A POS solution for banks has to serve two audiences: the merchant at the counter and the bank's own teams behind it. Finoserv designs, builds, integrates and runs merchant technology for banks, acquirers, payment facilitators and telecoms. Acquiring, settlement and card network membership are regulated activities, carried out by the bank or the licensed acquirer, which also sets merchant risk policy.
SoftPOS and tap to phone payments
Many small merchants would rather use a phone than buy a terminal. We build SoftPOS apps that turn an NFC-enabled Android phone into a card acceptance device, along with the PIN entry and security components the acquirer's certification path requires. Certification is completed by the acquirer with the card networks and an accredited lab; we prepare the build and the documentation for it and fix what testing finds.
Terminal software and QR payments
For merchants on Android POS terminals, we build payment apps and value-added apps such as invoicing, tips and simple inventory. QR payments on local schemes run alongside cards, so one sales report covers every method a customer used.
Merchant acquiring platform
Behind the counter, the bank needs to onboard merchants, manage terminals and settle funds. We build digital merchant onboarding with business verification through your chosen vendor, a terminal management system, settlement and fee reports, and dispute handling that follows the acquirer's chargeback process. Relationship managers get a portfolio view of merchants by volume, risk and product.
Loyalty programme platform and merchant lending
Merchants tend to stay with a bank that helps them sell more. We build loyalty programmes with points, cashback and offers that the bank or the merchant funds. Sales data from the POS can also support merchant lending offers made by a licensed lender, with repayment taken as a share of daily settlement where the lender's product allows it. The lending side runs on our digital lending platform.
Delivery
Discover takes two to four weeks and covers device choice, certification steps, local schemes and the acquirer's host integration. It ends in a fixed quote. Build runs in two-week cycles with a working demo each time. For banks that also reach unbanked areas through agents, our agency banking software runs on the same Android devices, so one estate of hardware can serve both.