What ICC Solutions does

ICC Solutions Ltd is a privately held UK company founded in 1996 and headquartered in Warrington, Cheshire, that provides qualified EMV test tools and certification services for payment terminals, ATMs, and merchant POS systems. Its flagship ICCSimTMat product family offers fully accredited Level 2 and Level 3 test suites covering contact and contactless EMV for all major payment brands — Visa, Mastercard, American Express, Discover/Diners, INTERAC, JCB, UPI, and others — and the company was the first test tool vendor to receive formal EMVCo qualification for the L3 Card Simulator test environment. Brand-specific SKUs extend coverage to acquirer integration, notably VIABLE (built for Worldpay merchants and ISVs with closed-loop host simulation) and TMat for Fiserv (integrated with the Fiserv portal). The portfolio also includes merchant test cards, the Auto API add-on for integration with external robotics or customer test-automation software, and a Testing & Certification Services offering in which ICC's in-house QA team performs on-site or remote certification engagements.

The company generates revenue through a mix of one-time and subscription software licensing for the test suites, recurring annual maintenance contracts that include software updates and automatic card releases, physical test-card hardware sales, and professional services for certification. It is founder-led (Dave Maisey, CEO and Founder Director since 1996) and distributes globally through a network of regional partners and resellers — Argotechno (Brazil/Europe/USA), Digiworld Design (Hong Kong/China), Positive One Corporation (Japan), OmniPay, and IntelliQA — exporting to over 100 countries. Headcount has grown from 3 employees at founding to over 40 by 2024/2025, and the company has accumulated four Queen's Awards for Enterprise (two for Innovation, two for International Trade) along with UKTI/Commonwealth First Export Champion designations.

Strategic positioning is anchored on regulatory qualifications (EMVCo, Discover, JCB, Visa), brand- and acquirer-specific OEM-style integrations (Worldpay VIABLE, Fiserv TMat), and ecosystem partnerships with complementary vendors (KEOLABS for automated test execution, IntelliQA for end-to-end POS/fuel retail automation, Iliad Solutions for joint Level 3 certification services). Customer concentration is moderate, with named enterprise accounts spanning fuel retail (IP&E Holdings), payment processing (Fiserv, Worldpay), and testing services (KEOLABS, IntelliQA, Iliad), while the addressable base includes terminal vendors, ISVs, merchants, and acquirers globally. The company does not disclose financial metrics and has no disclosed equity capital raises, operating as a self-sustaining, founder-owned business.

Name

ICC Solutions

Legal name

ICC Solutions Ltd

Website

https://iccsolutions.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

ICC Solutions Ltd provides qualified EMV Level 2 and Level 3 test tools, test cards, and certification services to payment terminal vendors, ISVs, merchants, and acquirers across more than 100 countries from its Warrington, UK headquarters.

Ownership category

akta.pro rank

Product category

Payment Testing Software (EMV Certification)

NAICS

Testing Laboratories and Services (541380)

SIC

Services-Testing Laboratories (8734)

akta.pro primary industry

Conformity Assessment, Testing, Inspection & Certification Cooperation (BPADANAD)

Keywords

• EMV testing solutions
• Payment terminal certification
• EMV Level 3 testing
• Payment brand accreditation
• Merchant test cards

Headquarters

HQ city

Warrington

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Supply Chain, Marketing or Sales, Operations, Infrastructure

Revenue model

1. EMV Test Tools and Software Licenses: Sale of qualified EMV test suites (ICCSimTMat) for Level 2 and Level 3 testing. Software is instantly downloadable from a secure platform. One-time or subscription-based licensing model with annual maintenance options.
2. Merchant Test Cards: Physical test cards sold to merchants, ISVs, and terminal vendors to simulate EMV payment transactions. Cards are despatched within 5-10 working days of payment receipt.
3. Annual Maintenance and Support Contracts: Annual maintenance contracts providing access to software updates, new test card releases, and helpdesk support. Includes 12 months access to support team, instant access to updated testplans via client portal, and automatic card releases when test plans are updated.
4. Testing and Certification Services: In-house testing and certification services performed by ICC Solutions' team for merchants requiring formal certification. Includes on-site and remote engagement options.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

ICC Solutions develops and sells qualified EMV test tools (ICCSimTMat brand) for Level 2 and Level 3 certification of contact and contactless payment terminals, ATMs, and SoftPOS solutions. It complements these with physical Merchant Test Cards, the VIABLE Test Kit for Worldpay, TMat for Fiserv, and Auto API automation, and delivers in-house Testing & Certification Services to merchants and acquirers across all major card schemes including Visa, Mastercard, American Express, Discover, JCB, INTERAC, and UPI.

