Mobile EMV SDK
This page provides an overview of Xplor Pay’s Mobile SDK for iOS and Android. It describes the Mobile EMV SDK that allows accepting EMV chip card payments via Bluetooth using the VP3300 card reader.
About Mobile EMV SDK
The Mobile EMV SDK enables iOS and Android applications to securely accept EMV chip card payments using the VP3300 mobile card reader. It manages end-to-end EMV transaction flow including card detection, data encryption, and JWT token generation, reducing PCI scope.
The Mobile EMV SDK supports Bluetooth based connectivity and provides layered, P2PE security to simplify EMV card payment acceptance.
Business challenges addressed
Integrating Mobile EMV SDK card-present payments into mobile apps often requires complex certification, device management, and PCI scope. The Mobile EMV SDK addresses these challenges by:
Eliminating direct cardholder-data exposure through reader-level encryption and tokenization.
Reducing PCI compliance requirements and minimizing EMV certification effort.
Providing a consistent, unified in-app payment experience across iOS and Android.
Handling secure communication with the VP3300 card reader.
Key capabilities
Mobile EMV SDK provides the following core capabilities:
Supports EMV-compliant card transactions using the VP3300 mobile card reader via Bluetooth connectivity.
Card data is encrypted at the reader and never exposed to the mobile application.
The Mobile EMV SDK generates an encrypted JWT for secure card-present processing through Xplor Pay’s Mobile Transactions API.
Use cases
Mobile EMV SDK covers the following scenarios:
Software partners embedding in-person payments into their mobile applications.
Mobile apps for retailers and service providers.
Applications requiring secure card-present transactions.
Merchants accepting payments on mobile devices paired with a portable card reader.
Mobile EMV SDK for iOS framework process flow
Initialize the Mobile EMV SDK.
Initialize the Mobile EMV SDK to prepare card reader communication and import the required IDTech frameworks.
Connect to the card reader.
Detect and connect to the VP3300 card reader using Apple’s Bluetooth APIs through the IDTech framework.
Process the payment.
The customer inserts the EMV card into the reader.
The SDK secures and encrypts the card data into the JSON Web Token (JWT).
The JWT is returned to the mobile application through a callback.
The app submits the JWT to the Mobile Payments API to authorize the transaction.
The iOS framework uses IDTech.xcframework and bundled resources to manage card-reader communication and feedback messages.
Mobile EMV SDK for Android framework process flow
Initialize the framework.
Initialize the Mobile EMV SDK IDTech Android framework components using required .jar files.
Connect to the VP3300 card reader.
Connect to the VP3300 card reader using Bluetooth connectivity. The Mobile EMV SDK applies required EMV configurations to the reader and confirms readiness before starting any transaction.
Process the payment.
The app starts the transaction, prompting the customer to DIP/SWIPE/TAP the card.
The SDK reads and generates an encrypted JWT containing secured card data.
The app submits the JWT to the Mobile Payments API using the
/rest/v2/mobile/transactions/saleendpoint to complete the payment.
Technical requirements
Device & Reader
IDTech VP3300 mobile card reader
Bluetooth connectivity (required)
EMV and P2PE support
iOS Requirements
IDTech.xcframework v4.0.142 or later
IDTech.bundle (including IdtechMessages.bundle)
CocoaLumberjack.xcframework
iOS 11 or later
Android Requirements
Android SDK and compatible .jar files from the android idtech-sdk package
Public key provided by Xplor Pay
Android 7.0 or later
Related topics
To try out the quick onboarding flow, see:
To learn how to implement the setup to process payment, see Mobile EMV SDK.
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