SmartSoft offers an EMV/Contactless Level 2 Kernel Simulator to help terminal vendors access all the information about the EMV transaction. It contains an EMVCo Certified EMV Level 2 Kernel application as an engine that works behind, which ensures compliance with EMV standards. The EMV/Contactless Level 2 Kernel Simulator performs all transaction steps of the EMV/Contactless Level 2 Kernel according to EMV standards.  For each step of the Kernel, the user can analyze all of the processing performed both in the card and terminal sides. Very complex calculations that take place during transactions (such as decryption of certificates, terminal risk management calculations) are presented to the user in a user-friendly form. This allows the users to understand all the complex issues of EMV standards.