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Clear the clutter, optimize the payment process

Operational efficiency. Centralize management of payment terminals. Add a store or a new bank partner in no time. Use your own business and financial rules to set up automatic transaction routing. Enjoy centralized reconciliation.

Cost efficiency. Integrate multiple banks, multiple payment methods, multi-currency, multiple channels into one payment terminal. Remove human errors by connecting the payment terminal with the cash register.

Turn any bank card into a loyalty card

As a standard functionality, Symphopay integrates transactions, installment loans and both bank and merchant loyalty programs into one single terminal. So you can easily onboard your customers, simplify access to their bank card benefits and thus smoothly integrate your loyalty program with Symphopay.

Installment-ready. Be ready to accept bank, MasterCard or Visa installment programs.

Benefits-ready. Provide your customers access to the benefits they enjoy through their bank loyalty programs (such as AlphaShop, StarBT, etc.).

Wallet-ready. Accept alternative payment methods as ApplePay, Google Wallet, Samsung Pay, etc.

Multi-business payment acceptance for couriers

Allow multiple businesses to accept payments at a single terminal. Each business can have its own routing systems to different banks and/or accounts. Partners and e-commerce affiliates adopting this payment method will enjoy a direct flow of discounting from banks as part of the system, thus gaining even more flexibility and control upon managing the entire process.

Case study

FAN Courier is the first delivery company to make credit card payment available for its clients in multi-banking, multi-merchant system.


Real-time transaction report

Make informed decisions based on your in-depth grasp of relevant transaction details such as: merchant transaction ID, card type, acquiring bank, transaction amount, transaction type, RRN, issuing bank, transaction details link.

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Instant overview of the new vs. returning customers/cards

Identify unknown or potential loyal customers. Understand their shopping behavior and the right insights for future loyalty campaigns.

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Payment analysis by store

Visualize store performance by transaction number, volume or time span. Various charts available: evolution, cumulative, percentage evolution.

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Centralized reconciliation

Simplify the reconciliation process with multiple banks by downloading or setting up periodic transaction reports.

Analytical services

Manage and improve card processing functions and decrease costs by using Symphopay analytical tools.


Dynamic on-receipt or on-screen marketing

Turn your payment terminal into a customer touch point. Use payments to create real-time customer engagement through personalized real-time marketing campaigns.

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Customer incentives

Encourage repeat purchases or visits. Stimulate higher-average order values.  Incentivize them on the spot. Surprise and engage them with special buying opportunities, valuable discounts, vouchers or a chance to give their opinion.

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Payment receipt messages

Keep communicating with your customers even after they leave the store. Print your messages on receipts: campaign information, personalized messages or even links or QR codes to further engage with them in new media.

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Real-time customer interaction

Use the POS terminal to gain instant insights from your customers about their shopping experience in your store. Setup survey campaigns for your relevant buyer profile to get NPS (net promoter score) or other customer input.

Case studies

How can Symphopay change your business?


Symphopay and eMAG integrate payment terminals with free-interest installments bank programs


FAN Courier

FAN Courier is the first delivery company to make credit card payment available for its clients in a multi-banking, multi-merchant system

Symphopay is an ingenious middleware payment solution that helps us to provide our partners with customized experiences and make the difference in the banking market.

Viorel Vasile, Alpha Bank Romania

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Learn more about how Symphopay can help transform your business and increase customer engagement with each payment.