Validate Card Visa

Personalization Validation Report
UL EMV PVT 5.6.0.20210330
Test name Visa Global

Tested by Igor
Test executed 2021-05-21 13:52:34
Type of test Validation
Type of report Full
Verdict failed
PAN 4889 6200 1409 7920

Priority indicator 01
Cardholder name ARTUR/GHAZARYAN
UL EMV PVT 5.6.0.20210330
UL
E-mail: imsecurity@ul.com
Website: ims.ul.com
© UL All rights reserved. May not be copied or distributed without permission. UL and the UL logo are trademarks of
UL LLC.
Customers of UL or one of its licensed resellers that purchased an official license of the UL EMV Personalization
Validation Tool may multiply, electronically save or publish (parts of) this document.
DISCLAIMER
This report has been generated automatically with the UL EMV Personalization Validation Tool. It is a high-quality
tool for analyzing and testing of EMV cards. UL makes no representation or warranty with respect to the content of
this document. Usage of this document and any consequence that may follow will be the sole responsibility of the
user of the tool and/or document. UL is not liable for any damage that may occur by using the UL EMV
Personalization Validation Tool and this report.
PAN: 4889 6200 1409 7920

Name: ARTUR/GHAZARYAN 2/458 Test executed: 2021-05-21 13:52:34
UL EMV PVT 5.6.0.20210330
1. Introduction
This report presents data and corresponding interpretation test results from the following application on the
following card:
PAN 4889 6200 1409 7920

Cardholder name ARTUR/GHAZARYAN
Expiry date 05/25
Type of test Validation
The report has been generated with the UL EMV Personalization Validation Tool (Validation) by Igor on 2021-05-21 13:
52:34.
The format in which data is presented is hexadecimal, unless otherwise stated.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
2. Summary
This chapter gives an overview of the scripts that were run and the corresponding test results.
Failures need to be solved before issuing the card. Observations are those issues that need attention or further
investigation (which does not necessarily mean that these require changes).
Number of tests performed 721

Passed tests 348
Inconclusive tests 13
Failed tests 4
Warnings 4
Observations 2
Not applicable tests 350
Verdict failed
2.1 ICS Settings
2.1.1 Card level ICS

• Magnetic stripe data is present
• PIN Verification data is present
• PSE is not present
• PPSE is present
• Contact interface is present
• Contactless interface is present
• Specification VIS 1.6.x is supported
• Specification VCPS 2.2.x is supported
• Product Form Factor is Card
2.1.2 Application: Visa, 'A0 00 00 00 03 10 10'

• Dual interface application
• Transaction Path: qVSDC Offline supported: No

• Transaction Path: qVSDC Online supported: Yes
• Transaction Path: qVSDC Online with ODA supported: Yes
• Transaction Path: MSD CVN 17 supported: No
• Transaction Path: MSD Legacy supported: No
• SDA supported: No
• DDA supported: Yes
• CDA supported: No
• fDDA supported: Yes
• Contactless SDA supported: No
• CVM amount check supported: No

• Cardholder Verification Method: No CVM supported: Yes
• Cardholder Verification Method: Online PIN supported: Yes
• Cardholder Verification Method: Offline PIN supported: Yes
• Cardholder Verification Method: Signature supported: Yes
• Cardholder Verification Method: Offline Enciphered PIN with ICC Public Key
supported: Yes
• Cardholder Verification Method: Offline Enciphered PIN with Dedicated ICC PIN
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
• Cardholder Verification Method: Offline Enciphered PIN with Dedicated ICC PIN
Encipherment Key supported: No
• Transaction Logging is supported on the contact interface: No

• Contact application Online Only: No
• Application supports Issuer Scripting: Yes
• qVSDC International Transactions supported: Yes
• qVSDC International Offline Transactions supported: Yes
• qVSDC uses Country Code to Determine Domestic/International Transactions
supported: No
• Low Value Check supported: No
• Low Value and CTTA Check supported: Yes
• Transaction Logging is supported on the contactless interface: No
• Valid for Contactless domestic (manual) cash transactions: Yes
• Valid for Contactless international (manual) cash transactions: Yes
• Contactless Domestic cashback allowed: Yes
• Lower Consecutive Offline Limit Check supported: No

• Upper Consecutive Offline Limit Check supported: No
• Consecutive Transaction Lower Limit Check supported: Yes
• Consecutive Transaction Upper Limit Check supported: Yes
• Consecutive International Transaction Lower Limit Check supported: Yes
• Consecutive International Transaction Upper Limit Check supported: Yes
• Consecutive International Transaction Lower Limit Check with Currency Conversion
supported: No
• Consecutive International Transaction Upper Limit Check with Currency Conversion
supported: No
• Consecutive International Transaction Lower Limit Check with International Country
option supported: No
• Consecutive International Transaction Upper Limit Check with International Country
option supported: No
• Consecutive International Transaction Country Lower Limit Check supported: No
• Cumulative Total Transaction Amount Lower Limit Check supported: Yes
• Cumulative Total Transaction Amount Upper Limit Check supported: Yes
• Cumulative Total Transaction Amount Limit (Dual Currency) Check supported: No
• Contactless Offline Transaction Lower Limit Check supported: Yes
• Contactless Offline Transaction Upper Limit Check supported: Yes
• Contactless Consecutive Transaction Counter - No CVM Check supported: No
• Contactless Cumulative Total Transaction Amount - No CVM Check supported: No
2.2 Failures
2.2.1 Template Check

No failures found during the test execution.
2.2.2 Issuer Keys Validation

2.2.3 AID: 'A0 00 00 00 03 10 10' Tests on EMV transaction 1st GAC ARQC
Test Description of failure Paragraph
MS.1.001.00 MS.1.001.00.135 Failure: Track 1 shall be present on the Magnetic 4.3.183
Stripe.
Stripe.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
2.2.4 AID: 'A0 00 00 00 03 10 10' Tests on Contactless transaction with Select

Application and Get Data commands
Test Description of failure Paragraph
Stripe.
Stripe.
2.2.5 AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction with ODA
2.2.6 AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction

2.3 Warnings

No warnings were generated during the test execution.

Test Description of warning Paragraph
DE.35.002.02 DE.35.002.02.77 Warning: Data elements recommended for inclusion 4.3.104
in the signature are not present CDOL1 ('8C') DE.35.002.02.77
Warning: Data elements recommended for inclusion in the signature
are not present CDOL2 ('8D')
VC.2.003.00 VC.2.003.00.175 Warning: The value of CTCL should be between 3 4.3.312
and 10.
VC.4.003.00 VC.4.003.00.184 Warning: CTCUL (Tag '9F59' or 'DF31' in 'BF56') 4.3.320
should be between 5 and 12.

Test Description of warning Paragraph
QN.10.003.04 QN.10.003.04.198 Warning: It is recommended that for contactless 4.5.54
transactions no static data be signed. The fourth byte of each of the
AFL (tag '94') group of four bytes should be set to 00b.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

2.4 Observations

No observations were generated during the test execution.

Test Description of observation Paragraph
SE.6.003.01 SE.6.003.01.800 Observation: Since there is only a single application 4.3.222
on the card, the Application Priority Indicator is not required to be
personalized.

