Card acquiring for rentals: connecting the bank terminal to your CRM

When the amount is typed into the terminal by hand and "paid by card" is marked in the CRM separately, mistakes follow: a wrong amount, a forgotten payment, a cash refund instead of a card one. Linking the terminal to the CRM removes the manual step.

What should work

• The amount goes to the terminal from the rental or order card
• A "Present the card" window with Cancel instead of a frozen program
• Cancelling a payment in the CRM refunds the card through the terminal
• End-of-day settlement
• RRN and authorization code are stored with the payment

Which terminals fit

Sberbank installs UPOS (sb_pilot); VTB, Gazprombank and many other banks install Ingenico ARCUS2. Both are command-line programs, so the CRM only needs the path to the bank's program. Other SDKs connect through a small module with an open protocol.

Before going live, run a test payment, refund and settlement on the real terminal: operation codes sometimes differ between bank builds.