HPS Integrator's Guide V 16.1.1 Jun 2016

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Heartland Integrator’s Guide
Version 16.1.1
June 2016

For Internal Use Only

Notice

HPS Integrator’s Guide V 16.1.1

Notice
THE INFORMATION CONTAINED HEREIN IS PROVIDED TO RECIPIENT “AS IS” WITHOUT
WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE, OR WARRANTY OF TITLE OR NON-INFRINGEMENT. ALL SUCH WARRANTIES
ARE EXPRESSLY DISCLAIMED.
HEARTLAND PAYMENT SYSTEMS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT,
SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OF
ANY INFORMATION CONTAINED HEREIN, WHETHER RESULTING FROM BREACH OF
CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, OR OTHERWISE, EVEN IF
HEARTLAND PAYMENT SYSTEMS HAS BEEN AISED OF THE POSSIBILITY OF SUCH
DAMAGES. HEARTLAND PAYMENT SYSTEMS RESERVES THE RIGHT TO MAKE
CHANGES TO THE INFORMATION CONTAINED HEREIN AT ANY TIME WITHOUT NOTICE.
THIS DOCUMENT AND ALL INFORMATION CONTAINED HEREIN IS PROPRIETARY
HEARTLAND PAYMENT SYSTEMS INFORMATION. UNDER ANY CIRCUMSTANCES,
RECIPIENT SHALL NOT DISCLOSE THIS DOCUMENT OR THE SYSTEM DESCRIBED
HEREIN TO ANY THIRD PARTY WITHOUT PRIOR WRITTEN CONSENT OF A DULY
AUTHORIZED REPRESENTATIVE OF HEARTLAND PAYMENT SYSTEMS. IN ORDER TO
PROTECT THE CONFIDENTIAL NATURE OF THIS PROPRIETARY INFORMATION,
RECIPIENT AGREES:
(A) TO IMPOSE IN WRITING SIMILAR OBLIGATIONS OF CONFIDENTIALITY AND
NONDISCLOSURE AS CONTAINED HEREIN ON RECIPIENT’S EMPLOYEES AND
AUTHORIZED THIRD PARTIES TO WHOM RECIPIENT DISCLOSES THIS
INFORMATION (SUCH DISCLOSURE TO BE MADE ON A STRICTLY NEED-TO-KNOW
BASIS) PRIOR TO SHARING THIS DOCUMENT AND
(B) TO BE RESPONSIBLE FOR ANY BREACH OF CONFIDENTIALITY BY THOSE
EMPLOYEES AND THIRD PARTIES TO WHOM RECIPIENT DISCLOSES THIS
INFORMATION.
RECIPIENT ACKNOWLEDGES AND AGREES THAT USE OF THE INFORMATION
CONTAINED HEREIN SIGNIFIES ACKNOWLEDGEMENT AND ACCEPTANCE OF THESE
TERMS. ANY SUCH USE IS CONDITIONED UPON THE TERMS, CONDITIONS AND
OBLIGATIONS CONTAINED WITHIN THIS NOTICE.
THE TRADEMARKS AND SERVICE MARKS RELATING TO PRODUCTS OR SERVICES OF
HEARTLAND PAYMENT SYSTEMS OR OF THIRD PARTIES ARE OWNED BY HEARTLAND
PAYMENT SYSTEMS OR THE RESPECTIVE THIRD PARTY OWNERS OF THOSE MARKS,
AS THE CASE MAY BE, AND NO LICENSE WITH RESPECT TO ANY SUCH MARK IS EITHER
GRANTED OR IMPLIED.
To verify existing content or to obtain additional information, please call or email your assigned
Heartland Payment Systems contact.

2

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

Release Notes

Release Notes
Version 16.1.1 Release Notes
Version
16.1.1

Release Date
June-2016

Revisions
General release clarification updates:
• Correction to the PRIMARY ACCOUNT NUMBER - minimum length is 16
digits:
– Table 3-20 MasterCard Track 1 Format, pg. 49
– Table 3-21 MasterCard Track 2 Format, pg. 49
– Table 3-22 MasterCard Fleet Track 1 Format, pg. 51
– Table 3-23 MasterCard Fleet Track 2 Format, pg. 52
– Table 3-24 MasterCard Purchasing Track 1 Format, pg. 53
– Table 3-25 MasterCard Purchasing Track 2 Format, pg. 54
• Added clarification that EMV Void request should contain the ‘final’ chip data
from the original authorization:
– Table 5-11 Full vs. Partial Credit Transactions, pg. 98
– Table 5-12 Full vs. Partial Debit Transactions, pg. 99
• Table A-15 Multi Service BIN Ranges, pg. 246: Updated bin ranges.
Removed Multi Service Government Air card bin ranges, as this card is no
longer used.

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

3

Release Notes

4

HPS Integrator’s Guide V 16.1.1

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

Table of Contents

Table of Contents
Chapter 1: Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
1.1

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

1.2

Document Purpose. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

1.3

Audience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

1.4

Payment Application Data Security Standards (PA-DSS) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Chapter 2: General POS Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
2.1

Address Verification Service. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
AVS Data Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
AVS Result Code Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

2.2

Chargeback Protected Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

2.3

No Signature Required . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

2.4

Binary to ASCII Hex Conversion. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25

Chapter 3: Card Brand Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
3.1

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

3.2

American Express . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
American Express Track 1 Format X4.16 Standard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
American Express Track 1 Format ISO 7813 Standard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
American Express Track 2 Format X4.16 Standard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
American Express Track 2 Format ISO 7813 Standard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

3.3

AVcard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
AVcard Track 1 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
AVcard Track 2 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36

3.4

Centego Prepaid Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
Centego Prepaid Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
Centego Prepaid Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38

3.5

Discover Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
Discover Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
Discover Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40

3.6

Diner’s Club International Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Diner’s Club International Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Diner’s Club International Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42

3.7

Drop Tank Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Drop Tank Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Drop Tank Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43

3.8

Heartland Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44
Heartland Gift Card Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

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30
31
33
34

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Table of Contents

3.9

HPS Integrator’s Guide V 16.1.1

EBT Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45
EBT Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45

3.10 Fleet One Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
Fleet One Track 2 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
3.11

FleetCor Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
FleetCor Track 2 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47

3.12 JCB Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48
JCB IIN Ranges on Discover Network . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48
3.13 MasterCard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
MasterCard Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
MasterCard Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
3.14 MasterCard Fleet Card Type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
MasterCard Fleet Card Example . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
MasterCard Fleet Track 1 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
MasterCard Fleet Track 2 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

50
50
51
52

3.15 MasterCard Purchasing Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53
MasterCard Purchasing Card Example . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53
MasterCard Purchasing Track 1 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53
MasterCard Purchasing Track 2 Format. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54
3.16 Multi Service Track Data. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
Multi Service Swiped Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
3.17 PayPal Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
3.18 Stored Value Solutions (SVS). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
SVS Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
SVS Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
3.19 UnionPay Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57
3.20 ValueLink Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57
ValueLink Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57
ValueLink Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
3.21 VISA Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59
VISA Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59
VISA Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60
3.22 VISA Corporate or Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60
3.23 VISA Purchasing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60
3.24 VISA Fleet Card Type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
VISA Fleet Card Example . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
VISA Fleet Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
VISA Fleet Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

61
61
62
63

3.25 Voyager Fleet Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
Voyager Fleet Track 1 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
Voyager Fleet Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66
3.26 WEX Fleet Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67

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2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

Table of Contents

WEX Fleet Card Example. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
WEX GSA Fleet Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
WEX Fleet Track 2 Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
WEX MOD 10 Calculation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

67
67
69
70

Chapter 4: E3 Processing Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71
4.1

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71

4.2

The E3® Solution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71

4.3

Encryption Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Encrypted Track and PAN Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Encrypted Card Security Code . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Encryption Transmission Block. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

72
72
73
73

4.4

E3 Specific Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Heartland Exchange . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Unique Transaction ID (UID) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Merchant ID Number (MID) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Account Data Source . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Customer Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Retrieval Reference Number (RRN) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Transaction Identifier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Authorization Example . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Void/Incremental Example. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Settlements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Header Record Field Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Detail Record Fields Requirements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Settlement Notes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
POS 8583 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
NTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Z01 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

74
74
74
74
74
74
75
75
75
77
78
78
78
78
79
80
82

4.5

E3 Hardware Devices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
E3 MSR Wedge (HPS-E3-M1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
E3 MSR Wedge Device Interface. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
E3 MSR Wedge Example Output . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

84
84
85
85

4.6

E3 PIN Pad (HPS-E3-P1). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
E3 PIN Pad Device Interface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
E3 PIN Pad Requests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
E3 PIN Pad Responses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Ingenico iPP300 and iSC Touch Series PIN Pads . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Equinox L4000 and L5000 Series PIN Pads . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

86
88
88
88
89
89

Chapter 5: EMV Processing Overview. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91
5.1

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91

5.2

EMV Migration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 92

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Enhanced Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Brand Mandates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Fraud Liability Shifts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
PCI Audit Waivers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

92
92
93
93

5.3

EMV Specifications. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Contact Specifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Contactless Specifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Heartland Host Specifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

94
94
95
95

5.4

EMV Online vs. Offline . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cardholder Verification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Authorization. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

96
96
96
96

5.5

Full vs. Partial EMV Transactions and Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 97
Full vs. Partial Transaction Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 97
Full vs. Partial Credit Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 98
Full vs. Partial Debit Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 99

Chapter 6: EMV Development Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 101
6.1

EMV Terminals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Contact Devices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Contactless Devices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Letters of Approval . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

101
101
101
102

6.2

EMV Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 102
Integrated . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 102
Standalone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 102

6.3

EMV Certifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 103
Test Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 103
Test Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 104
VISA Smart Debit/Credit (VSDC) Testing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 104
MasterCard Terminal Integration Process (M-TIP) Testing . . . . . . . . . . . . . . . . . . . . . . . . . . 104
American Express Integrated Circuit Card Payment Specification (AEIPS) Testing . . . . . . . 105
Discover D-Payment Application Specification (D-PAS) Testing . . . . . . . . . . . . . . . . . . . . . . 105
Test Tools . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 106
Test Environments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 107
Test Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 107

6.4

EMV Support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 108

Chapter 7: EMV Terminal Interface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 109

8

7.1

EMV Terminal to Card Communication. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Protocol Data Units (APDUs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Tag, Length, Value (TLV) Data Objects . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Kernel Application Programming Interface (API) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

109
109
110
110

7.2

EMV Data Elements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 111

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Data Conventions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Terminal Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

111
112
121
129

7.3

Contact Transaction Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Tender Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Acquisition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Swipe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Fallback Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Selection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Available AIDs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Debit AIDs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Initiate Application Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Read Application Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Offline Data Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Processing Restrictions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cardholder Verification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
PIN Support. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Terminal Risk Management . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Terminal Action Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Action Analysis. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Online Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Offline Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Deferred Authorization (Store-and-Forward) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Forced Acceptance (Stand-In). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer-to-Card Script Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Completion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Removal. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

129
131
132
132
132
133
135
136
136
137
137
138
138
139
140
140
141
141
142
142
143
144
145
145
146

7.4

Contactless Transaction Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Pre-Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Discovery Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Selection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Initiate Application Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Path Determination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Terminal Risk Management. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Terminal Action Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Action Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Read Application Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Card Read Complete . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Processing Restrictions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Offline Data Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cardholder Verification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Online Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

146
148
148
148
149
149
149
149
149
150
150
150
150
150
151

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Completion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 151
Issuer Update Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 151
7.5

EMV Receipts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 151
Approval Receipts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 151
Decline Receipts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 152

Chapter 8: EMV Parameter Interface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 153
8.1

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 153

8.2

Exchange . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 154

8.3

POS 8583 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 154

8.4

NTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 155

8.5

Z01 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 155

8.6

Portico . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 155

8.7

SpiDr. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 156

Appendices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 157
A:

Card Association BIN Ranges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 157
VISA BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 158
VISA Purchasing BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 158
VISA Fleet BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 161
VISA Corporate or Business BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 162
VISA ReadyLink BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 229
MasterCard BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 235
MasterCard Purchasing BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 235
MasterCard Corporate BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 237

B:

MasterCard Fleet BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 243
American Express BIN Ranges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 243
Discover IIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 244
PayPal IIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 244
Fleet Card BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 245
Stored Value Solutions (SVS) BIN Ranges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 246
Centego Prepaid BIN Ranges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 247
Drop Tank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 247
Debit BIN Ranges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 247
EBT BIN Ranges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 247
Industry Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 250
Conexxus Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 250
MasterCard Purchasing Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 264
MasterCard Purchasing Fuel Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 264
MasterCard Purchasing Non-Fuel Product Codes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 266
MasterCard Fleet Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 268
MasterCard Fleet Fuel Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 268

10

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

Table of Contents

MasterCard Fleet Non-Fuel Product Codes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 269
Heartland Product Codes for VISA Fleet Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 270
Fuel Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 270
Non-Fuel Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 272
Voyager Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 273
Voyager Fuel Product Codes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 273

C:

D:
E:

Voyager Non-Fuel Product Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
WEX Supported Conexxus Product Codes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Receipt Requirements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
General Receipt Requirements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Additional Receipt Requirements by Card Types . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
State Codes / Region Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
EMV Field Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Additional Terminal Capabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Amount, Authorised (Numeric) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Amount, Other (Numeric) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Cryptogram. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Dedicated File (ADF) Name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Identifier (AID) – Terminal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Interchange Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Label. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Preferred Name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Primary Account Number (PAN) Sequence Number . . . . . . . . . . . . . . . . . . . . . . . . .
Application Transaction Counter (ATC) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Usage Control. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Version Number (ICC) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Application Version Number (Terminal) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Authorisation Response Code . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cardholder Verification Method (CVM) Results . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cryptogram Information Data (CID) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Customer Exclusive Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Dedicated File Name. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Form Factor Indicator (FFI) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
ICC Dynamic Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Interface Device (IFD) Serial Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Action Code – Default . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Action Code – Denial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Action Code – Online . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Application Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Authentication Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Country Code . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Script Results . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issuer Script Template 1 & 2. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

274
280
289
289
290
292
295
296
296
297
297
298
299
299
300
300
301
301
302
302
303
303
304
304
305
305
306
306
307
307
308
308
309
309
310
310
311

11

Table of Contents

F:
G:
H:

12

HPS Integrator’s Guide V 16.1.1

POS Entry Mode . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 311
Terminal Action Code – Default . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 312
Terminal Action Code – Denial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 312
Terminal Action Code – Online . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 313
Terminal Capabilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 313
Terminal Country Code . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 314
Terminal Type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 314
Terminal Verification Results (TVR) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 315
Third Party Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 315
Transaction Currency Code . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 316
Transaction Date. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 316
Transaction Sequence Counter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 317
Transaction Status Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 317
Transaction Time . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 318
Transaction Type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 318
Unpredictable Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 319
EMV PDL Data Examples . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 320
Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 364
Revision History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 388

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

List of Tables

List of Tables
2-1
2-2
2-3
2-4
3-1
3-2
3-3
3-4
3-5
3-6
3-7
3-8
3-9
3-10
3-11
3-12
3-13
3-14
3-15
3-16
3-17
3-18
3-19
3-20
3-21
3-22
3-23
3-24
3-25
3-26
3-27
3-28
3-29
3-30
3-31
3-32
3-33
3-34
3-35
3-36
3-37

Address Verification Service .......................................................................................................21
Chargeback Protected Limits......................................................................................................23
Binary to ASCII Hex Conversion.................................................................................................25
Binary ASCII Hex Conversion Example......................................................................................26
Card Brand References to BIN Ranges and Track Data ............................................................27
American Express Track 1 Format X4.16 Standard ...................................................................30
American Express Track 1 Format ISO 7813 Standard..............................................................31
American Express Track 2 Format X4.16 Standard ...................................................................33
American Express Track 2 Format ISO 7813 Standard..............................................................34
AVcard Track 1 Format...............................................................................................................36
AVcard Track 2 Format...............................................................................................................36
Centego Prepaid Track 1 Format................................................................................................37
Centego Prepaid Track 2 Format................................................................................................38
Discover Track 1 Format.............................................................................................................39
Discover Track 2 Format.............................................................................................................40
Diner’s Club International Track 1 Format ..................................................................................41
Diner’s Club International Track 2 Format ..................................................................................42
Drop Tank Track 1 Format..........................................................................................................43
Drop Tank Track 2 Format..........................................................................................................43
Heartland Gift Card Track 2 Format............................................................................................44
EBT Track 2 Format....................................................................................................................45
Fleet One Track 2 Format...........................................................................................................46
FleetCor Track 2 Format.............................................................................................................47
MasterCard Track 1 Format........................................................................................................49
MasterCard Track 2 Format........................................................................................................49
MasterCard Fleet Track 1 Format...............................................................................................51
MasterCard Fleet Track 2 Format...............................................................................................52
MasterCard Purchasing Track 1 Format.....................................................................................53
MasterCard Purchasing Track 2 Format.....................................................................................54
Multi Service Swiped Track 2 Format .........................................................................................55
SVS Track 1 Format ...................................................................................................................56
SVS Track 2 Format ...................................................................................................................56
ValueLink Track 1 Format...........................................................................................................57
ValueLink Track 2 Format...........................................................................................................58
VISA Track 1 Format ..................................................................................................................59
VISA Track 2 Format ..................................................................................................................60
VISA Fleet Track 1 Format .........................................................................................................62
VISA Fleet Track 2 Format .........................................................................................................63
Voyager Fleet Track 1 Format ....................................................................................................65
Voyager Fleet Track 2 Format ....................................................................................................66
WEX Fleet Track 2 Format .........................................................................................................69

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

13

List of Tables

4-1
4-2
4-3
4-4
4-5
4-6
4-7
4-8
4-9
4-10
5-1
5-2
5-3
5-4
5-5
5-6
5-7
5-8
5-9
5-10
5-11
5-12
6-1
6-2
6-3
6-4
6-5
6-6
6-7
7-1
7-2
7-3
7-4
7-5
7-6
7-7
7-8
7-9
7-10
7-11
7-12
7-13
7-14
7-15

14

HPS Integrator’s Guide V 16.1.1

PAN Encryption...........................................................................................................................72
Track 1 Encryption ......................................................................................................................72
Track 2 Encryption ......................................................................................................................72
Encrypted CSC Steps .................................................................................................................73
Authorization Examples ..............................................................................................................76
POS 8583 Data Fields ................................................................................................................79
NTS Data Fields..........................................................................................................................81
Z01 Data Fields...........................................................................................................................83
E3 MSR Wedge Operation Modes..............................................................................................85
E3 MSR Wedge Operation Modes..............................................................................................87
Key Security Features.................................................................................................................92
Liability Shifts ..............................................................................................................................93
Contact Specifications ................................................................................................................94
Contactless Specifications ..........................................................................................................95
Heartland Host Specifications .....................................................................................................95
Card Authentication ....................................................................................................................96
Cardholder Verification ...............................................................................................................96
Authorization ...............................................................................................................................96
Full vs. Partial EMV Transactions and Flow ...............................................................................97
Full vs. Partial Transaction Flow .................................................................................................97
Full vs. Partial Credit Transactions .............................................................................................98
Full vs. Partial Debit Transactions ..............................................................................................99
Integrated Solutions ..................................................................................................................102
VSDC Testing ...........................................................................................................................104
M-TIP Testing ...........................................................................................................................104
AEIPS Testing...........................................................................................................................105
D-PAS Testing ..........................................................................................................................105
Test Environments ....................................................................................................................107
Test Process .............................................................................................................................107
Command APDU Format ..........................................................................................................109
Response APDU Format ..........................................................................................................109
Data Conventions .....................................................................................................................111
Terminal Data ...........................................................................................................................112
Card Data..................................................................................................................................121
Issuer Data................................................................................................................................129
Tender Processing ....................................................................................................................131
Fallback Processing ..................................................................................................................132
Application Selection.................................................................................................................133
Supported Application Methods ................................................................................................134
Offline Data Authentication .......................................................................................................137
Processing Restrictions ............................................................................................................138
Cardholder Verification .............................................................................................................138
PIN Support ..............................................................................................................................139
Terminal Risk Management ......................................................................................................140

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

7-16
7-17
7-18
7-19
7-20
8-1
A-1
A-2
A-3
A-4
A-5
A-6
A-7
A-8
A-9
A-10
A-11
A-12
A-13
A-14
A-15
A-16
A-17
A-18
A-19
A-20
B-1
B-2
B-3
B-4
B-5
B-6
B-7
B-8
C-1
D-1
D-2
E-1
E-2
E-3
E-4
E-5
E-6
E-7

List of Tables

Terminal Action Analysis...........................................................................................................140
Online or Offline Disposition .....................................................................................................145
Contact EMV Flow Differences .................................................................................................148
Card Verification .......................................................................................................................150
Receipt Requirements ..............................................................................................................151
EMV PDL Tables ......................................................................................................................153
VISA Purchasing BIN Ranges ..................................................................................................158
VISA Fleet BIN Ranges ............................................................................................................161
VISA Corporate or Business BIN Ranges.................................................................................162
VISA ReadyLink BIN Ranges ...................................................................................................229
MasterCard Purchasing BIN Ranges........................................................................................235
MasterCard Corporate BIN Ranges..........................................................................................237
MasterCard Fleet BIN Ranges..................................................................................................243
American Express BIN Ranges ................................................................................................243
Discover IIN Ranges .................................................................................................................244
PayPal IIN Ranges....................................................................................................................244
Voyager BIN Ranges ................................................................................................................245
WEX BIN Ranges .....................................................................................................................245
FleetCor BIN Ranges................................................................................................................245
Fleet One BIN Range................................................................................................................245
Multi Service BIN Ranges .........................................................................................................246
AVCard BIN Range...................................................................................................................246
SVS BIN Ranges ......................................................................................................................246
Centego Prepaid BIN Range ....................................................................................................247
Drop Tank BIN Range...............................................................................................................247
EBT BIN Ranges.......................................................................................................................247
Conexxus Product Codes .........................................................................................................251
MasterCard Purchasing Fuel Product Codes ...........................................................................264
MasterCard Purchasing Non-Fuel Product Codes....................................................................266
MasterCard Fleet Fuel Product Codes .....................................................................................268
MasterCard Fleet Non-Fuel Product Codes..............................................................................269
Fuel Product Codes ..................................................................................................................270
Non-Fuel Product Codes ..........................................................................................................272
WEX Supported Conexxus Product Codes ..............................................................................280
Additional Receipt Requirements by Card Types .....................................................................290
State Codes ..............................................................................................................................292
Region Codes: Canada (Province Codes)................................................................................294
POS 8583: Binary Example ......................................................................................................295
Exchange, Portico, NTS, Z01, SpiDr: ASCII Hex Example.......................................................295
Additional Terminal Capabilities................................................................................................296
Amount, Authorised (Numeric)..................................................................................................296
Amount, Other (Numeric)..........................................................................................................297
Application Cryptogram.............................................................................................................297
Application Dedicated File (ADF) Name ...................................................................................298

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

15

List of Tables

E-8
E-9
E-10
E-11
E-12
E-13
E-14
E-15
E-16
E-17
E-18
E-19
E-20
E-21
E-22
E-23
E-24
E-25
E-26
E-27
E-28
E-29
E-30
E-31
E-32
E-33
E-34
E-35
E-36
E-37
E-38
E-39
E-40
E-41
E-42
E-43
E-44
E-45
E-46
E-47
E-48
F-1
G-1

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HPS Integrator’s Guide V 16.1.1

Application Identifier (AID) – Terminal ......................................................................................299
Application Interchange Profile .................................................................................................299
Application Label.......................................................................................................................300
Application Preferred Name ......................................................................................................300
Application Primary Account Number Sequence Number ........................................................301
Application Transaction Counter (ATC) ....................................................................................301
Application Usage Control ........................................................................................................302
Application Version Number (ICC) ............................................................................................302
Application Version Number (Terminal) ....................................................................................303
Authorisation Response Code ..................................................................................................303
Cardholder Verification Method (CVM) Results ........................................................................304
Cryptogram Information Data (CID) ..........................................................................................304
Customer Exclusive Data..........................................................................................................305
Dedicated File Name ................................................................................................................305
Form Factor Indicator................................................................................................................306
ICC Dynamic Number ...............................................................................................................306
Interface Device (IFD) Serial Number .......................................................................................307
Issuer Action Code – Default ....................................................................................................307
Issuer Action Code – Denial .....................................................................................................308
Issuer Action Code – Online .....................................................................................................308
Issuer Application Data .............................................................................................................309
Issuer Authentication Data ........................................................................................................309
Issuer Country Code .................................................................................................................310
Issuer Script Results .................................................................................................................310
Issuer Script Template 1 & 2.....................................................................................................311
POS Entry Mode .......................................................................................................................311
Terminal Action Code – Default ................................................................................................312
Terminal Action Code – Denial .................................................................................................312
Terminal Action Code – Online .................................................................................................313
Terminal Capabilities ................................................................................................................313
Terminal Country Code .............................................................................................................314
Terminal Type ...........................................................................................................................314
Terminal Verification Results (TVR)..........................................................................................315
Third Party Data ........................................................................................................................315
Transaction Currency Code ......................................................................................................316
Transaction Data.......................................................................................................................316
Transaction Sequence Counter ................................................................................................317
Transaction Status Information .................................................................................................317
Transaction Time ......................................................................................................................318
Transaction Type ......................................................................................................................318
Unpredictable Number ..............................................................................................................319
EMV PDL Data Examples .........................................................................................................320
Glossary....................................................................................................................................364

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List of Figures

List of Figures
3-1
3-2
3-3
3-4
3-5
3-6
3-7
3-8
4-1
4-2
7-1
7-2
7-3

MasterCard Fleet Card: Driver Assigned Example .....................................................................50
MasterCard Fleet Card: Vehicle Assigned Example...................................................................50
VISA Fleet Card: Driver Assigned Example................................................................................61
VISA Fleet Card: Vehicle Assigned Example .............................................................................61
WEX Fleet Card Example ...........................................................................................................67
WEX GSA Fleet ..........................................................................................................................68
WEX Dept. of Defence Fleet.......................................................................................................68
WEX Dept. of Energy Fleet.........................................................................................................68
E3 MSR Wedge ..........................................................................................................................84
E3 PIN Pad .................................................................................................................................86
Contact Transaction Flow .........................................................................................................130
Contactless Transaction Flow...................................................................................................147
EMV Receipt Example ..............................................................................................................152

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List of Figures

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HPS Integrator’s Guide V 16.1.1

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1: Overview

Chapter 1: Overview
1.1 Introduction
Heartland Payment Systems, Inc. (Heartland) is a leading third-party provider of payment card
transaction processing, providing the following services:
• Host Network transaction services
• Bank Card, Fleet, Debit and Private Label card processing
• Mobile and e-commerce solutions
• Settlement processing

1.2 Document Purpose
The purpose of this document is to provide information in order to integrate a POS system to
Heartland. Topics include:
• General POS Requirements

• Card Association BIN Ranges

• Card Brand Information

• Industry Codes

• E3 Processing Overview

• Receipt Requirements

• EMV Processing Overview

• State Codes / Region Codes

• EMV Development Overview

• EMV Field Definitions

• EMV Terminal Interface

• EMV PDL Data Examples

• EMV Parameter Interface

• Glossary

REQUIREMENT

This document is to be used along with Heartland’s Network platform specifications
(Exchange, POS 8583, NTS, Z01, Portico, SpiDr). Information found in the Network
specifications could override content within this document.

1.3 Audience
The primary audience for this document consists of third-party vendors responsible for
developing POS payment systems to interface with Heartland network. The secondary audience
consists of Heartland internal staff responsible for certifying or supporting POS payment
applications. All users of this document are assumed to have a basic understanding of POS
applications.

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1.4 Payment Application Data Security
Standards (PA-DSS)
The Payment Card Industry (PCI) Security Standards Council (SSC) has released the Payment
Application Data Security Standards (PA-DSS) for payment applications running at merchant
locations. The PA-DSS assist software vendors to ensure their payment applications support
compliance with the mandates set by the Bank Card Companies (VISA, MasterCard, Discover,
American Express, and JCB).
In order to comply with the mandates set by the bank card companies, Heartland Payment
Systems:
• Requires that the account number cannot be stored as plain, unencrypted data to meet PCI
and PA-DSS regulations. It must be encrypted while stored using strong cryptography with
associated key management processes and procedures.
Note: Refer to PCI DSS Requirements 3.4–3.6* for detailed requirements regarding
account number storage. The retention period for the Account Number in the
shadow file and open batch must be defined and at the end of that period or when
the batch is closed and successfully transmitted, the account number and all other
information must be securely deleted. This is a required process regardless of the
method of transmission for the POS.
• Requires that, with the exception of the Account Number as described above and the
Expiration Date, no other Track Data is to be stored on the POS if the Card Type is a:
VISA, including VISA Fleet; MasterCard, including MasterCard Fleet; Discover, including
JCB, UnionPay, Carte Blanche, Diner's Club, and PayPal; American Express; Debit or
EBT. This requirement does not apply to WEX, FleetCor, Fleet One, Voyager, or Aviation
cards; Stored Value cards; Proprietary or Private Label cards.
• Recommends that software vendors to have their applications validated by an approved
third party for PA-DSS compliance.
• Requires all software vendors to sign a Non-Disclosure Agreement / Development
Agreement.
• Requires all software vendors to provide evidence of the application version listed on the
PCI Council’s website as a PA-DSS validated Payment Application, or a written certification
to HPS testing to Developer's compliance with PA-DSS.
• Requires that all methods of cryptography provided or used by the payment application
meet PCI SSC’s current definition of ‘Strong Cryptography’.
*Refer to www.pcisecuritystandards.org for the PCI DSS Requirements document and further
details about PA-DSS.

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2: General POS Requirements

Chapter 2: General POS Requirements
2.1 Address Verification Service
Visa, MasterCard, AMEX and Discover offer an Address Verification Service (AVS) as a
risk-management tool for merchants accepting transactions in which:
• neither the card nor the cardholder are present (e.g., mail, telephone order, Internet
transactions), or
• the card is present but its magnetic stripe cannot be read by a terminal at the point of sale.
AVS helps reduce the risk of accepting fraudulent transactions by issuer verification of the
cardholder’s billing address. The AVS Result Code helps the merchant determine whether to
accept a particular transaction or to take further follow-up action.
When a merchant accepts a card-not-present transaction, financial liability is also accepted by
the merchant in the event the transaction proves to be fraudulent. If the transaction is fraudulent,
the dollar value of the transaction may be “charged back” to the merchant. In addition to the
“charge back,” there are additional costs to process these exception items, plus the loss of
merchandise.
Table 2-1 Address Verification Service
AVS Request

Description

Address Verification
Request

Address verification may be requested in one of two ways:

AVS By Itself (AVS Only)

An AVS only request may be used under the following circumstances:

• by itself, or
• as part of an authorization request.

• a merchant wants to verify the customer’s billing address before requesting an
authorization, or
• the merchant sent an AVS and an authorization request earlier and received
an authorization approval but an AVS “try again later” response.

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Table 2-1 Address Verification Service (Continued)
AVS Request
AVS Authorization
Request

Description
You may process AVS requests the same way you process authorizations simply
by including the AVS information in the authorization request. The authorization
and address verification process is as follows:
• Customer contacts the merchant to place an order.
• The merchant confirms the usual order information including the merchandise
description, price, the customer’s account number, card expiration date, and
shipping address.
• The merchant requests the cardholder’s billing address (street address and/or
ZIP Code) for the card being used. (The billing address is where the
cardholder’s monthly statement is sent for the card being used.)
• The POS system includes the address information with the authorization
request to Heartland.
• The issuer makes an authorization decision separately from the AVS request.
The issuer compares the cardholder billing address with the billing address it
has for that account. The issuer returns both the authorization response and a
code indicating the address verification results. Like any other transaction, if
the issuer declines the authorization request do not complete the transaction
for that account. This rule holds true even if you receive an “exact match” on
the address verification request.

2.1.1 AVS Data Flow
CARDHOLDER

MERCHANT

HEARTLAND

CARD BRAND
NETWORK

ISSUER

2.1.2 AVS Result Code Guidelines
Not all Heartland POS message specifications support AVS Result Codes. See your specific
POS message specification for details.
For some industries, if the AVS Result Code is not a match, the payment engine automatically
declines and voids the transaction to the issuer.
For other industries, the merchant makes the decision on whether to proceed when the AVS
information is not an exact match, but the issuer approves the authorization request. See you
Heartland Representative for more information.

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2: General POS Requirements

2.2 Chargeback Protected Limits
The following amounts are the ICR-initiated chargeback protected amounts for approved
transactions by the bank card associations.
The merchant may choose to override these amounts. Any amount above the limits listed will not
include Chargeback Protection.
The merchant is at risk for any amount above these limits.
Table 2-2 Chargeback Protected Limits
Card Type

Description

VISA

• VISA Consumer (including VISA Signature and Sign Preferred), VISA
Business (including VISA Signature Business), VISA Corporate, and
VISA Purchasing cards offer Chargeback Protection to $100 if the card
has been authorized for $1.00.
• VISA Fleet cards offer Chargeback Protection to $150 if the card has
been authorized for $1.00.

MasterCard

• MasterCard Consumer cards offer Chargeback Protection to $100 if the
card has been authorized for $1.00.
• MasterCard Corporate, MasterCard Corporate Fleet, and MasterCard
Purchasing cards offer Chargeback Protection to $150 if the card has
been authorized for $1.00.

Discover Card

• Discover Card offers Chargeback Protection to $100 if the card has been
authorized for $1.00. If the merchant has a custom agreement with
Discover to authorize for a different amount, chargeback protection is the
approved amount.

American Express

• American Express does not offer Chargeback Protection.

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2.3 No Signature Required
No Signature Required is a program offered by Visa, MasterCard, AMEX and Discover for
consumer and commercial cards. The No Signature Required program allows merchants within
certain MCC codes to process transactions without having to obtain the cardholders signature or
provide the cardholder with a receipt unless the cardholder requests it.
In order to be eligible for No Signature Required, the following conditions must be met:
• The cardholder must be present at the time of the transaction in a face-to-face
environment.
• The merchant name and location must be included in the authorization request.
• The total amount of the transaction must be less than the No Signature Required threshold
for the merchant’s MCC. Refer to the individual card associations for current information
about amounts, MCCs allowed, etc.
• Online authorization must be obtained and the full track data must be included in the
authorization message. The track data can be obtained from the chip for EMV transactions
or from the magnetic stripe for swiped transactions.
To process a No Signature Required transaction with a chip card (on a chip-card-capable POS
terminal), the terminal application must set the Terminal Capabilities field to enable only the No
CVM Required card verification method (CVM). This action will cause the chip card not to require
a CVM.

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2: General POS Requirements

2.4 Binary to ASCII Hex Conversion
Since some the Host message formats allow for only printable characters to appear in
transaction data fields. Binary fields must be expanded to ensure that no values less than
hexadecimal 20 are transmitted.
To convert a binary field to its corresponding ASCII equivalent, remove 4 bits at a time and
convert them to the ASCII characters defined below. Performing this conversion procedure will
result in a doubling of the field size, i.e., a 20-digit binary field will yield a 40-character ASCII
result. After performing the conversion, the resulting ASCII data may then be populated within
the transaction data field.
Table 2-3 Binary to ASCII Hex Conversion
BIT Data

ASCII Hex Characters

0000

0

0001

1

0010

2

0011

3

0100

4

0101

5

0110

6

0111

7

1000

8

1001

9

1010

A

1011

B

1100

C

1101

D

1110

E

1111

F

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The table below shows examples of data before conversion as well as after the ASCII conversion
as the data moves from the POS to the Host.
The order of the fields is arbitrary and the values used below are only provided as an example.
Table 2-4 Binary ASCII Hex Conversion Example
Field Name
UNPREDICTABLE
NUMBER

ISSUER APPLICATION
DATA

APPLICATION
CRYPTOGRAM

APPLICATION
TRANSACTION
COUNTER

26

RED is Before Conversion

BLUE is after conversion

Tag

9F37

Tag

39463337

Length

04

Length

3034

Value

00010203

Value

3030303130323033

Tag

9F10

Tag

39463130

Length

20

Length

3230

Value

00010203040506070809
0A0B0C0D0E0F1011121
31415161718191A1B1C
1D1E1F

Value

303030313032303330343035303
630373038303930413042304330
443045304631303131313231333
134313531363137313831393141
31423143314431453146

Tag

9F26

Tag

39463236

Length

08

Length

3038

Value

0001020304050607

Value

303030313032303330343035303
63037

Tag

9F36

Tag

39463336

Length

02

Length

3032

Value

0001

Value

30303031

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3: Card Brand Information

Chapter 3: Card Brand Information
3.1 Introduction
This chapter gives an overview of payment cards, embossing information, including Track 1 and
Track 2 layouts.
The maximum length of Track 1 is 79 characters. This length includes the START SENTINEL,
FIELD SEPARATORS, END SENTINEL and LONGITUDINAL REDUNDANCY CHECK (LRC)
fields. The Track 1 overall length will vary by card after the CARDHOLDER NAME field.
The maximum length of Track 2 is 40 characters. This length includes the START SENTINEL,
FIELD SEPARATOR, END SENTINEL, and LONGITUDINAL REDUNDANCY CHECK (LRC)
fields.
Track Data is sent unaltered.
Track data is defined by a number of International Organization for Standardization standards.
ISO/IEC 7810, ISO/IEC 7811, ISO/IEC 7812, ISO/IEC 7813, ISO 8583, and ISO/IEC 4909, now
define the physical properties of the card, including size, flexibility, location of the magstripe,
magnetic characteristics, and data formats. They also provide the standards for financial cards,
including the allocation of card number ranges to different card issuing institutions. The
standards should be referenced for details on track data.
Refer to the specific POS message specifications (Exchange, POS 8583, NTS, Z01, Portico,
SpiDr) to determine cards supported, transactions supported and data requirements.
Table 3-1 Card Brand References to BIN Ranges and Track Data
Card Type

Track Preference
when Swiped

BIN Ranges

Track Data

American Express

Track 1

Table A-8 American Express
BIN Ranges, pg. 243

• 3.2.1 American Express Track 1
Format X4.16 Standard, pg. 30
• 3.2.2 American Express Track 1
Format ISO 7813 Standard, pg. 31
• 3.2.3 American Express Track 2
Format X4.16 Standard, pg. 33
• 3.2.4 American Express Track 2
Format ISO 7813 Standard, pg. 34

AVcard

No preference

Table A-16 AVCard BIN Range,
pg. 246

• 3.3.1 AVcard Track 1 Format, pg.
36
• 3.3.2 AVcard Track 2 Format, pg.
36

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Table 3-1 Card Brand References to BIN Ranges and Track Data (Continued)
Card Type

Track Preference
when Swiped

BIN Ranges

Track Data

Centego

Track 2

Table A-18 Centego Prepaid
BIN Range, pg. 247

• 3.4.1 Centego Prepaid Track 1
Format, pg. 37
• 3.4.2 Centego Prepaid Track 2
Format, pg. 38

Diner’s Club (Now
processed as
Discover)

No preference

Table A-9 Discover IIN Ranges,
pg. 244

• 3.6.1 Diner’s Club International
Track 1 Format, pg. 41
• 3.6.2 Diner’s Club International
Track 2 Format, pg. 42

Discover

No preference

Table A-9 Discover IIN Ranges,
pg. 244

• 3.5.1 Discover Track 1 Format, pg.
39
• 3.5.2 Discover Track 2 Format, pg.
40

Drop Tank

No preference

Table A-19 Drop Tank BIN
Range, pg. 247

• 3.7.1 Drop Tank Track 1 Format,
pg. 43
• 3.7.2 Drop Tank Track 2 Format,
pg. 43

EBT

Track 2 only

Table A-20 EBT BIN Ranges,
pg. 247

• 3.9.1 EBT Track 2 Format, pg. 45

Fleet One

Track 2 only

Table A-14 Fleet One BIN
Range, pg. 245

• 3.10.1 Fleet One Track 2 Format,
pg. 46

FleetCor

Track 2 only

Table A-13 FleetCor BIN
Ranges, pg. 245

• 3.11.1 FleetCor Track 2 Format,
pg. 47

Heartland Gift
Card

Track 2 only

Table A-17 SVS BIN Ranges,
pg. 246

• 3.8.1 Heartland Gift Card Track 2
Format, pg. 44

MasterCard

No preference

A.2 MasterCard BIN Ranges,
pg. 235

• 3.13.1 MasterCard Track 1 Format,
pg. 49
• 3.13.2 MasterCard Track 2 Format,
pg. 49

MasterCard
Corporate

No preference

Table A-6 MasterCard
Corporate BIN Ranges, pg.
237

• 3.13.1 MasterCard Track 1 Format,
pg. 49
• 3.13.2 MasterCard Track 2 Format,
pg. 49

MasterCard Fleet

No preference

Table A-7 MasterCard Fleet
BIN Ranges, pg. 243

• 3.14.2 MasterCard Fleet Track 1
Format, pg. 51
• 3.14.3 MasterCard Fleet Track 2
Format, pg. 52

MasterCard
Purchasing

No preference

Table A-5 MasterCard
Purchasing BIN Ranges, pg.
235

• 3.15.2 MasterCard Purchasing
Track 1 Format, pg. 53
• 3.15.3 MasterCard Purchasing
Track 2 Format, pg. 54

Multi Service

Track 2 only

Table A-15 Multi Service BIN
Ranges, pg. 246

• 3.16.1 Multi Service Swiped Track
2 Format, pg. 55

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3: Card Brand Information

Table 3-1 Card Brand References to BIN Ranges and Track Data (Continued)
Card Type

Track Preference
when Swiped

BIN Ranges

Track Data
• 3.5.1 Discover Track 1 Format, pg.
39
• 3.5.2 Discover Track 2 Format, pg.
40

PayPal

No preference

Table A-10 PayPal IIN Ranges,
pg. 244

PIN Debit

Track 2 only

A.10 Debit BIN Ranges, pg.
247

Stored Value

Track 2

Table A-17 SVS BIN Ranges,
pg. 246

• 3.18.1 SVS Track 1 Format, pg. 56
• 3.18.2 SVS Track 2 Format, pg. 56

ValueLink

Track 2

Table A-17 SVS BIN Ranges,
pg. 246

• 3.20.1 ValueLink Track 1 Format,
pg. 57
• 3.20.2 ValueLink Track 2 Format,
pg. 58

VISA

No preference

A.1 VISA BIN Ranges, pg. 158

• 3.21.1 VISA Track 1 Format, pg. 59
• 3.21.2 VISA Track 2 Format, pg. 60

VISA Corporate or
Business

No preference

Table A-3 VISA Corporate or
Business BIN Ranges, pg. 162

• 3.21.1 VISA Track 1 Format, pg. 59
• 3.21.2 VISA Track 2 Format, pg. 60

Issuer dependent.

Use VISA Track layouts for VISA
Corporate or Business.
VISA Fleet

Track 1

Table A-2 VISA Fleet BIN
Ranges, pg. 161

• 3.24.2 VISA Fleet Track 1 Format,
pg. 62
• 3.24.3 VISA Fleet Track 2 Format,
pg. 63

VISA Purchasing

No preference

Table A-1 VISA Purchasing BIN
Ranges, pg. 158

• 3.21.1 VISA Track 1 Format, pg. 59
• 3.21.2 VISA Track 2 Format, pg. 60
Use VISA Track layouts for VISA
Purchasing.

VISA ReadyLink

Track 2

Table A-4 VISA ReadyLink BIN
Ranges, pg. 229

• 3.21.1 VISA Track 1 Format, pg. 59
• 3.21.2 VISA Track 2 Format, pg. 60
Use VISA Track layouts for VISA
ReadyLink.

Voyager Fleet

No preference

Table A-11 Voyager BIN
Ranges, pg. 245

• 3.25.1 Voyager Fleet Track 1
Format, pg. 65
• 3.25.2 Voyager Fleet Track 2
Format, pg. 66

WEX Fleet

Track 2 only

Table A-12 WEX BIN Ranges,
pg. 245

• 3.26.3 WEX Fleet Track 2 Format,
pg. 69

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HPS Integrator’s Guide V 16.1.1

3.2 American Express
American Express issues cards in either of following track formats.
• ANSI X4.16
• ISO 7813
Note: If sending the Primary Account Number (PAN), it must not contain any spaces.

3.2.1 American Express Track 1 Format X4.16
Standard
Table 3-2 American Express Track 1 Format X4.16 Standard
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

B

PRIMARY ACCOUNT NUMBER

3varies

15–19

N

FIELD SEPARATOR

varies

1

A/N

^ (caret)

CARD MEMBER NAME

varies

26

A/N

Field identifies the name of the cardholder and
contains a maximum of 26 characters. The
format of the field is last name followed by first
name and initial. Each cardholder name
component is separated as follows:

Cardholder’s PAN.

• / (forward slash) = Separates the first and
last name.
• (space) = Separates first name from the
middle name or middle initial. Use only
when the cardholder names qualify for
separation.
• . (period) = Separates the first name and
title.
Example: Last Name/First Name Initial
Embossing JOHN P. JONES JR.
Mag Stripe JONES/JOHN P.JR
FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format. The
card expires on the last day of the month.

EFFECTIVE DATE

varies

4

N

The date in YYMM format. The card becomes
valid on the first day of the month.

DISCRETIONARY DATA

varies

5

N

END SENTINEL

varies

1

A/N

30

^ (caret)

? (question mark)

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3: Card Brand Information

Table 3-2 American Express Track 1 Format X4.16 Standard (Continued)
Field Name

Position

Length

Format

Value/Description

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment. LRC may
or may not be present.

UNUSED

varies

17

A/N

Reserved for future use.

3.2.2 American Express Track 1 Format ISO 7813
Standard
Table 3-3 American Express Track 1 Format ISO 7813 Standard
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

B

PRIMARY ACCOUNT NUMBER

3varies

15–19

N

FIELD SEPARATOR

varies

1

A/N

^ (carat)

CARD MEMBER NAME

varies

26

A/N

Field identifies the name of the cardholder and
contains a maximum of 26 characters. The
format of the field is last name followed by first
name and initial. Each cardholder name
component is separated as follows:

Cardholder’s PAN.

• / (forward slash) = Separates the first and
last name.
• (space) = Separates first name from the
middle name or middle initial. Use only
when the cardholder names qualify for
separation.
• . (period) = Separates the first name and
title.
Example: Last Name/First Name Initial
Embossing JOHN P. JONES JR.
Mag Stripe JONES/JOHN P.JR
FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

^ (carat)
The date the card expires in YYMM format.
The card expires on the last day of the month.

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Table 3-3 American Express Track 1 Format ISO 7813 Standard (Continued)
Field Name

Position

Length

Format

INTERCHANGE DESIGNATOR

varies

1

N

Value/Description
Code indicating whether the American
Express card is valid outside the country of
issue.
• 1 = Available for international interchange
• 2 = Chip card
• 5 = Available for interchange only in
country of issue
• 6 = Chip card, available for interchange
only in country of issue
• 7 = Not available for general interchange
• 9 = System test card

SERVICE CODE

varies

2

N

Code indicating whether the American
Express card is valid for ATM/Cash Access or
if a positive authorization is required.
•
•
•
•
•
•
•
•
•
•
•

01 = No restrictions
02 = No ATM service
03 = ATM Service only
06 = No restrictions; prompt for PIN, if PIN
pad is present
10 = No cash advance
11 = No cash advance or ATM service
20 = Requires positive authorization by
issuer or issuer’s agent
21 = Authorization by issuer only
22 = Authorization by issuer only; Goods &
Services
23 = Authorization by issuer only; ATM
only, PIN required
26 = Authorization by issuer only; prompt
for PIN, if PIN pad is present

EFFECTIVE DATE

varies

4

N

DISCRETIONARY DATA

varies

5

N

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

UNUSED

varies

17

A/N

Reserved for future use.

32

The date in YYMM format. The card becomes
valid on the first day of the month.

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3: Card Brand Information

3.2.3 American Express Track 2 Format X4.16
Standard
Table 3-4 American Express Track 2 Format X4.16 Standard
Field Name

Position

Length

Format

1

1

N

; (semicolon)

15–19

N

Cardholder’s PAN.

START SENTINEL

varies

Value/Description

PRIMARY ACCOUNT NUMBER

2

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.
The card expires on the last day of the month.

EFFECTIVE DATE

varies

4

N

The date in YYMM format. The card becomes
valid on the first day of the month.

DISCRETIONARY DATA

varies

5

N

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment. LRC
may or may not be present.

UNUSED

varies

8

N

= (equal sign)

Reserved for future use.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.2.4 American Express Track 2 Format ISO 7813
Standard
Table 3-5 American Express Track 2 Format ISO 7813 Standard
Field Name

Position

Length

Format

1

1

A/N

15–19

N

START SENTINEL

varies

Value/Description
; (semicolon)

PRIMARY ACCOUNT NUMBER

2

Cardholder’s PAN.

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.
The card expires on the last day of the month.

INTERCHANGE DESIGNATOR

varies

1

N

Code indicating whether the American
Express card can be used outside the country
of issue.

= (equal sign)

• 1 = Available for international interchange
• 2 = Chip card
• 5 = Available for interchange only in
country of issue
• 6 = Chip card, available for interchange
only in country of issue
• 7 = Not available for general interchange
• 9 = System test card
SERVICE CODE

varies

2

N

Code indicating whether the American
Express card is valid for ATM/Cash Access or
if a positive authorization is required.
•
•
•
•
•
•
•
•
•
•
•

EFFECTIVE DATE

varies

4

N

DISCRETIONARY DATA

varies

8

N

34

01 = No restrictions
02 = No ATM service
03 = ATM Service only
06 = No restrictions; prompt for PIN, if PIN
pad is present
10 = No cash advance
11 = No cash advance or ATM service
20 = Requires positive authorization by
issuer or issuer’s agent
21 = Authorization by issuer only
22 = Authorization by issuer only; Goods
& Services
23 = Authorization by issuer only; ATM
only, PIN required
26 = Authorization by issuer only; prompt
for PIN, if PIN pad is present

The date in YYMM format. The card becomes
valid on the first day of the month.

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3: Card Brand Information

Table 3-5 American Express Track 2 Format ISO 7813 Standard (Continued)
Field Name
LANGUAGE CODE

Position

Length

Format

Value/Description

varies

2

N

Code indicating non-Canadian versus
Canadian cardholders and when a Canadian,
whether English or French is the spoken
language of the cardholder.
• 00 = Non-Canadian Card member
• 01 = Canadian Card members (English
Language)
• 02 = Canadian Card members (French
Language)

END SENTINEL

varies

1

A/N

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

N

? (question mark)
Created by the encoding equipment.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.3 AVcard
• The AVcard requires a date check and a MOD-10 check.

3.3.1 AVcard Track 1 Format
Table 3-6 AVcard Track 1 Format
Field Name

Position

Length

Format

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

^ (caret)

ISO PREFIX

3

6

N

601029

ACCOUNT NUMBER

9

max

N

Cardholder’s PAN.

FIELD SEPARATOR

varies

1

A/N

^ (caret)

CREDIT CARD NAME

varies

26max

A/N

Customer or company name.

FIELD SEPARATOR

varies

1

A/N

^ (caret)

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM
format.

SERVICE CODE INDICATOR

varies

3

N

Constant, 701

DISCRETIONARY DATA

varies

15

A/N

Miscellaneous Cardholder Info.

END SENTINEL

varies

1

A/N

? (question mark)

13

Value/Description

3.3.2 AVcard Track 2 Format
Table 3-7 AVcard Track 2 Format
Field Name

36

Position

Length

Format

START SENTINEL

1

1

A/N

ISO PREFIX

2

6

N

601029

ACCOUNT NUMBER

8

max

N

AVcard Account Number.

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

YYMM

SERVICE CODE
INDICATOR

varies

3

N

Constant, 701

DISCRETIONARY DATA

varies

15

END SENTINEL

varies

1

13

Value/Description
; (semicolon)

= (equal sign)

Miscellaneous Cardholder Info.
A/N

? (question mark)

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3: Card Brand Information

3.4 Centego Prepaid Card
• PAN must pass MOD 10 check-digit test. (MOD 10 check on first 18 digits, 19th digit is the
check digit.)
• Cards are embossed with the Account Number.

3.4.1 Centego Prepaid Track 1 Format
Note: Track data must be sent excluding the START SENTINEL, END SENTINEL, and LRC.
Table 3-8 Centego Prepaid Track 1 Format
Field Name

Position

Length

Format

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

B

3–21

19

N

PRIMARY ACCOUNT NUMBER
FIELD SEPARATOR
CARDHOLDER NAME

22
23–48

26

Value/Description

Cardholder’s PAN.

1

A/N

^ (caret)

max

A/N

Contains a maximum of 26 characters.
^ (caret)

FIELD SEPARATOR

49

1

A/N

EXPIRATION DATE

50–53

4

N

The date the card expires in YYMM format.

