ICCSim TMat
A platform for managing and running EMV Level 2 and Level 3 test campaigns. Test cases are selected from the scheme specifications, loaded onto an ICCSim card and run at a POS or ATM. Logs from the card, the terminal and the host are collected and analysed automatically.
A stand-alone platform for EMV Level 2 and Level 3 conformance testing. It makes payment scheme testing and certification simple and reproducible. It covers both contact and contactless, and is used worldwide by payment networks, terminal vendors, acquirers, processors, test laboratories and merchants.
Main features
What it does as a qualified test platform for EMV Level 2 and Level 3.
Level 2 and Level 3 test suites qualified by the major schemes are built in. Structured test campaigns based on the scheme requirements manage the process from start to finish.
- Schemes supported: American Express, Discover, INTERAC, JCB, Mastercard, UnionPay and Visa
- Presents test campaigns aligned with the scheme requirements
- Most results are analysed automatically, reducing manual work and shortening certification
Unlike conventional setups that need several instruments and large numbers of physical test cards, this is self-contained. Transaction logs are captured within the software itself, with no separate capture application, card adapter or complex hardware.
- No separate capture software, card adapter or complex hardware setup
- Transaction logs captured within the software
- Simpler setup, lower cost and shorter test cycles
Supports the whole lifecycle of a payment device: development testing, quality assurance, validation, formal certification, regression and ongoing maintenance testing. The same tool carries through from development to deployment and future software updates.
- Development → QA → validation → formal certification → regression → maintenance
- One trusted tool for the life of the product
The Auto API add-on connects to automated test environments. External software or a robot controls execution, and capturing test data and storing results is automated, which supports large-scale regression testing.
- External software or a robot controls execution
- Test data capture and result storage are automated
- Consistency and shorter run times for large regression campaigns
Test suites available
Examples of Level 2 and Level 3 test suites qualified by each scheme, as of the information sheet. We confirm the current position each time.
Level 2
Level 3
Specifications and schemes
Schemes qualified for Level 2 and Level 3 (coverage depends on the configuration and licences)
Level 3 is not a separate kit: the ICCSimTMat suites cover Level 2 and Level 3 together. The product has roughly 30 years of history and is used by payment networks, terminal vendors, acquirers, processors, test laboratories and merchants. The suite list reflects the information sheet, and we confirm the current position each time.
Portfolio and kit contents
| Kit contents | The software test suites, a dual-interface card reader and a set of ICCSim cards. Self-contained with no complex hardware, it captures transaction logs, analyses them automatically and supports import and export. Licensing is online licensing with no USB key, so it can be installed on several PCs and a free licence chosen at login |
|---|---|
| Scheme modules available (examples) | American Express AEIPS / ExpressPay/Discover D-PAS / Contactless D-PAS/EMV Level 2 (ICCSimSC) /INTERAC (Device / Canadian Acquirer / Contactless / Flash CTIC) /JCB TCI/MasterCard (M-TIP / NIV Subset 3/5/7 / PayPass Subset 6&8) /Visa (ADVT / ADVT qVSDC Device Module / AP Contactless / qVSDC/MSD / CDET / Transit VTPS) /Entry Point (Book A&B) |
| Supporting tools | ICCSimDev, a development utility, and ICCSolHost, a host simulator |
System requirements and supply information (2026)
| System requirements | Operating system: Windows 11 recommended. CPU: 64-bit Intel or AMD, 2.8 GHz or above recommended. Memory: 4 GB or more. Free disk space: 4 GB. Display: 1920×1080 recommended |
|---|---|
| Shipping | Orders are processed within three business days of receiving the purchase order or prepayment. Hardware ships by courier with a tracking number; for software, access instructions are provided. Terms are DAP, so customs duties and taxes at clearance are payable by the recipient. A certificate of origin can be arranged on request in advance, taking one to three business days |
| Support renewal | The first year of support and maintenance is included. A renewal quotation is sent one month before expiry. Renewal remains possible for 12 months after expiry, after which the product must be purchased again. New versions are notified by email to the registered technical contact |
The current range of scheme modules is confirmed at quotation.
How a test runs
An ICCSim card is not a fixed test card. It acts as a programmable measurement card whose contents change according to the test scenario selected.
| Steps | Detail |
|---|---|
| 1 | Load the selected test cases onto the ICCSim card |
| 2 | Insert the card into the terminal, or present it contactlessly |
| 3 | The terminal communicates with the acquirer or test host |
| 4 | Read the test results back from the ICCSim card |
| 5 | TMat analyses them automatically and shows the results in the interface |
Project management
Testing is managed by project. For some schemes, the Test Selection Engine lets you enter the terminal configuration and select only the test cases that configuration requires.
| Function | Detail |
|---|---|
| New/Open Project | Results managed per test project |
| Upload Log | Re-read just the logs from the card |
| Check Card Version | Check the applet version on the ICCSim card |
| Host Log Import | Import external host logs into the verdict |
| Automatic Questions | Pass conditions answerable from the logs are judged automatically |
| Manual Observation | Items that need a human to check, such as the display, the receipt, LEDs and the PIN prompt |
| Export Test Suite | Export results to Excel and other formats |
| CCRT XML preparation | Prepares submission data for the supported suites |
| Checksum Validation | Checks whether logs have been altered |
| Card Load Utility | Loads test scripts onto the card |
Not everything is judged automatically. The terminal display, card removal prompts, signature requests, PIN entry and receipt contents may remain items for a person to confirm.
