"This means that adding support for EMV to existing payment applications can be a daunting task!
Furthermore, the demands of providing an EMV solution do not even stop once all the necessary processing has been implemented, thanks to the extensive type approval process enforced by the governing body, EMVCo. Before any EMV-capable solution can be deployed, there are thousands of tests that need to be passed to validate that the implementation conforms to the EMV industry standard, and as the EMV specifications are regularly updated this becomes a major task in itself! This is why many businesses requiring an EMV "Chip & PIN" solution choose to license a purpose-built EMV software kernel rather than developing their own."
