Payment terminal cloud is an advanced, flexible, and promising type of payment terminal solution. It allows customers to handle both card-present and card-not-present transactions in the same way. The approach works similarly to online chat software products. Non-blocking input/output (NIO) technology allows a multitude of terminals get connected to the same server at the same time. So, when a point-of-sale (POS) application connects to this server, it can exchange information with the terminals, i.e. manipulate them. As there is no direct contact between the POS system and the terminals, the POS application can stay completely out of PCI compliance scope.
Read more about payment terminal cloud-based solutions in the respective article on Paylosophy.