Product overview

ICC Solutions provides a comprehensive portfolio of EMV payment testing solutions consisting of the ICCSimTMat brand of test suites for Level 2 and Level 3 EMV certification, the VIABLE Test Kit for Worldpay merchants, the TMat for Fiserv for U.S. acquirer testing, Merchant Test Cards, the Auto API add-on for test automation, and Testing & Certification Services. The products span the full EMV testing path from initial quality assurance through regression testing and formal merchant certifications, covering all major payment brands including American Express, Discover, INTERAC, JCB, Mastercard, Visa, and others. The portfolio includes specialized solutions for contact, contactless, mobile, and transit payment terminals.

Differentiator

Problem solved

Functional benefit

Brands

• ICCSimTMat: EMV test suite portfolio for Level 2 and Level 3 testing covering all major payment brands including Visa, Mastercard, American Express, Discover, JCB, and INTERAC.
• VIABLE Test Kit
• ICCSimTMat for Fiserv
• Auto API

Products and services

• ICCSimTMat Test Suites Flagship brand of qualified EMV test suites for Level 2 and Level 3 certification, covering contact and contactless transactions across all major payment brands (American Express, Discover, INTERAC, JCB, Mastercard, UPI, Visa). Used by terminal vendors, ISVs, merchants, and acquirers to certify POS terminals, ATMs, and mobile payment solutions.
• VIABLE Test Kit Closed-loop EMV testing solution for Worldpay merchants and ISVs providing host simulator software for acquirer authorisation request and response simulation, eliminating the need for online connectivity. Used by merchants and acquirers to certify Worldpay terminals.
• TMat for Fiserv EMV test tool for merchants and ISVs integrated with the Fiserv portal. Supports American Express, Discover, INTERAC US, Mastercard, and Visa test cases, and enables project management plus log upload during and after testing.
• Merchant Test Cards Physical test cards used by merchants, ISVs, and terminal vendors to simulate EMV payment transactions, validating that devices accept and return correct responses. Available across Visa, Mastercard, American Express, Discover, and other major payment brands.
• POS & ATM Testing Solutions Complete set of qualified test suites for payment brand accreditation of contact and contactless EMV terminals and ATMs, fully approved by all major payment brands and used by terminal vendors and ISVs.
• Testing & Certification Services Professional testing and certification services delivered by ICC Solutions' QA team for merchants and acquirers, including on-site testing, terminal certification, and support for EMV contact and contactless testing phases.
• Visa CEMEA SCA Testing EMV Level 3 test tool addition for contactless-enabled chip terminals operating in CEMEA countries, covering mandatory Strong Customer Authentication (SCA) regulatory requirements effective September 2025.
• ICCSimTMat JCB Level 2 Test suite for JCB payment brand Level 2 (kernel) certification, released in May 2022 with full accreditation for use by terminal kernel developers.
• ICCSimTMat JCB Level 3 Test suite for JCB payment brand Level 3 certification, enabling merchants and ISVs to complete JCB EMV testing and certification.
• Auto API Add-On Add-on enabling automated testing of ICCSim tools with external hardware (robots) or customer's own test automation software, allowing unattended execution of EMV test cases.

Quantifiable outcome

• Around 90% of EMV tests can be automated without intervention using the ICC Solutions and KEOLABS partnership (NomadLab emulator with ICC Solutions test suites)
• +1 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core.

