The customer is a Fortune 500 organization and one of the largest payment processors in the world that offers solutions for banking, merchant acquiring, billing and payments, and point-of-sale. They wanted their contact/ contactless POS terminals to be EMV level 3 tested and certified by international and domestic payment schemes like Mastercard, Amex, JCB, and RuPay. They decided to work with Payhuddle. They will deploy the certified POS Terminals for their acquiring partners in the APAC region.

What did we do?

We started the consulting process by planning all testing and validation activities after checking all the essential prerequisites, such as the validity of EMV Level 1 and 2 certificates and TQM certificates.

We handheld the customer from onboarding, testing, and debugging to certification. We tested and completed certification of the POS terminals for both contact and contactless with Mastercard, Amex, JCB, and RuPay in the first iteration using our automated EMV Level 3 terminal testing and certification tool - Tecto. The customer was able to go to the market within three months.

What challenges did we address during this project?

1. The implementation should not interrupt the customer's existing business operations.
2. Establish and remotely coordinate with different stakeholders in the project: the development teams of the payment processor located at various locations, the terminal vendor, and the payment scheme.
3. Knowledge of the compliance requirements of the payment brands for the contact and contactless testing and certification requirements for different regions.
4. Streamlining the entire rollout to minimize disruption.
5. Obtaining the necessary certifications, waivers, and approvals from Mastercard, Amex, JCB, and RuPay.

Benefits for the customer

We quickly communicated and guided the customer to resolve the issues that occurred during the testing and certification process.

This payment processor got their terminals certified in the first iteration. We completed Mastercard, Amex, JCB, and RuPay EMV Level 3 POS contact and contactless testing and certification for them within three months.