NMI (formerly Creditcall) is the world’s leading provider of EMV technology offering a wide range of reliable and secure EMV Level 1 and EMV Level 2 software solutions.

EMV Level 1 Software Library


for embedded systems

EMVL1.LIB gives a fast track route to EMV Level 1 compliance thanks to a code compact, portable, software solution for the implementation of terminal requirements of EMV Book 1 (Version 4.3) and the smart card interface requirements of ISO 7816. Developed in strict ANSI C, the library is fully tested and ready for a formal certification in your design. Read more [+]

EMV Level 2 Kernels


for Windows & Windows CE


for embedded platforms


for Java based applicatins


for contactless payments

A fully featured EMV Level 2 Software Kernel for Windows and Windows CE based platforms with broad support for popular PIN pads. Read more [+]

A fully featured lightweight EMV Level 2 Software Kernel developed in strict ANSI C specifically for Embedded platforms. Read more [+]


Add EMV Chip and PIN or Chip and Signature functionality to any Java Virtual Machine. Read more [+]



A fully featured contactless EMV Kernel, allowing terminal developers to provide acceptance of Visa payWave and MasterCard PayPass cards. Read more [+]

Custom built EMV Solutions

If you require a more tailored solution, please get in touch with us directly to discuss your EMV software integration requirements. Read More [+]