Integration with a bank terminal — is an additional Torgsoft option that automatically sends the purchase amount to the POS terminal directly from the program, without manual entry by the cashier. It is needed when a store actively accepts card payments and it is important that the amount on the terminal always matches the cash register.
The option is suitable for retail stores, service points, and businesses with several sole proprietors at one checkout, where manual amount entry causes errors, complicated returns, and the risk of staff abuse. The cashier completes the sale in Torgsoft, the amount appears on the bank terminal, the customer pays by card or phone, and the result returns to the program and is recorded on the settlement account.
As a result, you eliminate manual amount entry and discrepancies between the cash register and acquiring, get correct refunds to the card of the original payment, transfer payment data to the fiscal receipt, and protect against schemes involving a «terminal failure». The option supports common protocols of Ukrainian banks, works with Torgsoft Start, Ultra, and Terminal licenses, and is connected separately at each checkout workplace. The license is valid for one year.
The amount is sent to the terminal automatically, without manual entry
Torgsoft sends the exact amount to the POS terminal, receives the bank's response, and records the payment in accounting.
What integration with a bank terminal is
A POS terminal accepts bank card payments for goods and services. Without connection to the program, the cashier enters the amount on the terminal manually: this is a separate action where it is easy to make a mistake and difficult to process refunds. The «Integration with a bank terminal» option connects the terminal to Torgsoft, so the amount is sent to the device automatically, and the bank's response returns to the program and is recorded in accounting.
Basic concepts
POS terminal
A device for accepting card payments for goods and services.
Acquiring
A bank service for accepting card payments and the bank commission on payment.
Merchant
A sole proprietor profile in the terminal: which account the payment should be credited to.
Slip receipt
A terminal receipt with transaction data that can be printed in the fiscal receipt.
Protocol
A method of data exchange between the terminal and the cash register: BPOS, PosApi, WebSocket/JSON, and others.
Smartphone payment
Accepting contactless payments by phone without a separate POS terminal.
Who this option is for
Retail stores
Many card payments every day, where the cost of a cashier's mistake is high and the checkout queue is critical.
Service and repair
Payments for services and spare parts where correct refunds to the payment card are required.
Several sole proprietors at one checkout
Several entrepreneurs work at one location, and payments need to be credited to the correct account.
Business with software fiscal registrar
Payment terminal data needs to be automatically included in the fiscal receipt without manual rewriting.
Who does not need it. If you accept only cash or work without a checkout workplace, the option will not be useful. Card payments can be accepted without it: then the cashier manually enters the amount on the terminal, waits for bank confirmation, and only then marks the sale as paid.
When to connect it immediately
- card payments account for a noticeable share of revenue;
- there are amount errors or difficulties with refunds;
- several sole proprietors work at one checkout;
- you use Software fiscal registrar, and payment data must be included in the fiscal receipt.
What tasks the option solves
What it looks like before and after
Before
The cashier enters the amount on the terminal manually, checks it against the cash register, and copies the details into the receipt. A card refund is a separate hassle with searching for payment data.
After
The amount goes to the terminal automatically, the payment is recorded in accounting, the data is included in the fiscal receipt, and the refund is made to the card or transaction of the original payment.
How it works: 5 steps
Option activation. In the «Settings — List of additional functions» menu, select «Connecting a bank terminal» and click «Activate» or «Activate for 30 days», then restart the program.
Terminal connection. Connect the device via Wi-Fi, Ethernet, or COM/USB and install the drivers and libraries of the corresponding protocol from the bank.
Payment. During the sale, the cashier sets the «Use connection with the bank terminal» switch and clicks «Pay» — the amount is sent to the device.
Bank confirmation. After successful authorization, Torgsoft records the payment on the selected settlement account. The actual crediting of funds by the bank takes place according to acquiring rules.
Receipt and refund. If the Software fiscal registrar is connected, payment data is printed in the fiscal receipt. The refund is made to the card or transaction of the original payment linked to the sale.
Important. For slip receipt data to be printed in the fiscal receipt, the terminal must be configured to return receipt information to the cash register. Terminals of some banks do not do this by default, so this issue is resolved with the bank that services the terminal.
Try it in your store
Activate the «Integration with a bank terminal» option free of charge for 30 days, connect your terminal, and run test payments and refunds on your own equipment.
Option capabilities
Scenarios by niche
Cosmetics store
A high flow of card payments and frequent returns. The amount goes to the terminal automatically, and funds are returned to the payment card, reducing disputes with customers.
Service center
Payment for repairs and spare parts goes through the terminal with accounting registration, and the data is included in the fiscal receipt without manual rewriting.
Shared location of several sole proprietors
One terminal serves several entrepreneurs: according to configured merchants, Torgsoft sends the payment to the corresponding account. The terminal and merchants are configured by the bank.
Example
Illustrative scenario. A household chemicals store accepted cards in manual mode: cashiers sometimes entered the wrong amount, and cancellations had to be made, delaying the queue. After connecting the terminal to Torgsoft, the amount began to be sent automatically.
Refunds also became simpler: the program records payment data during the sale, so funds are returned to the card of the original payment without searching for the receipt. New cashiers learn the checkout faster because there are fewer manual actions.
