Besides that, the UniPay Gateway platform integrates many major payment processors. UniPay Code; R: Retry. SSH authenticates a user via the private/public keys that you must generate. You will truly become a full-fledged gateway provider in your own. Second, the model simplifies the underwriting process by providing a streamlined onboarding experience for clients. The batch transaction processing is implemented through sFTP protocol. Payment gateway providers, processing transactions worldwide, need to be aware of the fact that different countries are using different systems to handle bank account transfers. Eft Anb B2b Profile. To receive more information, please contact sales@UnitedThinkers. Account holder name, billing address and postal code match. An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. The speed of transaction processing depends on the Internet speed and stability. Strategic Acquiring. Affiliate . We provide help for companies that want to become payment facilitators. UniPay Gateway platform is successfully used by many companies facing the above-listed problems, particularly, to consolidation processing,. Fill out the form below for a. Management . The most common examples of affiliates are marketplaces, bloggers, journalists, etc. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. A payment gateway white label solution. UniPay Terminology. Some companies offer truly robust payment technologies to their customers. Account holder name and billing address match. ly/3D18ZK3 #UniPay #paymentgateway #OpenSource #payments #paymentsolution UniPay Gateway @UniPayGatewayUniPay Terminology. Overall benefits of United Thinkers’ EMV terminal solutions. A01. In this case your payment gateway offering suits both merchants and PayFacs, accepting crypto as one of the payment methods. R20. 5% of transaction amounts, while development of a custom payment gateway solution costs about $150,000 or more. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. Senior Technical Writer at United Thinkers. 99 a month. Management . With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of. Response when enabling a physical card, when the physical card in not in an inactive state. UniPay Terminology. Author of the Paylosophy blog, a veteran writer, and a stock analyst with extensive knowledge. Access the. Non-Participant Provider – This account was reported with acceptable, positive data found in current or recent transactions. One-phase systems. 8%+$0. Utilizing powerful processor agnostic architecture, it allows you to connect to numerous back-ends (payment processors, payment gateways and banks) in. Payment gateway integration can go more smoothly than you ever imagined when you move up to UniPay and our modern, robust open source commercial software. The payment facilitator model brings several key benefits to SaaS companies. An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. UniPay Gateway is a white label open source payment gateway solution. Basically, UniPay instances form a payment gateway cloud, allowing UniPay licensees to mutually benefit from each other’s local integrations with banks and processors, and smoothly provision and onboard and provision new merchants. 40 : C: Street address and postal code not verified for international transactions due to incompatible formats. 15$ and a “free” payment terminal for card-present transactions. Establish a processing partnership with an acquirer/processor. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. The gateway routes the API calls to the appropriate terminal using the persistent channel that the terminal previously opened, and the responses are returned in the same way. Management . Accept payments on a single platform. A hosted payment gateway solution requires per-transaction and upfront fees to be paid, so a company which processes large volumes of transaction might, at some point consider switching from a hosted solution to a licensed one, or even developing payment gateway software in-house. When submitting an API request, you can use either UniPay server URL or the Sanitizing Data Filter (Unibroker) server URL as an endpoint. (Acquirer sent both street address and postal code. Merchant of record concept goes far beyond collecting payments for products and services. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Affiliate . Online businesses are constantly emerging. Y. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Name Added On Difficulty Time Required Description; Reviewing suspected duplicate batches: 09/01/14: 15 mins: This tutorial will teach you how to locate and approve duplicate batches/sub-batches. Affiliate . Usually, terminals support speed of 10-100 MB. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. In a few simple steps you can start accepting credit card payments with UniPAY Checkout on your WordPress site. 441. The previous version of the white paper, published several years ago, has been downloaded by readers across the globe on a daily basis. An EMV toolkit includes one or several pieces of hardware and the respective software that is needed to generate various EMV payment processing scenarios. Select ID “0028” in the first dropdown (constant value for Telium) and your terminal model in the second dropdown. 