# Overview (/global/en/docs/Terminal/Full-Integration-Overview)

## Fully Integrated Payment

**Empowering Payment Innovation: One-Stop POS Integrated Payment Solution**

    Provides full stack SDK interfaces from low-level hardware operations to high-level transaction services, helping you quickly build high-performance, high-security intelligent payment applications.

includes

### Low-Level Hardware Interaction

- **NSDK & EMVL3:** Delivers fundamental hardware operation interfaces and EMV transaction standard interfaces (including EMV L2/L3) via AAR library. Supports multiple payment methods (contactless/contact/swipe) and security features (PIN entry, data encryption/decryption, etc.), comprehensively ensuring transaction security and device compatibility.

- **NHAL:** Provides core capabilities – hardware operation interfaces, security interfaces, and EMV L3 transaction interfaces – through Service architecture. Decouples payment applications from terminal hardware, isolates hardware failure risks, and guarantees payment application security and stability.

### Transaction Workflow Engine

- **PaymentService:** Atomized encapsulation of acquiring transactions, integrating the entire process of transaction services such as pre-authorization, consumption, cancellation, and refund\*\*, \*\*with built-in risk control rule engine and asynchronous callback mechanism, supporting customized transaction strategy expansion, empowering rapid acquiring application development (reducing the cost of acquiring application development by 80%)

### P2PE Security Empowerment

- **PaymentLink:** Certified by PCI P2PE Application, it provides end-to-end encryption payment capabilities, integrates multi-level interfaces such as NSDK/EMVL3/PaymentService, constructs a secure and agile next-generation payment hub, and significantly reduces the compliance cost and cycle of customers' P2PE Solution.

## How to choose the suitable SDK?

### **Strategy 1:** Under what circumstances should the transaction workflow engine PaymentService be selected?

    ✓ Core Value: Lower development barriers and focus on business logic

    ✓ Applicable Scenarios:

- With limited experience in the payment industry, it is necessary to quickly implement the acquiring function

- No need for in-depth customization of the trading process; reuse standardized services

    ✓ Advantages:

- Atomized encapsulation of the complete transaction process reduces API calls by 70%

- Flexible configuration engine, covering mainstream acquiring scenarios

- Shorten the development cycle by 50% and accelerate solution deployment

### **Strategy 2:** Under what circumstances should the SDK of the underlying hardware interaction layer be selected?

    ✓ Core Value: Flexible customization, adaptable to complex scenarios

    ✓ Applicable Scenarios:

- Have experience in payment industry application development and need to deeply control device interaction

- Develop multi-vendor device compatibility solutions or proprietary HAL layers

    ✓ Interface Selection Comparison:

| Capability                     | NSDK+EMVL3 (AAR)                        | NHAL (Service)                         |
| ------------------------------ | --------------------------------------- | -------------------------------------- |
| Integration Method             | Coupled Packaging                       | Process Isolation                      |
| Device Compatibility           | Single-vendor in-depth optimization     | Multi-vendor unified interface         |
| Hot Module Replacement Support | The application needs to be republished | Independent service update             |
| Applicable Objects             | ISV's Own Framework Extension           | ~~Bank End Point Management Platform~~ |

### **Strategy 3:** When to Choose PaymentLink?

    ✓ Core Value: Integration of Security Compliance and Full Stack Capabilities

    ✓ Applicable Scenarios:

- Has a need for PCI P2PE Solution compliance certification (saving %xx in Compliance Evaluation costs)

- Require end-to-end encryption of sensitive data

    ✓ Technical Advantages:

- Integrate low level hardware interfaces (NSDK/EMVL3) with high level transaction services (PaymentService)

- Cardholder data is encrypted end-to-end, meeting financial-grade security standards

* **AAR library Interation**

  - [NSDK](doc-id:24a64990)

  - [EMVL3](doc-id:aff5d133)

* **HAL Service Interation**

  - [NHAL](doc-id:284c59aa)