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Getting Started with Koard

Welcome to Koard's Tap to Pay on iPhone integration guide. This comprehensive documentation will help you integrate Koard's payment solutions into your iOS applications, enabling secure tap-to-pay transactions for your merchants.

What is Koard?

Koard is a payment platform that specializes in Tap to Pay on iPhone solutions, helping Payment Service Providers (PSPs) and Independent Software Vendors (ISVs) integrate Apple's tap-to-pay technology into their existing applications. We streamline the complex process of Apple certification and merchant onboarding, allowing you to go live with tap-to-pay payments in under 6 weeks instead of a multi-year process.

Key Benefits

  • Fast Time to Market: Launch tap-to-pay payments in under 6 weeks
  • Apple Partnership: Bypass L3 certification requirements through our Apple partnership
  • Comprehensive Support: End-to-end guidance from Apple setup to merchant onboarding
  • Precompiled SDK: Easy integration with our .xcframework distribution
  • Merchant Management: Complete portal for merchant configuration and credential management
  • Payment Routing: Flexible integration with multiple payment processors

Who Can Use Koard?

Koard is designed for:

  • Payment Service Providers (PSPs) serving multiple merchants
  • Independent Software Vendors (ISVs) building payment applications
  • Large merchants processing significant transaction volumes
  • US and Europe-based enterprises with existing POS infrastructure
Prerequisites

Business Requirements

  • US or Europe-based enterprise PSP or ISV
  • Serve multiple merchants or process large transaction volumes
  • Existing experience with physical POS terminals or similar technology
  • Ability to track items and orders in your own database
  • Capacity to update your app for Apple compliance requirements

Technical Requirements

  • iPhone Model: iPhone XS or later
  • iOS Version: iOS 17.0 or later
  • Apple Developer Account: Organization-level account required
  • GitHub Account: Required for SDK dependency management
  • Supported PSP: Integration with a Koard-supported Payment Service Provider
  • Sandbox Apple Account: Dedicated Sandbox tester signed in on a test iPhone that will be used for certification and QA

Test Device Required: Plan for a dedicated test iPhone running iOS 17 or later with your Sandbox Apple Account signed in. Production Apple IDs cannot be used for Sandbox testing.

Integration Phases

Phase 1: Apple Partnership Setup

  • Establish relationship with Apple through Koard
  • Bypass L3 certification requirements
  • Set up Apple Business Register Account
  • Configure environment and KEK exchange processes

Phase 2: Merchant Onboarding

  • Create merchant configurations via Koard's portal
  • Set up merchant credentials and processor integrations
  • Upload VAR sheets for supported processors and gateways
  • Configure payment routing with chosen processors

Phase 3: SDK Integration

  • Integrate Koard's precompiled .xcframework
  • Implement payment flows in your iOS application
  • Test transactions in certification environment
  • Prepare for production deployment

Phase 4: Launch and Scale

  • Deploy to production environment
  • Onboard merchants and provision iPhone terminals
  • Monitor transactions and optimize performance
  • Scale your tap-to-pay business

Quick Start Path

  1. Verify Prerequisites: Confirm you meet all business and technical requirements
  2. Contact Koard: Reach out to our team to discuss your integration needs
  3. Set Up Apple Partnership: Work with Koard to establish your Apple relationship
  4. Configure Merchants: Use our portal to set up your merchant configurations
  5. Integrate SDK: Follow our technical integration guide
  6. Test and Launch: Complete testing and go live with tap-to-pay payments

Next Steps

Support

For questions or assistance with your integration:

  • Technical Support: Contact our development team
  • Business Inquiries: Reach out to Behailu at b@koard.com
  • PSP Partnerships: Ask about our updated list of supported Payment Service Providers