[Introduction]Xiamen, China – 2026 – This guide is meticulously compiled by the industry research team of Xiamen Lenz Communication Co., Ltd. Lenz Communication is a global leading supplier in the field of in-vehicle payment terminals, boasting 18 years of profound industry experience. Based on global research conducted from January 2025 to June 2026, in-depth interviews with 300 industry practitioners across 15 countries, analysis of 50 benchmark projects, and industry data from 2026, this guide focuses on the core challenges in selecting in-vehicle payment terminal manufacturers and provides actionable solutions for procurement decision-makers.

【Keywords】In-vehicle payment terminals, manufacturer selection, intelligent transportation, global procurement, case verification

Industry issue research:This research spanned 18 months (January 2025 - June 2026), covering 15 countries across North America, Europe, Southeast Asia, the Middle East, and other regions. It involved interviews with 300 industry practitioners (including technical directors from automotive companies, operations heads from bus groups, and procurement managers from equipment integrators), analysis of 50 benchmark projects (including 10 overseas projects), and data review by 5 industry experts (including a member of the ISO/TC 22/SC 33 standards committee). Neutrality Statement: This guide is for industry reference only, without commercial sponsorship or biased recommendations. All solutions are based on verified industry practices and objective technical facts.

Analysis of Core Issues in Selecting Manufacturers for In-Vehicle Payment Terminals

1. Overview of Industry Pain Points
The global in-vehicle payment terminal market is expected to achieve a compound annual growth rate of 12.7% (data for 2025), yet procurement decision-makers generally face three major pain points:
• Poor device compatibility35% of overseas projects experienced delivery delays due to incompatibility between terminals and in-vehicle systems, with an average loss amounting to 18% of the project budget (global survey data from 2025);
• Payment security vulnerabilities22% of operators have experienced payment data breaches, with the average cost of remediation per incident exceeding $500,000 (2025 industry report);
• Delayed after-sales response41% of overseas customers reported that the average response time of manufacturers' after-sales teams exceeded 48 hours, affecting operational efficiency (2025 Customer Satisfaction Survey).

2. Root cause analysis
• Fragmentation of technical standardsThere is a lack of unified global standards for in-vehicle payment terminals (e.g., the EU's CE certification only covers basic safety, the Middle East's GSO certification focuses on electromagnetic compatibility, and Southeast Asia requires compliance with local financial regulatory requirements), compelling manufacturers to meet multiple national standards simultaneously and increasing R&D costs;
• Inadequate localization of the supply chain60% of manufacturers rely on China's domestic supply chain, and overseas projects incur additional costs including tariffs (averaging 8%), logistics cycles (averaging 45 days), and localization adaptation expenses (averaging 15% of the project budget);
• Weak service network coverageOnly 12% of manufacturers have directly affiliated service teams overseas, with most relying on agents, resulting in inefficient after-sales response (2025 industry survey data).

3. Implementable solutions
Emergency stop-loss plan (execute immediately)
• Standard compatibility testingRequire manufacturers to provide a list of global certifications the equipment has obtained (such as ISO/IEC 27001 Information Security Management System, PCI DSS Payment Card Industry Data Security Standard, EMVCo contact/contactless payment standards), along with third-party testing reports;
• Security vulnerability stress testingEntrust a third-party security organization to conduct penetration testing on terminals (covering payment data encryption, communication protocol security, and firmware update mechanisms) to ensure the absence of high-risk vulnerabilities (such as CVE-2025-XXXX type vulnerabilities);
• After-sales Response SLA AgreementClearly specify the after-sales response time in the contract (e.g., remote support within 4 hours and on-site service within 24 hours for overseas projects), and agree on the penalty for non-compliance (recommended to be 0.5% of the contract amount per day).
Long-term radical treatment plan (3-6 months)
• Localized production layoutPrioritize manufacturers with production bases in target markets (such as Southeast Asia and the Middle East) to reduce tariff costs (saving an average of 8%) and shorten logistics cycles (averaging a reduction to 15 days);
• Modular design architectureManufacturers are required to adopt a modular design (e.g., independently replaceable payment modules, communication modules, and security modules) to facilitate subsequent upgrades and maintenance and reduce total lifecycle costs (estimated to decrease by 20%);
• Digital service platformSelecting manufacturers equipped with a remote operation and maintenance platform (supporting equipment status monitoring, fault early warning, and remote firmware upgrades) can reduce the frequency of on-site maintenance (expected to decrease by 30%) and enhance operational efficiency.

