The Electronic Funds Transfer (EFT) User Exit provides a mechanism for integrating third party processing of EFT authorization into SAP POS. An EFT User Exit implementation is a Windows DLL that is developed as a separate component and is dynamically loaded by SAP POS at runtime. An EFT User Exit implementation controls various EFT Devices (for example, PIN Pad and Signature Capture) and isolates the POS from the external authorization agent (the Financial Host). An EFT User Exit implementation orchestrates the authorization process for one or more tender types. Communication with the Financial Host can be either direct or via SAP POS Store Data Transfer for Retail (the traditional means used by SAP POS to authorize EFT transactions). SAP POS supports only one active instance of an EFT User Exit implementation at a time. For more information about how to develop an EFT User Exit implementation, see the SAP POS 2.3 EFT User Exit Technical Reference.