Order any amount of terminals through TabaPay and follow the steps to setup, set pricing, and go-live with your customer experience for card-present transactions.

Use Cases

• Retail Purchases: Accept credit or debit cards for goods in a brick-and-mortar store. Set up a terminal used to accept cards with capabilities to swipe, insert (dip), or tap the card.
• Service Businesses: Use a terminal to handle payments for services like haircuts, spas, massages, often including tipping options.
• Short-Term Lending: Offer terminals for customers to pay back loans, or cash advances at the counter through debit cards or cash.
• Money Transfers: Accept in-person payments to secure fund transfers to accounts and scheduled future transactions.
• Bill Payments: Customers can pay utilities and other services in person.

Terminal Payment Workflow

1. Customer makes a card present payment at the in-person terminal.
2. Terminal integration sends the Create Transaction request with type:pull to TabaPay.
3. TabaPay sends the request to the network and notifying the bank(s).
4. The network returns with a success or error.
5. TabaPay returns the API response to the client (you).
6. You display relevant confirmation to the customer.

TabaPay Terminals:

Option 1: MagTek Terminals

MagTek devices are supported with decryption and are used to call the Create Transaction

Prequisites

1. Client must set up with decryption service with Magensa.

   Magensa is a subsidiary of MagTek, Inc., specializes in data security, payment processing, and fraud prevention. It provides services such as payment protection, tokenization, data encryption, fraud prevention, and transaction processing.

You can order MagTek terminals through TabaPay. TabaPay will set up your configurations, and deliver the terminals to you.

Features

• Payment Methods: Support for EMV chip cards, magnetic stripe cards, and NFC/contactless payments, which includes Visa, Mastercard, Discover and American Express.
• Enhanced Security: Advanced encryption and tokenization ensure PCI-DSS compliance and protect against fraud.
• Portability: Lightweight and mobile-friendly, perfect for on-the-go transactions or field-based operations.
• Seamless Integration: Fully compatible with TabaPay’s Unified API for real-time processing and reporting.

Option 2: Ingenico Terminals

Ingenico terminals are supported with TabaPay to be used for in-person card payments to tap, swipe and dip.

Features

• Payment Methods: Supports EMV chip, magnetic stripe, NFC/contactless payments, which includes Visa, Mastercard, Discover and American Express.
• Durable Hardware: Equipped with built-in printers, barcode scanners, and robust components for reliable in-store operations.
• High Scalability: Optimized for handling large transaction volumes with efficiency and accuracy.
• Advanced Security: End-to-end encryption and PCI compliance provide a secure environment for payment processing.

Integrate with TabaPay Terminals

As you begin your integration, you will complete the following processing tests with your terminal integration.

Transaction Processing Tests:

Test the following processing features across all terminal types:

• Sale
• Auth
• Capture
• Void
• Refund
• Credit

Security Testing:

Conduct vulnerability and penetration tests to ensure:

• Security
• Compliance with industry standards

End-to-End Testing:

Perform end-to-end testing, ensuring smooth payment initiation to settlement across each terminal type.

Terminal-Specific Feature Tests:

Verify terminal-specific features such as:

• Refund processing
• Additional terminal-specific functions as needed.

The following diagram depicts the merchant/client Magtek terminal built with Magensa Cloud Services working with TabaPay.

Integration with POS Application

MagneFlex Installation Options:

• Local Workstation: Install MagneFlex on each POS terminal individually.
• Centralized Control: Install and manage MagneFlex from a Store Controller for streamlined updates.
• Embedded Solution: Fully integrate MagneFlex into the POS software for seamless operations.

Transaction Forwarding: Configure the POS application to forward transaction details (amount, type, and ID) to MagneFlex, which will then send encrypted packets to the Magensa Gateway.

API Integration

Access Magensa APIs: Obtain free access to Magensa APIs from Magtek to support Decrypt and Forward services.

Implement Key API Functions:

• Authentication: Securely verify users.
• Sale Transactions: Process payments.
• Void Operations: Reverse transactions if needed.
• Refunds: Manage customer refunds.
• Capture: Complete and secure funds capture.
• Device Authentication: Validate magnetic stripe card and reader integrity.