Test Description of observation Paragraph
SE.6.003.01 SE.6.003.01.800 Observation: Since there is only a single application 4.4.68
on the card, the Application Priority Indicator is not required to be
personalized.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
3. Overview
This chapter gives an overview of all test results, by showing for each test the verdict and a reference to a paragraph
that contains more details.
Three reporting options exist:
Full: details of all tests are presented in the report.
Standard: only details of tests with a result 'Failed' or 'Passed with observation' are presented in the report.
Brief: no tests details are presented.
This report has the following format: Full
Template Check
Test Verdict Paragraph

Template Test Not Applicable 4.1.1
Issuer Keys Validation

Check AC Key Not Applicable 4.2.1
Check MAC Key Not Applicable 4.2.2
Check ENC Key Not Applicable 4.2.3
AID: 'A0 00 00 00 03 10 10' Tests on EMV transaction 1st GAC ARQC

CV.2.001.00 Passed 4.3.1
CV.2.002.00 Passed 4.3.2
CV.2.003.00 Passed 4.3.3
CV.2.004.00 Passed 4.3.4
CV.3.001.00 Passed 4.3.5
CV.4.001.00 Not Applicable 4.3.6
DA.1.001.00 Passed 4.3.13
DA.2.001.00 Passed 4.3.14
DA.3.001.00 Passed 4.3.15
DA.4.001.00 Not Applicable 4.3.16
DA.5.001.00 Passed 4.3.17
DA.6.001.00 Passed 4.3.18
DE.1.001.00 Passed 4.3.23
DE.2.001.00 Not Applicable 4.3.24
DE.2.003.00 Passed 4.3.25
DE.3.001.00 Passed 4.3.28
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

DE.4.002.00 Passed 4.3.31
DE.5.001.00 Passed 4.3.32
DE.5.002.00 Passed 4.3.33
DE.6.001.00 Passed 4.3.34
DE.6.002.00 Passed 4.3.35
DE.6.002.03 Passed 4.3.38
DE.6.003.00 Passed 4.3.39
DE.7.002.01 Passed 4.3.42
DE.8.002.01 Passed 4.3.44
DE.9.001.00 Passed 4.3.45
DE.9.002.01 Passed 4.3.47
DE.10.002.00 Passed 4.3.48
DE.11.002.00 Passed 4.3.49
DE.12.001.00 Passed 4.3.53
DE.13.001.00 Passed 4.3.54
DE.14.001.00 Passed 4.3.58
DE.14.002.00 Passed 4.3.59
DE.17.001.00 Passed 4.3.60
DE.17.002.00 Passed 4.3.61
DE.17.004.00 Passed 4.3.63
DE.20.002.00 Passed 4.3.65
DE.21.002.00 Passed 4.3.72
DE.22.001.00 Passed 4.3.74
DE.22.002.00 Passed 4.3.75
DE.23.001.00 Passed 4.3.76
DE.24.001.00 Passed 4.3.77
DE.24.002.00 Passed 4.3.78
DE.25.001.00 Passed 4.3.79
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

DE.25.002.00 Passed 4.3.80
DE.25.003.00 Passed 4.3.81
DE.26.002.00 Passed 4.3.82
DE.26.003.00 Passed 4.3.83
DE.30.003.00 Passed 4.3.89
DE.30.004.02 Passed 4.3.91
DE.31.001.00 Passed 4.3.94
DE.33.001.00 Passed 4.3.95
DE.33.002.00 Passed 4.3.96
DE.34.001.00 Passed 4.3.97
DE.34.002.00 Passed 4.3.99
DE.34.003.00 Passed 4.3.100
DE.35.002.01 Passed 4.3.103
DE.35.002.02 Warning 4.3.104
DE.35.002.03 Passed 4.3.105
DE.37.001.00 Passed 4.3.107
DE.38.004.02 Passed 4.3.111
DE.38.005.01 Passed 4.3.113
DE.42.001.00 Passed 4.3.118
DE.43.001.00 Passed 4.3.119
DP.1.001.00 Not Applicable 4.3.122
DS.1.001.00 Passed 4.3.128
DS.2.001.00 Passed 4.3.129
DS.3.001.00 Passed 4.3.130
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

DS.4.001.00 Passed 4.3.131
DS.5.001.00 Not Applicable 4.3.132
DS.5.002.00 Passed 4.3.133
DS.6.001.00 Not Applicable 4.3.134
DS.6.001.01 Passed 4.3.135
ES.1.001.00 Passed 4.3.136
ES.1.002.00 Not Applicable 4.3.137
ES.2.001.00 Passed 4.3.138
ES.2.001.01 Passed 4.3.139
ES.3.001.00 Passed 4.3.140
ES.4.001.00 Passed 4.3.141
ES.5.001.00 Passed 4.3.142
FL.1.001.00 Not Applicable 4.3.143
GE.1.002.00 Passed 4.3.162
GE.3.001.00 Passed 4.3.163
GE.3.002.00 Passed 4.3.164
GE.3.003.00 Passed 4.3.165
GE.4.001.00 Passed 4.3.166
IA.1.001.00 Passed 4.3.167
ID.1.001.00 Not Applicable 4.3.168
ID.1.002.00 Passed 4.3.169
ID.1.004.02 Passed 4.3.172
ID.1.004.03 Passed 4.3.173
MP.3.001.00 Not Applicable 4.3.177
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

MS.1.001.00 Failed 4.3.183
MS.1.002.00 Inconclusive 4.3.184
MS.2.001.00 Failed 4.3.187
PR.1.001.00 Not Applicable 4.3.191
PS.1.001.00 Not Applicable 4.3.192
QN.20.002.00 Not Applicable 4.3.205
SE.1.001.00 Passed 4.3.206
SE.1.002.00 Passed 4.3.207
SE.2.001.00 Passed 4.3.208
SE.2.002.00 Passed 4.3.209
SE.3.002.00 Passed 4.3.210
SE.3.003.00 Not Applicable 4.3.211
SE.4.001.00 Passed 4.3.214
SE.4.002.00 Passed 4.3.215
SE.4.003.00 Passed 4.3.216
SE.5.001.00 Passed 4.3.217
SE.5.002.00 Passed 4.3.218
SE.6.001.00 Passed 4.3.219
SE.6.002.00 Passed 4.3.220
SE.6.003.01 Observation 4.3.222
SE.7.001.00 Passed 4.3.223
SE.7.002.00 Passed 4.3.224
SE.7.003.00 Passed 4.3.225
SE.7.005.00 Passed 4.3.227
SE.7.006.00 Passed 4.3.228
SE.8.001.00 Passed 4.3.231
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

SE.9.001.00 Passed 4.3.233
SE.10.001.02 Passed 4.3.235
SE.11.001.00 Passed 4.3.239
SE.12.001.00 Passed 4.3.240
SE.12.002.00 Passed 4.3.241
SE.12.003.00 Passed 4.3.242
SE.14.001.00 Passed 4.3.243
SE.14.002.00 Passed 4.3.244
SE.14.004.00 Passed 4.3.246
SE.15.001.00 Passed 4.3.247
SE.15.002.00 Passed 4.3.248
SE.15.003.00 Passed 4.3.249
SE.16.003.00 Passed 4.3.252
SE.16.004.00 Passed 4.3.253
SE.16.005.00 Passed 4.3.254
SE.16.007.00 Passed 4.3.256
SE.16.008.00 Passed 4.3.257
SE.16.009.00 Passed 4.3.258
SE.16.010.01 Passed 4.3.259
SE.17.001.00 Passed 4.3.260
SE.17.002.00 Passed 4.3.261
SE.17.003.00 Passed 4.3.262
SE.19.001.00 Passed 4.3.265
SE.20.001.00 Passed 4.3.266
SE.21.001.00 Passed 4.3.267
SE.21.002.01 Passed 4.3.269
SE.40.001.03 Passed 4.3.270
SH.2.001.00 Passed 4.3.271
SH.2.002.00 Passed 4.3.272
SH.2.004.00 Passed 4.3.273
SH.3.002.00 Passed 4.3.274
SH.3.003.00 Passed 4.3.275
SH.3.006.00 Passed 4.3.276
SH.3.007.00 Not Applicable 4.3.277
SH.4.001.01 Passed 4.3.278
SH.4.002.00 Passed 4.3.279
SH.6.002.00 Passed 4.3.282
SH.6.002.01 Passed 4.3.283
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

SH.14.002.00 Passed 4.3.284
SH.18.001.00 Passed 4.3.285
SH.23.003.00 Passed 4.3.291
SH.26.001.00 Passed 4.3.295
SH.26.002.00 Passed 4.3.297
SH.31.001.00 Passed 4.3.302
SH.31.002.00 Passed 4.3.303
SH.40.001.01 Passed 4.3.305
VC.1.001.00 Not Applicable 4.3.306
VC.2.001.00 Passed 4.3.310
VC.2.003.00 Warning 4.3.312
VC.4.001.00 Passed 4.3.318
VC.4.003.00 Warning 4.3.320
VC.4.004.00 Passed 4.3.321
VC.4.005.00 Passed 4.3.322
VC.5.003.00 Passed 4.3.325
VC.6.003.00 Passed 4.3.329
VC.6.006.00 Passed 4.3.332
VC.6.008.00 Passed 4.3.334
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

VC.6.009.00 Passed 4.3.335
VC.7.004.00 Passed 4.3.339
VC.11.003.00 Passed 4.3.350
VC.12.003.00 Passed 4.3.354
VC.12.006.00 Passed 4.3.357
VC.12.008.00 Passed 4.3.359
VC.19.001.00 Passed 4.3.362
VC.20.001.00 Passed 4.3.363
AID: 'A0 00 00 00 03 10 10' Tests on Contactless transaction with Select Application and Get Data commands

