# 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 <a href="#productoverview-cloudemv-aboutcloudemv" id="productoverview-cloudemv-aboutcloudemv"></a>

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 <a href="#productoverview-cloudemv-businesschallengesaddressed" id="productoverview-cloudemv-businesschallengesaddressed"></a>

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 <a href="#productoverview-cloudemv-keycapabilities" id="productoverview-cloudemv-keycapabilities"></a>

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 <a href="#productoverview-cloudemv-usecases" id="productoverview-cloudemv-usecases"></a>

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 <a href="#productoverview-cloudemv-cloudemvpaymentprocessflow" id="productoverview-cloudemv-cloudemvpaymentprocessflow"></a>

{% stepper %}
{% step %}
**Initiate payment.**

The client application sends a payment request to the Cloud EMV API.
{% endstep %}

{% step %}
**Route card data request.**

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

{% step %}
**Activate payment terminal.**

The payment terminal is activated to display payment services to the customer.
{% endstep %}

{% step %}
**Capture card data.**

The customer enters card details directly on the terminal.
{% endstep %}

{% step %}
**Authorize transaction.**

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

{% step %}
**Receive response.**

Cloud EMV processes the transaction and returns the authorization response to the application.
{% endstep %}
{% endstepper %}

## Technical requirements <a href="#productoverview-cloudemv-technicalrequirements" id="productoverview-cloudemv-technicalrequirements"></a>

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

## Related topics <a href="#productoverview-cloudemv-relatedtopics" id="productoverview-cloudemv-relatedtopics"></a>

* For a fast payment setup, refer to the [Cloud EMV Quick Start Guide](https://docs.xplorpay.com/quick-starts/cloud-emv).
* To configure your devices for payment processing, see the [Cloud EMV SDK](/guides/cloud-emv.md).


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