Tap on Phone
Payments
Smartphones can act as a contactless POS terminal for merchants, without the need for additional hardware
Whether consumers use a contactless card, smartphone, or wearable device, “Tap on Phone” Soft POS provides merchants the flexibility of mobile contactless payment acceptance.
Accept payments
as easy as 1-2-3
1 2 3
1 Merchant asks to make a contactless with a:
Contactless credit, debit, or prepaid chip card with the Contactless Indicator icon.
Smartphone orwearable device with NFC mobile payment capability enabled
2 Tap the card, smartphone or wearable device to the NFC reader's field of the mPOS device.
Note: Location of the NFC reader may be on the front or back of the mPOS, and will vary by device.
3 When payment is authorised, the payment sensory animation, sounds and haptic are played.
Accept payments
as easy as 1-2-3
Merchant asks to make a contactless with a:
Contactless credit, debit, or prepaid chip card with the Contactless Indicator icon.
Smartphone orwearable device with NFC mobile payment capability enabled
Tap the card, smartphone or wearable device to the NFC reader's field of the mPOS device.

Note: Location of the NFC reader may be on the front or back of the mPOS, and will vary by device.

When payment is authorised, the payment sensory animation, sounds and haptic are played.
Tap on Phone - Soft POS Demo video by PayMob
Examples of Common Contactless Payment Points

As the use of contactless and alternative payments is growing, in the future it will be possible for certain groups of merchants to refuse completely from the terminals of individual mobile devices and assign functions to read contactless cards to mobile devices.

For
Stores
SoftPOS for Stores

In its final configuration this mobile app is set up for a specific bank with the ability to register merchants and pay invoices.

The basic scenario for the SoftPOS is contactless payments to the store

(merchant acquiring) with fiscal registration of the payment through FDO to the amount of the invoice.

Main Functionality

Electronic invoices with delay-free payments

Additional Functionality

Sending paid invoices to the e-mail of the client, through messenger, or through generating a fiscal QR-code for the invoice that can be photographed

The process of payment is as follows:
  • A merchant/cashier enters the sum and offers a buyer to complete their payment
  • The buyer taps their proximity or mobile (virtual) card, the payment is processed online and shows an authorization code, which can also be displayed as a QR-code
SoftPOS for Restaurants

Is a mobile app set up for a specific bank with the ability to register a waiter, pay invoices, decide on the tip amount and pay it.

The basic scenario for the SoftPOS is contactless invoice payments and tipping through two transactions:

To the restaurant (merchant acquiring) with fiscal registration of the payment through FDO to the amount on the invoice with discounts (the cash register system forms the sum considering your loyalty system)

For
Restau-
rants
Main
Functionality
  • Receiving electronic invoices and delay-free payments at peak hours
  • Giving tips to a waiter with proximity or mobile cards to the amount defined independently by the client.

Payment to the waiter is processed under a separate transaction code (tipping can be set up directly to the card of the waiter)

Registration of a smartphone in the system:

For normal functioning, the smartphone must be connected both to:

  • The establishment (restaurant)
  • A particular table/waiter who is to receive tips

The smartphone can be connected to a table/waiter through a regular proximity bank card during a shift change or before a payment depending on the restaurant’s rules

Additional
Functionality

Is set up on request from the restaurant and can include the following:

  • Calling a waiter
  • Display of your menu, and ordering
  • Information about promos and discounts, personalized interactive ads
  • Feedback to the restaurant: reviews on waiters, menu, advantages and disadvantages, etc.
  • Self-registration of a client in the loyalty program of the restaurant
  • Calculation of points for activity in the loyalty program
  • Partial invoice payments with loyalty points
  • Sending paid invoices to client’s e-mail, through messenger or by generating a fiscal QR-code of the invoice that can be photographed
  • Sending paid invoices to client’s e-mail, through messenger or by generating a fiscal QR-code of the invoice that can be photographed
Registration of a smartphone in the system:

Tipping:

The client completes their payment and the SoftPOS displays QR-codes (fiscal and local)

  • The client clicks Tips in the menu of the SoftPOS
  • The SoftPOS offers to enter the tip amount or a percentage from the bill. The client defines the amount on their own and clicks Give Tips. The SoftPOS offers to tap a card or use a smartphone for paying.
  • The client completes their payment, the SoftPOS displays the result of their transaction.

Bill payments:

The client clicks Get Bill in the menu of the SoftPOS, the bill is displayed with the offer to pay with:

  • A mobile (virtual) card
  • A proximity card (if the billing amount is within the limit of PIN-less transactions).

For
Couri-
ers

SoftPOS for Couriers

In its final configuration this mobile app is set up for a specific bank with the ability to register merchants and pay invoices.

* Considering that there are big federal operators on the market, who have their own loyalty programs, billing and mobile apps. It is better to provide a library that can help implement required functionality and can be integrated into an existing mobile app, instead of an out-of-the-box solution for couriers.