15$ and a “free”. Indicates that the user was not approved during the review. If you have become a white-label payment facilitator through a hosted instance of UniPay Gateway platform, you always have an opportunity to acquire on-premise source code license and take all the process in-house. A status of the response file can be checked in the gateway. Accept transaction with risk. Affiliate . An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. We offer integration with your payment app installed on your devices. UniPay Gateway | 119 followers on LinkedIn. A common way to start accepting electronic payments is to operate through a merchant service provider or a PayFac. Meet the Singapore leading p ayment gateway built for your business boost and amplification. It comprises features of a payment processing or recurring. United Thinkers announces a webinar on the implementation of a payment gateway solution. RT03. The IAT entry is being returned because the gateway does not have an agreement with either the ODFI or the gateway’s customer to transmit IAT entries. The commonly considered options include a solution developed from scratch, a third party solution, and various flavors of white label payment solutions. D27. The entire UniPay Gateway payment solution is comprised of 4 modules: UniCharge – foundation of UniPay payment gateway; electronic payments processing and funds remittance engine. Stuff you should know: SSH keys are used to access the UniPay source code repository and the Jenkins configuration repository, since the repositories are GIT-based and use the SSH protocol to transfer data. Each press-release informs our existing and prospective customers about a specific innovative fintech solution, as soon as it becomes available within our flagship white label payment gateway technology, UniPay Gateway. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. 1) Payer states date of presentation is more than 3 working days after due date in advance notice to payer; 2) Re-presentation of unpaid direct debit is more than one month from original direct debit processing day. The private key is stored in your system while the public. UniPay Gateway. This verification is performed prior. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. Funds Not Cleared. This can be done in two ways: 1) Using test card numbers. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. Reference guide explaining how to perform administrative tasks using the admin node. Affiliate . Management . Account management and. At the same time, more companies are implementing PayFac model and establishing PayFac payment gateway partnerships. You can start with a white-label instance, and if you eventually decide to. Service user differs. Affiliate . UniPay is your choice. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. UniPay Gateway solution will support stablecoin payments and authorizations in other currencies, including Bitcoin and Ether. Partnership with a merchant acquirer (sometimes called credit card acquirer) concerns the business aspect of payment gateway services provision. Affiliate . The receiving financial institution does not allow electronic debit through this type of account. An MPI is a special module, designed to verify if a particular card is enrolled in the 3D-Secure program. The receiving financial institution does not allow electronic debit through this type of account. com): UniPay Gateway platform has numerous APIs, its own EMV terminal solution, and mobile solution. UniPay Gateway is a popular open source payment gateway, which is used by numerous merc… 4 0 contributions in the last year Contribution Graph; Day of Week: August Aug: September Sep: October Oct: November Nov: December Dec: January Jan: February Feb: March Mar: April Apr: May May: June Jun:UniPay Terminology. Hard. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Management . 99 a month. Using a third-party crypto payment solution. Access to the exported data and its processing is done directly through the gateway database. Flexible data import engine, automated skip tracing and bankruptcy scrubbing, print house integration, as well as wide choice of banks and card platforms can surely simplify your day-to-day routine, while powerful remittance logic is very likely to reduce your monthly. Affiliate . Affiliate . UniPay Terminology. Affiliate . Good. Management . The one which can adapt and adjust to the newly emerging needs and challenges. (UniPay - Payment Gateway Software)The Orbital Gateway offers functionality, referred to as “Retry Logic”, which allows a customer to retry a transaction without duplicating the original request. Overview. Call Center. Affiliate . With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. Duplicate Policy Classifier. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Payments as a service. Official Licensed payment channels. Especially, if you are a startup business. If you need some illustrations of how it can be implemented, you can check the poster on UniPay-to-UniPay integration for merchants and PayFacs. Merchant of Record. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. UniPay Gateway Services Solid merchant services relationship can be one of the key factors determining success of a business, especially when this business depends on credit card revenue. This guide is intended for Terminal Order (TO) Managers that provide associated merchants with terminals through the gateway as well as for departments. A. Call your bank for more details or use an another payment card. Your SaaS company enhances its image and business reputation. key_registry; unipay. These solutions are designed to cater to different types of businesses, such as software platforms, payment service providers, payment facilitators, and enterprise merchants. A standard plan for $24. The main purpose of the gateway is to become a universal management, payment processing and funding solution to merchants, resellers and portfolios. Management . Welcome to UniPay . (UniPay - Payment Gateway Software) All Logos and Trademarks used or mentioned on this page are copyrighted property of their respective owners and are used for display purposes only. