Creditcall Closes Chip Card Adoption Gap in U.S.

Pioneer of chip card, mobile and contactless solutions eases
certification bottleneck for remaining 66% of U.S. merchants that still
have not fully activated EMV technology

NEW YORK & BRISTOL, England–(BUSINESS WIRE)–#Chip–Upon the one-year anniversary since the U.S. transitioned to chip cards, Creditcall,
the omni-channel Payment Gateway and EMV Kernel provider, celebrates 20
years in payments and today announced it has surpassed 2 million EMV
Kernels deployed worldwide. This industry milestone together with its
Payment Gateway expertise improves the company’s ability to help FinTech
leaders remove barriers to embrace and activate the latest and most
secure payments technology.

At a notable time in both the company and the industry’s history, this
announcement extends Creditcall’s unique capacity to drive the future of
payments technology forward and help close the EMV gap in the U.S. for
the 66%
of merchants
that struggle to realize full-scale chip card adoption.
While 70%
of consumers now have chip cards
, according to, the
need for merchants to catch up with the certifications to process the
cards is paramount.

Creditcall removes hurdles to embrace advanced payments technology

The process of migrating to EMV is incredibly complicated and time
consuming. It requires a series of certifications a merchant must have
in place before chip enabled payment solutions can be used. 15% of
merchants have millions of dollars’ worth of new payments equipment
sitting at their counter tops, with card slots covered by masking tape
as they haven’t been able to activate them due to certification delays
also known as certification bottleneck. Merchants that haven’t completed
their EMV adoption are at greater risk of payment hacks and have seen
their counterfeit fraud costs go up 77% while costs fell by 54% for
those merchants who have migrated, according to Mastercard.

For two decades, Creditcall has helped businesses bridge this gap to
embrace new payments technology with ease and ensure the process is as
fast, simple and secure as possible.

“Creditcall has been at the forefront of payments technology innovation
for twenty years due to its unique blend of Payment Gateway expertise
and EMV Kernel experience,” said Lars
Pedersen, CEO, Creditcall
. “This combination cannot be found
anywhere else in the world and gives Creditcall an unprecedented
understanding of the complex and nuanced payments industry, which
translates to faster payment technology upgrades and more secure

Pedersen continues, “The industry has yet to reach its apex of
innovation and with the prevalence of digital technologies and the
industry’s embrace of the Internet of Things, we are excited about the
possibilities and new opportunities our expert team and sophisticated
technology will deliver over the next two decades.”

Highlighting the impact of Creditcall’s technology, milestones

  • Largest number of pre-certified payment device and processor
    – More than 30
    different device manufacturer and processor combinations
    to choose
    from, enable developers, VARs and integrators to help merchants get
    over the EMV certification bottleneck faster and easier than any other
    payment gateway by using Creditcall’s suite of Payment
    Gateway SDKs
  • 2 million EMV Kernels deployed worldwide – Payment device
    manufacturers from over 23 countries use Creditcall’s EMV
    which control the communication between the payment device
    and a EMV chip card. By using Creditcall’s EMV Kernels, device
    manufacturers can bring
    their hardware faster to market
    by fast tracking certifications
    and reducing development risk and time.
  • Numerous payment industry firsts – World’s first authorized
    online card transaction from a parking meter using mobile data (1999);
    world’s first certified EMV Kernel for unattended/self-service
    devices, such as a vending machine or kiosk (2003); world’s first EMV
    chip card ready mPOS solution (2010).
  • 88% increase in transaction points (in-store, self-service, online
    and mobile)
    in 2016 – Growing existing customer base
    includes Atos, Gravity Payments, NCR Silver, Poynt, and Westfield.
  • Most secure and advanced payments gateway – Given the rise of
    cyber threats, Creditcall offers comprehensive end-to-end security
    with its proprietary technology and combination of EMV, point to point
    encryption (P2PE), tokenization, remote key injection (RKI) and a
    robust terminal management system (TMS) via its suite of ChipDNA

A history rooted in pioneering industry firsts

From enabling card payments on hotel phones to secure payments from any
device, anywhere, Creditcall has been pioneering payment and security
technologies for more than 20 years. The company has contributed to many
of the milestones the industry has seen today, in particular EMV and
mobile point of sale (mPOS). At the genesis of Creditcall, the company
started as a simple telecommunications service, enabling hotel customers
to bill telephone calls to their credit or debit card. This service
coined the “Creditcall” name.

Today, the company supports the largest payment methods including Apple
Pay, Android Pay, American Express, Discover, Mastercard, and Visa, and
world most popular processors such as Chase Paymentech, Elavon and First
Data to drive the future of secure payments in-store, self-service,
online and mobile.

To celebrate with Creditcall, visit the company on their booth #3122
during Money2020 in Las Vegas on October 24-26

About Creditcall

Creditcall provides the tools to enable secure payment acceptance
in-store, self-service, online or mobile. From retail and hospitality,
to parking, vending, transportation or charity applications,
Creditcall’s omni-channel Payment Gateway and EMV Kernels are at the
very heart of its partners’ businesses, enabling them to focus on what
they do best.

Creditcall is an EMVCo
Business and Technical Associate
, a PCI
SSC Participating Organization
, a Mastercard accredited MEPSA
company and member of the U.S. Payments Forum and has offices in
Bristol, UK and New York, USA.

To find out more visit
or engage with us on Twitter @Creditcall.


Ingrid Anusic, +44 (0)117 930 4455
PR for Creditcall
Jennifer Sricharoenchaikit, 646-738-8960