Abstract: The present disclosure provides a point of sale terminal. The point of sale terminal includes a graphical user interface screen. The graphical user interface screen allows the merchant and the customer to interact with the point of sale terminal in real time. Moreover, the point of sale terminal includes a digital payment card swiping mechanism installed on the point of sale terminal. Further, the point of sale terminal includes a chip reader mechanism installed on the point of sale terminal. Furthermore, the point of sale terminal includes a biometric scanner for real time biometric verification of the customer. Also, the point of sale terminal includes software installed inside a hardware layer of the point of sale terminal. In addition, the point of sale terminal includes a printing mechanism. The printing mechanism allows auto-printing of one or more payment receipts in real time on completion of the digital payment transaction.