NCMC Kernel
At EazyPay Tech, we specialize in Custom Kernel Development for the National Common Mobility Card (NCMC) ecosystem. Our solutions are tailored to meet EMVCo and NPCI standards while supporting transit, banking, and retail use cases.
Designed for OEMs, terminal manufacturers, and AFC integrators, our EMV L2 contact and contactless kernels provide a secure, fast, and certifiable interface for smart mobility payments. Whether you’re launching POS terminals, validators, or QR-based devices, we deliver fully customizable kernel with accelerated time-to-market and seamless L2/L3 certification support.
Why Choose Our NCMC Solution and Services?
End-to-End NCMC Kernel Development Expertise
We offer complete development of EMV-compliant NCMC contact and contactless kernels, optimized for seamless integration into transit and retail payment devices.
Certified RuPay EMV Compliance Support
Our team ensures your product meets all NPCI and EMVCo certification requirements, including L2 and L3 testing, reducing time-to-market and audit failures.
Fast-Track Certification Assistance
Get full support through every phase of certification—from lab coordination to issue resolution—ensuring quick approval and deployment.
Ready-to-Integrate SDKs and APIs
Our NCMC solutions come with developer-friendly SDKs and customizable APIs, allowing faster integration with terminals, validators, and mobile apps.
Trusted by OEMs, Banks & Fintechs Across India
Leading transit and banking partners rely on us for high-quality, secure, and scalable NCMC solutions tailored for Indian market needs.
Post-Deployment Support & Updates
We don’t stop at delivery. We offer post-deployment maintenance, periodic upgrades, and security patches to keep your terminals compliant and future-ready.
NCMC Certifcation
- NPCI-Certified NCMC Solutions
End-to-end support for all NPCI certifications, from card to terminal. - EMV Level 1 & 2 Certified Compliance
L1/L2 certified terminals and kernels aligned with EMV global standards. - PCI DSS & PIN Security Assurance
Full PCI compliance for secure PIN entry and card data processing. - ISO/IEC Standard Integration
Adheres to ISO 14443, 7816, and 8583 for interoperability and security. - Complete Certification Lifecycle Management
We manage development, testing, and certification with reduced time-to-market. - Certified Across Card, Terminal & Backend Systems
Comprehensive certification for cards, terminals, hosts, and payment infrastructure.
NCMC Kernel Architecture
NCMC Kernel Fortification
- EMVCo Level 2 Certified Base for global compliance
- NPCI NCMC Specification Integration including fare logic
- SAM (Secure Access Module) Integration for transit encryption
- Offline Data Authentication (ODA) and risk management
- Customizable Terminal Action Codes (TAC) for business logic
- Support for Multiple AID (Application Identifiers) for card type recognition
Impact Areas
Transit System Integration
Offline and online fare collection support across metros, buses, and parking.
Contactless Banking Transactions
Seamless retail acceptance via tap & pay using NCMC cards
Smart City Infrastructure Enablement
Enable payment touchpoints across kiosks, ticketing machines, and parking.
Multi-Form Factor Acceptance
Supports EMV cards, wearables, QR codes, and mobile NFC
Advantages of Our NCMC Kernel
- Reduced Certification Time with pre-tested EMV L2 modules
- Flexible Architecture for POS, validator, kiosk, and mPOS
- Future-Proof with Open APIs for integrating fare logic or UPI extensions
- Ready-to-Test with NPCI Tools for certification & debugging support
- Custom Business Logic Layer for transport authority rules or loyalty
FAQ
The RuPay NCMC (National Common Mobility Card) is an interoperable card issued by Indian banks that supports contactless transit and retail payments on a single platform.
An NCMC EMV kernel is a software module embedded in a payment terminal that handles RuPay card transaction logic as per NPCI and EMV specifications.
We provide custom kernel development (L2), integration, testing, and certification support for contact and contactless NCMC payment terminals.
Yes, we develop EMV Level 2 kernels that are certifiable by NPCI and EMVCo, with full support for pre-certification and lab testing.
It is the certification issued by NPCI to verify that the terminal’s EMV L2 kernel complies with NCMC and RuPay transaction specifications.
We support POS devices, validators, kiosks, handheld terminals, and custom transit hardware compatible with NCMC standards.
It involves functional testing of the terminal kernel to ensure it follows EMV and RuPay NCMC specifications. We manage the entire process end-to-end.
Yes, our team can integrate certified NCMC kernels into third-party hardware platforms with Linux, Android, or RTOS environments.
Yes, we assist issuers in validating card personalization as per NPCI’s CPV process to ensure compliance and issuance readiness.
ISO standards like ISO/IEC 14443 (contactless), ISO/IEC 7816 (contact), and ISO 8583 (financial messaging) ensure interoperability across devices and systems.
Depending on the kernel’s maturity, it typically takes 4–8 weeks including development fixes, test cycles, and certification lab approvals.
L1 covers physical and electrical behavior of the card/reader; L2 covers kernel logic and transaction flow. Both are required for terminal approval.
Yes, we support acquirer-level certification and terminal application validation as per NPCI’s compliance framework.
Yes, we offer ongoing support, patches, and updates to keep your terminal NCMC-compliant and up-to-date with any new mandates.
Yes, we assist issuers in validating card personalization as per NPCI’s CPV process to ensure compliance and issuance readiness.
Absolutely. We offer fully customizable NCMC terminal applications for OEMs, banks, and transit solution providers.
