apacciooutlook logo

Girmiti Software Private Limited: The Pioneers in the Mobile Payment Industry

25 Most Promising QA/Testing Solutions Providers

Mobile payment systems incorporate security features that far outpace those of other payment methods. It stores user credentials in Secure Element (SE) attached to smart mobile devices and make use of NFC technology for transactions. But the challenges in implementing NFC are many as the management of the Secure Element remains complex and expensive. Host Card Emulation (HCE) comes as a savior here.

Based in Bengaluru, Girmiti Software develops cloud based HCE server software, which simplifies NFC Solution deployments. It benefits everyone—consumers, card issuers, 3rd party and Mobile Network Operators (MNOs)—who receive faster, more secure and easier way to manage card holder credentials and ease the payment process. Girmiti’s HCE solution is cloud based and uses Java technologies and other industry standard software components.



Girmiti’s software team specializes in implementation of end-to-end solutions, particularly in secure payment domain



Entrepreneurial skills combined with decade long leadership experience in software platforms, product development, software solutions and services prompted Sanjeev Patil to incept Girmiti. The company provides services spanning across business domains and technologies. Services include white label product development, region specific customization and implementation, consulting, quality assurance, automation and deployments, certification and others.These Services follow both onshore and offshore delivery models. Additionally, it provides professional software services in mobile payments,


mobile wallet, m-Commerce, NFC, BLE, EMV, POS, Data Intelligence, Web. One of core domain services offered by Girmiti Software is software testing where its team has vast and Third Party product implementations & integration services.

Sanjeev Patil, Founder and CEO, Girmiti, states “Our ‘customer-first’ business philosophy is driven by our vision. We adapt best practices to transform processes, striving to make technology deployments more flexible, trusted, safe, and efficient. We focus on the most optimal solution for our customers.” From consulting to planning and implementation, Girmiti Software works with customers to get them compliant with the industry standards and follows proven methodologies.experience in manual, automation, and performance testing of mission critical and highly available solutions.

Rigorous testing and analysis at each stage of the module development ensure thorough quality checks. Girmiti’s manual testing services include Regression Testing, Functional & Non Functional Testing, System Integration Testing, User Acceptance Testing, Automation Testing and Risk Based Testing to ensure the applications are production ready. Performance Testing is a unique offering which ensures that the system meets the performance criteria of live environment, and helps identify bottlenecks in architecture and design.

Girmiti also provides specialized testing services, covering Security Testing, Data Migration Testing, SOA Testing and UAT. The Company collaborates with its customers right from the beginning and suggests them test automation strategies that will speed up testing, UAT cycle and enhance application performance and security.

Girmiti’s software team specializes in implementation of end-to-end solutions, particularly in secure payment domain. Some of its reference point implementations include Mobile Payments solutions, Mobile Banking, Wallet, EMV Gateway, Prepaid Debit Issuance and EMV Reader applications. Girmiti is a technology partner of many product companies and helps them in implementing platforms, customizing their existing products, integrating applications and deployments, and training its customers. Girmiti’s experienced Certification Team guides customers and clients in certifying with 3rd party Payment Systems, Acquirers, Issuers, and Processors.

The company has served Retail Banking, Payments, Acquiring, Issuance, Prepaid, Remittance, Loyalty, Mobile and Device Manufacturers, Retailers, Restaurants, Sport Event Management companies, and Healthcare and Telecom industries. Currently, the Company has presence in India and USA, and has signed up partnership with customers spread across India, USA, Canada, Europe and APAC regions. Soon, Girmiti envisions to have more offices in APAC region.