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"PSE"

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Diagram showing the PSE (Payment System Environment) directory used for application selection on an EMV chip card

Credit Card

What is PSE (Payment System Environment)?

PSE (Payment System Environment) is a directory on the card named 1PAY.SYS.DDF01 for a contact chip and 2PAY.SYS.DDF01 for a contactless chip. The Candidate List built via PSE is called indirect or implicit Application Selection.

Diagram of the EMV application selection flow between the terminal and the card

Merchant & POS

EMV Chip Transaction Processing - What Is Application Selection?

In EMV transactions, Application Selection is the process of choosing among the applications supported by both the card and the terminal. It is the first stage of authorization, so it is very important. This post covers the PSE and List of AIDs methods.

Diagram of chip card file structure showing MF, DF, and EF layers

EMV

What is Dedicated File Name (DFN)?

DFN is the abbreviation for Dedicated File Name. It defines the name of the DF (Dedicated File) as described in ISO/IEC 7816-4. It is the data found in Tag 84, 5 to 16 characters in length.

Illustration showing how an Application Identifier (AID) is used in a chip card transaction

EMV

What is an Application Identifier (AID)?

The AID tells the terminal which applications are present on a chip during a POS or ATM transaction. What does the AID do? It lets the terminal determine whether it supports an application on the chip. In Tag 9F06, it is 5-16 digits long.

Reference table of ISO country codes including two-letter, three-letter, and numeric codes

ISO 8583

ISO Country Codes

In ISO messaging standards, country codes sent in fields such as F43, F19, F20, and F21 must follow a specific standard. Below is the country code list and details used for ISO, including 2-character, 3-character, and numeric codes.