- EMVco L2certification achieved
- MPoCtap-to-phone security certification
- Zeroadditional hardware required for merchants
The challenge
- ◆Any softPOS solution must meet EMVco Level 2 certification — one of the payment industry's most demanding compliance requirements, covering kernel, transaction, and security architecture
- ◆MPoC (Mobile Payments on COTS) certification adds additional security requirements specific to tap-to-phone acceptance, requiring a separate certification track
- ◆The solution needed to extend an existing web payment gateway rather than replace it — preserving established merchant settlement flows while adding mobile capability
The client had a mature web payment gateway but no mobile point-of-sale capability. Merchants were asking for contactless acceptance without dedicated hardware. The technical bar was high — softPOS requires EMVco Level 2 certification and, for tap-to-phone specifically, MPoC certification, one of the most rigorous compliance frameworks in payments.
Key capabilities
NFC terminal conversion
Any NFC-enabled smartphone or tablet becomes a certified payment terminal — no hardware procurement, no deployment logistics, no upfront cost for merchant onboarding.
All payment methods supported
Contactless cards, Apple Pay, Google Pay, chip, and swipe — every modern payment method accepted through a single unified application.
End-to-end encryption
Every transaction path includes encryption and secure transmission protocols meeting the security requirements of both EMVco L2 and MPoC certification standards.
Gateway integration
Built as a native extension of the client's existing web payment gateway — merchants get mobile capability without disrupting established settlement and reconciliation flows.
Outcome
Industry-certified, production-ready softPOS — positioning the client as a leader in next-generation payment acceptance.
Results
Full industry certification
Achieved both MPoC and EMVco Level 2 certification — the highest standards for software-based card acceptance in the payments industry.
Hardware-free merchant onboarding
Merchants can start accepting contactless payments with the device already in their pocket — no terminal procurement or logistics required.
Market differentiation
The client now offers a capability most competitors still require physical terminal hardware to match, opening a new merchant acquisition channel.