Inyo

Smart Terminal

The Inyo Smart Terminal is a comprehensive card-present payment solution designed for AFT (Account Funding Transaction) programs. It enables agents and merchants to process in-person payments for money transfers, top-ups, bill payments, prepaid card loads, and wallet funding. The terminal supports NFC (Near Field Communication) for contactless tap-to-pay transactions, as well as manual card entry for situations where contactless is not available.

Key Features

FeatureDescription
AFT-OptimizedBuilt for money transfer, top-up, bill pay, prepaid card loading, and wallet funding programs
NFC Tap-to-PayAccept contactless payments from cards, phones, and wearables
Manual Card EntryProcess transactions by manually entering card details when needed
Card-Present RatesBenefit from lower interchange fees associated with card-present transactions
Smart RoutingTransactions are routed through the same intelligent gateway for optimal authorization rates
Unified PlatformManage in-person and remote payments from a single platform
Real-Time ProcessingTransactions are authorized and processed immediately

How It Works

1. Customer presents card        →  Tap (NFC) or manual entry on the terminal
2. Terminal reads card data       →  Securely captured and encrypted at the point of interaction
3. Transaction processed          →  Routed through the Inyo gateway for authorization
4. Result displayed               →  Approval or decline shown on the terminal in real time
5. Webhook notification           →  Your backend receives the transaction result

Use Cases

  • Money transfer agents — Customers walk in to fund a remittance and pay at the terminal via NFC or manual entry
  • Top-up & bill pay locations — Accept card payments for mobile top-ups and utility bill payments at agent locations
  • Prepaid card loading — Customers load funds onto prepaid cards at physical points of service
  • Wallet funding — Accept in-person card payments to fund digital wallets
  • Multi-channel agents — Combine the terminal with Payment Link for customers who prefer to pay remotely

Better Together

Smart Terminal works alongside the Payments Gateway and Payment Link to provide a complete AFT payment platform:

ChannelSolution
API / OnlinePayments Gateway API
Remote / MobilePayment Link
In-person / Card presentSmart Terminal

Running all three products on the same platform increases authorization rates and revenue. The gateway's smart routing, fraud signals, and transaction intelligence are shared across all channels — meaning an in-person transaction history can improve remote authorization decisions and vice versa.

Getting Started

Smart Terminal documentation is coming soon. Contact [email protected] to get started with Smart Terminal or to request access.

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