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Global rise in EMV and NFC push contactless EMV Kernel demand

Payment terminal manufacturers can widen global hardware usage with Creditcall’s contactless EMV Kernels enabling payments for American Express, Discover, Mastercard, UnionPay International, and Visa cards.

Bristol, 7 September 2017 – Omni-channel payment gateway and EMV Kernel provider, Creditcall, has expanded its contactless EMV Level 2 Kernel offering to include Discover and UnionPay International. Manufacturers of payment devices looking to source EMV Level 2 Kernels from a third party that address contactless EMV payments can now ensure their payment devices can be used universally across developed and emerging EMV countries. Creditcall’s offering also addresses other payment enablers such as EFTPOS.

A Level 2 Kernel is a software library which handles the logic and processing for EMV chip card transactions, regulated by EMVCo, the trade body behind EMV controlled equally by American Express, China UnionPay, Discover, JCB, Mastercard and Visa. Contactless Kernels are specified by each card brand individually.

In addition to these new Discover and UnionPay International Kernels, Creditcall has Kernels for American Express, Mastercard, and Visa. By leveraging Creditcall’s contactless EMV Level 2 Kernels, payment device manufacturers can solve the challenges associated with EMV contact and contactless payments, and position themselves for the explosive growth and interest in such payment types being experienced worldwide.

EMV Adoption Skyrockets

EMVCo, reported in 2017 that 52.4 percent of all card-present transactions conducted globally between January and December 2016 used EMV chip card technology, up from 35.8 percent for the same period in 2015.* The US has seen the biggest growth of almost 100 percent with an EMV chip card adoption rate of 52.2 percent, compared to 26.4 percent in 2015, the year of the liability shift. Europe remains in the lead with an adoption rate of 84.9 percent while Asia has the biggest growth potential with an adoption rate of 38.8 percent.

The Rise of Contactless Payments

Additionally, due to its ease of use and speed, contactless payments have gained in popularity. In the UK alone, card payments have overtaken cash payments now accounting for more than 50 percent of all retail purchases, of which 30 percent were contactless.

How Creditcall Can Help

Creditcall has more than 15 years of experience in successfully delivering EMV and contactless solutions to the market. With over 250+ EMVCo certifications which all passed 1st time, over two million of its EMV Level 2 Kernels are currently deployed worldwide. Creditcall’s Kernels have been integrated on many chip set manufacturers such as Broadcom, Maxim Integrated, NXP, Linear Technology, and On Semiconductor. Currently the Creditcall Kernels are used in point of sale (POS), mobile POS, ATMs, kiosks, vending, ticketing and machines worldwide.

“Without doubt, contactless payments are increasing in popularity and are having a massive impact in various geographies” - Jeremy Gumbley, CTO of Creditcall.

“Without doubt, contactless payments are increasing in popularity and are having a massive impact in various geographies” said Jeremy Gumbley, CTO of Creditcall. “With card issuers in the United States and Asia set to issue significantly more contactless cards in the coming years, our contact and contactless Kernels will give device manufacturers a massive head start in implementing this often difficult technology while providing ongoing updates whenever there are changes to the specifications.”

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*To qualify as an EMV transaction, both the card and the payment terminal must be EMV-enabled.

About Creditcall

Creditcall provides the tools to enable secure payment acceptance in-store, self-service, online and 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.

With Creditcall’s SDKs for iOS, Android, Windows and Linux, you can quickly, easily, and securely add EMV to your POS or mPOS solutions with access to a multitude of payment devices used in-store, mobile or self-service. The devices are already pre-certified with leading processors and cardholder data is protected at the highest security level at all times thanks to our PCI DSS Level 1 certified payment gateway, P2PE, and tokenization.

Media contact

Ingrid Anusic

Head of Marketing, Creditcall

NMI Team