Universal Single Architecture POS Solution
A Universal Single Architecture POS application and SDK framework for Android-based terminals and traditional embedded POS devices, enabling seamless integration across multiple payment hardware ecosystems.
Platform Architecture Overview
ina Payments delivers a Universal POS application and SDK framework designed to operate seamlessly across Android terminals and traditional embedded POS devices. Through a portable Hardware Abstraction Layer (HAL), the platform standardises device access and enables consistent payment processing across multiple terminal families.
Card Readers
NFC Modules
Secure Elements
Card / Cryptographic Processors
Communication InterfacesApplication Layer
Transaction Engine
Hardware Abstraction Layer
Device Hardware
End-to-End SDK Architecture
From merchant application to device hardware — one unified stack.
Merchant Application
UI · Host Integration · Business Logic
POS SDK Layer
SDK APIs · ISO 8583 / Nexo Messaging · Branding Engine
Transaction Processing Engine
Chip Processing · PIN Handling · Cryptogram Generation · Risk Evaluation
Hardware Abstraction Layer (HAL)
Device Drivers · Hardware Interface · Peripheral Control
Device Hardware / OEM SDK
Card Reader · Printer · Secure Keys · Beeper / Device Controls
Core Technical Capabilities
Key platform capabilities that power seamless payment processing and device integration.
SDK Compatibility
Supports both Android and traditional POS devices, ensuring consistent functionality and behaviour across all terminal hardware families.
Hardware Abstraction
Portable HAL-based SDK enables seamless compatibility across Verifone, Ingenico, and Android OEM terminals without requiring changes to business logic.
Transaction Processing Engine
Delivers scheme-compliant chip and contactless transaction processing for reliable and deterministic payment execution across major card networks.
Host Messaging Engine
Supports configurable ISO 8583 mapping, Nexo-compatible messaging, and flexible multi-acquirer routing for efficient host integration.
Branding Framework
Enables complete UI rebranding, partner workflows, and dynamic layout customisation without modifying certified payment components.
Security Framework
Provides end-to-end security including encrypted communication, secure storage, DUKPT key management, scheme script validation, and secure PIN entry.
Extended Payment Capabilities
Additional payment features designed to enhance merchant and customer experiences.
Loyalty Programs
Wallet Payments
QR Payments
Closed Loop Systems
Promotional Workflows
Partner Integrations
Who Integrates With the Platform
Four primary integration personas, each with distinct platform needs.
Terminal Manufacturers
Require portable POS SDKs supporting Android and traditional devices.
Acquiring Processors
Manage mixed terminal fleets with universal certification.
Retail & Enterprise Integrators
Universal payment acceptance across device families.
Independent Software Vendors
Build merchant applications on certified infrastructure.
Platform Facts
Layered Platform Architecture
Core platform foundation.
ISO 8583 & Nexo Messaging
Faster acquirer onboarding.
Multiple Payment Technologies
Chip, contactless, NFC, and QR.
Full White Label Capability
Complete UI customisation.
Reduced Certification Timelines
Simplifies device porting.
Partner With Us
Customer Trust Built on Global Reach and Consistent Reliability
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OEMs Partnered
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Countries
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PSPs Partnered
