SoftPOS Development Services
Turn any smartphone into a certified payment terminal. We design, build and integrate SoftPOS solutions for banks, acquirers and payment providers launching tap-to-phone acceptance without dedicated hardware. From SDK integration and mobile payment app development to certification support, we cover the full delivery cycle.
Our recognition
11+ years
of payment software expertise
700+ banks
use the solution we co-developed for our client
1M+ users
of payment solutions we helped deliver
What Is SoftPOS?
SoftPOS (Software Point of Sale) is a technology that turns a standard NFC-enabled smartphone or tablet into a contactless payment terminal. The merchant doesn’t need a card reader or any additional hardware. They accept payments directly on the device they already carry.
Customers pay by tapping a contactless card, Apple Pay, Google Pay or a wearable against the merchant’s phone. The transaction goes through a secure backend, gets authorised by the acquirer and settles like any other card-present payment. SoftPOS runs on any NFC-enabled Android phone regardless of manufacturer. On iPhone, the same capability is available through Apple’s Tap to Pay.
For banks and fintechs, SoftPOS opens a faster way to onboard merchants at scale. For retailers and service providers, it means accepting card payments at the counter, at the table, on the doorstep or in the field, without the cost and logistics of traditional terminals.
You might also hear it called Tap to Phone, Tap to Pay or mobile payment acceptance. The technology is the same: software does the job that used to require dedicated hardware.
SoftPOS SDK Development and Integration
Integrate a SoftPOS SDK into your existing banking, merchant or wallet app. We handle the technical integration, device compatibility testing and backend connectivity so your app gains contactless acceptance without building the payment kernel from scratch.
Custom SoftPOS Application Development
Build a branded or white-label merchant acceptance app to your own specifications and workflows. We develop the full application from NFC payment flow and transaction management to receipt generation and offline handling, all prepared for scheme certification.
Payment Gateway and Acquirer Integration
Connect your SoftPOS solution to payment gateways, acquirers and processing services. We handle EMV transaction flow, authorisation messaging, settlement and reconciliation across multiple acquirer connections.
Merchant Onboarding and Management Tooling
Develop the backend tools that make your SoftPOS operation scalable: merchant registration portals, terminal provisioning, KYC workflows, device management, reporting dashboards and analytics.
Transport and Ticketing Payment Integration
Extend SoftPOS capabilities into public transportation: contactless fare collection, mobile ticketing, NFC validation. We’ve been building payment and ticketing solutions for European transport operators for over a decade.
Certification and Compliance Support
Prepare your SoftPOS solution for PCI MPoC evaluation, EMVCo Level 3 functional certification and Visa Tap to Phone / Mastercard Tap on Phone scheme approval. We build to the standards and support you through the certification process.
SoftPOS SDK Development and Integration
Integrate a SoftPOS SDK into your existing banking, merchant or wallet app. We handle the technical integration, device compatibility testing and backend connectivity so your app gains contactless acceptance without building the payment kernel from scratch.
Custom SoftPOS Application Development
Build a branded or white-label merchant acceptance app to your own specifications and workflows. We develop the full application from NFC payment flow and transaction management to receipt generation and offline handling, all prepared for scheme certification.
Payment Gateway and Acquirer Integration
Connect your SoftPOS solution to payment gateways, acquirers and processing services. We handle EMV transaction flow, authorisation messaging, settlement and reconciliation across multiple acquirer connections.
Merchant Onboarding and Management Tooling
Develop the backend tools that make your SoftPOS operation scalable: merchant registration portals, terminal provisioning, KYC workflows, device management, reporting dashboards and analytics.
Transport and Ticketing Payment Integration
Extend SoftPOS capabilities into public transportation: contactless fare collection, mobile ticketing, NFC validation. We’ve been building payment and ticketing solutions for European transport operators for over a decade.
Certification and Compliance Support
Prepare your SoftPOS solution for PCI MPoC evaluation, EMVCo Level 3 functional certification and Visa Tap to Phone / Mastercard Tap on Phone scheme approval. We build to the standards and support you through the certification process.
Built for Security and Compliance
For us, it’s not only about software development; it’s about fostering lasting partnerships and co-creating innovative solutions that reshape payment processes. Our expertise spans various critical domains, guaranteeing the security, efficiency, and adaptability of your payment ecosystem.