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of. High cost of gateway building and maintenance 2. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. The UniPay UniCharge Module is an advanced Processing and Remittance Engine supporting advanced functionality needed for transaction processing through a wide network of Processors and Gateway Partners. For more than a decade, UniPay Gateway, the flagship product of United Thinkers, has been used by Enterprise Merchants, Payment Facilitators, and Software Companies in. 4. If so, we strongly recommend watching our video about Open Source Payment Gateway: bit. The UniPay gateway is a robust and modern payment gateway designed to be efficient in every way. Some small companies may not find a payment gateway that’s right for them. Because the UniPay gateway is a complete system in its own right, your payment ecosystem landscaping project has a firm basis. Affiliate . UniPay Gateway platform, United Thinkers’ flagship product, exemplifying a robust and flexible open-source payment gateway technology, is described in a separate section. We want to be your payment gateway. In fact, those, who want to know, which payment gateway software and what payment system stands behind Uber and Airbnb, usually strive to develop similar logic and build similar functionality in their own payment systems. It can automate your recurring billing process, support different weekly, monthly, quarterly, or annual payment cycles, and execute pre-arranged payments. (UniPay - Payment Gateway Software) All Logos and Trademarks used or mentioned on this page are copyrighted property of their respective owners and are used for display purposes only. DQM does not take into account data access policy and assumes that the user have access to all portfolios, resellers and merchants within. UniPay Terminology. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Affiliate . Therefore, whichever option you choose, you will never outgrow us. Requests that contain tokenized card numbers/bank account numbers can be submitted directly to {Unipay} server. New York, NY – (September 22nd, 2022): United Thinkers, a New-York based commercial open-source Payment Management Software provider, announces a webinar on how to implement your own payment gateway solutions for your clients and. UniPay Terminology. Here you can find complete documentation for UniPay Gateway, including integration documents, administration guides and application tutorials. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. Accepting payments on Shopify Platform. All of the information provided match the information on file with the cardholder's bank. UniPay Code; M: Match: M: P: Not Processed: N: N: No Match: N: S: CVV2/CID should be on the card, but the merchant has indicated that CVV2/CID is not present (Visa and Discover only) S: U: Issuer is not certified. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. Support for different. The Store-and-forward. UniPay provides end-to-end solutions designed for Web App. UniPay might be exactly what you are looking for. Account management and. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. This online Payment Processing system offers Debit Card Support, POS Transactions, Recurring Billing, Online Payments, Signature Capture at one place. The expiry date of the card to be processed for payment. 9. Management . Contactless; data is received when a contactless card is tapped to a terminal. With UniPay’s comprehensive payment method list available to your business, you can offer your customers more than just credit cards. United Thinkers is an enterprise software development. Management . UniPay Terminology. UniPay Terminology. Management . Validation Code. Most articles are dedicated to some specific technical aspects of electronic payment handling. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of. The two basic approaches used for monitoring of payment gateway operation include transaction velocity tracking mechanism and internal audit. Owner. UniPay Gateway platform has numerous APIs, its own EMV terminal solution, and mobile solution. At UniPay Gateway, we’re dedicated to ensuring you have the insights and guidance necessary to make informed decisions in establishing payment gateways, becoming a PayFac, reducing costs, or transitioning from legacy systems. In the gateway, a payment gateway is an entity represented as the system. UniPay Code; UNKNOWN: Hard: The transaction has been submitted to the acquirer but the gateway was not able to find out about the success or otherwise of the payment. 10) Merchant activates the terminal. (UniPay - Payment Gateway Software) All Logos and Trademarks used or mentioned on this page are copyrighted property of their respective owners and are used for display purposes only. UniBroker is an intelligent processor-agnostic traffic broker, intended to increase security of the entire UniPay Gateway solution and reduce PCI exposure by simplifying and limiting the cardholder data flow. