NCMC Transit Solutions

NCMC Balance Update
on Android Devices

Uvik's white-label SoftPOS SDK enables secure NCMC balance updates on any Android device—smartphones, POS terminals, and tablets—eliminating the need for dedicated hardware.

💳

NCMC Card Management

Full support for RuPay NCMC card reading, balance inquiry, and top-up operations with offline capability.

🔒

PCI-Certified Security

Complete PCI certification stack (MPOC, DSS, PIN, SSF-S3, SSF-SSLC) ensuring highest security standards.

⚡

Rapid Integration

Intent-based SDK with white-label UI components. Deploy in 1-2 weeks with minimal development effort.

Background

What is NCMC?

National Common Mobility Card (NCMC) is a RuPay-based contactless card specification developed by NPCI for unified payments across transit, retail, and tolls. It enables offline transactions for speed and reliability.

🚇

Transit Use Cases

Metro systems, buses, parking, and toll payments with sub-300ms transaction speeds—even offline.

🏪

Retail Interoperability

NCMC cards work at all RuPay-enabled merchants, providing seamless payment experience.

📶

Offline & Online Modes

Balance updates work in real-time online or queued for batch settlement when connectivity returns.

🔐

EMV-Compliant Security

Secure element storage, cryptographic authentication, and tamper detection built-in.

Technical Flow

How Balance Update Works

Uvik's SDK orchestrates the complete NCMC balance update lifecycle—from card detection to cryptographic verification to updating the card's secure element.

1 Card Detection: NFC antenna reads NCMC card AID and establishes secure channel.
2 Balance Inquiry: SDK reads current balance, transaction log, and card status from secure element.
3 Top-Up Request: User specifies amount. SDK validates against card limits and generates cryptogram.
4 Authorization: Backend HSM verifies cryptogram and approves top-up (online or offline queue).
5 Balance Write: SDK writes new balance to card's secure element using signed APDU commands.
6 Receipt & Sync: Transaction logged locally, synced to backend for reconciliation and audit trail.

Complete Balance Update Flow

6-step visual walkthrough of NCMC balance update on Sunmi P2 Pro

STEP 1

Card Detection

NFC reads card AID

Waiting for Card Tap
📶

Balance Update

NCMC
Tap NCMC Card
Hold near NFC reader
STATUS
● Listening...
RuPay V2.0
READY
STEP 2

Balance Inquiry

Reading secure element

Reading Card Data
📶

Balance Inquiry

NCMC
•••• •••• •••• 4829
Card Type
NCMC Transit
Network
RuPay
Current Balance ₹1,250.00
Last: ₹45.00 14 Jan 2026
Reading SE
AID A000...3010
Status ● Active
TX Count 127
RuPay V2.0
READING
STEP 3

Top-Up Request

Validate & generate cryptogram

Enter Top-Up Amount
📶

Top-Up Amount

NCMC
Current Balance
₹1,250.00
Enter Amount
₹500
✓ Within limits
Validation
New Balance ₹1,750.00
Card Limit ₹3,000
Status ● Valid
RuPay V2.0
VALID
STEP 4

Authorization

HSM verifies cryptogram

Authorizing Transaction
📶

Authorization

NCMC
Verifying HSM
Cryptogram auth...
Processing
Cryptogram ✓ Done
HSM Verify ● Progress
Auth Code Pending
RRN 425...2031
Connection
● Online Auth
RuPay V2.0
AUTH
STEP 5

Balance Write

Write via APDU commands

Writing to Card
📶

Balance Write

NCMC
•••• •••• •••• 4829
Card Type
NCMC Transit
Network
RuPay
Writing Balance
● Updating SE...
APDU
Previous ₹1,250
Top-Up +₹500
New ₹1,750
Status ● Writing
⚠️ Keep card near reader
RuPay V2.0
WRITING
STEP 6

Receipt & Sync

Log & backend sync

Balance Updated
📶

Top-Up Success

Balance updated
Previous ₹1,250
Top-Up +₹500
New Balance ₹1,750
TX Details
RRN 425...2031
Auth Code 947253
Terminal MSRTC-0847
Time 14 Jan, 10:45
Sync ● Synced
RuPay V2.0
SYNCED
Hardware

Device Compatibility

Uvik's SDK is hardware-agnostic and runs on any Android device with NFC capability. Optimized for transit-focused hardware like Sunmi, PAX, and Newland terminals.

📱
Android 8+
Minimum OS Version
📡
NFC
Required Hardware
⚙️
ARM/x86
Supported Architectures
✓ Sunmi P2 Pro, P2 Mini, V2 Pro
✓ PAX A920, A50, A920 Pro
✓ Newland N910, N950, N86
✓ Any NFC-enabled Android smartphone
✓ Offline capability for connectivity gaps
✓ Google Play Integrity verified
📲
Device Compatibility Matrix Visual
device-matrix.png
Suggested: Grid of device icons (smartphone, POS terminal, tablet) with checkmarks
Security

Security & Compliance

Uvik holds the complete stack of PCI certifications and is the world's only Transit-certified SoftPOS solution for NCMC balance update operations.

✓
PCI MPOC
✓
PCI DSS
✓
PCI PIN
✓
PCI SSF-S3
✓
PCI SSF-SSLC
✓
RuPay Terminal V2.0
✓
EMVCo L1 & L2
✓
Transit Types 91-94
🔒 End-to-end encryption with HSM integration
🔒 Tamper detection and device attestation
🔒 3DES DUKPT key management
🔒 Secure storage with Android Keystore
🏅
PCI & Network Certification Logos
certification-badges.png
Suggested: Row of official certification logos (PCI, EMVCo, Visa, Mastercard, RuPay)
Implementation

Integration Effort

Uvik's SDK is designed for rapid integration with minimal development effort. Most partners go from initial setup to production deployment within 1-2 weeks.

Typical Integration Timeline
1-2
Weeks to Production
⚡ Day 1-3: SDK setup, documentation review, sandbox access
⚡ Day 4-7: Intent-based integration, white-label UI customization
⚡ Day 8-10: Testing, certification support, UAT environment
⚡ Day 11-14: Production deployment, monitoring, go-live support
What's Included in Integration Package
  • Private Maven repository access for SDK artifacts
  • Complete API documentation and integration guides
  • Sandbox environment with test cards and simulators
  • White-label UI components and branding toolkit
  • Dedicated technical support and onboarding assistance
  • Certification guidance for network approvals (Visa/MC/RuPay)
  • T+1 settlement via SFTP with reconciliation dashboard
🔧
SDK Integration Architecture Diagram
integration-architecture.png
Suggested: Flowchart showing Partner App → Uvik SDK → Backend → Card Networks

Ready to Deploy NCMC Balance Update?

Schedule a technical deep-dive to explore white-label integration for your transit or mobility platform.

📧 rahul@uvik.in 📞 +91 92 8686 8300 🌐 uvik.in