Qonto POS for all your payments

A mobile electronic payment terminal (TPE) is a device that allows you to accept payments via bank card or smartphone.

Unlike a classic TPE, the portable TPE has an integrated battery and operates via Bluetooth, 3G, 4G mobile telephony, or Wi-Fi.

Equipping yourself with a mobile TPE for your business offers many advantages for you and your clients. For instance:

1. Transaction security: The client isn't charged until they enter their PIN, and data protection limits fraud risk. On your end, you decrease the risk of non-payment, like bounced checks;

2. Reduced risk of theft or loss: Cash in your register exposes you to theft or loss, but with a mobile payment terminal, you avoid this risk;

3. Ease of payment: You cut wait times for payments, saving your clients time. Plus, a mobile payment terminal is compatible with various bank cards (Visa, Mastercard, American Express, etc.) and mobile payment systems like Apple Pay or Google Pay;

4. Simple installation: Receive your pre-configured Qonto mobile TPE, ready to use; just turn it on to start accepting payments;

5. Cost reduction: Unlike conventional payment terminals, mobile TPEs charge low transaction fees without billing minimums and no maintenance fees;

6. Paperless management: Reduce your environmental impact and automate revenue accounting. With digitized receipts in the cloud and digital receipt delivery to clients, you can skip buying a receipt printer;

7. Device design: Besides being chic and elegant, Qonto's payment terminal is pocket-sized. Use it in your establishment, during service calls, or home deliveries.

To get your Qonto payment terminal, you need to be a client or open a business account on our platform.

You'll receive your payment terminal within a few business days. While waiting for your TPE, you can start accepting payments with your smartphone using Tap to Pay on iPhone or Android.

With Qonto, there are no monthly rental fees for the terminal or extra charges. You pay for the device purchase, then a commission starting at 0.8% on each payment.

Qonto's mobile payment terminal stands out from smart mPOS terminals (Mobile Point of Sale) with solutions like Zettle, SumUp, MyPos, Yavin, and Smile & Pay.

Indeed, our mobile TPE falls under the category of Smart POS. These devices don't need to be connected to a smartphone to operate. They are completely autonomous.

Directly integrated with your business bank account, it ensures an easy management of your accounting and daily business operations.

To function, your mobile payment terminal requires a connection to a 3G, 4G, or Wi-Fi network.

Please note that our payment terminals cannot connect via Bluetooth.

Using it is very simple, just follow these steps to finalize a sale:

1. Turn on your mobile TPE

2. Enter the total sale amount on your payment terminal

3. Use the reader to accept the card or contactless payment

4. Invite your customer to enter their PIN

5. Print the receipt or send it via SMS or email

It allows you to accept payments via debit and credit cards, chip or contactless with NFC technology, as well as Apple Pay, Samsung Pay, and Google Pay payments.

After payments, expect only one business day to receive the funds in your Qonto business account.

Additionally, our payment terminal complies with PCI PTS v6, the industry's strictest standard, which secures you against fraud and certifies the device and software's inviolability. Any hacking attempt immediately locks the reader.

To extend the life of your mobile TPE:

1. Keep the reader in a cool, dry place, ideally at 22°C;

2. Clean the exterior of the device with a soft, damp cloth;

3. Never spray liquid directly onto your mobile payment terminal;

4. Avoid exposing openings to a moist environment;

5. Do not use any solvents;

6. Ensure nothing enters the reader through an opening, especially the slot for bank cards;

7. Handle the TPE with care and avoid any shocks.

Card payment is the most widely used payment method in France. Therefore, selecting your payment terminal is crucial. To find the most suitable offer for your needs, consider the following criteria.

Payment conditions

Start by identifying the payment terminals that match your mode of work. If you only conduct transactions at a fixed point of sale, any model (fixed or mobile) may suit you.

However, if you travel frequently, make deliveries, or open temporary establishments (pop-up stores), you need a mobile payment terminal that can accompany you everywhere.

Take the time to compare those offered by Qonto and fintechs like SumUp, myPOS, Yavin, or Smile & Pay, as well as solutions from traditional players like Ingenico.

