Our smartphone as a payment terminal

Merchants can now accept contactless cards, digital wallets and wearables via smartphones to pay for services and goods. The solution uses the Tap to Phone technology, which does not require additional external devices to the smartphone.

TRANSENIX is an innovative system that allows merchants to accept contactless payments directly on their NFC-enabled smartphones. TRANSENIX solution makes it possible to use modern smartphones and tablets as a payment terminal. Customers can make contactless payments using their physical cards, mobile wallets and wearable devices.

How it works

  • 1. The merchant indicates the amount of the transaction in the application
  • 2. The client applies a card or gadget for payment to the Merchant's smartphone
  • 3. The transaction is processed by the Acquiring Bank and reports the result (successful)
  • 4. The Merchant, at the request of the Client, sends an electronic check to the mail or messenger

Meets high security requirements


  • Complies with payment system requirements and standards: CPoC (Contactless Payments on COTS), PCI-DSS
  • Sensitive card’s data is not stored on the device
  • A dedicated secure environment is used to store security keys.


  • Remote merchant registration (activation / deactivation)
  • Transaction types: Purchase, Reversal, Refund
  • Collecting transaction statistics
  • Requesting and displaying transaction history
  • Providing an electronic receipt via SMS, E-MAIL, QR-link
  • Configuring application settings


  • The merchant’s mobile application accepts contactless cards and tokens from mobile wallets like Apple Pay or Google Pay.
  • Payment pre-processing is performed by TRANSENIX AMS (Applications Management Server)
  • The merchant’s mobile device should be connected to Internet


Benefits for the Bank

  • Creates an innovative image
  • No costs for any additional devices and their logistics
  • Advanced merchant monitoring mechanisms
  • Automation of merchant registration processes
  • Extensive automatic capabilities to block the application in case of detection of any active threats
  • Device usage history monitoring

Merchant Benefits

  • The mobile application does not require additional devices
  • Creates an alternative payment method
  • Creates an innovative image for your business
  • The mobile application is always available for work 24/7
  • Registration and activation in three clicks
  • Intuitive user interface
  • Merchant can view transaction history