# miaPOS

> miaPOS is a POS platform for accepting instant account-to-account bank payments via Instant Payment Schemes (IPS). No cards, no EMV. Operated by Finergy Tech S.R.L. (HQ Chișinău, Moldova) with EU operations via its subsidiary Instapay Tech S.R.L. (Romania). Live in Moldova and Romania, expanding across the SEPA Instant zone.

This file is a machine-readable map for AI assistants and agents. The full fact dump is at [/llms-full.txt](/llms-full.txt).

## What miaPOS is

- [Home](https://miapos.eu/en/) — product overview
- [For Banks](https://miapos.eu/en/banks/) — bank-channel offering
- [For Industries](https://miapos.eu/en/industries/) — vertical use cases (e-commerce, HoReCa, retail, services)
- [Pricing](https://miapos.eu/en/pricing/) — commercial model
- [FAQ](https://miapos.eu/en/faq/) — common questions

## Products

- [Hardware POS](https://miapos.eu/en/products/hardware-pos/) — countertop and handheld POS terminals
- [Windows CLI for cash registers](https://miapos.eu/en/products/cli-rail/) — a Windows binary (miaposCLI.exe) that any cash-register software invokes from the command line; same argument grammar, same output files (`output_ex.dat` in Windows-1251), same RC codes as the card-terminal CLIs cash-register software already speaks; runs the MIA rail and one or more card-terminal rails in parallel (Arcus2 today, other vendor card CLIs on request); first rail to complete wins, others cancelled automatically; delivery formats: CLI today, DLL and COM roadmap; dev-kit available on request via the on-page form
- [SoftPOS](https://miapos.eu/en/products/softpos/) — smartphone-as-POS, tap-to-pay
- [E-commerce checkout](https://miapos.eu/en/products/ecommerce/) — hosted checkout, plugins (WooCommerce / OpenCart / CS-Cart)
- [Embed checkout](https://miapos.eu/en/products/embed-checkout/) — drop-in JS snippet for inline acceptance on the merchant's own page; channel-agnostic core that also runs inside a Telegram Mini App and on social-link-out landings
- [Payment links](https://miapos.eu/en/products/links/) — URL-based collection
- [Conversational (family)](https://miapos.eu/en/products/conversational/) — in-chat acceptance, two live channels (Telegram + WhatsApp), same broker, same payment rail
- [Conversational · Telegram](https://miapos.eu/en/products/telegram/) — accept via the public Telegram bot @miaposbot; supports inline mode in any chat; no 24-hour reply window
- [Conversational · WhatsApp](https://miapos.eu/en/products/whatsapp/) — accept via the production WhatsApp Business number +373 690 02 773; live since 14.06.2026; 5 locales (RO / RU / EN / FR / DE); phone-based identity (no contact-share handshake); subject to Meta's 24-hour customer-service window for free-form replies
- [Agentic](https://miapos.eu/en/products/agentic/) — agent-initiated payments

