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Product Toolkits

Introduction

Visa’s Chip Issuance and Acceptance Product Toolkits may be used at various stages during the contact and contactless chip product development and deployment cycle. These stages may include:

  • During product development by vendors
  • Prior to vendor submission of the product to Visa or EMVCo for approval
  • Prior to, during or after product deployment into the field

The toolkits are designed to assist:

  • Visa clients or their service providers, ensure compliance with various technology specifications, Visa rules and best practices that enable global interoperability
  • Technology vendors with product development and quality assurance testing
  • Visa Regional Offices in supporting their clients

Approval by an accredited EMVCo laboratory or by Visa is a prerequisite for deployment of contact and contactless devices accepting Visa-branded products. Contact and Contactless cards must follow Visa’s approval processes. Please see Approval Services for more information.

Note: Use of the Visa test tools does not imply or guarantee that a product or service is fully compliant with Visa or EMV Specifications.

To review available materials on Product Toolkits, see Product Toolkits Materials. For more information, please contact Chip Toolkits.

Issuance

Toolkits offered by Visa and third-party suppliers to chip-issuing clients and their service providers assist in pre-personalization processes and post-personalization validation.

Global Personalization Requirements

The Global Personalization Requirements (GPR) establishes a set of globally consistent validation criteria for use by chip card issuers. Chip tool technology vendors utilize the GPRs to enhance their Personalization Validation Tools (PVTs), which in turn are used by Visa issuers to test that their cards are correctly personalized prior to issuance.

To license the GPR User Guide and Test Cases, please contact Chip Toolkits. Licensed users may access the GPR category from their “My Account” page or from Product Toolkits Materials.

Visa Personalization Assistant (VPA)

The Visa Personalization Assistant (VPA) provides a simplified, streamlined way of personalizing the payment applications on Visa Smart Debit and Credit (VSDC) cards to suit issuer’s business needs, while preserving global interoperability. The output from VPA may be incorporated into the pre-personalization data preparation process or used to establish reference parameters for card validation activities.

Understanding how VPA works may assist Chip tool technology vendors providing personalization validation tools (PVT) to clients.

Acceptance

Toolkits offered by Visa and third-party suppliers to chip acquirers, merchants and their service providers are intended to assist in validating the configuration of chip card acceptance devices and to provide a simplified means of submitting validation results to Visa prior to deployment of a new device or after a significant software/hardware update to an existing device has been made.

Acquirer Device Validation Toolkit

The Acquirer Device Validation Toolkit (ADVT), consisting of a set of test card profiles and associated test scenarios, is designed to ensure that contact chip-acceptance devices are:

  • Configured in accordance with Visa requirements and best practices prior to deployment
  • Capable of successfully processing specific, unusual card personalization attributes that have been known to result in acceptance issues, despite their validity

Visa Rules require that contact chip acquirers perform and successfully complete testing with the ADVT on each type of device whenever a new hardware device or payment-related configuration is introduced, or new payment software installed.

The options available for obtaining the ADVT are:

  • Physical test card plastics: Available through the Visa fulfillment service (XpressDocs). The toolkit can be ordered online by registered subscribers. For additional information, please see the Product Toolkits Materials below or the ADVT User Guide, which is part of the toolkit. Note: this option will no longer be available after ADVT V6.1.1
  • VMCP App/Utility card packet: Obtaining this solution is a two-step process. First, download the Android-based VMCP App from the Google Play Store and install directly onto your mobile handset. Second, order the VMCP Utility Card packet from the Visa fulfillment service – XpressDocs. Can be ordered online by registered subscribers. For additional information, please see the Product Toolkits Materials below or the ADVT User Guide, which is part of the toolkit. More details on the VMCP App/Utility card solution can be obtained by contacting your Visa representative.
  • Third-party provided card simulators: These solutions are available directly from qualified suppliers of Level 3 test tools. Users interested in obtaining one of these solutions should do the following. First, refer to the Visa Confirmed Third-party Chip Tool Suppliers document under Toolkits Support Materials for details of available suppliers and tools. Second, Choose your preferred supplier/tool and contact them directly. Note: all commercial terms and conditions for licensing these tools are arranged directly between the supplier of these tools and the licensees.