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. UniPay cloud-based payments as a service model simplifies payment software integration with merchant gateway. Learn how to use UniPay Gateway, a payment platform for online businesses, with complete documentation for usage, integration, billing, webhooks and more. If you want to create your own payment gateway for free, such a gateway, probably will not function. A01. Now it has been updated in order to meet the requirements of the present-day merchant services market. ¦_ Unapproved . Over card velocity count. UniPay Gateway Technology If you are curious and want to learn more about payment processing for SaaS, portfolio companies, or want to know what payment gateway option can be the most profitable for you (White Label, Hosted, or On-Premises), request a demo of UniPay Gateway Technology today. Let our team at United Thinkers explain the UniPay gateway to you. UniPay Terminology. If these are areas you’re venturing into or have questions about, reach out. Affiliate . Account holder name and billing address match. Make sure that card's issuing bank allows the transaction to be processed and try processing again. Manual; data is received when a user enters it manually. Enterprise scale, open-source, Payment #Processing and Recurring Billing solutions for #Merchants, IThe purpose of this document is to provide documentation for 3rd parties to integrate with the gateway reporting module. 1) Payer states date of presentation is more than 3 working days after due date in advance notice to payer; 2) Re-presentation of unpaid direct debit is more than one month from original direct debit processing day. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. UniPay Code; M: CVV Match: M : N: CVV No Match: N. Both account holder name and billing address provided match the information on file with the cardholder's bank. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Gabon. Difference MTD column shows $400 ($600-$200) On the 27th day of the month, the gateway processed $100 and the processor received this $100. First, it allows monetizing the payment process by becoming payment facilitators. 4. New York, NY (February 12, 2018) – United Thinkers, a New-York based commercial open-source Payment Management Software provider, launches a new merchant onboarding gateway, primarily targeted at payment facilitation market. The street addresses match; the postal codes do not match, or the request does not include the postal code. About 100 million micro-, small-, and medium enterprises (MSME) operated in Africa mid-2021. Management . An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. ISO-8583 XML Direct Post Proprietary NACHA / CAP Canada CSV JSON. The world of payment processing, with its myriad complexities, requires expert navigation. The payor/payee has deposited a cheque to their account that has not cleared. We’ll help you determine the. Accept payments on a single platform. Home Trending Articles Embedded Payments: Important Aspects and Features. Management . At the same time, payment aggregators. - "To See Lives Transformed By The Kingdom Of Heaven"For example, UniPay Gateway platform, developed by United Thinkers, includes a special module, UniBroker, designed for this purpose. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. United Thinkers is adding support for crypto to the feature set of the company’s flagship product, UniPay Gateway omni. Creating a customer. This reduces bureaucratic procedures and accelerates the time to market. Owners of many software platforms face the need to embed. A range of APIs are available, and many processor integrations have been perfected. , an account against which. Affiliate . We provide help for companies that want to become payment facilitators. An article “Hosted, Licensed and In-house Payment. 4. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. The UniPay/UniBroker application receives audio track data. Management . Presentation overdue. . We can also help you build banking relationships and guide you on which processes you must put in place to function efficiently as a payment facilitator. An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. Written by James Davis . At UniPay Gateway, we’re dedicated to ensuring you have the insights and guidance necessary to make informed decisions in establishing payment gateways, becoming a PayFac, reducing costs, or transitioning from legacy systems. Affiliate . Users of web-systems can benefit from our cloud-based. The quality and timeliness of support are important parameters when comparing Stripe with UniPay Gateway. 90. But building payment processing software from scratch can be a. It is integrated with all major processors and payment facilitation platforms in North America. UniPay Code; Success: Good: Transaction Succeeded. UniPay Terminology. Our recommendation is to use UniPay Gateway payment platform as the foundation for your ecosystem: thus you will benefit from our long experience of successfully working within the industry (including card-present EMV certifications in different countries), and from our international processing contacts and partnerships. James Davis. Our recommendation is to use UniPay Gateway payment platform as the foundation for your ecosystem: thus you will benefit from our long experience of successfully working within the industry (including card-present EMV certifications in different countries), and from our international processing contacts and partnerships. This white label payment gateway provides a way for your company to move forward without worries about secure hosting and compliance auditing, often the two biggest deterrents for companies that want to own a payment gateway. Actually more than simply a payment gateway, UniPay is a payment processing platform with more than enough functionality for most medium-size and enterprise organizations. For startups and SMEs that have basic needs, it functions just fine. However, retail businesses also utilize offline processing, although, in order to minimize the fraud. Although these. At Flywire, we embrace the power of our FlyMates’ cultural differences and perspectives to create financial solutions that aren’t limited by. