Pocket POS is the SoftPOS solution of ING that turns your smartphone into a payment terminal. Customers pay securely with a debit card, digital wallet, or credit card, and you receive the amount daily in your business account. Without extra hardware or fixed contracts.
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Add pocket POS via My ING business, download the app, activate it and start accepting payments straight away. You’re not tied to contracts with obligations or fixed costs. Activate pocket POS whenever you need it and pay per use. No transactions, no fees. It works with Apple Pay, Google Pay and contactless cards, so customers can always pay with debit and credit cards in the way that suits them best.
"},"title":"✔ Ready to use, without long-term contracts"},{"richBody":{"value":"Pocket POS meets the highest payment standards (PCI, EMVCo). Pin codes are entered safely, just as with a traditional payment terminal.
"},"title":"✔ Secure and reliable"},{"richBody":{"value":"By linking pocket POS with ING Checkout, all your transactions appear in one overview. This allows customers to order online and pick up and pay in-store, and vice versa.
"},"title":"✔ Connect online and offline"},{"richBody":{"value":"As an ING customer, adding pocket POS is quick and easy. No extra checks, ready to use straight away, and one single point of contact for all your payment services.
"},"title":"✔ Everything with one bank"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Pocket POS: a solution for every business"},{"comparisonCardList":[{"amount":{"microCopy":"Pay per use","value":"0"},"cta":{"componentType":"cta","textLink":{"text":"Apply for pocket POS Basic","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"}},"title":"Basic","usps":[{"body":"No fixed monthly costs, you only pay per use","iconType":"check-mark"},{"body":"Cancelable monthly","iconType":"check-mark"},{"body":"Transactions visible in your ING Checkout Portal","iconType":"check-mark"},{"body":"Ability to link multiple devices","iconType":"check-mark"},{"body":"Receive daily pay-outs on your business account","iconType":"check-mark"},{"body":"Suitable for multiple sales locations","iconType":"cross"}]},{"amount":{"microCopy":"per month + costs per transaction","value":"19.90"},"cta":{"componentType":"cta","textLink":{"text":"Apply for pocket POS Advanced","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"}},"highlight":"Best value from 160 transactions*","title":"Advanced","usps":[{"body":"Lower costs with higher transaction volumes","iconType":"check-mark"},{"body":"Cancelable monthly","iconType":"check-mark"},{"body":"Transactions visible in your ING Checkout Portal","iconType":"check-mark"},{"body":"Ability to link multiple devices","iconType":"check-mark"},{"body":"Receive daily pay-outs on your business account","iconType":"check-mark"},{"body":"Suitable for multiple sales locations","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"Basic,Advanced"},{"componentType":"paragraph","richBody":{"value":"* Which solution is most cost-effective depends on a few key factors:
1. The average amount per transaction
2. The number of transactions per month
Pocket POS Advanced becomes more cost-effective from 160 transactions with an average transaction value of €25.
View more information about the costs of pocket POS and a calculation example
Pocket POS works seamlessly with ING Checkout. It gives you a single overview of all your online sales via ING Checkout and card payments via pocket POS. Order online and pick up and pay in-store? It's now possible. This way, you create a seamless shopping experience.
"},"title":"Convenient!"},{"componentType":"sectionTitle","title":"How to get started with pocket POS?"},{"componentType":"appPromoter","deviceSpecificAppDownload":{"android":{"image":{"extension":"png","original":"https://assets.ing.com/asset/81dca509-722c-48eb-9e49-0ada4f2e05be/Get_it_on_Google_Play_small.png","transformBaseUrl":"https://assets.ing.com/transform/81dca509-722c-48eb-9e49-0ada4f2e05be/Get_it_on_Google_Play_small","type":"image","width":474},"link":{"url":"https://play.google.com/store/apps/details?id=com.paynl.softpos"},"qrCode":{"extension":"png","original":"https://assets.ing.com/asset/e3b24fb1-2fd4-43df-b2b5-0d937054f26d/Pin-op-Zak-Google.png","transformBaseUrl":"https://assets.ing.com/transform/e3b24fb1-2fd4-43df-b2b5-0d937054f26d/Pin-op-Zak-Google","type":"image","width":249},"title":"Download for