EMV L3 Certification
This topic is an overview of the Level 3 accreditation with
Cybersource
and Visa Platform Connect
. For details on how to design an EMV Level 3 certified payment application, see EMV Book 3:
Certification is a formal process to validate the device and application compliance with
card scheme acceptance regulations. The certification team uses a brand test tool and simulator. The process involves:
- Using a card simulator such as UL, 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,Cybersourcesubmits results to Visa.
- Waivers from the card schemes for exceptions.
- Card schemes responses or Letter of Approval (LOA) to signify acceptance and Level 3 certification.
The processes and support for Global Card Present Connect projects and direct merchant and acquirer projects are different, but the timelines are essentially the same.