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 Multi-Level Certification
Complex Multi-Level 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.
Transparenz schafft Vergleichbarkeit, was Optimierungsmöglichkeiten und kontinuierliche Leistungssteigerung fördert. Die ist unser Antrieb, stets innovative Lösungen zu entwickeln und unseren Kunden den besten Mehrwert zu bieten.
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.
One Partner, One Kernel, Complete EMV Coverage
Production-Ready EMV Kernel for Contact-Based ATM Readers
Official L2 Certification
Pre-certified by EMVCo. Your ATM deployment benefits from a scheme-validated component from day one.
Contact-Based Specialist
Engineered specifically for L1-certified contact card readers in ATM environments.
Multi-Scheme Support
Out-of-the-box support for Visa, Mastercard, Amex, and major global networks.
Modular Integration
Seamlessly embeds into your existing software stack without requiring a full system overhaul.
Recertification Is Not Optional - But It Doesn't Have to Be Your Problem
The hidden burden
Mandatory Cycles
Card schemes regularly update specifications, forcing mandatory recertification for all deployed terminals
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 all testing and deliver updated, certified kernel versions ready for deployment.
Fixed Service Fee
Replace unpredictable costs with a transparent, fixed annual service model.
When self-service devices fail, you see it first.
When self-service devices fail, you see it first.
When self-service devices fail, you see it first.
The Incident Dashboard displays all relevant malfunctions in real time – prioritized, clear, and action-oriented. This way, you detect issues early and respond before service is impacted.
Fill levels under control – anytime.
Fill levels under control – anytime.
Fill levels under control – anytime.
Stay on top of cash levels, refill intervals, and the last replenishment time. KIXOperator shows you exactly when action is needed – for fewer downtimes, optimized service operations, and greater supply security at every location.
Alerted when it matters.
Alerted when it matters.
Alerted when it matters.
Whether it’s a malfunction, outage, or critical condition, the alert system notifies you immediately via SMS—straight to your phone. This way, you always know when something happens without sitting in front of the dashboard. It saves time, reduces oversight effort, and ensures you only step in when it’s truly necessary.
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 kernel already includes the officially L2-certified component 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
01
Integration
ProjectWe begin with a structured engagement. Our engineers work directly alongside your team to embed the EMV Kernel into your ATM software environment, providing handson technical support.
02
L3 Certification Support
We guide your team through the L3 certification process, supporting the quality assurance and testing activities required by card schemes to validate your end-to-end solution.
03
Recertification Management
Whenever card schemes update specifications, we manage all required recertification activities. We initiate this proactively to ensure continuous compliance without disrupting operations.
04
Ongoing
MaintenanceWe provide continuous maintenance of the EMV Kernel, including updates, bug fixes, and scheme-driven changes, backed by dedicated technical support for the long term.
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?
