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Create delightful, in-person payment experiences

Paystack Terminal helps modern teams in Africa build custom, delightful in-person payments experiences that keep customers coming back.

Get Terminal

Paystack Terminal is a collection of in-person payment tools, for businesses in Africa with a physical footprint.

Virtual Terminal

A simple way to accept in-person payments at scale, with ZERO hardware costs. Delight customers by allowing frontline staff and sales agents confirm bank transfers, instantly.

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Physical Terminal

Your POS should work harder for you. Boost sales with this full-featured, point-of-sale device that lets you create unique branded experiences.

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Terminal API

Build any custom, in-person payment experiences you can imagine, with Terminal. Developers and technical teams can quickly collaborate on custom apps within teams, as well as across the entire Paystack merchant network.

Learn more

Virtual Terminal

Delight customers by allowing frontline staff and sales agents confirm bank transfers, instantly.

How Virtual Terminal works

Fast bank transfer confirmations, at scale

With Virtual Terminal, frontline staff can quickly confirm the success of bank transfer payments via WhatsApp alerts, without accessing other sensitive information, like bank balance.

WhatsApp payment confirmations can also be sent to multiple phone numbers at the same time.

Deploy your point-of-sale solution in seconds

Say goodbye to the logistical headache of managing several hardware devices, including replacing damaged devices, managing receipt paper rolls, and other distractions.

Spin up a sales force with dozens - even hundreds - of Virtual Terminal accounts, in literally seconds.

Delight international clients with seamless in-person payments

Accept payments through global payment channels such as Apple Pay, and accept international card schemes such as American Express, Visa, and Mastercard.

“Paystack’s Virtual Terminal allows us to effortlessly track the performance of our growing sales force of over 150 field sales agents. We can now easily identify our best performers. It has also helped us create a seamless payments experience for both customers and agents.”

Photo of Tayo Sowole

Tayo Sowole — General Manager


Physical Terminal

More than a POS. Your point-of-sale device should work harder for you.

Multiple payment channels

Most POS devices accept only card payments. Paystack Terminal provides several channels through which customers can pay.

Card (Visa, Mastercard, Verve)
USSD (Multiple banks)
Bank Transfers

Card (Visa, Mastercard, Verve)

USSD (Multiple banks)

Bank Transfers

Easy end-of-day accounting

See individual Terminal payments in real time on the Paystack Dashboard (and not as one lump-sum) and save countless hours during reconciliation.

Reconcile multiple stores
Reconcile online and offline payments
Monitor payments in real time

Quickly reconcile multiple POS devices across multiple stores

Reconcile both online and offline payments on the same Dashboard

Monitor payments in real time via the Paystack mobile app

Blazing fast connectivity

Tired of your point-of-sale systems failing due to poor connectivity? Terminal devices have both wifi connectivity as well as a global SIM card, which allows your Terminal automatically switch to the data signal with the strongest network connection.

Blazing fast connectivity

Split payments

For companies with different lines of business, Paystack Terminal allows you to take one payment, and automatically pay different amounts into separate bank accounts.

For example, a school might want to accept a single card payment, and automatically pay a fraction of the payment to the Admissions team, a fraction to the Textbooks team, and a fraction to the Canteen.

Split payments
Coming Soon


Integrate seamlessly with all of your existing POS systems.

  • Odoo
  • Loystar
  • Retailman POS
  • Aura
  • Epos Now

What’s in the box?


Charger image


POS Guide

POS Guide image

Receipt Paper

Receipt Paper image


  • 4inch 480 x 800 pixels capacitive touch screen
  • 0.3M Pixels rear camera(optional)
  • 1 x USB2.0 Type C (OTG)
  • 256MB RAM+512M FLASH, Micro SD (TF card) up to 32GB, 8 GB eMMC+1GB LPDDR3, 16 GB eMMC+2GB LPDDR3(optional)
  • Dual-Core ARM Cortex-A53,1.3GHz, Quad-Core ARM Cortex-A5364 bit processor 1.4 GHz
  • 2600mAH, 3.7V battery
  • Charging - Input: 100-240V AC,5OHz/60Hz, Output: 5.0V DC,2.0A
  • Linux 4.74, Android 10 OS

“We wanted an exceptional payments partner because we promise our customers that we'll deliver them great flame-grilled burgers, and they can pay, their way. Paystack helped us to implement a self-serve “build your own burger” experience using Terminal which has been a huge success.”

Photo of Elie Youssef

Elie Youssef — General Manager

Burger King Nigeria

“Terminal prints out receipts really quickly. Other POS readers take about 5 to 6 seconds for the printouts to come out, which can be frustrating if the customer is waiting. Transactions are also processed much faster than any other POS we use. That's really important because you can collect more money from more customers in a shorter amount of time.”

Photo of Nnneka Nwankwo

Nneka Nwankwo — Manager

Leisure Sports Park

“We've worked with Paystack for a long time and when they introduced us to Terminal it was a no-brainer. We depend on the device across our stores in Nigeria and we will continue to use them as we expand to more stores.”

