Creation of a Generic Card & Mobile Payment Application
CPACE is a Generic Card & Mobile Payment application specification created by ECPC, a new Technical Cooperation group composed of the leading European Card Schemes
The new specification named CPACE (CPA Contactless Extensions)
• builds on the EMVCo CPA standard specification *
• by adding the necessary card and mobile extensions for both contactless and remote payments for mobile use.
There are 4 parts to CPACE:
1- CPACE – DIC: Dual Interface Cards
2- CPACE – Terminal Kernel
3- CPACE – HCE: Mobiles with Host Card Emulation
4- CPACE – SE: Mobiles with Secure Elements (planned).
The CPACE specification provides an appropriate response to the ERPB recommendations on contactless transactions (ERPB/2015/rec.10.ii and ERPB/2015/rec.8.i).
* ECPC is working on the current version of EMV but is also planning the development of application specification for the EMV 2nd Generation.