MP-Solution Inc. officially launched the commercial service of its cloud-aggregated payment platform, “MPAC,” on September 17, 2026. This release addresses the digital transformation needs of restaurants facing terminal cost burdens and challenges in maintaining traditional table-side payment styles following mandatory PIN entry regulations enacted in April 2025.

Commercial Launch and Overview of MPAC on September 17, 2026

MP-Solution Inc. officially launched commercial operations for “MPAC” (MPS Advanced Cloud) on September 17, 2026, following its initial announcement in February 2026. Concurrently, the company rolled out “S-Pitt Mobile,” the first mobile payment terminal in the compatible hardware line. The full-scale launch comes after a successful trial phase conducted from May to August 2026, which earned exceptionally high marks from participating venues. Historically, credit card terminals operated as standalone units equipped with independent transaction processing and data management capabilities. MPAC breaks this paradigm by centralizing core processing functions in the cloud. This technical architecture dramatically reduces the terminal management burden for store operators while establishing a flexible, high-speed transaction infrastructure. As shown in the illustration below, this next-generation payment system significantly enhances operational convenience on the ground.

Challenges in In-Person Dining Following the Ban on PIN Bypass

The development of MPAC responds directly to major security rule shifts in the credit card industry and pressing operational pain points for merchant stores. Following the prohibition of “PIN bypass”—which allowed cardholders to authenticate transactions via signature rather than entering a PIN—mandatory PIN entry took full effect at the end of March 2025. Consequently, upscale restaurants found it increasingly difficult to preserve “Sign on Paper,” an elegant table-side payment custom where guests signed receipts tucked neatly inside leather bill holders. According to a November 2025 survey conducted by MP-Solution, approximately 60% of restaurants that upgraded terminals due to the PIN bypass ban reported that their new devices clashed with the restaurant’s aesthetic atmosphere. Clunky terminals brought directly to the table disrupted guest conversations, while forcing patrons to walk to a central register undermined hospitality—highlighting an urgent need to restore sophisticated table-side payments through digital transformation.

MPAC’s Technical Architecture and Cost Reduction Mechanics

Thin-Client Terminals and Achieving “Terminal-Free” Operations

MPAC’s defining technical innovation lies in transforming payment terminals into lightweight “thin clients.” Traditional terminals processed receipt management, user interface controls, and security operations (the payment kernel) all on the hardware itself, driving up system complexity and hardware expenses. MPAC offloads complex data processing and receipt management entirely to cloud servers, retaining only the essential payment security kernel on the physical device. This shift enables “terminal-free” operations backed by unified cloud data management. For example, staff can seamlessly retrieve and cancel a transaction initiated on “Terminal A” using “Terminal B.” This eliminates the need to search for specific devices or wait for terminals to free up during rush hours. In the event of hardware malfunction, staff can instantly swap in a backup device with zero downtime risk to daily operations.

Lowering Processing Fees via MUFG Bank’s SP-NET Integration

In addition to reducing hardware costs by migrating processing to the cloud, MPAC integrates with “SP-NET,” a high-reliability payment processing network operated by MUFG Bank (Mitsubishi UFJ Bank). Launched in March 2024, SP-NET acts as a transaction data relay service that keeps network usage fees low by streamlining functionality to essential single-payment transactions. Compared to conventional payment processing networks, SP-NET reduces network usage fees by up to 80% (one-fifth of standard rates), offering merchants verifiable cost savings. By optimizing for single-installment transactions—the predominant payment method in the restaurant sector—MPAC delivers exceptional cost-efficiency. Store owners gain access to a highly dependable infrastructure while keeping upfront deployment fees and ongoing operational costs remarkably low. Refer to the diagram below for a complete view of the system connectivity architecture.

Purpose-Built Hardware and Future Outlook

Cutting-Edge Specifications of S-Pitt Mobile and S-Pitt Air

Released on September 17, 2026, the “S-Pitt Mobile” terminal is tailored specifically to meet the daily operational demands of food service and retail environments. It houses a 58mm thermal printer capable of rapid 120mm/sec printing, alongside a 6.67-inch primary display and a 2.5-inch secondary screen. Despite its comprehensive feature set, the terminal weighs just 390 grams, making single-handed table-side operation effortless. Meanwhile, the upcoming “S-Pitt Air”—scheduled for release within 2026—boasts an ultra-thin 9.99mm profile and weighs merely 220 grams, slipping seamlessly into standard bill holders without altering their sleek form factor. Both devices feature extensive customization options, allowing merchants to project store logos or seasonal greeting messages on screen displays and printed receipts, elevating the hardware from a simple transaction tool into a brand-building asset.

Trial Results and the Future of Storefront Digital Transformation

Feedback from restaurants participating in the May–August 2026 trial phase praised the platform’s ability to streamline table-side transactions and simplify staff operations. In particular, allowing multiple staff members to execute simultaneous table-side payments across different terminals enabled venues to deliver refined hospitality without breaking the relaxed post-meal ambiance. Venue managers also lauded the intuitive interface, which allowed international staff to master terminal operation with minimal training. With a subscription model expected under 2,000 yen per month and a newly optimized UI slated for release in October 2026, MPAC drives storefront DX across both hardware and software. Moving beyond simple cost reduction, MPAC stands out as a promising payment architecture that harmonizes elevated customer experiences with operational efficiency.

Reference Pages

• 【News | Cloud-Aggregated Payment Service “MPAC” Launches Commercial Operation on September 17 — First Compatible Terminal “S-Pitt Mobile” Released Simultaneously – MP-Solution Inc.】https://mp-solution.com/news/2026/article-108-3-2-4-2/

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