SECURITY DATA

54–63

10

N

Card verification value.

MEMBER NUMBER

64–74

11

A/N

Club member number.

END SENTINEL

75

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

76

1

A/N

Created by the encoding equipment.

Note: The position ranges are valid for a 26-character cardholder name. The cardholder name is
a variable length field delimited by field separators. As a result, position ranges following
the CARDHOLDER field will change with varying CARDHOLDER field lengths.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.4.2 Centego Prepaid Track 2 Format
Table 3-9 Centego Prepaid Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

2–20

19

N

FIELD SEPARATOR

21

1

A/N

EXPIRATION DATE

22–25

4

N

The date the card expires in YYMM format.

SECURITY DATA

26–35

10

N

Card verification value.

END SENTINEL

36

1

A/N

? (question mark)

LONGITUDINAL REDUNDANCY
CHECK (LRC)

37

1

A/N

Created by the encoding equipment.

START SENTINEL
PRIMARY ACCOUNT NUMBER

38

Value/Description
; (semicolon)
Cardholder’s PAN.
= (equal sign)

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3: Card Brand Information

3.5 Discover Card
Discover Network (now known as DFS Services, LLC) allocates Issuer Identification Number
(IIN) ranges to authorized Issuers using the Discover Network. Discover Card recognition
includes the following Account Number field structures:
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number and the Expiration Date.

3.5.1 Discover Track 1 Format
Table 3-10 Discover Track 1 Format
Field Name

Position

Length

Format

1

1

A/N

% (percent sign)

2

1

A/N

B

16–19

N

START SENTINEL
FORMAT CODE

varies

Value/Description

Cardholder’s PAN.

PRIMARY ACCOUNT NUMBER

3

FIELD SEPARATOR

varies

1

A/N

^ (carat)

CARDHOLDER NAME

varies

varies

A/N

Field identifies the name of the cardholder
and contains a maximum of 26 characters.
The format of this field is last name followed
by first name and initial. A / (forward slash)
separates the first and last name.
Example: Last Name/First Name Initial
Embossing John P. Jones III
Mag Stripe Jones III/John P

FIELD SEPARATOR

varies

1

A/N

^ (carat)

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which the
card can be used.

SECURITY CODE

varies

13

A/N

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.5.2 Discover Track 2 Format
Table 3-11 Discover Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

16–19

N

START SENTINEL

varies

Value/Description
; (semicolon)

PRIMARY ACCOUNT NUMBER

2

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which
the card can be used.

SECURITY CODE

varies

13

A/N

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

40

Cardholder’s PAN.
= (equal sign)

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3: Card Brand Information

3.6 Diner’s Club International Card
The Diner’s Club International card must also be processed as a Discover Card.
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number and the Expiration Date.

3.6.1 Diner’s Club International Track 1 Format
Table 3-12 Diner’s Club International Track 1 Format
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

B

PRIMARY ACCOUNT NUMBER

3varies

14–19

N

FIELD SEPARATOR

varies

1

A/N

^ (carat)

CARDHOLDER NAME

varies

varies

A/N

Field identifies the name of the cardholder and
contains a maximum of 26 characters. The
format of the field is last name followed by first
name and initial. Each cardholder name
component is separated as follows:

Cardholder’s PAN.

• / (forward slash) = Separates the first and
last name.
• (space) = Separates first name from the
middle name or middle initial. It is also used
to separate a title from the first name or
middle name or initial. Used to separate a
title only when the cardholder names qualify
for separation.
Example: Last Name/First Name Initial
Embossing JOHN P. JONES JR.
Mag Stripe JONES/JOHN P JR
FIELD SEPARATOR

varies

1

A/N

^ (carat)

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

INTERCHANGE
QUALIFICATION CODE

varies

3

N

Code indicating the type of interchange that is
available on the card. Valid codes are as follows:
• 101 = Card is valid for unrestricted
international interchange.
• 587 = Card is valid only in territory of
issuance.

EFFECTIVE DATE

varies

4

A/N

The data in YYMM format.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.6.2 Diner’s Club International Track 2 Format
Table 3-13 Diner’s Club International Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

14–19

N

START SENTINEL

varies

Value/Description
; (semicolon)

PRIMARY ACCOUNT NUMBER

2

Cardholder’s PAN.

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

INTERCHANGE
QUALIFICATION CODE

varies

3

N

Code indicating the type of interchange that
is available on the card. Valid codes are as
follows:

= (equal sign)

• 101 = Card is valid for unrestricted
international interchange.
• 587 = Card is valid only in territory of
issuance.
EFFECTIVE DATE

varies

4

N

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

42

The data in YYMM format.

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3: Card Brand Information

3.7 Drop Tank Card
3.7.1 Drop Tank Track 1 Format
Table 3-14 Drop Tank Track 1 Format
Field Name

Position

Length

Format

Value Description

START SENTINEL

1

1

Hex

% (percent sign)

FORMAT CODE

2

1

A/N

b

ACCOUNT NUMBER

3–20

18

N

FIELD SEPARATOR

21

1

A/N

^ (caret)

FILLER

22

1

A/N

Space

FIELD SEPARATOR

23

1

A/N

^ (caret)

FILLER

24

1

A/N

Space

END SENTINEL

25

1

A/N

? (question mark)

LRC

26

1

A/N

Created by the encoding equipment.
LRC may or may not be present.

Cardholder’s PAN (token).

3.7.2 Drop Tank Track 2 Format
Table 3-15 Drop Tank Track 2 Format
Field Name

Position

Length

Format

1

1

Hex

ACCOUNT NUMBER

2–19

18

N

FIELD SEPARATOR

20

1

A/N

21-24

4

N

END SENTINEL

25

1

A/N

? (question mark)

LRC

26

1

A/N

Created by the encoding equipment.
LRC may or may not be present.

START SENTINEL

DATE

Value Description
; (semicolon)
Cardholder’s PAN (token).
= (equal sign)
Expiration date in MMYY format.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.8 Heartland Gift Card
• PAN must pass a MOD 10 check-digit test. The 19th position is the check-digit for the
proceeding 18 digits).
• Cards are embossed with the Account Number and the printed Access Code on the back.

3.8.1 Heartland Gift Card Track 2 Format
Table 3-16 Heartland Gift Card Track 2 Format
Field Name

Position

Length

Format

1

1

3B Hex

2–20

19

N

21

1

A/N

DATE

22–25

4

N

SECURITY DATA

26–38

13

N

END SENTINEL

39

1

A/N

LRC

40

1

OF Hex

START SENTINEL
PRIMARY ACCOUNT NUMBER
FIELD SEPARATOR

44

Value Description
; (semicolon)
Cardholder’s PAN.
= (equal sign)
Expiration date in MMYY format.
Default expiration is 9999.

? (question mark)
Longitudinal Redundancy Check.

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3: Card Brand Information

3.9 EBT Card
• The POS application must perform a MOD 10 check.
• No Specific ISO – No information in the account number or track data identifies the card as
a Food Stamp or Cash Benefit card. This identification must come from POS prompts.

3.9.1 EBT Track 2 Format
Table 3-17 EBT Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

2–20

19

N

FIELD SEPARATOR

21

1

A/N

EXPIRATION DATE

22–25

4

N

The date the card expires in YYMM format.

SERVICE CODE

26–28

3

N

120

29

varies

A/N

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

START SENTINEL
PRIMARY ACCOUNT NUMBER

DISCRETIONARY DATA

Value/Description
; (semicolon)
Cardholder’s PAN.
= (equal sign)

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.10 Fleet One Card
• Cards are embossed with the Account Number, Company Name and Vehicle Name /
Customer Name.

3.10.1 Fleet One Track 2 Format
Table 3-18 Fleet One Track 2 Format
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

; (semicolon)

CARD ISO/ABA PREFIX

2

6

A/N

501486
See A.6 Fleet Card BIN Ranges, pg. 245.

PROMPT CODE

8

2

N

Valid options are 10–19 and 99.

ACCOUNT NUMBER

10

6

N

Fleet company number.

CARD NUMBER

16

4

N

CHECK DIGIT

20

1

N

FIELD SEPARATOR

21

1

A/N

EXPIRATION DATE

22

4

N

0–9
= (equal sign)
The date the card expires in YYMM format.
9912 or 4912 indicates “does not expire.”

MEMBER NUMBER

26

1

N

0–9

PIN OFFSET

27

6

N

Not used.

END SENTINEL

33

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

34

1

A/N

Created by the encoding equipment.

46

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3: Card Brand Information

3.11 FleetCor Card
• Cards are embossed with the Account Number, Expiration Date, Company Name and
Vehicle Name/Customer Name.

3.11.1 FleetCor Track 2 Format
Table 3-19 FleetCor Track 2 Format
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

; (semicolon)

CARD ISO/ABA PREFIX

2

6

A/N

See A.6 Fleet Card BIN Ranges, pg. 245.

ISSUER IDENTIFIER

8

5

N

CARD NUMBER

13

6

N

FIELD SEPARATOR

19

1

A/N

EXPIRATION DATE

20

4

N

= (equal sign)
The date the card expires in YYMM format.
9912 is a valid value and indicates card does
not expire.

DISCRETIONARY DATA

24

0–13

N

Reserved for Future Use.
Value is either 0 or NULL.

END SENTINEL

24–37

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

25–38

1

A/N

b

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.12 JCB Card
All JCB cards follow the same track format as Discover. See 3.5 Discover Card, pg. 39.
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number and the Expiration Date.

3.12.1 JCB IIN Ranges on Discover Network
The JCB IIN Ranges are effective only for the domestic United States, and to the extent that
other Territories and Protectorates may be included, we will provide you with further information.
All other international markets are out of scope at this time. Additionally, ATM transactions will not
be enabled for the IIN ranges assigned to JCB. See A.4 Discover IIN Ranges, pg. 244.

48

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3: Card Brand Information

3.13 MasterCard
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number and the Expiration Date.

3.13.1 MasterCard Track 1 Format
Table 3-20 MasterCard Track 1 Format
Field Name

Position

Length

Format

1

1

A/N

% (percent sign)

2

1

A/N

B

16–19

N

START SENTINEL
FORMAT CODE

varies

Value/Description

Cardholder’s PAN.

PRIMARY ACCOUNT NUMBER

3

FIELD SEPARATOR

varies

1

A/N

^ (carat)

CARDHOLDER NAME

varies

2–26

A/N

Contains a maximum of 26 characters.

FIELD SEPARATOR

varies

1

A/N

^ (carat)

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which
the card can be used.

DISCRETIONARY DATA

varies

varies

A/N

Contains the CVC.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

3.13.2 MasterCard Track 2 Format
Table 3-21 MasterCard Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

PRIMARY ACCOUNT NUMBER

2varies

16–19

N

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which
the card can be used.

DISCRETIONARY DATA

varies

varies

A/N

Contains the CVC.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

START SENTINEL

Value/Description
; (semicolon)
Cardholder’s PAN.
= (equal sign)

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.14 MasterCard Fleet Card Type
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number, Expiration Date and Cardholder
Name.

3.14.1 MasterCard Fleet Card Example

Figure 3-1 MasterCard Fleet Card: Driver Assigned Example

Figure 3-2 MasterCard Fleet Card: Vehicle Assigned Example

50

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HPS Integrator’s Guide V 16.1.1

3: Card Brand Information

3.14.2 MasterCard Fleet Track 1 Format
Note: All MasterCard Fleet cards use the entire allocated length of the track. Therefore,
space-fill any variable length fields as necessary.
Table 3-22 MasterCard Fleet Track 1 Format
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

B

PRIMARY ACCOUNT NUMBER

3varies

16–19

N

FIELD SEPARATOR

varies

1

A/N

^ (carat)

CARDHOLDER NAME

varies

26

A/N

Contains a maximum of 26 characters.

FIELD SEPARATOR

varies

1

A/N

^ (carat)

EXPIRATION DATE

varies

4

N

SERVICE CODE

varies

3

A/N

DISCRETIONARY DATA

varies

22

A/N

PRODUCT RESTRICTION CODE

varies

1

N

1 to 2 required.

PRODUCT TYPE CODE

varies

1

N

1 to 5 required.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL REDUNDANCY
CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

Cardholder’s PAN.

The date the card expires in YYMM
format.
Identifies the circumstances under which
the card can be used.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.14.3 MasterCard Fleet Track 2 Format
Table 3-23 MasterCard Fleet Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

16–19

N

START SENTINEL

varies

Value/Description
; (semicolon)

PRIMARY ACCOUNT NUMBER

2

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

SERVICE CODE

varies

3

A/N

DISCRETIONARY DATA

varies

11

A/N

PRODUCT RESTRICTION CODE

varies

1

N

1 to 2 required.

PRODUCT TYPE CODE

varies

1

N

1 to 5 required.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL REDUNDANCY
CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

52

Cardholder’s PAN.
= (equal sign)
The date the card expires in YYMM
format.
Identifies the circumstances under which
the card can be used.

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HPS Integrator’s Guide V 16.1.1

3: Card Brand Information

3.15 MasterCard Purchasing Card
• PAN must pass a MOD 10 check-digit test.
• Card are embossed with the Primary Account Number and the Expiration Date.

3.15.1 MasterCard Purchasing Card Example

3.15.2 MasterCard Purchasing Track 1 Format
Table 3-24 MasterCard Purchasing Track 1 Format
Field Name

Position

Length

Format

1

1

A/N

% (percent sign)

2

1

A/N

B

16–19

N

START SENTINEL
FORMAT CODE

varies

Value/Description

Cardholder’s PAN.

PRIMARY ACCOUNT NUMBER

3

FIELD SEPARATOR

varies

1

A/N

^ (caret)

CARDHOLDER NAME

varies

varies

A/N

Contains a maximum of 26 characters.

FIELD SEPARATOR

varies

1

A/N

^ (caret)

EXPIRATION DATE

varies

4

N

SERVICE CODE

varies

3

A/N

Identifies the circumstances under which
the card can be used.

DISCRETIONARY DATA

varies

22

A/N

Optional field.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

The date the card expires in YYMM
format.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.15.3 MasterCard Purchasing Track 2 Format
Table 3-25 MasterCard Purchasing Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

16–19

N

START SENTINEL

varies

Value/Description
; (semicolon)

PRIMARY ACCOUNT NUMBER

2

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

A/N

Identifies the circumstances under which the
card can be used.

DISCRETIONARY DATA

varies

varies

A/N

Optional field.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

54

Cardholder’s PAN.
= (equal sign)

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HPS Integrator’s Guide V 16.1.1

3: Card Brand Information

3.16 Multi Service Track Data
3.16.1 Multi Service Swiped Track 2 Format
Table 3-26 Multi Service Swiped Track 2 Format
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

ISO PREFIX

2

6

N

Refer to the Heartland POS Integrator’s
Guide for BIN Ranges.

ACCOUNT NUMBER

8

8

N

Cardholder’s PAN.

FIELD SEPARATOR

16

1

A/N

CASH FLAG

17

1

N

PO REQUIRED FLAG

18

1

N

TWO DIGIT DAY OF ISSUANCE

19

2

N

FIELD SEPARATOR

21

1

A/N

DATE OF ISSUANCE

22

4

N

SERVICE RESTRICTIONS

26

1

N

FUEL FLAG

27

1

N

OIL FLAG

28

1

N

PLUS AMOUNT ON CARD

29

3

N

TYPE FLAG

32

1

N

FILLER SPACE

33

5

STRIPE VERSION NUMBER

38

1

N

END SENTINEL

39

1

A/N

; (semicolon)

= (equal)

= (equal)
YYMM

? (question mark)

3.17 PayPal Card
PayPal cards are now part of the Discover Network and follow the same track format as
Discover. See 3.5 Discover Card, pg. 39.
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number and the Expiration Date.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.18 Stored Value Solutions (SVS)
• PAN must pass MOD 10 check-digit test. (MOD 10 check on first 18 digits, 19th digit is the
check digit.)
• Cards are embossed with the Account Number.

3.18.1 SVS Track 1 Format
Table 3-27 SVS Track 1 Format
Field Name

Position

Length

Format

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

B

5–21

19

N

22

1

A/N

^ (caret)

23–48

26max

A/N

Contains a maximum of 26 characters.

FIELD SEPARATOR

49

1

A/N

^ (caret)

EXPIRATION DATE

50–53

4

N

The date the card expires in YYMM format.

SERVICE CODE

54–56

3

N

110

CVV DATA

57–59

3

A/N

Card Verification Value.

END SENTINEL

60

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

61

1

A/N

Created by the encoding equipment.

PRIMARY ACCOUNT NUMBER
FIELD SEPARATOR
CARDHOLDER NAME

Value/Description

Cardholder’s PAN.

3.18.2 SVS Track 2 Format
Table 3-28 SVS Track 2 Format
Field Name

Position

Length

Format

START SENTINEL

1–1

1

A/N

PRIMARY ACCOUNT NUMBER

2–20

19

N

FIELD SEPARATOR

21–21

1

A/N

EXPIRATION DATE

22–25

4

N

The date the card expires in YYMM format.

SERVICE CODE

26–28

3

N

110

CVV DATA

29–36

8

N

Card Verification Value.

END SENTINEL

37–37

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

38–38

1

A/N

Created by encoding equipment.

56

Value/Description
; (semicolon)
Cardholder’s PAN.
= (equal sign)

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HPS Integrator’s Guide V 16.1.1

3: Card Brand Information

3.19 UnionPay Card
All UnionPay issued cards follow the same track format as Discover. See 3.5 Discover Card, pg.
39.
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number and the Expiration Date.

3.20 ValueLink Card
• PAN must pass MOD 10 check digit test. (MOD 10 check on first 18 digits, 19th digit is the
check digit.)
• Card are embossed with the Account Number. CLGC cards (Closed Loop Gift Cards) are
embossed with 16 digits.

3.20.1 ValueLink Track 1 Format
Table 3-29 ValueLink Track 1 Format
Field Name

Position

Length

Format

START SENTINEL

1

1

A/N

FORMAT CODE

2

1

A/N

PRIMARY ACCOUNT NUMBER

3–20

13–19

N

FIELD SEPARATOR

varies

1

A/N

^ (caret)

CARDHOLDER NAME

varies

2–26

A/N

Contains a maximum of 26 characters.

SEPARATOR

varies

1

A/N

^ (caret)

CARD EXPIRATION DATE

varies

4

N

SERVICE CODE

varies

3

N

PVKI

1

N

PIN Verification Key Index.

PVV

4

N

PIN Verification Value.

DISCRETIONARY DATA

varies

varies

A/N

VISA RESERVED

varies

11

A/N

END SENTINEL

varies

1

A/N

LRC

varies

1

A/N

Value/Description

B
Cardholder’s PAN.

The date the card expires in YYMM format.

Longitudinal Redundancy Check.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.20.2 ValueLink Track 2 Format
Table 3-30 ValueLink Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

PRIMARY ACCOUNT NUMBER

3–20

13–19

N

FIELD SEPARATOR

varies

1

A/N

CARD EXPIRATION DATE

varies

4

N

SERVICE CODE

varies

3

N

PVKI

1

N

PIN Verification Key Index.

PVV

4

N

PIN Verification Value.

START SENTINEL

DISCRETIONARY DATA

varies

8

A/N

END SENTINEL

varies

1

A/N

LRC

varies

1

A/N

58

Value/Description

Cardholder’s PAN.
Usually = (equal)
The date the card expires in YYMM format.

Longitudinal Redundancy Check.

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HPS Integrator’s Guide V 16.1.1

3: Card Brand Information

3.21 VISA Card
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number and the Expiration Date.

3.21.1 VISA Track 1 Format
Table 3-31 VISA Track 1 Format
Field Name

Position

Length

Format

1

1

A/N

% (percent sign)

2

1

A/N

B

13–19

N

START SENTINEL
FORMAT CODE

varies

Value/Description

Cardholder’s PAN.

PRIMARY ACCOUNT NUMBER

3

FIELD SEPARATOR

varies

1

A/N

^ (carat)

CARDHOLDER NAME

varies

2–26

A/N

Contains a maximum of 26 characters.

FIELD SEPARATOR

varies

1

A/N

^ (carat)

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which the
card can be used.

PIN VERIFICATION

varies

0 or 5

N

If used, this field is composed of two
components.

PVKI

1

PIN Verification Key Index.

PVV

4

PIN Verification Value.

DISCRETIONARY DATA
VISA RESERVED

varies
varies

varies
11

1

A/N
A/N

PIN Verification. All 11 positions are required.

Filler

1–2

Zero-fill

CVV

3–5

Card Verification Value.

Filler

6–7

Zero-fill

ACI

8

Filler

9–11

Authorization Control Indicator.
Zero-fill

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

1. The length is always the last 11 positions of Track 1, excluding the END SENTINEL and LONGITUDINAL REDUNDANCY
CHECK.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.21.2 VISA Track 2 Format
Table 3-32 VISA Track 2 Format
Field Name

Position

Length

Format

1

1

A/N

13–19

N

START SENTINEL

varies

Value/Description
; (semicolon)

PRIMARY ACCOUNT NUMBER

2

Cardholder’s PAN.

FIELD SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which
the card can be used.

PIN VERIFICATION

varies

0 or 5

N

If used, this field is composed of two
components.

PVKI

1

N

PIN Verification Key Index (PVKI).

PVV

4

N

PIN Verification Value (PVV).

= (equal sign)

DISCRETIONARY DATA

varies

varies

A/N

Contains the Card Verification Value.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL REDUNDANCY
CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

3.22 VISA Corporate or Business
• For Track 1, see Table 3-31 VISA Track 1 Format, pg. 59.
• For Track 2, see Table 3-32 VISA Track 2 Format, pg. 60.

3.23 VISA Purchasing
• For Track 1, see Table 3-31 VISA Track 1 Format, pg. 59.
• For Track 2, see Table 3-32 VISA Track 2 Format, pg. 60.

60

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HPS Integrator’s Guide V 16.1.1

3: Card Brand Information

3.24 VISA Fleet Card Type
• PAN must pass a MOD 10 check-digit test.
• Cards are embossed with the Primary Account Number, Expiration Date, Company Name
or generic Cardholder ID.

3.24.1 VISA Fleet Card Example

Figure 3-3 VISA Fleet Card: Driver Assigned Example

Figure 3-4 VISA Fleet Card: Vehicle Assigned Example

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.24.2 VISA Fleet Track 1 Format
Table 3-33 VISA Fleet Track 1 Format
Field Name

Position

Length

Format

Value/Description

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

B

PRIMARY ACCOUNT NUMBER

3–20

13–19

N

FIELD SEPARATOR

varies

1

A/N

^ (caret)

CARDHOLDER NAME

varies

2–26

A/N

Contains a maximum of 26 characters.

SEPARATOR

varies

1

A/N

^ (caret)

CARD EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which
the card can be used.

PIN VERIFICATION

varies

0 or 5

N

If used, this field is composed of two
components.

PVKI

1

N

PIN Verification Key Index.

PVV

4

N

PIN Verification Value.

Cardholder’s PAN.

DISCRETIONARY DATA

varies

varies

A/N

VISA RESERVED

varies

11

A/N

FILLER

2

A/N

Zero-filled.

CVV

3

A/N

Card Verification Value.

FILLER

2

A/N

Zero-filled.

AUTHORIZATION
CONTROL INDICATOR
(ACI)

1

A/N

Zero or A to Z required.

RESERVED

1

A/N

0 (zero)

SERVICE ENHANCEMENT
INDICATOR

1

A/N

62

• 0 = Fleet, No restriction (fuel,
maintenance and non-fuel purchases)
• 1 = Fleet (fuel and maintenance
purchases only)
• 2 = Fleet (fuel only)
• 3–9 = Reserved

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3: Card Brand Information

Table 3-33 VISA Fleet Track 1 Format (Continued)
Field Name

Position

SERVICE PROMPT

Length

Format

Value/Description

1

A/N

• 0 = Reserved (no prompt)
• 1 = Generic Identification Number and
ODOMETER1
• 2 = VEHICLE ID and ODOMETER
• 3 = DRIVER ID and ODOMETER
• 4 = ODOMETER
• 5 = No Prompt
• 6 = Generic Identification Number2
• 7–9 = Reserved (no prompt)

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by the encoding equipment.

1. SERVICE PROMPT 1: After prompt for an ID, cardholder enters 6-digit VEHICLE ID, DRIVER ID, or a generic identification
number followed by Odometer.
2. SERVICE PROMPT 6: After prompt for an ID, cardholder enters 6-digit VEHICLE ID, DRIVER ID, or generic identification number.

3.24.3 VISA Fleet Track 2 Format
Table 3-34 VISA Fleet Track 2 Format
Field Name
START SENTINEL

Position

Length

Format

Value/Description

1

1

A/N

PRIMARY ACCOUNT NUMBER

2varies

13–19

N

SEPARATOR

varies

1

A/N

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

SERVICE CODE

varies

3

N

Identifies the circumstances under which the
card can be used.

PIN VERIFICATION

26
varies
if used

0 or 5

N

If used, this field is composed of two
components.

1

N

PIN Verification Key Index.

4

N

PIN Verification Value.

varies

N

3

N

PVKI
PVV
DISCRETIONARY DATA
CARD VERIFICATION
VALUE (CVV)

varies

; (semicolon)
Cardholder’s PAN.
= (equal sign)

Identifies the Card Verification Value.

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3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

Table 3-34 VISA Fleet Track 2 Format (Continued)
Field Name

Position

ISSUER INFORMATION

FLEET SERVICES

Length

Format

Value/Description

varies

N

The length of this field depends on the
length of PIN Verification and must occupy
the third last position of the field. VISA Fleet
cards are required to use the last three
positions of this field to provide instructions
for customized prompts. For valid BIN
ranges, see A.1.2 VISA Fleet BIN Ranges,
pg. 161.

2

N

The third to last position from the END
SENTINEL, valid value is zero.
Service Enhancement Indicator. The value
entered in this field must occupy the second
last position of the field.
• 0 = Fleet, No restriction (fuel,
maintenance and non-fuel purchases)
• 1 = Fleet (fuel and maintenance
purchases only)
• 2 = Fleet (fuel only)
Note: The position of this field varies
depending on the length of PIN
Verification.

1

N

Indicate the SERVICE PROMPT.
• 0 = Reserved (no prompt)
• 1 = Generic Identification Number and
ODOMETER1
• 2 = VEHICLE ID and ODOMETER
• 3 = DRIVER ID and ODOMETER
• 4 = ODOMETER
• 5 = No Prompt
• 6 = Generic Identification Number2
• 7–9 = Reserved (no prompt)

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL REDUNDANCY
CHECK (LRC)

varies

1

A/N

Value of 0 (zero) to F.

1. SERVICE PROMPT 1: After prompt for an ID, cardholder enters six-digit VEHICLE ID, DRIVER ID, or a generic identification
number followed by Odometer.
2. SERVICE PROMPT 6: After prompt for an ID, cardholder enters six-digit VEHICLE ID, DRIVER ID, or generic identification
number.

64

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HPS Integrator’s Guide V 16.1.1

3: Card Brand Information

3.25 Voyager Fleet Card
• PAN must pass two MOD 10 check-digit tests. The 13th position is the check-digit for the
previous eight digits. The 19th position is the check-digit for the previous 18 digits.
• Cards are embossed with the Account Number, ID Number, Restriction Code and
Expiration Date.

3.25.1 Voyager Fleet Track 1 Format
Table 3-35 Voyager Fleet Track 1 Format
Field Name

Position

Length

Format

START SENTINEL

1

1

A/N

% (percent sign)

FORMAT CODE

2

1

A/N

0 (zero)

3–21

19

N

22

1

A/N

^ (carat)

CARDHOLDER NAME

23–47

varies

A/N

Contains a maximum of 25 characters.

FIELD SEPARATOR

varies

1

A/N

^ (carat)

EXPIRATION DATE

varies

4

N

The date the card expires in YYMM format.

RESTRICTION CODE

varies

2

N

Code indicating the type of prompts that display
for a customer transaction.

PRIMARY ACCOUNT NUMBER
FIELD SEPARATOR

Value/Description

Cardholder’s PAN.

• 00 = Do not prompt for ID Number or
odometer. All items allowed.
• 01 = Do not prompt for ID Number or
odometer. Fuel only.
• 10 = Prompt for ID Number. All items
allowed.
• 11 = Prompt for ID Number. Fuel only.
• 20 = Prompt for odometer. All items allowed.
• 21 = Prompt for odometer. Fuel only.
• 30 = Prompt for ID Number and odometer.
All items allowed.
• 31 = Prompt for ID Number and odometer.
Fuel only.
DISCRETIONARY DATA

varies

13

N

Contains a valid numeric value or be zero-filled.

END SENTINEL

varies

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

varies

1

A/N

Created by encoding equipment.

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65

3: Card Brand Information

HPS Integrator’s Guide V 16.1.1

3.25.2 Voyager Fleet Track 2 Format
Table 3-36 Voyager Fleet Track 2 Format
Field Name

Position

START SENTINEL

Length

1

PRIMARY ACCOUNT NUMBER

Format
A/N

Value/Description
; (semicolon)

2–20

19

N

Cardholder’s PAN.

FIELD SEPARATOR

21

1

A/N

EXPIRATION DATE

22–25

4

N

The date the card expires in YYMM format.

RESTRICTION CODE

26–27

2

N

Code indicating the type of prompts that
display for a customer transaction.

= (equal sign)

• 00 = Do not prompt for ID Number or
odometer. All items allowed.
• 01 = Do not prompt for ID Number or
odometer. Fuel only.
• 10 = Prompt for ID Number. All items
allowed.
• 11 = Prompt for ID Number. Fuel only.
• 20 = Prompt for odometer. All items
allowed.
• 21 = Prompt for odometer. Fuel only.
• 30 = Prompt for ID Number and
odometer. All items allowed.
• 31 = Prompt for ID Number and
odometer. Fuel only.
DISCRETIONARY DATA

28–38

11

N

END SENTINEL

39

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

40

1

A/N

Created by encoding equipment.

66

Will contain a valid numeric value or be
zero-filled.

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3.26 WEX Fleet Card
• Account Number is seven positions in length where the first six digits must pass MOD 10
check-digit test. The seventh digit is the check-digit.
• Cards are embossed with the Account Number, ISO Number, Purchase Device Sequence
Number, Expiration Date, Cardholder Name, Description and Restriction.

3.26.1 WEX Fleet Card Example

Figure 3-5 WEX Fleet Card Example

3.26.2 WEX GSA Fleet Cards
The following WEX GSA cards are to be treated just like any other WEX Fleet card.
• WEX Universal cards and WEX GSA cards have the same Track 2 layout.
• The card front for WEX Universal cards and WEX GSA cards differs, as the placement of
the six-digit ISO of 690046, the 13-digit Account Number, and five-digit value for the
Purchase Device Sequence Number varies by card type.
• WEX Universal cards display the 690046 ISO below the 13-digit Account Number, and
label the five-digits Purchase Device Sequence Number as the PURCH. DEV. SEQ. NO.
• WEX GSA Fleet cards display the 690046 ISO above the 13-digit Account Number and
place the five-digit Purchase Device Sequence Number after the 13-digit Account Number,
with no distinct label.
• WEX Dept of Defense cards and Dept of Energy cards display the 690046 ISO above the
13-digit Account Number and label the five-digit Purchase Device Sequence Number as
CARD NO.

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Figure 3-6 WEX GSA Fleet

Figure 3-7 WEX Dept. of Defence Fleet

Figure 3-8 WEX Dept. of Energy Fleet

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3.26.3 WEX Fleet Track 2 Format
Table 3-37 WEX Fleet Track 2 Format
Field Name

Position

Length

Format

START SENTINEL

1

1

A/N

ISO PREFIX

2

6

N

See A.6 Fleet Card BIN Ranges, pg. 245.

3–20

19

N

Cardholder’s PAN.

FIELD SEPERATOR

21

1

A/N

EXPIRATION DATE

22–25

4

N

The date the card expires in YYMM format.

26

1

N

Values are 0, 1, 2, 3, 4 or 5.

27–28

2

N

PRIMARY ACCOUNT NUMBER

PROMPT TABLE KEY
PURCHASE RESTRICTION

Value/Description
; (semicolon)

= (equal sign)

• 00 = Fuel Only
• 01 = Unrestricted
• 02 = Fuel and Auto (Includes Car Wash)
• 04 = Fuel and Oil
Note: Product restriction or validation is
only performed by the POS when
processing in offline mode. Product
restriction or validation is never
performed by the Host.

PURCHASE DEVICE
SEQUENCE NUMBER

29–33

5

N

Distinct from the prompt Vehicle ID.

CAV1

34–37

4

N

Card Authentication Value.

POS PROMPTS

38

1

N

Refer to the Heartland POS Integrator’s
Guide for WEX Fleet Prompting Values.

END SENTINEL

39

1

A/N

? (question mark)

LONGITUDINAL
REDUNDANCY CHECK (LRC)

40

1

A/N

Created by encoding equipment.

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3.26.4 WEX MOD 10 Calculation
WEX defines their Fleet number as:
• ISO – six numeric
• Client Id – four numeric
• Zeros – two numeric
• Account Number – six numeric
• Check Digit – one numeric
To calculate the Check Digit, follow these steps:
• Examine the six-digit Account Number, one digit at a time
• Result 1 = Multiply digit 1 by 1
• Result 2 = Multiply digit 2 by 2
• Result 3 = Multiply digit 3 by 1
• Result 4 = Multiply digit 4 by 2
• Result 5 = Multiply digit 5 by 1
• Result 6 = Multiply digit 6 by 2
If any of these Results (1 through 6) are > 9, then subtract 9 from that Result
The sum of all Results (1 through 6) = the Dividend
Divide the Dividend by 10 resulting in a Quotient and a Remainder
The Remainder = the MOD10-Value
If the MOD10-Value is not equal to 0, compute MOD10-Value = 10 minus MOD10-Value
Move MOD10-Value to Check Digit

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Chapter 4: E3 Processing Overview
4.1 Introduction
Heartland Secure™ is a comprehensive credit/debit card data security solution that combines
three powerful technologies working in tandem to provide merchants with the highest level of
protection available against card-present data fraud.
Offered to Heartland customers for no additional processing fees as part of Heartland's
comprehensive solutions, Heartland Secure combines:
• EMV electronic chip card technology to prove that a consumer's card is genuine.
• Heartland's E3® end-to-end encryption technology, which immediately encrypts card data
as it is acquired so that no one else can read it.
• Tokenization technology, which replaces card data with “tokens” that can be used for
returns and repeat purchases, but are unusable by outsiders because they have no value.
This guide focuses on Heartland's E3 end-to-end encryption solution and contains integration
information for POS systems. It serves as a companion to Heartland's host network
specifications and the E3 device programmer's manuals. These documents should be referred to
for more detailed information.

4.2 The E3® Solution
E3, an end-to-end encryption product by Heartland Payment Systems, is designed to protect
credit and debit card data from the moment of card swipe and through the Heartland network —
not just at certain points of the transaction flow.
E3 is based on Voltage Security's SecureData Payments product which provides a complete
payment transaction protection framework, built on two breakthrough technologies
encompassing encryption and key management: Voltage Format-Preserving Encryption (FPE)
and Voltage Identity-Based Encryption (IBE).
With Voltage Format-Preserving Encryption (FPE), credit card numbers and other sensitive data
are protected without the need to change the data format or structure. In addition, data properties
are maintained, such as a checksum, and portions of the data can remain in the clear.
With Voltage Identity-Based Encryption (IBE), the complexity of key management through
traditional Public Key Infrastructure (PKI) systems and symmetric key systems is eliminated —
because encryption keys are securely generated on demand and not stored, POS devices are
not subject to key injection and key rotation.

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4.3 Encryption Data
4.3.1 Encrypted Track and PAN Data
Depending on the configuration of your E3-capable card acceptance device, the E3 encrypted
Track and PAN data will be formatted using one of two Track Encryption Protocol (TEP)
algorithms, TEP1 or TEP2. TEP1 is whole track encryption, while TEP2 is structure preserving
encryption.
Example: The following data was produced by an E3-capable device using Heartland's VISA
test card:
Table 4-1 PAN Encryption
Cleartext

4012002000060016

TEP2

4012002650330016

TEP1

+++++++BWmfv/HUA

Table 4-2 Track 1 Encryption
Cleartext

%B4012002000060016^VI TEST CREDIT^251210118039000000000396?

TEP2

B4012007060016^VI TEST CREDIT^2512101XlwD91O5qOg+7Ftv+nLu

TEP1

3FLr83Ed5tiHN3r2CpT3kIndkhtiHRt3mtKQsozJ2rFQM8GE0ha2X7K6t

Table 4-3 Track 2 Encryption
Cleartext

;4012002000060016=25121011803939600000?

TEP2

4012007060016=2512101e3vdC5QhAEZa7UAN

TEP1

AsbjXkDWaRqLV0o5U33jffZqiPg

For TEP2, the following is guaranteed:
• The leading six digits of the original PAN are maintained in the clear.
• The trailing four digits of the original PAN are maintained in the clear.
• The middle digits are used for the ciphertext value, which is guaranteed to consist solely of
digits.
• The Luhn check value is preserved so that a PAN with a valid zero (0) result, creates
ciphertext that also checks as valid.
For TEP1, the device will provide a separate masked or obfuscated representation of the track
data for processing that requires the first six or last four digits of the PAN, cardholder name,
expiration date, Luhn check results, etc.

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4.3.2 Encrypted Card Security Code
The Card Security Code (CSC) printed on the back of the card, referred to as CAV2, CVC2,
CVV2, or CID depending on the card brand, can be optionally encrypted.
The value to be encrypted is constructed as follows:
• Length [1 digit]
• Random Filler [x digits]
• CSC [3 or 4 digits]
Table 4-4 Encrypted CSC Steps
Step

Example Data

1. Obtain the CSC value (either 3 or 4 digits)

572

2. Generate a random 3-digit number

413

3. Construct the value to be encrypted

3413572

4. Encrypt the value

9037662

Note: The total length of the encrypted CSC will always be seven digits. Typically, the device will
randomly generate two or three digits of filler to ensure the CSC is seven digits.

4.3.3 Encryption Transmission Block
The Encryption Transmission Block (ETB), sometimes referred to as a Key Transmission Block
(KTB), contains the IBE encrypted version of the device's randomly generated FPE key that was
used to encrypt the card data. The ETB must be sent in the authorization requests so that the
host can decrypt the card data.
Heartland's ETB must be Base64 encoded, and for TEP1 and TEP2 it must be 276 bytes.
For example:
/wECAQEEAoFGAgEH3gcOTDT6jRZwb3NAc2VjdXJlZXhjaGFuZ2UubmV0tmpl5zBEIeyea
DRWB0IlbnWdMjK32V4QIJRoRIpu1Fm9w8fdoJt1gLt2jkkliD+0kvFOrhspWh4dsDYvSH
GgdgetU3pfAx+iBS38Wq2KvTOOlueGvXcGe0y4G/DFVgT7zBHm1YS7cseYLEtADtoSnhB
UjasCciO5ul9GhesvQo8Ah7NM8geDZdKN0QZZiLH8cmYhgHp8kamxSciDJHARUO9tFb+h

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4.4 E3 Specific Requirements
4.4.1 Heartland Exchange
This section addresses specific requirements for E3 terminals using the Heartland Exchange
Message Specification. All card types may be sent using E3 encryption.

4.4.1.1 Unique Transaction ID (UID)
Heartland's Unique Transaction ID (UID) is a software solution that eliminates the need for a
POS application to store the account number or track data for subsequent processing such as
Voids/Incrementals, and Batch Settlement. The UID is returned by the Heartland Exchange Host
in the Authorization response messages. This application is not available on other Heartland
Host platforms.
• Voids/Incrementals: The Account Data Source field will be 'Z' or 'z' to indicate that the UID
is being used instead of track or Primary Account Number (PAN) data. The Customer Data
field will contain the UID which is the Retrieval Reference Number (RRN) from the
Authorization.
• Batch Settlement: The Primary Account Number field in the Batch Settlement Detail
Record will be filled with all spaces to indicate that the UID is being used instead of PAN
data. The Transaction Identifier field in the Batch Settlement Detail Record is the
Transaction Identifier from the Authorization and it contains the UID.

4.4.1.2 Merchant ID Number (MID)
Merchant ID Number is a 12 character field that contains a unique number assigned by
Heartland. If your E3 implementation encrypts the MID, then the E3 sub-encryption indicator in
the Key Block Data field must indicate the MID is encrypted (01 or 02 as appropriate).

4.4.1.3 Account Data Source
The Account Data Source field is used to indicate the source and format of the data contained in
the Customer Data field. Refer to the Exchange Host Specification for a complete list of Account
Data Source codes.

4.4.1.4 Customer Data
The Customer Data field contains the Key Block data and either the Cardholder Account data or
the Unique Transaction ID. The Cardholder Account data may be either the encrypted Track 1,
encrypted Track 2, or encrypted primary account number. The unique transaction ID is never
encrypted. Refer to the Exchange Host Specification for the Customer Data format.

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4.4.1.5 Retrieval Reference Number (RRN)
The Retrieval Reference Number field contains a value that uniquely identifies a transaction. The
Retrieval Reference Number is sent in an authorization response. The POS then uses the RRN
in voids and incrementals to identify the original transaction.

4.4.1.6 Transaction Identifier
The Transaction Identifier field contains the UID. The Transaction Identifier is sent in an
authorization response.

4.4.1.7 Authorization Example
The following examples shows highlighted fields that are used in the POS message to Heartland
messaging:
• Encrypted Track 1 Data
• Encrypted Track 2 Data
• KTB (Key Transmission Block)
• PAN (Primary Account Number)

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Table 4-5 Authorization Examples
Request

Response

For Encrypted Card Swipes:
The following request fields require specific handling:
• MID (Merchant ID Number) – This field will be either the
unencrypted, cleartext MID or the encrypted MID if supported.
• Account Data Source – This field will indicate that either encrypted
Track 1 or Track 2 data is being sent:
–

“h” = Encrypted Track 1

– “d” = Encrypted Track 2
• Customer Data – This field will be , where  is “v” (Voltage encryption)+ “01”, “02”, or “03” as appropriate +
KTB.

The following response fields require
specific handling:
• RRN (Retrieval Reference Number)
– This field will be used as the UID
(Unique Transaction ID) for
subsequent messages such as
voids.
• Transaction Identifier – This field will
be used as the UID in the batch
settlement detail record.

Example: v03/wECAQECAoFGAgEH2ggJTHLeIBZwb3NAc2
VjdXJlZXhjaGFuZ2UubmV0aFLxu2XTNLs6jIk3Bakt
bFZrdJ26dX85BjkkngQnmk+3tOhXRVILvASHnfmao0y
l5z7KNBx6Na7ekL+hryGQ3oPOcOVkEzei83Clsc
9QSfQJWB9ysAynGc6btccnrfjwyJn70KJ1cqQrw
623ASSWm57Hov2fMtWmPpYpQRr54oAoXZY
jUajd0sRXCn5XeD5BhpE/Wzd4Ayn+342BGUL
0N7hWKmV2uvVFzWkBTNzcX7vcrWTi4
jV9AtG2bLYJkCOi+OA2aY2OiRmw/0ZSQcH
For Encrypted Manual Entry from E3 PIN Pad:
The following request fields require specific handling:
• Merchant ID Number – This field will be the unencrypted, cleartext
MID.
• Account Data Source – This field will indicate that an encrypted PAN
is being sent:
–

n “x” = Encrypted, manually keyed PAN, Track 1 capable

– n “t” = Encrypted, manually keyed PAN, Track 2 capable
• Customer Data – This field will be , where 
is “v” (Voltage encryption) + “03” (sub-encryption indicator that only
PAN is encrypted, not MID) + KTB from the E3 PIN Pad.
Example: v03/wECAQECAoFGAgEH2ggJTHLeIBZwb3NAc
2VjdXJlZXhjaGFuZ 2UubmV0aFLxu2XTNLs6jIk3Ba
ktbFZrdJ26dX85BjkkngQnm
k+3 tOhXRVILvASHnfmao0yl5z7
KNBx6Na7ekL+hryGQ3oPOcOVkE
zei83Clsc9QSf QJWB9ysAynGc6btccnfrfjwyJn70KJ1
cqQrw623ASSWm57Hov2fMtWmPpYpQRr
54oAoXZYjUajd0sRXCOn5XeD5BhpE/Wzd4Ayn+3
42BGUL0N7hWKm+++++++X8zr5YaCZ1012

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Note:
• Refer to section Authorization Chapter in the Heartland Exchange specification for all other
fields.
• UIDs are used to retrieve a transaction’s account data for Voids, Incrementals, and Batch
Settlement. This eliminates the need to store or send encrypted or unencrypted track, PAN,
or KTB data once authorization has occurred.
• For refunds/returns, Purchase Return (Transaction Code CR) must be utilized so that the
returned UID can be used for settlement.
• For voice authorizations, Online Forced Purchase (Transaction Code 5S) must be utilized
so that the returned UID can be used for settlement.

4.4.1.8 Void/Incremental Example
A Void is required to cancel a previously authorized transaction. Online Auth Void (Transaction
Code 59), PIN Debit: Purchase Void (Transaction Code A3), or PIN Debit: Purchase Return Void
(Transaction Code A4) should be used depending on the type of the original authorization.
An Incremental Authorization is required in certain industries such as Hotel/Lodging when the
final amount due is more than 15% higher than the originally authorized amount.
For Voids/Incremental Requests the fields below require specific handling:
• Merchant ID Number – This field will be the unencrypted, cleartext MID.
• Account Data Source – This field will indicate that the UID is being sent instead of track or
PAN data:
– “z” = Original authorization request contained encrypted track or PAN data.
• Customer Data – This field will be , where 
is just “v03” – the KTB is not required in this case since no encrypted data is being sent,
and  is the RRN from the original authorization response.
Note: Refer to the Heartland Exchange Specification for all other fields.
Void/Incremental Responses – No specific fields in the Exchange Host response require specific
handling.

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4.4.2 Settlements
Batch transactions consist of a number of record types and require both request and responses.

4.4.2.1 Header Record Field Requirements
• Merchant ID Number – This field will be the unencrypted, cleartext MID.
• Key Block – This field will be just “v03” – the KTB is not required in this case since no
encrypted data is being sent.

4.4.2.2 Detail Record Fields Requirements
• Account Data Source – This field will be the same value as was used in the original
authorization request.
• Primary Account Number – This field will be filled with 22 spaces to indicate that the UID
will be used.
• Transaction Identifier – This field will be the Transaction Identifier from the original
authorization response (it contains the UID).

4.4.2.3 Settlement Notes
UIDs must be used for settlement, all other record fields in both the request and responses follow
those defined in the Exchange Host Specifications.
Note: The only alternative supported on Exchange for settling E3 encrypted transactions is to
send the encrypted PANs in the detail records, but that option requires that all transactions
in the batch share the same KTB.

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4.4.3 POS 8583
This section addresses specific requirements for E3 terminals using the POS 8583 message
specification. All card types may be sent using E3 encryption. All transactions utilizing E3
processing will include E3 data in DE 127: Forwarding Data.
These transactions require the following:
• E3 data must always appear in DE 127: Forwarding Data (using an Entry Tag value of
E3E.)
Note: Then encrypted CVV and ETB are attached to the E3 Data Block, while the encrypted
track data and/or encrypted PAN are placed in their normal position in the authorization
message.
• An account number must be more than 13 characters, the encrypted account number data
cannot exceed 19 characters.
• Encrypted Track 1 data will not exceed 79 bytes.
• Encrypted Track 2 data will not exceed 40 bytes.
Response codes specific to E3 transactions are:
• DE 39 = 952 (Failure for E3 terminals only – encryption error)
• DE 39 = 953 (Failure for E3 terminals only – too many queued / no connection)
Table 4-6 POS 8583 Data Fields
Field Name

Length

Value/Description

RECORD ID

2

E3

RECORD TYPE

3

001

KEY BLOCK DATA TYPE

1

v = Voltage

ENCRYPTED FIELD
MATRIX

2

• 03 = CustomerData
• 04 = CustomerData, Card Security Code

TEP TYPE

1

• 1 = TEP 1
• 2 = TEP 2

RESERVED

18

Blank-fill

CARD SECURITY CODE

7

Encrypted CVV data. Unencrypted bytes defined as:
• 1 = Length of actual CVV data
• 2–7 = CVV data, right-justified, random fill, numeric
only

RESERVED

45

Blank-fill

ETB LLL

3

Length of ETB Block.

ETB BLOCK

Varies

ETB cannot exceed 276 bytes.

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4.4.4 NTS
This section addresses specific requirements for E3 terminals processing on the NTS network
platform. All card types may be sent via E3 encryption. All transactions using E3 processing
append additional data items at the end of the record, which signals to the host that the
transaction is E3 encrypted.
These transactions require the following:
• E3 data must always appear at the end of a transaction. The POS terminal will append a
0x1D at the end of the transaction followed by the E3 data. Refer to Table 4-7 NTS Data
Fields, pg. 81.
Note: Then encrypted CVV and ETB are attached to the E3 Data Block, while the encrypted
track data and/or encrypted PAN are placed in their normal position in the authorization
message.
• POS must send spaces in the CVN field. This encrypted CVN value will be in the E3 Data
Block.
• An account number must not be less than 13 characters and the encrypted account
number data will not exceed 19 characters.
• Encrypted Track 1 data will not exceed 79 bytes.
• Encrypted Track 2 data will not exceed 40 bytes.
Response codes specific to E3 transactions are:
• 52 (Failure for E3 terminals only – encryption error)
• 53 (Failure for E3 terminals only – too many queued / no connection)

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Table below shows the data items that must be appended to the end of an E3 transaction.
Table 4-7 NTS Data Fields
Field Name
FIELD SEPARATOR

Length
1

Value/Description
0x1D
Indicator for E3 transaction (Hex: Constant ASCII).
Must be appended at end of E3 transaction.

RECORD ID

2

E3

RECORD TYPE

3

001

KEY BLOCK DATA TYPE

1

v = Voltage

ENCRYPTED FIELD
MATRIX

2

• 03 = Customer Data
• 04 = Customer Data, Card Security Code

TEP TYPE

1

• 1 = TEP 1
• 2 = TEP 2

RESERVED

18

Blank-fill

CARD SECURITY CODE

7

Encrypted CVV data. Unencrypted bytes defined as:
• 1 = Length of actual CVV data
• 2–7 = CVV data, right-justified, random fill numeric only

RESERVED

45

Blank-fill

ETB LLL

3

Length of ETB Block.

EBT BLOCK

Varies

ETB should not exceed 276 bytes.

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4.4.5 Z01
This section addresses specific requirements for E3 terminals processing on the Z01 network
platform. All card types may be sent via E3 encryption. All transactions using E3 processing will
append additional data items at the end of the record, which will signal to the Host that the
transaction is E3 encrypted.
These transactions require the following:
• E3 data must always appear at the end of a transaction. The POS terminal will append a
0x1D at the end of the transaction followed by the E3 data as specified in Table 4-8 Z01
Data Fields, pg. 83.
Note: The encrypted CVV and ETB are attached to the E3 Data Block, while the encrypted track
data and/or encrypted PAN are placed in their normal position in the authorization
message.
• POS must send spaces in AVS RESULT AND CID RESULT. The encrypted values are in
the E3 Data Block.
• An account number must not be less than 13 characters and the encrypted account
number data will not exceed 19 characters.
• Encrypted Track 1 data will not include the field separator 0x1C.
• Encrypted Track 2 data will not exceed 37 bytes.
Response codes specific to E3 transactions are:
• URC = EG, SRC = 8 (Failure for E3 terminals only – encryption error)
• URC = EH, SRC = 8 (Failure for E3 terminals only – too many queued / no connection)
Note: E3 transactions are not supported for TDC batch uploads.

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Table 4-8 Z01 Data Fields
Field Name
FIELD SEPARATOR

Length
1

Value/Description
0x1D.
Indicator for E3 transaction (Hex: Constant ASCII).
Must be appended at end of E3 transaction.

RECORD ID

2

E3

RECORD TYPE

3

001

KEY BLOCK DATA TYPE

1

v = Voltage

ENCRYPTED FIELD
MATRIX

2

• 03 = Customer Data
• 04 = Customer Data, Card Security Code

TEP TYPE

1

• 1 = TEP 1
• 2 = TEP 2

RESERVED

18

Blank-fill

CARD SECURITY CODE

7

Encrypted CVV data. Unencrypted bytes defined as:
• 1 = Length of actual CVV data
• 2–7 = CVV data, right-justified, random fill, numeric only

RESERVED

45

Blank-fill

ETB LLL

3

Length of ETB Block.

EBT BLOCK

Varies

ETB should not exceed 276 bytes.

