requires API integration
Manual value entry	Yes	No (via API)
Software integration	Optional (webhook)	Complete (API + webhook)
Backoffice synchronization	Yes	Yes

Standalone Terminal

Autonomous solution ideal for businesses that need a quick and simple way to accept payments.

When to use:

• Physical stores without an integrated management system;
• Points of sale that only need to process payments;
• Businesses that value simplicity and speed;
• Businesses that do not require integration with external software.

Features:

• Plug & play setup: no technical configuration required;
• Automatic real-time synchronization with the PayPay backoffice;
• Optional webhook for transaction notifications;
• Fully autonomous operation;
• Ideal for quickly starting to accept payments.

Cloud Terminal

Advanced solution for businesses that need full integration between terminals and management systems.

When to use:

• E-commerce with a physical store that requires omnichannel integration;
• POS systems that need to initiate payments remotely;
• Invoicing software with integrated payments;
• Restaurants with order management systems;
• Full automation of sales and payment processes.

Features:

• Remote communication with the terminal to initiate a transaction (no manual entry of amount);
• Real-time bidirectional synchronization;
• Webhook for automatic transaction confirmation in your system;
• Full integration with third-party software;
• Ideal for automation and an optimized user experience.

Supported methods on both terminals

• Contactless: Bring the card or mobile device close to the terminal.
• Chip: Insert the card with chip.
• Magnetic stripe: Swipe the card (where applicable).

Payment flow on the terminal

1. Card Presentation

When the operator enters the amount to be paid on the terminal (for standalone terminals) or sends the remote request to the terminal (for cloud terminals), the customer must:

1. present the card using one of the following methods:
   • Contactless: Bring the card or mobile device close to the terminal.
   • Chip: Insert the card into the terminal.
   • Magnetic stripe: Swipe the card.
2. The terminal reads the card data.

2. Authentication

Depending on the amount and the type of card, authentication may be required:

1. The card data is read by the terminal.
2. The system checks whether authentication is required:
   • If yes: The customer enters the PIN.
     • If the PIN is correct: proceed with authorisation.
     • If the PIN is incorrect: retry or cancel (max. 3 attempts).
   • If not: Direct processing for authorisation.

Authentication types:

• PIN: For transactions above the contactless limit.
• Signature: For some card types (less common).
• No authentication: For low-value contactless payments.

3. Processing and Authorisation

The terminal communicates with the payment network to authorise the transaction:

1. Data validated on the terminal (secure and encrypted connection);
2. The terminal sends the request to the payment network;
3. The network contacts the issuing bank for validation;
4. The bank checks available funds and card limits;
5. The response is sent back to the terminal:
   • Approved: Transaction authorised and debit completed.
   • Declined: Error message displayed.

information

The authorisation process usually takes 2–5 seconds.

4. Confirmation and Receipt

After authorisation, the payment is completed:

1. Transaction approved by the bank;
2. The transaction is automatically synchronised in real time with the PayPay backoffice;
3. PayPay checks that the webhook is configured:
   • If yes: The notification is sent to the external system.
   • If not: The transaction is only visible in the backoffice.

Next Steps

Contact the team at @apoio for acquisition and consult the following steps:

• Standalone Terminal
• Cloud Terminal
• Webhooks