EMVCo was formed by Europay International, MasterCard International, and Visa International to manage, maintain and enhance the EMV specifications for payment systems.

EMVCo's primary role is to manage, maintain and enhance the EMV specifications with the objective of ensuring interoperability and acceptance of EMV based payments on a worldwide basis. EMVCo has expanded its scope from EMV chip specifications to include EMV tokenization specifications.

EMVCo is also responsible for type approval processes, which presently include EMV chip terminal compliance testing, as well as Common Core Definitions (CCD) and Common Payment Application (CPA) card compliance testing. These EMV chip testing processes ensure a single terminal and card approval at a level that will allow cross payment system interoperability through compliance with the EMV chip specifications. The current members of EMVCo are American Express, JCB, Discover, MasterCard, UnionPay, and Visa

Who needs EMVCo compliance?

Card vendors and terminal vendors that wish to launch their payment product into the market, need to comply with EMVCo’s rules and regulations.

What can UL do for me?

UL performs compliance & interoperability services covering the latest EMVCo specifications. These include functional testing (Level 1 and Level 2) for both contact and contactless technologies; both for cards, terminals, and mobile handsets. Additionally, we perform security evaluation services on cards, mobiles, and terminals against EMVCo’s standards, which include thorough security design vulnerability assessment and rigid penetration tests. Additionally, our test tools are equipped with the latest test specifications from EMVCo with regards to EMV so that you can test your products against the most current requirements.