# Mastercard Contactless Reader SDK
source: https://developer.mastercard.com/tap-on-phone-terminal-sdk/product/tap-on-phone-terminal-sdk/index.md

### Benefits {#benefits}

![Configure APIs](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/configure_api.svg)

###### Configure APIs and perform transactions {#configure-apis-and-perform-transactions}

Complete implementation of EMV Kernel C2 which provides APIs to configure and perform EMV transactions
![Optimize development](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/optimizes_development.svg)

###### Optimize development and certification efforts {#optimize-development-and-certification-efforts}

Provide complete functional testing for EMV Level 2 functional tests
![Flexibility UI](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/flexibility.svg)

###### Flexibility for UI/UX {#flexibility-for-uiux}

Free to build and design the UI and UX proprietary solution
![Accepts Mastercard](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/accepts_mc_contactless.svg)

###### Accepts Mastercard contactless payments {#accepts-mastercard-contactless-payments}

Accepts payments from contactless enabled cards, devices, and mobile wallets

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### How it works {#how-it-works}

![](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/HW-1a.jpg)
Merchant opens the application to initiate a transaction
![](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/HW-2b.jpg)
Merchant enters the amount of transaction
![](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/HW-3c.jpg)
Consumer taps the card for transaction on the mobile device
![](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/HW-4d.png)
Transaction is successful

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### Why use it {#why-use-it}

<br />

The Contactless Reader SDK (SDK) is a plug and use code component that supports application developers in the creation of Mobile Point of Sale (MPOS) terminal solutions that accept Mastercard Contactless payments.

### 10x

A contactless transaction is 10x faster than other in-person payment methods

GFK, "Mystery Shopping Study," 2017

### $8 trillion

Digital spend is projected to grow to $8 trillion by 2023

Business Wire, "Outlook on the Worldwide Digital Payments Industry to 2030", May 2020

### 74%

of survey respondents state they will continue to use contactless payments post COVID-19 pandemic

Consumer polling data: interviews of 17,000 consumers in 19 countries worldwide conducted April 10-12, 2020

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### Use cases {#use-cases}

![Card acceptance](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/card_acceptance.svg)

###### Card acceptance {#card-acceptance}

Grow payment acceptance by providing a low-cost solution to small and medium sized businesses that do not accept electronic payments today
![POS replacement](https://static.developer.mastercard.com/content/tap-on-phone-terminal-sdk/product/img/pos_replacement.svg)

###### POS replacement {#pos-replacement}

Enable small and medium sized businesses to replace existing point of sale with a low-cost terminal alternative

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### Resources {#resources}

Mastercard Contactless Reader SDK

Turn any off- the- shelf eligible NFC-enabled device, into an acceptance device

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**Used
By** Contactless Reader SDK is available to registered users and only supports Mastercard contactless payments (EMV Kernel C2). If you are an existing Tap on Phone SDK user, please register for Mastercard Developers using the email address previously used and request to access the SDK. **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)