XX4f Manual

Issuer Debit MasterCard
—Test Cases
16 August 2013
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XX4f 16 August 2013 • Issuer Debit MasterCard—Test Cases

Summary of Changes
This document reflects changes associated with the 13.Q4 release.
Description of Change Where to Look

Updated the following test cases and sections.
0900001. 0900001—Issuer Debit MasterCard—MSR Base—All Business
Transactions—Authorization Requests and Reversals
0900004. 0900004—Issuer Debit MasterCard—MSR Base—Technical

Conditions—Authorization Requests
0900009. 0900009—Issuer Debit MasterCard—MSR Base—CVC 1 and CVC
2—Authorization Requests
0900501 0900501—Issuer Debit MasterCard—MSR Product and Services—Balance
Inquiry—Authorization Requests
0900901 0900901—Issuer Debit MasterCard—MSR Product and Services—MasterCard
PayPass Mapping Service with Dynamic CVC 3 Pre Validation—Autho-
rization Requests
PayPass Mapping Service with Dynamic CVC 3 Pre-validation
Service—Authorization Advices (System-generated)
0900851. 0900851—Issuer Debit MasterCard—MSR Product and Services—Transit
Program Transactions—Authorization Requests
PayPass Dynamic CVC 3 Pre-validation Service—Authorization Requests
PayPass Dynamic CVC 3 Pre-validation Service—Authorization Advices
(System-generated)
0901751. 0901751—Issuer Debit MasterCard—MSR Product and Services—MasterCard
rePower Load Payment Transaction—Authorization Requests and Reversals
0901801. 0901801—Issuer Debit MasterCard—MSR Product and Services—Real-Time
Substantiation—Authorization and Reversal Requests
0901901. 0901901—Issuer Debit MasterCard—MSR Product and Services—PIN
Pre-validation Service—Authorization Requests
0902801 0902801—Issuer Debit MasterCard—MSR Product and Services—PIN
Management—Authorization and Reversal Requests
Pay with Rewards Service—Authorization Requests
Pay with Rewards Service—Authorization Advices (System-generated)
Test Cases—ICC-based Authorization Response M/Chip-specific General Acceptance Criteria
Operations

Issuer Debit MasterCard—Test Cases • 15 August 2013 1
0950401. 0950401—Issuer Debit MasterCard—ICC Product and Services—M/Chip

Cryptogram Pre-validation Service—Authorization Requests
0951051. 0951051—Issuer Debit MasterCard—ICC Product and Services—Transit
Program Transactions—Authorization Requests
1920901 1920901—Issuer Debit MasterCard—File Generated by
MasterCard—MasterCard rePower Load Payment Transaction
1921001 1921001—Issuer Debit MasterCard—File Generated by MasterCard—Identi-
fication of MasterPass Transactions
3300001. 3300001—Issuer Debit MasterCard—MSR Base—Day One
Transactions—Financial Transaction Requests, Advices and Reversals
3300002. 3300002—Issuer Debit MasterCard—MSR Base—Day Two
Transactions—Financial Transaction Requests and Reversals
3300004. 3300041—Issuer Debit MasterCard—MSR Base—Dynamic Currency

Conversion—Financial Transaction Requests
3300101. 3300101—Issuer Debit MasterCard—MSR Product and Services—Intracur-
rency Settlement—Financial Transaction Requests
3300201. 3300201—Issuer Debit MasterCard—MSR Product and Services—Partial
Approval Processing—Financial Transaction Requests and Reversal
3300301. 3300301—Issuer Debit MasterCard—MSR Base—Payment
3300341. Table 3300341—Issuer Debit MasterCard—MSR Product and

Services—MasterCard rePower Load Payment Transaction—Financial
Transaction Requests and Reversals
3300401. 3300401—Issuer Debit MasterCard—MSR Product and Services—Cross

Border—Financial Transaction Requests
3300501. 3300501—Issuer Debit MasterCard—MSR Product and Services—Online
Exception Item Processing—Financial Transaction Requests, Advices and
Reversals
3300801. 3300801—Issuer Debit MasterCard—MSR Product and Services—Address
Verification Service—Financial Transaction Requests
3300901. 3300901—Issuer Debit MasterCard—MSR Product and Services—Expert
Monitoring Compromised Account Service—Financial Transaction Requests
and Advices
3301001. 3301001—Issuer Debit MasterCard—MSR Product and Services—Regression
Testing—Financial Transaction Requests
PayPass (All Business Transactions)—Financial Transaction Requests
PayPass (Technical Conditions)—Financial Transaction Requests

2 15 August 2013 • Issuer Debit MasterCard—Test Cases
PayPass Mapping Service with Dynamic CVC 3 Pre-validation—Financial
Transaction Requests

PayPass Mapping Service with Dynamic CVC 3 Validation—Financial
Transaction Advices (System-generated)
3301151. 3301151—Issuer Debit MasterCard—MSR Product and Services—Transit
Program Transactions—Financial Transaction Requests
PayPass Mapping Service with Dynamic CVC 3 Pre-validation—Financial
Transaction Request and Reversal
PayPass Dynamic CVC 3 Pre-validation Service—Financial Transaction
Requests
PayPass Dynamic CVC 3 Pre-validation Service—Financial Transaction
Advices
PayPass Dynamic CVC 3 Validation in Stand-In Service—Financial
Transaction Advices (System-generated)
3301301. 3301301—Issuer Debit MasterCard—MSR Product and Services—Expert
Monitoring Fraud Scoring Service—Financial Transaction Requests
3301401. 3301401—Issuer Debit MasterCard—MSR Base—MasterCard MoneySend

Payment Transactions—Financial Transaction Requests and Reversals

MoneySend Funding Transactions—Financial Transaction Requests and
Reversals
3301501. 3301501—Issuer Debit MasterCard—MSR Product and Services—Program
Participation Indicator—Financial Transaction Requests and Advices

inControl Real Card Spend Control Service—Financial Transaction Requests
and Reversals

inControl Virtual Card Service—Financial Transaction Requests and
Reversals

inControl Virtual Card Service—Financial Transaction Advices
(Acquirer-generated)
3301701. 3301701—Issuer Debit MasterCard—MSR Base—DE 28 Transaction Fee
Financial Transaction Requests and Reversals

Issuer Debit MasterCard—Test Cases • 15 August 2013 3
3303101. 3303101—Issuer Debit MasterCard—MSR Product and Services—Fraud
Notification Service—Financial Transaction Requests, Advices and Reversals
3350001. 3350001—Issuer Debit MasterCard—ICC Base—All Business
Transaction—Financial Transaction Requests
3350002. 3350002—Issuer Debit MasterCard—ICC Base—Technical
Conditions—Financial Transaction Requests
3350003. 3350003—Issuer Debit MasterCard—ICC Base—All Business
Transctions—Financial Transaction Advices
3350101. 3350101—Issuer Debit MasterCard—ICC Product and Services—PIN
Management (All Business Transactions)—Financial Transaction Requests
Management (Selected Response Codes)—Financial Transaction Requests
Management (Reversals)—Financial Transaction Requests and Reversals
3350201. 3350201—Issuer Debit MasterCard—ICC Product and Services—Chip to
Magnetic Stripe Conversion Service—Financial Transaction Requests
Cryptogram Validation in Stand-In Processing—Financial Transaction
Advices
Cryptogram Pre-validation Service—Financial Transaction Requests
Cryptogram Pre-validation Service—Financial Transaction Advices
(System-generated)

Cryptogram Pre-validation Service—Financial Transaction Requests and
Reversals
3350551. 3350551—Issuer Debit MasterCard—ICC Product and Services—Transit
Program Transactions—Financial Transaction Requests

4 15 August 2013 • Issuer Debit MasterCard—Test Cases
Table of Contents
Chapter 1 Dual Message Authorization—Issuer Debit

MasterCard ................................................................................................ 1-i
Introduction ............................................................................................................................. 1-1
CITR Table Notations......................................................................................................... 1-2
Test Cases—Magnetic Stripe-based Operations ....................................................................... 1-2
Base Testing....................................................................................................................... 1-3
Programs and Services ..................................................................................................... 1-29
Test Cases—ICC-based Operations .......................................................................................1-163
Authorization Response M/Chip-specific General Acceptance Criteria...........................1-163
Base Testing....................................................................................................................1-163
Programs and Services ....................................................................................................1-175
Chapter 2 Dual Message Clearing—Issuer Debit MasterCard ........... 2-i

Introduction ............................................................................................................................. 2-1
Member-generated File ...................................................................................................... 2-2
File Generated by MasterCard ......................................................................................... 2-11
Test Cases—ICC-based Operations ........................................................................................ 2-36
Member-generated File .................................................................................................... 2-36
File Generated by MasterCard ......................................................................................... 2-40
Chapter 3 Dual Message Integrated Authorization and

Clearing—Issuer Debit MasterCard ......................................................... 3-i
Introduction ............................................................................................................................. 3-1
Test Cases—Issuer Debit MasterCard....................................................................................... 3-2
2850001—Issuer Debit MasterCard—Base Testing............................................................. 3-3
2850101—Issuer Debit MasterCard—Products and Services .............................................. 3-7
Message Flows—Issuer Debit MasterCard—Mandatory Business Transactions...................... 3-10
2850201—Test Procedures—Mandatory Business Transactions ....................................... 3-11
Message Flows—Issuer Debit MasterCard—Conditional Business Transactions .................... 3-15
2850301—Test Procedures—Conditional Business Transactions...................................... 3-16

Issuer Debit MasterCard—Test Cases • 16 August 2013 i
Table of Contents
Chapter 4 Single Message Financial, Exception, and

Reporting—Issuer Debit MasterCard....................................................... 4-i
Introduction ............................................................................................................................. 4-1
Base Testing....................................................................................................................... 4-2
Programs and Services Testing ........................................................................................ 4-24
Test Cases—ICC-based Operations .......................................................................................4-118
Base Testing....................................................................................................................4-118
Programs and Services Testing .......................................................................................4-129

ii 16 August 2013 • Issuer Debit MasterCard—Test Cases
Chapter 1 Dual Message Authorization—Issuer Debit
MasterCard
This chapter describes the test cases for conducting individual application testing and
validation of a customer's Dual Message authorization application.
Introduction ................................................................................................................................... 1-1

CITR Table Notations............................................................................................................... 1-2
Test Cases—Magnetic Stripe-based Operations ............................................................................. 1-2
Base Testing............................................................................................................................. 1-3
0900001—Issuer Debit MasterCard—MSR Base—All Business
Transactions—Authorization Requests and Reversals ........................................................ 1-4
0900003—Issuer Debit MasterCard—MSR Base—Selected Response
Codes—Authorization Requests....................................................................................... 1-10
0900004—Issuer Debit MasterCard—MSR Base—Technical Conditions—Authorization
Requests........................................................................................................................... 1-12
0900006—Issuer Debit MasterCard—MSR Base—System-generated—Reversal
Advices ............................................................................................................................ 1-15
0900008—Issuer Debit MasterCard—MSR Base—System-generated—Authorization
Advices ............................................................................................................................ 1-17
0900009—Issuer Debit MasterCard—MSR Base—CVC 1 and CVC 2—Authorization
Requests........................................................................................................................... 1-21
0900011—Issuer Debit MasterCard—MSR Base—Dynamic Currency
Conversion—Authorization Request ................................................................................ 1-22
0901701—Issuer Debit MasterCard—MSR Base—Payment Transaction
Type—Authorization Requests......................................................................................... 1-23
0901702—Issuer Debit MasterCard—MSR Base—MasterCard MoneySend Payment
Transaction—Authorization and Reversal Requests ......................................................... 1-24
0902601—Issuer Debit MasterCard—MSR Base—DE 28 Transaction Fee—Authorization
Requests, Reversals and Advices...................................................................................... 1-25
0903101—Issuer Debit MasterCard—MSR Base—Automated Fuel Dispenser
TransactionAuthorization Requests, Advices and Reversals ............................................. 1-27
Programs and Services ........................................................................................................... 1-29
0900101—Issuer Debit MasterCard—MSR Product and Services—Merchant Advice
Code—Authorization Requests ........................................................................................ 1-30
0900201—Issuer Debit MasterCard—MSR Product and Services—Recurring
Payments—Authorization Requests ................................................................................. 1-31
0900301—Issuer Debit MasterCard—MSR Product and Services—Risk
Finder—Authorization Requests and Advices .................................................................. 1-33
0900302—Issuer Debit MasterCard—MSR Product and Services—EMS Near Real
Time—Authorization Requests and Advices .................................................................... 1-35

Issuer Debit MasterCard—Test Cases • 16 August 2013 1-i
Dual Message Authorization—Issuer Debit MasterCard
0900401—Issuer Debit MasterCard—MSR Product and Services—AVS with

Authorization—Authorization Requests ........................................................................... 1-37
0900501—Issuer Debit MasterCard—MSR Product and Services—Balance
Inquiry—Authorization Requests ..................................................................................... 1-39
0900601—Issuer Debit MasterCard—MSR Product and Services—MasterCard
SecureCode AAV Verification Service—Authorization Requests ....................................... 1-40
0900602—Issuer Debit MasterCard—MSR Product and Services—UCAF—Authorization
Requests........................................................................................................................... 1-41
0900606—Issuer Debit MasterCard—MSR Product and Services—MasterCard Advance
Registration Program—Authorization Requests................................................................ 1-43
0900701—Issuer Debit MasterCard—MSR Product and Services—Parcelas Payments
(Brazil)—Authorization Requests ..................................................................................... 1-45
0900702—Issuer Debit MasterCard—MSR Product and Services—Cuotas Payments
(Argentina)—Authorization Requests............................................................................... 1-46
(Uruguay)—Authorization Requests ................................................................................ 1-48
(Peru)—Authorization Requests....................................................................................... 1-50
0900706—Issuer Debit MasterCard—MSR Product and Services—Citizen
ID—Authorization Requests............................................................................................. 1-51
0900800—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass
(All Business Transactions)—Authorization Requests ...................................................... 1-52
(Technical Conditions)—Authorization Requests............................................................. 1-55
0900841—Issuer Debit MasterCard—MSR Product and Services—MasterCard Digital
Enablement Service—Authorization Requests and Advices ............................................. 1-60
0900851—Issuer Debit MasterCard—MSR Product and Services—Transit Program
Transactions—Authorization Requests ............................................................................. 1-64
MasterCard PayPass Mapping Service.............................................................................. 1-66
PayPass Mapping Service with Dynamic CVC 3 Pre Validation—Authorization
Requests..................................................................................................................... 1-67
PayPass Mapping Service with Dynamic CVC 3 Pre-validation
Service—Authorization Advices (System-generated).................................................. 1-70
PayPass Mapping Service with Dynamic CVC 3 Pre-Validation
Service—Authorization and Reversal Request............................................................ 1-81
0900907—Issuer Debit MasterCard—MSR Product and Services—MasterCard Assurance
Service—Authorization Requests ..................................................................................... 1-82
Dynamic CVC 3 Pre-validation Service—Authorization Requests .................................... 1-84

1-ii 16 August 2013 • Issuer Debit MasterCard—Test Cases

PayPass Dynamic CVC 3 Pre-validation Service—Authorization Advices
(System-generated) .......................................................................................................... 1-86
PayPass Dynamic CVC 3 Validation in Stand-In Service—Authorization Advices
0901201—Issuer Debit MasterCard—MSR Product and Services—Member-defined
Data—Authorization Requests ........................................................................................1-100
0901301—Issuer Debit MasterCard—MSR Product and Services—Partial
Approval—Authorization and Reversal Requests............................................................1-101
0901401—Issuer Debit MasterCard—MSR Product and Services—Account Level
Management (U.S. Region)—Authorization Requests .....................................................1-103
Management (Europe Region)—Authorization Requests ................................................1-104
Management (Asia Pacific Region)—Authorization Requests..........................................1-105
0901501—Issuer Debit MasterCard—MSR Product and Services—Customer Data
Messages—Administrative Requests................................................................................1-106
0901601—Issuer Debit MasterCard—MSR Product and Services—Purchase Approval
Only PWCB—Authorization Requests.............................................................................1-109
MoneySend Funding Transaction—Authorization and Reversal Requests ......................1-110
0901751—Issuer Debit MasterCard—MSR Product and Services—MasterCard rePower
Load Payment Transaction—Authorization Requests and Reversals ...............................1-112
0901801—Issuer Debit MasterCard—MSR Product and Services—Real-Time
Substantiation—Authorization and Reversal Requests ....................................................1-113
0901901—Issuer Debit MasterCard—MSR Product and Services—PIN Pre-validation
Service—Authorization Requests ....................................................................................1-115
0901902—Issuer Debit MasterCard—MSR Product and Services—PIN Validation In
Stand-In Service (Europe Region)—Authorization Advices (System-generated) .............1-116
0901911—Issuer Debit MasterCard—MSR Product and Services—Intracountry POS
Cash Back Transactions—Authorization Requests ..........................................................1-118
0902001—Issuer Debit MasterCard—MSR Product and Services—ASCII
EBCDIC—Authorization Requests, Advice and Reversal.................................................1-119
0902101—Issuer Debit MasterCard—MSR Product and Services—Alternate Issuer
Routing—Authorization Requests and Advices ...............................................................1-121
0902201—Issuer Debit MasterCard—MSR Product and Services—MasterCard inControl
Real Card Spend Control Service—Authorization Requests ............................................1-122
Real Card Spend Control Service—Authorization Advices (System-generated) ..............1-125
Real Card Spend Control ServiceAuthorization Advices (Acquirer-generated)................1-128
Virtual Card ServiceAuthorization Requests and Reversals .............................................1-129

Issuer Debit MasterCard—Test Cases • 16 August 2013 1-iii

Virtual Card ServiceAuthorization Advices (Acquirer-generated)....................................1-132
Virtual Card ServceAuthorization Advices (System-generated) .......................................1-133
0902301—Issuer Debit MasterCard—MSR Product and Services—MasterCard Hosted
Mobile Phone Top-up ATM Transactions—Authorization Requests................................1-137
0902501—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring
Real-time Fraud Scoring Service—Authorization Requests .............................................1-138
Fraud Scoring Service with Fraud Rule Manager Service—Authorization
Requests..........................................................................................................................1-139
Compromised Account Service—Authorization Requests ...............................................1-140
Compromised Account Service—Authorization Advices (System-generated) .................1-141
0902801—Issuer Debit MasterCard—MSR Product and Services—PIN
Management—Authorization and Reversal Requests ......................................................1-142
0902901—Issuer Debit MasterCard—MSR Product and Services—Funding Transactions
at the ATM—Authorization and Reversal Requests .........................................................1-143
0902902—Issuer Debit MasterCard—MSR Product and Services—Bill Payment at the
ATM (Europe Region)—Authorization and Reversal Requests........................................1-144
0903001—Issuer Debit MasterCard—MSR Product and Services—Third Party Processor
Identification Program—Authorization Requests and Advices ........................................1-145
0903201—Issuer Debit MasterCard—MSR Product and Services—MasterCard Pay with
Rewards Service—Authorization Requests......................................................................1-146
Rewards Service—Authorization Advices (System-generated) ........................................1-147
0903701—Issuer Debit MasterCard—MSR Product and Services—Account Status
Inquiry Service—Authorization Requests........................................................................1-149
0903901—Issuer Debit MasterCard—MSR Product and Services—Mobile Remote
Payments—Authorization and Reversal Requests ...........................................................1-156
0904001—Issuer Debit MasterCard—MSR Product and Services—Device Type
Indicator—Authorization Requests and Reversals...........................................................1-161
0905000—Issuer Debit MasterCard—MSR Product and Services—Receipt Free Text
(Peru)—Authorization Requests......................................................................................1-162
Test Cases—ICC-based Operations .............................................................................................1-163
Authorization Response M/Chip-specific General Acceptance Criteria .................................1-163
Base Testing..........................................................................................................................1-163
0950001—Issuer Debit MasterCard—ICC Base—All Business
Transactions—Authorization Requests ............................................................................1-164
0950002—Issuer Debit MasterCard—ICC Base—Technical Conditions—Authorization
Requests..........................................................................................................................1-167

1-iv 16 August 2013 • Issuer Debit MasterCard—Test Cases
0950003—Issuer Debit MasterCard—ICC Base—Acquirer-generated—Authorization

and Reversal Requests ....................................................................................................1-171
0951401—Issuer Debit MasterCard—ICC Base—DE 28 Transaction Fee—Authorization
and Reversal Requests ....................................................................................................1-173
Programs and Services ..........................................................................................................1-175
0950101—Issuer Debit MasterCard—ICC Product and Services—Balance
Inquiry—Authorization Requests ....................................................................................1-176
0950201—Issuer Debit MasterCard—ICC Product and Services—Chip to Magnetic
Stripe Conversion Service—Authorization Requests .......................................................1-178
Stripe Conversion Service—Authorization Advices (Acquirer-generated) .......................1-180
Stripe Conversion Service (Option to prevent modification of DE 22)—Authorization
Requests, Reversals and Advices.....................................................................................1-181
0950251—Issuer Debit MasterCard—ICC Product and Services—Chip CVC to
CVC 1 Conversion Service (CVC 1 Key/Decision Matrix Only)—Authorization
Requests..........................................................................................................................1-183
0950252—Issuer Debit MasterCard—ICC Product and Services—Chip CVC to CVC
1 Conversion Service (CVC 1 Key/Decision Matrix Only)—Authorization Advices
(System-generated) .........................................................................................................1-185
0950261—Issuer Debit MasterCard—ICC Product and Services—Chip CVC to
CVC 1 Conversion Service (Separate Keys/Decision Matrices)—Authorization
Requests..........................................................................................................................1-188
1 Conversion Service (Separate Keys/Decision Matrices)—Authorization Advices
0950401—Issuer Debit MasterCard—ICC Product and Services—M/Chip Cryptogram
Pre-validation Service—Authorization Requests .............................................................1-193
Pre-validation Service—Authorization Advices (System-generated)................................1-196
Pre-validation Service (TVR/CVR Exceptions)—Authorization Requests ........................1-200
Validation in Stand-In Processing—Authorization Advices (System-generated)..............1-201
Validation in Stand-In Service (TVR/CVR Exceptions)—Authorization Advices
0950601—Issuer Debit MasterCard—ICC Product and Services—PIN Management (All
Business Transactions)—Authorization Requests............................................................1-206
0950602—Issuer Debit MasterCard—ICC Product and Services—PIN Management
(Selected Response Codes)—Authorization Requests .....................................................1-207
0950603—Issuer Debit MasterCard—ICC Product and Services—PIN
Management—Authorization Requests and Reversals.....................................................1-208
Authorization Response PayPass M/Chip-specific General Acceptance Criteria .............1-209

Issuer Debit MasterCard—Test Cases • 16 August 2013 1-v
0951001—Issuer Debit MasterCard—ICC Product and Services—MasterCard

PayPass M/Chip (All Business Transactions)—Authorization Requests.....................1-210
PayPass M/Chip—Authorization Requesst and Reversals .........................................1-213
PayPass M/Chip (Technical Conditions)—Authorization Requests ...........................1-214
0951041—Issuer Debit MasterCard—ICC Product and Services—MasterCard Digital
Enablement Service—Authorization Requests and Advices ......................................1-217
0951051—Issuer Debit MasterCard—ICC Product and Services—Transit Program
Transactions—Authorization Requests ......................................................................1-221
PayPass Mapping Service (Contactless)—Authorization Requests and
Reversals ...................................................................................................................1-224
PayPass Mapping Service (Contactless)—Authorization Advices
(System-generated) ...................................................................................................1-225
PayPass Mapping Service (Contactless)—Authorization Advices
(Acquirer-generated).................................................................................................1-226
0954001—Issuer Debit MasterCard—ICC Product and Services—Device Type
Indicator—Authorization Requests and Reversals...........................................................1-227

1-vi 16 August 2013 • Issuer Debit MasterCard—Test Cases
Introduction
Introduction
This chapter contains details about the test cases applicable to the Issuer Debit
MasterCard business profile during individual application testing and validation
of a customer's issuer Dual Message authorization application.
Separate test cases are provided for magnetic stripe-based operations and for
upgrading to integrated circuit card (ICC)-based operations. Depending on the
nature of a customer's proposed operations, test cases must be selected as
follows:
• For customers undergoing testing and validation for magnetic stripe-based

operations, only those test cases described in the Test Cases—Magnetic
Stripe-based Operations section must be conducted.
• For customers undergoing testing and validation for both magnetic
stripe-based operations and ICC-based operations, the test cases described
in both the Test Cases—Magnetic Stripe-based Operations section and in
the Test Cases—ICC-based Operations section must be conducted.
• For customers that have been validated for magnetic stripe-based operations
and are now undergoing upgrade testing and validation to additionally
conduct ICC-based operations, only those test cases provided in the Test
Cases—ICC-based Operations section must be conducted.
Within the Test Cases—Magnetic Stripe-based operations and the Test

Cases—ICC-based operations sections, test cases are described for both contact
operations and contactless operations. Depending on the nature of a customer's
proposed operations, test cases must be selected as follows:
• For customers undergoing testing and validation for contact operations, only
those test cases described for contact operations must be conducted.
• For customers undergoing testing and validation for both contact operations
and contactless operations, the test cases described for both contact
operations and contactless operations must be conducted.
• For customers that have been validated for contact operations and are
now undergoing upgrade testing and validation to additionally conduct
contactless operations, only those test cases described for contactless
operations must be conducted.
NOTE
If a customer intends to support contactless magnetic stripe-based operations,
the customer must have been previously validated for contact magnetic
stripe-based operations. If a customer intends to support contactless ICC-based
operations, the customer must have been previously validated for upgrade to
contact ICC-based operations.

Issuer Debit MasterCard—Test Cases • 16 August 2013 1-1
Test Cases—Magnetic Stripe-based Operations
The following manuals in the Customer Interface Testing Reference document

set provide references to these test cases, indicating when they should be
conducted:
• Offline Validation
• Online Validation
CITR Table Notations

This table defines notations that appear in tables throughout this chapter.
Table 1.1—CITR Table Notations
Notation Definition
M Indicates a Mandatory business transaction.
C Indicates a Conditional business transaction.
Where it appears in a DE 52 column, indicates a Valid PIN value.
V Where is appears in an RC column, indicates any valid response or any specified
response provided.
IV Where it appears in a DE 52 column, indicates an Invalid PIN value.
b Indicates a blank space when used in DE 48, subelement 71 fourth position.

n/a Indicates Not Applicable.
x For addenda messages, indicates No Information.
Where it appears in a SIM or MTF column, indicates testing is recommended for
1
that environment.
Where it appears in a SIM or MTF column, indicates testing is available for that
0
environment.

The test cases listed in this section are applicable to magnetic stripe-based
operations only. Both contact magnetic stripe-based operations and contactless
magnetic stripe-based operations are addressed. Select the appropriate business
transactions from the following tables and conduct the associated test cases.
NOTE
Debit MasterCard® issuers must be prepared to receive ATM online transactions
for CAT levels 0 and 1.

1-2 16 August 2013 • Issuer Debit MasterCard—Test Cases
Base Testing
This section provides tests to verify that an issuer’s Dual Message authorization
application can process basic Requests.

1-4

0900001—Issuer Debit MasterCard—MSR Base—All Business Transactions—Authorization
Requests and Reversals
The following test cases will test whether an issuer's Dual Message authorization application can receive
Authorization Requests and Reversals for various business transactions, process them, and return correctly
formatted Authorization Responses.
Table 1.2—Table 0900001—Issuer Debit MasterCard—MSR Base—All Business Transactions—Authorization Requests and Reversals
Case DE DE DE 61
ID MTI Retrieval Ref No SIM MTF Business Transaction 3_1 22_1 _10 DE 52 Card Id RC
MSR CAT LEVEL 1
ATM WITHDRAWAL
1 0100 090000100001 1 1 ONLINE PIN 01 90 1 V 001-010 00
ATM withdrawal transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
MSR PURCHASE
2 0100 090000100002 1 1 SIGNATURE 00 90 0 001-010 00
16 August 2013 • Issuer Debit MasterCard—Test Cases
Magnetic stripe purchase transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)

MANUAL ENTRY
3 0100 090000100003 1 1 PURCHASE SIGNATURE 00 01 0 001-010 00
Manual retail transaction - DE 3, SF 2 = 10 (Savings Account)
MANUAL ENTRY
MO/TO PURCHASE
4 0100 090000100004 1 1 NO CVM 00 01 0 001-010 00
MO/TO transaction - DE 3, SF 2 = 10 (Savings Account)
MSR CAT LEVEL 1
5 0100 090000100005 1 1 PURCHASE ONLINE PIN 00 90 1 V 001-010 00
Automated dispensing machine transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
MSR CAT LEVEL 2
6 0100 090000100006 1 1 PURCHASE NO CVM 00 90 2 001-010 00
Self-service terminal transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
Issuer Debit MasterCard—Test Cases • 16 August 2013
Case DE DE DE 61
MSR CAT LEVEL 4

0100 090000100008 1 1 PURCHASE NO CVM 00 90 4 001-010 00
7
In-flight commerce transaction MCC 5964 (Direct Marketing-Catalog Merchants)
DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
MSR CASH
DISBURSEMENT
8 0100 090000100009 1 1 SIGNATURE 17 90 0 001-010 00
Cash disbursement transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
MANUAL ENTRY
CASH DISBURSEMENT
9 0100 090000100010 1 1 SIGNATURE 17 01 0 001-010 00
Cash disbursement transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)

MANUAL ENTRY
PAYMENT
0100 090000100011 1 1 TRANSACTION NO CVM 28 01 0 001-010 00
10
Manual payment transaction; DE 48, SE 77 = 05 (Other)

DE 3, SF 2 = 00 (No account specified [NAS]/Default account) and SF 3 = 20 (Checking Account)
MSR CAT LEVEL 7
11 0100 090000100012 1 1 PURCHASE NO CVM 00 90 7 001-010 00
Transponder transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
ELECTRONIC
COMMERCE PURCHASE
12 0100 090000100013 1 1 ONLINE PIN 00 81 6 V 001-010 00
Electronic commerce purchase transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
ELECTRONIC
COMMERCE PURCHASE
13 0100 090000100014 1 1 NO CVM 00 81 6 001-010 00
Electronic commerce purchase transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
1-5
1-6

Case DE DE DE 61
MSR PURCHASE
14 0100 090000100015 1 1 ONLINE PIN 00 90 0 V 001-010 00
Magnetic stripe purchase transaction - DE 3, SF 2 = 10 (Savings Account)
MSR CASH
DISBURSEMENT
15 0100 090000100016 1 1 ONLINE PIN 17 90 0 V 001-010 00
Magnetic stripe cash disbursement with PIN - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
MSR PAYMENT
TRANSACTION
SIGNATURE OR NO
16 0100 090000100017 1 1 CVM 28 90 0 001-010 00
Magnetic stripe payment transaction; DE 48, SE 77 = C01 (Person-to-Person)

DE 3, SF 2 = 00 (No account specified [NAS]/Default account) and SF 3 = 10 (Savings Account)

ELECTRONIC
COMMERCE PAYMENT
17
Electronic commerce payment transaction; DE 48, SE 77 = C05 (Other)
DE 3, SF 2 and SF 3 = 00 (No account specified [NAS]/Default account)
MSR PURCHASE
WITH CASH BACK
18 0100 090010100019 1 1 ONLINE PIN 09 90 0 V 001-010 00
Purchase with Cash Back transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)
MSR PURCHASE
WITH CASH BACK
19 0100 090000100020 1 1 SIGNATURE 09 90 0 001-010 00
Purchase with Cash Back transaction - DE 3, SF 2 = 00 (No account specified)
Case DE DE DE 61
MSR CASH BACK ONLY
0100 090000100021 1 1 SIGNATURE 09 90 0 001-010 00
20
Cash back only transaction - available for domestic transaction only where allowed by MasterCard - DE 3, SF 2 = 00
(No account specified [NAS]/Default account)
MSR ATM WITHDRAWAL
21 0100 090000100022 1 1 ONLINE PIN 01 90 0 V 001-010 00
ATM withdrawal transaction - DE 3, SF 2 = 20 (Checking Account)
MSR CAT LEVEL 1
ATM WITHDRAWAL
0100 090000100031 1 1 ONLINE PIN 01 90 1 V 001-010 00
22
0400 1 1 DE 39 = 17 00
Full reversal - customer cancellation

MSR PURCHASE
0100 090000100032 1 1 SIGNATURE 00 90 0 001-010 00
23
0400 1 1 DE 39 = 32 00

Partial reversal
MSR CAT LEVEL 1
ATM WITHDRAWAL
0100 090000100033 1 N/A ONLINE PIN 01 90 1 V 001-010 00
24
0400 1 N/A DE 39 = 06 00
Full reversal - error
MSR PURCHASE
0100 090000100034 1 N/A SIGNATURE 00 90 0 001-010 00
25
0400 1 N/A DE 39 = 68 00
Full reversal - response received late
1-7
1-8

Case DE DE DE 61
MSR CAT LEVEL 1
ATM WITHDRAWAL
0100 090000100035 1 N/A ONLINE PIN 01 90 1 V 001-010 00
26
0400 1 N/A DE 39 = 00 00
Full reversal - No reason provided
MSR PURCHASE
0100 090000100036 1 N/A SIGNATURE 00 90 0 001-010 00
27
0400 1 N/A DE 39 = 00 00
Full reversal - No reason provided
ELECTRONIC
COMMERCE PURCHASE
0100 090000100037 1 1 NO CVM 00 81 6 001-010 00
28
0400 1 1 DE 39 = 34 00
Card Not Present (CNP) transaction - electronic commerce purchase and UCAF no support.
0400: Full reversal, DE 39 = 34 (Suspect Fraud)
MSR PURCHASE
29 0100 090000100041 1 1 SIGNATURE 00 90 0 001-010 00
Original authorization request to be followed by an incremental authorization request
MSR PURCHASE
30 0100 090000100042 1 1 SIGNATURE 00 90 0 001-010 00
Incremental authorization request indicated by presence of DE 48, SE 63.

ELECTRONIC
COMMERCE PURCHASE
0100 090000100043 1 1 NO CVM 00 81 6 001-010 00
31
PayPass online initiated transaction identifying the source of submission as PPOL Remote:
DE 48, SE 26, SF 1 = 1 (PPOL Remote)
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0100 090000100044 1 1 NO CVM 00 81 6 001-010 00
32
PayPass online initiated transaction identifying the source of submission as PPOL Remote NFC Payment:
DE 48, SE 26, SF 1 = 1 (PPOL Remote NFC Payment)
MSR PURCHASE
0100 090000100045 1 1 SIGNATURE 00 90 0 001-010 00
33
Final Authorization indicated by:
DE 4 amount greater than zero; DE 48, SE 61, SF 5 = 1 (Final authorization); and DE 61, SF 7 = 0 (Normal request)
MSR PURCHASE
0100 090000100046 1 1 SIGNATURE 00 90 0 001-010 00
34 Preauthorization indicated by:

DE 4 amount greater than zero; DE 48, SE 61, SF 5 = 0 (Normal Authorization/Undefined Finality); and DE 61, SF 7 =
4 (Preauthorized request)
MSR PURCHASE
0100 090000100047 1 1 SIGNATURE 00 90 0 001-010 00

35 Normal Authorization/Undefined Finality indicated by:
DE 4 amount greater than zero; DE 48, SE 61, SF 5 = 0 (Normal Authorization/Undefined Finality); and DE 61, SF 7 =
0 (Normal request)
MSR PURCHASE
0100 090000100048 1 1 SIGNATURE 00 90 0 001-010 00
0400 1 1 DE 39 = 32 00
36
Restaurant transaction with 10% gratuity.
DE 54 present with amount type 44 (Amount Gratuity).
0400: DE 39 = 32 (Partial reversal) and DE 54 gratuity amount present.
1-9
1-10

0900003—Issuer Debit MasterCard—MSR Base—Selected Response Codes—Authorization
Requests
The following test cases will test whether an issuer's Dual Message authorization application can respond with
the decline response codes most commonly used in Authorization Responses.
Table 1.3—Table 0900003—Issuer Debit MasterCard—MSR Base—Selected Response Codes—Authorization Requests
Case DE DE DE 61
MSR PURCHASE
1 0100 090000300001 1 N/A SIGNATURE 00 90 0 011 01
0110: DE 39 = 01 (Refer to card issuer)
MSR ATM WITHDRAWAL
2 0100 090000300002 1 N/A ONLINE PIN 01 90 0 V 012 04
0110: DE 39 = 04 (Capture card)

MSR CASH
DISBURSEMENT
3 0100 090000300003 1 N/A SIGNATURE 17 90 0 013 05
0110: DE 39 = 05 (Do not honor)
ELECTRONIC
COMMERCE PURCHASE
4 0100 090000300004 1 N/A NO CVM 00 81 6 014 12
0110: DE 39 = 12 (Invalid transaction)
MSR PURCHASE
5 0100 090000300005 1 N/A SIGNATURE 00 90 0 015 14
0110: DE 39 = 14 (Invalid card number)

MSR PURCHASE
0100 090000300006 1 N/A SIGNATURE 00 90 0 016 30
6
0110: DE 39 = 30 (Format error)
Case DE DE DE 61
MSR PURCHASE
7 0100 090000300007 1 N/A SIGNATURE 00 90 0 017 41
0110: DE 39 = 41 (Lost card)

MSR CASH
DISBURSEMENT
8 0100 090000300008 1 N/A SIGNATURE 17 90 0 018 43
0110: DE 39 = 43 (Stolen card)

MANUAL CASH
DISBURSEMENT
9 0100 090000300009 1 N/A SIGNATURE 17 01 0 019 51
0110: DE 39 = 51 (Insufficient funds/over credit limit)
MSR PURCHASE

10 0100 090000300010 1 N/A SIGNATURE 00 90 0 020 54
0110: DE 39 = 54 (Expired card)

MSR CASH
DISBURSEMENT

11 0100 090000300011 1 N/A SIGNATURE 17 90 0 021 57
0110: DE 39 = 57 (Transaction not permitted to issuer/cardholder)
MSR CAT LEVEL 1
ATM WITHDRAWAL
12 0100 090000300012 1 N/A ONLINE PIN 01 90 1 V 022 61
0110: DE 39 = 61 (Exceeds withdrawal amount limit)

1-11
1-12

0900004—Issuer Debit MasterCard—MSR Base—Technical Conditions—Authorization
Requests
Authorization Requests, process them, and return correctly formatted Authorization Responses when presented
with some of the less common, but valid, general conditions surrounding the Authorization System.
Table 1.4—Table 0900004—Issuer Debit MasterCard—MSR Base—Technical Conditions—Authorization Requests
Case DE DE DE 61
MSR CAT LEVEL 1
ATM WITHDRAWAL
0100 090000400001 1 N/A ONLINE PIN 01 02 1 V 001-010 00
1
Magnetic stripe compliance status - Acquirer not qualified to submit magnetic stripe transactions
DE 22, SF 1 = 02 (The acquirer is not qualified to use value 90 so MasterCard replaced value 90 or 91 with value 02)
DE 48, SE 88 = Y (Authorization System replaced DE 22, subfield 1, value 90 or 91 with value 02)
MSR PURCHASE
0100 090000400002 1 N/A SIGNATURE 00 90 0 001-010 V

2
Magnetic stripe compliance error
DE 48, SE 89 = A (Track 1 or 2 not present)
MSR PURCHASE
0100 090000400003 1 N/A SIGNATURE 00 90 0 001-010 V
3
DE 48, SE 89 = B (Track 1 and 2 present)
MSR PURCHASE
0100 090000400004 1 N/A SIGNATURE 00 90 0 001-010 V
4
DE 48, SE 89 = C (PAN not equal in track data)
Case DE DE DE 61
MSR CASH
DISBURSEMENT
0100 090000400005 1 N/A SIGNATURE 17 90 0 001-010 V
5
DE 48, SE 89 = D (Expiration date not equal in track data)
MSR PURCHASE
0100 090000400006 1 N/A SIGNATURE 00 90 0 001-010 V
6
DE 48, SE 89 = E (Invalid service code)
MSR PURCHASE
0100 090000400007 1 N/A SIGNATURE 00 90 0 001-010 V
7

DE 48, SE 89 = F (Invalid field separator in track data)
MSR PURCHASE
0100 090000400008 1 N/A SIGNATURE 00 90 0 001-010 V
8

DE 48, SE 89 = G (Field with invalid length in track data)
MSR PURCHASE
0100 090000400009 1 N/A SIGNATURE 00 90 0 001-010 V
9
DE 48, SE 89 = H (Phone order with track data)
MSR PURCHASE
0100 090000400010 1 N/A SIGNATURE 00 90 0 001-010 V
10
DE 48, SE 89 = I (Cardholder not present)
1-13
1-14

Case DE DE DE 61
MSR PURCHASE
0100 090000400011 1 N/A SIGNATURE 00 90 0 001-010 V
11
DE 48, SE 89 = J (Card not present)
MANUAL ENTRY
12 0100 090000400012 1 N/A PURCHASE SIGNATURE 00 01 0 001-010 00
Containing only the mandatory data elements that constitute a valid message
ELECTRONIC
COMMERCE PURCHASE
13 0100 090000400013 1 N/A NO CVM 00 81 6 001-010 00
MSR CAT LEVEL 1
ATM WITHDRAWAL
14 0100 090000400014 1 N/A ONLINE PIN 01 90 1 V 001-010 00

Containing all mandatory and optional data elements
MSR PURCHASE
0100 090000400015 1 N/A SIGNATURE 00 90 0 001-010 94
15
Execute this same transaction twice to achieve duplicate message wherein issuer expected response code on duplicate
message is 94.
MSR CAT LEVEL 1
ATM WITHDRAWAL
16 0100 090000400017 1 N/A ONLINE PIN 01 90 1 V 001-010 00
DE 48 contains new unannounced subelement

MSR PURCHASE
17 0100 090000400019 1 N/A SIGNATURE 00 90 0 001-010 00
DE 61, SF 7 = 4 (Preauthorized request)

0900006—Issuer Debit MasterCard—MSR Base—System-generated—Reversal Advices

system-generated Reversal Advices, process them, and return correctly formatted Reversal Advice Responses.
The reasons for reversing the original Requests are also addressed.
Table 1.5—Table 0900006—Issuer Debit MasterCard—MSR Base—System-generated—Reversal Advices
Case DE DE DE 61
MSR CAT LEVEL 1
ATM WITHDRAWAL
0420 090000600001 1 N/A ONLINE PIN 01 90 1 001-010 00
1
Acquirer 0400 changed to 0420 and delivered via SAF due to issuer signed out
0420: DE 39 = 17 (Customer cancellation)
MSR CASH
DISBURSEMENT

0420 090000600002 1 N/A SIGNATURE 17 90 0 001-010 00
2
0420: DE 39 = 32 (Partial reversal)

MSR PURCHASE
0420 090000600003 1 N/A SIGNATURE 00 90 0 001-010 00
3
0420: DE 39 = 06 (Error)
MSR CAT LEVEL 1
ATM WITHDRAWAL
0420 090000600004 1 N/A ONLINE PIN 01 90 1 001-010 00
4
0420: DE 39 = 68 (Response received late)
1-15
1-16

Case DE DE DE 61
MSR PURCHASE
0420 090000600005 1 N/A SIGNATURE 00 90 0 001-010 00
5
0420: DE 39 = 00 (Approved)
MANUAL ENTRY
0420 090000600006 1 N/A PURCHASE SIGNATURE 00 01 0 001-010 00
6 Acquirer 0400 changed to 0420 and delivered via SAF due to issuer signed out
0420: DE 39 = 17 (Customer cancellation)
Full reversal containing only the mandatory data elements that constitute a valid message
ELECTRONIC
COMMERCE PURCHASE
0420 090000600007 1 N/A NO CVM 00 81 6 001-010 00
7
Issuer 0110 cannot be delivered to acquirer and MasterCard creates 0420 to be delivered via SAF
0420: DE 39 = 00 (Approval)
MSR CAT LEVEL 1
ATM WITHDRAWAL
0420 090000600008 1 N/A ONLINE PIN 01 90 1 001-010 00
8
Issuer 0110 timed out and MasterCard creates 0420 to be delivered via SAF
0420: DE 39 = 82 (Timeout at issuer)
0900008—Issuer Debit MasterCard—MSR Base—System-generated—Authorization Advices

Authorization Advices for various reasons, process them, and return correctly formatted Authorization Advice
Responses.
Any transactions processed on behalf of the issuer by Stand-In system because of issuer host unavailability or
Limit-1 transaction thresholds, or X-Code processing is logged and available for issuer requested delivery.
This test will allow the issuer to test the initiation mechanism for receiving any such transactions and to then
verify that proper post-processing is performed on the issuer host for relevant impact to available to buy limits
and other internal postings for affected accounts.
Table 1.6—Table 0900008—Issuer Debit MasterCard—MSR Base—System-generated—Authorization Advices
Case DE DE DE 61
MSR CAT LEVEL 1

ATM WITHDRAWAL
1 0120 090000800001 1 N/A ONLINE PIN 01 90 1 001-010 00
DE 60 = 1000000 (Issuer selected option; Accept)

MSR PURCHASE

2 0120 090000800002 1 N/A SIGNATURE 00 90 0 001-010 00
DE 60 = 1010000 (IPS signed out; Accept)

MANUAL ENTRY
DE 60 = 1020000 (IPS timed out; Accept)

MANUAL ENTRY
4 0120 090000800004 1 N/A PURCHASE NO CVM 00 01 0 012 00
DE 39 = 04 (Capture card) and DE 60 = 1030002 (IPS unavailable; Reject: capture card)

MANUAL ENTRY
DE 60 = 1040000 (Transaction processed via Limit-1; Accept)

1-17
1-18

Case DE DE DE 61
MANUAL ENTRY
6
DE 60 = 1080000 (MIP error; Accept)
MANUAL ENTRY
7 0120 090000800007 1 N/A PURCHASE NO CVM 00 01 0 001-010 00
DE 60 = 1090000 (Issuer edit response error; Accept)

MSR CAT LEVEL 1
ATM WITHDRAWAL
8 0120 090000800008 1 N/A ONLINE PIN 01 90 1 001-010 00
DE 60 = 1110000 (Issuer host system error; Accept)

MSR PURCHASE
0120 090000800009 1 N/A SIGNATURE 00 90 0 001-010 00
9
DE 60 = 1120000 (Network not dispatched error; Accept)

MANUAL ENTRY
DE 60 = 1130000 (Issuer Undelivered; Accept)

MANUAL ENTRY
DE 60 = 1140000 (Direct Down Option; Accept)

MSR PURCHASE
12 0120 090000800012 1 N/A SIGNATURE 00 90 0 011 00
DE 39 = 01 (Refer to card issuer) and DE 60 = 1010006 (IPS signed out; Reject: transaction limit test)
MANUAL ENTRY
DE 60 = 1051700 (Transaction processed via X-Code; Accept: via X-Code processing))

Case DE DE DE 61
MSR PURCHASE
0120 090000800015 1 N/A SIGNATURE 00 90 0 013 00
14
DE 39 = 05 (Do not honor) and DE 60 = 1051701 (Transaction processed via X-Code; Reject: via X-Code processing)
MSR CAT LEVEL 1
ATM WITHDRAWAL
15 0120 090000800016 1 N/A ONLINE PIN 01 90 1 021 00
DE 39 = 57 (Transaction not permited to issuer/cardholder) and DE 60 = 1010005 (IPS signed out; Reject: ATM)
MSR CAT LEVEL 1
ATM WITHDRAWAL
16 0120 090000800017 1 N/A ONLINE PIN 01 90 1 035 00
DE 39 = 55 (Invalid PIN) and DE 60 = 1070004 (PIN processing error; Reject: invalid PIN)
MANUAL ENTRY

DE 60 = 1010000 (IPS signed out; Accept) and containing only the mandatory data elements that constitute a valid message
MSR CAT LEVEL 1
ATM WITHDRAWAL

18 0120 090000800019 1 N/A ONLINE PIN 01 90 1 001-010 00
DE 60 = 1010000 (IPS signed out; Accept) and containing all mandatory and optional data elements)
MSR CASH
DISBURSEMENT
19 0120 090000800020 1 N/A SIGNATURE 17 90 0 001-010 00

MSR CASH
DISBURSEMENT
20 0120 090000800020 1 N/A SIGNATURE 17 90 0 001-010 V
Duplicate of previous message
1-19
1-20

Case DE DE DE 61
MSR CAT LEVEL 1
ATM WITHDRAWAL
0120 090000800022 1 N/A ONLINE PIN 01 90 1 001-010 00
21
Containing new, unannounced subelement in DE 48
0900009—Issuer Debit MasterCard—MSR Base—CVC 1 and CVC 2—Authorization Requests

Authorization Requests that contain card validation code (CVC) 1 and 2, process them, and return correctly
formatted Authorization Responses that contain CVC 1 and CVC 2 responses.
Table 1.7—Table 0900009—Issuer Debit MasterCard—MSR Base—CVC 1 and CVC 2—Authorization Requests
Case DE DE DE 61
MSR PURCHASE
1 0100 090000900001 1 1 SIGNATURE 00 90 0 070 V
0110: DE 48, SE 87 = Y (Invalid CVC 1) - Issuer decision to decline or approve

MANUAL ENTRY
MO/TO PURCHASE
2 0100 090000900002 1 N/A NO CVM 00 01 0 071 V

0110: DE 48, SE 87 = N (Invalid CVC 2) - Issuer decision to decline or approve
MSR PURCHASE
3 0100 090000900003 1 1 SIGNATURE 00 90 0 001-010 00
Valid CVC 1

MANUAL ENTRY
MO/TO PURCHASE
4 0100 090000900004 1 1 NO CVM 00 01 0 074 00
0110: DE 48, SE 87 = M (Valid CVC 2)

MANUAL ENTRY
0100 090000900005 1 1 PURCHASE SIGNATURE 00 01 0 074 00
5
0110: DE 48, SE 87 = M (Valid CVC 2)
NOTE: From U.S. region merchants using the MasterCard CVC 2 Validation Program
MSR PURCHASE
0100 090000900006 1 1 SIGNATURE 00 90 0 074 V
6
0110: DE 48, SE 87 = M (Valid CVC 2 - match)
1-21
1-22

0900011—Issuer Debit MasterCard—MSR Base—Dynamic Currency Conversion—Autho-
rization Request
The following test cases will test whether an issuer's Dual Message application can receive dynamic currency
conversion Authorization Requests wherein DE 49 (Currency Code, Transaction) is not equal to the merchant's
local currency code, process them, and return correctly formatted Authorization Request Responses
Table 1.8—Table 0900011—Issuer Debit MasterCard—MSR Base—Dynamic Currency Conversion—Authorization Request
Case DE DE DE 61
MSR PURCHASE
1 0100 090001100001 1 1 SIGNATURE 00 90 0 001-010 00
0100: Merchant country is Belgium and DE 49 transaction currency may be changed to issuer's requirements
MSR PURCHASE
0100 090001100002 1 1 SIGNATURE 00 90 0 001-010 00
2
0100: Merchant country is United States of America and DE 49 transaction currency may be changed to issuer's
requirements
0901701—Issuer Debit MasterCard—MSR Base—Payment Transaction Type—Authorization

Requests
Authorization Requests for payment transactions with the payment transaction type indicator, process them,
and return correctly formatted Authorization Responses.
NOTE
Gaming payment transactions are limited to registered gaming acquirers and to those countries where online
gaming and the crediting of gaming winnings to cards is permitted by law.
The PAN entry modes and payment transaction type indicator codes in the Authorization Requests do not
represent the full range possible.
Table 1.9—Table 0901701—Issuer Debit MasterCard—MSR Base—Payment Transaction Type—Authorization Requests
Case DE DE DE 61

MANUAL ENTRY
PAYMENT
1 0100 090170100001 1 N/A TRANSACTION NO CVM 28 01 0 001-010 00
DE 48, SE 77 = C01 (Person-to-person payment transaction type)

MANUAL ENTRY
PAYMENT
0100 090170100002 1 N/A TRANSACTION NO CVM 28 01 0 001-010 00
2
DE 48, SE 77 = C04 (Gaming re-pay payment transaction type)
Acquirer registered for and issuer country supports payment gaming
MANUAL ENTRY
PAYMENT
DE 48, SE 77 = C02 (Rebate payment transaction type)

MANUAL ENTRY
PAYMENT
1-23
DE 48, SE 77 = C05 (Other payment transaction type)

1-24

Transaction—Authorization and Reversal Requests
The following test cases will test whether an issuer's Dual Message authorization application can receive and
process correctly formatted MasterCard—MoneySend™ payment transactions in Authorization and Reversal
Requests and also return correctly formatted Authorization and Reversal Responses.
Table 1.10—Table 0901702—Issuer Debit MasterCard—MSR Base—MasterCard MoneySend Payment Transaction—Authorization
and Reversal Requests
Case DE DE DE 61
MANUAL ENTRY
PAYMENT
0400 1 1 DE 39 = 17 00
1 DE 4 amount must be less than or equal to USD 2,500 (or local currency equivalent)
DE 14 (Expiration Date) = not present

DE 18 = MCC 6537 (MasterCard MoneySend intercountry) or MCC 6536 (MasterCard MoneySend intracountry)
DE 48, SE 77 = C07 (MasterCard MoneySend)
DE 124 (Member-defined data) must contain sender's name and address
MANUAL ENTRY
PAYMENT
0400 1 1 DE 39 = 17 00
2 DE 4 amount must be less than or equal to USD 2,500 (or local currency equivalent)
DE 14 (Expiration Date) = 4912
DE 124 (Member-defined data) must contain sender's name and address
0902601—Issuer Debit MasterCard—MSR Base—DE 28 Transaction Fee—Authorization

Requests, Reversals and Advices
process Authorization Requests, Reversals and Advices that contain DE 28 (Amount, Transaction Fee) and
return correctly formatted Authorization Responses.
Table 1.11—Table 0902601—Issuer Debit MasterCard—MSR Base—DE 28 Transaction Fee—Authorization Requests, Reversals
and Advices
Case DE DE DE 61
MSR PURCHASE
0100 090260100001 1 1 SIGNATURE 00 90 0 001-010 00
1 0400 1 1 DE 39 = 17 00
Convenience fee in DE 28 and in DE 4 of authorization and reversal message

Full reversal because of customer cancellation

MSR CAT LEVEL 1
ATM WITHDRAWAL
0100 090260100002 1 1 ONLINE PIN 01 90 1 V 001-010 00
2

0400 1 1 DE 39 = 17 00
ATM access fee in DE 28 and in DE 4 of authorization and reversal message

Full reversal because of customer cancellation
MSR CAT LEVEL 1 ATM
BALANCE INQUIRY
0100 090260100003 1 1 ONLINE PIN 30 90 1 V 001-010
3
0400 1 1 DE 39 = null 00
ATM access fee in DE 28 and in DE 4 of authorization request message

MSR PURCHASE
4 0120 090260100004 1 1 SIGNATURE 00 90 0 001-010 00
Convenience fee in DE 28 and in DE 4 of authorization advice message

1-25
1-26

Case DE DE DE 61
MSR CAT LEVEL 1
ATM WITHDRAWAL
5 0120 090260100005 1 1 ONLINE PIN 01 90 1 001-010 00
ATM access fee in DE 28 and in DE 4 of authorization advice message

0903101—Issuer Debit MasterCard—MSR Base—Automated Fuel Dispenser

TransactionAuthorization Requests, Advices and Reversals
process Pre-authorization Requests and related Authorization Advice message for Automated Fuel Dispenser
(AFD) transactions.
First, customers must send the pre-Authorization Request on which the Authorization Advice or Reversal
Request are based.
Second, customers must receive an Authorization Advice for the full amount of the transaction or a Reversal
Request to cancel the transaction.
Table 1.12—Table 0903101—Issuer Debit MasterCard—MSR Base—Automated Fuel Dispenser TransactionAuthorization Requests,
Advices and Reversals
Case DE DE DE 61

MSR CAT LEVEL 2
0100 090310100001 1 1 PURCHASE NO CVM 00 90 2 001-010 00
1
DE 4 = 100 Euro
DE 18 = 5542 (Automated fuel dispenser)

MSR CAT LEVEL 2
0120 090310100001 1 1 PURCHASE NO CVM 00 90 2 001-010 00
0120 AFD completed advice for Case ID 1
2 DE 4 = Final AFD amount
DE 48, SE 15 (Authorization System advice date and time)
DE 60, SF 1 = 191 (APS completed authorization transaction)
MSR CAT LEVEL 2
0100 090310100003 1 1 PURCHASE NO CVM 00 90 2 001-010 00
3
DE 4 = 1 USD
1-27
1-28

Case DE DE DE 61
MSR CAT LEVEL 2
0120 090310100003 1 1 PURCHASE NO CVM 00 90 2 001-010 00
4 DE 4 = Final AFD amount
DE 48, SE 15 (Authorization System advice date and time)
DE 60, SF 1 = 191 (APS completed authorization transaction)
MSR CAT LEVEL 2
0100 090310100005 1 1 PURCHASE NO CVM 00 90 2 001-010 00
0400 1 1 DE 39 = 17 00
5
DE 4 = 1 USD
Full reversal - (customer cancellation)

MSR CAT LEVEL 2

0100 090310100007 1 1 PURCHASE NO CVM 00 90 2 001-010 00
6 Europe-acquired AFD preauthorized request approved and followed by zero amount completion advice.
DE 4 = maximum amount determined by acquirer or merchant.
DE 18 = 5542 (Fuel Dispenser, Automated) and DE 61, SF 7 = 4 (Preauthorized request)
MSR CAT LEVEL 2
0120 090310100007 1 1 PURCHASE NO CVM 00 90 2 001-010 00

Europe-acquired AFD zero amount completion advice preceded by approved preauthorized request.
7
DE 4 = zero final AFD amount
DE 18 = 5542 (Fuel Dispenser, Automated)
DE 48, SE 15 (Authorization System Advice Date and Time)
DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization Transaction)
The test cases in this section are described below.
Programs and Services
1-30

0900101—Issuer Debit MasterCard—MSR Product and Services—Merchant Advice
Code—Authorization Requests
The following test cases will test whether an issuer's Dual Message authorization application can send
Merchant Advice Code values in the Authorization Request Response message.
Table 1.13—Table 0900101—Issuer Debit MasterCard—MSR Product and Services—Merchant Advice Code—Authorization Requests
Case DE DE DE 61
MSR PURCHASE
1 0100 090010100001 1 1 SIGNATURE 00 90 0 001-010 V
0110: DE 48, SE 84 = 01 (New account information available)

MSR PURCHASE
2 0100 090010100002 1 1 SIGNATURE 00 90 0 013 05
0110: DE 48, SE 84 = 03 (Do not try again)

MSR PURCHASE
3 0100 090010100003 1 1 SIGNATURE 00 90 0 019 51
0110: DE 48, SE 84 = 02 (Cannot approve at this time, try again later)

ELECTRONIC
COMMERCE PURCHASE
4 0100 090010100004 1 1 NO CVM 00 81 6 019 51

MANUAL ENTRY
MO/TO PURCHASE
5 0100 090010100005 1 1 NO CVM 00 01 0 019 51

MANUAL ENTRY
MO/TO PURCHASE
6 0100 090010100006 1 1 NO CVM 00 01 0 019 51

0900201—Issuer Debit MasterCard—MSR Product and Services—Recurring

Payments—Authorization Requests
Authorization Request messages for recurring payment transactions, process them, and return correctly
formatted Authorization Response messages
MasterCard requires the first, and all subsequent transactions, of a recurring payment arrangement to be
identified as a recurring payment. By also identifying as a recurring payment in the authorization request for
the first payment, the acquirer alerts the issuer that the cardholder has established an ongoing relationship
with the card acceptor, and that regular transactions from the card acceptor are forthcoming.
Table 1.14—Table 0900201—Issuer Debit MasterCard—MSR Product and Services—Recurring Payments—Authorization Requests
Case DE DE DE 61
MANUAL ENTRY
0100 090020100001 1 1 PURCHASE NO CVM 00 01 0 001-010 00

1
0100: DE 61, SF 4 = 4 Standing order/recurrning transactions
0110: DE 48, SE 84 = 01 (New account information available)
ELECTRONIC
COMMERCE PURCHASE

2 0100 090020100002 1 1 NO CVM 00 81 6 001-010 00
0100: DE 61, SF 4 = 4 Standing order/recurring transactions

MANUAL ENTRY
MO/TO PURCHASE
0100 090020100003 1 1 NO CVM 00 01 0 001-010 V
3
Zero transaction amount recurring payment test transaction.
0100: DE 4 = all zeros; DE 61, SF 4 = 4 (Standing order/recurring transactions); DE 61, SF 7 = 4 (Preauthorized request).
0110: DE 39 recommended approval response code is 85 (Not declined) although 00 (Approved) is also acceptable.
1-31
1-32

Case DE DE DE 61
MANUAL ENTRY
0100 090020100004 1 1 PURCHASE NO CVM 00 01 0 001-010 00
Subsequent European acquired recurring payment arrangement that is qualified for the MasterCard Utility Payment
Program
4
DE 61, SF 4 = 4 Standing order/recurring transactions
DE 48, SE 32 contains MasterCard Assigned ID for MasterCard Utility Payment Program
DE 48, SE 42 = 213 (Merchant does support UCAF and provided static AAV UCAF data)
DE 48, SE 43 = 5MUPPPROGRAM9999999999999999 which is static AAV for MasterCard Utility Payment Program
0900301—Issuer Debit MasterCard—MSR Product and Services—Risk Finder—Authorization

Requests and Advices
The RiskFinder™ scoring system may optionally receive authorization transaction information through
Authorization Advice/0120 messages from issuers. Issuers must always include U.S. Dollar (USD) amount in
customer-initiated Authorization Advice/0120 RiskFinder scoring requests.
Authorization Advices for RiskFinder scoring and process the RiskFinder acknowledgment responses.
First, customers must process the Authorization Requests on which the Authorization Advice for RiskFinder
scoring are based.
Second, customers must send Authorization Advices for RiskFinder scoring based on these Authorization
Requests.
Finally, customers must process the RiskFinder Acknowledgements based on the Administrative Advices sent
for RiskFinder scoring that have exceeded the issuer-defined RiskFinder threshold.

