Vending machine with card payment: no coins, higher sale

No. The terminals from Nayax and Ingenico have a 4G SIM card built in and are online at almost any location. WLAN is optional. Without a separate internet connection, authorisation and telemetry run over the mobile network, and clearing a transaction usually takes under a second.

Yes. The terminals are certified to PCI-DSS, the binding security standard of the card industry. Card data is not stored in the machine but transmitted encrypted to the payment provider and processed there. With NFC payments, the radio range is a few centimetres, so accidental payment while walking past is practically ruled out. The short authorisation chain also protects against manipulation: the machine only forwards the payment, while the actual clearing happens at the provider. For you as the operator, that means you hold no sensitive customer data and don't have to secure your own payment infrastructure.

Yes. At many locations we recommend hybrid machines: an NFC terminal plus a coin changer and note reader in one machine. That way the machine serves both cashless buyers and cash customers, and no one leaves empty-handed because of the payment method. Especially at locations with a mixed audience, such as hotels or stations, this secures every possible sale. Cash-only machines make sense where the audience rarely carries cash anyway, for example in the office or the clinic. Which combination suits your location, we calculate in the quote.

That depends on the payment provider. A pooled credit to your bank account is common, usually daily or weekly. You set the exact terms in the payment contract, which you conclude together with vyndo through one of the connected providers such as Nayax or Ingenico. The revenue does not run through vyndo, but goes directly from the provider to your account, so you keep full control over your income. In the dashboard you see every transaction in real time, and the payout follows the agreed rhythm. Additional fees only apply as the usual discount rate per sale.

Some terminals allow a tipping option (for coffee-to-go).

Yes. Credit cards from Visa, Mastercard and American Express work internationally, as do Apple Pay and Google Pay. The Girocard is usually limited to Germany and the EU. At locations with an international audience, such as hotels or stations, a credit-card-capable terminal is therefore essential.

Yes. For canteens and company premises we integrate closed RFID systems (closed loop). Your staff pay with their employee badge, and subsidised or flat-rate prices can be stored per badge group. Billing runs centrally through the system, with no cash handling at the machine and without each purchase having to be settled individually. This suits free-vending or subsidy models especially well, where the employer covers all or part of the catering. The badge then serves as both an access and a payment medium, so no additional card is needed. You see the revenue and withdrawals in the dashboard, broken down by group.