SoftPOS Overview
Our production-grade SoftPOS SDK enables businesses to transform Android smartphones and tablets into secure, EMV-compliant NFC payment terminals, eliminating the need for dedicated POS hardware and reducing overall infrastructure costs. Built on a modular, API-first architecture, the solution supports white-label deployment, SDK integration, and App2App models, allowing seamless integration into existing payment ecosystems. The platform combines a powerful mobile layer with a cloud-native backend to deliver real-time transaction processing, device lifecycle management, and secure payment orchestration. With integrated EMV Level 2 contactless kernel, NFC capability, and optimized transaction performance, our SoftPOS solution ensures fast, scalable, and secure contactless payment acceptance across multiple industries including retail, transit, and field services.
Impact Areas
Cashless Societies
Accelerates digital payment adoption by enabling merchants to accept contactless transactions using only NFC-enabled smartphones.
Emerging Markets
Provides cost-effective payment acceptance infrastructure, unlocking new opportunities in low-POS-penetration regions.
Remote-Focused Businesses
Supports mobile and field-based merchants with seamless, on-the-go payment acceptance capabilities.
Back-up POS System
Acts as a reliable alternative to traditional POS devices, ensuring business continuity during system or hardware failures.
SoftPOS Fortification
- PCI MPoC Ready Security: Designed to meet advanced mobile payment compliance standards with secure transaction processing.
- White-Box Cryptography: Ensures protection of sensitive payment data in untrusted device environments.
- Secure Key Management: Supports Remote Key Injection (RKI) with IPEK, BDK & ZPK for secure key lifecycle.
- Device Attestation & Runtime Protection: Detects root/jailbreak, tampering, debugging, and malware threats in real time.
- End-to-End Encryption: Secures transaction data using TLS, tokenization, and session-based authentication.
- Real-Time Transaction Validation: Enforces mandatory device and session verification before transaction authorization.
Advantages of SoftPOS
- Simple Integration: API-first design enables seamless integration with gateways, acquirers, and banking hosts via ISO8583 or REST APIs.
- User-Friendly Interface: Supports multiple deployment models including SDK, App2App, and standalone applications for seamless merchant onboarding.
- Convenient Payments: Streamlined Tap-to-Phone flow (Tap → Confirm → Pay) for fast, frictionless transactions.
- Accept Anywhere: Supports NFC cards, mobile wallets, and wearables without additional hardware.
- Multi-Transaction Support: Handles sale, refund, reversal, pre-auth, settlement, balance inquiry, and cashback.
- Ensured Payment Security: Combines EMV L2 kernel, secure backend orchestration, device attestation, and encryption to deliver highly secure transactions.
FAQ
SoftPOS (Software Point of Sale) turns an Android smartphone or tablet into a contactless payment terminal using only an app.
Tap-on-Phone is a technology that lets merchants accept contactless payments directly on their NFC-enabled smartphones without extra hardware.
It leverages the device’s NFC to securely accept card payments, wallet transactions, and even PIN input for high-value purchases.
Yes. Our solution is PCI MPoC compliant and uses encryption, tokenization, and secure environments to protect every transaction.
Any Android device running version 8.0 or higher with built-in NFC capabilities.
No. mPOS requires extra hardware like a card reader. SoftPOS needs no additional hardware—just your smartphone.
It supports contactless debit/credit cards, NFC-based wallets (Google Pay, Apple Pay, Samsung Pay), and Tap-to-PIN transactions.
Yes. With Tap-to-PIN support, customers can securely enter their PIN directly on the phone screen.
Yes. Our SoftPOS is EMV Level 2 compliant, supporting chip-based contactless cards.
Yes. We provide fully customizable white-label SoftPOS solutions for banks, PSPs, and fintech companies.
Near Field Communication (NFC) is a short-range wireless technology enabling secure contactless transactions.
Customers tap their card or phone on the merchant’s NFC-enabled device to initiate a payment securely and instantly.
Yes. NFC payments are encrypted, tokenized, and authenticated, ensuring strong transaction security.
NFC is touch-based and faster; QR code payments involve scanning and are ideal for non-NFC phones.
Our platform supports hybrid models that include both NFC and QR-based transactions.
It’s ideal for small businesses, delivery personnel, retailers, gig workers, and mobile service providers.
Our solution is built for scale—from solo vendors to large multi-outlet retailers.
Absolutely. Receipts can be shared via SMS, email, or integrated apps.
No additional hardware is required, making it cost-effective and easy to deploy.
With our onboarding system, merchants can be live within minutes after app installation and verification.
We offer SDKs and APIs for seamless integration into your business app or platform.
Our solution is ideal for PSPs, ISOs, and acquirers looking to offer branded Tap-on-Phone services.
We offer integration assistance, certification support, and post-deployment technical support.
Our admin dashboard enables remote monitoring, control, and reporting of all merchant activities.
No. Our backend is scalable to support thousands to millions of concurrent users.
We are fully PCI MPoC (Mobile Payments on COTS) and PCI CPoC compliant.
Yes. Our solution includes integrated EMV L2 certified contactless kernels.
Yes. We meet global scheme guidelines and security requirements from Visa, Mastercard, RuPay, and others.
Absolutely. We provide guidance for acquirers and partners throughout the certification lifecycle.
Our Tap-on-Phone and NFC solutions are deployed globally and can be localized per region.
