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  • Capability

Issuing Bank Payment Security

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

Man paying with smartphone using NFC

In a relatively short time, digital technology has revolutionized the way we live. As digital payments become more prevalent, issuing banks have an opportunity to become central to their customers’ daily secure banking needs.

UL services for banks payment security

Issuer host testing automation

  • Support in developing the test automation strategy of issuing 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.

API testing

  • UL Host Testing Solution can help you enable API test automation through our API emulation  and  simulation modules
  • Custom test plan development and support based on compliance and security needs

Open banking APIs

  • Support in defining the API strategy for all types of banking needs
  • Regional Market analysis and feasibility studies around best practices for the implementation of open APIs


EMVCo 3D Secure

  • Support in the development of 3DS component and 3DS data strategy
  • PCI 3DS security advisory services and  evaluation
  • 3DS Approval services for end-to-end testing and certification
  • 3DS Self-Test platform

Mobile payments

  • UL can support in defining the architecture of mobile wallets based on NFC, QR, SE, HCE
  • Integration of white label mobile wallets with mobile banking apps
  • Interoperability testing support
  • 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

  • Card Personalization Validation
  • EMVCo 3D Secure testing and certification
  • Level 1 and Level 2 Card Type approval labs
  • Issuer Host testing and certification

Why UL for issuing bank payment security

UL is a comprehensive service provider to issuing banks for all pre-validation, certification, and interoperability solutions necessary to be successful in the transforming payment ecosystem.

Let us help you to ensure meeting compliance needs and taking full advantage of emerging opportunities in the smart payments space. We aim to help you achieve:

  • Improved customer satisfaction
  • A compelling competitive advantage
  • Smooth and on-time deployments of new payment products

If reducing costs, time to market and risks are top priorities for your business, let us assist you to efficiently manage product updates and scheme compliance throughout your entire development lifecycle.

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