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description: >-
  Process card-present payments using the Inyo Smart Terminal — supports NFC tap-to-pay and manual card entry for AFT programs including money transfer, top-up, bill pay, and prepaid card loading.
---

# 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.

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### Key Features

| Feature | Description |
|---|---|
| **AFT-Optimized** | Built for money transfer, top-up, bill pay, prepaid card loading, and wallet funding programs |
| **NFC Tap-to-Pay** | Accept contactless payments from cards, phones, and wearables |
| **Manual Card Entry** | Process transactions by manually entering card details when needed |
| **Card-Present Rates** | Benefit from lower interchange fees associated with card-present transactions |
| **Smart Routing** | Transactions are routed through the same intelligent gateway for optimal authorization rates |
| **Unified Platform** | Manage in-person and remote payments from a single platform |
| **Real-Time Processing** | Transactions are authorized and processed immediately |

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### 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
```

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### 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

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### Better Together

Smart Terminal works alongside the [Payments Gateway](README.md) and [Payment Link](payment-link.md) to provide a complete AFT payment platform:

| Channel | Solution |
|---|---|
| **API / Online** | Payments Gateway API |
| **Remote / Mobile** | Payment Link |
| **In-person / Card present** | Smart 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.

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### Getting Started

Smart Terminal documentation is coming soon. Contact [support@inyoglobal.com](mailto:support@inyoglobal.com) to get started with Smart Terminal or to request access.