Terms of Service

Effective Date: January 1, 2026 • Operated by Nexa Frontier dba IsoFluent

1. Purpose of the Platform

IsoFluent Payment Workbench (https://isofluent.com), operated by Nexa Frontier dba IsoFluent, provides B2B software engineering reference documentation, protocol decoders, and cryptographic verification calculators for financial messaging standards including ISO 8583, ISO 9564, ANSI X9.24 / TR-31, and EMVCo specifications.

2. Acceptable Use Policy (Authorized Sandbox & QA Testing Only)

All utilities on this site—including the Test Card Generator, CVV/dCVV Calculators, ARQC Cryptogram Calculators, and ISO 9564 PIN Block tools—are provided exclusively for authorized software development, quality assurance (QA), EMV certification, and sandbox integration testing.

  • Non-Issuable Test Vectors Only: Our Test Card Generator produces mathematically Luhn-valid numbers using standard sandbox prefixes that are not tied to any real financial institution or cardholder account.
  • Prohibition on Production Keys & Live PANs: Users must never input live production Primary Account Numbers (PANs), live cardholder PIN blocks, or production Hardware Security Module (HSM) keys into any web browser utility.
  • No Unauthorized Use: Attempting to use any calculator or reference data on this site to test, probe, or transact against unauthorized payment gateways or merchant checkouts is strictly prohibited.

3. Disclaimer of Warranties & Limitation of Liability

All developer tools and technical reference guides are provided "AS IS" without warranty of any kind, express or implied. While our deterministic parsers and cryptographic implementations are validated against official NIST, ISO, and EMVCo test vectors, Nexa Frontier dba IsoFluent assumes no liability for integration errors, certification delays, or damages arising from the use of these tools.

4. Contact Information

Questions regarding these Terms of Service, enterprise whitelisting, or consulting engagements may be directed to:

Legal Entity: Nexa Frontier dba IsoFluent
Support & Compliance: [email protected]
Consulting & Sales: [email protected]