Abstract: A virtual point of sale (POS) can include logic, firmware and executable instructions to create a secure session between the virtual POS device and a host POS. The virtual POS can receive payment credentials according to a near field communication (NFC) compliant protocol and generate an encrypted PIN block. The virtual POS device can encapsulate the PIN block with payment credentials and transaction details. The encapsulated and encrypted PIN block is sent to an external interface in association with a payment authorization request. An approval or denial of the payment authorization request is received at the virtual POS device.