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Glossary of Terms

TermDescription
ClientClient and terminal are used interchangeably for the application that calls the MobilePay PoS API. Client is often used when only discussing the software.
TerminalTerminal and client are used interchangeably for the application that calls the MobilePay PoS API. Terminal refers to the setup where the application is running on a dedicated payment terminal.
CustomerThe customer is the user who wants to pay for goods and services with MobilePay.
ECRThe electronic cash register is an application running on hardware in a shop. The ECR is an application that calls the MobilePay PoS client.
IntegratorThe company that develops the client and calls the MobilePay PoS API on behalf of the merchant. Sometimes the merchant acts as integrator. Used interchangeably with PoS vendor.
MerchantThe merchant is the company that wants to receive payments for goods and services from MobliePay users.
PaymentA payment request from the merchant.
Prepared paymentA payment request from the merchant, where the merchant has the opportunity, to provide information to the user and/or to receive information about the user, before providing the final amount.
ReservationA reservation is a pre-authorization which guarantees that the user has sufficient funds to pay for the given transaction.
CaptureCapture is the process by which payments are secured once the payment has been authorized, i.e. a reservation has been made.
PoSIn common language a point-of-sale might mean an Electronic Cash Register. In MobilePay PoS, a point-of-sale is an abstraction that describes a place where a payment can occur and therefore NOT a synonym for ECR. The distinction is subtle but important.
Check-inCustomer action performed in order to initiate payment. This could be scanning a QR code or connecting to a terminal.
PoS vendorThe company that develops the client and calls the MobilePay PoS API on behalf of the merchant. Sometimes the merchant acts as vendor. Used interchangeably with integrator.
VAT-numberIn Denmark, this is the CVR-number. In Finland, this is the Y-tunnus. Both refer to the official business ID.