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Embedded bank card readers for professional unattended systems

Operating principle and application areas

Embedded card payment devices are designed to handle cashless transactions in vending machines and self-service kiosks in a secure, standards-compliant and user-friendly way. A single compact unit usually combines the card reader, the payment controller and the telemetry communication, supporting EMV chip, magnetic stripe, NFC, mobile wallet and QR code payments. Transactions are encrypted and transmitted to the acquirer, while sales and technical data are forwarded to a cloud-based management system. These solutions are ideal for snack and drink vending machines, coffee machines, laundromats, car washes, parking systems and ticketing kiosks, where customers expect quick, frictionless and cashless payments.

Products, functions and manufacturers

Within this category you can choose from several device families. The WHBerlin PWC100 Pay With Me QR payment module is available with MDB/Bluetooth or PULSE/BT interfaces, making it easy to retrofit existing machines and integrate new kiosks. The myPOS touchscreen card reader with MDB cable acts as a connected payment terminal with an integrated SIM card and support for contactless and chip transactions. The Nayax ONYX contactless card reader is a compact, vandal-resistant unit with a colour touchscreen, offering card and mobile payments together with full telemetry and remote management. The Nayax TOUCH all-in-one terminal adds a larger touchscreen and advanced marketing and loyalty options, while the MDB-PULSE converter module simplifies the integration of Pay With Me PWC100 QR payment systems into older vending controllers.

Key manufacturers in this field include WHBerlin, Nayax and myPOS, all of whom specialise in unattended, industrial-grade card payment devices. Popular choices from this category are the WHBerlin PWC100 module, myPOS touchscreen terminal with MDB cable, Nayax ONYX and Nayax TOUCH readers and the separate MDB-PULSE adapter. These devices differ in display size, interface options, telemetry features and commercial models, enabling operators to select the optimal combination for their specific fleet and business requirements.

Quality, service, operating conditions and financing

Because embedded payment terminals are directly linked to revenue, reliability, service and planned operation are essential. Industrial units are built with weather-resistant housings, hardened glass fronts, extended temperature ranges and remote monitoring capabilities, making them suitable for outdoor locations and 24/7 operation. Successful projects depend not only on robust hardware, but also on clear service processes, logistics and financing models.

• availability of local technical support throughout integration, certification, roll-out and operation;
• preventive maintenance with regular inspection and cleaning of housings, connectors and card entry points;
• compliance with specified environmental conditions (temperature, humidity, power supply, network connectivity) for both indoor and outdoor sites;
• adequate stock levels and scheduled deliveries for spare and expansion units in larger vending fleets;
• flexible shipping, customs handling and logistics services for national and international deployments;
• post-payment terms, invoicing in multiple currencies and banking support for multi-site projects with dozens or hundreds of terminals;
• project-specific offers that can bundle payment terminals with telemetry services, connectivity and remote management platforms.

FAQ – Embedded card payment devices for vending

• Question: How do industrial embedded card readers differ from standard retail POS terminals?
     Answer: Industrial devices are purpose-built for unattended use, with rugged housings, extended temperature ranges, MDB and PULSE interfaces, telemetry and remote management. They do not require an operator on site and are optimised for 24/7 operation in high-traffic environments.
• Question: What should you consider when selecting an embedded card payment solution?
     Answer: Key factors include supported payment methods (chip, contactless, mobile, qr code), available interfaces (mdb, rs232, ethernet, bluetooth), telemetry and remote management capabilities, as well as local service and certification support.
• Question: How does telemetry and remote monitoring help operators?
     Answer: Telemetry provides real-time visibility of sales, device status and errors, helping to optimise route planning, shorten downtime and generate accurate financial and operational reports.
• Question: Which additional features are typically available in industrial card readers but not in consumer-grade devices?
     Answer: Examples include multi-interface support, advanced telemetry and marketing tools, remote firmware updates, integrated business intelligence reports and vandal-resistant designs suitable for outdoor installation.