At EazyPay Tech, we deliver advanced EMV Level-2 Contact and Contactless Kernels designed to meet the growing demands of global payment ecosystems.
Our EMV kernels are engineered to offer secure, reliable, and fast transaction processing across a range of payment devices, ensuring full compliance with EMVCo standards while offering enhanced flexibility, performance, and security. In today’s evolving payment landscape, businesses require not just compliance, but excellence  and EazyPay Tech is committed to providing best-in-class kernel solutions that power next-generation payment experiences.

1. Multi-Mode Support: One Kernel for Contact and Contactless

Our EMV kernels are built with true multi-mode capabilities, managing both contact and contactless transactions through a single, powerful architecture.

Our multi-mode features include:

• Unified Kernel Architecture: Handles both EMV chip insert and NFC tap payments seamlessly.
• Full Brand Support: Certified compatibility with major international schemes like Visa, Mastercard, American Express, UnionPay, and local domestic networks.
• Comprehensive EMV Data Handling: Manages application selection, parsing of AIP, AFL, and PDOL, generation of ARQC/ARPC cryptograms, and execution of issuer script processing.

This ensures wide acceptance capabilities and smoother, faster consumer interactions across multiple device types.

2. Advanced Cryptographic Security

Security is embedded at every layer of our EMV Kernels, safeguarding sensitive transaction data with the latest encryption technologies.

Our cryptographic capabilities include:

• Robust Card Authentication: Supporting SDA, DDA, and CDA methods for dynamic transaction security.
• Algorithm Flexibility: Implementation of RSA for legacy compatibility and ECC (Elliptic Curve Cryptography) for stronger, faster encryption in modern systems.
• Symmetric Encryption Support: Integration of AES encryption to secure all data exchanges.
• End-to-End Key Management: Secure storage of Certification Authority Public Keys (CAPKs), PIN encryption, and standardized PIN block handling.

We ensure that every transaction processed through our kernels is secured against tampering, skimming, and data breaches.

3. Complete Cardholder Verification Method (CVM) Compliance

Authenticating the rightful cardholder is critical to transaction security, and EazyPay Tech’s kernels deliver full CVM support:

• Offline PIN Verification: Direct authentication through the chip card.
• Online PIN Verification: Authentication via issuer communication.
• Signature and No CVM Handling: Adaptable according to transaction value, card settings, and merchant policies.
• SoftPOS Compatibility: Secure on-screen PIN entry for smartphone-based payment solutions in compliance with PCI MPoC standards.

Our solution ensures flexibility to meet the varying security needs of merchants, banks, and cardholders globally.

4. Built-in Risk Management and Intelligent Fallback

To ensure operational resilience, EazyPayTech kernels incorporate intelligent risk management and fallback capabilities:

• Dynamic Terminal Risk Assessments: Including floor limit checks, random transaction selection, and velocity checks to detect anomalies.
• Fallback Mechanisms: Graceful fallback to magstripe transactions where chip interaction fails (if permitted).
• Offline Transaction Approvals: Supporting transaction approvals without network connectivity for offline-capable cards.

This smart approach enables uninterrupted service delivery while minimizing fraud and ensuring regulatory compliance.

5. Optimized for High-Speed Transaction Performance

Speed is critical to consumer satisfaction, and our kernels are optimized for ultra-fast performance:

• High-Efficiency Codebase: Developed in C/C++ for optimal memory and processing efficiency.
• Pre-Processed Cryptography: Fast exponentiations and smart cryptographic optimizations to minimize transaction times.
• Streamlined Transaction Flow: Advanced state machines ensure low-latency processing, achieving tap-and-go times under ~300 milliseconds.

With EazyPayTech, merchants and solution providers can deliver frictionless payment experiences even during peak transaction loads.

6. Modular Architecture and Seamless Integration

Flexibility and scalability are key to future-proof payment solutions. EazyPayTech kernels feature a highly modular design, supporting effortless integration across multiple device ecosystems.

Key integration features include:

• Hardware Abstraction Layer (HAL): Compatibility with a wide range of chipsets and devices.
• Developer-Friendly SDKs and APIs: Simplifying connection with terminal applications and payment platforms.
• SoftPOS and Mobile Compatibility: Enables EMV flow execution from Android, iOS, and custom mobile platforms.
• Backend Integration Ready: Seamless support for remote key injection, parameter downloads, and terminal management systems (TMS).

Our architecture allows rapid deployment across traditional POS terminals, ATMs, vending machines, SoftPOS, and IoT payment devices.

7. Support for Multi-Application and Multi-AID Environments

Payment cards today often carry multiple applications (credit, debit, transit, loyalty), and EazyPayTech kernels are fully equipped to handle such complexity.

Multi-application capabilities include:

• Dynamic AID Selection: Supports up to 10+ Application Identifiers (AIDs) per card with intelligent selection logic.
• Priority-Based Transaction Routing: Honoring cardholder and terminal preferences for application selection.
• Blended PIN Support: Facilitating seamless switching between offline and online PIN methods based on transaction conditions.

Our kernels ensure maximum interoperability, making them ideal for use in complex environments like transit systems, retail chains, and government services.

8. Enterprise-Grade Security Beyond Cryptography

Modern threats require multi-layered security defenses, and EazyPay Tech’s kernels are built to meet and exceed industry security standards.

Our security enhancements include:

• Tamper Detection Mechanisms: Embedded defenses tied to hardware components.
• CA Key Revocation Management: Ongoing validation and revocation of Certification Authority Public Keys (CAPKs) to prevent compromised operations.
• Transaction Logging for Audits: Detailed event tracking during transaction processing to support dispute resolution and forensic investigations.
• PCI MPoC Compliance: For mobile payment solutions, ensuring sensitive data protection even on commercial off-the-shelf (COTS) devices.

With EazyPay Tech, payment solutions are shielded against a broad spectrum of cyber and physical threats.

9. Cloud-Enabled and Split-Processing Innovation

EazyPay Tech is at the forefront of enabling next-generation cloud and split-processing models for EMV transactions.

Our cloud-enhanced capabilities include:

• Offloaded Cryptographic Validation: Tasks such as ARQC validation or risk management decisions are performed securely in the cloud.
• Lightweight Terminal Processing: Thin-client kernels handle I/O and initial formatting, leaving complex computations to secure backend servers.
• Centralized Security and Updates: Manage cryptographic keys, firmware updates, and compliance parameters directly from the cloud.

This architecture reduces hardware costs, improves scalability, and enhances transaction security — especially in mobile-first ecosystems.

Choose EazyPayTech’s EMV Contact and Contactless Kernels

At EazyPayTech, we are dedicated to powering the future of payments with high-performance, secure, and adaptable EMV Level-2 Kernel solutions.
Whether you are deploying on classic POS terminals, SoftPOS devices, kiosks, or emerging IoT payment platforms, our EMV Contact and Contactless Kernels deliver unmatched:

• Security with cutting-edge cryptographic systems
• Speed for frictionless consumer experiences
• Scalability across device platforms and payment environments
• Compliance with global and regional payment standards

Partner with EazyPay Tech to bring secure, future-ready payment solutions, because payments deserve more than just compliance; they deserve excellence.