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.
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.
NFC has been built into every iPhone since the iPhone 6 and every modern Android phone for over a decade. No procurement, no shipping, no swap cycle. 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.
Card data never lands in cleartext on the phone. Modern SoftPOS architectures use platform-level secure enclaves, tokenization at the SDK level, and PCI MPoC-compliant cryptography.
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. Fastest path to a shipped product.
Bespoke SoftPOS application built around your exact workflow — UI/UX, backend integration, processor selection, secondary features.
Got the application already? We handle the EMV Level 3 certification end-to-end — across Visa, Mastercard, American Express, and Discover.
Integrate with your existing TMS or use our in-house solution — remote configuration, OTA updates, device monitoring, fleet management.
PCI's Mobile Payments on COTS framework is the security spec SoftPOS lives under. We design to it from day one.
SoftPOS is half phone, half backend. We build the cloud infrastructure, tokenization service, attestation server, and processor integration.
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.
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.
Temporary retail, weekend markets, festivals, on-site service techs. Hand the merchant a phone, take payments today.
Servers running phones instead of dedicated handhelds, lower hardware cost per seat, one device for ordering and payment.
Taxis, rideshare drivers, transit conductors, contract drivers. Driver phones already running dispatch become the payment terminal too.
Patient co-pays at the bedside, mobile clinics, in-home care providers, traveling specialists.
New merchants are live the same day they apply, no hardware shipped, no logistics.
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 project — we route you to the right specialist.
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.