Expert guidance for financial institutions navigating card scheme compliance, EMV migration strategy, and payment acceptance modernization.
The EMV ecosystem is complex — card schemes, certification bodies, hardware vendors, host systems, and evolving regulations all intersect. Getting it right requires deep domain expertise and hands-on experience.
Digitalley's consulting team has guided banks, processors, and fintechs through EMV programmes across Africa and beyond.
Assess your current card portfolio, define migration roadmap, select personalization approach, and plan rollout phases.
Manage the full Visa/Mastercard/Verve card certification lifecycle — from card design approval through to production certification.
Design EMV card profiles (AID configuration, risk parameters, CVM lists, issuer scripts) optimized for your market and risk appetite.
Integrate card management systems with your authorization host. Includes real-time card activation, PIN management, and lifecycle management.
Design and build in-house personalization bureaus or evaluate outsourced bureau partners. Includes HSM deployment and key ceremony facilitation.
Establish or audit cryptographic key management processes in compliance with PCI PIN and card scheme requirements.
Design terminal estate strategy — POS, mPOS, ATM — including deployment, configuration, and remote management architecture.
Guide terminal vendors and acquirers through EMVCo Level 1 and Level 2 certification for contact and contactless acceptance.
Navigate Visa, Mastercard, and local scheme compliance requirements — brand mark usage, receipt formatting, and mandate tracking.
Migrate from mag-stripe to chip, enable contactless, integrate QR code payments, and support mobile wallets.
Analyze transaction routing and interchange fee structures to identify cost-saving opportunities.
Best for: Ongoing programmes
Monthly retainer for strategic advisory, scheme liaison, and ad-hoc technical guidance. Dedicated consultant allocated.
Best for: Defined scope
Fixed-scope engagement for certification projects, migration programmes, or bureau setup. Clear deliverables and timeline.
Best for: Capacity gaps
Embed our EMV specialists into your team for a defined period. They work alongside your engineers and project managers.