AD.1.003.00 Passed 4.4.1
AD.1.003.01 Not Applicable 4.4.2
AD.1.003.02 Passed 4.4.3
AD.1.004.00 Passed 4.4.5
AD.1.005.00 Passed 4.4.6
ES.1.001.00 Passed 4.4.15
ES.2.001.00 Passed 4.4.16
ES.2.001.01 Passed 4.4.17
ES.3.001.00 Passed 4.4.18
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

ES.4.001.00 Passed 4.4.19
ES.5.001.00 Passed 4.4.20
GE.2.001.00 Passed 4.4.21
GE.3.001.00 Passed 4.4.22
GE.3.002.00 Passed 4.4.23
ID.1.002.00 Passed 4.4.25
ID.1.004.02 Passed 4.4.28
ID.4.002.00 Passed 4.4.31
ID.6.001.00 Passed 4.4.32
ID.9.001.00 Passed 4.4.36
MS.1.001.00 Failed 4.4.41
MS.2.001.00 Failed 4.4.43
PP.1.001.00 Passed 4.4.44
PP.1.002.00 Passed 4.4.45
PP.1.003.00 Passed 4.4.46
PP.1.003.01 Passed 4.4.47
PP.1.003.02 Passed 4.4.48
PP.1.003.03 Passed 4.4.49
PP.1.003.04 Not Applicable 4.4.50
PP.1.003.06 Passed 4.4.51
PP.1.003.07 Passed 4.4.52
PP.1.003.08 Passed 4.4.53
PP.1.003.09 Passed 4.4.54
PP.1.003.10 Passed 4.4.55
PP.1.003.11 Passed 4.4.56
PP.1.003.12 Not Applicable 4.4.57
PP.1.004.00 Passed 4.4.58
SE.2.001.00 Passed 4.4.59
SE.2.002.00 Passed 4.4.60
SE.3.002.00 Passed 4.4.61
SE.6.001.00 Passed 4.4.65
SE.6.002.00 Passed 4.4.66
SE.6.003.01 Observation 4.4.68
SE.8.001.00 Passed 4.4.69
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

SE.11.001.00 Passed 4.4.71
SE.12.001.00 Passed 4.4.72
SE.12.002.00 Passed 4.4.73
SE.12.003.00 Passed 4.4.74
SE.19.001.00 Passed 4.4.75
SE.20.001.00 Passed 4.4.76
SE.20.002.00 Passed 4.4.77
SH.1.001.00 Passed 4.4.78
SH.2.001.00 Passed 4.4.79
SH.2.002.00 Passed 4.4.80
SH.6.001.04 Passed 4.4.86
SH.6.001.05 Passed 4.4.87
SH.6.001.06 Passed 4.4.88
SH.6.002.00 Passed 4.4.89
SH.6.002.01 Passed 4.4.90
SH.6.012.00 Passed 4.4.95
SH.14.001.00 Passed 4.4.96
SH.14.002.00 Passed 4.4.97
SH.23.003.00 Passed 4.4.100
SH.26.001.00 Passed 4.4.102
SH.29.004.00 Passed 4.4.110
SH.33.001.00 Passed 4.4.115
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

VC.5.003.00 Passed 4.4.124
VC.6.003.00 Passed 4.4.128
VC.6.006.00 Passed 4.4.131
VC.6.008.00 Passed 4.4.133
VC.6.009.00 Passed 4.4.134
VC.9.001.00 Passed 4.4.135
VC.10.001.00 Passed 4.4.137
VC.10.003.00 Passed 4.4.139
VC.10.004.00 Passed 4.4.140
VC.11.003.00 Passed 4.4.143
VC.12.003.00 Passed 4.4.147
VC.12.006.00 Passed 4.4.150
VC.12.008.00 Passed 4.4.152
VC.14.001.00 Passed 4.4.153
VC.15.001.00 Passed 4.4.154
VC.17.001.00 Passed 4.4.156
VC.19.001.00 Passed 4.4.158
VC.20.001.00 Passed 4.4.159
AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction with ODA

DA.1.001.00 Passed 4.5.2
DA.1.001.01 Passed 4.5.3
DA.1.001.02 Passed 4.5.4
DA.2.001.00 Passed 4.5.5
DA.2.001.01 Passed 4.5.6
DA.2.001.02 Passed 4.5.7
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

DE.6.003.00 Passed 4.5.9
DE.26.002.00 Passed 4.5.11
DE.26.006.00 Passed 4.5.13
DE.60.001.01 Passed 4.5.14
DS.5.003.00 Passed 4.5.15
DS.5.004.00 Passed 4.5.16
DS.7.002.00 Passed 4.5.17
ES.2.001.01 Passed 4.5.18
GE.1.007.00 Passed 4.5.19
GE.2.002.00 Passed 4.5.20
GE.3.001.00 Passed 4.5.21
GE.3.002.00 Passed 4.5.22
GE.3.003.00 Passed 4.5.23
GE.4.001.00 Passed 4.5.24
GE.4.001.00.PVT Not Applicable 4.5.25
IP.1.001.00 Passed 4.5.27
IP.1.002.00 Passed 4.5.28
MD.3.001.00 Passed 4.5.29
MD.13.002.00 Not Applicable 4.5.30
MD.21.001.01 Passed 4.5.31
MD.22.001.00 Passed 4.5.32
MD.26.003.00 Passed 4.5.34
MD.31.001.00 Passed 4.5.37
MD.31.002.00 Passed 4.5.41
MS.1.006.00 Not Applicable 4.5.43
QF.2.002.00 Passed 4.5.48
QF.4.002.00 Passed 4.5.49
QF.4.004.00 Not Applicable 4.5.50
QN.10.001.02 Passed 4.5.52
QN.10.003.01 Passed 4.5.53
QN.10.003.04 Warning 4.5.54
QN.12.001.00 Passed 4.5.55
QN.13.001.00 Passed 4.5.56
QN.14.001.01 Passed 4.5.58
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

QN.15.001.00 Passed 4.5.60
QN.16.001.00 Passed 4.5.61
QN.17.001.00 Passed 4.5.62
QN.20.001.00 Passed 4.5.63
SE.1.001.00 Passed 4.5.64
SE.1.002.00 Passed 4.5.65
SE.4.001.00 Passed 4.5.66
SE.4.002.00 Passed 4.5.67
SE.4.003.00 Passed 4.5.68
SE.5.001.00 Passed 4.5.69
SE.5.002.00 Passed 4.5.70
SE.7.001.00 Passed 4.5.71
SE.7.002.00 Passed 4.5.72
SE.7.006.00 Passed 4.5.74
SE.7.007.03 Passed 4.5.77
SE.7.007.05 Passed 4.5.78
SE.10.003.00 Passed 4.5.82
SE.10.003.01 Passed 4.5.83
SE.14.001.00 Passed 4.5.85
SE.14.002.00 Passed 4.5.86
SE.14.004.00 Passed 4.5.88
SE.15.001.00 Passed 4.5.89
SE.15.002.00 Passed 4.5.90
SE.15.003.00 Passed 4.5.91
SE.16.003.00 Passed 4.5.94
SE.16.004.00 Passed 4.5.95
SE.16.005.00 Passed 4.5.96
SE.16.007.00 Passed 4.5.98
SE.16.008.00 Passed 4.5.99
SE.16.009.00 Passed 4.5.100
SE.16.010.02 Passed 4.5.101
SE.17.001.00 Passed 4.5.102
SE.17.002.00 Passed 4.5.103
SE.17.003.00 Passed 4.5.104
SE.21.001.00 Passed 4.5.107
SE.23.001.00 Passed 4.5.110
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

SE.40.001.03 Passed 4.5.112
SH.40.001.02 Passed 4.5.115
SH.40.001.03 Passed 4.5.116
AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction

