IBONUS® Mobile NFC and Smart Card Hybrid Payment Based on the legacy smart card payment solution, it also supports NFC based Android phone for payment and loyalty solution. iBonus® Terminal App No need to buy a costly physical terminal from us. Any Android phone supporting NFC can be an iBonus terminal by simply installing our iBonus® NFC Payment Terminal App on Google Play Store. iBonus Terminal is the heart of the payment operation. It has a very user friendly menu of operation. It can add and deduct values from user smart card instantly, and the transaction records will be sent back to the server once the network and Internet connection is available for the iBonus Terminal.