Photo of Chilee Ejekam

Chilee Ejekam — Finance Manager

Diva Cakes

Terminal API

Build any custom, in-person payment experiences you can imagine.

Build custom apps for Terminal

Paystack Terminal is completely programmable. This means that developers can build custom apps to create unique branded experiences.

Loyalty program
Build custom burger
Donate to charity

What kinds of app experiences can you build?

A boutique can display a post-purchase experience that upsells the customer on signing up for their loyalty program

A restaurant can allow customers build their own burger with a few taps, and then self-checkout

A grocery store can allow customers round up the order amount at checkout, and donate the extra to charity

Build post-purchase automations that drive sales

Build post-purchase automations that drive sales

Customizable receipts
Build loyalty programs
Monitor changed purchase patterns

Customizable receipts

Programmatically update the design of receipts to reinforce your brand. For example, request for feedback with a link customised to the customer.

Build loyalty programs

Incentivize repeat sales with deals and discounts customised for each customer.

Monitor changed purchase patterns

Has a VIP customer not shown up in-store in a while? Build an automation that alerts your customer success team to re-engage them.

There are several ways that ambitious teams can leverage Terminal to drive growth. Here are a few examples

00:01 Delight customers with self-checkout

00:23 Reinforce your brand with customized receipts

00:52 Turn the screen into an upsell opportunity

01:18 Do business while on the go

01:38 Experiment with brand new business models

00:01 Create personalised experiences

00:52 Experiment with discounting strategies

01:27 Reduce churn with automation

00:01 Win the sale with roving checkout

00:32 Make POS your customer success secret weapon

01:24 Incentivize sales teams with commissions

01:41 Out of stock? No problem

Grocery Store
Fashion Boutique

Ready to build your own custom apps?

See our Developer Documentation

How Burger King automates sales with Terminal


Custom pricing available for companies with large payment volumes or large hardware orders.

Physical Terminal


NGN 86,000



0.5% Capped at 1000

USSD (Nigeria)

1.5% + NGN 100 Capped at NGN 2,000. NGN 100 waived for transactions under NGN 2,500

Bank Transfer (Nigeria)

Local - 1.5% + NGN 100Capped at NGN 2,000. NGN 100 waived for transactions under NGN 2,500

Virtual Terminal

Virtual Terminal



Transfer (Nigeria)

1% Capped at NGN 300

USSD (Nigeria)

1.5% + NGN 100 Capped at NGN 2,000. NGN 100 waived for transactions under NGN 2,500

Cards (Nigeria)

1.5% + NGN 100 Local - 1.5% + NGN 100 capped at NGN 2,000. NGN 100 waived for transactions under NGN 2,500 International - 3.9% + NGN 100. International - 3.9% + NGN 100

Cards & Mobile Money (Ghana)

1.5% + NGN 100 Capped at NGN 2,000. NGN 100 waived for transactions under NGN 2,500

Custom pricing available for companies with large payment volumes or large hardware orders


In which countries can I use Terminal?

Virtual Terminal is available for businesses in Nigeria and Ghana. Physical Terminal is currently only available for businesses in Nigeria.

Which payment channels are supported on Terminal?

Virtual Terminal supports the following payment channels in Nigeria: Local and International Bank Cards, Bank Transfer, USSD, and Apple Pay.
In Ghana, Virtual Terminal supports Local and International Bank Cards and Mobile Money.
Physical Terminal is only available in Nigeria, and supports Local Bank Cards, USSD, and Bank Transfer.

Do you offer bulk discounts?

Yes, custom pricing is available for companies with large payment volumes or large hardware orders. Contact the Sales team here.

Do I need a developer to use Terminal?

No. You don’t need a developer to set up or use Terminal. The Physical Terminal User Guide provides simple instructions on how to get started, while for Virtual Terminal, following the on-screen instructions on the Paystack Dashboard should be sufficient. If you want to build complex automation, however, you may require the services of a software developer.

How many Virtual Terminals can I create?

You can create as many Virtual Terminal units as your business needs, for free.

What do I get with my Physical Terminal order?

You’ll receive one Morefun MF960 device, charger, roll of receipt paper, and POS guide.

How long will it take to receive my Physical Terminal?

You’ll receive your Physical Terminal within 4 - 7 business days after your purchase request is approved. Virtual Terminal is available to use instantly.

How do I get extra receipt paper for my Physical Terminal?

Your Physical Terminal will come with receipt paper. After this, you'll receive free receipt paper delivered to your location once a month. If you happen to run out of receipt paper before this monthly refill, you can purchase receipt paper from any large supermarket.

What do I do if I have more questions?

Kindly send us a message at [email protected]; we're happy to help!

Build Better

Build magical, in-person experiences that keep customers coming back.

Delight your customers with custom, branded in-person payment experiences. Your POS should work harder for you. Let's show you how, with Terminal.

Get Terminal