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Swittest vs Lab Test Tools

swittest offers a software-defined approach to card testing which enables EMV testing to be embedded into the development work while traditional lab certificaiton tools are used to validate the EMV tests prior to certification.

Component
Certification Tools
Certified Tool
Used for pre-qualification during development
Used by official payment lab
Automated Testing
Fully automated test suite Virtual or probe-based
Limited automation; 
mostly manual for probe testing
Custom Test Cases
Customize full EMV parameters+ transaction inputs/outputs
Restricted to brand-defined test plans and transactions only.
Virtual Cards
Configure and manage all card parameters.
Card data is fixed and not viewable or editable.
Accredited with major brands
Supports Mastercard, Visa, Discover, Amex and more
Must purchase multiple tools to cover all brands
L3 Test Coverage
Will support L3 tests
Only designed for L2
Developer-Friendly Workflows
Run full regression tests in CI or local dev environments
Run tests manually through tool interface or probe.
Debugging Tools Built-in
Includes log parser and developer toolbox
Must use third party tools.
Certification SDK
Provide interface and custom test suites to the lab
Must use SDK provided by L2 stack.
API Access
Build or integrate custom test scripts or a custom UI
Standalone tools only.
Cloud Based
Compatible with Mac and most platforms
Mostly windows-only with proprietary probes
Flexible Pricing Model
Subscription Based
Licenses per user

Lab tools for pre-certification and validation.

Lab certification tools are designed for formal pre-certification testing. They're typically used by QA teams at the end of the development cycle to validate that the application conforms to specific test plans from each card brand. These tools are required to obtain official EMV Level 2 certifications and often rely on probe-based hardware and manual processes.

Swittest for developers.

By contrast, Swittest is designed for payment application developers and integrates directly into their daily workflows and enables:
- Automated testing of EMV Level 2 functionality on every commit
- Custom test cases to simulate edge cases beyond standard test plans
- Virtualized test environments that don’t require physical terminals

This gives developers the tools they need to build for certification from day one—catching issues early, validating updates quickly, and expanding test coverage beyond what’s possible with certification tools alone.

Why combine Swittest + lab tools? 

Swittest and lab tools serve different but complementary roles.
Teams can use Swittest during development to:
- Run EMV L2 tests continuously in CI pipelines or local dev environments
- Quickly debug issues using virtual terminals and developer logs
- Validate fixes across multiple brands and configurations before involving QA or external labs
- Then, use lab tools at the end of the cycle for formal pre-certification with official probes and documentation.

By combining both tools:
- Developers gain autonomy to test and improve their code without waiting on QA
- QA teams receive better-prepared builds, reducing back-and-forth during certification
- Teams gain more test coverage, improve quality, and shorten time-to-certification

Get started with
swittest

Register for our early access program with flexible pricing based on test executions.​ Access fully managed L2 test plans and automated validation tools.​ Compatible with major EMV kernels.​