Table 1.15—Table 0900301—Issuer Debit MasterCard—MSR Product and Services—Risk Finder—Authorization Requests and Advices
Case DE DE DE 61
MSR PURCHASE

0100 090030100001 1 1 SIGNATURE 00 90 0 001-010 00
1
RiskFinder score to be within threshold.
DE 4 = 20.00; DE 18 = 5311; DE 48 TCC = R (Retail)
MSR PURCHASE
0120 090030100001 1 1 SIGNATURE 00 90 0 001-010 00
2
Member-generated RiskFinder scoring advice for test case ID 1.
DE 60 = 6500030 (Member-generated RiskFinder scoring request)
1-33
1-34

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
0100 090030100002 1 1 NO CVM 00 01 0 001-010 00
3
RiskFinder score to exceed threshold.
DE 4 = USD 10,000.00; DE 18 = 5094; DE 48 TCC = T; DE 61, SF 4 = 3 (Phone/ARU Order).
MANUAL ENTRY
MO/TO PURCHASE
0120 090030100002 1 1 NO CVM 00 01 0 001-010 00
4
Member-generated RiskFinder scoring advice for test case ID 3.
RISKFINDER SCORING
0620 090030100002 1 1 ACKNOWLEDGEMENT 001-010
5 RiskFinder scoring acknowledgement for business transaction in test case ID 3.


DE 62 = RISK; DE 120 contain RiskFinder scoring information
MANUAL ENTRY
MO/TO PURCHASE
0100 090030100003 1 1 NO CVM 00 01 0 001-010 00
6
RiskFinder score to exceed threshold.
RISKFINDER SCORING
7 RiskFinder scoring acknowledgement for business transaction in test case ID 6.
DE 60 = 6500029 (MIP-generated RiskFinder scoring request)
0900302—Issuer Debit MasterCard—MSR Product and Services—EMS Near Real

Time—Authorization Requests and Advices
The EMS Near Real Time scoring system may optionally receive authorization transaction information through
Authorization Advice/0120 messages.
Authorization Advices or choose MasterCard to send those advices for EMS Near Real Time scoring and
process the EMS Near Real Time acknowledgment responses.
First, customers must process the Authorization Requests on which the Authorization Advice for EMS Near
Real Time scoring are based.
Second, customers or MasterCard must send Authorization Advices for EMS Near Real Time scoring based on
these Authorization Requests.
Finally, customers must process the RiskFinder Acknowledgements based on the Administrative Advices sent
for EMS Near Real Time scoring that have exceeded the issuer-defined EMS Near Real Time threshold.

Table 1.16—Table 0900302—Issuer Debit MasterCard—MSR Product and Services—EMS Near Real Time—Authorization Requests
and Advices
Case DE DE DE 61

MSR PURCHASE
0100 090030200001 1 1 SIGNATURE 00 90 0 001-010 00
1
EMS Near Real Time score to be within threshold.
DE 4 = 20.00; DE 18 = 5311; DE 48 TCC = R; DE 61, SF 4 = 0 (Cardholder present); DE 61, SF 5 = 0 (Card present)
MSR PURCHASE
0120 090030200002 1 1 SIGNATURE 00 90 0 001-010 00
2 Member-generated EMS Near Real Time scoring advice for test case ID 1.
DE 4; DE 5; or DE 6
DE 60 = 6500030 (Member-generated EMS Near Real Time scoring request)
1-35
1-36

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
0100 090030200003 1 1 NO CVM 00 01 0 001-010 00
3
EMS Near Real Time score to exceed threshold.
MANUAL ENTRY
MO/TO PURCHASE
0120 090030200004 1 1 NO CVM 00 01 0 001-010 00
4
Member-generated EMS Near Real Time scoring advice for test case ID 2.
DE 4; DE 5; or DE 6
DE 60 = 6500030 (Member-generated EMS Near Real Time scoring request)
RISKFINDER SCORING
5 EMS Near Real Time scoring acknowledgement for business transaction in test case ID 3.
DE 62 = RISK; DE 120 contain EMS Near Real Time scoring information
MANUAL ENTRY
MO/TO PURCHASE
0100 090030200006 1 1 NO CVM 00 01 0 001-010 00
6
EMS Near Real Time score to exceed threshold.
RISKFINDER SCORING
7 EMS Near Real Time scoring acknowledgement for business transaction in test case ID 3.
DE 60 = 6500029 (MIP-generated Fraud score request)
0900401—Issuer Debit MasterCard—MSR Product and Services—AVS with

Authorization—Authorization Requests
The following test cases will test whether an issuer's Dual Message authorization application can receive AVS
with Authorization Requests transactions, process them, and return the appropriate address verification
response in correctly formatted Authorization Responses.
The goal of the address verification service (AVS) with authorization test is to verify that the issuer can
recognize AVS data when supplied by the acquirer for transactions such as mail order, telephone order, or
electronic commerce. The issuer should process the AVS data as provided and determine the appropriate
authorization or address verification response.
NOTE
The support of address Verification Service is mandated for U.S. Issuers.
If an issuer intends to support the Address Verification Service, the issuer must have successfully completed
the connectivity test cases applicable to Dual Message authorization and which involve Sign-in Requests that
contain the Service Indicator (DE 94).

For the purposes of the examples below, the cardholder is providing the address 1520 Main St. Suite 3, St.
Louis, MO 63146-4236.
Table 1.17—Table 0900401—Issuer Debit MasterCard—MSR Product and Services—AVS with Authorization—Authorization Requests

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
1 0100 090040100001 1 1 NO CVM 00 01 0 050 V
0110: DE 48, SE 83 = A (Address matches, postal code does not)

ELECTRONIC
COMMERCE PURCHASE
2 0100 090040100002 1 1 NO CVM 00 81 6 051 V
0110: DE 48, SE 83 = N (Neither address nor postal code matches)

1-37
1-38

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
3 0100 090040100003 1 1 NO CVM 00 01 0 052 V
0110: DE 48, SE 83 = R (Retry, system unable to process)

MANUAL ENTRY
MO/TO PURCHASE
4 0100 090040100004 1 1 NO CVM 00 01 0 053 V
0110: DE 48, SE 83 = U (No data from issuer/Authorization System)

ELECTRONIC
COMMERCE PURCHASE
5 0100 090040100005 1 1 NO CVM 00 81 6 054 V
0110: DE 48, SE 83 = W (For U.S. addresses, nine-digit postal code matches, address does not; for address outside the
U.S., postal code matches, address does not)
MANUAL ENTRY
MO/TO PURCHASE
6 0100 090040100006 1 1 NO CVM 00 01 0 055 00
0110: DE 48, SE 83 = X (For U.S. addresses, nine-digit postal code and address matches; for addresses outside the U.S.,
postal code and address match)
ELECTRONIC
COMMERCE PURCHASE
7 0100 090040100007 1 1 NO CVM 00 81 6 056 00
0110: DE 48, SE 83 = Y (For U.S. addresses, five-digit postal code and address matches)
MANUAL ENTRY
MO/TO PURCHASE
8 0100 090040100008 1 1 NO CVM 00 01 0 057 V
0110: DE 48, SE 83 = Z (For U.S. addresses, five-digit postal code matches, address does not)
0900501—Issuer Debit MasterCard—MSR Product and Services—Balance

Inquiry—Authorization Requests
Balance Inquiry Authorization Requests, process them, and return correctly formatted Authorization Responses.
Table 1.18—Table 0900501—Issuer Debit MasterCard—MSR Product and Services—Balance Inquiry—Authorization Requests
Case DE DE DE 61
MSR CAT LEVEL 1 ATM
BALANCE INQUIRY
1 0100 090050100001 1 1 ONLINE PIN 30 90 1 V 001-010 V
Issuer may respond with DE 39 = 85 (Not declined) or 00 (Approved) and provide balance in DE 54
MSR POS BALANCE
2 0100 090050100002 1 1 INQUIRY SIGNATURE 30 90 0 001-010 V

Issuer may respond with DE 39 = 85 (Not declined) or 00 ( Approved) and provide balance in DE 54
MSR POS BALANCE
3 0100 090050100003 1 N/A INQUIRY ONLINE PIN 30 90 0 V 001-010 V

ELECTRONIC
COMMERCE POS
BALANCE INQUIRY
4 0100 090050100004 1 N/A NO CVM 30 81 6 001-010 V
SMS balance inquiry - 0110: DE 54 Account balance response

1-39
1-40

0900601—Issuer Debit MasterCard—MSR Product and Services—MasterCard SecureCode AAV
Verification Service—Authorization Requests
Authorization Requests that contain MasterCard—SecureCode™ Accountholder Authentication Value (AAV)
results when the issuer is participating in MasterCard SecureCode AAV Verification Service, process them, and
Table 1.19—Table 0900601—Issuer Debit MasterCard—MSR Product and Services—MasterCard SecureCode AAV Verification
Service—Authorization Requests
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0100 090060100001 1 N/A NO CVM 00 81 6 001-010 00
1
DE 48, SE 71 = 05Vb (Valid SecureCode AAV results)
DE 48, SE 43, POSITION 1 = j indicates SecureCode AAV

DE 48, SE 42, SF 1, POSITION 3 = 2 UCAF supported and provided

ELECTRONIC
COMMERCE PURCHASE
0100 090060100002 1 N/A NO CVM 00 81 6 001-010 V
2
DE 48, SE 71 = 05Ib (Invalid SecureCode AAV results)
ELECTRONIC
COMMERCE PURCHASE
0100 090060100003 1 N/A NO CVM 00 81 6 001-010 V
3
DE 48, SE 71 = 05Ub (SecureCode AAV unable to process)
0900602—Issuer Debit MasterCard—MSR Product and Services—UCAF—Authorization

Requests
Authorization Requests that contain cardholder authentication information, process them, and return correctly
Table 1.20—Table 0900602—Issuer Debit MasterCard—MSR Product and Services—UCAF—Authorization Requests
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
1 0100 090060200001 1 N/A NO CVM 00 81 6 001-010 00
DE 48, SE 42 = 210 (Merchant does not support UCAF)

ELECTRONIC
COMMERCE PURCHASE

2 0100 090060200002 1 N/A NO CVM 00 81 6 001-010 00
DE 48, SE 42 = 212 (Merchant does support UCAF and provided UCAF data)
ELECTRONIC
COMMERCE PURCHASE

3 0100 090060200003 1 N/A NO CVM 00 81 6 001-010 00
DE 48, SE 42 = 211 (Merchant does support UCAF and does not provide UCAF data)
ELECTRONIC
COMMERCE PURCHASE
4 0100 090060200004 1 N/A NO CVM 00 81 6 001-010 00
DE 48, SE 42 = 212 (Merchant does support UCAF and provided UCAF data) for a recurring e-commerce transaction
MANUAL ENTRY
MO/TO PURCHASE
5 0100 090060200005 1 N/A NO CVM 00 01 0 001-010 00
DE 48, SE 42 = 212 (Merchant does support UCAF and provided UCAF data) for a phone order transaction
1-41
1-42

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
6 0100 090060200006 1 N/A NO CVM 00 01 0 001-010 00
DE 48, SE 42 = 212 (Merchant does support UCAF and provided UCAF data) for a recurring payment phone order
transaction

Registration Program—Authorization Requests
The following test cases are designed to test whether an issuer is able to receive and process MasterCard—and
Maestro—Advance Registration Program (MARP) e-commerce Authorization Requests and send the resulting
Authorization Responses.
Merchants participating in MARP must process the first e-commerce transaction on an account number via
MasterCard—SecureCode™ to obtain a dynamic AAV whereas subsequent transactions contain the static AAV.
Table 1.21—Table 0900606—Issuer Debit MasterCard—MSR Product and Services—MasterCard Advance Registration
Program—Authorization Requests
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0100 090060600001 1 N/A NO CVM 00 81 6 001-010 00
1

DE 48, SE 43 contains dynamic AAV for MasterCard SecureCode
ELECTRONIC
COMMERCE PURCHASE

0100 090060600002 1 N/A NO CVM 00 81 6 001-010 00
2
DE 48, SE 32 contains MasterCard Assigned ID for MasterCard Advance Registration Program
DE 48, SE 43 contains static AAV for MasterCard Advance Registration Program as indicated by position 1 value 4.
ELECTRONIC
COMMERCE PURCHASE
0100 090060600003 1 N/A NO CVM 00 81 6 001-010 00
3 DE 48, SE 32 contains MasterCard Assigned ID for MasterCard and Maestro Advance Registration Program
DE 48, SE 43 contains static AAV for MasterCard and Maestro Advance Registration Program as indicated by position 1
value 5.
1-43
1-44

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0100 090060600004 1 N/A NO CVM 00 81 6 001-010 00
4
DE 48, SE 32 contains MasterCard Assigned ID for MasterCard Utility Payment Program
DE 48, SE 42 = 213 (Merchant does support UCAF and UCAF data)
DE 48, SE 43 = 5MUPPPROGRAM9999999999999999 which is static AAV for MasterCard Utility Payment Program
0900701—Issuer Debit MasterCard—MSR Product and Services—Parcelas Payments

(Brazil)—Authorization Requests
Authorization Requests for installment transactions within Brazil, which include the Parcelas promotion
code and the installment payment information, process them, and return correctly formatted Authorization
Responses.
Table 1.22—Table 0900701—Issuer Debit MasterCard—MSR Product and Services—Parcelas Payments (Brazil)—Authorization
Requests
Case DE DE DE 61
MSR PURCHASE
0100 090070100001 1 1 SIGNATURE 00 90 0 001-010 00
1
0100: DE 112, SE 001 = 2006 (Issuer financed transaction with interests and paid in 6 Parcelas)
0110: DE 112, SE 001 echoed and SE 002 contains installment payment response data.

MSR PURCHASE
0100 090070100002 1 1 SIGNATURE 00 90 0 001-010 00
2
0100: DE 112, SE 001 = 2102 (Merchant financed transaction without interests and paid in 2 Parcelas)

MSR PURCHASE
0100 090070100003 1 N/A SIGNATURE 00 90 0 013 05
3
0100: DE 112, SE 001 = 2003 (Issuer financed transaction with interests and paid in 3 Parcelas)
MSR PURCHASE
0100 090070100004 1 N/A SIGNATURE 00 90 0 013 05
4
0100: DE 112, SE 001 = 2103 (Merchant financed transaction without interests and paid in 3 Parcelas)
1-45
1-46

(Argentina)—Authorization Requests
Authorization Requests for installment transactions in Argentina, which include the Cuotas promotion code and
the installment payment information, process them, and return correctly formatted Authorization Responses.
Customers must return the Authorization Request Response/0110 message with the same data that was
received in the Authorization Request/0100 message in DE 48, subelement 95 (MasterCard Promotion Code),
and DE 112, subelement 1 (Installment Payment Data), as well as include issuer response data in DE 112,
subelement 3 (Installment Payment Response Data) if consumer financing.
Table 1.23—Table 0900702—Issuer Debit MasterCard—MSR Product and Services—Cuotas Payments (Argentina)—Authorization
Requests
Case DE DE DE 61
MANUAL ENTRY
0100 090070200001 1 N/A PURCHASE NO CVM 00 01 0 001-010 00

1 0100: DE 48, SE 95 = ARGCTA

0100: DE 112, SE 001 = 2024 (Issuer financed transaction and paid 24 Cuotas)
0110: DE 112, SE 001 echoed
MANUAL ENTRY
2 0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2124 (Merchant financed transaction and paid in 24 Cuotas)
0110: DE 112, SE 001 echoed
MANUAL ENTRY
3 0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2224 (Acquirer financed transaction and paid in 24 Cuotas)
0110: DE 112, SE 001 echoed
Case DE DE DE 61
MANUAL ENTRY
4 0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2424 (Consumer financed purchase transaction and paid in 24 Cuotas)
MANUAL ENTRY
CASH DISBURSEMENT
0100 090070200005 1 N/A SIGNATURE 17 01 0 001-010 00
5
0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2524 (Consumer financed cash advance transaction and paid in 24 Cuotas)

1-47
1-48

(Uruguay)—Authorization Requests
Authorization Requests for installment transactions in Uruguay which include the Cuotas promotion code and
the installment payment information, process them, and return correctly formatted Authorization Responses.
and DE 112, subelement 1 (Installment Payment Data), as well as include issuer response data in DE 112,
subelement 3 (Installment Payment Response Data) if consumer financing.
Table 1.24—Table 0900703—Issuer Debit MasterCard—MSR Product and Services—Cuotas Payments (Uruguay)—Authorization
Requests
Case DE DE DE 61
MANUAL ENTRY

1 0100: DE 48, SE 95 = ARGCTA

0100: DE 112, SE 001 = 2024 (Issuer financed transaction and paid in 24 Cuotas)
0110: DE 112, SE 001 echoed
MANUAL ENTRY
2 0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2124 (Merchant financed transaction and paid in 24 Cuotas)
0110: DE 112, SE 001 echoed
MANUAL ENTRY
3 0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2224 (Acquirer financed transaction and paid in 24 Cuotas)
0110: DE 112, SE 001 echoed
Case DE DE DE 61
MANUAL ENTRY
4 0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2424 (Consumer financed purchase transaction and paid in 24 Cuotas)
MANUAL ENTRY CASH
DISBURSEMENT NO
0100 090070300005 1 N/A CVM 17 01 0 001-010 00
5
0100: DE 48, SE 95 = ARGCTA
0100: DE 112, SE 001 = 2524 (Consumer financed cash advance transaction and paid in 24 Cuotas)

1-49
1-50

(Peru)—Authorization Requests
Authorization Requests for installment transactions in Peru, which include the Cuotas promotion code and the
installment payment information, process them, and return correctly formatted Authorization Responses.
and DE 112, subelement 007 as well as include issuer response data in DE 112, subelement 008.
Issuers that choose to test receiving various values in DE 112 for number of installments, grace periods, and
transaction currency code may ask their Customer Implementation Specialist to create a customized 0100
Request for the desired values.
Table 1.25—Table 0900704—Issuer Debit MasterCard—MSR Product and Services—Cuotas Payments (Peru)—Authorization Requests
Case DE DE DE 61
MANUAL ENTRY
0100: DE 48, SE 95 = PERCTA

1 0100: DE 112, SE 007 = 20121604 (20 = Issuer financed, 12 = number of installments, 1 = months grace, 604 = Peru
nuevo sol transaction currency)
0110: DE 112, SE 007 = 20121604 (same as 0100 data)
0110: DE 112, SE 008 data containing installment amount, due date of first installment, financing currency code, and
payment plan
0900706—Issuer Debit MasterCard—MSR Product and Services—Citizen ID—Authorization

Requests
Authorization Requests that contain Venezuelan citizen ID data, process them, and return correctly formatted
NOTE
The citizen ID service is only available for Venezuelan issuers.
Table 1.26—Table 0900706—Issuer Debit MasterCard—MSR Product and Services—Citizen ID—Authorization Requests
Case DE DE DE 61
MANUAL ENTRY
1 0100 090070600001 1 1 PURCHASE NO CVM 00 01 0 001-010 00
Transaction with Citizen ID information

MSR PURCHASE
2 0100 090070600002 1 1 SIGNATURE 00 90 0 001-010 00
Transaction with Citizen ID information

1-51
1-52

0900800—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass (All
Business Transactions)—Authorization Requests
The following test cases will test whether an issuer Dual Message authorization application can receive
MasterCard—PayPass™ magnetic stripe Authorization Requests for various business transactions, process
them and return correctly formatted Authorization Responses.
Table 1.27—Table 0900800—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass (All Business
Transactions)—Authorization Requests
Case DE DE DE 61
MSR CONTACTLESS
0100 090080000001 1 0 PURCHASE SIGNATURE 00 91 0 301-305 00
1
PayPass business transaction format and content.
DE 61, SF 11 (POS Card Data Terminal Input Capability Indicator) = 4 (Contactless Magnetic Stripe [Proximity Chip])
MSR CONTACTLESS
0100 090080000002 1 0 PURCHASE ONLINE PIN 00 91 0 V 301-305 00

2
MSR CONTACTLESS
CAT 1 PURCHASE
0100 090080000003 1 0 ONLINE PIN 00 91 1 V 301-305 00
3
MSR CONTACTLESS CAT
0100 090080000004 1 0 2 PURCHASE NO CVM 00 91 2 301-305 00
4
DE 61, SF 11 (POS Card Data Terminal Input Capability Indicator) = 4 (Contactless Magnetic Stripe[Proximity Chip])
Case DE DE DE 61
MSR CONTACTLESS
CASH ADVANCE
0100 090080000005 1 0 SIGNATURE 17 91 0 301-305 00
5
MSR CONTACTLESS
CASH ADVANCE
0100 090080000006 1 0 ONLINE PIN 17 91 0 V 301-305 00
6
MSR CONTACTLESS
POS BALANCE INQUIRY
0100 090080000007 1 0 SIGNATURE 30 91 0 301-305 00

7
MSR CONTACTLESS

POS BALANCE INQUIRY
0100 090080000008 1 0 ONLINE PIN 30 91 0 V 301-305 00
8
MSR CONTACTLESS
ATM WITHDRAWAL
0100 090080000009 1 0 ONLINE PIN 01 91 0 V 301-305 00
9
1-53
1-54

Case DE DE DE 61
MSR CONTACTLESS ATM
BALANCE INQUIRY
0100 090080000010 1 0 ONLINE PIN 30 91 0 V 301-305 00
10
MSR CONTACTLESS CAT
0100 090080000011 1 N/A 4 PURCHASE NO CVM 00 91 4 301-305 00
11
DE 61, SF 11 (POS Card Data Terminal Input Capability Indicator) = 4 (Contactless Magnetic Stripe[Proximity Chip])
MSR CONTACTLESS
PURCHASE WITH CASH
0100 090080000012 1 N/A BACK SIGNATURE 09 91 0 301-305 00
12

Only supported in Europe region.
MSR CONTACTLESS
PURCHASE WITH CASH
0100 090080000013 1 N/A BACK ONLINE PIN 09 91 0 V 301-305 00
13

(Technical Conditions)—Authorization Requests
MasterCard® PayPass™ magnetic stripe Authorization Requests for various technical conditions, process them,
Table 1.28—Table 0900801—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass (Technical
Conditions)—Authorization Requests
Case DE DE DE 61
MSR CONTACTLESS
1
Business transaction format and content, including correct content in DE 22, DE 61 and track 1 data.
MSR CONTACTLESS

0100 090080100002 1 N/A PURCHASE NO CVM 00 00 0 301-305 V
2 Business transaction format and content, including correct content in DE 61 and track data and bad value in DE 22.
Track 1 or track 2 may be used.

MSR CONTACTLESS
3
Business transaction format and content, including correct content in DE 22 and track data and SF 11 bad value (0)
in DE 61. Track 1 or track 2 may be used.
MSR PURCHASE NO
0100 090080100004 1 N/A CVM 00 90 0 301-305 00
4
Business transaction format and content, including correct content DE 22, DE 61 and track 1 data.
DE 61, SF 11 (POS Card Data Terminal Input Capability Indicator) = 4 (Contactless Magnetic Stripe [Proximity Chip]).
1-55
1-56

Case DE DE DE 61
MANUAL ENTRY
5 Business transaction format and content including correct content in DE 22 and DE 61.
PayPass card data is manually entered at a contactless magnetic stripe terminal.
MSR CONTACTLESS
6 Business purchase format and content with inconsistent contents in DE 22, SF 1 value 07 (PAN auto entry via contactless
M/chip) and DE 61, SF 11 and correct track data. Track 1 or track 2 may be used.
MSR CONTACTLESS
7 Business purchase format and content. Static or dynamic CVC 3 may be used.
PayPass magnetic stripe card at PayPass M/Chip terminal with correct contents in DE 22, DE 61 and track data.
DE 61, SF 11 (POS Card Data Terminal Input Capability Indicator) = 3 (Contactless M/Chip (Proximity Chip)] Track 1
or track 2 may be used.
MSR CONTACTLESS
0100 090080100008 1 N/A PURCHASE NO CVM 00 91 0 307 V
8 Business purchase format and content with correct content in DE 22, DE 61 and track data.
ATC out of range for dynamic CVC 3 checking. Track 1 or track 2 may be used.
MSR CONTACTLESS
9 Business purchase format and content with correct content in DE 22, DE 61 and track data.
Bad dynamic CVC 3 value. Track 1 or track 2 may be used.
Case DE DE DE 61
MSR CONTACTLESS
CAT LEVEL 1 ATM
WITHDRAWAL ONLINE
0100 090080100010 1 N/A PIN 01 91 1 V 301-305 00
10
Business transaction format and content, including correct content in DE 22, DE 61 and track data. Track 1 or track 2
may be used.
MSR CONTACTLESS
11 Business transaction format and content including correct content DE 22, DE 61 and track 2 data.
PayPass card or device tapped at a contactless M/Chip terminal.
DE 61, SF 11 (POS Card Data Terminal Input Capability Indicator) = 4 (Contactless Magnetic Stripe ]Proximity Chip])

MSR CONTACTLESS
12 Dynamic CVC 3 users only. Business purchase format and content with correct content in DE 22, DE 61 and track data.
Invalid unpredictable number length. Track 1 or track 2 may be used.

MSR CONTACTLESS
13 This case will test whether an issuer Dual Message online application is able to receive an application transaction counter
(ATC) update indicator (value 6) in DE 61, SF 7 (POS Transaction Status) of Authorization Request and process the
resulting Authorization Response that contain DE 39 = 85 or 00 for approval or 05 for decline.
1-57
1-58

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090080100021 1 N/A OR NO CVM 00 91 0 301-305 00
Large ATC Gap test scenario
14 First 0100: Track discretionary data ATC (Application Transaction Counter) set to '10'.
Second 0100 on same card: Track discretionary data ATC set to '2E'.
NOTE
Both transactions should be approved. Issuers should raise a post-event alert and conduct further investigation.
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090080100022 1 N/A OR NO CVM 00 91 0 301-305 00
Out of Sequence ATC test scenario
15 First 0100: Track discretionary data ATC set to '20'.

Second 0100 on same card: Track discretionary data ATC set to '1B'.
NOTE
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090080100023 1 N/A OR NO CVM 00 91 0 301-305 V
Duplicate ATCs (Reply and same CVC 3 cryptogram) test scenario
First 0100: Track discretionary data ATC set to '30'.
16
Second 0100 on same card: Track discretionary data ATC set to '31'.
Third 0100 on same card: Track discretionary data ATC set to '30' and same ATC cryptogram as first 0100.
NOTE
Transactions 1 and 2 should be approved and transaction 3 declined. These tests indicate ATC replay fraud.
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090080100024 1 N/A OR NO CVM 00 91 0 301-305 V
Duplicate ATCs (Reply and different CVC 3 cryptogram) test scenario
17 Second 0100 on same card: Track discretionary data ATC set to '31'.
Third 0100 on same card: Track discretionary data ATC set to '30' and different ATC cryptogram as first 0100.
NOTE
Transactions 1 and 2 should be approved and transaction 3 declined. These tests indicate secret keys have
been compromised.
MSR CONTACTLESS ATM
BALANCE INQUIRY
0100 090080100025 1 N/A ONLINE PIN 30 91 1 V 301-305 00

18
Duplicate ATCs (ATM multiple transactions in single cardholder session) test scenario
0110: DE 54 contains balance information.

MSR CONTACTLESS
ATM WITHDRAWAL
0100 090080100026 1 N/A ONLINE PIN 01 91 1 V 301-305 00
19 Duplicate ATCs (ATM multiple transactions in single cardholder session) test scenario
Second 0100 on same card as preceding 0100: Track discretionary data ATC set to '40' and same ATC cryptogram.
NOTE
Both transactions should be approved for these multiple transactions reusing chip data.
1-59
1-60

Enablement Service—Authorization Requests and Advices
contactless magnetic stripe Authorization Requests or Advices for transactions when the MasterCard Digital
Enablement Service was performed, process them, and send correctly formatted Authorization Responses.
Table 1.29—Table 0900841—Issuer Debit MasterCard—MSR Product and Services—MasterCard Digital Enablement
Service—Authorization Requests and Advices
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090084100001 1 N/A OR NO CVM 00 91 0 311 00
MasterCard Digital Enablement Service successfully performed PAN mapping and dynamic CVC 3 validation.
1
DE 22, SF 1 = 82 (PAN Auto Entry via Server) after conversion from 91 (PAN auto-entry via contactless magnetic stripe).
DE 35 track data was removed.

DE 48, SE 33, SF 1 = C, SF 2 contains Device PAN, and SF 3 contains Device PAN expiry date.
DE 48, SE 71 = 50Cb52Vb for the on-behalf service results.
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100002 1 N/A OR NO CVM 00 82 0 311 00
MasterCard Digital Enablement Service successfully performed PAN mapping and dynamic CVC 3 validation; and then
Stand-in approved due to issuer signed out.
2
DE 22, SF 1 = 82 (PAN Auto Entry via Server).
DE 39 = 00 (Approved).
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100003 1 N/A OR NO CVM 00 91 0 315 00
3 MasterCard Digital Enablement Service unsuccessfully performed PAN mapping.
DE 39 = 14 (Invalid card number).
DE 48, SE 71 = 50Ibfor the on-behalf service results.
DE 60 = 1410201 (MasterCard Digital Enablement Service Advice to Issuer; Reject)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100004 1 N/A OR NO CVM 00 91 0 313 00
4 MasterCard Digital Enablement Service unable to perform PAN mapping.

DE 39 = 96 (System error).
DE 48, SE 71 = 50Ubfor the on-behalf service results.

MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100005 1 N/A OR NO CVM 00 91 0 317 00

MasterCard Digital Enablement Service successfully performed PAN mapping but failed dynamic CVC 3 validation.
5
DE 39 = 05 (Do not honor).
DE 48, SE 71 = 50Cb52Ab for the on-behalf service results.
DE 60 = 1410043 (MasterCard Digital Enablement Service; Reject: CVC 3 ATC outside allowed range).
1-61
1-62

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100006 1 N/A OR NO CVM 00 91 0 318 00
6
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100007 1 N/A OR NO CVM 00 91 0 319 00
7
DE 48, SE 71 = 50Cb52Eb for the on-behalf service results.

DE 60 = 1410046 (MasterCard Digital Enablement Service; Reject: CVC 3 ATC replay).
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100008 1 N/A OR NO CVM 00 91 0 312 00
8 DE 39 = 05 (Do not honor).
DE 48, SE 71 = 50Cb52Ib for the on-behalf service results.
DE 48, SE 87 = Y (Invalid).
DE 60 = 1410044 (MasterCard Digital Enablement Service; Reject: CVC 3 invalid).
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100009 1 N/A OR NO CVM 00 91 0 316 00
DE 48, SE 71 = 50Cb52Nb for the on-behalf service results.
DE 48, SE 87 = E (Length of unpredictable number was not a valid length).
DE 60 = 1410045 (MasterCard Digital Enablement Service; Reject: CVC 3 Unpredictable number mismatch).
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090084100010 1 N/A OR NO CVM 00 91 0 313 00
MasterCard Digital Enablement Service successfully performed PAN mapping but unable to perform dynanic CVC

3 validation.
10
DE 48, SE 71 = 50Cb52Ub for the on-behalf service results.

DE 48, SE 87 = P (Unable to process).
DE 60 = 1410042 (MasterCard Digital Enablement Service; Reject: CVC 3 unable to process).
1-63
1-64

Transactions—Authorization Requests
The following test cases will test whether an issuer Dual Message application is able to receive and process
Authorization Requests containing DE 48, subelement 64 (Transit Program) with applicable values in subfield
1 (Transit Transaction Type Indicator) and subfield 2 (Transportation Mode Indicator); and send properly
Table 1.30—Table 0900851—Issuer Debit MasterCard—MSR Product and Services—Transit Program Transactions—Authorization
Requests
Case DE DE DE 61
MSR CONTACTLESS CAT
LEVEL 2 PURCHASE
0100 090085100001 1 N/A NO CVM 00 91 2 301-305 00
1
Pre-funded transit transaction type indicator with applicable transportation mode indicator
0100: DE 48, SE 64, SF 1 = 01 (Prefunded); SF 2 contains the applicable Transportation Mode Indicator.
MSR CONTACTLESS CAT

LEVEL 2 PURCHASE
0100 090085100002 1 N/A NO CVM 00 91 2 301-305 00
2
Real-time authorized transit transaction type indicator with applicable transportation mode indicator
0100: DE 48, SE 64, SF 1 = 02 (Real-time Authorized); SF 2 contains the applicable Transportation Mode Indicator.
MSR CONTACTLESS
Post-authorized aggregated transit transaction type indicator with applicable transportation mode indicator
3 0100: DE 4 = one major unit of currency.
0100: DE 48, SE 64, SF 1 = 03 (Post-Authorized Aggregated); SF 2 contains the applicable Transportation Mode Indicator.
0110: DE 48, SE 33 (PAN Mapping Information) provided by issuer when required containing funding account number
information.
Case DE DE DE 61
MSR PURCHASE
0100 090085100004 1 N/A SIGNATURE 00 90 0 301-305 00
4
MSR PURCHASE
0100 090085100005 1 N/A SIGNATURE 00 90 0 301-305 00
5
Other transit transaction type indicator with applicable transportation mode indicator
0100: DE 48, SE 64, SF 1 = 05 (Other); SF 2 contains the applicable Transportation Mode Indicator.
MSR PURCHASE
0100 090085100006 1 N/A SIGNATURE 00 90 0 301-305 00
Debt recovery transit transaction type indicator for debt recovery by cardholder at ticket office and with applicable
6 transportation mode indicator.

0100: DE 48, SE 64, SF 1 = 07 (Debt Recovery); SF 2 contains the applicable Transportation Mode Indicator.
information.
ELECTRONIC

COMMERCE PURCHASE
0100 090085100007 1 N/A NO CVM 00 81 0 301-305 00
7 Debt recovery transit transaction type indicator for cardholder via website and with applicable transportation mode
indicator.
information.
MANUAL ENTRY
Debt recovery transit transaction type indicator for automatic debt recovery and with applicable transportation mode
8 indicator.
1-65
information.
1-66

MasterCard PayPass Mapping Service
The following test cases will test whether a customer’s issuer Dual Message authorization application can send
correctly formatted Authorization Requests and process the resulting Authorization Responses that contain
MasterCard® PayPass™ Mapping Service-related information.
PayPass Mapping Service translates the PayPass PAN present in the PayPass M/Chip™ into the cardholder’s
PAN that is present in the magnetic stripe.
MasterCard performs either Static or Dynamic CVC 3 pre-validation on all transactions that undergo PayPass
Mapping Service.
Also, the PayPass Mapping Service has two participation options: Processing Only (where the issuer issues its
own PayPass devices with a separate PayPass account number that MasterCard helps process), or Processing
and Issuance of PayPass devices (where MasterCard helps with both the issuance of the device and the
processing of the separate PayPass account number).
0900901—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass Mapping Service

with Dynamic CVC 3 Pre Validation—Authorization Requests
All Issuers enrolling in the MasterCard—PayPass™ Mapping Service specify if they want the Dual Message
System to decline transactions when CVC 3 Validation fails or if they want to receive all transactions.
Test cases marked MasterCard Decision in the Comments column are required for those Issuers that want the
Dual Message System to decline transactions when CVC 3 Validation fails.
Issuers not choosing this option must run test cases marked No Decision in the Comments column.
All test cases not marked with MasterCard Decision, or No Decision are required for all Issuers enrolling in
the service.
Authorization Requests containing PayPass Mapping Service related information, process them and send
properly formatted Authorization Responses.
Table 1.31—Table 0900901—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass Mapping Service with

Dynamic CVC 3 Pre Validation—Authorization Requests
Case DE DE DE 61
MSR CONTACTLESS

PURCHASE SIGNATURE
0100 090090100001 1 N/A OR NO CVM 00 92 0 311 00
1
DE 48, SE 33 = PAN information
DE 48, SE 34, SF 1 = ATC value, SF 2 = No discrepancy, SF 3 = W (ATC within limits)
DE 48, SE 71 = Valid PAN Mapping and dynamic CVC 3 validation result
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090090100002 1 N/A OR NO CVM 00 92 0 312 V
2
No decision - invalid CVC 3
DE 48, SE 71 = valid PAN Mapping result and invalid dynamic CVC 3 validation result
1-67
1-68

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090090100003 1 N/A OR NO CVM 00 92 0 313 V
3
No decision - CVC 3: unable to process
DE 48, SE 71 = valid PAN Mapping result with dynamic CVC 3 validation unable to process
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090090100004 1 N/A OR NO CVM 00 92 0 316 V
4
No decision - CVC 3: unpredictable number mismatch
DE 48, SE 71 = valid PAN Mapping result with dynamic CVC 3 unpredictable number mismatch
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090090100005 1 N/A OR NO CVM 00 92 0 317 V

5 No decision - CVC 3: ATC outside of valid range
DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy value, SF 3 = G (ATC greater than limit)
DE 48, SE 71 = valid PAN Mapping result with dynamic CVC 3 ATC out of range result
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090090100006 1 N/A OR NO CVM 00 92 0 318 V
6 No decision - CVC 3: ATC outside of valid range

DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy value, SF 3 = L (ATC less than limit)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090090100007 1 N/A OR NO CVM 00 92 0 319 V
7 No decision - CVC 3: ATC replay
DE 48, SE 34, SF 1 = ATC value, SF 2 = No discrepancy, SF 3 = ATC within limits
DE 48, SE 71 = valid PAN Mapping result with dynamic CVC 3 ATC replay result

1-69
1-70

with Dynamic CVC 3 Pre-validation Service—Authorization Advices (System-generated)
Debit MasterCard issuers that use the MasterCard—PayPass™ Mapping Service with Dynamic CVC 3
Pre-validation should select and perform a subset of the test cases below, based on the options they select
when enrolling in this service.
Issuers that choose the Optional Non-valid CVC 3 Processing Service must run test cases 1–7.
For issuers that do not issue the Optional Non-valid CVC 3 Processing Service, the following test cases
represent Advices that they would receive when MasterCard authorizes transactions when standing in for the
issuers—system:
• Test case 8 is an approval advice, which all issuers that do not use the Optional Non-valid CVC 3
Processing Service must run.
• Test cases 9–14 represent non-valid CVC 3 outcomes where the issuer instructs MasterCard to approve the
transaction even though the CVC 3 validation failed for any reason.
• Test cases 15–20 represent non-valid CVC 3 outcomes where the issuer instructs MasterCard to decline
the transaction in the event of a specific CVC 3 validation failure.

• Test case 21 must be run by all issuers that use the service.
• Test case 22 must be run by issuers that use the Processing Only option of the service.
Dynamic CVC 3 Pre-validation Service—Authorization Advices (System-generated)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200001 1 N/A OR NO CVM 00 92 0 311 00
Issuer uses optional non-valid CVC 3 processing - valid CVC 3
DE 39 = 00 (Approved)
1
DE 48, SE 33 = PPAN information
DE 48, SE 71 = valid PAN Mapping and valid dynamic CVC 3 validation result
DE 60, SF 1 = 101 (Alternate issuer route: IPS signed out)
DE 60, SF 2 = 0000 (Accept)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200002 1 N/A OR NO CVM 00 92 0 312 00
Issuer uses optional non-valid CVC 3 processing - invalid CVC 3
DE 39 = 05 (Do not honor)
2
DE 48, SE 87 = Y (Invalid)
DE 60, SF 1 = 115 (Transaction processed via MIP on-behalf service decision
DE 60, SE 2 = 0044 (Invalid CVC 3)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200003 1 N/A OR NO CVM 00 92 0 313 00

Issuer uses optional non-valid CVC 3 processing - unable to process
3

DE 48, SE 87 = P (unable to process)
DE 60, SF 1 = 115 (Transaction processed via MIP on-behalf service decision)
DE 60, SF 2 = 0042 (unable to process)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200004 1 N/A OR NO CVM 00 92 0 316 00
Issuer uses optional non-valid CVC 3 processing - CVC 3: unpredictable number mismatch
4
DE 48, SE 71 = valid PAN Mapping result and unpredictable number mismatch result for dynamic CVC 3 validation
DE 48, SE 87 = E (Length of unpredictable number is not a valid length)
1-71
DE 60, SF 2 = 0045 (unpredictable number mismatch)

1-72

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200005 1 N/A OR NO CVM 00 92 0 317 00
Issuer uses optional non-valid CVC 3 processing - CVC 3: ATC out of valid range
5 DE 48, SE 33 = PPAN information
DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy, SF 3 = G (ATC greater than limit)
DE 48, SE 87 = Y (invalid)
DE 60, SF 2 = 0043 (ATC outside of range)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200006 1 N/A OR NO CVM 00 92 0 318 00

Issuer uses optional non-valid CVC 3 processing - CVC 3: ATC out of valid range
DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy, SF 3 = L (ATC less than limit)
DE 60, SF 1 = 115 (transaction processed via MIP on-behalf service decision)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200007 1 N/A OR NO CVM 00 92 0 319 00
Issuer uses optional non-valid CVC 3 processing - CVC 3: ATC replay
DE 60, SF 2 = 0046 (CVC 3 ATC replay)
MSR CONTACTLESS
PURCHASE SIGNATURE

0120 090090200008 1 N/A OR NO CVM 00 92 0 311 00
Issuer does not use optional non-valid CVC 3 processing - valid CVC 3
8

DE 48, SE 71 = valid PAN Mapping and valid dynamic CVC 3 validation result
DE 60, SF 2 = 0000 (Accept)
1-73
1-74

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200009 1 N/A OR NO CVM 00 92 0 312 00
Issuer does not use optional non-valid CVC 3 processing - invalid CVC 3
Issuer instructs MasterCard to approve on invalid CVC 3 result
9 DE 39 = 00 (Approved)
DE 60, SF 2 = 0044 (Invalid CVC 3)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200010 1 N/A OR NO CVM 00 92 0 313 00

Issuer does not use optional non-valid CVC 3 processing - unable to process
Issuer instructs MasterCard to approve on unable to process result
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200011 1 N/A OR NO CVM 00 92 0 316 00
Issuer does not use optional non-valid CVC 3 processing - CVC 3: unpredictable number mismatch
Issuer instructs MasterCard to approve
DE 60, SF 2 = 0045 (Unpredictable number mismatch)
MSR CONTACTLESS
PURCHASE SIGNATURE

0120 090090200012 1 N/A OR NO CVM 00 92 0 317 00
Issuer does not use optional non-valid CVC 3 processing - CVC 3: ATC out of valid range
12

1-75
1-76

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200013 1 N/A OR NO CVM 00 92 0 318 00
13
DE 48, SF 87 = Y (Invalid)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200014 1 N/A OR NO CVM 00 92 0 319 00

Issuer does not use optional non-valid CVC 3 processing - CVC 3: ATC replay
Issuer instructs MasterCard to approve on ATC replay
14
DE 60, SF 2 = 0043 (CVC 3 ATC replay)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200015 1 N/A OR NO CVM 00 92 0 312 00
Issuer instructs MasterCard to decline on invalid CVC 3
15 DE 39 = 57 (Transaction not permitted to issuer/cardholder)
DE 48, SF 87 = Y (Invalid)
DE 60, SF 2 = 0044 (CVC 3 invalid)
MSR CONTACTLESS
PURCHASE SIGNATURE

0120 090090200016 1 N/A OR NO CVM 00 92 0 313 00
Issuer instructs MasterCard to decline on unable to process results
16 DE 39 = 57 (transaction not permitted to issuer/cardholder)

1-77
1-78

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200017 1 N/A OR NO CVM 00 92 0 316 00
Issuer does not use optional non-valid CVC 3 processing - CVC 3: unpredictable number mismatch
Issuer instructs MasterCard to decline
17 DE 39 = 57 (transaction not permitted to issuer/cardholder)
DE 48, SE 87 = E (Length of unpredictable number not a valid length)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200018 1 N/A OR NO CVM 00 92 0 317 00

DE 39 = 57 (Transaction not permitted to issuer/cardholder)
18
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200019 1 N/A OR NO CVM 00 92 0 318 00
19
MSR CONTACTLESS

PURCHASE SIGNATURE
0120 090090200020 1 N/A OR NO CVM 00 92 0 319 00
Issuer does not use optional non-valid CVC 3 processing - CVC 3: ATC replay
Issuer instructs MasterCard to decline on ATC replay

20
DE 60, SF 2 = 0046 (ATC reply)
1-79
1-80

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200021 1 N/A OR NO CVM 00 92 0 314 00
Acquirer-generated 0120. CVC 3 validation not performed
21
DE 48, SE 71 = valid PAN Mapping result
DE 60 = 190 (APS approved)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090090200022 1 N/A OR NO CVM 00 91 0 315 00
22 System-generated 0120 for issuer using the PayPass Mapping Service - Processing Only, where account number to
be mapped is not on file.
DE 60, SF 1 = 140 (Unable to convert PayPass account number)

DE 39 = 14 (invalid account number)


with Dynamic CVC 3 Pre-Validation Service—Authorization and Reversal Request
correctly formatted Reversal Requests and process the send appropriate Reversal Request Responses
NOTE
The response codes tested in both the Reversal Request and the Reversal Response do not represent the
full range possible.
Dynamic CVC 3 Pre-Validation Service—Authorization and Reversal Request
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090090300001 1 N/A OR NO CVM 00 92 0 311 00

1 0400 1 N/A DE 39 = 06 00
PayPass full reversal for mapping transaction. CVC 3 validation service not applicable to reversals.
DE 48, SF 33 = PAN information

DE 48, SF 71 = Valid PayPass mapping result
1-81
1-82

The following test cases will test whether an issuer's Dual Message authorization application participating
in the MasterCard Assurance Service for India intracountry card-not-present transactions can receive
Authorization Requests, process them, and return correctly formatted Authorization Responses.
Table 1.34—Table 0900907—Issuer Debit MasterCard—MSR Product and Services—MasterCard Assurance Service—Authorization
Requests
Case DE DE DE 61
UNKNOWN ENTRY
MAIL/PHONE ORDER
DE 48, SE 42, SF 1, position 3 = 2 (UCAF data collection is supported by the merchant).