Android"},"ios":{"image":{"extension":"svg","original":"https://assets.ing.com/asset/971200d6-795d-4ba2-b409-14904ed53300/CTA-Store-Apple.svg","transformBaseUrl":"https://assets.ing.com/transform/971200d6-795d-4ba2-b409-14904ed53300/CTA-Store-Apple","type":"image","width":119},"link":{"url":"https://apps.apple.com/nl/app/pay-pos/id6468886450"},"qrCode":{"extension":"png","original":"https://assets.ing.com/asset/924410e0-a188-4ea4-bf63-cafe6ac7a461/Pin-op-Zak-Apple.png","transformBaseUrl":"https://assets.ing.com/transform/924410e0-a188-4ea4-bf63-cafe6ac7a461/Pin-op-Zak-Apple","type":"image","width":253},"title":"Download for IOS"}},"featureSlideList":[{"body":"Pocket POS is easy to apply for online and use immediately. Follow these 4 steps and turn your phone into a payment terminal","image":{"extension":"png","original":"https://assets.ing.com/m/64cb88714f0a9bb7/original/SoftPOS-App-promotor-1.png","transformBaseUrl":"https://assets.ing.com/transform/845ace9a-f63e-48de-8be4-151417497a63/SoftPOS-App-promotor-1","type":"image","width":375},"link":{"text":"Apply for pocket POS","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"},"title":"Start with pocket POS"},{"body":"Simply via My ING business.","image":{"extension":"jpg","original":"https://assets.ing.com/asset/03844e27-b3c5-4d39-917f-bbf6f1672b2a/SoftPOS-App-promotor-0.jpg","transformBaseUrl":"https://assets.ing.com/transform/03844e27-b3c5-4d39-917f-bbf6f1672b2a/SoftPOS-App-promotor-0","type":"image","width":375},"link":{"text":"Open application","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"},"title":"1. Request pocket POS"},{"body":"You will find it under the name PAY.POS in the Apple App Store or Google Play Store.","image":{"extension":"png","original":"https://assets.ing.com/m/dcd87a493b384d5/original/SoftPOS-App-promotor-5.png","transformBaseUrl":"https://assets.ing.com/transform/2841a8a3-e2cd-468c-80a7-18d9c9c05789/SoftPOS-App-promotor-5","type":"image","width":375},"title":"2. Download the pocket POS app"},{"body":"Click on 'or use activation code' and enter the details from My ING Business here","image":{"extension":"png","original":"https://assets.ing.com/m/7a5552a31e74585b/original/SoftPOS-App-promotor-7.png","transformBaseUrl":"https://assets.ing.com/transform/3f1e8aa2-045e-4ad7-92a2-90a6acb7d7b3/SoftPOS-App-promotor-7","type":"image","width":375},"title":"3. Activate the PAY.POS app"},{"body":"Pocket POS is now set up and ready to use. You can start accepting card payments straight away.","image":{"extension":"png","original":"https://assets.ing.com/m/64cb88714f0a9bb7/original/SoftPOS-App-promotor-1.png","transformBaseUrl":"https://assets.ing.com/transform/845ace9a-f63e-48de-8be4-151417497a63/SoftPOS-App-promotor-1","type":"image","width":375},"title":"4. You’re ready to go!"}]},{"componentType":"cta","textLink":{"text":"Apply for pocket POS","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"}},{"componentType":"sectionTitle","title":"What are the costs of pocket POS?"},{"componentType":"paragraph","richBody":{"value":"There are 2 packages: the free pocket POS Basic and the more comprehensive pocket POS Advanced. You can easily add it to your existing ING Checkout contract. If you have ING Checkout Basic, pocket POS Basic is free. If you have Checkout Advanced, you can add pocket POS for € 9,90 per month.
With pocket POS Basic, you pay no fixed fees. You only pay per transaction. The rate depends on the card type.
| Card type | Rate |
|---|---|
| Debit cards | %{prijs.zbt:betalenbinnensepa.ingpinopzak.basic.domesticdebitcard}% |
| Credit cards | %{prijs.zbt:betalenbinnensepa.ingpinopzak.basic.creditcardEUdebitcards}% |
* For cards issued outside Europe, gift cards (prepaid cards) from Mastercard and Visa, and business cards, the fee is %{prijs.zbt:betalenbinnensepa.ingpinopzak.basic.specialcard}%.
"},"title":"More about pocket POS Basic"},{"richBody":{"value":"For pocket POS Advanced, you pay a fixed monthly fee of € 19,90. In addition, you pay per successful transaction, with the rate depending on the card type. The transaction fees in the Advanced package are lower than in the Basic package. This makes ING Checkout Advanced both more cost-effective and more attractive for businesses with higher transaction volumes.
| Card type | Rate |
|---|---|
| Debit cards | %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.domesticdebitcard}% |
| Credit cards | %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.creditcardEUdebitcards}% |
* For cards issued outside Europe, gift cards (prepaid cards) from Mastercard and Visa, and business cards, the fee is %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.specialcard}%.
