Payments

EV Open Payments: Making EV charging in India as simple as tapping a card

EMVCo's new EVOP standard brings the same card interoperability that runs the world's ATMs and POS terminals to EV charging, and it is about to fix India's fragmented, one-app-per-network charging problem.

EMV

Payments

EMV Challenges

Karthik Gowrishankar

Tokenization 2.0: Moving beyond simple payment tokens to "Merchant Tokens" and "Device Tokens."

Tokenization has evolved from simply replacing card numbers to purpose-built token types, merchant tokens bound to a specific merchant, and device tokens tied to a specific device.

Tokenization

Payments

Artificial Intelligence

Payment Ecosystem

Karthik Gowrishankar

Write the recipe, not the code.

One engine, any workflow, defined in configuration rather than code.

DevOps

Payment APIs

API Integration

Application Deployment

Payments

Karthik Gowrishankar

Terminal Certification at a larger scale doesn't start with tools. It starts with streamlining the operational layer

The networks have standardized what to certify. The missing piece is how teams operationalize the execution at scale.

Payments

Payment Network

Payment Certification

EMV

EMV L2

Karthik Gowrishankar

The multi-kernel transition is here. Most teams are already behind.

The C-8 kernel is here, and how payment teams manage the multi-kernel transition period will determine who reaches the other side ready sooner.

EMVCo C8

Payments

EMV Kernel

EMV L2

EMV Test Tools

Karthik Gowrishankar

Frictionless or Challenged - How 3DS Reads Your Transaction

Not all online checkouts are equal. Behind every Card-Not-Present (CNP) transaction sits a risk engine making a split-second call, frictionless or challenged.

3DS 2.0

Payments

Online Transactions

CNP Transactions

CNP Transaction Security

Sabapathy Narayanan

When merchants call the acquirer first: The hidden support burden in payment acceptance

Merchant acquirers bear the hidden costs of merchant integration issues, and structured terminal UAT testing before deployment is the quiet fix that mitigates most of them.

Merchant Test Cards

Merchant EMV Migration

Payments

Acquirers

Acceptance Infrastructure

Karthik Gowrishankar

When customer experience gets stress-tested to meet last minute delivery

Customer experience in payments testing differs from that in other industries. It's not about surveys or satisfaction scores. It's about what happens when a customer needs a Tecto kit delivered by tomorrow morning because they're traveling for testing.

Payment Ecosystem

Payment Friciton

Payment Certification

Payments