PaytestProbe and automation
With PaytestProbe, card responses are generated from the probe instead of rewriting and reinserting a card for each test case. The Auto API also allows TMat to be controlled from a robot or an external test automation framework.
Tests that need a physical card — an actual magnetic stripe swipe, or fallback testing that simulates a chip failure — cannot be replaced by a probe. Rather than moving entirely to probes, keep physical cards for fallback. Full automation of contact, contactless and magnetic stripe requires a dedicated probe for each.
Choosing between the ICC Solutions products
The general-purpose ICCSimTMat, the Fiserv-only kit and the Worldpay-only VIABLE are clearly separated.
| Comparison | TMat | TMat for Fiserv | ICCSimDev | Merchant Cards | VIABLE |
|---|---|---|---|---|---|
| General purpose or dedicated | General purpose | Fiserv only | General-purpose development | General-purpose basic cards | Worldpay only |
| Primary audience | Vendors, laboratories and acquirers | Fiserv merchants and ISVs | EMV developers | Stores, maintenance and training | Worldpay merchants and ISVs |
| Level 2 | Suite available | Mainly Level 3 | Custom-developed testing | Not possible | Mainly Level 3 |
| Level 3 | Supported | Supported | Not for formal certification | Not possible | Supported |
| Host integration | External or simulated | Fiserv Portal integration | Outside its purpose | Requires a test host | Built-in closed loop |
| Negative testing | Scheme test case coverage | Fiserv test case coverage | Highly flexible | Limited | Worldpay test case coverage |
| Automated analysis | Yes | Yes | Focused on script development | No | Yes |
| Certification submission | Through suites | For Fiserv | Generally not possible | Not possible | For Worldpay |
| PaytestProbe | Supported | Supported | Focused on generated cards | Not supported | Supported |
Where the product sits in the process
On the issuance side, the Barnes and ICC Solutions products are not competitors; they sit at different stages of the process.
| Process stage | Product | Objective |
|---|---|---|
| Card issuance side | Barnes CPT | Inspects card data, certificates, EMV tags and magnetic stripe data |
| Card and terminal development | ICCSimDev | Develops error cards, custom cards and negative tests |
| Terminal kernel | ICCSimTMat Level 2 | Verifies the EMV kernel and reader application |
| Finished POS and ATM | ICCSimTMat Level 3 | Scheme integration testing |
| Specific acquirer | TMat for Fiserv / VIABLE | The Fiserv and Worldpay certification process |
| After store deployment | Merchant Test Cards | Quick checks, regression testing and staff training |
What we confirm before proposing
Before finalising a configuration we ask about the following.
| Category | Points to confirm |
|---|---|
| Test scope | How far coverage must extend across contact, contactless and magnetic stripe, and whether Level 2, Level 3 or both are needed |
| Scope | Which of POS, ATM, Tap to Phone, transit or fuel applies, and the exact scheme and test suite versions |
| Connects to | Which acquirer you connect to — Fiserv, Worldpay or another |
| Method | Whether physical ICCSim cards or PaytestProbe is used, whether physical cards for fallback testing are included, and whether a host simulator is required |
| Licences and maintenance | Maintenance charges after the first year and what happens if renewal stops, the expiry of the test cards, and how licences are divided between the scheme-qualified suites and development scripts |
| Automation | The API specification for Auto API and robot integration, and compatibility between cards generated in ICCSimDev and TMat |
| Domestic requirements | Is a dedicated L3 test plan available for the local acquirer or payment network? |
Supporting an international brand’s L3 suite and having the local acquirer or payment network accept that result as certification are two separate matters. We confirm the brand, acquirer, payment gateway and terminal configuration before fixing the product configuration.
Choosing the right ICC product
The ICC products divide by purpose. Where each sits is set out in the Level 3 layer.
| Product | If you are considering |
|---|---|
| ★ ICCSimTMat (this page) | You need to pass formal scheme approval at Level 2 and Level 3, and want acceptance testing managed and run with qualified suites |
| ICCSimTMat for Fiserv | Merchant and ISV certification through Fiserv, with test logs uploaded directly via the portal |
| ICCSimDev | You want to build your own card responses and error conditions, for negative testing and debugging |
| VIABLE | You want to run merchant and ISV acceptance testing together in a closed-loop store setup |
| Merchant Test Cards | You want physical cards for checking terminal configuration, regression and staff training |
| Testing and certification services | You would rather not run the testing yourself and want certification handled for you |
Where it is used
- Setting up Level 3 verification for a new development
- Regression after a configuration change or update
- Coverage checks ahead of certification
Relationship to certification
What this product performs is terminal integration testing. Whether scheme approval is granted is decided by the scheme and the acquirer. We support the test environment and the preparation of the data required for submission.