UL EMV Personalization Validation Tool

The solution to check correct personalization of EMV cards, covering all major payment schemes for contact or contactless cards and mobile applications.

Overview

  • Fully covered and up-to-date with relevant test specifications
  • User guidance by easy-to-follow Wizard support
  • Supporting Mastercard CPV, Visa payWave, JCB J/Smart, Discover, Diners, UnionPay and more
  • Browse through all EMV data elements with explanation
  • Simplifying quality control in personalization

Who is it for?

UL EMV Personalization Validation Tool is the most thorough and comprehensive test tool for Issuers, Card Personalization Bureaus and Card Manufacturers that want to validate the personalization of their contact/contactless payment cards and mobile payment applications.

Why do you need it?

UL EMV Personalization Validation Tool assists you in testing your EMV payment products according to mandatory card personalization regulations from the major payment associations.

With just one click of a button, you can store, validate, retrieve, and examine all personalization data of EMV smart card applications such as chip, magnetic stripe, embossing data, asymmetric keys and PIN.

With UL EMV Personalization Validation Tool, you easily check the correctness of the personalization of any EMV card application according to the latest (test) specifications from EMVCo, Mastercard, Visa, JCB, Discover, UnionPay and others.

What is inside?

The Explorer functionality lets you view all personalization data on your EMV Card and provides detailed explanation.

The Validation functionality checks the correctness of your card application personalization and provides full, readable reports including explanations of errors and observations found. UL EMV PVT validates card personalization profiles for all major payment schemes:

  • Mastercard CPV
  • Visa
  • JCB
  • Discover & Diners Club 
  • American Express
  • UnionPay

The tool has been developed in close cooperation with VISA, MasterCard, JCB and UnionPay. It is officially confirmed and used by Visa and JCB. It is also the first tool officially qualified as a MasterCard Card Personalization Validation (CPV) Testing Tool to prepare the formal certification.

Special modules available are:

  • Card Management Module
  • Mobile Module
  • Security Module
  • Domestic validation modules, e.g. DNA, eftpos, Interac, Cabal, MEPS, SPAN

Key benefits

  • Fully covered and up-to-date with relevant test specifications
  • User guidance by easy-to-follow Wizard support
  • Supporting Mastercard CPV, Visa payWave, JCB J/Smart, Discover, Diners, UnionPay and more
  • Browse through all EMV data elements with explanation
  • Utilities to check mobile payment parameters for Secure Element and Cloud-based payment products
  • Simplifying quality control in personalization

Specifications

Modules for UL EMV Personalization Validation Tool

Validation  

Mastercard validation module (CPV including Maestro, Cirrus, PayPass and CAP)

VISA validation module (incl. Credit, Debit, DPA, VPAY, payWave for EU and Visa

Global Test Specification for other regions)

JCB validation module (incl. J/Smart, J/Speedy)

Discover and Diners validation module

American Express validation module

UnionPay validation module

Domestic validation modules: DNA, eftpos, Interac Flash, Cabal, MEPS

UL EMV Personalization Validation Tool supports validation of card profiles generated using MasterCard’s M/Chip Advance Profile Generator.

Explore & Utilities

EMV payment application explorer

EMV Generic and Template Checking

Card Management

Issuer Script commands (e.g. Unblock PIN, Put Data)

Offline and online transaction execution

Optional module

Security

AC, MAC, ENC keys check using HSM coupling for production keys

Offline Data Authentication (SDA /DDA/CDA)

MasterCard PayPass™ / Visa payWave checksum and cryptogram checking (dCVV /CVC3)

CVV / CVC checking

Optional Module

Mobile

Cryptogram check for Cloud-based Payments

Secure element application analysis:

Contactless Registry status viewer

PPSE application explorer


Test specifications supported

UL EMV Personalization Validation Tool is continuously kept up to date with the latest test specifications from the payment schemes. If the test specification you are looking for is not listed here yet, the UL EMV Personalization Validation Tool's latest release may very well cover it already.

UL

Generic tests specified by UL

EMV Generic Test Specification, v2.8 based on EMV Integrated Circuit Card Specifications for Payment Systems, version 4.3, November 2011

Mastercard Mastercard CPV: Personalization Validation Tool Requirements v9.2 + erratum
Visa

Visa US: U.S. Personalization Validation Requirements, v1.0, January 2014

Visa Europe: Visa Europe Addendum to GPR 3.0, v1.0

Visa Global: Visa Global Personalization Requirements v3.0

Visa Global: Personalization Requirements 3.0. Additions and Clarifications. Document Version 3

JCB

JCB J/Smart 2.0: JCB J/Smart Test Cases for Contact ver. 0.34

JCB J/Smart Test Cases for Contactless ver. 0.3

Discover

D-PAS Chip Card Personalization Validation Rules v1.0

Contact D-PAS: U.S. Debit Personalization Profiles Guide, version 2.0

Contact and Contactless D-PAS: Personalization Profiles Guide, version 2.0

Contactless D-PAS: Card Application Personalization Validation Rules, version 1.0

American Express

Contact: AEIPS Chip Card Specification (AEIPS 4.3)

Contactless: ExpressPay 3.1 Card Specification

UnionPay

UnionPay personalization data validation test plan, v2.0


Security and Audit Logging

  • Data Security Configuration options, including: PAN Masking in test suites, Do not store Card Images
  • User Access Control: PVT Administrator and PVT Users
  • Generate Audit Log option: the tool logs all tests performed in a separate CSV-formatted file for the purpose of tracing your test run history

Included

UL Contact & Contactless Reader

Chip card reader for both contact and contactless cards. Read more>

Explore & Utilities Module

A module of the UL EMV Personalization Validation Tool including EMV payment application explorer and EMV Generic and Template Checking. Read more>

UL Validation Module - Generic tests specified by UL

A module of the UL EMV Personalization Validation Tool covering generic card personalization requirements specified by UL. Read more>

Recommended and optional

MagTek IntelliStripe 350 Reader

A combined smart card / magnetic stripe reader. Read more>

Mastercard Validation Module

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of Mastercard (CPV including Maestro, Cirrus, PayPass and CAP). Read more>

Visa Validation Module

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of VISA (incl. Credit, Debit, DPA, VPAY, payWave for EU and Visa Global Test Specification for other regions). Read more>

American Express Validation Module

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of American Express. Read more>

Discover & Diners Validation Module

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of Discover and Diners . Read more>

JCB Validation Module

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of JCB (incl. J/Smart, J/Speedy). Read more>

UnionPay Validation Module

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of China UnionPay and UnionPay International. Read more>

Exchange Validation Module (domestic)

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of Exchange. Read more>

SPAN Validation Module (domestic)

SPAN Validation Module (domestic) is a module of the UL EMV Personalization Validation Tool. It covers the card personalization requirements of SPAN. Read more>

MEPS Validation Module (domestic)

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of Malaysian Electronic Payment System (MEPS). Read more>

Cabal Validation Module (domestic)

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of Cabal. Read more>

UL Card Management and Security Module

A module of the UL EMV Personalization Validation Tool for card management and security. Read more>

UL Mobile Module

A module of the UL EMV Personalization Validation Tool including cryptogram check for Cloud-based Payments and secure element application analysis. Read more>

Interac Validation Module (domestic)

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of Interac. Read more>

eftpos Validation Module (domestic)

A module for the UL EMV Personalization Validation Tool covering the card personalization requirements of eftpos. Read more>

DNA Validation Module (domestic)

A module of the UL EMV Personalization Validation Tool covering the card personalization requirements of the Debit Network Alliance. Read more>

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Included
Recommended and optional