To correctly process PayPass™ transactions, acquirers need to validate their network interfaces with MasterCard. NIV testing checks that authorization and clearing interfaces are in accordance with the current MasterCard requirements. NIV Subset 7 ensures that acquirers send correctly formatted PayPass™ M/Chip authorization requests and successfully process the resulting response messages.

UL Transaction Security has recently implemented the NIV Subset 7 in the Collis Card Simulator, which is an integral part of Collis Brand Test Tool. This new implementation includes two brand new card simulations related to mobile behavior (MCC_420 and MSI_420) to cover the NIV Subset 7.

As a result, the Collis Brand Test Tool is now fully equipped to support acquirers in the full range of terminal and the network interface validations, as it is now qualified for both contact and contactless NIV testing.

"UL continues to develop high quality test tools for the payment market by improving and expanding the Collis Test Tool portfolio. This new qualification enables us to provide a complete solution for acquirers to successfully introduce PayPass™ on their terminals," adds Maxim Dyachenko, Service Line Manager Test Tools at UL transaction security.

Moreover, the Collis Brand Test Tool has the ability to simulate any test card, both contact and contactless. Using card simulation takes away the need for physical cards that can get corrupted or lost. It also provides full insight in the technical details of the communication between the card and the terminal on the one side and between the terminal and the network on the other side. This allows a tester to gain detailed insight in the end-to-end behavior of the system.

Collis, together with RFI Global and Witham Laboratories, was recently rebranded to UL. The Collis test tool portfolio will remain its strong brand and will continue to be further developed and expanded.