PSD2 / SCA and GDPR
PCI MPoC
EMVCo Certification
Scheme Approval
Security Architecture
Strong Customer Authentication under PSD2 and data protection under GDPR apply to any payment solution operating in the EEA and UK. We build SoftPOS solutions with SCA flows and GDPR-compliant data handling from the start.
The current PCI standard for payment acceptance on commercial off-the-shelf devices. It supersedes the earlier CPoC and SPoC standards and covers both contactless and PIN-on-glass scenarios. We build SoftPOS solutions to meet MPoC requirements and support you through evaluation with accredited labs.
We prepare the solution and documentation needed to pass EMVCo Level 3 functional testing. Level 1 (hardware) is typically waived for SoftPOS.
Visa Tap to Phone and Mastercard Tap on Phone programmes define the rules for tap-to-phone payment acceptance. We build to scheme requirements and help you navigate the approval process.
SoftPOS runs on consumer devices, so all security lives in software and gets verified continuously from the cloud. Our solutions use device attestation and real-time monitoring, hardware-backed key storage, white-box cryptography, encrypted card data that only gets decrypted in a secure backend, and client certificates. PIN-on-glass where the transaction requires it.
Strong Customer Authentication under PSD2 and data protection under GDPR apply to any payment solution operating in the EEA and UK. We build SoftPOS solutions with SCA flows and GDPR-compliant data handling from the start.
The current PCI standard for payment acceptance on commercial off-the-shelf devices. It supersedes the earlier CPoC and SPoC standards and covers both contactless and PIN-on-glass scenarios. We build SoftPOS solutions to meet MPoC requirements and support you through evaluation with accredited labs.
We prepare the solution and documentation needed to pass EMVCo Level 3 functional testing. Level 1 (hardware) is typically waived for SoftPOS.
Visa Tap to Phone and Mastercard Tap on Phone programmes define the rules for tap-to-phone payment acceptance. We build to scheme requirements and help you navigate the approval process.
SoftPOS runs on consumer devices, so all security lives in software and gets verified continuously from the cloud. Our solutions use device attestation and real-time monitoring, hardware-backed key storage, white-box cryptography, encrypted card data that only gets decrypted in a secure backend, and client certificates. PIN-on-glass where the transaction requires it.
Industries That Benefit the Most from SoftPOS
Secure and scalable payment infrastructure is a staple for every company across industries. Edvantis’ technical expertise and tested software delivery frameworks can complement your domain knowledge to result in new payment software solutions. We have co-created payment software solutions for the following industries:
Fintech
Leisure & Hospitality
Retail & Wholesale
Delivery & Field Services
Food & Restaurants
Public Transportation
Health & Wellness
Ready to build your SoftPOS solution?
SoftPOS Solution Architecture
Why three pieces?
- COTS hardware is not payment-certified, so security must be added in software (SDK) and verified in the cloud (A&M).
- Card data is encrypted on-device, decrypted only in an HSM. Never in clear text on the phone.
- A&M checks every transaction for a genuine, unmodified app on a healthy (non-rooted, non-emulated) device.
How a SoftPOS Transaction Works
A SoftPOS payment runs on the merchant’s own phone, with no separate card reader. Here’s what happens from the moment a customer taps to the moment the sale is confirmed.
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01Tap
The customer taps a contactless card, Apple Pay, Google Pay, or a wearable on the merchant’s device. There’s no separate terminal or card reader involved. An everyday smartphone or tablet handles the payment on its own.
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02Read and Encrypt
The app reads the card over NFC and encrypts the details right there on the device. The card data is protected from the first moment, so it never sits in clear text on the phone. Only the encrypted version moves any further.
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03Check the Device
The encrypted data goes to the attestation and monitoring backend, which confirms the app is genuine and the device hasn’t been tampered with — not rooted, not emulated. This check runs on every single transaction. It’s the layer that lets a regular phone be trusted with card payments under the PCI MPoC standard.
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04Send for Authorisation
The transaction passes through the payment gateway to the acquirer for authorisation. This is the same rail any card payment runs on. Moving acceptance onto a phone doesn’t change how the money side works.
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05Approve or Decline
The acquirer approves or declines the transaction and sends the answer back. The whole round trip takes a moment.
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06Show the Result
The merchant sees the outcome on screen within seconds. A digital receipt can go straight to the customer, with no paper involved.
Our longest payment clients have been with us for over a decade. That doesn’t happen if you just write code and hand it over. We stay close to the product and grow with the client.