1
DE 48, SE 43 first position = 6 (UCAF control byte).
DE 61, SF 4 = 2 (Mail/facsimile order)

DE 61, SF 7 = 2 (SecureCode Phone Order)

DE 124 = MAS
UNKNOWN ENTRY
MAIL/PHONE ORDER

2
DE 61, SF 4 = 3 (Phone/ARU order)
DE 61, SF 7 = 2 (SecureCode Phone Order)
DE 124 = MAS
Case DE DE DE 61
UNKNOWN ENTRY
MAIL/PHONE ORDER

3
DE 61, SF 4 = 4 (Standing order / recurring transaction)
DE 61, SF 7 = 0 (Normal transaction)
DE 124 = MAS

1-83
1-84

Dynamic CVC 3 Pre-validation Service—Authorization Requests
The following test cases will test whether an issuer's Dual Message authorization application using the PayPass
CVC 3 Pre-validation Service can receive CVC 3 normal and exception results and send the correct responses.
All Issuers enrolling in the PayPass Dynamic CVC 3 Pre-validation Service specify if they want the Dual
Message System to decline transactions when CVC 3 Validation fails or if they want to receive all transactions.
Test cases marked MasterCard Decision in the Comments column are required for those Issuers that want the
Dual Message System to decline transactions when CVC 3 Validation fails.
Issuers that do not choose this option must run test cases marked No Decision in the Comments column.
All test cases not marked with MasterCard Decision or No Decision are required for all issuers enrolling in
the service.
Table 1.35—Table 0901001—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass Dynamic CVC 3
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090100100001 1 N/A OR NO CVM 00 91 0 311 00
1
DE 48, SE 34, SF 1 = ATC value, SF 2 = No discrepancy, SF 3 = W (ATC within range)
DE 48, SE 71 = Valid dynamic CVC 3
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090100100002 1 N/A OR NO CVM 00 91 0 312 V
2
No decision - Invalid CVC 3
DE 48, SE 71 = invalid dynamic CVC 3
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090100100003 1 N/A OR NO CVM 00 91 0 313 V
3
No decision - unable to process
DE 48, SE 71 = Dynamic CVC 3 validation unable to process result
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090100100004 1 N/A OR NO CVM 00 91 0 316 V
4
No decision - unpredictable number mismatch
DE 48, SE 71 = Dynamic CVC 3 validation unpredictable number mismatch result
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090100100005 1 N/A OR NO CVM 00 91 0 317 V

5
No decision - ATC out of valid range
DE 48, SE 71 = Dynamic CVC 3 ATC out of range

MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090100100006 1 N/A OR NO CVM 00 91 0 318 V
6
No decision - ATC out of valid range
MSR CONTACTLESS
PURCHASE SIGNATURE
0100 090100100007 1 N/A OR NO CVM 00 91 0 319 V
7
No decision - ATC replay
DE 48, SE 71 = Dynamic CVC 3 ATC replay
1-85
1-86

Dynamic CVC 3 Pre-validation Service—Authorization Advices (System-generated)
Issuers that use the MasterCard—PayPass™ Dynamic CVC 3 Pre-validation service should be prepared to
receive Authorization Advice messages from the MasterCard Stand-In systems that contain data generated by
the MasterCard PayPass Dynamic CVC 3 Pre-validation service.
For issuers that do not use the Optional Non-valid CVC 3 Processing Service, these test cases represent Advices
that they would receive when MasterCard authorizes transactions when standing in for the issuer's system.
Issuers should select and run a subset of the test cases below based on the options they select when
enrolling in this service:
• Issuers that do not choose the Optional Non-valid CVC 3 Processing Service must run test cases 1-7 in
the table below.
• Test case 8 is an approval advice, which all issuers that do not use the Optional Non-valid CVC 3
Processing Service must run.
• Test cases 15–20 represent non-valid CVC 3 outcomes in which the issuer instructs MasterCard to decline

• Test cases 9-14 represent non-valid CVC 3 outcomes in which the issuer instructs MasterCard to approve
the transaction even though the CVC 3 validation failed for any reason.
Issuers may need to run a mixed subset of the test cases in the 9–14 (approve) and 15–20 (decline) ranges,
depending on the mix of instructions they send to MasterCard.
Issuers choose decline codes for each non-valid CVC 3 result and place those in a decision matrix in their
On-behalf Key Management file.
Pre-validation Service—Authorization Advices (System-generated)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200001 1 N/A OR NO CVM 00 91 0 311 00
Issuer uses optional non-valid CVC 3 processing - valid CVC 3
1 DE 39 = 00 (Approved) in 0120 message
DE 60, SF 2 = 0000 (Accept)
MSR CONTACTLESS
PURCHASE SIGNATURE

0120 090100200002 1 N/A OR NO CVM 00 91 0 312 00
Issuer uses optional non-valid CVC 3 processing - invalid CVC 3
2 DE 39 = 05 (Do not honor)
DE 48, SE 71 = Invalid dynamic CVC 3

MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200003 1 N/A OR NO CVM 00 91 0 313 00
Issuer uses optional non-valid CVC 3 processing - unable to process
DE 48, SE 87 = P (CVC 3 unable to process)
DE 60, SF 2 = 0042 (CVC 3 unable to process)
1-87
1-88

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200004 1 N/A OR NO CVM 00 91 0 316 00
Issuer uses optional non-valid CVC 3 processing - unpredictable number mismatch
DE 48, SE 71 = dynamic CVC 3 validation unpredictable number mismatch result
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200005 1 N/A OR NO CVM 00 91 0 317 00
Issuer uses optional non-valid CVC 3 processing - ATC out of valid range

5
DE 60, SF 2 = 0043 (ATC outside allowed range)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200006 1 N/A OR NO CVM 00 91 0 318 00
Issuer uses optional non-valid CVC 3 processing - ATC out of valid range
6
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200007 1 N/A OR NO CVM 00 91 0 319 00
Issuer uses optional non-valid CVC 3 processing - ATC replay
DE 60, SF 2 = 0046 (ATC replay)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200008 1 N/A OR NO CVM 00 91 0 311 00
Issuer does not use optional non-valid CVC 3 processing - valid CVC 3


DE 60, SF 2 = 0000 (Accept)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200009 1 N/A OR NO CVM 00 91 0 312 00
Issuer instructs MasterCard to approve on invalid CVC 3
9
1-89
1-90

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200010 1 N/A OR NO CVM 00 91 0 313 00
Issuer instructs MasterCard to approve on unable to process result
10
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200011 1 N/A OR NO CVM 00 91 0 316 00
Issuer does not use optional non-valid CVC 3 processing - unpredictable number mismatch
Issuer instructs MasterCard to approve on unpredictable number mismatch

11
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200012 1 N/A OR NO CVM 00 91 0 317 00
Issuer does not use optional non-valid CVC 3 processing - ATC out of valid range
Issuer instructs MasterCard to approve on ATC out of range
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200012 1 N/A OR NO CVM 00 91 0 318 00
Issuer instructs MasterCard to approve on ATC out of range
MSR CONTACTLESS
PURCHASE SIGNATURE

0120 090100200014 1 N/A OR NO CVM 00 91 0 319 00
Issuer does not use optional non-valid CVC 3 processing - ATC replay
Issuer instructs MasterCard to approve on ATC replay

1-91
1-92

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200015 1 N/A OR NO CVM 00 91 0 312 00
Issuer instructs MasterCard to decline on invalid CVC 3
15
DE 39 = from 0110 based on issuer decision matric
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200016 1 N/A OR NO CVM 00 91 0 313 00
Issuer instructs MasterCard to decline on unable to process results

16
DE 39 = from 0110 based on issuer decision matrix
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200017 1 N/A OR NO CVM 00 91 0 316 00
Issuer does not use optional non-valid CVC 3 processing - unpredictable number mismatch
Issuer instructs MasterCard to decline on unpredictable number mismatch
17
DE 39 = from 0110 based on issuer decision matrix
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200018 1 N/A OR NO CVM 00 91 0 317 00
Issuer instructs MasterCard to decline on ATC out of range
18
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200019 1 N/A OR NO CVM 00 91 0 318 00

Issuer instructs MasterCard to decline on ATC out of range
19 DE 39 = from 0110 based on issuer decision matrix

1-93
1-94

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090100200020 1 N/A OR NO CVM 00 91 0 319 00
Issuer does not use optional non-valid CVC 3 processing - ATC replay
Issuer instructs MasterCard to decline on ATC replay
20 DE 39 = from 0110 based on issuer decision matrix

Dynamic CVC 3 Validation in Stand-In Service—Authorization Advices (System-generated)
The following test cases will test whether an issuer's Dual Message authorization application using
MasterCard—PayPass—CVC 3 Validation in Stand-In can receive CVC 3 normal and exception results and
send the resulting Authorization Responses.
Issuers must select and run a subset of the test cases below based upon the options they select when
enrolling in this service.
• Test case 1 is an approval advice, which all issuers must run.

• Test cases 2–7 represent non-valid CVC 3 outcomes in which the issuer instructs MasterCard to approve
the transaction even though the CVC 3 validation failed.
• Test cases 8–13 represent non-valid CVC 3 outcomes in which the issuer instructs MasterCard to decline
Issuers may need to run a mixed subset of the test cases in the 2–7 (approve) and 8–13 (decline) ranges,

Issuers choose decline codes for each non-valid CVC 3 result and place those in a decision matrix in their
On-behalf Key Management file. Issuers may choose from the following decline codes: 01 - Refer to Issuer, 04
- Pickup card, 05 - Do Not Honor, 08 - Honor with Identification, 12–Invalid Transaction, 57–Transaction not
permitted to cardholder

Table 1.37—Table 0901102—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass Dynamic CVC 3 Validation in
Stand-In Service—Authorization Advices (System-generated)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200001 1 N/A OR NO CVM 00 91 0 311 00
Valid CVC 3
1 DE 48, SE 71 = Valid dynamic CVC 3
DE 39 = 00 (Approved) in 0120 message
1-95

DE 60, SF 2 = 0000 (Accept)
1-96

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200002 1 N/A OR NO CVM 00 91 0 312 00
Invalid CVC 3 - Issuer instructs MasterCard to approve on invalid CVC 3
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200003 1 N/A OR NO CVM 00 91 0 313 00
Unable to process - Issuer instructs MasterCard to approve on Unable to process
3 DE 39 = 00
DE 48, SE 71 = unable to process dynamic CVC 3

DE 48, SE 87 = P (Unable to process CVC 3)
DE 60, SF 2 = 0042 (unable to process CVC 3)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200004 1 N/A OR NO CVM 00 91 0 316 00
Unpredictable number mismatch - Issuer instructs MasterCard to approve on unpredictable number mismatch
DE 48, SE 71 = Dynamic CVC 3 unpredictable number mismatch
DE 48, SE 87 = E (Unpredictable number mismatch)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200005 1 N/A OR NO CVM 00 91 0 317 00
ATC out of valid range - Issuer instructs MasterCard to approve on ATC out of range
5
DE 60, SF 2 = 0043 (ATC out of range)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200006 1 N/A OR NO CVM 00 91 0 318 00

ATC out of valid range - Issuer instructs MasterCard to approve on ATC out of range
6

DE 48, SE 34, SF 1 = ATC, SF 2 = discrepancy, SF 3 = L (less than limit)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200007 1 N/A OR NO CVM 00 91 0 319 00
ATC replay - Issuer instructs MasterCard to approve on ATC replay
7
DE 48, SE 71 = Dynamic CVC 3 ATC replay result
1-97

1-98

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200008 1 N/A OR NO CVM 00 91 0 312 00
Invalid CVC 3 - Issuer instructs MasterCard to decline on invalid CVC 3
8 DE 39 from 0110 based on issuer decision matrix
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200009 1 N/A OR NO CVM 00 91 0 313 00
Unable to process - Issuer instructs MasterCard to decline on unable to process

DE 48, SE 71 = Unable to process dynamic CVC 3

DE 60, SF 2 = 0042 (Unable to process CVC 3)
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200010 1 N/A OR NO CVM 00 91 0 316 00
Unpredictable number mismatch - Issuer instructs MasterCard to decline on unpredictable number mismatch
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200011 1 N/A OR NO CVM 00 91 0 317 00
ATC out of valid range - Issuer instructs MasterCard to decline on ATC out of range
DE 39 from 0110 based on issuer decision matrix
11
MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200012 1 N/A OR NO CVM 00 91 0 318 00

ATC out of valid range - Issuer instructs MasterCard to decline on ATC out of range
12

MSR CONTACTLESS
PURCHASE SIGNATURE
0120 090110200013 1 N/A OR NO CVM 00 91 0 319 00
ATC replay - Issuer instructs MasterCard to decline on ATC replay
13
1-99

1-100

0901201—Issuer Debit MasterCard—MSR Product and Services—Member-defined
Data—Authorization Requests
Authorization Requests that contain Member-defined Data, process them, and return correctly formatted
Authorization Responses that contain Member-defined Data.
Table 1.38—Table 0901201—Issuer Debit MasterCard—MSR Product and Services—Member-defined Data—Authorization Requests
Case DE DE DE 61
MSR PURCHASE
0100 090120100001 1 N/A SIGNATURE 00 90 0 001-010 00
1
Authorization request containing DE 124 member-defined data.
Response to include DE 124 member-defined data same as received or different than received in request.
MSR PURCHASE
0100 090120100002 1 N/A SIGNATURE 00 90 0 001-010 00
2
Authorization request without DE 124 member-defined data.

Response to include DE 124 member-defined data.
MSR PURCHASE
0100 090120100003 1 N/A SIGNATURE 00 90 0 001-010 00
3
Authorization request containing DE 124 member-defined data.
Response not to include DE 124 member-defined data.
0901301—Issuer Debit MasterCard—MSR Product and Services—Partial Approval—Autho-

rization and Reversal Requests
The following test cases will test whether an issuer's Dual message authorization application can receive
Authorization Request/0100 Messages, process them, and return correctly formatted partial approval
Authorization Request Response/0110 Messages. DE 6 (Amount, Cardholder Billing) in the Authorization
Request Response must contain the partial approval amount, DE 51 (Currency Code, Cardholder Billing),
the cardholder billing currency, DE 38 (Authorization ID Response), an approval code, and DE 39, value 10
(Partial Approval).
Acquirers are able to indicate in the Authorization Request that the merchant terminal supports the receipt
of partial approvals, and on receipt of a partial approval response, the merchant can initiate split-tender
processing to obtain the remainder of the purchase amount in another form of payment from the cardholder.
The Authorization System allows issuers to respond to an Authorization Request with a partial approval. The
partial approval enables issuers to approve a portion of the transaction amount in the Authorization Request
when the transaction amount exceeds the amount of funds available.

If the customer cannot complete the partial approval transaction by submitting other forms of payment for
the remaining balance, the merchant must submit a Reversal Request with DE 4 (Amount, Transaction) that
contains the partial approval amount from the Authorization Request Response/0110 message.
Table 1.39—Table 0901301—Issuer Debit MasterCard—MSR Product and Services—Partial Approval—Authorization and Reversal
Requests

Case DE DE DE 61
MSR PURCHASE
0100 090130100001 1 1 SIGNATURE 00 90 0 026 10
0400 1 1 DE 39 = 17 00
1
Partial approval amount less than requested amount.
0100: DE 48, SE 61, POSITION 1 = 1 (Merchant terminal supports receipt of partial approvals)
0400: Full reversal of partial approval amount due to customer cancellation
1-101
1-102

Case DE DE DE 61
MSR CAT LEVEL 2
0100 090130100002 1 1 PURCHASE NO CVM 00 90 2 075 10
AFD preauthorized request with partial approval amount less than requested 100.00 amount
2
0100: DE 6 = EUR 100, DE 18 = 5542 (Automated fuel dispenser)
0100: DE 48, SE 61, POSITION 1 = 1 (Merchant terminal supports receipt of partial approvals)
0100: DE 61, SF 7 = 4 (Preauthorized request)
MSR CAT LEVEL 2
0100 090130100003 1 1 PURCHASE NO CVM 00 90 2 076 10
AFD preauthorized request with partial approval amount greater than requested amount
3
0100: DE 6 = USD 1 (Amount, cardholder billing), DE 18 = 5542 (Automated fuel dispenser)
0100: DE 48, SE 61 POSITION 1 = 1 (Merchant terminal supports receipt of partial approvals)
0100: DE 61, SF 7 = 4 (Preauthorized request)
MSR PURCHASE
0100 090130100004 1 1 SIGNATURE 00 90 0 026 10

4
Partial approval amount equals requested amount.
0100: DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals)
0901401—Issuer Debit MasterCard—MSR Product and Services—Account Level Management

(U.S. Region)—Authorization Requests
process Authorization Requests that contain the Account Level Management (ALM) account category codes
and return the code when appropriate in response code of the Authorization Responses. Issuers may also
receive a product code that is different than the product code assigned to the account range when an account
has been registered in Account Level Management with a different product.
NOTE
U.S. issuers that participate in Account Level Management (ALM) are required to test.
Table 1.40—Table 0901401—Issuer Debit MasterCard—MSR Product and Services—Account Level Management (U.S.
Region)—Authorization Requests
Case DE DE DE 61
MSR PURCHASE

1 0100 090140100001 1 1 SIGNATURE 00 90 0 091 00
0100: DE 48, SE 38 = Z (Account range participates in ALM but account number does not)
MSR PURCHASE
0100 090140100002 1 1 SIGNATURE 00 90 0 093 00

2
0100: DE 48, SE 38 = P (Account registered for ALM-PG and product graduated above account range product)
0100: DE 63, SF 1 = Graduated product
MSR PURCHASE
0100 090140100003 1 1 SIGNATURE 00 90 0 094 00
3
0100: DE 48, SE 38 = P (Account registered for ALM-PG and product graduated below account range product)
1-103
1-104

(Europe Region)—Authorization Requests
The following test cases will test whether an issuer's Dual Message authorization application that is
participating in Account Level Management (ALM) can receive and process Authorization Requests that contain
the ALM account category code and return the code in the approval response in DE 38 (Authorization ID
Response) of the Authorization Responses..
Issuers will also receive a product code in DE 63, subfield 1 (Financial Network Code) that is different than
the product code assigned to the account range when an account has been registered for Product Graduation.
NOTE
Europe issuers that participate in Account Level Management (ALM) are required to test.
Table 1.41—Table 0901402—Issuer Debit MasterCard—MSR Product and Services—Account Level Management (Europe
Case DE DE DE 61
MSR PURCHASE
1 0100 090140200001 1 1 SIGNATURE 00 90 0 091 00
MSR PURCHASE
0100 090140200002 1 1 SIGNATURE 00 90 0 093-094 00
2
0100: DE 48, SE 38 = P (Account registered for ALM-PG)
MSR PURCHASE
3 0100 090140200003 1 1 SIGNATURE 00 90 0 092 00
0100: DE 48, SE 38 = B (Account registered for ALM-EV)

MSR PURCHASE
0100 090140200004 1 1 SIGNATURE 00 90 0 095-096 00
4
0100: DE 48, SE 38 = M (Account registered for both ALM-EV and ALM-PG)

(Asia Pacific Region)—Authorization Requests
The following test cases will test whether an issuer's Dual Message application can receive and process
Authorization Requests that contain Account Level Management (ALM) account category codes in DE 48,
subelement 38 as well as the graduated product code in DE 63, subfield 1 (if applicable), and send the
resulting Authorization Responses containing ALM account category code in sixth position of DE 38 for
approved Authorization Responses and the graduated product code (if applicable) in DE 63, subfield 1.
NOTE
Asia Pacific region issuers that participate in Account Level Management (ALM) are required to test.
Table 1.42—Table 0901404—Issuer Debit MasterCard—MSR Product and Services—Account Level Management (Asia Pacific
Case DE DE DE 61
MSR PURCHASE

1 0100 090140400001 1 1 SIGNATURE 00 90 0 091 00
MSR PURCHASE
0100 090140400002 1 1 SIGNATURE 00 90 0 093 00

2
Account graduated upward from account range product
0100: DE 48, SE 38 = P (Account qualified for Product Graduation) and DE 63, SF 1 = Graduated product
MSR PURCHASE
0100 090140400003 1 1 SIGNATURE 00 90 0 094 00
3
Account graduated downward from account range product
0100: DE 48, SE 38 = P (Account qualified for Product Graduation) and DE 63, SF 1 = Graduated product
1-105
1-106

0901501—Issuer Debit MasterCard—MSR Product and Services—Customer Data
Messages—Administrative Requests
Administrative Requests, process them and return correctly formatted Administrative Responses that contain
Customer Data information. Administrative Request/06xx Customer Data messages allow participating
acquires and issuers to use the Authorization System to transmit Customer Data using MasterCard, private
label, and other eligible card products.
Table 1.43—Table 0901501—Issuer Debit MasterCard—MSR Product and Services—Customer Data Messages—Administrative
Requests
Case DE DE DE 61
CONSUMER
1 0600 090150100001 1 1 APPLICATION REQUEST 001 00
Format and content
CONSUMER
APPLICATION STATUS
2 0600 090150100002 1 1 INQUIRY 002 00
Format and content
CONSUMER USER
3 0600 090150100003 1 0 LOOKUP INQUIRY 003 00
Format and content
CONSUMER ACCOUNT
4 0600 090150100004 1 0 LOOKUP INQUIRY 004 00
Format and content
CONSUMER ACCOUNT
MAINTENANCE
5 0600 090150100005 1 0 REQUEST 005 00
Format and content
Case DE DE DE 61
CONSUMER COUNTER
6 0600 090150100006 1 0 OFFER REPLY 006 00
Format and content
CONSUMER
PRE-APPROVED OFFER
7 0600 090150100007 1 0 INQUIRY 007 00
Format and content
BUSINESS
8 0600 090150100008 1 1 APPLICATION REQUEST 008 00
Format and content
BUSINESS
APPLICATION STATUS

9 0600 090150100009 1 0 INQUIRY 009 00
Format and content
BUSINESS USER
0600 090150100010 1 0 LOOKUP INQUIRY 010 00

10
Format and content
BUSINESS ACCOUNT
11 0600 090150100011 1 0 LOOKUP INQUIRY 011 00
Format and content
BUSINESS ACCOUNT
MAINTENANCE
12 0600 090150100012 1 0 REQUEST 012 00
Format and content
BUSINESS COUNTER
13 0600 090150100013 1 0 OFFER REPLY 013 00
1-107
Format and content

RC
00
014
Card Id
DE 52
DE 61
_10
22_1
DE
3_1
DE
Business Transaction
APPROVED OFFER
BUSINESS PRE-
INQUIRY
MTF
0
SIM
1
Format and content
Retrieval Ref No
090150100014
0600
MTI
Case
ID
14
0901601—Issuer Debit MasterCard—MSR Product and Services—Purchase Approval Only

PWCB—Authorization Requests
Purchase with Cash Back Authorization Requests, process them, and return correctly formatted Purchase
Approval Only Authorization Responses.
Table 1.44—Table 0901601—Issuer Debit MasterCard—MSR Product and Services—Purchase Approval Only PWCB—Authorization
Requests
Case DE DE DE 61
MSR PURCHASE
WITH CASH BACK
0100 090160100001 1 1 SIGNATURE 09 90 0 030 87
Issuer approves Purchase only portion of Purchase with Cash Back
1 0100: DE 48, SE 61, SF 2 = 1 (Merchant terminal supports receipt of purchase only approvals)

0110: DE 6 = Purchase approval amount, DE 38 present, DE 39 = 87, and DE 51 = same value from 0100)
NOTE
Issuer need not provide DE 54 in 0110

MSR PURCHASE
WITH CASH BACK
0100 090160100002 1 1 ONLINE PIN 09 90 0 V 030 87
Issuer approves Purchase only portion of Purchase with Cash Back
2 0100: DE 48, SE 61, SF 2 = 1 (Merchant terminal supports receipt of purchase only approvals)
0110: DE 6 = Purchase approval amount, DE 38 present, DE 39 = 87, and DE 51 = same value from 0100)
NOTE
Issuer need not provide DE 54 in 0110
1-109
1-110

0901703—Issuer Debit MasterCard—MSR Product and Services—MasterCard MoneySend
Funding Transaction—Authorization and Reversal Requests
The following test cases will test whether an issuer's Dual Message authorization application can process
MasterCard—MoneySend™ Funding transactions in the Authorization Requests and return correctly formatted
Table 1.45—Table 0901703—Issuer Debit MasterCard—MSR Product and Services—MasterCard MoneySend Funding
Transaction—Authorization and Reversal Requests
Case DE DE DE 61
MANUAL ENTRY
1
0400 1 1 DE 39 = 17 00
DE 18 = 6538 (MasterCard MoneySend Funding); DE 48, TCC = R (Retail); DE 124 (optional)

MSR CAT LEVEL 1


2
0400 1 1 DE 39 = 17 00

MSR CAT LEVEL 2
0100 090170300003 1 1 PURCHASE NO CVM 00 90 2 001-010 00
3
0400 1 1 DE 39 = 17 00

ELECTRONIC
COMMERCE PURCHASE
0100 090170300004 1 1 NO CVM 00 81 6 001-010 00
4
0400 1 1 DE 39 = 17 00
DE 18 = 6538 (MasterCard MoneySend Funding); DE 48, TCC = T (Phone, Mail or Electronic Commerce); DE 124 (optional)
Case DE DE DE 61
MSR PURCHASE
0100 090170300005 1 1 SIGNATURE 00 90 0 001-010 00
5
0400 1 1 DE 39 = 17 00

1-111
1-112

0901751—Issuer Debit MasterCard—MSR Product and Services—MasterCard rePower Load
Payment Transaction—Authorization Requests and Reversals
The following test cases will test whether an issuer's Duall Message authorization application is able to
receive MasterCard rePower load payment transactions, process them, and send resulting correctly formatted
NOTE
These processing scenarios and response codes do not represent the full range possible.
Table 1.46—Table 0901751—Issuer Debit MasterCard—MSR Product and Services—MasterCard rePower Load Payment
Transaction—Authorization Requests and Reversals
Case DE DE DE 61
MSR PAYMENT
rePower load payment transaction approved by issuer.

1
0100: DE 18 (Merchant Type ]MCC]) = 6532 (Payment Transaction - Member Financial Institution) or 6533 (Payment
Transaction - Merchant).
0100: DE 48, SE 77 = C03 (Load Value).
0110: DE 54 contains post-load account balance.
MSR PAYMENT
0400 1 1 DE 39 = 17 00
rePower load payment transaction request cancelled after receiving approved request response and reversal submitted
2 by merchant.
0100: DE 18 (Merchant Type ]MCC]) = 6532 (Payment Transaction - Member Financial Institution) or 6533 (Payment
0100: DE 48, SE 77 = C03 (Load Value).
0400: DE 39 = 17 (Customer Cancellation).
0901801—Issuer Debit MasterCard—MSR Product and Services—Real-Time

Substantiation—Authorization and Reversal Requests
Real-time substantiation is performed by merchant against a qualifying Inventory Information Approval System
(IIAS) to determine whether purchases on Flexible Spending Account (FSA) and Healthcare Reimbursement
Arrangement (HRA) cards are healthcare eligible.
The following test cases will test whether an issuers—Dual Message authorization application can receive
Real-time Substantiation Authorization and Reversal Requests, process them, and return correctly formatted
NOTE
All issuers must be prepared to receive DE 48, subelement 32 (MasterCard Assigned ID) and ignore it if the
issuer is not participating in Real-time Substantiation.
Table 1.47—Table 0901801—Issuer Debit MasterCard—MSR Product and Services—Real-Time Substantiation—Authorization

Case DE DE DE 61

MSR PURCHASE NO
0100 090180100001 1 N/A CVM 00 90 0 001-010 00
1

Merchant terminal verified against IIAS and MasterCard Assigned ID is present and valid.
Healthcare and prescription eligibility amounts present.
MSR PURCHASE NO
0100 090180100002 1 N/A CVM 00 90 0 001-010 00
2
Merchant terminal verified against IIAS and MasterCard Assigned ID is present and valid.
Healthcare eligibility amount present.
1-113
1-114

Case DE DE DE 61
MSR PURCHASE NO
0100 090180100003 1 N/A CVM 00 90 0 026 10
0400 1 N/A DE 39 = 17 00
3
Merchant terminal verified against IIAS; merchant terminal supports partial approvals; and MasterCard Assigned ID is
present and valid.
Healthcare and prescription eligibility amounts present.
Acquirer full reversal of issuer partial approval
MSR PURCHASE NO
4 0100 090180100004 1 N/A CVM 00 90 0 001-010 V
Merchant terminal verified against IIAS but MasterCard could not validate the MasterCard Assigned ID
MSR PURCHASE NO
5 0100 090180100005 1 N/A CVM 00 90 0 001-010 V
Merchant terminal not verified against IIAS.

MANUAL ENTRY
6 0100 090180100006 1 N/A PURCHASE SIGNATURE 00 01 0 001-010 V
Merchant claims exemption from using an IIAS based on the IRS 90 percent rule
0901901—Issuer Debit MasterCard—MSR Product and Services—PIN Pre-validation

Authorization Requests including the results of PIN Pre-validation Service, process them, and return correctly
NOTE
PIN Pre-validation Service is currently only available to issuers in the Europe region.
Table 1.48—Table 0901901—Issuer Debit MasterCard—MSR Product and Services—PIN Pre-validation Service—Authorization
Requests
Case DE DE DE 61
MSR ATM WITHDRAWAL
1 0100 090190100001 1 N/A ONLINE PIN 01 90 0 001-010 00

DE 48, SE 71 = 08Vb (Valid online PIN pre-validation)
MSR ATM WITHDRAWAL
2 0100 090190100002 1 N/A ONLINE PIN 01 90 0 035 55
DE 48, SE 71 = 08Ib (Invalid online PIN pre-validation)

MSR ATM WITHDRAWAL
3 0100 090190100003 1 N/A ONLINE PIN 01 90 0 028 75
DE 48, SE 71 = 08Rb (Online PIN pre-validation; PIN retry exceeded)

MSR ATM WITHDRAWAL
4 0100 090190100004 1 N/A ONLINE PIN 01 90 0 029 86
DE 48, SE 71 = 08Pb (Online PIN pre-validation; missing mandatory PVV file)

MSR ATM WITHDRAWAL
5 0100 090190100005 1 N/A ONLINE PIN 01 90 0 029 86
DE 48, SE 71 = 08Ub (Online PIN pre-validation; unable to process PIN)

1-115
1-116

0901902—Issuer Debit MasterCard—MSR Product and Services—PIN Validation In Stand-In
Service (Europe Region)—Authorization Advices (System-generated)
Authorization Advices including the results of PIN Validation in Stand-In, process them, and return correctly
NOTE
PIN Validation in Stand-In is currently only available to issuers in the Europe region.
Table 1.49—Table 0901902—Issuer Debit MasterCard—MSR Product and Services—PIN Validation In Stand-In Service (Europe
Region)—Authorization Advices (System-generated)
Case DE DE DE 61
MSR ATM WITHDRAWAL
0120 090190200001 1 N/A ONLINE PIN 01 90 0 001-010 00
1
DE 39 = 00 (Approval); DE 48, SE 71 = 09Vb (Valid PIN)

DE 60 = 1010000 (IPS signed out; Approved)

MSR ATM WITHDRAWAL
0120 090190200002 1 N/A ONLINE PIN 01 90 0 035 00
2
DE 39 = 55 (Invalid PIN); DE 48 SE 71 = 09Ib (Invalid PIN)
DE 60 = 1010051 (IPS signed out; Invalid PIN)
MSR ATM WITHDRAWAL
0120 090190200003 1 N/A ONLINE PIN 01 90 0 028 00
3
DE 39 = 75 (Allowable number of PIN tries exceeded); DE 48, SE 71 = 09Rb (PIN retry exceeded)
DE 60 = 1010052 (IPS signed out; PIN retry exceeded)
MSR ATM WITHDRAWAL
0120 090190200004 1 N/A ONLINE PIN 01 90 0 029 00
4
DE 39 = 86 (PIN validation not possible); DE 48, SE 71 = 09Pb (Missing PVV file)
DE 60 = 1010052 (IPS signed out; Mandatory PVV not on file)
Case DE DE DE 61
MSR ATM WITHDRAWAL
0120 090190200005 1 N/A ONLINE PIN 01 90 0 029 00
5
DE 39 = 86 (PIN validation not possible); DE 48, SE 71 = 09Ub (unable to process)
DE 60 = 1010050 (IPS signed out; unable to process)

1-117
1-118

0901911—Issuer Debit MasterCard—MSR Product and Services—Intracountry POS Cash
Back Transactions—Authorization Requests
The following test cases will test whether an issuer's Dual Message application is able to receive POS cash
back with purchase and cash back only Authorization Requests for intracountry transactions where allowed by
MasterCard, process them, and return correctly formatted Authorization Responses.
Table 1.50—Table 0901911—Issuer Debit MasterCard—MSR Product and Services—Intracountry POS Cash Back
Case DE DE DE 61
MSR CASH BACK
0100 090191100001 1 1 SIGNATURE 09 90 0 001-010 00
1 Intracountry POS cash back only transaction.
This transaction is currently setup for India intracountry. The currency and country information will need to be changed
for any other intracountry transaction.
MSR PURCHASE
WITH CASH BACK

0100 090191100002 1 1 SIGNATURE 09 90 0 001-010 00
2
Intracountry POS purchase with cash back transaction.
MSR CASH BACK
0100 090191100003 1 1 ONLINE PIN 09 90 0 V 001-010 00
MSR PURCHASE
WITH CASH BACK
0100 090191100004 1 1 ONLINE PIN 09 90 0 V 001-010 00
4
0902001—Issuer Debit MasterCard—MSR Product and Services—ASCII EBCDIC—Authorization

Requests, Advice and Reversal
Customers have the option to use either the extended ASCII or EBCDIC character sets. The default character
set is extended EBCDIC.
• EBCDIC is an IBM code for representing characters as numbers.

• ASCII is a code for representing English characters as numbers, with each letter assigned a number
from 0 to 127.
Customers will also be able to use extended ASCII and EBCDIC character set data in data elements defined for
alpha characters such as the following:
• DE 42 (Card Acceptor Identification Code)

• DE 43 (Card Acceptor Name and Location)
• DE 123 (Receipt Free Text) 0110 message only
• DE 120 (Record Data - Address Verification Messages)

• DE 124 (Member-defined Data)
Authorization messages that contain the default EBCDIC extended character set or the optional ASCII extended

character set, process them, and return correctly formatted Authorization Responses.
Table 1.51—Table 0902001—Issuer Debit MasterCard—MSR Product and Services—ASCII EBCDIC—Authorization Requests, Advice
and Reversal
Case DE DE DE 61
MSR PURCHASE
0100 090200100001 1 1 SIGNATURE 00 90 0 001-010 00
1
0400 1 1 DE 39 = 00 00
Contains DE 42, DE 43, and DE 124 in ASCII or EBCDIC extended character set
1-119
1-120

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
2 0100 090200100002 1 1 NO CVM 00 01 0 055 00
Contains AVS request and DE 120 in ASCII or EBCDIC extended character set
MSR PURCHASE
3 0120 092001000003 1 1 SIGNATURE 00 90 0 001-010 00
Contains DE 42, DE 43, and DE 124 in ASCII or EBCDIC extended character set
0902101—Issuer Debit MasterCard—MSR Product and Services—Alternate Issuer

Routing—Authorization Requests and Advices
process Authorization Requests on an alternate issuer host indicated by DE 48, subelement 12, value A
(Alternate issuer host routing), process them, and return correctly formatted Authorization Responses.
Table 1.52—Table 0902101—Issuer Debit MasterCard—MSR Product and Services—Alternate Issuer Routing—Authorization
Requests and Advices
Case DE DE DE 61
MSR PURCHASE
1 0100 090210100001 1 1 SIGNATURE 00 90 0 001-010 00
Routing to alternate issuer host designated by presence of DE 48, SE 12 = A (Alternate issuer host routing)
MSR PURCHASE
0120 090210100001 1 1 SIGNATURE 00 90 0 001-010 00

2
Advice to primary issuer for authorization processed by alternate issuer host

1-121
1-122

0902201—Issuer Debit MasterCard—MSR Product and Services—MasterCard inControl Real
Card Spend Control Service—Authorization Requests
The following test cases will test whether a participating MasterCard inControl Real Card Spend Control
Service issuer Dual Message authorization application can receive and process Authorization Requests that
contain the results of inControl Real Card Spend Control Service in DE 48, subelement 71 (On-behalf Services),
Transactions failing cardholder specified restrictions may either be forwarded to issuer (as indicates in this
table) and an optional alert to cardholder or rejected to acquirer (as indicated in next table) and an optional
alert to cardholder.
Issuers that participate in inControl must perform online integrated testing with MasterCard.
Table 1.53—Table 0902201—Issuer Debit MasterCard—MSR Product and Services—MasterCard inControl Real Card Spend Control
Case DE DE DE 61
MSR PURCHASE
0100 090220100001 1 1 SIGNATURE 00 90 0 RCN_101-109 00

1
Passes spend controls
DE 48, SE 71 = 20Vb (inControl RCN Spend Control Service - Valid)
MSR PURCHASE
0100 090220100002 1 1 SIGNATURE 00 90 0 RCN_100 00
2
Unable to process spend controls
DE 48, SE 71 = 20Ub (inControl RCN Spend Control Service - Unable to process)
MSR PURCHASE
0100 090220100003 1 1 SIGNATURE 00 90 0 RCN_115 00
3
Fails validity period limit controls and alert sent
DE 48, SE 71 = 20Db (inControl RCN Spend Control Service - inControl Validity Period Limit)
Case DE DE DE 61
MSR PURCHASE
0100 090220100004 1 1 SIGNATURE 00 90 0 RCN_116 00
4
Fails transaction amount limit controls and alert sent
DE 48, SE 71 = 20Eb (inControl RCN Spend Control Service - inControl Transaction Amount Limit Check)
MSR PURCHASE
0100 090220100005 1 1 SIGNATURE 00 90 0 RCN_113 00
Fails transaction cumulative amount limit controls and alert sent
5 DE 48, SE 71 = 20Fb (inControl RCN Spend Control Service - inControl Cumulative Amount Limit Check)
NOTE
Transaction may need to be re-executed until cumulative amount limit is exceeded
MSR PURCHASE

0100 090220100006 1 1 SIGNATURE 00 90 0 RCN_117 00
Fails transaction number usage controls and alert sent
6 DE 48, SE 71 = 20Gb (inControl RCN Spend Control Service - inControl Transaction Number Usage)
NOTE

Transaction may need to be re-executed until number usage control is exceeded
MSR PURCHASE
0100 090220100007 1 1 SIGNATURE 00 90 0 RCN_118 00
7
Fails merchant ID limit controls and alert sent
DE 48, SE 71 = 20Hb (inControl RCN Spend Control Service - inControl Merchant ID Limit)
MSR PURCHASE
0100 090220100008 1 1 SIGNATURE 00 90 0 RCN_119 00
8
Fails MCC limit controls and alert sent
DE 48, SE 71 = 20Jb (inControl RCN Spend Control Service - inControl MCC Limit)
1-123
1-124

Case DE DE DE 61
MSR PURCHASE
0100 090220100009 1 1 SIGNATURE 00 90 0 RCN_111 00
9
Fails geographic restriction controls and alert sent
DE 48, SE 71 = 20Lb (inControl RCN Spend Control Service - inControl Geographic Restriction)
MSR PURCHASE
0100 090220100010 1 1 SIGNATURE 00 90 0 RCN_112 00
10
Fails transaction type restriction controls and alert sent
DE 48, SE 71 = 20Mb (inControl RCN Spend Control Service - inControl Transaction Type Restriction)
MSR PURCHASE
0100 090220100011 1 1 SIGNATURE 00 90 0 RCN_114 00
11
Fails transaction time/date restriction controls and alert sent
DE 48, SE 71 = 20Pb (inControl RCN Spend Control Service - inControl Transaction Time/Date Restriction)

Card Spend Control Service—Authorization Advices (System-generated)
The following test cases will test whether an issuer's MasterCard—inControl Real Card Spend Control Service
Dual Message authorization application can receive and process Authorization Advices for transactions
rejected by inControl Real Card Spend Control Service for the reasons indicated in DE 48, subelement 71
(On-behalf Services), and return correctly formatted Authorization Responses.
The following system-generated Authorization Advices are preceded by Authorization Requests that were
rejected by inControl due to failing cardholder specified restrictions and cardholder requesting a decline
with an alert.
Case DE DE DE 61

MSR PURCHASE
0120 090220200001 1 1 SIGNATURE 00 90 0 RCN_125 00
1
DE 39 = 54 (Expired card)

DE 60 = 2000063 (inControl - Reject: Validity Period Limit)
MSR PURCHASE
0120 090220200002 1 1 SIGNATURE 00 90 0 RCN_126 00
2
DE 39 = 51 (Insufficient Funds)
DE 60 = 2000064 (inControl - Reject: Transaction Amount Limit Check)
1-125
1-126

Case DE DE DE 61
MSR PURCHASE
0120 090220200003 1 1 SIGNATURE 00 90 0 RCN_123 00
3
DE 39 = 51 (Insufficient funds)
DE 48, SE 71 = 20Fb (inControl RCN Spend Control Service - inControl Cumulative Amount Limit Check)
DE 60 = 2000065 (inControl - Reject: Cumulative Amount Limit Check)
MSR PURCHASE
0120 090220200004 1 1 SIGNATURE 00 90 0 RCN_127 00
4
DE 48, SE 71 = 20Gb (inControl RCN Spend Control Service - inControl Transaction Number Usage)
DE 60 = 2000066 (inControl - Reject: Transaction Number Usage)
MSR PURCHASE
0120 090220200005 1 1 SIGNATURE 00 90 0 RCN_128 00

5
DE 60 = 2000067 (inControl - Reject: Merchant ID Limit)
MSR PURCHASE
0120 090220200006 1 1 SIGNATURE 00 90 0 RCN_129 00
6
DE 60 = 2000069 (inControl - Reject: MCC Limit)
Case DE DE DE 61
MSR PURCHASE
0120 090220200007 1 1 SIGNATURE 00 90 0 RCN_121 00
7
DE 60 = 2000072 (inControl - Reject: Geographic Restriction)
MSR PURCHASE
0120 090220200008 1 1 SIGNATURE 00 90 0 RCN_122 00
8
DE 60 = 2000073 (inControl - Reject: Transaction Type Restriction)

MSR PURCHASE
0120 090220200009 1 1 SIGNATURE 00 90 0 RCN_124 00
9

DE 60 = 2000075 (inControl - Reject: Transaction Time/Date Restriction)
1-127
1-128

Card Spend Control ServiceAuthorization Advices (Acquirer-generated)
The following test cases will test whether an issuer's MasterCard—inControl Real Card Spend Control
Service issuer Dual Message authorization application can receive and process Authorization Advices
(Acquirer-generated) for the reasons indicated in DE 48, subelement 71 (On-behalf Services), and return
correctly formatted Authorization Responses. The inControl results are successfully processed or unable
to process.
ServiceAuthorization Advices (Acquirer-generated)
Case DE DE DE 61
MSR PURCHASE
0120 090220300001 1 1 SIGNATURE 00 90 0 RCN_101-109 00
1 Passes spend controls


MSR PURCHASE
0120 090220300002 1 1 SIGNATURE 00 90 0 RCN_100 00
2 Unable to process spend controls
0902210—Issuer Debit MasterCard—MSR Product and Services—MasterCard inControl Virtual

Card ServiceAuthorization Requests and Reversals
The following test cases will test whether an issuer's MasterCard—inControl Virtual Card Service issuer Dual
Message authorization application can receive and process Authorization Requests and Reversals that contain
DE 48, subelement 71 (On-behalf Services), indicating the inControl results as well as DE 48, subelement
33 (PAN Mapping File Information), and return correctly formatted Authorization Responses. The inControl
results are pass or fail and each fail triggers an alert to the cardholder.
Table 1.56—Table 0902210—Issuer Debit MasterCard—MSR Product and Services—MasterCard inControl Virtual Card
ServiceAuthorization Requests and Reversals
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE

0100 090221000001 1 1 NO CVM 00 81 6 VCN_201 00
1 0400 1 1 DE 39 = 00 00
Virtual card number successfully mapped and has no spend controls
DE 48, SE 71 = 17Vb (inControl VCN with Spend Control Service Valid)

ELECTRONIC
COMMERCE PURCHASE
0100 090221000002 1 1 NO CVM 00 81 6 VCN_211-219 00
2
Virtual card number successfully mapped and has passed spend controls
ELECTRONIC
COMMERCE PURCHASE
0100 090221000003 1 1 NO CVM 00 81 6 VCN_209 00
3
Unable to perform inControl services
DE 48, SE 71 = 17Ub (inControl VCN with Spend Control Service Unable to process)
1-129
1-130

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0100 090221000004 1 1 NO CVM 00 81 6 VCN_241 00
4
Virtual card number successfully mapped, fails validity period limit controls and alert sent
DE 48, SE 71 = 17Db (inControl VCN with Spend Control Service inControl Validity Period Limit)
ELECTRONIC
COMMERCE PURCHASE
0100 090221000005 1 1 NO CVM 00 81 6 VCN_242 00
5
Virtual card number successfully mapped, fails transaction amount limit controls and alert sent
DE 48, SE 71 = 17Eb (inControl VCN with Spend Control Service inControl Transaction Amount Limit Check)
ELECTRONIC
COMMERCE PURCHASE
0100 090221000006 1 1 NO CVM 00 81 6 VCN_243 00
Virtual card number successfully mapped, fails cumulative amount limit controls and alert sent
6
DE 48, SE 71 = 17Fb (inControl VCN with Spend Control Service inControl Cumulative Amount Limit Check)
NOTE
ELECTRONIC
COMMERCE PURCHASE
0100 090221000007 1 1 NO CVM 00 81 6 VCN_244 00
7 Virtual card number successfully mapped, fails transaction number usage controls and alert sent
DE 48, SE 71 = 17Gb (inControl VCN with Spend Control Service inControl Transaction Number Usage)
NOTE
Transaction may need to be re-executed until transaction number usage is exceeded
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0100 090221000008 1 1 NO CVM 00 81 6 VCN_245 00
8
Virtual card number successfully mapped, fails merchant ID limit controls and alert sent
DE 48, SE 71 = 17Hb (inControl VCN with Spend Control Service inControl Merchant ID Limit)
ELECTRONIC
COMMERCE PURCHASE
0100 090221000009 1 1 NO CVM 00 81 6 VCN_246 00
9
Virtual card number successfully mapped, fails MCC limit controls and alert sent
DE 48, SE 71 = 17Jb (inControl VCN with Spend Control Service inControl MCC Limit)
ELECTRONIC
COMMERCE PURCHASE
0100 090221000010 1 1 NO CVM 00 81 6 VCN_247 00

10
Virtual card number successfully mapped, fails geographic restriction controls and alert sent
DE 48, SE 71 = 17Lb (inControl VCN with Spend Control Service inControl Geographic Restriction)
ELECTRONIC

COMMERCE PURCHASE
0100 090221000011 1 1 NO CVM 00 81 6 VCN_248 00
11
Virtual card number successfully mapped, fails transaction type restriction controls and alert sent
DE 48, SE 71 = 17Mb (inControl VCN with Spend Control Service inControl Transaction Type Restriction)
ELECTRONIC
COMMERCE PURCHASE
0100 090221000012 1 1 NO CVM 00 81 6 VCN_249 00
12
Virtual card number successfully mapped, fails transaction time/date restriction controls and alert sent
DE 48, SE 71 = 17Pb (inControl VCN with Spend Control Service inControl Transaction Time/Date Restriction)
1-131
1-132

Card ServiceAuthorization Advices (Acquirer-generated)
Authorization Advices (Acquirer-generated) that contain DE 48, subelement 71 (On-behalf Services) indicating
the inControl results as well as DE 48, subelement 33 (PAN Mapping File Information), and return correctly
formatted Authorization Responses. The inControl results are pass or fail, and each fail triggers an alert
to the cardholder.
ServiceAuthorization Advices (Acquirer-generated)
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0120 090221100001 1 1 NO CVM 00 81 6 VCN_201 00

1

ELECTRONIC
COMMERCE PURCHASE
0120 090221100002 1 1 NO CVM 00 81 6 VCN_211-219 00
2
ELECTRONIC
COMMERCE PURCHASE
0120 090221100003 1 1 NO CVM 00 81 6 VCN_209 00
3
DE 48, SE 71 = 17Ub (inControl VCN with Spend Control Service Unable to process)

Card ServceAuthorization Advices (System-generated)
Authorization Advices (System-generated) containing DE 48, subelement 71 (On-behalf Services) indicating the
inControl results, as well as DE 48, subelement 33 (PAN Mapping Information), and return correctly formatted
Authorization Responses. The inControl results are pass or fail, and each fail triggers an alert to the cardholder.
The following system-generated Authorization Advices are preceded by Authorization Requests that were
rejected by inControl due to failing cardholder-specific restrictions and cardholder requesting a decline
with an alert.
ServceAuthorization Advices (System-generated)
Case DE DE DE 61

ELECTRONIC
COMMERCE PURCHASE
0120 090221200001 1 1 NO CVM 00 81 6 VCN_205 00
1 Virtual card number successfully mapped but expiration date does not match

DE 48, SE 71 = 17Ab (inControl VCN with Spend Control Service VCN expiration date does not match)
DE 60 = 2000060 (inControl - Reject: VCN expiration date does not match)
ELECTRONIC
COMMERCE PURCHASE
0120 090221200002 1 1 NO CVM 00 81 6 VCN_206 00
2 Virtual card number successfully mapped but expiration date expired
DE 48, SE 71 = 17Bb (inControl VCN with Spend Control Service VCN expiration date expired)
DE 60 = 2000061 (inControl - Reject: VCN expiration date expired)
1-133
1-134

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0120 090221200003 1 1 NO CVM 00 81 6 VCN_207 00
3 Virtual card number successfully mapped but CVC 2 does not match
DE 48, SE 71 = 17Cb (inControl VCN with Spend Control Service Virtual CVC 2 does not match)
DE 60 = 2000062 (inControl - Reject: Virtual CVC 2 does not match)
ELECTRONIC
COMMERCE PURCHASE
0120 090221200004 1 1 NO CVM 00 81 6 VCN_231 00
4 Virtual card number successfully mapped, fails validity period limit controls and alert sent
DE 48, SE 71 = 17Db (inControl VCN with Spend Control Service inControl Validity Period Limit)

ELECTRONIC
COMMERCE PURCHASE
0120 090221200005 1 1 NO CVM 00 81 6 VCN_232 00
5 Virtual card number successfully mapped, fails transaction amount limit controls and alert sent
DE 48, SE 71 = 17Eb (inControl VCN with Spend Control Service inControl Transaction Amount Limit Check)
ELECTRONIC
COMMERCE PURCHASE
0120 090221200006 1 1 NO CVM 00 81 6 VCN_233 00
6 Virtual card number successfully mapped, fails cumulative amount limit controls and alert sent
DE 48, SE 71 = 17Fb (inControl VCN with Spend Control Service inControl Cumulative Amount Limit Check)
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0120 090221200007 1 1 NO CVM 00 81 6 VCN_234 00
DE 48, SE 71 = 17Gb (inControl VCN with Spend Control Service inControl Transaction Number Usage)
ELECTRONIC
COMMERCE PURCHASE
0120 090221200008 1 1 NO CVM 00 81 6 VCN_235 00
8 Virtual card number successfully mapped, fails merchant ID limit controls and alert sent
DE 48, SE 71 = 17Hb (inControl VCN with Spend Control Service inControl Merchant ID Limit)

ELECTRONIC
COMMERCE PURCHASE
0120 090221200009 1 1 NO CVM 00 81 6 VCN_236 00

9 Virtual card number successfully mapped, fails MCC limit controls and alert sent
DE 48, SE 71 = 17Jb (inControl VCN with Spend Control Service inControl MCC Limit)
ELECTRONIC
COMMERCE PURCHASE
0120 090221200010 1 1 NO CVM 00 81 6 VCN_237 00
10 Virtual card number successfully mapped, fails geographic restriction controls and alert sent
DE 48, SE 71 = 17Lb (inControl VCN with Spend Control Service inControl Geographic Restriction)
1-135
1-136

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0120 090221200011 1 1 NO CVM 00 81 6 VCN_238 00
11 Virtual card number successfully mapped, fails transaction type restriction controls and alert sent
DE 48, SE 71 = 17Mb (inControl VCN with Spend Control Service inControl Transaction Type Restriction)
ELECTRONIC
COMMERCE PURCHASE
0120 090221200012 1 1 NO CVM 00 81 6 VCN_239 00
12 Virtual card number successfully mapped but fails transaction time/date restriction controls and alert sent
DE 48, SE 71 = 17Pb (inControl VCN with Spend Control Service inControl Transaction Time/Date Restriction)

ELECTRONIC
COMMERCE PURCHASE
0120 090221200013 1 1 NO CVM 00 81 6 VCN_210 00
13 Invalid virtual card number to real card number mapping relationship
DE 39 = 14 (Invalid card number)
DE 48, SE 71 = 17Ib (inControl VCN with Spend Control Service inControl invalid VCN-RCN mapping relationship)
DE 60 = 2000068 (inControl - Reject: Invalid VCN-RCN Mapping Relationship)
0902301—Issuer Debit MasterCard—MSR Product and Services—MasterCard Hosted Mobile

Phone Top-up ATM Transactions—Authorization Requests
and process MasterCard Hosted Mobile Phone Top-Up ATM transaction Authorization Requests and return
correctly formatted Authorization Responses.
NOTE
These test cases apply only to issuers in the Europe region.
Table 1.59—Table 0902301—Issuer Debit MasterCard—MSR Product and Services—MasterCard Hosted Mobile Phone Top-up ATM
Case DE DE DE 61
MSR CAT LEVEL 1 ATM
0100 090230100001 1 N/A PURCHASE ONLINE PIN 00 90 1 V 001-010 00

DE 12, DE 13, DE 43 and DE 52 Mandatory
DE 18 = 4814 (Telecommunication services)
1
DE 48 TCC = Z (ATM)
DE 48, SE 13 (Mobile phone top-up request data)
NOTE: DE 48, SE 13 need not be returned in 0110 but if it is returned it must be same value as in 0100.

If not same value, then will reject issuer 0110 via a 0190 containing DE 39 = 30 and DE 44 = 048.
1-137
1-138

0902501—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring Real-time
Fraud Scoring Service—Authorization Requests
process DE 48, subelement 75 (Fraud Scoring Data) and DE 48, subelement 71, values 18C (EMS Fraud Scoring
Service was performed successfully) and 18U (EMS Fraud Scoring Service was not performed successfully) in
Authorization Requests and return correctly formatted Authorization Responses.
Table 1.60—Table 0902501—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring Real-time Fraud Scoring
Case DE DE DE 61
MSR PURCHASE
0100 090250100001 1 1 SIGNATURE 00 90 0 001-010 00
Fraud Scoring Service only
1
DE 48, SE 71 = 18Cb (Expert Monitoring Fraud Scoring Service performed successfully)
DE 48, SE 75, SF 1 (Fraud Score) is present

DE 48, SE 75, SF 2 (Score Reason Code) is present

MSR PURCHASE
0100 090250100006 1 1 SIGNATURE 00 90 0 001-010 00
2
Fraud Scoring Service with or without optional Fraud Rule Manager Service
DE 48, SE 71 = 18Ub (Expert Monitoring Fraud Scoring Service was not performed successfully).
MSR PURCHASE
0100 090250100004 1 1 SIGNATURE 00 90 0 001-010 00
Fraud Scoring Service with optional Fraud Rule Manager Service
3 DE 48, SE 75, SF 1 (Fraud score) is present
DE 48, SE 75, SF 2 (Score Reason code) is present
DE 48, SE 75, SF 3 (Rule Adjusted Score) is present
DE 48, SE 75, SF 4 (Rule reason code 1) is present
0902502—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring Fraud

Scoring Service with Fraud Rule Manager Service—Authorization Requests
process DE 48, subelement 75 (Fraud Scoring Data) and DE 48, subelement 71, values 18C (EMS Fraud Scoring
Service was performed successfully) and 18U (EMS Fraud Scoring Service was not performed successfully) in
Authorization Requests and return correctly formatted Authorization Responses.
Table 1.61—Table 0902502—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring Fraud Scoring Service
with Fraud Rule Manager Service—Authorization Requests
Case DE DE DE 61
MSR PURCHASE
0100 090250200001 1 1 SIGNATURE 00 90 0 001-010 00
DE 48, SE 71 = 18Cb (Completed)

DE 48, SE 75, SF 2 (Score reason code) is present
DE 48, SE 75, SF 3 (Rule adjusted score) is present

MSR PURCHASE
0100 090250200002 1 1 SIGNATURE 00 90 0 001-010 00
2
DE 48, SE 71 = 18Ub (Expert Monitoring Fraud Scoring Service was not performed successfully).
1-139
1-140

Compromised Account Service—Authorization Requests
in Expert Monitoring Compromised Account Service can receive and process Authorization Requests that
contain Expert Monitoring Compromised Account Service results and return correctly formatted Authorization
Responses that do not contain DE 48, subelement 39 (Expert Monitoring Compromised Account Service
Information), or subelement 71 (On-behalf Services).
Table 1.62—Table 0902701—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring Compromised Account
Case DE DE DE 61
MSR PURCHASE
0100 090270100001 1 1 SIGNATURE 00 90 0 001-010 00
1
DE 48, SE 71 = 25Yb (Compromised event data found)
DE 48, SE 39 contains compromised account service information

MSR PURCHASE
0100 090270100002 1 1 SIGNATURE 00 90 0 001-010 00
2
DE 48, SE 71 = 25Nb (Compromised event data not found
DE 48, SE 39 not present
MSR PURCHASE
0100 090270100003 1 1 SIGNATURE 00 90 0 001-010 00
3
DE 48, SE 71 = 25Ub (unable to process)

Compromised Account Service—Authorization Advices (System-generated)
in Expert Monitoring Compromised Account Service can receive and process approved Authorization
Requests that contain Expert Monitoring Compromised Account Service results and return correctly formatted
Authorization Responses that do not contain DE 48, subelement 39 (Expert Monitoring Compromised Account
Service Information), or subelement 71 (On-behalf Services).
Case DE DE DE 61
MSR PURCHASE
0120 902702000010 1 1 SIGNATURE 00 90 0 001-010 00
1
DE 48, SE 71 = 25Yb (Compromised event data found)

MSR PURCHASE
0120 090270200002 1 1 SIGNATURE 00 90 0 001-010 00
2
DE 48, SE 71 = 25Nb (Compromised event data found)

1-141
1-142

0902801—Issuer Debit MasterCard—MSR Product and Services—PIN Management—Au-
thorization and Reversal Requests
and process magnetic stripe ATM PIN Change transactions identified in Authorization Requests and return
correctly formatted Authorization Responses that contain an appropriate response code for a PIN Management
transaction.
Table 1.64—Table 0902801—Issuer Debit MasterCard—MSR Product and Services—PIN Management—Authorization and Reversal
Requests
Case DE DE DE 61
MSR ATM PIN CHANGE
1 0100 090280100001 1 N/A ONLINE PIN 92 02 0 V 001-010 85
DE 125 (New PIN Data) present
MSR ATM PIN CHANGE
0100 090280100003 1 N/A ONLINE PIN 92 90 0 V 001-010

2
0400 1 N/A DE 39 = null 17
MSR ATM PIN CHANGE
3 0100 090280100005 1 N/A ONLINE PIN 92 90 0 V 032 71
DE 125 (New PIN Data) present and PIN not changed response
MSR ATM PIN CHANGE
4 0100 090280100007 1 N/A ONLINE PIN 92 90 0 V 033 89
DE 125 (New PIN Data) present and unacceptable PIN response
MSR ATM PIN CHANGE
5 0100 090280100008 1 N/A ONLINE PIN 92 90 0 V 021 57
DE 125 (New PIN Data) present and transaction not permitted response
0902901—Issuer Debit MasterCard—MSR Product and Services—Funding Transactions at the

ATM—Authorization and Reversal Requests
process Funding Transactions (excluding MasterCard—MoneySend™) identified in Authorization Requests and
Table 1.65—Table 0902901—Issuer Debit MasterCard—MSR Product and Services—Funding Transactions at the ATM—Authorization
Case DE DE DE 61
MSR CAT LEVEL 1 ATM
0400 1 N/A DE 39 = 00 00
1
This transaction is currently setup for Argentina intracountry. The currency and country information will need to be
changed for any other intracountry transaction.

