EMV Level 3 Certification

This topic is an overview of the Level 3 certification with

Cybersource

and

Visa Platform Connect

. For details on how to design an EMV Level 3 certified payment application, see EMV Book 3 on the EMVCo website: https://www.emvco.com.

Certification

is a formal process that for validating the device and application compliance with card scheme acceptance requirements. The certification team uses a brand test tool and simulator. The consists of these elements:

Using a card simulator such as ICC or Fime.
Failed case analysis and resolution.
For Mastercard certification, your PTP submits results to Mastercard and pays the costs for approved partners that Mastercard uses.
For Visa certification,
Cybersource
submits results to Visa.
Waivers from the card schemes for exceptions.
Card scheme responses or Letter of Approval (LOA) to signify acceptance and Level 3 certification.

Although the processes and support for Global Card Present Connect projects and direct merchant and acquirer projects are different, the timelines are essentially the same.