card and derivatives, BDO Gift Card, BDO Cash Card and BDO credit cards) and have the functions of an EPS terminal. Terminals under the SM name, however, have extended capabilities such as having the capabilities of an EPS, PayLink and BPS terminal (and even the ATM cards of non-affiliated banks) all in one as well as the acceptance of other banks' credit, debit and prepaid cards. The terminal can be found depending on the name. Terminals under the SM name can be found in all SM stores, such as their supermarkets, department stores and stores such as Surplus Shop and Toy Kingdom. Terminals under the Banco de Oro name can be found in businesses that accept Banco de Oro cards before Banco de Oro joined the EPS. Some merchants though still use the Banco de Oro terminal. See also Bank of the Philippine Islands Expressnet External links Express Payment System Payment systems