Input method

This criterion involves analyzing the payment methods your clients prefer. For example, if your business mainly targets 18-34-year-olds, you absolutely need a payment terminal compatible with Apple Pay and Google Pay to accept payments via mobiles and connected devices.

For entering the PIN code, prioritize a terminal with a "Pinpad" keyboard.

With our mobile TPE, you enter the sale amount on your screen, leaving the reader fully accessible for the client to insert their card and enter their PIN.

Communication with the bank

Processing a card transaction requires connecting your payment terminal to your bank to request authorizations and electronically transmit transactions performed during the day.

You have three distinct connection methods to link your TPE to your bank:

1. ADSL Internet connection, connect your payment terminal to your Internet box using an Ethernet cable or via Wi-Fi. This connection method is unsuitable for transactions outside your establishment;

2. 3G, 4G, or 5G connection, your payment terminal connects directly to the network using a SIM card or through your smartphone via a dedicated app. This technology is by far the most suitable for conducting transactions or payments anywhere in France. It's no coincidence that it's the preferred choice for most mobile TPEs offered by Qonto and fintechs like Zettle, SumUp, Yavin, myPOS, or Smile & Pay;

3. Traditional phone line, opt for this solution only if you have no Internet access or poor network coverage.

In France, the rise of new sectors, such as home delivery and ridesharing services, has led to the emergence of many companies in the electronic payment terminal market.

These companies are now competing with the historical pioneer in the sector: Ingenico.

You can now find different machines and various pricing models, each targeting specific professionals.

The fixed payment terminal

This is the classic TPE used in most brick-and-mortar stores or professional offices.

It needs to be connected to the Internet using an Ethernet cable, a phone line, or a Wi-Fi box. Merchants must have a cash register to accept all payment methods.

The fixed TPE is not very portable but has a long lifespan.

The payment terminal with Pinpad

It is very similar to the classic TPE but is distinguished by an extension system equipped with a card reader.

This extension allows the client to insert their card themselves, providing an extra layer of security.

Like the classic TPE, this product is intended only for fixed stores.

The virtual payment terminal

This TPE facilitates remote sales. It must be installed on the merchant's website to secure online transactions.

The COVID-19 lockdown period increased customer demand for these payment methods.

Setup can be done in several ways: through a third-party site like PayPal, by asking the client to provide their card details, or by using phone payment apps like Apple Pay or Google Pay.

The mobile payment terminal

The French market has seen the arrival of many competitors in this TPE category, such as SumUp, Zettle (formerly iZettle), Yavin, Adyen, and myPOS.

This TPE is perfectly suited for merchants and professionals who travel a lot as part of their activities. Mobile payment terminals are lightweight, come with integrated batteries, and operate via Bluetooth, 3G, 4G, or Wi-Fi.

Thanks to them, you can accept payments anywhere in France.

Whether you're a rideshare driver, a construction professional on-site, or a manager of a fixed store, the mobile TPE meets all your needs.

As a Qonto client, you can already order your mobile POS terminal from the Qonto app.

If you're a new client, you can obtain your mobile POS terminal when opening your business account.

To choose the offer best suited to your business, you must clearly determine the total cost of your TPE. It consists of three elements:

• the price of the device;
• transaction commissions;
• additional fees.

To provide a solution that meets your needs without requiring a significant investment, we offer two payment terminals: the Pocket and the Pro.

The purchase price starts at €149 excl. tax for a device that has all the essential features for easily accepting customer payments.

For all pre-orders, you benefit from 0% transaction commission until 08/31. The quantity is limited, so don't wait to order your Qonto TPE.

Unlike our offer, some providers:

• apply fixed fees in addition to the transaction commission;
• charge for mobile data usage;
• require opening a business account with their bank.

Do you want to use your mobile phone to accept contactless card payments? It's now possible thanks to NFC technology.

With Tap to Pay on iPhone and Tap to Pay with Android, your smartphone becomes a real electronic payment terminal.

This payment solution is an excellent alternative for taxi drivers or home service providers, for example.