A traditional EMV terminal costs $300–500 upfront plus $20/month rental, and locks you into a processor's interchange-plus rate. For a coffee cart or pop-up market vendor, that is multi-month payback before you take your first transaction.
Baynoy ships a QR-pay flow that turns any printed sticker into a payment terminal. Scan the QR with the phone camera, our hosted checkout opens, the customer picks Apple Pay/Google Pay/card, transaction clears in 2 seconds, and the merchant gets a real-time webhook + push notification confirming success. The QR is regenerated per-order if you want fixed amounts, or stays constant for tip-jar / open-amount flows.
Cost: zero hardware. Fees: same 1.4% + 20¢ as online card-not-present (technically these ARE CNP transactions — the customer holds the card on their own device). For a $5 latte that is 27¢ total. The same transaction on a SumUp terminal is 1.69% + 0¢ = 8.5¢ AND the $40 reader cost. After 320 transactions you are even; everything after is free margin.