general benefits

CPACE is an independent card & mobile payment application which

can be used for any card scheme transactions,
allows independence from proprietary contactless applications currently available.

The use of CPACE has significant potential

since it is built on CPA, a widely used card EMVCo standard
(already > 300 Million cards issued)
due to the number of cards represented by the schemes currently participating in the CPACE development.

The use of CPACE has significant potential

in line with the regulatory requirements in the latest EU Directive and associated RTS (PSD2 Strong Authentication).

Benefits for the Issuing Domain

(Card Issuers and Card Vendors)

CPACE

… allows the same payment application specification to be used in different environments (contact cards, contactless cards, mobile NFC, remote transactions…) and in different markets.

Benefits for the Acquiring Domain

(Card Acquirers, Merchants, and Terminal Vendors)

The CPACE Kernel

… provides a great opportunity to set up a terminal infrastructure that can work in many countries, which could be of particular relevance to multinational merchants.