Fime has updated a validation tool with Barnes International for issuers to test Visa's cloud-based Host Card Emulation processes and payment tokens for contactless payments.

The tool confirms issuers are personalizing Near Field Communication HCE applications correctly. Additionally, the providers analyze payment tokens to ensure they are processed in line with Visa and EMV requirements.

The ability to test cloud-based applications is an extension of the personalized validation tool's functionality that issuers, card manufacturers and personalization bureaus currently use to validate the personalization of their EMV chip payment cards and secure-element based payment devices.

The tool guides users through the validation process to access the personalization data required to analyze the applications and tokens. Existing customers can request a software update to gain the additional features, Fime said.

“This upgrade brings confidence to the testing of mobile cloud-based payments,” Vincent Poty, head of strategy and corporate development at FIME, said in a March 16 press release. “Tokens are used in EMV cloud-based payments to manage risks. The ability to test that this process is working properly is extremely important to issuers as they seek to offer increased security to their customers.”

The companies say one tool can now validate contact or contactless EMV chip cards and all form factors of secure element, and any contactless payment device such as NFC fobs, wristbands and smartwatches.

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