Note: Effective 1 June 2018, use of ADVT Version 6.1.1 will not be permitted. Instead, users will be required to use ADVT Version 7.0. All new orders of ADVT should be on the latest version. Effective 23 February 2017, Visa no longer permits the use of ADVT V6.1 in all regions. Clients are no longer able to submit ADVT results for Version 6.1 into the Chip Compliance Reporting Tool (CCRT). Visa-confirmed third-party test tool vendors have already been notified of discontinuation of this version.

Contactless Device Evaluation Toolkit

The Contactless Device Evaluation Toolkit (CDET), consisting of a set of test card profiles and associated test scenarios, is designed to ensure that contactless chip-acceptance devices are:

  • Configured in accordance with Visa requirements and best practices prior to deployment
  • Capable of successfully processing specific card personalization attributes that have been known to result in acceptance issues

Visa Rules require that chip acquirers successfully perform and complete testing with the CDET on each type of device when a new hardware device or payment-related configuration is introduced or new payment software installed.

The options available for obtaining the CDET are:

  • Mobile CDET App: Available by download in the Android-based Mobile CDET App from the Google Play Store and install directly onto your mobile handset.
  • VMCP App/Utility card packet: Obtaining this solution is a two-step process. First, download the Android-based VMCP App from the Google Play Store and install directly onto your mobile handset. Second, order the VMCP Utility Card packet from the Visa fulfillment service – XpressDocs. For additional information, please see the Product Toolkits Materials below or the CDET User Guide, which is part of the toolkit. More details on the VMCP App/Utility card solution can be obtained by contacting your Visa representative.
  • Third-party provided card simulators: These solutions are available directly from qualified suppliers of Level 3 test tools. Users interested in obtaining one of these solutions should do the following. First, refer to the Visa Confirmed Third-party Chip Tool Suppliers document under Toolkits Support Materials for details of available suppliers and tools. Second, Choose your preferred supplier/tool and contact them directly. Note: all commercial terms and conditions for licensing these tools are arranged directly between the supplier of these tools and the licensees.

Note: For information on the current version of the CDET, please refer to “Visa Chip Test Tools Documentation Release Matrix” under the “Toolkits Support Materials” section.

Important Note:

In January 2018, EMVCo announced the availability of its new Level 3 Test Tool qualification testing service, initially in support of L3-compliant Card Simulators. With the availability of this new service, Visa is now encouraging providers of these tools to seek qualification through the new EMVCo-provided service. Such qualification has become a prerequisite to supporting Visa’s ADVT and CDET test cases that are now being delivered to Test Tool providers in an EMV Level 3-specified machine-readable format.

Clients may now Visa the EMVCo website to view a list of current L3 Test Tool qualified by EMVCo. The link to the relevant page is as follows:

https://www.emvco.com/approved-registered/service-providers/?action=search_providers&px_search=&emvco_service_tools%5B%5D=acceptance-device

For convenience, you may filter by “Test Tool Providers – Acceptance Device” and identity EMVCo-qualified tools with a “Focus” of “Contact & Contactless Level 3 - Card Simulator”.

Benefits of the EMVCo Process:

With this new process, Visa believes that the lead-time for Test Tool enhancement to support new testing requirements and readiness of those tools for use by Client will be significantly reduced. This process leverages the benefits of a defined standardized L3 Test Tool platform that essentially eliminates a need for exhaustive Payment System–specific qualification testing each time new testing requirements are released.

Note: Effective 1 March 2018, use of CDET Version 2.2 will not be permitted. Users will be required to use CDET Version 2.3 – Revision A. All new orders of CDET should be on the latest version.

Chip Compliance Reporting Tool

The Chip Compliance Reporting Tool (CCRT) is used by chip acquirers and their service providers to submit ADVT and CDET validation results. Visa Rules specify that CCRT is the only method permissible for the submission of toolkit validation results by clients.

Chip tool technology vendors providing PC-based card simulators for ADVT simulation may be interested in obtaining information about CCRT.