Merchants today are relying more and more on point of sale (POS) solutions and applications to run the store and make their day-to-day operations easier. Today’s POS has to be able to keep track of every product a merchant sells, from the moment it’s added into inventory, until it’s sold to a customer. And, it should have the ability to produce thousands of data points about the salespeople, customers, and how every sale occurred. It has become an incredibly powerful tool for merchants to grow their business. But between merchant expectations, and industry certifications and changing regulations, software developers have a lot to manage.
Semi-integrated POS solutions can help minimize the upfront effort and costs associated with certifications, and ease the total cost of ownership for merchants with a simple, singular interface to access all services. Rather than requiring the ISV to perform multiple certifications, the responsibility for device and platforms certification is transferred to the service provider. One example of a semi-integrated solution is triPOS from Vantiv.
triPOS was originally designed for Windows applications and quickly evolved to Linux machines. Over the last couple years, triPOS for PC has seen enormous success. Acutely aware of the acellerating demand for EMV support, Vantiv strategically designed triPOS to easily expand for greater use cases, such as cloud and mobile applications.
The architecture behind triPOS Cloud and Mobile is particularly exciting because it enables EMV without the headache that cloud and mobile bring to the integration. Before EMV came along, semi-integrated solutions were fairly easy to implement and maintain. Solutioning consisted of simple card readers, which could be used since mag-stripe is a unidirectional communication. By using keyboard emulation from the reader, such as Hosted Payments fields within a browser could be populated by the mag-stripe reader. This only required the merchant to connect the mag-stripe reader, open their browser and they were off and running. Examples of these include browsers on PC based (Windows or Linux) solutions or applications on tablet based (iOS or Android).
EMV readers on the other hand complicate things, as they require bidirectional communication to handle the negotiation with the actual EMV card. This creates a significant hurdle for cloud developers to overcome and still maintain a very seamless merchant installation, as something has to handle the bidirectional nature of EMV.
Cloud and mobile developers are now looking for solutions that solve this problem but limit the amount of installation support, time, and technical knowledge required by the merchant to a minimum. A semi-integrated solution is a great way to solve these challenges, and is the path that many developers are choosing to implement.
When selecting the right semi-integrated EMV payment solution, it’s important to consider the actual end merchant device/method desired. Cloud and mobile applications make software not just trendy, but incredibly useful.
For a true browser solution, a cloud-based application is needed; one that requires little to no installation on the merchant’s part. triPOS Cloud is a great fit, since all payment functionality actually resides in the cloud and is hosted by Vantiv Integrated Payments. The merchant only has to go through a simple two-step process to install the actual device and pair it to your cloud solution.
For a tablet-based (iOS or Android) POS some sort of native thin application is needed on the device to interface with the merchant. In this case, triPOS Mobile is required so it can be linked and installed as part of the native application, keeping the merchant experience the same as it was previous to EMV.
Finally, regardless of the form factor, developers need an easy integration that won’t overburden a majority of their time and resources. triPOS PC (Windows and Linux distributed software), derived from our existing product line, allows developers to avoid having to integrate to EMV PIN pads, code each individual payment type, build customized reporting tools and more. Instead, it is all managed by triPOS and our Express Interface. Plus, triPOS Cloud and Mobile enable instant upgrades, so your POS stays on top of the new technologies and security requirements you'll need to implement over the next few years.