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MOBILE ACQUIRING

M4Bank.MPOS system —

This is a complex solution for launching a turn-key mobile acquiring project.

  • The solution has a full interface to common processing systems.
  • M4Bank.MPOS is used in Russian and foreign banks.

Mobile acquiring technology makes any Android/IOS smartphone into a POS terminal. With this technology you can pay with VISA and MasterCard. Card payment has never been easier!

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  • A Fully customizable solution for banks:

    • Branded mobile app for IOS and Android
    • Branded card readers for mobile devices
    • Quick setup of automated workspace and your own apps
    • Support in AppStore and Google Play publishing

  • A Fully customizable solution for insurance companies:

    • Branded mobile app for IOS and Android
    • Branded card readers for mobile devices
    • Quick setup of automated workplace and native apps
    • Support in AppStore and Google Play publishing

  • A Fully customizable solution for SELLERS:

    • Branded mobile app for IOS and Android
    • Branded card readers for mobile devices
    • Quick setup of automated workspace and your own apps
    • Support in AppStore and Google Play publishing

M4Bank.MPOS MILESTONES

Start of mPOS development
06.2012
First mPOS project launched based m4bank.mPOS
12.2012
KCELL (Kazakhstan)
go live
06.2014
Chip & Sign
devices Support
09.2014
contactless
payments support
12.2014
M4Bank.mPOS 8 countries,
> 50 000 devices
02.2017
1st SoftPos project in Kazakhstan
2019

Main Features

  • VISA and MasterCard with magnetic stripe and chip support
  • System can also include mobile card readers
  • Full range of card operations
  • On-screen signature with the option to send a copy of the receipt to the client
  • Individual level of access to transaction history for bank, saller and operator
  • Merchant's Account provides mobile terminal management
  • Conforms to the international EMV standard for chip card transactions

Security

  • Saving transaction address in the database
  • PCI DSS standard compliant
  • Data encryption in the card reader during card swipe
  • Symmetric cryptographic keys are required (3DES, DUKPT)
  • Additional encryption of the channel between the mobile terminal and the server
  • Administrator account with key management features
  • Mobile app access with unique login/key
  • One account per device
  • Unique system for controlling transaction limits

M4Bank was included in the Global Map of mPOS providers and solutions in December 2012

Self-certified providers of mobile POS solutions

Full service

  • Consulting
  • Integration
  • Configuration and implementation
  • User training
  • Technical Support
  • Regular updates
  • Personal manager

Advantages

  • For the bank:
  • Increases the volume of non-cash payments
  • Less cost of services and development of the terminal network
  • Attracts new clients
  • Lower costs of POS-terminals replacement and repair
  • Additional services with mobile technologies
  • Customer loyalty
  • For merchants:
  • Allows sellers to accept payments on the go
  • New cardholders increase sales
  • Lower buying price
  • Lower fees (as compared to Internet acquiring)
  • Client watches transactions in sms notifications and gets a receipt via email
  • Lower collection costs

Supported
payment systems

  • SPm2

    Spire SPm2

    • Compact and easy to use design.
    • Connects to your mobile device via Bluetooth Class 2.1 + EDR & Bluetooth 4.x
    • Power via Micro USB
    • Visa Ready, Mastercard mPOS, Apple iOS MFI PCI PTS 4.x SRED, EMV Level 1 & 2, EMV L1 Contactless, PayPass, PayWave, CE, RoHS, TQM Magstripe & Chip Card Reader & NFC

    Supports Android, Apple iOS and Windows Mobile, Bluetooth connection

  • SPm20

    Spire SPm20

    • Compact and easy to use design.
    • Connects to your mobile device via Bluetooth Class 2.1 + EDR & Bluetooth 4.x
    • Power via Micro USB
    • Visa Ready, Mastercard mPOS, Apple iOS MFI PCI PTS 4.x SRED, EMV Level 1 & 2, EMV L1 Contactless, PayPass, PayWave, CE, RoHS, TQM Magstripe & Chip Card Reader & NFC

    Supports Android, Apple iOS and Windows Mobile, Bluetooth connection

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    Ingenico/RoamData RP750

    • Magstripe &Chip card reader
    • Connects to mobile device via Bluetooth 2.1 and Bluetooth 4.0 and audio jack
    • Power via Micro USB
    • Supports NFC technology
    • Visa Ready, EMV Level 1 & 2, PCI PTS 3.1 with SRED CE, FCC approved

    Supports iOS and Android -Audio jack, iOS (above iPhone 4s and iPad 3 included), Android-Bluetooth connection

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    Ingenico ICMP

    • Magstripe &CHIP Card Reader
    • Accept all payment methods including EMV Chip & PIN, Magstripe & NFC / Contactless.
    • Connect iCMP to any iOS or Android-based tablet or smartphone via Bluetooth.
    • Meets all payment and security standards: EMV level 1, EMV level 2, PCI PTS 3.1, Visa Ready, PayPassTM 2.1, payWave 2.1.1. and many more.
    • Embedded Bluetooth technology enables effortless connectivity to external devices(Bluetooth 2.1 and Bluetooth 4.0)
    • Power supply via USB cable

    Compatible with iOS (iAP integrated) and Android devices, connected via Bluetooth

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    EMVSWIPE

    • Magstripe&Chip card reader
    • Connects to any iOS or Android tablet or smartphone via audio jack
    • No PIN code entry
    • Power via USB cable
    • EMV Level 1 and Level 2 approved
    • Other certifications: FCC, CE, PBOC Level 1

    Supports Android 2.1 and later, iOS 3.2 and later.

M4Bank. The MPOS system supports PCI-PTS SRED certified mobile PINPADs. The idea of the solution is that the pre-transaction data is generated on the smartphone (transaction type, merchandise and transaction amount) and then sent to the mobile PINPAD. PINPAD processes the card and sends the encrypted data to the smartphone to form the transaction. Innovative solutions are in demand because of the high competition in the acquiring services market. Mobile PINPAD is one such solution.

Advantages

  • Supports a full range of operations: Mag Stripe, Chip&PIN
  • Low cost vs. classic POS-terminals
  • Fully mobile
  • EMV L1, EMV L2, PCI PTS certificates
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