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Creditcall closes chip card adoption gap in U.S.

Pioneer of chip card, mobile and contactless solutions eases certification bottleneck for remaining 66% of US merchants that still have not fully activated EMV technology

NEW YORK and BRISTOL – October 3, 2016 –Upon the one-year anniversary since the U.S. transitioned to chip cards, Creditcall, the omni-channel Payment Gateway and EMV Kernel provider, celebrates 20 years in payments and today announced it has surpassed 2 million EMV Kernels deployed worldwide. This industry milestone together with its Payment Gateway expertise improves the company’s ability to help FinTech leaders remove barriers to embrace and activate the latest and most secure payments technology.

At a notable time in both the company and the industry's history, this announcement extends Creditcall’s unique capacity to drive the future of payments technology forward and help close the EMV gap in the U.S. for the 66% of merchants that struggle to realize full-scale chip card adoption. While 70% of consumers now have chip cards, according to, the need for merchants to catch up with the certifications to process the cards is paramount.

Creditcall removes hurdles to embrace advanced payments technology

The process of migrating to EMV is incredibly complicated and time consuming. It requires a series of certifications a merchant must have in place before chip enabled payment solutions can be used. 15% of merchants have millions of dollars’ worth of new payments equipment sitting at their counter tops, with card slots covered by masking tape as they haven’t been able to activate them due to certification delays also known as certification bottleneck. Merchants that haven’t completed their EMV adoption are at greater risk of payment hacks and have seen their counterfeit fraud costs go up 77% while costs fell by 54% for those merchants who have migrated, according to Mastercard.

For two decades, Creditcall has helped businesses bridge this gap to embrace new payments technology with ease and ensure the process is as fast, simple and secure as possible.

“Creditcall has been at the forefront of payments technology innovation for twenty years due to its unique blend of Payment Gateway expertise and EMV Kernel experience” - Lars Pedersen

“Creditcall has been at the forefront of payments technology innovation for twenty years due to its unique blend of Payment Gateway expertise and EMV Kernel experience,” said Lars Pedersen, CEO, Creditcall. “This combination cannot be found anywhere else in the world and gives Creditcall an unprecedented understanding of the complex and nuanced payments industry, which translates to faster payment technology upgrades and more secure transactions.”

Pedersen continues, “The industry has yet to reach its apex of innovation and with the prevalence of digital technologies and the industry’s embrace of the Internet of Things, we are excited about the possibilities and new opportunities our expert team and sophisticated technology will deliver over the next two decades.”

Highlighting the impact of Creditcall’s technology, milestones include:

  • 2 million EMV Kernels deployed worldwide – Payment device manufacturers from over 23 countries use Creditcall’s EMV Kernels which control the communication between the payment device and a EMV chip card. By using Creditcall’s EMV Kernels, device manufacturers can bring their hardware faster to market by fast tracking certifications and reducing development risk and time.

  • Numerous payment industry firsts – World’s first authorized online card transaction from a parking meter using mobile data (1999); world’s first certified EMV Kernel for unattended/self-service devices, such as a vending machine or kiosk (2003); world’s first EMV chip card ready mPOS solution (2010).

  • 88% increase in transaction points (in-store, self-service, online and mobile) in 2016 – Growing existing customer base includes Atos, Gravity Payments, NCR Silver, Poynt, and Westfield.

  • Most secure and advanced payments gateway – Given the rise of cyber threats, Creditcall offers comprehensive end-to-end security with its proprietary technology and combination of EMV, point to point encryption (P2PE), tokenization, remote key injection (RKI) and a robust terminal management system (TMS) via its suite of ChipDNA SDKs.

A history rooted in pioneering industry firsts

From enabling card payments on hotel phones to secure payments from any device, anywhere, Creditcall has been pioneering payment and security technologies for more than 20 years. The company has contributed to many of the milestones the industry has seen today, in particular EMV and mobile point of sale (mPOS). At the genesis of Creditcall, the company started as a simple telecommunications service, enabling hotel customers to bill telephone calls to their credit or debit card. This service coined the "Creditcall" name.

Today, the company supports the largest payment methods including Apple Pay, Android Pay, American Express, Discover, Mastercard, and Visa, and world most popular processors such as Chase Paymentech, Elavon and First Data to drive the future of secure payments in-store, self-service, online and mobile.

To celebrate with Creditcall, visit the company on their booth #3122 during Money2020 in Las Vegas on October 24-26.


About Creditcall

Creditcall provides the tools to enable secure payment acceptance in-store, self-service, online or mobile. From retail and hospitality, to parking, vending, transportation or charity applications, Creditcall’s omni-channel Payment Gateway and EMV Kernels are at the very heart of its partners' businesses, enabling them to focus on what they do best.

Creditcall is an EMVCo Business and Technical Associate, a PCI SSC Participating Organization, a Mastercard accredited MEPSA company and member of the U.S. Payments Forum and has offices in Bristol, UK and New York, USA.

Media contact

Ingrid Anusic
+44 (0)117 930 4455

NMI Team