Nayax VPOS Touch Credit Card Reader for Vending and Smart Coolers with Incremental Pre-Authorization

The Nayax VPOS Touch with incremental pre-authorization is a cashless payment terminal designed for vending machines and smart coolers that require pre-authorization rather than direct settlement. Instead of selecting an item and paying the exact price upfront, customers simply tap their card, receive approval, and begin shopping, creating a walk-out shopping experience similar to a micro-market.

This payment flow supports environments where the final purchase total is not known at the start of the transaction. Access is authorized first, and the final amount is settled only after the shopper completes their selection.

Incremental Pre-Authorization Explained

Incremental authorization allows the system to increase the authorized amount during an active transaction without requiring the customer to re-tap their card or re-enter payment credentials. If the final purchase total exceeds the initial authorization, the system automatically requests additional funds to cover the full amount.

Authorization responses follow standard payment protocols, ensuring compatibility with existing card networks while maintaining secure handling throughout the transaction lifecycle.

Smart Cooler and Door Unlock Use Case

This functionality is ideal for smart coolers that require a card reader to unlock the door. A small initial authorization can be placed to grant access, allowing the shopper to open the cooler and select items.

If the shopper’s selections exceed the initial authorization amount, incremental authorization automatically adjusts the authorized total during the same transaction without disrupting the customer experience.

Transaction Settlement Process

Once the shopping session is complete, the final transaction amount is submitted through the Cortina Credit Card Settlement process. This ensures the exact purchase total is settled accurately based on the items selected during the session.

This approach eliminates the need for large fixed authorization holds while still protecting operators from under-authorized transactions.

Operator and Distributor Advantages

As a Nayax OEM, ReyVend enables operators and distributors to activate incremental authorization as a competitive advantage. This allows businesses to move away from large fixed pre-authorization holds, such as $50 holds for small purchases, which are a common source of customer frustration.

Incremental pre-authorization improves the customer experience while maintaining secure payment handling and operational control.

Why Incremental Pre-Authorization Matters

• Reduces friction caused by high fixed pre-authorization amounts
• Supports walk-out and AI-enabled smart cooler experiences
• Maintains secure authorization and settlement processes
• Improves trust and usability for repeat customers
• Aligns with modern unattended retail and vending models

Frequently Asked Questions

Does this system require a large pre-authorization hold?

No. A small initial authorization is placed and only increases if the final purchase amount exceeds the original hold.

Is the customer required to re-tap their card?

No. Incremental authorization adjustments occur automatically during the transaction.

Is this solution compatible with smart cooler door locks?

Yes. It is designed specifically for environments where card authorization is required to unlock a smart cooler door.

How is the final transaction settled?

The final purchase amount is processed through the Cortina Credit Card Settlement system after the shopping session ends.

Additional Reading

Learn why many smart coolers struggle with pre-authorization