Definition
ICS stands for Implementation Conformance Statement. It corresponds to a series of card processing features that may be optional or mandatory depending on different factors including regulatory ones. In practice, these features correspond to business requirements that shall be certified at the “L2” and made available to “L3”.
Process
Certification processes are key in payment industry. Payment schemes’ approval services are at the core of these processes in order to guaranty the interoperability of the systems between the issuance (card side) and the acceptance (payment terminal side).
Agnoid is delivered with the ‘’L2’’ certification grade. Hence, integrators don’t need to go through another “L2” certification process at a lab. Agnoid is meant to be used as is, to be integrated into a payment application, and to be submit to CDET (Visa) certification process.
Be careful! Regions (such as Asia, Europe, US) may be ruled by a specific Visa organization that might – or not – impose regional “L3” rules. So, it is important to take into considerations local regulatory context before developing a payment application for a given market. Contact your acquirer for a better visibility.
Agnos Profiles
This section presents the reference values used to qualify Agnos L2 stack for all payment networks depicted below.
For all the ICS references below, and Agnos' options:
Optional means that the option may be set to Yes or No for a given ICS
Conditional means that the option shall be set to Yes if the condition is met
Variable means that the option is discrete
Mandatory along with Yes/Fixed means that Agnos cannot be set differently
Mandatory along with No or a discrete value means that Agnos doesn't support the option yet. Contact us for more details
For all the ICS references below, and Agnos options comments:
L3 perspective means that current Agnos implementation doesn't prevent the addition of the option after L2 certification (i.e. option is out of card processing/L2 scope)
For all the ICS references below, and Agnos options recommendations:
Wiki presents possible choices independently from platforms and customers requirements. Hence, it presents most frequent settings
For all the ICS references below, and default Agnos options values:
See Configuration Model page for each payment network
Brand | ICS Reference |
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RuPay | NPCI's specifications. Contact us |
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 | This kernel has no L2 certification decorrelate from L3 integration. Contact us |
 | Idemia’s Wise specifications. Contact us |
 | This kernel has no L2 certification decorrelate from L3 integration. Contact us |
 | European CPACE specifications. Under development… |
 | NSPK’s specifications. Under development… |