Abstract

With the conventional POS payment transaction method, vendors are bound to a payment institute in their
region and can only use relatively expensive dedicated or slow dial-up lines to their financial institute. This
paper report covers the work to produce an architecture and a prototype that supports Point of Sales
terminal payments over the Internet through web services. With the use of web services for payment
transactions, vendors will get more freedom to choosing their provider and the services they take without
having to throw away their legacy applications. Given the globalization of the economy, vendors can
negotiate about services and fees with payment providers all over the world.
Literature research and the prototype tests and evaluation in this project shows that transactions fees and
performance of POS terminal payments transactions trough web services can be competitive to
conventional payment transactions methods and create flexibility for vendors POS terminal application.
Vendor’s available Internet connections and the web services standards in the market can be used for
payment transactions. With web services the system can be created and changed relatively fast and simple
if the right skills are available.