DE.6.003.00 Passed 4.6.2
DE.26.006.00 Passed 4.6.5
DE.60.001.00 Passed 4.6.6
DE.60.001.01 Passed 4.6.7
DS.5.003.00 Passed 4.6.8
DS.5.004.00 Passed 4.6.9
ES.2.001.01 Passed 4.6.10
GE.1.006.00 Passed 4.6.11
GE.2.002.00 Passed 4.6.12
GE.3.001.00 Passed 4.6.13
GE.3.002.00 Passed 4.6.14
GE.3.003.00 Passed 4.6.15
GE.4.001.00 Passed 4.6.16
GE.4.001.00.PVT Not Applicable 4.6.17
MD.3.001.00 Passed 4.6.19
MD.21.001.01 Passed 4.6.21
MD.22.001.00 Passed 4.6.22
MD.26.003.00 Passed 4.6.24
MD.31.001.00 Passed 4.6.27
MD.31.002.00 Passed 4.6.31
MS.1.006.00 Not Applicable 4.6.33
QF.11.001.00 Passed 4.6.39
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

QN.10.001.01 Passed 4.6.41
QN.10.003.03 Passed 4.6.43
QN.12.001.00 Passed 4.6.44
QN.12.002.00 Passed 4.6.45
QN.12.003.00 Passed 4.6.46
QN.16.001.00 Passed 4.6.47
SE.5.001.00 Passed 4.6.48
SE.5.002.00 Passed 4.6.49
SE.7.001.00 Passed 4.6.50
SE.7.002.00 Passed 4.6.51
SE.7.006.00 Passed 4.6.53
SE.7.007.03 Passed 4.6.56
SE.7.007.05 Passed 4.6.58
SE.10.003.00 Passed 4.6.62
SE.10.003.01 Passed 4.6.63
SE.23.001.00 Passed 4.6.71
SH.40.001.02 Passed 4.6.75
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4. Test Details
This chapter presents detailed test results.
4.1 Template Check
4.1.1 Template Test

Verdict Not Applicable
Test description Compare card data with template data
Test not applicable, because:

No Template Selected
4.2 Issuer Keys Validation
4.2.1 Check AC Key

Test description Validate AC TDES Key

Test is not switched on in test configuration
4.2.2 Check MAC Key

Test description Validate MAC TDES Key

Test is not switched on in test configuration.
4.2.3 Check ENC Key

Test description Validate ENC TDES Key

Test is not switched on in test configuration
PIN verification is switched off. It should be enabled to run the test.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3 AID: 'A0 00 00 00 03 10 10' Tests on EMV transaction 1st GAC ARQC
4.3.1 CV.2.001.00
Verdict Passed
Test description To ensure that 'No CVM required' is the last CVM in the CVM List.
Test case is applicable for:

Specification: VIS 1.4.1 VIS 1.5.x VIS 1.6.x
▤ Tag 8E : Cardholder Verification Method (CVM) List : 00 00

00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02
▤ Amount X = 00 00 00 00
▤ Amount Y = 00 00 00 00
▤ CVM 1: [02 05] (Enciphered PIN verified online)
▤ Byte 1 bit 8 = 0 (default value)
bit 7 = 0 (Fail Cardholder Verification if this CVM is
unsuccessful))
bit 6-1= 000010 (Enciphered PIN verified online)
▤ Byte 2 = '05' (If purchase with cashback)
▤ CVM 2: [44 03] (Enciphered PIN verification performed by ICC)
bit 7 = 1 (Apply succeeding CVM field if this CVM is
unsuccessful)
bit 6-1= 000100 (Enciphered PIN verification performed by ICC)
▤ Byte 2 = '03' (If terminal supports the CVM type)
▤ CVM 3: [41 03] (Plaintext PIN verification performed by ICC)
unsuccessful)
bit 6-1= 000001 (Plaintext PIN verification performed by ICC)
unsuccessful)
▤ CVM 5: [1E 03] (Signature (paper))
unsuccessful))
bit 6-1= 011110 (Signature (paper))
▤ CVM 6: [1F 02] (No CVM required)
unsuccessful))
bit 6-1= 011111 (No CVM required)
▤ Byte 2 = '02' (If not unattended cash and not manual cash and not
purchase with cashback)
▤ Tag 5F 28: Issuer Country Code : 00 51
▤ Country Code = 00 51
▤ Country Name = Armenia
✔ CV.2.001.00.452 Passed. (Related Failure/Observation/Warning Message: 'No CVM
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ CV.2.001.00.452 Passed. (Related Failure/Observation/Warning Message: 'No CVM

required' must be the last CVM in the CVM List.)
4.3.2 CV.2.002.00
Verdict Passed
Test description To ensure that 'Signature' is in the CVM List.


00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02
▤ Amount X = 00 00 00 00
▤ Amount Y = 00 00 00 00
unsuccessful))
unsuccessful)
unsuccessful)
unsuccessful)
unsuccessful))
unsuccessful))
✔ CV.2.002.00.462 Passed. (Related Failure/Observation/Warning Message: 'Signature'
shall be present in the CVM List.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.3 CV.2.003.00
Verdict Passed
Test description To ensure that 'PIN, Always' is not the only CVM in the CVM List.


00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02
▤ Amount X = 00 00 00 00
▤ Amount Y = 00 00 00 00
unsuccessful))
unsuccessful)
unsuccessful)
unsuccessful)
unsuccessful))
unsuccessful))
✔ CV.2.003.00.463 Passed. (Related Failure/Observation/Warning Message: 'PIN,
Always' must not be the only CVM in the CVM List.)
4.3.4 CV.2.004.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure that the first CVM in the CVM List (Tag '8E') is not set to always fail CVM processing.


00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02
▤ Amount X = 00 00 00 00
▤ Amount Y = 00 00 00 00
unsuccessful))
unsuccessful)
unsuccessful)
unsuccessful)
unsuccessful))
unsuccessful))
✔ CV.2.004.00.464 Passed. (Related Failure/Observation/Warning Message: The first

CVM in the CVM List must not be set to always fail CVM processing.)
4.3.5 CV.3.001.00
Verdict Passed
Test description To ensure that Signature, Online PIN (when applicable) and No CVM shall be supported as
CVM methods, for Visa DB/CR.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02
▤ Amount X = 00 00 00 00
▤ Amount Y = 00 00 00 00
unsuccessful))
unsuccessful)
unsuccessful)
unsuccessful)
unsuccessful))
unsuccessful))
✔ CVM method 5 indicates Signature.

✔ CVM method 6 indicates No CVM.
▤ Tag 9F 07: Application Usage Control : FF 80

▤ Byte 1 bit 8 = 1 Valid for domestic cash transactions
bit 7 = 1 Valid for international cash transactions
bit 6 = 1 Valid for domestic goods
bit 5 = 1 Valid for international goods
bit 4 = 1 Valid for domestic services
bit 3 = 1 Valid for international services
bit 2 = 1 Valid at ATMs
bit 1 = 1 Valid at terminals other than ATMs
▤ Byte 2 bit 8 = 1 Domestic cashback allowed
bit 7 = 0 International cashback NOT allowed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
• AUC Byte 1 bit 2 = 1 (valid at ATM)
✔ CVM method 1 indicates Online PIN.
✔ CV.3.001.00.813 Passed. (Related Failure/Observation/Warning Message: CVM list

shall support 'Signature' method.)
✔ CV.3.001.00.814 Passed. (Related Failure/Observation/Warning Message: CVM List
shall support 'Online PIN' method if card product is valid for ATM.)
✔ CV.3.001.00.816 Passed. (Related Failure/Observation/Warning Message: CVM List
shall support 'No CVM' method.)
4.3.6 CV.4.001.00
Test description To ensure that Signature and Online PIN (when applicable) shall be supported as CVM
methods, for Visa Electron.


Test is not applicable for VISA VSDC application
4.3.7 CV.6.001.00
Test description To ensure that Visa applications supporting Offline Plaintext PIN shall successfully validate a
VERIFY command with the valid PIN value, if known.

• Card supports Plaintext (Offline) PIN

PIN verification switched off in Test Configuration
4.3.8 CV.7.001.00
Test description To ensure that the card validates a correct PIN value enciphered with the ICC or ICC PIN
Encipherment public key.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

• Card supports Enciphered (Offline) PIN

4.3.9 CV.8.001.00
Test description To ensure the validity of the recovered ICC PIN Encipherment Public Key Certificate (when
applicable).


