Term

MPoC

Payments NFC Security SoftPOS

Mobile Payments on COTS

Mobile Payments on COTS (MPoC) - Also called Tap on Phone with PIN. A PCI standard that lets a smartphone accept payments with PIN authentication, improving security over CPoC.

Related Terms

CPoC

Contactless Payments on COTS (CPoC) - Also called Tap on Phone without PIN. Lets a smartphone act as a payment terminal to accept tap transactions without a PIN.

COTS

Commercial Off-The-Shelf (COTS) - A mobile device (smartphone or tablet) designed for mass distribution. In the payments context, COTS is the platform that runs payment-acceptance apps without dedicated hardware.

PCI DSS

Payment Card Industry Data Security Standard (PCI DSS) - Issued and maintained by the PCI Security Standards Council. Provides baseline technical and operational requirements for protecting payment account data.

CPoC, COTS, and MPoC — What's the Difference?

Comparing three core concepts in SoftPOS payments: COTS is the hardware platform, while CPoC and MPoC are two payment-acceptance standards built on top of it.