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4.5 E3 Hardware Devices
The following section describes two hardware devices that use E3 encryption technology that
integrates with Heartland Hosts:
• E3 MSR Wedge (HPS-E3-M1)
• E3 PIN Pad (HPS-E3-P1)

4.5.1 E3 MSR Wedge (HPS-E3-M1)
• Hardware-encrypts card data upon swipe.
• Incorporates a Tamper-Resistant Security Module (TRSM) to physically protect data and
encryption keys.
• Available with USB and RS232 connectors.

Figure 4-1 E3 MSR Wedge

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4.5.2 E3 MSR Wedge Device Interface
Table 4-9 E3 MSR Wedge Operation Modes
Mode

Description

USB HID-KB

The POS system receives data from the E3 MSR Wedge as if sent
from a standard USB keyboard. In this mode, you can see the output
by opening a text editor such as Notepad and swiping a card. The
output is in Format 2 per the programmer’s manual.

USB HID-MSR

The POS system receives data from the E3 MSR Wedge via its
native USB HID interface in Format 1. For this mode, an ActiveX
control is available for web applications running on Internet Explorer
and provides commands for obtaining the desired output
components.
Also, a command-line application is available that acquires and
reformats the output as Format 2.

USB Virtual-COM or RS232

The POS system receives data from the E3 MSR Wedge via its
native serial COM port interface, which outputs in Form 2.
A virtual COM port driver is available for Windows. The RS232
wedge has a standard 9-PIN serial connector.

4.5.3 E3 MSR Wedge Example Output
See the following Format 2 example output from the E3 MSR Wedge:


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4.6 E3 PIN Pad (HPS-E3-P1)
The E3 PIN Pad is compatible with standard PIN entry/encryption operations, but is also capable
of functioning with MSR, Europay, MasterCard, and VISA (EMV) smart cards.
• Built-in MSR encrypts at the swipe and TRSM protects the data and keys.
• Hardware-encrypt manually-entered card numbers.
• Available with USB and RS232 connectors.

Figure 4-2 E3 PIN Pad

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Table 4-10 E3 MSR Wedge Operation Modes
POS System
E1.3111219098025[LRC]

E2.030[LRC]

Direction

E3 PIN Pad

→

“SWIPE CARD OR ENTER ACCOUNT #” is
displayed on LCD.

←



→
←



←

If card is swiped...
E3.11%B401200000000001
6^VI TEST CREDIT^25120000000
0000000000000?|V2uvVFzWkBT
NzcX7vcrWTi4jV9AtG2bLYJkCO
i+OA2aY2OiRmw/0ZSQcH|++++
+++X8zr5YaCZ11;4012000
000000016= 251 20000000000
000000?|7QjTe2v1Qy1L84Q+n6
zudfNOXf|+++++++X8zr5YaCZ
00||/wECAQ
ECAoFGAgEH2ggJTHLeIBZwb3N
Ac2VjdXJlZXhjaGFuZ2
UubmV0aFLxu2XTNLs6jIk3Baktb
FZrdJ26dX85Bjkkng Qnmk+3tOhX
RVILvASHnfmao0yl5z7KNBx6Na
7ekL+hry GQ3oPOcOVkEzei8
3Clsc9QSfQJWB9ysAynGc6btccn
fr fjwyJn70KJ1cqQrw623ASSWm
57Hov2fMtWmPpYpQRr54
oAoXZYjUajd0sRXCOn5XeD5Bhp
E/Wzd4Ayn+3 42BGUL0N7hWKm
[LRC]
or
If card number is manually entered...
E4.114012000000000016

+++++++X8zr5YCZ
/wECAQECAoFGAgEH2g
gJTHLeIBZwb3NA2VjdXJlZXhj
aGFuZ2UubmV0aFLxu2XTNLs6
jIk3Baktb FZrdJ26dX85Bjkkng
Qnmk+3tOhXRVILvASHnfma
o0yl5 z7KNBx6Na7ekL+hryGQ3
oPOcOVkEzei83Clsc9QSfQJW
B9ysAynGc6btccnfrfjwyJn70KJ
1cqQrw623ASSWm57H ov2fM
tWmPYpQRr54oAoXZYjUajd0
sRXCOn5XeD5BhpE /Wzd4Ayn
+342BGUL0N7hWKm[LRC]

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4.6.1 E3 PIN Pad Device Interface
The POS system transmits and receives data to/from the E3 PIN Pad via its native serial COM
port interface. For the USB PIN pad, a virtual COM port driver is available for Windows. The
RS232 PIN pad has a standard 9-PIN serial connector.
All messages are framed using standard VISA protocols:
• Message[LRC]
• Message[LRC]

4.6.1.1 E3 PIN Pad Requests
The following messages are sent to the PIN pad to request E3 encrypted card data via card
swipe and/or manual entry:
• E1.[entry_flag] [disp_flag] [mask_flag] [min len] [max len] [prompt1] [prompt2]
[prossing_prompt][LRC]
• E2.[timeout][LRC]

4.6.1.2 E3 PIN Pad Responses
The following messages are returned from the PIN pad with E3 encrypted card data via card
swipe or manual entry:
• Card Swipe: E3.[trk1][trk2][trk3][ktb][LRC]
• Manual Entry: E4.[result] [luhn] [obf][enc][ktb][LRC]

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4.6.2 Ingenico iPP300 and iSC Touch Series PIN Pads
You must sign up for an account at the Ingenico Developer Portal and mention that you are
working with Heartland. Retail Base Application (RBA) Integration Kits, Software Development
Kits (SDKs), and integration documentation for these devices can be downloaded from their
portal.
The E3 encryption settings are contained in a digitally signed SECURITY.PGZ files. Work with
Heartland to ensure that the appropriate file is loaded to your devices prior to certification testing
or production deployment.

4.6.3 Equinox L4000 and L5000 Series PIN Pads
You must sign up for an account at the Equinox Developer Portal and mention that you are
working with Heartland. Software Development Kits (SDKs) and integration documentation for
these devices can be downloaded from their portal.
The E3 encryption settings are contained in XML files which must be specified for all forms
(screens) from which card data is obtained, and the forms must be digitally signed. Equinox can
provide a development key to sign the forms for use on a development device, but for production
devices the forms will either need to be signed by Heartland, Equinox, or another entity that has
the appropriate signing tools. Work with Heartland to ensure that the appropriate forms have
been signed and loaded to your devices prior to certification testing or production deployment.

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5: EMV Processing Overview

Chapter 5: EMV Processing Overview
5.1 Introduction
In 1996, Europay, MasterCard, and VISA first published the “EMV” specifications for the use of
chip cards for payment. EMV® is now a registered trademark of EMVCo, LLC, an organization
jointly owned and operated by American Express, Discover, JCB, MasterCard, UnionPay, and
VISA.
EMVCo manages, maintains, and enhances the EMV Integrated Circuit Card Specifications to
help facilitate global interoperability and compatibility of payment system integrated circuit cards
and acceptance devices. EMVCo maintains and extends specifications, provides testing
methodology, and oversees the testing and approval process.
The EMV Specifications provide a global standard for credit and debit payment cards based on
chip card technology. Payment chip cards contain an embedded microprocessor, a type of small
computer that provides strong security features and other capabilities not possible with traditional
magnetic stripe cards.
Chip cards are available in two forms, contact and contactless.
• For contact, the chip must come into physical contact with the chip reader for the payment
transaction to occur.
• For contactless, the chip must come within sufficient proximity of the reader (less than 4
cm) for the payment transaction to occur. Some cards may support both contact and
contactless interfaces, and non-card form factors such as mobile phones may also be used
for contactless payment.
Heartland recommends that vendors become familiar with general EMV processing prior to initial
implementation at Heartland. A good overview of EMV is available from EMVCo at:
http://www.emvco.com/best_practices.aspx?id=217.

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5.2 EMV Migration
5.2.1 Enhanced Security
EMV is designed to significantly improve consumer card payment security by providing features
for reducing fraudulent transactions that result from counterfeit and lost and stolen cards. Due to
increased credit card breaches, this enhanced security has become a significant necessity.
The key security features are:
Table 5-1 Key Security Features
Key Security Feature

Description

Card Authentication

The terminal can authenticate the legitimacy of the card by using a
public-key infrastructure (PKI) and Rivest, Shamir, and Adleman (RSA)
cryptography to validate signed data from the card. The issuer can
authenticate the legitimacy of the card by validating a unique cryptogram
generated by the card for each payment transaction. These features will
help protect against counterfeit fraud.

Risk Management

EMV introduces localized parameters to define the conditions under which
the issuer will permit the chip card to be used and force transactions online
for authorization under certain conditions such as offline limits being
exceeded.

Transaction Integrity

Payment data such as purchase and cashback amounts are part of the
cryptogram generation and authentication processing, which will help
ensure the integrity of this data across authorization, settlement, and
clearing.

Cardholder Verification

More robust cardholder verification processes and methods such as online
PIN (verified online by issuer) and offline PIN (verified offline by card) will
help protect against lost and stolen fraud.

5.2.2 Card Brand Mandates
Effective April 2013, acquirer processors and sub-processor service providers are required to
support merchant acceptance of EMV chip transactions.

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5.2.3 Fraud Liability Shifts
Effective October 2015 (or October 2017 for automated fuel dispensers), a merchant that does
not support EMV assumes liability for counterfeit card transactions.
There are two types of liability shifts:
Table 5-2 Liability Shifts
Liability Shift

Description

Chip Liability Shift

An issuer may charge back a counterfeit fraud transaction that occurred at a
non-EMV POS terminal if the valid card issued was a chip card.

Chip/PIN Liability Shift

An issuer may charge back a lost or stolen fraud transaction that occurred at
an EMV POS terminal that was not PIN-capable if the card involved was a
PIN-preferring chip card. A PIN-preferring chip card is defined as an EMV chip
card that has been personalized so that a PIN CVM option (online PIN or
offline PIN) appears in the card’s CVM list with a higher priority than the
signature option.

5.2.4 PCI Audit Waivers
Effective October 2012, the card brands will waive PCI DSS compliance validation requirements
if the merchant invests in contact and contactless chip payment terminals. For example, VISA’s
Technology Innovation Program (TIP) provides PCI audit relief to qualifying merchants (Level 1
and Level 2 merchants that process more than 1 million VISA transactions annually) when 75
percent of the merchant’s VISA transactions originate at a dual-interface EMV chip-enabled
terminal. MasterCard offers a similar program.

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5.3 EMV Specifications
This document provides guidelines for EMV integration, but it does not contain all the EMV
requirements. It should be used in conjunction with the following documents:

5.3.1 Contact Specifications
For EMV contact card acceptance, device manufacturers and payment application developers
must adhere to the following specifications:
Table 5-3 Contact Specifications
Source
EMVCo

94

Specification
• EMV Specifications v4.3 (Nov 2011) –
http://www.emvco.com/specifications.aspx?id=223
–

Book 1: Application Independent ICC to Terminal Interface Requirements

–

Book 2: Security and Key Management

–

Book 3: Application Specification

–

Book 4: Cardholder, Attendant, and Acquirer Interface Requirements

VISA

• Transaction Acceptance Device Guide v3.0 (May 2015)
• Integrated Circuit Card Specification v1.5 (May 2009)

MasterCard

• U.S. Market Terminal Requirements (April 2014)

American Express

• AEIPS Terminal Implementation Guide v4.3 (April 2015)
• AEIPS Terminal Technical Manual v4.3 (April 2015)

Discover

• Contact D-PAS Acquirer Implementation Guide v3.0 (Jan 2015)
• D-PAS Terminal Specification v1.0 (Jun 2009)

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5.3.2 Contactless Specifications
For EMV contactless card acceptance, device manufacturers and payment application
developers must adhere to the following specifications:
Table 5-4 Contactless Specifications
Source

Specification
• EMV Contactless Specifications v2.5 (Mar 2015) –
http://www.emvco.com/specifications.aspx?id=21

EMVCo

–

Book A: Architecture and General Requirements

–

Book B: Entry Point

–

Books C [C-1, C-2, C-3, C-4, C-5, C-6, C-7]: Kernel Specifications

–

Book D: Contactless Communication Protocol

VISA

• Transaction Acceptance Device Guide v3.0 (May 2015)
• Contactless Payment Specification v2.1 (May 2009)

MasterCard

• U.S. Market Terminal Requirements (Apr 2014)
• Contactless Reader Specification v3.1 (Jun 2015)

American Express

• Contactless NFC Terminal Implementation Guide v1.0 (Mar 2014)
• Expresspay Terminal Specification v3.0 (Feb 2012)

Discover

• Contactless D-PAS Acquirer Implementation Guide v1.0
• Contactless D-PAS Terminal Application Specification v1.0

5.3.3 Heartland Host Specifications
Information given in this document for each network platform is meant to be an overview only.
The latest version of these Heartland platform specifications should be used for complete
message requirements and formats:
Table 5-5 Heartland Host Specifications
Platform

Specification

Exchange

• Exchange Host Specifications

Portico

• Portico Developer Guide

NWS

• Z01 Specifications
• POS 8583 Specifications
• SpiDr Specifications Developer’s Guide

VAPS

• Network Terminal Specifications (NTS)
• POS 8583 Specifications
• SpiDr Specifications Developer’s Guide

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5.4 EMV Online vs. Offline
In the magstripe world, the term “offline” is often associated with certain types of transactions that
may occur when host communications are down, such as voice authorization, deferred
authorization (i.e. store and forward), and forced acceptance (i.e. merchant/acquirer stand-in).
Those same transactions can still occur in the EMV world as well, but there are several additional
uses of the term “offline” for EMV.

5.4.1 Card Authentication
Table 5-6 Card Authentication
Online Card Authentication

vs.

The transaction is sent online to an issuer who
authenticates the CVV in the track data for swiped
transactions, or CVV2 on the back of the card for
manually entered transactions.

Offline Card Authentication
The card may be authenticated offline by the terminal
using a PKI and RSA cryptography to verify that
certain static and/or dynamic data elements have been
digitally signed by the legitimate card issuer.

5.4.2 Cardholder Verification
Table 5-7 Cardholder Verification
Online Cardholder Verification

vs.

The transaction is sent online to an issuer who
verifies that the online PIN or AVS data is correct.

Offline Cardholder Verification
An offline PIN may be securely stored on the card, so
the PIN entered on the PIN entry device may be sent
to the card in plaintext or enciphered format to be
validated by the card.

5.4.3 Authorization
Table 5-8 Authorization
Online Authorization

vs.

The transaction is sent online to an issuer who
approves or declines the transaction.

96

Offline Authorization
Based on the amount of the transaction, and the risk
management criteria established by the card and the
terminal, a transaction may be approved or declined by
the card on behalf of the issuer, either with or without
attempt to go online to the issuer.

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5.5 Full vs. Partial EMV Transactions and Flow
EMV POS solutions typically support both “full” EMV transactions and “partial” EMV transactions
as follows:
Table 5-9 Full vs. Partial EMV Transactions and Flow
EMV Transaction

Description

Full EMV Transactions

Transactions such as Purchases and Pre-Authorizations where the full EMV
transaction flow (i.e. the interaction between the card and terminal) is
performed and the card participates in the authorization decision, whether
online or offline.

Partial EMV Transactions

Transactions such as Returns and Reversals where the EMV transaction
flow is only partially performed to the extent necessary to get the card data
from the chip and the card does not participate in the authorization decision.

5.5.1 Full vs. Partial Transaction Flow
Table 5-10 Full vs. Partial Transaction Flow
Full
EMV

Partial
EMV

Card Acquisition





Application Selection





Initiate Application Processing





Read Application Data





Offline Data Authentication



Processing Restrictions



Cardholder Verification



Terminal Risk Management



EMV Transaction Step

Terminal Action Analysis
Card Action Analysis

Notes
Card is inserted or tapped.





For partial EMV transactions, the terminal requests an AAC
at 1st GENERATE AC to terminate card usage.





For partial EMV transactions, the card always returns an
AAC.



Prompt to remove card if it was inserted.

Online Processing



Issuer Authentication



Completion



Issuer Script Processing



Card Removal



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5.5.2 Full vs. Partial Credit Transactions
Table 5-11 Full vs. Partial Credit Transactions
EMV Transactions

Full
EMV

Bill Payment



Card Verify



Cash Advance



Partial
EMV

Incremental Authorization
Offline Decline Advice

Notes

No chip data should be sent.


AAC received at 1st GENERATE AC or due to failed Issuer
Authentication at 2nd GENERATE AC.



Full for EMV offline approvals where TC received at 1st
GENERATE AC or after failed host communications at 2nd
GENERATE AC.

Offline Purchase Advice


Partial for voice authorizations if PAN obtained from chip.
Online Purchase



Pre-Authorization



ARQC received at 1st GENERATE AC.

Pre-Auth Completion
Purchase Return
Reversal on Timeout

No chip data should be sent.


To obtain PAN from chip if needed.
PAN and chip data from original authorization should be sent
unless otherwise stated in the network specifications. (This is
currently not applicable for the NTS platform.)
Note: No EMV data will be returned in the response.

Void

PAN and chip data from original authorization should be sent.
This should be the final chip data available from the original
authorization. Typically, this would be from the 2nd GEN AC
for contact and from the 1st GEN AC for contactless.
Note: No EMV data will be returned in the response.

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5.5.3 Full vs. Partial Debit Transactions
Table 5-12 Full vs. Partial Debit Transactions
EMV Transactions

Full
EMV

Partial
EMV

Notes



AAC received at 1st GENERATE AC or due to failed Issuer
Authentication at 2nd GENERATE AC.

Online Purchase



ARQC received at 1st GENERATE AC.

Pre-Authorization



Offline Decline Advice

Pre-Auth Completion
Purchase Return
Reversal on Timeout

No chip data should be sent.


ARQC received at 1st GENERATE AC.
PAN and chip data from original authorization should be sent.
Note: No EMV data will be returned in the response.

Void

PAN and chip data from original authorization should be sent.
This should be the final chip data available from the original
authorization. Typically, this would be from the 2nd GEN AC for
contact and from the 1st GEN AC for contactless.
Note: No EMV data will be returned in the response for Void.

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6: EMV Development Overview

Chapter 6: EMV Development Overview
6.1 EMV Terminals
In order to develop an EMV POS solution, an approved EMV transaction acceptance device
must be used. In this document all such devices, whether they are a countertop terminal,
multi-function PIN pad, multi-lane signature capture device, automated fuel dispenser module,
etc., will be referred as a 'terminal'.

6.1.1 Contact Devices
For EMV contact card acceptance, use any terminal if all of the following criteria apply:
• Contains an EMVCo Level 1 Contact approved Interface Module (IFM) evaluated against
the EMV ICC Specifications, Book 1 v4.0 or later.
• Contains a MasterCard Terminal Quality Management (TQM) approved IFM.
• Is running an EMVCo Level 2 Contact approved application kernel evaluated against the
EMV ICC Specifications v4.3 or later.
• Contains a PCI PTS 2.x, 3.x or 4.x approved PIN Entry Device (PED) or Encrypting PIN
Pad (EPP), if you plan to support PIN.

6.1.2 Contactless Devices
For EMV contactless card acceptance, use any terminal if all of the following criteria apply:
• Contains an EMVCo Level 1 Contactless approved Proximity Coupling Device (PCD)
evaluated against the EMV Contactless Specifications, Book D v2.2 or later.
• Contains a MasterCard TQM approved PCD.
• Is running a VISA approved payWave application kernel evaluated against the VISA
Contactless Payment Specification v2.1.1 or later.
• Is running a MasterCard approved MasterCard Contactless application kernel approved
against the MasterCard Contactless Reader Specification v3.0.1 or later.
• Is running an American Express approved Expresspay application kernel evaluated
against the Expresspay Terminal Specification v3.0 or later.
• Is running a Discover approved D-PAS application kernel evaluated against the
Contactless D-PAS Terminal Payment Application v1.0 or later.
• Contains a PCI PTS 2.x, 3.x or 4.x approved PED or EPP, if you plan to support PIN.
REQUIREMENT

An EMV POS Solution cannot be certified unless the EMVCo Level 1 and Level 2 Letters of
Approval for your terminal(s) of choice are current and not about to expire.

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6.1.3 Letters of Approval
The EMVCo and PCI approval numbers and/or Letters of Approval (LoAs) can be obtained from
their respective websites:
• http://www.emvco.com/approvals.aspx?id=83
• https://www.pcisecuritystandards.org/approved_companies_providers/approved_pin_trans
action_security.php
The other approval numbers and/or LoAs can be obtained from the device supplier or
manufacturer.

6.2 EMV Solutions
The type of EMV POS solution to be developed is an important consideration as this will
determine the level of expertise needed, the amount of time it will take and whether a full EMV
certification will be required.

6.2.1 Integrated
Integrated solutions typically involve an Electronic Cash Register (ECR) that is connected to a
terminal containing the EMV kernel and providing all EMV functionality including card acquisition
and PIN entry.
Table 6-1 Integrated Solutions
Integrated Solution

Description

Fully Integrated

The terminal provides the EMV functionality, but the ECR still handles
card data and host communication. Therefore, it is in scope for PCI and
full EMV certification.

Semi-Integrated

The terminal not only provides the EMV functionality, but also handles the
host communication, so the ECR does not see the card data. Therefore,
the ECR is not in scope for PCI or full EMV certification. Only a minimal
EMV validation script must be run for semi-integrated solutions.

6.2.2 Standalone
Standalone solutions consist of a terminal that runs the POS software, contains the EMV kernel
and provides all EMV functionality. PIN entry occurs on an internal or external PIN pad and if
contactless is supported, the reader may be integrated into the terminal or be a separate device.
A standalone solution is in scope for PCI and full EMV certification.

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6.3 EMV Certifications
Magstripe swiped and key entered transactions will continue to be certified directly through
Heartland per the existing processes already in place. However, EMV requires additional
certifications. Each card brand has its own proprietary chip applications that run on EMV cards
bearing their brand. For that reason, each card brand has its own certification requirements that
must be met and submitted for approval.

6.3.1 Test Requirements
The card brand certification requirements must be met for each distinct POS configuration that
will be deployed, which is defined by a unique combination of:
• The kernel software, which includes the Level 2 Contact Application Kernel and/or Level 2
Contactless Application Kernel (payWave, MasterCard Contactless, Expresspay, etc.).
• The terminal application software, which includes the payment application software and
the terminal-to-acquirer communication software.
• The specific terminal configuration, which includes use of a particular EMVCo Level 2
approved kernel configuration for the specific Terminal Type, Terminal Capabilities and
other relevant terminal parameter settings.
• The complete connection path from the terminal to the card brand.
The card brand certification requirements must be met when any of the following occurs:
• A particular POS configuration is deployed for the first time.
• A major upgrade is made to an already deployed POS configuration.
• The terminal hardware and software is upgraded and the change is major according to the
EMVCo Type Approval Bulletin No. 11 (http://www.emvco.com/approvals.aspx?id=108).
Note: Replacing the IFM with another approved IFM is not considered a major change.
• A contact terminal is upgraded to support contactless transactions.
• The terminal application software is upgraded to support additional payment related
functionality such as the partial approval, purchase with cash back, purchase with gratuity,
cardholder application selection, etc.
• The Level 2 kernel configuration is modified.
• The terminal is upgraded to support an additional AID.
• The acquirer modifies its network in such a way that it affects the transaction message
mapping between the POS and the acquirer host that interfaces with the card brand
networks.
• The card brand requests it, for instance, in the scope of the ad-hoc resolution of a field
interoperability issue.
REQUIREMENT

If an EMV POS Solution supports multiple kernel configurations, multiple certifications
will be required, one for each kernel configuration that will be used in production.

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6.3.2 Test Plans
The following card brand test plans must be executed for full EMV certifications:
• VISA Smart Debit/Credit (VSDC) Testing
• MasterCard Terminal Integration Process (M-TIP) Testing
• American Express Integrated Circuit Card Payment Specification (AEIPS) Testing
• Discover D-Payment Application Specification (D-PAS) Testing

6.3.2.1 VISA Smart Debit/Credit (VSDC) Testing
Table 6-2 VSDC Testing
Test Plan

Description

Acquirer Device Validation Toolkit (AT) User Guide
v6.1.1

Up to 32 test cases for EMV contact card acceptance.

qVSDC Device Module Test Cases v2.1

Up to 89 test cases for EMV contactless card acceptance.
Required for stand-alone contactless readers.
Optional for dual-interface (contact and contactless)
integrated readers.

Contactless Device Evaluation Toolkit (CDET) User
Guide v2.2

Up to 15 test cases for general contactless card acceptance.

6.3.2.2 MasterCard Terminal Integration Process (M-TIP)
Testing
Table 6-3 M-TIP Testing
Test Plan

Description

M-TIP 2.0 Build 215 – M-TIP Subset

Up to 175 test cases for EMV contact card acceptance.

M-TIP 2.0 Build 215 – Field Interoperability Subset

Up to 89 test cases for EMV contact card acceptance.

M-TIP 2.0 Build 215 – Contactless Subset 6

Up to 23 test cases for EMV contactless card acceptance.

M-TIP 2.0 Build 215 – Contactless Subset 8

Up to 268 test cases for EMV contactless card acceptance.

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6: EMV Development Overview

6.3.2.3 American Express Integrated Circuit Card Payment
Specification (AEIPS) Testing
Table 6-4 AEIPS Testing
Test Plan

Description

Global AEIPS Terminal Test Plan v6.2

Up to 34 test cases for EMV contact card acceptance.

Global Expresspay EMV Terminal End-to-End Test
Plan v1.5

Up to 25 test cases for EMV contactless card acceptance.

6.3.2.4 Discover D-Payment Application Specification
(D-PAS) Testing
Table 6-5 D-PAS Testing
Test Plan

Description

Contact D-PAS Acquirer-Terminal End-to-End Test Plan
v1.3

Up to 52 test cases for EMV contact card acceptance.

Contactless D-PAS Acquirer-Terminal End-to-End Test
Plan v1.2

Up to 33 test cases for EMV contactless card
acceptance.

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6.3.3 Test Tools
To successfully execute the test plans, you need the following:
1. The appropriate test cards.
2. A means of capturing, logging and validating the interaction between the terminal and
cards.
One method to accomplish this is to order all of the required physical test cards from a company
such as FIME, along with their Smartspy tools for logging the interaction. However, because
there are hundreds of different test cases and test cards and the requirements often change for
both, this approach is prohibitively impractical and expensive. Heartland recommends
purchasing test tools instead.
Many EMV test tools are available on the market today that remove the need for physical test
cards and rudimentary card spies. These tools emulate all the required test cards, facilitate
execution of the test cases, capture the interaction between the terminal and the cards in a
readable format, clearly indicate pass/fail results of the test cases and log the results in the
format required for submission to the card brands.
You may use any test tool if it has been approved for use by a card brand for the purpose of
meeting that brand’s certification requirements. Each card brand maintains a list of approved test
tools that have been verified to properly emulate the test cards and execute the test cases
required for certification.
The following tools are approved by all four card brands for both contact and contactless EMV
testing:
• ICC Solutions’ ICCSimTmat Test Manager
• UL Transaction Security’s Collis Brand Test Tool
You may choose to purchase either of these tools or any other tools approved for use by one or
more card brands. Heartland uses the Collis Brand Test Tool for testing our internally developed
applications. If you choose to purchase Collis, Heartland can apply knowledge and expertise of
that tool toward facilitating your testing.

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6: EMV Development Overview

6.3.4 Test Environments
Heartland currently has two EMV test environments:
Table 6-6 Test Environments
Test Environment

Description

Pre-certification

This environment is used for executing the card brand test cases to
ensure a 100% pass rate prior to moving to certification. This
environment can also be used for generic EMV and non-EMV testing
where certain dollar amounts trigger fixed responses from the host.

Certification

This environment is used for executing the card brand test cases for
submission to the card brands for formal certification.

It is essential that you work with POS Integrations to insure you are pointed to the correct test
environment based on the type of testing you are executing.

6.3.5 Test Process
You will need to work with our POS Integrations team to understand and follow their current
certification procedures. The following is only a high-level overview of the process:
Table 6-7 Test Process
Test Process
Certification Setup

Description
A certification analyst will provide you with the appropriate certification request
forms. Once those are returned and processed, the POS Integrations team will set
up the required test accounts, point them to the appropriate environments, provide
you with the corresponding credentials and provide test scripts as follows:
• VISA – No script available. You must configure your test tool according to
configuration being certified and it will specify test case applicability.
• MasterCard – We provide a TSE file that contains your script and must be
imported into your test tool.
• American Express – We provide access to the AMEX Test System (ATS) which
contains your script.
• Discover – We provide a spreadsheet from UL that contains your script.

Card Brand Pre-Certification

Execute all card brand test cases in our pre-certification environment to ensure a
100% pass rate prior to moving to certification. Our certification analyst may request
your terminal logs and transaction receipts if needed to help resolve issues.

Class B Certification

Execute the non-EMV test script provided by our certification analyst. The analysts
will review the results and provide their analysis. Errors are corrected and test
cases re-executed if necessary.

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Table 6-7 Test Process (Continued)
Test Process

Description

Card Brand Certification

Execute all card brand test cases in our certification environment. The following
actions must be completed depending on card brand:
• VISA – Export XML file for upload to Chip Compliance Reporting Tool (CCRT).
• MasterCard – Export TSEZ file containing terminal logs and validation, host
logs and validation and receipts.
• American Express – Complete user validations and upload terminal logs in
ATS.
• Discover – Indicate results and add comments as needed in provided
spreadsheet.

Card Brand Submission

REQUIREMENT

A certification analyst will ensure that all test cases have been completed then
submit the results to the card brands for approval. The turnaround time for the card
brands to review, approve and return a Letter of Approval is typically 10-15
business days.

Your terminal(s) of choice must have EMVCo Level 2 approved kernel configurations that
match each of the configurations specified in your certification request forms.

6.4 EMV Support
Our POS Integrations team is available from 9:00 AM to 5:00 PM Eastern to support EMV testing
and can be reached at EMVDevSupport@e-hps.com.

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7: EMV Terminal Interface

Chapter 7: EMV Terminal Interface
7.1 EMV Terminal to Card Communication
7.1.1 Application Protocol Data Units (APDUs)
The terminal talks to the Integrated Circuit Card (ICC) using Application Protocol Data Unit
(APDU) command-response pairs, which have the following formats:
• Command APDU Format
Table 7-1 Command APDU Format
Code

Description

Length

CLA

Class of instruction

1

INS

Instruction code

1

P1

Instruction parameter 1

1

P2

Instruction parameter 2

1

Lc

Number of bytes present in command data field

Data

String of data bytes send in command (= Lc)

Le

Maximum number of data bytes expected in data field of
response

0 or 1
var.
0 or 1

• Response APDU Format
Table 7-2 Response APDU Format
Code

Description

Length

Data

String of data bytes received in response

var. (= Lr)

SW1

Command processing status

1

SW2

Command processing qualifier

1

Where...
• SW1 SW2 = ‘9000’ (Success)
• SW1 SW2 = ‘6xxx’ (Failure)

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7.1.2 Tag, Length, Value (TLV) Data Objects
Data objects are BER-TLV coded, as defined in ISO/IEC 8825:
• The Tag field consists of one or more consecutive bytes. It indicates a class, a type, and a
number. EMV tags are coded on one or two bytes.
• The Length field consists of one or more consecutive bytes that indicate the length of the
following value field.
– If bit 8 of the most significant byte of the length field is set to 0, the length field consists
of only one byte. Bits 7 to 1 code the number of bytes of the value field, for lengths from
1 to 127.
– If bit 8 of the most significant byte of the length field is set to 1, the subsequent bits 7 to
1 code the number of subsequent bytes in the length field. The subsequent bytes code
an integer representing the number of bytes in the value field. Two bytes are necessary
to express lengths from 128 to 255.
• The Value field indicates the value of the data object. If L = 00, the value field is not
present.

7.1.3 Kernel Application Programming Interface (API)
Your terminal will come with a Software Development Kit (SDK) that provides an extraction
layer/library built on top of the EMVCo Level 2 contact approved kernel application that allows
your payment application to run EMV transactions. Discussion of the specific functions/methods
that are part of the SDKs provided by the device manufacturers is outside of the scope of this
document, although the intent of this document is to provide the background needed to
successfully utilize any API.

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7: EMV Terminal Interface

7.2 EMV Data Elements
7.2.1 Data Conventions
The following sections describe the TLV data objects that come from the terminal, card, and
issuer. The Value column uses the following format conventions:
Table 7-3 Data Conventions
Value

Description

a

Alphabetic data elements contain a single character per byte. The permitted characters are alphabetic
only (a to z and A to Z, upper and lower case).

an

Alphanumeric data elements contain a single character per byte. The permitted characters are
alphabetic (a to z and A to Z, upper and lower case) and numeric (0 to 9).

ans

Alphanumeric Special data elements contain a single character per byte. The permitted characters and
their coding are shown in the Common Character Set table in Annex B of Book 4.
There is one exception: The permitted characters for Application Preferred Name are the non-control
characters defined in the ISO/IEC 8859 part designated in the Issuer Code Table Index associated with
the Application Preferred Name.

b

These data elements consist of either unsigned binary numbers or bit combinations that are defined
elsewhere in the specification.
Binary example: The Application Transaction Counter (ATC) is defined as “b” with a length of two
bytes. An ATC value of 19 is stored as Hex '00 13'.
Bit combination example: Processing Options Data Object List (PDOL) is defined as “b” with the
format shown in Book 3, section 5.4.

cn

Compressed numeric data elements consist of two numeric digits (having values in the range Hex '0'–
'9') per byte. These data elements are left justified and padded with trailing hexadecimal 'F's.
Example: The Application Primary Account Number (PAN) is defined as “cn” with a length of up to ten
bytes. A value of 1234567890123 may be stored in the Application PAN as Hex '12 34 56 78 90 12 3F
FF' with a length of 8.

n

Numeric data elements consist of two numeric digits (having values in the range Hex '0'–'9') per byte.
These digits are right justified and padded with leading hexadecimal zeroes. Other specifications
sometimes refer to this data format as Binary Coded Decimal (“BCD”) or unsigned packed.
Example: Amount, Authorised (Numeric) is defined as “n 12” with a length of six bytes. A value of
12345 is stored in Amount, Authorised (Numeric) as Hex '00 00 00 01 23 45'.

var.

Variable data elements are variable length and may contain any bit combination. Additional information
on the formats of specific variable data elements is available elsewhere.

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7.2.2 Terminal Data
The following data comes from the terminal, payment application, or parameter management
system:
Table 7-4 Terminal Data
Name
ADDITIONAL
TERMINAL
CAPABILITIES

Tag

Length

Value

‘9F40’

5

b

Description
Indicates the data input and output capabilities of the terminal.

Byte 1 – Transaction Type Capability
b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Cash

x

1

x

x

x

x

x

x

Goods

x

x

1

x

x

x

x

x

Services

x

x

x

1

x

x

x

x

Cashback

x

x

x

x

1

x

x

x

Inquiry

x

x

x

x

x

1

x

x

Transfer

x

x

x

x

x

x

1

x

Payment

x

x

x

x

x

x

x

1

Administrative

Byte 2 – Transaction Type Capability

112

b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Cash Deposit

x

0

x

x

x

x

x

x

RFU

x

x

0

x

x

x

x

x

RFU

x

x

x

0

x

x

x

x

RFU

x

x

x

x

0

x

x

x

RFU

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

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Table 7-4 Terminal Data (Continued)
Name

Tag

Length

Value

Description
Byte 3 – Terminal Data Input Capability
b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Numeric keys

x

1

x

x

x

x

x

x

Alphabetic and
special character
keys

x

x

1

x

x

x

x

x

Command keys

x

x

x

1

x

x

x

x

Function keys

x

x

x

x

0

x

x

x

RFU

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

Byte 4 – Terminal Data Output Capability
b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Print, attendant

x

1

x

x

x

x

x

x

Print, cardholder

x

x

1

x

x

x

x

x

Display, attendant

x

x

x

1

x

x

x

x

Display, cardholder

x

x

x

x

0

x

x

x

RFU

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

1

x

Code table 10

x

x

x

x

x

x

x

1

Code table 9

Byte 5 – Terminal Data Output Capability

AMOUNT,
AUTHORIZED
(NUMERIC)

‘9F02’

6

n 12

b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Code table 8

x

1

x

x

x

x

x

x

Code table 7

x

x

1

x

x

x

x

x

Code table 6

x

x

x

1

x

x

x

x

Code table 5

x

x

x

x

1

x

x

x

Code table 4

x

x

x

x

x

1

x

x

Code table 3

x

x

x

x

x

x

1

x

Code table 2

x

x

x

x

x

x

x

1

Code table 1

Authorized amount of the transaction (excluding adjustments).

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Table 7-4 Terminal Data (Continued)
Name

Tag

Length

Value

Description

AMOUNT, OTHER
(NUMERIC)

‘9F03’

6

n 12

Secondary amount associated with the transaction representing
a cashback amount.

APPLICATION
IDENTIFIER (AID) TERMINAL

‘9F33’

3

b

APPLICATION
SELECTION
INDICATOR

Consists of the Registered Application Provider Identifier (RID)
+ a Proprietary Application Identifier Extension (PIX).
—

At the
discretion of
the terminal.
The data is
not sent
across the
interface

See
length

For an application in the ICC to be supported by an application
in the terminal, the Application Selection Indicator indicates
whether the associated AID in the terminal must match the AID
in the card exactly, including the length of the AID, or only up to
the length of the AID in the terminal.
There is only one Application Selection Indicator per AID
supported by the terminal.

APPLICATION
VERSION NUMBER

‘9F09’

2

b

AUTHORISATION
RESPONSE CODE
(ARC)

‘8A’

2

an 2

CARDHOLDER
VERIFICATION
METHOD (CVM)
RESULTS

Identifies the application as described in ISO/IEC 7816-5.

Version number assigned by the payment system for the
application.
Code that defines the disposition of a message.
For online transactions, the terminal should generate the value
as follows:

‘9F34’

3

b

Indicates the results of the last CVM performed.

Byte 1

CVM Performed

Last CVM of the CVM List actually performed
by the terminal: One-byte CVM Code of the
CVM List as defined in Book 3 ('3F' if no
CVM is performed).

Byte 2

CVM Condition

One-byte CVM Condition Code of the CVM
List as defined in Book 3 or ‘00’ if no actual
CVM was performed.

Byte 3

CVM Result

Result of the (last) CVM performed as known
by the terminal:
0 = Unknown (for example, for signature)
1 = Failed (for example, for offline PIN)
2 = Successful (for example, for offline PIN)
or set to ‘1’ if no CVM Condition Code was
satisfied or if the CVM Code was not
recognized or not supported.

CERTIFICATION
AUTHORITY PUBLIC
KEY CHECK SUM

—

20

b

A check value calculated on the concatenation of all parts of the
Certification Authority Public Key (RID, Certification Authority
Public Key Index, Certification Authority Public Key Modulus,
Certification Authority Public Key Exponent) using SHA-1.

CERTIFICATION
AUTHORITY PUBLIC
KEY EXPONENT

—

1 or 3

b

Value of the exponent part of the Certification Authority Public
Key.

CERTIFICATION
AUTHORITY PUBLIC
KEY INDEX

‘9F22’

1

b

Identifies the certification authority’s public key in conjunction
with the RID.

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Table 7-4 Terminal Data (Continued)
Name

Tag

Length

Value

Description

CERTIFICATION
AUTHORITY PUBLIC
KEY MODULUS

—

NCA
(up to 248)

b

Value of the modulus part of the Certification Authority Public
Key.

DEFAULT DYNAMIC
DATA
AUTHENTICATION
DATA OBJECT LIST
(DDOL)

—

var.

b

DDOL to be used for constructing the INTERNAL
AUTHENTICATE command if the DDOL in the card is not
present.

DEFAULT
TRANSACTION
CERTIFICATE DATA
OBJECT LIST (TDOL)

—

var.

b

TDOL to be used for generating the TC Hash Value if the TDOL
in the card is not present.

ENCIPHERED
PERSONAL
IDENTIFICATION
NUMBER (PIN) DATA

—

8

b

Transaction PIN enciphered at the PIN pad for online
verification or for offline verification if the PIN pad and IFD are
not a single integrated device.

INTERFACE DEVICE
(IFD) SERIAL
NUMBER

‘9F1E’

8

an 8

ISSUER SCRIPT
RESULTS

‘9F5B’

var.
(up to 20)

b

Unique and permanent serial number assigned to the IFD by the
manufacturer.
Indicates the result of the terminal script processing.
Byte 1

SCRIPT
RESULT

Most significant nibble: Result of the Issuer
Script processing performed by the terminal:
0 = Script not performed
1 = Script processing failed
2 = Script processing successful
Least significant nibble: Sequence number of
the Script Command
0 = Not specified
1 to E = Sequence number from 1 to 14
F = Sequence number of 15 or above

Byte 2–5

SCRIPT
IDENTIFIER

Script Identifier of the Issuer Script received
by the terminal, if available, zero filled if not.
Mandatory if more than one Issuer Script
was received by the terminal.

MAXIMUM TARGET
PERCENTAGE TO BE
USED FOR BIASED
RANDOM
SELECTION

—

POINT-OF-SERVICE
(POS) ENTRY MODE

‘9F39’

1

n2

Indicates the method by which the PAN was entered, according
to the first two digits of the ISO 8583:1987 POS Entry Mode.

TARGET
PERCENTAGE TO BE
USED FOR RANDOM
SELECTION

—

1

n2

Value used in terminal risk management for random transaction
selection.

1

n2

Value used in terminal risk management for random transaction
selection.
This is the desired percentage of transactions “just below” the
floor limit that will be selected to go online.

For transactions with amounts less than the Threshold Value for
Biased Random Selection, the terminal shall generate a random
number from 1 to 99, and if this number is less than or equal to
this value, the transaction shall be selected to go online.

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Table 7-4 Terminal Data (Continued)
Name

Tag

Length

Value

Description

TERMINAL ACTION
CODE (TAC) –
DEFAULT

‘FFC6’

5

b

Specifies the acquirer’s conditions that cause a transaction to
be rejected if it might have been approved online, but the
terminal is unable to process the transaction online.

TERMINAL ACTION
CODE (TAC) –
DENIAL

‘FFC7’

5

b

Specifies the acquirer’s conditions that cause the denial of a
transaction without attempt to go online.

TERMINAL ACTION
CODE (TAC) –
ONLINE

‘FFC8’

5

b

Specifies the acquirer’s conditions that cause a transaction to
be transmitted online.

TERMINAL
CAPABILITIES

‘9F40’

3

b

Indicates the data input and output capabilities of the terminal.
Byte 1 – Card Data Input Capability
b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Manual key entry

x

1

x

x

x

x

x

x

Magnetic stripe

x

x

1

x

x

x

x

x

IC with contacts

x

x

x

0

x

x

x

x

RFU

x

x

x

x

0

x

x

x

RFU

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

Byte 2 – CVM Capability

116

b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Plaintext PIN for ICC
verification

x

1

x

x

x

x

x

x

Enciphered PIN for
online verification

x

x

1

x

x

x

x

x

Signature (paper)

x

x

x

1

x

x

x

x

Enciphered PIN for
offline verification

x

x

x

x

1

x

x

x

No CVM Required

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

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7: EMV Terminal Interface

Table 7-4 Terminal Data (Continued)
Name

Tag

Length

Value

Description
Byte 3 – Security Capability

TERMINAL
COUNTRY CODE

‘9F1A’

2

n3

TERMINAL FLOOR
LIMIT

‘9F1B’

4

b

b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

SDA

x

1

x

x

x

x

x

x

DDA

x

x

1

x

x

x

x

x

Card capture

x

x

x

0

x

x

x

x

RFU

x

x

x

x

1

x

x

x

CDA

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

Indicates the country of the terminal, represented according to
ISO 3166.
Indicates the floor limit in the terminal in conjunction with the
AID.
Indicates the amount above which an online authorization is
required for contact transactions.

TERMINAL RISK
MANAGEMENT DATA

‘9F1D’

1–8

b

TERMINAL TYPE

‘9F35’

1

n2

Application-specific value used by the card for risk management
purposes.
Indicates the environment of the terminal, its communications
capability, and its operational control.
Environment

Operational Control Provided by:
Financial
Institution

Merchant

Cardholder

Attended
Online only

11

21

Online with offline
capability

12

22

Offline only

13

23

Online only

14

24

34

Online with offline
capability

15

25

35

Offline only

16

26

36

Unattended

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7: EMV Terminal Interface

HPS Integrator’s Guide V 16.1.1

Table 7-4 Terminal Data (Continued)
Name
TERMINAL
VERIFICATION
RESULTS (TVR)

Tag

Length

Value

‘95’

5

b

Description
Status of the different functions as seen from the terminal.

Byte 1
b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Offline data
authentication was
not performed

x

1

x

x

x

x

x

x

SDA failed

x

x

1

x

x

x

x

x

ICC data missing

x

x

x

1

x

x

x

x

Card appears on
terminal exception
file

x

x

x

x

1

x

x

x

DDA failed

x

x

x

x

x

1

x

x

CDA failed

x

x

x

x

x

x

1

x

SDA selected

x

x

x

x

x

x

x

0

RFU

b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

ICC and terminal
have different
application versions

x

1

x

x

x

x

x

x

Expired application

x

x

1

x

x

x

x

x

Application not yet
effective

x

x

x

1

x

x

x

x

Requested service
not allowed for card
product

x

x

x

x

1

x

x

x

New card

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

b8

b7

b6

b5

b4

b3

b2

b1

1

x

x

x

x

x

x

x

Cardholder
verification was not
successful

x

1

x

x

x

x

x

x

Unrecognized CVM

x

x

1

x

x

x

x

x

PIN Try Limit
exceeded

Byte 2

Byte 3

118

Meaning

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7: EMV Terminal Interface

Table 7-4 Terminal Data (Continued)
Name

Tag

Length

Value

Description
x

x

x

1

x

x

x

x

PIN entry required
and PIN pad not
present or not
working

x

x

x

x

1

x

x

x

PIN entry required,
PIN pad present, but
PIN was not entered

x

x

x

x

x

1

x

x

Online PIN entered

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Transaction exceeds
floor limit

x

1

x

x

x

x

x

x

Lower consecutive
offline limit exceeded

x

x

1

x

x

x

x

x

Upper consecutive
offline limit exceeded

x

x

x

1

x

x

x

x

Transaction selected
randomly for online
processing

x

x

x

x

1

x

x

x

Merchant forced
transaction online

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

Byte 4

Byte 5 – Terminal Data Output Capability
b8

b7

b6

b5

b4

b3

b2

b1

1

x

x

x

x

x

x

x

Default TDOL used

x

1

x

x

x

x

x

x

Issuer authentication
failed

x

x

1

x

x

x

x

x

Script processing
failed

x

x

x

1

x

x

x

x

Code table 5

x

x

x

x

1

x

x

x

Code table 4

x

x

x

x

x

1

x

x

Code table 3

x

x

x

x

x

x

1

x

Code table 2

x

x

x

x

x

x

x

1

Code table 1

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7: EMV Terminal Interface

HPS Integrator’s Guide V 16.1.1

Table 7-4 Terminal Data (Continued)
Name

Tag

Length

Value

Description

THRESHOLD VALUE
FOR BIASED
RANDOM
SELECTION

—

4

b

Value used in terminal risk management for random transaction
selection.
Transactions with amounts less than this value will be subject to
selection at random without further regard for the value of the
transaction. Transactions with amounts equal to or greater than
this value but less than the floor limit will be subject to selection
with bias toward sending higher value transaction online more
frequently (biased random selection).

TRANSACTION
CURRENCY CODE

‘5F2A’

2

n3

Indicates the currency code of the transaction according to ISO
4217.

TRANSACTION
CURRENCY
EXPONENT

‘5F36’

1

n1

Indicates the implied position of the decimal point from the right
of the transaction amount represented according to ISO 4217.

‘9A’

3

n6
YYMMDD

‘9F3C’

2

n3

Code defining the common currency used by the terminal in
case the Transaction Currency Code is different from the
Application Currency Code.

TRANSACTION
REFERENCE
CURRENCY
CONVERSION

—

4

n8

Factor used in the conversion from the Transaction Currency
Code to the Transaction Reference Currency Code.

TRANSACTION
REFERENCE
CURRENCY
EXPONENT

‘9F3D’

1

n1

Indicates the implied position of the decimal point from the right
of the transaction amount, with the Transaction Reference
Currency Code represented according to ISO 4217.

‘9C’

1

n2

Indicates the type of financial transaction, represented by the
first two digits of the ISO 8583:1987 Processing Code.

TRANSACTION DATE
TRANSACTION
REFERENCE
CURRENCY CODE

TRANSACTION TYPE

Local date that the transaction was authorized.

•
•
•
•
UNPREDICTABLE
NUMBER

120

‘9F37’

1

b

00’ = Purchase or Card Verify
09 = Purchase with Cashback
20 = Purchase Return
30 = Balance Inquiry

Value to provide variability and uniqueness to the generation of
a cryptogram.

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7: EMV Terminal Interface

7.2.3 Card Data
The following data comes from the ICC:
Table 7-5 Card Data
Name

Tag

Length

Value

Description

APPLICATION
CRYPTOGRAM

‘9F26’

8

b

Application
Currency Code

‘9F42’

2

n3

Indicates the currency in which the account is managed
according to ISO 4217.

Application
Currency Exponent

‘9F44’

1

n1

Indicates the implied position of the decimal point from the
right of the amount represented according to ISO 4217.

APPLICATION
DISCRETIONARY
DATA

‘9F05’

1–32

b

APPLICATION
EFFECTIVE DATE

‘5F25’

3

n6
YYMMDD

Date from which the application may be used.

Application
Expiration Date

‘5F24’

3

n6
YYMMDD

Date after which application expires.

Application File
Locator (AFL)

‘94’

var. up to
252

var.

Indicates the location (SFI, range of records) of the AEFs
related to a given application.

Application
Dedicated File
(ADF) Name

‘4F’

5–16

b

Identifies the application as described in ISO/IEC 7816-5.

Application
Interchange Profile

‘82’

2

b

Indicates the capabilities of the card to support specific
functions in the application.

Cryptogram returned by the ICC in response of the
GENERATE AC command.

Issuer or payment system specified data relating to the
application.

Byte 1
b8

b7

b6

b5

b4

b3

b2

b1

0

x

x

x

x

x

x

x

RFU

x

1

x

x

x

x

x

x

SDA supported

x

x

1

x

x

x

x

x

DDA supported

x

x

x

1

x

x

x

x

Cardholder verification
is supported

x

x

x

x

1

x

x

x

Terminal risk
management is to be
performed

x

x

x

x

x

1

x

x

Issuer authentication is
supported

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

1

CDA supported

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HPS Integrator’s Guide V 16.1.1

Table 7-5 Card Data
Name

Tag

Length

Value

Description
Byte 2
b8

b7

b6

b5

b4

b3

b2

b1

Meaning

0

x

x

x

x

x

x

x

Reserved for use by
the EMV Contactless
Specifications

x

0

x

x

x

x

x

x

RFU

x

x

0

x

x

x

x

x

RFU

x

x

x

0

x

x

x

x

RFU

x

x

x

x

0

x

x

x

RFU

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

Application Label

‘50’

1–16

ans
with the
special
character
limited to
space

Application
Preferred Name

‘9F12’

1–16

ans

Application Primary
Account Number
(PAN)

‘5A’

var. up to 10

cn
var. up to
19

Application Primary
Account Number
(PAN) Sequence
Number

‘5F34’

1

n2

Identifies and differentiates cards with the same PAN.

Application Priority
Indicator

‘87’

1

b

Indicates the priority of a given application or group of
applications in a directory.

Application
Reference
Currency

‘9F3B’

2–8

n3

1-4 currency codes used between the terminal and the ICC
when the Transaction Currency Code is different from the
Application Currency Code; each code is 3 digits according
to ISO 4217.

Application
Reference
Currency Exponent

‘9F43’

1–4

n1

Indicates the implied position of the decimal point from the
right of the amount, for each of the 1-4 reference currencies
represented according to ISO 4217.

Application
Transaction
Counter (ATC)

‘9F36’

2

b

Counter maintained by the application in the ICC
(incrementing the ATC is managed by the ICC).

Application Usage
Control

‘9F07’

2

b

Indicates issuer’s specified restrictions on the geographic
usage and services allowed for the application.

122

Mnemonic associated with the AID according to ISO/IEC
7816-5.

Preferred mnemonic associated with the AID.
Valid cardholder account number.