"},"title":"More about pocket POS Advanced"},{"richBody":{"value":"With pocket POS, you save on costs such as:
Which solution is most cost-effective depends on 2 key factors:
To help you decide, we’ve outlined 3 scenarios: low transaction value (average € 5,00), medium transaction value (average € 25,00) and high transaction value (average € 40,00). This way, you can quickly see which option is best for your business.
Low transaction value (average € 5,00)
Do you run a business where customers usually pay small amounts? In the example below, you can see which solution is most cost-effective for an average transaction of € 5,00.
In this case, pocket POS Basic is the most cost-effective option up to 800 transactions per month. If you have more than 800 transactions, pocket POS Advanced becomes the cheaper solution.
| Description | Pocket POS Basic | Pocket POS Advanced | Payment terminal |
|---|---|---|---|
| Purchase cost | € 0,00 | € 0,00 | € 500,00* |
| Fixed monthly costs | € 0,00 | € 19,90 | € 3,65 + € 24,00 |
| Debit card transaction fee | 1,50% | 1,00% | € 0,065 |
| 72 transactions per month | € 5,40 | € 23,50 | € 42,75 |
| 100 transactions per month | € 7,50 | € 24,90 | € 44,57 |
| 124 transactions per month | € 9,30 | € 26,10 | € 46,13 |
| 160 transactions per month | € 12,00 | € 27,90 | € 48,47 |
| 800 transactions per month | € 60,00 | € 59,90 | € 90,07 |
Medium transaction value (average € 25,00)
If your customers spend around € 25,00 per transaction, check the example below to see which payment solution is most cost-effective.
From 160 transactions per month, pocket POS Advanced is cheaper than pocket POS Basic. However, in this case, buying a card terminal becomes more cost-effective if you process more than 124 transactions per month.
| Description | Pocket POS Basic | Pocket POS Advanced | Payment terminal |
|---|---|---|---|
| Purchase cost | € 0,00 | € 0,00 | € 500,00* |
| Fixed monthly costs | € 0,00 | € 19,90 | € 3,65 + € 24,00 |
| Debit card transaction fee | 1,50% | 1,00% | € 0,065 |
| 72 transactions per month | € 27,00 | € 37,90 | € 42,75 |
| 100 transactions per month | € 37,50 | € 44,90 | € 44,57 |
| 124 transactions per month | € 46,50 | € 50,90 | € 46,13 |
| 160 transactions per month | € 60,00 | € 59,90 | € 48,47 |
| 800 transactions per month | € 300,00 | € 219,90 | € 90,07 |
High transaction value (average € 40,00)
If your business has higher transaction values, the cost picture changes. Below is an example for an average transaction of € 40,00.
pocket POS Basic is cheaper up to 100 transactions per month. If you process more than 100 transactions monthly, choose pocket POS Advanced. A traditional card terminal becomes the most cost-effective option from 72 transactions per month.
| Description | Pocket POS Basic | Pocket POS Advanced | Payment terminal |
|---|---|---|---|
| Purchase cost | € 0,00 | € 0,00 | € 500,00* |
| Fixed monthly costs | € 0,00 | € 19,90 | € 3,65 + € 24,00 |
| Debit card transaction fee | 1,50% | 1,00% | € 0,065 |
| 72 transactions per month | € 43,20 | € 48,70 | € 42,75 |
| 100 transactions per month | € 60,00 | € 59,90 | € 44,57 |
| 124 transactions per month | € 74,40 | € 69,50 | € 46,13 |
| 160 transactions per month | € 96,00 | € 83,90 | € 48,47 |
| 800 transactions per month | € 480,00 | € 339,90 | € 90,07 |
*In this example, a paument terminal is depreciated over 4 years.
"},"title":"Is pocket POS or a payment terminal more cost-effective for you?"}],"componentType":"accordion"},{"body":"Introduction offer:","bodyBold":"Add pocket POS Advanced to your ING Checkout Advanced package now for free and save %{prijs.zbt:betalenbinnensepa.checkoutadvanced.ingpinopzak.per.maand}% per month!","bodyThree":"After the Introduction offer, the standard costs listed above will apply.","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/m/7e4f399ea022700/original/Circle-Coins-5.svg","transformBaseUrl":"https://assets.ing.com/transform/d27618f8-536e-4772-b86f-5119edab45ae/Circle-Coins-5","type":"image","width":64},"textLink":{"text":"Apply for pocket POS","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"}},{"componentType":"sectionTitle","title":"Is pocket POS right for you?"},{"componentType":"paragraph","richBody":{"value":"Are you an entrepreneur looking to accept card payments quickly, easily and flexibly? Then consider pocket POS. It’s ideal when:
If you work on the go, want to look professional and don’t want extra devices, pocket POS is a great option for you.
