Imagine a student tapping their ID card at the campus coffee machine and automatically receiving their discounted price. Minutes later, their visiting parent uses Apple Pay at the same machine, paying full price as a visitor. Both transactions happen seamlessly, on the same device, creating the perfect experience for each user. This is what our HybridPay Terminal makes possible.

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Introducing the HybridPay Terminal (HPT25), the hardware that harnesses the power of both open- and closed-loop payment systems in one device, enabling the HybridPay solution where every transaction is optimised for the person making it.

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Whether you're running a university cafeteria, corporate campus, library, or mobility hub, you no longer have to choose between serving your regulars well and welcoming everyone else.

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The Challenge of Fragmented Payment Experiences

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Semi-public spaces face a payment dilemma: they serve both regular customers (students, staff, members) and occasional visitors, yet outdated systems force them to choose between these groups.

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Open-loop payment systems bring universal accessibility by accepting payment methods we all have, credit and debit cards or Apple Pay and Google Pay. Still, they do not offer personalised pricing for specific user groups to reward loyalty, and high transaction fees erode margins.

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Closed-loop payment systems enable a customisable experience with personalised pricing for defined user groups, but create barriers for visitors. Every "sorry, we only accept campus cards" moment frustrates potential customers and limits revenue opportunities.

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Consumers expect seamless payment experiences across all channels and methods. They shouldn't have to think about whether their preferred payment method will work, yet most semi-public spaces still force this compromise.

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HybridPay: XPP's Solution for Semi-Public Spaces

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XPP's KUARIO HybridPay Terminal transforms how semi-public spaces handle transactions by modernising the payment experience.

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The HybridPay Terminal intelligently recognises who's paying and responds according to the conditions set by the operator for each user group. For example:

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• Students tap their ID cards for discounted meals and free printing
• Staff members get employee discounts across all services
• VIP visitors receive complimentary vouchers or special rates
• Casual visitors pay seamlessly with any card or mobile wallet

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The Benefits of KUARIO, Beyond HybridPay Terminal

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While KUARIO’s HybridPay Terminal enables hybrid open- and closed-loop payment capabilities, the benefits of its comprehensive payment solution go beyond the terminal itself.

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KUARIO Handles All Clearing and Settling

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What truly sets KUARIO apart is that it takes over the financial administrative burden for you. KUARIO manages all payment clearing and settlement through a single financial contract, allowing you to focus on creating exceptional customer experiences.

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Complete Payment Control

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Beyond simplified administration, KUARIO gives you complete control over your payment experience with valuable user insights, customizable user groups, and tailored privileges for employees, students, and guests.

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The HybridPay Terminal (HPT25)

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The new HybridPay Terminal enables a comprehensive solution through thoughtful engineering:

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Universal Payment Acceptance

• Open-loop: Visa, Mastercard, Apple Pay, Google Pay, and regional payment methods
• Closed-loop: Campus cards, employee IDs, KUARIO App Wallet, and member cards
• Mobile-first: QR codes for app-based payments
• Smart recognition: Automatic application of discounts for pre-defined user groups

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Built for Real-World Deployment

• Compact design fits standard kiosk cut-outs and counter installations; EVA Mini | 108 x 75 x 43mm | Front mounting | Cutout: EVA CDM cutout 73 x 61mm (W x H)
• Readers 13,56MHz Contactless | 1D & 2D codes
• PIN-on-glass 3.5''TFT 480 x 320 touch screen for secure high-value transactions
• Always connected via KUARIO POSCloud API, LAN, Wi-Fi, Bluetooth, and optional 4G
• Built to IP65 and IK09 standards for demanding environments
• Flexible integration, works standalone or with existing infrastructure such as vending or coffee machines and multifunctional printers

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Complete KUARIO Ecosystem Integration

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The HybridPay Terminal operates within XPP's KUARIO's comprehensive platform:

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KUARIO Management Dashboard provides centralised management of devices, pricing, and privileges across all locations. Real-time monitoring and clear financial reporting give you complete visibility and control.

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POSCloud API enables seamless integration with third-party systems, ensuring HybridPay works with your existing technology stack.

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Enterprise-grade security and compliance with PCI PTS 6.x, EMV certifications, and adherence to PSD2, GDPR, and ISO 27001 standards protect your operations and customers.

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The Future of Semi-Public Payments Systems

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Whether you're a university looking to discount student meals whilst welcoming parents, a corporate campus wanting to reward employees whilst accommodating contractors, or a library aiming to serve both staff and public patrons, KUARIO’s HybridPay delivers the payment experience your space needs.

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Ready to modernise your payment experience? Contact us today to discover how HybridPay can transform your semi-public space into a place where every transaction works perfectly for every user.

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