How to work with a bank POS terminal?

Recently, the tax authorities reminded that since 2023, entrepreneurs trading in settlements with a population of more than 25,000 people must provide customers with the ability to pay by card in their store for goods and services – that is, connect a bank terminal.

The only exception applies to Sole Proprietorship taxpayers of the first group who sell goods through vending machines, conduct mobile or outdoor trade, or sell personally grown or raised products.

Will the bank POS terminal work immediately after installing Torgsoft?

The installation of the Torgsoft program itself does not affect the operation of the bank terminal – Torgsoft and the bank terminal can function independently of each other.
To enable the terminal to work with Torgsoft, the connection needs to be configured.

Will the bank POS terminal transfer data to Torgsoft?

Information exchange and transfer of bank terminal parameters occur after activation and configuration of the additional option “Connecting a bank terminal”.

Which bank terminal parameters are transferred into the receipt?

According to the data as of January 2022, the bank terminal parameters in a receipt include:
 II. Fiscal cash receipt for goods (services)
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2. The fiscal receipt must include the following mandatory details:
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• identifier of the acquirer and merchant or other details that allow their identification (line 10);
• identifier of the payment device (line 11);
• amount of commission fee (if applicable) (line 12);
• type of transaction (line 13);
• details of the electronic payment instrument (payment card) permitted under payment system security rules, preceded by the capital letters “EPI” (line 14);
• the inscription “PAYMENT SYSTEM” (the name of the payment system used, authorization code or other code identifying the transaction within the payment system, and/or the transaction code) (line 15);
• cashier’s signature (if required by the payment system rules), preceded by the inscription “Cashier” (line 16);
• signature of the holder of the electronic payment instrument (payment card) (if required by the payment system rules), preceded by the inscriptions “Cashier” and “EPI Holder” (line 17);

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4. Lines 10–17 of the fiscal receipt are filled out when using an electronic payment instrument (payment card) through a payment terminal connected or integrated with the ECR during settlement operations.

Is it mandatory to connect the bank pin-pad terminal to the accounting software?

No, it is not mandatory.

However, we recommend doing so because it simplifies and speeds up employee work, eliminates errors during non-cash payments — the cashier will not need to manually enter the sale amount on the bank terminal.
But when using an ECR, terminal information must appear on the fiscal receipt. It can be entered manually, but this leads to unnecessary time loss and possible mistakes.

How will the bank POS terminal work after connecting to Torgsoft?

When selling goods with non-cash payment in “Sales” or “Trade with invoice”, the payment amount is automatically transmitted to the bank terminal. After that, the program will wait for a response from the terminal, and if the payment is successful, the sale will be closed as paid.
If a software ECR is installed, the fiscal receipt will be printed on the receipt printer.

If the terminal is not connected to the program, how to sell goods and process payments?

When selling goods in “Sales” or “Trade with invoice”, the cashier:

1. chooses the non-cash payment method,
2. manually enters the amount on the bank terminal,
3. waits for the terminal’s confirmation,
4. clicks “Paid” in Torgsoft,
5. prints the fiscal receipt through Torgsoft if an ECR is installed.

Working without the additional option “Connecting a bank terminal” is more complicated: the cashier may enter the wrong amount on the terminal, may not wait for bank confirmation yet mark the sale as paid, or incorrectly enter payment information into the fiscal receipt.

Which bank POS terminals are compatible with Torgsoft?

Torgsoft works with terminals that transmit information via BPOS, PosApi, WebSocket/JSON, SSIAxECR protocols.

How to find out which protocol your payment terminal uses?

Before ordering a POS terminal, contact the bank's technical support to confirm the protocol type and model. If the terminal operates under BPOS, PosApi, WebSocket/JSON, or SSIAxECR, it can be connected to Torgsoft.

The bank terminal is not supported in Torgsoft — what to do?

Unfortunately, such a terminal cannot be connected to Torgsoft: it will work manually, and payment information will be entered into Torgsoft manually as well.

How to connect a bank terminal to the Torgsoft accounting program?

After activating the additional option “Connecting a bank terminal” you can configure data exchange between the terminal and the program.
If the terminal uses BPOS, PosApi, WebSocket/JSON, or SSIAxECR protocols, then for configuration:
1. Connect the terminal to the computer: via Ethernet or COM/USB

Ethernet: connect the terminal to the router via cable or Wi-Fi (confirm with the bank).
COM/USB: the terminal must include a cable for computer connection.

2. Request drivers and libraries from the bank:

BPOS — terminal drivers and ECRCommX.dll library.
PosApi — terminal driver (64- or 32-bit depending on Windows version) and Posapi.dll (always 32-bit).
WebSocket/JSON — terminal driver and files genericDriverJsonETH.exe for Ethernet, genericDriverJsonUSB.exe for COM/USB.

3. Configure the terminal according to the instructions:  

• BPOS,
• PosApi,
• WebSocket/JSON,
• SSI,
• SimPays/InpasEcrCom.

How to set up slip receipt printing?

The main purpose of a slip receipt is to identify the payment and confirm the withdrawal from the buyer’s bank card.
The “Print bank terminal slip receipt in the fiscal receipt” setting in Torgsoft is available for the following ECR devices:

• software ECR,
• registers with ArtSoft drivers,
• Exellio FPU-260, FPP-350, FPU-550, FP-700, FP-2000, LP-1000,
• Datecs FP-101 Smart, -T88, -320, -510, -7197, -T260, -3530T; SMP-10M (Atlas),
• Atol (ATOL driver version 10),
• Shtrikh-M,
• MG N707TS (Help Micro),
• Mariya-301MTM T7-T11, Mariya-M304 (Resonance).

If the setting “Print bank terminal slip receipt” is enabled, the slip information will be printed within the fiscal receipt.
Add the variable “SLIP-check” to the receipt template.
For software ECR, the slip receipt is added by default to payment and refund receipt templates.

For a slip receipt to be included in the fiscal or goods receipt, the bank terminal must return slip information to the cash register. Some bank terminals, such as those of Alfa-Bank, do not return slip data by default. This technical issue must be resolved individually with the bank servicing the terminal.

If the bank terminal is not connected to Torgsoft, how to add terminal data to a fiscal receipt?

Data on bank terminal payments are provided for ECRs with ArtSoft and Atlas drivers and for the Torgsoft software ECR.
In the ECR and software ECR settings form enable the setting “Transfer bank operator payment information” → “Request bank terminal payment parameters”.

Technical nuances for ECRs with ArtSoft and Atlas drivers

For proper transmission of bank terminal payment data via ArtSoft, the ECR must have “Payment Type 3 — Card” configured in its payment table. The name of the payment type does not matter.
On fiscal receipts printed with ArtSoft drivers, the bank terminal payment section always includes the lines “Cashier” and “EPI Holder”.

For Atlas drivers, whether these lines appear depends on the value returned by the bank terminal — if entering payment parameters manually and the “Cardholder’s signature required” option is not enabled, the lines “Cashier” and “EPI Holder” will not be printed.