Let's Talk ! 
954 342 5676 
+44 137 243 2466
Most organizations don’t have a payments problem—they have a security and fraud exposure gap. We help enterprises modernize EMV payment processing systems that protect cardholder data, reduce counterfeit fraud, and deliver fast, reliable payment experiences across physical and digital channels.
We provide end-to-end EMV migration services including EMV compliant software programming, testing, and validation for POS terminals, ATMs, smartphone card readers, and self-service payment kiosks with features for offline authorization and batch processing.
We deliver seamless and secure integrations with your existing payment gateway systems and third-party APIs to facilitate out-of-scope payments such as EBT Food, EBT Cash, EMV chip cards, ACH, and more.
Our developers create EMV chip card systems that contain single-use transaction codes, communicate with any POS device or contactless terminal, and contain HSM API’s for securely processing chip authorization and storing cryptographic keys.
We develop intuitive payment interfaces for in-person payments using mag-stripe and EMV chip-and-pin/sign, as well as contactless payment interfaces according to ISO7816 (contact), ISO14443 (contactless), and Payment Card Industry PIN Entry Device (PCI PED) standards.
We build EMV Level 1/Level 2/Level 3, EMV Level 2 Kernels, and PCI PTS 3.x/4.x certified card reader writer interface solutions including Verifone VX/MX/UX series, Ingenico iPP/iCT/iSC/iWL series, and iSelf iUP/iUR/iUC series.
We test and certify with MasterCard Terminal Integration Process, Terminal Quality Management, Visa Acquirer Device Validation Toolkit, Discover D-Payment Application Specification, American Express Integrated Circuit Card Payment Specification, and more.
Our custom solutions enable highly secure, reliable, and easy payments for any processing platform and are equipped with advanced features that benefit both merchants and consumers.
We integrate EMV software with mobile, Bluetooth, and USB connectivity, integrate EMV ISO 8583 with payment gateways, certify Mastercard, Visa, Discover, and American Express with UL Collis BTT, and offer roll out services with VeriCentre (Verifone) and IngEstate (Ingenico).
We implement contactless EMV cards to enable fast and easy tap-and-go payments with powerful antennae to transmit necessary data at the same high level of security as a chip reader, allowing businesses to increase revenue by enhancing their customer experience.
We create custom mobile payment solutions for P2P payments using debit cards, credit cards, mobile wallets, bank accounts, and more for Android, iOS, and Windows Mobile platforms empowered by near field communication (NFC) technology.
Our solutions can be seamlessly and invisibly integrated into a wide range of wearable devices with support for payment card tokenization features and the ability to sync with a mobile application for remote activation and deactivation.
We implement NFC technology in order to secure mobile devices as virtual wallets that enable customers to make payments, store payment information, access loyalty rewards and coupons, request and send money to others, make bank transfers, and more.
The AI-based models can detect the fraud patterns and anomalies focusing on the transaction data, and real-time decision-making is achieved which guarantees the safe financial functions.
Our expert developers leverage AI to assess EMV transaction risk by analyzing historical data, customer behavior, location intelligence, and spending patterns—enabling proactive fraud evaluation and adaptive security responses.
Combine AI-driven fraud detection to upstream risk evaluation, anomaly detection, and stop fraudulent payments throughout your payment system.
Use smart fraud detection software to track transaction patterns, detect anomalies and bolster real-time risk prevention throughout your payment infrastructure.
Use advanced deep learning models to analyze high-volume transaction data in real time and uncover complex fraud patterns beyond traditional rule-based systems.
Introduce AI-enhanced optimization of transactions to process historical data and behavioral patterns and enhance efficiency of the systems in terms of processing rate, accuracy and the general efficiency of the system.
Integrate AI-powered chatbots and virtual assistants to enhance customer engagement, automate support interactions, and deliver personalized experiences across digital channels.
Deploy AI-assisted biometric authentication so as to enhance the security of EMV transactions and provide quick and smooth user authentication tasks.
We program tokenization features that enable you to securely offer card-on-file billing, scheduled payments, and membership models as well as capture repeat sales without re-entering information by replacing cardholder data with non-sensitive tokens.
Our point-to-point encryption (P2PE) features allow you to remove cardholder data from your software and protect it from fraud and hackers by securing the data at the point of entry whether it’s manual key-entry, card-swipe, or insert.
We implement features for real-time reporting and transaction processing that allow for real-time authorization and capture reporting, recurring billing, settlement and chargeback reporting, and access to billing statements through a single-sign-on virtual portal.
