Many independent software vendors (ISVs) across a wide range of industries, including retail, hotel & lodging, healthcare, etc., are building innovative mobile point of sale (mPOS) payment solutions. These solutions include mobile applications that allow merchants to run their business from a smartphone or tablet and are coupled with an mPOS card reader to accept card-based payments. To be able to accept payments, these applications must comply with the latest payment industry standards and be certified to securely accept EMV payments.