• KEOLABScoreStrategic or Co-development Partner · 1 January 2019Partnership to streamline EMV automated testing. With the launch of the Visa Automated Test Suite in 2019 and Visa's desire to automate testing, the partnership enables customers to purchase all elements for automated testing. Using NomadLab emulator with ICC Solutions test suites, around 90% of tests can run without intervention. From January 2022, KEOLABS contact emulator works with automated EMV Level 2 test suite.
• ArgotechnocoreChannel Partner/ Reseller/ DistributorRegional distributor covering Brazil, Europe, and USA. Contact: Mr Alex Gama dos Santos ([email protected]). Helps bring ICC Solutions' portfolio to customers in these regions.
• Digiworld DesigncoreChannel Partner/ Reseller/ DistributorRegional distributor covering Hong Kong and China. Contact: Mr Silva Wong ([email protected]). Offices in Hong Kong, China, and U.S. (tel: +86 186 8155 4407 China, +852 9577 6030 HK, +1 800 450 0509 US).
• OmniPaycoreChannel Partner/ Reseller/ DistributorReseller partner. Contact: Mr Shawn Usmani ([email protected], www.omniintegrate.com).
• Positive One CorporationcoreChannel Partner/ Reseller/ DistributorRegional distributor covering Japan. Contact: Mr Yang Xu ([email protected], www.positive-one.com).
• IntelliQA LimitedcoreChannel Partner/ Reseller/ DistributorGlobal reseller and strategic partner. Contact: Mr Paul Kaye ([email protected], www.intelliqa.com).
• Iliad SolutionscoreStrategic or Co-development PartnerICC Solutions pooled its acclaimed card scheme capabilities with testing and certification specialist Iliad Solutions to offer a compelling EMV Level 3 service for global businesses looking to deliver modern payment experiences.
• IntelliQAcoreStrategic or Co-development PartnerStrategic partnership bringing together ICC Solutions' EMV testing expertise with IntelliQA's point-of-sale and fuel payment test automation. Enables complete end-to-end testing solutions from the register, PIN pad, and peripherals. Combines enterprise-grade test automation with ICC Solutions' EMV technology for broader automated testing including the complete point-of-sale system.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Intertek: Intertek provides a wide range of testing, inspection, and certification services including payment terminal and EMV-related testing, overlapping with ICC Solutions in payments while operating at much larger scale across other verticals.
• Bureau Veritas: Bureau Veritas is a global testing, inspection, and certification incumbent that offers payment terminal compliance testing as part of a much broader TIC portfolio, competing for large enterprise testing contracts alongside ICC Solutions.

Emerging players

• Riscure: Riscure is a security testing lab providing EMVCo and payment security evaluations alongside broader hardware/software security testing, partially overlapping with ICC Solutions' certification services in the payments segment.
• KEOLABS: KEOLABS provides EMV contact and contactless test tools and the NomadLab emulator used in ICC Solutions' automated testing partnership. It is both a partner and a partial competitor in the automated EMV testing space.
• Consult Hyperion: Consult Hyperion is a UK-headquartered payments consultancy and testing specialist covering EMV, open banking, and digital identity, overlapping with ICC Solutions in payments testing while serving a different mix of consultancy-style engagements.

Regional players

• Panamax Inc: Panamax is a payment technology and EMV testing specialist serving acquirers and merchants in South Asia and the Middle East, offering comparable Level 2 and Level 3 testing services to ICC Solutions in regional markets.

Direct peers

• Iliad Solutions: Iliad Solutions is a payments testing specialist offering EMV Level 3 certification services in partnership with ICC Solutions, and provides overlapping tools and consulting to merchants and acquirers seeking terminal certification.
• B2 Payment Solutions: B2 Payment Solutions provides EMV test tools and consulting for payment terminal certification across North America and globally, with overlapping product portfolios (L2/L3 test suites) and similar merchant/acquirer customer profiles to ICC Solutions.
• UL Transaction Security (Collis / FIME): UL's Transaction Security division (built on the Collis and FIME acquisitions) is the largest direct competitor to ICC Solutions in EMV Level 2 and Level 3 test tools and certification services for payment terminals, serving the same acquirers, schemes, and terminal vendors globally.
• Galitt: Galitt is a French-headquartered payments specialist offering EMV testing tools, consulting, and certification services for payment terminals and issuers, competing directly with ICC Solutions in European and African markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/icc-solutions-ltd
• Xx.com/iccsolutions
• Facebookfacebook.com/iccsolutionsltd

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ICC Solutions