ICC PIN Encipherment Public Key Certificate (tag '9F2D') is not present
4.3.10 CV.19.001.00
Test description To ensure that when the Consecutive Transaction Counter - No CVM (CTC-NC) Check is
supported, the Counters Data Template is present and formatted correctly

Specification: VIS 1.6.x VCPS 2.2.x
▤ Tag 9F 08: Application Version Number [VIS] : 00 A0

▤ VIS 1.6.0
Application Version Number does not indicate that the card is compliant to VIS
1.6.2/VCPS 2.2.1 and above
Consecutive Transaction Counter - No CVM (CTC-NC) Check is not supported
4.3.11 CV.20.001.00
Test description To ensure that when the Cumulative Total Transaction Amount - No CVM (CTTA-NC) Check is
supported, the Amounts Data Template is present and formatted correctly


▤ VIS 1.6.0
▤ Tag 9F 68: Card Additional Processes [qVSDC VCPS 2.2] : 4C 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ VIS 1.6.0
F0 00
▤ Byte 1 bit 8 = 0 Low Value Check not supported
bit 7 = 1 Low Value AND CTTA Check supported
bit 6 = 0 Do not count qVSDC online transactions
bit 5 = 0 Streamlined qVSDC not supported
bit 4 = 1 PIN Tries Exceeded Check supported
bit 3 = 1 Offline international transactions are allowed
bit 2 = 0 No Card Contact Chip Preference
bit 1 = 0 Do not return Available Offline Spending Amount
Byte 2 bit 8 = 0 Do not include country code in determining international
transactions
bit 7 = 0 International transactions are allowed
bit 6 = 0 Enable Offline Data Authentication (ODA) for Online
Authorizations
bit 5 = 0 Contactless Issuer Update Processing not supported
bit 4 = 0 Count qVSDC offline transactions
bit 3 = 0 Card does not Prefer Online
bit 2 = 0 RFU
bit 1 = 0 RFU
Byte 3 bit 8 = 1 Online PIN supported for domestic transaction
bit 7 = 1 Online PIN supported for international transaction
bit 6 = 1 (Contact Chip) Offline PIN supported
bit 5 = 1 Signature supported
bit 4 = 0 Consumer Device CVM not supported
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Byte 4 bit 8 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
1.6.2/VCPS 2.2.1 and above
Cumulative Total Transaction Amount - No CVM (CTTA-NC) Check is not supported
4.3.12 CV.22.001.00
Test description To ensure that if the Consecutive Transaction Counter - No CVM (CTC-NC) or Cumulative Total
Transaction Amount - No CVM (CTTA-NC) Check is supported, the CVM Results tag and length
are included in the CDOL2

Specification: VIS 1.6.x

▤ VIS 1.6.0
1.6.1 and above
Cumulative Total Transaction Amount - No CVM (CTTA-NC) Check and Consecutive
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Transaction Counter - No CVM (CTC-NC) Check are both not supported
4.3.13 DA.1.001.00
Verdict Passed
Test description To ensure the presence and validity of the recovered Issuer Public Key Certificate (tag '90')

✔ Decipher Issuer Certificate

▤ Tag 8F : Certification Authority Public Key Index : 09
▤ Tag 90 : Issuer Public Key Certificate : 3F
58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04 96 65 45 B6 33 D5 91 F4 DD F0 24 40 B7
14 DB 63 CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2 37 79 2A 59 B6 D1 D6 53 61 56
3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A 02 6D 24 D7
90 B4 63 24 9A 24 A4 46 A4 67 B3 2B 0C 5D D1 D8 5B F0 7A DF 67 7B E3 58 66 AF 91
87 D6 E6 71 0C 6C 83 E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67 58 7D 2B A1 BD FE 7E
BF D8 12 40 69 30 9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E 14 9B 12 59
AE 2E B7 8D D4 FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66 31 3E 98 EF 14 B9 C3 2D BE
5C 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93
7C 1D 6C 29
▤ Deciphered Issuer Public Key Certificate: 6A 02 48 89 62 FF 12 30 04 65 45 01 01
B0 01 B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06 0F 43 56 74 85 5D F9 F1 BF A2
F7 EF C4 4F E0 3C 18 5A 12 78 F1 4F D8 29 65 B9 A5 A5 55 4D BF 53 70 52 F6 01 CC 62
B7 74 67 26 13 69 D1 E3 7A DC 6E 7E 9A D4 05 B8 AE 6F 88 A7 E8 EB 1B 16 E9 EA 11 21
B8 33 60 F5 5E 68 CE EB B2 40 38 AB 76 26 D9 87 86 04 4B 6A 31 DB 5A 80 F2 12 32 F2
15 2E 95 5A 6E 71 E7 4D 56 1A 99 07 E2 FD 30 8D FF B1 69 B6 C8 11 4C CB 63 37 A2 73
D0 E0 14 43 39 A3 A3 F4 61 6E CA 16 A3 F0 A9 A2 11 2C E7 87 5D 63 21 43 34 7A 99 D8
54 18 5E B9 E2 FA 91 AD EA 9F BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB 5E 21 CD EC CF 42 26 64 40 B8
94 1D 25 AD 6A 28 59 7B AD BF BC
▤ Data Header = 6A
▤ Certificate Format = 02
▤ Issuer Identification Number = 48 89 62 FF
▤ Certificate Expiration Date (MM YY) = 12 30
▤ Certificate Serial Number = 04 65 45
▤ Hash Algorithm Indicator = 01
▤ Issuer Public Key Algorithm = 01
▤ Issuer Public Key Length = B0
▤ Issuer Public Key Exponent = 01
▤ Issuer Public Key:
▤ B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06
▤ 0F 43 56 74 85 5D F9 F1 BF A2 F7 EF C4 4F E0 3C
▤ 18 5A 12 78 F1 4F D8 29 65 B9 A5 A5 55 4D BF 53
▤ 70 52 F6 01 CC 62 B7 74 67 26 13 69 D1 E3 7A DC
▤ 6E 7E 9A D4 05 B8 AE 6F 88 A7 E8 EB 1B 16 E9 EA
▤ 11 21 B8 33 60 F5 5E 68 CE EB B2 40 38 AB 76 26
▤ D9 87 86 04 4B 6A 31 DB 5A 80 F2 12 32 F2 15 2E
▤ 95 5A 6E 71 E7 4D 56 1A 99 07 E2 FD 30 8D FF B1
▤ 69 B6 C8 11 4C CB 63 37 A2 73 D0 E0 14 43 39 A3
▤ A3 F4 61 6E CA 16 A3 F0 A9 A2 11 2C E7 87 5D 63
▤ 21 43 34 7A 99 D8 54 18 5E B9 E2 FA 91 AD EA 9F
▤ Padding:
▤ BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ BB BB BB BB
▤ Hash Result:
▤ 5E 21 CD EC CF 42 26 64 40 B8 94 1D 25 AD 6A 28
▤ 59 7B AD BF
▤ Data Trailer = BC
✔ Recovered Data Trailer is 'BC'
✔ Recovered Data Header is '6A'
✔ Recovered Certificate Format is '02'
▤ Tag 5A : Application Primary Account Number (PAN) : 48 89
62 00 14 09 79 20
✔ Recovered Issuing (ISO) BIN matches the first 4, 5, 6, 7 or 8 digits of the PAN
▤ Tag 5F 24: Application Expiration Date : 25 05
31
▤ Year : 2025
▤ Month: May
▤ Day : 31
✔ Certificate Expiration Date is not earlier than Application Expiration Date
▤ Current Date (YYYYMM): 202105
✔ Valid expiration date of the Issuer Public Key certificate
▤ Verification of Hash Result
▤ Hash Data input = 02 48 89 62 FF 12 30 04 65 45
01 01 B0 01 B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06 0F 43 56 74 85 5D F9
F1 BF A2 F7 EF C4 4F E0 3C 18 5A 12 78 F1 4F D8 29 65 B9 A5 A5 55 4D BF 53 70 52
F6 01 CC 62 B7 74 67 26 13 69 D1 E3 7A DC 6E 7E 9A D4 05 B8 AE 6F 88 A7 E8 EB 1B
16 E9 EA 11 21 B8 33 60 F5 5E 68 CE EB B2 40 38 AB 76 26 D9 87 86 04 4B 6A 31 DB
5A 80 F2 12 32 F2 15 2E 95 5A 6E 71 E7 4D 56 1A 99 07 E2 FD 30 8D FF B1 69 B6 C8
11 4C CB 63 37 A2 73 D0 E0 14 43 39 A3 A3 F4 61 6E CA 16 A3 F0 A9 A2 11 2C E7 87
5D 63 21 43 34 7A 99 D8 54 18 5E B9 E2 FA 91 AD EA 9F BB BB BB BB BB BB BB BB BB
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
03
▤ Data from deciphered Issuer Public Key Certificate = 02 48 89 62 FF 12 30 04
65 45 01 01 B0 01 B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06 0F 43 56 74
85 5D F9 F1 BF A2 F7 EF C4 4F E0 3C 18 5A 12 78 F1 4F D8 29 65 B9 A5 A5 55 4D
BF 53 70 52 F6 01 CC 62 B7 74 67 26 13 69 D1 E3 7A DC 6E 7E 9A D4 05 B8 AE 6F
88 A7 E8 EB 1B 16 E9 EA 11 21 B8 33 60 F5 5E 68 CE EB B2 40 38 AB 76 26 D9 87
86 04 4B 6A 31 DB 5A 80 F2 12 32 F2 15 2E 95 5A 6E 71 E7 4D 56 1A 99 07 E2 FD
30 8D FF B1 69 B6 C8 11 4C CB 63 37 A2 73 D0 E0 14 43 39 A3 A3 F4 61 6E CA 16
A3 F0 A9 A2 11 2C E7 87 5D 63 21 43 34 7A 99 D8 54 18 5E B9 E2 FA 91 AD EA 9F
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
BB BB BB BB BB BB BB BB BB BB
▤ Hash Result from Issuer Public Key Certificate = 5E 21 CD EC CF 42 26 64 40 B8
94 1D 25 AD 6A 28 59 7B AD BF
▤ Result of SHA1 over the Hash Data = 5E 21 CD EC CF 42 26 64 40 B8
94 1D 25 AD 6A 28 59 7B AD BF
✔ Recovered Hash Result matches the same calculated hash result
✔ Recovered Issuer Public Key Algorithm Indicator is '01'
✔ DA.1.001.00.351 Passed. (Related Failure/Observation/Warning Message: Recovered

