Launching mobile payments: A fast and frictionless approach for ISVs

The rapid adoption of mobile payments has transformed the landscape for independent software vendors (ISVs). According to a report by Statista, the mobile POS payments market is projected to experience substantial growth in the coming years.  Merchants are increasingly demanding flexible and efficient payment solutions, compelling ISVs to integrate advanced mobile payment capabilities into their software. The ability to offer secure and rapid payment processing has become a competitive advantage.

However, integrating mobile EMV payments, which are transactions using chip-enabled cards or contactless technology to enhance security, is not an easy task. Traditionally, integrating these capabilities involved significant investments of time and resources, often requiring lengthy development efforts. 

Therefore, in order to launch mobile payments swiftly and smoothly, ISVs should focus on several critical areas.

Leveraging pre-certified SDKs

One of the primary challenges ISVs face is the complexity of EMV certifications, particularly Level 3 EMV certification, which can be a time-consuming and costly task. A solution to this challenge is the use of pre-certified SDKs.

A pre-certified SDK (Software Development Kit) provides a set of tools, libraries, documentation, and code samples that have already been rigorously tested and certified to meet industry standards, including EMV. By utilizing such SDKs, ISVs can bypass the lengthy certification process, significantly reducing time-to-market and development costs.

Merchant flexibility and security

Merchant flexibility is another crucial consideration. ISVs need to provide multiple payment options, such as support for various card readers and mobile tap-to-pay technologies. This allows merchants to accept payments on a range of devices, including smartphones, offering greater convenience.

Security is equally crucial. ISVs must ensure that transaction data is protected from capture to processing. Employing point-to-point encryption and adopting semi-integrated approaches can help mitigate security risks and reduce the scope of PCI compliance. ISVs should prioritize solutions that offer robust security features to build trust with their merchants.

Providing comprehensive support

Beyond the technical aspects of integration, comprehensive support is crucial. Access to dedicated resources, such as solution engineers and implementation teams, can facilitate a smoother integration process. This support ensures that ISVs can effectively implement and manage mobile payment capabilities, minimizing disruptions and maximizing benefits.

Providing detailed documentation, developer resources, and readily available support can empower ISVs to confidently navigate the complexities of mobile payment integration.

A strategic approach

In conclusion, navigating the complexities of mobile payment integration requires a strategic approach. ISVs should focus on seeking solutions that provide pre-certified SDKs, help ensure merchant flexibility and security, prioritize comprehensive support, and adapt to evolving trends. With solutions such as DPP (Deluxe Payment Platform), which provides these capabilities, ISVs can effectively meet the needs of their merchants. The ability to offer seamless and secure mobile payment capabilities is a key driver of merchant success in today's dynamic market.