The terminal is not prepared by the bank to work with Torgsoft: how to check this before setting up the cash register

A business owner receives a POS terminal from the bank. The terminal allows the cashier to enter an amount manually and accept card payments. The next step is to connect the terminal to Torgsoft so that the purchase amount is transferred automatically from the software. However, the checkout system cannot detect the device, or the terminal does not respond to commands. In this situation, the problem is not necessarily with Torgsoft: the bank must separately configure the terminal to work with the POS software. That is why, even before connecting the device, business owners want to know exactly what to request from the bank, how to determine whether the terminal is ready, and what to check before changing the software settings.

What Does «Terminal Ready for Integration» Mean?

A standard POS terminal can operate independently: the cashier enters the amount manually, the customer taps their card, and the bank processes the payment.

When the terminal is integrated with the checkout system, the amount is entered in Torgsoft. The software sends the amount to the terminal and receives the transaction result after the payment is completed.

For this to work, three conditions must be met: the bank has configured the terminal → Torgsoft supports the selected communication method → the terminal and checkout workstation are connected correctly.

For certain models, the Torgsoft documentation explicitly states that before starting the setup, you must make sure the bank has already enabled cash register integration mode and the required protocol. For example, this requirement applies to the Newland N950 when connecting via JSON.

The fact that a terminal can accept card payments manually does not mean it is ready to work with POS software.

What to Tell the Bank

When ordering or reconfiguring a terminal, simply saying «I need a POS terminal for my store» is not enough.

If the bank specifies a particular protocol, you should check whether Torgsoft supports it.

Torgsoft supports several integration methods, so you should not independently ask the bank to «install BPOS firmware» or «enable JSON» based solely on the terminal model. Banks may use different configurations for the same type of equipment.

What Information to Obtain from the Bank Before Configuring Torgsoft

Before a technician arrives or you begin configuring the system, you should know:

• the exact POS terminal model;

• which cash register integration protocol is enabled on the terminal;

• how the terminal connects to the checkout system: USB/COM, Ethernet, or Wi-Fi;

• whether any bank-provided drivers or libraries are required;

• which merchants are registered on the terminal;

• if several Sole Proprietorships operate in the store — whether merchants have been added for all the relevant business owners;

• whether the bank has configured not only payment transactions but also refunds, if required by the specific integration.

In this context, a merchant is an identifier that tells the bank which business owner's account should receive the transaction.

Torgsoft allows merchants to be linked to their corresponding bank accounts. For supported integrations, information about merchants registered on the terminal can be retrieved using the «Get Terminal Information» function.

How to Determine Whether the Issue Should Be Resolved with the Bank First

There are several typical situations.

The Bank Cannot Specify Which Protocol Is Configured

If the bank responds with something like «Your terminal works and accepts cards», that is not enough.

Torgsoft requires information about the specific method used to integrate the terminal with the checkout system. If the bank cannot confirm that cash register integration mode is enabled, you should first resolve this issue with the acquiring bank.

The Terminal Works Manually but Does Not Respond to the Checkout System

For example, a salesperson can enter UAH 500 directly on the POS terminal and successfully process a card payment. However, when Torgsoft attempts to send the same UAH 500 automatically, the terminal does nothing.

This is one indication that you need to check:

• whether cash register integration mode is enabled;

• whether the correct protocol has been selected;

• whether the required communication channel is working.

In this situation, you should not immediately change merchants, PECR settings, or Torgsoft financial settings.

The Computer Cannot Detect the Required Port for a USB Connection

For integrations where the POS terminal connects via COM/USB, the corresponding COM port must be available in Windows. You can find its number in «Device Manager». This port number is then used in the Torgsoft settings.

If the required port is missing, first check the cable, driver, and how the bank has configured the terminal.

However, the absence of a COM port does not mean that every terminal is «not ready»: if the model is configured to operate via Ethernet or Wi-Fi, it does not need a COM port at all.

The IP Address and Port Are Unknown for a Network Connection

When using Ethernet or Wi-Fi, Torgsoft communicates with the terminal over the network. For the relevant integration, you need to know the terminal's IP address and port.

For example, for B-POS over Ethernet, the current Torgsoft documentation specifies the terminal's IP address on the local network and port 2000.

The exact parameters depend on the protocol. Therefore, you should not open random ports on your router based on instructions found online — first determine which protocol the bank has configured.

