CPACE - The new standard for contactless payments in Europe
The new CPACE standard was created by the ECPC (European Card Payment Cooperation) to facilitate contactless payments in Europe.
The ECPC is a consortium of European domestic card schemes from Belgium, Bulgaria, France, Portugal, Spain and Germany. The objective of this initiative is to create a single and independent payment standard for Europe. The ECPC supports the maintenance and update of the CPACE specifications for cards, wearables and terminals deployed on the European market.
The CPACE ( Common Payment Application Contactless Extension) specifications were built on the EMVCo CPA standard for contact transactions, and was extended for contactless and remote payments.
Why CPACE ?
What are the benefits for payment stakeholders to integrate such standard ?
Independence :
The implementation of CPACE in payment infrastructures allow more independence from the current proprietary card applications and international card schemes.
Seamless deployment :
Payment terminal providers integrating the CPACE kernel can deploy their products in many European countries, regardless of the domestic payment application.
Security :
Transactions performed with CPACE application benefit from the EMV security functionalities.
Already integrated
Our team has already added the CPACE kernel to our software suite of contactless payment solution – Kardia – allowing payment solution providers to extend their offering, target the deployment of their solutions on the European market and improve user experience.
European card schemes participating : Bancontact Payconiq Company (Belgium), Borica-Bcard (Bulgaria), Groupement des Cartes Bancaires “CB” (France), SIBS MB (Portugal), Sistema de Tarjetas y Medios de Pago “STMP” (Spain), and SRC-girocard (Germany).
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