hello,sir. I'm a professional programmer with 6 years of experience. I've already done this kind of project before. If you award me, I'll implement all of your requirements in a short time.
EMV chip software
C Programming, C++ Programming, Java,
I have a rich experience on chip card personalization and transaction testing.
For making new cards, it depends which chip you use and which payment scheme you use. Visa/Mastercard/UnionPay ARQC algorithm is different.
So we need more discussion on your requirement details.