Fintech

In-person payments and processing with POS, mPOS, and tap-to-pay

We create in-person payment solutions with POS, mPOS, and Tap-to-pay for credit and debit cards, as well as digital wallets.

At Crombie, we collaborate with our partners to develop a solid infrastructure capable of processing payments in physical environments. We integrate magnetic stripe technologies, EMV chip, and contactless methods (NFC, QR, Tap-to-Pay), ensuring maximum efficiency in every transaction.

With a good strategy, you would avoid…

Customer loss due to long payment wait time

We optimize transaction speed and stability, processing payments in milliseconds. As a result, we eliminate long queues and unnecessary waiting times.

Lack of compatibility with modern payment methods

We ensure the acceptance of contactless cards, QR payments, Apple Pay, Google Pay, and Tap-to-Pay. This allows business to expand their customer base and stay up-to-date.

High operational costs and manual reconciliation

We reduce costs by integrating payments directly from acquirers and banks. Additionally, we automate financial reconciliation to enhance operational efficiency.

Fraud risk in physical terminals

We protect transactions with end-to-end encryption, tokenization, and real-time monitoring, securing POS devices against fraud and cyber threats

Lack of stability for business with multiple branches

We facilitate the centralized management of multiple points of sales, enabling seamless payment administration across physical stores, branches, and events simultaneously.

In-person payments use cases

Retail with contactless payments and loyalty programs

We develop smart POS terminals for supermarkets and convenience stores. These solutions support NFC and QR payments, offering automatic cashback to digital wallet users. Additionally, we integrate loyalty programs that allow customers to redeem points and apply discounts in real time.

Restaurants and cafés with mobile POS and digital tip collection

We develop mobile POS terminals for restaurants and bars, enabling payments at any table via cards, QR, or Tap-to-Pay. We also integrate digital tipping systems that allow customers to automatically add a percentage before completing the transaction.

Payment solutions for transport and toll systems with Tap-to-Pay

We develop contactless payment solutions for toll roads, public transportation, and parking facilities. These solutions eliminate the need for physical tickets and cash payments, improving the passenger flow and reducing operational costs. Additionally, we enable seamless integration of local transit cards and digital wallets.

Acquiring platform with split payments and multi-merchant support

We launch acquiring platforms that enable split payments for purchases with multiple providers. These solutions allow users to make a single payment while the system automatically distributes the revenue among the associated businesses. This enhances customer experience and simplifies reconciliation.

We are specialists in…

Developing and integrating customized POS systems.

Directly integrating with market-lead payment processors.

Optimizing operational costs through direct connections with acquirers and banks.

Centralized management of POS terminals and multiple points of sales.

Ensuring compatibility with contactless payment methods, including NFC, QR, Apple Pay, Google Pay, and Tap-to-Pay.

Automating financial reconciliations and generating real-time financial reports.

Monitoring transactions in real time to efficiently detect and prevent fraud.

Ensuring compatibility with BNPL and installment payments at the point of sale.

How can in-person payments boost your business?

Businesses require fast, secure, and flexible payment solutions that keep up with current market trends. Without an optimized infrastructure, they risk losing customers, facing higher operational costs, and struggling to compete with emerging payment technologies.

We have been able to deliver in record time MVPs for two different platforms for our client. Crombie has been one of those partners that has been able to adapt to our needs. It has been a very good team player for us.

—

Juan Carlos Carrion

Chief Product Officer at Skylight Lending