It doesn’t matter whether you are an acquiring bank, a payment processor, a terminal vendor, a payment scheme, or an organisation that is in the business of enabling transactions we have you covered.
We can help you ensure the confidence and performance of your transactions.
Terminal testing and certification is a time-consuming process. You have to look at ICS creation, test case identification, carry out the tests, analyze and validate the test results, and submit for certification.
Tecto® automates all of these from test case identification to certification submission for all terminal types – mPOS, POS, ATM, and Fleet 2.0. It frees you up to perform your core business of managing transactions.
Currently, you can perform MasterCard MTIP & MTIP paypass; Visa - L3 Global Unified; Amex -AEIPS, ExpressPay & U.S. Multi-Network Debit EMV Testing; Discover DPAS E2E – DN, DCI & Pulse; UnionPay Contact IC card and QuickPass (contactless); JCB TCI/TCI-CL; and RuPay Domestic & International cards POS & ATM - certifications using Tecto®.
Just fill some information and you will hear from us within the next few hours, and we will get you started
Tecto is an advanced automated test platform designed to simplify and accelerate EMV Level 3 terminal certification for acquirers, processors, and terminal vendors. It validates payment terminals (POS, mPOS, ATM, and SoftPOS) against payment scheme specifications, including Visa, Mastercard, Discover, American Express, and regional networks. Tecto helps streamline the certification process, reduce testing timelines, and ensure compliance with EMVCo and payment brand requirements, enabling faster time-to-market for payment terminals.
EMV Level 3 (L3) testing validates the integration between a payment terminal and an acquirer's host system, ensuring proper transaction processing in accordance with the payment scheme's requirements.
Level 3 testing verifies end-to-end transaction flows, including authorization requests, responses, online and offline transactions, and compliance with network-specific rules.
It automates EMV L3 certification by avoiding manual test execution and providing pre-configured test cases aligned with payment scheme requirements.
It automatically generates test transactions, validates terminal responses against expected behavior, and produces comprehensive reports compliant with EMVCo L3TG (Level 3 Test Guidelines) standards.
Tecto's validation engine identifies issues in real-time, enabling faster debugging.
Yes, Tecto is qualified under EMVCo's Level 3 Test Guidelines (L3TG) program. This qualification ensures that Tecto meets the rigorous standards set by EMVCo for Level 3 terminal testing tools. Being L3TG qualified means that certifications performed using Tecto are recognized and accepted by payment schemes and certification labs worldwide, giving you confidence that your testing process meets industry standards.
Yes, Tecto includes an integrated issuer host simulator that enables end-to-end EMV L3 testing without requiring a connection to an actual production environment.
The simulator mimics issuer host behavior, generating appropriate authorization responses based on configurable rules and test scenarios.
Payhuddle provides comprehensive training for all Tecto users, including product orientation, test case configuration, test execution procedures, and report generation.
Training is delivered through online sessions and self-paced video tutorials. Our support team consists of EMV experts who understand both the technology and the certification process.
