Consumer taps payment card on merchants device.
PhonePOS processes the payment securely and quickly.
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That’s typically all you need, as the NFC-enabled device itself acts as the payment terminal.
Smartphone or Tablet: A device with NFC (Near Field Communication) capability to read contactless cards and mobile wallets.
Internet Connection: Wi-Fi or mobile data to process transactions and communicate with the payment gateway.
Software/App: A compatible PhonePOS application provided by Your payment service provider or acquirer. Usually, users can download from Google Play Store which is an online platform for digital content for Android devices.
To install and run PhonePOS app on your device, the minimum requirements are needed:
Your payment service provider or acquirer will provide you with your individual contact information for your solution.
· If you need general help with Rubean PhonePOS solution our support team at support@rubean.com will assist you.
· If you need help integrating the PhonePOS solution, please contact SDK Integration Support. (sdk-integration-support@rubean.com)
Setting up the PhonePOS app on your device typically involves a few straightforward steps, though specifics may vary slightly depending on the app and your device’s operating system. Here’s a general guide that should help you get started:
APK version SETUP:
Download/Get “PhonePOS” app with official name from your payment service provider or acquirer account or public on Google Playstore to be downloaded.
Tap on the app and then tap “Install”.
Initial Setup: Upon opening the app for the first time, you may be prompted to set up your individual account. This typically involves providing some basic information such as your Terminal ID and password. Please refer to your Account Manager from payment service provider or acquirer side for detailed information.
SDK version SETUP:
The PhonePOS app is integrated into the Partner’s ECR (Electronic Cash Register) app and is available for download through official channels.
To install, simply tap the app icon and select “Install.”
Initial Setup: When launching the app for the first time, you’ll be prompted to configure your account by entering the credentials provided under your contractual agreement. For further details, please contact your Account Manager.
There are strong security measures that are placed when using PhonePOS. The Mobile Payments on Commercial Off-The-Shelf (MPoC) standard is a framework developed by the Payment Card Industry Security Standards Council (PCI SSC).
It is designed to facilitate secure mobile payment acceptance using Commercial Off-The-Shelf (COTS) devices, such as smartphones and tablets.
Key Features of MPoC:
Security: Ensures that mobile devices used for payments are secure, protecting cardholder data and minimizing fraud.
Flexibility: Allows various types of payment acceptance methods, including PIN entry and contactless payments, on the same device.
Compliance: Helps merchants and payment solution providers meet PCI DSS requirements while using mobile devices.
The MPoC standard helps make sure that paying with your smartphone or tablet is as secure as using a traditional card reader.
Our MPOC apps require mandatory updates every three months to maintain security and address potential vulnerabilities.
For comprehensive information, resources, and documents related to MPoC, you can visit the PCI Security Standards Council’s official site at: https://www.pcisecuritystandards.org/
The measurements that need to be taken into consideration are listed below.
· USB-Debugging must be turned off
· ADB should be disabled
· Device must not be rooted
· Magisk must not be installed
· Frida must not be installed
Check the following steps:
· Check Internet Connection: PhonePOS requires an internet connection for transaction processing. Ensure your device is connected to Wi-Fi or mobile data.
· Restart the App: Close and reopen the PhonePOS app to resolve temporary issues.
· Reboot Your Device: Sometimes a device restart can resolve app launch problems.
· Update the App: Ensure you are using the latest version of the PhonePOS app. Go to the Google Play Store to check for updates.
· Clear App Cache (Android): If you’re using an Android device, clearing the app’s cache in Settings > Apps > PhonePOS can help.
Our solution supports contactless, NFC-based POS acceptance for the following card brands and e-wallets. But this can also be restricted by your Payment Service provider and/or acquirer, so please also consult with them
· Apple Pay
· Diners
· Discover
· Girocard
· Google Pay
· Maestro
· Mastercard
· Pulse
· Samsung Pay
· VISA
· VISA Electron
· VPAY
The solution itself has no restrictions. Restrictions may come from the payment service provider, acquirer or the payment method/card type used.
· Limits on transaction amounts, frequency, types of transactions or currency can differ.
· The payment service provider or acquirer can help here. If a digital wallet is used, it is also advisable to obtain information from the respective provider.
A contactless payment limit, also known as a cardholder verification method (CVM) limit, is the maximum amount your customers can spend with a contactless card before needing to provide a PIN. These limits help protect against fraud and vary by country or can be set by the issuing or acquiring bank. When customers use a digital wallet on their mobile phone for contactless payments, two-factor authentication is usually required, and there is no contactless payment limit.
Example:Limits for Germany, France, Italy, Spain 50 EURLimits for Hungary are: Plastic cards: 15000,00 HUF, Wallet: 999999,99 HUF (e.g. GooglePay)Limits for Czech Republic 500 CZKUnited Kingdom 100 GBPIf a card hasn’t been read, try these steps:
Check the following steps:
This message indicates that the system has detected a potential issue with the device. It could be due to hardware problems, outdated software, or unusual activity.
The mobile device must remain in a secure state. Rooting, ADB debugging, or any methods that compromise security are prohibited. The PhonePOS SDK & APP ensure a secure environment for accepting contactless payments. Processing on devices that do not meet the strict security requirements is halted. Please check if no security compromising processes/methods/permissions are enabled on the device and the application is updated to the latest version. After that please try to:
If these did not help to resolve the issue, please contact the customer support of your Payment Service Provider or support@rubean.com for conducting further investigation.
Check the following steps
Check the following steps:
Check the following points:
A technology that enables contactless payments by allowing the chip of a payment card to communicate with a reader over short distances.
Almost all new smartphones today come with a 64-bit chipset. Since around 2015, major brands like Samsung, Apple, and Google have switched to 64-bit processors in their devices.
For Android:
For Apple:
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Rubean AG is a multinational fintech company based in Munich, Germany, and the leading provider of pure software point-of-sale solutions for banks, acquirers and merchants.
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