The rise of SoftPOS solutions is transforming the payments landscape, with the market projected to reach $1,24 billion[1] by 2030. As merchants increasingly adopt Commercial Off-The-Shelf (COTS) devices like smartphones and tablets for payment acceptance, ensuring robust security has never been more critical.
At Amadis, we provide an EMV Level 2 stack that is fully MPoC-ready, meeting the stringent requirements of the PCI Mobile Payments on COTS (MPoC) standard to enable secure, compliant SoftPOS solutions.
Understanding PCI MPoC
PCI MPoC is the global security standard that enables payment acceptance on commercial mobile devices. Building on the existing PCI SPoC and PCI CPoC standards, MPoC provides a modular, objective-based framework for developing secure payment solutions that accept both PIN and contactless payments on the same COTS device.
Unlike traditional PCI-PTS terminals with hardware-based security, SoftPOS solutions must implement software-based security mechanisms to protect sensitive cardholder data. This is where the EMV Level 2 stack plays a critical role.
Why the EMV Level 2 Stack is Critical for MPoC Compliance
The EMV Level 2 stack sits at the heart of any payment acceptance solution. It handles the complex communication between credit cards and the payment acceptance devices, managing:
- Contactless card processing through certified kernels (Visa, Mastercard, Amex, Discover, JCB, UnionPay, and more)
- Transaction flow management via the Entry Point
- Standardized interfaces between Level 2 and Level 3 components
- Scheme compliance with evolving specifications from payment networks
For MPoC certification, the Level 2 stack must meet specific security requirements, including code protection mechanisms, secure data handling, and rigorous testing against scheme specifications.
Amadis EMV Level 2 Stack: Built for MPoC Compliance
Our Agnos for CoTS solution delivers a complete, MPoC-ready EMV Level 2 stack that enables you to build certified SoftPOS solutions with confidence.
Our Level 2 stack is designed to meet the core MPoC security requirements:
- Code Protection: Delivered in protected object code format with advanced obfuscation techniques that comply with MPoC specifications, including code protection methods required by the standard.
- Secure Architecture: Built with secure coding practices and rigorous security controls to protect sensitive payment data throughout the transaction lifecycle.
- Continuous Maintenance: Corrective and evolutive maintenance ensure you that our L2 stack remains compliant as MPoC requirements evolve and payment schemes update their specifications.
- Certification Effort: We continuously work with the key players in the ecosystem (testing tool vendors and payment schemes) to maintain alignment with the latest requirements (functional, performance and interoperability), eliminating your need to undergo the L2 certification burden.
Key Benefits for SoftPOS Solution Providers
Faster Time to Market
Our MPoC-ready L2 stack eliminates months (if not years) of development effort. Integration typically takes 1-2 months for the core stack and up to 2 weeks per kernel.
Reduced Certification Complexity
Leverage our Level 2 Letters of Approval (LOAs) to avoid running any L2 testing and certification as part of your MPoC certification journey.
Global Market Coverage
With the Amadis’ world's largest library of contactless kernels, you can launch in multiple markets and support diverse payment schemes from day one.
Expert Support
Access to our EMV experts, technical documentation, and integration support throughout your certification journey.
Ready to Build Your MPoC Solution?
The SoftPOS opportunity is here, and security is non-negotiable. With Amadis's MPoC-ready EMV Level 2 stack, you can accelerate your go-to-market while ensuring full compliance with PCI MPoC requirements.
Interested in leveraging our MPoC-ready EMV Level 2 stack for your SoftPOS solution? Contact our team to discuss your project requirements, receive technical documentation, and explore how we can accelerate your path to market.
Download our whiter paper releases along with Keysight here.
[1] https://www.grandviewresearch.com/press-release/global-softpos-market (April 2025)