Our solutions are equipped with features to automate the check cashing process by allowing for businesses to accept eCheck payments and electronically transfer funds directly into customers’ bank accounts as well as create Remotely Created Check (RCC) images.
Our custom EMV features ensure complete compliance with The Payment Card Data Security Standard (PCI-DSS) to protect your organization when taking payments from all major card companies including Visa, MasterCard, Amex, Discover, and JCB.
We program custom features that allow you to accept online payments from anywhere around the globe and integrate your payment processing software with multi-currency payment processors in order to accept payments in foreign currencies.
Ensure seamless, secure, and compliant transaction experiences with proactive EMV monitoring, optimization, and expert technical assistance.
Proactive EMV system monitoring and performance optimization
Real-time troubleshooting for contactless and chip transactions
Firmware updates and security patch management
Secure tokenization setup and payment data protection
Fraud detection configuration with risk-based authentication
Ongoing compliance support and transaction security enhancements
Designed and upgraded a custom EMV payment software solution for a transportation in-vehicle technology provider to modernize legacy POS systems.
Enabled secure acceptance of mag-stripe, EMV chip, and contactless payments by implementing ISO-compliant EMV terminals with certified payment processor integration.
Built support for offline batch processing, mobile connectivity, and encrypted transactions to ensure reliable, fraud-resistant payments in low-connectivity transportation environments.
“The custom EMV payment software solution transformed our POS offerings for transportation operators. We were able to deliver secure, compliant, and flexible payment acceptance while protecting our customers from EMV liability and fraud—without disrupting their daily operations.”
Developed a custom EMV payment terminal application for a parking solutions provider, enabling secure mag-stripe, EMV chip, and contactless transactions on Ingenico devices.
Integrated Ingenico payment terminals with First Data payment processing, creating a semi-integrated solution that seamlessly connects parking kiosks with certified EMV transaction workflows.
Programmed terminal-side UI flows, AIDs, and transaction commands using .NET and RBA technology to securely capture and transmit card data to the kiosk system for authorization.
Ensured PCI and EMV compliance while delivering a reliable, fast, and accurate payment experience tailored specifically for unattended parking and kiosk-based environments.
“Chetu’s custom EMV payment software enabled us to modernize our parking payment infrastructure with secure, compliant, and reliable transaction processing. The seamless integration between our kiosks, Ingenico terminals, and First Data processor has significantly improved payment accuracy and operational efficiency.”
“Chetu’s custom EMV payment software helped us modernize our legacy payment infrastructure while ensuring full PCI and EMV compliance. The solution integrated seamlessly with our hardware and payment processor.”
- Director of Product Engineering, Parking Solutions
“Their expertise in EMV, contactless, and processor integrations made a complex implementation feel effortless. We now deliver faster, more secure transactions across all our unattended payment systems.”
- VP of Technology, Transportation Services
“With Chetu’s EMV payment solutions, we significantly reduced transaction risk and gained a scalable platform that supports future payment technologies without disruption.”
- Head of IT Operations, Smart Mobility Solutions
Our EMV practice delivers a comprehensive payment framework that unifies security, compliance, transaction processing, and reporting. By eliminating silos and standardizing workflows, we ensure fraud reduction, audit readiness, and scalable growth.
EMV software development is focused on the development of computer applications that deal with and secure transactions involving EMV chip cards. In other words, it includes creating software to automate debit and credit card transactions at payment terminals, ATMs, and many other devices used to process and protect EMV transactions.
Yes, EMV software facilitates contactless payments. It can be done through Near Field Communication (NFC) technology for ‘tap to pay‘ capability with contactless chip cards and mobile devices. This technology is particularly supported by EMV Contactless Chip for in-store payments, allowing users to make payments without physically inserting their card into a terminal.
The EMV-compliant software protects transactions that utilize EMV chip-enabled cards through improved fraud protection and compliance functions. Data encryption, fraud detection, and regular security updates are important considerations for ensuring alignment with the EMV standards that change from time to time.
There is a main AI application regarding the EMV systems that participates in fraud detection and evaluation of the risk to transaction data by determining patterns and stopping fraudulent actions. Moreover, AI contributes to the custom payment experience, streamlines payment processes, and enhances payment security in the EMV payments environment.
Privacy Policy | Legal Policy | Careers | Sitemap | Referral | Contact Us
Copyright © 2000- 2026 Chetu Inc. All Rights Reserved.
