LoyalPay

LoyalPay: POS Terminals, CTAP Support, And Flexible Acquiring For European Merchants

LoyalPay is a terminals-focused payment provider headquartered in Brussels that supplies CTAP-certified point of sale devices and a terminal management system for merchants. The company positions itself as a multi acquirer specialist, with hardware and software designed to let merchants route transactions to different acquirers as needed.

Core Offering: CTAP Terminals And Fleet Management

LoyalPay’s product set centers on card-present payments. The site emphasizes CTAP payment terminals and a user friendly terminal management system that gives direct access to device settings, configuration, and reporting. This focus allows merchants to deploy terminals, monitor performance, push updates, and manage acquirer configurations from a single interface.

Terminal Lineup And Key Specs

LoyalPay highlights three models that address mobile, countertop, and unattended use cases:

• Terminal 9310 – Ultra portable device with a 6.5 inch screen. Listed features include PCI PTS 5.x approval, CTAP certification, classic and contactless card acceptance, NFC, and network options such as Wi Fi and 4G.

• Terminal 9220 – Android based mobile POS. LoyalPay states it is compatible with major EU card schemes and supports UnionPay, Payconiq, Apple Pay, and Google Pay. Features include an integrated printer, front and rear cameras for QR or barcode scanning, PCI PTS 5.x approval, and CTAP certification.

• Terminal 5310 – Unattended POS for vending and kiosks. The published specs mirror the 9220’s functionality for payments and wallets, with PCI PTS 5.x approval and multiple connectivity options suited to autonomous deployments.

Across the range, published specs also include options for 2G, 3G, 4G, Wi Fi, Ethernet, QR or barcode scanning, and paperless or integrated printing depending on the model. This gives merchants flexibility to match hardware to their environment, whether mobile checkout, fixed countertop, or unattended.

Terminal Management System

All LoyalPay terminals tie into a web based Terminal Management System that focuses on ease of use. The site describes dashboards for live reporting, transaction history, API monitoring, and simple app updates. For operational teams, the ability to push configuration changes, monitor device health, and review transaction logs from one place is a core advantage, particularly for distributed fleets.

Acquiring Options And Supported Schemes

A key differentiator is how LoyalPay handles acquiring. The company states that merchants can choose their preferred acquirer or mix and match across acquirers, enabled by CTAP certified terminals. LoyalPay also frequently partners with Paynovate, the Loyaltek Group’s e money and acquiring arm, to bundle acquiring with terminals. Benefits highlighted for the Paynovate pairing include consolidated reconciliation on a single platform, first and second line support, and support for major card schemes.

The acquiring page lists logos for leading schemes and reiterates that all major card schemes are supported. If your strategy involves multi acquirer routing, centralized support, or consolidating settlement flows, LoyalPay’s model is designed to accommodate that.

Payment Methods And Wallets

Within product pages, LoyalPay notes acceptance of classic and contactless cards, NFC, and QR or barcode payments. For digital wallets, the 9220 and 5310 are listed as compatible with Apple Pay and Google Pay, and merchant acceptance of Payconiq is also referenced. This coverage aligns with typical European in store requirements and supports tap to pay experiences via consumer devices and contactless cards.

Security And Compliance Posture

For hardware security, LoyalPay lists PCI PTS 5.x approval on its terminals and highlights CTAP certification. These elements address device tamper resistance, secure PIN entry, and interoperability with acquirers. The site does not publish a separate PCI DSS service provider attestation for platform services, so merchants with strict compliance requirements should request formal documentation during onboarding. As always, operating terminals within a PCI DSS compliant environment remains a merchant responsibility.

Reporting, APIs, And Extensibility

The company indicates support for custom API configurations and API monitoring in the TMS. The 9220 device page mentions compatibility with custom APIs and in house applications via an app launcher. While public developer documentation is not linked, the signals point to an approach where merchants can deploy applications to the Android based devices and monitor integrations through TMS. For merchants with bespoke workflows, this can enable loyalty, order management, or queue busting apps at the device level.

Geographic Coverage And Industries

LoyalPay lists its headquarters in Brussels and states that it serves merchants across Europe. The site also characterizes the 9220 as trusted across sectors including banking and logistics, and positions the 5310 for unattended environments like vending. If you operate in multiple European markets, the combination of multi acquirer flexibility and device management may simplify cross border setup.

Strengths

• Multi acquirer flexibility – CTAP certified terminals and explicit positioning around multi acquirer transactions support routing choice and resilience.

• Managed terminal fleet – The TMS emphasizes live reporting, transaction history, configuration control, and simple updates that help at scale.

• Hardware range – Mobile, countertop, and unattended options with NFC, QR or barcode scanning, and multiple connectivity choices.

• Wallet compatibility – Apple Pay and Google Pay are listed on core devices, aligning with consumer expectations in Europe.

• In house acquiring option – Tight alignment with Paynovate enables a one group model for terminal plus acquiring if preferred.

Ideal Merchant Profiles

• Retailers and hospitality chains that need to manage hundreds of terminals, push updates, and maintain consistent configuration across sites.

• Merchants with acquirer strategy requirements such as performance routing, resilience, or negotiated rates across acquirers.

• Vending, parking, and kiosk operators who need unattended devices with QR or barcode scanning and multiple network options.

• Mobile or curbside checkout teams that benefit from lightweight devices with integrated printing and cameras.