Smartphone instead of a stationary terminal
If a stationary POS terminal is not needed, payments can be accepted with the seller's smartphone with an NFC module. The customer taps a card or phone to the smartphone, and the amount is sent from the program automatically. The scenario works through the «Torgsoft 2.0» mobile app and is available for three banks.
PrivatBank
The «Terminal» app (Tap to Pay) on Android and iOS. An integration key from the «Terminal — Integration» account is required.
monobank
The tapXPhone app on Android and iOS. API key, login, and terminal identifier are required.
Oschadbank
The OschadPAY app on Android with NFC. Authorization token and client identifier are required.
What is required for work
- the seller's smartphone with an NFC module;
- active «Torgsoft mobile app» option and installed «Torgsoft 2.0» app;
- active «Integration with a bank terminal» option;
- acquiring arranged with the bank, the bank app on the smartphone, and integration keys;
- integration keys entered in «Torgsoft 2.0» in the settings of the «Sale» or «Return» mode.
During a sale, the cashier presses non-cash payment with the connection to the terminal enabled — the amount is sent to the bank app. The customer taps a card or phone, the bank confirms the transaction, and payment data together with the slip receipt returns to Torgsoft. If the Software fiscal registrar is connected, this data is also included in the fiscal receipt.
The smartphone payment scenario works only in the «Torgsoft 2.0» mobile app. It is not available in the desktop version for Windows due to restrictions of the bank payment apps.
Which options and equipment it works with
- Software fiscal registrar — prints payment terminal data in the fiscal receipt.
- PrivatBank virtual terminal and monobank — accepting payments by smartphone in the mobile app.
- How to work with a bank POS terminal — step-by-step work at the checkout.
- POS terminals of Ukrainian banks using BPOS, WebSocket/JSON, PosApi, SSIAxECR, SSI_JSON, SimPays/InpasEcrCom, and other protocols;
- connection via Wi-Fi, Ethernet, or COM/USB;
- a smartphone with NFC instead of a separate terminal in the «Torgsoft 2.0» mobile app.
Comprehensive automation. Together with the Software fiscal registrar, the option covers the full non-cash payment cycle: from sending the amount to the terminal to a fiscal receipt with payment data.
Price and connection terms
- Licenses. Torgsoft Start, Ultra, or Terminal.
- Connection. The license is paid annually and purchased for each computer or device regardless of version. Available from Torgsoft® version 9.3.6 (DB 472) and newer.
- Demo version. Free for 30 days, activated for this option once.
How to connect
- Check the terminal model and protocol with the bank, order a connection with access to the cash register.
- Activate the option in the «Settings — List of additional functions» menu and restart the program.
- Connect the terminal, install the protocol drivers, and run a test payment.
Frequently asked questions
What does integration with a bank terminal in Torgsoft provide?
The option automatically sends the purchase amount to the POS terminal directly from the program, records the payment in accounting, and returns funds to the card of the original payment. This eliminates manual amount entry and discrepancies between the cash register and acquiring.
Is it mandatory to buy the option to accept card payments?
No. Card payments can be accepted without it: the cashier manually enters the amount on the terminal, waits for bank confirmation, and only then marks the sale as paid. But this is slower and carries a risk of errors.
Can the option be tested before purchase?
Yes. The option can be activated free of charge for 30 days, you can connect your terminal and run test payments and refunds. The demo version for this option can be activated once.
Which Torgsoft licenses does the option work with?
The option is available with Torgsoft Start, Ultra, and Terminal licenses. It is purchased separately for each checkout workplace where the terminal is installed.
How are funds refunded to a card?
A refund through the terminal is made to the card or transaction of the original payment linked to the corresponding sale. If goods are from different sales, they are processed separately. It is not possible to refund more than was paid by the receipt; partial refund is possible.
We have two sole proprietors at one checkout. Do we need two terminals?
No. One terminal can be configured for several merchants. According to configured merchants, Torgsoft sends the payment to the corresponding account. The terminal and merchants must be correctly configured by the bank.
How does the option help with the Software fiscal registrar?
Payment terminal data is printed in the software fiscal registrar's fiscal receipt if the terminal returns receipt data to the cash register. The cashier does not need to manually copy details from the slip receipt.
How to protect against schemes involving a «terminal failure»?
In the seller role permissions, you can disable the setting «Allowed not to use connection with the bank terminal». Then a non-cash payment cannot bypass the device.
Is installment sale supported?
Yes, for PrivatBank terminals using B-POS and WebSocket/JSON protocols, the «Payment in installments» and «Instant installment» services are available.
Can payments be accepted by smartphone instead of a terminal?
Yes, but only in the «Torgsoft 2.0» mobile app through integrations with PrivatBank, monobank, and Oschadbank (OschadPAY). This function does not work in the desktop version due to restrictions of the banks themselves.
Which terminal protocols does Torgsoft support?
BPOS, WebSocket/JSON, PosApi, OschadPAY, SSIAxECR, SSI_JSON, SimPays/InpasEcrCom, and others. The specific option depends on the bank and terminal model, so check the protocol type with the bank before ordering.
Does the terminal work if Torgsoft is launched through Remote Desktop (RDP)?
Yes, but there is a nuance: when working through RDP, the payment may go through on the terminal but not be recorded in Torgsoft. In such cases, connection via Ethernet or WebSocket and the corresponding setup help. Details are agreed with technical support and the bank.
Go back to the previous step