EMV Kernel

More security.

Fully EMV‑certified.

Process ATM contact and contactless NFC transactions quickly and securely.

PCI‑compliant | Multivendor | Future‑proof payment processing

EMV Kernel

More security.

Fully EMV‑certified.

Process ATM contact and contactless NFC transactions quickly and securely.

PCI‑compliant | Multivendor | Future‑proof payment processing

EMV Kernel

More security.

Fully EMV‑certified.

Process ATM contact and contactless NFC transactions quickly and securely.

PCI‑compliant | Multivendor | Future‑proof payment processing

EMV Certification Creates a Lasting Operational Burden

EMV certification is not a one-off compliance step. It is a recurring, labor-intensive process that ties up skilled teams, slows technical progress and creates ongoing effort with every relevant change to hardware or software.

Complex Certification

Complex Certification

EMV certification requires separate validation across L1, L2 and L3 each with its own scope, testing requirements and specialist expertise.

EMV certification requires separate validation across L1, L2 and L3 each with its own scope, testing requirements and specialist expertise.

Time-Intensive Testing Effort

Time-Intensive Testing Effort

Especially at L2, certification involves hundreds of mandatory test cases that must be executed precisely, often stretching across weeks or months.

Especially at L2, certification involves hundreds of mandatory test cases that must be executed precisely, often stretching across weeks or months.

Recurring Resource Drain

Recurring Resource Drain

Every relevant hardware or software update can trigger recertification, forcing banks to repeatedly shift skilled IT resources away from innovation and day-to-day operations.

Every relevant hardware or software update can trigger recertification, forcing banks to repeatedly shift skilled IT resources away from innovation and day-to-day operations.

Complete EMV Coverage

Production-Ready EMV Kernel for Contact-Based and Contactless ATM Readers

Official L2 Certification

Pre-certified by EMVCo. Your ATM deployment benefits from a scheme-validated component.

Multi-Scheme Support

Out-of-the-box support for Visa, Mastercard, Amex and major global networks.

Simple Integration

Seamlessly embeds into your existing software stack to keep development cycles on time.

SBS Expert Support

Ensures latest EMV standards are implemented and modules remain fully certified and up to date.

Ensures latest EMV standards are implemented and modules remain fully certified.

Contact-Based Readers

Contact-Based Specialist

Engineered specifically for L1-certified contact card readers in ATM environments.

Multivendor Integration

Supports readers from multiple manufacturers using our own EMV kernel for maximum flexibility.

Contactless Readers

Contactless Transactions

Provides high-level functions for ATM transactions without exposing EMV complexity.

Unified Reader Integration

Works with multiple NFC readers in different modes through a standardized API interface.

L1

Hardware interface provided by the vendor

The card reader is already L1 certified by the hardware vendor, covering the mechanical and electrical protocols between the card and the terminal reader.

L2

The core product - Certified EMV Kernel

The software kernel covers transaction processing logic, cryptography and card scheme compliance. Our solution already includes the officially L2-certified kernel for straightforward integration.

L3

Guided Support for L3 Certification

We support your team throughout the L3 certification process by helping manage the required Q&A activities, coordinating the relevant inputs and reducing the internal effort needed to move efficiently through final validation.

L1

Hardware interface provided by the vendor

The card reader is already L1 certified by the hardware vendor, covering the mechanical and electrical protocols between the card and the terminal reader.

L2

The core product - Certified EMV Kernel

The software kernel covers transaction processing logic, cryptography and card scheme compliance. Our solution already includes the officially L2-certified kernel for straightforward integration.

L3

Guided Support for L3 Certification

We support your team throughout the L3 certification process by helping manage the required Q&A activities, coordinating the relevant inputs and reducing the internal effort needed to move efficiently through final validation.

Recertification Is a Must but It Doesn't Have to Be Your Problem

The hidden burden

Mandatory Cycles

Card schemes regularly update specifications, requiring recertification for new terminal deployments.

Resource Drain

Requires re-executing hundreds of L2 test cases, consuming valuable engineering time.

Unpredictable Costs

Variable expenses for test labs, tools, and internal man-hours disrupt budgeting.

Our managed solution

Proactive Monitoring

We monitor scheme updates and initiate recertification proactively before deadlines hit.

Zero Internal Effort

We handle the applicable L2 testing and deliver updated, field-ready & certified kernel versions.

Fixed Service Fee

We offer a transparent, fixed annual service model, replacing unpredictable costs.

Hardware interface provided by the vendor

The card reader is already L1 certified by the hardware vendor, covering the mechanical and electrical protocols between the card and the terminal reader.

The core product - Certified EMV Kernel

The software kernel covers transaction processing logic, cryptography and card scheme compliance. Our solution already includes the officially L2-certified kernel for straightforward integration.

Guided Support for L3 Certification

We support your team throughout the L3 certification process by helping manage the required Q&A activities, coordinating the relevant inputs and reducing the internal effort needed to move efficiently through final validation.

L1

A Structured Partnership That Covers Every Phase of Your ATM Lifecycle

We would be happy to advise and support you in your self-service projects!

Step by step to your next-level
self-service software

Let's get to know each other

Let's talk about your requirements in person. We will show you what our software solutions are capable of and answer your questions.

Consultation on equal footing

Do our solutions meet your requirements? We will advise you transparently and give you as much time as you need to make an informed decision.

Installation & Support

You've opted for our software solutions? Great - now we'll roll up our sleeves and adapt our software components to your requirements in the best possible way. We will support you with the installation and use of our products.

We would be happy to advise and support you in your self-service projects!

Step by step to your next-level
self-service software

Let's get to know each other

Let's talk about your requirements in person. We will show you what our software solutions are capable of and answer your questions.

Consultation on equal footing

Do our solutions meet your requirements? We will advise you transparently and give you as much time as you need to make an informed decision.

Installation & Support

You've opted for our software solutions? Great - now we'll roll up our sleeves and adapt our software components to your requirements in the best possible way. We will support you with the installation and use of our products.

We would be happy to advise and support you in your self-service projects!

Step by step to your next-level
self-service software

Let's get to know each other

Let's talk about your requirements in person. We will show you what our software solutions are capable of and answer your questions.

Consultation on equal footing

Do our solutions meet your requirements? We will advise you transparently and give you as much time as you need to make an informed decision.

Installation & Support

You've opted for our software solutions? Great - now we'll roll up our sleeves and adapt our software components to your requirements in the best possible way. We will support you with the installation and use of our products.

Let's get your software project off to a successful start and onto the home straight together.

Do you have any questions or would you like more information?

Do you have any questions or would you like more information?

Let's connect.

Lazy loaded image