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Digitsecure Receives India’s First Certification for Contactless Card Payments on Mobile Devices

Supporting India’s vision towards a cash-lite society, certification strengthens credit card acceptance security on smartphones and tablets and helps build trust in new technology that allows merchants to forego traditional payment terminals.

chip-enabled credit card in touching a cellphone

September 11, 2020

Bengaluru, India, September 11, 2020 – UL, a leading global safety science company, continues to strengthen acceptance security for contactless payments across the world. The company today announced that Digitsecure is the first product in India to be certified to the Payment Card Industry (PCI) Security Standards Council’s Contactless Payments on COTS (CPoC™) Security and Testing Requirements for its SoftPOS solution. PCI’s CPoC enables contactless payment acceptance on a merchant's consumer device using an embedded near-field communications (NFC) interface.

A set of principles and requirements for a mobile payment-contactless acceptance solution, CPoC Security and Test Requirements provide a security framework to protect the confidentiality and integrity of sensitive payment information captured and processed in CPoC solutions. Digitsecure facilitates contactless chip-based payments using the NFC interface of common commercial off-the-shelf (COTS) devices, such as a smartphones or tablets. Designed to allow merchants payment acceptance flexibility, Digitsecure addresses online based contactless chip-based transactions that further enables merchant acceptance.

CPoC certification means that Digitsecure meets key security requirements that help ensure the security of the payment data obtained through the NFC interface and contactless kernel on the COTS device. These security mechanisms, controls and mitigations protect the consumer’s account data and other assets, such as cryptographic keys, helping to ensure the payment process is protected when performed on consumer grade devices such as mobile phones.

According to Jay Krishna, chief technology officer, Digitsecure, a provider of integrated payment solutions, the CPoC certification helps fuel momentum for contactless payment adoption across the world. “We are extremely excited about our work with UL. With its extensive experience in the payments industry, UL has helped Digitsecure drive trust for our solution with both acquirers and customers.  It also helps enable India’s move towards a cash-lite society while expanding financial inclusion across the country,” said Krishna.

Currently, merchants can accept card payment via a dedicated credit card terminal, or process payment through hardware readers that can transfer magnetic stripe data to a payment application running on a PC or mobile device. Digitsecure allows the merchant to completely bypass both options and conduct a contactless transaction on a smartphone or tablet without any external hardware.

The certification comes at a time when businesses at the front lines of the COVID-19 pandemic are making a top priority way to reduce transmission risk for in-store customers.  Data from a recent survey conducted by Mastercard presented a rise in the use of contactless payments. This was attributed to worries about potential of germ transmission at point-of-sale systems including fears about the cleanliness of signature touchpads. 

Contactless payments help alleviate those concerns while also decreasing in-store payment transaction times. On average, the transaction time for a chip-enabled card can be as much as 30 to 45 seconds, a contactless transaction can reduce that to as little as 10 to 15 seconds.  Shorter transaction times translate to less time customers in close proximity to each other while waiting in line. 

Suresh Sugavanam, vice president and managing director of South Asia and Sub-Saharan Africa, UL, said, “Companies developing contactless payment systems that help power India’s economy must innovate with safety guiding the way.  As the leading global safety and security authority, UL applauds Digitsecure for achieving the  certification for PCI’s CPoC requirements. This milestone helps ensure Digitsecure compliance and further demonstrates how UL is enhancing security of the digital payment ecosystem in India.”

About UL

UL helps create a better world by applying science to solve safety, security and sustainability challenges. We empower trust by enabling the safe adoption of innovative new products and technologies. Everyone at UL shares a passion to make the world a safer place. All of our work, from independent research and standards development, to testing and certification, to providing analytical and digital solutions, helps improve global well-being. Businesses, industries, governments, regulatory authorities and the public put their trust in us so they can make smarter decisions. To learn more, visit To learn more about our nonprofit activities, visit


Press Contact:

Poornima Chandrashekaraiah

Regional Marketing – South Asia


T: +91.80.4138.4400 ext. 64588

E: [email protected]

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