Terminal Integration

A platform that helps simulate hosts – acquirers, issuers, and networks with real-time validation

Terminal Integration certification and acceptance is mandated by all payment brands before acquirers and processors can deploy their terminals in the market and do transactions.

At PayHuddle, we have years of experience helping thousands of acquiring banks and processors perform their terminal integration (contact and contactless) across payment schemes.

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Our Solution

We have a Level 3 test tool, Tecto, qualified by EMVCo that can be used for testing, analysis, and log submission to payment schemes. This will help in expediting the certification.

We also have a platform, Lithos, which helps simulate hosts – acquirers, issuers, and networks with real-time validation. It also performs automated log analysis and expedites compliance of terminal acceptance environment with payment scheme requirements. This helps in debug and pre-certification validation that ensures payment scheme certification in single iteration.

Besides, we provide consulting services to acquirers and processors, and handhold through the certification right from the beginning till they get their Letter of Approval (LoA) from different payment schemes. 

Our team has the experience of delivering 100s of certifications for acquirers and processors across payment schemes.

Contact Us

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We will not spam you with thousands of emails or calls. One of our product experts will reach out to you and schedule a time for the demo.

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Frequently Asked Questions

What is terminal integration?

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Terminal integration is the process of ensuring your payment terminals work correctly with payment networks and host systems, and that they comply with EMV and payment scheme requirements. It includes development support, testing, debugging, and certification, preparing your terminals for real-world transactions.

Who needs terminal integration services?

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Terminal integration services are essential for:

  • Terminal manufacturers are bringing new devices to market
  • Acquirers deploying terminals in their merchant network
  • Payment processors integrating payment acceptance infrastructure
  • Anyone facing delays or challenges in terminal certification

What are the biggest challenges in terminal integration?

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Challenges that slow you down:

  • Keeping track of the complex EMV and payment scheme requirements
  • Showstoppers issues identified during testing phases
  • Managing multiple scheme certifications simultaneously
  • Coordinating with different entities for resubmissions and certification delays

Our tools and consulting experts help you avoid these obstacles efficiently.

How does Payhuddle accelerate certification timelines?

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We speed up your certification through:

  • We use Tecto, our qualified L3 testing for efficient, automated testing
  • Hands-on guidance through the complete certification process
  • The knowledge of our subject matter expert helps you pass the first iteration

This combination minimizes resubmissions and gets you certified faster.

Which payment schemes do you support?

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We support terminal integration certification across all major payment schemes:

  • Visa
  • Mastercard
  • American Express
  • Discover
  • UnionPay
  • JCB
  • RuPay

Our experience spans global and regional markets, so your terminals meet diverse requirements.

What if we have already failed certification or faced issues?

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We help you get back on track. Our team can:

  • Diagnose the root causes of your certification failures
  • Provide targeted solutions using our resources
  • Guide you through fixing issues efficiently
  • Support you through re-certification

Many customers reach out to us after facing challenges with previous attempts. We specialize in turning those situations around.

What's included in your terminal integration services?

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Our comprehensive support covers:

  • Development phase guidance
  • Testing and validation using certified tools
  • Pre-certification debugging and issue resolution
  • Formal certification support and submission
  • Post-certification assistance

We are with you from development through deployment.

How long does terminal integration typically take?

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The timeline varies based on your payment terminal's complexity and readiness, but our tools and experts minimize the time required compared to weeks.