Data Trailer shall be 'BC'.)
Data Header shall be '6A'.)
Issuer Public Key Certificate Format shall be '02'.)
Issuer Public Key Certificate Issuing (ISO) BIN shall match the first 6 digits of
the PAN.)
Issuer Public Key Certificate Expiration Date shall be encoded in MMYY format and
shall not be earlier than Application Expiration Date (Tag '5F24').)
✔ DA.1.001.00.371 Passed. (Related Failure/Observation/Warning Message: Outdated
expiration date of the Issuer Public key certificate.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Hash Result shall match the same calculated hash result.)
Public Key Certificate Issuer Public Key Algorithm Indicator shall be '01'.)
✔ DA.1.001.00.378 Passed. (Related Failure/Observation/Warning Message: The Issuing
(ISO) BIN recovered from the IPK Certificate is 6 digits. 2 padding characters of
the Issuing (ISO) BIN recovered from the IPK Certificate must be hexadecimal 'F's.)
4.3.14 DA.2.001.00
Verdict Passed
Test description To ensure the presence and validity of the recovered ICC Public Key Certificate are correct

✔ Decipher ICC Public Key Certificate

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
86 CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04 96 65 45 B6 33 D5 91 F4 DD F0 24
40 B7 14 DB 63 CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2 37 79 2A 59 B6 D1 D6
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
02 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3 2B 0C 5D D1 D8 5B F0 7A DF 67 7B
E3 58 66 AF 91 87 D6 E6 71 0C 6C 83 E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67 58
7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A
FF 19 0E 14 9B 12 59 AE 2E B7 8D D4 FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66 31
3E 98 EF 14 B9 C3 2D BE 5C 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39 9D
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
▤ Tag 92 : Issuer Public Key Remainder : <not
present>
▤ Tag 9F 32: Issuer Public Key Exponent : 03
▤ Tag 9F 46: ICC Public Key Certificate : 54
19 A5 B1 84 FE BA BE 00 7D FF 1D BA 4A 61 F3 C6 7A 79 17 0A 32 C1 FA 99 C9 E4 7A
69 E5 86 24 79 8B F6 8E F0 5E 87 7F 80 DA 2F 0B 79 EF 1C 01 BA 56 7D B6 2A 37 69
0C 9C 42 08 A8 3C DB CF 46 48 B0 9C 6A B6 84 E8 F1 19 CC 02 DA E6 55 E1 10 15 3B
B3 D6 6D 10 E0 75 DE 6E 54 E9 1E E2 09 89 46 FB FD A1 69 1D 7F B2 DB B6 70 5B C7
1A 71 92 B0 C9 F2 8B 36 C6 BF 2C 7D 65 8A 43 D5 EA 82 57 0F FA 3B E5 9C 47 A7 36
7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99
C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ Deciphered ICC Public Key Certificate
▤ Application PAN = 48 89 62 00 14 09 79 20 FF FF
▤ ICC Public Key Algorithm = 01
▤ ICC Public Key Length = 80
▤ ICC Public Key Exponent = 01
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 37 64 DD E2 CF FB 1D 2E C6 F1 BB DD B8 A6 7A C8
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ BB BB BB BB BB BB
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
31
▤ Year : 2025
▤ Month: May
▤ Day : 31
▤ Hash Data input = 04 48 89 62 00 14 09 79 20 FF
FF 05 25 00 00 01 01 01 80 01 D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1 7E
C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF FF 57 31 78 61 08 0D 16 41 40 41 D9
4F 14 21 58 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05 B9 48 26 7C 49 A8 0C
35 50 5E 5E E6 0F 65 04 2D D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06 37 64
DD E2 CF FB 1D 2E C6 F1 BB DD B8 A6 7A C8 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5
18 B1 F9 BB BB BB BB BB BB 03 5F 25 03 21 05 01 5F 24 03 25 05 31 5A 08 48 89 62
00 14 09 79 20 5F 34 01 01 9F 07 02 FF 80 9F 0D 05 B8 60 AC 88 00 9F 0E 05 00 10
00 00 00 9F 0F 05 B8 68 BC 98 00 8E 14 00 00 00 00 00 00 00 00 02 05 44 03 41 03
42 03 1E 03 1F 02 5F 28 02 00 51 9F 4A 01 82 3C 00
▤ Data from deciphered ICC Public Key Certificate = 04 48 89 62 00 14 09 79 20
FF FF 05 25 00 00 01 01 01 80 01 D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E
F1 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF FF 57 31 78 61 08 0D 16 41
40 41 D9 4F 14 21 58 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05 B9 48 26
7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8
19 35 06 37 64 DD E2 CF FB 1D 2E C6 F1 BB DD B8 A6 7A C8 33 AD A6 2E 6C 77 CF
3A A7 52 FD 59 A5 18 B1 F9 BB BB BB BB BB BB
▤ Hash Result from ICC Public Key Public Key Certificate = 27 9A 57 94 8A 23 E9
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Hash Result from ICC Public Key Public Key Certificate = 27 9A 57 94 8A 23 E9

77 AB 9E 31 89 AC 27 AC C2 D7 4A 98 39
▤ Result of SHA1 over the Hash Data = 27 9A 57 94 8A 23 E9
77 AB 9E 31 89 AC 27 AC C2 D7 4A 98 39
62 00 14 09 79 20
✔ Recovered PAN matches the Application PAN
▤ Certificate expiration date (YYYYMM): 202505

▤ Current date (YYYYMM) : 202105
✔ ICC Public Key certificate is not expired

ICC Public Key Certificate Format shall be '04'.)
ICC Public Key Certificate Expiration Date shall be encoded in MMYY format and shall
not be earlier than Application Expiration Date (Tag '5F24').)
ICC Public Key Certificate Application PAN shall match with the Application PAN and
padded to the right with hexadecimal 'F's.)
✔ DA.2.001.00.822 Passed. (Related Failure/Observation/Warning Message: Expired ICC
Public Key Certificate (tag '9F46'))
4.3.15 DA.3.001.00
Verdict Passed
Test description To ensure at least 1 file in 1 record participates in Offline Data Authentication.

• Card supports DDA

▤ Tag 94 : Application File Locator (AFL) : 08 02
02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ SFI (decimal) = 1
▤ Start record = 2
▤ End record = 2
▤ Number of records needed
for offline data authentication = 0
▤ AFL (2) = 10 01 02 00
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ End record = 3
✔ DA.3.001.00.358 Passed. (Related Failure/Observation/Warning Message: At least

one record shall be indicated to be used for Offline Data Authentication which is
required for the generation of Signed Static Application Data.)
4.3.16 DA.4.001.00
Test description To ensure the validity of the recovered Signed Static Application Data (if SDA supported).


