ChipDNA Cloud, the newest addition to the ChipDNA payments technology stack, is designed to serve industries that require seamless card present payments, including healthcare, dental, retail and more.

For decades, integrating with payment devices required the use of SDKs and device drivers that have to be downloaded on local machines. They were cumbersome for developers, and time-consuming for local IT teams and small businesses. For cloud-based solution providers, these SDKs were counterintuitive to the “no software” SaaS industry. ChipDNA Cloud was designed to eliminate these integration complexities by reducing these SDKs into a single API, ultimately easing the integration of card present payments and reducing the development resources needed so partners can monetize their payments faster.

ChipDNA Cloud transforms any web-connected device, whether desktop, tablet, Android or iOS, into a cloud point-of-sale solution – instantly modernizing older solutions to help merchants remain competitive in changing markets that prioritize EMV and contactless payments. The platform-agnostic API eliminates the need to download individual SDKs or device updates, simplifying compliance with strict regulations, like PCI-DSS and HIPAA.

“In the race to deliver safe and speedy checkout experiences as we recover from COVID, many merchants will need to overhaul their payment device strategy to support contactless card reads,” said Jennifer Sherman, SVP of Product at NMI. “For many software solution providers that means new integrations, new SDKs, new drivers and new hassles. ChipDNA Cloud removes the complexities of EMV and contactless integrations for ISVs and ISOs, allowing them to deliver a range of secure, in-person payment options to merchants who are hungry for choices as they continue facing decisions that will impact their business continuity.”

Whether ISVs are working to enhance merchants’ new or existing business models, ChipDNA Cloud can be used to build an all-in-one omnichannel payments solution or reinforce e-commerce solutions with card present options into retail spaces with minimum development efforts. ChipDNA Cloud is also available as an off-the-shelf solution, which allows ISOs to start processing payments instantly without using a single line of code.

“There’s typically some development effort ISV merchants need to complete before they can move forward with the integration,” said Steve Staden, SVP of Product at Wind River Financial. “NMI’s ChipDNA Cloud made it easy for our clients to make that move by delivering the EMV cloud solution that they’ve been asking for. It eliminated the need for software installs on every terminal that were previously required with SDKs.”

“ChipDNA Cloud is anticipated to remove 80% of the issues that historically complicated the EMV payment implementation for our ISV clients," David Anderson, CEO, Preferred Payments. “We’re very excited to be partnering with NMI on integrating this game-changing technology into our card-present solution.”

The API is currently available with EMV and contactless Ingenico devices, Lane 3000, 5000 and 7000 and certified on TSYS, with other major processors coming in Q4.