All global payment networks have acquirer host and EMV chip terminal testing processes to help maintain and ensure the integrity of the payment network infrastructure and a near frictionless cardholder acceptance experience. The American Express, Discover, MasterCard and Visa testing requirements are global and are therefore also relevant to the U.S. market in order to reduce any potential interoperability issues in production. These processes follow the EMV specification, which is the generally accepted industry standard, and each global payment network’s application specification, with an objective of ensuring interoperability between all host systems, payment devices, and cardholder devices.
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