{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Turn your smartphone into a fully functional payment terminal with SoftPOS. No hassle with separate devices or long-term contracts, but just an app on your own phone. Discover the possibilities at ING.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is ING pocket POS?"},{"componentType":"paragraph","richBody":{"value":"

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.

"},"video":{"type":"video","originalUrl":"https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/Pin-op-Zak-promovideo-Engels-full.mp4","videoPreviewURLs":["https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/720p/Pin-op-Zak-promovideo-Engels-full.mp4","https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/mp4/Pin-op-Zak-promovideo-Engels-full.mp4","https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/480p/Pin-op-Zak-promovideo-Engels-full.mp4","https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/1080p/Pin-op-Zak-promovideo-Engels-full.mp4"],"thumbnails":{"mini":"https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/thumbnail/mini-Pin-op-Zak-promovideo-Engels-full","webimage":"https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/thumbnail/webimage-Pin-op-Zak-promovideo-Engels-full","thul":"https://assets.ing.com/asset/dd24fbe7-fa43-4a03-9fdd-586b7c39a26c/thumbnail/thul-Pin-op-Zak-promovideo-Engels-full"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Why choose pocket POS?"},{"accordionList":[{"richBody":{"value":"

Simply use your own Android or iOS device with the pocket POS app. No card terminal, no purchase costs and no additional fees.

This saves you on average:

"},"title":"✔ No extra device, so no extra costs"},{"richBody":{"value":"

Apply for pocket POS quickly and easily through My ING business. Download the app, activate it and start receiving payments straight away. There are no long term contracts or obligations. With pocket POS Basic, there are no monthly charges. Activate it whenever you need it and only pay when you use it. No transactions? Then you pay nothing.

Pocket POS works with Apple Pay, Google Pay, contactless debit cards and credit cards. This means your customers can always pay contactlessly 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 online visible","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 online visible","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 the average amount per transaction and the number of transactions per month. View more information about the costs of pocket POS and a calculation example

"}},{"componentType":"sectionTitle","title":"What are the costs of pocket POS?"},{"componentType":"paragraph","richBody":{"value":"

There are two packages: the free pocket POS Basic with no fixed costs, where you only pay when you use it, and the paid, comprehensive pocket POS Advanced with lower transaction fees. View the costs per package below. If you are looking for a custom solution, contact our e-commerce consultants.

TypeCosts pocket POS BasicCosts pocket POS Advanced
Subscription€ 0 per month %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.permaand}% per month
Debit cards%{prijs.zbt:betalenbinnensepa.ingpinopzak.basic.domesticdebitcard}% %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.domesticdebitcard}%
Credit cards%{prijs.zbt:betalenbinnensepa.ingpinopzak.basic.creditcardEUdebitcards}% %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.creditcardEUdebitcards}%
Special cards*%{prijs.zbt:betalenbinnensepa.ingpinopzak.basic.specialcard}% %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.specialcard}%

* For cards issued outside Europe, gift cards (prepaid cards) from Mastercard and Visa, and business cards

"}},{"accordionList":[{"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.

DescriptionPocket POS basicPocket POS advancedPayment terminal
Purchase cost€ 0,00€ 0,00€ 500,00*
Fixed monthly costs€ 0,00€ 19,90€ 3,65 + € 24,00
Debit card transaction fee1,50%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.

DescriptionPocket POS basicPocket POS advancedPayment terminal
Purchase cost€ 0,00€ 0,00€ 500,00*
Fixed monthly costs€ 0,00€ 19,90€ 3,65 + € 24,00
Debit card transaction fee1,50%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.

