Integrate a pre-certified semi-integrated solution as the means of upgrading the Merchant Point of Sale Systems to support payments and the related layered approach to security is a great idea. a Layered approach that incorporates EMV, E2E network encryption and security tokens clearly offers the reward of minimizing PCI complain costs and associated risk. The real questions are using who, interfacing with whom, are Visa, MasterCard, Discover, American Express and the debit networks satisfied and what will it cost? By offering a Semi-Integrated solution that takes the hardware and related EMV complaint software out of the hands of the ISV, VAR or ISO; is a sensible approach, only if the result can Interfaces any acquirer or payment gateway?