MPAIO is a new mobile payment terminal that supports various payment solutions (MSR, IC, NFC etc.) by being connected with Smart Devices. It complies with EMV LV1, LV2, Contactless and PCI-PTS. MPAIO provides various optional functions that customers require in diverse service environment such as 1D, 2D barcode scanner and multi SAM slot. For OEM, the design is able to be changed from the development stage. Therefore, optimized design customizing is available. MPAIO has been designed flexibly to be used as POS or customer service system and it could be used in various environments such as mobile, indoor, outdoor and countertop by supporting diverse accessories.