EMV Kernel

EMV transformation impacts every part of the banking payments ecosystem, service providers, and financial institutions. PayCore’s expert staff, with 20+ years of experience, are here to support you for all your EMV processes!

Why PayCore EMV Kernel?

The PayCore EMV Enablement Solution allows terminal providers, chip providers, card issuers, acquirers, and transit operators to seamlessly migrate their legacy systems to EMV standards, thereby reducing fraud risk and lowering costs. With its EMV experience, PayCore offers the optimum solutions and services in this field.

PayCore, with its 20+ years of experience in the field of EMV, offers EMV solutions to all areas of the payment ecosystem, from cards and card terminals to acquirer and card-issuing systems, creating an integrated, end-to-end platform for you.

You can contact PayCore’s experienced experts for a smooth EMV migration.

Solutions

EMV Level 2 Kernel

PayCore EMV Level 2 (L2) Kernel is a middleware application between a terminal operating system and a terminal payment application, providing an EMV transaction between terminal and card and offering a configuration-friendly solution with low memory requirements.

The certification, which is critical to the smooth migration of EMV and mobile payment transactions for terminal vendors, possesses a flexible architecture that supports different types of terminals, such as tablets, parking devices, outdoor payment terminals, transit validators, and retail terminals. With the EMV level 2 kernel, you can carry out secure and convenient transactions in retailers, transit locations, self-service terminals and other EMV-enabled payment locations.

With over a decade providing cutting-edge solutions for global vendors and developing EMV contact and contactless EMV level 2 kernel projects, PayCore’s most recent certification supports both contact and contactless payment schemes.

PayCore EMV L2
Kernel Solution

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Solutions

EMV Level 2 Kernel

PayCore EMV Level 2 (L2) Kernel is a middleware application between a terminal operating system and a terminal payment application, providing an EMV transaction between terminal and card and offering a configuration-friendly solution with low memory requirements.

The certification, which is critical to the smooth migration of EMV and mobile payment transactions for terminal vendors, is easily adapted to different types of terminals, such as tablets, parking devices, outdoor payment terminals, transit validators, and retail terminals, thanks to its flexible architecture. With EMV level 2 kernel, you can carry out secure and convenient transactions in retailers, transit locations, self-service terminals and other EMV-enabled payment locations.

With over a decade providing cutting-edge solutions for global vendors and developing EMV contact and contactless EMV level 2 kernel projects, PayCore’s most recent certification supports both contact and contactless payment schemes.

Instant and Mass Card Personalization

PayCore Card Personalization offers issuers and personalization offices a simple and easily adaptable EMV migration and card issuing solution. We offer a cost-effective, vendor-independent, secure and customizable infrastructure. Thanks to the solution, perso offices can easily commence new payment programs in accordance with the issuers' requirements.

With the Instant Card Issuance Solution, you can easily perform financial card issuing transactions at branches and/or retail points. Your clients can obtain their cards just 3 minutes after opening their accounts at bank branches and/or retail services. All security processes and procedures are managed centrally by the issuer. You can use PayCore’s instant card issuing service to instantly personalize all card types such as credit cards, debit cards and prepaid cards.

• Offered in a software- and device-integrated form according to requirements,
• Sends real-time personalization commands from the centralized data preparation network, and key management servers send information to the personalization equipment at the branch,
• Compatible with all card plastics and card printing machines,
• Old card PINs can be transferred to cards that will be newly issued,
• Supports all payment schemes.

EMV Transit Management

With PayCore’s EMV Transit Management Solution (open-loop) you can use your contactless cards at payment acceptance points in accordance with financial payment services standards, as well as provide a variable-fare feature. Solution provides the functionality and integration between the automatic fare collection (AFC) system, acquirer bank, terminal and other required elements in the transit environment while performing risk management analysis. Along with our tokenization process, it provides a secure channel distribution, protecting sensitive data elements in EMV contactless transactions.

EMV Analyser

PayCore Contact Analyzer, a PC-based tool with a comprehensive visual interface, helps to understand complex EMV items through detailed screens and descriptions. The tool’s principal function is to carry out the tests, simulations and quality control of EMV contact cards. With EMV analyzer, you can carry out tests, simulations and quality control of EMV contact cards by performing real and fully EMV-compatible transactions.

PayCore contact analyzer enables you to test the interaction between card, terminal and banking host system. It helps to reduce operation costs by simulating different types of terminal in one system.

PayCore’s contactless analyzer solution consists of windows-based PC applications utilizing the most up-to-date VISA payWave, Mastercard PayPass, AMEX ExpressPay and Discover D-PAS specifications. Each tool is based on EMV level 2 kernel implementation approved by payment authorities. PayCore contactless analyzer connects to a real host system and analyzes card behavior on a PC while making transactions with contactless cards.

Get in Touch!

We are here to help you and your business. Contact us!
Contact Us

Get in Touch!

We are here to help you and your business. Contact us!
Contact Us
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