Meet evolving consumer and merchant expectations

Kernel in the Cloud enables COTS devices such as compatible smartphones to accept contactless payments, simplifying payment acceptance.1

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Get exceptional security

Fully packaged product with online PIN, attestation, and application selection hosted in Visa data centers that employ Visa security.

Get up and running quickly

Offload kernel management and EMV L2 and application security certification.

Stay up to date

Easily accept new payment schemes and get seamless updates.

Unlocking opportunity

Three key trends are converging to unlock a wave of digital acceptance and new payment use cases.

Contactless adoption, mobile ubiquity, and micro and small merchant influence

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1 VisaNet Data, February 2021
2 Numbers from Google I/O 2023: 800 million RCS users, countless times saying ‘AI,’ and more
3 Connected POS Terminals Report 2023
4 The estimates here are an amalgamation of 35+ global and regional sources such as the IFC MSME database, U.S. Small Business Authority, Eurostat, OECD, IFAC, and World Bank GDP data
5 Small Merchants, Big Opportunity, The Forgotten Path to Financial Inclusion, Dalberg, November 2nd, 2016
6 The 2020 McKinsey Global Payments Report, October, 2020

Interested in using Kernel in the Cloud?