# Introduction (/global/en/docs/Terminal/EMVL3/Introduction)

## What’s EMVL3

EMVL3 provide a unified transaction process that complies with EMV standards and supports accepting bank card transactions that meet the standards of various global card organizations.

EMVL2 provides different kernel functions compliant with EMV specifications for various card schemes to meet the transaction requirements of different card organizations. Unlike EMVL2, EMVL3 encapsulates the interfaces and transaction processing details of each L2 kernel, offering a single/unified EMV transaction interface externally. It automatically identifies different cards, matches the corresponding L2 kernel, and completes the transaction processing for different kernels. Developers do not need to understand the acceptance standards and requirements of different card schemes—by calling two simple interfaces, they can complete EMV transactions, effectively reducing the difficulty of use for customers.

![](https://docs.newlandnpt.us/assets/_shared/73c37453f35f/image3.png)

## What EMVL3 Provides

EMVL3 provides two sets of library files based on different platforms.

Android: Newland-EMVL3-xxxxx.aar (NPT\_SDK\Android\EMV\L3\_SDK\SDK)

## Advantages of EMVL3

|                                  |                                                                                                                                                                                              |
| :------------------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Multi-Interface Support**      | MSR、Contact、Contactless and Manual.                                                                                                                                                          |
| **Standard Transaction Process** | Supports standard payment processes from card detection, card interaction processing, to the backend of the acquiring bank.                                                                  |
| **Supports Multiple L2 Kernels** | including but not limited to Mastercard(Paypass), Visa(Paywave), American Express, Discover/Diners(D-pas), JCB, Unionpay(qUICS/QuickPass) , Pure, Rupay, Interac, Mir, Multibanco, Bancomat. |
| **Flexible Configuration**       | can adapt to the needs of different regions and payment scenarios through parameter configuration.                                                                                           |

## How to use EMVL3

![](https://docs.newlandnpt.us/assets/_shared/91c2aa5e7cc2/image.png)

## Reference

|                                 |                                                               |
| :------------------------------ | :------------------------------------------------------------ |
| **API details**                 | `NPT_SDK\Android\doc\EMV\L3_SDK\emv_l3_api`                   |
| **API calling demo**            | `NPT_SDK\Android\demos\EMV_L3_Demo`                           |
| **API usage questions**         | `NPT_SDK\Android\doc\EMV\L3_SDK\EMVL3 FAQ.pdf`                |
| **Guidance on API development** | `NPT_SDK\Android\doc\EMV\L3_SDK\EMVL3 Developer Training.pdf` |