In-person payments overview

In-person payments let you charge a customer on a physical payment terminal using the same Checkout API you already use for online payments. You create a session, point it at a specific terminal, and the terminal prompts the customer to tap, insert, or swipe their card. The integration reuses your existing Checkout client, session profile, and transaction management. The only difference is that the order references a store and terminal, and the payment is completed on the terminal instead of in a hosted page.

In-person payments are powered by Seitatech and use the seitatech.in_person payment type. Backoffice shows this payment method as Card (Present). The two names refer to the same payment method. The terminals are physical card readers provisioned by Dintero.

How it works

Create a session

Send a POST to /v1/sessions-profile with your usual order details, plus order.store.id, order.store.terminal_id, and order.store.payout_destination_id. Enable Card (Present) on your payment profile and reference it with profile_id.

Terminal prompts the customer

Add a publish push/terminal configuration to the session request to initiate the payment on the terminal. Set configuration.channel to in_store so the transaction is recorded as an in-store payment.

Customer pays on the terminal

The customer completes the payment on the terminal. In-person payments are processed as a sale: the transaction is authorized and captured in one step.

Receive the result

Use your callback_url and webhooks to be notified when the transaction is authorized and captured. Manage refunds and voids through the standard Transactions API.

Prerequisites

Before you can take a payment on a terminal, you need:

An active Dintero account with In-Person Payments enabled.
A payout destination for the merchant of record. KYC must be completed.
A store linked to the payout destination.
A terminal registered to the store.
A Checkout API client with the checkout scope.
A payment profile that has Card (Present) enabled. See payment profiles.

See terminal onboarding for how to set up the payout destination, store, and terminal.

If you are a Dintero partner onboarding a new merchant, you can request in-person payments during the merchant invite flow. See Requesting in-person payments for a new merchant.

Identifiers you’ll use

Identifier	Where it comes from	Where it goes in the request
`payout_destination_id`	Created in Backoffice during onboarding	`order.store.payout_destination_id`
`store.id`	Created in Backoffice or via the management API	`order.store.id`
`terminal_id`	Assigned when the terminal is registered	`order.store.terminal_id`

The combination of these three values determines which physical terminal the payment is routed to.

Dintero and your POS system

Dintero provides the payment terminal, card acquiring, and the Checkout API that starts payments on the terminal. Dintero does not provide a POS app or a cash register. You still need a POS system that builds the cart, sends the order to Dintero, and meets the cash register rules in your country.

Task	Handled by
Taking the card payment on the terminal	Dintero
Closing and settling the terminal’s card batch with the acquirer (`end_of_day`)	Dintero
Printing the card payment receipt	Dintero terminal
Cart, checkout flow, and sending the order to the Checkout API	Your POS system
Sales receipt with item lines and VAT	Your POS system
Cash register requirements, such as a certified cash register, control unit, Z report, and electronic journal	Your POS system or cash register provider

The terminal’s end_of_day operation settles card payments. It is not a Z report. Your POS system can print its own sales receipt on the terminal’s printer with print_text, but Dintero does not compose or check that content. Country-specific cash register rules apply to your cash register, not to the Dintero terminal. In Sweden, for example, the control unit requirement and the cash register rules that take effect on 1 January 2027 are the responsibility of your cash register provider.

Checkout Integration

Express Checkout