What is the payment engine?

Payment Engine is a middleware library that allows developers to work with a variety of EMV-capable payment terminals without the hassle of integrating and certifying each solution. The middleware is compatible with platforms such as iOS and Android, as well as a cloud-based solution through any browser.

TowersPay always offers advanced tools to help developers integrate with their solutions. From basic integration libraries to a list of API languages, developers have the ability to quickly integrate and focus on growing their business.


The payment engine is a middleware library that provides simple and robust software integration for developers. The library provides an easy method for implementing EMV terminals that work in TowersPay cloud-based and mobile applications.

Mobile middleware

The Payment Engine middleware library is compatible with iOS applications. The middleware library enables merchants to pair their EMV devices with the TowersPay mobile app via a Bluetooth connection and begin processing EMV, contactless (Apple Pay) and credit/debit transactions immediately.

Test Environment

Without the hassle of EMV certification for developers, the Payment Engine platform has built-in endpoint inventory and software management tools. It also ensures merchant devices are automatically updated and offers developers flexible middleware integration for EMV processing terminals from companies such as Verifone, Ingenico, and Castle.

Cloud-based middleware

The Payment Engine middleware library has many benefits for developers. The library includes a rich set of API calls that allow users to manage devices and initiate transactions with seamless access to supported EMV terminals.


TowersPay is happy to work with developers to make their software development kits work seamlessly with their mobile app building process.

The Software Development Kit for iOS and Android Devices allows developers to focus on building a mobile application, while TowersPay provides the necessary payment features that an application requires.


The iOS library is designed to give developers the tools to create highly customized payment applications for Apple mobile devices.

Test environment

TowersPay provides test accounts that allow developers to test much of the gateway’s functionality within their applications.