Systems and methods for emv chip and pin payments

A method comprising:

• processing a chip and PIN transaction between a merchant and a consumer by a point-of-sale (POS) system executing on a mobile device of a merchant, wherein the mobile device is connected with a payment provider device of a payment provider;
• communicating, by the POS system executing on the mobile device, with the payment provider device reading a chip and accepting a PIN for the chip and PIN transaction;
• accepting the chip and PIN transaction, by the POS system executing on the mobile device, based on the communication of the POS system with the payment provider device and using a service of the payment provider.

A computer program product comprising a non-transitory, computer readable medium having computer readable and executable code for instructing one or more processors to perform a method, the method comprising:

• processing a chip and PIN transaction between a merchant and a consumer by a point-of-sale (POS) system executing on a mobile device of a merchant, wherein the mobile device is connected with a payment provider device of a payment provider;
• communicating, by the POS system executing on the mobile device, with the payment provider device reading a chip and accepting a PIN for the chip and PIN transaction;
• accepting the chip and PIN transaction, by the POS system executing on the mobile device, based on the communication of the POS system with the payment provider device and using a service of the payment provider.