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of. The result of 3D Secure verification will be returned to the gateway and the gateway will attempt to complete the transaction (complete authorization). Additionally to the payment gateway UniPay offers variety of payment gateway services. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. The payor/payee has deposited a cheque to their account that has not cleared. However, the ability to accept electronic payments would. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of. The payee did not have enough clear funds in the account to cover the debit amount. D01. The IAT entry is being returned because the gateway does not have an agreement with either the ODFI or the gateway’s customer to transmit IAT entries. UniPay Terminology. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. UniPay Terminology. Management . Management . New York, NY – (September 6, 2021): United Thinkers, a New-York based commercial open-source Payment Management Software company has started the development of a cryptocurrency payment solution for payment facilitators. Tokenization results are placed in respective sub-folder by UniBroker for further consumption by UniPay. If your transaction volumes are not very large and your processing needs are more or less basic, you can use a hosted cloud version of UniPay Gateway technology. Now, a hosted license for the well-regarded UniPay gateway is available within a certified PCI-compliant environment. UniPay Terminology. processor. Duplicate external ID. Management . It includes the support of 3D Secure, EMV, P2PE, ACH transactions, and the use of different types of payment cards. Norway. With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size. It includes information on basic gateway operations, folder structure, file name convention, file formats and tokenization. Accept With Risk - Current negative data exists on this account. Affiliate . For instance, UniPay Gateway is a white label payment gateway software solution, available in a hosted and licensable open-source code versions. 4. Integration APIs will enable you to quickly link your front-end/POS system to the new backend mechanism. Affiliate . Affiliate . More than 40 of the local and international payment gateways with which the UniPay Gateway integrates provide PCI DSS compliant payment solutions that make it easy and secure to accept credit cards online. But integration with this kind of secure payment gateway is difficult. The choice of cryptocurrency payment gateways is wide and growing. Discover collections services available through companies utilizing UniPay gateway's payment management technology with integrated collections tools. Payment gateways are essential to modern commerce, and the best payment gateway solutions make it easy for companies to accept a wide variety of payment types and handle a range of billing and payment processing needs. C. Store-and-forward solution can be implemented both at the level of an individual payment terminal, and at the level of a payment gateway. This will allow you to have a payment gateway of your own. Wider reach for Billers / Agents / Agent Institutions with SBI & Bharat Bill Payment Ecosystem. One such solution is the UniPay gateway from United Thinkers. Financial Inst facility cannot be found for routing. g. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Management . While others may be settling for less complete functionality, your company deserves more. Each toolkit is intended for EMV certification of some specific payment types of specific card brands. Author of the Paylosophy blog, a. This value must be in the range of 0001 - 9999 and is incremented on each authorization request message. Stripe offers Email, Phone, Live Support, Training and Tickets to its customers, while UniPay Gateway provides Email,. For an e-commerce store, this is the most professional and seamless credit card processing functionality. UniPay Terminology. 524. Affiliate . Paymentech Orbital (Stratus/Salem, PNS/Tandem/Tampa) (batch) Response Codes:UniPay Terminology. Some businesses are searching for payment gateway solution they could use to connect them to processing partners, while others are deciding on the best option to replace their already. Non-Transaction Account. An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. A. An affiliate is a company or a person that is represented as a separate entity within the gateway and is a partner of the merchant that promotes its products. The UniPay Gateway, the company’s flagship product, is an enterprise-scale cluster-ready commercial open-source payment processing solution, utilized by the industry’s leading third-party payment processors and payment service providers. Management . 99 a month includes payment processing for 2. You take care of business, we take care of the checkout. The most common examples of affiliates are marketplaces, bloggers, journalists, etc. Affiliate . payment terminal) to the point-of-sale (POS) application, which then passes it to the payment gateway.