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EMV Level 2 contactless payment acceptance SDK for Android.

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Overview

This SDK enables Android devices with NFC capability to accept contactless payments. It implements the EMV contactless specifications for card reading, authentication, and cryptogram generation.
Note: Production use requires EMV L2 certification from Visa, Mastercard, and other card networks.

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Architecture

┌─────────────────────────────────────────────────────────────┐
│                    AtlasSoftPos (SDK Facade)                │
├─────────────────────────────────────────────────────────────┤
│                      Entry Point                            │
│         (PPSE Selection, AID Matching, Kernel Routing)      │
├──────────────┬──────────────┬──────────────┬───────────────┤
│ Visa Kernel  │   MC Kernel  │ Amex Kernel  │ Discover      │
│  (payWave)   │  (PayPass)   │ (ExpressPay) │  (D-PAS)      │
├──────────────┴──────────────┴──────────────┴───────────────┤
│                    Core Components                          │
│        TLV Parser  │  APDU Framework  │  Crypto Utils      │
├─────────────────────────────────────────────────────────────┤
│                  NFC Card Reader                            │
│              (Android NFC / IsoDep)                         │
└─────────────────────────────────────────────────────────────┘

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Requirements

  • Android 8.0+ (API 26+)
  • NFC capability (IsoDep support)
  • For production: EMVCo L1 certified NFC antenna
  • Samsung Galaxy Tab Active Pro (EMVCo L1 certified)
  • Samsung Galaxy Tab Active 3/4
  • Purpose-built payment devices

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Installation

dependencies {
    implementation 'com.atlas:softpos-sdk:1.0.0'
}

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Basic Usage

class PaymentActivity : AppCompatActivity() {

    private lateinit var softPos: AtlasSoftPos

    override fun onCreate(savedInstanceState: Bundle?) {
        super.onCreate(savedInstanceState)

        // Initialize SDK
        softPos = AtlasSoftPos.Builder(this)
            .setMerchantId("MERCHANT123456789")
            .setTerminalId("TERM0001")
            .setCvmRequiredLimit(2500)  // $25.00 CVM limit
            .build()
    }

    fun startPayment(amountCents: Long) {
        softPos.startTransaction(
            amount = amountCents,
            type = TransactionType.PURCHASE,
            callback = object : TransactionCallback {
                override fun onWaitingForCard() {
                    showUI("Tap card to pay")
                }

                override fun onCardDetected() {
                    showUI("Processing...")
                }

                override fun onResult(result: TransactionResult) {
                    when (result) {
                        is TransactionResult.OnlineRequired -> {
                            // Send to acquirer
                            sendToAcquirer(result.authorizationRequest)
                        }
                        is TransactionResult.Approved -> {
                            showUI("Approved")
                        }
                        is TransactionResult.Declined -> {
                            showUI("Declined: ${result.reason}")
                        }
                        is TransactionResult.Error -> {
                            showUI("Error: ${result.message}")
                        }
                    }
                }

                override fun onError(error: TransactionError) {
                    showUI("Error: $error")
                }

                override fun onCancelled() {
                    showUI("Cancelled")
                }
            }
        )
    }

    override fun onResume() {
        super.onResume()
        softPos.onResume()
    }

    override fun onPause() {
        super.onPause()
        softPos.onPause()
    }
}

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Authorization Request

The AuthorizationRequest object contains all EMV data needed for online authorization: 
data class AuthorizationRequest(
    val pan: String,                    // Primary Account Number
    val track2Equivalent: String,       // Track 2 data
    val expiryDate: String,            // YYMM format
    val applicationCryptogram: String,  // AC (ARQC/TC)
    val cryptogramInfoData: String,     // Cryptogram type indicator
    val atc: String,                    // Application Transaction Counter
    val issuerApplicationData: String,  // IAD
    val terminalVerificationResults: String,  // TVR
    val cvmResults: String,            // CVM Results
    val amountAuthorized: String,      // Amount
    val transactionDate: String,       // YYMMDD
    val unpredictableNumber: String,   // UN
    val aip: String,                   // Application Interchange Profile
    val aid: String,                   // Application Identifier
)
Send this to your payment processor/acquirer for authorization.

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Supported Card Networks

NetworkStatusKernel
Visa✅ ImplementedqVSDC
Mastercard🚧 In ProgressPayPass M/Chip
American Express🚧 PlannedExpressPay
Discover🚧 PlannedD-PAS
JCB🚧 PlannedJ/Speedy

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EMV Certification Path

To deploy in production:
  1. Visa Ready Tap to Phone - Apply at partner.visa.com
  2. Mastercard TQM - Terminal Quality Management certification
  3. PCI MPoC - Mobile Payments on COTS security evaluation
  4. EMVCo L1 - Device-level NFC certification

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Testing

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Unit Tests

./gradlew :softpos-sdk:test

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Test Cards

Use EMV test cards from:
  • Visa VTS (Visa Test System)
  • Mastercard MTIP
  • Physical test cards from card network certification programs

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Security Considerations

  • Card data is processed in memory only
  • PAN is never stored on device
  • Cryptograms are single-use
  • All sensitive data is cleared after transaction

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Integration with Atlas

Send the authorization request to Atlas for processing: 
override fun onResult(result: TransactionResult) {
    when (result) {
        is TransactionResult.OnlineRequired -> {
            // Send to Atlas API
            val response = atlasApi.processAuthorization(
                sessionId = currentSession.id,
                authRequest = result.authorizationRequest
            )

            // Complete transaction based on response
            softPos.completeTransaction(response.approved)
        }
    }
}