Powering DCI Issuer Host certification for a leading bank in India

Context

A top private bank in India needed to pre-certify their issuer host for Discover Global Network’s D-PAS DCI certification.  

They had dedicated in-house debugging and certification teams. Despite that, they faced the following challenges:  

1. Managing complex test environments  

2. Waiting for scarce certification slots with the network  

3. Manual debugging cycles that slowed down deployment  

To overcome these challenges, the bank evaluated multiple tools that offer issuer host test capabilities for Discover D-PAS debugging.  

After careful evaluation, those chose to go with Payhuddle’s Lithos.

Why did they choose Lithos?

It was a strategic fit for certification and debugging.  

Lithos stood out for a number of compelling reasons:  

Functionality

• Dual-use tool for both debugging and certification readiness testing  

• Supports ISO 8583:1987 & ISO 8583:1993

• Cloud-based simulator for issuer, acquirer, and network testing  

• Discover-certified tool with Discover DCI ATS & ITS support for host certification  

Test Management

• Centralized test case management  

• Test cases, testing, and automatic analyzer integrated  

• Configurable test cases to match the certification requirements  

Flexibility and cost-effectiveness

• Deployed as a service (SaaS model)

• Pay-as-you-go pricing  

• Scalable, modular, and pluggable architecture. It can be extended to accommodate debugging for other payment schemes in the future.  

Support

• Fast support SLAs with responses in hours and not days.  

• Agile and responsive customer service.

How Lithos helped from evaluation to certification confidence

Lithos helped both banks go from debugging to certification in a smooth, structured workflow:

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Lithos allowed the bank to self-debug and validate their systems in-house without waiting for formal test windows. The real-time analyzer and test case traceability ensured higher accuracy and confidence before certification.

Benefits for the customer

1. Avoided network scheduling delays by pre-validating host systems and ensured faster time-to-market.

2. Debugging and one iteration certification success minimized the certification timelines and effort.

3. Centralized test cases and dashboards reduced manual efforts and overhead.

4. The platform is extendable to other payment types like QR and e-com and supports Visa/Mastercard host debugging.  

5. With a subscription-based pricing model, it was easy for the bank to debug and certify their hosts without too much overhead and administrative costs.  

Lithos has proven to be a powerful enabler for banks looking to accelerate certification timelines, simplify host debugging, and move fast with confidence in the Discover DCI ecosystem.