Commercial Android COTS

Payment Application Development for Commercial Android COTS Devices

Build your payment experience around the commercial Android device you choose. Paying.co develops business applications and integrates supported device-specific SoftPOS implementations, peripherals, and backend systems into a complete operational workflow.

COTS means commercial off-the-shelf. The term does not by itself establish payment approval status, and not every commercial Android device includes a SoftPOS implementation.

Is this the right page?

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You chose a commercial Android deviceWith its own supported SoftPOS implementation.
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You need what surrounds acceptanceThe business app, peripherals, backend, and deployment.
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Broader SoftPOS or a new solution?SoftPOS and Tap-to-Phone development
01 · Devices

Commercial Android devices we work with.

We work with commercial Android devices that ship with, or are supported by, their own SoftPOS implementation. Support is confirmed per combination of device, firmware, SDK, provider, and region. A successful deployment on one model or version does not establish support for every device in a family, so we publish no universal device list.

Device and modelAndroid and firmwareSoftPOS implementation or SDKProvider, processor, regionPeripheralsStatus and limitations
Confirmed per engagementConfirmed per engagementConfirmed per engagementConfirmed per engagementConfirmed per engagementDelivered, supported, or requires assessment

This is what we confirm for every engagement before committing to scope.

02 · What Paying.co builds

The application and systems around payment acceptance.

Included work depends on what is contracted. These are the areas we typically cover.

smartphone

Device applications

Native Android applications built for the device, its screen, and its operating environment.

account_tree

Payment workflows and business logic

Sale, refund, void, tips, receipts, and the business rules around them, within provider capabilities.

print

Supported peripherals

Printers, scanners, cameras, and other components, where the device and its SDKs support them.

cloud

Backend connectivity

Connections to your existing backend, POS, or ERP, and to payment provider services.

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Reporting and administration

Transaction reporting, reconciliation support, and administrative tools where contracted.

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Deployment tooling

Provisioning, configuration, and update approaches for fleets, using confirmed tools.

For broader application engineering see Mobile App Development and Custom Development.

03 · Acceptance and peripherals

How the device's SoftPOS implementation fits in.

Your application calls the supported SoftPOS SDK or service. The provider's implementation handles card acceptance. Paying.co does not supply the underlying SoftPOS implementation in every engagement.

Provider functionality

Card reading, cryptography, attestation, and the interfaces and result codes the SDK exposes are supplied and operated by the SoftPOS provider or device manufacturer. Their documentation defines what is possible.

Paying.co engineering

We integrate those interfaces into your application, design the workflow around them, handle results and interruptions, connect the backend, and test the combined system.

Built-in peripherals

Printers, scanners, cameras, and other built-in components, used only where the specific device and its SDKs support them.

External peripherals

External printers, scanners, or other accessories, where compatible with the device and its payment implementation. We confirm each during scoping.

Learn how SDK restrictions can decide between native Android and cross-platform frameworks.

04 · Architecture

Application, SoftPOS implementation, and provider.

An illustrative view. The exact data flow, and where sensitive payment data travels, depend on the provider's implementation and are confirmed in technical review for each project.

Business applicationWorkflow, business logic, receipts, and user interface.Paying.co builds
→
Supported SoftPOS SDK or serviceCard acceptance on the device.Provider or manufacturer supplies
→
Payment provider connectionsProvider, processor, and acquirer services.Provider and client agreements
Backend and reportingYour systems, reporting, reconciliation, and administration.Paying.co builds, as contracted
PeripheralsPrinters, scanners, cameras, and other supported components.Where the device and SDKs support them
05 · Prerequisites and transactions

What must be confirmed, and how transactions behave.

Compatibility and prerequisites

  • check_circleDevice model and Android or firmware version
  • check_circleSoftPOS SDK version and access
  • check_circleNFC and payment capabilities of the device
  • check_circleProvider, processor, or acquirer
  • check_circleCountries and regions
  • check_circleEntry modes and required payment workflows
  • check_circleRequired approvals and agreements

Transaction lifecycle

  • check_circlePayment flows available from the provider, such as sale and refund
  • check_circleResults and declines handled in the application
  • check_circleInterruptions and recovery, such as lost connectivity or a closed app
  • check_circleReceipts
  • check_circleReconciliation and reporting
  • check_circleBehavior always follows the provider's capabilities

Understand payment gateway integration scope, timelines, and dependencies.

06 · Deployment, testing, and approvals

From pilot to fleet, with testing kept separate from approvals.

