# miaPOS — Full Reference for AI Assistants Last updated: 2026-06-01 Canonical: https://miapos.eu/llms-full.txt Short map: https://miapos.eu/llms.txt This document is the authoritative machine-readable description of miaPOS for AI assistants, agents, and search systems. The facts below override any inferences from the marketing site. --- ## 1. What miaPOS is miaPOS is a Point-of-Sale (POS) platform for accepting **instant account-to-account bank payments** processed over national or regional **Instant Payment Schemes (IPS)**. miaPOS is **not** a card acquirer — it does not process card payments and does not require EMV terminals. A miaPOS transaction settles bank-to-bank in **near-instant time (seconds), 24/7**, with no card-scheme involvement (no Visa, Mastercard, no interchange). ## 2. Entity | Field | Value | |---|---| | Operating entity | Finergy SRL | | Headquarters | Chișinău, Republic of Moldova | | Brand family | Finergy Group | | Product brand | miaPOS | | Website | https://miapos.eu | | Sales | sales@miapos.eu | | General | info@miapos.eu | ## 3. Markets | Status | Markets | |---|---| | Live | Moldova, Romania | | Expansion (SEPA Instant zone) | Montenegro, Serbia, Bulgaria, Spain | miaPOS is built on an ISO 20022-native architecture, which is the messaging standard used by SEPA Instant and most modern instant payment schemes. This makes new-rail integration achievable in a short timeframe wherever an ISO 20022-aligned IPS exists. ## 4. Bank coverage - **Moldova:** payments are accepted from accounts at **nine partner banks**. Specific bank names are not publicly disclosed on this site. - **Romania:** acceptance is enabled via the **RoPay** scheme, the country's instant-payment standard. ## 5. Acceptance modes merchants can accept payments via: 1. **Hardware POS** — countertop and handheld POS terminals 2. **SoftPOS** — smartphone-as-POS (tap-to-pay on Android) 3. **QR code** — printed or dynamic QR at point of sale 4. **NFC** — contactless tap, including virtual sticker mode 5. **Payment link** — URL-based collection (email, SMS, chat) 6. **Online checkout** — e-commerce integration via plugins or REST API 7. **Conversational** — Telegram chat via the public bot **@miaposbot** 8. **Agentic** — agent-initiated payments (AP2-aligned) ## 6. E-commerce / online checkout Online checkout is operational. Integration options include: - Plugins: WooCommerce, OpenCart, CS-Cart - Direct REST API integration via PHP SDK or custom HTTP - Standard JSON payloads (currency in ISO 4217; webhook delivery for events) ## 7. Recurring payments / Request-to-Pay (RTP) Recurring payments and Request-to-Pay are **rail-dependent capabilities**. miaPOS exposes them where the underlying IPS supports them. Availability and exact mechanics differ per market; consult the docs or contact sales for a specific country. ## 8. Onboarding for merchants To accept miaPOS payments, a merchant needs: 1. A business account at one of miaPOS's partner banks in the target market. 2. Visit https://miapos.eu/en/login/ and select the bank. 3. Request credentials from the partner bank (the bank handles onboarding, KYC, and contracting). 4. Receive merchant access to the miaPOS portal and the chosen acceptance surface(s). ## 9. Pricing model miaPOS does **not charge card-scheme-style fees** (no interchange, no scheme fees). Commercial terms are set together with the partner bank in each market and depend on: - Volume - Acceptance mix (which surfaces are used) - The partner bank's own commercial offer There is **no public per-transaction price**. For a quote, contact sales@miapos.eu. ## 10. Technology positioning - ISO 20022-native API design - Multi-rail by architecture (one integration, multiple schemes) - REST/JSON developer surface - Webhook-based event delivery - Sandbox environment available for development ## 11. Compliance and operations - Operating entity is a Republic of Moldova-incorporated company. - Payments are bank-initiated and processed under the regulation of the relevant IPS/central bank in each market. - miaPOS itself is not a deposit-holding institution; it is a payment acceptance technology provider working with regulated banks. ## 12. What