#EMV Level 2 Kernel

[eazypaytech]

What is EMV Software and Its Key Components

In today’s digital age, payment security is paramount as cashless transactions surge globally. With this shift, businesses face heightened pressure to protect sensitive customer data. This is where EMV software steps in, offering a global standard that safeguards payment data through dynamic, encrypted interactions between chip-enabled cards and EMV-compliant terminals. This system is foundational for preventing fraud, as the chip generates unique transaction codes that thwart data breaches and unauthorized access.

What is EMV Software?

EMV (Europay, MasterCard, and Visa) software is a global standard for secure payment transactions that originated from Europay, MasterCard, and Visa (EMV). It facilitates communication between EMV-enabled payment terminals and chip-enabled cards, enhancing the security of card-present transactions. Unlike traditional magnetic stripe cards, which store static data, EMV cards contain embedded microchips that generate unique transaction data each time, making it nearly impossible for fraudsters to clone or misuse the card.

EMV Software Components

EMV software consists of various components that work together to provide a secure and efficient transaction process. Key components include:

EMV Kernel

The kernel is the core component of EMV software, responsible for managing communication between the card and the payment terminal. It interprets commands from the card, facilitating secure transaction processing. There are two types of EMV kernels:

Contact EMV Kernel: Used in terminals where the card is inserted, enabling direct communication.

Contactless EMV Kernel: Enables tap-and-go transactions, using NFC technology to communicate with the card.

Cryptographic Module

EMV transactions rely heavily on cryptography to protect data. The cryptographic module secures transactions by encrypting sensitive data and generating unique transaction codes, ensuring data cannot be reused by fraudsters.

Payment Application

This software component integrates with the EMV kernel to handle transaction management, authorization, and messaging. It manages the interaction between the EMV kernel, cardholder verification methods (such as PIN or signature), and the transaction host.

EMV Certification Support

Certification support tools and resources help developers and terminal manufacturers ensure compliance with EMV standards. These tools assist in navigating the certification process at each EMV level.

PCI DSS Compliance Tools

EMV software often includes features that support PCI DSS (Payment Card Industry Data Security Standard) compliance, helping merchants protect cardholder data and adhere to industry security requirements.

Tokenization and Encryption

Tokenization and encryption features minimize the storage of sensitive card data by replacing it with unique identifiers or tokens, further protecting the information from unauthorized access during transactions.

Levels of EMV Software Certification

EMV certification is divided into three levels, each focusing on different aspects of security and transaction processing:

EMV Level 1 Certification

This level focuses on the physical and electrical connection between the EMV card and the payment terminal. It certifies that the terminal hardware can interact correctly with EMV cards, ensuring secure electrical communication and reliable contact between the card and reader.

EMV Level 2 Certification

Level 2 covers the software components that handle chip transactions within the payment terminal. It ensures that the application software correctly processes EMV transactions, following international standards for data encryption, PIN verification, and secure communications.

EMV Level 3 Certification

Level 3 certification is specific to payment network requirements, verifying that a transaction is processed securely end-to-end. This level ensures compliance with network protocols (such as those from Visa, MasterCard, or American Express), allowing for transaction authorization and settlement in line with EMV standards.

EMV software plays an essential role in payment security by ensuring that each component of the transaction process from card insertion to transaction approval meets strict security standards. The three levels of EMV certification (Levels 1, 2, and 3) and various components like the EMV kernel, cryptographic modules, and compliance tools ensure that businesses can offer safe, compliant, and reliable payment solutions.

[paymentsolutionwitheverexpanse]

We help make sure that the technology used in credit and debit card payments is secure and works smoothly. We focus on something called the EMV L2 Kernel, which is part of the technology that makes card payments safe, whether you're using a card with a chip (contact) or tapping your card on a reader (contactless).

Our job is to customize this technology according to what our clients need. We then test it thoroughly to make sure it works correctly and meets the standards set by companies like Mastercard, Visa, Amex, Discover, and RuPay.

We provide solutions to companies that make devices and terminals used for card payments. Our goal is to make sure these devices and terminals follow the rules outlined in the EMV specifications. This ensures that when you use your card to pay, everything happens securely and smoothly.

About EMV Level 2 kernel testing :

We help companies test and support EMV Level 2 contact and contactless kernels for major brands such as Mastercard, Visa, Amex, Discover, RuPay, and more.

Additionally, we assist clients in filling out the ICS form, streamlining their requirements and guiding them through testing and debugging sessions.

