Girmiti combines expertise in the payments industry and innovative technologies
to offer next-generation solutions and professional services.
Girmiti solutions and services address requirements for various verticals
covering EMV solutions for mPOS, PC, Mobile and Readers, support add on
transactional channels for Payments, Retailers, Restaurants, Healthcare,
Telecom, Banks, Payments, Transits and Events Management.
Girmiti also brings in their experience to provide QR & NFC Wallet solutions for
end users, businesses, partners to transform and mobilize the business to bring
about flexibility through its use in the payment ecosystems.
We bring value proposition to our customers in execution, delivery, innovation,
operations and differentiate with others on our professional services with our
focused objectives to achieve results with cost effectiveness in niche space.
Girmiti Software has been appraised at level 5 of the Capability Maturity Model
We are a ISO 9001:2015 and ISO/IEC 27001:2013 certified company.
With the present market dynamics surely moving towards contactless payments,
especially through NFC technology, Financial Institutions should, if not already
done so, be ready to provide their customers option to transact using this
NFC wallet is a mobile wallet application, which uses a special chip on the smart
phone. With the advantages of Secure Element or HCE in NFC Chip, wallet can
store credit/debit cards, access cards, coupons, loyalty cards, prepaid cards,
tickets, and many other contents in the same wallet to manage. This type of
wallet requires the consumer to log in to the app, using a secure PIN or
password. For the cardholder and the merchant, this is similar to how EMV PIN
work. The wallet app can then be used for proximity “contactless” interaction
with nearby contactless terminals, transport gates or other NFC reader devices.
This wallet can be interfaced with any of the PNO’s and certify to leverage
wallet benefits for your partners or end customers since Issuers are connected
already with the PNO’s.
Transit industry is upgrading the payment infrastructure by embracing latest
technologies and deploying digital payments. AFCS, an integrated ticketing
system, automates the ticketing at public transport networks like buses, metros,
rails, etc., AFCS allows fast payment transactions and effective fare collection
without much of human intervention. It also provides merchants a platform for
AFCS involves multiple components that include Fare media, ticket vending
machine, Fare gate, etc.,
With proven payment experience, we help our clients in deploying AFC systems,
where we develop software solutions for all the components and integrate them
into one AFC system. Our solutions can support various fare media such as
tokens, cards and with various technologies including NFC.
With AFCS applications, commuters can purchase their tickets and recharge their
tickets online. It accepts various payment methods like credit/debit cards etc.,
Our solutions to AFC systems will allow no discrepancy that helps in accurate
fare collection and prevents fraudulent actions.
With EMV implementation becoming a must rather than an option and it being
mandated by all the key Payment Schemes globally, it is imperative that various
players affected implement EMV to remain competitive.
Our vast experience in developing and implementing EMV solutions for Issuers and
Acquirers, Kernels puts Girmiti in a strong position to offer solutions and
services for GEPS for EMV.
Our domain and technology expertise and offerings include:
Implement EMV L2 Kernels for PoS and PC PoS – Contact and Contactless
Implement EMV L2 Kernels for mPOS using Android OS
Development and Implementation of EMV Issuance - Chip Card Management System
for personalization and post personalization support; HSM APIs for
processing Chip Authorization like cryptograms ARQC or interface with WBC
Test execution using tools for contact and contactless
Laboratory Security evaluation and certifying the product for our customers
Payment schemes Certification for various regions as per our partners’
Girmiti Software helps Banks, Financial services firms develop business solutions
that drive efficiency, effectiveness, innovation and virtualization. When
customers work with us, they benefit from our deep domain and technology
expertise, compliance with regulations, and build enhanced product features to
support business & operations to enable in mobile, e-commerce and cloud
We carry specialist team of analysts, domain and technology experts to provide
solutions to our partners in this space with advantage of smart people
succeeding in providing solutions to our customers. It will be an added
advantage to use our professional services and experts to help this to help in
functionalities, conceptualization, architecture and designing to build
enterprises platform for our customers and implement those in regions across the
Our team helps in building & automating the platforms to move the product into
production, to go live in global market, which includes security, compliance to
standards & certifications.