Nazariy Hudz
Account Manager, Edvantis
How Edvantis Co-created Connected Ticketing and Payment Device for Stockholm Public Transport
SL runs public transport across Stockholm County and moves around 900,000 passengers a day. Its conductors needed one handheld that could sell tickets, validate them, and take card payments. SL already worked with Modulsystem, a leading Scandinavian ticketing and payment provider, and after a full evaluation chose Edvantis to build it.
We built the POS app on a Famoco Android device, integrated a PCI-certified Ingenico payment application for secure card transactions, and connected everything into SL Access, SL’s existing ticketing infrastructure. We worked directly with Famoco to tune the device firmware and with Ingenico on the payment layer.
Working with Modulsystem, we:
- Established point-of-sale and card payment capabilities on a standard Android device
- Enabled contactless acceptance over NFC for EMV bank cards, white-label tickets, and Aztec codes
- Validated optical and EMV-based tickets to MTT standards, with the device doubling as an e-ticketing machine
- Integrated third-party applications that widened what the device can do for conductors and passengers
The architecture stayed flexible enough for other operators to adopt, and the same BKU solution later rolled out to WÅAB, which runs seaborne public transport across the Stockholm archipelago and harbor.
Payment Domain Expertise
Over a decade of building payment software, from POS software development and payment gateways to ticketing systems and NFC-based acceptance. We know EMV, acquirer integration and PCI compliance from the inside.
Proven Success Stories
We have collaborated on projects that have improved the financial industry – from creating credit management platforms to helping digital insurance marketplaces grow. Explore our portfolio to see how we’ve made a difference.
Best Payment Software Talent
We grant you access to top-tier talent, encompassing Lead and Principal Developers, alongside Senior UX Designers specializing in the industry. This ensures you have the experts you need to meet the demands of your payment solution.
Robust Security Measures
To uphold the highest standards, we adhere to stringent security measures and certifications, including PCI SSF and ISO 27001, underscoring unwavering commitment to data security and regulatory compliance.
Flexibity and Scalability
Flexibility is a key factor in your ability to thrive in the ever-changing payment landscape. Our solutions are intentionally designed to be adaptable and scalable to accommodate the evolving demands of your business.
Payment Domain Expertise
Over a decade of building payment software, from POS software development and payment gateways to ticketing systems and NFC-based acceptance. We know EMV, acquirer integration and PCI compliance from the inside.
Proven Success Stories
We have collaborated on projects that have improved the financial industry – from creating credit management platforms to helping digital insurance marketplaces grow. Explore our portfolio to see how we’ve made a difference.
Best Payment Software Talent
We grant you access to top-tier talent, encompassing Lead and Principal Developers, alongside Senior UX Designers specializing in the industry. This ensures you have the experts you need to meet the demands of your payment solution.
Robust Security Measures
To uphold the highest standards, we adhere to stringent security measures and certifications, including PCI SSF and ISO 27001, underscoring unwavering commitment to data security and regulatory compliance.
Flexibity and Scalability
Flexibility is a key factor in your ability to thrive in the ever-changing payment landscape. Our solutions are intentionally designed to be adaptable and scalable to accommodate the evolving demands of your business.
Our Cooperation Process and Stages
Our payment software development services empower you with the knowledge to make the best decisions. We follow a transparent process in our approach to new partnerships:
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01Pre-engagement
Before the journey begins, we delve into the intricacies of your project, conducting a thorough analysis to understand your unique business challenges.
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02Proposal
We propose a comprehensive plan for optimal results, tailored to your specific needs. This includes a detailed cooperation model, outlining how we align our payment expertise with your vision.
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03Engagement Kick-off
We formalize our joint commitment to the proposed payment software solution, putting agreements in place, and aligning our strategies for a successful partnership.
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04Co-creation
As trusted partners, we co-create your custom payment product. Our software experts collaborate closely with your team and develop an innovative solution.
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05Delivery
Our efforts culminate in the delivery of a cutting-edge payment software solution. We focus on enhancing your financial operations, utilizing rigorous testing to deliver seamless integration.
What Our Clients Say
They have a strong work ethic, they were committed to the deliverables, and they took it very seriously.
Edvantis has been instrumental in most of our key deliverables for the past decade and are the only vendor that has established themselves as a strategic partner.
Edvantis has been able to cope with our demands in a short time. They’ve raised the right questions, which means they know what they’re talking about.