[emvlevel2kernelsoftware-blog]

EMV Level 2 Kernel Approved

The term derives from regular utilisation of the method amongst Lebanese fraudsters. The insertion of your loop of plastic, metal, or perhaps cassette tape as aforementioned, to the ATM card slot. The customer's card then gets into, the transaction is processed, however the card cannot eject because of a lip for the end of the loop. The customer then leaves the ATM frustrated, and also the criminal awaits his moment to gather the credit card and money. Read our EMV Level 2 Kernel guide below, it is very interesting indeed.

But while ATMs are undoubtedly worthwhile and time saving for both banks as well as their customers, due to their design and simplicity of use, it's important to be extra vigilant when utilizing an ATM, because there happen to be cases when people are already robbed when working with them. While these cases are rare, it can appear to be we've become to accustomed to using ATMs and so are no longer cautious when utilizing our bank cards and PIN numbers in public areas. However, that is not to express that by using a cash machine is dangerous; not even close to it, but here are some tips to assist you be sure that withdrawing your dollars is easy, fast as well as, safe.

EMV Level 2 Kernel

Voice over Internet Protocol, commonly known more briefly as VoIP could be the technology which allows us to produce free and cheap calls online to friends, family and business associates around the world. Without it, computer programmes such as Skype and cellular phone apps such as Viber and iCall would not be in a position to exist.

The kind of interaction that industry is employed to having with bank tellers and cashiers is something that the significant number don't want to relinquish. There is commonly a feeling that by finding a partner in the flesh, the customer are able to enjoy better service. This means that nearly all reputable bank CEOs could not imagine making their services entirely automated, not nevertheless there is still such perception. However, opening and maintaining banks everywhere that the bank could have customers would have been a large financial drain and is not often practical.

2 months later with EMV Level 2 Kernel, for the 8th February 1879, the gang imprisoned police officers, stole their uniforms and then paraded themselves as re-inforcements from Sydney. In addition to the money stolen, Ned and the outlaws burned the mortgage deeds from the townspeople that have been held in the lending company. Such acts simply because this make Ned Kelly a folk hero in Australia to many people.

Technology That We Have Learnt to Take for Granted

The Greatest Inventors You've Probably Never Heard Of

We are all amassed and amazed in/by technology, to be sure it

virtual wired, virtual here or there, virtual wireless, virtual

When was the past time that you just visited/took advantage of the convenience of Pay-Pal, the ATM, the Kiosk, online financials, for example

Banking, or HR services - The Submittal of Cvl/Resume(s)

Service Software Dreaming

But while ATMs are undoubtedly worthwhile and time saving for both banks in addition to their customers, because of their design and convenience, it is advisable to be extra vigilant when you use an ATM, because there happen to be cases where people have been robbed when using them

While these cases are rare, it could look like we've become to utilized to using ATMs and therefore are don't cautious when you use our credit cards and PIN numbers in public

However, which is not to say that by using a cash machine is dangerous; faraway from it, but below are great tips to help you be sure that withdrawing your cash is easy, fast and also, safe

The Greatest Inventors You've Probably Never Heard Of

As a data terminal, an ATM must be attached to a bunch processor; this is the equal of an Internet Service Provider (ISP) insofar as it behaves as a gateway through which various ATM networks become available to the conclusion userMost host processors is capable of supporting the leased-line or dial-up machine, while using former connecting right to the host processor via a four-wire telephone lineThe latter works on the traditional line to connect for the processor by using a modem as well as a toll-free number

Finally, next time you want to that 'hole inside the wall' to withdraw cash, check your balance or top-up your mobile have you thought to spare a moment's thought to the inventor behind the automated teller machine AKA the ATM. Scottish inventor John Shepherd-Barron was credited with inventing earth's first ATM machine within the 1960s in which a branch of Barclays in London first installed the equipment. Using the thought of a naughty food dispenser since the catalyst for his creation, Shepherd-Barron took to make the monetary equivalent that has been first operated using chemically coded cheques. Nowadays ATM software programs are a multi-billion pound industry that extends right worldwide.

In case an in-office machine spits out the information, and then the FP issues a report, you must report the complete code CPT 93000 (Electrocardiogram, routine ECG with at least 12 leads; with interpretation and report), which certainly pays more than $26. However, determining which code to report when your practice doesn't deliver the tracing or interpret the results is more challenging.