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7: EMV Terminal Interface

Table 7-5 Card Data
Name

Tag

Length

Value

Description
Byte 1
b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Valid for domestic
cash transactions

x

1

x

x

x

x

x

x

Valid for international
cash transactions

x

x

1

x

x

x

x

x

Valid for domestic
goods

x

x

x

1

x

x

x

x

Valid for international
goods

x

x

x

x

1

x

x

x

Valid for domestic
services

x

x

x

x

x

1

x

x

Valid for international
services

x

x

x

x

x

x

1

x

Valid at ATMs

x

x

x

x

x

x

x

1

Valid at terminals
other than ATMs

Byte 2

APPLICATION
VERSION
NUMBER

b8

b7

b6

b5

b4

b3

b2

b1

Meaning

1

x

x

x

x

x

x

x

Domestic cashback
allowed

x

1

x

x

x

x

x

x

International cashback
allowed

x

x

0

x

x

x

x

x

RFU

x

x

x

0

x

x

x

x

RFU

x

x

x

x

0

x

x

x

RFU

x

x

x

x

x

0

x

x

RFU

x

x

x

x

x

x

0

x

RFU

x

x

x

x

x

x

x

0

RFU

‘9F08’

2

b

Version number assigned by the payment system for the
application.

CARD RISK
MANAGEMENT
DATA OBJECT
LIST 1 (CDOL1)

‘8C’

var. up to
252

b

List of data objects (tag and length) to be passed to the ICC
in the first GENERATE AC command.

CARD RISK
MANAGEMENT
DATA OBJECT
LIST 2 (CDOL2)

‘8D’

var. up to
252

b

List of data objects (tag and length) to be passed to the ICC
in the second GENERATE AC command.

CARDHOLDER
NAME

‘5F20’

2–26

ans

Indicates cardholder name according to ISO 7813.

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HPS Integrator’s Guide V 16.1.1

Table 7-5 Card Data
Name

Tag

Length

Value

Description

CARDHOLDER
NAME EXTENDED

‘9F0B’

27–45

ans

Indicates the whole cardholder name when greater than 26
characters using the same coding convention as in ISO
7813.

‘8E’

10–252

b

CARDHOLDER
VERIFICATION
METHOD (CVM)
LIST

Identifies a method of verification of the cardholder
supported by the application.

CV Rule Byte 1
b8

b7

b6

b5

b4

b3

b2

b1
RFU

0

124

Meaning

0

Fail cardholder
verification if this CVM
is unsuccessful

1

Apply succeeding CV
Rule if this CVM is
unsuccessful
0

0

0

0

0

0

Fail CVM processing

0

0

0

0

0

1

Plaintext PIN
verification performed
by ICC

0

0

0

0

1

0

Enciphered PIN
verified online

0

0

0

0

1

1

Plaintext PIN
verification performed
by ICC and signature
(paper)

0

0

0

1

0

0

Enciphered PIN
verification performed
by ICC

0

0

0

1

0

1

Enciphered PIN
verification performed
by ICC and signature
(paper)

0

x

x

x

x

x

Values in the range
000110-011101
reserved for future use
by this specification

0

1

1

1

1

0

Signature (paper)

0

1

1

1

1

1

No CVM required

1

0

x

x

x

x

Values in the range
100000-101111
reserved for use by the
individual payment
systems

1

1

x

x

x

x

Values in the range
110000-111110
reserved for use by the
issuer

1

1

1

1

1

1

This value is not
available for use

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7: EMV Terminal Interface

Table 7-5 Card Data
Name

Tag

Length

Value

Description
CV Rule Byte 2
Value

Message

00

Always

01

If unattended cash

02

If not unattended cash and not manual cash and not purchase
with cashback

03

If terminal supports the CVM

04

If manual cash

05

If purchase with cashback

06

If transaction is in the application currency and is under X value

07

If transaction is in the application currency and is over X value

08

If transaction is in the application currency and is under Y value

09

If transaction is in the application currency and is over Y value

0A–7F

RFU

80–FF

Reserved for card brands

CERTIFICATION
AUTHORITY
PUBLIC KEY
INDEX

‘8F’

1

b

Identifies the certification authority’s public key in
conjunction with the RID.

CRYPTOGRAM
INFORMATION
DATA

‘9F27’

1

b

Indicates the type of cryptogram and the actions to be
performed by the terminal.

DEDICATED FILE
(DF) NAME

‘84’

5–16

b

Identifies the name of the DF as described in ISO/IEC
7816-4.

DIRECTORY
DEFINITION FILE
(DDF) NAME

‘9D’

5–16

b

Identifies the name of a DF associated with a directory.

‘9F49’

var. up to
252

b

List of data objects (tag and length) to be passed to the ICC
in the INTERNAL AUTHENTICATE command.

‘6F’

var. up to
252

var.

‘9F4C’

2–8

b

DYNAMIC DATA
AUTHENTICATION
DATA OBJECT
LIST (DDOL)
FILE CONTROL
INFORMATION
(FCI) TEMPLATE
ICC DYNAMIC
NUMBER

Identifies the FCI template according to ISO/IEC 7816-4.

Time-variant number generated by the ICC, to be captured
by the terminal.

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7: EMV Terminal Interface

HPS Integrator’s Guide V 16.1.1

Table 7-5 Card Data
Name

Tag

Length

Value

INTEGRATED
CIRCUIT CARD
(ICC) PIN
ENCIPHERMENT
PUBLIC KEY
CERTIFICATE

‘9F2D’

NI

b

ICC PIN Encipherment Public Key certified by the issuer.

INTEGRATED
CIRCUIT CARD
(ICC) PIN
ENCIPHERMENT
PUBLIC KEY
EXPONENT

‘9F2E’

1 or 3

b

ICC PIN Encipherment Public Key Exponent used for PIN
Encipherment.

INTEGRATED
CIRCUIT CARD
(ICC) PIN
ENCIPHERMENT
PUBLIC KEY
REMAINDER

‘9F2F’

NPE – NI +
42

b

Remaining digits of the ICC PIN Encipherment Public Key
Modulus.

INTEGRATED
CIRCUIT CARD
(ICC) PUBLIC KEY
CERTIFICATE

‘9F46’

NI

b

ICC Public Key certified by the issuer.

INTEGRATED
CIRCUIT CARD
(ICC) PUBLIC KEY
EXPONENT

‘9F47’

1 to 3

b

ICC Public Key Exponent used for the verification of the
Signed Dynamic Application Data.

INTEGRATED
CIRCUIT CARD
(ICC) PUBLIC KEY
REMAINDER

‘9F48’

NIC – NI +
42

b

Remaining digits of the ICC Public Key Modulus.

ISSUER ACTION
CODE (IAC) –
DEFAULT

‘9F0D’

5

b

Specifies the issuer’s conditions that cause a transaction to
be rejected if it might have been approved online, but the
terminal is unable to process the transaction online.

ISSUER ACTION
CODE (IAC) –
DENIAL

‘9F0E’

5

b

Specifies the issuer’s conditions that cause the denial of a
transaction without attempt to go online.

ISSUER ACTION
CODE (IAC) –
ONLINE

‘9F0F’

5

b

Specifies the issuer’s conditions that cause a transaction to
be transmitted online.

ISSUER
APPLICATION
DATA

‘9F10’

var. up to 32

b

Contains proprietary application data for transmission to the
issuer in an online transaction.

ISSUER CODE
TABLE INDEX

‘9F11’

1

n2

Indicates the code table according to ISO/IEC 8859 for
displaying the Application Preferred Name.

ISSUER
COUNTRY CODE

‘5F28’

2

n3

Indicates the country of the issuer according to ISO 3166.

126

Description

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7: EMV Terminal Interface

Table 7-5 Card Data
Name

Tag

Length

Value

ISSUER PUBLIC
KEY CERTIFICATE

‘90’

NCA

b

Issuer public key certified by a certification authority.

ISSUER PUBLIC
KEY EXPONENT

‘9F32’

1 to 3

b

Issuer public key exponent used for the verification of the
Signed Static Application Data and the ICC Public Key
Certificate.

ISSUER PUBLIC
KEY REMAINDER

‘92’

NI – NCA +
36

b

Remaining digits of the Issuer Public Key Modulus.

LANGUAGE
PREFERENCE

‘5F2D’

2–8

an 2

LAST ONLINE
APPLICATION
TRANSACTION
COUNTER (ATC)
REGISTER

‘9F13’

2

b

ATC value of the last transaction that went online.

LOWER
CONSECUTIVE
OFFLINE LIMIT

‘9F14’

1

b

Issuer-specified preference for the maximum number of
consecutive offline transactions for this ICC application
allowed in a terminal with online capability.

PERSONAL
IDENTIFICATION
NUMBER (PIN)
TRY COUNTER

‘9F17’

1

b

Number of PIN tries remaining.

PROCESSING
OPTIONS DATA
OBJECT LIST
(PDOL)

‘9F38’

var.

b

Contains a list of terminal resident data objects (tags and
lengths) needed by the ICC in processing the GET
PROCESSING OPTIONS command.

SERVICE CODE

‘5F30’

2

n3

Service code as defined in ISO/IEC 7813 for Track 1 and
Track 2.

SHORT FILE
IDENTIFIER (SFI)

‘88’

1

b

Identifies the AEF referenced in commands related to a
given ADF or DDF. It is a binary data object having a value
in the range 1 to 30 and with the three high order bits set to
zero.

SIGNED DYNAMIC
APPLICATION
DATA

‘9F4B’

NIC

b

Digital signature on critical application parameters for DDA
or CDA.

‘93’

NI

b

Digital signature on critical application parameters for SDA.

STATIC DATA
AUTHENTICATION
TAG LIST

‘9F4A’

var.

—

List of tags of primitive data objects defined in this
specification whose value fields are to be included in the
Signed Static or Dynamic Application Data.

TRACK 1
DISCRETIONARY
DATA

‘9F1F’

var.

ans

Discretionary part of Track 1 according to ISO/IEC 7813.

SIGNED STATIC
APPLICATION
DATA

Description

1-4 languages stored in order of preference, each
represented by 2 alphabetical characters according to ISO
639.

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HPS Integrator’s Guide V 16.1.1

Table 7-5 Card Data
Name
TRACK 2
DISCRETIONARY
DATA
TRACK 2
EQUIVALENT
DATA

Tag

Length

Value

‘9F20’

var.

cn

Discretionary part of Track 2 according to ISO/IEC 7813.

‘57’

var. up to 19

b

Contains the data elements of Track 2 according to
ISO/IEC 7813, excluding start sentinel, end sentinel, and
Longitudinal Redundancy Check (LRC), as follows:

n, var. up
to 19
b
n4
n3
n, var.
b

Description

•
•
•
•
•

Primary Account Number
Field Separator (Hex ‘D’)
Expiration Date (YYMM)
Service Code
Discretionary Data (defined by individual payment
systems)
• Pad with one Hex ‘F’ if needed to unsure whole bytes

TRANSACTION
CERTIFICATION
DATA OBJECT
LIST (TDOL)

‘97’

var. up to
252

b

List of data objects (tag and length) to be used by the
terminal in generating the TC Hash Value.

UPPER
CONSECUTIVE
OFFLINE LIMIT

‘9F23’

1

b

Issuer-specified preference for the maximum number of
consecutive offline transactions for this ICC application
allowed in a terminal without online capability.

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7.2.4 Issuer Data
The following data comes from the issuer:
Table 7-6 Issuer Data
Name

Tag

Length

Value

Description

AUTHORIZATION
RESPONSE
CRYPTOGRAM
(ARPC)

—

4 or 8

b

Cryptogram generated by the issuer and used by the card
to verify that the response came from the issuer.

CARD STATUS
UPDATE (CSU)

—

4

b

Contains data sent to the ICC to indicate whether the
issuer approves or declines the transaction, and to initiate
actions specified by the issuer. Transmitted to the card in
Issuer Authentication Data.

ISSUER
AUTHENTICATION
DATA

‘91’

8-16

b

Data sent to the ICC for online issuer authentication.

ISSUER SCRIPT
COMMAND

‘86’

var. up
to 261

b

Contains a command for transmission to the ICC.

ISSUER SCRIPT
IDENTIFIER

‘9F18’

4

b

Identification of the Issuer Script.

ISSUER SCRIPT
TEMPLATE 1

‘71’

var.

b

Contains proprietary issuer data for transmission to the ICC
before the second GENERATE AC command.

ISSUER SCRIPT
TEMPLATE 2

‘72’

var.

b

Contains proprietary issuer data for transmission to the ICC
after the second GENERATE AC command.

PROPRIETARY
AUTHENTICATION
DATA

—

var. up
to 8

b

Contains issuer data for transmission to the card in the
Issuer Authentication Data of an online transaction.

7.3 Contact Transaction Flow
The EMV transaction flow for contact EMV cards consists of up to 13 steps, each of which
consist of a set of interactions between the card, terminal, and/or issuer. See Figure 7-1.

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Chip Card

Chip Card Terminal

Chip card is inserted

Terminal powers up chip card and
establishes communication

Chip card provides supported
applications

Terminal identifies and selects an
application

Chip card provides application
capabilities and location of data

Terminal initiates transaction

3. Read Application Data

Chip card provides application data

Terminal requests and stores
application data

4. Offline Data Authentication

If DDA: chip card generates security
data

If SDA or DDA: terminal validates chip
card

Pre
Transaction
Processing

Chip Card Insertion
Answer to Reset

1. Application Selection
2. Initiate Application
Processing

Terminal identifies transaction
restrictions

5. Processing Restrictions

Terminal validates cardholder
6. Cardholder Verification

7. Terminal Risk
Management

Transaction
Execution

If offline PIN: chip card provides PIN –
related details and validation

If offline PIN: terminal sends PIN to
chip card

If requested: chip card provides risk
management counters

Terminal performs a series of risk
checks
Terminal recommends the transaction
to be declined, sent online, or
approved

8. Terminal Action Analysis

9. Card Action Analysis

Chip card determines if the
transaction is declined, sent online, or
approved
If CDA: chip card generates security
data
If CDA: terminal validates chip card

10. Online Transaction
Authorization

Terminal executes authorization
Terminal recommends the transaction
to be declined or approved
Chip card determines if the
transaction is to be declined or
approved

11. Completion and
Issuer Script Processing

If approved
or declined

If CDA: chip card generates security
data
If CDA: terminal validates chip card
Terminal executes approval or decline
If present: terminal sends scripts to
chip card

Conclusion of Processing Chip
Post
Card Deactivation and
Transaction
Removal
Processing

Chip card processes scripts

Terminal prints receipt and
deactivates chip card

Figure 7-1 Contact Transaction Flow

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7.3.1 Tender Processing
For EMV transactions, the transaction amount requiring authorization must be known prior to
card entry and the Amount, Authorised (Tag ‘9F02’) that is used for cryptogram generation must
be set to this amount. This amount would include the base amount plus any of the following
additional amounts:
Table 7-7 Tender Processing
Additional
Amounts

Description

Cashback

If cashback is allowed and entered, Amount, Other (Tag ‘9F03’) must be set to the
cashback amount and this amount must be included in Amount, Authorised (Tag ‘9F02’).

Surcharges

Any surcharges (e.g. taxes, fees, etc.) that are applied must be included in Amount,
Authorized (Tag ‘9F02’).

Tips

For pay-at-the-counter and pay-at-the-table environments, where the cardholder has
access to the PIN pad, it is recommended that the tip amount be specified prior to card
entry and be included in Amount, Authorized (Tag ‘9F02’). The cardholder would be
handed the PIN pad and they would enter their tip, confirm the total, insert/tap their card,
enter their PIN if prompted, and wait for transaction completion before removing their
card and handing back the PIN pad.
For table service environments, the cardholder may still write in their tip later on the
receipt and sign for authorization, in which case the Amount, Authorized (Tag ‘9F02’)
would not include the tip amount.

There are circumstances where the final amount requiring authorization may be adjusted after
setting Amount, Authorised (Tag ‘9F02’) and after the cryptogram has been generated, such as
subtracting items from the sale amount that are not allowed for purchase with certain types of
cards. In this case, it is acceptable that the final authorization amount specified elsewhere in the
host messaging does not match the amount specified in Tag ‘9F02’.

REQUIREMENT

The Amount, Authorised (Tag ‘9F02’) must be set to the transaction amount known at
the time of card acquisition and is used for cryptogram generation. This amount must
not be changed even if the final amount submitted for authorization is different due to
adjustments that may have been applied after cryptogram generation.

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7.3.2 Card Acquisition
7.3.2.1 Card Swipe
Merchants have not been mandated to accept EMV cards nor have issuers been mandated to
issue EMV cards, so the full migration to EMV may not be completed for several years or
decades. Therefore, EMV chip cards will continue to have magnetic stripes into the foreseeable
future so that they can continue to be used at magstripe only terminals.
If a card is swiped on an EMV terminal, the terminal software must parse the three-digit service
code from the Track 1 or Track 2 data and examine the first digit. If the first digit of the service
code is a 2 or a 6 indicating that the card is a chip card, the terminal must not normally allow the
transaction to be processed using the magstripe data, but rather must prompt the merchant or
customer to insert or tap the card instead.
An appropriate message such as “SWIPE NOT ALLOWED FOR CHIP CARD – INSERT CARD”
should be displayed on the terminal.

REQUIREMENT

EMV solutions must continue to support magnetic stripe transactions, but must force
chip usage if the service code in the Track 2 data is ‘2xx’ or ‘6xx’.

7.3.2.2 Fallback Processing
When a chip card is presented, the card should normally be inserted or tapped and if swiped, the
terminal should prompt to insert the card as described above. However, there are circumstances
where the chip cannot be used and the magnetic stripe may be used instead. This is referred to
as “fallback” and there are two scenarios under which it is allowed:
Table 7-8 Fallback Processing
Fallback Scenario

Description

Technical Fallback

Unable to read chip card due to chip or chip reader failure.

Non-Technical Fallback

Empty application selection candidate list due to no mutually supported AIDs.

Fallback is not allowed in the following scenarios:
• The transaction is declined by the card or the issuer.
• The fallback transaction cannot be online-authorized.
• The card is blocked.
• All applicable AIDs on the chip are blocked.
• The card is withdrawn before the transaction is completed.
• The transaction is canceled or times out before completion.

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When waiting for a fallback card swipe:
• If an EMV card is inserted or tapped, fallback processing must be canceled and the
transaction must be processed as an EMV transaction.
• If the swiped card does not have a service code of ‘2xx’ or ‘6xx’, fallback processing must
be canceled and the transaction must be processed as a regular magstripe transaction.

REQUIREMENT

For fallback transactions, EMV solutions must set the appropriate fallback indicators
in the authorization request message and must otherwise process the transaction as
a standard magnetic stripe transaction.

7.3.3 Application Selection
EMV chip cards are capable of running multiple payment applications. For example, a single
EMV card could be used to make payments from three different credit accounts, two different
debit accounts, two different gift card accounts, and one loyalty account.
Application Identifiers (AIDs) are used to identify and select the application to use, and the
terminal must be loaded with a list of supported AIDs. AIDs consist of three components:
Table 7-9 Application Selection
Component
Registered Application Identifier (RID)

Description
Each card brand has one or more RIDs
Example: A000000003 is VISA’s RID.

Proprietary Application Identifier
Extension (PIX)

Each card brand has one or more PIXs to represent a
particular payment application type.
Example: 1010 is VISA’s PIX for their global credit/debit
application.

Issuer Suffix

Trailing digits that may be added by the issuer, and must be
added if there are multiple applications on the card that
share the same RID and PIX.
Example: A000000003101001 for a VISA credit account
and A000000003101002 for a VISA debit account
on the same card.

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The terminal selects the appropriate application to use for the current transaction as follows:
1. The terminal builds a candidate list of mutually supported applications using one of two
methods:
Table 7-10 Supported Application Methods
Method

Description

Payment System Environment
(PSE) Method

The terminal sends a SELECT command to the card
requesting a file name of “1PAY.SYS.DDF01”, and if the card
supports PSE it will return a directory of supported
applications.

List of AIDs Method

It is recommended that the terminal always try the PSE
method first to increase transaction speed. If the card does
not support PSE, the terminal sends a SELECT command to
the card for each AID supported by the terminal to determine if
the card also supports the AID.

2. If there is more than one mutually supported application in the candidate list, the terminal
either automatically selects an application from the list based on predetermined preference
or displays the list to the cardholder for selection. If displaying the candidate list:
• Display the list in the order specified by the issuer in the Application Priority Indicator
(Tag ‘87’) if present, otherwise display in the order received from the card.
• Display the Application Preferred Name (Tag ‘9F12’) if present and if the Issuer Code
Table Index (Tag ‘9F11’) is present and supported by the terminal.
• Display the Application Label (Tag ‘50’) if present and the Application Preferred Name is
not present or cannot be displayed.
• Display a default application name assigned by the EMV POS Solution if the Application
Preferred Name and Application Label are not present or cannot be displayed.
3. If the terminal automatically selects an application, or if there is only one mutually
supported application in the candidate list, and the Application Priority Indicator (Tag ‘87’)
returned by the card indicates that use of the application must be confirmed, the terminal
must prompt the cardholder for confirmation.
4. The terminal sends a final SELECT command to the card to indicate the selected
application.
5. The card returns the Processing Options Data Object List (PDOL) for the selected
application.

REQUIREMENT

134

Partial selection must be supported for all AIDs. This ensures that all supported
applications are available for selection even if they contain an issuer assigned suffix at the
end of the AID.

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7.3.3.1 Available AIDs
The AIDs that may be available for selection on U.S.-issued cards include the following:

Global
PIN Debit

Global Credit/Debit

Name

AID

Description

American Express

A00000002501

Used for global credit transactions routed to American
Express on the credit rails.

Discover/Diners

A0000001523010

Used for global credit and signature debit transactions
routed to Discover on the credit rails.

Discover Zip

A0000003241010

Used for global legacy contactless magnetic stripe mode
credit transactions routed to Discover on the credit rails.

JCB

A0000000651010

Used for global credit transactions routed to Discover on the
credit rails.

MasterCard

A0000000041010

Used for global credit and signature debit transactions
routed to MasterCard on the credit rails.

VISA

A0000000031010

Used for global credit and signature debit transactions
routed to VISA on the credit rails.

VISA Electron

A0000000032010

Used for global credit and signature debit transactions
routed to VISA on the credit rails.

MasterCard Maestro

A0000000043060

Used for global PIN debit transactions routed to MasterCard
on the PIN debit rails.

VISA Interlink

A0000000033010

Used for global PIN debit transactions routed to VISA on the
PIN debit rails.

Debit Network Alliance
(DNA) Shared Debit

A0000006200620

Used for U.S. PIN debit transactions routed to any
participating U.S. debit network on the PIN debit rails.
Note: Not supported at this time.

U.S. Common Debit

Discover U.S. Common
Debit

A0000001524010

Used for U.S. PIN debit transactions routed to any
participating U.S. debit network on the PIN debit rails.
Can also be used for signature debit transactions routed to
Discover on the credit rails.
Note: Not supported for PIN debit at this time.

MasterCard U.S. Maestro

A0000000042203

Used for U.S. PIN debit transactions routed to any
participating U.S. debit network on the PIN debit rails.
Can also be used for signature debit transactions routed to
MasterCard on the credit rails.

VISA U.S. Common
Debit

A0000000980840

Used for U.S. PIN debit transactions routed to any
participating U.S. debit network on the PIN debit rails.
Can also be used for signature debit transactions routed to
VISA on the credit rails.

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7.3.3.2 Debit AIDs
The presence of both of the following data elements identifies the AID as relating to a debit or
prepaid program:
• ISSUER COUNTRY CODE (two digit alpha) (Tag ‘5F55’) with a value ‘5553’ (“US”)
• ISSUER IDENTIFICATION NUMBER (IIN) (Tag ‘42’)
If two or more AIDs have the same IIN, the terminal may assume they access the underlying
funding account and can eliminate all but one of the AIDs with the same IIN from the candidate
list. Which AIDs are eliminated in this case should be configurable. For example, a merchant
might specify their preference such that U.S. Common Debit AIDs will always remain in the
candidate list if present.
If two or more AIDs with different IINs or no specified IINs still remain in the candidate list after
eliminating AIDs with duplicate IINs, the EMV POS Solution must display the list the cardholder
for selection as described in the Application Selection section above.

7.3.4 Initiate Application Processing
Once an application has been selected, the terminal begins processing an EMV transaction with
the card as follows:
1. The terminal sets all the bits in the Transaction Status Information (TSI) and Terminal
Verification Results (TVR) to 0.
2. The terminal sends a GET PROCESSING OPTIONS command to the card to let it know
that the processing of a new transaction is beginning and to provide the card with the
terminal-related data requested by the card in the PDOL.
3. The card returns the Application Interchange Profile (AIP) and the Application File Locator
(AFL).
• The AIP specifies the functions supported by the card, such as offline data
authentication, cardholder verification, issuer authentication, etc.
• The AFL specifies the location of all the data that is relevant to the current transaction
that should be read by the terminal.

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7.3.5 Read Application Data
Once the application processing has begun and the terminal has received the AFL from the card,
it sends READ RECORD commands to the card to retrieve all of the TLV data objects specified in
the AFL.
If the following sensitive cardholder data is read from the card, it must not be included in
authorization request messages sent to the host:
• 57 – Track 2 Equivalent Data
• 5A – Application PAN
• 5F20 – Cardholder Name
• 5F24 – Application Expiration Date
• 99 – Transaction PIN Data
• 9F0B – Cardholder Name Extended
• 9F1F – Track 1 Discretionary Data
• 9F20 – Track 2 Discretionary Data

REQUIREMENT

Sensitive cardholder data objects must not be sent to the host in authorization or
settlement messages even if received from the card and terminal.

7.3.6 Offline Data Authentication
Once all of the application data has been read, if both the card and the terminal support Offline
Data Authentication, the terminal authenticates the legitimacy of the card.
Based on the AIP received from the card and the capabilities of the terminal, the most secure
mutually supported card authentication method is performed. The available methods from least
to most secure are as follows:
Table 7-11 Offline Data Authentication
Authentication Method

Description

Static Data Authentication (SDA)

The terminal uses a PKI and public key cryptography to authenticate
the digital signature of static data retrieved from the card.

Dynamic Data Authentication (DDA)

The terminal uses a PKI and public key cryptography to authenticate
the digital signature of dynamic data retrieved from the card.

Combined DDA / Application
Cryptogram Generation (CDA)

The terminal uses a PKI and public key cryptography to authenticate
the digital signature of dynamic data retrieved from the card which
includes the application cryptogram.

Bits in the Terminal Verification Results (TVR) are set based on the outcome of the Offline Data
Authentication step.

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7.3.7 Processing Restrictions
Once the card has been legitimized, the terminal determines the degree of compatibility with the
card by performing the following checks:
Table 7-12 Processing Restrictions
Restriction

Description

Application Version Number

Is the version of the card application supported by terminal?

Application Usage Control

Is the card allowed for the transaction, e.g. is a domestic,
international, or cashback transaction allowed?

Application Effective/Expiration Dates

Is the card application not yet effective or already expired?

Bits in the TVR are set based on the outcome of the Processing Restrictions step.

7.3.8 Cardholder Verification
Once the processing restrictions have been analyzed, the terminal processes the Cardholder
Verification Method (CVM) list returned by the card and attempts to perform the first CVM in the
list that is also supported by the terminal. The following CVMs are supported by EMV cards:
Table 7-13 Cardholder Verification
Verification Method

138

Description

Signature

This method prompts the cardholder to provide a signature that
must match the signature on the back of the card.

Online Enciphered PIN

This method requires the cardholder to enter a PIN that is
encrypted at the PIN entry device before being sent to Heartland
(and subsequently out to the issuer) for validation.

Offline Enciphered PIN

This method requires the cardholder to enter a PIN that is
encrypted at the PIN entry device before being sent to the chip
card for validation.

Offline Enciphered PIN and Signature

This method requires the cardholder to enter a PIN that is
encrypted at the PIN entry device before being sent to the chip
card for validation, and that the cardholder provide a signature
that must match the signature on the back of the card.

Offline Plaintext PIN

This method requires the cardholder to enter a PIN that is not
encrypted before being sent to the chip card for validation.

Offline Plaintext PIN and Signature

This method requires the cardholder to enter a PIN that is not
encrypted before being sent to the chip card for validation, and
that the cardholder provide a signature that must match the
signature on the back of the card.

No CVM Required

This method requires no checks to verify the cardholder.

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Bits in the TVR are set based on the outcome of the Cardholder Verification step.

REQUIREMENT

The U.S. Common Debit AIDs support Online PIN and No CVM. If Online PIN is obtained,
the transaction must be sent as a PIN debit transaction. If the CVM result is No CVM due
to PIN bypass, the transaction must be sent as a credit (i.e. signature debit) transaction,
and a signature must be obtained unless the transaction qualifies as a no signature
required transaction.

7.3.8.1 PIN Support
From a security and fraud liability standpoint, it is typically in the best interest of the merchant
and cardholder that PIN be prompted and entered if the card is a PIN-preferring card, but there
are circumstances under which PIN entry may be avoided or skipped:
Table 7-14 PIN Support
PIN Support

Description

PIN Disablement

If PIN entry is not feasible because the merchant does not have a customer
facing PIN pad, then all the PIN CVMs should be disabled on the terminal so
that it does not prompt for PIN. In order to deploy this “No PIN” kernel
configuration, it would need to have EMVCo Level 2 approval, and it would
have to be certified with the card brands. If this functionality is supported, PIN
entry is typically enabled/disabled via parameter setting.

PIN Entry Bypass

This is the EMVCo defined process where the terminal prompts for PIN, but at
the direction of the merchant or cardholder the PIN is bypassed and not
entered. In this case, the ‘PIN entry required, PIN pad present, but PIN was not
entered’ bit in the TVR is set to 1, which the Issuer may consider when making
its authorization decision. If this functionality is supported, PIN bypass is
typically enabled/disabled via parameter setting.

PIN Prompt Bypass

This is typically used for small ticket VEPS/QPS transactions where no CVM is
required. The terminal must have a selectable kernel where it can automatically
switch to a “No CVM” configuration if the amount is under the limit. If this
functionality is supported, the CVM required limit is typically specified per card
brand or AID via parameter settings. PIN Prompt Bypass could also be invoked
at the direction of the merchant or cardholder by pressing a “Credit” or
“Signature” button on the terminal.

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7.3.9 Terminal Risk Management
Once the cardholder has been verified, the terminal performs the following steps to protect the
acquirer, issuer, and system from fraud:
Table 7-15 Terminal Risk Management
Risk Management

Description

Floor limit Checking

Transactions over the floor limit should be sent to host for online
authorization.

Random transaction Selection

A certain percentage of transactions under the floor limit (which are
normally eligible for offline authorization by terminal and card) should
be randomly selected to go online.

Velocity Checking

After a certain number of consecutive offline transactions are
performed using a particular card, the next transaction using that card
should go online.

Bits in the TVR are set based on the outcome of the Terminal Risk Management step.

7.3.10 Terminal Action Analysis
Once the terminal has completed the previous 4 steps and has set the appropriate bits in the
TVR accordingly, the terminal makes the initial decision as to the disposition of the transaction
based on a bit-by-bit comparison of the TVR with the Terminal Action Codes (TACs) and Issuer
Action Codes (IACs), and sends a GENERATE APPLICATION CRYPTOGRAM (AC) command
to card accordingly:
Table 7-16 Terminal Action Analysis
Scenario

Terminal Action

For each bit in the TVR set to 1,
If the corresponding bit in the
IAC-Denial or TAC-Denial is set to 1,

It indicates that the issuer or acquirer wishes the transaction to be
rejected offline without attempt to go online.
The terminal requests an Application Authorization Cryptogram
(AAC) in this case.

If the corresponding bit in the
IAC-Online or TAC-Online is set to 1,

It indicates that the issuer or acquirer wishes the transaction to be
completed online.
The terminal requests an Authorization Request Cryptogram
(ARQC) in this case.

If the corresponding bit in the
IAC-Default or TAC-Default is set to 1,

It indicates that the issuer or acquirer wishes the transaction to be
rejected offline if it might have been approved online but the
terminal is for any reason unable to process the transaction online.
The terminal requests an AAC in this case.

If there are no corresponding bits in
the TVR set to 1,

140

The terminal may request an ARQC or Transaction Certificate (TC)
depending on the other circumstances of the transaction.

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7.3.11 Card Action Analysis
Once the terminal has made its initial decision, the card makes the final decision as to the
disposition of the transaction based on the issuer’s proprietary card risk management criteria and
responds to the GENERATE AC command accordingly:
• Returns a TC to approve the transaction offline. This option is not available to the card if
the terminal has made a preliminary decision to reject the transaction or complete it online.
• Returns an ARQC to complete the transaction online. This option is not available to the
card if the terminal has made a preliminary decision to reject the transaction.
• Returns an AAC to reject the transaction.
Note: If the card returns a TC or AAC cryptogram, the transaction is complete and the remaining
steps are not performed. If the card returns a TC to approve the transaction offline, the
terminal must ensure that the offline approval is sent to the host for settlement.

7.3.12 Online Processing
Once the card has made its final decision, the terminal goes online for processing if the card
returns an ARQC cryptogram in response to the first GENERATE AC command.
Online processing is performed to ensure that the issuer can review and authorize or reject
transactions that are outside acceptable limits of risk defined by the issuer, the payment system,
or the acquirer.
In general, online processing of EMV transactions is the same as online processing of magstripe
transactions except for the addition of the ARQC cryptogram and other chip card data sent in the
request, and the Authorization Response Cryptogram (ARPC), issuer scripts, and other chip card
data that may be received in the response.

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7.3.12.1 Offline Authorization
If the card returns an ARQC to go online but the issuer cannot be reached, the merchant may
elect to inform that card that it cannot go online and ask for an offline approval. This is typically
accomplished by setting the Authorisation Response Code to Y3, although there may some other
way to indicate this desire based on your terminal’s specific API/SDK. The terminal will perform
the Completion step below.
If the card returns a TC cryptogram, the transaction is offline approved and the terminal must
ensure that the offline approval is sent to the host for settlement. No additional store-and-forward
or stand-in processing is required. If the card returns an AAC cryptogram, the transaction is not
offline approved and the merchant may elect to proceed with the store-and forward or stand-in
processing as described below.

7.3.12.2 Deferred Authorization (Store-and-Forward)
If the card returns an ARQC to go online but the issuer cannot be reached, the merchant may
elect to store the transaction and submit it later for authorization. The merchant does so at their
own risk as the transaction may be later declined, ask your merchants if they want to support this
functionality.
It is recommended that the Offline Authorization step above be performed first to see if the card
will approve offline. However, if the merchant does not support offline authorizations or if the card
returns an AAC cryptogram indicating that it is unwilling to approve offline, the following
store-and-forward process may be followed:
1. The terminal stores the transaction details including the original ARQC cryptogram and
associated chip data.
2. Later, the terminal uploads its batch of authorization requests that include the ARQCs.
3. The acquirer submits the authorization requests, most of which are approved online.
4. Repeated attempts at authorization for declined transactions are permitted, but declined
transactions must eventually be discarded.
5. The acquirer submits a clearing record for each approved transaction, using the ARQC for
online approved transactions and the authorization response code returned in the
authorization response.

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7.3.12.3 Forced Acceptance (Stand-In)
If the card returns an ARQC to go online but the issuer cannot be reached, the merchant may
elect to stand-in for the transaction and submit it for settlement. The merchant does so at their
own risk as the transaction may not clear or may incur a chargeback due to no authorization, ask
your merchants if they want to support this functionality.
It is recommended that the Offline Authorization step above be performed first to see if the card
will approve offline. However, if the merchant does not support offline authorizations or if the card
returns an AAC cryptogram indicating that it is unwilling to approve offline, the following stand-in
process may be followed:
1. Check if the transaction amount is below the Stand-in Floor Limit for this card type.
Proceed if the transaction amount is below the Stand-in Floor Limit; otherwise, do not
stand-in.
2. Check if the card is domestic (i.e., U.S.-issued). This can be determined by ensuring that
the Issuer Country Code (Tag 5F28) = “840”. International cards pose a higher risk and
should not be approved via stand-in authorization. Proceed if card is domestic; otherwise,
do not stand-in.
3. Apply the TVR Mask to the transaction’s Terminal Verification Results (Tag 95) value. If
any of the bits in the TVR match the corresponding bits in the TVR Mask, then a condition
exists that indicates the transaction should not be approved via stand-in authorization. The
recommended TVR Mask is “FC 50 FC 20 00” which means that if any of the following
conditions exists, the transaction should not be approved via stand-in authorization:
Byte

Bit

Value

1

8

Offline data authentication was not performed

1

7

SDA failed

1

6

ICC data missing

1

5

Card appears on terminal exception file

1

4

DDA failed

1

3

CDA failed

2

7

Expired application

2

5

Application not yet effective

3

8

Requested service not allowed for card product

3

7

Unrecognized CVM

3

6

PIN Try Limit exceeded

3

5

PIN entry required and PIN pad not present or not working

3

4

PIN entry required, PIN pad present, but PIN was not entered

3

3

Online PIN entered

4

6

Upper consecutive offline limit exceeded

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Proceed if a bitwise AND of the TVR and TVR Mask bits are all zero; otherwise, do not
approve the transaction.
4. Use the TSI Mask and the transaction’s Transaction Status Indicator (Tag ‘9B’) value to
check that the required EMV transaction steps were performed. If any of the bits in the TSI
are zero in the corresponding bits of the TSI Mask, then a required EMV transaction step
was not performed. The recommended TSI Mask is “E8 00” which means that the following
transaction steps were performed:
Byte

Bit

Value

1

8

Offline data authentication was performed

1

7

Cardholder verification was performed

1

6

Card risk management was performed

1

4

Terminal risk management was performed

Proceed if a bitwise AND of the TSI and TSI Mask equals the TSI Mask; otherwise, do not
approve the transaction.
5. If all of the above steps pass, approve the transaction and submit it for settlement;
otherwise, decline the transaction and/or proceed with Voice Authorization.

7.3.13 Issuer Authentication
The authorization response message from the issuer may contain Issuer Authentication Data
(Tag ‘91’), which contains the ARPC.
If the Issuer Authentication Data is received in the authorization response message and the AIP
indicates that card supports issuer authentication, the Issuer Authentication Data is sent to card
in the EXTERNAL AUTHENTICATE command.
Bits in the TVR are set based on outcome of issuer authentication.

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7.3.14 Issuer-to-Card Script Processing
The issuer may provide command scripts to be delivered to the card by the terminal to perform
functions that are not necessarily relevant to the current transaction but are important for
continued functioning of the card application.
Multiple scripts may be provided with an authorization response and each may contain any
number of Issuer Script Commands.
Two separate script tags are available for use by the issuer.
• Issuer scripts with Tag ‘71’ are processed prior to issuing the final GENERATE AC
command.
• Issuer scripts with Tag ‘72’ are processed after issuing the final GENERATE AC command.
Bits in the TVR are set based on outcome of issuer-to-card script processing and Issuer Script
Results are made available for sending for reversals or settlement.

REQUIREMENT

If issuer scripts are received in the host response, they must be processed whether the
transaction was approved or declined.

7.3.15 Completion
Whether the terminal receives an authorization response message as a result of online
processing or whether it receives an approval or rejection for a transaction that was unable to go
online based on TAC/IAC-Default, it completes the transaction by requesting either a TC (if an
approval was obtained), or an AAC (if the issuer’s instruction is to reject the transaction) from the
card by a second GENERATE AC command.
The Authorization Response Code (Tag ‘8A’) should be set by the terminal based on the online or
offline disposition as follows:
Table 7-17 Online or Offline Disposition
Disposition

ASCII

Hex

Notes

Online
approved

“00”

‘3030’

Should be sent to card at 2nd GENERATE AC if the host response code
indicates any approval, including partial approvals or card verifications.

Online declined

“05”

‘3035’

Should be sent to card at 2nd GENERATE AC if the host response code
indicates any decline, i.e. anything that is not an approval. Also used if a
partial approval from the host is rejected at the terminal.

Offline
approved

“Y1”

‘5931’

Should be sent to host in offline approval advice if the card approves
offline at 1st GENERATE AC before attempt to go online.

Offline declined

“Z1”

‘5A31’

Should be sent to host in offline decline advice if card declines offline at
1st GENERATE AC before attempt to go online, or at 2nd GENERATE
AC due to bad ARPC cryptogram.

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Table 7-17 Online or Offline Disposition (Continued)
Disposition

ASCII

Hex

Notes

Unable to go
online, offline
approved

“Y3”

‘5933’

Should be sent to card at 2nd GENERATE AC to request offline approval
after failed attempt to go online. Should be sent to host in offline
approval advice if the card approves offline at 2nd GENERATE AC.

Unable to go
online, offline
declined

“Z3”

‘5A33’

Should be sent to host in offline decline advice if the card declines offline
at 2nd GENERATE AC after failed attempt to go online and the
transaction is not eligible for store-and-forward or stand-in processing.

The card will respond to the 2nd GENERATE AC command as follows:
• If a TC was requested, the card returns either a TC or an AAC.
• If an AAC was requested, the card returns an AAC.

REQUIREMENT

The Authorisation Response Code (Tag ‘8A’) is not returned by the issuer or card brands,
and thus is not included in the authorization response message from the host. The terminal
must set Tag ‘8A’ based on the disposition of the transaction, whether online or offline.

7.3.16 Card Removal
When the transaction flow is complete, the cardholder should be prompted to remove their card
before receipts are printed. It is recommended that the terminal also beep at regular intervals
until the card is removed as an audible reminder to the cardholder to remove their card.

REQUIREMENT

If the card is removed prematurely before transaction flow completion, the transaction
must be canceled, and if the transaction was approved online a reversal must be sent.

7.4 Contactless Transaction Flow
The major difference between EMV contactless transactions and EMV contact transactions is
transaction speed. The information transmitted between the chip card and POS terminal is done
in a more succinct manner and many of the transaction flow steps are performed either before or
after the card leaves the proximity of the reader. See Figure 7-2.

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Contactless Card

Contactless Reader
Preprocessing Prior to Enabling the
Contactless Interface

Pre-Transaction Processing
Contactless Interface Enabled,
Discovery Processing
Card Presented for POS Payment

Application Selection

Card in
RF Field

Initiate Application
Processing

Read Application Data

List of Supported Applications

SELECT PPSE
Command Response,
SELECT AID
Command Response

Determine Path,
Perform Card Action,
Analysis,
Perform Cryptography,
Return Application Data

GET PROCESSING OPTIONS
Command Response

Provide Application Records

Read Application Data

Card May Be Removed From RF Field
Card Read Complete

Processing Restrictions

Offline Data Authentication
Transaction Processing
Cardholder Verification

Online Processing

Completion
Card Represented for Issuer Update Processing (Optional)

Card in
RF Field
(Optional)

Issuer Update Processing

Validate ARPC Cryptogram and/or
Apply Issuer Script

EXTERNAL AUTHENTICATE
Command Response,
ISSUER CARD SCRIPT
Command Response

Post-Transaction Processing

Terminal prints receipt

Figure 7-2 Contactless Transaction Flow

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The focus of the following sections is to highlight some of the specific differences from the
contact EMV flow. A summary of the differences is as follows:
Table 7-18 Contact EMV Flow Differences
Step Name

Description

Application Selection

The highest priority mutually supported application is automatically
selected by the contactless card reader.

Initiate Application Processing

This step includes the Terminal Risk Management, Terminal Action
Analysis, and Card Action Analysis processing.

Read Application Data

The chip card may be removed from the proximity of the reader
after this step.

Cardholder Verification

The offline enciphered/plaintext PIN CVMs are not supported for
contactless transactions.

Issuer Update Processing

This is an optional step that encompasses the Issuer
Authentication and Issuer-to-Card Script processing, and would
require re-presentment of the card into the proximity of the reader.
This is currently not supported.

7.4.1 Pre-Processing
To minimize the duration in which the card must remain within the reader’s radio frequency (RF)
field, the reader may obtain the transaction amount and perform some risk management checks
prior to prompting for card presentment. This pre-processing is performed prior to powering on
the contactless interface.

7.4.2 Discovery Processing
Discovery Processing is performed by the reader to poll for the presence of contactless cards
that may have entered the reader’s Radio Frequency (RF) field.

7.4.3 Application Selection
Similar to contact EMV, but the terminal builds a candidate list of mutually supported applications
using the mandatory Proximity Payment System Environment (PPSE) method, whereby the
terminal sends a SELECT command to the card and the card returns a directory of supported
applications. The List of AIDs method is not used for contactless.
If there is more than one mutually supported application in the candidate list, the terminal
automatically selects an application from the list based on predetermined preference, which may
be to choose the application of highest priority according the Application Priority Indicator (Tag
‘87’) returned by the card.

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7.4.4 Initiate Application Processing
This step includes:
• Path Determination
• Terminal Risk Management
• Terminal Action Analysis
• Card Action Analysis

7.4.4.1 Path Determination
The contactless path(s) that are mutually supported by the card and reader are determined and a
contactless path (EMV mode or magstripe mode) is chosen to process the transaction.
Subsequent transaction processing is performed according to the requirements of the
contactless path chosen.

7.4.4.2 Terminal Risk Management
Similar to contact EMV, but only floor limit checking is performed for contactless transactions.
Random transaction selection and velocity checking is not performed for contactless
transactions.

7.4.4.3 Terminal Action Analysis
Same as contact EMV, except that the TACs and IACs may be different for contactless.

7.4.4.4 Card Action Analysis
Same as contact EMV.

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7.4.5 Read Application Data
Same as contact EMV.

7.4.6 Card Read Complete
The card may be removed from the reader’s RF field at this point. The reader determines
whether all mandatory data elements for the transaction were returned by the card, and
terminates the transaction if they were not.
All of the remaining steps are performed after the card has left the proximity of the reader.

7.4.7 Processing Restrictions
Same as contact EMV.

7.4.8 Offline Data Authentication
Similar to contact EMV, but with some variances. For example, Visa uses Fast Dynamic Data
Authentication (fDDA) and MasterCard does not support SDA or DDA for contactless.

7.4.9 Cardholder Verification
Similar to contact EMV, but the offline enciphered/plaintext CVMs are not supported for
contactless. In addition, contactless includes support for a new CVM which occurs on a separate
device such as a mobile phone that is used to emulate a contactless card.
Each card brand has a different term for this new CVM:
Table 7-19 Card Verification
Card Brand

150

Description

VISA

Consumer Device CVM

MasterCard

On Device CVM

American Express

Mobile CVM

Discover

Confirmation Code (Mobile) CVM

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7.4.10 Online Processing
Same as contact EMV.

7.4.11 Completion
Similar to contact EMV, except that there is no request for a TC or AAC after online processing
since the card has already been removed from the proximity of the reader.

7.4.12 Issuer Update Processing
This optional step to validate the ARPC cryptogram and apply issuer scripts to the card would
require re-presentment of the card into the proximity of the reader and is not currently supported
by most cards or readers.

7.5 EMV Receipts
7.5.1 Approval Receipts
In addition to the magstripe receipt requirements, the following additional items must be included
on EMV receipts:
Table 7-20 Receipt Requirements
Receipt Item

Description

APPLICATION NAME

Use Application Preferred Name (Tag ‘9F12’) if available and printer supports
the corresponding character set as specified in Issuer Code Table Index (Tag
‘9F11’), else use Application Label (Tag ‘50’).

APPLICATION IDENTIFIER
(AID)

Use Tag ‘4F’ if available, else Tag ‘84’ if available, else Tag ‘9F06’.

APPLICATION CRYPTOGRAM
TYPE

Use “ARQC”, “TC”, or “AAC” based on the final cryptogram generated for the
transaction.

APPLICATION CRYPTOGRAM

Contents of Tag ‘9F26’ for the final cryptogram generated for the transaction.

CARDHOLDER VERIFICATION
METHOD (CVM)

Based on the CVM Results (Tag ‘9F34’), either print a signature line, “PIN
VERIFIED”, and/or “NO SIGNATURE REQUIRED”. If the CVM Results indicate
a failure, or “No CVM Required” when that was not the expected result, a
signature line should be printed.

CARD ENTRY METHOD

Use “INSERT”, “TAP”, “SWIPE”, “MANUAL”, or equivalent text based on the
source of the card data.

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Figure 7-3 EMV Receipt Example

7.5.2 Decline Receipts
There are no card brand requirements to print decline receipts and no requirements for EMV
information that should be included on such receipts. Heartland has an Offline Decline Advice
message for capturing EMV decline data, so a detailed decline receipt is unnecessary.
If you choose to print decline receipts, then, in addition to the information required on approval
receipts, it is recommended that the following tags be printed if available:
• TERMINAL VERIFICATION RESULTS (Tag ‘95’)
• CVM RESULTS (Tag ‘9F34’)
• ISSUER ACTION CODE (IAC) – DENIAL (Tag ‘9F0E’)
• ISSUER APPLICATION DATA (Tag ‘9F10’)

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8: EMV Parameter Interface

Chapter 8: EMV Parameter Interface
8.1 Introduction
A table-driven EMV Parameter Data Load (EMV PDL) is available and required for all terminals
processing EMV transactions. These tables consist of various terminal capabilities, supported
applications and keys used for processing EMV. The Heartland network will maintain five Tables
of EMV PDL information:
Table 8-1 EMV PDL Tables
Table-ID

Description

Table-ID 10

EMV Table-ID Versions and Flags for Data Tables

Table-ID 30

Terminal Data

Table-ID 40

Contact Card Data

Table-ID 50

Contactless Card Data

Table-ID 60

Public Key Data

The network will relay to the POS which table data it needs to download by sending Table
Versions and Flags to it in Table-ID 10.
Note: A Table Version of ### and Flag of @ indicate that the table is not applicable to the POS
terminal and that the table must not be requested by the POS terminal.
The EMV PDL system was designed to maintain a specific set of data for each EMV card
acceptance device based on the particular certified configuration of that device being utilized by
the merchant. The data set is linked to the following identifiers:
Platform

Merchant/Company ID

Location/Unit ID

Terminal/Device ID

Exchange/Portico

12-digit Merchant ID Number

N/A

4-digit Terminal Number

NWS

4-char Company ID

15-char Terminal Location ID

4-char Unique Device ID

VAPS

4-digit Company Number

11-digit Unit Number

2-digit Terminal ID

In practice, a merchant location could have multiple devices that are the same and are using the
same certified configuration, so it is not necessary to request an EMV PDL for each of these
devices.
For example, a site may be able to set up one PDL for the inside terminals and one PDL for the
outside terminals and the POS controller/aggregator could pull those two PDLs from the host and
subsequently push the data out to all the devices as appropriate.

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The approach for sending EMV PDLs to each device or groups of devices must be managed by
the customer working with Heartland.

8.2 Exchange
EMV Parameter Download Notification is indicated when Group III Version 090 contains a value
of Y. After the EMV Parameter Download Notification is received by the POS Terminal, an EMV
Parameter Download request should be sent after the current batch is closed. The EMV
Parameter Download Notification Request (Transaction Code = EP) with Group III Version 091
containing the following values:
• PDL-EMV Parameter Type = 06
• PDL-EMV Table ID field = 10
• PDL-EMV Card Type = space-filled
• PDL-EMV Parameter Version = 001
• PDL-EMV Block Sequence Number = 00
The response for Table-ID 10 will contain the latest version number and the download flag for
Table-ID 30, 40, 50 and 60.

8.3 POS 8583
The EMV Parameter Download Notification is sent in a response message in DE 48.12
(Administratively Directed Task) with a value of 3. After the EMV Parameter Download
Notification is received by the POS Terminal, an EMV Parameter Download request should be
sent after the current batch is closed. The EMV Parameter Download Request (MTI = 1300, DE
24 = 304, DE 25 = 3718, DE 72.1 = EPDL) including the following values:
• PDL-EMV Parameter Type = 06
• PDL-EMV Table ID field = 10
• PDL-EMV Card Type = space-filled
• PDL-EMV Parameter Version = 001
• PDL-EMV Block Sequence Number = 00
The response for Table-ID 10 will contain the latest version number and the download flag for
Table-ID 30, 40, 50 and 60.

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8.4 NTS
• Terminal will receive notification of a pending EMV PDL via a value of 3 in the PENDING
REQUEST INDICATOR field of a Host authorization response.
• Terminal must send a MESSAGE CODE 21, with an EMV PDL PARAMETER TYPE of 06
to request EMV download information.
• Terminal must send a MESSAGE CODE 21, with an EMV PDL PARAMETER TYPE of 07
to confirm receipt of each complete EMV table.

8.5 Z01
• Terminal will receive notification of a pending EMV PDL via a value of E in the MULTIPLE
INQUIRY FLAG of a Host authorization response (Z01 06 and Z01 14 response maps
only).
• Terminal must send an EMV PDL Request format with RESPONSE FORMAT CODE of E1,
REQUEST FORMAT CODE of E1, TRANSACTION TYPE 80 and EMV PDL PARAMETER
TYPE of 06 to request EMV download information.
• Terminal must send an EMV PDL Request format with RESPONSE FORMAT CODE of E1,
REQUEST FORMAT CODE of E1, TRANSACTION TYPE 80 and EMV PDL PARAMETER
TYPE of 07 to confirm receipt of each complete EMV table.

