EMV Kernel
EMV Kernel Solution
A certified, platform-agnostic EMV software kernel for contact, contactless, and mobile payment environments — built for terminal manufacturers and payment platforms.
The EMV kernel enables secure contact and contactless transactions via chip-enabled cards. It manages the interaction between the terminal and card, ensuring each transaction is processed securely and complies with EMV standards for smooth, reliable payments.
The EMV kernel ensures security, compliance, and accelerates product development by helping businesses streamline payment solutions and meet certification faster. Supporting contact, contactless, and mobile payments, it offers flexibility for delivering cutting-edge solutions to customers.
The EMV kernel also simplifies certification and ongoing compliance by aligning with the latest EMV specifications and scheme mandates. This reduces development complexity and minimizes the effort required to update payment applications as standards evolve. By abstracting EMV logic from the terminal application, it enables faster upgrades and easier maintenance.
By providing a robust, scalable, and future-ready foundation, the EMV kernel empowers payment platforms to support innovation while maintaining the highest levels of security, compliance, and operational efficiency across the payment ecosystem.
Our Products
Key Products
Certified payment kernels for contact, contactless, and SoftPOS — ready for EMVCo certification across all device types.
EMV Contact Kernel
EMV Software Kernel for contact which can be used by terminal manufacturers and get their terminal certify with EMVCo.
EMV Contactless Kernel
EMV Software Kernel for contactless (NFC) which can be used by mPOS and other devices
Tap On Phone | Soft POS
SoftPOS transforms devices into secure payment terminals, enabling card acceptance without extra software.
What We Offer
Key Services
From terminal manufacturing support to certification services — our EMV expertise covers the full payment device lifecycle.
Payment Equipment Manufacturer
A Payment Equipment Manufacturer creates devices like card readers and POS terminals for secure transaction processing
- Terminal hardware design
- EMVCo certification support
CPV and VPA Services
CPA secures in-person payments, while VPA ensures safe UPI-based virtual transactions.
- Card personalization validation
- UPI virtual payment addresses
Financial Institutions
Financial institutions provide services such as loans, deposits, & investment management through banks & credit unions.
- Bank-grade payment integration
- Regulatory compliance support
Acquirer and Processor
An acquirer processes card transactions for merchants, while a processor manages transaction details & facilitates fund transfers.
- Transaction routing & settlement
- Fund transfer management
Mobile Payment
Mobile payment enables transactions via smartphones or tablets, providing a quick & convenient way to pay for goods & services.
- Smartphone & tablet payments
- HCE & wallet integration
POS Development
POS development improves point-of-sale systems for efficient transactions, inventory management, & enhanced customer service
- Point-of-sale software & firmware
- Inventory & receipt management
Standards & Compliance
Certification
EverExpanse supports L1, L2, L3, and PCI-PTS certification for payment terminals — reducing time-to-market for device manufacturers.
L1 Certification
confirms that payment terminal hardware meets EMV security standards.
Learn MoreL2 Certification
confirms payment terminal software meets EMV security and interoperability standards.
Learn MoreL3 Certification
ensures payment applications meet EMV standards for secure transaction processing.
Learn MorePCI-PTS Certification
ensures payment devices meet strict security standards to safeguard cardholder data.
Learn MoreTrusted By
Clients & Partners
