Terminology used include:


Account provider The SEQR user’s bank or credit institution that accepts and processes payment instructions from SEQR.

API Application Programming Interface, interface to other components within or outside the SEQR system.

App The SEQR apps for iOS, Android and Windows Mobile. “App” can also refer to your app. When the user presses a “pay” button or a link in your app, it launches the SEQR app and presents the bill for the user to confirm the payment (i.e. the user does not need to scan a QR code). This feature requires integration.

Authorization service Interface for authorizing and adding accounts to a SEQR user.


Backend The backend is the backbone of the SEQR system, consisting of the components that support the frontend services; processing all the transactions and keeping information of all subscribers registered with SEQR, etc.

Banklink The standardized API used for clearing of transactions between SEQR and an account provider.


Cash register The register machine receiving payments with SEQR, but normally referred to as “point of sale” (see POS). Also referring to the Cash Register Service API within the SEQR system.

Client Includes the SEQR user using SEQR app, provisioners using ATMs and Internet banking as well as the merchant’s points of sale.

Clearing Is done in real time before the transaction is accepted. SEQR expects this money to be available at a holding account by the time of settlement.


Device Device is a generic word denoting a Mobile Equipment without SIM; such as smartphone, cell phone, mobile handset, mobile terminal, tablet computer, USB-data module, Personal Digital Assistant, etc.

DoS Denial of Service


ERS 360 Electronic Recharge System 360, Seamless payment platform.





Invoice Seamless uses the word “Invoice” for defining the bill sent to the SEQR user.




Loyalty Links merchant’s loyalty cards with SEQR and have the rebates/bonus points automatically added to the points of sale.


Merchant The company selling goods and is waiting for a bill to be paid (can be vendor and/or cashier).


NFC Near Field Communication, a standard based communication technology enabling the device to be used for authorizing payments. SEQR provides payments with NFC through a thin RFID circuit is embedded in the QR code sticker.


OTP One-time password.


P2P Peer to Peer, used for example when sending money from a SEQR subscriber to another person.

POS Point of sale in a physical store.

POS protocol A SOAP based protocol using HTTPS used for communicating with the merchant’s point of sale.

Provider The SEQR user’s banking system providing a SOAP/SSL bank account interface that SEQR can connect to and send requests.

PKI Public-key infrastructure

Provisioning Accounts Service Interface for listing and removing accounts.

Provisioning Devices Service Interface for managing devices for example in case of theft.


QR code Quick Response Code, a matrix (2D) barcode.


Reconciliation Ensures that the balances match at the end of a particular accounting period, performed on a regular and ongoing basis.

Reconciliation reports SEQR reports about transaction date, account number, total sum of the transactions and number of transactions.

Refund The SEQR user has the opportunity to get the money back after a purchase.


SDK Software Developer Kit, providing a set of software development tools for creation of applications.

Settlement SEQR system provides a merchant batch transfer file each day for the aggregated transfers that are to be settled.

SEQR Mobile Wallet SEQR is a system for mobile payments where to pay with your phone instead of using cash or cards.

SEQR server SEQR backend performing the service and the APIs.

SEQR Tab The name of the mobile point of sale that Seamless provides to merchants who do not use a point of sale directly integrated with SEQR.

Services Services are a payment experience directly in the SEQR app, which consists of choosing service options and then paying with SEQR. Example is the Parking service.

SEQR user The consumer paying goods with SEQR.

SOAP Simple Object Access Protocol.

SSL Secure Sockets Layer


Terminal Seamless uses the word “terminal” for registered handsets or point of sale terminals used by a reseller for selling products.




Webshop The SEQR webshop interface provides merchants and service providers the possibility to deliver services and shopping experiences in a webshop solution.