Cloud EMV

This page provides an overview of Xplor Pay’s Cloud EMV solution and explains how it enables secure, cloud-based EMV payment processing for card-present payment scenarios, including but not limited to POS systems.

About Cloud EMV

The Xplor Pay’s Cloud EMV is a semi-integrated, cloud-based payment solution that enables point-of-sale (POS) systems to accept EMV card-present payments through a unified API. By embedding Cloud EMV APIs into your platform, you can support multiple payment terminals across various card-present environments without managing PCI DSS compliance or completing complex EMV security certifications. The Cloud EMV manages device communication and transaction processing through APIs.

Business challenges addressed

Integrating Cloud EMV card-present payments often requires applications to manage device-specific logic, certifications, and ongoing compliance obligations. Cloud EMV addresses these challenges by:

• Eliminating the need for applications to handle sensitive card data.
• Reducing PCI DSS compliance by isolating card entry and processing within certified terminals and cloud services.
• Removing the complexity of EMV certification and terminal-specific integrations.
• Simplifying terminal replacement and expansion without re-integrating at the application level.

Key capabilities

Cloud EMV provides the following core capabilities:

• Unified REST-based API integration for EMV card-present transactions.
• Support for multiple payment terminals through a single integration.
• Cloud-based routing of card data request between applications and payment device.
• Secure EMV and P2PE-compliant card data capture at the terminal.

Use cases

Cloud EMV is designed for the following scenarios:

• POS platforms and applications supporting multiple EMV payment terminals.
• Card-present payment solutions beyond regular POS environments.
• Software providers seeking a simplified, scalable EMV payment integration.
• Merchants requiring secure, card-present payment acceptance.
• Businesses looking to minimize PCI and EMV compliance overhead.

Cloud EMV Payment process flow

1

Initiate payment.

The client application sends a payment request to the Cloud EMV API.

2

Route card data request.

Cloud EMV services forward the card data request to cloud-based integration services associated with the payment terminal.

3

Activate payment terminal.

The payment terminal is activated to display payment services to the customer.

4

Capture card data.

The customer enters card details directly on the terminal.

5

Authorize transaction.

The application submits a transaction authorization request to the Cloud EMV API using the card data captured by the terminal.

6

Receive response.

Cloud EMV processes the transaction and returns the authorization response to the application.

Technical requirements

• Supported EMV payment terminals (PAX and Dejavoo devices)
• Integration with Cloud EMV APIs
• Supported EMV and P2PE compliant payment terminals

Related topics

• For a fast payment setup, see Cloud EMV.
• To configure your devices for payment processing, see Cloud EMV.