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for our ISV clients," he said. "We're excited to be partnering
with NMI on integrating this game-changing technology
into our card-present solution."

Broadly compatible software
Sherman noted that ChipDNA Cloud is supported on
Ingenico's family of EMV and contactless devices, which
includes the Lane 3000, 5000 and 7000 line of terminals, and
the solution is certified on TSYS, with more major processor
Simplified EMV and certifications planned in the fourth quarter of 2020.

NMI stated it provides multiple integration options,
comprehensive documentation and customized support
contactless integrations to software developers and device manufacturers. POS
terminal manufacturers can use the ChipDNA Direct API
MI, a payment card gateway and technol- to pre-equip terminals and make them compatible with
ogy company, added ChipDNA Cloud to its the NMI platform. Developers can test applications on
ChipDNA payments technology stack. The payment devices that are pre-certified by leading acquirers
N API solution is designed to simplify EMV and and compatible with NMI's SDKs, the company added.
contactless commerce integrations. ChipDNA Cloud is a
timely resource that can help independent software ven- Additional API documentation with integration examples
dors (ISVs), ISOs and merchants meet demand for secure, and a payment gateway integration guide are also available,
touchless commerce, stated Jennifer Sherman, senior vice Sherman noted.
president of product at NMI.
Seamless device integration
"Many merchants will need to overhaul their payment According to Sherman, the platform-agnostic ChipDNA
device strategy to support contactless card readers," Cloud API makes building EMV and contactless integrations
Sherman said. "For many software solution providers that as easy as offering online payments, unlike traditional
means new integrations, new SDKs, new drivers and new device integration that tends to require more time and
hassles." development resources; also, unlike other platform-specific
SDKs, developers and manufacturers can immediately
ChipDNA Cloud removes complexities from EMV and implement ChipDNA Cloud API across all projects. The
contactless integrations, she noted, adding that the solution universal API saves time and money by eliminating the
enables ISVs and ISOs to deliver a range of secure, in- need to build a separate version for each integration, she
person payment options to merchants who continually face added.
decisions that impact business continuity.

Diverse use cases When ISVs sell software to plumbers, health clubs or after-
school programs and want to enable payments, they can
In addition to enhancing new and existing business leverage NMI, which delivers payment components in
models, ChipDNA Cloud can expand options at the POS by ways that limit PCI scope, Sherman pointed out, adding
bringing together ecommerce and card-present options in that ChipDNA Cloud API and other NMI solutions are
retail spaces with minimal development efforts. ISOs can designed to make it easier to seamlessly embed card present
deploy the all-in-one solution with no development effort; payments within a software stack.
merchants can process payments without writing any code,
the company stated. "Any time that we make an enhancement or add new
functionality, you don't have to work to make it backwards
Steve Staden, senior vice president of product at Wind compatible with an existing API," Sherman said. "As a cloud
River Financial, found that ChipDNA was ready to based API, ChipDNA Cloud has much less complexity for
use out of the box, unlike other solutions that require software developers and terminal manufacturers, because
customized integration. "NMI's ChipDNA Cloud made they don't have to deal with local software on a device."
it easy for our clients to make that move by delivering
the EMV cloud solution that they've been asking for," Company: NMI
he said. "It eliminated the need for software installs on
every terminal that were previously required with SDKs." Product: ChipDNA Cloud

David Anderson, CEO at Preferred Payments, observed that Website: www.nmi.com
ChipDNA was simple to deploy and use. "ChipDNA Cloud Contact: hello@nmi.com
is anticipated to remove 80 percent of the issues that [have]
historically complicated the EMV payment implementation