8.6 Portico
EMV Parameter Download Notification is indicated in the response Header of the following
Portico Transaction Services. The notification will be included in the response Header once per
day until the download is confirmed or the download flag is reset in the parameter download
system.
• CreditAdditionalAuth
• CreditAccountVerify
• CreditIncrementalAuth
• DebitSale
• CreditAuth
• CreditSale
Parameter Downloads may be retrieved and confirmed through the Portico
“ParameterDownload” service. See the Portico SDK for additional information.

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8.7 SpiDr
A POS terminal performs an EMV Parameter Data Load after receiving notification, DE 48~12
Administratively Directed Task, in a response message.
The EMV Parameter Data Load request is sent after a batch close in a file download request
message (MTI = 1300, DE 24 = 304, DE 25 = 3718) with the following values:
• PDL-EMV Parameter Type = 06
• PDL-EMV Table ID field = 10
• PDL-EMV Card Type = space-filled
• PDL-EMV Parameter Version = space-filled
• PDL-EMV Block Sequence Number = 00
The response for table 10 will contain the latest version number and the download flag for tables
30, 40, 50 and 60.
• A PDL-EMV Table ID Flag value of Y will direct the POS to request the data for that table in
a subsequent PDL request.
• A PDL-EMV Table ID Flag value of N indicates that the table is utilized by the POS
terminal, but there is no new data to download at this time.
The POS terminal sends a request for each Table-ID with a Flag value of Y using the indicated
PDL-EMV Table Version and PDL-EMV Card Type values.
Some of the tables must be downloaded in multiple blocks, and the POS must keep track of the
Block Sequence Number it needs and increment it appropriately until all blocks are successfully
received. When the POS receives a PDL-EMV End-Of-Table Flag of Y, it sends a PDL-EMV
Parameter Type of 07 to confirm receipt of that table.
Use the SpiDr transaction type PDL.

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A: Card Association BIN Ranges

Appendices
This Appendix contains the following:
• Appendix A: Card Association BIN Ranges, pg. 157
• Appendix B: Industry Codes, pg. 250
• Appendix C: Receipt Requirements, pg. 289
• Appendix D: State Codes / Region Codes, pg. 292
• Appendix E: EMV Field Definitions, pg. 295
• Appendix F: EMV PDL Data Examples, pg. 320
• Appendix G: Glossary, pg. 364
• Appendix H: Revision History, pg. 388

Appendix A: Card Association BIN Ranges
Note: BIN ranges are subject to change without notice. The following lists represent the ranges
available at publication time.
• A.1 VISA BIN Ranges, pg. 158
• A.2 MasterCard BIN Ranges, pg. 235
• A.3 American Express BIN Ranges, pg. 243
• A.4 Discover IIN Ranges, pg. 244
• A.5 PayPal IIN Ranges, pg. 244
• A.6 Fleet Card BIN Ranges, pg. 245
• A.7 Stored Value Solutions (SVS) BIN Ranges, pg. 246
• A.8 Centego Prepaid BIN Ranges, pg. 247
• A.9 Drop Tank, pg. 247
• A.10 Debit BIN Ranges, pg. 247
• A.10 Debit BIN Ranges, pg. 247
• A.11 EBT BIN Ranges, pg. 247

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A.1 VISA BIN Ranges
All VISA cards fall in BIN ranges 4XXXXX–4XXXXX.
The following VISA Purchasing, VISA Fleet, VISA Corporate or Business, and VISA Readylink
BIN ranges are subsets of the VISA card BIN range.
• A.1.1 VISA Purchasing BIN Ranges, pg. 158
• A.1.2 VISA Fleet BIN Ranges, pg. 161
• A.1.3 VISA Corporate or Business BIN Ranges, pg. 162
• A.1.4 VISA ReadyLink BIN Ranges, pg. 229

A.1.1 VISA Purchasing BIN Ranges
Table A-1 VISA Purchasing BIN Ranges
Account Length up to 19
405607
415928
418308
424604
427533
430736
433085
434868–434873
443085
448410
448419
448421
448452
448461–448462
448469
448483
448485–448486
448489
448491
448499–448501
448506–448507

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Table A-1 VISA Purchasing BIN Ranges (Continued)
Account Length up to 19
448515
448517
448524
448535
448546
448548
448557
448559–448560
448562
448564–448565
448569
448598
448600–448604
448606–448607
448609
448620–448622
448626
448672–448673
448676–448679
448692–448693
452072
461422
461426–461429
461431
461437
461470–461471
461481
461487–461488
461490
471500
471503
471508
471511
471515–471516

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Table A-1 VISA Purchasing BIN Ranges (Continued)
Account Length up to 19
471522
471524–471526
471529
471539
471545–471546
471552–471553
471556
471563–471564
471569
471573
471575
471578
471586
471592
471596
471630
471640
480406–480408
480411–480413
480420–480421
480423–480424
480439
480452
480455
480458
480470
480722–480723
480725
480824
485901
485910
485915
485948
485983

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A: Card Association BIN Ranges

Table A-1 VISA Purchasing BIN Ranges (Continued)
Account Length up to 19
485986
485997
485999
486509
486511–486512
486516–486517
486521–486523
486524–486528
486535
486550–486552
486554–486555
486560
486576
486580
486583
486588–486591
486640
486670
486690
489629

A.1.2 VISA Fleet BIN Ranges
Table A-2 VISA Fleet BIN Ranges
Account Length up to 19
448460–448611
448613–448615
448617–448674
448676–448686
448688-448699
461400–461499
480700–480899

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A.1.3 VISA Corporate or Business BIN Ranges
Table A-3 VISA Corporate or Business BIN Ranges
Account Length up to 19
400137
400157
400180
400229
400255
400266
400275
400294
400337–400338
400345
400365–400368
400371
400374–40375
400379–40038
400382–40383
400387
400390
400398
400611
400664
400755–400756
400759
400772
400774
400776–400778
400781
400783–400784
400786–400787
400813
400824
400848
400872–400873

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
400930–400931
400983
400988
401138
401156
401315–401316
401338
401340
401376
401386–401388
401600
401617
401620–401621
401633–401634
401747–401748
401806
401854
401867
401903
401906
401922
401925
401943
401947
401958
401962–401963
401966
401991
401994
402019
402053
402082
402085
402089

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
402099
402102
402309
402416
402441–402452
402463
402465–402467
402469
402471
402480
402492
402495
402819
402834
402879
402884
403146
403154
403270
403289
403298
403300
403302
403411
403424
403486–403497
403574
403607
403622–403623
403634
403639
403646–403647
403684
403706

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
403716
403939
404043
404061–404062
404063
404076
404079–404080
404085
404092
404223
404300
404514
404544
404570
404601–404602
404658
404669
404687
404697
404804
404956
404958
404975
404982
404984
404993
404996
405034
405046
405048
405075
405079
405219
405301

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
405304
405322
405336
405345
405351
405383–405384
405403
405426
405429
405432
405467
405469
405589
405593
405616
405710
405716
405718
405723
405729–405730
405800
405983
406031
406044
406050
406064
406066
406085
406630
406640
406875–406876
406879
406885
406888

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
406890
406892–406893
407070
407109
407201
407207
407210
407226
407239
407250
407335
407818
407821
407918
407922
407936–407937
407946–407948
407950
408014
408044
408058
408081
408083–408084
408090
408094
408097
408116
408119
408141–408143
408175
408184
408190
408508
408525–408528

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
408537
408540
408555
408564
408592
408600
409116
409158–409159
409198
409214
409379
409479
409759
409914
409938
409951
409955
409982
410103
410108
410117
410119
410252
410257–410258
410260
410267
410270–410274
410277
410281
410294
410400–410401
410447
410450
410460

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
410474
410601
410878
410880
410882
410893
410899
411103
411110
411113
411115–411116
411122
411125–411126
411129
411204
411248
411280
411352
411373
411376
411381
411389–411390
411408
411414
411458
411474–411475
411503
411507
411564
411803
411917
411920
412001
412056–412057

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
412064
412107
412120
412154
412167
412173
412178
412190
412192
412228–412229
412236
412248
412253
412271–412273
412297
412299
412418
412448
412628
412631
412635
412645
412662
412664–412665
412672
412677
412687
412694–412695
412698
412713
412900
412914
412935
413083

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
413111
413120
413122
413124
413127
413136
413138–413139
413149
413158
413247–413248
413372
413433
413485
413497
413556
413571–413580
413731
413765
413783
413905
413933
413954
414008
414016
414058
414062
414066
414096
414117
414121–414123
414131–414132
414200
414245
414248

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
414311
414317–414318
414324
414428–414430
414437–414439
414460
414472
414512
414519
414527
414540
414548
414552
414569
414573
414576–414578
414589
414597
414898
414981
415089
415093
415101
415110
415222
415228
415245
415251
415284–415285
415392
415411
415417
415424
415443

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
415453
415456
415459
415487–415488
415538
415542–415545
415587
415685
415782
415785
415835
415850–415851
415892
415911
415933
415980
415983
416058
416440
416459
416485
416504
416617–416618
416619
416625
416728
416760
416766
416769
416775
416780–416781
416783
416785
416789

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
416805
416823
416830
416840
416905–416907
416947
417008
417305
417707
417709
417804–417805
417813
417903
417908
417911
417931
417934
418000–418001
418010
418013
418017
418025
418027
418032
418035
418185
418187
418192
418198
418200–418202
418208–418209
418271–418273
418283
418289

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
418291
418301
418303–418304
418309
418406
418435
418447
418465
418524
418581
418623
418627
418630
418633
418640–418641
418644–418645
418648–418649
418656
418659
418663
418700–418701
418704
418707
418709
419051–419053
419056
419061
419069
419071–419074
419081
419094
419099
419200
419303

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
419310
419481
420007
420011
420039
420089
420655
420712
420738
420740–420741
420747
420749
420752
420754
420765
420781–420782
420936
420975
421032
421063
421071
421709
421713
421754
421786
422307
422322
422341
422383
422439
422493
422504
422510
422512

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
422514
422517
422519
422536
422547
422550
422558
422564
422569
422573
422625
422649
422740
422886
423100
423103–423104
423119
423130
423182–423183
423239
423242
423252
423254–423257
423259
423289
423343
423348
423352
423380
423399
423509
423542
423611
423655

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
423680
423694–423695
423778
423793
423825
423835
423842
423869
423884
423959
424162
424164
424253–424255
424506
424631
424636
424650
424662
424673
424690
424698
425001
425013
425017
425022
425029
425037
425115
425123–425124
425136
425204
425250
425253
425324

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
425351
425429
425637–425653
425702
425801
425809
425829
425831
425839
425907–425909
425909
425914
425925
425959
425962–425963
425964
425973
425988
426246
426266–426267
426270
426279
426407
426435
426497
426516
426520
426603
426627
426654
426691
426707
426715–426716
426719

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
426722
426751
426758
426771
426775–426777
426780
426783
426788–426789
426792
426950
427021
427026
427032
427048
427084
427152
427176
427186
427518
427524
427531–427532
427535
427545
427555–427556
427565
427580
427586
427722
427748
428045–428046
428048
428715
428731
428940

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
428974
428987
429120
429129
429131
429202–429206
429208–429211
429213
429215–429223
429228–429230
429234–429235
429237–429243
429249–429251
429253–429254
429256
429260–429262
429264–429265
429267
429272
429275–429277
429281–429283
429285
429287–429289
429291–429293
429295–429299
429374
429423
429456
429475
429537
429541
429546
429548
429822

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
429841
429844
429847
429856–429857
429859–429860
429862
429867
429884
429888–429889
429911
429975
429977–429978
429982
429984
429988
429997–429998
430055
430099
430211
430213–430214
430224
430331
430412
430649
430738
430741
430743
430750
430752
430755–430757
430780–430781
430784
430828
430847

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
430854
430862
430926
431011
431180
431183
431231
431241
431247
431447
431470
431536
431575
431577–431578
431598
431645
431656
431747
431779
431796
431805–431808
432016
432027
432426
432590
432615
432664
432693
432702
432723–432724
432732–432736
432771
432815
432841

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
432890
432894
432946
432953
432964
433040
433043
433050–433051
433053
433056
433069
433074
433076
433078
433080–433081
433093–433094
433099
433119
433127
433156–433158
433166
433202
433217
433225
433229–433230
433439
433522
433526
433681
433694
433818
433904
433993
433999

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
434012–434014
434016
434020
434025
434028
434030–434032
434034–434036
434042
434048
434124
434139
434142
434144
434171
434203
434228
434233
434248
434255
434271
434274–434275
434277
434280
434282
434313–434314
434329
434367
434378
434392–434393
434398
434628
434642
434801
434803

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
434809
434821–434822
434829
434853
434862
434875
434893
434898
435111
435123
435129
435131
435134
435145
435170–435171
435189
435194–435195
435200
435255
435266
435510–435518
435520–435529
435536–435540
435573–435575
435579
435582
435585–435588
435592
435596
435622
435632
435642
435656
435694

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
435760
435817
435823
435830
435843–435844
435851
435853
435856
435860
435873
435882
435893
435896
435898
435914
435940
435942
435944–435947
435948
435950
435962–435963
435964–435966
435968
435971
435986
435990
435992
435995
436104
436134
436155
436188
436190
436628–436629

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
436644
436647
436651–436655
436674
436691
436703
436707
436709
436721–436722
436725
436727
436756
436765
436864
436866–436868
436870–436871
436876
436880
436892–436894
437820
437824
437827
438441–438442
438683
438689
438699
438714
438732
438765–438766
438802
438831
438839
438842
438850

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
438863
438889
438950–438954
438974
439119
439337
439348
439366
439455–439456
439459
439790–439792
439794–439795
439799
439870
439882
439898
439914–433915
439917–439919
439966–439968
439977
439979
439982
439984
440021
440027
440101–440107
440109–440113
440115–440120
440134
440165–440168
440181
440186
440196
440249

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
440266
440442–440443
440497
440670
440702
440779
440887
441131
441137–441138
441201–441202
441205
441207
441212–441213
441215
441218
441222–441225
441229
441234
441245
441248–441249
441265
441268
441276
441291
441294
441300
441434
441499
441526
441603
441634–441635
441668
441673
441675

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
441688
441720
441822
441836
441859
441886
441893
441989
442033–442034
442047
442212
442256
442284
442313
442377
442405
442504
442514–442515
442627–442628
442632
442683
442704
442707–442709
442723
442732
442741–442742
442746
442754
442763
442776
442833
442852–442853
442865
442872–442873

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
442879
443016
443095
443109
443603
443692
443696
443831–443832
443836
443838
443850
443860
443902–443904
444203
444205–444206
444294
444324
444358
444389
444395
444526–444528
444540
444547
444549
444554
444557
444561
444600
444704
444712
444714–444715
444723
444725
444731

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
444736
444738
444740
444745
444751
444756–444757
444777
444791–444792
444794–444795
444809–444814
444928
444943
444959
444991
445116–445117
445166
445200
445313–445314
445318
445321
445323
445335
445352
445357
445363–445364
445371
445385
445389–445391
445394
445396
445422
445441
445450
445463

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
445603
445607
445643
445647
445713
445725
445750
445755
445758
445767
445963
446001
446056
446063
446084
446089
446108
446175
446400–446401
446409–446410
446413–446414
446461
446466–446467
446474–446475
446492
446495
446545
446547
446558
446736
446848
446871
447011
447017

194

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
447034
447092
447207
447241
447250
447256
447261
447428
447448
447619–447620
447716
447825
447827
447863–447864
448039
448049
448159
448179
448238
448734
448736
448779
448813–448814
448848
448854–448855
448864
448880
448897–448898
448908
449010
449078
449082
449084
449089–449090

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
449092
449094–449097
449135
449143
449186
449207
449405
449446
449450
449453
449457
449493
449740
449829
449923
449926
450004–450005
450107
450281–450282
450289–450292
450298
450870
450941
450982
451003
451035–451036
451038–451039
451086
451088
451310
451336–451338
451405
451506
451604–451607

196

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
451646
451650
451652
451656
451659
451663–451664
451666
451669
451672–451673
451675
451679–451680
451684–451685
451691
451695
451704
451706
452070–452071
452073
452102–452103
452107–452109
452179
452197
452221–452222
452284–452286
452289
452513
452553
452559
452564
452566
452570–452572
452924
452928–452929
452931

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HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
452933
452939
452942
452944–452945
452948–452949
452989
453048
453080
453092
453298
453533–453541
453543
453545–453548
453550–453551
453660–453661
453673
453711
453713–453715
453717–453726
453728
453730
453750
453806
453809
453818
453825
453828
453846
454032
454407
454566
454568
454592
454608

198

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
454694
454698
454763
454823
454909
454967
455069–455070
455106
455142
455190
455354
455406
455595
455616
455624
455799
456331–456333
456521
456531
456569–456570
456574
456892
458144
458150
458156–458157
458874
458883
458887
458889
458895
458899
459103
459109
459112

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
459117
459119
460103–460104
460124–460127
460130
460137
460148–460149
460163
460350–460369
460390
460445
460493
460515
460601–460606
460609–460620
460641–460642
460650
460652
460691
460693
460695
460729–460730
460752
460769
460774
460793
460847–460848
460852–460854
460856–460857
460859
460861
460863
460868–460872
460874

200

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
460876–460877
460881
460886
460891–460895
460898
461026
461057
461075
461081
461223–461228
461270
461324
461381
461633
461641
461644
461646
461656
461691–461692
461698
462123
462133
462138
462142
462155
462158–462159
462166–462167
462190
462194
462501
462510
462557
462590
462596

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HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
462668
462701
462788
462805
462905–462906
462912–462913
462915
462917
463026
463038
463103
463105
463107–463108
463110
463113
463116
463119
463124
463132–463133
463135–463137
463145
463156
463272–463290
463440–463455
463457–463459
463508
463550–463552
463555
463570
463572–463589
463592
463837
463902
463942

202

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
463945–463946
463950–463952
463957
463964
463971
463976
463992
463996
463998–463999
464011
464046
464048
464206–464207
464320
464330–464338
464340–464349
464371
464399
464509
464704
464738
464745
464747
464764
464771
464773
464801
464807
464860
464862
464865
464871–464890
464919
464921

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HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
465003
465009
465108
465232
465287–465298
465301–465302
465304–465305
465307–465309
465338–465339
465344
465346–465353
465357–465358
465381
465390
465393
465398–465399
465500
465532
465539
465548
465550
465615
465652
465703
465707
466108
466110
466134
466172
466185
466191
466194
466202
466205

204

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
466208
466215
466392
466528
467001
467003
467147
467160
467162–467166
467173
467175
467194
467201
467204–467205
467208
467251
467253
467261
467266
467271
467283
467285–467287
467289
467400
467470
467472
467482
467531
467542
467555
467559
467992
468092
468094

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A: Card Association BIN Ranges

HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
468232
468239
468263
468274
468299
468406
468408
468413
468419
468422
468430
468433
468436
468441
468452
468455
468462–468463
468468
468477
468479
468489
468491
468493
468700
468704
468718
468721
468810–468811
468859
469044
469055
469059
469061–469063
469065

206

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
469068
469074
469080
469083
469094
469224
469301
469305–469306
469309
469313–469314
469316
469318–469319
469321–469322
469324
469326
469328
469401
469410
469419
469425
469429
469433
469436
469440
469444
469448
469453
469457
469462
469469
469475
469477–469478
469480–469482
469484

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HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
469487–469488
469493–469494
469506
469513
469517
469560
469569
469604–469606
470010
470012–470013
470016
470021
470038
470043–470044
470412
470420
470423
470508
470516
470527
470706
470708
470712
470745–470746
470764–470765
470768
470789–470790
471536
471719–471721
471726–471728
471752
471755
471760
471773

208

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
471777–471778
471781–471783
471785
471787–471792
471796–471797
471808
471811–471813
471833
471844
471853
471855
471866
471870
471873–471874
471877
471879
471894
471915
471917
471982
471985
471987
471989
471991–471992
471995
472000–472001
472003–472005
472012–472013
472015
472017
472022
472024
472026
472028

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A: Card Association BIN Ranges

HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
472030
472059
472175
472181
472350
472352
472358–472359
472364–472365
472368–472370
472374
472376
472378
472383
472385
472387–472388
472391
472396
472527
472715
472722
472724
472732
472742–472743
472745–472747
472749
472752
472754
472757
472766
472775
472780
472783
472787
472790

210

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HPS Integrator’s Guide V 16.1.1

A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
472961
472975
472977
472990
472993
472995
472997–472999
473073
473075
473077
473090
473132
473141
473150
473162
473341–473342
473349
473353
473367
473412
473499
473511
473550
473555
473583
473698–473699
473731
473804
473902–473903
473906
473908
473911
473913–473914
473916

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HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
473918–473919
473922
473924–473925
473926–473928
473934
473937–473938
473942–473945
473949
473951
473954–473955
473957
473959–473961
473963–473965
473966–473968
473970–473971
473973
473975–473976
473978
473982
473984
473988–473991
473992
473994–473996
474304–474305
474363
474378
474384–474385
474396–474397
474398
474596
474599–474600
474603
474622
474656

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HPS Integrator’s Guide V 16.1.1

A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
474662
474692–474693
474725
474871
474877
475026
475040
475044
475047–475048
475063
475074
475409
475413
475416
475426
475439
475442
475450
475452–475453
475457
475497–475499
475555
475570
475605
475658
475660
475672
475690
475700
475702
475704–475705
475707
475816
475832

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A: Card Association BIN Ranges

HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
475834
475857
476081–476082
476153
476435–476436
476447
476455
476466–476467
476490–476491
476497
476511
476514
476552
476595
476598
476706
476708
476710
476726
476734
476743
476753–476755
476757
476760
476765 476766
476771
476774
476778
476785
476799
476889
476900
477326–477328
477330–477332

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HPS Integrator’s Guide V 16.1.1

A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
477334–477337
477340–477341
477343–477344
477348
477401
477404
477406–477407
477410
477412–477415
477417
477419
477421
477424–477427
477431
477434
477436
477438
477440–477441
477446
477450–477451
477453–477455
477461–477463
477466–477467
477470
477474
477481
477486
477489
477493
477496–477498
477500
477536
477559
477724

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A: Card Association BIN Ranges

HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
477735
477757
477763
477769
477780–477781
477792
477800
477813
477848
477856
477865
477877
477879
477970
478251
478258
478315–478316
478319
478322
478326
478352–478353
478362
478364
478408
478417
478442
478453
478484–478485
478809
478816
478818
478821–478825
478842
478853

216

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HPS Integrator’s Guide V 16.1.1

A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
478860
478874
478917
478958
478988
479085
479124
479162
479425
479453
479456
479467
479516
479525–479526
479528–479529
479774
479804
479807–479810
479812
479815
479817
479819
479821
479826
479835
479845–479846
479849
479851
479853–479854
479859–479861
479879–479880
479921
480117
480119–480120

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A: Card Association BIN Ranges

HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
480132
480141
480169
480176–480195
480200
480203
480205–480206
480207
480209
480211
480213
480217–480219
480222–480223
480227–480228
480235–480236
480239
480243–480244
480245
480247
480251–480252
480255
480260–480263
480265–480271
480278–480285
480287–480288
480294
480298
480319
480328
480362
480384
480393
480437
480605

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HPS Integrator’s Guide V 16.1.1

A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
480615
480644
480673
480693
480933
480970–480971
480997
481112–481113
481165
481258
481260
481554
481558
481598
481600
481683
481756
481968
481975
481979
482097
482126
482151–482156
482871
482877
482879–482880
482882
482925
483321
483341
483349
483353
483368
483379

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A: Card Association BIN Ranges

HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
483391
483395
483397
483721
483724
483726
483728
483826
483912–483913
484008
484016
484022–484024
484026–484027
484103
484114
484213–484214
484220–484221
484227–484229
484235
484238
484272–484273
484275
484287
484317
484372
484386
484483
484615
484626
484724
484728
484738
485002
485022

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HPS Integrator’s Guide V 16.1.1

A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
485030
485083
485086
485088
485099
485106
485216
485218
485224
485228
485232
485240
485250
485252
485259
485261
485273–485276
485282–485284
485286
485291
485293–485297
485327
485336
485339
485345
485348
485354
485363
485412
485418
485423
485425
485427
485565

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A: Card Association BIN Ranges

HPS Integrator’s Guide V 16.1.1

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
485573–485574
485580
485586–485588
485590
485592
485596
485602–485603
485604–485605
485611
485620–485622
485631
485637–485638
485644–485646
485653
485655–485656
485673
485705–485707
485712
485726
485729
485731
486003–486004
486154
486156
486158–486160
486162
486170
486172–486173
486176
486179
486181
486184
486192
486194–486197

222

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
486237–486239
486302
486304
486317
486462
486464
486734–486735
486737
486740
486743
486745
486795
486801–486802
486809
486815
486837
486871–486872
486900
486911
486920
486937
486946
486980
486985
486990–486993
486998–486999
487091
487283
487285
487292
487297
487299
487301
487311

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
487320
487323
487330–487331
487337
487342
487409
487449
487451–487452
487459
487496
488801–488802
488813
488815–488816
488823
488828
488831
488844–488845
488847
488849–488850
488853
488869
488879–488880
488882–488883
489208
489219
489225
489229–489230
489240
489293
489554
489556–489559
489609–489613
489618
489626

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
489634–489635
489637
489645
489651–489652
489655
489695–489696
489722
489738
489745
489748
489772
489780
489793
489909
489910
489960
490159
490202–490209
490217
490410
490425
490429
490434
490442–490445
490464
490482
490485–490487
490490
490494
490499
490607
490756
490787
490789

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
490802
490851
490854
490861
490871–490887
490894
490895
491229
491231
491239–491252
491303
491319
491379
491392
491419
491421
491435
491453
491468
491470
491479
491488
491496
491528
491535
491581
491645
491690
491723
491729
491766
491893
491895
491970

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A: Card Association BIN Ranges

Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
491980–491993
492302
493021–493022
493024–493039
493041–493045
493047–493058
493060
493121
493153
493167
493177
493187
493196
493426
493442
493445–493446
493450
493471
493784
493786
493819
493820–493821
493854
493855
494135–494140
494145–494177
494179
494315
494371
494397
496003
496007–496008
496647
496677

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Table A-3 VISA Corporate or Business BIN Ranges (Continued)
Account Length up to 19
497984
498438
498481
498486
498812
498817
498865
498882
498893
499100
499104–499105
499106
499107
499109
499111–499115
499117
499123–499124
499126–499127
499130–499132
499134
499136–499139
499141–499142
499143–499146
499148
499152
499160–499161
499164–499165
499170
499174–499175
499185–499187
499190–499191
499937

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A: Card Association BIN Ranges

A.1.4 VISA ReadyLink BIN Ranges
Table A-4 VISA ReadyLink BIN Ranges
Account Length up to 19
400029
400041
400046–400047
400123
400341
400403
400414
400421
400528
400540
400542
400544
400548
400564
400908
401128
401200 (TEST only)
401658
401707
401710
402188
402644
403169
403448
403544
403743
404051
404070
404094
404918
405397
405505

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Table A-4 VISA ReadyLink BIN Ranges (Continued)
Account Length up to 19
406497
407635
407640
407904
407909
407911
407970
407991
408535
408594
408954
409920
410282
410489
410848
411064–411066
411449
411461
412407
414002
414830
416420
416422
417013
417014
418654
420592
420706
420719
420728
420775
420790
422311
422797

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A: Card Association BIN Ranges

Table A-4 VISA ReadyLink BIN Ranges (Continued)
Account Length up to 19
423138
423145
424758
424793
425060
425062
425064
425312
427090
429375
430221
430223
430763–430764
432650
433701
434249
434470
435196–435197
435541–435542
435555–435556
435568
435581
435833
435877
436199
436733
436744
437317
437712
437817–437818
439331
439334
441820–441821
442029

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Table A-4 VISA ReadyLink BIN Ranges (Continued)
Account Length up to 19
442044
442059
442744
442816
443021
443157
446053
447029
447470
447472
448093
449274
449733
452263
452561
453911
454801
454810
455918
455921
456436
456527
456534
456537
458424
458432
461235
461239
463497
465387
465391
466178
467321
467339

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A: Card Association BIN Ranges

Table A-4 VISA ReadyLink BIN Ranges (Continued)
Account Length up to 19
467378–467379
468004
468292
468442–468443
469069
469201
469208
469498
470028
470198
471807
471867
471869
473618
473657
473807
475003–475005
475015
475019
475425
475429
475431
476046–476047
476084
476323
476334
477805
478491
478499
478655
479145
479269–479270
479349
481170

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Table A-4 VISA ReadyLink BIN Ranges (Continued)
Account Length up to 19
481591
481663
481687
482163
483304
484056
484379
485214
485221
485237
487093
487300
487490
488885
489221–489222
489233
489614
490718
491072
491215
491244
491274
491349
493146–493147

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A: Card Association BIN Ranges

A.2 MasterCard BIN Ranges
MasterCard transactions must be submitted to the Heartland for authorization. Bin ranges
include:
• 222100-272099
• 510000-559999
The following MasterCard Purchasing, MasterCard Corporate, and MasterCard Fleet BIN ranges
are subsets of the MasterCard BIN range.
• A.2.1 MasterCard Purchasing BIN Ranges, pg. 235
• A.2.2 MasterCard Corporate BIN Ranges, pg. 237
• A.2.3 MasterCard Fleet BIN Ranges, pg. 243

A.2.1 MasterCard Purchasing BIN Ranges
Table A-5 MasterCard Purchasing BIN Ranges
Account Length up to 19
513359–513360
513721–513722
513764
530249
540500–540501
540505–540511
540514–540515
540517
540520–540524
540526–540529
540531–540539
540542–540543
540546–540549
540554
540556–540558
540561–540562
540568–540580
540582–540583
540586–540590
540592–540596

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Table A-5 MasterCard Purchasing BIN Ranges (Continued)
Account Length up to 19
540598
549297
552039
552587
552807
552902–552906
552908–552910
552913–552914
552916–552917
552924–552927
552929–552931
552934
552936
552936
552936–552937
552941–552942
552950
553424
553447
555000–555001
555003
555005–555006
555008–555011
555013–555014
555016
555018–555021
555024–555025
555027
555029
555033
555039–555042
555078
555109
555225

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A: Card Association BIN Ranges

Table A-5 MasterCard Purchasing BIN Ranges (Continued)
Account Length up to 19
555951–555953
555957–555958
555962
556024
558301

A.2.2 MasterCard Corporate BIN Ranges
Table A-6 MasterCard Corporate BIN Ranges
Account Length up to 19
222100–272099
513285
513351–513357
513365–513366
513614
516315
516325
516328
516335
516345
516349
516355
516365
516369
516375
517794
517796
518718
520806
522118
522142
525016
525060
525880–525881

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Table A-6 MasterCard Corporate BIN Ranges (Continued)
Account Length up to 19
525892
527500
528307
528311
528316
528360
528790
529602
530241–530242
530253
531210
531212
531214
531216
531218–531225
531228–531229
531291
531357
531454–531455
531712
531714–531717
531723–531727
532450
532458
532612
533501–533502
533509
535317
535319
541253
541306
541309
543793
547260

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A: Card Association BIN Ranges

Table A-6 MasterCard Corporate BIN Ranges (Continued)
Account Length up to 19
547354–547355
547380
547407
547426–547428
547480
547512
547514
547562
547596
547629
547693
547735–547736
547817
547846
547876
547899
549296
549724
552501–552502
552503
552504
552506
552507
552508
552512–552522
552525
552527
552529–552534
552536–552542
552544–552547
552549–552553
552554
552556–552559
552561

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Table A-6 MasterCard Corporate BIN Ranges (Continued)
Account Length up to 19
552563
552566
552569–552580
552583–552587
552587
552587–552588
552590
552592–552598
552659
552739–552740
552750–552762
552765–552767
552769–552770
552772–552774
552777
552780–552786
552788
552790
552793–552806
552810–552814
552816–552828
552830–552842
552844
552846–552849
552920
552936
552943
553108
553166
553381–553382
553384–553386
553388–553391
553396
553400–553401

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A: Card Association BIN Ranges

Table A-6 MasterCard Corporate BIN Ranges (Continued)
Account Length up to 19
553403–553406
553408–553414
553416–553422
553422–553423
553425–553426
553428–553430
553432
553435
553438–553439
553440
553441
553442
553443–553446
553449–553450
553452
553454–553458
553460
553465
553471–553473
553475–553476
553478
553480
555004
555007
556101
556600–556601
556603
556605
556607–556608
556610–556617
556619–556620
556622–556626
556628
556630

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Table A-6 MasterCard Corporate BIN Ranges (Continued)
Account Length up to 19
556633–556638
556641–556644
556646–556647
556650–556651
556653
556655–556659
556661–556666
556670–556673
556675–556676
556678–556682
556688–556689
558303
558308
558458
558469
558484
558685
558701–558703
558708
558710–558712
558717
558720–558722
558725
558729–558732
558735
558737–558740
558747
558749
558751–558752
558756–558757
558759
558761–558763
558767–558769
558771–558774

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A: Card Association BIN Ranges

Table A-6 MasterCard Corporate BIN Ranges (Continued)
Account Length up to 19
558775
558778–558779
558781–558785
558787–558788
558791–558799
558872
558877

A.2.3 MasterCard Fleet BIN Ranges
Table A-7 MasterCard Fleet BIN Ranges
Account Length up to 19
553231–553380
556083–556099
556100–556599
556700–556999

A.3 American Express BIN Ranges
Table A-8 American Express BIN Ranges
Account Length up to 19
34XX
37XX

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A.4 Discover IIN Ranges
Table A-9 Discover IIN Ranges
Account Length up to 19
Description

IIN
30000000–30599999

Diner’s Club
International

30950000–30959999
36000000–36999999
(Length 14)
38000000–39999999
60110000–60110399
60110500–60110999
60112000–60114999
60117400–60117499

Discover Network

60117700–60117999
60118600–60119999
64400000–65059999
65060100–65060999
65061100–65999999

JCB Bank

35280000–35899999
62212600–62292599

UnionPay

62400000–62699999
62820000–62889999

A.5 PayPal IIN Ranges
Table A-10 PayPal IIN Ranges
Account Length 16
Description

IIN
60110400–60110499

PayPal

65060000–65060099
65061000–65061099

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A: Card Association BIN Ranges

A.6 Fleet Card BIN Ranges
Table A-11 Voyager BIN Ranges
Account Length 19
Description

BIN

Voyager

708885–708889

Table A-12 WEX BIN Ranges
Account Length 19
Description

BIN
690046

WEX

707138

Table A-13 FleetCor BIN Ranges
Account Length 17
Description

BIN

FleetCor Fuelman Plus Card

707649

FleetCor GasCard

707685

FleetCor FleetWide Card

70768598
556780

FleetCor Client-Specific only

556274

Table A-14 Fleet One BIN Range
Account Length 19
Description

BIN

Fleet One

501486

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Table A-15 Multi Service BIN Ranges
Account Length 19
Description

BIN
70000 – 700000982

Multi Service

70000099 – 700009
708880 – 708884

Table A-16 AVCard BIN Range
Account Length 19max
Description

BIN

AVCard

601029

A.7 Stored Value Solutions (SVS) BIN Ranges
Table A-17 SVS BIN Ranges
Account Length 19
Description

BIN
600649
603261

Stored Value

603571
627600
639470

Chockstone
Heartland Gift Card
ValueLink

246

502244
627720
708355
601056
603225

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A: Card Association BIN Ranges

A.8 Centego Prepaid BIN Ranges
Table A-18 Centego Prepaid BIN Range
Account Length 19
Description

BIN

Centego Prepaid Card

627921

A.9 Drop Tank
Table A-19 Drop Tank BIN Range
Account Length 18
Description

BIN

Drop Tank

636497

A.10 Debit BIN Ranges
There are no defined BIN ranges for Debit.

A.11 EBT BIN Ranges
Table A-20 EBT BIN Ranges
Account Length up to 19
State

BIN

AK

507695

AL

507680

AR

610093

AZ

507706

CA

507719

CO

507681

CT

600890

D.C.

507707

DE

507713

FL

508139

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Table A-20 EBT BIN Ranges (Continued)
Account Length up to 19
State

248

BIN

GA

508148

GUAM

578036

HI

507698

IA

627485

ID

507692

IL

601453

IN

507704

KS

601413

KY

507709

LA

504476

MA

600875

MD

600528

ME

507703

MI

507711

MN

610423

MO

507683

MS

507718

MT

507714

NC

508161

ND

508132

NE

507716

NH

507701

NJ

610434

NM

586616

NV

507715

NY

600486

OH

507700

OK

508147

OR

507693

PA

600760

RI

507682

SC

610470

SD

508132

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A: Card Association BIN Ranges

Table A-20 EBT BIN Ranges (Continued)
Account Length up to 19
State

BIN

TN

507702

TX

610098

UT

601036

VA

622044

VIRGIN ISLANDS

507721

VT

507705

WA

507710

WI

507708

WV

507720

WY

505349

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Appendix B: Industry Codes
• B.1 Conexxus Product Codes
• B.2 MasterCard Purchasing Product Codes
• B.3 MasterCard Fleet Product Codes
• B.4 Heartland Product Codes for VISA Fleet Processing
• B.5 Voyager Product Codes
• B.6 WEX Supported Conexxus Product Codes

B.1 Conexxus Product Codes
Note: While this section lists all of the available Conexxus Product Codes, specific Fleet cards
may only use a subset. Refer to the specific fleet provider's section for their accepted
Product Code list. These codes are subject to change without notice.
Conexxus Product Codes have the following ranges:
• 001–099 apply to purchases of dispensed motor fuels and additives.
• 100–149 apply to purchases of vehicle products / services.
• 150–174 apply to purchases of aviation fuels.
• 175–224 apply to purchases of aviation products and services.
• 225–249 apply to purchases of marine fuels.
• 250–299 apply to purchases of marine products and services.
• 300–399 apply to purchases of other dispensed fuel and metered products.
• 400–599 apply to purchases of merchandise.
• 600–624 apply to purchase of packaged fuels.
• 625–649 are reserved for Conexxus future use.
• 650–699 apply to purchase of vehicle products/services (continued).
• 800–899 are reserved for proprietary use.
• 700–799 are reserved for Conexxus future use.
• 800–899 are reserved for proprietary use.
• 900–949 apply to negative transactions.
• 950–999 apply to administrative.

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B: Industry Codes

Table B-1 Conexxus Product Codes
Product Code
000
001–099

Description
Not Used
Dispensed Motor Fuels and Additives

001

Unleaded Regular

002

Unleaded Plus

003

Unleaded Super

004

Unleaded 4

005

Unleaded 5

006

 Unleaded Methanol (5.7% blend)

007

 Unleaded Plus Methanol (5.7% blend)

008

 Super Unleaded Methanol (5.7% blend)

009

 Unleaded Methanol (7.7% blend)

010

 Unleaded Plus Methanol (7.7% blend)

011

Unleaded Ethanol (5.7% blend)

012

Unleaded Plus Ethanol (5.7% blend)

013

Unleaded Super Ethanol (5.7% blend)

014

Unleaded Ethanol (7.7% blend)

015

Unleaded Plus Ethanol (7.7% blend)

016

 Methanol / Leaded

017

 Ethanol / Leaded

018

 Leaded

019

Regular Diesel #2

020

Premium Diesel #2

021

Regular Diesel #1

022

Compressed Natural Gas

023

Liquid Propane Gas

024

Liquid Natural Gas

025

 M-85

026

E-85

027

Unleaded - Reformulated 1

028

Unleaded - Reformulated 2

029

Unleaded - Reformulated 3

030

Unleaded - Reformulated 4

031

Unleaded - Reformulated 5

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-1 Conexxus Product Codes
Product Code

252

Description

032

 Diesel Off-Road (#1 and #2 Non-Taxable)

033

 Diesel Off-Road (Non-Taxable)

034

Biodiesel Blend Off-Road (Non-Taxable)

035

 Biodiesel Blend Off-Road (Non-Taxable)

036

Racing Fuel

037

 Super Unleaded Methanol (7.7% Blend)

038

 Unleaded Methanol (10% Blend)

039

 Unleaded Plus Methanol (10% Blend)

040

 Super Unleaded Methanol (10% Blend)

041

Super Unleaded Ethanol (7.7% Blend)

042

Unleaded Ethanol (10% Blend)

043

Unleaded Plus Ethanol (10% Blend)

044

Super Unleaded Ethanol (10% Blend)

045

B2 Diesel Blend 2% Biodiesel

046

B5 Diesel Blend 5% Biodiesel

047

B10 Diesel Blend 10% Biodiesel

048

B11 Diesel Blend 11% Biodiesel

049

B15 Diesel Blend 15% Biodiesel

050

B20 Diesel Blend 20% Biodiesel

051

B100 Diesel Blend 100% Biodiesel

052

 Ultra Low Sulfur #1

053

 Ultra Low Sulfur #2

054

 Ultra Low Sulfur Premium Diesel #2

055

 Ultra Low Sulfur Biodiesel Blend 2%

056

 Ultra Low Sulfur Biodiesel Blend 5%

057

 Ultra Low Sulfur Biodiesel Blend 10%

058

 Ultra Low Sulfur Biodiesel Blend 11%

059

 Ultra Low Sulfur Biodiesel Blend 15%

060

 Ultra Low Sulfur Biodiesel Blend 20%

061

 Ultra Low Sulfur Biodiesel Blend 100%

062

DEF (Diesel Exhaust Fluid)

063

Premium Diesel #1

064

Unleaded Ethanol (15% Blend)

065

Unleaded Plus Ethanol (15% Blend)

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-1 Conexxus Product Codes
Product Code

Description

066

Super Unleaded Ethanol (15% Blend)

067

Premium Diesel Blend <20% Biodiesel

068

Premium Diesel Blend >= 20% Biodiesel

069

B75 Diesel Blend 75% Biodiesel

070

B99 Diesel Blend 99% Biodiesel

071–098
099
100–149

Undefined Fuel–Reserved for Proprietary Use
Miscellaneous Fuel
Vehicle Products / Services

100

General Automotive Merchandise

101

Motor Oil

102

Car Wash

103

Oil Change

104

Oil Filter

105

Work Order

106

Anti-Freeze

107

Washer Fluid

108

Brake Fluid

109

Tires

110

Federal Excise Tax (Tires)

111

Tire Rotation

112

Batteries

113

Lube

114

Inspection

115

Labor

116

Towing

117

Road Service

118

Vehicle Accessories

119

Vehicle Parts

120

Preventative Maintenance

121

Air Conditioning Service

122

Engine Service

123

Transmission Service

124

Brake Service

125

Exhaust Service

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-1 Conexxus Product Codes
Product Code
126

Body Work

127

Vehicle Glass

128

Synthetic Oil

129

Lamps

130

Wipers

131

Hoses

132

Tire-related (Wheel Balance Valve Stem)

133

Repairs

134

Service Package

135

Vehicle Parking

136

Truck Tank Cleaning

137

Other Lubricants

138

Vehicle Fuel Additives/Treatment (Injected)

139

Vehicle Rental

140

Air Filter

141

Vehicle Prep

142

Fuel System

143–148
149
150–174

Undefined Vehicle Product/Services–Reserved for Proprietary Use
Miscellaneous Vehicle Products / Services
Aviation Fuels

150

Jet Fuel

151

Aviation Fuel Regular

152

Aviation Fuel Premium

153

Aviation Fuel JP8

154

Aviation Fuel 4

155

Aviation Fuel 5

156–167

Undefined Aviation Fuel–Reserved for Conexxus Future Use

168–173

Undefined Aviation Fuel–Reserved for Proprietary Use

174

254

Description

Miscellaneous Aviation Fuel

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-1 Conexxus Product Codes
Product Code
175–224

Description
Aviation Products / Services

175

Storage

176

Aircraft Ground Handling

177

Aircraft Ground Power Unit

178

Aircraft Labor

179

Aircraft Work Order

180

Aircraft Maintenance

181

Aircraft Service

182

Transportation

183

De-icing

184

Ramp Fees

185

Catering

186

Hangar Fee

187

Landing Fee

188

Call Out Fee

189

Aircraft Rental

190

Instruction Fee

191

Flight Plans / Weather Brief

192

Charter Fee

193

Communication Fee

194

Aircraft Cleaning

195

Cargo Handling

196

Aircraft Accessories

197

Pilot Supplies

198

Aircraft Parking Fees

199

Aircraft Tie Down Fees

200

Aircraft Sanitation Fees

201

Aircraft Fuel Additive

202

AC Parts

203

Oxygen

204

De-fuel

205

Re-service

206

Static Dissipater Additive

207

Corrosion Inhibitor

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-1 Conexxus Product Codes
Product Code
208

Airport Fees

209

Overtime Fees

210

IT/Bladder

211

Ground Equipment Service Fees

212

Secure Fees

213

Flow Fee

214–215

Undefined Aviation–Reserved for Conexxus Future Use

216–223

Undefined Aviation–Reserved for Proprietary Use

224

Miscellaneous Aviation Products/Services

225–249

Marine Fuels

225

Marine Fuel 1

226

Marine Fuel 2

227

Marine Fuel 3

228

Marine Fuel 4

229

Marine Fuel 5

230

Marine - Other

231–242

Undefined Marine Fuel–Reserved for Conexxus Future Use

243–248

Undefined Marine Fuel–Reserved for Proprietary Use

249

Miscellaneous Marine Fuel

250–299

Marine Products / Services

250

Marine Service

251

Marine Labor

252

Marine Work Order

253

Launch Fee

254

Slip Rental

255–280

Undefined Marine Services–Reserved for Conexxus Future Use

281–298

Undefined Marine Services–Reserved for Proprietary Use

299
300–399

256

Description

Miscellaneous Marine Products/Services
Other Dispensed Fuels and Metered Products

300

Kerosene–Low Sulfur

301

White Gas

302

Heating Oil

303

 Bottled Propane

304

Other Fuel (Non-Taxable)

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-1 Conexxus Product Codes
Product Code

Description

305

Kerosene–Ultra Low Sulfur

306

Kerosene–Low Sulfur (Non-Taxable)

307

Kerosene–Ultra Low Sulfur (Non-Taxable)

308

EVC-1–Level 1 charge = 110v 15 amp

309

EVC-2–Level 2 charge = 240v 15-40 amp

310

EVC-3–Level 3 charge = 480v 3 phase charge

311

Biodiesel Blend 2% Off-Road

312

Biodiesel Blend 5% Off-Road

313

Biodiesel Blend 10% Off-Road

314

Biodiesel Blend 11% Off-Road

315

Biodiesel Blend 15% Off-Road

316

Biodiesel Blend 20% Off-Road

317

Diesel #1 Off-Road

318

Diesel #2 Off-Road

319

Diesel #1 Premium Off-Road

320

Diesel #2 Premium Off-Road

321

Additive Dosage

322

Unleaded Ethanol Blends E16-E84

323

Low Octane Unleaded

324

Blended Diesel (#1 and #2)

325

Off-Road Unleaded Regular (Non-Taxable)

326

Off-Road Unleaded Plus (Non-Taxable)

327

Off-Road Unleaded Super (Non-Taxable)

328

Off-Road Unleaded 4 (Non-Taxable)

329

Off-Road Unleaded 5 (Non-Taxable)

330

Recreational Fuel (90 Octane)

331

Hydrogen H35

332

Hydrogen H70

333–380

Undefined Other Fuel–Reserved for Conexxus Future Use

381–398

Undefined Other Fuel–Reserved for Proprietary Use

399

Miscellaneous Other Fuel

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-1 Conexxus Product Codes
Product Code
400–599

Merchandise

400

General Merchandise

401

General Ice

402–409

General Undefined–Reserved for Conexxus Future Use

410

General Tobacco

411

Cigarettes

412

Tobacco - Other

413–417

Undefined Tobacco–Reserved for Conexxus Future Use

418–419

Undefined Tobacco–Reserved for Proprietary Use

420

General Packaged Beverage

421

Packaged Beverages (non-alcoholic)

422

Packaged Juice

423

Other Packaged Beverages

424–427

Undefined Packaged Beverages–Reserved for Conexxus Future Use

428–429

Undefined Packaged Beverages–Reserved for Proprietary Use

430

General Dispensed Beverage

431

Hot Dispensed Beverages

432

Cold Dispensed Beverages

433

Frozen Dispensed Beverages

434

Other Dispensed Beverages

435–437

Undefined Dispensed Beverages–Reserved for Conexxus Future Use

438–439

Undefined Dispensed Beverages–Reserved for Proprietary Future

440

General Snacks

441

Salty Snacks

442

Alternative Snacks

443

Sweet Snacks - Packaged

444–447

Undefined Snacks–Reserved for Conexxus Future Use

448–449

Undefined Snacks–Reserved for Proprietary Use

450

258

Description

General Candy

451–457

Undefined Candy–Reserved for Conexxus Future Use

458–459

Undefined Candy–Reserved for Proprietary Use

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-1 Conexxus Product Codes
Product Code

Description

460

General Dairy

461

Fluid Milk Products

462

Packaged Ice Cream/Novelties

463

Other Dairy

464–467

Undefined Dairy–Reserved for Conexxus Future Use

468–469

Undefined Dairy–Reserved for Proprietary Use

470

General Grocery

471

Groceries - Edible

472

Groceries - Non-Edible

473

Groceries - Perishable

474

Bread - Packaged

475

Frozen Foods

476–477

Undefined Grocery–Reserved for Conexxus Future Use

478–479

Undefined Grocery–Reserved for Proprietary Use

480

General Alcohol

481

Beer - Alcoholic

482

Beer - Non-Alcoholic

483

Wine

484

Liquor

485–487

Undefined Alcohol–Reserved for Conexxus Future Use

488–489

Undefined Alcohol–Reserved for Proprietary Use

490

General Deli

491

Packaged Sandwiches/Deli Products

492

Prepared Foods

493

Deli Items

494–497

Undefined Deli–Reserved for Conexxus Future Use

498–499

Undefined Deli–Reserved for Proprietary Use

500

General Foodservice

501–507

Undefined Foodservice–Reserved for Conexxus Future Use

08–509

Undefined Foodservice–Reserved for Proprietary Use

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-1 Conexxus Product Codes
Product Code
510

General Lottery

511

Lottery - Instant

512

Lottery - Online

513

Lottery - Other

514–517

Undefined Lottery–Reserved for Conexxus Future Use

518–519

Undefined Lottery–Reserved for Proprietary Use

520

General Money Order

521

Money Order - Vendor Payment

522

Money Order - Payroll Check

523

Money Order - Gift Certificate

524

Money Order - Refund Check

525

Money Order - Official Check

526

Money Order - Rebate Check

527

Money Order - Dividend Check

528

Money Order - Utility Check

529

Undefined Money Order–Reserved for Conexxus Future Use

530

General Store Service

531

Home Delivery

532

Prepaid Cards - Purchase

533

Prepaid Cards - Activation/Recharge

534

Membership/Loyalty

535–537

Undefined Store Services–Reserved for Conexxus Future Use

538–539

Undefined Store Services–Reserved for Proprietary Use

540

General Health & Beauty Care

541–547

Undefined Health & Beauty Care–Reserved for Conexxus Future Use

548–549

Undefined Health & Beauty Care–Proprietary Use

550

260

Description

General Publications

551–557

Undefined General Publications– Reserved for Conexxus Future Use

558–559

Undefined General Publications Reserved for Proprietary Use

558–559

Undefined General Publications Reserved for Proprietary Use

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-1 Conexxus Product Codes
Product Code
560–590

Description
Prepaid and Bill Pay (Secondary Network)

560

PIN Activate Prepaid Card

561

PIN Return Prepaid Card

562

Enable Device/Handset Unlock

563

Disable Device/Handset Lock

564

3rd Party Prepaid Card Activate

565

3rd Party Prepaid Card Reload

566

Financial Prepaid Card Activate

567

Financial Prepaid Card Reload

568

Proprietary Prepaid Card Activate

569

Proprietary Prepaid Card Reload

570

General Purpose Activate

71

General Purpose Reload

572

Real Time Recharge

573

Wireless Real Time Recharge

574

Single Payee Bill Pay

575

Multiple Payee Bill Pay

576–583

Undefined Prepaid and Bill Pay–Reserved for Conexxus Future Use

584–590

Undefined Prepaid and Bill Pay–Reserved for Proprietary Use

591–599

Undefined Merchandise–Reserved Proprietary Use

600–624

Packaged Fuels

600

DEF (Diesel Exhaust Fluid)

