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,
    Cybersource
    submits 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.