Open Payment Initiative - Technical Solution

Technical Solution

The O.P.I. interface implementation does not depend on a specific operating system. It is an XML-based interface. Communication takes place via TCP/IP. The XML messages are exchanged over two sockets that are referred to as channels (channel 0 and channel 1). The original OPI/IFSF specification defines three message pairs:


Card Request/Response (channel 0)
Service Request/Response (channel 0)
Device Request/Response (channel 1)


Using the O.P.I. interface gives a payment solution access to the PoS peripherals, e.g. to a PoS printer to print out receipts, a display to output messages to the cashier or cardholder, or a magnetic card reader.

Decoupling the interface in this way increases its flexibility for integration in international, solution and industry-specific scenarios for users as well as for PoS and payment solution providers, and therefore also protects their investments.

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