Accelerating SRC Payments Merchant Adoption With a Seamless SDK for iOS, Android, and Web

THE CLIENT 

A Leading US Card Network That Needed Merchants to Adopt SRC Without Making It a Custom Engineering Project Every Time

The client is a leading card network operating across the United States, seeking to expand merchant payment options by making Secure Remote Commerce easier to access and implement at scale. 

Every merchant that wanted to offer SRC needed native integration across iOS, Android, and web, and the existing APIs were neither uniform nor configurable enough to make that fast or repeatable. 

The network needed a standardized SDK that would let merchants deploy SRC across their checkout flows in weeks rather than months, while meeting EMVCo security standards without building compliance capability from scratch each time. 

Opus was engaged to engineer that solution end to end. 

THE CONTEXT 

No Standardized SDK. Every Merchant Integration a Custom Project. Adoption Stalling as a Result.

Five technical and business challenges were blocking merchant SRC adoption at scale: 

• Native platform integration gaps: Merchants needed native iOS, Android, and web applications to integrate SRC seamlessly, but existing APIs lacked the uniformity and configurability required to make that integration predictable or repeatable across different merchant tech stacks 

• Technical standards misalignment: Standards varied across platforms, making it difficult for merchants to build SRC-compatible applications that met EMVCo quality requirements without significant custom engineering effort 

• Complex merchant onboarding: Each merchant required custom validation, customization, and compliance testing, extending project timelines and directly reducing overall SRC adoption rates across the network 

• Security and quality assurance bottlenecks: Ensuring SRC implementations met EMVCo security standards while maintaining competitive merchant checkout experiences created development friction that slowed every deployment 

• Slow time to market: The absence of a standardized, configurable SDK meant merchants could not rapidly deploy SRC across their checkout flows, giving competing payment options a speed advantage in merchant adoption conversations 

WHAT OPUS ENGINEERED 

A Merchant-Ready SRC SDK Ecosystem Built for Every Platform, Fully Configurable, and EMVCo Compliant

Opus engineered a complete SRC SDK solution covering all major platforms, security compliance, and merchant integration requirements: 

• Configurable SDK for all platforms: A seamless SRC SDK built to work across iOS, Android, and web applications with full configurability for merchant-specific needs, removing the custom development barrier that had been slowing every new merchant deployment 

• Native iOS and Android integration: The SDK supports native checkout flows for both iOS and Android phones as well as hybrid applications, ensuring optimal performance across every mobile environment merchants operate in 

• Complete web SDK support: A downloadable web SDK was delivered to handle SRC processing with minimal integration effort for browser-based merchants, extending consistent SRC capability across the full merchant channel mix 

• EMVCo-compliant security framework: Built-in security and quality assurance aligned with EMVCo standards gave merchants the compliance foundation they needed without building it independently for every integration 

• Digital experience abstraction: The SDK abstracts complex SRC technical requirements entirely, allowing merchants to focus on customer experience optimization rather than underlying payment protocol complexity 

• Complete merchant app and SDK integration: End-to-end merchant app SDK integration enabling SRC processing from checkout through to card network, covering every step of the transaction flow 

THE SHIFT 

More Transactions. Faster Releases. Merchants Deploying in Weeks Instead of Months.

The SRC SDK delivered measurable improvements across transaction growth, merchant deployment speed, and release cycle efficiency: 

• SRC transaction volume grew by 9% as merchants adopting the SDK experienced direct growth through simplified checkout flows and broader customer acceptance across iOS, Android, and web 

• Time to market for new merchant SRC deployments dropped dramatically as the configurable SDK eliminated custom development cycles, enabling merchants to go live in weeks rather than months 

• Merchant release cycles improved by 80% as standardized SDK integration and automated testing replaced the custom validation and compliance testing that had been extending every deployment timeline 

• Consistent SRC functionality across iOS, Android, and web eliminated the fragmented customer experiences that had been undermining merchant confidence in the technology 

• EMVCo-compliant architecture built merchant trust while reducing fraud risk and compliance overhead across the full card network merchant base 

Ready to accelerate merchant adoption of secure remote commerce with a standardized, configurable SDK? Explore Opus Platform Build and Engineering capabilities at opustechglobal.com/platform-build-and-engineering