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EMV Level 3 testing and certifications company? Level 3 EMV-Certified Smart Terminal – For businesses looking for a simple, intuitive payment application, our Smart Terminal is ideal. It communicates with our Virtual Terminal which logs all the transaction information that a traditional terminal would print out. Both proprietary to PayJunction, the pair streamlines your business workflow and covers your EMV needs. Open API for Easy Integration – Non-generic payment applications are able to integrate with our software and equipment to pass testing for level 3 compliance. This eliminates the need for individual testing and speeds up the availability of EMV certified terminals to businesses using customized applications.

EMV initially prevented fraudulent “card-present” transactions because the chip card, which encrypts the data and generates a unique transaction code for each purchase, was considered extremely difficult to duplicate. However, in 2018, crooks in Brazil were the first to figure out how to create valid EMV duplicates. See 3-D Secure.

EMVCo is jointly owned by American Express, Discover, JCB, MasterCard, UnionPay and Visa. It manages, maintains and enhances the EMV Specifications to ensure global interoperability of chip cards with acceptance devices such as point of sale terminals and ATMs. All our EMV Kernels are EMVCo compliant and we are proud to have achieved a 100% first time pass rate.

Set your strategic payment decisions — leverage Fairbit Research insights and proprietary data assets. Achieve exceptional results — against mission-critical priorities with independent advice and support from our payment industry and solution experts. Embrace digital payment — harness payment knowledge to fuel business growth. See additional info at EMV Level 3 testing and certifications services.