Empowering a Central Bank to Automate EMV Certificate Lifecycle and Eliminate Foreign Fees

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Challenges
  • Fragmented EMV Certificate Management: Manual issuance and renewal of EMV certificates led to lapses, security gaps, and operational bottlenecks.
  • High Transaction Costs: Reliance on international card networks meant up to 2% of transaction value paid as foreign gateway fees.
  • Regulatory Compliance Pressure: Central bank needed 24×7 proof of certificate validity for regulatory audits and transaction dispute resolution.
SOLUTION
  • Automated CLM Platform: eMudhra deployed emCA with full CMP (Certificate Management Protocol) integration, orchestrating every step from key generation to certificate revocation.
  • HSM-Backed Root & Sub-CAs: Hardware Security Modules ensure root keys are never exposed, while subordinate CAs issue EMV certificates automatically based on policy-driven workflows.
  • Self-Service Portals & APIs: Card issuers and terminal providers access a RESTful API for on-demand certificate requests, status checks, and secure key rollover.
  • BENEFITS
    • Zero-Touch Provisioning: EMV certificates issued or renewed without human intervention, reducing average cycle time from 2 days to under 5 minutes.
    • Cost Savings: Eliminated all international network fees, retaining an estimated 1.8% of transaction volume annually within the local economy.
    • Continuous Compliance: Automated audit trails and real-time policy enforcement satisfy EMVCo, PCI-DSS, and local regulations effortlessly.
    • Scalability & Resilience: System scales horizontally to support peak transaction loads (>50k cert ops/min) with built-in high availability.

Case summary

A leading central bank in the Middle East partnered with eMudhra to transform its national payment infrastructure. Previously burdened by fragmented EMV certificate processes, high international transaction fees, and growing compliance pressure, the bank needed a scalable, secure, and cost-effective solution. eMudhra deployed its emCA platform with full Certificate Management Protocol (CMP) integration and HSM-backed Root and Sub-CAs, enabling fully automated, policy-driven certificate issuance and renewal.

The result was a dramatic improvement in operational efficiency, with certificate provisioning time reduced from two days to under five minutes. The bank eliminated reliance on foreign networks, saving approximately 1.8% in transaction fees annually. Self-service portals and REST APIs empowered issuers and terminal providers, while real-time audit trails ensured continuous compliance with EMVCo, PCI-DSS, and local regulations. With high availability and support for over 50,000 certificate operations per minute, the system is built for scale — and backed by eMudhra’s proven expertise and dedicated regional support.

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Why eMudhra?

eMudhra was chosen for its deep domain expertise in EMV-compliant Public Key Infrastructure (PKI) and its proven track record of delivering large-scale Certificate Lifecycle Management (CLM) solutions across Southeast Asia and Africa. The company’s robust emCA platform offers enterprise-grade automation, combining best-in-class CMP workflows with secure HSM integration to ensure end-to-end certificate orchestration with minimal manual intervention. Additionally, eMudhra's commitment to client success is reinforced by its dedicated regional support teams and 24×7 SLA-backed services, ensuring rapid issue resolution and continuous operational excellence. This combination of technology, experience, and localized support made eMudhra the ideal partner for a mission-critical national infrastructure initiative.

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