One of the primary advantages of using EMV is that it is a global industry specification, backed by Visa, MasterCard, American Express and JCB, and has been adopted for chip card deployments throughout the world. However, the EMV specifications allow a high degree of flexibility – in terms of both card and terminal functionality – to fit the needs of local markets and operating environments.
Therefore, when our customers are looking to obtain EMV Level 2 certification for a solution, I’m often asked what support the EMVCo level 2 certification process provides for allowing the solution to be certified when some features are only supported in certain markets.
In recent years EMVCo have refined the EMV Level 2 approval process, required for all EMV Kernels, to take into account the need for different configurations to support those requirements. When submitting a Kernel for approval, a baseline is defined which covers the typical set of features that the device will support, and the entire set of EMV Level 2 test cases will be applied to this configuration. However, the solution provider can also choose to submit additional configurations for approval, and each of these additional configurations will only be subjected to a subset of the EMV Level 2 test cases, which can significantly reduce the time and cost of having to approve multiple different configurations.
In addition, EMVCo have also defined the concepts of minor changes and hidden features. These processes allow support for certain EMV features to be changed or disabled without having to re-approve the EMV Kernel or even submit it for an additional configuration, and so if it is possible to utilise these processes then this can provide even greater benefits.
This process is only possible if the EMV Level 2 Kernel being used can be configured to support each of these changes without the need to make a major change to the Kernel (such as recompiling the Kernel code). Therefore, to reduce the cost of EMV Level 2 approvals and meet the needs of multiple markets and operating environments, it is very advantageous to use a highly configurable kernel, such as the CreditCall EMV Kernels. Check out www.emvx.co.uk for further details of these EMV Level 2 Kernels.