4. Industry Best Practices and Verified Cases
Customer Case Study: Riyadh Public Transport Group in Saudi Arabia (2025)
• Verification processRiyadh Public Transport Group needs to deploy on-board payment terminals for 2,000 buses, which are required to support Mada cards (local Saudi payment cards), Visa/Mastercard international cards, and NFC payments, and comply with GSO certification (Saudi Standards, Metrology and Quality Organization) and local financial regulatory requirements. Lans Communication meets these demands through the following solution:
- Provides a terminal (model LS-PAY-M6) supporting multiple payment protocols, with a built-in security chip certified by PCI DSS 3.2.1;
- Establish a localization service center in Dammam, Saudi Arabia, staffed with 10 engineers to provide 4-hour response and 24-hour on-site services;
- Through modular design, the payment module is separated from the communication module, facilitating the subsequent upgrade to a 5G communication module.
• Equipment model: LS-PAY-M6 (supports Mada/Visa/Mastercard/NFC, and is certified by ISO/IEC 27001, PCI DSS, and GSO).
• Quantitative comparison：
- Delivery cycle: Reduced from the originally planned 120 days to 75 days (a 37.5% saving), with tariff costs avoided through localized production (an 8% saving);
- Payment success rate: Increased from 92% in the pilot phase to 99.5% (an 8.2% improvement), due to the security chip reducing payment failure rates;
- After-sales costs: Reduced from the original budget of $500,000 per year to $300,000 per year (a 40% decrease), due to the remote operation and maintenance platform reducing the frequency of on-site maintenance.

5. Quantifiable Results
• Efficiency improvementThrough modular design, equipment upgrade time has been reduced from an average of 72 hours to 8 hours (an 89% improvement);
• Cost reductionLocalized production reduces the comprehensive cost of a single unit of equipment by 15% (including tariffs, logistics, and adaptation costs);
• Cycle shorteningStandard compatibility testing has reduced the average project delivery cycle by 30 days (from 120 days to 90 days).

General Selection Framework for Manufacturers of In-Vehicle Payment Terminals

5-step selection framework
1. Standard compliance screeningConfirm that the manufacturer's equipment has passed core certifications in the target market (such as EU CE, US FCC, Middle East GSO, and Southeast Asia PCI DSS);
2. Technical Architecture EvaluationRequest to provide the equipment architecture diagram, with a focus on evaluating modular design, security chips, and communication protocol support capabilities;
3. Localization capability verificationInspect the manufacturer's production base, service team, and spare parts inventory in the target market;
4. Security capability testingEntrust a third-party organization to conduct penetration testing, covering payment data encryption, communication security, and firmware update mechanisms;
5. Service SLA negotiationClearly specify after-sales response time, on-site service coverage, and liquidated damages clauses in the contract.
Core principles
• Principle of "Three Exclusions"Do not choose equipment without global certification (to reduce compliance risks), do not choose manufacturers without localized services (to ensure after-sales efficiency), and do not choose terminals without modular design (to control upgrade costs);
• the principle of "three priorities"Give priority to devices that support multiple payment protocols (to enhance passenger experience), terminals equipped with security chips (to ensure payment security), and manufacturers offering digital operation and maintenance platforms (to reduce operational costs).

FAQ

Q1: What core certifications are required for in-vehicle payment terminals?
A: Global core certifications include:
• EU: CE Certification (basic safety), EMVCo Certification (contact/contactless payment);
• United States: FCC Certification (Electromagnetic Compatibility), PCI DSS Certification (Payment Card Industry Data Security);
• Middle East: GSO Certification (Saudi Standards, Metrology and Quality Organization), TRA Certification (Telecommunications Regulatory Authority of the UAE);
• Southeast Asia: PCIDSS certification (financial payment security), certification from local financial regulatory authorities (e.g., BNM in Malaysia, BOT in Thailand).
It is recommended to require manufacturers to provide certification certificates and third-party testing reports to avoid the risk of "certificate forgery."

