EazyPay Tech is a trusted industry leader in contact and contactless EMV kernel development, specializing in end-to-end EMV certification, compliance, testing and custom kernel integration. With a proven track record of delivering secure, scalable, and high-performance payment solutions, we are at the forefront of enabling India’s transformation into a smart, interoperable, and digitally empowered public transport ecosystem. In alignment with the Government of India’s National Common Mobility Card (NCMC) initiative, we provide fully compliant, RuPay-enabled EMV solutions designed to power seamless, one-card travel and retail payments across metros, buses, tolls, parking systems, and retail outlets.

With our EMV domain expertise, we empower transit authorities, banks, terminal manufacturers, and fintech companies to build, certify, and deploy NCMC-ready solutions for seamless digital mobility experiences.

The National Common Mobility Card (NCMC) is an interoperable, contactless payment card launched by the Government of India and powered by RuPay. It is designed to enable Indian citizens to:

• Pay for metro, bus, toll, and parking services
  
• Tap-and-pay at retail stores and POS devices
  
• Load offline wallets for contactless fare payments
  
• Use one card across multiple transit and payment systems nationwide.
  

NCMC is based on EMV standards, making your existing EMV expertise and infrastructure highly relevant for deploying NCMC solutions.

How EazyPay Tech Supports NCMC in India

With our strong foundation in EMV Contact and Contactless kernel development, EMV L1/L2 testing, and certification support, we extend our services to accelerate the adoption of NCMC across India.

 1. Development of EMV Kernel for NCMC 

• Built-in Compatibility with NCMC Protocols: Our EMV Level 2 kernels are engineered specifically to support RuPay NCMC profiles, including both open-loop (EMV) and closed-loop (wallet) transactions.
• Optimized for Transit Use Cases: Designed for high-speed tap-and-go environments such as metros, buses, and toll booths, ensuring quick transaction processing and minimal latency.
• Secure Offline Wallet Processing: Full support for stored-value offline wallets that can be debited even without real-time connectivity, essential for underground or remote transit zones.
• Modular & Customizable Kernel Architecture: Kernels can be customized for hardware platforms like Android POS, Linux validators, and custom-built fare gates.

   

2. Terminal Certification and Pre-Compliance Testing

• Complete Pre-Certification Testing Framework: We simulate real-world NCMC transaction scenarios to identify and fix issues before official certification begins, saving both time and cost.
• NPCI & EMVCo-Aligned Test Cases: Our test matrix covers EMV L1/L2 test plans, RuPay NCMC acceptance requirements, and certification mandates from NPCI and CDAC.
• Debug & Certification Guidance: We help you interpret test failures, provide engineering workarounds, and guide teams through certification documentation and lab interaction.

   

 3. NCMC Application Development for POS & Validators

• Transit-Focused Application Layer: We build lightweight, fast, and secure applications for tap-in/tap-out scenarios, integrated with fare calculation engines.
• RuPay Card Profile Handling: Detect and interpret RuPay-based NCMC card types (e.g., retail + transit wallet cards) and apply correct business logic.
• Multi-Modal Payment Support: Support for transit fare, offline wallet deduction, retail POS, top-up stations, and QR fallback (optional).
• Real-Time and Batch Processing: Handle both real-time fare calculation and deferred/batch data sync with backend transit systems.

   

4. QA and Functional Testing for NCMC Transactions

• Real-World Scenario Testing: Cover scenarios such as card tap failure, insufficient balance, over-tapping, fare reversal, or re-tapping within defined time windows.
  
• Automated Test Scripts & Simulation Tools: Support for emulators and automated scripts to accelerate regression testing for repeated deployments or multi-terminal setups.
  
• Cross-Terminal Interoperability Testing: Ensure that the NCMC card behaves consistently across different types of POS, validators, and entry/exit points.
  
• Wallet Behavior Validation: Simulate offline transaction sequences and validate logic for stored-value deduction, wallet top-up, transaction priority, and exception management.

   

5. Transit & Payment Operator Consulting

• System Architecture Design: Define end-to-end transit payment flow including front-end validators, middle-layer gateways, and backend fare management or acquirer systems.
  
• Bank & Acquirer Integration: Assist in setting up settlement with NPCI-accredited acquirer banks including API integration and transaction routing.
  
• Hardware Platform Recommendation: Recommend certified validator hardware (e.g., Android validator, Linux POS, QR + EMV dual-acceptance devices) that is already EMV & NCMC compatible.
  
• RFP Support and Technical Documentation: Help you respond to government or Smart City transit tenders with clear technical specifications and solution diagrams.

   

6. Support for Banks, OEMs and Fintechs

• NCMC Card Issuance Enablement: Help banks launch RuPay NCMC cards with offline wallet support, tied to customers’ debit or prepaid accounts.
  
• OEM Firmware & Kernel Integration: Partner with POS and validator OEMs to integrate our certified kernel into their base firmware, ready for transit deployments.
  
• SoftPOS & Android POS Application Stack: Build NCMC acceptance apps that run on Android-based SoftPOS terminals and handheld EMV devices with secure tap capabilities.
  
• Payment Gateway/Acquirer Certification: Assist fintechs in getting certified with NPCI and compliant with RuPay NCMC acceptance stack.
  

7. Lifecycle Maintenance & Compliance Upgrades

• EMVCo/NPCI Spec Upgrades: Keep your kernel and applications up to date with the latest releases from EMVCo and NPCI (e.g., transit profile updates, offline wallet enhancements).
  
• Remote Diagnostics & Logging: Enable real-time troubleshooting for live POS or validator terminals using remote logging tools and system health monitoring.
  
• Security Patch Management: Ensure that kernels and applications are protected against emerging vulnerabilities and compliant with PCI-DSS and EMV security standards.
  
• Periodic Recertification Services: Support clients with regular compliance checkups and assist in recertification when specs evolve.

Our NCMC Service Portfolio

Why Choose EazyPay Tech for NCMC?

• Proven EMV Expertise – We’ve delivered tested, certified EMV kernels across the globe
• Customization Ready – Tailored solutions for Indian transit, wallet, and acquirer needs
• Faster Time-to-Market – Reduce development and certification cycle by 50%
• End-to-End Support – From kernel to app, from certification to deployment
  

Let’s Build the Future of Digital Mobility Together

India’s public transit is moving fast toward contactless, interoperable, and real-time payment systems powered by the National Common Mobility Card (NCMC).

With EazyPayTech as your technology and certification partner, you gain the expertise, speed, and scalability to succeed in this next phase of mobility innovation.