E1 EMV for payment developers

Needs: Supporter

Lesson E1: Chip vs stripe, TLV, the transaction at a glance, ARQC / ARPC key derivation and field 55.

This is a supporter feature. Create a free account, then try every supporter feature free for 7 days.

Sign in

Create a free account

See plans

The opening of the lesson

Why it matters

A chip card does more than store data: it computes a fresh cryptogram for every transaction. That cryptogram is what makes counterfeit cards and replays fail. Most of what EMV adds is invisible above the terminal kernel, but a payment developer or tester still needs to know:

what the chip proves;
what travels in field 55;
how the issuer checks the cryptogram;
what happens when it fails.

This module is the developer's primer. The EMV Certification group goes deeper, through Levels 1 to 3, with a simulator and test cases.

In the full lesson

The concept
Step by step: the issuer's side
In the real world
Common mistakes
What to test

What module E1 covers →

The rest of the lesson opens with a supporter pass, which you can try free for 7 days.