We handle application development, testing, processor coordination and approval support, so one engineering team takes you from requirements toward certification with your Puerto Rico processor. Choose a full build, or managed certification for an application you already have.
> A0 00 00 00 03 SELECT > GET PROCESSING OPTIONS > A0 00 00 00 04 0x9000 > AAC · EMV L3 > 9F10 9F36 9F27 9F33 03 TVR > GENERATE AC ✓ APPLICATION CRYPTOGRAM ACCEPTED
Puerto Rico EMV Level 3 projects usually start in one of four places.
Your application is certified on the mainland and now needs a Puerto Rico processor path. We scope what can be reused and what has to be built or retested.
You are building or replacing a payment application for island merchants and need it certified with the processors your customers use.
You need certification capacity, a white-label option, or an integration built and taken through approval.
Retail, hospitality and unattended deployments that start in Puerto Rico and extend to other Caribbean markets.
Processors do not all use the same stages, terminology, approval paths or prerequisites, so a certification with one does not cover another.
ATH is the local debit network, owned and operated by Evertec, and it sits alongside Visa, Mastercard, Discover and American Express. ATH requirements are part of scoping from the first conversation, not an afterthought. Which brands and networks apply depends on your processor and the cards you accept.
Puerto Rico transacts in US dollars, and several processors that work on the mainland also operate there. Some work from a mainland certification can be reused, but each processor still has its own specifications, test plans and approval path.
Puerto Rico merchants and consumers use both Spanish and English, so applications often need screens and receipts in both. We confirm the requirement with your processor during scoping.
The ATH network also operates in other Caribbean markets, so an application that starts in Puerto Rico may later extend elsewhere. We plan which certifications cover which terminals and regions before testing starts.
A mainland certification does not carry over automatically to a Puerto Rico processor path. We confirm what applies with your processor during scoping.
Most delays come from missing inputs, not missing code. Who supplies each item varies by project and is confirmed in the Statement of Work.
The right engagement depends on whether the payment application already exists and how much of the work your team wants to keep.
Foundry-supported delivery can apply to compatible engagements and is covered below. Compare the options in more depth on the EMV Level 3 hub page and in Managed EMV Certification vs. Full Payment Application Development.
Custom Development → Managed Certification →The stages below are a typical example for a full build. Your Puerto Rico processor may name or order them differently, and some of the work belongs to others.
Validate transaction flows, error handling, receipts and processor-specific requirements.
Exercise terminal-to-host messaging, reversals, settlement, timeouts and production-realistic flows.
Run the card brand and ATH test suites internally before submission.
Manage submission through findings and final approval.
Findings and retesting. Reviewers may report findings. Application fixes follow, then retesting. Who makes the fixes depends on the engagement: Paying.co in a full build, and your team in managed certification unless agreed otherwise. Read the full EMV Level 3 certification process guide.
We do not publish a single timeline or price for Puerto Rico, because the factors below change both. After scoping, we quote against a defined scope. Understand the factors in the EMV certification cost and timeline guide, or get a self-serve estimate with Benchmark.
Foundry is our EMV Level 3 framework. The transaction lifecycle is built once, and processor-specific logic sits in thinner adapters. For compatible engagements it can reduce the development work, and recent engagements are showing time and cost savings of roughly 60 to 70%.
For a Puerto Rico processor without an existing adapter, the adapter is built during scoping. Whether Foundry applies, and what that means for your schedule or cost, depends on your processor, hardware and scope, and we confirm it during scoping.
Explore Foundry →The full overview: engagement options, scope, process and examples.
COUNTRYMoneris, Fiserv and Global Payments Canada, with Interac scoping.
COUNTRYSantander (Getnet México) and Evertec, with local scheme and installment scoping.
GUIDE · PROCESSThe stages, owners and handoffs in more depth.
GUIDE · BUDGET AND SCHEDULEUnderstand EMV certification cost and timeline factors.
PROCESSORThe more we know up front, the more precisely we can scope it. Please include:
Tell us about your project — we route you to the right specialist.