What KABC offers
Free online tools for everyday payment work, simulators and labs to learn and prepare for certification, and help with your own payment project.
More than 40 tools, each with its steps
Open them from any browser. Use training keys and test cards only.
Cryptography
Key management
TR-34
PINs and cards
Messages and codes
Test against a system that answers back
Three simulators let you run real commands and whole transactions without a lab.
HSM Simulator
Run Atalla, KeyUp and Futurex host commands on a simulated HSM, with ready-made samples for all 82 commands.
OpenEMV Simulator
Run or step a transaction between a virtual card, a terminal kernel and an issuer host, with APDUs, TVR and TSI, ISO 8583 messages and fault injection.
OpenTransaction Journey Lab
Follow a POS or ATM transaction from the card to the issuer and back through real HSM commands. Inject 29 faults, or diagnose a hidden one.
Open34 modules, from the ecosystem to EMV
Eight tracks cover products and flows, cryptography, key management, PINs and cards, messages, EMV and testing. Each module has a lesson, a worked example you can change, generated exercises with step-by-step solutions, a quiz and test ideas.
Choose a path for your role, and finish with module, track and path exams and a printable training record.
- Library and glossaryEvery lesson, with diagrams, common mistakes and what to test.
- PracticeEndless exercises: PIN blocks, KSNs, TR-31 headers, bitmaps, MACs.
- Transaction Flows19 end-to-end flows with messages, money and what-if branches.
- Journey LabA full POS or ATM transaction with faults to diagnose.
- Test VectorsKnown-answer vectors to check your own implementation.
- ExamsModule, track and path exams and a training record.
Prepare a terminal or host for Levels 1 to 3
Learn what each level tests, run our own test cases in the simulator, and review your real traces before the lab does.
Start free, support when it helps you
Prices and the latest details are on the Plans page.
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
Help with your own payment system
Building or changing a terminal, a host or a key management process? KABC also takes on development, integration and testing work. Describe your project by email.
ATM and POS
Terminal and ATM applications, ECR integration, ATM-to-host protocols, configuration and key loading.
Acquirer host and switch
ISO 8583 interfaces and dialects, routing, stand-in, reversals, batch and end-of-day processing.
Issuer authorisation
Card and PIN verification, cryptogram checks and response handling for the issuer side.
HSM and keys
Atalla, KeyUp and Futurex command integration; TR-31, TR-34 and DUKPT key flows.
Testing and certification
Simulators, test vectors, trace reviews and EMV pre-certification support.