Fully Featured Contactless EMV Kernel

Contactless.LIB is designed specifically for terminal manufacturers and payment software developers wishing to add NFC and contactless card support to their payment applications such as Visa payWave qVSDC, MasterCard & Maestro  Contactless, American Express ExpressPay, Discover ZIP, and Visa payWave Asia Pacific.

Key Highlights

  • Very small memory footprint, stack and resource utilization
  • Specific optimizations for smaller 8 and 16 bit CPUs
  • Hardware Abstraction Layer (HAL) enables easy integration into target platform
  • Endian indifferent
  • Caters for older compiler quirks such as short variable and function names
  • Highly optimized to comply with the timing constraints for contactless transactions
  • Runs on a wide variety of Chipsets including Maxim 32550 (Lighthouse) and Freescale K21

Flexible EMV Contactless Kernel

The Contactless Kernel has been developed in strict ANSI C, with all of the hardware and operating system specific functionality abstracted away from the core functions, through the use of a HAL (Hardware Abstraction Layer). This means that the Kernel can be ported to virtually any environment for which there is a suitable C compiler, whether it is adding contactless support to an existing embedded system running a proprietary operating system, or a new PC-based solution running the latest version of Windows.

The HAL contains a number of empty functions; each function deals with an element of contactless processing that cannot be addressed in a manner that is platform independent. Once these functions have been populated, the Kernel can be compiled for the target platform. The resulting object code can be linked with the payment application to create a fully functional contactless solution compliant with all necessary industry requirements.

Contactless Supported Features

Contactless.LIB supports a variety of data authentication, configuration, CVM methods and other special features within the contactless specifications.

Supported Card Schemes

MasterCard Contactless (Version 3.0.2) for M/Chip and M/Stripe cards
Visa payWave VCPS (Version 2.1.3) for qVSDC and MSD cards
Visa payWave Asia Pacific (Version 3.1.3) for Wave 2 cards
American Express ExpressPay (Version 3.0)
Discover ZIP (Version 3.1.2)
Discover DPAS (Version 1.0)

Data Authentication Methods

Visa payWave fast Dynamic Data Authentication (fDDA)

MasterCard and Maestro Contactless SDA and CDA

American Express ExpressPay SDA and CDA

Discover DPAS CDA

Terminal Configuration

Online Only, Offline with Online capability, and Offline Only

Acquirer Interfaces

Authorization Request, Financial Transaction Request, Batch Data Capture, Online Data Capture

Cardholder Verification Methods

Online Enciphered PIN, Signature, No CVM, Fail CVM and Mobile Device CVM


Certificate Revocation, Exception Lists