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| 1 | +--- |
| 2 | +title: Payment |
| 3 | +slug: /poscreators/experience-middleware/payment |
| 4 | +--- |
| 5 | + |
| 6 | +# Payment |
| 7 | + |
| 8 | +The **Payment** component of the Experience Middleware allows POS systems to integrate payments through fiskaltrust without being tied to a single payment service provider. |
| 9 | + |
| 10 | +Rather than replacing existing POS payment logic, fiskaltrust provides a **unified payment endpoint** that can be used alongside fiscalization and digital receipt features. This keeps integrations flexible and avoids vendor lock-in. |
| 11 | + |
| 12 | +Payments are integrated through the **InStore App** and the POS System API, allowing transactions, fiscal receipts, and optional digital receipts to be handled in a coordinated flow. |
| 13 | + |
| 14 | +## Key Design Principles |
| 15 | + |
| 16 | +The payment solution follows these core principles: |
| 17 | + |
| 18 | +- **Single POS integration**: POS systems integrate once with the fiskaltrust payment endpoint and remain independent of specific payment providers. |
| 19 | + |
| 20 | +- **Optional usage**: Payments can be used with or without fiskaltrust fiscalization, depending on the market and setup. |
| 21 | + |
| 22 | +- **No mandatory lock-in**: Merchants and partners are not forced into a single PSP (Payment Service Provider) or hardware setup. |
| 23 | + |
| 24 | +- **Experience-driven**: Payment flows can be combined with digital receipts and InStore App interactions to create a smoother checkout experience. |
| 25 | + |
| 26 | +## Payment Integration Flow in the Experience Stack |
| 27 | + |
| 28 | +A typical payment-enabled flow consists of the following steps: |
| 29 | + |
| 30 | +1. The POS initiates a payment using the unified fiskaltrust payment endpoint. |
| 31 | +2. The selected payment provider processes the transaction. |
| 32 | +3. fiskaltrust links payment data with the fiscalized receipt. |
| 33 | +4. The receipt can optionally be displayed or handed over via InStore App, QR code, or Digital receipt channels. |
| 34 | + |
| 35 | +This approach ensures that fiscalization, receipts, and payments remain technically linked while staying modular. |
| 36 | + |
| 37 | +## Intended Audience for Payment Integration |
| 38 | + |
| 39 | +Payment integration is primarily relevant for: |
| 40 | + |
| 41 | +- **PosCreators** who want to support multiple payment providers with a single integration. |
| 42 | +- **PosDealers** managing merchant rollouts across markets. |
| 43 | +- **PosOperators** who want simpler setups, fewer devices, or hardware-free payment options where available. |
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