DE 18 = 6540 (POI funding transactions [Excluding MasterCard MoneySend])
DE 124 containing bill payment information
MSR CAT LEVEL 2

2 This transaction is currently setup for Argentina intracountry. The currency and country information will need to be
DE 18 = 6540 (POI funding transactions [Excluding MasterCard MoneySend])
DE 124 containing bill payment information
1-143
1-144

0902902—Issuer Debit MasterCard—MSR Product and Services—Bill Payment at the ATM
(Europe Region)—Authorization and Reversal Requests
and process Bill Payment transactions at the ATM in Authorization Requests and return correctly formatted
Table 1.66—Table 0902902—Issuer Debit MasterCard—MSR Product and Services—Bill Payment at the ATM (Europe
Region)—Authorization and Reversal Requests
Case DE DE DE 61
MSR CAT LEVEL 1
0400 1 N/A DE 39 = 00 00
1 This transaction is currently setup for Belgium intracountry. The currency and country information will need to be
DE 18 = 6050 (Quasi Cash - Customer Financial Institution)

DE 48 (TCC) = U (Unique)
DE 124 containing bill payment information (Optional)
MSR CAT LEVEL 1
This transaction is currently setup for Belgium intracountry. The currency and country information will need to be
2 changed for any other intracountry transaction.
DE 18 = 4900 (Utilities: Electric, Gas, Heating Oil, Sanitary, Water)
MSR CAT LEVEL 1
This transaction is currently setup for Belgium intracountry. The currency and country information will need to be
3 changed for any other intracountry transaction.
DE 18 = 6051 (Quasi Cash - Customer Financial Institution Merchant)
0903001—Issuer Debit MasterCard—MSR Product and Services—Third Party Processor

Identification Program—Authorization Requests and Advices
process DE 48, subelement 16 (Processor Pseudo ICA) in Authorization Requests and Advices and return
Table 1.67—Table 0903001—Issuer Debit MasterCard—MSR Product and Services—Third Party Processor Identification
Program—Authorization Requests and Advices
Case DE DE DE 61
MSR PURCHASE
1 0100 090300100001 1 1 SIGNATURE 00 90 0 001-010 00
DE 48, SE 16 = Processor pseudo ICA

MSR PURCHASE
0120 090300100002 1 1 SIGNATURE 00 90 0 001-010 00

2
DE 48, SE 16 = Processor pseudo ICA

1-145
1-146

Rewards Service—Authorization Requests
process Pay with Rewards Service transactions in Authorization Requests and return correctly formatted
Issuers must register redemption cards into the MasterCard Pay with Rewards Service.
MasterCard with perform dynamic account mapping in real-time during authorization processing to route
transactions to the appropriate funding source.
Table 1.68—Table 0903201—Issuer Debit MasterCard—MSR Product and Services—MasterCard Pay with Rewards
Case DE DE DE 61
MSR PURCHASE
0100 090320100001 1 1 SIGNATURE 00 90 0 001-010 00
DE 2 = Funding card
1 DE 14 (Expiration date of funding card)
DE 48, SE 33 (PAN Mapping file information), SF 1 (Account number indicator) = R (Pay with Rewards card), SF 2
(Account number), SF 3 (Expiration date), SF 4 (Product code if provided)
DE 48, SE 71, SF 1 = 27 (Pay with Rewards Service), SF 2 = L (Pay with Rewards transaction funded using consumer
loyalty points)

Rewards Service—Authorization Advices (System-generated)
process Authorization Advices and return correctly formatted Authorization Responses that contain Pay with
Rewards Service required data.
Table 1.69—Table 0903202—Issuer Debit MasterCard—MSR Product and Services—MasterCard Pay with Rewards
Case DE DE DE 61
MSR PURCHASE
0120 090320200001 1 1 SIGNATURE 00 90 0 001-010 00
Processed by Stand-In on issuer's behalf
1 DE 2 = Funding card

DE 48, SE 33 (PAN Mapping file information); SF 1 (Account number indicator) = R (Pay with Rewards card), SF 2
(Account number), SF 3 (Expiration data), SF 4 (Product code, if provided)
DE 48, SE 71, SF 1 = 27 (Pay with Rewards Service), SF 2 = L (Pay with Rewards transaction funded using consumer
loyalty points)
DE 60 = 1010000 (IPS signed out; accept)

MSR PURCHASE
0120 090320200002 1 1 SIGNATURE 00 90 0 001-010 00
Transaction rejected by MasterCard Rewards System
2 DE 2 = Pay with Rewards card
DE 48, SE 71, SF 1 = 27 (Pay with Rewards Service), SF 2 = R (Pay with Rewards transaction declined on issuer's
behalf for failing rules/restrictions)
DE 60, SF 1 = 126 (Pay with Rewards processing advice to issuer), SF 2 = 0121 (Reject: Pay with Rewards - Redemption
rule(s) failed)
DE 121 = 000004 (MasterCard Rewards System)
1-147
1-148

Case DE DE DE 61
MSR PURCHASE
0120 090320200003 1 1 SIGNATURE 00 90 0 001-010 00
DE 2 = Pay with Rewards card
DE 48, SE 71, SF 1 = 27 (Pay with Rewards Service), SF 2 = N (Pay with Rewards transaction decline - card not registered
for service)
DE 60, SF1 = 126 (Pay with Rewards processing advice to issuer), SF 2 = 0123 (Reject: Pay with Rewards - account
not registered)
MSR PURCHASE
0120 090320200004 1 1 SIGNATURE 00 90 0 001-010 00

4 DE 2 = Pay with Rewards

DE 48, SE 71, SF 1 = 27 (Pay with Rewards Service), SF 2 = I (Pay with Rewards transaction decline on issuer's behalf for
insufficient points balance)
DE 60, SF 1 = 126 (Pay with Rewards processing advice to issuer), SF 2 = 0120 (Reject: Pay with Rewards - insufficient
points balance)
MSR PURCHASE
0120 090320200005 1 1 SIGNATURE 00 90 0 001-010 00
DE 39 = 96 (System error)
5 DE 2 = Pay with Rewards
DE 48, SE 71, SF 1 = 27 (Pay with Rewards Service), SF 2 = U (Pay with Rewards Service was not performed successfully)
DE 60, SF 1 = 126 (Pay with Rewards processing advice to issuer), SF 2 = 0122 (Decline: Pay with Rewards Service
was not performed successfully)
0903701—Issuer Debit MasterCard—MSR Product and Services—Account Status Inquiry

The following test cases will test whether an issuer's Dual Message authorization application is able to receive
Account Status Inquiry Service transactions including optional AVS request and/or CVC 2 in the Authorization
Requests and return the resulting correctly formatted Authorization Response information including DE 39
(Response Code), as well as any AVS and/or CVC 2 response.
Table 1.70—Table 0903701—Issuer Debit MasterCard—MSR Product and Services—Account Status Inquiry Service—Authorization
Requests
Case DE DE DE 61
MANUAL ENTRY
0100 090370100001 1 1 PURCHASE NO CVM 00 01 0 500, 515 V
Account status inquiry only
1 DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount, Transaction) contains a value equal to zero

NOTE
Issuers have the option to use 85 (Not declined) or 05 (Do not honor) in DE 39
MANUAL ENTRY
0100 090370100002 1 1 PURCHASE NO CVM 00 01 0 050, 502 V

Account status inquiry with AVS request
DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount, Transaction) contains a value equal to zero
2 DE 48, SE 82 = 52 (AVS and Authorization Request)
NOTE
1-149
1-150

Case DE DE DE 61
MANUAL ENTRY
0100 090370100003 1 1 PURCHASE NO CVM 00 01 0 051, 503 V
NOTE
MANUAL ENTRY
0100 090370100004 1 1 PURCHASE NO CVM 00 01 0 052, 504 V

NOTE
MANUAL ENTRY
0100 090370100005 1 1 PURCHASE NO CVM 00 01 0 077, 512 V
0110: DE 48, SE 83 = S (AVS currently not supported)
NOTE
Case DE DE DE 61
MANUAL ENTRY
0100 090370100006 1 1 PURCHASE NO CVM 00 01 0 053, 505 V
NOTE
MANUAL ENTRY
0100 090370100007 1 1 PURCHASE NO CVM 00 01 0 054, 506 V

0110: DE 48, SE 83 = W (Postal code matches, address does not)
NOTE

MANUAL ENTRY
0100 090370100008 1 1 PURCHASE NO CVM 00 01 0 055, 507 V
0110: DE 48, SE 83 = X (Postal code and address match)
NOTE
1-151
1-152

Case DE DE DE 61
MANUAL ENTRY
0100 090370100009 1 1 PURCHASE NO CVM 00 01 0 056, 508 V
0110: DE 48, SE 83 = Y (Valid U.S. 5-digit zip code and address match)
NOTE
MANUAL ENTRY
0100 090370100010 1 1 PURCHASE NO CVM 00 01 0 057, 509 V

0110: DE 48, SE 83 = Z (Valid U.S. 5-digit zip code and address does not match)
NOTE
MANUAL ENTRY
0100 090370100011 1 1 PURCHASE NO CVM 00 01 0 078, 513 V
Account status inquiry with AVS request and CVC 2 verification request
DE 48, SE 82 = 52 (AVS and Authorization Request)
11 DE 48, SE 92 = CVC 2 value
0110: DE 48, SE 83 = Y (Valid U.S. 5-digit zip code and address match)
0110: DE 48, SE 87 = M (Valid CVC 2)
NOTE
Case DE DE DE 61
MANUAL ENTRY
0100 090370100012 1 1 PURCHASE NO CVM 00 01 0 079, 514 V
DE 48, SE 82 = 52 (AVS and Authorization Request)
0110: DE 48, SE 87 = N (Invalid CVC 2)
NOTE
MANUAL ENTRY
0100 090370100013 1 1 PURCHASE NO CVM 00 01 0 074, 511 V

Account status inquiry with CVC 2 request
0110: DE 48, SE 87 = M (Valid CVC 2)

NOTE
MANUAL ENTRY
0100 090370100014 1 1 PURCHASE NO CVM 00 01 0 071, 510 V
NOTE
1-153
1-154

Case DE DE DE 61
MSR PURCHASE
0100 090370100015 1 1 SIGNATURE 00 90 0 501, 516 V
15 DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount, Transaction) contains a value equal to zero
NOTE
MANUAL ENTRY
PAYMENT
0100 090370100021 1 1 TRANSACTION NO CVM 28 01 0 001-010 V
Account Status Inquiry for a Payment Transaction
16 DE 3, SF 1 = 28 (Payment Transaction) and DE 4 = zero amount
DE 18 = MCC 6533 (Payment Transaction—Merchant) or MCC 6532 (Payment Transaction—Customer Financial Institution)
or any other valid value for the payment transaction type

DE 48, SE 77 contains any valid value except C07 (MasterCard MoneySend)

DE 61, SF 7 = 8 (Account Status Inquiry Service)
MANUAL ENTRY
PAYMENT
17 DE 3, SF 1 = 28 (Payment Transaction) and DE 4 = non-zero amount
Case DE DE DE 61
MANUAL ENTRY
PAYMENT
Account Status Inquiry for a MoneySend Payment Transaction
18 DE 3, SF 1 = 28 (Payment Transaction) and DE 4 = zero amount; and DE 14 (Expiration Date) not present
DE 124 contains sender's name and address
MANUAL ENTRY
PAYMENT

19 DE 3, SF 1 = 28 (Payment Transaction; DE 4 = non-zero amount; and DE 14 (Expiration Date) not present

DE 124 contains sender's name and address
1-155
1-156

Payments—Authorization and Reversal Requests
Test cases 1-11 will test whether an issuer's Dual Message authorization application that is participating in the
optional Mobile Remote Payments Program is able to receive Authorization Requests containing DE 22, SF
1 = 82 (PAN Auto Entry via Server), DE 48, SE 48, SF 1 = 1 (Issuer Domain) and applicable SF 3 and/or 4,
process them, and send properly formatted Authorization Responses.
Test cases 12-13 will test whether an issuer's Dual Message authorization application can receive the optional
DE 22, subfield 1 = 82 for transactions that are not part of the optional Mobile Remote Payments Program.
Test cases 14-22 will test whether an issuer's Dual Message authorization application that is participating in the
optional Mobile Remote Payments Program is able to receive Authorization Requests containing DE 22, SF 1 =
82 (PAN Auto Entry via Server), DE 48, SE 48, SF 1 = 2 (Acquirer Domain) and applicable SF 3 and/or 4,
process them, and send properly formatted Authorization Responses.
Table 1.71—Table 0903901—Issuer Debit MasterCard—MSR Product and Services—Mobile Remote Payments—Authorization
Case DE DE DE 61
SERVER PURCHASE
0100 090390100001 1 1 ONLINE PIN 00 82 6 V 001-010 00
1
Mobile-initiated purchase via issuer domain with online PIN validation
DE 48, SE 48, SF 1 = 1 (Issuer domain)
SERVER PURCHASE
0100 090390100002 1 1 ONLINE PIN 00 82 6 V 001-010 00
2 Mobile-initiated purchase via issuer domain with online PIN validation
DE 48, SE 48, SF 1 = 1 (Issuer domain), SF 3 contains Customer mobile phone number, SF 4 contains customer
convenience fee data
SERVER PURCHASE
0100 090390100003 1 1 ONLINE PIN 00 82 6 V 001-010 00
3
DE 48, SE 48, SF 1 = 1 (Issuer domain) and SF 3 contains Customer mobile phone number
Case DE DE DE 61
SERVER PURCHASE
0100 090390100004 1 1 ONLINE PIN 00 82 6 V 001-010 00
4
DE 48, SE 48, SF 1 = 1 (Issuer domain) and SF 4 contains customer convenience fee data
SERVER PURCHASE
0100 090390100005 1 1 NO CVM 00 82 6 001-010 00
5
Mobile-initiated purchase via issuer domain with Accountholder Authentication Value (AAV) authentication.
SERVER PURCHASE
0100 090390100006 1 1 ONLINE PIN 00 82 6 V 001-010 00
6
Mobile-initiated mobile phone top-up purchase via issuer domain with PIN authentication.

SERVER PURCHASE
0100 090390100007 1 1 NO CVM 00 82 6 001-010 00
7 Mobile-initiated mobile phone top-up purchase via issuer domain with Accountholder Authentication Value (AAV)
authentication.

SERVER PAYMENT
TRANSACTION ONLINE
0100 090390100008 1 1 PIN 28 82 6 V 001-010 00
8
Mobile-initiated payment transaction via issuer domain with PIN authentication.
SERVER PAYMENT
9
Mobile-initiated payment transaction via issuer domain with Accountholder Authentication Value (AAV) authentication.
1-157
1-158

Case DE DE DE 61
SERVER BALANCE
0100 090390100010 1 1 INQUIRY ONLINE PIN 30 82 6 V 001-010 00
10
Mobile-initiated balance inquiry via issuer domain with PIN authentication.
SERVER BALANCE
0100 090390100011 1 1 INQUIRY NO CVM 30 82 6 001-010 00
11
Mobile-initiated balance inquiry via issuer domain with Accountholder Authentication Value (AAV) authentication.
SERVER ELECTRONIC
COMMERCE PURCHASE
0100 090390100012 1 1 NO CVM 00 82 6 001-010 00
12 0400 1 1 DE 39 = 17 00
Server electronic commerce purchase and UCAF not supported.

0400: Full reversal - customer cancellation.

SERVER MO/TO
0100 090390100013 1 1 PURCHASE NO CVM 00 82 0 001-010 00
13 0400 1 1 DE 39 = 17 00
Server phone order purchase.
0400: Full reversal - customer cancellation.
SERVER PURCHASE
0100 090390100014 1 1 NO CVM 00 82 6 001-010 00
14
Mobile-initiated purchase via acquirer domain with no online validation
DE 48, SE 48, SF 1 = 2 (Acquirer domain)
Case DE DE DE 61
SERVER PURCHASE
0100 090390100015 1 1 NO CVM 00 82 6 001-010 00
15 Mobile-initiated purchase via acquirer domain with no online validation
DE 48, SE 48, SF 1 = 2 (Acquirer domain), SF 3 contains Customer mobile phone number, SF 4 contains customer
SERVER PURCHASE
0100 090390100016 1 1 NO CVM 00 82 6 001-010 00
16
DE 48, SE 48, SF 1 = 2 (Acquirer domain) and SF 3 contains Customer mobile phone number
SERVER PURCHASE
0100 090390100017 1 1 NO CVM 00 82 6 001-010 00
17

DE 48, SE 48, SF 1 = 2 (Acquirer domain) and SF 4 contains customer convenience fee data
SERVER PURCHASE
0100 090390100018 1 1 NO CVM 00 82 6 001-010 00
18
Mobile-initiated purchase via acquirer domain with Accountholder Authentication Value (AAV) authentication.

SERVER PURCHASE
0100 090390100019 1 1 NO CVM 00 82 6 001-010 00
19
Mobile-initiated mobile phone top-up purchase via acquirer domain.
SERVER PURCHASE
0100 090390100020 1 1 NO CVM 00 82 6 001-010 00
20 Mobile-initiated mobile phone top-up purchase via acquirer domain with Accountholder Authentication Value (AAV)
authentication.
1-159
1-160

Case DE DE DE 61
SERVER PAYMENT
21
Mobile-initiated payment transaction via acquirer domain.
SERVER PAYMENT
22
Mobile-initiated payment transaction via acquirer domain with Accountholder Authentication Value (AAV) authentication.

Indicator—Authorization Requests and Reversals
The following test cases will test whether an issuer's Dual Message online application is able to receive and
process Authorization and Reversal Requests that contain the optional device type indicator in DE 48, SE 23,
SF 1 (Device Type) and send correctly formatted Authorization Responses.
Table 1.72—Table 0904001—Issuer Debit MasterCard—MSR Product and Services—Device Type Indicator—Authorization Requests
and Reversals
Case DE DE DE 61
MSR CONTACTLESS
0100 090400100001 1 1 PURCHASE NO CVM 00 91 0 301-305 00
1 0400 1 1 DE 39 = 17 00
DE 48, SE 23, SF 1 = 00 (Card)

0400: Full reversal - customer cancellation

MSR CONTACTLESS
2 0100 090400100007 1 1 PURCHASE NO CVM 00 91 0 301-305 00
DE 48, SE 23, SF 1 = 01 (Mobile Phone or Smartphone) although any other valid values may be sent as needed.

1-161
1-162

0905000—Issuer Debit MasterCard—MSR Product and Services—Receipt Free Text
(Peru)—Authorization Requests
The following test case will test whether an issuer's Dual Message authorization application can send
Authorization Responses containing Receipt Free Text in DE 123.
Table 1.73—Table 0905000—Issuer Debit MasterCard—MSR Product and Services—Receipt Free Text (Peru)—Authorization Requests
Case DE DE DE 61
MSR PURCHASE
0100 090500000001 1 1 SIGNATURE 00 90 0 001 00
1
0110: DE 123 contains receipt free text
NOTE: Applicable for Peru intracountry transactions.
Test Cases—ICC-based Operations

The test cases listed in this section are applicable to integrated circuit card
(ICC)-based operations. Both contact ICC-based operations and contactless
ICC-based operations are addressed.
Select the appropriate business transactions from the following tables and
conduct the associated test case.
NOTE
MasterCard recommends—but does not mandate—that issuers of Debit
MasterCard support electronic commerce transactions.
Debit MasterCard® issuers must be prepared to receive ATM online PIN

transactions for CAT levels 0 and 1.
Authorization Response M/Chip-specific General Acceptance

Criteria
Unless otherwise specified in the comments field of each test case, the following
conditions must be fulfilled with all M/Chip Authorization Response/0110
Messages:
• When present in Authorization Request Message, DE 52 (PIN Data) must be

validated successfully by the Issuer.
• DE 23 (Card Sequence Number) must not be present.
• When DE 55 (ICC System Related Data) is present, the Authorization
Response Cryptogram (ARPC) present in Tag 91 must be
successfully-validated by the simulator.
• When DE 55 is present, only mandatory and optional tags must be included
in DE 55.
Response Code (ARC) present in Tag 91 just after the ARPC must be a valid
value according to the Card Application used. The ARC exists in various
lengths, formats and contents. Here are some of the most commonly used
formats:
– M/Chip™ 2 and UKIS, the ARC must be the binary representation of the
two ASCII bytes representing the response code given by the card issuer
(may differ from the value contained in DE 39 [Response Code]).
– M/Chip 4, the ARC must contain two binary bytes, and must be a valid
M/Chip 4 value, according to the M/Chip 4 Version 1.1 Card Application
Specifications manual.
Base Testing

1-164

0950001—Issuer Debit MasterCard—ICC Base—All Business Transactions—Authorization
Requests
Authorization Requests for various chip business transactions, process them, and return correctly formatted
Table 1.74—Table 0950001—Issuer Debit MasterCard—ICC Base—All Business TransactionsAuthorization Requests
Case DE DE DE 61
ICC PURCHASE
0100 095000100002 1 N/A SIGNATURE 00 05 0 101-105 00
1
Request from full grade acquirer.
Response message meets the authorization response chip-specific general acceptance criteria.
ICC PURCHASE
0100 095000100003 1 N/A OFFLINE PIN 00 05 0 101-105 00
2

ICC CAT LEVEL 1
3
ICC CAT LEVEL 1
PURCHASE OFFLINE
4 0100 095000100005 1 N/A PIN 00 05 1 101-105 00
Request from full grade acquirer. Response message meets the authorization response chip-specific general acceptance
criteria.
ICC CAT LEVEL 2
5
Case DE DE DE 61
ICC CAT LEVEL 4

6
ICC CASH
DISBURSEMENT
7 0100 095000100008 1 N/A SIGNATURE 17 05 0 101-105 00
criteria.
ICC CASH
DISBURSEMENT
0100 095000100009 1 N/A OFFLINE PIN 17 05 0 101-105 00
8

ICC CASH
DISBURSEMENT
9 0100 095000100013 1 N/A ONLINE PIN 17 05 0 V 101-105 00
criteria.
ICC PAYMENT

10
ICC PURCHASE WITH
CASH BACK ONLINE
0100 095000100015 1 N/A PIN 09 05 0 V 101-105 00
11
1-165
1-166

Case DE DE DE 61
ICC PURCHASE WITH
CASH BACK OFFLINE
0100 095000100016 1 N/A PIN 09 05 0 101-105 00
12
ICC PURCHASE ONLINE
0100 095000100016 1 N/A PIN 00 05 0 V 101-105 00
13
ICC ATM WITHDRAWAL
0100 095000100021 1 N/A ONLINE PIN 01 05 0 V 101-105 00
14
0950002—Issuer Debit MasterCard—ICC Base—Technical Conditions—Authorization Requests
Authorization Requests, process them, and return correctly formatted Authorization Responses under the less
common, but valid, technical conditions surrounding the Authorization System.
Table 1.75—Table 0950002—Issuer Debit MasterCard—ICC Base—Technical Conditions—Authorization Requests
Case DE DE DE 61
ICC PURCHASE ONLINE
0100 095000200002 1 N/A PIN 00 05 0 V 101-105 00
1
Request from full grade acquirer containing all mandatory and optional DE 55 subelements.
ICC CAT LEVEL 1

0100 095000200003 1 N/A PURCHASE ONLINE PIN 00 05 1 V 106 00
Issuer response should include one or more issuer scripts.
2
The script template contains one or more issuer script commands.
Required only if issuer supports EMV post-issuance commands.
Response message meets the authorization response chip-specific general acceptance criteria plus the following:
No parsing error of the script template by the simulator.

ICC CAT LEVEL 2
0100 095000200004 1 N/A PURCHASE NO CVM 00 05 2 107 00
Issuer response should include one or more issuer scripts.
3
The script template contains one or more issuer script commands.
Required only if issuer supports EMV post-issuance commands.
Response message meets the authorization response chip-specific general acceptance criteria plus the following:
1-167
1-168

Case DE DE DE 61
ICC FALLBACK TO MSR
0100 095000200007 1 N/A PURCHASE SIGNATURE 00 80 0 101-105 V
Fallback to magnetic stripe on hybrid cards (DE 22, SF 1 = 80) authorization request.
4
DE 55 (ICC system-related data) is not present in response message.
Issuers may approve or decline Fallback to Magnetic Stripe requests at their discretion, and may return any valid
Response Code in DE 39 of the response. The purpose of this test is to confirm that the issuer's system can process
a Fallback request without failure or error.
ICC FALLBACK TO
MANUAL ENTRY
5 Fallback to PAN manual entry on hybrid cards (DE 22, SF 1 = 79) authorization request.
DE 55 (ICC system-related data) is not present in response message.

Issuers may approve or decline Fallback to Manual Entry requests at their discretion, and may return any valid Response
Code in DE 39 of the response. The purpose of this test is to confirm that the issuer's system can process a Fallback
request without failure or error.
ICC PURCHASE ONLINE
0100 095000200009 1 N/A PIN 00 05 0 V 101-105 00
6 Request from full grade acquirer containing only the mandatory data elements that constitute a valid message.
DE 61, SF 11 = 8 (EMV specification [compatible chip reader]; magnetic stripe reader and key entry).
ICC CAT LEVEL 1
Request from full grade acquirer containing only the mandatory data elements that constitute a valid message.
7
Issuer should respond appropriately.
DE 61, SF 11 = 9 (EMV specification [compatible chip reader] only).
Case DE DE DE 61
ICC PURCHASE
0100 095000200011 1 N/A OFFLINE PIN 00 05 0 109 00
This case will test whether issuers will approve full grade chip acquirer authorization request containing a Transaction
Certificate (TC) instead of an Application Request Cryptogram (ARQC) as well as containing the mandatory data elements
8
that constitute a valid message.
DE 55 TAG 9F10 (Issuer Application Data CVR byte 1) = 9x wherein 'x' depends on CVM method used
DE 55 TAG 9F27 (Cryptogram Information Data) = 4x (Transaction Certificate).
ICC PURCHASE
0100 095000200012 1 N/A OFFLINE PIN 00 05 0 V 110 57
This case will test whether issuers do not respond with an Application Response Cryptogram (ARPC) when the Application
Request Cryptogram (ARQC) in the request is invalid.
9 Request from full grade acquirer containing the mandatory data elements that constitute a valid message, with an

invalid ARQC cryptogram in DE 55 TAG 9F26.
Issuer should respond appropriately (must decline) and provide DE 48, SE 74 = 50I (Application Cryptogram invalid) if
supported by issuer.
Response message meets the authorization response chip-specific general acceptance criteria except DE 55 must not
be included.
ICC PURCHASE
SIGNATURE OR NO
0100 095000200013 1 N/A CVM 00 05 0 101-105 00
10

Request from full grade acquirer supporting PayPass M/Chip containing the mandatory data elements that constitute a
valid message.
DE 61, SF 11 = 3 (Contactless M/Chip [Proximity Chip])
1-169
1-170

Case DE DE DE 61
ICC FALLBACK TO
MAGNETIC STRIPE
PURCHASE SIGNATURE
0100 095000200014 1 N/A OR NO CVM 00 80 0 101-105 V
11
Fallback to magnetic stripe on hybrid cards (DE 022 = 80x) authorization request.
Issuer should respond as if to a normal magnetic stripe transaction.
ICC CAT LEVEL 1
ATM WITHDRAWAL
0100 095000200015 1 N/A ONLINE PIN 01 05 1 V 101-105 V
12 Request from partial grade acquirer. DE 55 (ICC system-related data) is not present in response message.
Issuers may approve or decline requests from partial grade acquirers at their discretion, and may return any valid
Response Code in DE 39 of the response. The purpose of this test is to confirm that the issuer's system can process a
request from a partial grade acquirer without failure or error.
ICC PURCHASE ONLINE

0100 095000200016 1 N/A PIN 00 05 0 V 101-105 V
13 Request from partial grade acquirer. DE 55 (ICC system-related data) is not present in response message.
Response Code in DE 39 of the response. The purpose of this test is to confirm that the Issuer's system can process a
0950003—Issuer Debit MasterCard—ICC Base—Acquirer-generated—Authorization and

Reversal Requests
Reversal Requests for various reasons, process them, and return correctly formatted Reversal Request
Responses.
First, customers must process the Authorization Requests on which the Reversal Requests are based.
Second, customers must process Reversal Requests based on these Authorization Requests.
NOTE
The response codes tested (in both the Reversal Requests and the Reversal Request Responses) do not
Table 1.76—Table 0950003—Issuer Debit MasterCard—ICC Base—Acquirer-generated—Authorization and Reversal Requests
Case DE DE DE 61

ICC CAT LEVEL 1
ATM WITHDRAWAL
0100 095000300001 1 N/A ONLINE PIN 01 05 1 V 101-105 00
1 0400 1 N/A DE 39 = 17 00
0400: Full reversal containing DE 39 = 17 (Customer cancellation).

ICC CAT LEVEL 1
0400 1 N/A DE 39 = 32 00
2
0400: Partial reversal containing DE 39 = 32 (Partial reversal).
1-171
1-172

Case DE DE DE 61
ICC CAT LEVEL 2
0400 1 N/A DE 39 = 06 00
3
0400: Full reversal containing DE 39 = 06 (Error).
0951401—Issuer Debit MasterCard—ICC Base—DE 28 Transaction Fee—Authorization and

Reversal Requests
process Authorization and Reversal Requests that contain DE 28 (Amount, Transaction Fee) and return
In the context of ATM Surcharge, issuers must be prepared to support M/Chip Authorization Request
messages with the following characteristics:
• DE 28 (Amount, Transaction Fee) contains the fee charged for the service.
• DE 4 (Amount, Transaction) contains the total amount (the original requested amount plus the transaction
fee).
• DE 55, Tag 9F02 (Amount Authorized) contains the original requested amount, excluding the transaction
fee.
NOTE

Having Tag 9F02 (Amount Authorized) out of sync with DE 4 (Amount, Transaction) is permitted in some
particular cases like ATM Surcharge.
Table 1.77—Table 0951401—Issuer Debit MasterCard—ICC Base—DE 28 Transaction Fee—Authorization and Reversal Requests
Case DE DE DE 61
ICC ATM WITHDRAWAL
0100 095140100001 1 N/A ONLINE PIN 01 05 0 V 101-105 00

1 0400 1 N/A DE 39 = 17 00
Transaction fee in DE 28 and in DE 4 of request and reversal messages.

1-173
1-174

Case DE DE DE 61
ICC CAT LEVEL 1 ATM
BALANCE INQUIRY
0100 095140100002 1 N/A ONLINE PIN 30 05 1 V 101-105 00
2 0400 1 N/A DE 39 = 17 00
Transaction fee in DE 28 and in DE 4 of request and reversal messages.

Programs and Services
1-176

0950101—Issuer Debit MasterCard—ICC Product and Services—Balance Inquiry—Authoriza-
tion Requests
The following test cases will test whether an issuer's Dual Message authorization application can receive ATM
and POS Balance Inquiry Authorization Requests, process them, and return correctly formatted Authorization
Responses with account balance information.
Table 1.78—Table 0950101—Issuer Debit MasterCard—ICC Product and Services—Balance Inquiry—Authorization Requests
Case DE DE DE 61
ICC CAT LEVEL 1 ATM
BALANCE INQUIRY
0100 095010100001 1 N/A ONLINE PIN 30 05 1 V 101-105 V
1
Full grade - Response message meets the authorization response chip-specific general acceptance criteria plus the
following: DE 54 (Additional Amount) must be present in response message.
DE 39 may equal 00 (Approved) or 85 (Not declined).
ICC POS BALANCE

0100 095010100002 1 N/A INQUIRY SIGNATURE 30 05 0 101-105 V

2 Full grade - Response message meets the authorization response chip-specific general acceptance criteria plus the
ICC POS BALANCE
0100 095010100003 1 N/A INQUIRY ONLINE PIN 30 05 0 V 101-105 V
ICC POS BALANCE
0100 095010100004 1 N/A INQUIRY OFFLINE PIN 30 05 0 101-105 V
Case DE DE DE 61
ICC CAT LEVEL 1 ATM
BALANCE INQUIRY
0100 095010100005 1 N/A ONLINE PIN 30 05 0 V 101-105 V
5 Partial grade - Response message meets the authorization response chip-specific general acceptance criteria plus the
following: DE 54 (Additional Amount) must be present in response message. DE 55 (ICC system-related data) is not
present in response message.
ICC POS BALANCE
0100 095010100006 1 N/A INQUIRY SIGNATURE 30 05 0 101-105 V

ICC POS BALANCE
ICC POS BALANCE
0100 095010100008 1 N/A INQUIRY OFFLINE PIN 30 05 0 101-105 V

1-177
1-178

0950201—Issuer Debit MasterCard—ICC Product and Services—Chip to Magnetic Stripe
Conversion Service—Authorization Requests
Authorization Requests that have been processed by the MasterCard Chip to Magnetic Stripe Conversion
Service.
NOTE
Issuers that choose not to receive the results of the Chip to Magnetic Stripe Conversion Service should not run
these tests.
Table 1.79—Table 0950201—Issuer Debit MasterCard—ICC Product and Services—Chip to Magnetic Stripe Conversion
Case DE DE DE 61
ICC PURCHASE
1 0100 095020100001 1 N/A SIGNATURE 00 90 0 101-105 00
DE 48, SE 71 = 01Cb indicates conversion from DE 22, SF 1 = 05.

ICC CONTACTLESS
DE 48, SE 71 = 01Sb indicates conversion from DE 22, SF 1 = 07.

ICC FALLBACK TO
MANUAL ENTRY

ICC FALLBACK TO
MAGNETIC STRIPE
DE 48, SE 71 = 01Mb indicates conversion from DE 22, SF 1 = 80.

Case DE DE DE 61
ICC CASH
DISBURSEMENT
5 0100 095020100006 1 N/A SIGNATURE 17 90 0 101-105 00

ICC PURCHASE ONLINE
0100 095020100007 1 N/A PIN 00 90 0 V 101-105 00
6

1-179
1-180

Conversion Service—Authorization Advices (Acquirer-generated)
correctly formatted Authorization Advices processed using the MasterCard Chip to Magnetic Stripe Conversion
Service.
NOTE
these tests.
Service—Authorization Advices (Acquirer-generated)
Case DE DE DE 61
ICC PURCHASE
1 0120 095020200001 1 N/A SIGNATURE 00 90 0 101-105 00

ICC FALLBACK TO
MANUAL PURCHASE
2 0120 095020200002 1 N/A SIGNATURE 00 01 0 101-105 00


Conversion Service (Option to prevent modification of DE 22)—Authorization Requests,
Reversals and Advices
Authorization Requests, Reversals and Advices that underwent the MasterCard Chip to Magnetic Stripe
Conversion Service with option to prevent modification of DE 22.
Issuers will receive the service results in DE 48, SE 71 unless they choose to suppress those results.
Table 1.81—Table 0950206—Issuer Debit MasterCard—ICC Product and Services—Chip to Magnetic Stripe Conversion Service
(Option to prevent modification of DE 22)—Authorization Requests, Reversals and Advices
Case DE DE DE 61
ICC PURCHASE ONLINE
0100 095020600001 1 N/A PIN 00 05 0 V 101-105 00

0400 1 N/A DE 39 = 00 00
1
DE 22, SF 1 = 05 (PAN auto-entry via chip)
DE 48, SE 71 = 01Cb indicates successful completion of Chip to Magnetic Stripe Conversion Service.
Full reversal.
ICC PURCHASE
SIGNATURE OR NO
0100 095020600002 1 N/A CVM 00 05 0 101-105 00
2

ICC CONTACTLESS
PURCHASE SIGNATURE
0100 095020600003 1 N/A OR NO CVM 00 07 0 401-405 00
3
DE 22, SF 1 = 07 (PAN auto-entry via contactless M/Chip)
DE 48, SE 71 = 01Sb indicates successful completion of Chip to Magnetic Stripe Conversion Service.
1-181
1-182

Case DE DE DE 61
ICC FALLBACK TO
MANUAL ENTRY
4
DE 22, SF 1 = 79 (PAN auto-entry via fallback to magnetic stripe)
ICC FALLBACK TO
MAGNETIC STRIPE
5
DE 48, SE 71 = 01Mb indicates successful completion of Chip to Magnetic Stripe Conversion Service.
ICC PURCHASE
SIGNATURE OR NO
0120 095020600006 1 N/A CVM 00 05 0 101-105 00
6 DE 22, SF 1 = 05 (PAN auto-entry via chip)

DE 39 = 00 (Approved or completed successfully)
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095020600007 1 N/A OR NO CVM 00 07 0 401-405 00
7 DE 22, SF 1 = 07 (PAN auto-entry via contactless M/Chip)
0950251—Issuer Debit MasterCard—ICC Product and Services—Chip CVC to CVC 1 Conversion

Service (CVC 1 Key/Decision Matrix Only)—Authorization Requests
Authorization Requests that underwent the MasterCard Chip CVC to CVC 1 Conversion Service (CVC 1
Key/Decision Matrix Only).
Issuers will receive the service results in DE 48, SE 71 and either the Chip CVC or CVC 1 value in DE 35 as
indicated in those service results.
NOTE
DE 23 and DE 55 are not present because it is assumed that the transactions are not full grade or have been
processed through one of the Chip to Magnetic Stripe Conversion service variations.
Table 1.82—Table 0950251—Issuer Debit MasterCard—ICC Product and Services—Chip CVC to CVC 1 Conversion Service (CVC 1
Key/Decision Matrix Only)—Authorization Requests
Case DE DE DE 61

ICC PURCHASE
SIGNATURE OR NO
0100 095025100001 1 N/A CVM 00 05 0 101-105 00
1
DE 35 present containing MasterCard calculated CVC 1 value.
DE 48, SE 71 = 31Cb (Chip CVC validated successfully; Conversion of Chip CVC to CVC 1 performed successfully)
ICC PURCHASE
SIGNATURE OR NO

0100 095025100002 1 N/A CVM 00 05 0 101-105 V
2
DE 35 present containing unvalidated Chip CVC.
DE 48, SE 71 = 31Fb (Track data formatted incorrectly; Service not performed)
ICC PURCHASE
SIGNATURE OR NO
0100 095025100003 1 N/A CVM 00 05 0 101-105 V
3
DE 35 present containing invalid Chip CVC.
DE 48, SE 71 = 31Ib (Chip CVC invalid; Conversion of Chip CVC to CVC 1 not performed)
1-183
1-184

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0100 095025100004 1 N/A CVM 00 05 0 101-105 V
4
DE 48, SE 71 = 31Kb (Issuer CVC 1 Key Record not found for Account Range / Expiry Date combination; Service not
performed)
ICC PURCHASE
SIGNATURE OR NO
0100 095025100005 1 N/A CVM 00 05 0 101-105 V
5
DE 48, SE 71 = 31Ub (Unable to process)
ICC CONTACTLESS
PURCHASE SIGNATURE
0100 095025100011 1 N/A OR NO CVM 00 07 0 401-405 00

6


Service (CVC 1 Key/Decision Matrix Only)—Authorization Advices (System-generated)
Stand-In Authorization Advices that underwent the MasterCard Chip CVC to CVC 1 Conversion Service (CVC
1 Key/Decision Matrix Only).
NOTE
Key/Decision Matrix Only)—Authorization Advices (System-generated)
Case DE DE DE 61

ICC PURCHASE
SIGNATURE OR NO
0120 095025200001 1 N/A CVM 00 05 0 101-105 00
1 DE 39 = 00 (Approved or completed successfully)

ICC PURCHASE
SIGNATURE OR NO
0120 095025200002 1 N/A CVM 00 05 0 101-105 00
2 DE 39 = 00 (Approved or completed successfully) assume obtained from issuer decision matrix
1-185
1-186

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0120 095025200003 1 N/A CVM 00 05 0 101-105 00
3 DE 39 = 05 (Do not honor) assume obtained from issuer decision matrix
DE 60 = 1010054 (IPS signed out; reject: Track data format error)
ICC PURCHASE
SIGNATURE OR NO
0120 095025200004 1 N/A CVM 00 05 0 101-105 00


ICC PURCHASE
SIGNATURE OR NO
0120 095025200005 1 N/A CVM 00 05 0 101-105 00

DE 60 = 1010055 (IPS signed out; reject: Chip CVC invalid)
ICC PURCHASE
SIGNATURE OR NO
0120 095025200006 1 N/A CVM 00 05 0 101-105 00
DE 39 = 05 (Do not honor) MasterCard default response
6
performed)
DE 60 = 1010056 (IPS signed out; reject: Chip CVC / CVC 1 unable to process)
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0120 095025200007 1 N/A CVM 00 05 0 101-105 00
7 DE 39 = 96 (System error) MasterCard default response

ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095025200011 1 N/A OR NO CVM 00 07 0 101-105 00


1-187
1-188

Service (Separate Keys/Decision Matrices)—Authorization Requests
Authorization Requests that underwent the MasterCard Chip CVC to CVC 1 Conversion Service (Separate
Keys/Decision Matrices).
NOTE
Table 1.84—Table 0950261—Issuer Debit MasterCard—ICC Product and Services—Chip CVC to CVC 1 Conversion Service (Separate
Keys/Decision Matrices)—Authorization Requests
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0100 095026100001 1 N/A CVM 00 05 0 101-105 00
1
ICC PURCHASE
SIGNATURE OR NO
0100 095026100002 1 N/A CVM 00 05 0 101-105 V
2
ICC PURCHASE
SIGNATURE OR NO
0100 095026100003 1 N/A CVM 00 05 0 101-105 V
3
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0100 095026100004 1 N/A CVM 00 05 0 101-105 V
4
DE 48, SE 71 = 32Kb (Neither the Issuer Chip CVC Key Record nor the Issuer CVC 1 Key Record found for Account
Range / Expiry Date combination; Service not performed)
ICC PURCHASE
SIGNATURE OR NO
0100 095026100005 1 N/A CVM 00 05 0 101-105 V
5
ICC PURCHASE
SIGNATURE OR NO

0100 095026100006 1 N/A CVM 00 05 0 101-105 V
6
DE 48, SE 71 = 32Lb (Issuer CVC 1 Key Record not Found for Account Range/Expiry Date Combination; Service not
performed)
ICC PURCHASE
SIGNATURE OR NO
0100 095026100007 1 N/A CVM 00 05 0 101-105 V
7

DE 48, SE 71 = 32Mb (Issuer Chip CVC Key Record not found for Account Range/Expiry Date Combination; Service not
performed)
ICC CONTACTLESS
PURCHASE SIGNATURE
0100 095026100011 1 N/A OR NO CVM 00 07 0 401-405 00
8
1-189
1-190

Service (Separate Keys/Decision Matrices)—Authorization Advices (System-generated)
Stand-In Authorization Advices that underwent the MasterCard Chip CVC to CVC 1 Conversion Service
(Separate Keys/Decision Matrices).
NOTE
Keys/Decision Matrices)—Authorization Advices (System-generated)
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0120 095026200001 1 N/A CVM 00 05 0 101-105 00
ICC PURCHASE
SIGNATURE OR NO
0120 095026200002 1 N/A CVM 00 05 0 101-105 00
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0120 095026200003 1 N/A CVM 00 05 0 101-105 00
ICC PURCHASE
SIGNATURE OR NO
0120 095026200004 1 N/A CVM 00 05 0 101-105 00


ICC PURCHASE
SIGNATURE OR NO
0120 095026200005 1 N/A CVM 00 05 0 101-105 00


ICC PURCHASE
SIGNATURE OR NO
0120 095026200006 1 N/A CVM 00 05 0 101-105 00
6
performed)
1-191
1-192

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0120 095026200007 1 N/A CVM 00 05 0 101-105 00

ICC PURCHASE
SIGNATURE OR NO
0120 095026200006 1 N/A CVM 00 05 0 101-105 00
8
DE 48, SE 71 = 32Lb (Issuer CVC 1 Key Record not found for Account Range / Expiry Date combination; Service not
performed)
ICC PURCHASE
SIGNATURE OR NO
0120 095026200006 1 N/A CVM 00 05 0 101-105 00
9
DE 48, SE 71 = 32Mb (Issuer CVC 1 Key Record not found for Account Range / Expiry Date combination; Service not
performed)
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095026200011 1 N/A OR NO CVM 00 07 0 101-105 00

The following test cases will test whether an issuer's Dual Message Authorization application can correctly
process Authorization Requests that have been processed by the MasterCard M/Chip™ Cryptogram
Pre-validation Service.
Table 1.86—Table 0950401—Issuer Debit MasterCard—ICC Product and Services—M/Chip Cryptogram Pre-validation
Case DE DE DE 61
ICC PURCHASE
0100 095040100001 1 N/A SIGNATURE 00 05 0 101-105 00
1 DE 48, SE 71 = 02Vb (Valid cryptogram)
DE 48, SE 72 contains ARPC value
Response message meets the response chip-specific general acceptance criteria.

ICC PURCHASE
0100 095040100002 1 N/A SIGNATURE 00 05 0 101-105 V
2 DE 48, SE 71 = 02Ub (Unable to process)
Issuer recommended response is approve.
ICC PURCHASE
0100 095040100003 1 N/A SIGNATURE 00 05 0 101-105 V

DE 48, SE 71 = 02Tb (Bad TVR/CVR)
3
DE 48, SE 79 contains CVR/TVR bits found to be in error
Issuer recommended response is decline.
ICC PURCHASE
0100 095040100004 1 N/A SIGNATURE 00 05 0 101-105 V
4 DE 48, SE 71 = 02Ib (Invalid cryptogram)
1-193

1-194

Case DE DE DE 61
ICC PURCHASE
0100 095040100005 1 N/A SIGNATURE 00 05 0 101-105 V
5 DE 48, SE 71 = 02Gb (Valid non-ARQC cryptogram)
ICC FALLBACK TO
MAGNETIC STRIPE
Business transaction not eligible for cryptogram validation service.
MSR PURCHASE
7 0100 095040100009 1 N/A SIGNATURE 00 90 0 101-105 00
Business transaction not eligible for cryptogram validation service.
ICC CASH
DISBURSEMENT
0100 095040100011 1 N/A SIGNATURE 17 05 0 101-105 00
8
DE 48, SE 71 = 02Vb (Valid cryptogram)
ICC PURCHASE ONLINE
0100 095040100013 1 N/A PIN 00 05 0 V 101-105 00
Case DE DE DE 61
ICC CONTACTLESS
PayPass M/Chip issuers only
Response message meets the response PayPass M/Chip specific general acceptance criteria plus the following
DE 55 is not present in response message.
ICC PURCHASE
0100 095040100016 1 N/A OFFLINE PIN 00 05 0 101-105 00

1-195
1-196

Pre-validation Service—Authorization Advices (System-generated)
Debit MasterCard issuers that use MasterCard M/Chip™ Cryptogram Pre-validation should select and run a
subset of the test cases below based upon the options they select when enrolling in this service.
Test cases 1 and 10 are an approval advice, which all issuers must run.
Test cases 2—5 represent non-valid cryptogram outcomes in which the issuer instructs MasterCard to approve
the transaction even though the cryptogram validation failed for any reason.
Test cases 6—9 represent non-valid cryptogram outcomes in which the issuer instructs MasterCard to decline
the transaction in the event of a specific cryptogram validation failure.
Issuers may need to run a mixed subset of the test cases in the 2—5 (approve) and 6—9 (decline) ranges,
Issuers choose decline codes for each non-valid cryptogram result and place those in a decision matrix in
their On-behalf Key Management file. Issuers may choose from the following decline codes:
• 01 - Refer to Issuer
• 04 - Pickup card
• 05 - Do Not Honor
• 08 - Honor with Identification
• 12 - Invalid Transaction
• 57 - Transaction not permitted to cardholder
Case DE DE DE 61
ICC PURCHASE
0120 095040200001 1 N/A SIGNATURE 00 05 0 101-105 00
1
DE 60 = 1010000; Issuer signed out and approved by Stand-In.
ICC PURCHASE
0120 095040200002 1 N/A SIGNATURE 00 05 0 101-105 00
2 DE 39 = 00 (Approved) - Issuer instructs MasterCard to approve on valid non-ARQC cryptogram.
DE 48, SE 71 = 02Gb (Valid non-ARQC cryptogram).

ICC PURCHASE
0120 095040200003 1 N/A SIGNATURE 00 05 0 101-105 00
3 DE 39 = 00 (Approved) - Issuer instructs MasterCard to approve on unable to process
ICC PURCHASE
0120 095040200004 1 N/A SIGNATURE 00 05 0 101-105 00

DE 39 = 00 (Approved) - Issuer instructs MasterCard to approve on bad TVR/CVR
4
DE 48, SE 79 contains CVR/TVR bits found to be in error.
1-197
1-198

Case DE DE DE 61
ICC PURCHASE
0120 095040200005 1 N/A SIGNATURE 00 05 0 101-105 00
5 DE 39 = 00 (Approved) - Issuer instructs MasterCard to approve on invalid cryptogram
DE 48, SE 71 = 02Ib (Invalid cryptogram)
ICC PURCHASE
0120 095040200006 1 N/A SIGNATURE 00 05 0 101-105 00
6 DE 39 = decline response chosen by issuer - Issuer instructs MasterCard to decline on valid non-ARQC cryptogram
DE 48, SE 71 = 02Gb (Valid non-ARQC cryptogram)
DE 60 = 1010039; Issuer signed out and declined by Stand-In for valid non-ARQC cryptogram.
ICC PURCHASE
0120 095040200007 1 N/A SIGNATURE 00 05 0 101-105 00
7 DE 39 = decline response chosen by issuer - Issuer instructs MasterCard to decline on unable to process

DE 60 = 1010032; Issuer signed out and declined by Stand-In for unable to process.
ICC PURCHASE
0120 095040200008 1 N/A SIGNATURE 00 05 0 101-105 00
DE 39 = decline response chosen by issuer - Issuer instructs MasterCard to decline on bad TVR/CVR
8
DE 60 = 1010035; Issuer signed out and declined by Stand-In for bad TVR/CVR.
ICC PURCHASE
0120 095040200009 1 N/A SIGNATURE 00 05 0 101-105 00
9 DE 39 = decline response chosen by issuer - Issuer instructs MasterCard to decline on invalid cryptogram
DE 60 = 1010034; Issuer signed out and declined by Stand-In for invalid cryptogram.
Case DE DE DE 61
ICC CONTACTLESS
10

1-199
1-200

Pre-validation Service (TVR/CVR Exceptions)—Authorization Requests
The following test cases will test whether an issuer's Dual Message authorization application receives the
CVR/TVR result values in DE 48, SE 79 (Chip CVR/TVR Bit Error Results) in the Authorization Request
messages generated by the M/Chip™ Cryptogram Pre-validation Service.
Table 1.88—Table 0950403—Issuer Debit MasterCard—ICC Product and Services—M/Chip Cryptogram Pre-validation Service
(TVR/CVR Exceptions)—Authorization Requests
Case DE DE DE 61
ICC CAT LEVEL 1
ATM WITHDRAWAL
0100 095040300001 1 N/A ONLINE PIN 01 05 1 V 101-105 V
1
DE 48, SE 71 = 02Tb (Bad TVR/CVR) and DE 48, SE 79 = C0311

ICC CAT LEVEL 1

ATM WITHDRAWAL
0100 095040300002 1 N/A ONLINE PIN 01 05 1 V 101-105 V
2
DE 48, SE 71 = 02Tb (Bad TVR/CVR) and DE 48, SE 79 = T0580

Validation in Stand-In Processing—Authorization Advices (System-generated)
Debit MasterCard issuers that use the MasterCard M/Chip™ Cryptogram Validation in Stand-In Processing
should select and run a subset of the test cases below based upon the options they select when enrolling in
this service.
Test cases 1, 6 and 11 are approval Advices, which all issuers must run.
Test cases 2—5 represent non-valid cryptogram outcomes in which the issuer instructs MasterCard to approve
the transaction even though the cryptogram validation failed for any reason.
Test cases 7—10 represent non-valid cryptogram outcomes in which the issuer instructs MasterCard to decline
the transaction in the event of a specific cryptogram validation failure.
Issuers may need to run a mixed subset of the test cases in the 2—5 (approve) and 7—10 (decline) ranges,
Issuers choose decline codes for each non-valid cryptogram result and place those in a decision matrix in

their On-behalf Key Management file. Issuers may choose from the following decline codes:
• 01 - Refer to Issuer
• 04 - Pickup card
• 05 - Do Not Honor
• 08 - Honor with Identification
• 12 - Invalid Transaction

• 57 - Transaction not permitted to cardholder
1-201
1-202

Table 1.89—Table 0950501—Issuer Debit MasterCard—ICC Product and Services—M/Chip Cryptogram Validation in Stand-In
Processing—Authorization Advices (System-generated)
Case DE DE DE 61
ICC PURCHASE
0120 095050100001 1 N/A SIGNATURE 00 05 0 101-105 00
1
ICC PURCHASE
0120 095050100002 1 N/A SIGNATURE 00 05 0 101-105 00

ICC PURCHASE
0120 095050100003 1 N/A SIGNATURE 00 05 0 101-105 00
3
ICC PURCHASE
0120 095050100004 1 N/A SIGNATURE 00 05 0 101-105 00
Case DE DE DE 61
ICC PURCHASE
0120 095050100005 1 N/A SIGNATURE 00 05 0 101-105 00
ICC PURCHASE
0120 095050100006 1 N/A SIGNATURE 00 05 0 101-105 00
6
ICC PURCHASE

0120 095050100007 1 N/A SIGNATURE 00 05 0 101-105 00
ICC PURCHASE
0120 095050100008 1 N/A SIGNATURE 00 05 0 101-105 00
8

ICC PURCHASE
0120 095050100009 1 N/A SIGNATURE 00 05 0 101-105 00
1-203
1-204

Case DE DE DE 61
ICC PURCHASE
0120 095050100010 1 N/A SIGNATURE 00 05 0 101-105 00
ICC CONTACTLESS
0950502—Issuer Debit MasterCard—ICC Product and Services—M/Chip Cryptogram Validation

in Stand-In Service (TVR/CVR Exceptions)—Authorization Advices (System-generated)
The following test cases will test whether an issuer's Dual Message authorization application can receive the
CVR/TVR result values in DE 48, SE 79 (Chip CVR/TVR Bit Error Results) in the Authorization Advice messages
generated by the MasterCard M/Chip™ Cryptogram Validation in Stand-In Processing.
Table 1.90—Table 0950502—Issuer Debit MasterCard—ICC Product and Services—M/Chip Cryptogram Validation in Stand-In Service
(TVR/CVR Exceptions)—Authorization Advices (System-generated)
Case DE DE DE 61
ICC PURCHASE ONLINE
0120 095050200001 1 N/A PIN 00 05 0 V 101-105 00
1 DE 39 = decline response chosen by issuer - Issuer instructs MasterCard to decline on bad TVR/CVR
DE 48, SE 71 = 03Tb (Bad TVR/CVR) and DE 48, SE 79 = C0311

ICC PURCHASE ONLINE
0120 095050200002 1 N/A PIN 00 05 0 V 101-105 00
2 DE 39 = decline response chosen by issuer - Issuer instructs MasterCard to decline on bad TVR/CVR
DE 48, SE 71 = 03Tb (Bad TVR/CVR) and DE 48, SE 79 = T0580
DE 60 = 1010035; Issuer signed out and declined by Stand-In for bad TVR/CVR

1-205
1-206

PIN unblock or PIN change Authorization Request messages, process them, and return correctly formatted
Authorization Request Response messages.
Table 1.91—Table 0950601—Issuer Debit MasterCard—ICC Product and Services—PIN Management (All Business
Case DE DE DE 61
ICC ATM PIN UNBLOCK
0100 095060100001 1 N/A ONLINE PIN 91 05 0 V 141-143 V
1 Response message meets the authorization response chip-specific general acceptance criteria plus the following:
DE 55, SE 71 or 72 (Issuer script) must be present in response message and contain a valid PIN unblock command.
Recommended issuer response is DE 39 = 85 (Not declined)
ICC ATM PIN CHANGE

0100 095060100002 1 N/A ONLINE PIN 92 05 0 V 141-143 V

2 Response message meets the authorization response chip-specific general acceptance criteria plus the following:
DE 55, SE 71 or 72 (Issuer script) must be present in response message and contain a valid PIN change command.
Recommend issuer response is DE 39 = 85 (Not declined)
0950602—Issuer Debit MasterCard—ICC Product and Services—PIN Management (Selected

Response Codes)—Authorization Requests
The following test cases will test whether an issuer's Dual Message authorization application can respond with
the decline response codes most commonly used in Authorization Responses.
NOTE
The response codes tested do not represent the full range possible.
Table 1.92—Table 0950602—Issuer Debit MasterCard—ICC Product and Services—PIN Management (Selected Response
Codes)—Authorization Requests
Case DE DE DE 61
ICC ATM PIN UNBLOCK
0100 095060200001 1 N/A ONLINE PIN 91 05 0 V 144 70
1
Contact card issuer

ICC ATM PIN CHANGE
0100 095060200002 1 N/A ONLINE PIN 92 05 0 V 145 71
2
PIN not changed
ICC ATM PIN CHANGE
0100 095060200003 1 N/A ONLINE PIN 92 05 0 V 147 89
3

Unacceptable PIN - transaction declined, retry
1-207
1-208

0950603—Issuer Debit MasterCard—ICC Product and Services—PIN Management—Autho-
rization Requests and Reversals
Reversal Requests for various reasons, process them, and return correctly formatted Reversal Request
Responses. Issuer systems must be able to undo the PIN change and PIN unblock after receipt of Reversal
Request.
First, customers must process the PIN Management Requests on which the Reversal Requests are based.
NOTE
The response codes tested in both the Reversal Requests and the Reversal Request Responses do not represent
the full range possible.
Table 1.93—Table 0950603—Issuer Debit MasterCard—ICC Product and Services—PIN Management—Authorization Requests
and Reversals
Case DE DE DE 61
ICC ATM PIN CHANGE
0100 095060300001 1 N/A ONLINE PIN 92 05 0 V 141-143 V
0400 1 N/A DE 39 = 68 00
1
Response message meets the authorization response chip-specific general acceptance criteria
Full reversal after timeout.
ICC ATM PIN UNBLOCK
0100 095060300002 1 N/A ONLINE PIN 91 05 0 V 141-143 V
0400 1 N/A DE 39 = 06 00
2
Approved response containing an invalid issuer script that cannot be implemented by the card.
Full reversal after issuer script implementation failure at acquirer.
Authorization Response PayPass M/Chip-specific General Acceptance Criteria

The test cases in this section will test whether an issuer's Dual Message application can properly process
MasterCard® PayPass™ M/Chip™ messages.
Unless otherwise specified in the comments field of each test case, the following conditions must be fulfilled
with all PayPass M/Chip Authorization Response/0110 Messages:

• DE 55 (ICC System Related Data) must not be present as a best practice.

