SoftPOS

SoftPOS turns your smartphone into a card terminal – without additional hardware.

You hold out the cell phone, the customer taps their card or smartphone on it and that’s it. What happens in the background is the same as with a classic terminal – NFC, tokenization, authorization via the acquirer. The difference: no separate device, no cable, no delivery time.

SwiPay offers SoftPOS via Softpay.io – MPoC-certified, available for Android and iOS, multi-acquirer capable.

When SoftPOS is the right choice

SoftPOS makes sense if you want to get started quickly, don’t need a fixed terminal or want to supplement an existing setup. A market stall that is only open at the weekend, a delivery service that collects payments on the go, a small café that needs a second payment method – in all these cases, a dedicated terminal is often oversized.

SoftPOS is less suitable where high transaction volumes, cash register integration via OPI or ZVT, or ep2 certification are required. A PayTec terminal is the better choice here.

SoftPOS via SwiPay – what is actually accepted

SwiPay’s SoftPOS solution is based on Softpay.io and accepts Mastercard, Visa and American Express – debit and credit. Digital wallets such as Apple Pay and Google Pay also work. Tip function, cancelation and refund are integrated.

What is not possible in Switzerland via SoftPOS: TWINT and ep2 cards such as PostFinance Card. If you absolutely need these, you need an ep2-certified terminal.

What you need to get started

A compatible Android or iOS device with NFC, the Softpay.io app and a SwiPay contract – that’s all you need. No delivery time, no installation, no technician. You can go live within hours.

Updates run automatically in the background, billing runs via TeleCash/Fiserv as with any other SwiPay terminal.

Typical application scenarios

SoftPOS is primarily used where payments are made on a mobile or situational basis:

  • mobile points of sale
  • Events and temporary sales areas
  • Delivery services and mobile services
  • Smaller businesses without a fixed cash desk
  • Supplement to existing terminal setups

In these environments, SoftPOS enables simple and flexible expansion of payment acceptance.

What is important when making a selection

With SoftPOS, it is worth taking a look at a few basic factors: Which devices are used – Android or iOS? Which cards and wallets must be accepted, are Mastercard and Visa sufficient or is PostFinance mandatory? How is the setup integrated into existing billing processes? And what is the expected transaction volume?

If you can’t answer these questions with certainty, we can help you sort them out. Sometimes SoftPOS is the solution, sometimes a terminal – and sometimes both.

Classification at the end

SoftPOS expands the possibilities of card payment with a particularly flexible variant. Instead of additional hardware, it uses existing devices and makes payment possible where classic terminals are not necessary or not practical.

If you need mobility and rapid deployment, SoftPOS is a solution that is easy to integrate while retaining the familiar payment process.

SwiPay bundles both in one contract, one statement, one contact person.