EMV
What is a Data Authentication Code (DAC)?
DAC is the abbreviation for Data Authentication Code. It is a piece of data assigned by the issuer and held by the terminal during the Signed Static Application Data verification process.
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"Card Data"
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Merchant & POS
What is PIN Transaction Security (PTS)?
PIN Transaction Security (PTS) verifies that card data and PIN information are used for a payment transaction. It is a set of modular evaluation requirements managed by the PCI Security Standards Council for PIN-accepting terminals.
Merchant & POS
What is AFL (Application File Locator)?
AFL (Application File Locator) is the field that shows where on the card the data needed for the authorization transaction is located. AFL is a list of the application data records on the card, and the terminal uses it to read the application data.
HCE
What Is the ISO/IEC 14443 Standard?
An international standard that defines proximity cards used in Near Field Communication (NFC) and the protocols used to communicate with them. It has 4 parts; Part 4 covers NFC and HCE operations.
ISO 8583
ISO 8583 Field Descriptions (F35)
F35 TRACK-2 DATA: The values printed to the card's Track 2 data in ISO 7813 format, including field separators and start/end sentinels, but excluding LRC (Longitudinal Redundancy Check) characters. It is 37 characters long.
ISO 8583
ISO 8583 Field Descriptions (F35)
The card's Track 2 data is carried in this field. Track 2 data contains information such as the card number, expiry date and service code.
ISO 8583
ISO 8583 Field Descriptions (F22)
F22 - POINT OF SERVICE ENTRY MODE: This field holds how the transaction was performed via the POS/ATM and the PIN entry capability of the POS device. The first 2 digits show how the transaction was performed, and the last digit (shown as x) carries the POS's PIN entry capability. Numeric...
Credit Card
What is CPV (Card Personalization Validation)?
CPV stands for Card Personalization Validation. It is Mastercard's term for the set of recommendations and instructions defined for the card personalization process. The equivalent for Visa is called GPR (Global Personalization Requirements).
Credit Card
What Is iCVV? How Is It Generated?
iCVV stands for Integrated Circuit Card Verification Value. To prevent fraud, it is a CVV value generated similarly to the card's track data and stored on the card's chip. Visa uses the term iCVV; MasterCard and American Express use their own equivalents.
EMV
What is the GET DATA command?
The GET DATA command is used to retrieve a primitive data object that is not encapsulated in a record within the current application. It is used to retrieve certain primitive data objects interpreted by the application on the ICC.
Credit Card
What Should I Do If My Card Details Are Copied?
Card copying usually happens with magnetic stripe debit cards. As soon as you notice your card details have been copied, you can close the card, renew it or change its PIN.
Credit Card
What is the Card Security Code?
The Card Security Code is a 3-digit numeric value used for cardholder verification and to reduce fraud risk. It is generated during card production and printed either on the card or encoded into the Track 1 and Track 2 data.