Increasingly merchants are opting for payment functionality that is embedded within the POS system. This model requires the POS manufacturer’s software developers to code to a provider’s specifications.

Merchant benefits include consolidated reporting across payment types, decreased cashier error (no manual keying of transaction amount into a standalone terminal), and single source provider of the POS system and payment interface. Examples include the IBM ACE Supermarket system, MICROS restaurant POS system, and Radiant’s Epsilon petroleum solution.