In the competitive and security-sensitive world of digital payments, obtaining the necessary certifications is more than just a compliance requirement it’s a gateway to market acceptance and long-term scalability. Among the most crucial certifications for payment terminal software is the Visa-specific EMV Level 2 (L2) certification. This certification is a vital step for manufacturers, solution providers, and developers aiming to ensure that their payment devices – whether POS terminals, ATMs, SoftPOS, or embedded systems – function correctly and securely in Visa’s payment ecosystem.

EMVCo provides the foundational specifications and certifications for chip-based card transactions. However, each card scheme, including Visa, enforces its own brand-specific logic, transaction processing rules, security policies, and risk management protocols. Visa’s EMV certification ensures that a payment terminal’s software not only aligns with general EMV standards but also correctly implements and supports Visa’s proprietary features.

At EazyPay Tech, we specialize in streamlining the entire Visa-specific EMV L2 certification process. We empower our clients including POS terminal manufacturers, SoftPOS developers, ATM providers, and wearable payment solution companies with a comprehensive certification strategy that addresses every technical, procedural, and operational requirement set by Visa.

Why VISA Specific EMV Certification is Critical

Visa-specific EMV Level 2 certification is not just an additional layer of compliance but a critical milestone in the commercialization of any payment acceptance device. Here’s why it matters:

• Visa mandates unique transaction logic, cardholder verification methods, and proprietary application flows that differ significantly from other payment schemes. Your EMV kernel must interpret and respond to these requirements accurately.
• Without Visa’s L2 approval, a terminal cannot proceed to Visa Level 3 testing or be deployed in Visa-accepting merchant environments.
• Certification ensures that the terminal can handle Visa cards—both contact and contactless—without functional failures, security lapses, or degraded user experiences.
• Visa-specific certification ensures your solution adheres to Visa’s global security mandates, which are constantly evolving to prevent fraud and maintain user trust.

VISA Contact and Contactless Certification Process

The Visa certification process for both contact and contactless EMV Level 2 (L2) kernels is a stringent, multi-layered validation program that ensures the payment software embedded in POS terminals, SoftPOS devices, ATMs, or embedded payment systems is fully compliant with Visa’s global transaction, security, and cardholder experience requirements. While EMVCo certification validates that a terminal’s EMV L2 kernel adheres to global standards, Visa’s certification process goes further by testing how the kernel specifically interacts with Visa-branded cards and protocols.

At EazyPay Tech, we help you navigate both contact (VSDC) and contactless (qVSDC) Visa certification paths, ensuring you’re fully equipped to launch products that are Visa-compliant across all form factors.

1. Overview of VISA Contact Certification (VSDC)

The Visa Smart Debit/Credit (VSDC) protocol governs contact-based EMV transactions. It defines how a terminal should process chip card payments over a physical chip reader.

Key stages in the Visa Contact L2 Certification process include:

• Initial Kernel Audit: A technical review of the EMVCo-approved kernel to assess its support for Visa-specific tags, Application Identifiers (AIDs), terminal parameters, and risk management logic.
• Test Plan Preparation: Selection of appropriate test scripts from the Visa Contact Chip Vendor Test Plan relevant to the terminal type and card configurations.
• Laboratory Testing: Execution of VSDC test scripts at a Visa-recognized test laboratory, including test cases for AID selection, TVR generation, TAC execution, and transaction flows (online, offline, fallback).
• Debug and Fix Cycles: Errors or test failures are logged, reviewed by EazyPayTech, and corrected in the kernel. We iterate until a full pass is achieved.
• Result Documentation: All test logs, screenshots, and technical artifacts are compiled as per Visa’s documentation standards.
• Submission and Review: Submission to Visa for their internal evaluation and feedback cycle. The Visa engineering team may request clarifications, additional data, or changes.
• Certification Issuance: Visa issues the EMV Level 2 Contact Approval Letter, authorizing the kernel for deployment on Visa networks.

   

2. Overview of VISA Contactless Certification (qVSDC)

The contactless version of Visa’s protocol, qVSDC (Quick Visa Smart Debit/Credit), is designed for speed and efficiency, especially in high-volume retail and transit environments. It supports tap-and-go payments through NFC, requiring minimal interaction between cardholder and device.

The qVSDC certification process is more complex than VSDC due to additional radio-frequency, cryptographic, and performance requirements.

Key stages of Visa Contactless Certification include:

• Antenna-Level Testing Pre-check: For NFC-capable devices like SoftPOS or contactless terminals, proper antenna tuning is critical. EazyPayTech helps perform RF performance checks before functional testing begins.
• Kernel Feature Review: Evaluation of contactless-specific elements such as:
  • Tap thresholds and user prompts
  • Transaction timing performance
  • qVSDC-specific CVM support (e.g., No CVM, Online PIN)
• Execution of qVSDC Test Plan: Coordinated testing using Visa’s Contactless Chip Vendor Test Plan, including offline data authentication, transaction decisioning, and error handling.
• Performance and Timing Validation: Ensuring that total tap-to-response times meet Visa’s minimum speed benchmarks, which is crucial for transit and retail use cases.
• Error Handling Scenarios: Testing of contactless-specific fallback situations, such as when a transaction exceeds a CVM limit or requires online authentication.
• Integration with Visa Contactless Kernel Test Cards: Ensuring full interoperability with Visa-branded contactless cards and mobile wallets (e.g., Apple Pay, Google Pay).
• Visa Review and Approval: Final documentation and test results are submitted for Visa’s internal evaluation. Upon acceptance, Visa issues the EMV Level 2 Contactless Approval Letter.

