The purpose of the invention is to provide a tooling for testing an embedded POS payment terminal motherboard and a test method thereof. The tooling comprises a tooling test frame base, and a tooling ejector plate, a tooling liquid crystal display module, a tooling motherboard, and a pressing plate linked with a pressing rod, which are mounted on the tooling test frame base. The tooling motherboard is equipped with a CPU, a Norflash and an SDRAM, and is further equipped with a board card AD identification module, a power supply voltage detection module, a power supply module, a liquid crystal display module, a serial communication module, and a GPIO interface. The test method comprises the following steps: S1, a board card waiting for test is put in the tooling for test, wherein the tooling judges the version of the board card; S2, the tooling sequentially tests the performances of the board card; and if the tested board card passes all tests in S2 and all performances are qualified, test ends. The tooling and the test method have the advantage that the efficiency of motherboard test is improved and the work efficiency is improved.