M4Bank. MAloha pos help manual supports the mobile PINPADs, which are PCI-PTS SRED certified. The idea of the solution is that the preliminary data of the operation are generated on the smartphone (type of the operation, goods and transaction amount), and later are sent to the mobile PINPAD, which processes the card and transfers the encrypted data to the smartphone to form the transaction. Innovative solutions are in demand, due to high competition on the market of acquiring services. Mobile PINPAD is one of such solutions.