EMV payment company? Ideally, it’s customer facing and can detect when a chip card is swiped, prompting the customer to insert the card instead. Proper EMV processing protects businesses from bank-initiated chargebacks. Simple enough, right? It’s actually not. Every terminal must go through extensive testing to become EMV certified. Let’s get these levels of EMV certification explained.

EMV cards are either inserted into the terminal slot, known as “card dipping,” or they can be contactless using near field communication (NFC) to transfer data by merely tapping the card on the terminal. Cards may also support both methods. See NFC.

This requires the terminal to perform many stages of complex processing, including cryptographic authentication, to successfully complete a transaction. This means that adding support for EMV to existing payment applications can be a daunting task. For more information on the main processing steps required in an EMV transaction, please review this diagram showing a typical EMV Transaction Flow.

Our aim is to help companies to complete EMV Level 2 and Level 3 contact and contactless certification smoothly and in a short time. We use any test tools that the client selected to test cards, terminals, hosts, and payment networks. We provide payment testing & certification services to assist stakeholders. We help your team to give real-time answers to technical, and non-technical EMV questions and subjects. Find additional details at EMV payment services.