MagicTerminal
The Inyo MagicTerminal is a comprehensive card-present payment solution designed for AFT (Account Funding Transaction) programs. It enables agents and merchants to process in-person payments for money transfers, top-ups, bill payments, prepaid card loads, and wallet funding. The terminal supports NFC (Near Field Communication) for contactless tap-to-pay transactions, as well as manual card entry for situations where contactless is not available.
Key Features
| Feature | Description |
|---|---|
| AFT-Optimized | Built for money transfer, top-up, bill pay, prepaid card loading, and wallet funding programs |
| NFC Tap-to-Pay | Accept contactless payments from cards, phones, and wearables |
| Manual Card Entry | Process transactions by manually entering card details when needed |
| Card-Present Rates | Benefit from lower interchange fees associated with card-present transactions |
| Smart Routing | Transactions are routed through the same intelligent gateway for optimal authorization rates |
| Unified Platform | Manage in-person and remote payments from a single platform |
| Real-Time Processing | Transactions are authorized and processed immediately |
How It Works
1. Customer presents card → Tap (NFC) or manual entry on the terminal 2. Terminal reads card data → Securely captured and encrypted at the point of interaction 3. Transaction processed → Routed through the Inyo gateway for authorization 4. Result displayed → Approval or decline shown on the terminal in real time 5. Webhook notification → Your backend receives the transaction result
Use Cases
- Money transfer agents — Customers walk in to fund a remittance and pay at the terminal via NFC or manual entry
- Top-up & bill pay locations — Accept card payments for mobile top-ups and utility bill payments at agent locations
- Prepaid card loading — Customers load funds onto prepaid cards at physical points of service
- Wallet funding — Accept in-person card payments to fund digital wallets
- Multi-channel agents — Combine the terminal with Payment Link for customers who prefer to pay remotely
Better Together
MagicTerminal works alongside the Payments Gateway and Payment Link to provide a complete AFT payment platform:
| Channel | Solution |
|---|---|
| API / Online | Payments Gateway API |
| Remote / Mobile | Payment Link |
| In-person / Card present | MagicTerminal |
Running all three products on the same platform increases authorization rates and revenue. The gateway's smart routing, fraud signals, and transaction intelligence are shared across all channels — meaning an in-person transaction history can improve remote authorization decisions and vice versa.
Getting Started
MagicTerminal documentation is coming soon. Contact support@inyoglobal.com to get started with MagicTerminal or to request access.