EMV Transactions: Module 4 - Expert

Learn about APDUs and transaction troubleshooting.

Finish your journey into the exciting world of EMV with the last module of our flagship course 'Fast track to EMV transaction expertise", and learn about APDUs and transaction troubleshooting.

The complete course bridges the knowledge gap between IT and EMV .

The 4 modules together build up our "Fast track to EMV transaction expertise" course, and are equivalent to a 2-day course with a highly experienced instructor, and learning outcomes are reached with taught lessons, quizzes and 20 practical exercises with the guided analysis of 50+ transaction logs.


EMV Module 4 is a 6-hour course that focuses on APDUs, the EMV commands that constitute the implementation of the transaction flow, and that brings all the concepts taught in all the modules together with a step-by-step guide to transaction troubleshooting.

Intended audience

This last module is very technical, and can be taken by anyone with basic IT knowledge who wants to start a journey towards EMV transaction expertise. We strongly advise completing Module 1, 2 and 3 before taking this Module 4.

The course was built with the following audience in mind: people who need strong 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

Students will be able to download a flowchart diagram to analyze transactions.

Unique learning approach

The learning path is one of increasing complexity, with building blocks to construct the EMV knowledge, and practical exercises and quizzes to keep students engaged. The complete course contains 20 practical exercises with the guided analysis of 50+ transaction logs.

The EMV Module 4 course explains in details all the APDUs – the EMV commands. This is where the rubber hits the road, where all this knowledge that will have been accumulated in the previous modules is turned into a communication between two devices, with all its complexity. In this chapter, students will go through the guided analysis of over 50 transaction logs, effectively seeing the vast majority of the points of failure in EMV transactions, and determining what caused them.

Finally, in the wrap-up session, the course shares diagrams for transaction analysis which are based on the instructor’s 10 years’ experience in this line of work. It also goes through the detailed analysis of several EMV transactions to bring all the chapters together, and to see which ones were successful, which ones failed, and the reasons for failure.

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 4-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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