An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for settlement. Forces on all guy lines maintain the tower stable from a substantially horizontal assembly position to a vertical operational position. A bale handle includes a ring having resilient internal tabs captured beneath the lower of the flanges remote from the open end of the finish, and a handle extending from the ring for carrying the container. The optical targets can be serve as active, passive calibration targets, or combinations of both.