NFC Wallet

With the market dynamics slowly but 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 technology.

NFC wallet is a mobile application, which uses a special chip on the smart phone. With the advantages of Secure Element 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 and manage. This type of wallet requires the consumer to log in to the app, using perhaps a secure PIN or password. For the cardholder and the merchant, this is similar to how EMV PIN codes work. The wallet app can then be used for proximity “contactless” interaction with nearby contactless terminals, transport gates or other NFC devices.


Implementation Partner

Girmiti Software’s team has the experience and expertise in implementing solutions end to end for our customers.

As part of this, we are well positioned to take up the following responsibilities on our customer’s behalf -

  • - Scoping the complete product/solution or perform gap analysis of existing product by looking at current features and expectations
  • - Arrive at the Architecture
  • - Define the interface requirements with external entities
  • - Design or Re-design of the application
  • - Grounds up development or customization to address new requirements and changes
  • - QA Testing


EMV Services

With EMV implementation becoming a must rather than an option globally and as it being mandated by all the key Payment Schemes, it is imperative that various players affected by these implement EMV to remain competitive.

Our vast in experience developing and implementing EMV solutions for Issuers and Acquirers puts Girmiti in a strong position to offer solutions and services for GEPS for EMV.

Our expertise and offerings include -

  • - Developing EMV L2 Kernels for PoS and PC PoS – Contact and Contactless
  • - Developing EMV L2 Kernels that can be implemented for various mobile phones platforms
  • - 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


Banking & Financials

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 environments.

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 experts in this to help in functionalities, conceptualization, architecture and designing to build platform for our customers and implement those in regions across the globe.



Girmiti combines expertise in the payments industry and innovative technologies to offer next-generation solutions and services.

Girmiti solutions and services address requirement for various verticals covering EMV solutions for PC, Mobile and Readers, support add on transactional channels for Payments, Retailers, Restaurants, Healthcare, Telecom, Banks, Aeronautics and Events.

Girmiti also brings in their experience to provide NFC Mobile-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 and differentiate with others on our professional services with our focused objectives to achieve results with cost effectiveness.

Girmiti Software has been appraised at level 5 of the CMMI Institute’s Capability Maturity Model Integration.

We are a ISO 9001:2008 and ISO/IEC 27000:2013 certified company.