A self-service terminal comprises: a plurality of session initiation devices, each associated with an initiation token, so that a customer can initiate a transaction using one of a plurality of different initiation tokens. The terminal further comprises a plurality of session suppliers, each session supplier being associated with one of the session initiation devices, and each session supplier being operable: (i) to receive from its associated session initiation device, information from an initiation token provided by a customer, and (ii) to create an electronic access token based on the received information. The terminal also comprises a session supplier aggregate operable to receive an electronic access token from one of the session suppliers for each session to be created; and a session component operable (i) to receive the electronic access token from the session supplier aggregate and (ii) to create a session based on the received electronic access token.