1-209
1-210

0951001—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip (All
MasterCard®PayPass™ Authorization Requests for various business transactions, process them, and return
Table 1.94—Table 0951001—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip (All Business
Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0100 095100100010 1 N/A OR NO CVM 00 07 0 401-405 00
1
Request from full grade PayPass M/Chip Acquirer.
Response message meets the authorization response PayPass M/Chip-specific general acceptance criteria.
ICC CONTACTLESS

2
Request from full grade PayPass M/Chip acquirer.
ICC CONTACTLESS CAT
LEVEL 1 PURCHASE
0100 095100100003 1 N/A ONLINE PIN 00 07 1 V 401-405 00
3
ICC CONTACTLESS CAT
LEVEL 2 PURCHASE
0100 095100100004 1 N/A NO CVM 00 07 2 401-405 00
4
Case DE DE DE 61
ICC CONTACTLESS
CASH DISBURSEMENT
0100 095100100005 1 N/A SIGNATURE 17 07 0 401-405 00
5
ICC CONTACTLESS
CASH DISBURSEMENT
0100 095100100006 1 N/A ONLINE PIN 17 07 0 V 401-405 00
6
ICC CONTACTLESS
ATM WITHDRAWAL
0100 095100100007 1 N/A ONLINE PIN 01 07 0 V 401-405 00

7
ICC CONTACTLESS
8 This case will test whether an issuer Dual Message online application is able to receive an application transaction counter
(ATC) update indicator (value 6) in DE 61, subfield 7 (POS Transaction Status) of Authorization Request and process the
resulting Authorization Response that contain DE 39 = 85 or 00 for approval or 05 for decline.

ICC CONTACTLESS
PURCHASE SIGNATURE
0100 095100100010 1 N/A OR NO CVM 00 07 0 401-405 00
9
1-211
1-212

Case DE DE DE 61
ICC CONTACTLESS
PURCHASE WITH CASH
0100 095100100011 1 N/A BACK SIGNATURE 09 07 0 401-405 00
10
ICC CONTACTLESS
PURCHASE WITH CASH
0100 095100100012 1 N/A BACK ONLINE PIN 09 07 0 V 401-405 00
11
ICC CONTACTLESS

12 This case will test whether an issuer Dual Message online application is able to receive DE 4 (Amount, Transaction)
that is a different value than DE 55, tag 9F02 (Amount Authorized) of Authorization Request, process the message,
and return correctly formatted Authorization Response.
ICC CONTACTLESS
13 This case will test whether an issuer Dual Message online application is able to receive DE 13 (Date, Local Transaction)
that is a different value than DE 55, tag 9A (Transaction Date) of Authorization Request, process the message, and return
correctly formatted Authorization Response.
0951002—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass

M/Chip—Authorization Requesst and Reversals
MasterCard PayPass M/Chip Reversal Requests, process them, and return correctly formatted Reversal Request
Responses.
First, customers must process the Authorization Requests on which the Reversal Requests are based.
NOTE
The Response Codes tested in both the Reversal Requests and the Reversal Request Responses do not represent
the full range possible.
Table 1.95—Table 0951002—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip—Authorization
Requesst and Reversals
Case DE DE DE 61

ICC CONTACTLESS
PURCHASE SIGNATURE
0100 095100200001 1 N/A OR NO CVM 00 07 0 401-405 00
1 0400 1 N/A DE 39 = 17 00

1-213
1-214

0951003—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip (Technical
MasterCard PayPass M/Chip Authorization Requests for various technical conditions, process them, and
Table 1.96—Table 0951003—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip (Technical
Case DE DE DE 61
ICC CONTACTLESS
1 Request from full grade PayPass M/Chip Acquirer.

This case will test whether an issuer Dual Message application is able to receive an application transaction counter (ATC)
update indicator (value 6) in DE 61, subfield 7 (POS Transaction Status) of the Authorization Requestvand process the
resulting Authorization Response that contains DE 39 = 85 or 00 for approval or 05 for decline.
ICC CONTACTLESS
2 First 0100: DE 55, tag 9F36 (Application Transaction Counter) set to '10'.
Second 0100 on same card: DE 55, tag 9F36 set to '2E'.
NOTE
ICC CONTACTLESS
Second 0100 on same card: DE 55, tag 9F36 set to '1B'.
NOTE
Case DE DE DE 61
ICC CONTACTLESS
Duplicate ATCs (Reply and same application cryptogram) test scenario
First 0100: DE 55, tag 9F36 (Application Transaction Counter) set to '30'.
4 Second 0100 on same card: DE 55, tag 9F36 set to '31'.
Third 0100 on same card: DE 55, tag 9F36 set to '30' and same application cryptogram as first 0100.
NOTE
ICC CONTACTLESS
Duplicate ATCs (Reply and different application cryptogram) test scenario

Third 0100 on same card: DE 55, tag 9F36 set to '30' and different application cryptogram as first 0100.
NOTE
been compromised.
ICC CONTACTLESS

6 Duplicate ATCs (ATM multiple transactions in single carholder session) test scenario
1-215
1-216

Case DE DE DE 61
ICC CONTACTLESS
Duplicate ATCs (ATM multiple transactions in single carholder session) test scenario
7 Second 0100 on same card as preceding 0100: DE 55, tag 9F36 set to '40' and same application cryptogram.
NOTE
0951041—Issuer Debit MasterCard—ICC Product and Services—MasterCard Digital Enablement

contactless M/Chip Authorization Requests or Advices for transactions when the MasterCard Digital
Enablement Service was performed, process them, and send correctly formatted Authorization Responses.
Table 1.97—Table 0951041—Issuer Debit MasterCard—ICC Product and Services—MasterCard Digital Enablement
Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0100 095104100001 1 N/A OR NO CVM 00 07 0 412 00
MasterCard Digital Enablement Service successfully performed PAN mapping and M/Chip cryptogram validation.
1
DE 22, SF 1 = 82 (PAN Auto Entry via Server) after conversion from 07 (PAN auto-entry via contactless M/Chip).

DE 23, DE 35 and DE 55 were removed.
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100002 1 N/A OR NO CVM 00 82 0 412 00
MasterCard Digital Enablement Service successfully performed PAN mapping and M/Chip cryptogram validation; and then
2

1-217
1-218

Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100003 1 N/A OR NO CVM 00 07 0 415 00
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100004 1 N/A OR NO CVM 00 07 0 413 00


ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100005 1 N/A OR NO CVM 00 07 0 413 00
MasterCard Digital Enablement Service successfully performed PAN mapping but failed M/Chip cryptogram validation.
5
DE 48, SE 71 = 50Cb51Fb for the on-behalf service results.
DE 60 = 1410033 (MasterCard Digital Enablement Service; Reject: Incorrect chip data).
Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100006 1 N/A OR NO CVM 00 07 0 416 00
6
DE 48, SE 71 = 50Cb51Gb for the on-behalf service results.
DE 60 = 1410039 (MasterCard Digital Enablement Service; Reject: Cryptogram not ARQC).
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100007 1 N/A OR NO CVM 00 07 0 414 00
7

DE 60 = 1410034 (MasterCard Digital Enablement Service; Reject: Chip validation failed).
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100008 1 N/A OR NO CVM 00 07 0 417 00
8

DE 48, SE 71 = 50Cb51Tb for the on-behalf service results.
DE 60 = 1410035 (MasterCard Digital Enablement Service; Reject: TVR/CVR validation failed).
1-219
1-220

Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0120 095104100009 1 N/A OR NO CVM 00 07 0 413 00
MasterCard Digital Enablement Service successfully performed PAN mapping but unable to perform M/Chip cryptogram
9 validation.
DE 60 = 1410032 (MasterCard Digital Enablement Service; Reject: Chip technical failure).

The following test cases will test whether an issuer's Dual Message application is able to receive and
process Authorization Requests containing DE 48, SE 64 (Transit Program) with applicable values in SF 1
(Transit Transaction Type Indicator) and SF 2 (Transportation Mode Indicator); and send properly formatted
Table 1.98—Table 0951051—Issuer Debit MasterCard—ICC Product and Services—Transit Program Transactions—Authorization
Requests
Case DE DE DE 61
ICC CONTACTLESS CAT
LEVEL 2 PURCHASE
0100 095105100001 1 N/A NO CVM 00 07 2 401-405 00
1
Authorization request meets the PayPass M/Chip-specific general acceptance criteria.

ICC CONTACTLESS CAT
LEVEL 2 PURCHASE
0100 095105100002 1 N/A NO CVM 00 07 2 401-405 00
2

1-221
1-222

Case DE DE DE 61
ICC CONTACTLESS
3 0100: DE 4 = one major unit of currency and DE 55 tag 9F02 is all zeros.
0100: DE 55, tag 9F26 contains Transaction Certificate per Card Verification Results (byte 3 in tag 9F10) and Cryptogram
Information Data (tag 9F27).
information.
ICC CONTACTLESS
Authorized aggregated split clearing transit transaction type indicator with applicable transportation mode indicator
0100: DE 4 = .10 GBP for first request and DE 55 tag 9F02 is all zeros.
4
0100: DE 48, SE 64, SF 1 = 04 (Authorized Aggregated Split Clearing); SF 2 contains the applicable Transportation
Mode Indicator.
information.
ICC CONTACTLESS
Authorized aggregated split clearing transit transaction type indicator with applicable transportation mode indicator
5 0100: DE 4 = any amount (except GBP .10) for second and subsequent requests but not to exceed the applicable
transaction amount ceiling amount and DE 55 tag 9F02 is all zeros.
0100: DE 48, SE 64, SF 1 = 04 (Authorized Aggregated Split Clearing); SF 2 contains the applicable Transportation
Mode Indicator.
Case DE DE DE 61
information.
ICC CAT LEVEL 2
6 Authorization request meets the chip-specific general acceptance criteria.
ICC CAT LEVEL 2
7 Authorization request meets the chip-specific general acceptance criteria.

ICC CONTACTLESS
8 Debt recovery transit transaction type indicator for cardholder via M/Chip contactless tap and with applicable
transportation mode indicator.
information.

ICC CONTACTLESS
9 0100: DE 4 = one major unit of currency and DE 55 tag 9F02 is all zeros.
0100: DE 55, tag 9F26 contains Authorization Request Cryptogram (ARQC) per Card Verification Results (byte 3 in
tag 9F10) and Cryptogram Information Data (tag 9F27).
1-223
information.
1-224

0951101—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass Mapping Service
(Contactless)—Authorization Requests and Reversals
The following test cases will test whether a customers MasterCard PayPass™ Mapping Service issuer Dual
Message authorization application can receive and process Authorization and Reversal Requests that have
undergone mapping from the PayPass PAN to the real PAN and return correctly formatted Authorization
Responses.
Issuers participating in the PayPass Mapping Service and are required to test with MasterCard.
Table 1.99—Table 0951101—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass Mapping Service
(Contactless)—Authorization Requests and Reversals
Case DE DE DE 61
ICC CONTACTLESS
0400 1 N/A DE 39 = 17 00
1 DE 48, SE 33 = PayPass PAN information

DE 48 SE 71 = 14Cb PayPass Mapping Service completed)
DE 55 is present; track data (DE 35 or DE 45) is not present
Response message meets the authorization response PayPass M/Chip-specific general acceptance criteria
Full reversal - customer cancellation.

(Contactless)—Authorization Advices (System-generated)
The following test cases will test whether a customers participating MasterCard PayPass™ Mapping Service
issuer Dual Message authorization application can receive and process Authorization Advices that indicate an
unsuccessful PayPass PAN mapping and return correctly formatted Authorization Advice Responses.
(Contactless)—Authorization Advices (System-generated)
Case DE DE DE 61
ICC CONTACTLESS
Issuer provided PayPass PAN must not be setup for PayPass Mapping Service
1

DE 48, SE 71 = 14Ib (PayPass mapping invalid)
DE 60, SF 1 = 140 (unable to convert PayPass) account number)

1-225
1-226

(Contactless)—Authorization Advices (Acquirer-generated)
The following test cases will test whether an issuer's MasterCard PayPass™ Mapping Service issuer Dual
Message authorization application can receive and process Authorization Advices that have undergone
mapping from the PayPass PAN to the real PAN and return correctly formatted Authorization Advice Responses.
(Contactless)—Authorization Advices (Acquirer-generated)
Case DE DE DE 61
ICC CONTACTLESS
1 DE 48, SE 33 = PayPass PAN information
DE 48, SE 71 = 14Cb (PayPass Mapping Service completed)
DE 55 is present; track data (DE 35 or DE 45) is not present


Indicator—Authorization Requests and Reversals
The following test cases will test whether an issuer's Dual Message application is able to receive Authorization
Requests and Reversals containing the optional Device Type Indicator in DE 48, SE 23, SF 1 (Device Type)
and send correctly formatted Authorization Responses.
Table 1.102—Table 0954001—Issuer Debit MasterCard—ICC Product and Services—Device Type Indicator—Authorization Requests
and Reversals
Case DE DE DE 61
ICC CONTACTLESS
1 0400 1 N/A DE 39 = 17 00
DE 48, SE 23, SF 1 = 00 (Card)

0400: Full reversal - customer cancellation

ICC CONTACTLESS

1-227
Chapter 2 Dual Message Clearing—Issuer Debit
MasterCard
validation of a customer's Dual Message clearing application.
Introduction ................................................................................................................................... 2-1

Member-generated File ............................................................................................................ 2-2
Base Testing....................................................................................................................... 2-3
1910001—Issuer Debit MasterCard—Member-generated File ...................................... 2-4
Products and Services ........................................................................................................ 2-7
1910101—Issuer Debit MasterCard—Member-generated File—Large Amount ............ 2-8
1910201—Issuer Debit MasterCard—Member-generated File—MasterCard
PayPass........................................................................................................................ 2-9
1910301—Issuer Debit MasterCard—Member-generated File—MasterCard Mobile
Remote Payments ...................................................................................................... 2-10
File Generated by MasterCard ............................................................................................... 2-11
Base Testing..................................................................................................................... 2-11
1920001—Issuer Debit MasterCard—File Generated by MasterCard ......................... 2-12
1920202—Issuer Debit MasterCard—MSR Base—File Generated by
MasterCard—MasterCard MoneySend—Payment Transaction Processing .................. 2-22
Products and Services ...................................................................................................... 2-23
1920101—Issuer Debit MasterCard—File Generated by MasterCard—Large
Amount ...................................................................................................................... 2-24
1920201—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard
MoneySend Funding Transaction Processing ............................................................. 2-25
PayPass...................................................................................................................... 2-26
1920401—Issuer Debit MasterCard—File Generated by MasterCard—Extended
Decimal Precision Service.......................................................................................... 2-27
Hosted Mobile Phone Top-Up ................................................................................... 2-28
1920601—Issuer Debit MasterCard—File Generated by MasterCard—ATM Access
Fee Option for European Acquirers........................................................................... 2-29
1920701—Issuer Debit MasterCard—File Generated by MasterCard—Introduction
of Account Level Management in Europe.................................................................. 2-30
of Account Level Management Product Graduation Service in Australia ................... 2-31

Dual Message Clearing—Issuer Debit MasterCard

of Account Level Management Enhanced Value for Ukraine..................................... 2-32
rePower Load Payment Transaction........................................................................... 2-34
1921001—Issuer Debit MasterCard—File Generated by MasterCard—Identification
of MasterPass Transactions ........................................................................................ 2-35
Test Cases—ICC-based Operations .............................................................................................. 2-36
Member-generated File .......................................................................................................... 2-36
Base Testing..................................................................................................................... 2-36
1930001—Issuer Debit MasterCard—Member-generated File .................................... 2-37
Products and Services ...................................................................................................... 2-38
1930101—Issuer Debit MasterCard—Member-generated File—MasterCard
PayPass...................................................................................................................... 2-39
File Generated by MasterCard ............................................................................................... 2-40
Base Testing..................................................................................................................... 2-40
1940001—Issuer Debit MasterCard—File Generated by MasterCard ......................... 2-41
1940101—Issuer Debit MasterCard—File Generated by MasterCard—PayPass........... 2-43
1960535—Issuer Debit MasterCard—File Generated by MasterCard—Product Code
Enhancements to IRD EZ (Rebate Interchange Programs)......................................... 2-44

Introduction
Introduction
MasterCard business profile during individual application testing and validation
of a customer's issuer Dual Message clearing application.
Separate test cases are provided for magnetic stripe-based operations and for
upgrading to integrated circuit card (ICC)-based operations. Depending on the
nature of a customer's proposed operations, test cases must be selected as
follows:
• For customers undergoing testing and validation for magnetic stripe-based

operations, only those test cases described in the Test Cases—Magnetic
Stripe-based Operations section must be conducted.
• For customers are undergoing testing and validation for both magnetic
stripe-based operations and ICC-based operations, the test cases described
in both the Test Cases—Magnetic Stripe-based Operations section and in
the Test Cases—ICC-based Operations section must be conducted.
• For customers that have been validated for magnetic stripe-based operations
and are now undergoing upgrade testing and validation to additionally
conduct ICC-based operations, only those test cases provided in the Test
Cases—ICC-based Operations section must be conducted.
Within the Test Cases—Magnetic Stripe-based Operations and the Test

Cases—ICC-based Operations sections, test cases are described for both contact
operations and contactless operations. Depending on the nature of a customer's
proposed operations, test cases must be selected as follows:
• For customers undergoing testing and validation for contact operations, only
those test cases described for contact operations must be conducted.
• For customers undergoing testing and validation for both contact operations
and contactless operations, the test cases described for both contact
operations and contactless operations must be conducted.
• For customers that have been validated for contact operations and are
now undergoing upgrade testing and validation to additionally conduct
contactless operations, only those test cases described for contactless
operations must be conducted.
NOTE
If a customer intends to support contactless magnetic stripe-based operations,
the customer must have been previously validated for contact magnetic
stripe-based operations. If a customer intends to support contactless ICC-based
operations, the customer must have been previously validated for upgrade to
standard ICC-based operations.

The following manuals in the Customer Interface Testing Reference document

set provide references to these test cases, indicating when they should be
conducted:
• Offline Validation
• Online Validation

Notation Definition
Where it appears in a SIM or MTF column, indicates the number of messages to
1
be provided.
Where it appears in a SIM or MTF column, indicates the number of messages to
0
be provided.

operations only. Select the appropriate business transactions from the following
tables and conduct the associated test cases.
Member-generated File
The following test cases will test whether a customer’s issuer Dual Message
clearing application can build and send a valid member-generated file that
contain correctly formatted clearing messages. All business transactions
applicable to a customer's business activities are addressed, as are all message
types.
Customers must take into account the following points when building a
member-generated file:

• If customers use multiple reconciliation currencies, the file must contain at

least one example of each of those currencies.
• If customers issue via multiple Member IDs, the file must contain at least
one example of each of those Member IDs.
• The file must contain examples of messages destined to at least three
different acquirer Member IDs.
While the above points must be taken into account, a member-generated

file must still consist of the same message types and number of messages as
indicated in the test case table.
Refer to the Products and Services section for MasterCard® PayPass™

operations.
Base Testing
The base test cases are described below.

2-4

1910001—Issuer Debit MasterCard—Member-generated File
The following test cases will test whether a customer’s issuer Dual Message clearing application can build
and send a valid customer-generated file that contain correctly formatted clearing messages. All business
transactions applicable to a customer's business activities are addressed, as are all message types.
Table 2.2—(1910001)—Issuer Debit MasterCard—Member-generated File
Test Case
ID Test Case Ref No SIM MTF M or C Business Transactions
Retrieval Request/1644—Retrieval Request
Debit MasterCard MSR or MOTO or manual or electronic commerce

1 191000100001 2 1 M
business transaction of member choice (not ATM)
Retrieval Request/1644—Reversal of Retrieval Request

2 191000100002 2 1 M
Chargeback/1442—First Chargeback
3 191000100003 2 1 M Debit MasterCard MSR ATM online PIN
4 191000100004 2 1 M Debit MasterCard MSR purchase signature

5 191000100005 2 1 M Debit MasterCard manual purchase signature1
6 191000100006 2 1 M Debit MasterCard MOTO purchase no CVM1

7 191000100007 2 1 M Debit MasterCard MSR cash advance signature
8 191000100008 2 1 M Debit MasterCard manual cash advance signature1
9 191000100009 2 1 M Debit MasterCard manual payment transaction no CVM1
10 191000100010 2 1 M Debit MasterCard electronic commerce purchase online PIN1
11 191000100011 2 1 M Debit MasterCard electronic commerce purchase no CVM1
1. Although not strictly in the magnetic stripe-based category, manual and electronic commerce business transactions are included for
convenience and clarity of documentation.
Test Case
12 191000100012 2 1 M Debit MasterCard MSR purchase online PIN
13 191000100013 2 1 M Debit MasterCard MSR cash advance online PIN
14 191000100014 2 1 M Debit MasterCard MSR payment transaction no CVM

15 191000100015 2 1 M Debit MasterCard electronic commerce payment transaction no CVM1
16 191000100016 2 1 M Debit MasterCard MSR purchase with cash back signature

17 191000100017 2 1 M Debit MasterCard MSR purchase with cash back online PIN1
Chargeback/1442—Partial First Chargeback
18 191000100018 2 1 M Debit MasterCard business transaction of member choice

Chargeback/1442—Reversal of First Chargeback

Chargeback/1442—Reversal of Partial First Chargeback


Chargeback/1442—Arbitration Chargeback

21 191000100021 2 1 M
Chargeback/1442—Partial Arbitration Chargeback

22 191000100022 2 1 M
Chargeback/1442—Reversal of Arbitration Chargeback

23 191000100023 2 1 M
2-5
2-6

Test Case
Chargeback/1442—Reversal of Partial Arbitration Chargeback

24 191000100024 2 1 M
Fee Collection/1740—Fee Collection other than Retrieval Fee Billing
25 191000100025 2 1 M Not related to a business transaction

Fee Collection/1740—Reversal of Fee Collection other than Retrieval Fee Billing

Tests for products and services are divided into these categories:
MasterCard Mobile Remote Payments

MasterCard® PayPass™
Products and Services
Large Amount
•
•
•
2-8

1910101—Issuer Debit MasterCard—Member-generated File—Large Amount
and send a valid member-generated file that contain correctly formatted clearing messages. All business
transactions applicable to a customer's business activities are addressed, but only for the first message type in
the clearing cycle.
When a chargeback exceeding the large amount limit reaches the clearing system, MasterCard will check if the
corresponding First Presentment was processed for an amount that large. If the Global Clearing Management
System (GCMS) finds a corresponding First Presentment for the large amount, the chargeback is accepted.
Otherwise the chargeback is rejected.
NOTE
Large Amount testing is mandatory for customers in the South Asia/Middle East/Africa (SAMEA) region.
Table 2.3—(1910101)—Issuer Debit MasterCard—Member-generated File—Large Amount
Test Case
Debit MasterCard MSR purchase signature (amount greater than USD

1 191010100001 N/A 1 M
20,000)
Debit MasterCard MSR purchase signature (amount in a different
2 191010100002 N/A 1 M
currency than USD and greater than USD 20,000 when converted)
1910201—Issuer Debit MasterCard—Member-generated File—MasterCard PayPass
and send a valid member-generated file that contain correctly formatted clearing messages. All business
the clearing cycle.
Table 2.4—(1910201)—Issuer Debit MasterCard—Member-generated File—MasterCard PayPass
Test Case
1 191020100001 2 1 M Debit MasterCard MSR contactless ATM online PIN

2 191020100002 2 1 M Debit MasterCard MSR contactless purchase signature
3 191020100003 2 1 M Debit MasterCard MSR contactless cash advance signature
4 191020100004 2 1 M Debit MasterCard MSR contactless purchase online PIN

5 191020100005 2 1 M Debit MasterCard MSR contactless cash advance online PIN

6 191020100006 2 1 M Debit MasterCard MSR Contactless CAT 4 Purchase No CVM

7 191020100007 2 1 M Debit MasterCard MSR Contactless Purchase with Cash Back Signature
Debit MasterCard MSR Contactless Purchase with Cash Back Online
8 191020100008 2 1 M
PIN
2-9
2-10

1910301—Issuer Debit MasterCard—Member-generated File—MasterCard Mobile Remote Payments
The following test cases will test whether a customer’s issuer Dual Message clearing application is able to
build and send a valid member-generated file for MasterCard Mobile Remote Payments in clearing messages.
All business transactions applicable to a customer’s business activities are addressed, but only for the first
message type in the clearing cycle.
NOTE
These test cases apply to issuers that participate in MasterCard Mobile Remote Payments.
Table 2.5—(1910301)—Issuer Debit MasterCard—Member-generated File—MasterCard Mobile Remote Payments
Test Case
Debit MasterCard Server Purchase no CVM

DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third
party vendor system])

PDS 0194 = 1 (Issuer Domain)

DE 25 = 4807 (Warning Bulletin), 4808 (Requested/required
authorization not obtained), 4812 (Account number was not on file),
1 191030100001 1 1 C 4831 (Transaction amount differs), 4834 (Duplicate processing), 4842
(Late presentment), 4847 (Fraudulent transaction; exceeds qualified
limit and not authorized), 4853 (Cardholder Dispute Defective/Not
as Described), 4854 (Cardholder dispute not elsewhere classified
[U.S. only]), 4855 (Non-receipt of merchandise), 4859 (Services
not rendered), 4860 (Credit not processes), or 4999 (Domestic
Chargeback Dispute)
File Generated by MasterCard

clearing application can receive and process valid files generated by MasterCard
that contain clearing messages. All business transactions applicable to a
customer's business activities are addressed, as are all message types.
The following points will be taken into account when building the files
generated by MasterCard for transmission to a customer's host:
• If customers use multiple reconciliation currencies, the file will contain at

least one example of each of those currencies.
• If customers issue via multiple Member IDs, a file will be provided for
each of those Member IDs.
• Each Financial Detail Addendum message will be preceded by a First
Presentment in the file.
• The file will contain examples of messages originating from at least three
different acquirer Member IDs.
Customers must confirm that the files generated by MasterCard have been
received and successfully processed by their host.

operations.
Base Testing

2-12

1920001—Issuer Debit MasterCard—File Generated by MasterCard
The following test cases will test whether a customer’s issuer Dual Message clearing application can receive
and process valid files generated by MasterCard that contain clearing messages. All business transactions
applicable to a customer's business activities are addressed, as are all message types.
Table 2.6—(1920001)—Issuer Debit MasterCard—File Generated by MasterCard
Test Case
Presentment/1240—First Presentment


5 192000100005 1 1 M Debit MasterCard MSR CAT level 1 purchase online PIN

6 192000100006 1 1 M Debit MasterCard MSR CAT level 2 purchase no CVM

12 192000100012 1 1 C Debit MasterCard MSR CAT level 7 purchase signature3
2. Although not strictly in the magnetic stripe-based category, manual and electronic commerce business transactions are included for
convenience and clarity of documentation.
3. This business transaction is defined as having no specific constraints on Point of Service Entry Mode and/or Cardholder Verification
Method during authorization. It could therefore also be present as other transaction types. To not complicate the profiles, it has been
included as this transaction type only.
Test Case


Financial Detail Addendum/1644—Financial Detail Addendum
21 192000100021 1 1 C Passenger Transport Detail–General Ticket Information

22 192000100022 1 1 C Passenger Transport Detail–Trip Leg Data
23 192000100023 1 1 C Vehicle Rental Detail

24 192000100024 1 1 C Lodging Summary

25 192000100025 1 1 C Temporary Services
26 192000100026 1 1 C Shipping/Courier Services

27 192000100027 1 1 C Electronic Invoice–Transaction Data
28 192000100028 1 1 C Electronic Invoice–Party Information
29 192000100029 1 1 C Payment Transaction Detail
30 192000100030 1 1 C Telephony Billing–Summary
31 192000100031 1 1 C Telephony Billing–Detail
32 192000100032 1 1 C Corporate Card Common Data Requirements
33 192000100033 1 1 C Corporate Line Item Detail
2-13
34 192000100034 1 1 C Corporate Fleet Transaction Information

2-14

Test Case
35 192000100035 1 1 C Generic Detail
36 192000100036 1 1 C Passenger Transport Detail—Rail Data

37 192000100037 1 1 C Travel Agency Detail
38 192000100038 1 1 C Lodged Account Detail
39 192000100039 1 1 C Healthcare
Presentment/1240—Reversal of Presentment




Test Case

Fee Collection/1740—Retrieval Fee Billing




2-15
2-16

Test Case

Fee Collection/1740—Reversal of Retrieval Fee Billing





Test Case

Presentment/1240—Second Presentment




108 192000100108 1 1 M Debit MasterCard manual payment transaction Debit no CVM2

2-17
2-18

Test Case
Presentment/1240—Partial Second Presentment





Test Case
Presentment/1240—Full Reversal of Second Presentment




2-19
2-20

Test Case
Presentment/1240—Partial Reversal of Second Presentment

161 192000100161 1 1 M Debit MasterCard MO/TO purchase no CVM2




Test Case
Fee Collection/1740—Fee Collection other than Retrieval Fee Billing

Fee Collection/1740—Reversal of Fee Collection other than Retrieval Fee Billing

2-21
2-22

1920202—Issuer Debit MasterCard—MSR Base—File Generated by MasterCard—MasterCard
MoneySend—Payment Transaction Processing
The following test cases will test whether a customer’s issuer Dual Message clearing application can receive a
valid file generated by MasterCard that contains correctly formatted MasterCard® MoneySend™ Transaction
clearing messages. All business transactions applicable to a customer's business activities are addressed, but
only for the first message type in the clearing cycle.
Table 2.7—(1920202)—Issuer Debit MasterCard—MSR Base—File Generated by MasterCard—MasterCard MoneySend—Payment
Transaction Processing
Test Case Test Case Ref

ID No SIM MTF M or C Business Transactions
Debit MasterCard Manual Payment Transaction No CVM
DE 2 = MasterCard
DE 3, SF 1 = 28 (Payment Transaction)
DE 4 = amount less than or equal to 2500 USD or its equivalent

DE 26 = 6536 (Intra-country) or 6537 (Inter-Country)

PDS 0023 (Terminal Type) = NAb (Not a CAT transaction)
Debit MasterCard Manual payment transaction no CVM
1 192020200001 1 1 C DE 2 = Debit MasterCard
DE 3, SF 1 = 28 (Payment Transaction)
DE 26 = 6536 (Intracountry) or 6537 (Inter-Country)
PDS 0023 Terminal Type is ATM
PDS 0043 = C07 (MasterCard MoneySend)
PDS 0158, SF 04 = MS
Financial Detail Addendum 1644-696 (PDS 0670 SF 1, SF 2, SF 3, SF 4, SF 5,
SF 6 = [Present], PDS 0671 = [Present] and PDS 0674 = [Present])

Tests for products and services are divided into these categories:
• Large Amount
• MasterCard® MoneySend™ Funding Transaction Processing
• Payment Transaction Processing
• MasterCard® PayPass™
• Extended Decimal Precision Service
• MasterCard Hosted Mobile Phone Top-Up
• ATM Access Fee Option for European Acquirers
• Introduction of Account Level Management in Europe
• Introduction of Account Level Management Product Graduation Service in Australia
• Introduction of Account Level Management Enhanced Value for Ukraine
• Modifications to Debit Interchange Structure—Small Ticket

2-23
2-24

1920101—Issuer Debit MasterCard—File Generated by MasterCard—Large Amount
applicable to a customer's business activities are addressed, but only for the first message type in the clearing
cycle.
Customers must confirm that the files generated by MasterCard have been received and successfully processed
by a customer’s host.
Table 2.8—(1920101)—Issuer Debit MasterCard—File Generated by MasterCard—Large Amount
Test Case
Debit MasterCard MSR purchase signature (exceeding the large

1 192010100001 N/A 1 M
amount limit in USD)
Debit MasterCard MSR purchase signature (exceeding the large

2 192010100002 N/A 1 M
amount limit in a different currency than USD)

1920201—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard MoneySend Funding

Transaction Processing
valid file generated by MasterCard that contains correctly formatted MasterCard® MoneySend™ Transaction
clearing messages. All business transactions applicable to a customer's business activities are addressed, but
only for the first message type in the clearing cycle.
Table 2.9—(1920201)—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard MoneySend Funding Transaction
Processing

Debit MasterCard MSR Purchase Online PIN
DE 3, SF 1 = 00 (Purchase)
1 192020100001 1 1 C DE 26 = 6538 (for MoneySend CAB Program, MON1)
PDS 0023 Terminal Type is ATM
PDS 0158, SF 4 = MS

Debit MasterCard MSR Purchase Signature

PDS 0023 Terminal Type is bank branch (NAb)
PDS 0158, SF 4 = MS
PDS 0023 Terminal Type is CT2
PDS 0158, SF 4 = MS
Debit MasterCard MSR Purchase no CVM
PDS 0023 Terminal Type is CT6
2-25
PDS 0158, SF 4 = MS
2-26

1920301—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard PayPass
cycle.
by their host.
Table 2.10—(1920301)—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard PayPass
Test Case
1 192030100001 1 1 M Debit MasterCard MSR contactless ATM online PIN
2 192030100002 1 1 M Debit MasterCard MSR contactless purchase signature
3 192030100003 1 1 M Debit MasterCard MSR contactless CAT level 1 purchase online PIN
4 192030100004 1 1 M Debit MasterCard MSR contactless CAT level 2 purchase no CVM

5 192030100005 1 1 M Debit MasterCard MSR contactless CAT level 3 purchase no CVM
6 192030100006 1 1 M Debit MasterCard MSR contactless cash advance signature

7 192030100007 1 1 M Debit MasterCard MSR contactless purchase online PIN
8 192030100008 1 1 M Debit MasterCard MSR contactless cash advance online PIN
9 192030100009 2 1 M Debit MasterCard MSR Contactless CAT 4 Purchase No CVM
10 192030100010 2 1 M Debit MasterCard MSR Contactless Purchase with Cash Back Signature
Debit MasterCard MSR Contactless Purchase with Cash Back Online
11 192030100011 2 1 M
PIN
1920401—Issuer Debit MasterCard—File Generated by MasterCard—Extended Decimal Precision

Service
The following test case will test whether a customer’s issuer Dual Message clearing application can receive
a valid file generated by MasterCard that contains correctly formatted clearing messages. All business
the clearing cycle.
NOTE
This test case applies to the business service arrangements participating in the Extended Decimal Precision
Service only.
The business service arrangements participating in the Extended Decimal Precision Service can be found in the
IPM Member Profile Extract (MPE) Table IP0098T1.
Table 2.11—(1920401)—Issuer Debit MasterCard—File Generated by MasterCard—Extended Decimal Precision Service


Debit MasterCard MSR purchase signature
1 192040100001 1 1 M
(Contains PDS 0147 [Extended Precision Amounts])

2-27
2-28

1920501—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard Hosted Mobile
Phone Top-Up
valid file generated by MasterCard that contains MasterCard Hosted Mobile Phone Top-Up clearing messages.
All business transactions applicable to a customer’s business activities are addressed, but only for the first
message type in the clearing cycle.
NOTE
Applies to all intra-European Business Service Arrangements.
Table 2.12—(1920501)—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard Hosted Mobile Phone Top-Up

Debit MasterCard MSR Purchase Online PIN

DE 2 = MasterCard/Debit MasterCard/Maestro PAN

DE 3, SF 1 = 00 (Purchase [Goods and Services])

1 192050100001 1 1 M
DE 26 = MCC from Cab Program T002
PDS 0023 = CT1 (CAT 1 terminal)
PDS 0158, SF 04 = AL or MT (AL has a Timeliness requirement; MT does not)
1920601—Issuer Debit MasterCard—File Generated by MasterCard—ATM Access Fee Option for

European Acquirers
The following test case will test whether a customer’s issuer Dual Message clearing application can receive a
valid file generated by MasterCard that contains the ATM Access Fee Option in clearing messages. All business
transactions applicable to a customer’s business activities are addressed, but only for the first message type in
the clearing cycle.
NOTE
The application of ATM Access Fees to intracountry (domestic) ATM Cash Withdrawal transactions is only valid
in select European countries. As and when approved by applicable governing bodies, additional countries
will be announced.
Table 2.13—(1920601)—Issuer Debit MasterCard—File Generated by MasterCard—ATM Access Fee Option for European Acquirers

Debit MasterCard MSR ATM online PIN

DE 2 = MasterCard/Debit MasterCard/Cirrus/Maestro PAN
DE 3, SF 01 = 01 (ATM Cash Withdrawal transactions only)
DE 004 = Sum of transaction amount and ATM Access Fee Amount

1 192060100001 1 1 M
DE 26 = 6011 (Customer Financial Institution—Automated Cash
Disbursements)
DE 54, SF 02 = 42 (Amount, Surcharge)
DE 54, SF 05 = the cardholder-accepted ATM access fee amount
2-29
2-30

1920701—Issuer Debit MasterCard—File Generated by MasterCard—Introduction of Account Level
Management in Europe
The following test cases will test whether an issuer’s Dual Message clearing application is able to receive a
valid file generated by MasterCard for the Introduction of Account Level Management in Europe in clearing
messages. All business transactions applicable to customers’ business activities are addressed, but only for the
first message type in the clearing cycle.
NOTE
These test cases apply to Issuers in the Europe Region D, European Economic Area (EEA) subregion.
These Test cases require the use of issuer Test Account Numbers set up for Account Level Management testing.
These Test Cases require the use of existing Intra-EEA IRD's available in the Interchange Manual- Europe Region.
Please contact your CIS representative for ALM test setups.
Table 2.14—(1920701)—Issuer Debit MasterCard—File Generated by MasterCard—Introduction of Account Level Management in

Europe
Test
Case Test Case Ref M or

ID No SIM MTF C Business Transactions
Debit MasterCard Manual Purchase Transaction no CVM

DE 63 = Valid Graduated Product
1 192070200001 1 1 C
PDS 0158 subfield 12 = P
Intra-EEA PG Issuer
Debit MasterCard Manual Purchase Transaction no CVM
EV Transaction
2 192070200002 1 1 C
PDS 0158 subfield 12 = B
Intra-EEA EV Issuer
EV and PG participant
3 192070200003 1 1 C
PDS 0158 subfield 12 = M
Intra-EEA EV/PG Issuer

Management Product Graduation Service in Australia
The following cases will test whether a customer’s issuer Dual Message clearing application is able to receive
a valid file generated by MasterCard for the Introduction of Account Level Management Product Graduation
Service in Australia in clearing messages. All business transactions applicable to a customer’s business
activities are addressed, but only for the first message type in the clearing cycle.
NOTE
These test cases apply to Issuers in Australia for Product Graduation testing.
No new interchange programs are currently being introduced for Product Graduation services offered in
Australia. For transactions that qualify for Product Graduation, the interchange program submitted must
be valid for the product code in DE 63, subfield 2.
The list of consumer credit and debit card products in Australia that are eligible for Product Graduation can be
found in the Dual Message System Release 12.Q2 Document.
Table 2.15—(1920702)—Issuer Debit MasterCard—File Generated by MasterCard—Introduction of Account Level Management
Product Graduation Service in Australia

Test Case


DE 38 (Approval Code) position 6 = P (Account qualifies for Product
Graduation)
1 192070200001 1 1 M DE 63 (Transaction Life Cycle) = graduated product in subfield 2 (Trace
ID) as provided in the Authorization Request Response/0110 message
for determining the appropriate interchange program to be submitted
in clearing
DE 38 (Approval Code) position 6 = Z (Account does not participate
2 192070200002 1 1 M in Account Level Management processing although the account range
does participate)
DE 63 (Transaction Life Cycle) Subfield 2 (Trace ID) = licensed product
2-31
2-32

Management Enhanced Value for Ukraine
a valid file generated by MasterCard for the Introduction of Account Level Management Enhanced Value for
Ukraine clearing messages. All business transactions applicable to customers’ business activities are addressed,
but only for the first message type in the clearing cycle.
NOTE
MasterCard is not creating new interchange programs to support this enhancement. The Ukraine Business
Service Arrangement (BSA) 4/804001 will be set up with new Rate Type 020 on the existing interchange
rate designators (IRDs).
The list of consumer credit and debit card products in Ukraine that are eligible for Enhanced Value can be found
in the Dual Message System Release 12.Q2 Document.
Table 2.16—(1920703)—Issuer Debit MasterCard—File Generated by MasterCard—Introduction of Account Level Management

Enhanced Value for Ukraine
Test Case


DE 38, POSITION 6 (Account Level Management Indicator ) = B
1 192070300001 1 1 C DE 63 must be present
PDS 0158 SF 12 = B (Enhanced Value)
Ukraine Enhanced Value Issuer
Debit MasterCard Manual Purchase Signature
Test Case
Debit MasterCard Electronic Commerce Purchase No CVM
Debit MasterCard MOTO Purchase No CVM

2-33
2-34

1920901—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard rePower Load
Payment Transaction
The following test case will test whether a customer's issuer Dual Message clearing application can receive a
valid file generated by MasterCard that contains correctly formatted MasterCard rePower load payment
transaction clearing messages. All business transactions applicable to a customer's business activities are
addressed, but only for the first message type in the clearing cycle.
NOTE
Issuer Account Range must be included in the Business Service Arrangement (BSA) X/000509 to qualify for
IRD ER.
Table 2.17—(1920901)—Issuer Debit MasterCard—File Generated by MasterCard—MasterCard rePower Load Payment Transaction
Test
Case ID Test Case Ref No SIM MTF M or C Business Transactions
Debit MasterCard MSR Payment Transaction No CVM

1 192090100001 1 1 C DE 26 (Card Acceptor Business [MCC] Code) = 6532 (Payment

Transaction—Member Financial Institution) or 6533 (Payment
Transaction- Merchant)
1921001—Issuer Debit MasterCard—File Generated by MasterCard—Identification of MasterPass

Transactions
a file generated by MasterCard for the Identification of MasterPass transactions clearing messages. All business
transactions applicable to customers’ business activities are addressed, but only for the first message type in
the clearing cycle.
Table 2.18—1921001—Issuer Debit MasterCard—File Generated by MasterCard—Identification of MasterPass Transactions
Test
Case ID Test Case Ref No SIM MTF M or C Business Transactions
1 192100100001 1 1 M Debit MasterCard Electronic Commerce Purchase No CVM

PDS 0023 = CT6
PDS 0207 = 101 (PPOL Remote)
2 19210100002 Debit MasterCard Electronic Commerce Purchase No CVM
PDS 0023 = CT6

PDS 0207 = 102 (PPOL Remote NFC Payment)

2-35

The test cases listed in this section are applicable when upgrading to integrated
circuit card (ICC)-based operations. Select the appropriate business transactions
from the following tables and conduct the associated test cases.
NOTE
If customers support ICC-based operations, all of the ICC-based business
transactions become mandatory and therefore preselected, with the possible
exception of offline PIN-based transactions, which customers may have chosen
not to support.
Member-generated File
clearing application can build and send a valid member-generated file that
contains correctly formatted clearing messages. All business transactions
applicable to a customer's business activities are addressed, as are all message
types affected by integrated circuit card (ICC)-based operations.

operations.
Base Testing

1930001—Issuer Debit MasterCard—Member-generated File
and send a valid member-generated file that contains correctly formatted clearing messages. All business
transactions applicable to a customer's business activities are addressed, as are all message types affected
by integrated circuit card (ICC)-based operations.
Table 2.19—(1930001)—Issuer Debit MasterCard—Member-generated File
Test Case
Chargeback/1442-First Chargeback
1 193000100001 2 1 M Debit MasterCard ICC ATM online PIN
2 193000100002 2 1 M Debit MasterCard ICC purchase signature
3 193000100003 2 1 C Debit MasterCard ICC purchase offline PIN
4 193000100004 2 1 M Debit MasterCard ICC cash advance signature

5 193000100005 2 1 C Debit MasterCard ICC cash advance offline PIN

6 193000100006 2 1 M Debit MasterCard ICC purchase online PIN
7 193000100007 2 1 M Debit MasterCard ICC cash advance online PIN
8 193000100008 2 1 M Debit MasterCard ICC payment transaction no CVM
Debit MasterCard ICC purchase with cash back offline PIN, or
9 193000100009 2 1 M

Debit MasterCard ICC purchase with cash back online PIN
2-37
This section contains test cases only for MasterCard® PayPass™.
1930101—Issuer Debit MasterCard—Member-generated File—MasterCard PayPass
and send a valid member-generated file that contains correctly formatted clearing messages. All business
the clearing cycle.
Table 2.20—(1930101)—Issuer Debit MasterCard—Member-generated File—MasterCard PayPass
Test Case
1 193010100001 2 1 M Debit MasterCard ICC contactless ATM online PIN

2 193010100002 2 1 M Debit MasterCard ICC contactless purchase signature
3 193010100003 2 1 M Debit MasterCard ICC contactless cash advance signature
4 193010100004 2 1 M Debit MasterCard ICC contactless purchase online PIN

5 193010100005 2 1 M Debit MasterCard ICC contactless cash advance online PIN

6 193010100006 2 1 M Debit MasterCard ICC Contactless CAT 4 Purchase No CVM
7 193010100007 2 1 M Debit MasterCard ICC Contactless Purchase with Cash Back Signature
Debit MasterCard ICC Contactless Purchase with Cash Back Online
8 193010100008 2 1 M
PIN

2-39
File Generated by MasterCard

clearing application can receive and process valid files generated by MasterCard
that contain clearing messages. All business transactions applicable to a
customer's business activities are addressed, as are all message types affected
by integrated circuit card (ICC)-based operations.
Customers must confirm that the files generated by MasterCard have been
received and successfully processed by their host.

operations.
Base Testing

1940001—Issuer Debit MasterCard—File Generated by MasterCard
applicable to a customer's business activities are addressed, as are all message types affected by integrated
circuit card (ICC)-based operations.
Table 2.21—(1940001)—Issuer Debit MasterCard—File Generated by MasterCard
Test Case

Debit MasterCard ICC CAT level 1 purchase online PIN, or

4 194000100004 1 1 M
Debit MasterCard ICC CAT level 1 purchase offline PIN

5 194000100005 1 1 M Debit MasterCard ICC CAT level 2 purchase no CVM



13 194000100013 1 1 M
2-41
2-42

Test Case
Presentment/1240—Reversal of Presentment

Debit MasterCard ICC CAT level 1 purchase online PIN, or

17 194000100017 1 1 M
Debit MasterCard ICC CAT level 1 purchase offline PIN



26 194000100026 1 1 M
1940101—Issuer Debit MasterCard—File Generated by MasterCard—PayPass
cycle.
by their host.
Table 2.22—(1940101)—Issuer Debit MasterCard—File Generated by MasterCard—PayPass
Test Case
1 194010100001 1 1 M Debit MasterCard ICC contactless ATM online PIN
2 194010100002 1 1 M Debit MasterCard ICC contactless purchase signature
3 194010100003 1 1 M Debit MasterCard ICC contactless CAT level 1 purchase online PIN

4 194010100004 1 1 M Debit MasterCard ICC contactless CAT level 2 purchase no CVM
5 194010100005 1 1 M Debit MasterCard ICC contactless CAT level 3 purchase no CVM
6 194010100006 1 1 M Debit MasterCard ICC contactless cash advance signature

7 194010100007 1 1 M Debit MasterCard ICC contactless purchase online PIN

8 194010100008 1 1 M Debit MasterCard ICC contactless cash advance online PIN
9 194010100009 2 1 M Debit MasterCard ICC Contactless CAT 4 Purchase No CVM
10 194010100010 2 1 M Debit MasterCard ICC Contactless Purchase with Cash Back Signature
Debit MasterCard ICC Contactless Purchase with Cash Back Online

11 194010100011 2 1 M
PIN
2-43
2-44

1960535—Issuer Debit MasterCard—File Generated by MasterCard—Product Code Enhancements to
IRD EZ (Rebate Interchange Programs)
The following test case will test whether an issuer Dual Message clearing application is able to receive
a valid MasterCard-generated file for the Product Code Enhancements to IRD EZ (Rebate Interchange
Programs) clearing messages.
by their host.
Table 2.23—(1960535)—Issuer Debit MasterCard—File Generated by MasterCard—Product Code Enhancements to IRD EZ (Rebate
Interchange Programs)

Debit MasterCard Manual Payment Transaction no CVM
DE 3, SF 1 = 28 (Payment)
DE 26 = DMC from Cab Program D001—Payment Transactions

PDS 0043 = C02 (Rebate)

1 196053500001 1 1 C
PDS 0158, SF 4 = EZ
PDS 0170, SF 1 should contain the customer service phone number
PDS 0173 (Legal Corporate Name) is required
PDS 0175 should contain the customer URL
Chapter 3 Dual Message Integrated Authorization and
Clearing—Issuer Debit MasterCard
validation of a customer's Dual Message integrated authorization and clearing application.
Introduction ................................................................................................................................... 3-1

Test Cases—Issuer Debit MasterCard............................................................................................. 3-2
2850001—Issuer Debit MasterCard—Base Testing................................................................... 3-3
2850101—Issuer Debit MasterCard—Products and Services .................................................... 3-7
Message Flows—Issuer Debit MasterCard—Mandatory Business Transactions............................ 3-10
2850201—Test Procedures—Mandatory Business Transactions ............................................. 3-11
Message Flows—Issuer Debit MasterCard—Conditional Business Transactions .......................... 3-15
2850301—Test Procedures—Conditional Business Transactions............................................ 3-16

Dual Message Integrated Authorization and Clearing—Issuer Debit MasterCard
Introduction
Introduction
MasterCard business profile during integrated application testing and validation
of a customer’s issuer Dual Message authorization and clearing applications.
NOTE
When conducted for the purposes of an integrated testing, these test cases are
designed to take two days for ATM transactions, and three days for non-ATM
transactions. When conducted for customers own testing purposes, no specific
time limits apply.
Customers must always conduct the test cases provided for contact magnetic
stripe-based operations. If customers support contact integrated circuit card
(ICC)-based operations, they must also conduct the test cases provided for
contact ICC-based operations.
If customers support contactless magnetic stripe-based operations, they must

also conduct the test cases provided for contactless magnetic stripe-based
operations.
If customers support contactless ICC-based operations, they must also conduct

the test cases provided for contactless ICC-based operations and for contact
ICC-based operations.
ICC testing (contact and contactless) is only conducted offline. Therefore, all
integrated testing should use the MasterCard Authorization Simulator (MAS) for
0100, 0400, and 0420 messages; and the MasterCard Clearing and Presentment
Simulator (MCPS) for 1240 messages.
The Online Validation manual in the Customer Interface Testing Reference

document set provides references to these test cases, indicating when they
should be conducted.

Notation Definition
1 Indicates the number of messages to be provided.

Test Cases—Issuer Debit MasterCard
Notation Definition
0 Indicates the number of messages to be provided.
— Indicates that members do not have to send, or will not receive, any messages
normally indicated in that column.

authorization and clearing applications are able to successfully process the
complete transaction life cycle by addressing all messages exchanged during
authorization, clearing, and any subsequent exception cycle. The customer’s
applications must also verify that the data used in any message is compliant
with that used in previous messages in the life cycle.
The test cases cover all possible business transactions for this business profile.
However, customers only need to address the mandatory business transactions
(marked as M), together with those conditional business transactions (marked
as C) applicable to their proposed business activity.
NOTE
During integrated application testing for purposes of an integrated testing,
customers must be capable of supporting all six Global Clearing Management
System (GCMS) clearing cycle cut-off times.
For integrated application testing and validation to be successful for integrated

testing purposes, customers must successfully process both the ATM and the
non-ATM transactions.

2850001—Issuer Debit MasterCard—Base Testing

This table lists the test cases applicable to the Issuer Debit MasterCard business profile. Select the appropriate
business transactions in the table and follow the message flows described.
If customers support integrated circuit card (ICC)-based operations, all of the ICC-based business transactions
should additionally be selected, with the possible exception of offline PIN-based transactions which customers
may have chosen not to support.