   

3. Integrated Contact + Contactless Certification Strategy

EazyPayTech offers an integrated dual-mode certification strategy, where both contact and contactless versions of the kernel are evaluated in parallel to reduce time-to-market and streamline resource utilization.

Our dual-mode certification strategy involves:

• Shared Kernel Base Optimization: Building a modular architecture that supports both VSDC and qVSDC without duplicating logic unnecessarily.
• Unified Test Plan Management: Coordinating with labs to merge testing cycles where feasible, allowing simultaneous execution of applicable contact and contactless tests.
• Consolidated Documentation and Submission: Creating a unified submission package for Visa that covers both interfaces to simplify the approval process.
• Synchronized Visa Reviews: Managing Visa’s review timelines so that contact and contactless approvals are granted in tandem.

   

Key Areas in VISA EMV L2 Kernel Certification

Visa’s certification framework demands rigorous validation of multiple functional areas within the EMV L2 kernel:

• Application Identifier (AID) Support: Ensuring the kernel supports and correctly prioritizes Visa AIDs like A0000000031010 for debit and credit applications.
• Cardholder Verification Methods (CVM): Properly implementing Visa-supported CVMs such as Online PIN, Signature, and No CVM.
• Terminal Action Codes (TAC): These are predefined settings that direct terminal behavior based on specific scenarios, such as chip failure or offline approvals.
• Terminal Verification Results (TVRs): Collecting and transmitting terminal-side outcomes of key verifications to support issuer-side decision-making.
• Dynamic Data Authentication: Ensuring the kernel can support DDA (Dynamic Data Authentication), CDA (Combined DDA/AC Generation), and SDAD (Signed Dynamic Application Data).
• Transaction Flow Control: Aligning the kernel’s logic with Visa’s transaction sequencing, including online authorizations, offline approvals, declines, and fallback handling.

Tools and Infrastructure for VISA EMV Software (Kernel) Testing

To achieve a successful Visa EMV Level 2 certification, developers and manufacturers must equip themselves with the right tools and testing infrastructure:

• Visa Chip Vendor Test Tool (CVTT): This is Visa’s designated test suite for validating kernel behavior against its specification.
• Protocol Analyzers: Tools such as Keysight, FIME Savvi, or UL Collis analyzers help trace APDU-level interactions between terminal and card.
• Reference Cards: A suite of Visa-certified test cards that simulate various transaction scenarios.
• Contact and Contactless Readers: Certified hardware that interfaces with the kernel to simulate real transaction environments.
• Test Laboratories: Labs accredited by Visa (e.g., FIME, UL, Elitt) are necessary partners for executing the test plan and providing test result validation.

How EazyPayTech Accelerates EMV Software (Kernel) for Visa

EazyPayTech provides an end-to-end service package that transforms your EMV kernel into a Visa-compliant solution with a faster time-to-market and minimal risk of rejection. Our value-added services cover every stage of the process:

1. Initial Evaluation and Gap Analysis:
   • Audit your existing kernel implementation to verify compliance with EMVCo and Visa-specific rules.
   • Identify functional gaps, logic deviations, or unsupported features required for Visa processing.
   • Map out a corrective action plan based on our in-depth knowledge of Visa’s test requirements.
2. Visa-Centric Kernel Optimization:
   • Modify the kernel to prioritize Visa AIDs and correctly interpret Visa transaction logic.
   • Implement robust support for qVSDC and VSDC, including dynamic data authentication and cryptographic operations.
   • Ensure that terminal risk management logic adheres to Visa-specific TACs and transaction outcome definitions.
3. Testing Strategy Execution:
   • Engage with a Visa-accredited lab and execute the complete Chip Vendor Test Plan.
   • Provide remote or on-site support during test executions, ensuring accurate interpretations of test results.
   • Analyze failed test cases and perform iterative debugging and re-validation with minimal turnaround time.
4. Submission and Approval Facilitation:
   • Generate comprehensive documentation packages, including logs, configuration files, CVM support matrices, and AID definitions.
   • Collaborate directly with Visa’s approval teams to resolve any ambiguities or requests for additional evidence.
   • Monitor the certification timeline and expedite approvals by ensuring all submission prerequisites are perfectly fulfilled.
5. Post-Certification Support:
   • Guide clients through Visa Level 3 testing and host integration.
   • Support future updates or recertification efforts following Visa specification changes.
   • Provide long-term maintenance and support agreements for ongoing kernel enhancements.

Visa-specific EMV Level 2 certification is a strategic and technical necessity for any company aiming to enter or expand in the global payments market. As Visa’s market footprint continues to grow, so does the complexity and scrutiny of its certification processes. Ensuring your EMV kernel is not only compliant but optimized for Visa’s rigorous standards requires both expertise and discipline.

EazyPayTech stands as your trusted partner in this journey. With our deep technical know-how, proven project execution frameworks, and global testing partnerships, we ensure that your contact and contactless payment solutions achieve Visa certification quickly and reliably.

Choose EazyPayTech to fast-track your Visa certification ensuring your product is ready, resilient, and recognized in the global payments ecosystem.