Context
Our client, a Fortune 500 company and one of the world's largest payment processors needed to perform end-to-end testing, validate, and certify their Tap to Pay application (for both Android and iOS) for EMV Level 3 with several international and domestic payment schemes.
The payment schemes included Visa, Mastercard, Discover, Amex, JCB, UnionPay, and EFTPOS.
These certified applications would be deployed on POS terminals across the APAC region through their acquiring partners.
For this certification, the client decided to work with Payhuddle.
Customer objectives
The client had two clear goals.
- Accelerate EMV Level 3 certification timelines for Android and iOS Tap to Pay applications.
- Simplify the entire certification process, avoiding the complexity of managing multiple stakeholders and scheme requirements internally.
Our solution
Payhuddle provided end-to-end consulting and execution from onboarding and prerequisite checks to testing, issue-fixing, debugging, and final certification.
What did we do?
- Validated all critical prerequisites, including EMV Level 2 and TQM certificates.
- Used our automated EMV Level 3 testing and certification platform, Tecto, for all international schemes.
- Completed testing in the first iteration for all major networks. We submitted certification logs for Visa and Mastercard, while the client submitted logs for Amex, UnionPay, JCB, and EFTPOS. Enabling a market-ready rollout within five months.
- Worked closely with global teams and stakeholders to identify and resolve reported issues
Process flow of EMV Level 3 consulting and certification
Project kick-off
Confirming the project scope and explaining the certification process
↓
System readiness
Receiving Android and iOS devices from the customer
Tap to Pay application setup
Connectivity setup
ICS filling and confirmation.
↓
Setup
Creating project
Checked for applicable test cases and L3 application configurations
↓
Execution
Execution of all applicable test cases
↓
Validation
Reviewing test results and test evidence
↓
Project closure
Submitted logs to schemes and received LoA
Key challenges addressed
- Remote coordination: We managed seamless collaboration between the client's distributed app development teams and the payment schemes.
- Region-specific requirements: Our expertise in scheme-specific and region-specific EMV contactless configurations was crucial to success.
- Smooth execution: We ensured minimal disruption to the client's operations during the rollout.
- Stakeholder approvals: We handled all communication to secure necessary certifications, waivers, and scheme approvals.
Benefits for the customer
- The entire certification cycle, from planning to final approval, was completed in just five months.
- With our expertise in end-to-end testing and validation Tap to Pay applications for Android and iOS were certified successfully on the first iteration across all targeted schemes.
- The client was free to focus on product development while we handled every aspect of EMV Level 3 testing and certification.
