How the payment terminal works

The correct operation of the payment terminal depends on the well-coordinated functioning of each of its elements. These elements include:

  • computer and payment systems

  • touch monitor

  • modem

  • antenna

  • thermal printer

  • bill acceptor (or NFC system)

Payment terminal operation stages

  1. In the touch menu, the user selects the service he wants to pay for.

  1. After selection, a screen with a step-by-step algorithm of actions appears in front of him. According to the recommendations, a person enters the data necessary for making a payment.

  1. Then the user enters the required amount into the bill validator, which recognizes the denomination, authenticity, integrity and purity of the banknotes.

  1. After receiving money, the terminal system, using a modem or other communication tool, transfers the received data on the payment to the server of the payment system for further processing.

  1. After processing the input data, it sends them to the server address of the organization that provides the services of interest to the client.

  1. Next, the amount is credited to the recipient's account, and the thermal printer prints a receipt on the successful operation.

Payment systems for terminals

The number of potential users depends not only on the location of the terminal, but also on the number of service providers (buttons) available to the user. The more choice, the wider the coverage of the population.

The number of services depends on the payment system used by the terminal.

Payment for additional services can be implemented in many systems. For example, an Internet provider that provides services within the boundaries of one city or region or payment for personal services of a customer.


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