Kernel in the Cloud

Leading POS Virtualization & Driving Innovation

available for use by

Acquirer Banks

Independent Developers

Regional Availability

View Details
  • N. America
  • Asia-Pacific
  • Europe
  • LAC


Product terms located at end of the page.

Secure payment acceptance through software-based POS in the cloud

Kernel in the Cloud is pioneering innovation via a software-based cloud infrastructure to democratize acceptance. It provides a secure, modular and service architecture-oriented solution to enable acceptance. This solution eliminates traditional hardware constraints and enables faster and easier deployment of value-added services at the point-of-sale. 

Key Features

cloud keyhole

Reduces time to deployment with lighter certification requirements


Transforms any connected device into a PoS, enabling new payment flows and experiences

value added services

Enables a future integrated ecosystem for value-added services.

Why Use It?

Build net new acceptance

  • Allow consumer-grade mobile devices to accept payments.
  • Enable broad spectrum of acceptance devices.
  • Enable new entrants by removing payments expertise requirement.

Faster time to market

  • Provide enhanced value-added services.
  • Reduce time to market.
  • Removes payment expertise requirements enabling new market entrants.

Cost reduction 

  • Reduce the burden of PCI compliance.
  • Simplified L2 certification process.

How Does It Work?

  1. Service provider provides EMV kernel configuration for POS devices.
  2. Service provider kernel profile is created through Kernel in the Cloud.
  3. Service provider provides participating merchant and store profiles.
  4. Merchant routing rules are created based on merchant processing preference through Kernel in the Cloud.
  5. Service provider enrolls POS devices.
  6. Kernel in the Cloud generates unique Device IDs for enrolled POS devices.
  7. Service Provider enrollment is completed through Visa Developer Portal.
  8. Purchaser places order.
  9. Merchant application triggers Kernel in the Cloud Thin Client SDK to securely transfer payload to Kernel in the Cloud.
  10. Kernel in the Cloud formats the transaction details appropriately and securely routes the transaction authorization request through participating payment gateway to the processor.
  11. The transaction is then routed to the acquirer to request transaction authorization.
  12. The transaction is authorized or declined by the acquirer.
  13. Kernel in the Cloud returns the message to the merchant.

APIs Included

Kernel Profile API

Kernel Profile API is used to store the EMV Kernel Configurations for POS devices at the Kernel in the Cloud Gateway.

Merchant Routing Profile API

Merchant Routing Profile API is used to capture the Merchant Routing Configurations and any processing preferences of the Merchant.

Store Profile API

Store Profile API is used to capture the details of the physical location of a store where the devices will be deployed.

Device Enrollment API

Device Enrollment API is used to enroll POS devices when the Kernel in the Cloud Provider sends the kernel and merchant profile associated with that device along with the authentication public key information.

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