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Merchant & POS
The Upper Consecutive Offline Limit is the maximum number of consecutive offline transactions allowed by the issuer's chip card application on a terminal that cannot go online. It is held in tag 9F23.
Credit Card
The Application Interchange Profile indicates the application functions supported by the card. The AIP values and their descriptions are given below. Where is the AIP found? The AIP is a 2-byte piece of data stored on the card, carried under EMV tag 82.
3D Secure
Isbank (Turkiye Is Bankasi) has completed Europe's first migration to EMV 3D Secure 2.0, the current version of the 3D Secure authentication infrastructure used to verify cardholders in online card purchases. Deputy General Manager...
ISO 8583
DE 48 - ADDITIONAL DATA: these are additional data fields that can be used specifically for transactions. It is 255 characters long. Field F48 carries many pieces of information and is divided into PDS (Private Data Subelements).
Merchant & POS
Address Verification Service (AVS) is a fraud prevention system that helps limit fraud and chargebacks when used effectively. It verifies that the address a customer enters matches the cardholder's address on file with the issuer.
Security
“Software-based Mobile Payment Security Requirements” is a document published by EMVCo in April 2020 to guide payment application developers in building secure payment applications. This post summarizes its purpose and who it concerns.
Payment Systems
TCR stands for Transaction Record Component, the packets that carry transaction information in a clearing system. Transaction types in a clearing file are distinguished by transaction code and usage code values, and this data is sent inside TCR packets.
ISO 8583
We covered the ISO 8583 basics in an earlier article. This post explains the ISO 8583 message structure in detail: every ISO 8583 message consists of three main parts - the MTI (Message Type Indicator), the Bitmap, and the Data Elements.
Merchant & POS
A PIN pad lets cardholders safely enter their PIN during POS transactions and lets contactless cards be tapped to transfer card data to the POS. Here is how it works.
Online & Authorization
A reference guide to authorization response codes seen on POS and ATM transactions, with plain-language explanations of what each code means and what to do about it.
Credit Card
Application Preferred Name is an optional alphanumeric EMV data element of 1–16 characters, sent in tag 9F12. It is stored on the card and gives the card application a more descriptive name than the Application Label.
Payment Systems
Contactless payment has greatly improved the user experience, yet its fixed transaction limit is a common complaint. Can this limit be managed dynamically per customer? This post covers the current situation, technical and regulatory requirements and the outlook.