EMV Level 3 certification (L3) is the crucial final step that validates the entire terminal system—from the payment application and EMV Level 2 (L2) kernel to the acquirer host system. At Fairbit, we help you navigate this complex terrain so you can launch payment solutions faster and with confidence
EMV Level 3 Certification Services
Fairbit provides comprehensive EMV Level 3 Certification Services tailored to ensure rapid time-to-market, regardless of your chosen hardware or the card brands you intend to accept. Our seasoned team boasts 20+ years of hands-on experience in EMV L2 and L3. This deep knowledge allows us to expedite your project and provide expert problem resolution for issues related to the POS application, test tool, payment gateway, or acquirer host during testing.
Here is how Fairbit ensures maximum flexibility across card brands, device types, and acquiring systems during the critical L3 phase.
1. Unified Certification Across Diverse Device Types
The traditional method of embedded kernels means that EMV Level 2 kernel software is hardware-oriented. Consequently, different devices—such as mobile SoftPOS, mPOS devices, and countertop terminals—would require different EMV L2 kernel software and separate maintenance platforms.
2. Streamlined Support for All Major Card Brands
When pursuing EMV L3 certification, supporting a wide range of card schemes is essential for maximum merchant acceptance. Fairbit’s EMV L3 certification service covers key international payment brands for a single acquirer, including:
• MasterCard
• Visa
• American Express (Amex)
• Discover
• JCB
• UPI (referring to payment standards like RuPay mentioned in secondary L2 certifications)
3. Accelerated Integration with Different Acquiring Systems
A core requirement of L3 certification is acquirer integration. Fairbit’s consultancy aims to ensure your EMV Kernel is certified with any Acquirer and helps you define the scope of the certification, which includes filling out data collection forms (specifying supported brands and AIDs, CVM methods, etc.).
4. Our services include
Project Scope Definition, EMV Parameter Configuration, and Host Regression Tests. We provide support to:
1. Define Host Integration Methodology: Including determining whether the EMV Kernel and parameters reside on the Cloud or on the device.
2. Manage EMV Parameters Centrally: In a traditional embedded kernel environment, changing EMV terminal parameters (like CVM limits or Certificate Authority public keys) requires pushing updates to every mobile phone in the field.
Fairbit provides testing services and EMV consultancy to fix L3 test failures, ensuring that all requirements are met for acquiring systems before Letters of Approval (LOAs) are received from the payment brands.
