SoftPOS turns smartphones into secure payment terminals, enabling merchants to accept contactless payments with or without PIN. The paper explores the evolution from traditional POS to software-based models, detailing architectures, threat models, and certification challenges. While SoftPOS offers convenience and cost savings, it brings complex security risks requiring robust backend monitoring, TEE/SE integration, and rigorous processes. REEKON supports vendors through design, development, testing, and certification, emphasizing early process implementation, third-party integration, and team structure to meet PCI standards.

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