In order for a bank's POS devices to process transactions with payment scheme cards (Visa, MasterCard, Troy, etc.), they must pass certain test and control steps. Visa and MasterCard have test tools that include test cards and test scenarios for this purpose. These test tools are listed below:
- Visa ADVT (Visa Acquirer Device Validation Testing) (for Contact Transactions)
- VpTT (Visa payWave Test Tool) (for Contactless Transactions)
- Mastercard M-TIP (MasterCard Terminal Integration Process) (for Contact + Contactless Transactions)
Visa ADVT (Visa Acquirer Device Validation Testing)
ADVT is a Visa-approved test tool that can be used for Visa certification testing of any type of contact terminal (POS or ATM). Card-terminal transaction logs can easily be obtained using card logging software and a PC/SC reader.
ADVT consists of a set of test cards and test scenarios that ensure contact chip-reading devices are designed according to the following criteria:
- Configured according to Visa requirements and best practices prior to deployment
- Personalized card sets that provide the ability to successfully process certain situations known to cause problems during card acceptance stages in POS transactions
VpTT (Visa payWave Test Tool)
VpTT (Visa payWave Test Tool) is the official Visa Europe test tool used by those who want to test contactless payment devices for Visa payWave acceptance, namely:
- Acquirers (POS or ATM banks),
- Acquirer Processors (payment companies that provide authorization services on behalf of banks),
- Terminal Manufacturers, and
- Terminal Vendors. It is also an official Visa Europe tool that covers all features of the Visa payWave Procedures.
The Visa payWave Test Tool ensures that the mandatory tests determined by Visa Europe are carried out before a payWave terminal is made available to customers, and that Visa payWave terminals are configured correctly.
These tests ensure that the terminal can correctly use Visa payWave cards (from all regions).
The Visa payWave Test Tool uses contactless card simulation and automatically generates the test report that must be sent to Visa for evaluation.
Mastercard M-TIP
M-TIP (MasterCard Terminal Integration Process) is a complete set of cards and test scenarios that ensures contact and contactless terminals are developed in accordance with MasterCard brand requirements.
MasterCard requires acquirers and service providers to obtain this certification so that a new terminal can pass M-TIP MasterCard Official Approval Services approval.
