Beyond Cards and Terminals: Considerations for Testing Host-to-Host EMV Processing

The First Step in Test Planning: Determining What You Need to Test

Writing a good test plan means first determining what your organization needs to test. The sections that follow present the test considerations associated with the various roles (Issuer, Acquirer, Switch, and so forth) in the EMV transaction flow.

Acquirer EMV Processing Considerations

As an Acquirer, Merchant, Merchant Acquirer, or Terminal Driver, the implementation of EMV can affect several aspects of transaction processing.

Your organization will likely need to develop tests that address needs such as:

Testing your ATM and POS configurations for compatibility with both chip cards and magnetic stripe cards
Testing your EMV message processing capabilities, including
- Testing your ability to recognize and correctly process properly (an improperly) formatted EMV messages
- Testing your ability to recognize and correctly process valid (and invalid) EMV message contents
Testing your fee processing
Testing any required information-handling for card or account management
Testing your ability to properly map the EMV tags or tokens in received messages to the correct tags and tokens required in the EMV messages you send to others

Acquirer Merchant Terminal Driver Consideration

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