Transaction Processing only (by contract)

Pay. also supports transaction processing contracts for terminals that are not directly managed within the Pay. platform. This setup allows partners and merchants to connect their own payment terminals (for example, but not exclusively CTAP terminals) while still processing the funds through Pay.

How it works

• Existing hardware – You use your own payment terminal if it supports acquiring hosts such as CCVPAY(debit/credit) or Equens (debit only).
• Contract setup – A processing contract (TID/MID) is provided by Pay. so it can be configured by your terminal supplier.
• Transaction flow – Transactions are processed by the acquiring host, while Pay. handles fund settlement and reconciliation once the amounts are credited to our safeguarded account.
• Visibility & reconciliation – Because Pay. only receives data once the funds have been settled by the acquiring host, transactions become visible in your Pay. dashboard after the incoming credit is received.
  This means there can be a delay between the moment of payment on the terminal and the appearance of that transaction in your reports.
• Monthly fee – A fixed monthly fee applies per active terminal.

Settlement timing

The timing of when you see funds and related data depends on the payment method:

Because transactions only become visible once the settlement has arrived, your reconciliation and clearing schedule will reflect these processing times.

When to use this

• You already have terminals in use and don’t want to migrate them into Pay.’s full management environment.
• You’re a partner with an existing install base but still want to route transactions via Pay. for unified settlement and reporting.

Benefits

✅ Continue using existing terminals
✅ No full migration or hardware replacement required
✅ Simplified onboarding for partners with their own fleet

Limitations

⚠️ No full transaction detail or webhooks (exchange) in the Pay. platform available
⚠️ Reconciliation data only (no real-time API sync within the Pay. platform)
⚠️ Technical configuration required for TID/MID setup

Steps to activate

1. Check if your terminal supports CCVPAY and/or Equens as Acquiring Host.
2. Check if the party that handles the support of your terminals allows changing
3. Request a Transaction Processing Contract via https://shop.pay.nl
4. Load the provided TID/MID onto your terminal (via the TMS or your POS vendor).
5. Start accepting payments. The funds will now flow via Pay.
6. View settlement and reconciliation details in your Pay. dashboard once credits are received.