## Documentation

- [API docs](https://miapos.eu/en/docs/) — REST API reference, auth, sandbox
- [Quickstart](https://miapos.eu/en/docs/start/quickstart/) — first integration
- [Documentație (RO)](https://miapos.eu/ro/docs/) — Romanian documentation hub: the seller guides that exist in Romanian; developer documentation stays English-only
- [Документация (RU)](https://miapos.eu/ru/docs/) — Russian documentation hub, same split
- [Embed checkout guide](https://miapos.eu/en/docs/embed-checkout/) — drop-in JS snippet developer reference: quickstart, JS API, public status endpoint, idempotency, security model, channel reuse
- [WhatsApp acceptance guide](https://miapos.eu/en/docs/whatsapp/) — seller onboarding (first message binds), command grammar, locales, 24-hour customer-service window, vs Telegram, architecture and security
- [Webhooks](https://miapos.eu/en/docs/api/webhooks/) — event delivery
- [API reference — index](https://miapos.eu/en/docs/api/) — the five miaPOS APIs and what each is for: E-comm, POS, External Integration, Webhooks, signature verification
- [Plugins](https://miapos.eu/en/docs/plugins/woocommerce/) — WooCommerce; also [OpenCart](https://miapos.eu/en/docs/plugins/opencart/), [CS-Cart](https://miapos.eu/en/docs/plugins/cscart/), [PHP SDK](https://miapos.eu/en/docs/plugins/php-sdk/), [custom integration](https://miapos.eu/en/docs/plugins/custom/)
- [Rails](https://miapos.eu/en/docs/rails/aips/) — AIPS protocol; also [ISO 20022](https://miapos.eu/en/docs/rails/iso20022/)
- [POS API — landing](https://miapos.eu/en/docs/api/pos/) — REST API for hardware POS terminals and SoftPOS apps; 25 endpoints across terminal activation, seller auth, shift management, QR transactions, refunds, settings
- [POS API — interactive Redoc reference](https://miapos.eu/en/docs/api/pos/reference/) — full endpoint schemas, examples, error catalogue rendered from the OpenAPI v5 spec
- [POS API — Postman collection](https://miapos.eu/en/docs/api/pos/miapos-pos-api.postman_collection.json) — downloadable Postman collection (paired with an environment template with placeholders)
- [E-comm API — landing](https://miapos.eu/en/docs/api/ecomm/) — merchant-facing REST API for websites, hosted checkouts, embed checkout, payment links, plugins; token auth + payment + RTP + public-key + signed callback
- [E-comm API — interactive Redoc reference](https://miapos.eu/en/docs/api/ecomm/reference/) — full endpoint schemas rendered from OpenAPI v0.0.1 (RTP-enabled), partner base URLs sanitized as placeholders
- [E-comm API — protocol overview (GitHub)](https://github.com/finergy-tech/mia-pay-ecomm-integration/blob/main/docs/en/protocol-overview.md) — long-form protocol description with request/response walk-throughs and plugin patterns, kept in sync by the backend team
- [Android Intent integration](https://miapos.eu/en/docs/paypoints/pos-android-intent/) — on-device integration for cash register / ECR Android apps sharing the device with miaPOS; action, request extras, response extras, error reasons, Kotlin example
- [Signature verification](https://miapos.eu/en/docs/api/signatures/) — authoritative algorithm for E-comm callbacks: sort `result` keys, join values by `;`, verify with SHA256withRSA. Reference implementations in Java, Python, PHP, Node.js
- [Webhooks (E-comm callback)](https://miapos.eu/en/docs/api/webhooks/) — how the E-comm service delivers signed `{result, signature}` bodies to `callbackUrl`, response and retry semantics, terminal statuses
- [miaPOS app — seller's guide (EN)](https://miapos.eu/en/docs/users/miapos-app/) — complete seller guide for the miaPOS terminal app (UI 1.0.25): activation and OTP, opening/closing the working day, dynamic/static/hybrid QR, client-chosen tips, payment link and RTP request (rail-dependent — availability differs per market), PF/PJ payer, transactions and refunds, receipt printing, X/Z reports, QR settings, troubleshooting, statuses and glossary. Markdown mirror: /en/docs/users/miapos-app/index.md
- [MIA Merchant Portal — user guide (EN)](https://miapos.eu/en/docs/users/merchant-portal/) — complete guide to the merchant back office: OTP sign-in without a password, the four access roles (admin, manager, reporter, seller) and what each one sees, dashboard KPIs and charts, the transaction list across POS / e-commerce / RTP channels with filters, details, CSV export and full or partial refunds, payment links and payment requests created and sent from the portal itself (RTP availability is rail-dependent), bulk import of requests from a file, disputes with the acquiring bank including the chat thread, downloadable reports, and the administration of stores, terminals, sellers and portal users. Markdown mirror: /en/docs/users/merchant-portal/index.md
- [Aplicația miaPOS — ghidul vânzătorului (RO)](https://miapos.eu/ro/docs/users/miapos-app/) — ghid complet pentru vânzători, în limba interfeței. Markdown: /ro/docs/users/miapos-app/index.md
- [MIA Merchant Portal — ghidul utilizatorului (RO)](https://miapos.eu/ro/docs/users/merchant-portal/) — ghid complet pentru cabinetul comerciantului, în limba interfeței. Markdown: /ro/docs/users/merchant-portal/index.md
- [Приложение miaPOS — руководство продавца (RU)](https://miapos.eu/ru/docs/users/miapos-app/) — полное руководство продавца на русском. Markdown: /ru/docs/users/miapos-app/index.md
- [MIA Merchant Portal — руководство пользователя (RU)](https://miapos.eu/ru/docs/users/merchant-portal/) — полное руководство по кабинету мерчанта на русском. Markdown: /ru/docs/users/merchant-portal/index.md
- [@miaposbot Telegram seller guide (EN)](https://miapos.eu/en/docs/users/conversational/) — accept payments inside Telegram chats
- [@miaposbot ghid vânzător (RO)](https://miapos.eu/ro/docs/users/conversational/) — Romanian Telegram seller guide
- [@miaposbot руководство продавца (RU)](https://miapos.eu/ru/docs/users/conversational/) — Russian Telegram seller guide
- [@miaposbot guide vendeur (FR)](https://miapos.eu/fr/docs/users/conversational/) — French Telegram seller guide
- [@miaposbot Verkäuferhandbuch (DE)](https://miapos.eu/de/docs/users/conversational/) — German Telegram seller guide
- [WhatsApp seller guide (EN)](https://miapos.eu/en/docs/users/whatsapp/) — selling through the miaPOS WhatsApp Business number: no activation step, the pay command and its shorthands, sending the link on, payment notifications, the 24-hour messaging window, languages
- [Vânzarea în WhatsApp (RO)](https://miapos.eu/ro/docs/users/whatsapp/) — Romanian WhatsApp seller guide
- [Продажи в WhatsApp (RU)](https://miapos.eu/ru/docs/users/whatsapp/) — Russian WhatsApp seller guide
- [Activating your miaPOS terminal on SmartOne (EN)](https://miapos.eu/en/docs/users/activare-pos/) — step-by-step activation guide: install MIA + Palm Payment, permissions, enter IDNO + terminal ID
- [Activarea terminalului miaPOS pe SmartOne (RO)](https://miapos.eu/ro/docs/users/activare-pos/) — step-by-step activation guide: install MIA + Palm Payment, permissions, enter IDNO + terminal ID
- [Активация терминала miaPOS на SmartOne (RU)](https://miapos.eu/ru/docs/users/activare-pos/) — Russian-language step-by-step activation guide
- [Activating your miaPOS terminal on Sunmi (EN)](https://miapos.eu/en/docs/users/activare-pos-sunmi/) — video + text guide for Sunmi P2 / P3: prep, IDNO + Terminal ID, first payment
- [Activarea terminalului miaPOS pe Sunmi (RO)](https://miapos.eu/ro/docs/users/activare-pos-sunmi/) — video + text guide for Sunmi P2 / P3
- [Активация терминала miaPOS на Sunmi (RU)](https://miapos.eu/ru/docs/users/activare-pos-sunmi/) — Russian-language video + text Sunmi activation guide

