Contactless EMV: Module 3 - Expert

Take a deep dive into the transaction flow and the EMV mode APDUs for the different kernels.

Finish your journey into the exciting world of Contactless EMV with the last module of our course 'Fast track to Contactless EMV expertise'.

Learn about the transaction flow for EMV mode, for kernels that are driven by a TTQ and those that are not. Take a deep dive into the APDUs and the new tags for contactless, and learn how to troubleshoot transactions.


Contactless EMV Module 3 is a 7-hour technical course that really focuses on EMV mode: APDUs, tags and troubleshooting. This module comes with practical exercises to help you assimilate the new concepts and to get practical experience on contactless EMV transaction analysis.

Intended audience

This last module is quite technical, and can be taken by anyone with basic IT knowledge who wants to start a journey towards contactless payment expertise. We strongly advise completing Modules 1 and 2 before taking this Module 3.

The course was built with the following audience in mind: people who need strong Contactless EMV technical knowledge to be effective and efficient in their work. This includes roles in the following areas:

  • Payment terminal EMV certification
  • Payment terminal integration
  • Payment terminal development or quality assurance
  • Troubleshooting transaction failures for banks or acquirers
  • Chip card issuance
  • Chip card development or quality assurance
  • Consulting in any of the areas above

Unique learning approach

The learning path is one of increasing complexity, with building blocks to construct the Contactless EMV knowledge, and practical exercises and quizzes to keep students engaged.

This is the last of 3 modules that will take you on a path towards Contactless EMV expertise.

The Contactless EMV Module 3 course starts with a deep dive into the transaction flow and the APDUs for TTQ-driven kernels (VISA, Discover, UnionPay). It looks at the new tags introduced specifically for contactless, which help transactions be processed faster. It explains how CVM selection is performed on those kernels, and how processing restrictions are enforced. It also briefly looks at how issuer scripts can be processed on those kernels.

The course then provides similar coverage of the other kernels (MasterCard, American Express and JCB). The transaction flow and the overall process is different, and the course highlights those differences and takes the student through how the APDUs are used with those kernels to complete transactions.

In the final chapter, the course provides a guided method to perform transaction analysis and troubleshooting, which includes a couple of diagrams that the student can download and print. This method is based on the instructor’s 10-year experience performing such analysis. The course also takes the student through 5 examples of contactless transactions being analysed with those troubleshooting diagrams.

Your Instructor

Herve Zenner
Herve Zenner

I have a passion for helping people reach their full potential. As a strong believer of the concept of sustainable leadership, I can feel the pain of employees who cannot perform at their best because of the difficulty of knowledge transfer. In my previous role in product marketing for a very complex payment simulator, I was faced with bridging this knowledge gap on a regular basis. The payment industry is one where the barrier to entry is high, and it should not be this way because it hinders growth for everyone.

My most prized accomplishment in my career is the development of a formalized payment education program for South Africa, which has seen over a hundred students with IT backgrounds turned into payment experts able to proficiently operate our payment simulator. This was made possible thanks to many other education experiences, technical or process-oriented.

Because I am an INTJ in the Myers-Briggs model, you can be sure that the content of my courses is fully thought-out and takes into consideration all aspects needed to reach the targets. I am really good at putting myself in my students’ shoes, to find the path that will take them from where they are to where they want to be.

Want to know more about my credentials?

During my 10 years of strong, technical experience in the card payment industry, I worked in development and QA for the two leading chip card manufacturers, Gemalto and Oberthur. I also held a position of security analyst for EMV products in a lab, which provided a deep understanding of the internal working of payment cards.

My longest position was with Acquirer Systems, a small company which created the best, and most complete, payment simulator on the market (it now belongs to UL). During that time, I held just about every position that there is to fill in a small company, doing software development, QA, customer support, then moving to consulting, pre-sales and education. I built a complete library of deep, technical knowledge in all aspects of card payment transactions, from the card in your pocket to the authorization by the banks.

I am also fully qualified for the positions I have held until now, and fully prepared for the challenges of the future. I hold an MSc in engineering from a French college, and an Executive MBA from Trinity College Dublin.

Watch the presentation video for the 3-module course!

Frequently Asked Questions

When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.

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