# WisePIN — Business beyond Point of Sale

> Secure PIN-on-Mobile payment processing for merchants on consumer devices. (iPhone/iPad app by BBPOS LTD.)

- Source: https://appshunter.io/ios/app/wisepin/id1232107638 (this page in markdown: same URL + `.md`)
- Developer: [BBPOS LTD](https://appshunter.io/developer/667192864)
- Category: Business, Finance
- Price: Free
- Rating: 1.00/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 11.0 · 36 MB
- Languages: American English
- Released: 2019-01-12
- Data updated: 2026-06-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/wisepin/id1232107638/reviews.md

## What is WisePIN?

What is POM? (PIN-on-Mobile or PIN-on-COTS)

Traditionally, PIN Entry for Chip and PIN or PIN Debit has been implemented on special hardware with a physically secure numeric PIN Pad.  In January 2018, the PCI Security Standards Council announced a new method for secure PIN entry called PIN on Mobile that allows the use of Consumer-Off-The-Shelf (COTS) devices. 


Why was this new PIN-on-Mobile system created?

Merchants, especially small and micro merchants, need a lower cost, more easily available solution than traditional hardware-based PIN entry terminals. This enables these merchants to accept card payments and, therefore, result in increased card payment volumes. In addition, many governments are now advocating for card payments as a way to disburse governments benefits, track and collect taxes as well as fight corruption that can be occur with large amounts of cash.


What is needed to support PIN-On-Mobile?

The secure end-to-end PIN-on-Mobile solution is defined by the Payment Card Industry (PCI) Software-based PIN Entry on COTS Security Requirements.  All systems must have the following components to meet the requirements:

• A Secured Application
- For PINned transactions, the secured app will generate PINPAD for PIN Entry
- PIN is encrypted by an AES key which is protected by Whitebox Cryptography. The AES key will be updated once per month

• Backend Security Monitoring Component 
- Sends notification and disables the device if abnormality is detected
- A heart beat signal monitors the integrity of device and the secure application running on the device

• A Secure Card Reader 
- PCI PTS 5.0 certified EMV card reader without MSR reader
- Acquirer PIN key is injected into the device for Encrypted PIN block generation

## Key features

- PIN-on-Mobile transactions
- Secure PIN entry on consumer devices
- AES encryption with Whitebox Cryptography
- Backend security monitoring
- PCI PTS 5.0 certified card reader integration


## Frequently asked questions about WisePIN

### What is WisePIN?

WisePIN is a secured application that generates a PIN pad for secure PIN entry on consumer devices, enabling PIN-on-Mobile transactions. It is designed to be a cost-effective solution for merchants to accept card payments.

### How does WisePIN ensure transaction security?

WisePIN uses AES encryption protected by Whitebox Cryptography for PIN encryption, with the AES key updated monthly. It also includes a backend security monitoring component to detect abnormalities and ensure device integrity.

### What hardware is needed to use WisePIN?

To use WisePIN, you need a PCI PTS 5.0 certified EMV card reader without an MSR reader. The acquirer PIN key is injected into this device for encrypted PIN block generation.

### Is WisePIN available on all devices?

WisePIN is supported on iPhone, iPad, and iPod devices. It is designed to work with consumer-off-the-shelf (COTS) devices.

### How often is WisePIN updated?

The latest version of WisePIN is 2.0.15, and it was last updated on June 12, 2024. This indicates regular updates to maintain security and functionality.

### What is the rating for WisePIN?

WisePIN has a rating of 1.0 stars based on 2 ratings. This suggests a low user satisfaction based on the limited available feedback.

### Does WisePIN have ads?

No, WisePIN does not contain advertisements. The app is free to download and use without any ad interruptions.

### What is the age rating for WisePIN?

WisePIN has an age rating of 4+. This means it is suitable for users aged 4 and above, indicating it contains no mature content.

## Version history (last 5 releases)

### 2.0.15 — 2024-06-12

fixed some UI bugs

### 2.0.14 — 2024-04-30

updated library to latest

### 2.0.13 — 2023-02-10

Add USB-C support for iPad with M1 processor.

### 2.0.12 — 2022-08-18

- Minor bug fix

### 2.0.11 — 2021-09-08

- Minor bug fixes

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## More apps by BBPOS LTD

- [Chipper OTA](https://appshunter.io/ios/app/chipper-ota/id1589744317)

All apps by BBPOS LTD: https://appshunter.io/developer/667192864

## Related topics

[bbpos ltd](https://appshunter.io/ios/topics/bbpos-ltd) · [bbpos](https://appshunter.io/ios/topics/bbpos)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-01.*