Payment Simulator for EMV 3DS and SCA
EMV 3DS is an entirely new payment security standard, including new functionality like mobile in-app payments and new protocols that share data across the three domains: Merchant, Payment Network, and Issuer.
While there are certification labs that verify EMV 3DS protocol capabilities, there was no end-to-end payment simulator until mSIGNIA created one. Originally, the Payment Simulator was a reference merchant used to demonstrate mSIGNIA’s uSDK against mock EMV 3DS components (Server, DS, and ACS).
When prospects and customers like one of the largest payment networks in the world asked to use mSIGNIA’s Payment Simulator for their own product demonstrations and brand testing, mSIGNIA made the platform a product and the most powerful 3DS testing tool in the industry.
mSIGNIA’s Payment Simulator contains a complete payment environment:
- Reference merchant storefront… browsers, iOS app, Android app all integrating mSIGNIA’s EMV 3DS compliant uSDK and routing 3DS data through the uMPI; mobile apps can run either in a web simulator or on actual iOS and Android devices
- 3DS Server … mSIGNIA’s compliant 3DS Server
- Directory Server … a protocol compliant reference server for message routing
- ACS … an issuer environment where either
- Card numbers determine one of over 100 ACS responses (i.e. approve, challenges, OOB)
- Behavioral biometrics data for SCA testing is scored by a working risk engine in real-time
The Payment Simulator is a wonderful tool for EMV 3DS awareness and education, it even allows visibility into the data being exchanged over the EMV 3DS protocols. It is used by …
- 3DS technology vendors to demonstrate their 3DS offering to prospects including merchants and issuers
- Payment networks to test compliance with their EMV 3DS protocol extensions
Click on the icons below or scroll down to learn more about benefits of the Payment Simulator
The Payment Simulator comes with over 100 pre-defined EMV 3DS tests included to verify browser, mobile app, and merchant initiated (3RI) protocol options such as No Exemption, Data Share Only, Decoupled Auth, Delegated Auth, TRA exemptions, Trusted Merchant (Prompt/No Prompt), Secure Corp Card, and Non-Payment.
The Payment Simulator also tests the extended program rules and protocol for EMV 3DS required for Verified by Visa® and Mastercard SecureCode® compliance. Payment Simulator will add other payment network extensions as they are required.
To go back to the list of Payment Simulator features, click here
In addition to complete EMV 3DS testing, mSIGNIA’s Payment Simulator also tests mSIGNIA’s uSDKs 3DS compliant extensions which carry SCA authentication data over EMV 3DS data rails. SCA authentication data includes dynamic device tokens, challenge-response exchanges, user secrets, and behavioral biometrics.
The expanded view for 3DS data payloads are also used to detail the SCA data conveyed.
In addition, the Payment Simulator can show the user experience associated with various SCA authentication methods including fingerprint and facial biometric capture and typed entry for behavioral biometrics.
Behavioral biometric data – type, swipe, pressure, and tilt – is passed to an mSIGNIA partner’s operational scoring engine for real-time decisioning. With behavioral biometric scoring, the Payment Simulator iOS and Android apps running on an actual mobile device provide more realistic data than the mobile apps running in a web simulator.
To go back to the list of Payment Simulator features, click here
The Payment Simulator is a complete web service testing environment which allows certified EMV 3DS product substitutions to verify against other compliant EMV 3DS components.
- Merchants can substitute their website, iOS app, and Android app with integrated EMV 3DS SDKs and test against an EMV 3DS certified Server and control over 100 ACS protocol responses to verify the consumer experience
- PSPs and Acquirers can substitute their 3DS Server and test against a fully functional merchant storefront (web, iOS, and Android) and control over 100 ACS protocol responses using a functional merchant wallet to store the payment card numbers which determine ACS responses
- Payment Networks can substitute their DS and ensure interoperability between merchants and issuers; testing includes any of their proprietary protocol extensions
- Issuers and scoring engines can substitute their ACS and test against either against an interactive merchant environment to ensure their challenges are rendered correctly or use an AReq Editor to test all possible protocol responses and error handling
As part of the testing, the Payment Simulator provides an expanded view of EMV 3DS data exchanges, shown in the diagram below, which details data flows and data collected from various consumer device scenarios.
Over 100 pre-defined EMV 3DS tests are included to verify browser, mobile app, and merchant initiated (3RI) protocol options like: No Exemption, Data Share Only, Decoupled Auth, Delegated Auth, TRA exemptions, Trusted Merchant (Prompt/No Prompt), Secure Corp Card, and Non-Payment.
In addition, data expansions for mSIGNIA’s SCA data extensions are shown below.
To go back to the list of Payment Simulator features, click here
There are geographic markets using mSIGNIA’s Payment Simulator to create a localized EMV 3DS testing environment. To support localized market testing, the Payment Simulator allows EMV 3DS services to choose between testing against the default Payment Simulator sandbox or the local vendors.
For example, issuers in certain countries have coordinated to provide local acquirers a complete suite of ACS environments to ensure end-to-end testing between local banks. Acquires can provide the same localized testing to payment services and merchants to ensure the best possible consumer experience.
Any 3rd party proprietary EMV 3DS product can be enrolled in the Payment Simulator so that other Payment Simulator users can test their products against either the default sandbox components or enrolled 3rd party products.
To go back to the list of Payment Simulator features, click here