Our client, a leading international payment network, had been sponsoring end-to-end level 3 tools for its acquiring partners. This endeavor incurred significant logistics and sponsorship costs across various regions, including shipping of physical test cards and tool procurement.

Our client sought to simplify the sponsorship of tools and shipment of physical card bundles for their acquiring partners with a centralized multi-user EMVCo L3TG-compliant self-test platform, which will be used by acquirers, merchants, Network partners and processors who can test and certify their terminal for the scheme's test framework. 

What did we do?

We leveraged our EMVCo-qualified multi-scheme L3 test platform, Tecto,. The tool consists of TSE, TT, and an integrated host responder. The platform was built to support automatic log attachment and real-time validations of pass criteria along with end-to-end process flow till Letter of Qualification (LoQ) generation.

To reduce physical test card shipments, we leveraged our EMVCo-qualified Tecto card simulator to develop an Android app that simulates contactless cards and personalizes contact cards using mobile NFC.

The features that were included in the cloud-based Level 3 testing and certification platform:

• Self-testing
• Multi-user, Parallel testing
• Centralized monitoring of the testing and certification of each entity
• Over-the-cloud updates
• Android app in Google Play Store
• Robust access control mechanism

What challenges did we address during this project?

We overcome these challenges as a part of this project:

1. L3 testing and certification challenges:

• Manually tracking and streamlining testing and certification workflow for each acquiring partner is time-consuming.
• Reduced testing efficiency and scalability
•  Coordinating with various stakeholders was a complex task

2. Using physical test cards bundle in L3 testing:

• Physical cards are challenging to maintain, update, and replace as it is expensive to ship to different regions across the globe.
• Increases the carbon footprint significantly

Benefits for the customer

This self-sufficient platform and cloud cards have removed all the costs of sponsoring and distributing L3 tools to this payment scheme. It gave complete centralized control to the scheme to manage end-to-end L3 certification without extra cost.

It will expedite certification for this scheme, increasing acceptance across the world and, at the same time, reducing the carbon footprint.