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The Maple Platform

Maple: the platform behind every Mypinpad product

Maple is Mypinpad's MPoC-validated platform — distributed architecture, five processing models, and a 1.3-second median merchant wait. Payments, authentication, and software services on a single certified integration, deployed under your brand.

See the Maple platform in action

Architecture built for flexibility

Maple separates security from processing. Compliance stays centralised. Transaction processing goes where you need it.

Merchant Device
Maple SDK + Walnut EMV Kernels
Security & Compliance
Centralised · Mypinpad managed
MPoC compliance
Key management & HSM
Attestation & monitoring
SDK security
Device registration
Transaction Processing
Flexible deployment · your choice
MPP DirectFully managed
JSON · Mypinpad backend
Terminal HostLegacy integration
ISO8583 · 3rd-party gateway
HybridResilient
In-country DTC + fallback
Direct to GatewayLowest latency
In-country · 3rd-party gateway
Direct to AppFull control
In-country · no gateway
Acquirer / Processor / Gateway

Five ways to process

Choose where transaction processing happens. In every model, security stays centralised with Mypinpad.

MPP Direct

Fully managedMPoC validated

Transaction payloads are sent as JSON to Mypinpad's backend. We handle routing, host integration, and settlement file production.

Processing locationMypinpad backend (Azure)
Hosting regionUS / EU hosted
3rd-party gatewayNot required
Best for
Customers who want fully managed processing with no infrastructure of your own

Three pillars. One integration.

Every Maple deployment includes payments, authentication, and software services — under your brand.

Payments

Merchant device acceptance and consumer device payments. SoftPOS, Tap to Pay on iPhone, Tap to Add, Tap to Own Device — 1.3-second median merchant wait.

Explore Payments

Authentication

Identity verification, card activation, PIN change, step-up authentication, KYC, and transit ticketing — on merchant and consumer devices.

Explore Authentication

Software & Services

White-label apps, EMV kernel licensing, professional services, data APIs, and developer tools. Everything to deploy and operate.

Explore Software & Services

1.3-second median merchant wait

Security validation runs before the card is tapped, so it costs the merchant nothing at the counter. Timing varies by processing model and device.

Security validation
Card tap
SDK processing
Transaction routing
Authorisation response

Every device. Not just phones.

Maple runs on every commercial device type — smartphones, tablets, purpose-built SoftPOS hardware, and PCI terminals.

Smartphone
Tablet
Handheld
$12.50
TAP TO PAY
1
2
3
4
5
6
7
8
9
PTS Terminal

Deployment models: BYOD, employer-provided fleet, or dedicated purpose-built hardware. SoftPOS-designed devices, SCRP terminals, and Android PTS all supported.

Schemes and Walnut EMV kernels

Thirteen schemes in production on eight proprietary contactless kernels. Most providers cover the global schemes; few cover the domestic ones too. Multi-scheme, multi-market support from a single integration.

Schemes in production
  • Visa
  • Mastercard
  • American Express
  • JCB
  • Discover
  • Diners Club
  • UnionPay
  • eftposAustralia
  • InteracCanada
  • RuPayIndia
  • EloBrazil
  • BankAxeptNorway
  • DankortDenmark
Walnut kernels certified
  • Visa
  • Mastercard
  • American Express
  • JCB
  • Discover
  • eftpos
  • Interac
  • RuPay

Kernels in the pipeline: UnionPay, PURE, Bancomat and CPACE. Status and timing on the capability map →

Every kernel is developed and owned by Mypinpad, and every Level 2 approval is maintained by Mypinpad: end-to-end capability with no third party in the payment path. View our full certification portfolio →

Packaged for your market

Four deployment models designed for different buyer needs. All powered by the same certified Maple platform.

Core SDK & Developer Tools

Acquirers, PSPs & issuers with dev capability

High-performance certified SDK with full integration control and rich transaction data.

Includes
  • Android & iOS SDK
  • Walnut EMV kernels
  • OpenAPI specification
  • Optional Flutter SDK wrapper (available on request)
  • Optional Acacia deeplink app
  • Optional hardware accessories

Solution in a Box

PSPs & fintechs without dev teams

Faster time to market with a ready-to-deploy white-label offering.

Includes
  • Wattle white-labelled app (Android & iOS)
  • Basic merchant management
  • Receipting (SMS & email)
  • Optional Flutter SDK wrapper (available on request)
  • Optional hardware accessories

E-commerce on Consumer Devices

E-commerce merchants & PSPs

Convert card-not-present to card-present. Reduce fraud and lower PCI-DSS burden.

Includes
  • Tap to Pay on Own Device (CP with PIN)
  • Tap to Add with optional tokenisation
  • Tap to Confirm for fraud reduction
  • Optional Acacia deeplink app
  • Optional MPoC-validated PAN entry

Issuer Offerings

Card issuers & banks

Replace branch visits with a tap. Improved cardholder experience for card lifecycle management.

Includes
  • Tap to Verify (step-up authentication)
  • Tap to Activate (card activation)
  • Tap to Update (issuer scripts)
  • PIN Change on consumer device
  • Embedded in existing banking app

Fully in-house.

Every layer of the stack — from device SDK to backend infrastructure — built, maintained, and operated by Mypinpad. No third-party in the critical path.

Your Brand
White-labelled to your customers
Payments | Authentication | Software & Services
Three pillars, one integration
Mypinpad SDKs + Walnut EMV Kernels
8 certified kernels, 13 schemes, Android + iOS
Backend Infrastructure + Attestation & Monitoring
PCI DSS v4.0.1 L1, ISO 27001:2022
Acquirer / Processor / Gateway

One platform. Every capability you need.

Talk to us about deploying Maple for payments, authentication, and services under your brand.

Explore the platform with usExplore Solutions