Issuing and acquiring certificationNetwork Certification : Making complex certification simple

EMV terminals and cards must undergo rigorous testing and certification from multiple parties, including card networks, before they can begin accepting and doing card transactions. But that process is time-consuming and challenging, and that’s created a delay specially between when merchants get EMV-enabled equipment and when they activate it.


AfricaPay provides support on the following:

Issuing & Acquiring Certification

Offline testing Certification process

Offline testing uses simulators (computer applications that simulate Mastercard’s systems) to allow customers to test without connecting directly to the Mastercard systems. Latest versions of Mastercard Authorization Simulator (MAS) for Dual Message System testing and the Mastercard Clearing Presentment Simulator (MCPS) for offline Global Clearing Management System (GCMS) format testing before testing online with Mastercard.

Online testing Certification process

Africapay shall assist in successful completion of offline testing before online testing can begin. Mastercard offers its customers a central test environment, in which Africapay help in performing authorization/clearing/settlement processing in production-like conditions. Using this environment, customer will directly interact with Mastercard’s Authorization Networks and Clearing Management Systems, but in a test mode.

EMV PKI Key Management

This is applicable to all chip cards and is used for Offline Card Authentication Method (CAM), which is where the terminal verifies the card authenticity with the aim of reducing counterfeit fraud. This is applicable to issuers & acquirers.

PKI activities can be performed in-house or delegated to the TPP.

Chip Card Personalization Validation (CPV)

1. CPV is a process testing the chip card personalization settings against Mastercard requirements prior to chip card issuance. CPV is described in the ‘Card Personalization Validation Guide’.

2. Minor changes to existing card personalization settings and card platform (e.g. adding a new BIN) require sending a Change Notification Form to a CPV Service Provider, for validation.

3. Major changes to existing card personalization settings or card platform require sending a Sample Submission Form, an electronic card image and a personalized sample card to a CPV Service Provider, for validation. The electronic card image can be produced from personalized sample card using either one of the Card Testing Tools listed in the manual ‘M/Chip Qualified Test Tools’ or the Mastercard Card Image Extraction Tool (available on Mastercard Connect). Sending a card image by email allows faster validation of the actual card sample.

4. CPV Service Providers and their contact details are listed in Chapter 4 “CPV Service Provider Contact Information” of the manual ‘M/Chip Accredited Third Parties’.


MasterCom enables customers to send high-resolution images of supporting documentation for retrieval requests, chargebacks, representments, arbitration and compliance case filings in case they want to dispute a transaction.

Different types of MasterCom:

Customers can choose from two basic processing options, MasterCom Hosted or MasterCom Pro. Image Interface is an optional add-on automation service that complements the MasterCom Pro option. Image interface cannot be selected by itself or with MasterCom Hosted.

Production Setup

All pre-requisites must be met for production setup to take place, as detailed in schedule.

Chip Issuer End-To End Demonstration (ETED)

Issuer ETED focuses on validating the chip cards or cardholder payment devices are functioning correctly. Testing live contact(less) cardholder payment devices by performing various transactions at ATM and POS terminals.

There are two ways to complete Issuer-ETED, either using a Regular Issuer-ETED or using an ETED Service Provider or completing it yourself by performing a Self-Service Issuer-ETED.
Regular Issuer-ETED