601

B99

602

B100

603

Additive

604

Kerosene

605

Propane

606–612

Undefined Packaged Fuels–Reserved for Conexxus Future Use

613–623

Undefined Packaged Fuels–Reserved for Proprietary Use

624

Miscellaneous Packaged Fuels

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-1 Conexxus Product Codes
Product Code
625–649

Reserved for Conexxus Future Use

650–699

Vehicle Products/Services (Continued)

650

Scales

651

Shower

652

Tire Repair

653

Lodging

654

Wash Out

655

Trailer Wash

656

RV Dump Fee

657

EV Charging Fee

658–689

Undefined Vehicle Product/Services–Reserved for Conexxus Use

690–699

Undefined Vehicle Product/Services–Reserved for Proprietary Use

700–799

Reserved for Conexxus Future Use

800–899

Reserved for Proprietary Use

900–949

Negative Transactions

900

Discount 1

901

Discount 2

902

Discount 3

903

Discount 4

904

Discount 5

905

Coupon 1

906

Coupon 2

907

Coupon 3

908

Coupon 4

909

Coupon 5

910

Lottery Pay Out - Instant

911

Lottery Pay Out - Online

912

Lottery Pay Out - Other

913

Split Tender

914

Tax Discount/Forgiven

915–940

Undefined Negative–Reserved for Conexxus Future Use

941–948

Undefined Negative–Reserved for Proprietary Use

949

262

Description

Miscellaneous Negative Administrative

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-1 Conexxus Product Codes
Product Code
950–999

Description
Administrative

950

Tax 1

951

Tax 2

952

Tax 3

953

Tax 4

954

Tax 5

955

Cash Back

956

Cash Back Fee

957

Fee 1

958

Fee 2

959

Fee 3

960

Fee 4

961

Fee 5

962

Miscellaneous Aviation Tax

963

GST/HST (Canadian)/VAT 1

964

PST/QST (Canadian) VAT 2

965

SWT Rate (Canadian)

966

Tax 6

967

Tax 7

968

Tax 8

969

Jet Federal Excise Tax

970

AvGas Federal Excise Tax

971–990

Undefined Administrative–Reserved for Conexxus Future Use

991–998

Undefined Administrative–Reserved for Proprietary Use

999

Miscellaneous Administrative

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

B.2 MasterCard Purchasing Product Codes
MasterCard Purchasing Product Codes have the following ranges:
• 001–029 apply to purchases for motor fuels for cars, trucks, and vans.
• 030–099 apply to purchases for automotive repairs, goods purchased from convenience
stores, and other miscellaneous purchases.
• 100–149 apply to purchase aviation fuels.
• 150–199 apply to purchase marine fuels.
• 200–299 apply to purchases other fuels.
• 300–349 apply to purchases aviation repairs and services.
• 350–399 apply to purchase marine and boat repair/other.
• 400–999 undefined.
This section includes the following product codes:
• B.2.1 MasterCard Purchasing Fuel Product Codes, pg. 264
• B.2.2 MasterCard Purchasing Non-Fuel Product Codes, pg. 266

B.2.1 MasterCard Purchasing Fuel Product Codes
Table B-2 MasterCard Purchasing Fuel Product Codes
Product Codes

264

Description

000

Not Used

001

Unleaded Regular (86 or 87 Octane)

002

Unleaded Mid Grade (88 or 89 Octane)

003

Unleaded Premium (90 or 91 Octane)

004

Unleaded Super (92–94 Octane)

005

Methanol Unleaded Regular (86 or 87 Octane)

006

Methanol Unleaded Mid Grade (88 or 89 Octane)

007

Methanol Unleaded Premium (90 or 91 Octane)

008

Methanol Unleaded Super (92 or 94 Octane)

009

Methanol Regular Leaded

011

Regular Leaded Gasoline

012

Diesel

013

Diesel Premium

014

Kerosene

015

LPG

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-2 MasterCard Purchasing Fuel Product Codes (Continued)
Product Codes

Description

016

Compressed Natural Gas

017

M85 (Methanol 85%)

018

E85 (Ethanol 85%)

019

Ethanol Unleaded Regular (86 or 87 Octane)

020

Ethanol Unleaded Mid Grade (88 or 89 Octane)

021

Ethanol Unleaded Premium (90 or 91 Octane)

022

Ethanol Unleaded Super (92 or 94 Octane)

023

Ethanol Regular Leaded

024

Unleaded Reformulated (86 or 87 Octane)

025

Unleaded Mid Grade Reformulated (88 or 89 Octane)

026

Dyed Diesel

027

Gasohol

028

Biodiesel

029

Ultralow Sulfer Diesel (ULSD)

100

Aviation 100 Octane

101

Jet Fuel

102

Aviation Fuel

150

Marine Fuel

200

Miscellaneous Fuel

201

Liquid Natural Gas

202

White Gas

203

Racing Fuel

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

B.2.2 MasterCard Purchasing Non-Fuel Product Codes
Table B-3 MasterCard Purchasing Non-Fuel Product Codes
Product Codes

266

Description

030

Motor Oil

031

Oil Change

032

Engine Service

033

Transmission Service

034

Brake Service

035

Solvent

036

Brake Fluid

037

Miscellaneous Parts

038

Miscellaneous Labor

039

Miscellaneous Repairs

040

TBA (Tires, Batteries, Accessories)

041

Tires

042

Batteries

043

Automotive Accessories

044

Automotive Glass

045

Car Wash

046

Towing

070

Cigarettes/Tobacco

078

Health/Beauty Aid

079

Miscellaneous Food/Grocery

080

Soda

081

Beer/Wine

082

Milk/Juice

083

Restaurant

089

Miscellaneous Beverage

099

Miscellaneous Other

300

Aviation Maintenance

301

De-icing

302

APU or Aircraft Jump Start

303

Aviation Catering

304

Tie down or Hangar

305

Landing Fee

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-3 MasterCard Purchasing Non-Fuel Product Codes (Continued)
Product Codes

Description

306

Ramp Fee

307

Call Out Fee

308

Plane Rental

309

Instruction Fee

310

Miscellaneous Aviation

311

Flight Planning/Weather Fees

312

Charter Fees

313

Ground Handling

314

Communications Fees

315

Aircraft Cleaning

316

Cargo Handling

317

Aviation Accessories

350

Boat Service

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267

B: Industry Codes

HPS Integrator’s Guide V 16.1.1

B.3 MasterCard Fleet Product Codes
This section includes the following product codes:
• B.3.1 MasterCard Fleet Fuel Product Codes, pg. 268
• B.3.2 MasterCard Fleet Non-Fuel Product Codes, pg. 269

B.3.1 MasterCard Fleet Fuel Product Codes
Table B-4 MasterCard Fleet Fuel Product Codes
Product Code

268

Description

00

Not Used

01

Unleaded Regular (86 or 87 Octane)

02

Unleaded Mid Grade (88 or 89 Octane)

03

Unleaded Premium (90 or 91 Octane)

04

Unleaded Super (92–94 Octane)

05

Methanol Unleaded Regular (86 or 87 Octane)

06

Methanol Unleaded Mid Grade (88 or 89 Octane)

07

Methanol Unleaded Premium (90 or 91 Octane)

08

Methanol Unleaded Super (92 or 94 Octane)

09

Methanol Regular Leaded

11

Regular Leaded Gasoline

12

Diesel

13

Diesel Premium

14

Kerosene

15

LPG

16

Compressed Natural Gas

17

M85 (Methanol 85%)

18

E85 (Ethanol 85%)

19

Ethanol Unleaded Regular (86 or 87 Octane)

20

Ethanol Unleaded Mid Grade (88 or 89 Octane)

21

Ethanol Unleaded Premium (90 or 91 Octane)

22

Ethanol Unleaded Super (92 or 94 Octane)

23

Ethanol Regular Leaded

24

Unleaded Reformulated (86 or 87 Octane)

25

Unleaded Mid Grade Reformulated (88 or 89 Octane)

26

Dyed Diesel

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HPS Integrator’s Guide V 16.1.1

B: Industry Codes

Table B-4 MasterCard Fleet Fuel Product Codes (Continued)
Product Code

Description

27

Gasohol

28

Biodiesel

29

Ultralow Sulfer Diesel (ULSD)

B.3.2 MasterCard Fleet Non-Fuel Product Codes
Table B-5 MasterCard Fleet Non-Fuel Product Codes
Product Code

Description

30

Motor Oil

31

Oil Change

32

Engine Service

33

Transmission Service

34

Brake Service

35

Solvent

36

Brake Fluid

37

Miscellaneous Parts

38

Miscellaneous Labor

39

Miscellaneous Repairs

40

TBA (Tires, Batteries, Accessories)

41

Tires

42

Batteries

43

Automotive Accessories

44

Automotive Glass

45

Car Wash

46

Towing

70

Cigarettes/Tobacco

78

Health/Beauty Aid

79

Miscellaneous Food/Grocery

80

Soda

81

Beer/Wine

82

Milk/Juice

83

Restaurant

89

Miscellaneous Beverage

99

Miscellaneous Other

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

B.4 Heartland Product Codes for VISA Fleet Processing
The following Heartland product codes are to be used when processing VISA Fleet transactions
for NTS, Z01 and POS 8583. These codes are converted by Heartland to the VISA Fleet product
codes contained in VISA’s Implementation Guide.
• Codes numbered 00–29 apply to fuel purchases for motor vehicles.
• Codes numbered 30–99 apply to purchases for automotive repairs, goods purchased from
convenience stores, and other miscellaneous purchases.
This section includes the following product codes:
• B.4.1 Fuel Product Codes, pg. 270
• B.4.2 Non-Fuel Product Codes, pg. 272

B.4.1 Fuel Product Codes
Table B-6 Fuel Product Codes
Fuel Product Code

270

Description

00

Other

01

Unleaded Regular – 86

02

Unleaded Regular – 87

03

Unleaded Mid Grade – 88

04

Unleaded Mid Grade – 89

05

Unleaded Premium – 90

06

Unleaded Premium – 91

07

Unleaded Super – 92

08

Unleaded Super – 93

09

Unleaded Super – 94

10

RESERVED

11

Regular Leaded

12

Diesel

13

Diesel Premium

14

Kerosene

15

LPG

16

Gasohol

17

CNG

18

Methanol – 85

19

Methanol – 10

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B: Industry Codes

Table B-6 Fuel Product Codes
Fuel Product Code

Description

20

Methanol – 7

21

Methanol – 5

22

Ethanol – 85

23

Ethanol – 10

24

Ethanol – 7

25

Ethanol – 5

26

Jet Fuel

27

Aviation Fuel

28

Off-Road diesel

29

Marine

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

B.4.2 Non-Fuel Product Codes
Table B-7 Non-Fuel Product Codes
Non-Fuel Product Code
30

Motor Oil

31

Oil Change

32

Engine Service

33

Transmission Service

34

Brake Service

35–38

Unassigned Repair Values

39

Miscellaneous Repairs

40

Tires, Batteries, and Accessories

41

Tires

42

Batteries

43

Automotive Accessories

44

Automotive Glass

45

Car Wash

46–69
70
71–77

Unassigned Automotive Products and Services
Cigarettes and Tobacco
Unassigned Food and Grocery Items

78

Health and Beauty Aids

79

Miscellaneous Grocery

80

Soda

81

Beer and Wine

82

Milk and Juice

83–89
90
91–99

272

Description

Unassigned Beverage Items
Miscellaneous
Unassigned

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B: Industry Codes

B.5 Voyager Product Codes
This section includes the following product codes:
• B.5.1 Voyager Fuel Product Codes, pg. 273
• B.5.2 Voyager Non-Fuel Product Codes, pg. 274

B.5.1 Voyager Fuel Product Codes
Voyager Fuel Product Codes
Product Code

Description

01

UNLEADED

02

UNLEADED PLUS

03

FUTURE USE

04

SUPER UNLEADED

05

DIESEL

06

AVIATION

07

JET FUEL

08

MARINE

50

PROPANE

51

NATURAL GAS

52

METHANOL

53

ETHANOL

54

KEROSENE

55

10% GASOHOL

56

7.7% GASOHOL

57

5.7% GASOHOL

58

WHITE GAS

59

COMPR NAT GAS(CNG)

60

DUAL PROPANE/UNLDED

61

WIDE NOZZLE UNLEADED

62

SPECIAL MTR FUEL LPG

63

OTHER FUEL

64

M 85

65

DIESEL WITHOUT TAX

66

E 85

67

LIQUIFIED NATURAL GAS

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Voyager Fuel Product Codes
Product Code
68
D0 (zero)

Description
UNLEADED WITHOUT TAX
BIO DIESEL

D1

5.7% UNLEADED BLEND

D2

7.7% UNLEADED BLEND

D3

10% UNLEADED BLEND

D4

5.7% UNLD PLUS BLEND

D5

7.7% UNLD PLUS BLEND

D6

10% UNLD PLUS BLEND

D7

5.7% UNLD SUPER BLND

D8

7.7% UNLD SUPER BLND

D9

10% UNLD SUPER BLND

B.5.2 Voyager Non-Fuel Product Codes
Voyager Non-Fuel Product Codes
Product Code

274

Description

09

OIL

10

ACCESSORIES

11

COOLING SYSTEM

12

CHARGING SYSTEM

13

FLUIDS

14

FOOD

15

TIRE AND TUBE

16

TUBES

17

AVIONICS

18

OIL FILTER AND SERV

19

PARTS

20

REPAIRS

21

SERVICE

22

STORAGE

23

TIRES

24

TIRES AND TUBE REPAIR

25

LABOR

26

FEDERAL EX TAX TIRE

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B: Industry Codes

Voyager Non-Fuel Product Codes
Product Code

Description

27

WASH JOB

28

WASH AND LUBE

29

WASH AND POLISH

30

MAINTENANCE

31

LUBE

32

STATE INSPECTION

33

MISCELLANEOUS

34

SALES TAX

35

LOCATION DISCOUNT

36

PARTICIPANT DISCOUNT

37

AIR FILTERS

38

AUTO/MAN TRANS SERV

39

AIR CONDITION SERV

40

FUEL INJECT CLEAN SV

41

RADIATOR SERVICE

42

TIRE ROTATION

43

WIPER BLADE

44

BELTS-SERVICE&REPLACEMENT

45

FULL SERVICE OIL CHANGE

46

FRONT/REAR DIFF SERVICE

47

BREATHERS/PCV VALVES

48

AUTOMOTIVE GLASS

49

FUEL ADDITIVES

70

TOW

71

FLAT

72

NON-CONTRACTED SERV

73

BATTERY

74

GAS/ROADSIDE SERVICE

75

STALLED

76

LOCKOUT

77

NO SERVICE RENDERED

78

AMBULANCE

79

OTHER

80

AVIATION MAINTENANCE

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Voyager Non-Fuel Product Codes
Product Code

276

Description

81

DE-ICING

82

APU OR AIRCRAFT JUMP SEAT

83

AVIATION CATERING

84

TIEDOWN OR HANGER

85

LANDING FEE

86

RAMP FEE

87

CALL OUT FEE

88

PLANE RENTAL

89

INSTRUCTIONAL FEE

90

MISCELLANEOUS AVIATION

91

FLIGHT PLANNING FEE

92

WEATHER FEE

93

CHARTER FEES

94

GROUND HANDLING

95

COMMUNICATION FEES

96

AIRCRAFT CLEANING

97

CARGO HANDLING

98

AVIATION ACCESSORIES

99

FUTURE USE

M0

CAB, CLIMATE CNTL & AERO

M1

AIR COND, HEATING & VENTI

M2

CAR & SHEET METAL

M3

INSTRUMENTS, GAUGE, WARNI

M4

AERODYNAMIC DEVICES

M5

CHASSIS GROUP

M6

AXLES - NON DRIVEN, FRONT

M7

AXLES - NON DRIVEN, REAR

M8

BRAKES

M9

FRAME

N0

STEERING

N1

SUSPENSION

N2

WHEELS RIMS HUBS & BEARIN

N3

AUTO/MANU CHASSIS LUBRICA

N4

DRIVE TRAIN GROUP

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B: Industry Codes

Voyager Non-Fuel Product Codes
Product Code

Description

N5

AXLES-DRIVEN, FRONT STEER

N6

AXLES-DRIVEN, REAR

N7

CLUTCH

N8

DRIVE SHAFTS

N9

TRANSFER CASE

O0

TRANSMISSION-MAIN, MANUAL

O1

TRANSMISSION-MAIN, AUTO

O2

AUXILIARY TRANSMISSION

O3

AUX SEC-MAIN TRANS, MANU

O4

ELECTRICAL GROUP

O5

CRANKING SYSTEM

O6

IGNITION SYSTEM

O7

LIGHTING SYSTEM

O8

MULTI-FUNC ELECT DEVICES

O9

ENGINE/MOTOR SYSTEMS

P0

AIR INTAKE SYSTEM

P1

EXHAUST SYSTEM

P2

FUEL SYSTEM

P3

POWER PLANT

P4

ELECTRIC PROPULSION SYSTE

P5

MUL SYS(40-46) FILTER KIT

P6

EXPANDABLE ITEMS

P7

HORNS & SIGNAL ALARMS

P8

CARGO HANDLING RESTRAINT

P9

POWER TAKE OFF

Q0

SPARE WHEEL MOUNTING

Q1

WINCH

Q2

VEHICLE COUPLING SYSTEM

Q3

SPECIAL APPLICATIONS GRP

Q4

TERMINAL EQUIPMNT-SYS & A

Q5

CONSTRU EQUIP-CHASSIS MOU

Q6

SATELLITE COMM SYSTEM

Q7

HYDRAULIC SYSTEMS - S APP

Q8

BODIES AND VESSELS GROUP

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Voyager Non-Fuel Product Codes
Product Code

278

Description

Q9

BODY

R0

REAL WALL & DOOR

R1

TANK VESSEL-INNER SHELL

R2

TANK VESSEL-OUTER JACKET

R3

MANHOLES

R4

RINGS & BOLSTERS

R5

TRAILER FRAME & SUPPORT

R6

TRIM & MISC HARDWARE

R7

SAFTY DEVICES

R8

HEATING & REFRIGERATION G

R9

HEATING UNIT

S0

MECHANICAL REFRIG UNIT

S1

NITROGEN REFRIG UNIT

S2

HOLDOVER PLATE REFRIGERAT

S3

BULK PRODUCT TRANSFER SYS

S4

BLOWERS, CONVEYORS & VIBR

S5

COMPRESSOR-BULK PROD SYS

S6

ENGINE (AUXILIARY)

S7

LINES TUBES HOSES & ATTIN

S8

MANIFOLD

S9

POWER SHAFT-POWER TAKE OF

T0

PUMP-PRODUCT TRANSFER

T1

VALVES & CONTROLS-BULK PR

T2

SAFETY DEVICES,INSTRU & G

T3

RE-REFINED OIL

T4

DISPOSAL/WASTE FEE

T5

EMISSION TEST FEE

T6

TRANSMISSION

T7

DO NOT USE – REVERSE TRANS

T8

AUTO PAINT

T9

RADIO MAINT

U1

ALIGNMENT

U2

PREV MAINT

V1

KEY CHAINS

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B: Industry Codes

Voyager Non-Fuel Product Codes
Product Code

Description

V2

ACCOUNT SET UP

V3

ELECTRONIC FILE

V4

OVERNIGHT CARD

V5

CUSTOMIZED REPORT

V6

FLEET COMMANDER

V7

CUSTOMIZED QUERY

V8

MEDIA FEE

V9

BILLING REPRINT

VA

CARD REISSUE

VB

MOCHA ONLINE

W2

AUTO SIDE GLASS

W3

AUTO BACK GLASS

WI

AUTO WINDSHIELD GLASS

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

B.6 WEX Supported Conexxus Product Codes
Table B-8 WEX Supported Conexxus Product Codes
Product Code

280

Conexxus Description

WEX Description

001

Unleaded Regular

Unleaded

002

Unleaded Plus

Unleaded Plus

003

Unleaded Super

Super Unleaded

004

Unleaded 4

N/A

005

Unleaded 5

N/A

006

Gas / Methanol 1

Unleaded 5.7 methanol blend

007

Gas / Methanol 2

Unleaded Plus 5.7% methanol blend

008

Gas / Methanol 3

Super Unleaded 5.7% methanol blend

009

Gas / Methanol 4

Unleaded 7.7% methanol blend

010

Gas / Methanol 5

Unleaded Plus 7.7% methanol blend

011

Gas / Ethanol 1

Unleaded 5.7 ethanol blend

012

Gas / Ethanol 2

Unleaded Plus 5.7% ethanol blend

013

Gas / Ethanol 3

Super Unleaded 5.7% ethanol blend

014

Gas / Ethanol 4

Unleaded 7.7% ethanol blend

015

Gas / Ethanol 5

Unleaded Plus 7.7% ethanol blend

016

Methanol / Leaded

Methanol / Leaded

017

Ethanol / Leaded

Ethanol / Leaded

018

Leaded

Leaded

019

Regular Diesel #2

Regular Diesel (Taxed)

020

Premium Diesel #2

Premium Diesel (Taxed)

021

Diesel #1

N/A

022

Compressed Natural Gas

Compressed Natural Gas

023

Liquid Propane Gas

Liquid Propane Gas

024

Liquid Natural Gas

Liquid Natural Gas

025

M-85

M-85

026

E-85

E-85

027

Unleaded - Reformulated 1

N/A

028

Unleaded - Reformulated 2

N/A

029

Unleaded - Reformulated 3

N/A

030

Unleaded - Reformulated 4

N/A

031

Unleaded - Reformulated 5

N/A

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B: Industry Codes

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code

Conexxus Description

WEX Description

032

Diesel 1 Off-Road (#1 and #2 Non-Taxable)

Diesel Off Road / Farm Fuel

033

Ultra Low Sulfur Diesel Off-Road (Non-Taxable)

Diesel Refrigerator Fuel

034

Biodiesel Blend Off-Road (Non-Taxable)

N/A

035

Ultra Low Sulfur Biodiesel Blend Off-Road
(Non-Taxable)

Other Farm Fuel or Refrigerator Fuel

036

Racing Fuel

Racing Fuel

037

Super Unleaded Methanol

Super Unleaded 7.7% methanol blend

038

Unleaded Methanol

Unleaded 10% methanol blend

039

Undefined Plus Methanol

Unleaded Plus 10% methanol blend

040

Super Unleaded Methanol

Super Unleaded 10% methanol blend

041

Super Unleaded Ethanol

Super Unleaded 7.7% ethanol blend

042

Unleaded Ethanol

Unleaded 10% ethanol blend

043

Unleaded Plus Ethanol

Unleaded Plus 10% ethanol blend

044

Super Unleaded Ethanol

Super Unleaded 10% ethanol blend

045

B2 Diesel Blend 2% Biodiesel

046

B5 Diesel Blend 5% Biodiesel

047

B10 Diesel Blend 10% Biodiesel

048

B11 Diesel Blend 11% Biodiesel

049

B15 Diesel Blend 15% Biodiesel

050

B20 Diesel Blend 20% Biodiesel

051

B100 Diesel Blend 100% Biodiesel

052

Ultra Low Sulfur #1

053

Ultra Low Sulfur #2

054

Ultra Low Sulfur Premium Diesel #2

055

Ultra Low Sulfur Biodiesel Blend 2%

056

Ultra Low Sulfur Biodiesel Blend 5%

057

Ultra Low Sulfur Biodiesel Blend 10%

058

Ultra Low Sulfur Biodiesel Blend 11%

059

Ultra Low Sulfur Biodiesel Blend 15%

060

Ultra Low Sulfur Biodiesel Blend 20%

061

Ultra Low Sulfur Biodiesel Blend 100%

062

Diesel Exhaust Fluid

063–070

Undefined Fuel – Reserved for Conexxus
Future Use

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code

WEX Description

071

Auth Only

Fuel, grade unknown at Auth

072

Auth Only

Diesel, grade unknown at Auth

073

Auth Only

Alt. Fuel grade unknown at Auth

074

Auth Only

Multi Fuel, grade unknown at Auth

075

Auth Only

Multi Product, product unknown at Auth

Undefined Fuel, reserved for Proprietary

Undefined Fuel, reserved for Proprietary

099

Miscellaneous Fuel

Miscellaneous Fuel

100

General Automotive Merchandise

General Automotive Merchandise

101

Motor Oil

Motor Oil

102

Car Wash

Car Wash

103

Oil Change

Oil Change

104

Oil Filter

Oil Filter

105

Work Order

Work Order

106

Anti-Freeze

Anti-Freeze

107

Washer Fluid

Washer Fluid

108

Brake Fluid

Brake Fluid

109

Tires

Tires

110

Federal Excise Tax (Tires)

Federal Excise Tax (Tires)

111

Tire Rotation

Tire Rotation

112

Batteries

Batteries

113

Lube

Lube

114

Inspection

Inspection

115

Labor

Labor

116

Towing

Towing

117

Road Service

Road Service

118

Auto Accessories

Auto Accessories

119

Auto Parts

Auto Parts

120

Preventive Maintenance

Preventive Maintenance

121

Air Conditioning Service

Air Conditioning Service

122

Engine Service

Engine Service

123

Transmission Service

Transmission Service

124

Brake Service

Brake Service

125

Exhaust Service

Exhaust Service

126

Body Work

Body Work

076–098

282

Conexxus Description

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B: Industry Codes

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code

Conexxus Description

WEX Description

127

Automotive Glass

128

Synthetic Motor Oil

129

Undefined Parts / Service

Lamps

130

Undefined Parts / Service

Wipers

131

Undefined Parts / Service

Hoses

132

Undefined Parts / Service

Tire related, Wheel Balance, Valve Stem

133

Undefined Parts / Service

Repairs or Service

134

Undefined Parts / Service

Service Package

135

Automotive Parking

Automotive Parking

136

Truck Tank Cleaning

Truck Tank Cleaning

137

Other Lubricants

Other Lubricants

138

Automotive Fuel Additives / Treatment
(injected)

139

Vehicle Rental

Car Rental

140

Air Filter

Filters

141

Vehicle Prep

Auto Detail

142

Fuel System

Service Package

143–148

Automotive Glass

Undefined Parts / Service

149

Misc. Parts and Service

Front End, Shocks & Springs, Flush & Fill, or
Automotive Detailing

150

Jet Fuel Regular

Jet Fuel A

151

Jet Fuel Premium

Jet Fuel A with Additives

152

Jet Fuel JP8

Jet Fuel B turbo

153

Aviation Fuel 3

Jet Fuel JP8

154

Aviation Fuel 4

Aviation Gas 100LL

155

Aviation Fuel 5

Aviation Gas 80LL

156–173

Undefined Aviation Fuel

174

Miscellaneous Aviation Fuel

Miscellaneous Aviation Fuel

175

Storage

Storage

176

Aircraft Ground Handling

Aircraft Ground Handling

177

Aircraft Ground Power Unit

Aircraft Ground Power Unit

178

Aircraft Labor

Aircraft Labor

179

Aircraft Work Order

Aircraft Work Order

180

Aircraft Maintenance

Aircraft Maintenance

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code

WEX Description

181

Aircraft Service

Aircraft Service

182

Transportation

Transportation

183

De-icing

De-icing

184

Ramp Fees

Ramp Fees

185

Catering

Catering

186

Hangar Fee

Hangar Fee

187

Landing Fee

Landing Fee

188

Call Out Fee

Call Out Fee

189

Aircraft Rental

Aircraft Rental

190

Instruction Fee

Instruction Fee

191

Flight Plans / Weather Brief

Flight Plans / Weather Brief

192

Charter Fee

Charter Fee

193

Communication Fee

Communication Fee

194

Aircraft Cleaning

Aircraft Cleaning

195

Cargo Handling

Cargo Handling

196

Aircraft Accessories

Aircraft Accessories

197

Undefined Aviation

Pilot Supplies

198

Undefined Aviation

Aircraft Parking Fees

199

Undefined Aviation

Aircraft Tie down Fees

200

Undefined Aviation

Aircraft Sanitation Fees

201

Undefined Aviation

Aviation Fuel Additive

202–223

Undefined Aviation

Undefined Aviation

224

Miscellaneous Aviation

Airline Fee, APT Airport Fees, or
Miscellaneous Aviation

225

Marine Fuel 1

Marine Fuel 1

226

Marine Fuel 2

Marine Fuel 2

227

Marine Fuel 3

Marine Fuel 3

228

Marine Fuel 4

Marine Fuel 4

229

Marine Fuel 5

Marine Fuel 5

230

Marine - Other

Marine - Other

Undefended Marine Fuel

Unidentified Marine Fuel

249

Miscellaneous Marine Fuel

Miscellaneous Marine Fuel

250

Marine Service

Marine Service

251

Marine Labor

Marine Labor

231–248

284

Conexxus Description

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B: Industry Codes

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code

Conexxus Description

WEX Description

252

Marine Work Order

Marine Work Order

253

Launch Fee

Launch Fee

254

Slip Rental

Slip Rental

Undefined Marine Services

Undefined Marine Services

299

Miscellaneous Marine Service

Miscellaneous Marine Service

300

Kerosene – Low Sulfur

Kerosene

301

White Gas

White Gas

302

Heating Oil

Heating Oil

303

Bottled Propane

Bottled Propane

304

Other Fuel (Non-Taxable)

Other Fuel (Non-Taxable)

305

Kerosene – Ultra Low Sulfur

306

Kerosene – Low Sulfur (non-taxable)

307

Kerosene – Ultra Low Sulfur (non-taxable)

255–298

308–398

Undefined Other Fuel

Undefined Other Fuel

399

Miscellaneous Other Fuel

Miscellaneous Other Fuel

400

General Merchandise

General Merchandise

401

General Ice

General Ice

General Undefined

General Unidentified

410

General Tobacco

General Tobacco

411

Cigarettes

Cigarettes

412

Tobacco - Other

Tobacco - Other

Undefined Tobacco

Unidentified Tobacco

420

General Packaged Beverage

General Packaged Beverage

421

Packaged Beverages (non-alcoholic)

Packaged Beverages (non-alcoholic)

422

Juice

Juice

423

Other Packaged Beverages

Other Packaged Beverages

Undefended Packaged Beverage

Undefended Packaged Beverage

430

General Dispensed Beverage

General Dispensed Beverage

431

Hot Dispensed Beverage

Hot Dispensed Beverage

432

Cold Dispensed Beverage

Cold Dispensed Beverage

433

Frozen Dispensed Beverage

Frozen Dispensed Beverage

434

Other Dispensed Beverage

Other Dispensed Beverage

Undefined Dispensed Beverage

Undefined Dispensed Beverage

General Snacks

General Snacks

402–409

413–419

424–429

435–439
440

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B: Industry Codes

HPS Integrator’s Guide V 16.1.1

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code

WEX Description

441

Salty Snacks

Salty Snacks

442

Alternative Snacks

Alternative Snacks

443

Sweet Snacks - Packaged

Sweet Snacks - Packaged

Undefined Snacks

Undefined Snacks

General Candy

General Candy

Undefined Candy

Undefined Candy

460

General Dairy

General Dairy

461

Fluid Milk Products

Fluid Milk Products

462

Packaged Ice Cream/Novelties

Packaged Ice Cream/Novelties

463

Other Dairy

Other Dairy

464–469

Undefined Dairy

Undefined Dairy

470

General Grocery

General Grocery

471

Groceries - Edible

Groceries - Edible

472

Groceries - Non-Edible

Groceries - Non-Edible

473

Groceries - Perishable

Groceries - Perishable

474

Bread - Packaged

Bread - Packaged

475

Frozen Foods

Frozen Foods

Undefined Grocery

Undefined Grocery

480

General Alcohol

General Alcohol

481

Beer - Alcohol

Beer - Alcohol

482

Beer - Non-Alcoholic

Beer - Non-Alcoholic

483

Wine

Wine

484

Liquor

Liquor

Undefined Alcohol

Undefined Alcohol

490

General Deli

General Deli

491

Packaged Sandwiches/Deli Products

Packaged Sandwiches/Deli Products

492

Prepared Foods

Prepared Foods

493

Deli Items

Deli Items

Undefined Deli

Undefined Deli

General Food Service

General Food Service

444–449
450
451–459

476–479

485–489

494–499
500
501–509

286

Conexxus Description

Undefined Food Service

510

General Lottery

General Lottery

511

Lottery - Instant

Lottery - Instant

512

Lottery - Online

Lottery - Online

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B: Industry Codes

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code
513

Conexxus Description

WEX Description

Lottery - Other

Lottery - Other

Undefined Lottery

Undefined Lottery

520

General Money Order

General Money Order

521

Money Order - Vendor Payment

Money Order - Vendor Payment

522

Money Order - Payroll Check

Money Order - Payroll Check

523

Money Order - Gift Certificate

Money Order - Gift Certificate

524

Money Order - Refund Check

Money Order - Refund Check

525

Money Order - Official Check

Money Order - Official Check

526

Money Order - Rebate Check

Money Order - Rebate Check

527

Money Order - Dividend Check

Money Order - Dividend Check

528

Money Order - Utility Check

Money Order - Utility Check

529

Undefined Money Order

Undefined Money Order

530

General Store Services

General Store Services

531

Home Delivery

Home Delivery

532

Prepaid Cards - Purchase

Prepaid Cards - Purchase

533

Prepaid Cards - Activation/Recharge

Prepaid Cards - Activation/Recharge

514–519

534–539
540
541–549
550

Undefined Store Services
General Health & Beauty Care

General Health & Beauty Care

Undefined Health & Beauty Care
General Publications

551–559

Undefined Publications

560–599

Undefined Merchandise

600–799

Reserved for Future Use

General Publications

Undefined Merchandise

800

Reserved for Proprietary Use

WEX use only. Management Control Card
Approved

801

Reserved for Proprietary Use

WEX use only. Replacement Card Fee (WEX
generated; used for some Partner Billed
Cobrands)

802

Reserved for Proprietary Use

WEX use only. Tax Exempt (WEX generated;
used to populate OFFIS Trnx Detail).

803

Reserved for Proprietary Use

Environmental Disposal Fee

804

Reserved for Proprietary Use

Car Rental

Reserved - Proprietary Use

Reserved - Proprietary Use

900

Discount 1

Discount Fuel

901

Discount 2

Discount Non-Fuel

805–899

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HPS Integrator’s Guide V 16.1.1

Table B-8 WEX Supported Conexxus Product Codes (Continued)
Product Code

WEX Description

902

Discount 3

Discount 3

903

Discount 4

Discount 4

904

Discount 5

Discount 5

905

Coupon 1

Coupon Fuel

906

Coupon 2

Coupon Non-Fuel

907

Coupon 3

Coupon 3

908

Coupon 4

Coupon 4

909

Coupon 5

Coupon 5

910

Lottery Pay Out - Instant

Lottery Pay Out - Instant

911

Lottery Pay Out - Online

Lottery Pay Out - Online

912

Lottery Pay Out - Other

Lottery Pay Out - Other

913

Auth Only

Split Tender

Undefined Negative

Undefined Negative

949

Miscellaneous Negative Administration

Miscellaneous Negative Administration

950

Tax 1

Sales Tax Non-Fuel

951

Tax 2

Federal Excise Tax (Non-Fuel)

952

Tax 3

StateTax (Aviation Only)

953

Tax 4

Federal Excise Tax (Aviation Only)

954

Tax 5

Miscellaneous Fuel Tax (Aviation Only)

957

Fee 1

Fee 1

958

Fee 2

Fee 2

959

Fee 3

Fee 3

960

Fee 4

Fee 4

961

Fee 5

Fee 5

962

Miscellaneous Aviation Tax

Miscellaneous Aviation Tax (Aviation Only)

963

GST/HST (Canadian) / VAT 1

GST/HST (Canadian) VAT 1

964

PST/QST (Canadian) / VAT 2

PST/QST (Canadian) VAT 2

965

SWT Rate (Canadian)

SWT Rate (Canadian)

Unidentified Administrative

Unidentified Administrative

Miscellaneous Administrative

Miscellaneous Administrative

914–948

966–998
999

288

Conexxus Description

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C: Receipt Requirements

Appendix C: Receipt Requirements
C.1 General Receipt Requirements
The following are industry requirements for all cards:
• Merchant Name and Location (city, state, and zip)
• Transaction Date and Time
• Account Number must be masked (no spaces), print last four digits
• Total Transaction Amount
• Surcharge or Fee, if charged
• Transaction Payment Type (VISA, MasterCard, AMEX, etc.)
• Transaction Receipt Type (Sale, Refund, Cash disbursement, etc.)
• Quantity and Description of goods or service returned or refunded.
• Authorization Code (same as Approval Number, Authorization Number, Authorization ID
Response, and Approval Code)
• Signature line on the merchant copy, including return receipts (unless eligible for the No
Signature Required Program or from an unattended terminal)
• Language to be printed under the signature line, such as “I agree to pay above amount
according to card issuer agreement.”
• Store Return Policy (near to the signature line)
• Remaining Balance (must be printed for face-to-face transactions when present in the
authorization response)
• Wording indicating: Merchant Copy or Cardholder Copy
Note: The Expiration Date must never be printed.

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C.2 Additional Receipt Requirements by Card Types
The following table lists additional requirements for specific card types. There may be other
notations within the spec regarding receipts for these card types, for cards not listed in this
section, or for private label cards. Additional receipt requirements may also be client-specified.
Table C-1 Additional Receipt Requirements by Card Types
Card Type

Additional Receipt Requirements

Centego

• System Trace Audit Number (STAN)
• Activation receipt must indicate that the card has been activated and include the card
balance.

Contact and
Contactless Chip Card

• See section 7.5 EMV Receipts, pg. 151.

Discover

• Cash Over Amount
• Cardholder Name as it appears on the card, if present, and signature required

EBT

•
•
•
•
•
•

System Trace Audit Number (STAN)
Purchase Type (Food Stamp or Cash Benefit)
Debit Authorizer
Cash Back Amount
Product Description
Ledger Balance (only if not zero)

Note: If multiple balances are returned to the POS, they should be printed.
eCommerce

•
•
•
•

Merchant Online Address
Unique Transaction Identification Number
Purchaser Name
Description of merchandise or service

FleetCor

•
•
•
•

Odometer
Vehicle Card Number (last four or six digits)
Items purchased, including: quantity, gallons, product description, price-per-gallon
Receipt text if returned in the response message (must be printed at the bottom of the
receipt)

Note: The Identification Number, Driver Number and Driver ID must never be printed.
Fleet One

• Odometer
• Items purchased, including: quantity, gallons, product description
• Price-per-gallon is optional
Note: The Driver ID and PIN Number must never be printed.

Heartland Gift Card

290

• For an inside sale, the remaining balance sent back to the terminal (in the
HOST-RESP-AREA) must be printed on the receipt, as well as being displayed at the
terminal.
• For an outside sale, the remaining balance printed on the receipt is calculated by
subtracting the completed purchase from the balance sent back in the
HOST-RESP-AREA.
• The format of the receipt must follow guidelines set forth by the customer.

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C: Receipt Requirements

Table C-1 Additional Receipt Requirements by Card Types (Continued)
Card Type
MasterCard Fleet

Additional Receipt Requirements
• Customer Name, if available
• Items purchased, including: quantity, gallons, product description, price-per-gallon
Note: The Driver Number and ID Number must never be printed.

PayPal

• Print “PayPal” on the receipt.

PIN Debit

• Account Type
• Cash Back Amount
• Network Name/Network Verbiage

Stored Value Systems
(SVS)

• System Trace Audit Number (STAN)
• Activation receipt must indicate that the card has been activated and include the card
balance

ValueLink

• System Trace Audit Number (STAN)
• Activation receipt must indicate that the card has been activated and include the card
balance

VISA Fleet

• Items purchased, including: quantity, gallons, product description, price-per-gallon
• Odometer
Note: The Driver ID, Driver Number and Vehicle ID must never be printed.

VISA ReadyLink

• Load amount authorized
• Load card service fee, if applicable
Note: If a Load transaction is unsuccessful, must indicate the reason the transaction
failed. No response from the Host is a valid reason.

Voyager Fleet

• Expiration Date
• Invoice Number
• Odometer must be printed on the receipt if prompted
Note: The Driver/Vehicle Identification Number or PIN Number must never be printed.

WEX Fleet

•
•
•
•
•
•
•
•
•
•
•
•
•
•
•

Account Number (masked with the first six digits and last four digits)
Approval Code
Expiration Date is optional
Fuel or Product Description (for non-fuel items, tax may be required)
Site Name
Physical Site Address, including: city, state/province and zip/postal code
Heartland Unit/Store Number
Heartland Terminal ID
Product Description (tax may be required for non-fuel items)
Price per unit of measure by Product Code
Quantity for each Product Code
Total amount by Product Code
Retrieval Reference Number
Vehicle Card Number / Purchase Device Sequence Number
Odometer (do not print any other prompt values)

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HPS Integrator’s Guide V 16.1.1

Appendix D: State Codes / Region Codes
Non-alpha terminals use the numeric state code value.
Table D-1 State Codes
Numeric
Value

Alpha
Value

Alabama

01

AL

Alaska

02

AK

Arizona

04

AZ

Arkansas

05

AR

California

06

CA

Colorado

08

CO

Connecticut

09

CT

Delaware

10

DE

District of Columbia

11

DC

Florida

12

FL

Georgia

13

GA

Hawaii

15

HI

Idaho

16

ID

Illinois

17

IL

Indiana

18

IN

Iowa

19

IA

Kansas

20

KS

Kentucky

21

KY

Louisiana

22

LA

Maine

23

ME

Maryland

24

MD

Massachusetts

25

MA

Michigan

26

MI

Minnesota

27

MN

Mississippi

28

MS

Missouri

29

MO

Montana

30

MT

Nebraska

31

NE

Nevada

32

NV

State

292

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D: State Codes / Region Codes

Table D-1 State Codes (Continued)
Numeric
Value

Alpha
Value

New Hampshire

33

NH

New Jersey

34

NJ

New Mexico

35

NM

New York

36

NY

North Carolina

37

NC

North Dakota

38

ND

Ohio

39

OH

Oklahoma

40

OK

Oregon

41

OR

Pennsylvania

42

PA

Rhode Island

44

RI

South Carolina

45

SC

South Dakota

46

SD

Tennessee

47

TN

Texas

48

TX

Utah

49

UT

Vermont

50

VT

Virginia

51

VA

Washington

53

WA

West Virginia

54

WV

Wisconsin

55

WI

Wyoming

56

WY

State

Other US Related Codes
American Samoa

60

AS

Guam

66

GU

Military

99

MM

Northern Mariana Island

80

MP

Puerto Rico

72

PR

Virgin Islands

78

VI

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FIPS 10-4 is the source for the numeric code (n2). ISO 3166-2:1998 is the source for the
alphabetic code (a2) and the description.
Table D-2 Region Codes: Canada (Province Codes)

294

Alpha Value
(a2)

Numeric Value
(n2)

AB

01

Alberta

BC

02

British Columbia

MB

03

Manitoba

NB

04

New Brunswick

NF

05

Newfoundland

NS

07

Nova Scotia

NT

06

Northwest Territories

NU

13

Nunavut

ON

08

Ontario

PE

09

Prince Edward Island

QC

10

Quebec

SK

11

Saskatchewan

YT

12

Yukon Territory

Description

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E: EMV Field Definitions

Appendix E: EMV Field Definitions
This section provides a detailed definition of EMV Data fields passed between the terminal and
the host when processing EMV transactions. The components of each field consist of the tag,
length, and value (TLV) subfields and a field separator. The TLV fields may be in any order.
Note: Usage conditions are provided for each field (conditional, mandatory, etc.).
For all fields: If the field is received from the reader, the POS must send it to
Heartland even if its usage is notated as conditional.
Differences in TLV Transmission to Host
The format of these fields is dependent upon the network platform you use (8583, Exchange, Portico, NTS, Z01,
SpiDr).

Example: How do you send Amount, Authorised of $1234.56 to the host?
The TLV would be 9F0206000000123456 (hex). See the binary and ASCII Hex
examples below:
Binary Example
Table E-1 POS 8583: Binary Example
Format

Byte 1

Byte 2

Byte 3

Byte 4

Byte 5

Byte 6

Byte 7

Byte 8

Byte 9

hex

9F

02

06

00

00

00

12

34

56

decimal

159

2

6

0

0

0

22

52

86

binary

10011111

00000010

00000110

00000000

00000000

00000000

00010010

00110100

01010110

ASCII Hex Example
Table E-2 Exchange, Portico, NTS, Z01, SpiDr: ASCII Hex Example
Format

Byte 1

Byte 2

Byte 3

Byte 4

Byte 5

Byte 6

Byte 7

Byte 8

Byte 9

char

‘9’

‘F’

‘0’

‘2’

‘0’

‘6’

‘0’

‘0’

‘0’

hex

39

46

30

32

30

36

30

30

30

decimal

57

70

48

50

48

54

48

48

48

Format

Byte 10

Byte 11

Byte 12

Byte 13

Byte 14

Byte 15

Byte 16

Byte 17

Byte 18

char

‘0’

‘0’

‘0’

‘1’

‘2’

‘3’

‘4’

‘5’

‘6’

hex

30

30

30

31

32

33

34

35

36

decimal

48

48

48

49

50

51

52

53

54

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HPS Integrator’s Guide V 16.1.1

These are general definitions only. Refer to the network platform specifications for full usage
requirements of these fields.

E.1 Additional Terminal Capabilities
Table E-3 Additional Terminal Capabilities
Tag:

9F40

Description:

This field contains the POS terminal input and output capabilities.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

0111 0000 0000 0000 1111 0000 1011 0000 0000 0001 (binary)

Example TLV:

9F40057000F0B001 (hex)

E.2 Amount, Authorised (Numeric)
Table E-4 Amount, Authorised (Numeric)
Tag

9F02

Description:

The Amount, Authorised (Numeric) contains the authorized amount of the transaction. In
the Authorization request message this is the amount known and sent to the card when
calculating the Application Cryptogram. This amount may not always match the
authorization amount specified elsewhere in the messaging outside of the DE55 EMV tag
data if the amount was adjusted after cryptogram generation.
It must contain numeric right-justified data with leading zeros. If the transaction includes a
cashback amount, this field includes the purchase amount plus the cashback amount.

296

Source:

POS Terminal

Usage:

Mandatory for EMV contact, EMV contactless, and MSD contactless transactions.

Format:

n 12

Binary Length:

6

ASCII Hex Length:

12

Example Value:

12345 (decimal)

Example TLV:

9F0206000000012345 (hex)

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E: EMV Field Definitions

E.3 Amount, Other (Numeric)
Table E-5 Amount, Other (Numeric)
Tag:

9F03

Description:

This field contains the cashback amount used by the chip card when calculating the
Application Cryptogram. It must contain numeric right-justified data with leading zeros. If
the transaction does not include a cashback amount, the Amount, Other (Numeric) field
must be all zeros.

Source:

POS Terminal

Usage:

Mandatory for EMV contact, EMV contactless, and MSD contactless transactions.

Format:

n 12

Binary Length:

6

ASCII Hex Length:

12

Example Value:

123456 (numeric)

Example TLV:

9F03060000004000 (hex)

E.4 Application Cryptogram
Table E-6 Application Cryptogram
Tag:

9F26

Description:

This field contains the cryptogram returned by the chip card in response to the Generate
AC command.
There are four types of Application Cryptogram:
• ARQC (Authorization Request Cryptogram): Used in Online processing. This is a
cryptogram requested by the POS and generated by the Chip Card at the end of the first
round of Card Action Analysis step for transactions requiring online authorization. It is
included in the authorization request or full financial request sent to the Issuer and it
allows the Issuer to verify the validity of the Chip Card and message. When validated by
the Issuer, the ARQC confirms that the Chip Card has not been copied or changed.
• TC (Transaction Certificate): A type of cryptogram generated by the card for online and
offline transactions to indicate that the transaction was completed and approved by the
chip card.
• AAC (Application Authentication Cryptogram): A type of cryptogram generated by
the Chip Card when a transaction is declined (at the end of offline or online declined
transaction) to indicate the card declined the transaction.
• ARPC (Authorization Response Cryptogram): Used in Online processing. A
cryptogram generated by the Issuer in response to an ARQC. It is sent in the
authorization response back to the acquirer Host to the POS. The POS sends this
cryptogram back to the Chip Card with a response code accepting or declining the
transaction. The Chip Card’s receipt and validation of the ARPC confirms approval
response from the Issuer and ensures that it is communicating with the valid Issuer. This
cryptogram is also typically used to allow the Chip Card to reset counters.

Source:

Chip Card

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Table E-6 Application Cryptogram
Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

8

ASCII Hex Length:

16

Example Value:

0001 0010 0011 0100 0101 0110 0111 1000 1001 1010 1011 1100 1101 1110 1111 0001
(binary)

Example TLV:

9F2608123456789ABCDEF1 (hex)

E.5 Application Dedicated File (ADF) Name
Table E-7 Application Dedicated File (ADF) Name
Tag:

4F

Description:

This field is used to address an application in the chip card. An ADF Name consists of a
registered application provider identifier (RID) of five bytes, which is issued by the
ISO/IEC 7816-5 registration authority. This is followed by a proprietary application
identifier extension (PIX), which enables the application provider to differentiate between
the different applications offered.
The ADF Name is obtained during the application selection process. Previous versions of
the EMVCo specifications refer to this tag as Application Identifier (AID) – ICC.

298

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

5 to 16

ASCII Hex Length:

10 to 32

Example Value:

1010 0000 0000 0000 0000 0000 0000 0000 0000 0011 0001 0000 0001 0000 (binary)

Example TLV:

4F07A0000000031010 (hex)

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E: EMV Field Definitions

E.6 Application Identifier (AID) – Terminal
Table E-8 Application Identifier (AID) – Terminal
Tag:

9F06

Description:

This field is used to address an application in the chip card. An AID consists of a registered
application provider identifier (RID) of five bytes, which is issued by the ISO/IEC 7816-5
registration authority. This is followed by a proprietary application identifier extension (PIX)
which enables the application provider to differentiate between the different applications
offered. The AID is obtained during the application selection process.

Source:

POS Terminal

Usage:

Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

5 to 16

ASCII Hex Length:

10 to 32

Example Value:

1010 0000 0000 0000 0000 0000 0000 0000 0000 0011 0001 0000 0001 0000 (binary)

Example TLV:

9F0607A0000000031010 (hex)

E.7 Application Interchange Profile
Table E-9 Application Interchange Profile
Tag:

82

Description:

This field indicates the capabilities of the chip card to support specific functions in the
application.

Source:

Chip Card

Usage:

Mandatory for EMV contact and EMV contactless transactions. Mandatory for MSD
contactless transactions when available.

Format:

b

Binary Length:

2

ASCII Hex Length:

4

Example Value:

0111 1100 0000 0000 (binary)

Example TLV:

82027C00 (hex)

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E: EMV Field Definitions

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E.8 Application Label
Table E-10 Application Label
Tag:

50

Description:

The Application Label is the mnemonic associated with the AID according to ISO/IEC
7816-5.

Source:

Chip Card

Usage:

Conditional

Format:

ans

Binary Length:

1 to 16

ASCII Hex Length:

2 to 32

Example Value:

Credit

Example TLV:

5006437265646974 (hex)

E.9 Application Preferred Name
Table E-11 Application Preferred Name

300

Tag:

9F12

Description:

The Application Preferred Name is the mnemonic associated with the AID.

Source:

Chip Card

Usage:

Conditional

Format:

ans

Binary Length:

1 to 16

ASCII Hex Length:

2 to 32

Example Value:

Credit

Example TLV:

9F1206437265646974 (hex)

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E: EMV Field Definitions

E.10 Application Primary Account Number (PAN) Sequence
Number
Table E-12 Application Primary Account Number Sequence Number
Tag:

5F34

Description:

This field contains a counter maintained and supplied by the chip card. This field identifies
the card when multiple chip cards are associated with a single account number. If the chip
card does not contain an Application PAN Sequence Number, then the Application PAN
Sequence Number value subfield must be set to 00.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions. Mandatory for
MSD contactless transactions when available.

Format:

n2

Binary Length:

1

ASCII Hex Length:

2

Example Value:

2 (numeric)

Example TLV:

5F340102 (hex)

E.11 Application Transaction Counter (ATC)
Table E-13 Application Transaction Counter (ATC)
Tag:

9F36

Description:

This field contains the counter value maintained by the chip card. The chip card
increments this value for each transaction (including failed transactions).

Source:

Chip Card

Usage:

Mandatory for EMV contact and EMV contactless transactions.
Mandatory for MSD contactless transactions when available.

