EMV Personalization Validation Tool


The UL EMV Personalization Validation Tool helps payment card issuers roll out correctly personalized EMV payment card products through comprehensive testing and validation. This user-friendly tool supports MasterCard CPV, Visa payWave, JCB J/Smart, Discover, Diners, UnionPay and more, enabling fast and effective assessments for all EMV smart card applications.


The UL EMV Personalization Validation Tool checks the personalization of EMV cards, covering all major payment schemes for contact or contactless cards and mobile applications. The tool has been developed in close cooperation with Visa, MasterCard and JCB. It has officially been confirmed and used by Visa and JCB. It is also the first tool officially qualified as a MasterCard card personalization validation (CPV) testing tool to prepare a formal certification. Available modules include

  • Card management module
  • Mobile module
  • Security module
  • Domestic validation modules

The UL EMV Personalization Validation Tool provides issuers, card personalization bureaus and card manufacturers with a comprehensive assessment and validation tool for personalizing contact or contactless payment cards and mobile payment applications. With easy-to-use and reliable functionality, the tool tests EMV payment products according to mandatory card personalization regulations from payment associations. The tool validates personalization profiles for all major payment schemes, including

  • MasterCard CPV
  • Visa
  • JCB
  • Discover & Diners Club
  • American Express
  • UnionPay

With just one click of a button, users can store, validate, retrieve and examine all personalization data from EMV smart card applications, including chip, magnetic stripe, embossing data, asymmetric keys and PIN. Easy-to-follow wizard support provides user guidance and clear explanations throughout. The tool’s explorer functionality provides a clear view of all personalization data on an EMV Card and explains it in detail. The validation functionality checks the correctness of a card application personalization and provides full, readable reports, including explanations of errors and observations found. Users can easily check the correctness of any EMV card application personalization according to the latest test specifications from EMVCo, MasterCard, Visa, JCB, Discover, Union Pay and others. Along with up-to-date and relevant test specifications, this comprehensive tool also provides utilities to check mobile payment parameters for secure element- and cloud-based payment products.


Ancillary Services

Technical Support To verify that customers can use the tool effectively for maximum benefit, UL offers a service contract for tools that provides access to our technical support services. Our experienced technical team can provide support, advice and guidance. The following support services are covered:

  • New releases
  • Helpdesk support
  • Bug fixes
  • Instant hardware replacement