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Payhuddle assists a leading payment network by developing a web-based L2 test platform

Quick Summary

  • A leading international payment network faced heavy logistics and sponsorship costs from shipping physical test cards and tools to acquiring partners across regions for EMV Level 3 testing.
  • We built a centralized, cloud-based self-test platform on Tecto, replacing physical card bundles with an Android app that simulates contactless cards and personalizes contact cards over NFC.
  • Removed the costs of sponsoring and distributing L3 tools, centralized network control across 150 acquirers, merchants, and processors.

Our client, a top payment network, spent a lot each year sponsoring level 2 test tools for multiple vendors. However, these tools were outdated, desktop-based, and didn't track testing progress well. They needed a more efficient and cost-effective solution, so they asked us to create a web-based test platform for kernel testing. This would save money and make it easier to monitor progress.

What did we do?

We introduced Mantle, our web-based L2 test platform, to simplify testing processes. Hosted on a single server, Mantle streamlines testing progress for terminal manufacturers and L2 kernel developers. This platform enables efficient testing and certification of payment-network-specific L2 kernels, ultimately reducing development time and costs.

Key features of the Mantle L2 kernel test platform include:

  • Multi-use and parallel testing capabilities
  • Testing of kernels against proprietary contactless kernel requirements
  • Centralized monitoring of testing progress by network
  • Cloud-based updates for test case libraries
  • Robust access control mechanisms

What challenges did we address during this project?

1.  With our unified web-based platform, we slashed the need to juggle multiple desktop applications, freeing up valuable resources for more strategic initiatives.

2.  We revolutionized the cumbersome process of tracking testing progress for each acquirer and L2 kernel developer, providing unparalleled visibility and control.

3.  We improved testing throughput by harnessing multi-user and parallel testing capabilities and slashed overall testing time, delivering results at speed.

4.  Our implementation of over-the-cloud updates for test case libraries enhanced efficiency, ensuring seamless monitoring and updating of test cases with unprecedented ease.

Benefits for the customer

The payment netwo could replace their desktop-based L2 kernel testing application with the web-based L2 kernel testing application and go live within 12 weeks.

It reduced their administrative overhead by 80% and tool sponsoring cost by 100%.

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