ℹ️ The option requires continuous maintenance and adjustments to external services. Annual payment ensures that the service will be supported. Price — for 1 year.
The “Bank Terminal Integration” option automates payments, reduces errors, speeds up customer service, and enables accurate recording of sales in the accounting system.
New legislative requirements for terminal installation from 2026
A bank terminal, payment terminal, or POS terminal is a device designed to accept card payments for goods and services.
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Starting January 1, 2025, the use of payment terminals became mandatory for sellers operating in settlements with a population of less than 5,000 people.
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Starting January 1, 2026, all entrepreneurs, regardless of tax group or location, must install a POS terminal to accept card payments.
This means that even Sole Proprietorships in Group 1 or those operating in villages or markets, selling through vending machines, outdoor kiosks, or conducting mobile trading from their own vehicle must accept card payments.
Important: for violation of the legal requirement, fines are imposed — from 1700 to 3400 UAH for the first violation, and from 8500 to 17,000 UAH for each repeated violation within a year.
Why integrate the bank terminal with the accounting system?
Bank terminals can be connected to a computer and to the Torgsoft software to record payments, bank account receipts, transfer information into the ECR receipt, and perform analytics.
The main function of synchronizing the accounting system and the bank terminal is to automatically transfer the correct payment amount to the terminal.
If a POS terminal is not connected to the accounting system, the seller must manually enter the purchase amount. As a result:
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the seller bears full responsibility for correct entry, causing stress during checkout;
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there is a high chance of entering an incorrect amount;
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refunds cannot be processed correctly.
These actions lead to loss of customer trust, financial and reputational risks, and opportunities for employee fraud.
“In our store, there were incidents with dishonest employees who pocketed cash and claimed that the terminal malfunctioned, so the money did not reach the account,” says a Torgsoft client, the owner of a cosmetics store.
✅ The solution is automatic integration of the bank terminal with the Torgsoft system so that:
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the amount is transferred to the terminal without manual input,
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sales are recorded in the system,
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all data appear in the ECR receipt without errors.
Benefits of the “Bank Terminal Integration” option
✔️ Elimination of errors and human factors in card payment processing.
✔️ Integration with the software ECR and the accounting system — terminal details and payment amount are automatically added to the fiscal receipt.
✔️ Work with multiple merchants — payments can be accepted to different Sole Proprietorship accounts.
✔️ Connection of terminals with biometrics (e.g., PAX A930 from PrivatBank with WiFi and facial recognition).
✔️ Protection against employee fraud.
✔️ Full compliance with new legal requirements — readiness for inspections.
The option works in all Torgsoft modes:
→ sales,
→ repair,
→ rental,
How does the “Bank Terminal Integration” option work?
After connecting a bank terminal to Torgsoft:
- The payment amount is automatically transferred to the terminal.
- When the bank authorizes the payment, the payment and the completed sale are recorded in the accounting system.
- The program records the cardholder’s data, enabling accurate refunds to the original card, including partial refunds.
- If the Software ECR option is enabled, required terminal information is sent to the fiscal receipt.
How to order a bank terminal?
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Check with your bank manager for the protocol type and terminal model before ordering.
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If the terminal operates using BPOS, PosApi, WebSocket/JSON, SSI, SimPays/InpasEcrCom, it can be connected to Torgsoft.
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Submit a request for additional configuration to allow the terminal to work with the cash register.
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Sign a contract with the bank and complete phone registration.
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Wait for bank staff to install the terminal and follow their instructions.
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Test the terminal and connect it to Torgsoft to begin accepting cashless payments.
How to install a bank card payment terminal?
Activate the “Bank Terminal Integration” option to enable data exchange between the terminal and the software. The option can also be activated for free for 30 days.
If the terminal operates under BPOS, PosApi, WebSocket/JSON, SSI, SimPays/InpasEcrCom, InpasDualConnector_1 (for Kazakhstan):
1. Connect the terminal via Wi-Fi, Ethernet, or COM/USB.
Ethernet: the terminal must be connected to the router using a cable.
or via Wi-Fi (check with your bank).
COM/USB: the terminal must include a cable, or it can be ordered separately from the bank.
2. Request drivers and libraries from your bank:
BPOS — terminal drivers and ECRCommX.dll library.
PosApi — terminal driver (64- or 32-bit depending on Windows) and Posapi.dll (always 32-bit).
WebSocket/JSON — terminal drivers and genericDriverJsonETH.exe for Ethernet, genericDriverJsonUSB.exe for COM/USB.
SSI — drivers and AxECR2017_x990.dll library.
SimPays/InpasEcrCom — drivers and InpasEcrCom.dll library.
3. Configure the terminal according to the protocol instructions: BPOS, PosApi, WebSocket/JSON, SSI, SimPays/InpasEcrCom.
What is required for a bank terminal to work with the Torgsoft accounting system?
- Torgsoft accounting system: Start, Ultra or Terminal.
- A POS terminal operating under one of the protocols BPOS, PosApi, WebSocket/JSON, SSI, SimPays/InpasEcrCom (this information is available from your bank).
- The “Bank Terminal Integration” option — purchased separately for each cash register.
We also recommend combining the Software ECR and the bank terminal:
- The “Software ECR” option transfers bank terminal data into the ECR fiscal receipt: the main task is to include the terminal slip details in the fiscal receipt for payment identification and card charge confirmation.
Starting from Torgsoft version 2022.2.0 and above, installment and split payment support is available for PrivatBank terminals operating under BPOS and WebSocket/JSON.
In the mobile app “Torgsoft 2.0”, it is now possible to accept contactless payments via smartphone thanks to integration with the PrivatBank virtual terminal and the monobank virtual terminal. Now, a separate POS terminal is not required — payments can be accepted directly from a smartphone using the Torgsoft mobile app.
This integration works exclusively in the mobile app and is not available when working with the PC version due to restrictions imposed by PrivatBank and Monobank payment applications.
Free trial
✅ Activate the “Bank Terminal Integration” option for free for 30 days — and evaluate its efficiency for optimizing cashless payments.
To test the option for free, open the program and go to “Settings → List of additional options”. Select “Bank Terminal Integration” and click “Activate for 30 days”.
After activation, the corresponding column will show the expiration date. After purchasing the option, all previous settings are preserved.
Note: if you have previously activated this option for a free 30-day period, you cannot activate it again.
Learn how to configure the option in a few steps
Customer reviews
“Previously, sellers often made mistakes — entering incorrect amounts into the terminal or canceling payments, which wasted time and annoyed customers. After integrating the terminal with the software, everything works quickly and clearly: the amount is transferred automatically, queues have become shorter, and even new cashiers handle tasks easily,” — Olena, owner of a household chemicals store, Lubny.
“We often have situations where customers want to return goods. Previously, it was complicated — sellers had to find the card used for payment and locate the slip. Now everything is simple: the system records the payer’s data, and we make the refund to the same card. This increases customer trust,” — Dmytro, co-owner of an electronics store, Bila Tserkva.
Activate the “Bank Terminal Integration” option now — and work faster, more accurately, and with greater customer trust.
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