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Acquiring Bank Payment Security

Acquiring banks and payment processors rely on UL to help them grow merchant accounts and transaction volumes, keep pace with new payment technologies and reduce technical and regulatory complexity.

Inserting credit card into POS machine

In today’s evolving payment ecosystem, acquiring banks and payment processors aim to increase and retain merchant adoption. Consumers are demanding new technologies and payment options. Merchants need acquiring banks and payment processors that help them stay ahead of the competition, with payment methods that are integrated securely and deployed successfully.

  • Increase speed to market and operational efficiency
  • Enhance merchant relationships
  • Improve revenue and portfolio growth
  • Implement quickly with automated onboarding and integration support for partners
  • Automate host and terminal testing

UL solutions

EMV contact and contactless migration

  • EMV migration and implementation strategy support for acquiring host
  • Card brand requirements and industry best practices
  • Acquirer Host Test Plan and Test Strategy
  • EMV Testing and Certification Labs
  • Remote and onsite technical consulting support

EMVCo3D secure

  • Support in the development of 3DS component and 3DS data strategy
  • PCI 3DS Security advisory and evaluation to help ensure compliance and security
  • 3DS approval services fr end-t-end testing and certification
  • 3DS Self-Test Platform


Acquirer Host Testing Automation

  • Support in developing the test automation strategy of acquiring host
  • UL transaction generation and host simulation web-based platforms can automate the end-to-end host testing across all types of card-present and card-not present transactions. 



Terminal Testing Automation

  • Automate terminal testing using UL host simulators and UL Brand Test Tool
  • Custom solutions to automate different types of terminal hardware

PCI Security Consulting and Evaluations

Mobile Payments and SoftPoS Tap on Phone

  • UL can support in defining the architecture of mobile wallets based on NFC, QR, SE, HCE.
  • Integration of white label mobile wallets with merchant mobile apps
  • Security evaluation

UL support from strategy to compliance

Strategic and technical advisory

  • Market analysis
  • Feasibility study
  • Build vs buy decision
  • Vendor selection
  • Business requirements
  • Architecture definition
  • Gap analysis
  • Business and technical requirements
  • Implementation strategy
  • Test plans and test strategy
  • Training and workshops


Testing and certification

  • EMVCo 3D Secure testing and certification
  • EMVCo Level 1 and Level 2 Type approval labs
  • EMV Level 3 terminal testing and certification
  • Card personalization validation
  • Interoperability testing
  • Acquirer host testing and certification

Why work with UL for acquiring bank payment security

Acquiring banks and payment processors work with UL to gain flexibility and scalability and achieve accelerated business growth. We deliver testing and certification expertise globally, providing acquiring banks and payment processors with a flexible range of support. We aim to help you achieve:

  • Increased speed to market and operational efficiency
  • Enhanced merchant relationships
  • Improved revenue and portfolio growth

Let us help you meet your compliance needs and take full advantage of emerging opportunities in the smart payments space.

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