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In today’s payment world, EMV Level 3(L3) certification is one of the most challenging and time-consuming processes for acquirers and terminal vendors. A typical L3 certification process for major brands (MasterCard, Visa, Amex, and Discover) takes between 3 and 6 months. In this article, we will analyze reasons making the process so challenging and time-consuming […]

Although EMV technology brings a lot of advantages, one side effect with it is the increasing number of field issues and complications of management of them. The field issue means that there is something unusual during an EMV contact/contactless transaction which may potentially be the reason for a transaction decline or negative user experience. Field […]

So far, there have been 2 main obstacles for smartphones to accept card-present payment transactions in retail locations : Security on the PIN entry on the phone The necessity for additional hardware to read EMV chip transactions. However, recent trends show that both of these obstacles will probably not be an issue anymore in the […]