Services & Solutions

EMV Level 3 Certification Services

We specialize in EMV Level 3 certification for all major credit card processors and card brands. With over 130 terminal certifications completed across the United States, Canada, Caribbean, and Europe, Mojave delivers fast, reliable payment device compliance.

130+ EMV L3 Certifications completed worldwide, including 100+ in the United States alone.

Our FIME-certified testing tools and in-house expertise reduce typical certification timelines from 18-24 months to as little as 6-12 months.

Learn more about EMV level 3 certification

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What is EMV Level 3 Certification?

Understanding the terminal certification process for payment device compliance

EMV Level 3 (L3) certification is the final stage of payment terminal certification that validates your payment application works correctly with specific payment processors and acquirers. While Level 1 and Level 2 certifications focus on hardware and kernel compliance, Level 3 certification ensures end-to-end transaction processing between your terminal and the payment processor.

The L3 certification process involves rigorous testing of transaction flows including sales, refunds, voids, pre-authorizations, and tip adjustments. Each card brand (Visa, Mastercard, American Express, Discover) has specific requirements that must be validated through their approved testing tools.

Without proper EMV Level 3 certification, payment terminals cannot process chip card transactions through acquirer networks, making this certification essential for any business deploying POS systems or unattended payment devices.

Why Choose Mojave for Terminal Certification

No external dependencies - complete in-house EMV certification capabilities

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130+ Certifications

Proven track record with over 130 EMV L3 certifications completed across 4 continents. Our experience spans multiple processors, terminals, and industry verticals.

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FIME-Certified Tools

Mojave owns FIME, MV, and ICC testing tools in-house. No third-party dependencies means faster turnaround and complete control over your certification timeline.

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Accelerated Timeline

Reduce certification time from the industry standard 18-24 months to 6-12 months. Our streamlined process and expert team eliminate common bottlenecks.

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Global Coverage

We service the United States, Canada, Latin America, Caribbean, and all of Europe. Regional certification requirements handled by our experienced team.

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Custom Development

Full payment application development including multi-processor frameworks, TMS integration, and dual-mode operation (standalone or service layer).

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End-to-End Support

From initial consultation through final certification and ongoing maintenance. We handle processor relationships, testing, and documentation.

Our EMV L3 Certification Process

A structured approach to fast-track your payment terminal certification

1

User Acceptance Testing (UAT)

Initial testing phase where we validate your payment application against processor specifications. This includes transaction flow testing, error handling, and receipt formatting. UAT identifies issues early, reducing costly rework during later stages.

2

Host Validation

Comprehensive testing of communication between your terminal and the processor host. We verify message formatting, timeout handling, reversal processing, and batch settlement. This stage ensures reliable transaction processing in production environments.

3

Pre-Certification Testing

Using our FIME, MV, and ICC testing tools, we run the complete card brand test suites internally. This pre-certification phase catches issues before official submission, dramatically reducing the risk of failed certification attempts.

4

Level 3 Certification

Final certification with card brands (Visa, Mastercard, American Express, Discover). We manage the submission process, address any findings, and coordinate with processors until your terminal receives full EMV L3 certification approval.

Industries We Certify

EMV Level 3 certification expertise across diverse payment environments

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Petroleum & Fuel

Gas station payment terminals and fuel dispensers

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EV Charging

Electric vehicle charging station payment systems

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Parking

Parking meters, garages, and lot payment kiosks

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Unattended Retail

Vending machines and self-service kiosks

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Retail POS

Traditional point of sale systems and terminals

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Restaurant & Hospitality

Pay-at-table and quick service terminals

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Laundromat

Coin-op and card-based laundry payment systems

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Transit & Ticketing

Transportation and event ticketing kiosks

Mojave vs. Traditional Certification Approach

See how our streamlined process delivers faster results

Factor Traditional Approach Mojave Approach
Typical Timeline 18-24 months 6-12 months
Testing Tools Third-party rental or access Owned FIME, MV, ICC tools in-house
Pre-Certification Limited internal testing Full card brand test suites run internally
Processor Experience Varies by vendor 130+ certifications across major processors
Geographic Coverage Often region-specific US, Canada, Caribbean, Latin America, Europe
Development Support Certification only Full payment app development + certification

Frequently Asked Questions

Common questions about EMV Level 3 certification

Traditional EMV L3 certification can take 18-24 months due to the complexity of testing requirements and coordination with multiple parties. With Mojave's in-house testing tools and experienced team, we typically complete certifications in 6-12 months, depending on the complexity of your payment application and the number of processors involved.

Level 1 certifies the physical hardware and electrical interface of the chip card reader. Level 2 certifies the EMV kernel software that communicates with the chip card. Level 3 certifies the complete payment application and its integration with specific payment processors, ensuring end-to-end transaction processing works correctly with each card brand.

All major card brands require L3 certification: Visa, Mastercard, American Express, and Discover. Each brand has its own test suite and requirements. Additionally, some regions have specific requirements (e.g., Interac in Canada). Mojave handles certification for all major card brands across multiple regions.

Yes, EMV L3 certification is processor-specific. If you want to work with multiple acquirers (e.g., First Data, TSYS, Worldpay), you need separate certifications for each. Mojave can develop a multi-processor framework that makes adding new processor certifications more efficient after the initial certification is complete.

Card brand certification requires specific testing tools: FIME tools for Visa and Mastercard, MV tools for certain processors, and ICC testing tools for various validation scenarios. These tools are expensive and require expertise to operate. Mojave owns all necessary testing tools in-house, eliminating the need for clients to purchase or rent equipment.

Mojave provides end-to-end services including complete payment application development, TMS (Terminal Management System) integration, and certification. We can build your L3 application from scratch, integrate with your existing systems, or work in standalone mode. Our development team has 30+ years of payment industry experience.

Learn More About EMV Certification

In-depth resources from our payment experts

What is an EMV Level 3 Certification?

A comprehensive guide to understanding the EMV L3 certification process and requirements.

EMV Level 3 Certification: Technical Insights

Technical deep-dive into streamlined testing solutions and certification best practices.

Get Your Free L3 Certification Consultation

Ready to fast-track your EMV Level 3 certification? Contact our team for a free consultation. Call us at +1 702-664-1250 or use the form to request a certification quote within 24 hours.

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