Abstract: A system and an apparatus that uses a wireless communications device to process payments through a server arrangement that is communicatively coupled with a data processing system located at a financial institution. In one embodiment, a server arrangement includes a processor and a memory arrangement, the memory arrangement including at least one of payment processing application that interfaces with the financial institution DPS. The server arrangement controls a plurality of data transmissions between the server arrangement and at least one EFTPOS terminal and includes at least one non-payment processing application that controls a set of functions of the EFTPOS terminal.