The basic scenario of the SoftPOS is contactless invoice payments and tipping through two transactions:
  • To the delivery operator (merchant acquiring) with fiscal registration of the payment through FDO to the amount of the invoice.
  • Tipping to the courier (P2P) to the amount that the clients define themselves. This payment does not require any fiscal registration and is not taxed as personal income. (see the letter of the Russian Finance Ministry on the date of 29.05.2018 N 03-04-05/36431.)
Main
Functionality
  • Receiving electronic invoices (for delivery) or creating invoices by the courier and the ability to pay them.
  • Tipping the courier with a proximity or mobile card to the amount that is defined by the client and discussed with the courier. The payment to the courier must be processed under a separate transaction code.
Additional
Functionality

The ability to send paid invoices to the client’s e-mail or through messenger by the client’s ID, or by generating a fiscal QR-code of the invoice that can be photographed.

The process of bill payment and tipping happens as follows:

Bill payments:

The courier selects a client in the menu of the SoftPOS, displays their invoice and allows them to pay it with:

  • A mobile (virtual) card
  • A proximity card (if the billing amount is within the limit of PIN-less transactions).

The client completes their payment and the SoftPOS displays QR-codes (fiscal and local)

Tipping:

  • If a client wants to tip, the courier clicks Tips in the menu of the SoftPOS, enters the amount defined by the client and offers to tap a card or apply a smartphone to pay.
  • The client completes their payment and the SoftPOS displays the result of the transaction.
SoftPOS for Taxi Drivers

is a library that can be integrated to process payments of two types: service payment and tipping. It is a stand-alone mobile app that is set up for a specific bank with the ability to register a taxi driver, get paid for their service, define the tip amount and pay it.

* Considering that there are big federal transportation companies on the market (Yandex.Taxi, Uber and so on), who have their own mobile apps, it is better to offer a library that can help implement required features and can be integrated with an existing app, instead of offering an out-of-the-box solution for taxis.

For
Taxi

The basic scenario of the SoftPOS is contactless invoice payments and tipping through two transactions:
  • To the transportation company (merchant acquiring) with fiscal registration of the payment through FDO to the amount of the invoice.
  • Tipping to the taxi driver (P2P) to the amount defined independently by the client. This payment does not require fiscal registration and is not taxed as personal income. (see the letter of the Russian Finance Ministry on the date of 29.05.2018 N 03-04-05/36431.)
Main
Functionality
  • Receiving electronic invoices or creating invoices by the driver and the ability to pay them.
  • Tipping the driver with a proximity or mobile card to the amount that is defined by the client.

The payment to the driver must be processed under a separate transaction code.

Additional
Functionality
  • The ability to send paid invoices to the client’s e-mail or through messenger by the client’s ID, or by generating a fiscal
  • QR-code of the invoice that can be photographed.
The process of bill payment and tipping happens as follows:

Bill payments:

The taxi driver selects an order in the menu of the SoftPOS, displays its invoice and allows clients to pay it with:

  • A mobile (virtual) card
  • A proximity card (if the billing amount is within the limit of PIN-less transactions).

The client completes their payment and the SoftPOS displays QR-codes (fiscal and local)

Tipping:

If a client wants to tip, the driver clicks Tips in the menu of the SoftPOS, enters the amount defined by the client and offers to tap a card or apply a smartphone to pay.

The client completes their payment and the SoftPOS displays the result of the transaction.

For
Public
Trans-
port

SoftPOS for Public Transportation

Is a mobile app that is set up for a particular bank, with the ability to register a conductor/driver and pay for a ticket.

The basic scenario of the SoftPOS is a contactless invoice payment to

The transportation company (merchant acquiring) with fiscal registration through FDO to the amount on the invoice.

Main
Functionality

Paying for tickets electronically without delays at peak hours

Additional
Functionality

The ability to send paid invoices to a passenger's e-mail or through messenger, or by generating a fiscal QR-code of the invoice that can be photographed

The payment process happens as follows:
  • Conductor/driver enters an amount and allows a passenger to pay
  • The passenger taps a proximity or mobile (virtual) card, the payment is processed online, and an authorization code is displayed, which can also be shown as a QR-code
SoftPOS for Doctors

For improving the service in health care institutions and automatization of paid service accounting. It is best to provide an out-of-the-box solution for the app «SoftPOS for Doctors».

The basic scenario of the SoftPOS is contactless payments of an invoice to the health care institution

(merchant acquiring) with fiscal registration of payments through FDO to the amount of the invoice.

For
Doctor
Main
Functionality

Receiving an invoice for different paid medical services electronically and the ability to pay it directly at the doctor’s office

Additional
Functionality
  • Electronic booking of appointments with any specialist
  • Electronic ordering of required tests
  • The ability to send a paid invoice electronically to the patient’s e-mail, through messenger or by generating a fiscal QR-code of the invoice that can be photographed
The process of the payment happens as follows:
  • The doctor enters an amount and, optionally, other parameters of the transaction (name of a service, etc.) and allows the patient to complete the payment
  • The patient taps a proximity or mobile (virtual) card, the payment is processed online, and an authorization code is displayed, which can also be shown as a QR-code
The model of «SoftPOS for Freelancers»

Is a library that is set up for a particular bank and integrated with the mobile app ‘My Tax’

In its final configuration, it is a stand-alone app for a particular bank with the following functionalities:

  • Connection to a particular card of a freelancer (registration)
  • Display of the amount and other parameters of the transaction
  • The payment is processed online and an authorization code is displayed, which can also be shown as a QR-code.
  • Logging of cards (date/time, amount, masked PAN, payment reference, notes)
For
Free-
lancers
Main
Functionality

Сreating invoices by the freelancer electronically and the ability to pay them with a mobile (virtual) or proximity card.

