Digital commerce authentication through the new EMV® 3-D Secure protocol UL self-test platform for 3DS: Promoting compliance testing for 3D-secure technology

Go beyond compliance testing with end-to-end, real-life 3-D Secure flow simulation and validation

EMV® 3-D Secure (3DS) certification is the first step in 3DS solution success. That’s why UL’s 3DS Self-Test Platform is more comprehensive than ever. Platform now provides testing and compliance services for 3-D Secure, plus real-life, end-to-end simulation and validation across numerous payment scenarios. This plug-and-play platform allows different components to be tested in a scalable and automated user interface/user experience(UI/UX) environment.

Improve development time and go-to-market speed

 3DS Self-Test Platform is a configurable and versatile web-based platform that simulates the entire 3-D Secure ecosystem based on the EMV 3-D Secure protocol and core functions specification. It offers you the ability to debug, test, and verify compliance before submitting test results for formal approval. This can help speed up development and go-to-market time. The platform provides:

• Single-solution testing environment and formal approval services
• Comprehensive 3DS approval process support
• Enhanced debugging features and interface
• Guaranteed up-to-date EMV 3DS specifications
• EMVCo regulatory and specification compliance
• European Payments Service Directive 2 exemptions for Strong Consumer
• Authentication (SCA)

Simulate and verify from cart-to-checkout

UL Merchant Simulator within the Self-Test platform offers interoperability and user experience testing for 3DS components. It allows you to test in an end-to-end environment across the acquirer, interoperability and issuer domains. You can simulate a real web shopping experience allowing you to buy goods and validate the UX of a 3DS flow. You can also select various payment cards to trigger challenge and frictionless flows in different browser and app interfaces across multiple authentication methods.

UL Merchant Simulator helps promote a successful 3DS experience:

• Test across the three domains: acquirer, interoperability, and issuer
• Helps accelerate availability, enhance reliability, and improves performance
• Validate product interoperability between vendors, merchants, and banks Pretest payment brand protocol extensions
• Gain data visibility for the proper collecting and scoring of devices and users
• Test user interface experience for EMV 3DS events

Testing applications

Replace any simulated components with a certified product for interoperability testing.
3DS vendors, PSPs and merchants:

• Test SDKs, website and mobile apps against an EMV 3DS certified server
• Test server against EMV 3DS certified SDKs within browsers, iOS and Android clients

Test against functional DS and an issuing bank’s ACS3DS vendors and payment networks:

• Test against EMV 3DS certified merchant requester (server and SDKs for browser, iOS and Android) and an issuing bank’s ACS 3DS vendors and banks
• Test against the DS and an EMV 3DS certified merchant requester (server and SDKs for browser, iOS and Android)

Empowering trustworthy commerce

With a focus on today’s realities and tomorrow’s needs, UL provides the trusted and critical expertise that is required in an interconnected and cashless world. Company's payment expertise enables businesses to implement innovations that guarantee regulatory compliance, maintain customer trust, and increase market access