Your trusted payments partner

EMV issuing, authorization and key & certificate management 

Cryptomathic is highly experienced in assisting organizations, including banks, third-party service providers, and payment schemes, to deliver secure, efficient, and flexible payments cryptosystems. Cryptomathic has been delivering EMV solutions and consulting services for more than 20 years and we are particularly accomplished in:


100s of millions EMV cards are annually issued with data generated by Cryptomathic products. We have payments customers on six continents and a range of regional and global partners to support our large network of regional and multinational customers.

Data Preparation System with data formatting and key management

An essential component for payment card authentication with flexible architecture

Centralized and automated life cycle management of all payment application keys

Provides a scalable and resilient crypto infrastructure for payment authorization

Data Preparation
CardInk - Benefits

  • Support all major applications - AmEx, Discover, MasterCard, VISA...
  • Integrate with various issuing systems - ACI, AZ, Datacard and Muehlbauer
  • Achieve HSM and card platform independence 

EMV CA - Benefits

  • Lifecycle management of EMV Issuer CA (scheme issuers') certificates
  • Issue, export and revoke certificates
  • Flexible commercial models - managed service or on-premise

Crypto Key Management System
CKMS - Benefits

  • Demonstrate internal and external compliance, e.g. PCI DSS
  • Streamline processes with asynchronous workflows and automated key distribution
  • Manage all key types and certificates: ECC, RSA, DES, 3DES, AES, X.509

Crypto Service Gateway
CSG - Benefits

  • Centralize management of crypto hardware and policy enforcement
  • Provide easy-to-read audit logs for proof of compliance
  • Lower project, development and management costs by 50%

Flexible Payments

CardInk and EMV CA


CardInk is the most usable, scalable and flexible EMV® data preparation system. It integrates with issuing systems from various vendors and supports all major payment schemes and applications for any customer requirement. 



The EMV® Certification Authority is designed in a flexible client-server structure enabling the payment scheme provider to tailor the system to the specific needs of its organization in-line with e.g. regional and national requirements.

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EMV Key Management


At the leading edge of security provision within its key markets, Cryptomathic closely supports its global customer base with many multinationals as longstanding clients.