Merchants demand for lower-cost smart terminals with multiple services support
The high costs and lack of flexibility of traditional POS terminals have galvanized smaller retailers into using alternatives solutions to meet customer demand
terminals market
A large number of new and aggressive POS terminals vendors has occupied around half of the market share. Acquirers have access now to lower cost and high flexibility smart merchant devices. To maintain high-quality service, Acquirers desperate to have robust Terminals Management system with flexible configuration for multi-vendor support.
Silverlake
Terminal Management
The single environment for management and monitoring
of multi-vendors POS terminals, unattended self-service and payments terminals, merchants smart devices, banking agents workplaces, android smatphone and tablets app used by merchants and banking agents.
Terminal Management System
Main solution components
1
Terminals firmware
Merchant app and Terminal service app

Low-level integration with terminal native SDK, with a set of APIs for integration into the TMS which could be used to develop Merchant or Banking Agent app
2
POS concentrator
Smart connector for POS and devices

POS concentrator is responsible for all POS terminals, smart-devices and other specific vendors POS Concentrator connection to the TMS
3
Device and apps management
Terminals administration and activity monitoring

POS terminals and smart-devices registration, device configuration, application update, status monitoring, device block.

1
Firmware for merchant terminals
Merchant and banking agent apps for POS and Smart-devices
Firmware for POS terminals
Traditional POS terminals are mainly transaction-oriented terminals/devices and can process card and cardless payments in POS terminals using various POS entries:
  • Magnetic stripe read,
  • chip card (EMV standard) read,
  • Chip card read-data reliable
  • Proximity payment originating using specified chip data rules
Our firmware for POS terminals enables all TMS functionality starting with the registration of POS terminals and complete management and monitoring.
Merchant app
for SmartPoS with Android OS
More features available with smart POS with Android OS :
  • Card payments (mag. stripe, chip, contactless)
  • Utility bills &tax payments
  • Loyalty points accrual and redemption
  • Payments with verification by Fingerprint & Face recognition
  • Payments with verification by Onboarding with National ID document & ID chip reader
  • Cash-in / Cash-out support
  • Payments with QR code
  • Customers digital onboarding / eKYC
Service App for 3dr party Merchant app developers.
Acquirers can cooperate with local app developers to create a Merchant or Bank Agent application. To support this, we have developed the Service App with a set of TMS Native APIs for 3rd party Merchant app developers.

POS Service Application required to enable:
  • low-level integration with POS native SDK;
  • full support of EMV chip dual interfaces – contact and contactless;
  • Key Management with TMS;
  • Service API for customized merchant application development;
  • avoid additional terminal certification in case of changes in merchant application.

    2
    POS concentrator
    The concentrator for POS and Smart-devices is responsible for all POS terminals and smart-devices connection to TMS Device and App management.
    • Multi vendor device and multi-app support
      The TMS POS Concentrator has a multi-vendor and multi-app support. All types of devices including traditional POS, SmartPOS and SoftPOS are using POS concentrator for connection and sending information.
    • Collect payment and health-check information
      The TMS POS Concentrator is used to collect payment and health-check required information from POS terminals, Smart devices and Soft POS Apps.
    • Merge multiple POS concentrators
      The TMS POS Concentrator could merge multiple POS concentrators (including other vendors solution) and connect to the unified TMS Device and Apps management

    3
    Device and apps management
    • POS terminal initial configuration;
    • Remote Key loading;
    • Payment functional configuration;
    • Кemote updating parameters management;
    • Collection of various statistics from devices;
    • Device communication interfaces settings;
    • Devices payment configurations update;
    • Terminal checks remote configuration;
    • Device block.
    Device and Apps management features
    • Device registration
      During the registration process, the device identifying information is entered and additional operating system components are installed for remote administration and system update.
    • Device configuration
      Through the Device and Apps management administrators can remotely change device settings and parameters, including merchant logotype and POS receipt customization for a group of merchants or every merchant specific.
    • Remote application update
      Remote application update functionality allows to have on the device the latest release version, the newest feature installed over OTA / OTI.
    • Self - services Merchant Portal
      Merchants and banking agents can view statements for past periods, mini statements and transaction details in their POS, Smart-devices and Soft-POS Apps. Additionally, Self-service portal is available.
    • Realtime status monitoring
      Device and Apps management dashboard allows users to see in realtime device data, such as device information, location and usage statistics. In case the device is lost or stolen, its access to the TMS can be blocked immediately from the dashboard.
    • Access management
      Secure access to the platform with the access rights configuration accordingly to the applicable business role.
      Device and apps access rights management.
    New Terminal issuance time during merchant onboarding is critical for business
    Terminal issuance
    Digital application - web interface or smartphone app
    During the enrolment process, the Merchant will answer several questions and submit to the bank necessary data in digital format using Merchant self-service portal.
    Merchant KYC check, back-office application review
    After the Merchant digital application submitted, the bank can processes Merchant's eKYC, facial matching with the government-issued document and government central citizen registry, verify all of the collected information to approve or decline Merchant's registration.
    Smart POS terminal delivery to the Merchant
    After the eKYC processes completed and Merchant account can be created. Acquirier can ship to the Merchant Smart POS terminal.
    A local courier can deliver the smart merchant device from Acquirier to the merchant after onboarding complete
    The Merchant can self-activate Acquirer's delivered Smart POS terminal remotely in few minutes.
    Remote cryptographic keys loading to merchant terminal
    The Merchant can activate remotely Acquirer's provided Smart POS terminal or Soft-POS to download the configuration from Terminal Management. TMS provides remote loading with a set of cryptographic keys into terminals during POS terminal installation outside Acquirier premises. Merchant for remote activation would need to proceed minimum actions on the device, like the date/time and confirm remote configuration with subsequent remote keys downloading from Acquirer.

    Everyday we work hard to make life of our clients better and happier
    • Enhance service for merchants
      Field service hours are reduced to a minimum thanks to the remote configuration and key loading features. High-quality service to your merchants enables preventive maintenance and monitoring features
    • High-powered time-saver
      Silverlake TMS solution architecture is able to manage and process any number of terminals at the same time, using the required number of simultaneous connections.
      Silverlake TMS solution enables prompt terminals applications update for a complete terminal park with just a few clicks.
    • Easy to use
      A well-structured, browser-based interface makes TMS solution easy to work with. TMS solution runs on most Linux servers.
    • Secure
      Secured connections between terminal and server
      Signed software packages
      PCI-DSS compliant
    Learn more
    Learn more about our Acquiring Management Platform components
    MERCHANT MANAGEMENT
    Solution to work with merchant starting from onboarding to complex integration with internal systems
    TERMINALS & APPS
    Traditional POS, Smart POS, SoftPOS, Unattended POS terminals and software to create acquiring ecosystem
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