STPay-Topaz-2 enhances flexibility, upgrades security for highest protection and future-proofing, and improves user experience

Geneva, Switzerland, July 1, 2025 -- STMicroelectronics has unveiled STPay-Topaz-2, its next-generation contactless payment card system-on-chip (SoC), offering more flexibility to support a wider variety of payment brands and ease stock management for customers. The new auto-tuning feature ensures reader-independent connection quality for an enhanced user experience, while advanced cryptography strengthens security and prepares the platform for upcoming, stronger industry standards.

ST has already supplied more than three billion STPay ready-to-use solutions to the payment market. STPay-Topaz-2 now introduces a specific feature which allows preloading the greatest quantity of payment applets per orderable part number in the market, which simplifies inventory management for card manufacturers. This innovation includes a unique product versioning which embeds the latest and most popular payment applets worldwide, including both VSDC2.8.1g1 and 2.9.2 Visa applets.

“Contactless payment has been a huge hit with consumers and the technology must now move forward as card suppliers strive to meet growing customer demand and more diverse market requirements,” said Bruno Batut, Banking & ID Business Unit Marketing Director, Connected Security Division, STMicroelectronics. “STPay-Topaz-2 can consolidate the largest set of payment apps on one orderable part number to simplify inventory management for card manufacturers, paving the way for further expansion in contactless payment popularity. We’ve also added auto-tuning to ensure the best tap-anywhere user experience and upgraded security ready for future standards including the forthcoming EMVCo C-8 kernel.”

The STPay-Topaz-2 is based on the ST31R480 secure microcontroller (MCU), manufactured in ST’s secure and certified facilities in France. The secure MCU achieved EMVCo certification in November 2024 and recently completed Common Criteria EAL6+ certification.

This STPay solution is ready for the payment industry’s adoption of stronger digital security, ranging from RSA/3DES encryption to advanced encryption standard (AES) and elliptic curve cryptography (ECC): it is designed to comply with the forthcoming EMVCo C 8 kernel. The platform also meets GlobalPlatform and Java Card standards, making it suitable for payments, loyalty programs, and custom applications.

With enhanced wireless performance, STPay-Topaz-2 also simplifies antenna integration for card manufacturers and enables efficient connectivity even with smaller antennas, providing greater design flexibility.

STPay-Topaz-2 samples are available immediately, with production already launched. 

For pricing and sample requests, contact your local STMicroelectronics sales office.

Please visit https://www.st.com/en/secure-mcus/stpay-topaz-2.html for for more information.

About STMicroelectronics 

At ST, we are 50,000 creators and makers of semiconductor technologies mastering the semiconductor supply chain with state-of-the-art manufacturing facilities. An integrated device manufacturer, we work with more than 200,000 customers and thousands of partners to design and build products, solutions, and ecosystems that address their challenges and opportunities, and the need to support a more sustainable world. Our technologies enable smarter mobility, more efficient power and energy management, and the wide-scale deployment of cloud-connected autonomous things. We are on track to be carbon neutral in all direct and indirect emissions (scopes 1 and 2), product transportation, business travel, and employee commuting emissions (our scope 3 focus), and to achieve our 100% renewable electricity sourcing goal by the end of 2027. Further information can be found at www.st.com.