EMV Terminal Simulator


UL EMV Terminal Simulator helps issuers, acquirers and card vendors analyze payment transactions by using real payment cards or mobile payment applications through the simulation of a payment terminal.


UL EMV Terminal Simulator is a configurable software tool that simulates a contact terminal, a contactless terminal or an automated teller machine (ATM) to check the complete payment transaction from cards issued or mobile payment applications to an issuing host.


As an all-in-one tool, UL EMV Terminal Simulator simulates the real behavior of a contact or contactless Point of Interaction (POI) without the need for procuring a range of actual physical payment terminals. With flexible and clear configuration, this tool can:

  • Test payment applications on contact cards, contactless cards and mobile phones
  • Test the combination of payment products and issuer host systems
  • Speed up terminal development when used as reference terminal
  • Provide an ideal approach for migration to EMV, contactless chip and near field communication (NFC) mobile payments
  • Deliver automatic analyses of messages and issues
  • Provide in-depth interpretation of ISO messages, including all EMV details
  • Act as a convenient utility for parsing and interpreting EMV data and ISO 8583 messages

The tool allows users to configure the simulated terminal with a selection of EMV terminal parameters, such as:

  • Application selection
  • Processing restrictions
  • Terminal risk management
  • Terminal action analysis
  • Online processing
  • Issuer script processing

Users can set up the UL EMV Terminal Simulator as a separate terminal and connect to an authorization host, or switch on the in-built authorization simulator to replicate a complete payment transaction processing infrastructure.

Any testing by the UL EMV Terminal Simulator generates a detailed and clear report. All technical data in commands and responses are logged and interpreted.


Ancillary Services

Technical Support

To verify that customers can effectively use the tool and gain maximum benefit, UL offers a service contract for tools that provides access to our technical support services. Our experienced technical team is able to provide support, advice and guidance.

The following support services are covered:

  • New releases
  • Help desk support
  • Bug fixes
  • Instant hardware replacement