Table 3.2—(2850001)—Issuer Debit MasterCard—Base Testing
0400
0100 /0420
Mes- Mes-
sages sages 1240 Messages
Test No. No.
Case Test Card of 01 RC in of RC in RC in No. of
ID Test Case Ref No M or C Business Transactions ID 00s 0110 Rev Rev Resp 1240s
ATM Transactions:
DMC_001 1 17 00 –
2 00
–010
1 32 00 1
DMC_001
Debit MasterCard MSR 1 00 – – – 1
1 285000100001 M –010
ATM Online PIN

DMC_017 1 51 – – – –
DMC_022 1 55 – – – –
DMC_019 1 57 – – – –
3-3
3-4

0400
0100 /0420
Mes- Mes-
Test No. No.
Non-ATM Transactions:
DMC_001 1 17 00 –
2 00
–010 1 32 00 1
DMC_001
1 00 – – – 1
Debit MasterCard MSR –010
2 285000100002 M
purchase signature
DMC_013 1 05 – – – –
DMC_013 1 51 – – – –
DMC_020 1 61 – – – –
Debit MasterCard manual DMC_001

3 285000100003 M 1 00 – – – 1
purchase signature –010
Debit MasterCard MOTO DMC_001

4 285000100004 M 1 00 – – – 1
purchase no CVM –010
Debit MasterCard MSR

DMC_001
5 285000100005 M CAT level 1 purchase 1 00 – – – 1
–010
online PIN
DMC_001
6 285000100006 M CAT level 2 purchase no 1 00 – – – 1
–010
CVM
DMC_001
7 285000100007 C CAT level 3 purchase no n/a n/a n/a n/a n/a 1
–010
CVM1
1. CAT level 3 terminals operate in offline mode, therefore online Authorization Requests are not possible. However, the First Presentment
derived from the offline authorization can be tested.
0400
0100 /0420
Mes- Mes-
Test No. No.

DMC_001
8 285000100008 M CAT level 4 purchase no 1 00 – – – 1
–010
CVM
Debit MasterCard
DMC_001
9 285000100009 M electronic commerce 1 00 – – – 1
–010
purchase online PIN
Debit MasterCard
DMC_001
10 285000100010 M electronic commerce 1 00 – – – 1
–010
purchase no CVM
Debit MasterCard MSR DMC_001
11 285000100011 M 1 00 – – – 1
cash advance signature –010
Debit MasterCard manual DMC_001

12 285000100012 M 1 00 – – – 1
cash advance signature –010
Debit MasterCard manual

DMC_001
13 285000100013 M payment transaction no 1 00 – – – 1
–010
CVM

DMC_001
14 285000100014 C CAT level 7 purchase 1 00 – – – 1
–010
signature2
15 285000100015 M 1 00 – – – 1
purchase online PIN –010
Method. It could therefore also be present as other transaction types. To not complicate the business profiles, it has been included
3-5
as this transaction type only.

3-6

0400
0100 /0420
Mes- Mes-
Test No. No.
16 285000100016 M 1 00 – – – 1
cash advance online PIN –010

DMC_001
17 285000100017 M purchase with cash back 1 00 – – – 1
–010
signature

DMC_001
18 285000100018 M purchase with cash back 1 00 – – – 1
–010
online PIN

DMC_001
19 285000100019 M payment transaction no 1 00 – – – 1
–010
CVM
Debit MasterCard
electronic commerce DMC_001
20 285000100020 M 1 00 – – – 1
payment transaction no –010
CVM
2850101—Issuer Debit MasterCard—Products and Services

This table lists the test cases applicable to the Issuer Debit MasterCard business profile. Select the appropriate
business transactions in the table and follow the message flows described.
If customers support integrated circuit card (ICC)-based operations, all of the ICC-based business transactions
should additionally be selected, with the possible exception of offline PIN-based transactions which customers
may have chosen not to support.

Table 3.3—(2850101)—Issuer Debit MasterCard—Products and Services
0400
0100 /0420
Mes- Mes-
Test No. No.
Case Test Case Ref of RC in of RC in RC in No. of
ID No M or C Business Transactions Test Card ID 0100s 0110 Rev Rev Resp 1240s
ATM Transactions:
ICC-based Operations
The following conditions must be fulfilled with all ICC-based Authorization Request Response/0110 Messages:
• When present in Authorization Request Messages, DE 52 (PIN Data) must be validated successfully by the issuer.
• When DE 55 (ICC System Related Data) is present, the Authorization Response Cryptogram (ARPC) present in Tag 91 must be

successfully validated by the simulator.
• When DE 55 (ICC System Related Data) is present, the Authorization Response Code (ARC) present in Tag 91 just after the ARPC must
be a valid value according to the Card Application used. The ARC exists in various lengths, formats and contents. Here are some
of the most commonly used formats:
– M/Chip 2 and UKIS—the ARC must be the binary representation of the two ASCII bytes representing the response code given by
the card issuer (may differ from the value contained in DE 39 [Response Code]).
– M/Chip 4—the ARC must contain two binary bytes, and must be a valid M/Chip 4 value, according to the M/Chip 4 Version 1.1
Card Application Specifications manual.
Debit MasterCard ICC ATM – – –

1 285010100001 C 101–105 1 00 1
online PIN
3-7
3-8

0400
0100 /0420
Mes- Mes-
Test No. No.
Non-ATM Transactions:
ICC-based operations
Debit MasterCard ICC – – –

2 285010100002 C 101–105 1 00 1
purchase signature
3 285010100003 C 101–105 1 00 1
purchase offline PIN
Debit MasterCard ICC CAT – – –
4 285010100004 C 101–105 1 00 1
level 1 purchase online PIN

5 285010100005 C 101–105 1 00 1
level 2 purchase no CVM
Debit MasterCard ICC CAT
6 285010100006 C 101–105 n/a n/a n/a n/a n/a 1
level 3 purchase no CVM3
7 285010100007 C 101–105 1 00 1
level 4 purchase no CVM
Debit MasterCard ICC cash – – –
8 285010100008 C 101–105 1 00 1
advance signature
Debit MasterCard ICC cash – – –
9 285010100009 C 101–105 1 00 1
advance offline PIN
10 285010100010 C 101–105 1 00 1
purchase online PIN
Method. It could therefore also be present as other transaction types. To not complicate the business profiles, it has been included
as this transaction type only.
0400
0100 /0420
Mes- Mes-
Test No. No.
Debit MasterCard ICC cash

11 285010100011 C 101–105 1 00 – – – 1
advance online PIN
Debit MasterCard ICC
12 285010100012 C purchase with cash back 101–105 1 00 – – – 1
offline PIN
13 285010100013 C purchase with cash back 101–105 1 00 – – – 1
online PIN
14 285010100014 C payment transaction no 101–105 1 00 – – – 1
CVM

3-9
Message Flows—Issuer Debit MasterCard—Mandatory Business Transactions
Message Flows—Issuer Debit MasterCard—Mandatory

Business Transactions
This figure shows the message flows for the mandatory business transactions.
Figure 3.1—Message Flows—Issuer Debit MasterCard—Mandatory Business Transactions

2850201—Test Procedures—Mandatory Business Transactions

This table describes the test procedures for the mandatory business transactions within the Issuer Debit
MasterCard business profile.
Table 3.4—(2850201)—Test Procedures—Mandatory Business Transactions
Test Case Ref

Step No Day Action

1 285020100001 Day 1— The MTF sends the Authorization Requests indicated for each mandatory business
morning transaction.
2 285020100002 Day 1— For Debit MasterCard MSR purchase signature:

morning • Approve three transactions using response code 00
• Decline one transaction using response code 51
To all valid Authorization Requests, members must respond in the following manner:
For Debit MasterCard MSR ATM online PIN:
• Approve three transactions using response code 00
3-11
3-12

Test Case Ref
Step No Day Action
2 285020100002 Day 1— For each of the following business transactions members must send an approval
(cont.) morning response (with response code 00):
• Debit MasterCard manual purchase signature
• Debit MasterCard MOTO purchase no CVM
• Debit MasterCard MSR CAT level 1 purchase online PIN
• Debit MasterCard MSR CAT level 2 purchase no CVM
• Debit MasterCard MSR CAT level 4 purchase no CVM
• Debit MasterCard electronic commerce purchase online PIN
• Debit MasterCard electronic commerce purchase no CVM
• Debit MasterCard MSR cash advance signature
• Debit MasterCard manual cash advance signature
• Debit MasterCard manual payment transaction no CVM

• Debit MasterCard MSR purchase online PIN

• Debit MasterCard MSR cash advance online PIN
• Debit MasterCard MSR payment transaction no CVM
• Debit MasterCard electronic commerce payment transaction no CVM
• Debit MasterCard MSR purchase with cash back signature
• Debit MasterCard MSR purchase with cash back online PIN
3 285020100003 Day 1— Further to four of the approved Authorization Requests, the MTF sends:
morning • For ATM transactions, one partial Reversal Advice and one full Reversal Advice
• For non-ATM transactions, one partial Reversal Advice and one full Reversal
Advice
4 285020100004 Day 1— Members must respond to all Reversal Advice messages by sending a Reversal Advice
morning Response with response code 00.
The life cycle of the fully reversed transactions ends here.
Test Case Ref

Step No Day Action
5 285020100005 Day 2— The MTF sends First Presentment messages based on the partial Reversal Advices.
morning The MTF also sends one First Presentment for each Authorization Request members
approved.
In addition, the MTF sends two First Presentments for transactions equal to or below
the floor limit (that is, with no prior Authorization Request).

All messages will be delivered in the file generated by MasterCard shortly.
Members must match each First Presentment with a corresponding Authorization
Response.
Before the end of the day, members must confirm to MasterCard by fax or e-mail that:

• All response messages with response code 00 have been matched and reconciled
properly against the Authorization Requests and Reversal Advices.
• Every First Presentment that members received had been previously authorized,
except for the transactions below the floor limit.
6 285020100006 Day 2— Further to the First Presentments relative to the non-ATM transactions, members must
before COB send two Retrieval Requests and two First Chargebacks.
Further to the First Presentments relative to the ATM transactions, members must send
two First Chargebacks.
Members must verify that MasterCard receives their file before close of business.
7 285020100007 Day 3— Further to members First Chargeback messages relative to ATM transactions, the
morning MTF sends Second Presentments.
The life cycle of the ATM transactions ends here_there will be no further message
exchange.
Further to members Retrieval Requests relative to non-ATM transactions, the MTF
sends two Fee Collections.
Further to members First Chargeback messages relative to non-ATM transactions, the
MTF sends Second Presentments.
All messages will be delivered in the file generated by MasterCard.
3-13
3-14

Test Case Ref
Step No Day Action
8 285020100008 Day 3— Further to the non-ATM Second Presentments, members must send one Arbitration
before COB Chargeback (Message Reason Code 4808) and one Partial Arbitration Chargeback.
The life cycle of these messages ends here_there will be no further message exchange.
Further to the non-ATM Fee Collections, members must send one Partial First
Chargeback and one First Chargeback.
9 285020100009 Day 4— Further to members Partial First Chargeback, the MTF sends one Partial Second
morning Presentment.
Further to members First Chargeback, the MTF sends one Second Presentment.
10 285020100010 Day 4— Further to the Partial Second Presentment, members must send one Partial Arbitration
before COB Chargeback.
Further to the Second Presentment, members must send one Arbitration Chargeback.
11 285020100011 Day 5 When conducting integrated testing for purposes of an integrated testing, members
must contact their Customer Implementation project manager on Day 5 to confirm
that the integrated testing has been completed for all mandatory and, if appropriate,
conditional business transactions.
Message Flows—Issuer Debit MasterCard—Conditional Business Transactions
Message Flows—Issuer Debit MasterCard—Conditional

Business Transactions
This figure shows the message flows for conditional business transactions.
Figure 3.2—Message Flows—Issuer Debit MasterCard—Conditional Business Transactions

3-16
2850301—Test Procedures—Conditional Business Transactions
Message Flows—Issuer Debit MasterCard—Conditional Business Transactions

This table describes the test procedures for conditional business transactions within the Issuer Debit
MasterCard business profile.
Table 3.5—(2850301)—Test Procedures—Conditional Business Transactions
Step Test Case Ref Day Action

Day 1— The MTF sends one Authorization Request for each conditional business transaction
1 285030100001
morning selected.
Day 1— To each valid Authorization Request, members must send one Authorization Response
2 285030100002
morning message with response code 00.
For each approved transaction, the MTF sends one First Presentment.
3 285030100003 Day 2
Chapter 4 Single Message Financial, Exception, and
Reporting—Issuer Debit MasterCard
validation of a customer's Single Message financial application.
Introduction ................................................................................................................................... 4-1

Base Testing............................................................................................................................. 4-2
3300001—Issuer Debit MasterCard—MSR Base—Day One Transactions—Financial
Transaction Requests, Advices and Reversals .................................................................... 4-3
3300002—Issuer Debit MasterCard—MSR Base—Day Two Transactions—Financial
Transaction Requests and Reversals................................................................................... 4-9
3300004—Issuer Debit MasterCard—MSR Base—Technical Conditions—Financial
Transaction Requests ....................................................................................................... 4-12
3300009—Issuer Debit MasterCard—MSR Base—System-generated—Financial
Transaction Advices ......................................................................................................... 4-15
3300041—Issuer Debit MasterCard—MSR Base—Dynamic Currency
Conversion—Financial Transaction Requests................................................................... 4-19
3300301—Issuer Debit MasterCard—MSR Base—Payment Transactions—Financial
Transaction Requests and Reversals................................................................................. 4-20
Transactions—Financial Transaction Requests and Reversals .......................................... 4-22
3301701—Issuer Debit MasterCard—MSR Base—DE 28 Transaction Fee Financial
Transaction Requests and Reversals................................................................................. 4-23
Programs and Services Testing .............................................................................................. 4-24
3300101—Issuer Debit MasterCard—MSR Product and Services—Intracurrency
Settlement—Financial Transaction Requests .................................................................... 4-25
3300201—Issuer Debit MasterCard—MSR Product and Services—Partial Approval
Processing—Financial Transaction Requests and Reversal .............................................. 4-27
Table 3300341—Issuer Debit MasterCard—MSR Product and Services—MasterCard
rePower Load Payment Transaction—Financial Transaction Requests and
Reversals .......................................................................................................................... 4-29
3300401—Issuer Debit MasterCard—MSR Product and Services—Cross
Border—Financial Transaction Requests.......................................................................... 4-30
3300501—Issuer Debit MasterCard—MSR Product and Services—Online Exception
Item Processing—Financial Transaction Requests, Advices and Reversals ...................... 4-32
3300601—Issuer Debit MasterCard—MSR Product and Services—Purchase with Cash
Back Financial Transaction Requests and Reversal Advices............................................. 4-37

Single Message Financial, Exception, and Reporting—Issuer Debit MasterCard

SecureCode AAV Verification Service—Financial Transaction Requests ........................... 4-39
Registration Program—Financial Transaction Requests.................................................... 4-40
Service—Financial Transaction Requests ......................................................................... 4-42
3300801—Issuer Debit MasterCard—MSR Product and Services—Address Verification
Service—Financial Transaction Requests ......................................................................... 4-43
Compromised Account Service—Financial Transaction Requests and Advices................ 4-45
3301001—Issuer Debit MasterCard—MSR Product and Services—Regression
Testing—Financial Transaction Requests ......................................................................... 4-46
(All Business Transactions)—Financial Transaction Requests .......................................... 4-48
(Technical Conditions)—Financial Transaction Requests................................................. 4-50
Mapping Service with Dynamic CVC 3 Pre-validation—Financial Transaction
Requests........................................................................................................................... 4-55
Mapping Service with Dynamic CVC 3 Validation—Financial Transaction Advices
Enablement Service—Financial Transaction Requests and Advices ................................. 4-60
Transactions—Financial Transaction Requests ................................................................. 4-64
Mapping Service with Dynamic CVC 3 Pre-validation—Financial Transaction Request
and Reversal .................................................................................................................... 4-66
Dynamic CVC 3 Pre-validation Service—Financial Transaction Requests ........................ 4-67
Dynamic CVC 3 Pre-validation Service—Financial Transaction Advices.......................... 4-69
Dynamic CVC 3 Validation in Stand-In Service—Financial Transaction Advices
Fraud Scoring Service—Financial Transaction Requests .................................................. 4-75
MoneySend Funding Transactions—Financial Transaction Requests and
Reversals .......................................................................................................................... 4-76
3301501—Issuer Debit MasterCard—MSR Product and Services—Program Participation
Indicator—Financial Transaction Requests and Advices .................................................. 4-78


Real Card Spend Control Service—Financial Transaction Requests and Reversals........... 4-80
inControl Real Card Spend Control Service—Financial Transaction Advices
(Acquirer-generated)........................................................................................................ 4-83
inControl Real Card Spend Control Service—Financial Transaction Advices
Virtual Card Service—Financial Transaction Requests and Reversals............................... 4-87
Virtual Card Service—Financial Transaction Advices (Acquirer-generated) ..................... 4-90
Virtual Card Service—Financial Transaction Advices (System-generated)........................ 4-91
3301801—Issuer Debit MasterCard—MSR Product and Services—PIN
Management—Financial Transaction Requests and Reversals.......................................... 4-95
3301911—Issuer Debit MasterCard—MSR Product and Services—Intracountry POS
Cash Back Transactions—Financial Transaction Requests ............................................... 4-97
3302201—Issuer Debit MasterCard—MSR Product and Services—Healthcare
FSA—Financial Transaction Requests and Reversals........................................................ 4-98
3302525—Issuer Debit MasterCard—MSR Product and Services—MasterCard Merchant
Data Services—Financial Transaction Advices (force post) ............................................4-101
3303101—Issuer Debit MasterCard—MSR Product and Services—Fraud Notification
Service—Financial Transaction Requests, Advices and Reversals ...................................4-105
3303601—Issuer Debit MasterCard—MSR Product and Services—Recurring Payment
Test Transactions—Financial Transaction Requests ........................................................4-106
3303701—Issuer Debit MasterCard—MSR Product and Services—Account Status
Inquiry Service—Financial Transaction Requests............................................................4-107
Payments—Financial Transaction Requests and Reversals..............................................4-112
Indicator—Financial Transaction Requests and Reversals...............................................4-117
Test Cases—ICC-based Operations .............................................................................................4-118
Base Testing..........................................................................................................................4-118
Financial Response M/Chip-specific General Acceptance Criteria ..................................4-118
3350001—Issuer Debit MasterCard—ICC Base—All Business Transaction—Financial
Transaction Requests ......................................................................................................4-119
3350002—Issuer Debit MasterCard—ICC Base—Technical Conditions—Financial
Transaction Requests ......................................................................................................4-122
3350003—Issuer Debit MasterCard—ICC Base—All Business Transctions—Financial
Transaction Advices ........................................................................................................4-127
3350006—Issuer Debit MasterCard—ICC Base—ICC Exceptions—Financial Transaction
Requests..........................................................................................................................4-128

Issuer Debit MasterCard—Test Cases • 16 August 2013 4-iii
Programs and Services Testing .............................................................................................4-129

Business Transactions)—Financial Transaction Requests................................................4-130
(Selected Response Codes)—Financial Transaction Requests.........................................4-131
(Reversals)—Financial Transaction Requests and Reversals............................................4-132
Stripe Conversion Service—Financial Transaction Requests ...........................................4-133
Stripe Conversion Service—Financial Transaction Advices.............................................4-135
Validation in Stand-In Processing—Financial Transaction Advices .................................4-136
Stripe Conversion Service (Option to prevent modification of DE 22)—Financial
Transaction Requests, Reversals and Advices .................................................................4-139
1 Conversion Service (CVC 1 Key/Decision Matrix Only)—Financial Transaction
Requests..........................................................................................................................4-141
1 Conversion Service (CVC 1 Key/Decision Matrix Only)—Authorization Advices
1 Conversion Service (Separate Keys/Decision Matrices)—Financial Transaction
Requests..........................................................................................................................4-146
3350262—Issuer Debit MasterCard—ICC Product and Services—Chip CVC to CVC 1
Conversion Service (Separate Keys/Decision Matrices)—Financial Transaction Advices
Pre-validation Service—Financial Transaction Requests .................................................4-151
Pre-validation Service—Financial Transaction Advices (System-generated)....................4-154
Pre-validation Service—Financial Transaction Requests and Reversals...........................4-157
PayPass M/Chip (All Business Transactions)—Financial Transaction Requests and
Reversals .........................................................................................................................4-158
3350503—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass
M/Chip (Technical Conditions)—Financial Transaction Requests...................................4-161
Enablement Service—Financial Transaction Requests and Advices ................................4-164
Transactions—Financial Transaction Requests ................................................................4-168

4-iv 16 August 2013 • Issuer Debit MasterCard—Test Cases

Indicator—Financial Transaction Requests .....................................................................4-171

Issuer Debit MasterCard—Test Cases • 16 August 2013 4-v
Introduction
Introduction
MasterCard business profile during base application testing and validation of a
customer’s issuer Single Message application.
The following test cases are designed to verify that basic message exchanges
can be performed between the customer host and MasterCard.
Force Post Completion transactions are sent to the issuer for the previous day’s
transactions.
Manual adjustments are debit or credit adjustments that can be sent to an issuer
or acquirer for any previous day’s transactions
The MasterCard Single Message System expects all customers to test accurately
to all applicable scenarios in the test scripts.

Notation Definition
Where it appears in a DE 52 column, indicates a Valid PIN value.
V Where is appears in an RC column, indicates any valid response or any specified
response provided.
IV Where it appears in a DE 52 column, indicates an Invalid PIN value.
b Indicates a blank space when used in DE 48, subelement 71 fourth position.

Where it appears in a SIM or MTF column, indicates testing is recommended for
1
that environment.
Where it appears in a SIM or MTF column, indicates testing is available for that
0
environment.

operations only. Select the appropriate business transactions from the following
tables and conduct the associated test cases.

Base Testing
The test cases listed in this section are applicable to Debit MasterCard® issuer
application testing for customers who are connected directly to the MasterCard
Single Message System.

3300001—Issuer Debit MasterCard—MSR Base—Day One Transactions—Financial Transaction

Requests, Advices and Reversals
The following test cases will test whether an issuer's Single Message application can receive various types
of business transactions in Financial Transaction Requests, Advices and Reversals; process them, and send
correctly formatted Financial Transaction Responses.
Table 4.2—Table 3300001—Issuer Debit MasterCard—MSR Base—Day One Transactions—Financial Transaction Requests, Advices
and Reversals

Case DE DE DE 61
MSR PURCHASE
WITH CASH BACK
1 0200 330000100001 1 1 SIGNATURE 09 90 0 001-010 00
Business transaction format and content
MSR PURCHASE
2 0200 330000100002 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
0200 330000100003 1 1 SIGNATURE 00 90 0 001-010 00

3
MSR PURCHASE
4 0200 330000100004 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
5 0200 330000100005 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
0200 330000100006 1 1 SIGNATURE 00 90 0 017 41
6
4-3
4-4

Case DE DE DE 61
MSR PURCHASE
7 0200 330000100007 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
0200 330000100008 1 1 SIGNATURE 00 90 0 001-010 00
8
Canada
MSR PURCHASE
0200 330000100009 1 1 SIGNATURE 00 90 0 001-010 00
9
Japan
MSR PURCHASE
0200 330000100010 1 1 SIGNATURE 00 90 0 001-010 00

10
France
MSR PURCHASE
11 0200 330000100011 1 1 SIGNATURE 00 90 0 019 51
MSR PURCHASE
12 0200 330000100012 1 1 SIGNATURE 00 90 0 020 54
MSR PURCHASE
13 0200 330000100013 1 1 SIGNATURE 00 90 0 001-010 00
Case DE DE DE 61
MSR PURCHASE
14 0200 330000100014 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
15 0200 330000100015 1 1 SIGNATURE 00 90 0 001-010 00

MSR PURCHASE
0200 330000100016 1 1 SIGNATURE 00 90 0 070 V
16
0210: DE 48, SF 87 = Y (Invalid CVC 1)
MANUAL ENTRY
17
0200: DE 48, SE 92 = CVC 2 value
0210: DE 48, SE 87 = M (CVC 2 match)
MANUAL ENTRY
0200 330000100018 1 1 PURCHASE SIGNATURE 00 01 0 071 V

18
0200: DE 48, SE 92 = CVC 2 value
0210: DE 48, SE 87 = N (CVC 2 non-match)
MANUAL ENTRY
19
0200: DE 48, SE 92 = CVC 2 value
0210: DE 48, SE 87 = P (CVC 2 not processed)
MSR PURCHASE
20 0200 330000100020 1 1 SIGNATURE 00 90 0 001-010 00
4-5
4-6

Case DE DE DE 61
MSR PURCHASE
0200 330000100021 1 1 SIGNATURE 00 90 0 001-010 00
21
0420 1 1 DE 39 = 00 00
Full reversal
MSR PURCHASE
22 0200 330000100022 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
23 0200 330000100023 1 1 SIGNATURE 00 02 0 001-010 00
Track 2 and expiration date are not available
MSR PURCHASE
24 0200 330000100024 1 1 SIGNATURE 00 02 0 001-010 00

Track 2 is not available; expiration date is available

MSR PURCHASE
0200 330000100025 1 1 SIGNATURE 00 90 0 001-010 00
25
DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify against IIAS)
DE 54, SF 2 = 10 (FSA Eligible Expenditure)
MSR PURCHASE
0200 330000100026 1 1 SIGNATURE 00 90 0 001-010 00
26
DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify against IIAS)
DE 54 two occurrences; one for SF 2 = 10 (FSA Eligible Expenditure), one for SF 2 = 11 (Prescription Eligibility Amount)
MSR PURCHASE
27 0200 330000100027 1 1 SIGNATURE 00 90 0 001-010 00
DE 48, SE 38 = Z (Account does not participate in Account Level Management)

Case DE DE DE 61
MSR PURCHASE
28 0200 330000100028 1 1 SIGNATURE 00 90 0 001-010 00
DE 48, SE 38 = B (Consumer Rewards)

MSR PURCHASE
0200 330000100029 1 1 SIGNATURE 00 90 0 001-010 00

29
DE 48, SE 38 = P (Account participates in Account Level Management - Product Graduation)
DE 63, SF 1 = Graduated product code value
MSR CAT LEVEL 2
30 0200 330000100030 1 1 PURCHASE SIGNATURE 00 90 2 001-010 00
DE 18 = 5542 (Fuel dispenser, automated)

MSR PURCHASE
31 0200 330000100032 1 1 SIGNATURE 00 90 0 001-010 00
DE 18 = 5542 (Fuel dispenser, automated)

MSR CASH BACK ONLY
0200 330000100034 1 1 SIGNATURE 09 90 0 001-010 00

32
India intracountry transactions only
DE 4 = DE 54, SF 4 (Amount)
ELECTRONIC
COMMERCE PURCHASE
0200 330000100035 1 1 NO CVM 00 81 6 001-010 00
33
Card Not Present (CNP) transaction - electronic commerce purchase and UCAF no support.
Followed by 0420 full reversal with DE 39 = 00 (Approval) and DE 60 = 450 0021 (Suspect Fraud).
4-7
4-8

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0420 330000100035 1 1 NO CVM 00 001-010 00
34
Reversal of previous transaction for Card Not Present (CNP) transaction - electronic commerce purchase and UCAF
no support.
0420: Full reversal, DE 39 = 00 (Approval) and DE 60 = 450 0021 (Suspect Fraud).
MSR PURCHASE
0200 330000100041 1 1 SIGNATURE 00 90 0 001-010 00
35
Original travel and entertainment financial request indicated by presence of DE 48, SE 63 positions 14-15 value 01 to be
followed by an incremental financial request.
MSR PURCHASE
0200 330000100042 1 1 SIGNATURE 00 90 0 001-010 00
36
Incremental travel and entertainment financial request indicated by presence of DE 48, SE 63 positions 14-15 containing
spaces.
MSR PURCHASE
0220 330000100043 1 1 SIGNATURE 00 90 001-010 00
37 Force post clearing message for original and incremental travel and entertainment financial request messages.
0220: DE 48, SE 63 contains Trace ID to allow matching of original and incremental pre-authorization messages to the
force post message.
MSR PURCHASE
0200 330000100044 1 1 SIGNATURE 00 90 0 001-010 00
0420 1 1 DE 39 = 00 00
38
Restaurant transaction with 10% gratuity.
0200: DE 54 contains amount type 44 (Amount Gratuity).
0420: Partial reversal; DE 54 gratuity amount present; DE 60 = 4510010
3300002—Issuer Debit MasterCard—MSR Base—Day Two Transactions—Financial Transaction

The following test cases will test whether an issuer's Single Message application can receive various types
of business transactions in Financial Transaction Requests and Reversals; process them, and send correctly
formatted Financial Transaction Responses.
Table 4.3—Table 3300002—Issuer Debit MasterCard—MSR Base—Day Two Transactions—Financial Transaction Requests and
Reversals

Case DE DE DE 61
MSR PURCHASE
WITH CASH BACK
1 0200 330000200001 1 1 SIGNATURE 09 90 0 001-010 00
MSR PURCHASE
2 0200 330000200002 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
0200 330000200003 1 1 SIGNATURE 00 90 0 019 51

3
MSR PURCHASE
4 0200 330000200004 1 1 SIGNATURE 00 90 0 036 62
MSR PURCHASE
5 0200 330000200005 1 1 SIGNATURE 00 90 0 012 04
MSR PURCHASE
0200 330000200006 1 1 SIGNATURE 00 90 0 018 43
6
4-9
4-10

Case DE DE DE 61
MSR PURCHASE
7 0200 330000200007 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
8 0200 330000200008 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
9 0200 330000200009 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
10 0200 330000200010 1 1 SIGNATURE 00 90 0 001-010 00

MSR PURCHASE
11 0200 330000200011 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
12 0200 330000200012 1 1 SIGNATURE 00 90 0 070 V
0210: DE 48, SE 87 = Y (Invalid CVC 1)

MANUAL ENTRY
13
0200: DE 48, SE 92 = CVC 2 value
0210: DE 48, SE 87 = M (Valid CVC 2)
MANUAL ENTRY
14
0200: DE 48, SE 92 = CVC 2 value
Case DE DE DE 61
MSR PURCHASE
0420 330000200015 1 1 SIGNATURE 00 90 0 001-010 00
15
DE 39 = 00 (Approved); DE 60 = 490 0010 (Adjustment)
Reversal of Case ID 18 from Day 1 wherein reversal sent after cut-off.
MSR PURCHASE

0200 330000200016 1 1 SIGNATURE 00 90 0 015 14
16

4-11
4-12

3300004—Issuer Debit MasterCard—MSR Base—Technical Conditions—Financial Transaction
Requests
The following test cases will test whether an issuer's Single Message application can receive Financial
Transaction Requests, process them, and return correctly formatted Financial Transaction Request Responses
when presented with some of the less common but valid general conditions surrounding the Single Message
System.
Table 4.4—Table 3300004—Issuer Debit MasterCard—MSR Base—Technical Conditions—Financial Transaction Requests
Case DE DE DE 61
MSR PURCHASE
0200 330000400001 1 N/A SIGNATURE 00 02 0 001-010 00
1 Magnetic stripe compliance status - Acquirer not qualified to submit magnetic stripe transactions
DE 22, SF 1 = 02 (The acquirer is not qualified to use value 90 so MasterCard replaced value 90 or 91 with value 02)
DE 48, SE 88 = Y (Authorization System replaced DE 22, subfield 1, value 90 or 91 with value 02)
MSR PURCHASE
0200 330000400002 1 N/A SIGNATURE 00 90 0 001-010 V

2
DE 48, SE 89 = A (Track 1 or 2 not present)
MSR PURCHASE
0200 330000400003 1 N/A SIGNATURE 00 90 0 001-010 V
3
DE 48, SE 89 = B (Track 1 and 2 present)
MSR PURCHASE
0200 330000400004 1 N/A SIGNATURE 00 90 0 001-010 V
4
DE 48, SE 89 = C (PAN not equal in track data)
Case DE DE DE 61
MSR PURCHASE
0200 330000400005 1 N/A SIGNATURE 00 90 0 001-010 V
5
DE 48, SE 89 = D (Expiration date not equal in track data)
MSR PURCHASE

0200 330000400006 1 N/A SIGNATURE 00 90 0 001-010 V
6
DE 48, SE 89 = E (Invalid service code)
MSR PURCHASE
0200 330000400007 1 N/A SIGNATURE 00 90 0 001-010 V
7
DE 48, SE 89 = F (Invalid field separator in track data)
MSR PURCHASE
0200 330000400009 1 N/A SIGNATURE 00 90 0 001-010 V
8

DE 48, SE 89 = H (Phone order with track data)
MSR PURCHASE
0200 330000400010 1 N/A SIGNATURE 00 90 0 001-010 V
9
DE 48, SE 89 = I (Cardholder not present)
MSR PURCHASE
0200 330000400011 1 N/A SIGNATURE 00 90 0 001-010 V
10
DE 48, SE 89 = J (Card not present)
MANUAL ENTRY
4-13
4-14

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
12 0200 330000400013 1 N/A NO CVM 00 81 6 001-010 00
MSR CAT LEVEL 1
ATM WITHDRAWAL
13 0200 111111111111 1 N/A ONLINE PIN 01 90 1 V 001-010 00
Containing all mandatory and optional data elements
MSR PURCHASE
0200 330000400015 1 N/A SIGNATURE 00 90 0 001-010 94
14
Execute this same transaction twice to achieve duplicate message wherein issuer expected response code on duplicate
message is 94.
MSR PURCHASE
15 0200 330000400016 1 N/A SIGNATURE 00 90 0 001-010 00
DE 48 contains new unannounced subelement

3300009—Issuer Debit MasterCard—MSR Base—System-generated—Financial Transaction

Advices
Transaction Advices for various reasons, process them, and return correctly formatted Financial Transaction
Advice Responses.
Any transactions processed on behalf of the issuer by Stand-In because of issuer host unavailability, Limit-1
transaction thresholds, or X-Code processing are logged and available for issuer delivery.

These test cases allow the issuer to receive these transactions and to then verify that correct post-processing is
performed on the issuer host for relevant impact to available to buy limits and other internal postings for
affected accounts.
Table 4.5—Table 3300009—Issuer Debit MasterCard—MSR Base—System-generated—Financial Transaction Advices
Case DE DE DE 61
MSR PURCHASE
0220 330000900001 1 N/A SIGNATURE 00 90 0 001-010 00
1
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 100 (Alternate Issuer Route: Issuer selected option)

MSR PURCHASE
0220 330000900002 1 N/A SIGNATURE 00 90 0 011 00
2
0220: DE 39 = 01 (Refer to card issuer) and DE 48, SE 95 = MCGARS (GARS Stand-in activity)
DE 60, SF 1 = 100 (Alternate Issuer Route: Issuer selected option)
MSR PURCHASE
0220 330000900003 1 N/A SIGNATURE 00 90 0 001-010 00
3
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 101 (Alternate Issuer Route: Issuer Processing System (IPS) sigtned out.
MSR PURCHASE
0220 330000900004 1 N/A SIGNATURE 00 90 0 013 00
4
0220: DE 39 = 05 (Do not honor)
4-15
DE 60, SF 1 = 101 (Alternate Issuer Route: Issuer Processing System (IPS) sigtned out).
4-16

Case DE DE DE 61
MSR PURCHASE
0220 330000900005 1 N/A SIGNATURE 00 90 0 001-010 00
5
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 102 (Alternate Issuer Route: IPS timed out)
MSR PURCHASE
0220 330000900006 1 N/A SIGNATURE 00 90 0 012 00
6
DE 60, SF 1 = 102 (Alternate Issuer Route: IPS timed out)
MSR PURCHASE
0220 330000900007 1 N/A SIGNATURE 00 90 0 001-010 00
7
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 103 (Alternate Issuer Route: IPS unavailable)
MSR PURCHASE
0220 330000900008 1 N/A SIGNATURE 00 90 0 020 00
8
0220: DE 39 = 54 (Expired card)
DE 60, SF 1 = 103 (Alternate Issuer Route: IPS unavailable)
MSR PURCHASE
0220 330000900009 1 N/A SIGNATURE 00 90 0 001-010 00
9
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 108 (Alternate Issuer Route: DIU Error)
MSR PURCHASE
0220 330000900010 1 N/A SIGNATURE 00 90 0 001-010 00
10
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 109 (Alternate Issuer Route: Issuer edit response error)
Case DE DE DE 61
MSR PURCHASE
0220 330000900011 1 N/A SIGNATURE 00 90 0 001-010 00
11
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 111 (Alternate Issuer Route: Issuer host system error)
MSR PURCHASE

0220 330000900012 1 N/A SIGNATURE 00 90 0 001-010 00
12
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 112 (Alternate Issuer Route: Network not dispatched error)
MSR PURCHASE
0220 330000900013 1 N/A SIGNATURE 00 90 0 001-010 00
13
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 113 (Alternate Issuer Route: Issuer undelivered)
MSR PURCHASE
0220 330000900014 1 N/A SIGNATURE 00 90 0 001-010 00
14
0220: DE 39 = 00 (Approved)

DE 60, SF 1 = 114 (Alternate Issuer Route: Direct down option)
MSR PURCHASE
0220 330000900015 1 N/A SIGNATURE 00 90 0 001-010 00
15
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 105 (Transaction processed via X-Code)
MSR PURCHASE
0220 330000900016 1 N/A SIGNATURE 00 90 0 013 00
16
0220: DE 39 = 05 (Do not honor)
DE 60, SF 1 = 105 (Transaction processed via X-Code)
4-17
4-18

Case DE DE DE 61
MSR PURCHASE
0220 330000900017 1 N/A SIGNATURE 00 90 0 001-010 00
17 Issuer account range participates in optional Limit-1 Processing
0220: DE 39 = 00 (Approved)
DE 60, SF 1 = 104 (Transaction processed via Limit-1)
MSR PURCHASE
0220 330000900018 1 N/A SIGNATURE 00 90 0 012 00
18 Issuer account range participates in optional Limit-1 Processing
DE 60, SF 1 = 104 (Transaction processed via Limit-1)
MSR PURCHASE
0220 330000900019 1 N/A SIGNATURE 00 90 0 001-010 00
19 Issuer participates in optional CVC 1 test in Stand-in - successful CVC 1 validation

0220: DE 39 = 00 (Approved)
MSR PURCHASE
0220 330000900020 1 N/A SIGNATURE 00 90 0 013 00
20 Issuer participates in optional CVC 1 test in Stand-in - failed CVC 1 validation
0220: DE 39 = 05 (Do not honor)
3300041—Issuer Debit MasterCard—MSR Base—Dynamic Currency Conversion—Financial

The following test cases will test whether an issuer's Single Message application can receive dynamic currency
conversion Financial Transaction Requests where DE 49 (Currency Code, Transaction) is not equal to the
merchant's local currency code, process them, and return correctly formatted Financial Transaction Request
Responses.
Table 4.6—Table 3300041—Issuer Debit MasterCard—MSR Base—Dynamic Currency Conversion—Financial Transaction Requests

Case DE DE DE 61
MSR PURCHASE
1 0200 330004100001 1 1 SIGNATURE 00 90 0 001-010 00
0200: Merchant country is Australia and DE 49 transaction currency may be changed to issuer's requirements
MSR PURCHASE
2 0200 330004100002 1 1 SIGNATURE 00 90 0 001-010 00
0200: Merchant country is Canada and DE 49 transaction currency may be changed to issuer's requirements

4-19
4-20

3300301—Issuer Debit MasterCard—MSR Base—Payment Transactions—Financial Transaction
Transactions Requests and Reversals for payment transactions, process them, and return correctly formatted
Financial Transaction Responses.
Table 4.7—Table 3300301—Issuer Debit MasterCard—MSR Base—Payment Transactions—Financial Transaction Requests and
Reversals
Case DE DE DE 61
MANUAL ENTRY
PAYMENT
1 0200 330030100001 1 1 TRANSACTION NO CVM 28 01 0 001-010 00
DE 48, SE 77 = C01 (Person-to-Person payment)

MANUAL ENTRY
PAYMENT

2
0420 1 1 DE 39 = 00 00
DE 48, SE 77 = C01 (Person-to-Person payment)

MSR PAYMENT
TRANSACTION
3 0200 330030100003 1 1 SIGNATURE 28 90 0 001-010 00
DE 48, SE 77 = C02 (Rebate)

MSR PAYMENT
TRANSACTION
0200 330030100004 1 1 SIGNATURE 28 90 0 001-010 00
4
0420 1 1 DE 39 = 00 00
DE 48, SE 77 = C02 (Rebate)

Case DE DE DE 61
MSR PAYMENT
TRANSACTION
0200 330030100007 1 1 SIGNATURE 28 90 0 001-010 00
5
DE 48, SE 77 = C04 (Gaming Repay)

MSR PAYMENT
TRANSACTION
0200 330030100008 1 1 SIGNATURE 28 90 0 001-010 00
6 0420 1 1 DE 39 = 00 00
DE 48, SE 77 = C04 (Gaming Repay)

MSR PAYMENT
TRANSACTION
7 0200 330030100009 1 1 SIGNATURE 28 90 0 001-010 00
DE 48, SE 77 = C05 (Other payment reason)

MSR PAYMENT

TRANSACTION
0200 330030100010 1 1 SIGNATURE 28 90 0 001-010 00
8
0420 1 1 DE 39 = 00 00
DE 48, SE 77 = C01 (Person-to-Person)

4-21
4-22

The following test cases are designed to ensure that an issuer Single Message application is able to receive and
process properly formatted MasterCard—MoneySend payment transactions in Financial and Reversal Requests
and also return correctly formatted Financial and Reversal Responses.
Table 4.8—Table 3301401—Issuer Debit MasterCard—MSR Base—MasterCard MoneySend Payment Transactions—Financial
Case DE DE DE 61
MANUAL ENTRY
PAYMENT
0420 1 1 DE 39 = 00 00
1 DE 4 amount must be less than or equal to 2500 USD or its equivalent
DE 14 (Expiration date) = Not present

DE 18 = MCC 6537 (MasterCard MoneySend Intercountry) or MCC 6536 (MasterCard MoneySend Intracountry)
DE 124 must contain sender's name and address
MANUAL ENTRY
PAYMENT
0420 1 1 DE 39 = 00 00
2 DE 4 amount must be less than or equal to 2500 USD or its equivalent
DE 14 (Expiration date) = 4912
DE 18 = MCC 6537 (MasterCard MoneySend Intercountry) or MCC 6536 (MasterCard MoneySend Intracountry)
3301701—Issuer Debit MasterCard—MSR Base—DE 28 Transaction Fee Financial Transaction

The following test cases will test whether an issuer's Single Message application can receive DE 28 (Amount,
Transaction Fee) when applicable (in an approved region or country) in Financial Transaction Requests and
Reversals, and process correctly formatted Financial Responses that contain DE 28.
Table 4.9—Table 3301701—Issuer Debit MasterCard—MSR Base—DE 28 Transaction Fee Financial Transaction Requests and Reversals

Case DE DE DE 61
MSR CAT LEVEL 1
ATM WITHDRAWAL
0200 330170100001 1 1 ONLINE PIN 01 90 1 V 001-010 00
1 0420 1 1 DE 39 = 00 00
DE 3, SF 2 = 10 (Savings account)
DE 60 = 450 0018 (Zero dispense; card returned - POI failure)
MSR CAT LEVEL 1 ATM
BALANCE INQUIRY
0200 330170100002 1 1 ONLINE PIN 30 90 1 V 001-010 00
2

0420 1 1 DE 39 = 00 00
DE 3, SF 2 = 20 (Checking account)
MSR CAT LEVEL 1 ATM
3 0420 1 1 DE 39 = 00 00
DE 3, SF 2 = 00 (No account specified [NAS]/Default Account)
4-23
4-24
Programs and Services Testing

This section contains test cases for different Programs and Services offered by the MasterCard Single Message
System as optional services. These services are available only to customers that connect directly to the
Single Message System.
For details about these Programs and Services refer to the Single Message System Programs and Services
manual located on MasterCard Connect™.
3300101—Issuer Debit MasterCard—MSR Product and Services—Intracurrency

Settlement—Financial Transaction Requests
The following test cases will test whether an issuer's Single Message application can settle transactions
using intracurrency settlement services.
Table 4.10—Table 3300101—Issuer Debit MasterCard—MSR Product and Services—Intracurrency Settlement—Financial Transaction
Requests
Case DE DE DE 61

MSR PURCHASE
1 0200 330010100001 1 1 SIGNATURE 00 90 0 001-010 00
DE 63, SF 2 = 2 (Intracurrency)
MSR PURCHASE
2 0200 330010100002 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
3 0200 330010100003 1 1 SIGNATURE 00 90 0 018 43

MSR PURCHASE
0200 330010100004 1 1 SIGNATURE 00 90 0 017 41
4
MSR PURCHASE
5 0200 330010100005 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
0200 330010100006 1 1 SIGNATURE 00 90 0 017 41
6
4-25
RC
00
001-010
Card Id
DE 52
DE 61
_10
0
22_1
DE
90
3_1
DE
00
MSR PURCHASE
SIGNATURE
MTF
SIM
1
Retrieval Ref No
330010100007
0200
MTI
Case
ID
7
3300201—Issuer Debit MasterCard—MSR Product and Services—Partial Approval

Processing—Financial Transaction Requests and Reversal
Transaction Requests, process them, and respond with correctly formatted partial approval Financial
Transaction Responses.
Table 4.11—Table 3300201—Issuer Debit MasterCard—MSR Product and Services—Partial Approval Processing—Financial
Transaction Requests and Reversal

Case DE DE DE 61
MSR PURCHASE
0200 330020100001 1 1 SIGNATURE 00 90 0 026 10
1
0200: DE 48, SE 61, SF 1 = 1 (Merchant terminal can accept partial approvals)
0210: DE 6 = Partial approval amount
MSR PURCHASE
0200 330020100002 1 1 SIGNATURE 00 90 0 026 10
2

MSR PURCHASE
0200 330020100003 1 1 SIGNATURE 00 90 0 026 10
3
MSR PURCHASE
0200 330020100004 1 1 SIGNATURE 00 90 0 026 10
4
MSR PURCHASE
0200 330020100005 1 1 SIGNATURE 00 90 0 026 10
5
4-27

4-28

Case DE DE DE 61
MSR PURCHASE
0200 330020100006 1 1 SIGNATURE 00 90 0 026 10
6
MSR PURCHASE
0200 330020100007 1 1 SIGNATURE 00 90 0 026 10
7
MSR PURCHASE
0200 330020100008 1 1 SIGNATURE 00 90 0 026 10
8
MSR PURCHASE
0200 330020100009 1 1 SIGNATURE 00 90 0 026 10
9
MSR PURCHASE
0200 330020100011 1 1 SIGNATURE 00 90 0 026 10
0420 1 1 DE 39 = 00 00
10
0420 Full reversal of the partial approval amount
MSR PURCHASE
0200 330020100012 1 1 SIGNATURE 00 90 0 026 10
11
0210: DE 6 = DE 4 from the 0200 (Partial approval amount equals requested amount)
Table 3300341—Issuer Debit MasterCard—MSR Product and Services—MasterCard rePower

Load Payment Transaction—Financial Transaction Requests and Reversals
Transactions Requests for MasterCard rePower load payment transactions, process them, and send resulting
NOTE
These processing scenarios and response codes do not represent the full range possible.

Table 4.12—Table 3300341—Issuer Debit MasterCard—MSR Product and Services—MasterCard rePower Load Payment
Transaction—Financial Transaction Requests and Reversals
Case DE DE DE 61
MSR PAYMENT
rePower load payment transaction approved by issuer.
1 0200: DE 18, (Merchant Type [MCC]) = 6532 (Payment Transaction - Member Financial Institution) or 6533 (Payment
0200: DE 48, SE 77 = C03 (Load Value).

MSR PAYMENT
0420 1 1 DE 39 = 00 00
rePower load payment transaction request cancelled after receiving approved request response and reversal submitted
2 by merchant.
0200: DE 18 (Merchant Type [MCC]) = 6532 (Payment Transaction - Member Financial Institution) or 6533 (Payment
0200: DE 48, SE 77 = C03 (Load Value).
0420: DE 60 = 4530041 (Financial transaction cancellation: card returned).
4-29
4-30

3300401—Issuer Debit MasterCard—MSR Product and Services—Cross Border—Financial
Transactions Requests for which the cardholder country code differs from the merchant country code, and
return correctly formatted Financial Transaction Responses.
NOTE
Merchant country and currency data in DE 43 SF 5, DE 49 and DE 61 SF 13 will need to be changed to accomplish
cross-border testing for U.S. issuers.
Table 4.13—Table 3300401—Issuer Debit MasterCard—MSR Product and Services—Cross Border—Financial Transaction Requests
Case DE DE DE 61
MSR PURCHASE
1 0200 330040100001 1 1 SIGNATURE 00 90 0 001-010 00

MSR PURCHASE
2 0200 330040100002 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
3 0200 330040100003 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
4 0200 330040100004 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
5 0200 330040100005 1 1 SIGNATURE 00 90 0 001-010 00
Case DE DE DE 61
MSR PURCHASE
0200 330040100006 1 1 SIGNATURE 00 90 0 001-010 00
6
MSR PURCHASE
7 0200 330040100007 1 1 SIGNATURE 00 90 0 001-010 00

MSR PURCHASE
8 0200 330040100008 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
9 0200 330040100009 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
10 0200 330040100010 1 1 SIGNATURE 00 90 0 001-010 00

4-31
4-32

3300501—Issuer Debit MasterCard—MSR Product and Services—Online Exception Item
Processing—Financial Transaction Requests, Advices and Reversals
The following test cases will test whether an issuer's Single Message application can receive Online Exception
messages (Representments), process them, and send correctly formatted Online Exception messages
(Chargebacks).
The 0200 represents the pre-authorization request, the 0220 is the force-post clearing, the 0422 is a chargeback,
and the 0420 is a representment. Transactions with the same Retrieval Ref No are part of a lifecycle.
Table 4.14—Table 3300501—Issuer Debit MasterCard—MSR Product and Services—Online Exception Item Processing—Financial
Transaction Requests, Advices and Reversals
Case DE DE DE 61
MSR PURCHASE
1 0200 330050100001 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 26.99
MSR PURCHASE
2 0220 330050100001 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 26.99
0422 330050100001 N/A 1 CHARGEBACK 001-010 00

3 Full chargeback; DE 4 = 26.99 and DE 95, SF 1 = all zeros
DE 60 = 489 0008 (Chargeback - Requested/required authorization not obtained)
0420 330050100001 N/A 1 REPRESENTMENT 00 001-010 00

4 Full Representment; DE 4 = all zeros and DE 95, SF 1 = 26.99
DE 60 = 491 0008 (Representment - Requested/required authorization not obtained)
MSR PURCHASE
5 0200 330050100002 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 45.67
Case DE DE DE 61
MSR PURCHASE
0220 330050100002 N/A 1 SIGNATURE 00 90 0 001-010 00
6
DE 4 = 45.67
0422 330050100002 N/A 1 CHARGEBACK 001-010 00

7

Full Chargeback; DE 4 = 45.67 and DE 95, SF 1 = all zeros
DE 60 = 489 0012 (Chargeback - Account number not on file)

8 Full representment; DE 4 = all zeros and DE 95, SF 1 = 45.67
DE 60 = 491 0012 (Representment - Account number not on file)
MSR PURCHASE
9 0200 330050100003 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 285.99
MSR PURCHASE
10 0220 330050100003 N/A 1 SIGNATURE 00 90 0 001-010 00

DE 4 = 285.99
0422 330050100003 N/A 1 CHARGEBACK 001-010 00

11 Partial Chargeback: DE 4 = 285.99 and DE 95, SF 1 = 185.99
DE 60 = 489 0031 (Chargeback - Transaction amount differs)

12 Full Representment; DE 4 = 185.99 and DE 95, SF 1 = 285.99
DE 60 = 491 0031 (Representment - Transaction amount differs)
MSR PURCHASE
13 0200 330050100004 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 199.99
4-33
4-34

Case DE DE DE 61
MSR PURCHASE
14 0220 330050100004 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 199.99
0422 330050100004 N/A 1 CHARGEBACK 001-010 00

15 DE 4 = 199.99
DE 60 = 489 0034 (Chargeback - Duplicate processing)

16 Full Representment: DE 4 = all zeros and DE 95, SF 1 = 199.99
DE 60 = 491 0034 (Representment - Duplicate processing)
MSR PURCHASE
17 0200 330050100005 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 145.75
MSR PURCHASE
18 0220 330050100005 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 145.75
0422 330050100005 N/A 1 CHARGEBACK 001-010 00

19 Full Chargeback; DE 4 = 145.75 and DE 95, SF 1 = all zeros
DE 60 = 489 0053 (Chargeback - Not as described)

20 Full Representment; DE 4 = all zeros and DE 95, SF 1 = 145.75
DE 60 = 491 0053 (Representment - Not as described)
MSR PURCHASE
21 0200 330050100006 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 67.50
Case DE DE DE 61
MSR PURCHASE
22 0220 330050100006 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 67.50
0422 330050100006 N/A 1 CHARGEBACK 001-010 00

23

Full Chargeback; DE 4 = 67.50 and DE 95, SF 1 = all zeros
DE 60 = 489 0037 (Chargeback - No cardholder authorization)
MSR PURCHASE
24 0200 330050100007 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 85.18
MSR PURCHASE
25 0220 330050100007 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 85.18
0422 330050100007 N/A 1 CHARGEBACK 001-010 00

26 Full Chargeback; DE 4 = 85.18 and DE 95.1 = all zeros

DE 60 = 489 0040 (Chargeback - Fraudulent processing of transactions)
MSR PURCHASE
27 0200 330050100008 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 99.99
MSR PURCHASE
28 0220 330050100008 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 99.99
0422 330050100008 N/A 1 CHARGEBACK 001-010 00

29 Full Chargeback; DE 4 = 99.99 and DE 95, SF 1 = all zeros
DE 60 = 489 0046 (Chargeback - Correct transaction currency code not provided)
4-35
4-36

Case DE DE DE 61
MSR PURCHASE
30 0200 330050100009 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 30.00
MSR PURCHASE
31 0220 330050100009 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 30.00
MSR PURCHASE
32 0200 330050100010 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 27.39
MSR PURCHASE
33 0220 330050100010 N/A 1 SIGNATURE 00 90 0 001-010 00
DE 4 = 27.39
3300601—Issuer Debit MasterCard—MSR Product and Services—Purchase with Cash Back

Financial Transaction Requests and Reversal Advices
The following test cases will test whether an issuer's Single Message application is able to receive Financial
Transaction Request for Purchase with Cash Back transactions, process them, and return correctly formatted
Financial Transaction Responses.
Table 4.15—Table 3300601—Issuer Debit MasterCard—MSR Product and Services—Purchase with Cash Back Financial Transaction
Requests and Reversal Advices

Case DE DE DE 61
MSR PURCHASE
WITH CASH BACK
1 0200 330060100001 1 1 SIGNATURE 09 90 0 001-010 00
MSR PURCHASE
WITH CASH BACK
2 0200 330060100002 1 1 SIGNATURE 09 90 0 001-010 00
MSR PURCHASE

WITH CASH BACK
3 0200 330060100003 1 1 SIGNATURE 09 90 0 001-010 00
MSR PURCHASE
WITH CASH BACK
4 0200 330060100004 1 1 SIGNATURE 09 90 0 001-010 00
MSR PURCHASE
WITH CASH BACK
5 0200 330060100005 1 1 SIGNATURE 09 90 0 030 87
0210: DE 39 = 87 (Purchase Amount Only, no cash back allowed)
4-37
4-38

Case DE DE DE 61
MSR PURCHASE
WITH CASH BACK
0200 330060100006 1 1 SIGNATURE 09 90 0 030 87
6
0420 1 1 DE 39 = 00 00
0210: DE 39 = 87 (Purchase Amount only, no cash back allowed)
MSR PURCHASE
WITH CASH BACK
7 0200 330060100007 1 1 SIGNATURE 09 90 0 019 51
0210: DE 39 = 51 (Insufficient funds)
3300611—Issuer Debit MasterCard—MSR Product and Services—MasterCard SecureCode AAV

Verification Service—Financial Transaction Requests
Transaction Requests containing SecureCode AAV results when issuer is participating in MasterCard SecureCode
AAV Verification Service, process them, and return correctly formatted responses.
Table 4.16—Table 3300611—Issuer Debit MasterCard—MSR Product and Services—MasterCard SecureCode AAV Verification
Service—Financial Transaction Requests