Signed Static Application Data (tag '93') is not present
Card does not support SDA
4.3.17 DA.5.001.00
Verdict Passed
Test description To ensure the presence and validity of the recovered Signed Dynamic Application Data (if DDA
is supported).


✔ Decipher Signed Dynamic Data
▤ Tag 8F : Certification Authority Public Key Index :
09
▤ Tag 90 : Issuer Public Key Certificate :
3F 58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96
07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04 96 65 45 B6 33 D5 91 F4 DD F0
24 40 B7 14 DB 63 CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2 37 79 2A 59 B6 D1
D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15
0A 02 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3 2B 0C 5D D1 D8 5B F0 7A DF 67
7B E3 58 66 AF 91 87 D6 E6 71 0C 6C 83 E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67
58 7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7
3A FF 19 0E 14 9B 12 59 AE 2E B7 8D D4 FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66
31 3E 98 EF 14 B9 C3 2D BE 5C 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39
9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
▤ Tag 92 : Issuer Public Key Remainder :
<not present>
19 A5 B1 84 FE BA BE 00 7D FF 1D BA 4A 61 F3 C6 7A 79 17 0A 32 C1 FA 99 C9 E4
7A 69 E5 86 24 79 8B F6 8E F0 5E 87 7F 80 DA 2F 0B 79 EF 1C 01 BA 56 7D B6 2A
37 69 0C 9C 42 08 A8 3C DB CF 46 48 B0 9C 6A B6 84 E8 F1 19 CC 02 DA E6 55 E1
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
10 15 3B B3 D6 6D 10 E0 75 DE 6E 54 E9 1E E2 09 89 46 FB FD A1 69 1D 7F B2 DB
B6 70 5B C7 1A 71 92 B0 C9 F2 8B 36 C6 BF 2C 7D 65 8A 43 D5 EA 82 57 0F FA 3B
E5 9C 47 A7 36 7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1
1D 76 84 D8 7A 99 C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
▤ Tag 9F 48: ICC Public Key Remainder : <not
present>
▤ Tag 9F 47: ICC Public Key Exponent : 03
▤ Deciphered Signed Dynamic Application Data: 6A 05 01 03 02 00 06 BB BB BB BB BB BB
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
BB BB BB BB BB BB BB BB BB BB 33 9C AA AB 48 1F 90 52 C1 74 12 17 6A 2F 83 2A AA 6E
22 E1 BC
▤ Signed Data Format = 05
▤ ICC Dynamic Data Length = 03
▤ ICC Dynamic Data:
▤ 02 00 06
▤ Pad Pattern:
▤ BB BB BB BB
▤ Hash Result:
▤ 33 9C AA AB 48 1F 90 52 C1 74 12 17 6A 2F 83 2A
▤ AA 6E 22 E1
✔ Recovered ICC Dynamic Data length represents the actual length of ICC Dynamic
Data
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99
C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
✔ Recovered Pad Pattern is (Length of ICC Public Key Modulus - ICC Dynamic Data -
25) long and is padded with values of 'BB'
▤ Tag 9F 49: Dynamic Data Authentication Data Object List (DDOL) : 9F 37
04
▤ Tag( 1) = 9F 37 [Unpredictable Number]
▤ Tag : 9F 37
▤ Length: 04
▤ Name : Unpredictable Number
▤ Hash Data input = 05 01 03 02 00 06 BB BB BB BB
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB 01 02 03 04
▤ Data from deciphered Signed Dynamic Application Data = 05 01 03 02 00 06 BB BB
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
▤ DDOL Data to be authenticated = 01 02 03 04
▤ Hash Result from Signed Dynamic Application Data = 33 9C AA AB 48 1F 90 52 C1 74
12 17 6A 2F 83 2A AA 6E 22 E1
▤ Result of SHA1 over the Hash Data = 33 9C AA AB 48 1F 90 52 C1 74
12 17 6A 2F 83 2A AA 6E 22 E1
✔ Recovered Hash Result matches the calculated hash result
✔ DA.5.001.00.373 Passed. (Related Failure/Observation/Warning Message: The card

does not respond to a valid Internal Authenticate command.)
Signed Dynamic Application Data Signed Data Format shall be '05'.)
Signed Dynamic Application Data ICC Dynamic Data Length shall represent the actual
length of ICC Dynamic Data.)
Signed Dynamic Application Data Pad Pattern shall be (Length of ICC Public Key
Modulus - ICC Dynamic Data - 25) long and shall be padded with values of 'BB'.)
4.3.18 DA.6.001.00
Verdict Passed
Test description To check that the optional additional dynamic data is not used in the ICC Dynamic Data when
DDA is supported.


09
D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15
9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

<not present>
19 A5 B1 84 FE BA BE 00 7D FF 1D BA 4A 61 F3 C6 7A 79 17 0A 32 C1 FA 99 C9 E4
7A 69 E5 86 24 79 8B F6 8E F0 5E 87 7F 80 DA 2F 0B 79 EF 1C 01 BA 56 7D B6 2A
37 69 0C 9C 42 08 A8 3C DB CF 46 48 B0 9C 6A B6 84 E8 F1 19 CC 02 DA E6 55 E1
10 15 3B B3 D6 6D 10 E0 75 DE 6E 54 E9 1E E2 09 89 46 FB FD A1 69 1D 7F B2 DB
B6 70 5B C7 1A 71 92 B0 C9 F2 8B 36 C6 BF 2C 7D 65 8A 43 D5 EA 82 57 0F FA 3B
E5 9C 47 A7 36 7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1
1D 76 84 D8 7A 99 C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
present>
BB BB BB BB BB BB BB BB BB BB 33 9C AA AB 48 1F 90 52 C1 74 12 17 6A 2F 83 2A AA 6E
22 E1 BC
▤ 02 00 06
▤ Pad Pattern:
▤ BB BB BB BB
▤ Hash Result:
▤ 33 9C AA AB 48 1F 90 52 C1 74 12 17 6A 2F 83 2A
▤ AA 6E 22 E1
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ AA 6E 22 E1
✔ DA.6.001.00.114 Passed. (Related Failure/Observation/Warning Message: It is

recommended that cards only use the ICC Dynamic Number in the ICC Dynamic Data
rather than also including additional dynamic data.)
4.3.19 DA.7.001.00
Test description To ensure that the CDA bit is set in Application Interchange Profile (AIP) (if CDA is supported).


Card does not support CDA
4.3.20 DA.9.001.00
Test description To ensure the validity of the recovered Signed Dynamic Application Data (if CDA is supported).


SDAD (tag '9F4B') is not present in the Generate AC response
4.3.21 DA.10.001.00
Test description To ensure contact-only cards that support Offline Authorization support Dynamic Data
Authentication (DDA)


Card is not contact-only (without contactless functionality) (see ICS)
4.3.22 DA.11.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Test description To ensure if CDA is supported DDA is also supported and corresponding Application
Interchange Profile (AIP) bits are set to 1b


4.3.23 DE.1.001.00
Verdict Passed
Test description To ensure that the Application Cryptogram (AC) is present and is the correct length.

▤ Tag 9F 26: Application Cryptogram (AC) : 27 3A

90 BF EB 41 5F 62
✔ DE.1.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid

Length.)
✔ DE.1.001.00.3 Passed. (Related Failure/Observation/Warning Message: Missing
mandatory data element Application Cryptogram (AC) ('9F 26'))
4.3.24 DE.2.001.00
Test description To ensure Application Currency Code contains a valid value and is the correct length (if
present).


Application Currency Code (tag '9F 42') is not present
4.3.25 DE.2.003.00
Verdict Passed
Test description To check that the Application Currency Code is not present when not required (if CVM List
conditions does not use amount checks).

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

• CVM List does not specify amount checks in CVM conditions

▤ Tag 9F 42: Application Currency Code : <not
present>
✔ DE.2.003.00.54 Passed. (Related Failure/Observation/Warning Message: Since

neither velocity checks support nor VLP support is indicated in the Product Profile,
the Application Currency Code (visa Proprietary Data) is not required to be
personalized on this card.)
4.3.26 DE.2.004.00
Test description To check the correctness of the Application Currency Code (if present).


4.3.27 DE.2.005.00
Test description To ensure that the Application Currency Code (if present) is consistent with the Visa
proprietary tag.


