Instalment POS App


Ingenico Telium terminals, Move5000, Desk5000, Semi-integrated, PCI, EMV, Contact, Contactless, Swipe, Pre-processing & post-processing, custom tenders

Tech Stack

Telium2, IngeDev7, C/C++, JSON, XML, HTML5, JS, Javascript

Project Details

Point of Sale (POS) Instalment or financing is a great way to present additional payment options to customers when they are making a purchase. This is to make the purchase more affordable for the customer while the merchant is receiving the funds the same way as in any other regular sale. On the other hand, it is proven that POS financing increases the average order value (AOV) for the merchants by as much as 30%.

ONTAB was assigned with the task of developing and certifying the first instalment app that is funded by the card networks and the financing is covered by the issuers in Canada. 

ONTAB  leveraged the semi-integration modes and developed the apps in such a way that the instalment option was presented as a custom tender or payment method to the customer. This removed the need for recertification but still offered a seamless experience to the user to transition from purchase in full amount to purchase through POS financing. 

For both solutions, ONTAB was responsible for the technical requirements, app design, UI/UX design, semi-integration architecture, user flows, project plan, development, signing, production distribution, deployment, and documentation.

The Biggest Challenge

There are many differences between the two platforms, Clover and Tetra, especially when it comes down to onboarding new merchants through the financing app. ONTAB went beyond the expected and worked with its partners to design a process between the two organizations, the POS financing company and the merchant acquirer, so that they can jointly onboard new merchants and share merchant credentials in a secure manner into the app.