[PYMNT]
Terminals (PIN Terminals)
PIN Terminals in PYMNT enable merchants to accept in-person card payments using dedicated payment hardware.
They are designed for stable, high-volume point-of-sale environments such as retail stores, hospitality, and service locations.
What is a PIN terminal?
A PIN terminal is a physical payment device that allows customers to:
- Insert, swipe, or tap their card
- Authorise payments using a PIN code (where required)
- Complete secure in-person transactions
Within PYMNT, terminals are fully managed as part of the platform, rather than as standalone devices.
Terminal management
PYMNT provides centralised terminal management, allowing merchants to:
- Register and activate terminals
- Assign terminals to locations or stores
- Monitor device status and connectivity
- Configure payment settings per terminal
Each terminal is linked to a merchant and operates within its compliance and risk profile.
How terminals connect to PYMNT
Terminals are connected directly to the PYMNT infrastructure through secure communication channels.
When a payment is initiated:
- The terminal sends a payment request to PYMNT
- The transaction is processed via the PSP infrastructure
- The result is returned to the terminal in real time
- The merchant receives confirmation of the payment
This ensures consistent processing across all payment methods, whether online or in-person.
Supported payment methods
PIN terminals typically support:
- Chip & PIN cards
- Contactless payments (NFC)
- Mobile wallets (e.g. Apple Pay, Google Pay)
Support may vary depending on the terminal model and region.
Deployment and lifecycle
Terminals go through a managed lifecycle:
- Provisioning — device is registered in PYMNT
- Activation — terminal is assigned to a merchant/location
- Active use — processing live transactions
- Maintenance / replacement — updates or hardware replacement if needed
- Deactivation — terminal is removed from active service
Security and compliance
All terminal transactions are processed through regulated infrastructure:
- Accredited Payment Service Provider (PSP)
- Licensed stichting derdengelden for safeguarding funds
- PCI-compliant payment processing
Sensitive card data is never exposed to PLTFRMS systems or stored locally on devices.
Integration with PYMNT ecosystem
Terminals are fully integrated with other PYMNT components:
- Merchants and onboarding
- Orders and invoices
- Payout and settlement systems
- Tap-to-Pay and hosted checkout flows
This ensures both online and offline payments are managed in one consistent system.
Why terminals matter
PIN terminals provide a reliable and familiar way for customers to pay in physical environments.
They enable merchants to:
- Accept payments in-store
- Operate at scale in retail or hospitality
- Maintain consistent reporting across all payment channels
- Combine online and offline payments in one platform