PAX A920

The PAX A920 represents the evolution of payment terminals into true smart devices. Running on Android, the A920 goes far beyond simple payment processing to become a complete business tool that handles everything from inventory management to customer loyalty programs.

The vibrant 5-inch HD display provides excellent visibility for both merchants and customers, while the responsive touchscreen makes navigation intuitive. Unlike dedicated payment terminals, the Android operating system allows installation of business applications—inventory apps, loyalty programs, time clocks, and custom software tailored to your specific needs.

A920's integrated high-speed thermal printer produces professional receipts instantly, and the built-in camera enables barcode scanning, QR code reading, and even photo documentation when needed. The all-day battery and 4G connectivity mean you can process payments anywhere, not just at a fixed location.

Despite its smart capabilities, the A920 maintains the security standards expected of a payment terminal. PCI-PTS certification, point-to-point encryption, and secure element technology protect sensitive payment data, giving you app flexibility without compromising transaction security.

The payment terminal market includes devices from Clover, PAX, Dejavoo, Ingenico, Verifone, and Square. Here is how the PAX A920 stands out.

vs Entry-Level Terminals

• Advanced reporting, employee management, and inventory tracking
• PCI-PTS certification with point-to-point encryption
• Customer engagement features built in

vs Proprietary Systems (Square, Stripe)

• Interchange-plus pricing saves 20–40% vs flat-rate
• No processor lock-in — you own the pricing relationship
• More hardware accessories and peripheral support

Integration Ecosystem

Kitchen displays, barcode scanners, cash drawers, and customer-facing screens — all configured by Unison's team so everything works together from day one.

Every card transaction involves three fee layers. Understanding them is the first step to paying less.

The Three Fee Layers

• Interchange — set by Visa/Mastercard, paid to the issuing bank (non-negotiable)
• Assessment — charged by the card network (non-negotiable)
• Processor markup — the only negotiable part of your fees

Interchange-Plus vs Flat-Rate

Flat-rate processors (Square at 2.6% + 10¢, Stripe at 2.9% + 30¢) charge the same on every transaction. That means you overpay on debit cards where actual interchange is often under 0.5%.

Unison's interchange-plus pricing shows you the real cost. The average business saves 20–40% after switching. Read our guide to lowering fees.

Zero-Fee Option

Our cash discount program displays cash and card prices on the PAX A920. Card-paying customers cover the processing cost. Fully compliant with Visa and Mastercard rules.

The PAX A920 is the physical cornerstone of a full merchant services ecosystem. Here is what connects to it.

Merchant Account Infrastructure

• Next-day funding for most transaction types
• Real-time reporting: sales by hour, average tickets, top items
• Chargeback notifications and PCI-compliant data storage

Integrated Services

• Cash discount — eliminate processing fees through dual pricing
• Consumer financing — buy now, pay later at checkout (30–50% higher order values)
• Chargeback protection — early alerts before disputes hit your account

Omnichannel Processing

Use the PAX A920 in-store and our payment gateway online. Add ACH processing for recurring billing. Everything settles into one merchant account with unified reporting.