Within EMV payment specification, use of an unattended terminal to accept a payment is allowed. Creating a device that has both EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a “card present” transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses pPOS devices and methods that can provide for card present e-commerce transactions with a payment kernel that is local and/or remote to a pPOS device. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF) and a secure element, wherein a payment kernel configured to process payment is local, remote, or split between local and remote to the device. In some embodiments, a pPOS device can further include a reader, a sensor switch, and/or a user interface function.