a software binaries generator for generating an executable for a source code file, wherein the source code file includes an Europay-MasterCard and Visa Consortium (EMV) kernel;

a testing environment that accepts the executable and simulates the executable with a virtual payment processing hardware system in a simulation,

wherein the testing environment verifies EMV compliance for the executable via the simulation; and

an EMV analysis module that accepts data from the testing environment regarding the simulation, conducts an analysis of the data from the testing environment, and generates a report regarding at least one potential modification of the EMV kernel based on the analysis;

wherein the analysis and the at least one potential modification are at a semantic level of EMV Level 2 compliance; and

wherein the software binaries generator generates a revised executable for a revised source code file, and the testing environment accepts the revised executable to simulate the revised executable.