SoftPOS turns any modern Android or iOS phone into a fully EMV-certified contactless payment terminal — no card reader, no dongle, no hardware. Customers tap their card or wallet directly against the phone. The transaction is secure, the certification is real, and the per-merchant hardware cost goes to zero. We build the SoftPOS app, run the EMV Level 3 certification, and hand back a deployable product. White label or fully custom.
SoftPOS (Software Point of Sale) is a payment application that runs on a standard, off-the-shelf smartphone and uses the NFC chip already inside it to accept contactless card payments. The phone becomes the terminal. The card or mobile wallet taps the back of the phone. The transaction is captured, encrypted, and processed through the same certified rails that traditional terminal hardware uses — with no physical reader involved.
Customer holds their contactless card, Apple Pay, or Google Wallet against the phone. The phone's NFC chip reads the card, the SoftPOS app encrypts the transaction, and it routes through the processor like any other EMV chip payment. Same speed, same security, same approval flow — just without a physical terminal in the merchant's hand.
NFC has been built into every iPhone since the iPhone 6 and every modern Android phone for over a decade. That means the hardware your merchants need is already in their pockets. No procurement, no shipping, no swap cycle, no broken-terminal support tickets. Onboarding becomes a download instead of a hardware order.
SoftPOS isn't a workaround — it's a formally certified payment category. Visa, Mastercard, American Express, and Discover all certify SoftPOS applications under the same EMV Level 3 framework that governs traditional terminals. We've shipped 130+ EMV certifications, including SoftPOS, and we run the cert in-house against our owned FIME and MV tooling.
Card data never lands in cleartext on the phone. Modern SoftPOS architectures use platform-level secure enclaves (iOS Secure Enclave, Android Trusty TEE), tokenization at the SDK level, and PCI MPoC-compliant cryptography. The security posture meets or exceeds traditional terminal deployments — without the physical hardware threat surface of a counter terminal.
A traditional contactless payment terminal costs between $200 and $700 per merchant, plus shipping, replacement cycles, support tickets, broken-device returns, end-of-life churn, and the integration cost of getting the device certified against your processor in the first place. SoftPOS eliminates the entire stack — because the hardware is already in your merchant's hand. The merchant downloads an app. You skip the warehouse, the shipping, the RMA process, and the per-unit cost forever.
Whether you want a fully branded product running on certified rails as fast as possible, a fully bespoke application built around your specific workflow, or just the EMV Level 3 certification on top of a SoftPOS app you've already built — we have a path for each.
We configure a proven L2-certified SoftPOS SDK into a fully branded payment app on your terms. Your name, your UX, our certified infrastructure underneath. Fastest path to a shipped product.
Bespoke SoftPOS application built around your exact workflow — UI/UX, backend integration, processor selection, secondary features. Everything custom, on either native iOS, native Android, or both.
Got the application already? We handle the EMV Level 3 certification end-to-end — across Visa, Mastercard, American Express, and Discover. In-house FIME / MV tooling means faster, cheaper certification.
Integrate with your existing TMS or use our in-house solution — remote configuration, OTA updates, device monitoring, fleet management. One dashboard for every phone running your SoftPOS app.
PCI's Mobile Payments on COTS framework is the security spec SoftPOS lives under. We design to it from day one, and we run the audits and attestations alongside the EMV certification work.
SoftPOS is half phone, half backend. We build the cloud infrastructure, tokenization service, attestation server, and processor integration that makes the rest of the system work — secure end-to-end.
SoftPOS is the right answer when the merchant is mobile, the deployment needs to be fast, or the per-merchant hardware budget is simply zero. Here are the verticals where we've seen it work best — and where the traditional terminal model breaks down.
Drivers accepting payment at the door without an extra device to carry, charge, or replace. Cash-on-delivery rails replaced with chip-secure card payments. The driver's phone is already the dispatch terminal — now it's the payment terminal too.
Temporary retail, weekend markets, festivals, on-site service techs. Anywhere a traditional terminal is overkill or impossible to provision in time. Hand the merchant a phone, take payments today. No warehouse delays.
Servers running phones instead of dedicated handhelds, lower hardware cost per seat, and one device for ordering and payment. Especially powerful for restaurant groups expanding fast — rolling out 50 new locations doesn't mean sourcing 500 terminals.
Taxis, rideshare drivers, transit conductors, contract drivers. Driver phones already running the dispatch app become the payment terminal too. No second device to issue, no second device to lose.
Patient co-pays at the bedside, mobile clinics, in-home care providers, traveling specialists. The administrative staff already carries a tablet or phone — SoftPOS lets it do double duty for compliant card capture.
The merchant onboarding model changes completely. New merchants are live the same day they apply, no hardware shipped, no logistics. For ISOs and PayFacs growing aggressively, SoftPOS is the difference between scaling and being limited by terminal supply.
Tell us what you want to ship — a white label SoftPOS, a fully custom build, or just the EMV certification for an app you've already built. We'll come back with a scope, a fixed price, and a realistic timeline within 24 hours.
Tell us about your SoftPOS project — white label, custom build, or just the EMV certification. We'll come back with a scope, a fixed price, and a timeline within 24 hours. Free, no obligation.