Software companies have a lot on their plate and invest a ton of time into product development, funding, building a user base, onboarding and training new customers – and if your users need to accept payments through your software, you need to manage all the processes necessary to enable contactless and EMV payments.
Undeniably, contactless and EMV payment integrations add value to your solution. However, providing this functionality to your users has come at a high cost:
- Integration takes a substantial amount of time: Traditional contactless and EMV integration involves using multiple software development kits (SDKs) for various platforms, and each requires a local driver. Developers have to consider the architecture of each platform and customize their integrations. In all, the development and certification process can take months to complete.
- Certifications have strict requirements: Systems that accept contactless and EMV payments must meet strict hardware and software guidelines as well as follow a long list of security requirements.
- Payments integration requires additional resources: SDK integrations are complicated, so ISVs may need to dedicate or hire new developers and support resources with expertise in platform-specific SDKs.
Moreover, complexity doesn’t end with implementation. Traditional contactless and EMV payment integrations put you on a path of dealing with issues while your clients use your software. For example, features may not work correctly after a software update, security patches may interfere with payment functionality, or device updates may require on-site service – and the demands only grow as solutions mature and customers request new features and enhancements.
There’s an Easier Path to Contactless and EMV Payment Integration
In response to ISV partners’ communicating these challenges, NMI developed ChipDNA Cloud, a fast, agile way to integrate contactless and EMV payments. With ChipDNA Cloud, you don’t have to download SDKs or manage device drivers. You only need one integration, with a simple API stack, that turns any internet-connected device into a point of sale (POS). This gives you the freedom to provide a totally platform- and operating system-agnostic system to your users.
Using this straightforward path to contactless and EMV payment functionality, you can save time, reassign developers to address other objectives, and slash costs associated with traditional integration. You will also be able to take your solutions to market and monetize payments integration faster.
Ongoing support for your clients will also be easier than with traditional integrations. Using ChipDNA Cloud eliminates much of the time your support team spends troubleshooting problems – as well as the stress and friction it creates between you and your clients. Training your support staff will also be easier; you don’t need developers that specialize in integration with specific platforms.
Without the burden of dealing with traditional integrations, your entire team can focus more on optimizing your products and providing exceptional customer service instead of spending time trying to make your applications work with a payment device.
Your End Users Will Love ChipDNA Cloud, Too
In addition to the benefits ChipDNA Cloud provides developers, it will also make life easier for your clients. ChipDNA Cloud doesn’t require downloading device-related software and drivers to local machines, so if a terminal needs service, the merchant can easily switch over to a tablet or a smartphone to complete transactions. Also, a single device can support multiple processors and updates take place in the cloud, so merchants won’t experience the disruption of managing them from within their organization.
In addition, ChipDNA Cloud removes a roadblock for merchants who want to upgrade their current systems or implement new solutions but couldn’t proceed because of complex EMV integrations. It’s also the ideal solution for ecommerce businesses that want to accept payments at a pop-up shop or showroom – they can leverage all existing ecommerce logic for use with card-present devices. In fact, ChipDNA Cloud allows you to provide all of your users with a complete, flexible omnichannel payment solution.
ISVs developing solutions for vertical markets beyond retail or restaurant, such as healthcare, consumer services or general business, may also find value in providing their users with the ability to accept contactless and EMV payments via ChipDNA Cloud.
The API is currently available with EMV and contactless Ingenico devices, Lane 3000, 5000 and 7000 and is certified on TSYS, Elavon, First Data and Worldpay.
About NMI
NMI is a leading global payment enablement platform, processing more than $70 billion in payments annually. We enable payments for 1,450 partners and over 150,000 merchants around the world and across the entire commerce ecosystem: online, in-app, mobile, in-store, unattended and whatever’s next. We’re constantly innovating in order to power the next era of payments, building in the latest technology so ISOs, ISVs and fintech innovators can focus on what they do best. NMI has offices in the US and UK and serves global customers.