The most common forms of fraud are card cloning and skimming. Cards have a magnetic stripe and, in some cases with embedded chip where all personal information are stored. Nevertheless, the electronic devices (called skimmers) used to record account data encoded on the magnetic stripe are easy to make.

How you determine which is the right one for you depends on how will you use it. When you pay always in fill your monthly statement, the best kind of credit card is the one containing no yearly fee and provides a grace period” for paying the bill without having to pay a finance fee.

A stripe on the back of a bankcard that contains magnetically encoded cardholder account information. The name of the cardholder is stored on Track I and the account number and expiration date are stored on Track II. Also referred to as MAG STRIPE.

Creditcall's 100% first time pass certification track record has ensured that to date over 1 million of our EMV Kernels are deployed worldwide in ATMs, PINpads, mobile chip card readers for smartphones, parking payment machines, kiosks and a multitude of other devices.

Besides the aforementioned info, for payments processed over Internet, merchants should have information regarding the transaction such as the card owner's contact information (phone number or email address), the date and time the order was placed, details of the order, or details of the conversation they had with the buyer.

Say Where: The name of a popular voice enabled application for the Apple iPhone device. Say Where is a free application that can be used to recognize your speech and input it as text into Web sites when using the Safari browser on your iPhone. The application is used to finding locations, directions and maps. for example, users can speak the name of a place, an address, or intersection and the application will show search result from a number of partners including Google Maps, MapQuest and others.

Let's face it, banks and financial institutions are in it for profit, not charity. They have been backed by the Federal Reserve since 1933. Last year alone, banks have made over 31 billion dollars just in overdraft fees! Even with a reported 14% drop in profits from overdrafts after the Financial Reform Act was passed by the U.S. Senate, banks are still making big money. Banks may be profiting less from overdraft fees, but the amount they charge for them have started to go up. The chart up over to the right displays what the average fee was in the last 4 years. Some banks charge well above the average. Bank of America for example, charges 35.00 and Fifth Third Bank will have the highest overdraft fee of them all, at $37.00 each item!

The main characteristic of a restaurant POS system is that an order of a guest may be recalled or deleted through the use of 'Bump Bars', which are essentially small components that have different buttons for different purposes. Apart from this, most POS systems for this type of business have wireless headset features that allow an order to be transmitted manually from a speaker to an employee who inputs the order. POS systems can be customized to suit well a vendor's different needs also. Large business clients can dictate their requirement through it to a retailer who provides the materials.

EMV cards do take a little bit longer to process because chip cards transmit an encrypted code that changes with every new transaction, Petoskey News Reported. Although these transactions typically only take a few seconds longer to finish than a swipe purchase, many customer have not been shy about voicing their displeasure with the increased wait time.

Each year on EMV Level 2 Kernel, one of the greatest concerns for ATM software developers may be the improvement of security measures. Since the ATM first appeared being a trusted banking machine, its security has become a concern for both customers and banks too. This is because ATM access relies upon on a card and PIN system, both of which could possibly be easily prone to theft.

Resources:

EMV Level 2 (L2) Kernel | AISCES

EMV - Wikipedia

EMV LEVEL 2 KERNEL TESTING - WEEBLY

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[payment-providers]

New Post has been published on Payment-Providers.com

New Post has been published on https://payment-providers.com/index-introducing-1-second-emv-pymnts-com/

Index: Introducing 1-Second EMV | PYMNTS.com

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The problem with EMV for most consumers and merchants comes down to speed, Visa and Index have learned. The change in hand motion didn’t really throw most customers off that much. Moving from a swipe to dip didn’t turn out to be so very fundamentally different from each other – and consumers learned to deal.

Waiting, on the other hand – that quickly turned into a problem for both sides of the transaction.

“What we heard from our partners is that longer lines equals lost sales. All of us can imagine that experience because we’ve all had it before at a QSR. Then you decide it is too long and you don’t want to wait. So any experience that extends the line – like waiting around for the EMV chip for an extra few seconds – has costs,” noted Marc Freed-Finnegan, co-founder and CEO, retail software provider Index.

Some of EMV’s speed issues were addressed in a remarkable way last summer when Visa released its Quick Chip solution. Index partnered with Visa on the first implementation of it (and later with Mastercard on the implementation of their faster EMV spec, MChip Fast). And as a result, the time for an EMV transaction fell from 7 to sometimes 8 seconds to something more like 2 to 3 seconds.

