Implementing EMV in Canada: Proving your program with end-to-end online testing

Sponsored by: Paragon Application Systems

Type: White Paper

If you are a financial institution, merchant, or processor in Canada, you participate in a complex and sophisticated online payment system. This premiere electronic payments system successfully supports the largest number of PIN-based debit transactions worldwide (a reported 3.1 billion debit transactions in 2005). Now you will become the first in North America to make what many define as a paradigm shift in payment processing: implementation of the EMV (Europay MasterCard Visa) standard for the Integrated Chip Card (ICC).

In the next five years, sweeping changes are scheduled: an anticipated 100 million ICCs will be issued by 2011, ABMs and retail terminals (and the software that supports them) will be upgraded or replaced, retailers will be taught to use the new technology, and consumers will be encouraged to try it. Despite the enormity of the changes coming, there are some principles that do not change: before the first EMV transaction can be completed, your transaction handling software must be updated, customized, tested, refined, and re-tested.

You must test all formats (“wide” testing) and all functions (“deep” testing) with flexible, easy-to-use tools that ensure repeatable, verifiable testing.

Test your interfaces, device handlers, and routing through your host to any switch interfaces (Interac, Visa, and/or MasterCard), merchant processors, and payments gateways.
Test all messages with all devices—and test them with all your card payment schemes (Visa, MasterCard, American Express, and Interac). Test the encryption algorithms required to generate and validate EMV encryption codes.
Test your cards. Verify tagged data elements. Test issuer scripts for card blocking, PIN changing, and more.

Download now to learn more about the testing process...