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
1 0200 330061100001 1 N/A NO CVM 00 81 6 001-010 00
DE 48, SE 71 = 05Vb (Valid SecureCode AAV results)

ELECTRONIC
COMMERCE PURCHASE
2 0200 330061100002 1 N/A NO CVM 00 81 6 001-010 V
DE 48, SE 71 = 05Ib (Invalid SecureCode AAV results)

ELECTRONIC

COMMERCE PURCHASE
3 0200 330061100003 1 N/A NO CVM 00 81 6 001-010 V
DE 48, SE 71 = 05Ub (SecureCode AAV unable to process)

4-39
4-40

Registration Program—Financial Transaction Requests
Transaction Requests for MasterCard and Maestro Advance Registration Program (MARP) or MasterCard Utility
Payment Program (MUPP) e-Commerce transactions, process them, and return correctly formatted Financial
Transaction Request Responses.
Merchants participating in MARP and MUPP must process the first e-Commerce transaction on an account
number via MasterCard SecureCode to obtain a dynamic AAV whereas subsequent transactions contain the
static AAV.
Table 4.17—Table 3300616—Issuer Debit MasterCard—MSR Product and Services—MasterCard Advance Registration
Program—Financial Transaction Requests
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0200 330061600001 1 N/A NO CVM 00 81 6 001-010 00
1
DE 48, SE 43 contains dynamic AAV for MasterCard SecureCode
ELECTRONIC
COMMERCE PURCHASE
0200 330061600002 1 N/A NO CVM 00 81 6 001-010 00
2
DE 48, SE 32 contains MasterCard Assigned ID for MasterCard Advance Registration Program
DE 48, SE 43 contains static AAV for MasterCard Advance Registration Program as indicated by position 1 value 4
ELECTRONIC
COMMERCE PURCHASE
0200 330061600003 1 N/A NO CVM 00 81 6 001-010 00
3 DE 48, SE 32 contains MasterCard Assigned ID for MasterCard and Maestro Advance Registration Program
DE 48, SE 43 contains static AAV for MasterCard and Maestro Advance Registration Program as indicated by position 1
value 5
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0200 330061600004 1 N/A NO CVM 00 81 6 001-010 00
4 DE 48, SE 32 contains MasterCard Assigned ID for MasterCard Utility Payment Program

DE 48, SE 43 contains static AAV for MasterCard Utility Payment Program as indicated by value
5MUPPPROGRAM9999999999999999

4-41
4-42

The following test cases will test whether an issuer participating in the MasterCard Assurance Service for India
intracountry card-not-present transactions can receive Financial Transaction Requests, process them, and send
Table 4.18—Table 3300650—Issuer Debit MasterCard—MSR Product and Services—MasterCard Assurance Service—Financial
Case DE DE DE 61
UNKNOWN ENTRY
MO/TO PURCHASE
0200 330065000001 1 N/A NO CVM 00 00 0 00
1 DE 48, SE 42, SF 1, position 3 = 2 (UCAF data collection is supported by the merchant).
DE 61, SF 4 = 4 (Standing order/recurring transactions)

DE 124 = MAS
UNKNOWN ENTRY
MO/TO PURCHASE
0200 330065000002 1 N/A NO CVM 00 01 0 00
DE 61, SF 4 = 3 (Phone/ARU order)
DE 124 = MAS
UNKNOWN ENTRY
MO/TO PURCHASE
0200 330065000002 1 N/A NO CVM 00 01 0 00
DE 61, SF 4 = 2 (Mail/facsimile order)
DE 124 = MAS
3300801—Issuer Debit MasterCard—MSR Product and Services—Address Verification

Transactions Requests with AVS request information, process them, and return correctly formatted Financial
Transaction Responses containing AVS response.
Table 4.19—Table 3300801—Issuer Debit MasterCard—MSR Product and Services—Address Verification Service—Financial

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
0200 330080100001 1 1 NO CVM 00 01 0 001-010 00
1
AVS with Auth with ZIP 9 + address
0210: DE 48, SE 83, SF 1 = X (ZIP/Postal code matches)
MANUAL ENTRY
MO/TO PURCHASE
0200 330080100002 1 1 NO CVM 00 01 0 001-010 00
2

0210: DE 48, SE 83, SF 1 = Y (Yes, all digits match, five-digit ZIP code)
MANUAL ENTRY
MO/TO PURCHASE
0200 330080100003 1 1 NO CVM 00 01 0 001-010 V
3
0210: DE 48, SE 83, SF 1 = A (Address matches, postal/ZIP code does not)
MANUAL ENTRY
MO/TO PURCHASE
0200 330080100004 1 1 NO CVM 00 01 0 001-010 V
4
0210: DE 48, SE 83, SF 1 = W (Zip/Postal code matches, address does not)
4-43
4-44

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
0200 330080100005 1 1 NO CVM 00 01 0 001-010 V
5
0210: DE 48, SE 83, SF 1 = Z (Five-digit ZIP code matches, address does not)
MANUAL ENTRY
MO/TO PURCHASE
0200 330080100006 1 1 NO CVM 00 01 0 001-010 V
6
0210: DE 48, SE 83, SF 1 = N (Nothing matches)

Compromised Account Service—Financial Transaction Requests and Advices
The following test cases will test whether an issuer's Single Message application participating in ADC Event
Messaging Services can receive and process Financial Transaction Requests that contain ADC Event Messaging
Service results in DE 48, subelement 39 (Expert Monitoring Compromised Account Service Information),
or subelement 71 (On-behalf Services).
NOTE

Registration is required to participate in ADC Event Messaging Services.
Service—Financial Transaction Requests and Advices
Case DE DE DE 61
MSR PURCHASE
0200 330090100001 1 1 SIGNATURE 00 90 0 001-010 00
1
DE 48, SE 71 = 25Yb (Expert Monitoring Compromised Account Service - Compromised event data found)
MSR PURCHASE
0200 330090100002 1 1 SIGNATURE 00 90 0 001-010 00

2
DE 48, SE 71 = 25Nb (Expert Monitoring Compromised Account Service - Compromised event data not found)
MSR PURCHASE
0200 330090100003 1 N/A SIGNATURE 00 90 0 001-010 00
3
DE 48, SE 71 = 25Ub (Expert Monitoring Compromised Account Service - Unable to process)
MSR PURCHASE
0220 330090100004 1 1 SIGNATURE 00 90 0 001-010 00
4 DE 48, SE 71 = 25Yb (Expert Monitoring Compromised Account Service - Compromised event data found)
DE 48, SE 39 contains compromised account service information)
DE 60 = 201 (Network Stand-In: IPS signed out)
4-45
4-46

3301001—Issuer Debit MasterCard—MSR Product and Services—Regression
Testing—Financial Transaction Requests
Issuers can use the following test cases to perform regression testing with their Single Message application.
Table 4.21—Table 3301001—Issuer Debit MasterCard—MSR Product and Services—Regression Testing—Financial Transaction
Requests
Case DE DE DE 61
MSR PURCHASE
1 0200 330100100001 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
2 0200 330100100002 1 1 SIGNATURE 00 90 0 019 51
MSR PURCHASE
3 0200 330100100003 1 1 SIGNATURE 00 90 0 001-010 00

MSR PURCHASE
4 0200 330100100004 1 1 SIGNATURE 00 90 0 001-010 00
MSR PURCHASE
WITH CASH BACK
5 0200 330100100005 1 1 SIGNATURE 09 90 0 001-010 00
MSR PURCHASE
0200 330100100006 1 1 SIGNATURE 00 90 0 001-010 00
6
Japan - Business transaction format and content
Case DE DE DE 61
MSR PURCHASE
7 0200 330100100007 1 1 SIGNATURE 00 90 0 070 V
0210: DE 48, SE 87 = Y (CVC 1 invalid)

MANUAL ENTRY
MO/TO PURCHASE

8 0200 330100100008 1 1 NO CVM 00 01 0 074 00
0210: DE 48, SE 87 = M (CVC 2 match)

MANUAL ENTRY
MO/TO PURCHASE
9 0200 330100100009 1 1 NO CVM 00 01 0 071 V
0210: DE 48, SE 87 = N (CVC 2 non-match)

MANUAL ENTRY
MO/TO PURCHASE
0200 330100100011 1 1 NO CVM 00 01 0 001-010 00
10
0210: DE 48, SE 83 = Y (Five-digit ZIP/postal code and address matches)

4-47
4-48

3301099—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass (All
Business Transactions)—Financial Transaction Requests
The following test cases will test whether an issuer's Single Message application can send correctly formatted
MasterCard PayPass™ magnetic stripe Financial Transaction Requests and process the resulting Financial
Transaction Request Responses.
Issuers participating in the PayPass Mapping Service are required to test with MasterCard.
Table 4.22—Table 3301099—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass (All Business
Transactions)—Financial Transaction Requests
Case DE DE DE 61
MSR CONTACTLESS
1
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330109900002 1 0 OR NO CVM 00 91 0 301-305 00
2
MSR CONTACTLESS CAT
LEVEL 1 PURCHASE
0200 330109900003 1 0 ONLINE PIN 00 91 1 V 301-305 00
3
MSR CONTACTLESS CAT
LEVEL 2 PURCHASE
0200 330109900004 1 0 NO CVM 00 91 2 301-305 00
4
Case DE DE DE 61
MSR CONTACTLESS
ATM WITHDRAWAL
0200 330109900005 1 0 ONLINE PIN 01 91 0 V 301-305 00
5

MSR CONTACTLESS CAT
LEVEL 1 ATM BALANCE
6
MSR CONTACTLESS
POS BALANCE INQUIRY
0200 330109900007 1 0 ONLINE PIN 30 91 0 V 301-305 00
7
MSR CONTACTLESS

POS BALANCE INQUIRY
0200 330109900008 1 0 SIGNATURE 30 91 0 301-305 00
8
4-49
4-50

(Technical Conditions)—Financial Transaction Requests
The following test cases will test whether an issuer's Single-Message application can receive Financial
Transaction Requests, process them, and return correctly formatted Financial Transaction Responses when
presented with some of the less common, but valid Maestro®PayPass™M/Chip technical conditions.
Issuers participaing in the PayPass Mapping Service are required to test with MasterCard.
Table 4.23—Table 3301100—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass (Technical
Conditions)—Financial Transaction Requests
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
1 0200 330110000001 1 N/A OR NO CVM 00 91 0 301-305 00
Business transaction format and content; including correct content in DE 22, DE 61, and track data static or dynamic
CVC 3 may be used.

MSR CONTACTLESS
PURCHASE SIGNATURE
2 0200 330110000002 1 N/A OR NO CVM 00 00 0 301-305 V
Business transaction format and content; including correct content in DE 61 and track data and bad value (00) in DE 22,
SF 1. Static or dynamic CVC 3 may be used.
MSR CONTACTLESS
PURCHASE SIGNATURE
3 0200 330110000003 1 N/A OR NO CVM 00 91 0 301-305 V
Business transaction format and content; including correct content in DE 22 and track data and bad value (0) in DE 61, SF
11. Static or dynamic CVC 3 may be used.
MSR PURCHASE
SIGNATURE OR NO
0200 330110000004 1 N/A CVM 00 90 0 301-305 00
4
Business transaction format and content, including correct content DE 22, DE 61 and track data.
PayPass card physically swiped at a contactless magnetic stripe terminal.
Case DE DE DE 61
MANUAL ENTRY
PURCHASE SIGNATURE
0200 330110000005 1 N/A OR NO CVM 00 01 0 301-305 00
5
Business transaction format and content including correct content DE 22 and DE 61.
PayPass card is manually entered at a contactless magnetic stripe terminal.

MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110000006 1 N/A OR NO CVM 00 07 0 301-305 V
6
Business transaction format and content; with inconsistent contents in DE 22, SF 1 (07) and DE 61, SF 11 (4) and
correct track data. Static or dynamic CVC 3 may be used.
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110000007 1 N/A OR NO CVM 00 91 0 301-305 00
7
Business transaction format and content including correct content DE 22, DE 61 and track 2 data.
PayPass card or device tapped at a contactless M/Chip terminal.
MSR CONTACTLESS
PURCHASE SIGNATURE

8 0200 330110000008 1 N/A OR NO CVM 00 91 0 301-305 V
Dynamic CVC 3 users only. Business transaction format and content with correct content in DE 22, DE 61, and track
data. ATC out of range for dynamic CVC 3 checking.
MSR CONTACTLESS
PURCHASE SIGNATURE
9 0200 330110000009 1 N/A OR NO CVM 00 91 0 301-305 V
Dynamic CVC 3 users only. Business transaction format and content with correct content in DE 22, DE 61, and track
data. Bad dynamic CVC 3 value.
4-51
4-52

Case DE DE DE 61
MSR CONTACTLESS
10 This case will test whether an issuer Single Message online application is able to receive an application transaction
counter (ATC) update indicator (value 6) in DE 61, subfield 7 (POS Transaction Status) of Financial Transaction Request
and process the resulting Financial Transaction Response that contain DE 39 = 85 or 00 for approval or 05 for decline.
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110000021 1 N/A OR NO CVM 00 91 0 301-305 00
11 First 0200: Track discretionary data ATC (Application Transaction Counter) set to '10'.
Second 0200 on same card: Track discretionary data ATC set to '2E'.
NOTE
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110000022 1 N/A OR NO CVM 00 91 0 301-305 00
Second 0100 on same card: Track discretionary data ATC set to '1B'.
NOTE
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110000023 1 N/A OR NO CVM 00 91 0 301-305 00
Duplicate ATCs (Reply and same CVC 3 cryptogram) test scenario

Second 0200 on same card: Track discretionary data ATC set to '31'.
Third 0200 on same card: Track discretionary data ATC set to '30' and same ATC cryptogram as first 0200.
NOTE
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110000024 1 N/A OR NO CVM 00 91 0 301-305 00
Duplicate ATCs (Reply and different CVC 3 cryptogram) test scenario
14 Second 0200 on same card: Track discretionary data ATC set to '31'.
Third 0200 on same card: Track discretionary data ATC set to '30' and different ATC cryptogram as first 0200.

NOTE
been compromised.
MSR CONTACTLESS ATM
BALANCE INQUIRY
0200 330110000025 1 N/A ONLINE PIN 30 91 1 301-305 00
15
4-53
4-54

Case DE DE DE 61
MSR CONTACTLESS
ATM WITHDRAWAL
0200 330110000026 1 N/A ONLINE PIN 01 91 1 301-305 00
16
Second 0100 on same card as preceding 0100: Track discretionary data ATC set to '40' and same ATC cryptogram.
NOTE

Mapping Service with Dynamic CVC 3 Pre-validation—Financial Transaction Requests
The following test cases will test whether an issuer's participating in Mastercard®PayPass™ Mapping Service
with M/Chip™ Cryptogram Pre-validation Service Dual Message authorization application can receive and
process Financial Transaction Requests that have undergone mapping from the PayPass PAN to the real PAN, as
well as validation of the M/Chip cryptogram, and return correctly formatted Financial Transaction Responses.

Dynamic CVC 3 Pre-validation—Financial Transaction Requests
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110500001 1 N/A OR NO CVM 00 92 0 311 00
1 Valid CVC 3
DE 48, SE 71 = Valid PAN Mapping and dynamic CVC 3 validation result
DE 48, SE 34, SF 1 = ATC value, SF 2 = No discrepancy, SF 3 = W (ATC value is within the issuer defined limits)

MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110500002 1 N/A OR NO CVM 00 92 0 312 V
2
Invalid CVC 3
DE 48, SE 71 = Valid PAN Mapping result and invalid dynamic CVC 3 validation result
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110500003 1 N/A OR NO CVM 00 92 0 313 V
3
Unable to process CVC 3 validation
DE 48, SE 71 = Valid PAN Mapping result with dynamic CVC 3 validation unable to process
4-55
4-56

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110500004 1 N/A OR NO CVM 00 92 0 316 V
4
Unpredictable number mismatch
DE 48, SE 71 = Valid PAN Mapping result with dynamic CVC 3 unpredictable number mismatch
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110500005 1 N/A OR NO CVM 00 92 0 317 V
5 ATC outside of valid range
DE 48, SE 71 = Valid PAN Mapping result with dynamic CVC 3 ATC out of range result
DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy value, SF 3 = G (value is greater than the maximum value allowed)
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110500006 1 N/A OR NO CVM 00 92 0 318 V
6 ATC outside of valid range

DE 48, SE 71 = PAN Mapping result with dynamic CVC 3 ATC out of range result
DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy value, SF 3 = L (ATC lower than minimum value allowed)
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330110500007 1 N/A OR NO CVM 00 92 0 319 V
7 ATC replay
DE 48, SE 71 = Valid PAN Mapping result with dynamic CVC 3 ATC replay result
DE 48, SE 34, SF 1 = ATC value, SF 2 = No discrepancy, SF 3 = W (ATC value within issuer defined limits)

Mapping Service with Dynamic CVC 3 Validation—Financial Transaction Advices
(System-generated)
The following test cases will test whether an issuer's participating in Mastercard®PayPass™ Mapping Service
with M/Chip™ Cryptogram Pre-validation Service Dual Message authorization application can receive and
process Financial Transaction Requests that have undergone mapping from the PayPass PAN to the real PAN, as
well as validation of the M/Chip cryptogram, and return correctly formatted Financial Transaction Responses.

Dynamic CVC 3 Validation—Financial Transaction Advices (System-generated)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330110600001 1 N/A OR NO CVM 00 92 0 311 00
Valid CVC 3
1

DE 48, SE 71 = Valid PAN Mapping and valid dynamic CVC 3 validation result
DE 60, SF 2 = 0000 (Accept)
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330110600002 1 N/A OR NO CVM 00 92 0 312 00
Invalid CVC 3
DE 48, SE 71 = Valid PAN Mapping and invalid dynamic CVC 3 validation result
4-57

4-58

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330110600003 1 N/A OR NO CVM 00 92 0 313 00
Unable to process
DE 48, SE 71 = Valid PAN Mapping and dynamic CVC 3 validation unable to process result
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330110600004 1 N/A OR NO CVM 00 92 0 316 00


DE 48, SE 71 = Valid PAN Mapping and dynamic CVC 3 validation unpredictable number mismatch result
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330110600005 1 N/A OR NO CVM 00 92 0 317 00
ATC out of range
5
DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy, SF 3 = G (greater than limit)
DE 48, SE 71 = Valid PAN Mapping and dynamic CVC 3 validation ATC out of range result
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330110600006 1 N/A OR NO CVM 00 92 0 318 00
ATC out of range
6

DE 48, SE 34, SF 1 = ATC value, SF 2 = discrepancy, SF 3 = L (less than limit)
DE 48, SE 71 = Valid PAN Mapping and dynamic CVC 3 validation ATC out of range result
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330110600007 1 N/A OR NO CVM 00 92 0 319 00
ATC replay
7

DE 48, SE 71 = Valid PAN Mapping and dynamic CVC 3 validation ATC replay result
4-59
4-60

Enablement Service—Financial Transaction Requests and Advices
The following test cases will test whether an issuer's Single Message application can receive contactless
magnetic stripe Financial Transaction Requests or Advices for transactions when the MasterCard Digital
Enablement Service was performed, process them, and send correctly formatted Financial Transaction
Responses.
Table 4.26—Table 3301141—Issuer Debit MasterCard—MSR Product and Services—MasterCard Digital Enablement
Service—Financial Transaction Requests and Advices
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330114100001 1 N/A OR NO CVM 00 91 0 311 00
MasterCard Digital Enablement Service successfully performed PAN mapping and dynamic CVC 3 validation.
DE 22, SF 1 = 82 (PAN Auto Entry via Server) after conversion from 91 (PAN auto-entry via contactless magnetic stripe).
1
DE 35 track data was removed.

DE 48, SE 34, SF 1 contains ATC value, SF 2 contains ATC discrepancy value, and SF 3 = W (ATC value within issuer
defined limits).
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100002 1 N/A OR NO CVM 00 82 0 311 00
MasterCard Digital Enablement Service successfully performed PAN mapping and dynamic CVC 3 validation; and then
2
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100003 1 N/A OR NO CVM 00 91 0 315 00

MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100004 1 N/A OR NO CVM 00 91 0 313 00

MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100005 1 N/A OR NO CVM 00 91 0 317 00

5
4-61
4-62

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100006 1 N/A OR NO CVM 00 91 0 318 00
6
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100007 1 N/A OR NO CVM 00 91 0 319 00
7
DE 48, SE 71 = 50Cb52Eb for the on-behalf service results.

DE 60 = 1410046 (MasterCard Digital Enablement Service; Reject: CVC 3 ATC replay).
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100008 1 N/A OR NO CVM 00 91 0 312 00
DE 48, SE 87 = Y (Invalid).
DE 60 = 1410044 (MasterCard Digital Enablement Service; Reject: CVC 3 invalid).
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100009 1 N/A OR NO CVM 00 91 0 316 00

DE 48, SE 71 = 50Cb52Nb for the on-behalf service results.
DE 48, SE 87 = E (Length of unpredictable number was not a valid length).
DE 60 = 1410045 (MasterCard Digital Enablement Service; Reject: CVC 3 Unpredictable number mismatch).
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330114100010 1 N/A OR NO CVM 00 91 0 313 00
MasterCard Digital Enablement Service successfully performed PAN mapping but unable to perform dynanic CVC
3 validation.
10

DE 48, SE 87 = P (Unable to process).
DE 60 = 1410042 (MasterCard Digital Enablement Service; Reject: CVC 3 unable to process).
4-63
4-64

Transactions—Financial Transaction Requests
The following test cases will test whether an issuer's Single Message application can receive and process
Financial Transaction Requests containing DE 48, subelement 64 (Transit Program) with applicable values
in subfield 1 (Transit Transaction Type Indicator) and subfield 2 (Transportation Mode Indicator); and send
Table 4.27—Table 3301151—Issuer Debit MasterCard—MSR Product and Services—Transit Program Transactions—Financial
Case DE DE DE 61
MSR CONTACTLESS
1
Prefunded transit transaction type indicator with applicable transportation mode indicator
MSR CONTACTLESS

2
MSR CONTACTLESS
3 0200: DE 4 = one major unit of currency
information.
MSR PURCHASE
0200 330115100004 1 N/A SIGNATURE 00 90 0 001-010 00
4
Case DE DE DE 61
MSR PURCHASE
0200 330115100005 1 N/A SIGNATURE 00 90 0 001-010 00
5
Other transit transaction type indicator with applicable transportation mode indicator
MSR PURCHASE

0200 330115100007 1 N/A SIGNATURE 00 90 0 301-305 00
6 Debt recovery transit transaction type indicator by cardholder at ticket office with applicable transportation mode indicator
information.
MANUAL ENTRY
7 Debt recovery transit transaction type indicator for automatic debt recovery with applicable transportation mode indicator
information.

ELECTRONIC
COMMERCE PURCHASE
0200 330115100009 1 N/A NO CVM 00 81 6 301-305 00
8 Debt recovery transit transaction type indicator by cardholder via website with applicable transportation mode indicator
information.
4-65
4-66

Mapping Service with Dynamic CVC 3 Pre-validation—Financial Transaction Request and
Reversal
The following test case will test whether an issuer's Single Message application can receive correctly formatted
Reversal Requests, process them, and send appropriate Reversal Request Responses.
Issuers participating in the PayPass
Mapping Service and are required to test with MasterCard.

Dynamic CVC 3 Pre-validation—Financial Transaction Request and Reversal
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120100001 1 N/A OR NO CVM 00 92 0 311 00

0420 1 N/A DE 39 = 00 00
1
Full reversal for mapped transaction; CVC 3 validation service not applied to reversals.
DE 48, SF 33 = PPAN information
DE 48, SF 71 = Valid PAN Mapping result
DE 60 = 453 0041 (Financial transaction cancellation: card returned)

Dynamic CVC 3 Pre-validation Service—Financial Transaction Requests
The following test cases will test whether an issuer's Single Message application using the MasterCard
PayPass™ CVC 3 Pre-validation Service can receive CVC 3 normal and exception results in Financial
Transaction Requests and send the correctly formatted Financial Transaction Responses.
Pre-validation Service—Financial Transaction Requests

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120200001 1 N/A OR NO CVM 00 91 0 311 00
1
Valid CVC 3
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120200002 1 N/A OR NO CVM 00 91 0 312 V
2

Invalid CVC 3
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120200003 1 N/A OR NO CVM 00 91 0 313 V
3
Unable to process
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120200004 1 N/A OR NO CVM 00 91 0 316 V
4
4-67
4-68

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120200005 1 N/A OR NO CVM 00 91 0 317 V
5
ATC out of valid range
DE 48, SE 34, SF 1 = ATC value, SF 2 = Discrepancy, SF 3 = G (ATC value is greater than the maximum value allowed)
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120200006 1 N/A OR NO CVM 00 91 0 318 V
6
DE 48, SE 34, SF 1 = ATC value, SF 2 = Discrepancy, SF 3 = L (ATC value is lower than the minimum value)
MSR CONTACTLESS
PURCHASE SIGNATURE
0200 330120200007 1 N/A OR NO CVM 00 91 0 319 V

7
ATC replay

Dynamic CVC 3 Pre-validation Service—Financial Transaction Advices
The following test cases will test whether an issuer's Single Message application can process Financial
Transaction Advices using the MasterCard PayPass™ Dynamic CVC 3 Pre-validation Service.
Pre-validation Service—Financial Transaction Advices
Case DE DE DE 61

MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120300001 1 N/A OR NO CVM 00 91 0 311 00
Valid CVC 3
DE 48, SE 71 = Valid dynamic CVC 3 validation result
DE 60, SF 2 = 0000 (Accept)
MSR CONTACTLESS

PURCHASE SIGNATURE
0220 330120300002 1 N/A OR NO CVM 00 91 0 312 00
Invalid CVC 3
2
DE 48, SE 71 = Invalid dynamic CVC 3 validation result
4-69
4-70

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120300003 1 N/A OR NO CVM 00 91 0 313 00
Unable to process
3
DE 60, SF 2 = 0042 (Unable to process)
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120300004 1 N/A OR NO CVM 00 91 0 316 00
4


MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120300005 1 N/A OR NO CVM 00 91 0 317 00
ATC out of range
DE 48, SE 71 = Dynamic CVC 3 validation ATC out of range result
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120300006 1 N/A OR NO CVM 00 91 0 318 00
ATC out of range

DE 48, SE 34, SF 1 = ATC value, SF 2 = Discrepancy, SF 3 = L (ATC value is lower than the minimum value allowed)
DE 48, SE 71 = Dynamic CVC 3 validation ATC out of range result
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120300007 1 N/A OR NO CVM 00 91 0 319 00
ATC replay
DE 48, SE 71 = Dynamic CVC 3 validation ATC replay result

4-71
4-72

3301205—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass Dynamic
CVC 3 Validation in Stand-In Service—Financial Transaction Advices (System-generated)
Tranaction Advices for Dynamic CVC 3 Validation in Stand-In Service.
Table 4.31—Table 3301205—Issuer Debit MasterCard—MSR Product and Services—MasterCard PayPass Dynamic CVC 3 Validation in
Stand-In Service—Financial Transaction Advices (System-generated)
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120500001 1 N/A OR NO CVM 00 91 0 311 00
Valid CVC 3
DE 48, SE 34, SF 1 = ATC value, SF 2 = No discrepancy, SF 3 = ATC within range


DE 60, SF 2 = 0000 (Accept)
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120500002 1 N/A OR NO CVM 00 91 0 312 00
Invalid CVC 3
Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120500003 1 N/A OR NO CVM 00 91 0 313 00
Unable to process

DE 48, SE 71 = Unable to process dynamic CVC 3
DE 60, SF 2 = 0042 (Unable to process CVC 3)
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120500004 1 N/A OR NO CVM 00 91 0 316 00

MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120500005 1 N/A OR NO CVM 00 91 0 317 00
5
4-73
4-74

Case DE DE DE 61
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120500006 1 N/A OR NO CVM 00 91 0 318 00
6
DE 48, SE 34, SF 1 = ATC value, SF 2 = Discrepancy, SF 3 = L (ATC value is lower than the minimum value allowed)
MSR CONTACTLESS
PURCHASE SIGNATURE
0220 330120500007 1 N/A OR NO CVM 00 91 0 319 00
ATC replay

7
3301301—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring Fraud

Scoring Service—Financial Transaction Requests
The following test cases will test whether an issuer's Single Message System application that is participating
in the EMS Real-time Fraud Scoring Service can receive fraud scoring results in DE 48, subelement 71
(On-behalf Service Indicator) and subelement 75 (Fraud Assessment Prediction Information) of Financial
Transaction Request/0200 messages, process them, and return correctly formatted Financial Transaction
Request Response/0210 messages.

Table 4.32—Table 3301301—Issuer Debit MasterCard—MSR Product and Services—Expert Monitoring Fraud Scoring
Case DE DE DE 61
MSR PURCHASE
0200 330130100001 1 1 SIGNATURE 00 90 0 001-010 00
1
DE 48, SE 75, SF 1 (Fraud score) is present
DE 48, SE 75, SF 2 (Score reason code) is present
MSR PURCHASE

0200 330130100002 1 1 SIGNATURE 00 90 0 001-010 00
2 Fraud Scoring Service with or without optional Fraud Rule Manager Service.
DE 48, SE 71 = 18Ub (Expert Monitoring Fraud Scoring Service was not performed successfully; cannot replicate
unsuccessful processing online).
MSR PURCHASE
0200 330130100004 1 1 SIGNATURE 00 90 0 001-010 00
DE 48, SE 75, SF 2 (Score Reason code) is present
DE 48, SE 75, SF 3 (Rule Adjusted Score) is present
4-75

4-76

3301402—Issuer Debit MasterCard—MSR Product and Services—MasterCard MoneySend
Funding Transactions—Financial Transaction Requests and Reversals
The following test cases will test whether an issuer's Single Message application can process MasterCard
MoneySend™ Funding transactions in the Financial Transaction Requests and Reversal Advices, and return
correctly formatted Financial Responses.
Table 4.33—Table 3301402—Issuer Debit MasterCard—MSR Product and Services—MasterCard MoneySend Funding
Case DE DE DE 61
MANUAL ENTRY
1
0420 1 1 DE 39 = 00 00
DE 18 = 6538 (MasterCard MoneySend Funding); DE 48, TCC = R (Retail); DE 124 (Optional)

MSR CAT LEVEL 1


2
0420 1 1 DE 39 = 00 00

MSR CAT LEVEL 2
0200 330140200003 1 1 PURCHASE NO CVM 00 90 2 001-010 00
3
0420 1 1 DE 39 = 00 00

ELECTRONIC
COMMERCE PURCHASE
0200 330140200004 1 1 NO CVM 00 81 6 001-010 00
4
0420 1 1 DE 39 = 00 00
DE 18 = 6538 (MasterCard MoneySend Funding); DE 48, TCC = T (Phone, Mail or Electronic Commerce Retail); DE
124 (Optional)
Case DE DE DE 61
MSR PURCHASE
0200 330140200005 1 1 SIGNATURE 00 90 0 001-010 00
5
0420 1 1 DE 39 = 00 00

4-77
4-78

3301501—Issuer Debit MasterCard—MSR Product and Services—Program Participation
Indicator—Financial Transaction Requests and Advices
Program Participation Indicator in Financial Transaction Requests and Advices and send correctly formatted
Financial Responses.
NOTE
Effective 19 April 2013, MasterCard will stop sending the C value for registered MasterCard CVC 2
Validation Program merchants. Issuers using the C value to determine the chargeback eligibility of a
face-to-face key-entered transaction should update their chargeback procedures to check instead for
a CVC 2 validation response.
Table 4.34—Table 3301501—Issuer Debit MasterCard—MSR Product and Services—Program Participation Indicator—Financial
Transaction Requests and Advices
Case DE DE DE 61
MANUAL ENTRY
0200 330150100001 1 1 PURCHASE NO CVM 00 01 0 001-010 00

1 This 0200 is the preauthorization for Case ID 2
0200: DE 48, SE 92 (CVC 2) is present
0210: DE 48, SE 87 (CVC 2 results) is required
MANUAL ENTRY
0220 330150100001 1 1 PURCHASE NO CVM 00 01 0 001-010 00
2
This 0220 is the force post for Case ID 1
DE 48, SE 94, SF 1 = C (Indicates the transaction qualifies for the CVC 2 Validation Program)
MANUAL ENTRY
0200 330150100003 0 1 PURCHASE NO CVM 00 01 0 001-010 00
3 QPS transaction DE 18 = 5499 (Miscellaneous Food Stores—Convenience Stores,Markets, Specialty Stores)
0200: DE 48, SE 92 (CVC 2) is present
0210: DE 48, SE 87 (CVC 2 results) is required
Case DE DE DE 61
MANUAL ENTRY
0220 330150100003 0 1 PURCHASE NO CVM 00 01 0 001-010 00
4 This 0220 is the force post for Case ID 3
DE 48, SE 94, SF 1 = C (Indicates the merchant is a MasterCard CVC 2 Validation Program Participant)
DE 48, SE 94, SF 2 = I (QPS or PayPass> transaction is ineligible for chargeback)

MSR PURCHASE NO
5 0200 330150100005 0 1 CVM 00 90 0 001-010 00
QPS transaction - DE 18 = 5814 (Fast Food Restaurants)

MSR PURCHASE NO
0220 330150100005 0 1 CVM 00 90 0 001-010 00
6
This 0220 is the force post for Case ID 5
DE 48, SE 94, SF 2 = I (QPS or PayPass> transaction is ineligible for chargeback)

4-79
4-80

Card Spend Control Service—Financial Transaction Requests and Reversals
The following test cases will test whether an issuer's MasterCard inControl Real Card Spend Controls Single
Message application can receive and process Financial Transaction Requests and Reversals that contain DE 48,
subelement 71 (On-behalf Services) indicating the inControl results and return correctly formatted Financial
Responses. The inControl results are pass or fail, and each fail may trigger an optional alert to the cardholder.
Service—Financial Transaction Requests and Reversals
Case DE DE DE 61
MSR PURCHASE
SIGNATURE OR NO
0200 330160100001 1 1 CVM 00 90 0 RCN_101-109 00
1 0420 1 1 DE 39 = 00 00


MSR PURCHASE
SIGNATURE OR NO
0200 330160100002 1 1 CVM 00 90 0 RCN_100 00
2
MSR PURCHASE
SIGNATURE OR NO
0200 330160100003 1 1 CVM 00 90 0 RCN_115 00
3
Case DE DE DE 61
MSR PURCHASE
SIGNATURE OR NO
0200 330160100004 1 1 CVM 00 90 0 RCN_116 00
4

MSR PURCHASE
SIGNATURE OR NO
0200 330160100005 1 1 CVM 00 90 0 RCN_113 00
5
NOTE
Transaction may need to be re-executed until cumulative amount limit is exceeded.
MSR PURCHASE
SIGNATURE OR NO
0200 330160100006 1 1 CVM 00 90 0 RCN_117 00
6

NOTE
Transaction may need to be re-executed until number usage control is exceeded.
MSR PURCHASE
SIGNATURE OR NO
0200 330160100007 1 1 CVM 00 90 0 RCN_118 00
7
4-81
4-82

Case DE DE DE 61
MSR PURCHASE
SIGNATURE OR NO
0200 330160100008 1 1 CVM 00 90 0 RCN_119 00
8
MSR PURCHASE
SIGNATURE OR NO
0200 330160100009 1 1 CVM 00 90 0 RCN_111 00
9
MSR PURCHASE
SIGNATURE OR NO
0200 330160100010 1 1 CVM 00 90 0 RCN_112 00
10

MSR PURCHASE
SIGNATURE OR NO
0200 330160100011 1 1 CVM 00 90 0 RCN_114 00
11

Card Spend Control Service—Financial Transaction Advices (Acquirer-generated)
Message application can receive and process Financial Transaction Advices (Acquirer-generated) that contain
DE 48, subelement 71 (On-behalf Services) indicating the inControl results and return correctly formatted
Financial Responses. The inControl results are successfully processed or unable to process.

Service—Financial Transaction Advices (Acquirer-generated)
Case DE DE DE 61
MSR PURCHASE
SIGNATURE OR NO
0220 330160200001 1 1 CVM 00 90 0 RCN_101-109 00
1
MSR PURCHASE
SIGNATURE OR NO
0220 330160200002 1 1 CVM 00 90 0 RCN_100 00

2
4-83
4-84

Card Spend Control Service—Financial Transaction Advices (System-generated)
Message application can receive and process Financial Transaction Advices (System-generated) that contain
DE 48, subelement 71 (On-behalf Services) indicating the inControl results and return correctly formatted
Financial Responses. The inControl results are fail and decline, and each fail may trigger an optional alert
to the cardholder.
Service—Financial Transaction Advices (System-generated)
Case DE DE DE 61
MSR PURCHASE
SIGNATURE OR NO
0220 330160300001 1 1 CVM 00 90 0 RCN_125 00
1 Fails validity period limit controls and alert sent
MSR PURCHASE
SIGNATURE OR NO
0220 330160300002 1 1 CVM 00 90 0 RCN_126 00
2 Fails transaction amount limit controls and alert sent
DE 39 = 51 (Insufficient Funds)
Case DE DE DE 61
MSR PURCHASE
SIGNATURE OR NO
0220 330160300003 1 1 CVM 00 90 0 RCN_123 00
3 Fails transaction cumulative amount limit controls and alert sent

MSR PURCHASE
SIGNATURE OR NO
0220 330160300004 1 1 CVM 00 90 0 RCN_127 00
4 Fails transaction number usage controls and alert sent

MSR PURCHASE
SIGNATURE OR NO
0220 330160300005 1 1 CVM 00 90 0 RCN_128 00

5 Fails merchant ID limit controls and alert sent
MSR PURCHASE
SIGNATURE OR NO
0220 330160300006 1 1 CVM 00 90 0 RCN_129 00
6 Fails MCC limit controls and alert sent

4-85
4-86

Case DE DE DE 61
MSR PURCHASE
SIGNATURE OR NO
0220 330160300007 1 1 CVM 00 90 0 RCN_121 00
7 Fails geographic restriction controls and alert sent
MSR PURCHASE
SIGNATURE OR NO
0220 330160300008 1 1 CVM 00 90 0 RCN_122 00
8 Fails transaction type restriction controls and alert sent

MSR PURCHASE
SIGNATURE OR NO
0220 330160300009 1 1 CVM 00 90 0 RCN_124 00
9 Fails transaction time/date restriction controls and alert sent

Card Service—Financial Transaction Requests and Reversals
The following test cases will test whether an issuer's MasterCard inControl Virtual Card Service Single Message
application can receive and process Financial Transaction Requests and Reversals that contain DE 48,
subelement 71 (On-behalf Services) indicating the inControl results, as well as DE 48, subelement 33 (PAN
Mapping File Information), and return correctly formatted Financial Responses. The inControl results are pass
or fail, and each fail triggers an alert to the cardholder.

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0200 330160400001 1 1 NO CVM 00 81 6 VCN_201 00
1 0420 1 1 DE 39 = 00 00
DE 48, SE 71 = 17Vb (inControl VCN with Spend Control Service - Valid)
ELECTRONIC

COMMERCE PURCHASE
0200 330160400002 1 1 NO CVM 00 81 6 VCN_211-219 00
2
ELECTRONIC
COMMERCE PURCHASE
0200 330160400003 1 1 NO CVM 00 81 6 VCN_209 00
3
DE 48, SE 71 = 17Ub (inControl VCN with Spend Control Service - Unable to process)
4-87
4-88

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0200 330160400004 1 1 NO CVM 00 81 6 VCN_241 00
4
Virtual card number successfully mapped, fails validity period limit controls and alert sent
DE 48, SE 71 = 17Db (inControl VCN with Spend Control Service - inControl Validity Period Limit)
ELECTRONIC
COMMERCE PURCHASE
0200 330160400005 1 1 NO CVM 00 81 6 VCN_242 00
5
Virtual card number successfully mapped, fails transaction amount limit controls and alert sent
DE 48, SE 71 = 17Eb (inControl VCN with Spend Control Service - inControl Transaction Amount Limit Check)
ELECTRONIC
COMMERCE PURCHASE
0200 330160400006 1 1 NO CVM 00 81 6 VCN_243 00
Virtual card number successfully mapped, fails cumulative amount limit controls and alert sent
6
DE 48, SE 71 = 17Fb (inControl VCN with Spend Control Service - inControl Cumulative Amount Limit Check)
NOTE
ELECTRONIC
COMMERCE PURCHASE
0200 330160400007 1 1 NO CVM 00 81 6 VCN_244 00
DE 48, SE 71 = 17Gb (inControl VCN with Spend Control Service - inControl Transaction Number Usage)
NOTE
Transaction may need to be re-executed until transaction number usage is exceeded
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0200 330160400008 1 1 NO CVM 00 81 6 VCN_245 00
8
Virtual card number successfully mapped, fails merchant ID limit controls and alert sent
DE 48, SE 71 = 17Hb (inControl VCN with Spend Control Service - inControl Merchant ID Limit)

ELECTRONIC
COMMERCE PURCHASE
0200 330160400009 1 1 NO CVM 00 81 6 VCN_246 00
9
Virtual card number successfully mapped, fails MCC limit controls and alert sent
DE 48, SE 71 = 17Jb (inControl VCN with Spend Control Service - inControl MCC Limit)
ELECTRONIC
COMMERCE PURCHASE
0200 330160400010 1 1 NO CVM 00 81 6 VCN_247 00
10
Virtual card number successfully mapped, fails geographic restriction controls and alert sent
DE 48, SE 71 = 17Lb (inControl VCN with Spend Control Service - inControl Geographic Restriction)
ELECTRONIC

COMMERCE PURCHASE
0200 330160400011 1 1 NO CVM 00 81 6 VCN_248 00
11
Virtual card number successfully mapped, fails transaction type restriction controls and alert sent
DE 48, SE 71 = 17Mb (inControl VCN with Spend Control Service - inControl Transaction Type Restriction)
ELECTRONIC
COMMERCE PURCHASE
0200 330160400012 1 1 NO CVM 00 81 6 VCN_249 00
12
Virtual card number successfully mapped, fails transaction time/date restriction controls and alert sent
DE 48, SE 71 = 17Pb (inControl VCN with Spend Control Service - inControl Transaction Time/Date Restriction)
4-89
4-90

Card Service—Financial Transaction Advices (Acquirer-generated)
The following test cases will test whether an issuer's MasterCard inControl Virtual Card Service issuer Single
Message application can receive and process Financial Transaction Advices (Acquirer-generated) that contain
DE 48, subelement 71 (On-behalf Services) indicating the inControl results, as well as DE 48, subelement 33
(PAN Mapping File Information), and return correctly formatted Financial Responses. The inControl results
are successfully processed or unable to process.
Service—Financial Transaction Advices (Acquirer-generated)
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0220 330160500001 1 1 NO CVM 00 81 6 VCN_201 00
1


ELECTRONIC
COMMERCE PURCHASE
0220 330160500002 1 1 NO CVM 00 81 6 VCN_211-219 00
2
DE 60 = 280 (APS approvd)
ELECTRONIC
COMMERCE PURCHASE
0220 330160500003 1 1 NO CVM 00 81 6 VCN_209 00
3
DE 48, SE 71 = 17Ub (inControl VCN with Spend Control Service - Unable to process)

Card Service—Financial Transaction Advices (System-generated)
The following test cases will test whether an issuer's MasterCard inControl Virtual Card Spend Controls
issuer Single Message application can receive and process Financial Transaction Advices (System-generated)
that contain DE 48, subelement 71 (On-behalf Services) indicating the inControl results, as well as DE 48,
subelement 33 (PAN Mapping File Information) and return correctly formatted Financial Responses. The
inControl results are fail and decline, and each fail triggers an alert to the cardholder.

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0220 330160600001 1 1 NO CVM 00 81 6 VCN_205 00
1 Virtual card number successfully mapped but expiration date does not match
DE 48, SE 71 = 17Ab (inControl VCN with Spend Control Service - VCN expiration date does not match)
DE 60 = 1500060 (inControl - Reject: VCN expiration date does not match)

ELECTRONIC
COMMERCE PURCHASE
0220 330160600002 1 1 NO CVM 00 81 6 VCN_206 00
2 Virtual card number successfully mapped but expiration date expired
DE 48, SE 71 = 17Bb (inControl VCN with Spend Control Service - VCN expiration date expired)
DE 60 = 1500061 (inControl - Reject: VCN expiration date expired)
4-91
4-92

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0220 330160600003 1 1 NO CVM 00 81 6 VCN_207 00
3 Virtual card number successfully mapped but CVC 2 does not match
DE 48, SE 71 = 17Cb (inControl VCN with Spend Control Service - Virtual CVC 2 does not match)
DE 60 = 1500062 (inControl - Reject: Virtual CVC 2 does not match)
ELECTRONIC
COMMERCE PURCHASE
0220 330160600004 1 1 NO CVM 00 81 6 VCN_231 00
4 Virtual card number successfully mapped, fails validity period limit controls and alert sent
DE 48, SE 71 = 17Db (inControl VCN with Spend Control Service - inControl Validity Period Limit)

ELECTRONIC
COMMERCE PURCHASE
0220 330160600005 1 1 NO CVM 00 81 6 VCN_232 00
5 Virtual card number successfully mapped, fails transaction amount limit controls and alert sent
DE 48, SE 71 = 17Eb (inControl VCN with Spend Control Service - inControl Transaction Amount Limit Check)
ELECTRONIC
COMMERCE PURCHASE
0220 330160600006 1 1 NO CVM 00 81 6 VCN_233 00
6 Virtual card number successfully mapped, fails cumulative amount limit controls and alert sent
DE 48, SE 71 = 17Fb (inControl VCN with Spend Control Service - inControl Cumulative Amount Limit Check)
Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0220 330160600007 1 1 NO CVM 00 81 6 VCN_234 00

DE 48, SE 71 = 17Gb (inControl VCN with Spend Control Service - inControl Transaction Number Usage)
ELECTRONIC
COMMERCE PURCHASE
0220 330160600008 1 1 NO CVM 00 81 6 VCN_235 00
8 Virtual card number successfully mapped, fails merchant ID limit controls and alert sent
DE 48, SE 71 = 17Hb (inControl VCN with Spend Control Service - inControl Merchant ID Limit)
ELECTRONIC
COMMERCE PURCHASE
0220 330160600009 1 1 NO CVM 00 81 6 VCN_236 00

9 Virtual card number successfully mapped, fails MCC limit controls and alert sent
DE 48, SE 71 = 17Jb (inControl VCN with Spend Control Service - inControl MCC Limit)
ELECTRONIC
COMMERCE PURCHASE
0220 330160600010 1 1 NO CVM 00 81 6 VCN_237 00
10 Virtual card number successfully mapped, fails geographic restriction controls and alert sent
DE 48, SE 71 = 17Lb (inControl VCN with Spend Control Service - inControl Geographic Restriction)
4-93
4-94

Case DE DE DE 61
ELECTRONIC
COMMERCE PURCHASE
0220 330160600011 1 1 NO CVM 00 81 6 VCN_238 00
11 Virtual card number successfully mapped, fails transaction type restriction controls and alert sent
DE 48, SE 71 = 17Mb (inControl VCN with Spend Control Service - inControl Transaction Type Restriction)
ELECTRONIC
COMMERCE PURCHASE
0220 330160600012 1 1 NO CVM 00 81 6 VCN_239 00
12 Virtual card number successfully mapped but fails transaction time/date restriction controls and alert sent
DE 48, SE 71 = 17Pb (inControl VCN with Spend Control Service - inControl Transaction Time/Date Restriction)

3301801—Issuer Debit MasterCard—MSR Product and Services—PIN Management—Financial

magnetic stripe ATM PIN Change transactions identified in Financial Transaction Requests and Reversals, and
return correctly formatted Financial Transaction Responses containing an appropriate response code for a
PIN Management transaction.
Table 4.41—Table 3301801—Issuer Debit MasterCard—MSR Product and Services—PIN Management—Financial Transaction

Case DE DE DE 61
MSR CAT LEVEL 1
ATM PIN CHANGE
0200 330180100001 1 N/A ONLINE PIN 92 02 1 V 001-010 85
1
0420 1 N/A DE 39 = 00 00
MSR CAT LEVEL 1
ATM PIN CHANGE
0200 330180100002 1 N/A ONLINE PIN 92 90 1 V 001-010 85
2

0420 1 N/A DE 39 = 00 00
MSR CAT LEVEL 1
ATM PIN CHANGE
3 0200 330180100004 1 N/A ONLINE PIN 92 90 1 V 032 71
MSR CAT LEVEL 1
ATM PIN CHANGE
4 0200 330180100005 1 N/A ONLINE PIN 92 90 1 V 033 89
4-95
RC
57
021
Card Id
DE 52
V
DE 61
_10
1
22_1
DE
90
3_1
DE
92
ATM PIN CHANGE

MSR CAT LEVEL 1
ONLINE PIN
MTF
0
SIM
1
Retrieval Ref No
330180100006
0200
MTI
Case
ID
5
3301911—Issuer Debit MasterCard—MSR Product and Services—Intracountry POS Cash Back

The following test cases will test whether an issuer's Single Message application can receive POS cash back
with purchase and cash back only Financial Transaction Requests for intracountry transactions where allowed
by MasterCard, process them, and return correctly-formatted Financial Transaction Responses.
Table 4.42—Table 3301911—Issuer Debit MasterCard—MSR Product and Services—Intracountry POS Cash Back

Case DE DE DE 61
MSR CASH BACK
0200 330191100001 1 1 ONLINE PIN 09 90 1 V 001-010 00
MSR PURCHASE
WITH CASH BACK
0200 330191100002 1 1 ONLINE PIN 09 90 1 V 001-010 00
2

4-97
4-98

3302201—Issuer Debit MasterCard—MSR Product and Services—Healthcare FSA—Financial
The following test cases will test whether an issuer's Single-Message application can receive Real-time
Substantiation Requests including, if applicable, the MasterCard Assigned ID (DE 48 subelement 32) in
Financial Transaction Requests and Reversals, process them, and return correctly formatted Financial
Healthcare Flexible Spending Account and Real-time substantiation is performed by merchant against a
qualifying Inventory Information Approval System (IIAS) to determine if purchases on Healthcare Flexible
Spending Account (FSA) and Healthcare Reimbursement Arrangement (HRA) cards are healthcare eligible
Financial Transaction Requests.
Table 4.43—Table 3302201—Issuer Debit MasterCard—MSR Product and Services—Healthcare FSA—Financial Transaction Requests
and Reversals
Case DE DE DE 61
MSR PURCHASE NO
0200 330220100001 1 1 CVM 00 90 1 001-010 00
1 DE 48, SE 61, SF 3 = 1 (Merchant terminal verified against IIAS).

DE 48, SE 32 (MasterCard Assigned ID) is present and valid.
DE 54 healthcare and prescription eligibility amounts present.
MSR PURCHASE NO
0200 330220100002 1 1 CVM 00 90 1 001-010 00
Case DE DE DE 61
MSR PURCHASE NO
0200 330220100003 1 1 CVM 00 90 1 026 10
0420 1 1 DE 39 = null 00

Acquirer full reversal of issuer partial approval.
MSR PURCHASE NO
0200 330220100004 1 1 CVM 00 90 1 001-010 00
4 DE 48, SE 61, SF 3 = 4 (Transaction was submitted as IIAS but from a non-IIAS-certified merchant).
DE 48, SE 32 (MasterCard Assigned ID) is present but could not be verified.
MSR PURCHASE NO
0200 330220100005 1 1 CVM 00 90 1 001-010 00
5 DE 48, SE 61, SF 3 = 0 (Merchant terminal did not verify purchased items against IIAS).

MSR PURCHASE NO
0200 330220100006 1 1 CVM 00 90 1 001-010 00
6 DE 48, SE 61, SF 3 = 2 (Merchant exempt from Inventory IIAS based on IRS 90 percent rule).
4-99
4-100

Case DE DE DE 61
MSR PURCHASE
0200 330220100007 1 1 ONLINE PIN 00 90 0 V 001-010 00
DE 48, SE 61, SF 3 = 1 (Merchant terminal verified against IIAS).

7
DE 54, SF 2 = 10 (Flexible Spending Account (FSA) eligible expenditure).
DE 54, SF 2 = 11 (Prescription Eligibility Amount)
MSR PURCHASE
WITH CASH BACK
0200 330220100008 1 1 ONLINE PIN 09 90 1 V 001-010 00
8
DE 48, SE 61, SF 3 = 1 (Merchant terminal verified against IIAS).
DE 54 healthcare and cash back amounts present.
3302525—Issuer Debit MasterCard—MSR Product and Services—MasterCard Merchant Data

Services—Financial Transaction Advices (force post)
Transaction Advices (force post) with DE 123 containing MasterCard Merchant Data Services information
when the issuer participates in the optional service, process them, and send correctly formatted Financial
Transaction Advice Responses.
Issuers need only test those transactions applicable to the service in which they participate.

Table 4.44—Table 3302525—Issuer Debit MasterCard—MSR Product and Services—MasterCard Merchant Data Services—Financial
Transaction Advices (force post)
Case DE DE DE 61
MSR PURCHASE
0220 330252500001 1 1 SIGNATURE 00 90 0 001-010 00
DE 123, SE 1, SF 1 = 077 (Cleansed Merchant Data) and SF 2 = FR (Found and replaced).
1
DE 123, SE 2 contains acquirer submitted merchant data for DE 43.
DE 123, SE 3 contains MasterCard provided data for Cleansed Merchant Data participants.
DE 43 contains cleansed merchant data

MSR PURCHASE
0220 330252500002 1 1 SIGNATURE 00 90 0 001-010 00
2
DE 123, SE 1, SF 1 = 077 (Cleansed Merchant Data) and SF 2 = NR (Found but not replaced - same merchant data).
DE 43 contains acquirer submitted merchant data
MSR PURCHASE
0220 330252500011 1 1 SIGNATURE 00 90 0 001-010 00
DE 123, SE 1, SF 1 = 078 (Cleansed Merchant Data Plus) and SF 2 = FR (Found and replaced).
3 DE 123, SE 2 contains acquirer submitted merchant data for DE 43.
DE 123, SE 4 contains MasterCard provided data for Cleansed Merchant Data Plus participants.
4-101
4-102

Case DE DE DE 61
MSR PURCHASE
0220 330252500012 1 1 SIGNATURE 00 90 0 001-010 00
4 DE 123, SE 1, SF 1 = 078 (Cleansed Merchant Data Plus) and SF 2 = AA (Found but not replaced due to same merchant
data and Cleansed Merchant Data Plus data provided.
DE 123, SE 4 contains MasterCard provided data for Cleansed Merchant Data Plus participants.
MSR PURCHASE
0220 330252500013 1 1 SIGNATURE 00 90 0 001-010 00
5
DE 123, SE 1, SF 1 = 078 (Cleansed Merchant Data Plus) and SF 2 = CR (Country restricted; no data provided)
MSR PURCHASE
0220 330252500021 1 1 SIGNATURE 00 90 0 001-010 00
6 DE 123, SE 1, SF 1 = 079 (Cleansed Merchant Data Advance) and SF 2 = PA (Not found but Cleansed Merchant Data
Advance data provided.

DE 123, SE 5 contains MasterCard provided data for Cleansed Merchant Data Advance participants.
MSR PURCHASE
0220 330252500022 1 1 SIGNATURE 00 90 0 001-010 00
7
DE 123, SE 1, SF 1 = 079 (Cleansed Merchant Data Advance) and SF 2 = SU (Service unavailable)
MSR PURCHASE
0220 330252500031 1 1 SIGNATURE 00 90 0 001-010 00
DE 123, SE 1, SF 1 = 080 (Cleansed Merchant Data + Cleansed Merchant Data Advance) and SF 2 = FR (Found and
replaced).
8
DE 123, SE 2 contains acquirer submitted merchant data for DE 43.
Case DE DE DE 61
MSR PURCHASE
0220 330252500032 1 1 SIGNATURE 00 90 0 001-010 00
9 DE 123, SE 1, SF 1 = 080 (Cleansed Merchant Date + Cleansed Merchant Data Advance) and SF 2 = PA (Not found but
Cleansed Merchant Data Advance data provided.

