Payhuddle unveils Tecto Intelligence at Global Fintech Fest 2026: A deterministic diagnosis feature for EMV Level 3 testing

Payhuddle Solutions launched Tecto Intelligence at Global Fintech Fest 2026, a new diagnostic layer within Tecto to automate root-cause analysis for EMV Level 3 certification testing.

Used by acquirers, terminal vendors, and certification teams, the tool reads the log files a certification lab would check in real time. It determines not just whether a test case passed or failed, but exactly where the fault is, be it the terminal, the card, the host, or elsewhere in the transaction chain.

"You've seen it at our booth: not all intelligence is artificial; some of it certifies payments. That's exactly what we're launching today," said Prakash Sambandam, CEO, Payhuddle Solutions. "The real challenge in terminal testing was never just knowing whether a terminal passed or failed. It's finding out where the issue actually is: the terminal, the card, or the host.

We're the first to bring a product to market that identifies exactly who's at fault. And we've built it on deterministic intelligence, not generative.

That means the answer is consistent every time, and never a guess. This is just the first step.

Attribution tells you where the fault is.

Propagation tells you what else it affects, so you're not re-testing the same root cause fifty times over."

"Tecto Intelligence changes what certification teams can expect from a test failure," said Goutham YV, Sales Director, Payhuddle. "For years, the hardest part of EMV L3 certification wasn't running the tests.

It was everything that happened after a failure: hours spent tracing a tag through complex logs, cross-referencing terminal, card, and host data. Sometimes also re-running cryptographic checks by hand to rule out a key issue.

The new Intelligence feature turns that entire process into a single click.

For our customers, that means faster certification cycles, less dependency on hard-to-find EMV expertise, and a report they can hand straight to a vendor or issuer with complete confidence."

It is live today for the Discover payment network, with expanded network coverage to follow.

Headquartered in Bengaluru, India, Payhuddle Solutions specializes in payment testing, certification, simulation, and validation tools.

The company enables faster go-to-market for issuers, acquirers, payment networks, and terminal vendors through domain-led engineering and automation solutions.