EMV Payment Terminal Cloud Takes POS Out Of The PCI Scope And More

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in Blog
on Tuesday, 22 December 2015 12:58

Have you heard of the EMV payment terminal cloud approach? If your company provides payment terminal mobile apps or web-based applications and you need to manage terminals without a local footprint -- or you need to use an operating system for which there aren’t any good terminal integration libraries or adapters -- you’re in luck.

When you choose the payment cloud terminal approach, your payment terminal solution instantly becomes more appealing to potential customers. Read on to learn more about this innovative option for companies that offer payment terminal solutions.

Understanding NIO And The Payment Terminal Cloud Approach

A new approach for embedded solutions called non-blocking input/output -- or simply NIO -- allows for the creation of a cloud of payment terminals. With traditional non-embedded solutions and many embedded ones as well, the POS system software is designed with the assumption that the system communicates with terminals directly, sending all messages right to the terminal. With NIO, however, it’s possible to do business with the POS communicating directly with the terminal.

Understand yet?

It works the same way as many chat apps. When two people want to chat, their client software subscribes to a chat server. When the first person sends a message, it goes to the server and is then delivered to the second person. The response works similarly.

In the same way, credit card terminals can open a communication channel with the server and leave it open for any notifications that are addressed to it. Additionally, a POS system can connect to the server and send commands to the terminal -- which is already connected. When several terminals connect in this way, a terminal cloud emerges.

A lot of terminals can all connect to the server at once, and the POS system can connect to this cloud and send messages to any connected terminal. Makes sense right? It seems a sensible way for things to work.

But in the past, something like this was hard to set up, especially when lots of terminals were involved, since multiple persistent TCP connections required significant resources. Now with NIO technology on a terminal and initialized from the server, thousands of open connections are possible without using a lot of resources.

Advantages Of The Payment Terminal Cloud Approach

This new approach has two major benefits. First, the same integration concept can be used for both card-present and card-not-present transactions since messages are sent to the server in the same way. Traditionally, the two different kinds of dataflow were handled in different ways. When the card was present, the transaction was handled through the terminal. When it wasn’t, it was sent to the gateway.

Also significant is the simplification regarding PCI compliance. The POS is out of the PCI scope because the terminal communicates with the gateway. The POS system never touches card data or communicates with the terminal.

If you’re a software designer, this probably all makes sense to you. If you’re not, it may not. But here’s the bottom line: better ways of handling credit card and related transactions are emerging.

At PayVisors, our goal is to connect companies with solutions to their business services needs. And we believe the UniPay gateway from United Thinkers, which uses modern methods including the payment terminal cloud approach, is one way to work better and get ahead of the competition. Why not contact us now to learn more?

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