"}},{"componentType":"highlight","richBody":{"value":"Pocket POS is linked to ING Checkout. All your transactions via pocket POS and ING Checkout are shown in one overview. And that’s not all. Customers who purchased something online via ING Checkout can easily pick it up and pay for it in your store (or vice versa). This creates a seamless shopping experience for your customers.
"},"title":"Connect online and offline"},{"componentType":"sectionTitle","title":"Terms and conditions"},{"componentType":"paragraph","richBody":{"value":"When you apply for pocket POS, it’s important to know what to expect. ING partners with PAY. for pocket POS. PAY. is a Dutch Payment Service Provider offering a wide range of payment methods. When you apply for pocket POS, the ING Checkout terms and conditions apply.
"},"textLinks":[{"text":"Terms and conditions pocket POS (PDF)","url":"https://assets.ing.com/m/3441af8d3f533efd/original/Voorwaarden-ING-Checkout-NL-NL.pdf"}]},{"componentType":"sectionTitle","title":"Questions about pocket POS"},{"accordionList":[{"richBody":{"value":"Yes, pocket POS is secure and reliable. It complies with the strictest payment standards: PCI and EMVCo.
"},"title":"Is pocket POS safe?"},{"richBody":{"value":"Pocket POS works on most modern Android and iOS devices with NFC.
Android
Your Android device must run at least version 11 and must not be jailbroken or in debug mode. This also applies to other handhelds such as Zebra, Sunmi or similar devices.
iOS
Your iOS device must be an iPhone XS or newer, running iOS 16.4 or higher.
Payments are cleared daily. Payments are credited to your business account the next business day.
"},"title":"When will the payments be credited to my account?"},{"richBody":{"value":"Any fixed fees and the costs per successful transaction are invoiced via the Business account statement you receive from ING each month. The invoice can be found in My ING business.
"},"title":"When and how are the fixed fees and transaction costs charged?"}],"componentType":"accordion"},{"componentStyle":"default","componentType":"linkList","iconTitle":{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c2465a2e1603f5f/original/Feedback-Light_Bulb_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","width":32},"title":"Also interesting for you"},"textLinks":[{"text":"ING Checkout","url":"/en/business/accepting-payments/ing-checkout"},{"text":"Buy a payment terminal","url":"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners"},{"text":"Arrange a payment contract","url":"/en/business/accepting-payments/payment-terminals/accepting-card-payments"},{"text":"View all getting paid solutions","url":"/en/business/accepting-payments"}]}]},"hasMacro":true,"id":"318006df-c132-4d74-88ba-47a23a8b312c","localeString":"en-GB","macros":["prijs.zbt:betalenbinnensepa.ingpinopzak.basic.domesticdebitcard","prijs.zbt:betalenbinnensepa.ingpinopzak.basic.creditcardEUdebitcards","prijs.zbt:betalenbinnensepa.ingpinopzak.basic.specialcard","prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.domesticdebitcard","prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.creditcardEUdebitcards","prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.specialcard","prijs.zbt:betalenbinnensepa.checkoutadvanced.ingpinopzak.per.maand"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Other accepting payments solutions","url":"/en/business/accepting-payments/payment-terminals"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/2dd37245e8f44339/original/SoftPOS-Vintage-store-transaction-overview.jpg","transformBaseUrl":"https://assets.ing.com/transform/2b72bc38-b9e2-4d82-a31f-e290e8ac2dae/SoftPOS-Vintage-store-transaction-overview","type":"image","width":1920},"promoStickerLayout":"Commercial&engagement","promoText":"Free for ING Checkout customers!","subtitle":"From calling to paying: turn your smartphone into a payment terminal. Accept payments wherever you are without additional devices and contracts.","title":"ING pocket POS"},"cta":{"componentType":"cta","textLink":{"text":"Apply for pocket POS","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"}},"usps":[{"body":"Quick to set up and ready to use","icon":{"extension":"svg","original":"https://assets.ing.com/m/4956082ce4df274f/original/stopwatchnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/9b648775-2b02-4c0e-95a1-c5c92679d61b/stopwatchnopadding","type":"image","width":100}},{"body":"No fixed contract, cancel monthly","icon":{"extension":"svg","original":"https://assets.ing.com/m/3c5ca4aba9287165/original/lockopen2nopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/2b96e340-6abb-4d4a-91f3-7b536dfccea4/lockopen2nopadding","type":"image","width":128}},{"body":"Seamless integration with ING Checkout","icon":{"extension":"svg","original":"https://assets.ing.com/m/15f617cf20221de4/original/laptop_nopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/2944aa70-13df-46dc-9a29-5e8d639a9dc4/laptop_nopadding","type":"image","width":128}}]},"publishDate":"2026-06-30T15:32:25.332+02:00"}}