Can You Check Whether the Terminal Is Ready Without Making a Real Sale?

Once you know the protocol and connection parameters, you can perform an initial check in Torgsoft.

For some integrations, the «Get Terminal Information» function is available. If the connection is configured correctly, Torgsoft receives information from the device, including a list of registered merchants.

This is a useful check before making a test payment.

However, if you cannot retrieve the information, you should not automatically conclude that «the bank has not configured the terminal firmware». Other possible causes include:

• an incorrect protocol selected in Torgsoft;

• an incorrect COM port;

• an incorrect IP address or port;

• a missing driver;

• local network problems;

• the terminal and computer being on different networks.

Therefore, the first step is to identify exactly where communication is failing.

What to Check for Ethernet or Wi-Fi Connections

If the bank has confirmed that the terminal is configured for network operation, you need to check the store's local network.

The computer running Torgsoft and the POS terminal must be able to exchange data. For a local checkout workstation, this usually means they are on the same network or that network access between them has been configured correctly.

It is also advisable to ensure that the POS terminal's IP address does not change after the router restarts. Otherwise, Torgsoft might connect to 192.168.1.50 today, for example, but tomorrow the router assigns the terminal a different address — and the connection is lost.

This is a matter of configuring the store's network, not the terminal's bank firmware. In the original draft, these two causes were confused: a dynamic IP address does not in itself mean that the bank configured the POS terminal incorrectly.

If Torgsoft Runs on a Remote Server

This should be mentioned before configuring the terminal.

In a local setup, the software and POS terminal are located at the same site. With RDP or VPS, Torgsoft runs on a server, while the terminal is physically located in the store.

In this case, it is particularly important to determine in advance whether the connection method selected by the bank is suitable. For some scenarios, a network connection is more convenient, while access between the store and the server must be configured separately.

Therefore, you should tell both the bank and the Torgsoft specialist right away: «The terminal is located in the store, while Torgsoft runs on a remote server via RDP».

This helps avoid configuring a solution that works well on a local PC but is unsuitable for a remote checkout workstation.

If Several Sole Proprietorships Use One Terminal

This must also be agreed with the bank before starting operations.

Torgsoft allows you to configure multiple merchants and link them to the corresponding bank accounts. However, Torgsoft cannot independently register a new merchant on the bank payment terminal.

The bank must first register the required merchants on the POS terminal. They can then be configured in Torgsoft. For supported protocols, you can check the list of merchants using the terminal information function.

Therefore, when two Sole Proprietorships share a terminal, you should test not only the first business owner's payment but also payment and refund operations for every account that will be used at the checkout.

What You Should Not Do Before Receiving Confirmation from the Bank

Avoid making random changes, such as:

• changing the protocol in Torgsoft;

• entering arbitrary port numbers;

• changing the POS terminal's service settings;

• reassigning merchants;

• searching the internet for the terminal's «correct firmware».

For example, the original draft suggested determining the terminal's readiness based on messages displayed on its screen, using a universal utility called BankTerminalTest.exe, and interpreting certain network messages as proof that the bank had not configured the terminal. I did not find sufficient confirmation of these universal rules in the Torgsoft materials I reviewed, so it is better not to include them in the working instructions.

How to Check the Terminal Before Starting Operations

The practical sequence is as follows:

1. With the bank: confirm the cash register integration mode, protocol, connection type, and merchants.

2. At the workstation: check that the terminal is accessible through the physical or network connection selected.

3. In Torgsoft: select the exact protocol configured by the bank.

4. Check the connection: if possible, retrieve information about the terminal and its merchants.

5. Make a small test payment.

6. Perform a test refund to verify that the terminal can not only accept payments but also process refunds.

If the terminal does not respond during the initial connection stage, first check the protocol, driver, or network. If these settings are correct but the bank cannot confirm that cash register integration mode is enabled, the terminal must be reconfigured by the bank.

Key Takeaways

Before configuring Torgsoft, you need more than just a «working POS terminal» from the bank. You need a terminal with cash register integration mode enabled and configured.

A business owner needs to know four things: terminal model → integration protocol → connection method → merchants.

If the bank can clearly confirm these parameters, you can proceed with configuring Torgsoft. If the terminal only accepts payments manually and the bank cannot specify which protocol it uses to communicate with the checkout system, the bank must complete the terminal configuration first.