NFC, HCE & Contactless

Accourt has worked with a number of players in the market in the past few years and has tracked NFC and Contactless technologies and those that have superseded them like barcodes, 3D barcodes etc., mainly due to the difficulty surrounding the business case.

In 2014 we worked on some specific HCE projects and are highly qualified to help you with NFC, HCE & Contactless payments issues.


Why NFC/Contactless?

Near field communication (NFC) is a set of ideas and technologies that enable contactless cards, mobile phones, passive RFID and other devices to establish radio communication with each other by touching them together or bringing them into proximity, typically a distance of 10 cm (3.9 in) or less. Each full NFC device can work in 3 modes: NFC target (acting like a credential), NFC initiator (as a reader) and NFC peer to peer.

Host Card Emulation (HCE) is the presentation of a virtual and exact representation of a smart card using only cloud based software. Prior to the HCE architecture, NFC transactions were mainly carried out using a Secure Element in a mobile phone or its SIM card. HCE enables the following: merchants to offer payment cards solutions more easily through mobile, closed-loop contactless payment solutions, real time distribution of payment cards and, more tactically, allows for an easy deployment scenario that does not require them to change the software inside the terminal.

Key questions & Accourt Focus:

  • How does HCE work?
  • How do I deploy an NFC/HCE infrastructure?
  • Which is best for my business, HCE or NFC?
  • Contactless & transport.
  • Benefits of accepting contactless cards for merchants?

Why Choose Accourt

We have a team of high calibre individuals who have successfully managed numerous Regulatory and Payment Scheme applications for organisations wishing to apply for full banking, electronic money and PI licences. Our seasoned experts have both the relevant IP, hands-on experience and operational know-how to ensure successful applications.

Strategic Expertise

Whether it’s helping organisations set strategic direction or review market opportunities, Accourt brings a wealth of experience and subject matter expertise to the payments space. One of the key differentiators at Accourt in assisting the payments industry with setting strategic direction is the strong subject matter expertise and practical operational know-how gained through deep managerial experience and P&L management.

Market Knowledge

Accourt brings real market knowledge across the payments value chain including providing organisations with market in-sights as well as assisting organisations to move into parallel markets or extending their current product set to address market segments previously underserved. At Accourt we pride ourselves on having the in-market geographic intimacy and breath of product expertise to assist in organising and implementing effective market entry plans  to achieve agreed business goals.


Accourt has built a reputation around its strong delivery capability, this has been achieved through marrying our subject matter expertise with proven project and programme management to deliver the desired client outcome. From product/vendor selection right through to programme delivery and business as usual, Accourt has the skills and knowledge to de risk and underwrite the success of projects in the payments industry.

Operational Effectiveness

Accourt assists clients with improving their operational effectiveness through cost reduction, streamlined processes and improved revenue contribution. Whether it’s benchmarking current performance against best in class or looking to reduce cost through operational efficiencies, Accourt has a wealth of operational expertise, performance data and proven processes to help organisations achieve their business goals.