The global landscape for issuers, personalization bureaus and smart card providers has become increasingly complex. Issuance and personalization of card data must comply with constantly changing rules for security and interoperability. Smart cards need to be functionally compliant with the specifications set by industry regulators and standardization bodies, such as EMVCo, GlobalPlatform and payment brands.

Within this intricate and evolving environment, UL is a complete service provider and partner, able to help ensure the compliance and global interoperability of all payment cards and applications in the fastest possible way.

We are a single, expert resource for issuers, card manufacturers and personalization bureaus, offering prevalidation and certification test tools, functional and security testing, EMV migration test tools, test execution and certification services on behalf of the major payment brands (MasterCard, Visa, American Express, Discover, UnionPay International). Our highly experienced team also provides strategic technical guidance through mobile payment or EMV implementations, including host card emulation (HCE) and cloud-based payments.

Over the years, we have assisted hundreds of banks and personalization bureaus with their EMV implementation projects—adhering to EMVCo Level 1 and Level 2—as well as MasterCard Card Personalization Validation (CPV) testing, prevalidation, validation, execution and certification.

UL also offers functional testing services and test tools in addition to approval services and security evaluation services for smart cards. Customers are able to leave their smart cards with UL, where all test services can be performed, as a single contact point and for a more efficient testing process.

Our testing and validation services are performed in advanced testing facilities, all equipped with a wide range of automated measurement equipment. They have all been independently assessed and accredited to the most stringent standards. This includes ISO/IEC 17025, the international testing laboratory competency standard.

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