The payment engineer's workbench
Every field. Every bit. Nothing hidden.
Develop, test and certify ISO 8583 integrations without a production host, HSM or card in sight.
Nine simulators ship in the box · open source under AGPL v3
The complete payment journey
01 / APDU simulator
Simulate any card.
Run any L3 test case.
Drive the APDU dialogue, command by command.
Learn more02 / POS simulator
Emulate the real
terminal on your desk.
Emulate real hardware and install your APK on it.
Learn more03 / Terminal processing
A payment becomes
a message.
04 / Host simulator
The 0200 lands on
a host you control.
Answer any MTI on a host you run yourself.
Learn more- MTI
- 0200
- Bitmap
- F23A8C0000800000
- Fields
- 2, 3, 4, 7, 11…
05 / HSM simulator
Inside the
secure boundary.
Decrypt, translate and verify without the appliance.
Learn more06 / Scheme simulator
Keep the request
moving.
Route, delay or hand the request to the issuer.
Learn more07 / Issuer System
One decision.
A response begins.
Approve, decline or go silent, then send the 0210 back.
Learn more08 / The return
Back where it began.
One connected payment-testing workspace.
Explore the simulatorsDevelop → Test → Certify
For the engineer writing the integration, the QA team proving it, and the manager signing it off.
01 / Develop
Develop against simulators
No test host? Simulate one. Build against local host, HSM and scheme endpoints with realistic responses.
For payment developers
02 / Test
Test to the bit
Craft edge cases field by field, validate cryptograms and MACs, replay reversals. Deterministic and logged.
For QA & test engineers
03 / Certify
Fewer lab re-submissions
EMV L2/L3 and scheme certification prep with kernel-level tooling. Cut lab time and re-submission cycles.
For certification teams
What used to need a lab
The parts of the job that usually need a lab, a scheme contact and three weeks of waiting.
Cryptographic workbench
DUKPT, TR-31, ISO 9797 MAC, 3DES and AES in one panel, checked against payShield output.
Byte-level trace
Every field, subfield and bitmap beside the raw hex it came from.
EMV kernel tooling
APDU scripting, CVM lists and TLV editing against a live card or a simulated one.
Hosted endpoints
Point your CI at a cloud host or HSM instead of standing one up per branch.
Deterministic replay
Re-run yesterday's failing reversal with the same keys, clock and responses.
Key management
DUKPT derivation, TR-31 key blocks, key shares, KCVs, Thales and Futurex formats.
64 tools, six disciplines
The same categories as the studio sidebar — every tool documented, every workflow covered.
in the studio
Solutions & services
EMV Certification
End-to-end L1/L2/L3 and scheme certification, from test plans to sign-off.Learn more →Cloud Simulators
Hosted host & HSM endpoints for CI pipelines and distributed teams.Learn more →Payment Middleware
Switching, routing and protocol translation built on the Studio engine.Learn more →Kernel Development
EMV L2 kernel engineering for terminals, from contact to contactless.Learn more →Pre-register for Pro
Testing with a team, or certifying with a scheme? Pro raises the ceiling and adds hosted endpoints. Reserve a seat today to lock the founder rate.
Reserve a seat before launch. Pre-registration is paid and locks the founder rate for your first year.
Secure checkout · refundable until launch
Pro includes:
Frequently asked questions
ISO 8583 testing, EMV certification and HSM simulation — answered.
A desktop workbench for payment engineers: nine simulators (host, HSM, POS, APDU, switch, issuer, scheme, ATM, ECR) and 64 tools for ISO 8583, EMV, PIN, MAC and key work — on Windows, macOS and Linux, free and open source under the GNU AGPL v3.
Yes. Stand up an authorization host on your laptop, script any MTI and response code, and run a full 0200 → 0210 flow with no bank connection, no lab booking and no scheme contact.
No. The HSM Simulator implements payShield 10K host commands for key management, PIN block translation and ISO 9797 MAC verification, and its output matches a real appliance byte for byte.
That is what it is built for. Drive APDU dialogues command by command, work through certification test cases, validate cryptograms and capture logs — so you cut lab time and re-submission cycles before you book a slot.
Binary ISO 8583, hexadecimal, JSON, XML, key-value and YAML mapping, carried over TCP/IP, RS232, REST or dial-up — mapped on the way in and out.
Yes. Cloud Simulators expose hosted host and HSM endpoints so pipelines and distributed teams point at a stable URL instead of standing up an environment per branch.
The desktop studio is free and open source under the GNU AGPL v3 — no trial, no seat limit. Pro adds hosted endpoints, a higher CPS ceiling, the full algorithm set and priority support.
Download the studio.
Send your first 0200.
Send your first 0200.
Free and open source under the GNU AGPL v3. Download the studio, or star the repo and follow the roadmap.