Split Architecture

Core and the Intelligence Layers

InsourcePOS uses proven semi-integrated architecture. The certified payment core stays on processors' platforms handling card data and settlement. The embedded engine lives in the merchant's software stack handling business logic and AI — with zero card data exposure.

  • Payment core handles P2PE encryption, authorization, and settlement on your infrastructure
  • PCI DSS scope drops from 329+ controls to 33 — qualify for SAQ P2PE instead of SAQ D
  • Certify your payment core once, then deploy unlimited vertical engines without re-certification
  • Same proven architecture used by Stripe Terminal, Square, and Adyen
Architecture Overview
Payment Core — Your Infrastructure
P2PE Encryption EMV Processing Authorization Settlement Tokenization Card Data Vault
API — Tokens, Amounts, Approvals Only
Embedded Engine — Merchant Software
Business Logic Inventory CRM AI Features ERP Integration Reporting
Legacy Integrated
329+
PCI controls required
Split Architecture
33
PCI controls required