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MAR
14
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EMV Certification is Challenging - How to Address it
Obtaining emv certification can be a challenging and time-consuming process for businesses and organizations that are involved in the development and deployment of EMV-compliant payment solutions. In this article, we will explore the challenges of EMV certification and offer strategies and best practices for addressing them.
EMV (Europay, Mastercard and Visa) is a globally recognized standard for secure payment transactions. EMV chip technology provide a more secure method of payment by using dynamic data authentication, making it nearly impossible to counterfeit or replicate payment cards. To ensure the effectiveness and reliability of EMV chip technology, EMV certification is required. However, obtaining emv certification can be a challenging and time-consuming process for businesses and organizations that are involved in the development and deployment of EMV-compliant payment solutions. In this article, we will explore the challenges of EMV certification and offer strategies and best practices for addressing them.
What is EMV certification?
EMV certification is the process of testing and validating the software component of a payment system that interacts with the EMV chip on a payment card. EMV certification ensures that the EMV kernel complies with the latest security standards and that it can process EMV transactions in a secure and reliable manner. The EMVCo organization is responsible for setting and enforcing the certification standards, which include various tests and requirements that must be met before certification is granted.Challenges of EMV Certification
The EMV Certification process is challenging due to several reasonsThere are several challenges that can arise during the EMV certification process . Some of the most common include
Complex Testing Requirements
The EMV certification process involves a
comprehensive set of tests that must be performed
to
ensure
the compatibility and security of payment applications. These tests can be
complex and
time-consuming and may require significant technical expertise and
resources.
Interoperability Challenges
Payment applications must be compatible with a wide
range of POS terminals and payment
devices in
order to be certified. This can be a significant challenge, as different devices
may have
different technical requirements and specifications.
Cost and Time to Market
The certification process can be expensive and
time-consuming, which can increase the
cost of
developing and deploying payment applications and delay their time to
market.
Technical Requirements
Payment applications must meet a wide range of
technical requirements in order to be
certified,
including security and performance standards, as well as interoperability with
existing systems.
How to address the EMV Certification Challenges?
There are several ways to address these challenges and improve the chances of successfully certifying an EMV kernel. Here are a few suggestions
Thoroughly understand the EMV specification
EMV certification requires a deep understanding
of the EMV specification, which defines
the protocols and procedures that must be followed for a card transaction to
be processed
successfully. Make sure you and your team have a thorough understanding of
the specification
before beginning the certification process.
Use a certified test tool
Use a certified test tool to ensure that your
EMV kernel complies with the EMV
specification.
These tools are designed to automate the testing process and helps identify
any issues that may
prevent your kernel from being certified.
Engage with a certification lab early
Certification labs can provide guidance on the
certification process and helps you
identify
potential issues that may arise during the testing process. Engage with a
certification lab
early in the process to ensure you have the necessary support and resources
throughout the
certification process.
Ensure quality assurance throughout development
Develop a robust quality assurance process to
ensure that your EMV kernel is developed to
the
highest standards. This will helps you identify any issues early in the
development process,
which can save time and resources in the long run.
Follow best practices
Follow best practices for software development,
such as code reviews, unit testing and
version
control. This will helps ensure that your EMV kernel is developed to a high
standard and is less
likely to encounter issues during the certification process.
Stay up-to-date with the latest developments
Stay up-to-date with the latest developments in
the EMV specification and certification
process.
This will helps you ensure that your EMV kernel is compliant with the latest
requirements and
can be certified quickly and efficiently.