Quais os serviços oferecidos pelos Terminais de Pagamento Automático?

The  automatic payment terminals (TPA) are an invaluable aid for Portuguese businesses when it comes to receiving payments from their customers, especially with the advent of new consumer habits that favour the use of cards with contactless technology and digital wallets (via apps on mobile phones).

In addition to providing faster and more secure payments, a automatic payment terminal tailored to consumers' needs helps them spend more on each purchase and guarantees more sales for your business.

For example, according to REDUNIQ Insightspayments with contactless already account for 56% of national business turnover, with 71% of transactions being carried out using this technology.

O contactlessAs we'll see later in this article, this is just one of the services offered by automatic payment terminals, but there are many more.

Automatic Payment Terminals: general services they offer to businesses

Generally speaking, the services offered by the TPA are:

  • Retailer-assisted payment for purchases

In this option, the retailer selects the payment transaction at the POS and enters the amount of the purchase. The customer then confirms the amount or not and enters the PIN (if authentication is done by signature, the customer only needs to confirm the transaction).

  • Self-service shopping

Self-service shopping payment (also known as Pay & Go) refers to a payment system carried out at automatic tills in shops or supermarkets, allowing customers to register and pay for their purchases without the direct assistance of an employee.

Customers use self-service terminals where they autonomously pass the items they have purchased through a barcode reader and make payment using various methods, such as credit/debit cards, Qr Code or MB WAY. This method is increasingly popular as it provides greater speed and convenience in the purchasing process.

  • Contactless payment

Once the amount has been entered by the retailer or by the automatic system (in the case of self-service payments in supermarkets, for example), all the customer has to do is bring their card or smartphone close to the POS for the transaction to take place. At the end, the POS will issue a receipt.

  • Purchase returns

When there is a need to return part or all of the value of a purchase, the retailer can use the POS to credit the amount to the customer's account.

For this to happen, the customer will need to use the same card with which they paid for the purchase and have information about the date and time the transaction took place, something that is usually present on the invoice they receive.

These are, generally speaking, the services normally offered by TPAs in Portugal, but with the terminals REDUNIQ Easy, REDUNIQ Smart e REDUNIQ SoftThis offer has been extended and, among other things, allows retailers to manage their entire business from the automatic payment terminal.

What's more, safety is guaranteed, as REDUNIQ is the only Portuguese acquirer with PCI-DSS certificateThis guarantees businesses and clients that their personal data and money are always safe.

What services do REDUNIQ TPAs offer?

  • TPA REDUNIQ Easy

This free terminal designed for seasonal businesses or those with lower turnover levels, it offers retailers the following services:

  • Simplified payments, via PIN or Contactlesswith credit and debit cards, national and international, by Card, Contactless and even MB WAY;
  • No commissions, fees (up to 7500 euros per month), loyalty period or minimum income;
  • The monthly fee will be based on the turnover of the business;
  • DCC - Currency ConversionThis service allows customers to pay by card in their home currency in a secure and transparent way;
  • Free access to REDUNIQ Customer Area where the retailer can manage all transactions, financial documents and other information relating to the business;
  • Communications, consumables and terminal maintenance, as well as access to the 24-hour customer helpline.

  • REDUNIQ Smart

This TPA Android is truly a milestone in the evolution of payment terminals made in Portugal, allowing retailers to make their business more mobile and digital through the following services:

  • PIN payments or Contactless through national, international and contactless cards, Google Pay, Apple Pay e MB WAY;
  • Access and visualisation of transactions carried out on the terminal screen;
  • App inclusion Instalments now in the terminal that allows its customers to pay for their purchases in between two and six monthly instalments without interest and without charges for the retailer;
  • TPA with application integration Tax Free in the terminal that saves time, resources and guarantees greater convenience for the entire purchase and VAT refund experience;
  • DCC - Currency ConversionThis service allows customers to pay by card in their home currency in a secure and transparent way;
  • Possibility of integrating specific applications for each business area which guarantees more effective management of the entire business;
  • Possibility of making returns without the card being present;
  • Sending the receipt and/or invoice to the customer's email address;
  • Parameterisation of the receipt according to the client's needs;
  • Sending terminal closing information by email or printout;
  • Back-office for managing functionalities such as remote closing, returns, transaction history, etc.

  • REDUNIQ Soft

If REDUNIQ Smart has revolutionised the way Portuguese retailers manage their business, with the REDUNIQ Soft We have truly entered a new era, as this POS works as an app that turns your smartphone into a payment terminal.

Services include:

  • Possibility for retailers to access the application on their smartphone or tablet;
  • Payments for QR Code, NFCContactless (Visa or Mastercard), mobile phone number, MB WAY, Google Pay e Apple Pay;
  • Receipt sent by email;
  • Remote returns;
  • Profile customisation; 
  • Management Backoffice.