Format:

b

Binary Length:

2

ASCII Hex Length:

4

Example Value:

0001 0010 0011 0100 (binary)

Example TLV:

9F36021234 (hex)

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E: EMV Field Definitions

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E.12 Application Usage Control
Table E-14 Application Usage Control
Tag:

9F07

Description:

This field indicates the Issuer’s specified restrictions on the geographic usage and
services allowed for the chip card application.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

2

ASCII Hex Length:

4

Example Value:

1111 1111 0000 0000 (binary)

Example TLV:

9F0702FF00 (hex)

E.13 Application Version Number (ICC)
Table E-15 Application Version Number (ICC)

302

Tag:

9F08

Description:

This field is the version number of the chip card application.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

2

ASCII Hex Length:

4

Example Value:

0000 1000 1010 0001 (binary)

Example TLV:

9F080208C1 (hex)

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E: EMV Field Definitions

E.14 Application Version Number (Terminal)
Table E-16 Application Version Number (Terminal)
Tag:

9F09

Description:

The four-character numeric Application Version Number (Terminal) is the version number
of the POS terminal payment application.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

2

ASCII Hex Length:

4

Example Value:

0001 0000 0000 0001 (binary)

Example TLV:

9F09021001 (hex)

E.15 Authorisation Response Code
Table E-17 Authorisation Response Code
Tag:

8A

Description:

The two-character Authorisation Response Code (Tag 8A) defines the disposition of an
authorization request.
For online transactions, the terminal should generate the value as follows:
• 00 = Online approved. Should be sent to card at 2nd GENERATE AC if the host
response code indicates any approval, including partial approvals or card verifications.
• 05 = Online declined. Should be sent to card at 2nd GENERATE AC if the host response
code indicates any decline, i.e. anything that is not an approval. Also used if a partial
approval from the host is rejected at the terminal.
For offline transactions, the terminal should generate the value as follows:
• Y1 = Offline approved. Should be sent to host in offline approval advice if the card
approves offline at 1st GENERATE AC before attempt to go online.
• Z1 = Offline declined. Should be sent to host in offline decline advice if card declines
offline at 1st GENERATE AC before attempt to go online, or at 2nd GENERATE AC due
to bad ARPC cryptogram.
• Y3 = Unable to go online, offline approved. Should be sent to card at 2nd GENERATE
AC to request offline approval after failed attempt to go online. Should be sent to host in
offline approval advice if the card approves offline at 2nd GENERATE AC.
• Z3 = Unable to go online, offline declined. Should be sent to host in offline decline
advice if the card declines offline at 2nd GENERATE AC and the transaction is not
eligible for store-and-forward or stand-in processing.

Source:

POS Terminal

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Table E-17 Authorisation Response Code
Usage:

Optional field. Mandatory for offline decline advice transactions and offline approvals.

Format:

an 2

Binary Length:

2

ASCII Hex Length:

4

Example Value:

00 (alphanumeric)

Example TLV:

8A023030 (hex)

E.16 Cardholder Verification Method (CVM) Results
Table E-18 Cardholder Verification Method (CVM) Results
Tag:

9F34

Description:

This field indicates the results of the last CVM performed.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions when the result
of the last CVM performed is available.

Format:

b

Binary Length:

3

ASCII Hex Length:

6

Example Value:

1010 0100 0000 0000 0000 0010 (binary)

Example TLV:

9F3403A40002 (hex)

E.17 Cryptogram Information Data (CID)
Table E-19 Cryptogram Information Data (CID)
Tag:

9F27

Description:

This field indicates the type of cryptogram generated (TC, ARQC, or AAC), why the
cryptogram was generated, and actions that the chip card instructed the POS terminal to
perform.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

1

ASCII Hex Length:

2

Example Value:

1000 0000 (binary)

Example TLV:

9F270180 (hex)

304

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E.18 Customer Exclusive Data
Table E-20 Customer Exclusive Data
Tag:

9F7C

Description:

This field contains issuer proprietary data for transmission to the issuer.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contactless transactions if available.

Format:

b

Binary Length:

1 to 32

ASCII Hex Length:

2 to 64

Example Value:

0001 0010 0011 0100 0101 0110 0111 1000 (binary)

Example TLV:

9F7C0412345678 (hex)

E.19 Dedicated File Name
Table E-21 Dedicated File Name
Tag:

84

Description:

This field identifies the name of the Dedicated File as described in ISO/IEC 7816-4.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions. Mandatory for
MSD contactless transactions when available.

Format:

b

Binary Length:

5 to 16

ASCII Hex Length:

10 to 32

Example Value:

1010 0000 0000 0000 0000 0000 0000 0000 0000 0011 0001 0000 0001 0000 (binary)

Example TLV:

8407A0000000031010 (hex)

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E.20 Form Factor Indicator (FFI)
Table E-22 Form Factor Indicator
Tag:

9F6E

Description:

This field indicates the form factor of the consumer payment device and the type of
contactless interface over which the transaction was conducted. The Form Factor Indicator
is both an implementation and issuer option.

Source:

Chip Card

Usage:

Conditional: Mandatory for VISA contactless transactions when available.

Format:

b

Binary Length:

4

ASCII Hex Length:

8

Example Value:

0000 0001 0000 0010 0000 0011 0000 0100 (binary)

Example TLV:

9F6E0401020304 (hex)

E.21 ICC Dynamic Number
Table E-23 ICC Dynamic Number

306

Tag:

9F4C

Description:

This field is a time-variant numerical value generated by the chip card.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contactless transactions.

Format:

b

Binary Length:

2 to 8

ASCII Hex Length:

4 to 16

Example Value:

0001 0010 0011 0100 0101 0110 0111 0100 (binary)

Example TLV:

9F4C0412345678 (hex)

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For Internal Use Only

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E: EMV Field Definitions

E.22 Interface Device (IFD) Serial Number
Table E-24 Interface Device (IFD) Serial Number
Tag:

9F1E

Description:

This field contains a unique and permanent identification number assigned to the IFD by
the manufacturer.

Source:

POS Terminal (from the chip card reader)

Usage:

Conditional: Mandatory for EMV contact transactions if available.

Format:

an 8

Binary Length:

8

ASCII Hex Length:

16

Example Value:

SERIAL12 (alphanumeric)

Example TLV:

9F1E0853455249414C3132 (hex)

E.23 Issuer Action Code – Default
Table E-25 Issuer Action Code – Default
Tag:

9F0D

Description:

This field specifies the issuer’s conditions that cause a transaction to be rejected when the
POS terminal is unable to process the transaction online (even when the transaction has
already been approved online).

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact transactions.

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

1111 0000 0100 0000 0000 0000 1000 1000 0000 0000 (binary)

Example TLV:

9F0D05F040008800 (hex)

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E.24 Issuer Action Code – Denial
Table E-26 Issuer Action Code – Denial
Tag:

9F0E

Description:

This field specifies the issuer’s conditions that cause the denial of a transaction without an
attempt to go online.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact transactions.

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

1111 1100 1111 1000 1111 1100 1111 1000 1111 0000 (binary)

Example TLV:

9F0E05FCF8FCF8F0 (hex)

E.25 Issuer Action Code – Online
Table E-27 Issuer Action Code – Online

308

Tag:

9F0F

Description:

This field specifies the issuer’s conditions that cause a transaction to be transmitted
online.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact transactions.

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

1111 1100 1111 1000 1111 1100 1111 1000 1111 0000 (binary)

Example TLV:

9F0F05FCF8FCF8F0 (hex)

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E: EMV Field Definitions

E.26 Issuer Application Data
Table E-28 Issuer Application Data
Tag:

9F10

Description:

This field contains proprietary application data for transmission to the issuer.

Source:

Chip Card

Usage:

Mandatory for EMV contact and EMV contactless transactions. Mandatory for MSD
contactless transactions when available.

Format:

b

Binary Length:

1 to 32

ASCII Hex Length:

up to 64

Example Value:

0000 0001 0000 1010 0000 0011 0110 0000 0000 0000 0000 0000 (binary)

Example TLV:

9F1006010A03600000 (hex)

E.27 Issuer Authentication Data
Table E-29 Issuer Authentication Data
Tag:

91

Description:

This field contains data delivered to the chip card including the ARPC cryptogram for
online issuer authentication. The data is in the format required by the card.

Source:

Issuer

Usage:

Optional - may be returned in the authorization response message.

Format:

b

Binary Length:

8 to 16

ASCII Hex Length:

16 to 32

Example Value:

0010 0010 0110 0011 1100 1100 0001 1100 0010 1110 1001 1100 0100 0100 0010 0000
0000 0001 0011 (binary)

Example TLV:

91102263BCC1C2D9C4420013 (hex)

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E.28 Issuer Country Code
Table E-30 Issuer Country Code
Tag:

5F28

Description:

This field indicates the country of the issuer according to ISO 3166.

Source:

Chip Card

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions. Mandatory
for MSD contactless transactions when available.

Format:

n3

Binary Length:

2

ASCII Hex Length:

4

Example Value:

840 (numeric)

Example TLV:

5F28020840 (hex)

E.29 Issuer Script Results
Table E-31 Issuer Script Results
Tag:

9F5B

Description:

This field contains the results of the card issuer script update to the chip card.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact transactions when an issuer script was returned
in the authorization response message.

Format:

b

Binary Length:

varies

ASCII Hex Length:

up to 40

Example Value:

0010 0000 0000 0000 0000 0000 0000 0000 0000 0000 (binary)

Example TLV:

9F5B052000000000 (hex)

310

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E.30 Issuer Script Template 1 & 2
Table E-32 Issuer Script Template 1 & 2
Tag:

71 or 72

Description:

The Issuer Script Template 1 contains proprietary issuer data for transmission to the chip
card before the second GENERATE AC command. The Issuer Script Template 2 contains
proprietary issuer data for transmission to the chip card after the second GENERATE AC
command.

Source:

Issuer

Usage:

Conditional: Mandatory for EMV contact transactions when received in the response
message.

Format:

b

Binary Length:

1 to 127

ASCII Hex Length:

2 to 254

Example Value:

1001 1111 0001 1000 0000 0100 0001 0000 0000 0000 0000 0000 0000 0000 1000 0110
0000 1101 1000 0100 0001 1000 0000 0000 0000 0000 0000 1000 0001 0110 0010 1100
11110 0001 0111 1000 0101 1111 1100 1111 0001 1010 0110 1000 (binary)

Example TLV:

72169F180410000000860D8418000008162CE1785FCF1A68 (hex)

E.31 POS Entry Mode
Table E-33 POS Entry Mode
Tag:

9F39

Description:

This field indicates the method by which the PAN was entered, according to the first two
digits of the ISO 8583:1987 POS Entry Mode.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contactless transactions and MSD contactless
transactions.

Format:

n2

Binary Length:

1

ASCII Hex Length:

2

Example Value:

00 (numeric)

Example TLV:

9F390100 (hex)

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E.32 Terminal Action Code – Default
Table E-34 Terminal Action Code – Default
Tag:

FFC6 (HPS proprietary tag identifier)

Description:

This field specifies the acquirer’s conditions that cause a transaction to be rejected when
the POS terminal is unable to process the transaction online (even when the transaction
has already been approved online).

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact transactions declined offline.

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

0000 0101 1111 1110 0101 0000 1011 1100 1010 0000 0000 0000 (binary)

Example TLV:

FFC605FE50BCA000 (hex)

E.33 Terminal Action Code – Denial
Table E-35 Terminal Action Code – Denial

312

Tag:

FFC7 (HPS proprietary tag identifier)

Description:

This field specifies the acquirer’s conditions that cause the denial of a transaction without
an attempt to go online.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact transactions declined offline.

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

0000 0101 0000 0000 0000 0000 0000 0000 0000 0000 0000 0000 (binary)

Example TLV:

FFC7050000000000 (hex)

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E: EMV Field Definitions

E.34 Terminal Action Code – Online
Table E-36 Terminal Action Code – Online
Tag:

FFC8 (HPS proprietary tag identifier)

Description:

This field specifies the acquirer’s conditions that cause a transaction to be transmitted
online.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact transactions declined offline.

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

0000 0101 1111 1110 0101 0000 1011 1100 1111 1000 0000 0000 (binary)

Example TLV:

FFC805FE50BCF800 (hex)

E.35 Terminal Capabilities
Table E-37 Terminal Capabilities
Tag:

9F33

Description:

This field indicates the card data input, the cardholder verification method (CVM), and the
security capabilities supported by the POS terminal.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions. Mandatory for
MSD contactless transactions if available.

Format:

b

Binary Length:

3

ASCII Hex Length:

6

Example Value:

0000 0001 0000 0001 0000 0001 (binary)

Example TLV:

9F3303010101 (hex)

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E.36 Terminal Country Code
Table E-38 Terminal Country Code
Tag:

9F1A

Description:

This field indicates the country of the terminal, represented according to ISO 3166.

Source:

POS Terminal

Usage:

Mandatory for EMV contact, EMV contactless transactions. Mandatory for MSD
contactless transactions if available.

Format:

n3

Binary Length:

2

ASCII Hex Length:

3

Example Value:

840 (numeric)

Example TLV:

9F1A020840 (hex)

E.37 Terminal Type
Table E-39 Terminal Type
Tag:

9F35

Description:

The two-character numeric Terminal Type indicates the environment of the POS terminal,
its communications capability, and its operational control.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

n2

Binary Length:

1

ASCII Hex Length:

2

Example Value:

22 (numeric)

Example TLV:

9F350122 (hex)

314

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E.38 Terminal Verification Results (TVR)
Table E-40 Terminal Verification Results (TVR)
Tag:

95

Description:

This field contains a series of indicators set by the POS terminal recording both offline and
online processing results.

Source:

POS Terminal

Usage:

Mandatory for chip card transactions (contact and contactless)

Format:

b

Binary Length:

5

ASCII Hex Length:

10

Example Value:

0000 0000 0000 0000 0000 0100 1000 0000 0000 0000 (binary)

Example TLV:

95050000048000 (hex)

E.39 Third Party Data
.
Table E-41 Third Party Data
Tag:

9F6E

Description:

The Third Party Data contains proprietary data from a third party.

Source:

Issuer

Usage:

Mandatory for MasterCard contactless transactions when available.

Format:

b

Binary Length:

5 to 32

ASCII Hex Length:

10 to 64

Example Value:

0001 0010 0011 0100 0101 0110 0111 1000 1001 1010 (binary)

Example TLV:

9F6E05123456789A (hex)

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E.40 Transaction Currency Code
Table E-42 Transaction Currency Code
Tag:

5F2A

Description:

This field contains the currency code of the transaction according to ISO 4217.

Source:

POS Terminal

Usage:

Mandatory for EMV contact and EMV contactless transactions.

Format:

n3

Binary Length:

2

ASCII Hex Length:

4

Example Value:

840 (numeric)

Example TLV:

5F2A020840 (hex)

E.41 Transaction Date
Table E-43 Transaction Data

316

Tag:

9A

Description:

This field contains the local date used to generate the cryptogram.

Source:

POS Terminal

Usage:

Mandatory for EMV contact and EMV contactless transactions.

Format:

n 6 (YYMMDD)

Binary Length:

3

ASCII Hex Length:

6

Example Value:

121231 (numeric)

Example TLV:

9A03121231 (hex)

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E: EMV Field Definitions

E.42 Transaction Sequence Counter
Table E-44 Transaction Sequence Counter
Tag:

9F41

Description:

This field uniquely identifies each transaction on a POS terminal. The Transaction
Sequence Counter value subfield is right-justified with leading zeros.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

n 4 to 8

Binary Length:

2 to 4

ASCII Hex Length:

4 to 8

Example Value:

435 (numeric)

Example TLV:

9F410400000435 (hex)

E.43 Transaction Status Information
Table E-45 Transaction Status Information
Tag:

9B

Description:

This field contains the functions performed in the transaction.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

2

ASCII Hex Length:

4

Example Value:

0100 1000 0000 0000 (binary)

Example TLV:

9B024800 (hex)

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E.44 Transaction Time
Table E-46 Transaction Time
Tag:

9F21

Description:

This subfield contains the local time that the transaction was authorized.

Source:

POS Terminal

Usage:

Conditional: Mandatory for EMV contact and EMV contactless transactions.

Format:

n 6 (HHMMSS)

Binary Length:

3

ASCII Hex Length:

6

Example Value:

123456 (numeric)

Example TLV:

9F2103123456 (hex)

E.45 Transaction Type
Table E-47 Transaction Type
Tag:

9C

Description:

This field indicates the type of financial transaction as represented by the first two digits of
the ISO 8583:1987 Processing Code.

Source:

POS Terminal

Usage:

Mandatory for EMV contact and EMV contactless transactions.

Format:

n2

Binary Length:

1

ASCII Hex Length:

2

Example Value:

00 (numeric)

Example TLV:

9C0100 (hex)

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E.46 Unpredictable Number
Table E-48 Unpredictable Number
Tag:

9F37

Description:

This field is randomly generated by the POS Terminal and is used to provide variability and
uniqueness to the cryptogram.

Source:

POS Terminal

Usage:

Mandatory for EMV contact and EMV contactless transactions.

Format:

b

Binary Length:

4

ASCII Hex Length:

8

Example Value:

0001 0010 0011 0100 0101 0110 0111 1000 (binary)

Example TLV:

9F370412345678 (hex)

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HPS Integrator’s Guide V 16.1.1

Appendix F: EMV PDL Data Examples
The following example does not include any host specific “wrapper”, but rather only depicts the
exchange of the actual EMV PDL data between the POS and the host.
Note: This is example data only that should not be used for certification or in production.
Table F-1 EMV PDL Data Examples
POS
Table 10 Request (Versions and Flags)
Field




Host



Table 10 Response
(Versions and Flags)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

10

EMV PDL CARD TYPE

<2 spaces>

EMV PDL PARAMETER VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

Field
EMV PDL PARAMETER VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

10

EMV PDL CARD TYPE

<2 spaces>

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL ENABLED

Y

EMV PDL TABLE ID 30 VERSION

320

Value

001

EMV PDL TABLE ID 30 FLAG

Y

EMV PDL NUMBER OF CARD TYPES

04

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F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
VISA
EMV PDL CARD TYPE

01

EMV PDL TABLE ID 40 VERSION

001

EMV PDL TABLE ID 40 FLAG
EMV PDL TABLE ID 50 VERSION
EMV PDL TABLE ID 50 FLAG
EMV PDL TABLE ID 60 VERSION
EMV PDL TABLE ID 60 FLAG

Y
001
Y
001
Y

MasterCard
EMV PDL CARD TYPE

02

EMV PDL TABLE ID 40 VERSION

001

EMV PDL TABLE ID 40 FLAG
EMV PDL TABLE ID 50 VERSION
EMV PDL TABLE ID 50 FLAG
EMV PDL TABLE ID 60 VERSION
EMV PDL TABLE ID 60 FLAG

Y
001
Y
001
Y

American Express
EMV PDL CARD TYPE

03

EMV PDL TABLE ID 40 VERSION

001

EMV PDL TABLE ID 40 FLAG
EMV PDL TABLE ID 50 VERSION
EMV PDL TABLE ID 50 FLAG
EMV PDL TABLE ID 60 VERSION
EMV PDL TABLE ID 60 FLAG

Y
001
Y
001
Y

Discover
EMV PDL CARD TYPE

04

EMV PDL TABLE ID 40 VERSION

001

EMV PDL TABLE ID 40 FLAG
EMV PDL TABLE ID 50 VERSION
EMV PDL TABLE ID 50 FLAG
EMV PDL TABLE ID 60 VERSION
EMV PDL TABLE ID 60 FLAG

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Y
001
Y
001
Y

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Table F-1 EMV PDL Data Examples (Continued)
POS
Table 10 Confirmation Request
(Versions and Flags)
Field




Host



Table 10 Confirmation Response
(Versions and Flags)

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

10

EMV PDL CARD TYPE

<2 spaces>

EMV PDL PARAMETER VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

Field
EMV PDL PARAMETER VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

10

EMV PDL CARD TYPE
EMV PDL CONFIRMATION FLAG

Y

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

30

EMV PDL CARD TYPE

<2 spaces>

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

322

<2 spaces>



Table 30 Request
(Terminal Data)
Field

Value

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HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)




POS

Host
Table 30 Response
(Terminal Data)
Field
EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

30

EMV PDL CARD TYPE
EMV PDL END-OF-TABLE FLAG

Y
023

EMV PDL TERMINAL TYPE

22
F000F0A001

EMV PDL TERMINAL COUNTRY CODE

840

EMV PDL TRANSACTION CURRENCY
CODE

840

EMV PDL TRANSACTION CURRENCY
EXPONENT

2

EMV PDL TRANSACTION REFERENCE
CURRENCY CODE

840

EMV PDL TRANSACTION REFERENCE
CURRENCY EXPONENT

2



Table 30 Confirmation Request
(Terminal Data)
Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

30

EMV PDL CARD TYPE

<2 spaces>

EMV PDL TABLE DATA BLOCK
LENGTH

EMV PDL ADDITIONAL TERMINAL
CAPABILITIES

Field

Value

<2 spaces>

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

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HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)




POS

Host
Table 30 Confirmation Response
(Terminal Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

30

EMV PDL CARD TYPE

<2 spaces>

EMV PDL CONFIRMATION FLAG



Table 40 Request
(VISA Contact Card Data)
Field

Y

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01



Table 40 Response
(VISA Contact Card Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

01

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

374

EMV PDL AID COUNT

02

VISA Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000000031010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

324

0096

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
EMV PDL APPLICATION COUNTRY
CODE
EMV PDL TRANSACTION TYPES

<3 spaces>
8000

EMV PDL TERMINAL CAPABILIITES

E0B8C8

EMV PDL TERMINAL FLOOR LIMIT

000000000000

EMV PDL THRESHOLD VALUE FOR
BIASED RANDOM SELECTION

000000000000

EMV PDL TARGET PERCENTAGE TO
BE USED FOR RANDOM SELECTION

00

EMV PDL MAXIMUM TARGET
PERCENTAGE TO BE USED FOR
BIASED RANDOM SELECTION

00

EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0010000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

DC4004F800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

DC4000A800

EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>

EMV PDL DEFAULT DYNAMIC DATA
AUTHENTICATION DATA OBJECT LIST
(DDOL)

9F3704
+ <26 spaces>

VISA Electron
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000000032010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0096

EMV PDL APPLICATION COUNTRY
CODE

<3 spaces>

EMV PDL TRANSACTION TYPES

8000

EMV PDL TERMINAL CAPABILIITES

E0B8C8

EMV PDL TERMINAL FLOOR LIMIT

000000000000

EMV PDL THRESHOLD VALUE FOR
BIASED RANDOM SELECTION

000000000000

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

325

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
EMV PDL TARGET PERCENTAGE TO
BE USED FOR RANDOM SELECTION

00

EMV PDL MAXIMUM TARGET
PERCENTAGE TO BE USED FOR
BIASED RANDOM SELECTION

00

EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0010000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

DC4004F800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

DC4000A800

EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>

EMV PDL DEFAULT DYNAMIC DATA
AUTHENTICATION DATA OBJECT LIST
(DDOL)



Table 40 Confirmation Request
(VISA Contact Card Data)
Field

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 40 Confirmation Response
(VISA Contact Card Data)
Field

326

9F3704
+ <26 spaces>

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

01

EMV PDL CONFIRMATION FLAG

Y

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS
Table 40 Request
(MasterCard Contact Card Data)
Field




Host



Table 40 Response
(MasterCard Contact Card Data)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

02

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

02

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

188

EMV PDL AID COUNT

01

MasterCard Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000000041010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0002

EMV PDL APPLICATION COUNTRY
CODE

<3 spaces>

EMV PDL TRANSACTION TYPES

8000

EMV PDL TERMINAL CAPABILIITES

E0F8C8

EMV PDL TERMINAL FLOOR LIMIT

000000020000

EMV PDL THRESHOLD VALUE FOR
BIASED RANDOM SELECTION

000000000000

EMV PDL TARGET PERCENTAGE TO
BE USED FOR RANDOM SELECTION

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

00

327

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
EMV PDL MAXIMUM TARGET
PERCENTAGE TO BE USED FOR
BIASED RANDOM SELECTION
EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0000000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

FC50BCF800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

FC50BCA000

EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>

EMV PDL DEFAULT DYNAMIC DATA
AUTHENTICATION DATA OBJECT LIST
(DDOL)

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

02

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 40 Confirmation Response
(MasterCard Contact Card Data)
Field

328

9F3704
+ <26 spaces>



Table 40 Confirmation Request
(MasterCard Contact Card Data)
Field

00

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

02

EMV PDL CONFIRMATION FLAG

Y

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS
Table 40 Request
(American Express Contact Card Data)
Field




Host



Table 40 Response
(American Express Contact Card Data)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

03

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

03

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

188

EMV PDL AID COUNT

01

American Express Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A00000002501
+ <20 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0001

EMV PDL APPLICATION COUNTRY
CODE

<3 spaces>

EMV PDL TRANSACTION TYPES

8000

EMV PDL TERMINAL CAPABILIITES

E0B8C8

EMV PDL TERMINAL FLOOR LIMIT

000000000000

EMV PDL THRESHOLD VALUE FOR
BIASED RANDOM SELECTION

000000000000

EMV PDL TARGET PERCENTAGE TO
BE USED FOR RANDOM SELECTION

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

00

329

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
EMV PDL MAXIMUM TARGET
PERCENTAGE TO BE USED FOR
BIASED RANDOM SELECTION
EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0000000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

C800000000

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

C800000000

EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>

EMV PDL DEFAULT DYNAMIC DATA
AUTHENTICATION DATA OBJECT LIST
(DDOL)

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

03

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 40 Confirmation Response
(American Express Contact Card Data)
Field

330

9F3704
+ <26 spaces>



Table 40 Confirmation Request
(American Express Contact Card Data)
Field

00

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

03

EMV PDL CONFIRMATION FLAG

Y

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS
Table 40 Request
(Discover Contact Card Data)
Field




Host



Table 40 Response
(Discover Contact Card Data)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

04

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

04

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

188

EMV PDL AID COUNT

01

Discover Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000001523010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0001

EMV PDL APPLICATION COUNTRY
CODE

<3 spaces>

EMV PDL TRANSACTION TYPES

8000

EMV PDL TERMINAL CAPABILIITES

E0F8C8

EMV PDL TERMINAL FLOOR LIMIT

000000030000

EMV PDL THRESHOLD VALUE FOR
BIASED RANDOM SELECTION

000000000000

EMV PDL TARGET PERCENTAGE TO
BE USED FOR RANDOM SELECTION

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

00

331

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
EMV PDL MAXIMUM TARGET
PERCENTAGE TO BE USED FOR
BIASED RANDOM SELECTION
EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0010000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

FCE09CF800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

DC00002000

EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>

EMV PDL DEFAULT DYNAMIC DATA
AUTHENTICATION DATA OBJECT LIST
(DDOL)

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

04

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 40 Confirmation Response
(Discover Contact Card Data)
Field

332

9F3704
+ <26 spaces>



Table 40 Confirmation Request
(Discover Contact Card Data)
Field

00

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

40

EMV PDL CARD TYPE

04

EMV PDL CONFIRMATION FLAG

Y

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS
Table 50 Request
(VISA Contactless Card Data)
Field




Host



Table 50 Response
(VISA Contactless Card Data)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

01

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

350

EMV PDL AID COUNT

02

VISA Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000000031010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0096

EMV PDL CONTACTLESS MAGSTRIPE
APPLICATION VERSION NUMBER

0001

EMV PDL APPLICATION COUNTRY
CODE
EMV PDL TRANSACTION TYPES
EMV PDL TERMINAL CAPABILIITES

<3 spaces>
8000
E028C8

EMV PDL TERMINAL CONTACTLESS
FLOOR LIMIT

000000000000

EMV PDL TERMINAL CVM REQUIRED
LIMIT

000000005000

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

333

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
EMV PDL TERMINAL CONTACTLESS
TRANSACTION LIMIT

999999999999

EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0010000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

DC4004F800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

DC4000A800

EMV PDL TERMINAL TRANSACTION
QUALIFIERS (TTQ)

B2004000

EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>

VISA Electron
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000000031010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0096

EMV PDL CONTACTLESS MAGSTRIPE
APPLICATION VERSION NUMBER

0001

EMV PDL APPLICATION COUNTRY
CODE
EMV PDL TRANSACTION TYPES
EMV PDL TERMINAL CAPABILIITES

334

<3 spaces>
8000
E028C8

EMV PDL TERMINAL CONTACTLESS
FLOOR LIMIT

000000000000

EMV PDL TERMINAL CVM REQUIRED
LIMIT

000000005000

EMV PDL TERMINAL CONTACTLESS
TRANSACTION LIMIT

999999999999

EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0010000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

DC4004F800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

DC4000A800

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
EMV PDL TERMINAL TRANSACTION
QUALIFIERS (TTQ)
EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>



Table 50 Confirmation Request
(VISA Contactless Card Data)
Field

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 50 Confirmation Response
(VISA Contactless Card Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

01

EMV PDL CONFIRMATION FLAG

Y



Table 50 Request
(MasterCard Contactless Card Data)
Field

B2004000

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

02

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

335

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS




Host
Table 50 Response
(MasterCard Contactless Card Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

02

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

176

EMV PDL AID COUNT

01

MasterCard Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000000041010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0002

EMV PDL CONTACTLESS MAGSTRIPE
APPLICATION VERSION NUMBER

0001

EMV PDL APPLICATION COUNTRY
CODE
EMV PDL TRANSACTION TYPES
EMV PDL TERMINAL CAPABILIITES

336

<3 spaces>
8000
E068C8

EMV PDL TERMINAL CONTACTLESS
FLOOR LIMIT

000000020000

EMV PDL TERMINAL CVM REQUIRED
LIMIT

000000005000

EMV PDL TERMINAL CONTACTLESS
TRANSACTION LIMIT

999999999999

EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0000000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

FC509C8800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

FC509C8800

EMV PDL TERMINAL TRANSACTION
QUALIFIERS (TTQ)

B6000000

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
EMV PDL TERMINAL RISK
MANAGEMENT DATA
EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

02

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 50 Confirmation Response
(MasterCard Contactless Card Data)
Field

Table 50 Request
(American Express Contactless Card Data)
Field

<32 spaces>



Table 50 Confirmation Request
(MasterCard Contactless Card Data)
Field

6CF800000000000
0

Value

EMV PDL PARAMETER VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

02

EMV PDL CONFIRMATION FLAG

Y



Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

03

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

337

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS




Host
Table 50 Response
(American Express Contactless Card Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

03

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

176

EMV PDL AID COUNT

01

American Express Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A00000002501
+ <20 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0001

EMV PDL CONTACTLESS MAGSTRIPE
APPLICATION VERSION NUMBER

0001

EMV PDL APPLICATION COUNTRY
CODE
EMV PDL TRANSACTION TYPES
EMV PDL TERMINAL CAPABILIITES

338

<3 spaces>
8000
E0E8C8

EMV PDL TERMINAL CONTACTLESS
FLOOR LIMIT

000000000000

EMV PDL TERMINAL CVM REQUIRED
LIMIT

000000005000

EMV PDL TERMINAL CONTACTLESS
TRANSACTION LIMIT

999999999999

EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0000000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

C400000000

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

DC50840000

EMV PDL TERMINAL TRANSACTION
CAPABILIITES

D8F00000

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)



POS

Table 50 Confirmation Request
(American Express Contactless Card Data)
Field

Host
EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>



Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

03

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 50 Confirmation Response
(American Express Contactless Card Data)
Field
EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

03

EMV PDL CONFIRMATION FLAG

Y



Table 50 Request
(Discover Contactless Card Data)
Field

Value

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

04

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

339

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS




Host
Table 50 Response
(Discover Contactless Card Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

04

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

176

EMV PDL AID COUNT

01

Discover Credit/Debit
EMV PDL APPLICATION IDENTIFIER
(AID)

A0000003241010
+ <18 spaces>

EMV PDL APPLICATION SELECTION
INDICATOR

1

EMV PDL APPLICATION VERSION
NUMBER

0001

EMV PDL CONTACTLESS MAGSTRIPE
APPLICATION VERSION NUMBER

0001

EMV PDL APPLICATION COUNTRY
CODE
EMV PDL TRANSACTION TYPES
EMV PDL TERMINAL CAPABILIITES

340

<3 spaces>
8000
E068C8

EMV PDL TERMINAL CONTACTLESS
FLOOR LIMIT

000000000000

EMV PDL TERMINAL CVM REQUIRED
LIMIT

000000005000

EMV PDL TERMINAL CONTACTLESS
TRANSACTION LIMIT

999999999999

EMV PDL TERMINAL ACTION CODE
(TAC) - DENIAL

0010000000

EMV PDL TERMINAL ACTION CODE
(TAC) - ONLINE

FCE09CF800

EMV PDL TERMINAL ACTION CODE
(TAC) - DEFAULT

DC00002000

EMV PDL TERMINAL TRANSACTION
QUALIFIERS (TTQ)

96000000

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)



POS

EMV PDL TERMINAL RISK
MANAGEMENT DATA

<16 spaces>

EMV PDL DEFAULT TRANSACTION
CERTIFICATE DATA OBJECT LIST
(TDOL)

<32 spaces>



Table 50 Confirmation Request
(Discover Contactless Card Data)
Field

Host

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

04

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 50 Confirmation Response
(Discover Contactless Card Data)
Field
EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

50

EMV PDL CARD TYPE

04

EMV PDL CONFIRMATION FLAG

Y



Table 60 Request
(VISA Public Key Data)
Field

Value

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

341

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS




Host
Table 60 Response
(VISA Public Key Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL END-OF-TABLE FLAG

N

EMV PDL TABLE DATA BLOCK
LENGTH

875

EMV PDL KEY COUNT

04

VISA 1024-Bit Key (Expired)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000003

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

01

EMV PDL KEY STATUS

E

VISA 1152-Bit Key (Active)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000003

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

07

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

342

0288

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

A89F25A56FA6DA
258C8CA8B40427
D927B4A1EB4D7
EA326BBB12F97D
ED70AE5E4480F
C9C5E8A9721771
10A1CC318D06D2
F8F5C4844AC5FA
79A4DC470BB11E
D635699C17081B
90F1B984F12E92
C1C529276D8AF8
EC7F28492097D8
CD5BECEA16FE4
088F6CFAB4A1B4
2328A1B996F927
8B0B7E3311CA5E
F856C2F888474B
83612A82E4E00D
0CD4069A678314
0433D50725F

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

B4BC56CC4E883
24932CBC643D68
98F6FE593B172

VISA 1408-Bit Key (Active)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000003

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

08

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

0352

343

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

D9FD6ED75D51D
0E30664BD15702
3EAA1FFA871E4D
A65672B863D255
E81E137A51DE4F
72BCC9E44ACE1
2127F87E263D3A
F9DD9CF35CA4A
7B01E907000BA8
5D24954C2FCA30
74825DDD4C0C8
F186CB020F683E
02F2DEAD396913
3F06F7845166AC
EB57CA0FC26034
45469811D293BF
EFBAFAB57631B3
DD91E796BF850A
25012F1AE38F05
AA5C4D6D03B1D
C2E56861278593
8BBC9B3CD3A91
0C1DA55A5A9218
ACE0F7A2128775
2682F15832A678
D6E1ED0B

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

20D213126955DE
205ADC2FD2822B
D22DE21CF9A8

VISA 1984-Bit Key (Active)

344

EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000003

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

09

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0496

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

9D912248DE0A4E
39C1A7DDE3F6D
2588992C1A4095
AFBD1824D1BA7
4847F2BC4926D2
EFD904B4B54954
CD1

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS
Table 60 Request
(VISA Public Key Data Continued)
Field




Host



Table 60 Response
(VISA Public Key Data Continued)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02

Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

453

345

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

89A54C5D117965
4F8F9B0D2AB5F0
357EB642FEDA95
D3912C6576945F
AB897E7062CAA4
4A4AA06B8FE6E3
DBA18AF6AE3738
E30429EE9BE034
27C9D64F695FA8
CAB4BFE376853E
A34AD1D76BFCA
D15908C077FFE6
DC5521ECEF5D2
78A96E26F57359
FFAEDA19434B93
7F1AD999DC5C4
1EB11935B44C18
100E857F431A4A
5A6BB65114F174
C2D7B59FDF237
D6BB1DD0916E6
44D709DED56481
477C75D95CDD6
8254615F7740EC
07F330AC5D67BC
D75BF23D28A140
826C026DBDE971
A37CD3EF9B8DF
644AC385010501
EFC6509D7A41

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

1FF80A40173F52
D7D27E0F26A146
A1C8CCB29046

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

346

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS



Table 60 Confirmation Request
(VISA Public Key Data)
Field

Host

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)




POS

Host
Table 60 Confirmation Response
(VISA Public Key Data)
Field
EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL CONFIRMATION FLAG

Y



Table 60 Request
(MasterCard Public Key Data)
Field

Value

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

02

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01



Table 60 Response
(MasterCard Public Key Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

02

EMV PDL END-OF-TABLE FLAG

N

EMV PDL TABLE DATA BLOCK
LENGTH

875

EMV PDL KEY COUNT

03

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

347

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
MasterCard 1152-Bit Key (Active)

348

EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000003

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

04

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0288

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

A6DA428387A502
D7DDFB7A74D3F
412BE762627197
B25435B7A81716
A700157DDD06F7
CC99D6CA28C24
70527E2C03616B
9C59217357C267
4F583B3BA5C7D
CF2838692D023E
3562420B4615C4
39CA97C44DC9A
249CFCE7B3BFB
22F68228C3AF13
329AA4A613CF8D
D853502373D62E
49AB256D2BC171
20E54AEDCED6D
96A4287ACC5C04
677D4A5A320DB8
BEE2F775E5FEC
5

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

381A035DA58B48
2EE2AF75F4C3F2
CA469BA4AA6C

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
MasterCard 1408-Bit Key (Active)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000004

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

05

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0352

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

B8048ABC30C90
D976336543E3FD
7091C8FE4800DF
820ED55E7E9481
3ED00555B573FE
CA3D84AF6131A6
51D66CFF4284FB
13B635EDD0EE40
176D8BF04B7FD1
C7BACF9AC7327
DFAA8AA72D10D
B3B8E70B2DDD8
11CB4196525EA3
86ACC33C0D9D4
575916469C4E4F
53E8E1C912CC61
8CB22DDE7C356
8E90022E6BBA77
0202E4522A2DD6
23D180E215BD1D
1507FE3DC90CA3
10D27B3EFCCD8
F83DE3052CAD1
E48938C68D095A
AC91B5F37E28BB
49EC7ED597

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

EBFA0D5D06D8C
E702DA3EAE8907
01D45E274C845

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

349

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
MasterCard 1984-Bit Key (Active)
A000000004

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

06

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0496

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

CB26FC830B4378
5B2BCE37C81ED
334622F9622F4C
89AAE641046B23
53433883F307FB7
C974162DA72F7A
4EC75D9D657336



Table 60 Request
(MasterCard Public Key Data Continued)
Field

EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02



Table 60 Response
(MasterCard Public Key Data Continued)
Field
EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

01

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

350

Value

440

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)



POS

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

865B8D3023D3D6
45667625C9A07A
6B7A137CF0C641
98AE38FC238006
FB2603F41F4F3B
B9DA1347270F2F
5D8C606E420958
C5F7D50A71DE30
142F70DE468889
B5E3A08695B938
A50FC980393A9C
BCE44AD2D64F6
30BB33AD3F5F5F
D495D31F37818C
1D94071342E07F
1BEC2194F6035B
A5DED3936500EB
82DFDA6E8AFB6
55B1EF3D0D7EB
F86B66DD9F29F6
B1D324FE8B26C
E38AB2013DD13F
611E7A594D675C
4432350EA244CC
34F3873CBA0659
2987A1D7E852AD
C22EF5A2EE2813
2031E48F74037E
3B34AB747F

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

F910A1504D5FFB
793D94F3B50076
5E1ABCAD72D9



Table 60 Confirmation Request
(MasterCard Public Key Data)
Field

Host

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

02

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

351

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)




POS

Host
Table 60 Confirmation Response
(MasterCard Public Key Data)
Field
EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

02

EMV PDL CONFIRMATION FLAG

Y



Table 60 Request
(American Express Public Key Data)
Field

Value

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

03

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01



Table 60 Response
(American Express Public Key Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

03

EMV PDL END-OF-TABLE FLAG

N

EMV PDL TABLE DATA BLOCK
LENGTH

875

EMV PDL KEY COUNT

04

American Express 1024-Bit Key (Expired)

352

EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000025

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

03

EMV PDL KEY STATUS

E

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
American Express 1152-Bit Key (Active)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000025

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

0E

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0288

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

AA94A8C6DAD24
F9BA56A27C09B0
1020819568B81A0
26BE9FD0A3416C
A9A71166ED5084
ED91CED47DD45
7DB7E6CBCD53E
560BC5DF48ABC
380993B6D549F5
196CFA77DFB20A
0296188E969A277
2E8C4141665F8B
B2516BA2C7B5F
C91F8DA04E8D51
2EB0F6411516FB
86FC021CE7E969
DA94D33937909A
53A57F907C40C2
2009DA7532CB3B
E509AE173B39AD
6A01BA5BB85

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

A7266ABAE64B42
A3668851191D498
56E17F8FBCD

American Express 1408-Bit Key (Active)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000025

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

0F

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

0352

353

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

C8D5AC27A5E1F
B89978C7C6479A
F993AB3800EB24
3996FBB2AE26B6
7B23AC482C4B74
6005A51AFA7D2D
83E894F591A235
7B30F85B85627F
F15DA12290F70F
05766552BA11AD
34B7109FA49DE2
9DCB0109670875
A17EA95549E923
47B948AA1F0457
56DE56B707E386
3E59A6CBE99C12
72EF65FB66CBB4
CFF070F36029DD
76218B21242645B
51CA752AF37E70
BE1A84FF31079D
C0048E928883EC
4FADD497A71938
5C2BBBEBC5A66
AA5E5655D18034
EC5

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

A73472B3AB5574
93A9BC2179CC80
14053B12BAB4

American Express 1984-Bit Key (Active)

354

EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000025

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

10

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0496

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

CF98DFEDB3D37
27965EE77977233
55E0751C81D2D3
DF4D18EBAB9FB
9D49F38C8C4A82
6B99DC9DEA3F0
104

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS
Table 60 Request
(American Express Public Key Data Continued)
Field




Host



Table 60 Response
(American Express Public Key Data Continued)

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

03

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02

Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

03

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

453

355

F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

3D4BF22AC3550E
2962A59639B1332
156422F788B9C1
6D40135EFD1BA9
4147750575E636B
6EBC618734C91C
1D1BF3EDC2A46
A43901668E0FFC
136774080E88804
4F6A1E65DC9AA
A8928DACBEB0D
B55EA3514686C6
A732CEF55EE27
CF877F110652694
A0E3484C855D88
2AE191674E25C2
96205BBB599455
176FDD7BBC549
F27BA5FE35336F
7E29E68D783973
199436633C67EE
5A680F05160ED1
2D1665EC83D199
7F10FD05BBDBF
9433E8F797AEE3
E9F02A34228ACE
927ABE62B8B928
1AD08D3DF5C73
79685045D7BA5F
CDE58637

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

C729CF2FD26239
4ABC4CC1735065
02446AA9B9FD

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

03

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

356

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS



Table 60 Confirmation Request
(American Express Public Key Data)
Field

Host

2016 Heartland Payment Systems, Inc., All Rights Reserved–HPS Confidential: Sensitive

For Internal Use Only

HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)




POS

Host
Table 60 Confirmation Response
(American Express Public Key Data)
Field
EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

03

EMV PDL CONFIRMATION FLAG

Y



Table 60 Request
(Discover Public Key Data)
Field

Value

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

04

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01



Table 60 Response
(Discover Public Key Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

01

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

04

EMV PDL END-OF-TABLE FLAG

N

EMV PDL TABLE DATA BLOCK
LENGTH

875

EMV PDL KEY COUNT

04

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HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
Discover 1024-Bit Key (Active)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000152

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

01

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0256

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

8D1727AB9DC852
453193EA0810B1
10F2A3FD304BE2
58338AC2650FA2
A040FA10301EA5
3DF18FD9F40F55
C44FE0EE7C7223
BC649B8F932892
5707776CB86F3A
C37D1B22300D00
83B49350E09ABB
4B62A96363B01E
4180E158EADDD
6878E85A6C9D56
509BF68F0400AF
FBC441DDCCDAF
9163C4AACEB2C
3E1EC13699D23C
DA9D3AD

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

E0C2C1EA411DB
24EC3E76A9403F
0B7B6F406F398

Discover 1152-Bit Key (Active)
EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000152

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

03

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

358

0288

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HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

BF321241BDBF35
85FFF2ACB89772
EBD18F2C872159
EAA4BC179FB03
A1B850A1A758FA
2C6849F48D4C4F
F47E02A575FC13
E8EB77AC371350
30C5600369B556
7D3A7AAF020151
15E987E6BE566B
4B4CC03A4E2B16
CD9051667C2CD
0EEF4D76D27A6F
745E8BBEB45498
ED8C30E2616DB
4DBDA4BAF8D71
990CDC22A8A387
ACB21DD88E2CC
27962B31FBD786
BBB55F9E0B041

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

CA1E9099327F0B
786D8583EC2F27
E57189503A57

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F: EMV PDL Data Examples

HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
Discover 1408-Bit Key (Active)

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

04

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0352

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

8EEEC0D6D3857
FD558285E49B62
3B109E6774E06E
9476FE1B2FB273
685B5A235E9558
10ADDB5CDCC2
CB6E1A97A07089
D7FDE0A548BDC
622145CA2DE3C7
3D6B14F284B3DC
1FA056FC0FB281
8BCD7C852F0C9
7963169F01483C
E1A63F0BF899D4
12A

Value

EMV PDL PARAMETER TYPE

06

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

04

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02

360

A000000152



Table 60 Request
(Discover Public Key Data Continued)
Field

EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

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F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)
POS




Host
Table 60 Response
(Discover Public Key Data Continued)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

02

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

04

EMV PDL END-OF-TABLE FLAG

Y

EMV PDL TABLE DATA BLOCK
LENGTH

755

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

B67C5BBDC8B4F
6FB9ABB57E9512
5363DBD8F5EBA
A9B74ADB932020
50341833DEE8E3
8D28BD175C83A6
EA720C262682BE
ABEA8E955FE67
BD9C2EFF7CB9A
9F45DD5BDA4A1
EEFB148BC44FF
F68D9329FD

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM

17F971CAF6B708
E5B9165331FBA9
1593D0C0BF66

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HPS Integrator’s Guide V 16.1.1

Table F-1 EMV PDL Data Examples (Continued)
POS



Host
Discover 1984-Bit Key (Active)

362

EMV PDL REGISTERED APPLICATION
PROVIDER IDENTIFIER (RID)

A000000152

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY INDEX

05

EMV PDL KEY STATUS

A

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS LENGTH

0496

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY MODULUS

E1200E9F4428EB
71A526D6BB44C9
57F18F27B20BAC
E978061CCEF235
32DBEBFAF654A1
49701C14E6A2A7
C2ECAC4C92135
BE3E9258331DDB
0967C3D1D375B9
96F25B77811CCC
C06A153B4CE699
0A51A0258EA843
7EDBEB701CB1F
335993E3F48458
BC1194BAD29BF6
83D5F3ECB984E3
1B7B9D2F6D947B
39DEDE0279EE45
B47F2F3D4EEEF9
3F9261F8F5A571
AFBFB569C15037
0A78F6683D687C
B677777B2E7ABE
FCFC8F5F935017
36997E8310EE0F
D87AFAC5DA772
BA277F88B44459
FCA563555017CD
0D66771437F8B6
608AA1A665F88D
846403E4C41AFE
EDB9729C2B2511
CFE228B50C1B15
2B2A60BBF61D89
13E086210023A3
AA499E423

EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY EXPONENT

03

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HPS Integrator’s Guide V 16.1.1

F: EMV PDL Data Examples

Table F-1 EMV PDL Data Examples (Continued)



POS

Host
EMV PDL CERTIFICATION AUTHORITY
PUBLIC KEY CHECKSUM



Table 60 Confirmation Request
(Discover Public Key Data)
Field

12BCD407B6E627
A750FDF629EE8C
2C9CC7BA636A

Value

EMV PDL PARAMETER TYPE

07

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

04

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00



Table 60 Confirmation Response
(Discover Public Key Data)
Field

Value

EMV PDL TABLE VERSION

001

EMV PDL BLOCK SEQUENCE
NUMBER

00

EMV PDL TABLE ID

60

EMV PDL CARD TYPE

04

EMV PDL CONFIRMATION FLAG

Y

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HPS Integrator’s Guide V 16.1.1

Appendix G: Glossary
Note: Shaded glossary terms are EMV related.
Table G-1 Glossary
Term

Definition

AVS

See Address Verification System.

3-D Secure™

Three-Domain Secure™ (merchant, acquirer, issuer). A VISA-approved
Authentication Method that is the global authentication standard for Electronic
Commerce Transactions.

AAC (Application
Authentication
Cryptogram)

A type of cryptogram generated by the Chip Card when a transaction is declined
(at the end of offline or online declined transaction) to indicate the card declined
the transaction.
Other types of cryptograms are ARQC, TC, ARPC, AAR.

ABA Transit Number

The ABA Transit Number, known as the routing transit number (RTN), is a
nine-digit bank code, used in the United States. It appears on the bottom of
negotiable instruments, such as checks, identifying the financial institution on
which it was drawn.

AC (Application
Cryptogram)

This is a generic term to describe an application cryptogram. It is generated from
data elements contained in either the online authorization request to the Issuer, or
the final financial transaction required for clearing and settlement. There are four
types of Application Cryptograms (ARQC, TC, AAC, ARPC).

ACH

See Automated Clearing House.

ACI

See Authorization Characteristics Indicator.

Acquirer

A company that enters into contractual relationships with merchants, therefore
allowing the merchant to accept credit/debit cards. Heartland Payment Systems is
an acquirer.

Acquiring Financial
Institution

An acquiring financial institution (or “acquirer”) contracts with the bank and the
merchants to enable credit card transaction.

Acquiring Host

The processing system which communicates with the card acceptor or a
communications network processor and is responsible for receiving the data
relating to a transaction and obtaining an approval or denial for the transaction.
The system maintains reconciliation totals for all financial transactions.

Action Codes

There are 2 sets of action codes:
• TACs (Terminal Actions Codes held in the POS terminal) and
• IACs (Issuer Action Codes read from the Chip Card).
Each of these sets of action codes contain 3 codes which are compared to the
TVR:
• Denial action codes are used to determine if the transaction should be declined.
• Online action codes are used to determine if the transaction required online
authorization, and in the event that the terminal is unable to go online.
• Default action codes are used to determine if the transaction should be
declined.

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G: Glossary

Table G-1 Glossary
Term

Definition

Activation

Changing the state of a fixed denomination account from “inactive” to “active”,
enabling the prepaid card for use.

Activation and Initial Load

Changing the state of a stored value/prepaid account from “inactive” to “active”,
enabling the card for use, and requesting the loading of a variable amount to the
account.

Address Verification
System

A service supported by Visa, MasterCard, Discover and American Express that
verifies the cardholder's billing address against the address on file with the issuer.
AVS is designed to minimize fraud in non-face-to-face transactions (card not
present, internet, mail/phone order).

Advice Message

A message that notifies a party of an action that has been taken and does not
require further approval, but does require a response from the receiver.

AFD

See Automated Fuel Dispenser.

Age Verification

A security process used to verify a consumer’s age. Age verification is typically
used by liquor and tobacco outlets, bars and casinos.

Agents

Those who sell bankcard services to merchants on behalf of ISOs, acquirers and
processors. Also known as merchant level salespeople (MLSs) and independent
sales agents (ISAs), most agents are independent contractors. Others are paid
employees of ISOs, acquirers and processors.

AID (Application Identifier)

Names of applications supported by the POS. The POS obtains the DF names
from the Card by issuing SELECT and READ RECORD commands. The POS
AIDs are compared with the Chip Card DF Names to find a mutually supported
application. *POS and Chip Card can support multiple AIDs.
The AID structure is an ISO entity defined in the ISO7816 standard and is made
up of two elements:
• The RID (Registered Identification Provider Identifier) is five (5) bytes and
identifies the scheme. (See RID for more detailed explanation).
• The PIX (Proprietary Application Identification Extension) is a variable length
field from 0 to 11 bytes long and is used to identify the different applications
offered. Each brand under a specific scheme normally have a unique PIX.
Example of two AID’s for VISA:
• RID: A000000003
PIX: 1010
AID: A0000000031010
PRODUCT: Visa Credit or Debit
• RID: A000000003
PIX: 1020
AID: A0000000032010
PRODUCT: Visa Electron

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HPS Integrator’s Guide V 16.1.1

Table G-1 Glossary
Term

Definition

AIP (Application
Interchange Profile)

List of security functions that reside on the Chip Card. The AIP indicates which
functions are supported by the Card and which should be applied to the current
transaction.
Types of security functions residing on the card may include:
• SDA
• DDA
• CDA
• Terminal Risk Management
• Cardholder Verification
• Issuer Authentication.
See SDA, DDA, CDA, and other functions for further details.

