PAYHUBZPROCESSING YOUR TRUST
Payment Terminal Acceptance

End-to-End Terminal Acquiring Infrastructure

Deploy Sunmi EFTPOS terminals across Australia and APAC with full onboarding, real-time authorization, and automated funds flow — powered by the Proximo Switch.

Onboarding Authorization Funds Flow

Complete Terminal Lifecycle Management

From the moment a terminal is deployed to daily settlement and chargeback resolution, Payhubz manages every step of the payment terminal acceptance lifecycle through the ISO model.

Onboarding

Terminal Deployment & Merchant Activation

Streamlined terminal deployment with KIF/RKI key loading, KYC verification, and dual-auth merchant activation workflows.

01Terminal Deployment02KIF / RKI Key Loading03KYC Verification04Merchant ActivationTERMINAL ONBOARDING FLOW — PAYHUBZ
01

Terminal Deployment

Sunmi EFTPOS terminals are provisioned, configured, and shipped to merchant locations with pre-loaded firmware and application software.

02

KIF/RKI Key Loading

Cryptographic keys are injected via Key Injection Facility (KIF) or Remote Key Injection (RKI) to secure all terminal communications.

03

KYC Verification

Merchant identity and business verification is completed with dual-auth controls ensuring regulatory compliance across all APAC jurisdictions.

04

Merchant Activation

Terminal is activated on the Proximo Switch, merchant account configured, and live transaction processing enabled.

Authorization

Real-Time Transaction Processing

Every card transaction flows through the Proximo Switch for real-time authorization, scheme routing, and merchant inquiry — with full reconciliation data.

SSL / TLS ENCRYPTED CHANNEL01Card CaptureTap / Dip / Swipe02EFTPOS TerminalISO 8583 Auth Request03Proximo SwitchRouting & Processing04Card SchemeVisa / MC / eftpos05Issuer BankApprove / DeclineAUTHORIZATION REQUEST →← RESPONSE / APPROVALMERCHANT PAYMENT AUTHORIZATION FLOW — PAYHUBZ
1

Card Capture

Cardholder presents card via tap, dip, or swipe. Terminal captures card data and initiates ISO 8583 authorization request.

2

Switch Routing

Proximo Switch receives the authorization request and routes to the appropriate card scheme (Visa, Mastercard, eftpos).

3

Scheme Processing

Card scheme validates the transaction and forwards to the issuing bank for approval or decline decision.

4

Response & Receipt

Authorization response returned to terminal in real-time. Approved transactions generate receipt and update merchant records.

Funds Flow

Settlement, Clearing & Merchant Funding

End-of-day cutover triggers automated settlement aggregation, scheme clearing, and merchant funding with full chargeback management.

01EOD CutoverEnd-of-day batchcutover aggregatesall approved02AggregationTotals aggregated bymerchant, terminal,and card scheme.03Scheme ClearingAggregatedtransactionssubmitted to card04Merchant FundingNet settlement fundstransferred tomerchant bank05Chargeback HandlingDisputedtransactions managedthrough theMERCHANT PAYMENT FUNDS FLOW — PAYHUBZ
1

EOD Cutover

End-of-day batch cutover aggregates all approved transactions for the settlement period.

2

Aggregation

Transaction totals are aggregated by merchant, terminal, and card scheme for settlement processing.

3

Scheme Clearing

Aggregated transactions are submitted to card schemes for clearing and interbank settlement.

4

Merchant Funding

Net settlement funds are transferred to merchant bank accounts after scheme fees and acquirer charges.

5

Chargeback Handling

Disputed transactions are managed through the chargeback and representation workflow with full audit trail.

Ready to Deploy Merchant Payment Terminals?

Get started with Sunmi EFTPOS terminal deployment across Australia and APAC.

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