Payment tools and training for the people who build card payments
Check a key, a PIN block, a MAC or an ISO 8583 message in seconds, with every step shown. Then learn why it works, with 34 training modules and the EMV certification labs.
- Runs in your browser
- Results explained step by step
- Free to start
Everything for payment work, in one place
More than 40 tools for the values that must be exactly right: keys and check values, key blocks, PIN blocks, MACs, messages and EMV data.
Cryptography and keys
DES, AES, RSA and ECC; key generation with KCV and parity, key variants, TR-31 and Atalla key blocks.
PINs, MACs and messages
PIN blocks, DUKPT and DUKPT AES, CVV and PVV, MACs, ISO 8583 messages and bitmaps, test cards and an HSM simulator.
EMV
TLV parsing and building, tag decoding, ARQC and ARPC, APDU traces, EMV QR codes and card certificate recovery.
TR-34 remote key loading
Binding, key transport, unbind and rebind step by step, with a token builder, a verifier and conformance test kits.
Understand why each value is what it is
The tools tell you the answer. The training and certification labs explain it, let you practise it and prepare you for the real tests.
Payment Training
34 modules in 8 tracks, from the payment ecosystem to DUKPT, EMV and dynamic currency conversion. Each module has a lesson, a worked example you can change, endless generated exercises with step-by-step solutions, and a quiz.
- 6 paths by role: POS, ATM, host or switch, issuer and HSM, tester, key custodian
- A Transaction Journey Lab with 29 faults to find and diagnose
- 19 end-to-end transaction flows with their messages and money
- Exams and a printable training record
EMV Certification
Get a terminal or host ready for Levels 1 to 3: a simulator with a virtual card, terminal kernel and issuer host, test cases, a trace analyzer, an L1 protocol lab and a library of 28 articles.
- A roadmap of the steps that apply to your terminal
- Test cases with a pre-certification report
- Rule-by-rule review of your own APDU traces
- A self-assessment with practice and exam modes
Start with the tools people use most
Built for payment developers, testers and key custodians
Developers
Terminal and ATM applications, acquirer hosts and switches, issuer systems and HSM integration: check your values against an independent result.
Testers and QA
Known-answer test vectors, trace analysis, transaction flows with their failure branches, and preparation for EMV certification.
Key custodians
Key components, check values and parity, TR-31 and TR-34 key exchange, DUKPT and the key management path in Payment Training.
Free to use. Supporters keep it running.
Most tools are open to everyone. A supporter pass opens the learning and certification labs and pays for the site.
Free, no sign-up
- Most of the tools, open to everyone
- Results with their steps
- Light and dark themes
Free, takes a minute
- Everything a visitor gets
- The tools marked for members
- No payment needed
Monthly or yearly pass
- Payment Training and the Transaction Journey Lab
- The EMV Certification labs
- Keeps the site running and growing
Working on a payment project?
Ask about a tool, a lesson or custom development work. Every message is read by a person.