Till sale
+£42.80 Till #04
Where margin leaks at checkout
Every card swipe costs you twice.
Card fees, chargeback risk, and slow settlement quietly erode point-of-sale margin. With open banking, settle till sales in seconds, cut transaction fees, remove card disputes, reconcile every sale automatically, refund customers instantly, and verify merchants before they're onboarded.
Everything your tills need in one flow
Instant Settlement
Delays in payment settlement strain cash flow, especially for small businesses that rely on quick access to funds. Finexer settles every till sale in seconds, so the money is available the moment it's earned.
Lower Transaction Fees
Bank-to-bank payments cut transaction costs by up to 90% compared with card interchange and scheme fees on every sale.
Chargeback Protection
Every payment is bank-authenticated and SCA-verified at checkout, so card disputes are removed before they can happen.
Automatic Reconciliation
Supported till sales are matched to their bank deposit automatically. Anything that doesn't match is flagged for review, not lost at end of day.
Onboarding & Verification
Onboarding a new merchant without confirming who they are and that they own the account they're being paid into is a real fraud risk. Verify merchant identity and account ownership straight from their bank, with SCA built in.
Connect to the banks your shoppers use
Payments, refunds and verification connect across major UK banks.
One integration for payments and refunds
Handles a full day of till transactions, not just single, occasional payments.
A checkout experience under your brand
Every payment screen can run under your own EPOS brand, not a third-party checkout your customers have never seen.
Hands-on onboarding support
3-5 weeks of onboarding support to set up and test your EPOS payments integration.
FAQ
Frequently asked questions.
What is open banking for EPOS and point-of-sale payments?
Open banking lets customers pay directly from their bank at the till, with consent, settled in seconds rather than routed through a card network.
How is this different from a card machine or card payments?
A card machine relies on card networks and their fees. Bank-to-bank payments settle directly, with no card interchange or scheme fees involved.
Does Finexer refund customers instantly, or only collect payments?
Both. Instant Payments handles collection at the till and can return a refund to a customer's verified account in real time.
Which Finexer product powers settlement, reconciliation and refunds on this page?
Instant Payments handles settlement and refunds. Data Aggregation reconciles sales. Verification confirms merchant identity before onboarding.
Is merchant and transaction data secure and consent-based?
Yes. Every connection requires explicit consent through the customer's or merchant's own bank, and access can be revoked at any time.