American Banks
Association Transit
Number

See ABA Transit Number.

American National
Standards Institute

Governing institute that establishes guidelines for business practices.

American Standard Code
for Information Interchange

ASCII is a character-encoding scheme based on the ordering of the English
alphabet. ASCII codes represent text for computers, communications equipment,
and other devices that use text.

Annual Percentage Rate

The percentage rate charged for a credit card (or other loan) for a whole year. It is
the finance charge, expressed as an annual rate.

ANSI

See American National Standards Institute.

Application Version
Number (ICC)

This data element indicates the version of the application on the Chip Card. It is
specified by the Payment System and used in Application Version Number
checking by the POS.

Application Version
Number (Terminal)

This data element indicates the version of the application on the POS device. It is
specified by the Payment System and used in Application Version Number
checking by the POS.

Approved Scanning Vendor
(ASV)

The PCI Security Standards Council maintains a structured process for security
solution providers to become Approved Scanning Vendors (ASVs), as well as to
be re-approved each year. The five founding members of the Council recognize
the ASVs certified by the PCI Security Standards Council as being qualified to
validate adherence to the PCI DSS by performing vulnerability scans of Internet
facing environments of merchants and service providers. The major requirement
of the process is a rigorous remote test conducted by each vendor on the PCI
Security Standards Council's test infrastructure, which simulates the network of a
typical security scan customer. The Council has set up the test infrastructure in
such a way as to deliberately introduce vulnerabilities and misconfigurations for
the vendor to identify and report as part of the compliance testing process.

APR

See Annual Percentage Rate.

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G: Glossary

Table G-1 Glossary
Term

Definition

ARPC (Authorization
Response Cryptogram)

Used in Online processing. A cryptogram generated by the Issuer in response to
an ARQC. It is sent in the authorization response back to the acquirer Host to the
POS. The POS sends this cryptogram back to the Chip Card with a response code
accepting or declining the transaction. The Chip Card’s receipt and validation of
the ARPC confirms approval response from the Issuer and ensures that it is
communicating with the valid Issuer. This cryptogram is also typically used to
allow the Chip Card to reset counters.

ARQC (Authorization
Request Cryptogram)

Used in Online processing. This is a cryptogram requested by the POS and
generated by the Chip Card at the end of the first round of Card Action Analysis
step for transactions requiring online authorization. It is included in the
authorization request or full financial request (B2) sent to the Issuer and it allows
the Issuer to verify the validity of the Chip Card and message. When validated by
the Issuer, the ARQC confirms that the Chip Card has not been copied or
changed.

ASCII

See American Standard Code for Information Interchange.

Attended POS

An attended POS device, meaning a person representing the merchant, accepts
the payment. This can also be called a MAT, attended POS, and face-to-face
transaction.

Auth Only

Authorization Only. Host Processing Mode whereby a POS utilizes the Heartland
network to obtain online authorizations only. It then captures offline transactions
such as sales captures, returns, and voids and settles with an acquirer other than
Heartland.

Authorization

A process where a merchant issues a request to an authorization center to obtain
an approval for a cardholder transaction for a specific amount. This process
verifies that a credit or debit card has sufficient funds available to cover the
amount of the transaction. This process also reserves the specified amount and
ensures the card is authentic and not reported lost or stolen. This authorization
request is usually submitted through a point-of-sale device. The merchant may
also obtain authorizations by telephoning the authorization center.

Authorization
Characteristics Indicator

A value determined by VISA based on the data included with the authorization
request. It is returned with the electronic authorization response.

Authorization Code

A code that a credit card issuing bank returns to the POS indicating an approval of
the request transaction.

Authorization Request

If the cardholder account has sufficient funds to cover the amount of the
transaction.

Authorization Response

A response to an authorization request indicating a financial institution’s approval
or disapproval of a transaction.

Auto-Substantiation

This transaction is applied to either a Credit Authorization or Credit Sale
Transaction. Amount types included in this transaction are healthcare,
prescription, vision/optical, clinic or other qualified medical and dental amounts.

Automated Clearing House

An electronic payment network most commonly associated with payroll direct
deposit and recurring payments. The ACH can be used also to clear electronic
checks and other demand deposit account (DDA) transactions.

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HPS Integrator’s Guide V 16.1.1

Table G-1 Glossary
Term

Definition

Automated Fuel Dispenser

A pump at a service station or truck stop that is operated by the cardholder to
obtain credit for pumping fuel. The pump contains a card reader. Also called an
ICR, CRIND, or CAT.

Balance Inquiry

Requesting the balance of an account to provide to the cardholder at the POS.

Bank Card

In general, a bank card refers to a plastic card issued by a bank and used to
access funds from an account.

Bank Card Direct (BCD)

A service offered by Heartland Prepaid Services.

Bank Identification Number
(BIN)

The primary account number found on credit cards and bank cards. It is a six-digit
number, maintained by the American Bankers Association that identifies the bank
and type of card. The first number identifies the card type (i.e., Amex = 3, VISA =
4, MasterCard = 5, Discover = 6). Also known as Issuer Identification Number
(IIN).

Bank Routing Number

See Transit Routing Number.

Batch

Based on pre-determined criteria, the terminal will submit the batch transaction
that has taken place since the last successful batch.

Batch Close

The process of sending batch information to the Host processor for clearing and
settlement (the cardholders are charged and the merchant is paid).

BER-TLV Format

TLV is a data format that uses a label (tag) to uniquely identify the field. The tag is
followed by the length, then the actual value of the field.

BIN

See Bank Identification Number.

CA (Certificate Authority)

Trusted third party that establishes a proof that links a public key (used by a
merchant) and other relevant information to its owner. The CA issues, revokes and
expires certificates. It is responsible for ensuring that the identity of the user
requesting the certificate is legitimate.

Card Acceptance
Processing Network
(CAPN)

A set of requirements mandated by American Express to ensure processing of
AMEX transactions according to their security standards. CAPN enhances POS
security, supports expanded amounts, and adds a transaction life cycle identifier
for all AMEX transactions.

Card Acceptor

The facility at which a purchase is made and a payment transaction is initiated.
Also known as a merchant.

Card Acceptor Business
(CAB) Program Code

Formerly MCC (Merchant Category Code) is a numerical representation of the
type of business in which the card acceptor (merchant) engages. MasterCard
assigns these codes.

Card Authentication

Chip Cards are authenticated during the payment transaction, protecting against
counterfeit cards.
Transactions require an authentic card validated either online by the Issuer using a
dynamic cryptogram or offline with the Terminal using one of the following
authentication methods:
• SDA (Static Data Authentication)
• DDA (Dynamic Data Authentication)
• CDA (Combined DDA with application cryptogram generation)

Card Identifier (CID)

368

See Card Verification Number.

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G: Glossary

Table G-1 Glossary
Term

Definition

Card Issuing Bank

A financial institution that issues payment cards such as credit/debit cards.

Card Not Present

Card transactions (Internet or MOTO/eCommerce purchases, for example) for
which the customer's card is not physically handled by the merchant. Interchange
is set higher on these transactions because there is a higher risk of fraud.

Card Reader IN Dispenser
(CRIND)

A term used primarily by Gilbarco referring to their brand of ICR.

Card Validation Code (CVC)

Three digit code value. See Card Verification Number.

Card Verification Number
(CVN)

This is a three or four digit number that appears on either the front or back of a
credit card. It is not included in the magnetic stripe data. It is provided as a fraud
deterrent to ensure the card is physically present when a POS transaction is
initiated. These codes are only required at authorization time. The following terms
are used by various card issuers: CVV2 and CVC2 (three digits) used by VISA and
MasterCard account numbers. CID (three digits) used by Discover account
numbers. CID (four digits) used by American Express account numbers.

Card Verification Value
(CVV)

An authentication procedure established by credit card companies to reduce fraud
for internet transactions. It consists of requiring a card holder to enter the CVV
number in at transaction time to verify that the card is on hand. The CVV code is a
security feature for “card not present” transactions (e.g., Internet transactions),
and now appears on most (but not all) major credit and debit cards. This new
feature is a three- or four-digit code which provides a cryptographic check of the
information embossed on the card. The CVV code is not part of the card number
itself.

Cardholder

A customer doing business with a merchant using a payment card.

Cardholder Authentication
Verification Value

A unique value transmitted by an issuer (or VISA on behalf of an issuer) in
response to an authorization request message.

Cardholder Verification

This verification validates that the person using the Chip Card is the true
cardholder and the Card has not been lost or stolen.
The Chip Card contains a list of cardholder verification methods (CVM) it supports,
and the conditions under which they should be applied. The POS must navigate
through this list and attempt the first method it finds for which the condition is
met. If a method fails, the POS must check whether additional methods are
allowed. For example, a list might contain the following:
• Signature
• Online enciphered PIN
• Offline enciphered PIN
• Offline enciphered PIN and signature
• Offline plaintext PIN
• Offline plaintext PIN and signature
• No CVM required

Cash Advance

A transaction that dispenses cash against a cardholder’s account using rules
specific to a client/merchant.

Cash Back

This is a service offered to retail customers whereby an amount is added to the
total purchase price of a transaction the customer receives that amount in cash
along with the purchase.

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Table G-1 Glossary
Term

Definition

Cash Out

To remove the remaining cash funds available on the stored value card leaving the
card with a balance of zero for the cash account.

CAT

See Customer Activated Terminal.

CAVV

See Cardholder Authentication Verification Value.

CDA (Combined
DDA/Application
Cryptogram Generation)

Used in Offline processing. One of the three methods of Offline Data
Authentication. This applies the same requirements of DDA with an additional step
during Chip Card analysis so it is the most secure option. It offers protection
against counterfeit and skimming and protects against man-in-the-middle attacks.
The Chip Card generates a dynamic signature using card private key, in addition
to the application cryptogram, to prove that the Chip Card authenticated during
DDA was the same card that provided the application cryptogram.

CDOL1 (Card Data Object
List)

A list of data objects (tags and lengths) that are personalized on the Chip Card to
make a decision on whether to approve or decline a transaction. They are read
from the Card by the POS and used for the generation of the first cryptogram. The
POS will send the values of these data objects together with the first Generate AC
Command.

CDOL2 (Card Data Object
List)

A list of data objects (tags and lengths) that are personalized on the Chip Card to
make a decision on whether to approve or decline a transaction. They are read
from the Card by the POS and used for the generation of the final cryptogram. The
POS will send the values of these data objects together with the second Generate
AC Command.

Certificate

The public key and identity of an entity together with some other information,
rendered unforgeable by signing with the private key of the certification authority
which issued that certificate.

Chargeback

A procedure where a cardholder or card issuer is disputing all or part of the
amount of a credit or debit card transaction. A chargeback is therefore the act of
taking back funds from a merchant for a disputed or improper transaction.

Check Reader

A device used to scan images of checks, according to legal specifications, for
electronic clearing and settlement. Also known as check scanner.

Chip Card

A Chip Card (also known as a Smart Card or ICC) is simply a plastic card
containing an integrated circuit. It is used to perform EMV transactions on a POS
and is instrumental in reducing fraud. It is usually powered by a reader and relies
on a reader to function. Chip cards may be contact or contactless.
A reader recognizes a Chip Card by the first digit of its Service Code, with one of
the following values:
• “2” for international cards
• “6” for domestic cards

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G: Glossary

Table G-1 Glossary
Term
CID (Cryptogram
Information Data)

Definition
A bit that is set by the Chip Card after Card Risk Management. It indicates the
action to be performed by the POS.
There are 3 types of actions indicated by the CID:
• AAC is generated whenever a card declines a transaction
• ARQC is generated whenever a card requests online authorization
• TC is generated whenever a card approves a transaction.
In addition, the card may also return a reason or advice code (e.g. service not
allowed, or issuer authentication failed) to allow the terminal to perform any
additional processing that may be required.

Client

A company that has contracted to use the services provided by Heartland
Payment Services.

Commercial Cards

Credit cards issued to businesses for travel, entertainment and other business
expenses.

Consumer

See Cardholder.

Contact Chip Card

With a contact Chip Card, the embedded chip must come into physical contact
with the chip reader for the payment transaction to occur. The Chip Card must
remain in contact with the reader for the duration of the transaction. The terminal
provides power to the chip to enable the chip to process.

Contactless Card

These cards are also known as Proximity cards or NFC cards. These cards
communicate with a reader through a RFID (radio frequency interface device) by
waving or tapping the card on the designated area on the terminal. With a
contactless Chip Card, the embedded chip must come within sufficient proximity of
the reader (a maximum of 4cm) for information to flow between the chip and the
acceptance terminal.
The terminal provides power to the chip to enable the chip to process but the card
does not have to remain in the device through the end of the transaction. This
minimizes the amount of time the card must be held within proximity of a reader.
Transmission of information is faster between the Card and the Terminal with
contactless. And, additional steps may be performed after the card has left the
proximity of the reader.
The contactless card has an embedded RF antenna. It has longer life and higher
reliability than a contact card.
This contactless card method is the foundation for acceptance of mobile
payments.

Coordinated Universal
Time

The time scale used as the basis of a coordinated dissemination of standard
frequencies and time signals. UTC is formerly known as Greenwich Mean Time
(GMT).

Corporate Cards

See Commercial Cards.

Counter-top POS

A category of POS devices that typically fits on a counter for use.

CPS

See Custom Payment Services.

CRIND

See Card Reader IN Dispenser.

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Table G-1 Glossary
Term

Definition

Cryptogram

A numeric value that is the result of data elements entered into an algorithm. The
result of this operation ‘hides’ the data and produces a ‘digital signature’ that can
be used to verify the origin and integrity of the data by either a Chip Card or an
Issuer.
For EMV, a cryptogram is generated by the Chip Card in response to a Generate
AC command and by the Issuer in the authorization response message.

Customer

See Cardholder.

Customer Activated
Terminal

An unattended POS, which includes kiosks and fuel dispensers. Similar to AFD,
ICR, & CRIND. Also known as Cardholder Activated Terminal.

Customer Payment
Services

VISA’s regulations for the information that must be submitted with each
transaction. Transactions must meet CPS criteria in order to qualify for lowest
transaction-processing fees available. This is similar to MasterCard’s Merit
system.

CVC2

See Card Validation Code or Card Verification Number.

CVN

See Card Verification Number.

CVV

See Card Verification Value.

CVV2

Three digit code used by Visa. See CVN.

Data Element

The identification of a data element based on the relative position of the data
element within the message.

DDA (Dynamic
Authentication Data)

An authentication technique used in offline chip transactions. This technique
calculates a cryptogram for each transaction that is unique to the card and
transaction. DDA protects against modification counterfeiting, cloning, and
skimming.

DE

See Data Element.

Demand Deposit Account
(DDA)

A merchant’s checking account that is credited or debited with their deposits, fees
and adjustments (also referred to as Direct Deposit Account).

Derived Unique Key Per
Transaction

Reference standard X9.24, Retail Key Management for this definition. It is a key
management technique in which for every transaction a unique key is used, which
is derived from a fixed key. If a derived key is compromised, future and past
transaction data are still protected since the next or prior keys cannot be easily
determined.

Discover

Common name for DFS Services LLC.

Discretionary Data

An optional field where client data can be included within a transaction.

DSS

Data Security Standard. See PCI-DSS.

Dual Interface Card

A chip card that has contact and contactless interfaces. The card can be tapped or
inserted into the POS device to initiate a transaction.

DUKPT

See Derived Unique Key Per Transaction.

E-PIN

Electronic PIN.

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Table G-1 Glossary
Term

Definition

E3™

Heartland End-to-End Encryption. New technology offered by Heartland to allow
encryption of card data from initial swipe or input at the POS through arrival at the
Issuer. This system not only removes intrusion threats but it also greatly reduces
the scope for PCI audits on the associated merchant POS software.

EBT

See Electronic Benefits Transfer.

EFT

Electronic Funds Transfer. A way of performing financial transactions
electronically. The Pulse and Star networks are examples of EFT systems.

Electronic Benefits
Transfer

EBT is an electronic system in the United States that allows state governments to
provide financial and material benefits to authorized recipients via a plastic debit
card. Common benefits provided via EBT are typically sorted into two general
categories: Food Stamp and Cash Benefits.

Electronic PIN

E-PIN.

Electronic PIN Delivery

A service provided by Heartland Prepaid Services.

EMV Terminal or Reader

Also known as a Chip device. This is any point of sale device that is able to
process chip transactions.

EMVCo

Europay International, MasterCard International and VISA International. EMVCo
manages, maintains and enhances the EMV® Integrated Circuit Card
Specifications for chip-based payment cards and acceptance devices, including
POS terminals and ATMs. EMVCo establishes and administers testing and
approval processes to evaluate compliance with the EMV Specifications. EMVCo
is currently owned by American Express, JCB, MasterCard and VISA.

Encryption

A method of protecting data. Encryption transforms readable information using an
algorithm (called a cipher) and makes it unintelligible to anyone except those who
possess a key that converts the information back into readable form. See also
end-to-end data encryption.

End-to-End Encryption

E3™.
Refers to the Heartland Payment System process of converting card data to
seemingly unreadable text from the moment it gets entered at the POS and
through to the final authorization.

EPD

See Electronic PIN Delivery.

Face-to-Face Transactions

Transactions in which both the cardholder and the card are present at the point of
sale.

Fallback

If a Chip-Card-capable POS is unable to read the data from the Chip Card, or if
there are no mutually supported applications between the Card and the POS, the
POS will ‘fallback’ to a magnetic stripe or manually keyed transaction.
The resulting magnetic stripe or manually keyed transaction must be submitted to
the Issuer for authorization online.

Financial Transaction

A message that either notifies the Host of the completion of a previously
authorized payment transaction or that requests the approval and completion of
the payment transaction by the Host causing the reconciliation totals to be
increased.

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Term

Definition

Flexible Spending
Accounts

A tax-advantaged financial account that can be set up through an employer in the
United States. An FSA allows an employee to set aside a portion of his or her
earnings to pay for qualified expenses as established in the cafeteria plan, most
commonly for medical expenses or purchases.

Floor Limit

The payment amount above which credit and debit card transactions must be
authorized. This amount is specified in each merchant's processing agreement.

FSA

See Flexible Spending Accounts.

General Services
Administration

VISA Purchasing Card that is issued to federal government agencies by an Issuer
contracted with the General Services Administration.

Global Trade Identification
Number

The GTIN is an umbrella term used to describe the entire family of EAN/UCC data
structures for trade item (products and services) identification. GTIN is a term only.
It does not change existing standards. The UCC-12 code does not go away.
The definition and information obtained from the Uniform Code Council, Inc. Refer
to the organization's website at www.uc-council.org for more information.

Gratuity

This is an adjustment to a transaction for a tip.

GSA

See General Services Administration.

GTIN

See Global Trade Identification Number.

HDC

See Host Data Capture.

Health Reimbursement
Arrangement

HRAs are Internal Revenue Service sanctioned programs that allow an employer
to set aside funds to reimburse medical expenses paid by participating employees.
Using an HRA yields tax advantages to offset health care costs for both
employees as well as an employer.

Host Data Capture

Host Processing Mode whereby a POS utilizes the Heartland network to
authorize, capture and adjust transactions. The POS maintains a batch which it
reconciles with the Host. The Host will settle the batch on behalf of the POS.

HRA

See Health Reimbursement Arrangement.

IAC (Issuer Action Code)

Issuer-configured conditions or rules stored on the Chip Card. As a result of
previous Chip & POS processing steps, the IACs are used by the POS, along with
analysis of the TVR (Terminal Verification Results), to determine the action to be
taken.
Three types of codes are:
• IAC Default: Specifies the Issuer's conditions (or rules) that cause a transaction
to be rejected if it might have been approved online, but the terminal is unable to
process the transaction online.
• IAC DenialB Specifies the Issuer's conditions (or rules) that cause the denial of
a transaction without attempt to go online.
• IAC Online: Specifies the Issuer's conditions (or rules) that cause a transaction
to be transmitted online.

ICC

Another name for a Chip Card or Chip application.

ICR

See Island Card Reader.

IEEE

See Institute of Electrical and Electronics Engineers.

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Table G-1 Glossary
Term

Definition

IIAS

See Inventory Information Approval System.

IIN

See Bank Identification Number (BIN).

Incremental Authorization

Unique authorization for the Lodging Industry. Occurs when an authorization is
adjusted above a threshold amount.

Information Security and
Compliance (ISC)

ISC program used by Discover to implement and maintain efficient data security
requirements and procedures. PCI is now used as a standard.

Inside POS

See Attended POS.

Institute of Electrical and
Electronics Engineers

The IEEE is a non-profit professional association dedicated to advancing
technological innovation related to electricity.

Integrated POS

A category of POS devices that typically combine several Point of Service
locations in such industries as Retail, Parking, and Petroleum.

Integrated Services Digital
Network

A set of standards for digital transmission over ordinary telephone copper wire as
well as over other media. ISDN requires adapters at both ends of the transmission
so an access provider also needs an ISDN adapter.

Interchange

The process by which all parties involved in a credit card transaction (processors,
acquirers, and issuers) manages the processing, clearing and settlement of credit
card transactions.

Interchange Fees

Fees paid by the acquirer (Heartland) to the card issuing bank to compensate for
transaction-related costs.

International Organization
for Standardization

See ISO.

International
Telecommunication Union

An international organization within which governments and the private sector
coordinate global telecom networks and services.

Inventory Information
Approval System

This system identifies the qualified healthcare products being purchased by the
cardholder at the point of sale. This system must be used for merchants utilizing
auto-substantiation.

IP Address

Internet Protocol Address. A unique number assigned to any computer or printer
that uses internet protocol.

ISA

Independent Sales Agent. See Agents.

ISC

See Information Security and Compliance.

ISDN

See Integrated Services Digital Network.

Island Card Reader

An ICR is an unattended device that accepts payment cards, typically used with
fuel pumps at gasoline stations. Also known as AFD, CAT, CRINDS, DCR, and
pay-at-the-pump.

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Term

Definition

ISO

International Organization for Standardization. Founded in 1946, ISO is an
international organization composed of national standards bodies from over 75
countries. ANSI is a member of ISO. ISO has defined a number of important
computer standards. Also an organization registered with VISA and sponsored by
an acquiring bank to sell VISA card acceptance services. Can refer to an
organization that works with and does business under the name of such a
registered ISO. ISOs may also service merchant accounts once they are
registered, dependent upon the contract with the acquirer. MasterCard uses the
term “member service provider” to describe ISOs. However, it is common within
the payments industry to use the term “ISO” when referring to independent sales
organizations registered with either or both card brands.

Issuer

A company that enters into contractual relationships with consumers and/or
businesses through the issuance of plastic credit/debit cards. An issuer is also
known as a “card issuing center.” Examples of issuers are Bank of America and
Citi-Bank.

Issuer Authentication

EMVCO: Validation of the issuer by the Chip Card to ensure the integrity of the
authorization response.
If the auth response contains an ARPC (Authorization Response Cryptogram), the
Terminal sends the cryptogram to the Chip Card. The Card then performs Issuer
Authentication by validating the response cryptogram to verify that the response
came from the genuine Issuer.
This process prevents criminals from circumventing the Chip Card’s security
features by simulating online processing and fraudulently approving a transaction
to reset counters and indicators.
If this step fails, subsequent transactions for the Chip Card will be sent online for
authorization until Issuer Authentication is successful.

Issuer Script

This is a string of commands sent to the chip card from an issuer in a transaction
response. The issuer can update securely the contents that are stored on chip
cards without reissuing the cards, such as changing the cardholder’s PIN,
disabling the card, enabling a card, or changing authorization controls for the card.
The terminal must send each of these commands unaltered to the Card.

Issuing Bank

A federally insured financial institution that issues credit and debit cards. This is
the cardholder's financial institution.

Issuing Host

The processing system that acts under the authority of the card issuer to receive a
transaction and to approve funds to be given to the card acceptor or to guarantee
checks.

ITU

See International Telecommunication Union.

JCB

Japan Credit Bureau. An independent card company originally established in
Japan. JCB International Credit Card Company, Ltd. was established in Los
Angeles in 1988 to issue credit cards as well.

Key Data

Data related to a security key. Reference standard X9.24, Retail Key
Management.

Key Serial Number (KSN)

Used in PIN encryption/decryption.

Level of Issuance (LOI)

Series Number.

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Term

Definition

LLVAR

L is for length (LLL = 3 bytes). The field is parsed as three bytes of length and
remaining of bytes as text content.

Load Amount

The amount of value that is added to the account. See Activation and Reload.

Load Value

To deposit funds into a cash account. See Activation and Replenish.

Local Pump Limit

This is the dollar amount that the POS has set for an ICR. The Pump will not
exceed this amount regardless of the approved amount of the transaction. The
customer can initiate another transaction if more fuel is desired.

Longitudinal Redundancy
Character

The LRC is used as an error checking method by both Host and terminal to
validate that the data was received without error.

LRC

See Longitudinal Redundancy Character.

LUHN Formula

The LUHN formula, also known as the MOD-10 Checksum, is used to generate
and/or validate and verify the accuracy of account numbers.

Maestro

Maestro is a multi-national debit card service owned by MasterCard.

Magnetic Ink Character
Recognition

Used on checks and includes the ABA number, account number, check sequence
number, and special characters.

Magnetic Strip Reader

The device that a payment card is swiped through as the Track Data is read.

Magnetic Stripe

A strip of magnetic material on the back of credit cards which contains data
identifying the cardholder, such as account number and cardholder name.

Manual Entry (Key Entered)

Card information is entered manually, or key-entered into a terminal, usually
because the magnetic stripe could not be read or the card is not present at the
time of sale (i.e., a mail/phone order merchant).

MAT

Manually Attended Terminal. See Inside POS.

MCC

See Merchant Category Code.

Member Service Provider

See ISO.

Merchant

Describes the business relationship where a cardholder interacts with the client.

Merchant Bank

A banking or financial institution that provides merchant services.

Merchant Category Code

Usually a four digit number that identifies the type of business in which a merchant
is engaged by the type of goods or services it provides. VISA and MasterCard
have specific numbers for each type of merchant business.

Merchant Discount Fee

A fee charged to a merchant for card processing services. This fee is usually
represented in a percent format (example 2.25%). This merchant discount fee is
used to determine part of a merchant’s monthly processing charge.

Merchant Identification
Number

A number assigned by an acquirer to identify each merchant for the purpose of
reporting, processing and billing. All Heartland Payment Systems merchant
numbers begin with a 65. All Heartland Payment Systems merchant numbers are
15 digits in length.

Merchant Service Fee

A fee assessed to a merchant for Heartland’s value-add services such as the
Merchant Center, 24/7 customer support and local servicing by Heartland
Payment Systems Relationship Managers.

Merchant Services Provider

Handles the setup with the Front-End and Back-End Processors by Heartland.

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Term

Definition

Message

A set of data elements used to exchange information between a POS application
and the Heartland system.

MICR

See Magnetic Ink Character Recognition.

MID

See Merchant Identification Number.

MIME

See Multipurpose Internet Mail Extensions.

MOD-10 Checksum

Modulus 10 Checksum. The “modulus 10” or mod 10” algorithm, also known as
the Luhn formula, is a simple checksum formula used to validate a variety of
identification numbers, such as credit card numbers.

MOTO/eCommerce

Mail Order/Telephone Order. A category of card-not-present transactions involving
purchases made through mail order or telesales companies. In this type of
transaction, the merchant typically has a card terminal and manually keys in
required card information for transmission to the appropriate authorization
network. Interchange rates for these transactions are among the highest.

MPLS

See Multi protocol Label Switching.

MSP

See Merchant Services Provider.

MSR

See Magnetic Strip Reader.

Multiprotocol Label
Switching

A mechanism in high-performance telecommunications networks which directs
and carries data from one network node to the next. It can encapsulate packets of
various network protocols. MPLS is a highly scalable, protocol agnostic,
data-carrying mechanism. Packet-forwarding decisions are made solely on the
contents of the MPLS label, without the need to examine the packet itself. This
allows creation of end-to-end circuits across any type of transport medium, using
any protocol.

Multipurpose Internet Mail
Extensions

An Internet standard that extends the format of email to support: Text in character
sets other than ASCII Non-text attachments Message bodies with multiple parts
Header information in non-ASCII character sets.

NACS

National Association of Convenience Stores. See PCATS.

NDA

Non-Disclosure Agreement. A confidentiality agreement signed by a customer and
delivered to Heartland Payment Systems. Completion of NDA is required before
receiving Heartland SDK, documentation and specifications.

NFC (Near Field
Communication)

Wireless communication that allows data to be exchanged between devices (such
as smart phones or mobile phones) that are centimeters apart. NFC-enabled
mobile phones incorporate smart chips (called secure elements) that allow the
phones to securely store payment and consumer account information.

NTS

Network Terminal Specification. Heartland proprietary transaction format (VAPS).

NWS

Heartland Host processing system supporting the Z01 and the POS 8583
specifications.

Offline Approval

A transaction that is approved at the point of transaction between the Chip Card
and POS only, without an authorization response from the Issuer.

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Term
Offline Data Authentication

Definition
This is a method the POS uses to authenticate a Chip Card using public-key
cryptography. This authentication check protects against counterfeit and
skimming.
There are three methods of authentication that may be used:
• SDA
• DDA
• CDA
The method chosen is determined by the Issuer depending upon Chip Card
capability. Only one method of offline data authentication is performed during a
transaction.

Offline Decline

A transaction that is declined at the point of transaction between the Chip Card
and POS only without interaction with the Host and Issuer (no authorization
response from the Issuer).

Offline Enciphered PIN

A card verification method (CVM). In this method, the PIN is entered at the POS
device. The POS encrypts the entered PIN before sending it to the Chip Card
(using public key encryption). The Chip Card decrypts PIN and compares with the
reference PIN in its memory.
This method assists with prevention of counterfeit and skimming through the use
of cryptography.
Terminals that support Offline Enciphered PIN must also support the less secure
Offline Plaintext PIN method.

Offline PIN Verification

The process whereby a cardholder-entered PIN is passed to the Chip Card for
comparison to a PIN value stored secretly on the Card.
This method assists with detection of a lost or stolen card.

Offline Plaintext PIN

A card verification method (CVM). The cardholder enters a PIN at the entry
device. The entry device does not encrypt the PIN before sending it to the Chip
Card
This is commonly used by cards that cannot support the more secure Offline
Enciphered PIN method.
Terminals that support Offline Plaintext PIN must also support Offline Enciphered
PIN method.

Online Card Authentication

Used in Online processing. When Chip Card and Terminal agree to send a
transaction online, the Chip Card generates a cryptogram, the ARQC
(Authorization Request Cryptogram). The Issuer may respond with an ARPC
(Authorization Response Cryptogram).

Open-to-Buy (OTB)

An inquiry transaction used to request the unused credit amount available for the
account at the time of the transaction. The OTB is the amount of credit left on an
account. For example, before a purchase, a customer has $500.00 OTB. The
customer purchases $200.00 worth of products. After the sale, the OTB returned
in the response will be $300.00.

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Term

Definition

Owning Host

Owning Host refers to one of several instances of the VAPS application suite that
“owns” a particular terminal. These instances are geographically separated across
the country. Any of these Hosts can initiate the authorization of a financial request
(1200) with the issuer, but the Owning Host is the only Host that can process the
capture or collect for that transaction.

PA-DSS

See Payment Application Data Security Standard.

PAN

See Primary Account Number.

PAPB

See Payment Application Best Practices.

Partial Authorization

A process to complete a transaction if the full amount requested is not approved
but a partial portion of the requested amount is approved. A merchant must be set
up for this capability. If a merchant is set up for this capability, the Issuer response
will contain the full amount requested or a lesser or partial amount authorized.

Pay at the Pump (PATP)

The ability to use a payment card at a self-service island for the petroleum
industry. See ICR, AFD, CAT, or CRIND.

Payment Application Best
Practices

PCI SSC took over management of PABP and renamed to PA-DSS. See PA-DSS.

Payment Application Data
Security Standard

Established to help software vendors and others develop secure payment
applications that do not store prohibited data and to ensure their compliance with
the PCI DSS. Payment applications that are sold, distributed or licensed to third
parties are subject to PA DSS requirements.

Payment Card Industry
(PCI)

The PCI denotes the debit, credit, prepaid, and POS cards and associated
businesses. The term is sometimes more specifically used to refer to the Payment
Card Industry Security Standards Council (PCI SSC) an independent council
originally formed with the goal of managing the ongoing evolution of the Payment
Card Industry Data Security Standards.

Payment Card Industry
Compliance Acceleration
Program

Under the CAP plan, acquirers are required to validate Level 1 and Level 2
merchant compliance with PIN security. This means that Level 1 and Level 2
merchants must not use payment devices such as PIN pads, and encourages the
use of unique encryption keys for every device. For Level 3 and Level 4
merchants, acquirers must establish a thorough compliance program for those
merchants. According to VISA, as of November 1, 2007, acquirers whose
transactions qualify for lower interchange rates available in the VISA and Interlink
tiers must ensure that the merchants generating the transactions are PCI
compliant in order to receive this benefit.

Payment Card Industry
Data Security Standard
(PCI-DSS)

The Payment Card Industry Data Security Standard is a worldwide information
security standards assembled by the Payment Card Industry Security Standards
Council (PCI SSC). The standard was created to help organizations that process
card payments prevent credit card fraud through increased controls around data
and its exposure to compromise. The standard applies to all organizations which
hold, process, or pass cardholder information from any card branded with the logo
of one of the card brands.

PCATS

See Petroleum Convenience Alliance for Technology Standards.

PCI

See Payment Card Industry.

PCI CAP

See Payment Card Industry Compliance Acceleration Program.

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Term

Definition

PCI-DSS

See Payment Card Industry Data Security Standard.

PED

See PIN Entry Device.

Peripheral

Any device that attaches to a computer and is controlled by its processor.

Personal Identification
Number (PIN)

A PIN is used to help ensure that the cardholder is really the cardholder. It is
typically a four digit number that is not found anywhere on the card or in track data.

Petroleum Convenience
Alliance for Technology
Standards

PCATS is an organization devoted to the development, maintenance, and
implementation of standards for the convenience store and petroleum industries.

Piggyback Transaction

A Piggyback transaction allows the Capture from a previous Pre-authorization to
be sent when the next transaction is sent to the Host. This helps to reduce the
number of transactions sent reducing the cost to the merchant. Some transactions
cannot be piggybacked.
Fleet cards are not supported as part of a Piggyback transaction.

PIN

See Personal Identification Number.

PIN (Personal Identification
Number)

For EMV, a secret number between 4 and 12 digits, known only by the
Cardholder. It may be used during Cardholder Verification to confirm that the user
of the card is the cardholder.
The methods of PIN verification supported by EMV are:
• Offline Plaintext PIN
• Offline Enciphered PIN
• Online Enciphered PIN
For EMV processing, when either online or offline PIN is changed, they must be
synchronized.

PIN Debit

A debit card transaction authorized by the cardholder using a PIN.

PIN Entry Device

PCI PED requirements were established to protect against fraud by ensuring the
security of devices that process financial data. Approval is granted for devices that
have been evaluated by an approved laboratory and determined to be compliant
with PCI Security Requirements.

PIN Pad

Numeric key pad a consumer uses to enter a PIN when paying with a debit card.

PL

See Private Label.

PLR

See Private Label Retail.

Point of Purchase (POP)

See POS.

POS

Point of Sale or Point of Service. The hardware and software used to collect and
transmit non-cash payments for goods and/or services. The device where retail
sales occur and payment transactions are initiated.

POS 8583

A Heartland transaction format based on ISO 8583.

POS System

Point of Sale System or Point of Service System. The system that processes the
transaction messages at a point of service. The system may handle other
non-transaction functions also.

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Table G-1 Glossary
Term

Definition

PPSE (Proximity Payment
System Environment)

This contains a directory of all the contactless payment applications that exist on
the ICC. PPSE is mandatory in all contactless implementations.

Pre-Authorization

A pre-authorization is a request for approval of an estimated purchase amount
before the exact amount is known.

Prepaid Card

A card representing a proxy for a stored value/prepaid account where value
resides that the consumer can use for the purchase of specific goods or services
provided by a prepaid product’s service provider.

Primary Account Number

The account number that appears on the face of payment cards.

Private Key

That key of an entity’s asymmetric key pair that should only be used by that entity.
In the case of a digital signature scheme, the private key defines the signature
function.

Private Label Cards

Private Label products or services are typically those manufactured or provided by
one company for offer under another company’s brand. Private Label Payment
Cards tend to be exclusive to one merchant or company and can include special
features, such as a loyalty program.

Private Label Retail

Acronym for Heartland Retail's Private Label system.

Processor

An acquirer (such as Heartland Payment Systems) or an acquirer’s agent that
provides authorization, clearing or settlement services for merchants.

PROM

Programmable Read-Only Memory. A form of digital memory where the setting of
each bit is locked. Such PROMs are used to store programs permanently. The key
difference from a strict ROM is that the programming is applied after the device is
constructed.

Proprietary Cards

See Private Label Cards.

Proximity Entry

This transaction occurs when a card is read by a proximity reader to capture the
card information stored on the magnetic strip or chip.

PSE (Payment System
Environment)

This is a method that could be used by the Terminal for application selection. PSE
is optional but highly recommended to enhance the performance of the
transaction.
HPS recommends this method if it is supported by the Chip Card.

Public Key

This is the public component of an asymmetric key pair. The public key is usually
publicly exposed and available to users (not secret). A certificate to prove its origin
often accompanies it. All card brands utilize public keys and it is used for contact
and contactless.
It is used to counter act any cryptographic operation that is done by the Private
Key. The Public Key has a mathematical link to the Private Key which makes them
a key pair.

Purchase

This term represents both a sale transaction and an Authorization/Force Draft
Capture transaction pair.

QRG

Quick-Reference Guide. A document or chart, used as a guide, to give a merchant
quick reference to terminal operation procedures, such as batch settlement,
offline/force entries, returns, etc.

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G: Glossary

Table G-1 Glossary
Term

Definition

QSR

Quick Service Restaurant. A specific type of restaurant characterized by fast-food
cuisine and by mini-meal table service.

Random Selection

An EMV online-capable POS function that allows for the selection of transactions
for online processing. Part of the Terminal Risk Management function.

RDC

See Remote Deposit Capture.

Real Time Clearing

RTC is used only with VISA transactions, and is an online transaction based
clearing system for Petroleum Merchant Codes 5541 and 5542 only.

Recharge

See Replenish.

Reconciliation

The process of confirming the accuracy of partial or final totals by comparing totals
from different systems.

Reference Account

The account is part of an application transaction as one criterion for assessing the
suitability for granting the application for a new account.

Referral Messages

A “call” or “call center” response for an authorization. See also Voice Authorization
Center.

Reload

To load an amount of funds into a stored value/prepaid account.

Remote Deposit Capture

A check deposit process whereby paper checks are converted into digital images
for electronic clearing and settlement, through either electronic check or ACH
systems.

Replenish

To deposit funds into either the cash or credit account.

Request

A message directing or instructing the receiver to perform a specified action and
respond with the results of the action.

Response

A message that provides the results of an action requested by the sender.

Response Codes

Codes returned from the Issuer down to the POS. Codes verify that a particular
transaction was accepted or reflect why it was declined.

Retransmits Message

A message that retransmits the same information as a prior message.

Retrieval

A request for a legible copy of a sales slip and/or other documentation relating to a
credit or debit card transaction. This is the process or stage before a disputed
transaction becomes a chargeback.

Reversal

A system initiated transaction request to cancel or reverse a recently completed
transaction.

Reversal Transaction

A message that cancels the specified financial transaction that was previously
reported as complete, causing the reconciliation totals to be decreased.

RFID

Radio Frequency Identification or Radio Frequency Input Device. Radio-frequency
identification (RFID) is the use of an RFID tag applied to or incorporated into a
product for the purpose of identification using radio waves. Some tags can be read
from several meters away and beyond the line of sight of the reader.

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Table G-1 Glossary
Term

Definition

RID (Registered
Application Provider
Identifier)

This is part of the AID, 5 bytes in length, used to identify the scheme (e.g. Visa,
MasterCard, etc). Functions of this field:
• Identifies the payment brand/application
• Certification Authority Public Key Index (1 byte) – unique per RID
• It is received from the Chip Card and is a pointer to the offline Public keys
required for the transaction.

Routing Transit Number

A routing transit number is a nine-digit bank code, used in the United States, which
appears on the bottom of negotiable instruments such as checks identifying the
financial institution on which is was drawn.

RTC

See Real Time Clearing.

RTN

See Routing Transit Number.

Script Commands (Issuer
Scripts)

Issuers can return script commands to Chip Cards in online responses.
Scripts can block chips, and change Chip Card offline limits. Scripts may not be
relevant to the current transaction but are important for the continued functioning
of the ICC.
A script may contain commands not known to the terminal, but the terminal must
deliver each command to the ICC individually.

SDA (Static Data
Authentication)

One of the three methods of Offline Data Authentication. SDA authenticates SAD
(static data) put on the card by the Issuer has not changed since the original
personalization of the card. This is a Terminal function.
Each Chip Card is personalized with an Issuer public key certificate and static
signed application data composed of data elements personalized onto the card
and signed with Issuer private key. The POS validates this cryptographic
signature/value.
During SDA processing, the Chip Card is passive and the Terminal is active. The
Chip Card provides the data to be validated but the POS carries out all the
computation.
This protects against some types of counterfeit fraud, ensuring that the data has
not been fraudulently altered since original chip card personalization. This does
not protect against skimming.
Each terminal should be able to store 6 certification authority public keys per
Registered Application Provider Identifier (RID).

Service Code

The 3-digit code that follows the expiration date on the card’s Track 2 magnetic
stripe. In EMV it is used to identify the technology supported of the payment card
being swiped. Values supported by HPS are as follows for the first digit:
• 2 = International (EMV Chip, debit or credit)
• 6 = National use only (EMV Chip, debit or credit)

Service Fee

See Merchant Service Fee.

Session

A series of messages exchanged between the POS application and the Heartland
system during a single communication connection.

Settlement

The process of transferring funds for sales and credits between acquirers and
issuers, including the final debiting of a cardholder’s account and the crediting of a
merchant’s account.

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G: Glossary

Table G-1 Glossary
Term

Definition

SIC

See Merchant Category Code.

Signature Debit

A VISA Debit or Debit MasterCard transaction authorized by a cardholder's
signature.

Spectrum

A Heartland proprietary POS Transaction Format.

Split Tender

Split tender processing allows the total amount of a particular transaction to be
split over two different methods of payment (electronic or non-electronic).

SSL

Secure Sockets Layer. A protocol for transmitting data over the internet. SSL uses
a cryptographic system to provide safety and privacy of data.

STAN

System Trace Audit Number. Also known as the transaction sequence number.

Stand-In

The process of providing authorization services on behalf of an Issuer. If allowed,
a processing network or POS may act as a stand-in for the authorizer to approve
transactions.

State Withholding Tax Rate
(SWT Rate)

The state withholding tax rate that is imposed for this transaction. The rates can
vary by state.

SVS

Stored Value Solutions.

Swiped Entry

A transaction where a card is swiped (or passed) through a magnetic card reader
or chip reader to capture card information stored on the magnetic strip or chip.

System/Device

A single hardware unit (device) or a group of units (system) that present messages
to a Host processing system.

TAC (Terminal Action
Codes)

A set of action codes stored on the POS terminal for AIDs it supports. As a result
of previous Chip & POS processing steps, these are used by the POS, along with
analysis of the TVR, to determine the action to be taken.
Three types of codes are:
• TAC Default: Specifies the acquirer’s conditions that cause a transaction to be
rejected if it might have been approved online, but the terminal is unable to
process the transaction online.
• TAC Denial: Specifies the acquirer’s conditions that cause the denial of a
transaction without an attempt to go online.
• TAC Online: Specifies the acquirer’s conditions that cause a transaction to be
transmitted online.

TAG Format

This is the format method used to exchange information with the EMV Chip and
the POS Terminal. Each Tag is assigned a Tag Number denoting the type of
information it contains.

Tamper Resistant Security
Module

Key encryption.

Taxpayer Identification
Number

An identification number assigned to taxpayers by the IRS. The TIN for individuals
is their social security number. The TIN for businesses is the employer
identification number.

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Table G-1 Glossary
Term

Definition

TC (Transaction Certificate)

Indicates the data input and output capabilities of the POS, such as:
• methods supported for entering information from the card into the POS
• methods (CVM) for verifying the identity of the cardholder
• methods for authenticating the card and whether or not the POS has the ability
to capture a card

TDC

See Terminal Data Capture.

TDES

See Triple Data Encryption System.

Terminal

See POS system.

Terminal Based Terminal

A system where the merchant’s transactions are stored within the terminals
memory. The terminal stores the transactions until the merchant closes the batch.

Terminal Data Capture

The terminal captures all transactions and forwards transaction detail to the
Heartland Host via a batch upload transaction. The terminal captures all other
credit card transactions offline without contacting the Host.

Terminal Identification
Number

A number assigned to the physical terminal device to identify its attributes to the
processor. Each terminal within a merchant location has a separate TID.

Terminal Risk Management

This step performs various checks to protect the Issuer, acquirer, and system from
fraud. Checks include the following:
• Floor Limit
• Random Selection
• Velocity Checking
The results of these checks are stored by the Terminal in the TVR for later use.
Note: The terminal may randomly select some transactions for online processing.

Third Party Processors

An independent processor that is contracted with by a Bank or Processor to
conduct a part of transaction processing.

TID

See Terminal Identification Number.

TIN

See Taxpayer Identification Number.

TPP

See Third-Party Processors.

Track Data

Track Data is the information encoded within the magnetic strip on the back of a
credit card which is read by the electronic reader within the terminal or
point-of-sale (POS) system.

Transaction

A set of messages to complete a processing action.

Transaction Fee

A fee charged to a merchant each time a transaction is processed, which dials into
the authorization system, such as a sale or authorization only.

Triple Data Encryption
System

In cryptography, Triple DES is the common name for the Triple Data Encryption
Algorithm. It is so named because it applies the Data Encryption Standard (DES)
cipher algorithm three times to each data block. Triple DES provides a relatively
simple method of increasing the key size of DES to protect against brute force
attacks, without requiring a completely new block cipher algorithm.

TRSM

See Tamper Resistant Security Module.

TSYS

Total System Services. Vital. Back-end processor.

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G: Glossary

Table G-1 Glossary
Term
TVR (Terminal Verification
Result)

Definition
The TVR is an EMV Tag containing the status of several different EMV checks and
functions performed by the PINPad, Kernel, or the POS.
It consists of a series of indicators used to record the results of offline processing
between the Chip and the POS (e.g. card is expired, cardholder verification has
failed, or online floor limits have been exceeded).
The POS compares the TVR values with the IACs (on the Card) and TACs (on the
POS) to determine if the transaction should be approved, declined, or sent online
to the Issuer. Upon that determination the POS requests a cryptogram from the
Chip Card (TC, ARQC or AAC).

UAT

See User Acceptance Test.

Unload Value

See cash out.

User Acceptance Test
(UAT)

Testing for business users to attempt to make a system fail, taking into account the
type of organization it will functioning in. It is checking and verifying the system in
the context of the business environment it will operate in.

UTC

See Coordinated Universal Time.

Value Added Reseller

A company that adds features or services to an existing product and resells it
(usually to end-users) as an integrated product or complete turn-key solution.

ValueLink

ValueLink is a prepaid or stored value card and is a funds-valued card issued to a
cardholder by a merchant.

VAPS

Value Added Payment System. Proprietary Heartland Host processing system
supporting the NTS and the POS 8583 specifications.

VAR

See Value Added Reseller.

VDDF

Variable Discretionary Data Field. See Discretionary Data.

Version

May refer to a document version or software version. Each time a new document
or software revision is released, a revision version number is incremented.

VIP

VISANet Integrated Payment System. VISA's main transaction processing
system.

VNP

VISANet Processors. An entity that is directly connected to VISA through a
VISANet Extended Access Server (VEAS).

Voice Authorization

An authorization center operated either by issuers or by processors on behalf of
issuers. It is used to respond to requests for authorizations for purchases from
merchants who do not have terminals, or whose terminals are not functioning
properly, or for transactions for which special assistance is required.

Void

An attendant initiated transaction request to cancel a recently completed
transaction.

VSAT

Very Small Aperture Terminal.
The hardware and software located at a merchant’s location that allows POS
communications via satellite.

Z01

A Heartland Proprietary POS Transaction Format.

Zero Balance

See cash out.

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Appendix H: Revision History
Revision History
Version

Release Date

Revisions

15.1

Mar-2015

New document.

15.1.1

May-2015

General release clarification updates:
• Identified corrections and clarification updates.
• Added new BIN ranges.
• Added missing requirement for PayPal card type.

15.2

Oct-2015

General release clarification updates:
• 1.4 Payment Application Data Security Standards (PA-DSS), pg. 20: Added
requirement for strong cryptography.
• New section 2.1 Address Verification Service, pg. 21.
• New section 2.2 Chargeback Protected Limits, pg. 23: Moved from specifications.
• New section 2.3 No Signature Required, pg. 24: Moved from specifications.
• Separated the previous Chapter 5: EMV Processing Overview, pg. 91 into the
following chapters and restructured and applied updates:
– Chapter 6: EMV Development Overview, pg. 101
– Chapter 7: EMV Terminal Interface, pg. 109
– Chapter 8: EMV Parameter Interface, pg. 153
• A.2 MasterCard BIN Ranges, pg. 235: MasterCard mandate that new bin range
222100–272099 be supported.
• Table B-1 Conexxus Product Codes, pg. 251: Added the following codes:
– Added off-road (non-taxable) gasoline (3 specific grades, 2 generic grades)
codes 325–329)
– Added 90 Octane Recreational Fuel (330)
– Added Hydrogen H35 (331) and Hydrogen H70 (332)
• New section B.2 MasterCard Purchasing Product Codes, pg. 264.
• Table C-1 Additional Receipt Requirements by Card Types, pg. 290: Clarification
for offline decline receipts. Deleted replicated information regarding Expiration
Date.
• New Appendix E: EMV Field Definitions, pg. 295: Moved from specifications and
modified format and content for clarification.
• New Appendix F: EMV PDL Data Examples, pg. 320.
• Table E-31 Issuer Script Results, pg. 310: Correction from alphanumeric to binary.
PIF 1124 – Drop Tank:
• Table 3-1 Card Brand References to BIN Ranges and Track Data, pg. 27: Added
card type for Drop Tank.
• New section 3.7 Drop Tank Card, pg. 43 with Track Format subsections.
• New section A.9 Drop Tank, pg. 247.

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H: Revision History

Revision History
Version
16.1

Release Date
Mar-2015

Revisions
General release clarification updates:
• Global change: Removed GSB reference throughout.
• Global change: Replaced () with Heartland Gift Card.
• Table 5-11 Full vs. Partial Credit Transactions, pg. 98: Clarification from vendor
inquiry.
• Table 5-12 Full vs. Partial Debit Transactions, pg. 99: Clarification from vendor
inquiry.
• 6.1.2 Contactless Devices, pg. 101: MasterCard has replaced the reference to
contactless from ‘PayPass’ to ‘MasterCard Contactless’. Updated version
numbers.
• 6.3.1 Test Requirements, pg. 103: MasterCard has replaced the reference to
contactless from ‘PayPass’ to ‘MasterCard Contacless’.
• Table 6-2 VSDC Testing, pg. 104: Updated version numbers.
• Table 6-4 AEIPS Testing, pg. 105: Updated version numbers.
• B.4 Heartland Product Codes for VISA Fleet Processing, pg. 270: Correction,
Heartland product codes for VISA Fleet processing have been reinstated and new
comment added.
• Table E-22 Form Factor Indicator, pg. 306: Tag 9F6E. Deleted reference to MSD
contactless. MasterCard contactless utilizes the reference to this 9F6E field as
MasterCard Contactless in Table E-41 Third Party Data, pg. 315.
• Correction of examples for FFC6, FFC7, and FFC8. Labeling these field identifiers
as Heartland-defined.
– Table E-34 Terminal Action Code – Default, pg. 312
– Table E-35 Terminal Action Code – Denial, pg. 312
– Table E-36 Terminal Action Code – Online, pg. 313
• Table E-41 Third Party Data, pg. 315: Tag 9F6E. MasterCard has changed the
reference to contactless from ‘PayPass’ to ‘MasterCard Contactless’.

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