Mobile acquiring
M4Bank.MPOS system —
Is a complex solution for the launch of a turnkey mobile acquiring project.
- The solution has complete interfaces to the most common processing systems.
- 100 % ready and approved solution, which is used in Russian and foreign banks.




Mobile Acquiring technology turns any Android/IOS – smartphone into POS-terminal, with the help of which you will be able to pay by VISA and MasterCard. Payments by card have never been that easy!
M4Bank.MPOS MILESTONES
Start of mPOS development
06.2012
First mPOS project launched based m4bank.mPOS
12.2012
KCELL (Kazakhstan)
go live
go live
06.2014
Chip & Sign
devices Support
devices Support
09.2014
contactless
payments support
payments support
12.2014
Starting of Sberbank project
03.2016
M4Bank.mPOS 8 countries,
> 50 000 devices
> 50 000 devices
02.2017
1st in Russia Alipay launch
05.2017
Main Features
- VISA and MasterCard with magnetic stripe and Chip support
- The System may also include the mobile card readers
- Full range of card operations
- On-screen signature with the ability of delivering the copy of the receipt to the client.
- Customized level of access to the operations history for the Bank, Merchant and Operator.
- The Merchant's Account ensures the management of mobile terminals.
- Meets the EMV international standard for operations with Chip-cards.
Security
- Saving the address of the transaction in a database
- Meets the PCI DSS standard
- Data encryption within the card reader when swiping the card.
- Symmetric cryptographic keys are required (3DES, DUKPT)
- Additional encryption of the channel between the mobile terminal and the server
- Admin’s account with the functions of key management
- Access to the mobile app by the unique login/key
- One Account per a device
- The unique system for management the operations limit
Full range of services
- Consulting
- Integration
- Customization and implementation
- User training
- Technical support
- Regular updates
- Personal manager
Advantages
- For Bank:
- Increases the volume of non-cash payments
- Reduces the costs of providing the services and developing the terminal network
- Involving new customers
- Reduces the costs of replacing and repair POS-terminals
- Realization of additional services with the help of mobile technologies
- Customers loyalty
- For Merchant:
- Enables merchants to accept payments on the go
- Sales improvement from attracting new card-holders
- Low purchasing price
- Lower commissions (if compare with internet-acquiring)
- The client tracks the transactions, receiving the sms-notifications and receipts by the e-mail
- Reduces the costs on encashment
Supported
payment systems
Advantages
- Supports the full range of operations: Mag Stripe, Chip&PIN
- Low cost to compare with the classical POS-terminals
- Totally mobile
- EMV L1, EMV L2, PCI PTS certificates