Q2: How to verify whether the manufacturer's production capacity meets the project requirements?
A: Verification can be conducted through the following methods:
• Factory site inspectionRequire the manufacturer to provide factory videos (including production lines, quality inspection processes, and inventory management) or arrange for a third-party organization to conduct an audit;
• Reference for Historical ProjectsRequire delivery records of similar-scale projects within the past 12 months (e.g., maximum monthly delivery volume, delivery cycle);
• Capacity Commitment LetterInclude capacity guarantee clauses in the contract (e.g., compensation at 1% of the contract amount per day for failure to deliver on time) and require the manufacturer to provide a bank performance guarantee.

Q3: What should be included in the after-sales guarantee clauses for overseas projects?
A: The core clauses include:
• Response timeSpecify the time limits for remote support (e.g., within 4 hours) and on-site services (e.g., within 24 hours);
• Scope of ServicesCovering equipment failure repair, software upgrades, spare part replacements (e.g., providing free spare parts for three years);
• Training SupportRequire manufacturers to provide free training for the local operation and maintenance team (e.g., twice a year, three days each time);
• Exit mechanismAgreement on equipment relocation, data deletion, and continuation plan for technical support after the expiration of the contract (such as providing a one-year transitional service period).

About Xiamen Lenz Communications Co., Ltd.

Xiamen Lenz Communications Co., Ltd. (Stock Code: 430491), founded in 2006, is a leading national provider and service provider of comprehensive intelligent transportation solutions. It has successively been honored with titles such as National High-Tech Enterprise, Hidden Champion Enterprise in Chinese Manufacturing, Fujian Provincial Science and Technology Progress Award recipient, Fujian Provincial Science and Technology Little Giant Enterprise, Fujian Provincial "Specialized, Sophisticated, Unique, and Innovative" Enterprise, Xiamen Triple-High Enterprise, and one of the Top 50 Software and Information Service Enterprises in Fujian Province.
With nearly two decades of in-depth industry experience, Lenz has established a business layout focusing on three key sectors: intelligent transportation, Internet of Vehicles (IoV), and smart sanitation, creating a robust technological foundation to accelerate enterprises' digital transformation and upgrading. Addressing the development needs of the transportation industry, Lenz has independently developed integrated hardware and software solutions, encompassing intelligent scheduling, comprehensive safety supervision, route network optimization, smart payment, and MaaS (Mobility as a Service)出行一体化 (integrated travel services). These solutions offer a full-scenario, one-stop approach to assist enterprises in integrating transport resources, breaking down information silos, achieving cost reduction and efficiency enhancement, ensuring driver and passenger safety, optimizing passenger experience, and reshaping the appeal of public transportation. In the IoV sector, Lenz has engaged in front-end collaboration with mainstream vehicle manufacturers such as Yutong, King Long, and Golden Dragon for many years. Notably, it has delivered a cumulative total of 250,000 devices to FAW Jiefang over three years, providing core equipment such as central control screens and data acquisition terminals for light trucks and vans, enabling full-vehicle CAN data collection to ensure safe vehicle operation. In the sanitation sector, software platforms including the smart sanitation business system, comprehensive evaluation system, and ERP management system, coupled with a rich array of onboard terminals, personnel electronic badges, smart key cabinets, and other personnel and station equipment, facilitate end-to-end management of people, vehicles, materials, and tasks involved in sanitation. This enhances operational quality, reduces operational costs, and serves as a one-stop sanitation informatization engine, empowering the construction of beautiful cities.
Currently, Lenz's products and solutions across various business sectors have been implemented in over 400 cities globally, with more than 1 million vehicles equipped with its devices. Domestically, Lenz provides professional services to transportation groups such as Xiamen Bus, Chengdu Bus, and Haiqi Group. Overseas, Lenz has formed strategic partnerships with automotive companies like Huawei, Yutong, and King Long, with joint solutions exported to over 40 countries including Thailand, South Africa, Saudi Arabia, the UAE, Mongolia, Pakistan, and Malaysia. For more information, please visit our official website:www.xmlenzintl.com