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Accept card present payments

clock October 29, 2024

Check out everything you need to start accepting card-present payments using a POS terminal

Card-present payments through a physical or digital card correspond to transactions conducted with your customer physically at the Point of Sale system (also known as POS). Through this device, you can streamline the transaction process with your customers and enable a fast service that allows them to:

  • Make purchases with physical or digital cards through different reading channels (NFC, chip, magnetic stripe).
  • Reduce the wait time for transaction processing.
  • Decrease the margins of error in charging or processing.
  • Simplify the process of cancellation or return of transactions made.

In this way, if you have a physical store, you can enable quick payments through Kushki’s services.

Features

Features of card present payments.

  • Online compatibility: through the use of Kushki’s services, you can verify transaction information received and conducted by your merchant via digital or in-person means from the administration console.
  • Compatibility with multiple card readers: you can choose the certified card reader of your preference.
  • Secure and direct communication with Kushki: this service establishes direct communication between Kushki and your merchant, through the transmission of information via encrypted means over secure electronic channels on the Internet. The communication established towards Kushki’s services should be done from your backend.
  • Connection types: depending on your merchant needs and the technical capabilities of the terminals used, you can establish the internal connection of your terminals via bluetooth, Wifi, USB or internet.

Below are the steps to follow to start receiving card payments at your local business.

Step 1. Set up an account

Create an account depending on the type of integration.

  • Cloud Terminal API, App to app and Terminal SDK: You can create a test account at the following link or contact our sales team to help you design and implement the best solution according to your business needs. Access the administration panel to obtain your integration credentials and view your merchant’s information.
  • Raw card-present API: Contact our sales team so we can provide you with the best solution according to your business needs. Access the administration panel with your created account to obtain your integration credentials and view your merchant information.

Step 2. Scope of integration

Depending on your business needs, choose one or more of the following integration types and available terminals to accept card-present payments.

  • Standalone (Nano, Ultra / Ultra P): You can collect payments without the need for an integration. Purchase a compatible terminal, create your account, configure your terminal and start receiving card-present payments at your store. You can use a standalone terminal as an alternative when there are problems with an integration (for example, connection problems).
  • Cloud Terminal API (Ultra / Ultra P): Integrate our terminals into your point of sale system using a Rest API to receive and process requests through the POS application.
  • App to app (Nano, Ultra / Ultra P):Integrate our terminals into your mobile point of sale system on Android (Intents and Links) and iOS (Links) to receive and process requests through the POS application.
  • Terminal SDK (Nano, Ultra / Ultra P): Integrate our terminals into your point of sale system using an SDK to receive and process requests directly from your POS application.

Step 3. Get test terminals

Once you choose the integration type and terminal to use in your integration, it will be necessary to obtain test terminals to begin the development and testing process.

Some integration types and terminals may require additional configurations to target the test environment, so we recommend contacting our sales team to make sure you have everything you need to get started.

Step 4. Configure your integration

Obtain your credentials and access keys to perform the necessary tests in the development environment that will allow you to correctly integrate the terminals into your point-of-sale system.

Make the necessary adjustments to your system according to the type of integration and the desired operations, configure a webhook to receive notifications of events and perform tests to cover all available scenarios.

Step 5. Certification

Certain types of integration require certification before you can go live to ensure everything is working properly.

After you have configured your integration and performed the necessary tests, validate the following steps with your account manager to perform the corresponding certifications.

Step 6. Go live

Obtain your live environment credentials to begin accepting real payments with terminals once you have completed the necessary certifications (if applicable).

Obtain and configure the necessary terminals in your store, ensure they are pointed at the live environment, and make any final adjustments to your system.

Please contact your Account Manager to start your go-live process and obtain your credentials.