MSR PURCHASE
0220 330252500033 1 1 SIGNATURE 00 90 0 001-010 00
10
DE 123, SE 1, SF 1 = 080 (Cleansed Merchant Data + Cleansed Merchant Data Advance) and SF 2 = SU (Service unavailable)
MSR PURCHASE
0220 330252500041 1 1 SIGNATURE 00 90 0 001-010 00
DE 123, SE 1, SF 1 = 081 (Cleansed Merchant Data Plus + Cleansed Merchant Data Advance) and SF 2 = FR (Found
and replaced).
11 DE 123, SE 2 contains acquirer submitted merchant data for DE 43.

DE 123, SE 4 contains MasterCard provided data for Cleansed Merchant Data Plus
MSR PURCHASE
0220 330252500042 1 1 SIGNATURE 00 90 0 001-010 00
DE 123, SE 1, SF 1 = 081 (Cleansed Merchant Data Plus + Cleansed Merchant Data Advance) and SF 2 = FN (Found
12 but not replaced).
DE 123, SE 4 contains MasterCard provided data for Cleansed Merchant Data Plus
4-103
4-104

Case DE DE DE 61
MSR PURCHASE
0220 330252500043 1 1 SIGNATURE 00 90 0 001-010 00
13 DE 123, SE 1, SF 1 = 081 (Cleansed Merchant Data Plus + Cleansed Merchant Data Advance) and SF 2 = SU (Service
unavailable)
3303101—Issuer Debit MasterCard—MSR Product and Services—Fraud Notification

Service—Financial Transaction Requests, Advices and Reversals
transactions with DE 48 (Additional Data), sublelement 19 (Fraud Notification Information) for the Fraud
Notification Service.
Issuers must be able to receive a Representment with DE 48, SE 19, SF 3 (Fraud Notification Service Second
Presentment Rights Indicator).

Table 4.45—Table 3303101—Issuer Debit MasterCard—MSR Product and Services—Fraud Notification Service—Financial Transaction
Requests, Advices and Reversals
Case DE DE DE 61
MSR ATM WITHDRAWAL
0200 330310100001 N/A 1 ONLINE PIN 01 90 1 V 001-010 00
1
DE 3, SF 2 = 00 (No account specified (NAS)/Default Account)
DE 4 = 40.00
0422 330310100001 N/A 1 CHARGEBACK 00
2 DE 3, SF 2 = 00 (No account specified (NAS)/Default Account)

DE 4 = 40.00
DE 60 = 489 0017 (Chargeback Cardholder dispute [ATM only])
0420 330310100001 N/A 1 REPRESENTMENT 00

DE 3, SF 2 = 00 (No account specified (NAS)/Default Account)
3 DE 48, SE 19, SF 3 = FNS (Fraud Notification Service Second Presentment Rights Indicator)
DE 60 = 491 0013 (Representment)
DE 95, SF 1 = 40.00
4-105
4-106

3303601—Issuer Debit MasterCard—MSR Product and Services—Recurring Payment Test
The following test case will test whether an issuer's Single Message application can receive Financial
Transaction Request for a recurring payment test transaction and send a correctly formatted Financial
Transaction Response.
Table 4.46—Table 3303601—Issuer Debit MasterCard—MSR Product and Services—Recurring Payment Test Transactions—Financial
Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
0200 330360100001 1 1 NO CVM 00 01 0 001-010 V
1
Zero transaction amount recurring payment test transaction.
0200: DE 4 = all zeros; DE 61, SF 4 = 4 (Standing order/recurring transactions); DE 61, SF 7 = 4 (Preauthorized request).
0210: DE 39 recommended approval response code is 85 (Not declined) although 00 (Approved) is also acceptable.
3303701—Issuer Debit MasterCard—MSR Product and Services—Account Status Inquiry

The following test cases will test whether an issuer's Single Message application can receive correctly
formatted Account Status Inquiry transactions, including optional AVS request or CVC 2 in the Financial
Transaction Requests, and return the resulting Financial Transaction Response information, including DE 39
(Response Code) wherein issuers have the option to use 85 (Not declined) or 05 (Do not honor), as well as
any AVS or CVC 2 response.

Table 4.47—Table 3303701—Issuer Debit MasterCard—MSR Product and Services—Account Status Inquiry Service—Financial
Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
1 0200 330370100001 1 1 NO CVM 00 01 0 500, 515 V
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100002 1 1 NO CVM 00 01 0 050, 502 V
2

MANUAL ENTRY
MO/TO PURCHASE
0200 330370100003 1 1 NO CVM 00 01 0 051, 503 V
3
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100004 1 1 NO CVM 00 01 0 052, 504 V
4
4-107
4-108

Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100005 1 1 NO CVM 00 01 0 077, 512 V
5
0210: DE 48, SE 83 = S (AVS currently not supported)
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100006 1 1 NO CVM 00 01 0 053, 505 V
6
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100007 1 1 NO CVM 00 01 0 054, 506 V
7

0210: DE 48, SE 83 = W (Postal code matches, address does not)
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100008 1 1 NO CVM 00 01 0 055, 507 V
8
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100009 1 1 NO CVM 00 01 0 056, 508 V
9
0210: DE 48, SE 83 = Y (Yes, all digits match, five-digit ZIP code)
Case DE DE DE 61
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100010 1 1 NO CVM 00 01 0 057, 509 V
10
0210: DE 48, SE 83 = Z (Five-digit ZIP code matches; address does not)

MANUAL ENTRY
MO/TO PURCHASE
0200 330370100011 1 1 NO CVM 00 01 0 078, 513 V
11
0210: DE 48, SE 83 = Y (Yes, all digits match, five-digit ZIP code)
0210: DE 48, SE 87 = M (Valid CVC 2)
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100012 1 1 NO CVM 00 01 0 079, 514 V
12

MANUAL ENTRY
MO/TO PURCHASE
0200 330370100013 1 1 NO CVM 00 01 0 074, 511 V
13
0210: DE 48, SE 87 = M (Valid CVC 2)
MANUAL ENTRY
MO/TO PURCHASE
0200 330370100014 1 1 NO CVM 00 01 0 071, 510 V
14
4-109
4-110

Case DE DE DE 61
MSR PURCHASE
15 0200 330370100015 1 1 SIGNATURE 00 90 0 501, 516 V
MANUAL ENTRY
PAYMENT
MANUAL ENTRY
PAYMENT

MANUAL ENTRY
PAYMENT
Case DE DE DE 61
MANUAL ENTRY
PAYMENT


4-111
4-112

Payments—Financial Transaction Requests and Reversals
Test cases 1-11 will test whether an issuer's Single Message application that is participating in the optional
Mobile Remote Payments Program can receive financial transaction requests containing DE 22, subfield 1 = 82
(PAN Auto Entry via Server), DE 48, subelement 48, subfield 1 = 1 (Issuer Domain) and applicable subfields
3, 4, or both, process them, and send correctly formatted responses.
Test cases 12-13 will test whether an issuer single Message application can receive the optional DE 22, subfield
1 = 82 for transactions that are not part of the optional Mobile Remote Payments Program.
Test cases 14-22 will test whether an issuer Single Message application that is participating in the optional
Mobile Remote Payments Program can receive financial transaction requests containing DE 22, subfield 1 = 82
(PAN Auto Entry via Server), DE 48, subelement 48, subfield 1 = 2 (Acquirer Domain) and applicable subfields
3, 4, or both, process them, and send correctly formatted financial transaction responses.
Table 4.48—Table 3303901—Issuer Debit MasterCard—MSR Product and Services—Mobile Remote Payments—Financial Transaction
Case DE DE DE 61
SERVER PURCHASE
0200 330390101112 1 1 ONLINE PIN 00 82 6 V 001-010 00
1
SERVER PURCHASE
0200 330390101122 1 1 ONLINE PIN 00 82 6 V 001-010 00
2 Mobile-initiated purchase via issuer domain with online PIN validation
DE 48, SE 48, SF 1 = 1 (Issuer domain), SF 3 contains Customer mobile phone number, SF 4 contains customer
SERVER PURCHASE
0200 330390101132 1 1 ONLINE PIN 00 82 6 V 001-010 00
3
DE 48, SE 48, SF 1 = 1 (Issuer domain) and SF 3 contains Customer mobile phone number
Case DE DE DE 61
SERVER PURCHASE
0200 330390101142 1 1 ONLINE PIN 00 82 6 V 001-010 00
4
DE 48, SE 48, SF 1 = 1 (Issuer domain) and SF 4 contains customer convenience fee data
SERVER PURCHASE

0200 330390101113 1 1 NO CVM 00 82 6 001-010 00
5
Mobile-initiated purchase via issuer domain with Accountholder Authentication Value (AAV) authentication.
SERVER PURCHASE
0200 330390101212 1 1 ONLINE PIN 00 82 6 V 001-010 00
6
Mobile-initiated mobile phone top-up purchase via issuer domain with PIN authentication.
SERVER PURCHASE
0200 330390101213 1 1 NO CVM 00 82 6 001-010 00
7 Mobile-initiated mobile phone top-up purchase via issuer domain with Accountholder Authentication Value (AAV)
authentication.

SERVER PAYMENT
TRANSACTION ONLINE
0200 330390101312 1 1 PIN 28 82 6 V 001-010 00
8
Mobile-initiated payment transaction via issuer domain with PIN authentication.
SERVER PAYMENT
9
Mobile-initiated payment transaction via issuer domain with Accountholder Authentication Value (AAV) authentication.
4-113
4-114

Case DE DE DE 61
SERVER BALANCE
10
Mobile-initiated balance inquiry via issuer domain with PIN authentication.
SERVER BALANCE
0200 330390101413 1 1 INQUIRY NO CVM 30 82 6 001-010 00
11
Mobile-initiated balance inquiry via issuer domain with Accountholder Authentication Value (AAV) authentication.
SERVER ELECTRONIC
COMMERCE PURCHASE
0200 330390100012 1 1 NO CVM 00 82 6 001-010 00
12 0420 1 1 DE 39 = 00 00
Server electronic commerce purchase and UCAF not supported.

Full reversal.
SERVER MO/TO
0200 330390100013 1 1 PURCHASE NO CVM 00 82 0 001-010 00
13 0420 1 1 DE 39 = 00 00
Server phone order purchase.
Full reversal.
SERVER PURCHASE
0200 330390102111 1 1 NO CVM 00 82 6 001-010 00
14
Case DE DE DE 61
SERVER PURCHASE
0200 330390102121 1 1 NO CVM 00 82 6 001-010 00
15 Mobile-initiated purchase via acquirer domain with no online validation
DE 48, SE 48, SF 1 = 2 (Acquirer domain), SF 3 contains Customer mobile phone number, SF 4 contains customer

SERVER PURCHASE
0200 330390102131 1 1 NO CVM 00 82 6 001-010 00
16
DE 48, SE 48, SF 1 = 2 (Acquirer domain) and SF 3 contains Customer mobile phone number
SERVER PURCHASE
0200 330390102141 1 1 NO CVM 00 82 6 001-010 00
17
DE 48, SE 48, SF 1 = 2 (Acquirer domain) and SF 4 contains customer convenience fee data
SERVER PURCHASE
0200 330390102114 1 1 NO CVM 00 82 6 001-010 00
18
Mobile-initiated purchase via acquirer domain with Accountholder Authentication Value (AAV) authentication.

SERVER PURCHASE
0200 330390102211 1 1 NO CVM 00 82 6 001-010 00
19
Mobile-initiated mobile phone top-up purchase via acquirer domain.
SERVER PURCHASE
0200 330390102214 1 1 NO CVM 00 82 6 001-010 00
20 Mobile-initiated mobile phone top-up purchase via acquirer domain with Accountholder Authentication Value (AAV)
authentication.
4-115
4-116

Case DE DE DE 61
SERVER PAYMENT
21
Mobile-initiated payment transaction via acquirer domain.
SERVER PAYMENT
22
Mobile-initiated payment transaction via acquirer domain with Accountholder Authentication Value (AAV) authentication.

Indicator—Financial Transaction Requests and Reversals
Transaction Requests that contain the optional Device Type Indicator in DE 48, subelement 23, subfield 1
(Device Type) and send correctly formatted Financial Transaction Responses.
Table 4.49—Table 3304001—Issuer Debit MasterCard—MSR Product and Services—Device Type Indicator—Financial Transaction

Case DE DE DE 61
MSR CONTACTLESS
1 0200 330400100001 1 1 PURCHASE NO CVM 00 91 0 301-305 00
DE 48, SE 23, SF 1 = 00 (Card)

MSR CONTACTLESS
2 0200 330400100009 1 1 PURCHASE NO CVM 00 91 0 301-305 00

4-117

The test cases listed in this section are applicable when upgrading to integrated
circuit card (ICC)-based operations. Select the appropriate business transactions
from the following tables and conduct the associated test cases.
NOTE
The transaction amounts customers use must be above the floor limit to cause
the transaction to go online, as required in the test cases (transaction amounts
below the floor limit will be processed offline).
Base Testing
Financial Response M/Chip-specific General Acceptance Criteria

Unless otherwise specified in the comments field of each test case, the following
conditions must be fulfilled with all M/Chip™ Financial Response/0210
Messages:
• When present in Financial Request Message, DE 52 (PIN Data) must be

validated successfully by the Issuer.
Response Cryptogram (ARPC) present in Tag 91 must be
successfully-validated by the simulator.
• When DE 55 is present, only mandatory and optional tags must be included
in DE 55.
Response Code (ARC) present in Tag 91 just after the ARPC must be a valid
value according to the Card Application used. The ARC exists in various
lengths, formats and contents, here are some of the most commonly used
formats:
– M/Chip™ 2 and UKIS, the ARC must be the binary representation of the
two ASCII bytes representing the response code given by the card issuer
(may differ from the value contained in DE 39 [Response Code]).
– M/Chip 4, the ARC must contain two binary bytes, and must be a valid
M/Chip 4 value, according to the M/Chip 4 Version 1.1 Card Application
Specifications manual.

3350001—Issuer Debit MasterCard—ICC Base—All Business Transaction—Financial

The following test cases will test whether an issuer's Single Message application can process correctly
formatted Financial Transaction Requests for various business transactions and generate the resulting Financial
Table 4.50—Table 3350001—Issuer Debit MasterCard—ICC Base—All Business Transaction—Financial Transaction Requests

Case DE DE DE 61
ICC CAT LEVEL 1
ATM WITHDRAWAL
0200 335000100001 1 N/A ONLINE PIN 01 05 1 V 101-105 00
1
0420 1 N/A DE 39 = 00 00
Request from full grade acquirer - Response message meets the financial transaction request response chip-specific
general acceptance criteria.
ICC PURCHASE
0200 335000100003 1 N/A SIGNATURE 00 05 0 101-105 00
2 0420 1 N/A DE 39 = 00 00
Request from full grade acquirer
Response message meets the financial transaction request response chip-specific general acceptance criteria.
ICC PURCHASE
0200 335000100004 1 N/A OFFLINE PIN 00 05 1 101-105 00

3
ICC CAT LEVEL 1
4
Request from full grade acquirer
4-119
4-120

Case DE DE DE 61
ICC CAT LEVEL 1
PURCHASE OFFLINE
5 0200 335000100006 1 N/A PIN 00 05 1 101-105 00
ICC CAT LEVEL 2
6
ICC CAT LEVEL 4

7
ICC CASH
DISBURSEMENT
8 0200 335000100009 1 N/A SIGNATURE 17 05 0 101-105 00
ICC CASH
DISBURSEMENT
9 0200 335000100010 1 N/A OFFLINE PIN 17 05 0 101-105 00
ICC CASH
DISBURSEMENT
10 0200 335000100026 1 N/A ONLINE PIN 17 05 0 V 101-105 00
Case DE DE DE 61
ICC PURCHASE ONLINE
0200 335000100027 1 N/A PIN 00 05 0 V 101-105 00
11
ICC PAYMENT

12
ICC PURCHASE WITH
CASH BACK ONLINE
13 0200 335000100032 1 N/A PIN 09 05 0 V 101-105 00
general acceptance criteria
ICC PURCHASE WITH
CASH BACK OFFLINE
14 0200 335000100033 1 N/A PIN 09 05 0 101-105 00

4-121
4-122

3350002—Issuer Debit MasterCard—ICC Base—Technical Conditions—Financial Transaction
Requests
Transaction Requests, process them, and return correctly formatted Financial Transaction Responses under the
less common, but valid, general conditions surrounding the Single Message System.
Table 4.51—Table 3350002—Issuer Debit MasterCard—ICC Base—Technical Conditions—Financial Transaction Requests
Case DE DE DE 61
ICC PURCHASE
0200 335000200004 1 N/A OFFLINE PIN 00 05 0 101-105 00
1
Request from full grade acquirer with all DE 55 mandatory and optional data elements. Response message meets the
financial transaction request response chip-specific general acceptance criteria.
ICC PURCHASE
0200 335000200007 1 N/A OFFLINE PIN 00 05 0 106 00
Request from full grade acquirer. Issuer response should include one or more Issuer scripts.
2 The script template contains one or more Issuer script commands. Required only if issuer supports EMV post-issuance
commands.
Response message meets the financial transaction request response chip-specific general acceptance criteria plus the
following:
ICC FALLBACK TO
MAGNETIC STRIPE
3 Fallback to magnetic stripe on hybrid cards (DE 22,SF 1 = 80 (Chip card at chip-capable terminal was unable to process
transaction using data on the chip).
Response Code in DE 39 of the response. The purpose of this test is to confirm that the Issuer's system can process
Case DE DE DE 61
ICC ATM WITHDRAWAL
0200 335000200012 1 N/A ONLINE PIN 01 05 0 V 101-105 00
4
Request from full grade acquirer with all DE 55 mandatory and optional elements. Response message meets the financial
transaction request response chip-specific general acceptance criteria.
ICC ATM WITHDRAWAL

0200 335000200015 1 N/A ONLINE PIN 01 05 0 V 106 00
5 Issuer response should include one or more Issuer scripts. The script template contains one or more Issuer script
commands. Required only if issuer supports EMV post-issuance commands.
Response message meets the financial transaction request response chip-specific general acceptance criteria plus the
following:
ICC FALLBACK TO
MANUAL ENTRY
6 Fallback to manual entry on hybrid cards (DE 22, SF 1 = 79 (Chip card at chip-capable terminal was unable to process
transaction using data on the chip.)
Response Code in DE 39 of the response. The purpose of this test is to confirm that the Issuer's system can process
ICC PURCHASE

SIGNATURE OR NO
7 0200 335000200017 1 N/A CVM 00 05 0 101-105 00
Request from full grade acquirer where POS and network currency code (DE55, Tag 9F1A) Terminal Country Code do not
match. Response message meets the financial transaction request response chip-specific general acceptance criteria.
ICC PURCHASE
SIGNATURE OR NO
8 0200 335000200018 1 N/A CVM 00 05 0 101-105 00
Request from full grade acquirer where gratuity addition causes network message amount and ICC data amount to be
4-123
different. Response message meets the financial transaction request response chip-specific general acceptance criteria.
4-124

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0200 335000200019 1 N/A CVM 00 05 0 101-105 00
DE 61, SF 11 = 8 (EMV specification [compatible chip reader], magnetic stripe reader and key entry)
ICC PURCHASE
SIGNATURE OR NO
0200 335000200020 1 N/A CVM 00 05 0 101-105 00
DE 61, SF 11 = 9 (EMV specification [compatible chip reader])
ICC PURCHASE
0200 335000200021 1 N/A OFFLINE PIN 00 05 0 109 00
This case will test whether issuers will approve full grade chip acquirer financial transaction request containing a
Transaction Certificate (TC) instead of an Application Request Cryptogram (ARQC) as well as containing the mandatory
11
data elements that constitute a valid message.
DE 55 TAG 9F10 (Issuer Application Data CVR byte 1) = 9x wherein 'x' depends on CVM method used
DE 55 TAG 9F27 (Cryptogram Information Data) = 4x (Transaction Certificate).
Case DE DE DE 61
ICC PURCHASE
0200 335000200022 1 N/A OFFLINE PIN 00 05 0 110 05
This case will test whether issuers do not respond with an Application Response Cryptogram (ARPC) when the Application
Request Cryptogram (ARQC) in the request is invalid.
12 Request from full grade acquirer containing the mandatory data elements that constitute a valid message, with an
invalid ARQC cryptogram in DE 55 TAG 9F26.

Response message meets the financial transaction request response chip-specific general acceptance criteria except DE
55 must not be included.
ICC PURCHASE
SIGNATURE OR NO
0200 335000200023 1 N/A CVM 00 05 0 101-105 00
Request from full grade acquirer supporting PayPass M/Chip containing the mandatory data elements that constitute a
13
valid message.
ICC FALLBACK TO
MAGNETIC STRIPE
PURCHASE SIGNATURE
0200 335000200024 1 N/A OR NO CVM 00 80 0 101-105 V

14
Fallback to magnetic stripe on hybrid cards (DE 022 = 80x) financial transaction request.
Issuer should respond as if to a normal magnetic stripe transaction.
4-125
4-126

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0200 335000200025 1 N/A CVM 00 05 0 V 101-105 V
15 Request from partial grade acquirer - DE 55 (ICC system-related data) is not present in response message.
ICC CAT LEVEL 1
ATM WITHDRAWAL
0200 335000200026 1 N/A ONLINE PIN 01 05 1 V 101-105 V
16 Request from partial grade acquirer. Response message does not contain DE55.
3350003—Issuer Debit MasterCard—ICC Base—All Business Transctions—Financial

Transaction Advices
Transaction Advices and generate the resulting correctly formated Financial Transaction Advice Responses.
Table 4.52—Table 3350003—Issuer Debit MasterCard—ICC Base—All Business Transctions—Financial Transaction Advices
Case DE DE DE 61

ICC PURCHASE
1 0220 335000300001 1 N/A OFFLINE PIN 00 05 0 101-105 00
Full grade transaction advising approval
ICC PURCHASE
2 0220 335000300002 1 N/A OFFLINE PIN 00 05 0 101-105 00
Full grade transaction, advising decline (RC in 0220 = 51)

4-127
4-128

3350006—Issuer Debit MasterCard—ICC Base—ICC Exceptions—Financial Transaction
Requests
Financial Transaction Requests that contain a bad ARQC and generate the resulting correctly formatted
Financial Transaction Request Responses.
Table 4.53—Table 3350006—Issuer Debit MasterCard—ICC Base—ICC Exceptions—Financial Transaction Requests
Case DE DE DE 61
ICC CAT LEVEL 1
ATM WITHDRAWAL
0200 335000600001 1 N/A ONLINE PIN 01 05 1 V 101-105 57
1 Full grade acquirer request with a bad ARQC
ICC PURCHASE
0200 335000600002 1 N/A OFFLINE PIN 00 05 0 101-105 57
2 Full grade acquirer request with a bad ARQC

Programs and Services Testing

This section contains testing scripts for different Programs and Services offered by MasterCard for the Single
Message System as optional services. These services are available only to customers that connect directly
to the Single Message System.
For details about these Programs and Services refer to the Single Message System Programs and Services
manual located on MasterCard OnLine™.

4-129
4-130

3350101—Issuer Debit MasterCard—ICC Product and Services—PIN Management (All Business
The following test cases will test whether an issuer's Single Message application can receive PIN Management
Financial Transaction Requests, processes them and return correctly formatted Financial Transaction Responses.
Table 4.54—Table 3350101—Issuer Debit MasterCard—ICC Product and Services—PIN Management (All Business
Case DE DE DE 61
ICC CAT LEVEL 1
ATM PIN UNBLOCK
0200 335010100001 1 N/A ONLINE PIN 91 05 1 V 141-143 V
1 Response message meets the financial transaction request response chip-specific general acceptance criteria plus the
following:
DE 55, TAG 71 or 72 (Issuer script) must be present in response message and contain a valid PIN unblock command
Recommended issuer response is 85 (Not declined) for successful PIN unblock.

ICC CAT LEVEL 1

ATM PIN CHANGE
0200 335010100002 1 N/A ONLINE PIN 92 05 1 V 141-143 V
2 Response message meets the financial transaction request response chip-specific general acceptance criteria plus the
following:
DE 55, TAG 71 or 72 (Issuer script) must be present in response message and contain a valid PIN change command
Recommended issuer response is 85 (Not declined) for successful PIN change.
3350102—Issuer Debit MasterCard—ICC Product and Services—PIN Management (Selected

Response Codes)—Financial Transaction Requests
The following test cases will test whether an issuer's Single Message application can respond with the decline
response codes commonly used in PIN Management Financial Transaction Request Responses.
Table 4.55—Table 3350102—Issuer Debit MasterCard—ICC Product and Services—PIN Management (Selected Response
Codes)—Financial Transaction Requests
Case DE DE DE 61

ICC CAT LEVEL 1
ATM PIN UNBLOCK
0200 335010200001 1 N/A ONLINE PIN 91 05 1 V 144 70
1
Contact card issuer.
ICC CAT LEVEL 1
ATM PIN CHANGE
0200 335010200002 1 N/A ONLINE PIN 92 05 1 V 145 71
2
PIN not changed.
ICC CAT LEVEL 1
ATM PIN CHANGE
0200 335010200003 1 N/A ONLINE PIN 92 05 1 V 147 89
3

Unacceptable PIN transaction declined - retry.
4-131
4-132

(Reversals)—Financial Transaction Requests and Reversals
The following test cases will test whether an issuer's Single Message application can receive PIN Management
Reversal Advices, process them, and return correctly formatted Reversal Advice Responses. Issuer systems
must be able to undo the PIN change and PIN unblock after receipt of Request
NOTE
The response codes tested in both the Reversal Advices and the Reversal Advice Responses do not
First, customers must process the PIN Management Requests on which the Reversal Advices are based.
Second, customers must process Reversal Advices based on these Financial Transaction Requests.
Table 4.56—Table 3350103—Issuer Debit MasterCard—ICC Product and Services—PIN Management (Reversals)—Financial
Case DE DE DE 61
ICC CAT LEVEL 1

ATM PIN CHANGE
0200 335010300001 1 N/A ONLINE PIN 92 05 1 V 141-143 V
1 0420 1 N/A DE 39 = 00 00
Full reversal after timeout - DE 60 = 455 0090 (APS timeout; card returned)
ICC CAT LEVEL 1
ATM PIN UNBLOCK
0200 335010300002 1 N/A ONLINE PIN 91 05 1 V 141-143 V
2 0420 1 N/A DE 39 = 00 00
DE 55, SE 71 or 72 (Issuer script) must be present in response message and contain a valid PIN unblock command.
Full reversal after issuer script implementation failed at acquirer.

Conversion Service—Financial Transaction Requests
The following test cases will test whether an issuer's Single Message application can correctly process Financial
Transaction Requests that have been processed by the MasterCard Chip to Magnetic Stripe Conversion Service.
NOTE
these tests.

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
1 0200 335020100001 1 N/A CVM 00 90 0 101-105 00
DE 48, SE 71 = 01Cb indicates conversion from DE 22, SF 1 = 05 (PAN auto-entry via integrated circuit card)
ICC CONTACTLESS
PURCHASE SIGNATURE
2 0200 335020100002 1 N/A OR NO CVM 00 90 0 401-405 00
DE 48, SE 71 = 01Sb indicates conversion from DE 22, SF 1 = 07 (PAN auto-entry via contactless M/Chip)
ICC FALLBACK TO
MANUAL PURCHASE

3 0200 335020100003 1 N/A SIGNATURE 00 01 0 101-105 V
DE 48, SE 71 = 01Cb indicates conversion from DE 22, SF 1 = 79 (PAN manual entry due to chip card at chip-capable
terminal unable to process using technology. Terminal unable to send transaction online. Voice authorization obtained).
ICC FALLBACK TO
MAGNETIC STRIPE
DE 48, SE 71 = 01Mb indicates conversion from DE 22, SF 1 = 80 (PAN auto-entry via magentic stripe due to fallback
from chip)
4-133
4-134

Case DE DE DE 61
MSR PURCHASE
5 0200 335020100006 1 N/A SIGNATURE 00 90 0 101-105 00
Transaction not eligible for the Chip to Magnetic Stripe Conversion Service.
ICC CASH
DISBURSEMENT
6 0200 335020100008 1 N/A SIGNATURE 17 90 0 101-105 00
ICC PURCHASE ONLINE
7 0200 335020100009 1 N/A PIN 00 90 0 V 101-105 00

Conversion Service—Financial Transaction Advices
formatted Financial Transaction Advices processed by the Chip to Magnetic Stripe Conversion Service.
NOTE
these tests.

Service—Financial Transaction Advices
Case DE DE DE 61
ICC PURCHASE
1 0220 335020200001 1 N/A SIGNATURE 00 90 0 101-105 00
ICC FALLBACK TO
MANUAL PURCHASE
2 0220 335020200002 1 N/A SIGNATURE 00 01 0 101-105 00
DE 48, SE 71 = 01Cb indicates conversion from DE 22, SF 1 = 79

4-135
4-136

Validation in Stand-In Processing—Financial Transaction Advices
Transaction Advices that have been processed by the MasterCard M/Chip™ Cryptogram Pre-validation Service.
Table 4.59—Table 3350203—Issuer Debit MasterCard—ICC Product and Services—M/Chip Cryptogram Validation in Stand-In
Processing—Financial Transaction Advices
Case DE DE DE 61
ICC PURCHASE
0220 335020300001 1 N/A SIGNATURE 00 05 0 101-105 00
1
ICC PURCHASE
0220 335020300002 1 N/A SIGNATURE 00 05 0 101-105 00

ICC PURCHASE
0220 335020300003 1 N/A SIGNATURE 00 05 0 101-105 00
3
ICC PURCHASE
0220 335020300004 1 N/A SIGNATURE 00 05 0 101-105 00
Case DE DE DE 61
ICC PURCHASE
0220 335020300005 1 N/A SIGNATURE 00 05 0 101-105 00

ICC PURCHASE
0220 335020300006 1 N/A SIGNATURE 00 05 0 101-105 00
6
ICC PURCHASE
0220 335020300007 1 N/A SIGNATURE 00 05 0 101-105 00
ICC PURCHASE
0220 335020300008 1 N/A SIGNATURE 00 05 0 101-105 00
8

ICC PURCHASE
0220 335020300009 1 N/A SIGNATURE 00 05 0 101-105 00
4-137
4-138

Case DE DE DE 61
ICC PURCHASE
0220 335020300010 1 N/A SIGNATURE 00 05 0 101-105 00
ICC CONTACTLESS
11

Conversion Service (Option to prevent modification of DE 22)—Financial Transaction
Requests, Reversals and Advices
The following test cases will test whether an issuer's Single Message authorization application can process
Financial Transaction Requests, Reversals and Advices that underwent the MasterCard Chip to Magnetic Stripe
Conversion Service with option to prevent modification of DE 22.
Issuers will receive the service results in DE 48, SE 71 unless they choose to suppress those results.

Table 4.60—Table 3350206—Issuer Debit MasterCard—ICC Product and Services—Chip to Magnetic Stripe Conversion Service
(Option to prevent modification of DE 22)—Financial Transaction Requests, Reversals and Advices
Case DE DE DE 61
ICC PURCHASE ONLINE
0200 335020600001 1 N/A PIN 00 05 0 V 101-105 00
0420 1 N/A DE 39 = 00 00
1
Full reversal.
ICC PURCHASE
SIGNATURE OR NO
0200 335020600002 1 N/A CVM 00 05 0 101-105 00
2

ICC CONTACTLESS
PURCHASE SIGNATURE
0200 335020600003 1 N/A OR NO CVM 00 07 0 401-405 00
3
DE 22, SF 1 = 07 (PAN auto-entry via contactless M/Chip)
4-139
4-140

Case DE DE DE 61
ICC FALLBACK TO
MANUAL ENTRY
PURCHASE SIGNATURE
4 0200 335020600004 1 N/A OR NO CVM 00 79 0 101-105 00
ICC FALLBACK TO
MAGNETIC STRIPE
PURCHASE SIGNATURE
5 0200 335020600005 1 N/A OR NO CVM 00 80 0 101-105 00
DE 48, SE 71 = 01Mb indicates successful completion of Chip to Magnetic Stripe Conversion Service.
ICC PURCHASE
SIGNATURE OR NO
0220 335020600006 1 N/A CVM 00 05 0 101-105 00
6 DE 22, SF 1 = 05 (PAN auto-entry via chip)

DE 60 = 101 (IPS signed out)
ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335020600007 1 N/A OR NO CVM 00 07 0 401-405 00
7 DE 22, SF 1 = 07 (PAN auto-entry via contactless M/Chip)

Service (CVC 1 Key/Decision Matrix Only)—Financial Transaction Requests
Financial Transaction Requests that underwent the MasterCard Chip CVC to CVC 1 Conversion Service (CVC
1 Key/Decision Matrix Only).

NOTE
Key/Decision Matrix Only)—Financial Transaction Requests
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0200 335025100001 1 N/A CVM 00 05 0 101-105 00
1
ICC PURCHASE
SIGNATURE OR NO

0200 335025100002 1 N/A CVM 00 05 0 101-105 V
2
ICC PURCHASE
SIGNATURE OR NO
0200 335025100003 1 N/A CVM 00 05 0 101-105 V
3
4-141
4-142

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0200 335025100004 1 N/A CVM 00 05 0 101-105 V
4
performed)
ICC PURCHASE
SIGNATURE OR NO
0200 335025100005 1 N/A CVM 00 05 0 101-105 V
5
ICC CONTACTLESS
PURCHASE SIGNATURE
0200 335025100006 1 N/A OR NO CVM 00 07 0 401-405 00

6


Service (CVC 1 Key/Decision Matrix Only)—Authorization Advices (System-generated)
Stand-In Financial Transaction Advices that underwent the MasterCard Chip CVC to CVC 1 Conversion
Service (CVC 1 Key/Decision Matrix Only).

NOTE
Key/Decision Matrix Only)—Authorization Advices (System-generated)
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0220 335025200001 1 N/A CVM 00 05 0 101-105 00

ICC PURCHASE
SIGNATURE OR NO
0220 335025200002 1 N/A CVM 00 05 0 101-105 00
4-143
4-144

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0220 335025200003 1 N/A CVM 00 05 0 101-105 00
ICC PURCHASE
SIGNATURE OR NO
0220 335025200004 1 N/A CVM 00 05 0 101-105 00


ICC PURCHASE
SIGNATURE OR NO
0220 335025200005 1 N/A CVM 00 05 0 101-105 00

ICC PURCHASE
SIGNATURE OR NO
0220 335025200006 1 N/A CVM 00 05 0 101-105 00
6
performed)
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0220 335025200007 1 N/A CVM 00 05 0 101-105 00


ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335025200008 1 N/A OR NO CVM 00 07 0 101-105 00

4-145
4-146

Service (Separate Keys/Decision Matrices)—Financial Transaction Requests
Financial Transaction Requests that underwent the MasterCard Chip CVC to CVC 1 Conversion Service
(Separate Keys/Decision Matrices).
NOTE
Keys/Decision Matrices)—Financial Transaction Requests
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0200 335026100001 1 N/A CVM 00 05 0 101-105 00
1
ICC PURCHASE
SIGNATURE OR NO
0200 335026100002 1 N/A CVM 00 05 0 101-105 00
2
ICC PURCHASE
SIGNATURE OR NO
0200 335026100003 1 N/A CVM 00 05 0 101-105 00
3
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0200 335026100004 1 N/A CVM 00 05 0 101-105 00
4
DE 48, SE 71 = 32Kb (Neither the Issuer Chip CVC Key Record nor the Issuer CVC 1 Key Record found for Account
Range / Expiry Date combination; Service not performed)

ICC PURCHASE
SIGNATURE OR NO
0200 335026100005 1 N/A CVM 00 05 0 101-105 00
5
ICC PURCHASE
SIGNATURE OR NO
0200 335026100006 1 N/A CVM 00 05 0 101-105 00
6
performed)
ICC PURCHASE
SIGNATURE OR NO
0200 335026100007 1 N/A CVM 00 05 0 101-105 00
7

performed)
ICC CONTACTLESS
PURCHASE SIGNATURE
0200 335026100011 1 N/A OR NO CVM 00 07 0 401-405 00
8
4-147
4-148

Service (Separate Keys/Decision Matrices)—Financial Transaction Advices (System-generated)
Stand-In Financial Transaction Advices that underwent the MasterCard Chip CVC to CVC 1 Conversion
Service (Separate Keys/Decision Matrices).
NOTE
Keys/Decision Matrices)—Financial Transaction Advices (System-generated)
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0220 335026200001 1 N/A CVM 00 05 0 101-105 00
ICC PURCHASE
SIGNATURE OR NO
0220 335026200002 1 N/A CVM 00 05 0 101-105 00
Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0220 335026200003 1 N/A CVM 00 05 0 101-105 00

ICC PURCHASE
SIGNATURE OR NO
0220 335026200004 1 N/A CVM 00 05 0 101-105 00

ICC PURCHASE
SIGNATURE OR NO
0220 335026200005 1 N/A CVM 00 05 0 101-105 00


ICC PURCHASE
SIGNATURE OR NO
0220 335026200006 1 N/A CVM 00 05 0 101-105 00
6
performed)
4-149
4-150

Case DE DE DE 61
ICC PURCHASE
SIGNATURE OR NO
0220 335026200007 1 N/A CVM 00 05 0 101-105 00

ICC PURCHASE
SIGNATURE OR NO
0220 335026200008 1 N/A CVM 00 05 0 101-105 00
8
performed)
ICC PURCHASE
SIGNATURE OR NO
0220 335026200009 1 N/A CVM 00 05 0 101-105 00
9
performed)
ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335026200011 1 N/A OR NO CVM 00 07 0 401-405 00

Pre-validation Service—Financial Transaction Requests
Transaction Requests that have been processed by the MasterCard Chip to Magnetic Stripe Conversion Service.
Case DE DE DE 61

ICC PURCHASE
0200 335030100001 1 N/A SIGNATURE 00 05 0 101-105 00
ICC PURCHASE
0200 335030100002 1 N/A SIGNATURE 00 05 0 101-105 V
2 DE 48, SE 71 = 02Ub (Unable to process)
ICC PURCHASE
0200 335030100003 1 N/A SIGNATURE 00 05 0 101-105 V

3
DE 48, SE 79 contains CVR/TVR bits found to be in error
ICC PURCHASE
0200 335030100004 1 N/A SIGNATURE 00 05 0 101-105 V
4 DE 48, SE 71 = 02Ib (Invalid cryptogram)
4-151
4-152

Case DE DE DE 61
ICC PURCHASE
0200 335030100005 1 N/A SIGNATURE 00 05 0 101-105 V
5 DE 48, SE 71 = 02Gb (Valid non-ARQC cryptogram)
ICC FALLBACK TO
MAGNETIC STRIPE
Business transaction not eligible for service.
MSR PURCHASE
7 0200 335030100009 1 N/A SIGNATURE 00 90 0 101-105 00
Business transaction not eligible for service.
ICC CASH
DISBURSEMENT
0200 335030100011 1 N/A SIGNATURE 17 05 0 101-105 00
8
ICC CONTACTLESS
PayPass M/Chip issuers only - amount within Maestro PayPass transaction limit.
9
Response message meets the response PayPass M/Chip specific general acceptance criteria.
Case DE DE DE 61
ICC PURCHASE ONLINE
0200 335030100015 1 N/A PIN 00 05 0 V 101-105 00

4-153
4-154

Pre-validation Service—Financial Transaction Advices (System-generated)
Transaction Requests that have been processed by the MasterCard Chip Cryptogram Pre-validation Service.
Case DE DE DE 61
ICC PURCHASE
0220 335030200001 1 N/A OFFLINE PIN 00 05 0 101-105 00
1
DE 60 = 201 0000 (Network Stand-In: IPS signed out; Valid ARQC, valid TVR/CVR)
ICC PURCHASE
0220 335030200002 1 N/A OFFLINE PIN 00 05 0 101-105 00

DE 60 = 201 0039 (Network Stand-In: IPS signed out; Cryptogram not ARQC)
ICC PURCHASE
0220 335030200003 1 N/A OFFLINE PIN 00 05 0 101-105 00

DE 60 = 201 0032 (Network Stand-In: IPS signed out; Invalid input data to ESP/Result Code '50' from ESP or ESP
device timeout)
Case DE DE DE 61
ICC PURCHASE
0220 335030200004 1 N/A OFFLINE PIN 00 05 0 101-105 00
4

DE 60 = 201 0035 (Network Stand-In: IPS signed out; TVR/CVR validation failed)
ICC PURCHASE
0220 335030200005 1 N/A OFFLINE PIN 00 05 0 101-105 00
DE 60 = 201 0034 (Network Stand-In: IPS signed out; Chip validation failed)
ICC PURCHASE
0220 335030200006 1 N/A OFFLINE PIN 00 05 0 101-105 00
6 DE 39 = Decline response chosen by issuer - Issuer instructs MasterCard to decline valid non-ARQC cryptogram
DE 60 = 201 0039 (Network Stand-In: IPS signed out; Cryptogram not ARQC)
ICC PURCHASE
0220 335030200007 1 N/A OFFLINE PIN 00 92 0 101-105 00
7 DE 39 = Decline response chosen by issuer - Issuer instructs MasterCard to decline on unable to process

DE 60 = 201 0032 (Network Stand-In: IPS signed out; Invalid input data to ESP/Result Code '50' from ESP or ESP
device timeout)
ICC PURCHASE
0220 335030200008 1 N/A OFFLINE PIN 00 05 0 101-105 00
DE 39 = Decline response chosen by issuer - Issuer instructs MasterCard to decline on bad TVR/CVR
8
4-155
DE 60 = 201 0035 (Network Stand-In: IPS signed out; TVR/CVR validation failed)
4-156

Case DE DE DE 61
ICC PURCHASE
0220 335030200009 1 N/A OFFLINE PIN 00 05 0 101-105 00
9 DE 39 = Decline response chosen by issuer - Issuer instructs MasterCard to decline on invalid cryptogram
DE 60 = 201 0034 (Network Stand-In: IPS signed out; Chip validation failed)
ICC CONTACTLESS
0220 335030200011 1 N/A PURCHASE ONLINE PIN 00 07 0 401-405 00
DE 60 = 201 0000 (Network Stand-In: IPS signed out; Valid ARQC, valid TVR/CVR)

Pre-validation Service—Financial Transaction Requests and Reversals
formatted Financial Transaction Requests and Reversal Advices processed by the Mastercard® M/Chip™
Cryptogram Pre-validation Service.

Case DE DE DE 61
ICC PURCHASE ONLINE
0200 335030400001 1 N/A PIN 00 05 0 V 101-105 00
0420 1 N/A DE 39 = 00 00
Full reversal after time out - DE 60 = 455 0090 (APS timeout: card returned).
ICC CAT LEVEL 1
ATM WITHDRAWAL
0200 335030400002 1 N/A ONLINE PIN 01 05 1 V 101-105 00
0420 1 N/A DE 39 = 00 00
2

Full reversal after time out - DE 60 = 455 0090 (APS timeout: card returned).
4-157
4-158

3350501—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip
(All Business Transactions)—Financial Transaction Requests and Reversals
Transaction Requests and Reversals for various business transactions, process them, and return correctly
with all PayPass M/Chip Financial Transaction Response/0210 Messages:

• DE 55 (ICC System Related Data) must not be present.
Table 4.68—Table 3350501—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip (All Business
Transactions)—Financial Transaction Requests and Reversals
Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0200 335050100001 1 N/A OR NO CVM 00 07 0 401-405 00
1 0420 1 N/A DE 39 = 00 00
Request from full grade PayPass M/Chip acquirer
Response message meets the financial transaction request response PayPass M/Chip- specific general acceptance criteria
ICC CONTACTLESS CAT
LEVEL 1 PURCHASE
0200 335050100002 1 N/A ONLINE PIN 00 07 0 V 401-405 00
2
Response message meets the financial transaction request response PayPass M/Chip- specific general acceptance criteria.
Case DE DE DE 61
ICC CONTACTLESS CAT
LEVEL 2 PURCHASE
0200 335050100003 1 N/A NO CVM 00 07 0 401-405 00
3

ICC CONTACTLESS
CASH DISBURSEMENT
SIGNATURE OR NO
4 0200 335050100004 1 N/A CVM 17 07 0 401-405 00
ICC CONTACTLESS
CASH DISBURSEMENT
0200 335050100005 1 N/A ONLINE PIN 17 07 0 V 401-405 00
5
ICC CONTACTLESS CAT
LEVEL 4 PURCHASE
0200 335050100008 1 N/A NO CVM 00 07 0 401-405 00
6

ICC CONTACTLESS
7 This case will test whether an issuer Single Message online application is able to receive DE 4 (Amount, Transaction) that
is a different value than DE 55, tag 9F02 (Amount Authorized) of Financial Transaction Request, process the message, and
return correctly formatted Financial Transaction Response.
4-159
4-160

Case DE DE DE 61
ICC CONTACTLESS
8 This case will test whether an issuer Single Message online application is able to receive DE 13 (Date, Local Transaction)
that is a different value than DE 55, tag 9A (Transaction Date) of Financial Transaction Request, process the message, and
return correctly formatted Financial Transaction Response.
3350503—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip

(Technical Conditions)—Financial Transaction Requests
Transaction Requests for various technical conditions, process them, and return correctly formatted Financial

with all chip Financial Transaction Request Response/0210 messages:
• When present in an Financial Transaction Request message, DE 52 (PIN Data) must be validated
successfully by the issuer.
• DE 55 (ICC System Related Data) must not be present.
Table 4.69—Table 3350503—Issuer Debit MasterCard—ICC Product and Services—MasterCard PayPass M/Chip (Technical
Conditions)—Financial Transaction Requests
Case DE DE DE 61
ICC CONTACTLESS
1 Response message meets the financial transaction request response PayPass M/Chip- specific general acceptance criteria

This case will test whether an issuer Single Message online application is able to receive an application transaction
counter (ATC) update indicator (value 6) in DE 61, subfield 7 (POS Transaction Status) of Financial Transaction Request
and process the resulting Financial Transaction Response that contain DE 39 = 85 or 00 for approval or 05 for decline.
4-161
4-162

Case DE DE DE 61
ICC CONTACTLESS
Second 0200 on same card: DE 55, tag 9F36 set to '2E'.
NOTE
ICC CONTACTLESS
Second 0200 on same card: DE 55, tag 9F36 set to '1B'.
NOTE
ICC CONTACTLESS
Duplicate ATCs (Reply and same application cryptogram) test scenario
Third 0200 on same card: DE 55, tag 9F36 set to '30' and same application cryptogram as first 0200.
NOTE
Case DE DE DE 61
ICC CONTACTLESS
Duplicate ATCs (Reply and different application cryptogram) test scenario

Third 0200 on same card: DE 55, tag 9F36 set to '30' and different application cryptogram as first 0200.
NOTE
been compromised.
ICC CONTACTLESS ATM
ICC CONTACTLESS
ATM WITHDRAWAL
0200 335050300026 1 N/A ONLINE PIN 01 07 1 V 401-405 V
Second 0200 on same card as preceding 0200: DE 55, tag 9F36 set to '40' and same application cryptogram.

NOTE
4-163
4-164

Enablement Service—Financial Transaction Requests and Advices
The following test cases will test whether an issuer's Singe Message application can receive contactless M/Chip
Financial Transaction Requests or Advices for transactions when the MasterCard Digital Enablement Service
was performed, process them, and send correctly formatted Financial Transaction Responses.
Table 4.70—Table 3350541—Issuer Debit MasterCard—ICC Product and Services—MasterCard Digital Enablement Service—Financial
Transaction Requests and Advices
Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0200 335054100001 1 N/A OR NO CVM 00 07 0 412 00
MasterCard Digital Enablement Service successfully performed PAN mapping and M/Chip cryptogram validation.
1
DE 22, SF 1 = 82 (PAN Auto Entry via Server) after conversion from 07 (PAN auto-entry via contactless M/Chip).
DE 23, DE 35 and DE 55 were removed.

ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100002 1 N/A OR NO CVM 00 82 0 412 00
MasterCard Digital Enablement Service successfully performed PAN mapping and M/Chip cryptogram validation; and then
2
Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100003 1 N/A OR NO CVM 00 07 0 415 00

ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100004 1 N/A OR NO CVM 00 07 0 413 00

ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100005 1 N/A OR NO CVM 00 07 0 413 00
5
DE 48, SE 71 = 50Cb51Fb for the on-behalf service results.

DE 60 = 1410033 (MasterCard Digital Enablement Service; Reject: Incorrect chip data).
4-165
4-166

Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100006 1 N/A OR NO CVM 00 07 0 416 00
6
DE 48, SE 71 = 50Cb51Gb for the on-behalf service results.
DE 60 = 1410039 (MasterCard Digital Enablement Service; Reject: Cryptogram not ARQC).
ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100007 1 N/A OR NO CVM 00 07 0 414 00
7

DE 60 = 1410034 (MasterCard Digital Enablement Service; Reject: Chip validation failed).
ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100008 1 N/A OR NO CVM 00 07 0 417 00
8
DE 48, SE 71 = 50Cb51Tb for the on-behalf service results.
DE 60 = 1410035 (MasterCard Digital Enablement Service; Reject: TVR/CVR validation failed).
Case DE DE DE 61
ICC CONTACTLESS
PURCHASE SIGNATURE
0220 335054100009 1 N/A OR NO CVM 00 07 0 413 00
MasterCard Digital Enablement Service successfully performed PAN mapping but unable to perform M/Chip cryptogram
9 validation.

DE 60 = 1410032 (MasterCard Digital Enablement Service; Reject: Chip technical failure).

4-167
4-168

The following test cases will test whether an issuer's Single Message application is able to receive and process
Financial Transaction Requests containing DE 48, subelement 64 (Transit Program) with applicable values
in subfield 1 (Transit Transaction Type Indicator) and subfield 2 (Transportation Mode Indicator); and send
Table 4.71—Table 3350551—Issuer Debit MasterCard—ICC Product and Services—Transit Program Transactions—Financial
Case DE DE DE 61
ICC CONTACTLESS CAT
LEVEL 2 PURCHASE
0200 335055100001 1 N/A NO CVM 00 07 2 401-405 00
1
Financial request meets the PayPass M/Chip-specific general acceptance criteria.
ICC CONTACTLESS CAT
LEVEL 2 PURCHASE
0200 335055100002 1 N/A NO CVM 00 07 2 401-405 00
2
Case DE DE DE 61
ICC CONTACTLESS

information.
ICC CAT LEVEL 2
4 Financial request meets the chip-specific general acceptance criteria.
ICC CAT LEVEL 2
5 Financial request meets the chip-specific general acceptance criteria.

ICC CONTACTLESS CAT
LEVEL 2 PURCHASE
0200 335055100006 1 N/A NO CVM 00 07 2 401-405 00
6 Debt recovery transit transaction type indicator for cardholder debt recovery via contactless M/Chip with applicable
transportation mode indicator
information.
4-169
4-170

Case DE DE DE 61
ICC CONTACTLESS
0200: DE 55, tag 9F26 contains Authorization Request Cryptogram (ARQC) per Card Verification Results (byte 3 in
tag 9F10) and Cryptogram Information Data (tag 9F27).
information.

Indicator—Financial Transaction Requests
Transaction Requests containing the optional device type indicator in DE 48, SE 23, SF 1 and send correctly
Table 4.72—Table 3354001—Issuer Debit MasterCard—ICC Product and Services—Device Type Indicator—Financial Transaction
Requests

Case DE DE DE 61
ICC CONTACTLESS
DE 48, SE 23, SF 1 = 00 (Card)

ICC CONTACTLESS

4-171

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Issuer Debit MasterCard

©2002–2013 MasterCard. Proprietary. All rights reserved.

XX4f 16 August 2013 • Issuer Debit MasterCard—Test Cases

Description of Change Where to Look

0900004. 0900004—Issuer Debit MasterCard—MSR Base—Technical

©2002–2013 MasterCard. Proprietary. All rights reserved.

0950401. 0950401—Issuer Debit MasterCard—ICC Product and Services—M/Chip

3300004. 3300041—Issuer Debit MasterCard—MSR Base—Dynamic Currency

3300341. Table 3300341—Issuer Debit MasterCard—MSR Product and

3300401. 3300401—Issuer Debit MasterCard—MSR Product and Services—Cross

©2002–2013 MasterCard. Proprietary. All rights reserved.

3301106. 3301106—Issuer Debit MasterCard—MSR Product and Services—MasterCard

3301401. 3301401—Issuer Debit MasterCard—MSR Base—MasterCard MoneySend

3301402. 3301402—Issuer Debit MasterCard—MSR Product and Services—MasterCard

3301601. 3301601—Issuer Debit MasterCard—MSR Product and Services—MasterCard

3301604. 3301604—Issuer Debit MasterCard—MSR Product and Services—MasterCard

3301605. 3301605—Issuer Debit MasterCard—MSR Product and Services—MasterCard

©2002–2013 MasterCard. Proprietary. All rights reserved.

3350304. 3350304—Issuer Debit MasterCard—ICC Product and Services—M/Chip

©2002–2013 MasterCard. Proprietary. All rights reserved.

Chapter 1 Dual Message Authorization—Issuer Debit

Chapter 2 Dual Message Clearing—Issuer Debit MasterCard ........... 2-i

Chapter 3 Dual Message Integrated Authorization and

©2002–2013 MasterCard. Proprietary. All rights reserved.

Chapter 4 Single Message Financial, Exception, and

©2002–2013 MasterCard. Proprietary. All rights reserved.

Introduction ................................................................................................................................... 1-1

©2002–2013 MasterCard. Proprietary. All rights reserved.

0900401—Issuer Debit MasterCard—MSR Product and Services—AVS with

©2002–2013 MasterCard. Proprietary. All rights reserved.

0901002—Issuer Debit MasterCard—MSR Product and Services—MasterCard

©2002–2013 MasterCard. Proprietary. All rights reserved.

0902211—Issuer Debit MasterCard—MSR Product and Services—MasterCard inControl

©2002–2013 MasterCard. Proprietary. All rights reserved.

0950003—Issuer Debit MasterCard—ICC Base—Acquirer-generated—Authorization

©2002–2013 MasterCard. Proprietary. All rights reserved.

0951001—Issuer Debit MasterCard—ICC Product and Services—MasterCard

©2002–2013 MasterCard. Proprietary. All rights reserved.

• For customers undergoing testing and validation for magnetic stripe-based

Within the Test Cases—Magnetic Stripe-based operations and the Test

©2002–2013 MasterCard. Proprietary. All rights reserved.

The following manuals in the Customer Interface Testing Reference document

CITR Table Notations

b Indicates a blank space when used in DE 48, subelement 71 fourth position.

Test Cases—Magnetic Stripe-based Operations

©2002–2013 MasterCard. Proprietary. All rights reserved.

©2002–2013 MasterCard. Proprietary. All rights reserved.

Test Cases—Magnetic Stripe-based Operations

Magnetic stripe purchase transaction - DE 3, SF 2 = 00 (No account specified [NAS]/Default account)

MSR CAT LEVEL 4

Dual Message Authorization—Issuer Debit MasterCard

Test Cases—Magnetic Stripe-based Operations

Test Cases—Magnetic Stripe-based Operations

Magnetic stripe payment transaction; DE 48, SE 77 = C01 (Person-to-Person)

DE 3, SF 2 = 00 (No account specified [NAS]/Default account) and SF 3 = 10 (Savings Account)

Dual Message Authorization—Issuer Debit MasterCard

Test Cases—Magnetic Stripe-based Operations

Test Cases—Magnetic Stripe-based Operations

Incremental authorization request indicated by presence of DE 48, SE 63.

Dual Message Authorization—Issuer Debit MasterCard

Test Cases—Magnetic Stripe-based Operations

Test Cases—Magnetic Stripe-based Operations

0110: DE 39 = 04 (Capture card)

0110: DE 39 = 14 (Invalid card number)