Every physical acceptance form factor, driven from the same merchant tooling and settlement pipeline.
idataraya implements EDC terminal integrations for counter-top terminals (ECR-driven), mobile and handheld terminals for queue-busting and table-side payment, and Soft POS (tap-on-phone NFC) for merchants who need card acceptance without dedicated hardware. All three form factors are driven by the same ECR protocol implementation, connect to the same acquirer integration, and feed the same settlement and reconciliation pipeline. A counter-top terminal and a handheld device in the same outlet share the same batch and the same daily settlement file.
Counter terminals, handhelds, and Soft POS each have different hardware constraints but the same underlying requirements: EMV, contactless, settlement batching, and reconciliation. A shared ECR layer handles these so form factor choice is an operational decision, not an integration decision.
Bank-issued counter terminals are integrated via the ECR protocol over TCP/IP. Transaction lifecycle, cancellation, void, and end-of-day settlement batch are all driven from your POS service. The terminal is a peripheral, not an independent system.
Handheld and mobile terminals use the same ECR protocol over Wi-Fi or cellular. Table-side, queue-busting, and delivery scenarios all work without a separate integration. Batches from handhelds are included in the outlet's end-of-day settlement run alongside counter terminals.
Soft POS turns a certified Android device into a card acceptance terminal using its built-in NFC radio. EMV contactless transactions are processed the same way as a hardware terminal. PCI MPoC certification requirements apply at the device and application level.
Counter terminals, handhelds, and Soft POS devices across an outlet all contribute to the same end-of-day settlement batch. The batch is submitted once per outlet, and the reconciliation report breaks down by device and by transaction, not by form factor.
Full ECR protocol implementation for bank-issued counter-top and handheld terminals, covering transaction lifecycle, void, cancellation, and end-of-day batch submission over TCP/IP or Wi-Fi.
Tap-on-phone NFC acceptance on certified Android devices, processing EMV contactless transactions through the same acquirer integration as hardware terminals.
All terminal types across an outlet contribute to a single end-of-day batch. Settlement and reconciliation reports break down by device without requiring separate batch management per form factor.
Per-device transaction reports alongside the consolidated outlet summary, covering all payment methods accepted across counter, handheld, and Soft POS in one daily report.
The DuitNow rail family covers QR acceptance, account-to-account transfers, and recurring direct debit in a single integration layer.
ExploreFPX connects your checkout to Malaysia's online banking network, covering both B2C and B2B bank accounts.
ExploreRENTAS is Malaysia's real-time gross settlement system for high-value interbank transfers, settling each instruction individually and irrevocably on the same business day.
ExploreIBG (Interbank GIRO) is the batch interbank rail for lower-cost, non-urgent transfers, suited to payroll runs, supplier batch payments, and scheduled disbursements.
ExploreJomPAY is Malaysia's standardised bill payment rail, letting customers pay any registered biller from their bank's online or mobile banking app using a biller code.
ExploreFull card-scheme acceptance across domestic and international networks, from a single acquirer integration.
ExploreAll major Malaysian e-wallets accepted through one callback contract, backed by aggregator or direct integration.
ExploreBNPL acceptance at POS and online checkout, integrated into the same orchestration layer as cards and QR.
ExploreSubscription and instalment billing on card-on-file and DuitNow AutoDebit, with full lifecycle management.
ExploreThe integration architecture choice that determines per-transaction cost, operational control, and time to add a new payment rail.
ExploreBook a discovery call. We will walk through how this fits your business, scope, timeline, and what you will get at the end.