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Deployment and fleet support

Provisioning, app distribution, updates, configuration, and monitoring. We name specific tools only when they are confirmed for your project, and define support boundaries in writing.

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Testing

Application QA, device and provider validation, and processor requirements are separate workstreams with separate owners.

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Approvals and evaluation

Any certification or evaluation depends on the device, the provider, the processor, and what you customize. A customization can change the approval scope.

Using a commercial device, an existing SDK, or an existing implementation does not automatically satisfy all requirements for a new deployment. Not every COTS integration needs a new MPoC solution certification project. Learn what MPoC certification is. Where a new solution certification does apply, see the MPoC Certification Program.

Review payment application testing beyond approved and declined transactions. Engineering QA does not replace provider or processor test requirements.

07 · Responsibilities

Who supplies and owns what.

The typical division of work. Final responsibilities are set in the agreement for each engagement.

AreaDevice manufacturerSoftPOS providerPaying.coClient
Device and platformSupplies the device, operating system, firmware, and built-in componentsDocuments supported devices and versionsConfirms fit for the workflow during scopingSelects and procures devices
SoftPOS implementationProvides components the implementation relies onSupplies and operates the SoftPOS SDK or service and its documentationIntegrates the supported implementation into the applicationHolds the provider relationship and access
Application and workflowsNot applicableNot applicableDesigns, builds, integrates, tests, and maintains as contractedDefines workflows; supplies decisions and content
Backend and peripheralsSupplies built-in peripherals and driversNot applicableBuilds backend connectivity and supported peripheral integration as contractedSupplies existing systems, interfaces, and external peripherals
Agreements and approvalsNot applicableSets provider requirementsSupports readiness; coordinates as contractedHolds processor, acquiring, and provider agreements; processors and acquirers grant approvals
08 · Engagement

How an engagement runs.

  1. DiscoveryDevice, SDK, provider, region, workflows, and goals.
  2. AccessSDK, documentation, credentials, devices, and agreements.
  3. EngineeringApplication, integration, backend, and peripherals.
  4. Testing and pilotApplication QA, provider validation, and a limited pilot.
  5. Rollout and handoffDeployment, documentation, and ownership transfer.

Maintenance and support options are agreed with the engagement. Learn what drives the cost of a custom payment app.

09 · Related

Related services and reading.

10 · Questions

Commercial Android COTS FAQ

Can you integrate the SoftPOS implementation already available on our commercial Android device?

Where the device manufacturer or a provider offers a supported SoftPOS SDK or service and you have access to it, we can integrate it into your application. We confirm the device, firmware, SDK version, provider, and region during scoping. We do not assume every commercial Android device includes SoftPOS.

Which device, firmware, SDK, processor, and region combinations do you support?

Support is confirmed per combination. A successful deployment on one model or version does not establish support for every device in a family. We confirm the device model, Android and firmware version, SDK version, provider or processor, and geography before committing to scope.

Can the application use the built-in printer, scanner, or other peripherals?

Where the device and its SDKs expose those components, yes. We confirm which built-in and external peripherals are supported on your specific device during scoping.

Can you connect the device application to our existing backend or POS?

Yes, where your systems expose the interfaces needed. We build the backend connectivity, reporting, and administration that the engagement includes. Scope, dependencies, and hidden integration work are covered in our payment gateway integration article.

What testing and approvals does a custom application require?

It depends on the device, the SoftPOS provider, the processor, and what you customize. Application testing, device and provider validation, processor requirements, and any applicable certification or evaluation are separate workstreams. Using a commercial device or an existing SDK does not automatically satisfy every requirement for a new deployment, and a customization can change the approval scope.

How are applications provisioned, updated, and supported across a fleet?

We design provisioning, distribution, update, configuration, and monitoring around the tools you use or the tools we agree on for the engagement, and we define support boundaries in writing. We name specific tools only when they are confirmed for your project.

Who owns the custom application and documentation?

Ownership, documentation, and maintenance terms are set in the agreement for each engagement. We confirm them before work begins.

Start a conversation

Tell us which commercial Android device you're building on.

Include what you have. Gaps are fine; we will help identify them.

smartphone
DeviceManufacturer, model, and OS or firmware version
contactless
SoftPOS providerProvider or SDK, and the access you have
hub
ProcessingProcessor or acquirer, countries, and payment workflows
print
Peripherals and backendPeripherals needed and systems to connect
event
Size and timingDeployment size, application status, and target date
schedule
Response within one business dayMost projects start with a 30-minute scoping call

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