DescriptionPocket POS basicPocket POS advancedPayment terminal
Purchase cost€ 0,00€ 0,00€ 500,00*
Fixed monthly costs€ 0,00€ 19,90€ 3,65 + € 24,00
Debit card transaction fee1,50%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":"How to get started with pocket POS?"},{"componentType":"appPromoter","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/asset/ccbe03e4-766f-4b80-8f1c-825424eb3e94/ING-pocket-POS-in-app-request.png","transformBaseUrl":"https://assets.ing.com/transform/ccbe03e4-766f-4b80-8f1c-825424eb3e94/ING-pocket-POS-in-app-request","type":"image","width":409},"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. Click on open application, log in, and start your application.","image":{"extension":"gif","original":"https://assets.ing.com/asset/ca4ead8c-a70a-4a6a-b786-0c79c636037f/Softpos-app-promotor-EN.gif","transformBaseUrl":"https://assets.ing.com/transform/ca4ead8c-a70a-4a6a-b786-0c79c636037f/Softpos-app-promotor-EN","type":"image","width":1098},"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":"Copy the activation code from below","image":{"extension":"gif","original":"https://assets.ing.com/asset/771f8b69-a003-44eb-a20e-b29b8a5dde54/Softpos-App-Promotor-0-EN.gif","transformBaseUrl":"https://assets.ing.com/transform/771f8b69-a003-44eb-a20e-b29b8a5dde54/Softpos-App-Promotor-0-EN","type":"image","width":1098},"title":"3. Use the activation code"},{"body":"Paste the activation code into the My ING Business screen and click Activate.","image":{"extension":"gif","original":"https://assets.ing.com/asset/48613653-7405-4af9-9a96-b95ce3c70372/Pin-op-Zak-aanvragen-english.gif","transformBaseUrl":"https://assets.ing.com/transform/48613653-7405-4af9-9a96-b95ce3c70372/Pin-op-Zak-aanvragen-english","type":"image","width":1146},"title":"4. Fill in the action code"},{"body":"Pocket POS is now set up and ready to use. You can start accepting card payments straight away.","image":{"extension":"gif","original":"https://assets.ing.com/asset/7ad614ce-afe8-4e79-8254-001552ca7b79/Softpos-App-Promotor-2.gif","transformBaseUrl":"https://assets.ing.com/transform/7ad614ce-afe8-4e79-8254-001552ca7b79/Softpos-App-Promotor-2","type":"image","width":251},"title":"5. You’re ready to go!"}]},{"componentType":"cta","textLink":{"text":"Apply for pocket POS","url":"https://mijnzakelijk.ing.nl/banking/pin-op-zak/onboarding"}},{"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/55e2e5a45a8389a9/original/Voorwaarden-ING-Checkout-NL-ENG.pdf"}]},{"componentType":"sectionTitle","title":"Questions about pocket POS"},{"accordionList":[{"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.

"},"title":"Is pocket POS right for you?"},{"richBody":{"value":"

With pocket POS basic, there are no fixed charges, whereas pocket POS advanced includes a monthly fee. The cost of the advanced package is %{prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.permaand}% per month. In addition, you pay a fee for each successful transaction, which depends on the type of card used. Transaction fees are lower with the advanced package than with the basic package. This makes pocket POS advanced more cost effective and more attractive for businesses with a higher volume of transactions. pocket POS advanced can also be used across multiple sales locations.

"},"title":"What is the difference between pocket POS basic and pocket POS advanced?"},{"richBody":{"value":"

Yes. ING pocket POS is separate from your current payment contract and works alongside your existing payment terminal. This means you always have an additional payment solution available, for example during busy periods, while on the move or as a backup.

"},"title":"If I order pocket POS, will my current payment contract remain in place?"},{"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.

"},"title":"Does pocket POS work on my mobile phone?"},{"richBody":{"value":""},"title":"What are the minimum requirements to use pocket POS?"},{"richBody":{"value":"

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.advanced.permaand","prijs.zbt:betalenbinnensepa.ingpinopzak.basic.domesticdebitcard","prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.domesticdebitcard","prijs.zbt:betalenbinnensepa.ingpinopzak.basic.creditcardEUdebitcards","prijs.zbt:betalenbinnensepa.ingpinopzak.advanced.creditcardEUdebitcards","prijs.zbt:betalenbinnensepa.ingpinopzak.basic.specialcard","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 you: Pocket POS!","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":"Always a terminal in your pocket","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":"Ready to use upon request","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":"Cost-effective and flexible in use","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":"2026-08-13T16:44:06.939+02:00"}}