Ingenico Rolls Out mPOS EMV SDK

Ingenico Group’s mobile solutions division has launched a new mPOS EMV SDK aimed at providing mobile ISVs and developers with a faster route to EMV integration.

This new offering — officially announced at TRANSACT 16 — includes is a pre-certified, semi-integrated toolkit designed to provide a more seamless integration with iOS and Android apps, mobile card readers and EMV gateways to speed up the EMV payment acceptance process.

“APIs and SDKs are taking hold in financial services as a way to accelerate innovation,” said David Szczepanski, chief operating officer at Ingenico Mobile Solutions. “Whether or not they have payment experience, ISVs and developers building mobile applications don’t want to focus on EMV payment acceptance. It’s complicated, time-consuming and risky. Ingenico Group is removing all of that complexity with our SDK, greatly simplifying the process and enabling ISVs to get to market quickly with the solutions that their customers need.”

As part of the mPOS EMV SDK, the product is designed to enable developers and ISVs to reduce their time to market, saving time and money along the process. This all-in-one solution aims to provide them with Ingenico Mobile Solutions’ offerings without having to seek outside sources. The SDK’s semi-integrated approach also manages all the payment logic and enables ISVs and developers to bypass the EMV certification process and reduce their PCI scope.

“Developing EMV-enabled mPOS applications has been a significant challenge for even the most experienced ISVs and developers,” said Jordan McKee, senior analyst for payments at 451 Research. “EMV necessitates a far more complex application development and certification process, posing significant hurdles on the path to implementation. Pre-certified solutions that encompass hardware, software and processor connections help developers looking to integrate EMV payment acceptance into their applications save time and capital, while accelerating speed to market.”

According to Ingenico, the mPOS EMV SDK provides the following:

  • Developer-friendly toolkit, including iOS and Android libraries, SDK documentation, sample code and test applications.
  • Wide range of EMV-ready card readers, with support for EMV chip-and-sign, EMV chip-and-PIN, NFC and mag stripe in a variety of form factors.
  • EMV gateway, with connections to all major processors in the U.S., thus offering ISVs and their customers the flexibility to use the processor of their choice.
  • Future-proof solution, offering the ability to upgrade to new Ingenico Mobile Solutions readers as they emerge or support additional processors without having to re-certify.



The pressure on banks to modernize their payments capabilities to support initiatives such as ISO 20022 and instant/real time payments has been exacerbated by the emergence of COVID-19 and the compelling need to quickly scale operations due to the rapid growth of contactless payments, and subsequent increase in digitization. Given this new normal, the need for agility and optimization across the payments processing value chain is imperative.

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