Embedded payments for point of sale SaaS.

Handpoint is the platform software companies and payment facilitators build on: in-person, online, and in-app acceptance behind your brand, on one tech stack, from California to Croatia.

APIs & docs →handpoint.com
Powered by Electronic Payments
Handpoint developer documentation with SDK platforms
US · UK · EUacceptance on one integration
Card-presentcloud gateway, built for the 80% of payments that happen in person
PAX A920and Android SmartPOS, co-brandable
Boutiquesupport: simple APIs, real engineers

The platform

One stack, every channel.

GatewayNextgen card-present gatewayCloud-based card-present processing: terminals managed remotely, transactions visible in real time.
SDKAll-in-one Android SmartPOS SDKYour app and payments on one device, from kiosk to countertop.
HardwareCo-branded SmartPOSModern terminals, including the PAX A920, carrying your brand.
DataReal-time transaction feed APIEvery transaction streamed to your platform as it happens.
Onlinee-Commerce suiteCard-not-present acceptance for European markets.
SDKsEvery major platformAndroid, iOS, JavaScript, .NET, Xamarin, and REST. Pick your stack.

For ISVs & payfacs

Your software. Your brand. Your revenue.

Payments become part of your product: a branded customer journey through your APIs, recurring revenue on every transaction, and multiple business models on a single tech stack.

"A comprehensive API, and a model that engages both the ISV and the merchant."

CCO · emerchantpay

"The customization and international footprint let us take one integration into every market we serve."

WorkWave

How it works

One integration. Every terminal.

Integrate once and reach a whole family of devices and processors. The cloud gateway does the routing.

Integrate once450+ pathwaysA single ISV integration reaches PAX, SmartPOS, and mPOS terminals across multiple acquirers, pre-certified with TSYS, Fiserv, and Worldpay.
Host captureNo settlementsTransactions capture at the host, so merchants never batch or settle, and encryption starts at the first dip, tap, or swipe.
Cloud TMSManage remotelyRemote configuration, key injection, and software updates across every terminal family, from one interface.
TokensCard-on-file & recurringA token engine powers card-on-file, recurring billing, and loyalty, without your app touching card data.
RoutingMulti-MID & BIN filteringRoute to separate merchant accounts and control payment types with BIN whitelisting.
PayoutsSplit payoutsReal-time data via the transaction feed API powers custom payout and reporting models.

Products

Terminals, SDKs, and a cloud gateway.

Hardware15+ terminalsPAX A920 & A920 Pro, A35, A80, A77, IM30 and more, plus the ultra-portable HiLite and iPhone-based HiPro.
SDKAll-in-one Android SDKEmbedded libraries put your app and payments on one SmartPOS device: custom checkout UI, printer control, kiosk mode.
GatewayCloud card-present gatewayPCI-DSS Level 1 and PCI-P2PE certified, across 30+ countries with multi-currency support (USD, EUR, GBP, CAD and more).
OnlineE-commerce APIsHosted payment page and fields, pay-by-link, and shopping-cart integrations, plus Apple Pay, Google Pay, and APMs.
PAX A920PAX A920Android all-in-one: touchscreen, printer, and payments in one mobile device.
PAX A77PAX A77Android handheld for line-busting and tableside checkout.
PAX A80PAX A80Countertop terminal for fast, fixed-location checkout.
PAX A35PAX A35Card-present PIN pad that pairs with your POS.
PAX IM30PAX IM30Semi-attended, wired or mounted into your POS or kiosk.
Handpoint HiLiteHandpoint HiLiteUltra-portable secure reader for native iOS & Android apps.

Global

From California to Croatia.

Offices and acquiring reach on both sides of the Atlantic. Part of Electronic Payments since 2025, settling into the EPI stack.

United StatesPalo Alto, CAUS acceptance and platform engineering.
United KingdomRochford, EssexUK acquiring and certification.
SpainMadridEU markets and e-commerce.
IcelandReykjavíkWhere Handpoint began.

Build payments into your platform.

Start in the docs, or talk through your integration and revenue model with the team. Reselling instead? See the ISV program →

Start building →The rails underneath