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Overview
August 05, 2026Learn about the modules, roles, and payment flows of the native SmartPOS app
The Kushki ONE Payment App is the native application that runs directly on SmartPOS terminals (Sunmi P2 SE, Sunmi P3). It serves two purposes: it lets the cashier process card payments on their own, and it lets the merchant administrator review sales, tips and reports without leaving the device.
How the app is organized
The app has three sections, reachable from the top navigation bar.
| Section | What it is for |
|---|---|
| Home | The operations menu. This is where the cashier starts every transaction |
| Transactions | The lookup hub. Holds the Sales List, the Sales Summary and the Tips List |
| Settings | User management, language, receipts, refunds, tips and split payment |
Operations available on Home
| Operation | What it does |
|---|---|
| Sale | Immediate card payment |
| Refund | Full or partial refund of an earlier sale |
| Authorization | Reserves an amount without charging it yet |
| Capture Payment | Charges a pending authorization |
| Split Payment | Divides one check across several consecutive payments |
How the payment flow works
The cashier enters the amount and the customer presents their card by contactless, chip or magnetic stripe. The terminal sends the authorization request through Kushki to the card network. The result, Approved or Declined, appears on screen and is recorded automatically in the Sales List.
Every approved transaction produces:
- A unique 18-digit Ticket #, which works as the reference both on the terminal and in the Kushki portal.
- A printable receipt with a customer copy and a merchant copy.
- A record available for email delivery, individually or as a consolidated report.
Configuration works on two levels
App capabilities are enabled in two layers, and understanding the difference saves you from hunting for an option that is not there yet.
| Level | Who controls it | What it defines |
|---|---|---|
| Kushki | The Kushki team, during your terminal activation | Whether the capability is available for your merchant account, and its maximum limits |
| Terminal | The merchant administrator, from Settings | How the capability behaves day to day |
Tips are a good example. Kushki has to enable them first. Once enabled, the administrator decides from the terminal whether they are percentage-based or fixed-amount, and which three quick values are offered to the customer.
Who does what
Two roles use the app differently. Knowing the difference keeps the cashier out of settings that are not theirs to change.
| Role | Typical access | Relevant guides |
|---|---|---|
| Cashier | Home, Sales List | Process a payment · Refunds · Split payment |
| Administrator | Settings, Sales Summary, User Management | Terminal settings · Review your transactions · Auth & Capture |
Process a payment
Start with the main flow: enter the amount, present the card and handle the result.
Terminal settings
Adjust users, tips, receipts and refunds before you start operating.