Registration of a smartphone in the system:
  • The freelancer chooses a bank that offers this service and passes on to it the registration info from the app ‘My Tax’.
  • The freelancer connects their proximity card of a chosen bank to their smartphone.
The process of a payment happens as follows:
  • The freelancer enters an amount and, optionally, other transaction parameters (payment reference, etc.) and allows the client to complete their payment
  • The client taps their proximity or mobile (virtual) card, the payment is processed online and an authorization code is displayed, which can also be shown as a QR-code
  • The SoftPOS saves information about the cards that were processed (date/time, amount, masked PAN, payment reference, notes)
Regardless of the area where “Smartphone as a POS“ is used, it is important to understand the following:

For normal functioning, a smartphone must be connected both to:

  • A legal entity (store, restaurant, transportation company, health care institution, etc.)
  • A particular worker (seller, waiter, courier, doctor, etc.)

The smartphone can be connected to a worker with the help of their regular contactless card for payments.

Smart-
phone
as a POS

The solution «Smartphone as a POS» does not require a client to install any additional software on their smartphone.

NFC-antenna of the smartphone that is used as a POS must be located on the upper end of the smartphone and allow interactions with:

  • An NFC-antenna of other similar smartphones in the end-to-end mode
  • A contactless card on tapping it on the upper end (front or back) of the smartphone.

The smartphone with NFC, that is used as a POS (SoftPOS), may belong to workers or legal entities.

The presentation describes only some areas of use of the solution «Smartphone as a POS». In practice, this solution can be applied by clients in different areas of business.
How does transaction flow fork?
Interoperable Acceptance via Terminals- Mobile phone will send he transaction to acquirer's back-end which in turn route the transaction to the network based on the card.
Examples of Common Contactless Payment Points
Since the current share of contactless and alternative payments is growing, in the future it will be possible for certain groups of merchants to refuse completely from the terminals of individual mobile devices and assign functions to read contactless cards to mobile devices.
1 2 3 4 5
Food Truck
Food Truck
Food Truck
Food Truck
Food Truck
Added Value
Revenue Enhacement
and Big Data
Loyalty programs
Marketing programs
Data analytics/Sales reporting
Consumer profiling
Discount management
Business
processes
Store managment
CRM capabilites
Accounting
Employee managment
E-commerce store integration
Industry
specific
Features
Table booking
Order ahead
Consumer feedback
Taxi booking
Payment on delivery
Ancillary
Services
Instalments, lending and consumer financing
Bill payment
Mobile top-ups
Fraud managment
Remittances
Benefits

mPOS implementations enable service and sales organizations to conduct financial transactions in a more versatile manner without having to be tethered to a single location. This improves the customer experience (CX) by speeding up service and wait times and offering multiple payment options. It also frees up valuable real estate that would otherwise be dedicated to a countertop POS.

Issuers
More
transactions
Increased
revenue
Merchants
Lower cost
acceptance option
No need to buy separate
acceptance device
Consumers
More places
to shop
Reduced friction through
existing payment instrument
PayMob offers

PayMob Original Soft POS mobile application

White label solution

SDK to embed into your existing application

PayMob Soft POS interfaces
Cashier PIN authorization
Payment pad
Products directory
E-receipts, payment confirmation, transaction details with a refund function, as well as a list of transactions.
Additional features by PayMob
Big data Analysis Predict buyer demand with Big Data Analysis from our BI Scientists
CRM Collect custumers purchase history, favorites, demographics etc.
Transactions Predict buyer demand with Big Data Analysis from our BI Scientists
Loyalty Programs Engage custumers with purchase rewards

All data is available on the Merchant Portal. The dashboard provides a set of widgets with interesting details to build the required metrics reports. Similar statistics provided in the context of the whole entire system.

The system has a built-in technical monitoring terminal unit. With the help of this module, the owner of the system has the ability to monitor and manage the entire fleet of devices. For clarity, it provides the tools to display analytics in the form of diagrams.

End-to-end scheme

The solution must be approved by “Visa Ready Program for mPOS” and Mastercard “Tap on Phone Pilot” before its commercial launch and piloting

Why use PayMob Soft POS?
The best solution for your retail outlet

The solution comprises oF a POS terminal in the Frontend and material management Features in the backend.

Use on any device

Works on all devices (PC, tablets, mobiles...), operating systems (cross platforms solution) Striking Ul fora never-before-seen user experience.

Scale up as you go

Our POS module can be modified and upgraded with other apps in a way that works best For your business. It provides seamless integration with your material management and more over, it could be used on cloud servers.

Easy to handle

User Friendly and powerFul. You do not need to spend days learning how it works. It is based on a single system interFace For Frontend and backend.

Our corporate customers
PayMob worldwide presence
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