Which, Freed-Finnegan noted, was a good start – but also something they thought they could improve upon – because what they continued to hear from merchants was that even at 2.3 seconds, EMV costs them money.

“It was pretty simple to see that this was a major pain point for our retail partners. So we put a bunch of engineers in a room and asked them ‘how can we make this go faster?’”

And, that’s what they did. Today, Index is announcing that they have found a way to make the EMV transaction go faster – all the way down to a single second.

A New EMV Kernel

Cutting the speed of an average EMV transaction by more than half takes some work, of course.

“The major technical thing we did is to write our own EMV kernel and get it Level 2 certified from EMVCo – the governing body for standard around EMV. This was a big deal, and big project.”

The insight that drove the redesign, Freed-Finnegan noted, was the fact that even though EMV is new to the U.S. – it’s not a new technology –  it was designed for a very different marketplace. So, when EMV went online here, “a lot of the old was ported into the U.S.,” without really taking care to optimize it for its new American market. The 1-second EMV software removes those unnecessary legacy elements and allows its new kernel to perform much faster.

Better For Customers

Customers don’t want to wait – Freed-Finnegan noted – but they like guessing even less than they like waiting.

More than just re-aligning the hardware spec of their product- Freed-Finnegan noted, the 1-second EMV is also about rethinking the product experience for customers, who may have gotten off on the wrong foot with chip-tech in its earlier slower days. Part of that is bringing in the “dip-anytime” element so customers are able to insert their card whenever they want to instead of “waiting for a magic moment with a cashier” and then having to wait, after already having waiting to get to the checkout counter.

Index also sought to make the messaging clearer, because at some point a lot of the difficulty with EMV is that consumer may not know what to do, when to dip, when to enter information or why the machine is beeping loudly at them.

“We made the message really large and clear,” Freed-Finnegan said. “This may seem like a small thing but our information now takes up 20 percent of the pin pad. Consumers are not confused, they know where they are in the transaction. And we removed unnecessary screens and let those consumers dip whenever they wanted to, including at the beginning of the transaction.”

Easier For Merchants

But, as an entire merchant class that just lived through the great EMV terminal upgrade will cheerfully attest – changes, no matter how beneficial, should be weighed carefully since they are often costly.

But not in this case – Freed-Finnegan notes, because on the integration side, this is essentially a software update for POS terminals running Index already. For those that aren’t, he concedes, one might have to touch the device once during an install – but after that the software updates will be automatically pushed to the POS terminal.

And it is these kind of upgrades – that happen simply and make the experience exponentially smoother within the retail establishment – might be helpful in pushing hold-out categories of merchants toward greater comfort with adoption the EMV standard.

“When you look at EMV enablement in QSR, it’s much slower than other parts of the market. QSR is very sensitive about line speed of service – so much so that they have said ‘Ehhh, we are going to wait on EMV.’ At 1 second it is a non-issue. With the tech we’ve developed here speed is not real reason for fast casual or quick service to be wary.”

And 1-second, he notes, isn’t as well as Index plans to do – for the next generation of EMV cards, the goal is to knock that transaction time to fractions of a second. Because in retail , time is literally money – and even a few seconds have a tangible value.

Freed-Finnegan noted that, going forward, the times on EMV could even be pushed lower – into the nanosecond range – since further clearing up and out those legacy speed-bumps, even below the one-second time – will be apparent to merchants and customers.

“Imagine having technology that can go 500 miles an hour – and then finding out that a speed-limit of 5 miles an hour has been imposed on it because of legacy system constraints. We’ve identified something else that’s a drag on EMV transaction speed – and think we can get do even better than 1-second.”

And, no doubt there’s a bunch of engineers at Index HQ hard at work tackling that problem.

Source link

[businesswireindia]

FIME, the leading consultancy, testing and certification specialist, today announces its Indian laboratory is one of the first in the country to receive EMVCo accreditation to perform EMV®* Level 2 Contact certification testing. Local terminal manufacturers and kernel developers can now validate the compliance of their solutions within India, reducing certification time and costs.

[eazypaytech]

From Compliance to Convenience: EMV Level 2 Kernels for Modern POS Systems

 As the payment industry advances, businesses must adopt secure, compliant, and adaptable solutions for processing transactions. The EMV Level 2 (L2) Kernel, a vital component in POS terminals, enables secure and seamless interactions with EMV chip cards. EazyPay Tech’s EMV Level 2 solution, supporting both Contact and Contactless transactions, is designed to meet evolving industry standards and offers EMV certification support to help businesses achieve compliance with ease.

