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Merchant Payment Solutions

Pay Digitally, with Any Card, Any Wallet, Any Bank... instantly!

Transform your smartphone/tablet into a POSdevice

Estel’s m-POS Solution is a is a unique, cost-effective mobility solution that allows smartphones and tablets to be used as Mobile POS (mPOS) systems, with the same capabilities as traditional POS (Point of Sale) terminals to accept & process card based payment transactions.. It enables retailers to open a new channel of service for their customers. The solution diminishes long queues, while providing extended product information to aid selling and enhancing the shopping experience.

Estel m-POS Solution is a high availability, robust and flexible solution that can be integrated either with an acquiring bank’s switch or Payment Service Provider’s switch. The distributed architecture is scalable both vertically and horizontally – from catering to thousand customers to millions at a nominal cost

Business benefits

  • Penetrate new merchant segments
  • Lower card acceptance costs
  • Improved cash flow
  • Anytime, anywhere card acceptance
  • Access to real time transaction reports
  • Increase card payments transaction volume
  • Wide availability of merchants accepting cards
  • Cashless environment
  • Paperless environment (e-Receipts)
  • Accepts both magnetic stripe & EMV (chip & PIN) cards

Technical Benefits

  • Multi-device platform support
  • Minimal investment on initial infrastructure
  • Leveraging business logic / rules available from existing POS system
  • No separate database required
  • Easily customizable client-side user interface (UI) framework

With governments globally pushing cash-less transactions & with the Fintech revolution sweeping all markets, customers now have a plethora of options to make merchant payments, such as:

  • Credit cards
  • Debit cards
  • Plastic & Virtual cards
  • Closed loop / gift cards
  • Direct bank debit via Mobile Banking
  • Mobile wallets / Mobile money
  • QR code
  • Contactless payment and online modes

This has led to chaos for merchants, as they are often expected to keep multiple devices to accept payments from all these methods. Not accepting all methods of payments can lead to opportunity loss for merchants, which is not acceptable in these hyper competitive times.
Estel Merchant Payment Aggregator solution simplifies the payment process for merchants, enabling them to accept digital cash-less payments from all sources via a single App & device!

This opens opportunities for Payment Service Providers (PSPs) to acquire merchants, using Estel solution, offering them aggregation of all digital payment methods in a single app, with single window merchant management & settlement!


  • Single device for all digital payments
  • Single window management & settlement
  • Lower acceptance costs
  • Assists in spread of cashless economy

Supported Use cases

  • Sales
  • Void
  • Refund
  • Cash Back
  • Cash advance
  • Top up
  • Bill Pay