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If you need cryptographic validation (ARQC, ARPC), consider (an educational open-source project, though not production-ready) or cloud-based test suites like EMVCo’s Test Platform (paid but lower cost than a full EMV Studio license for small teams).

EMV Studio is a sophisticated software suite designed for the development, testing, and analysis of EMV (Europay, Mastercard, and Visa) chip-based payment systems. It's a specialized tool for developers, financial institutions, and security researchers to ensure their payment technologies comply with global standards. Because of its sensitive nature, this software is typically controlled and not intended for public, casual use. emv studio v113 free link download

Generating Application Request Cryptograms for transaction simulation. If you need cryptographic validation (ARQC, ARPC), consider