Edvantis has intelligent people on board, competent and ready to get the job done. Their professionalism and approach has made for a good experience thus far.
It’s hard to find a staffing company that’s willing to deliver a smooth partnership on top of assuring that you always work with high-quality resources.
Edvantis helped in the digitalization part of our products. They are willing to do overtime if necessary, so we were able to meet every timeline.
Edvantis quickly put together a comprehensive, multi-disciplined team and we were defining the initial deliverables within a week of the request.
Edvantis is always friendly and listens well. We also have good communication with management. We’re happy to partner with them.
We found them to be credible and highly technically competent. They helped us with all of our features, working alongside our existing engineering team.
We’ve created a good partnership and I try to refer others to them. We haven’t faced any of the pitfalls associated with an overseas team.
Edvantis is a PARTNER — not a vendor. I started very early with Edvantis and was impressed with the depth of talent and the individual commitment by the CEO.
There doesn’t seem to be anything they can’t do. This is extremely valuable to us in our relationship. It feels like a partnership.
Edvantis has excellent engineers, which our engineer could learn from (particularly with test framework selection).
The level of communication sets them apart. We’ve had great cooperation through the entire history of our working with them. Our relationship has been highly successful.
Edvantis succeeds where others fail. We were getting nowhere with our previous vendor, and Edvantis turned things around in no time flat.
Their ability to listen carefully to our requirements and to bring top-level development talent, testers, and project managers was very impressive and unique.
Adding the Edvantis team was a natural extension for us and they connected right into our existing workflows and communication tools.
Demonstrated a strong work pace and exceptional dedication, reflected in highly successful outcomes and an outstanding volume of deliverables.
Everything was delivered on time and with high quality. We successfully migrated to a new database version and architecture.
Drop Us a Line
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Edvantis is always friendly and listens well. We also have good communication with management. We’re happy to partner with them.
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Frequently Asked Questions About SoftPOS Development
What is SoftPOS and how does it work?
SoftPOS turns an NFC-enabled smartphone or tablet into a contactless payment terminal. The merchant app reads a contactless card or digital wallet via NFC, the transaction data is encrypted and sent to a secure backend, and the payment is authorised and settled through the acquirer. Same as a traditional card-present transaction, just without the dedicated terminal hardware.
What is the difference between SoftPOS and a traditional POS terminal?
A traditional POS terminal is a dedicated hardware device built specifically for payment acceptance. SoftPOS takes a different approach: the payment acceptance capability runs as an app on a standard commercial smartphone or tablet. That removes the cost of hardware procurement, distribution and maintenance.
Which devices support SoftPOS?
SoftPOS runs on NFC-enabled Android devices (typically Android 8.0 and above). Apple supports a similar capability through Tap to Pay on iPhone, available to developers through supported payment service providers.
What certifications does a SoftPOS solution need?
A production SoftPOS solution typically requires PCI MPoC compliance (the current standard, replacing the earlier CPoC and SPoC standards), EMVCo Level 3 functional certification, and approval under Visa Tap to Phone and Mastercard Tap on Phone programmes. Specific requirements depend on the acquiring partner and target markets.
Can you integrate SoftPOS into our existing banking or merchant app?
Yes. SoftPOS SDK integration into an existing app is one of our core services. We handle the technical integration, device compatibility, backend connectivity and help prepare the solution for certification.
How long does it take to build and certify a SoftPOS solution?
Timelines vary depending on scope. An SDK integration into an existing app can take a few months. A full custom SoftPOS application with backend, merchant portal and certification can take 6 to 12 months. Certification timelines depend on the schemes and labs involved.
Do you build SoftPOS solutions for public transportation?
Yes. We have over a decade of experience building payment and ticketing solutions for European public transport operators, including NFC-based contactless fare collection, mobile ticketing and POS systems for conductors and validators.
What cooperation models do you offer?
We offer staff augmentation, dedicated managed teams, fixed-price project delivery, technology consulting and digital transformation engagements. The right model depends on your project scope, timeline and existing team.
What security standards do you follow?
Edvantis is ISO 27001 certified (TÜV SÜD). For payment projects, we build to PCI SSF, PCI MPoC and EMV standards. Our solutions use hardware-backed key storage, encrypted card data handling, device attestation and real-time monitoring.
How do I get started?
Get in touch through the form on this page or email us at engagement@edvantis.com. We start with a discovery conversation to understand your goals, target devices, schemes and acquirers, and then scope a solution together.