In-store card acceptance, certified for Djibouti.
Cybersource cardpresent with TopWise EMV terminals brings Visa and Mastercard to Djiboutian merchants — countertop, mobile, and pin-pad form factors. PCI scope is minimised by P2PE; the same MerasPay account that runs your online charges runs your storefront.
By the numbers
- Schemes
- Visa + MC
- EMV certs
- L1 + L2
- Capture
- Same day
- Refund window
- 180 days
Hardware that fits the store
Pick the form factor; the merchant experience and reporting stay identical across them.
TopWise A920 / A910
Android-based smart POS with a 5.5" screen, integrated thermal printer, 4G + Wi-Fi, and a chip + magstripe + contactless reader. Battery-friendly for mobile vendors.
TopWise S90
Countertop unit for higher-volume retail. Connected over Ethernet or Wi-Fi, supports receipt printer plus optional PIN-pad accessory.
TopWise M-series mPOS
Bluetooth pin-pad that pairs with a merchant tablet running the MerasPay POS app. Cheapest path to card acceptance for small storefronts.
What ships in every terminal
Card-present is more than the magstripe reader. We pre-load the things that take months to get right — EMV kernels, P2PE keys, offline queuing, contactless support.
EMV Level 1 and Level 2 certified
Contact chip + contactless EMV kernels pre-loaded. Visa and Mastercard schemes supported on day one; American Express and UnionPay as they re-enable in market.
PCI P2PE end-to-end
Card data is encrypted in the terminal before it reaches the merchant device. The merchant POS only ever sees a token — your PCI scope shrinks dramatically.
P2PE key injection
BDK keys are injected in a controlled ceremony at the MerasPay key-injection facility. Keys are stamped to a specific terminal serial; lost terminals are revoked centrally.
Tipping and split-tender
Tip prompts (percent or absolute), partial-amount approvals, cash-and-card split-tenders all flow through the same Charge resource.
Receipt printing and email
On-device thermal printing for hardware that supports it, plus per-transaction emailed receipts on every charge. Refunds reprint automatically.
Offline tolerance
Brief network blips queue transactions on-device with a signed timestamp. The terminal flushes the queue when connectivity returns; double-spend is prevented by idempotency.
A typical in-store transaction
- 1
Terminal pulled from rack and signed in
Cashier authenticates against the MerasPay merchant account. Their action and location are recorded for the audit trail.
- 2
Charge created
POS software calls /v1/charges with amount + currency + terminal id. The terminal prompts the cardholder.
- 3
Card presented and authorised
EMV chip dip, contactless tap, or magstripe fallback. The terminal encrypts the cardholder data, calls Cybersource cardpresent, and returns an authorisation.
- 4
Receipt printed, charge captured
The terminal prints, the customer signs or PIN-confirms, and the charge captures synchronously. Settlement happens overnight on the merchant's schedule.
Frequently asked
Where do the terminals come from?▾
MerasPay distributes TopWise hardware certified for the Djibouti market. We handle the key-injection ceremony, terminal provisioning, and merchant-by-merchant assignment.
Is the merchant in PCI scope?▾
With P2PE, the merchant is reduced to SAQ P2PE — by far the lightest PCI assessment. Card data is encrypted at the terminal head before the merchant device ever sees it.
How does cardpresent connect to the rest of MerasPay?▾
A POS charge creates the same Charge resource as any other rail. It posts to the same ledger, emits the same webhooks, and is refundable through the same /v1/refunds endpoint.
What is the status of this product?▾
The orchestrator and Charge resource are production-ready. Cybersource cardpresent and TopWise SDK integration are blocked on vendor onboarding (sandbox merchant id, key-block injection scope, SDK platform target). Hardware roll-out begins as those clear.
Can the same terminal accept QR payments?▾
Yes. The TopWise units include a built-in QR scanner — the same terminal can run an EMV transaction or scan a customer-presented QR. The charge resource is shape-identical.
Ready to integrate?
Get a sandbox account in minutes. Production goes live after a brief KYB review.