mPOS: changing the card payments industry

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The paper is a ‘how to’ guide to mPOS functional and security testing to ensure solutions are brought to market successfully and efficiently.

It delivers recommendations on how an mPOS solution can be successfully brought to market by having a full understanding of the functional compliance and security testing process.

The document analyses how mPOS terminals are revolutionising the payment acceptance infrastructure, before highlighting how the features that make devices portable and convenient also create challenges when readying them to accept payments.

It goes on to detail a number of requirements that the payments market is currently adopting in order to achieve a unified and global approach. This will not only ensure worldwide interoperability, which is something the payment community is striving for, but also helps to reduce the commercial cost of product development.

Table of contents

  1. The mPOS earthquake
  2. Structure and testing of an mPOS terminal
  3. Functional testing
  4. Security testing
  5. Security testing process
  6. How to successfully bring your mPOS solution to market?



The authors

Christian DAMOUR

Security Business Line Manager at FIME and Chair of TEE Attack Experts Working Group.

He attends and contributes to GlobalPlatform Card Security and TEE Security Working Groups.

Stéphanie EL RHOMRI

NFC & Payments Vendor Business Line Manager at FIME

She is Chair of the GlobalPlatform Device Compliance Program Working Group and she has also recently been elected to the Board of Advisors for EMVCo.

Nigel REAVLEY

Vendors Sales Manager at FIME

He has a deep knowledge of the terminal payment sector.

Dawn ADAMS

CST and PA Lab Manager at EWA-Canada

She became the Payment Assurance Lab Manager in 2010.