## Apply

- [Site Check — check your website for miaPOS compatibility](https://miapos.eu/en/site-check/): enter a site URL, get platform detection and an integration plan
- [miaPOS Configurator — which setup fits your business (EN)](https://miapos.eu/en/business-check/): describe your business in a few short answers, receive a personal spec of the recommended products by email in ~5 minutes. English early-access; RU / DE / FR to follow.
- [Configurator miaPOS — găsește setup-ul potrivit (RO)](https://miapos.eu/ro/business-check/): native Romanian landing for Moldova and România. Same flow, RO copy, RO+EN report language options.
- [Merchant onboarding](https://miapos.eu/en/onboarding/) — single-step self-service application for both live markets. Moldova: company IDNO + administrator IDNP + a `+373` contact mobile. Romania: company CUI (the RO prefix is optional) + administrator CNP + a `+40` contact mobile. The country follows from the partner bank you pick. There is no SMS code: the bank matches the two identifiers against its own client records and calls the administrator on the number it already holds, so you must already have a business account at the bank you pick. The phone you type is contact data and reaches the bank marked as not verified by miaPOS. Sending the same company + administrator pair again is the same application under the same reference, not a second one. We hand the application to the bank at info@miapos.eu for activation. Available in EN / RO / RU / FR / DE.

## Contact

- General: info@miapos.eu
- Sales: sales@miapos.eu
- Support: [/en/support.html](https://miapos.eu/en/support.html)

## Legal

- [Terms](https://miapos.eu/en/legal/terms.html)
- [Privacy](https://miapos.eu/en/legal/privacy.html)
- [Business Check terms and processing notice](https://miapos.eu/en/legal/business-fit-terms.html) — how the Business Check tool processes intake data, sub-processors (Anthropic / Brevo / HubSpot / Cloudflare), retention (transcript 180d, report 2y, PII 2y or erasure)
- [Imprint](https://miapos.eu/en/legal/imprint.html)