SoftPOS Solution
A secure tap-to-phone payment platform that enables NFC-enabled Android smartphones to function as fully compliant payment acceptance terminals without requiring dedicated POS hardware.ina Payments SoftPOS transforms merchant mobile devices into secure, scheme-compliant contactless payment terminals using certified NFC technology and continuous device attestation.
Platform Architecture Overview
The SoftPOS platform enables contactless card payments to be read directly from commercial off-the-shelf (COTS) smartphones using built-in NFC capabilities.
Contactless Card Capture
External Reader Integration
PIN Processing Environment
Payment Processing Environment
Attestation & MonitoringApplication Layer
Transaction Engine
SoftPOS Processing Environment
Device & Security Environment
End-to-End SDK Architecture
From merchant mobile application to payment authorization
Merchant Application
Mobile applications that integrate SoftPOS SDK to enable tap-to-pay payment acceptance and merchant workflows.
Contactless Card Capture Layer
Handles NFC reader interaction, EMV contactless kernel processing, and secure tap event management.
Transaction Processing Environment
Processes payment authorization using EMV risk evaluation, cryptogram validation, and host messaging.
Security & Monitoring Environment
Continuously validates device integrity and enforces security policies through device attestation and runtime monitoring.
Core Technical Capabilities
Key capabilities enabling secure tap-to-phone payments
Contactless Card Capture Module
Supports NFC reader interaction, EMV contactless kernel processing (Visa, Mastercard, Amex, RuPay), secure tap handling, and sensitive data masking.
External Reader Integration Module
Allows optional connection of external MSR or SCRP card readers via Bluetooth or USB with encrypted communication.
PIN Processing Environment
Provides secure PIN entry using PCI-approved UI modes, DUKPT or MK-SK encryption, and online PIN validation routing.
Payment Processing Engine
Handles transaction processing, EMV risk management, cryptogram generation (ARQC/ARPC), and tokenized wallet transactions.
Host Messaging Framework
Supports ISO 8583 and Nexo messaging standards for secure integration with acquirers and payment networks.
Device Security & Attestation
Ensures device integrity through root/jailbreak detection, runtime monitoring, tamper event logging, and remote disable mechanisms.
Extended Payment Capabilities
Enabling modern payment acceptance on smartphones
Contactless Cards
Mobile Wallets
Tokenized Transactions
QR Payment Support
Digital Receipts
Loyalty Programs
Who Integrates With the Platform
Key stakeholders using SoftPOS technology
Acquiring Banks
Deploy smartphone acceptance without hardware.
Payment Processors
Enable tap-to-phone across merchant networks.
Enterprise Businesses
Equip field sales and delivery agents.
ISVs & App Developers
Embed payments into vertical apps.
Platform Facts
Hardware-Free
Transforms smartphones into terminals.
Certified EMV
Supports Visa, Mastercard, Amex, RuPay.
PCI-Aligned
Secure PIN and device attestation.
Flexible SDK
Supports monolithic and component models.
Global Scaling
Rapid merchant onboarding.
Partner With Us
Customer Trust Built on Global Reach and Consistent Reliability
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