EMV Kernel

EMV Kernel Solution

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.

Retail Payment Solutions
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Key Products

EMV Contact Kernel

EMV Software Kernel for contact which can be used by terminal manufacturers and get their terminal certify with EMVCo.

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EMV Contactless Kernel

EMV Software Kernel for contactless (NFC) which can be used by mPOS and other devices

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Tap On Phone | Soft POS

SoftPOS transforms devices into secure payment terminals, enabling card acceptance without extra software.

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Key Services

Payment Equipment Manufacturer Payment Equipment Manufacturer

Payment Equipment Manufacturer

A Payment Equipment Manufacturer creates devices like card readers and POS terminals for secure transaction processing

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CPV and VPA Services CPV and VPA Services

CPV and VPA Services

CPA secures in-person payments, while VPA ensures safe UPI-based virtual transactions.

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Financial Institutions Financial Institutions

Financial Institutions

Financial institutions provide services such as loans, deposits, & investment management through banks & credit unions.

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Acquirer and Processor Acquirer and Processor

Acquirer and Processor

An acquirer processes card transactions for merchants, while a processor manages transaction details & facilitates fund transfers.

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Software Development Software Development

Mobile Payment

Mobile payment enables transactions via smartphones or tablets, providing a quick & convenient way to pay for goods & services.

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Software Development Software Development

POS Development

POS development improves point-of-sale systems for efficient transactions, inventory management, & enhanced customer service

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Certification

L1 Certification

confirms that payment terminal hardware meets EMV security standards.

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L2 Certification

confirms payment terminal software meets EMV security and interoperability standards.

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L3 Certification

ensures payment applications meet EMV standards for secure transaction processing.

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PCI-PTS Certification

ensures payment devices meet strict security standards to safeguard cardholder data.

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