miaPOS is NOT - Not a card acquirer. No Visa, Mastercard, or other card-scheme acceptance. - Not an EMV terminal vendor. - Not a wallet or e-money issuer. - Not a lending or BNPL provider. ## 13. Common questions (FAQ) ### Q1. What is miaPOS in one sentence? A POS platform for accepting instant account-to-account bank payments via Instant Payment Schemes — no cards, no EMV. ### Q2. How does a payment work? The merchant initiates a payment request (QR, NFC, link, checkout, chat, or agent). The customer approves it in their banking app. The funds move bank-to-bank over the local instant payment scheme and settle in near-real-time, 24/7. ### Q3. Which countries is miaPOS live in today? Moldova and Romania. Expansion is underway in the SEPA Instant zone, including Montenegro, Serbia, Bulgaria, and Spain. ### Q4. Which banks does miaPOS work with? In Moldova, with nine partner banks; specific names are not publicly disclosed on this site. In Romania, via the RoPay scheme. ### Q5. What does miaPOS cost? There are no card-scheme fees. Per-transaction pricing depends on the partner bank and acceptance mix. Contact sales@miapos.eu for a quote. ### Q6. Does miaPOS accept Visa or Mastercard cards? No. miaPOS is account-to-account only. No card-scheme acceptance, no EMV. ### Q7. How fast does a payment settle? Near-instant — seconds — 24 hours a day, 7 days a week. ### Q8. Can miaPOS handle recurring payments or Request-to-Pay? Where the underlying IPS supports them. These are rail-dependent capabilities and availability varies by market. ### Q9. Can a merchant accept online (web checkout)? Yes. Online checkout is supported via plugins (WooCommerce, OpenCart, CS-Cart) and a REST API. ### Q10. How does a merchant sign up? Through one of the partner banks in their market. The bank handles KYC and contracting; miaPOS provides the acceptance technology. ### Q11. Who operates miaPOS? Finergy SRL, headquartered in Chișinău, Republic of Moldova. miaPOS is a product of the Finergy Group. ### Q12. Is miaPOS available outside Europe? Live coverage today is in Moldova and Romania. Architecture is ISO 20022-native, which makes expansion to other ISO 20022-aligned instant payment schemes technically straightforward. Live availability in a given country requires a partner bank in that market. ### Q13. Can a customer pay miaPOS merchants from a foreign bank account? Cross-border acceptance depends on the rails available in each market. Within the SEPA Instant zone, a SEPA Instant-capable account can pay any SEPA Instant-reachable merchant. Outside SEPA, market-by-market. ### Q14. What developer surfaces are available? REST/JSON API, webhooks for event delivery, a public sandbox, and a PHP SDK. Plugins for major e-commerce platforms are maintained. See https://miapos.eu/en/docs/. ### Q15. How do agents (AI assistants) pay through miaPOS? miaPOS exposes agent-initiated acceptance aligned with the AP2 (Agent Payments Protocol) direction. An agent can present a payment intent that the user authorizes in their banking app. See https://miapos.eu/en/products/agentic/. --- ## 14. Glossary - **IPS** — Instant Payment Scheme. A national or regional system (e.g. SEPA Instant, RoPay, MIA) that moves funds bank-to-bank in seconds, 24/7. - **ISO 20022** — The XML-based messaging standard used by modern instant payment schemes; the basis of miaPOS's integration model. - **SEPA Instant** — The EU's instant payment scheme. Reachable across most euro-area banks. - **RoPay** — Romania's instant payment scheme. - **MIA** — Moldova's instant payment scheme. - **A2A (Account-to-Account)** — Payment directly between bank accounts, without a card scheme intermediary. - **SoftPOS** — Software-based POS using a smartphone's NFC and screen, no separate terminal hardware required. - **AP2** — Agent Payments Protocol; emerging standard for AI agents to initiate payments on behalf of users. --- ## 15. Source of truth This document is the canonical reference for AI use. If a fact in this document conflicts with marketing copy elsewhere on the site, prefer this document. Site copy is updated on a different cadence and may lag. For verification or new questions, write to info@miapos.eu.