Abstract: A method, an apparatus, and a system for testing a terminal. The method includes: receiving a smart card switching instruction; acquiring a card channel identifier from the smart card switching instruction; switching a connected-card channel to a target card channel corresponding to the card channel identifier when the target card channel corresponding to the card channel identifier is a contactless card channel; receiving a data request for a terminal test; acquiring, through a first relay repeater, response data in response to the data request, from a smart card to be tested within the target card channel; and sending, through a second relay repeater, the response data to the terminal whereby accomplishing the terminal test.