Why EMV Level 2 Kernel Matters for POS Systems

An EMV Level 2 Kernel is essential for managing the transaction dialogue between a POS terminal and EMV chip cards. By enabling secure communication and facilitating card validation, EMV L2 Kernels ensure that POS terminals remain compliant with global EMVCo specifications.

Key Benefits

Security: EMV L2 Kernels enhance transaction security, reducing the risk of fraud by adhering to stringent EMV standards.

Universal Compatibility: Supporting multiple card schemes, including Mastercard, Visa ensures that POS systems are accepted globally.

Flexibility: EMV L2 Kernels provide compatibility with both contact and contactless card readers, adapting to varied consumer preferences.

EazyPayTech’s EMV Level 2 Kernel Solutions

EazyPay Tech offers a versatile EMV Level 2 Kernel solution compatible with the latest EMVCo specifications for Contact and Contactless transactions, which enhances both security and user experience.

1. Contact Kernel

The EMV Contact Kernel processes chip card transactions with optimized speed and reliability. This solution supports major brands like Mastercard, Visa can integrate additional brands upon request.

2. Contactless Kernel

EazyPay Tech’s EMV Contactless Kernel supports tap-to-pay transactions, meeting both EMV Co standards and brand-specific requirements. With compatibility for Mastercard, Visa it’s future-ready to support next-gen payment methods.

Comprehensive Certification and Testing Support

EazyPay Tech’s EMV Level 2 Kernel solution includes certification and test support, easing the complexities of achieving compliance. Key services include:

EMV Certification for POS Terminals – Ensures all POS terminals comply with EMV standards.

POS Hardware & Software Certification – Verifies that both hardware and software components meet EMV compliance standards.

EMV Compatibility Testing – Conducts tests to confirm operability across diverse POS setups.

Level 2 Kernel Certification – Guides the L2 Kernel certification process for seamless regulatory compliance.

What Sets EazyPayTech Apart

EazyPay Tech’s solutions offer key advantages for businesses seeking reliable, compliant POS solutions:

Tailored Customization – Solutions can be adapted to meet unique brand-specific requirements.

Future-Ready Technology – Designed to evolve with the latest payment standards, ensuring long-term compatibility.

Streamlined Certification Process – EazyPay Tech’s certification support simplifies compliance, allowing businesses to focus on operations.

Simple Integration Process

Integrating EazyPay Tech’s EMV Level 2 Kernel solutions involves five key steps:

Requirement Assessment – Evaluating your specific needs for brand compatibility and transaction types.

Kernel Selection & Configuration – Choosing and configuring the appropriate Contact or Contactless Kernel.

Certification Support – Working with certification bodies to ensure full compliance.

Testing & Validation – Rigorous testing to confirm real-world performance.

Deployment & Support – EazyPay Tech provides ongoing support and updates, ensuring smooth operation.

In an increasingly digital and secure payment environment, EMV Level 2 Kernels are essential for compliant and efficient POS systems. EazyPay Tech’s comprehensive solutions simplify integration, streamline certification, and provide robust support for businesses to offer secure and seamless payment experiences. To learn more about EazyPay Tech’s EMV Level 2 Kernel solutions and certification support, connect with our team today. 

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

[girmiti]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

·         Certification with the Card Issuing systems

·         Certifying with Digital Wallet Platform

·         Certifying with Token Manager Platform

Certification for Contact EMV Cards

·         Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

·         Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

·         Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

·         Execution of the questionnaire test cases

·         Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

·         L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

·         Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

·         Execution of the questionnaire test cases

·         Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

·         L3 App for tPOS and mPOS devices

 Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

 Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

·         The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

·         Checking PG and POS compliance with MasterCard M/Chip program.

·         Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

·         Test cards for Visa acquirer device compliance testing (contactless).

·         Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

·         Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

 Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

·         Certification with the Card Issuing systems

·         Certifying with Digital Wallet Platform

·         Certifying with Token Manager Platform

Certification for Contact EMV Cards

·         Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

·         Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

·         Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

·         Execution of the questionnaire test cases

·         Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

·         L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

·         Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

·         Execution of the questionnaire test cases

·         Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

·         L3 App for tPOS and mPOS devices

 Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

 Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

·         The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

·         Checking PG and POS compliance with MasterCard M/Chip program.

·         Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

·         Test cards for Visa acquirer device compliance testing (contactless).

·         Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

·         Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

 Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com