4.3.28 DE.3.001.00
Verdict Passed
Test description To ensure that the Application Currency Exponent has the correct length and format.

▤ Tag 9F 44: Application Currency Exponent : 02
✔ DE.3.001.00.8 Passed. (Related Failure/Observation/Warning Message: Format not

correct.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Length.)
4.3.29 DE.3.002.00
Test description To ensure that the Application Currency Exponent contains a value consistent with the
Application Currency Code.


4.3.30 DE.4.001.00
Test description To ensure that the length of the Application Discretionary Data is correct.


Application Discretionary Data (tag '9F 05') is not present
4.3.31 DE.4.002.00
Verdict Passed
Test description To ensure that the Application Effective Date is formatted correctly (when present).

▤ Tag 5F 25: Application Effective Date : 21 05

01
▤ Year : 2021
▤ Month: May
▤ Day : 01
✔ DE.4.002.00.55 Passed. (Related Failure/Observation/Warning Message: The date

shall be encoded in a valid format (YYMMDD) and the value shall be a valid calendar
date.)
Length.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.32 DE.5.001.00
Verdict Passed
Test description To ensure that the Application File Locator (AFL) is present in the GET PROCESSING OPTIONS
response.


02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ End record = 2
▤ AFL (2) = 10 01 02 00
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3

mandatory data element Application File Locator (AFL) ('94'))
✔ DE.5.001.00.308 Passed. (Related Failure/Observation/Warning Message: Unable to
read records.)
4.3.33 DE.5.002.00
Verdict Passed
Test description To ensure the Application File Locator (AFL) is correctly formatted and contains a valid value.


02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ End record = 2
▤ AFL (2) = 10 01 02 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3
✔ AFL has valid length

Length.)
✔ DE.5.002.00.59 Passed. (Related Failure/Observation/Warning Message: Application
File Locator (Tag '94') Byte 1 Bit 3 to Bit 1 shall be zeroes.)
File Locator (Tag '94') Byte 2 (first Record Number) shall not be '00' and is lower
than or equal to Byte 3 (last Record Numbers).)
File Locator (Tag '94') Byte 4 <= Byte 3 - Byte 2 +1.)
4.3.34 DE.6.001.00
Verdict Passed
Test description To ensure that the Application Interchange Profile is present and formatted correctly.

▤ Tag 82 : Application Interchange Profile [VIS] : 3C 00

▤ Byte 1 bit 8 = 0 RFU
bit 7 = 0 Offline static data authentication is NOT supported
bit 6 = 1 Offline dynamic data authentication is supported
bit 5 = 1 Cardholder verification is supported
bit 4 = 1 Terminal risk management is to be performed
bit 3 = 1 Issuer authentication is supported using the EXTERNAL
AUTHENTICATE command
bit 2 = 0 RFU
bit 1 = 0 Combined DDA / GENERATE AC NOT supported
Byte 2 bit 8 = 0 Not used for VIS
bit 7 = 0 NOT Mobile phone
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

mandatory data element Application Interchange Profile [VIS] ('82'))
Length.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.35 DE.6.002.00
Verdict Passed
Test description To ensure that the Application Interchange Profile contains the correct values.


bit 2 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ Byte 1, Bit 4 (Terminal Risk Management is to be performed) set to 1
✔ Byte 1, Bit 5 (Cardholder Verification is supported) set to 1
✔ All RFU bits are set to zeroes
✔ DE.6.002.00.4 Passed. (Related Failure/Observation/Warning Message: All RFU/'Not

used for VCPS' bits shall be set to zero)
Interchange Profile (Tag '82') Byte 1 Bit 4 (Terminal risk management is to be
performed) shall be set.)
✔ DE.6.002.00.148 Passed. (Related Failure/Observation/Warning Message: Forbidden
value in AIP: Cardholder Verification must be supported, Byte 1 bit 5 must be set to
1.)
4.3.36 DE.6.002.01
Test description To ensure that the Application Interchange Profile (AIP, tag '82') returned in the GET
PROCESSING OPTIONS Response is consistent with the Application File Locator (AFL, tag '94')
when card does not support Offline Data Authentication


DDA or CDA is supported (see ICS)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.37 DE.6.002.02
Test description To ensure that the Application Interchange Profile (AIP, tag '82') byte 1 bit 3 "Issuer
Authentication is supported using the EXTERNAL AUTHENTICATE command" is set correctly.

Specification: VIS 1.5.x VIS 1.6.x

Cryptogram Version Number is not 18 ('12') or '22'
4.3.38 DE.6.002.03
Verdict Passed
Test description To ensure that the Application Interchange Profile (AIP, tag '82') returned in the GET
PROCESSING OPTIONS Response is consistent with the Application File Locator (AFL, tag '94')
when card supports Offline Data Authentication


02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ End record = 2
▤ AFL (2) = 10 01 02 00
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3
✔ DE.6.002.03.198 Passed. (Related Failure/Observation/Warning Message: The

Application File Locator (tag '94') byte 4 of at least one of the AFL group of four
bytes shall not be set to '00' when the Application Interchange Profile (tag '82')
indicates that card supports Offline Data Authentication (byte 1 bit 6 is 1b or both
byte 1 bit 6 is 1b AND byte 1 bit 1 is 1b).)
4.3.39 DE.6.003.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Application Label is present and formatted correctly.

Specification: VIS 1.4.1 VIS 1.5.x VIS 1.6.x VCPS 2.2.x VMCPS 1.4.x
▤ Tag 50 : Application Label : 56 69

73 61
▤ Text value = Visa
✔ Application Label has valid length (1-16 bytes)
✔ Application Label contains only ans characters

mandatory data element Application Label ('50'))
Length.)
Label (Tag '50') shall contain only alphanumeric characters and spaces (i.e. no
punctuation, apostrophes, question marks, etc).)
Label (Tag '50') shall be in uppercase for all characters, or uppercase for the
first letter of each word followed by lowercase characters.)
4.3.40 DE.6.003.01
Test description To ensure that if there is more than one AID on the payment application, the labels do not
match

Specification: VIS 1.4.1 VIS 1.5.x VIS 1.6.x VCPS 1.4.2 VCPS 2.0.2 VCPS 2.1.x
VCPS 2.2.x VMCPS 1.4.x

Payment application doesn't contain more than one AID
4.3.41 DE.7.001.00
Test description To ensure that the Application Reference Currency length and values are correct (if present).


Application Reference Currency (tag '9F 3B') is not present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.42 DE.7.002.01
Verdict Passed
Test description To ensure that Application Reference Currency (tag '9F3B') is not present for VIS 1.4.1, VIS 1.5
and VIS 1.6

▤ Tag 9F 3B: Application Reference Currency : <not

present>
✔ DE.7.002.01.860 Passed. (Related Failure/Observation/Warning Message: Shall not

be present as not supported in this version of VIS.)
4.3.43 DE.8.001.00
Test description To ensure that the length of the Application Reference Currency(ies) Exponent is correct.


Application Reference Currency Exponent (tag '9F 43') is not present
4.3.44 DE.8.002.01
Verdict Passed
Test description To ensure that Application Reference Currency Exponent (tag '9F43') is not present for VIS
1.4.1, VIS 1.5 and VIS 1.6.

▤ Tag 9F 43: Application Reference Currency Exponent : <not

present>

4.3.45 DE.9.001.00
Verdict Passed
Test description To ensure that the Application Version Number is present and formatted correctly.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


▤ VIS 1.6.0
✔ Application Version Number has valid length 2 bytes

Length.)
4.3.46 DE.9.002.00
Test description To ensure that the Application Version Number contains a valid value for VIS 1.4.1.

Specification: VIS 1.4.1

Test is not applicable on VIS 1.6.x card products
Test is not applicable on VCPS 2.2.x card products
4.3.47 DE.9.002.01
Verdict Passed
Test description To ensure that the Application Version Number contains a valid value for VIS 1.5.x. and VIS 1.6.
x


▤ VIS 1.6.0
✔ DE.9.002.01.12 Passed. (Related Failure/Observation/Warning Message: Incorrect
value.)
4.3.48 DE.10.002.00
Verdict Passed
Test description To ensure that Card Risk Management Data Object List 1 (CDOL1) is formatted correctly and
contains the mandatory data elements.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Tag 8C : Card Risk Management Data Object List 1 (CDOL1) : 9F 02

06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04
▤ Tag( 1) = 9F 02 [Transaction Amount]
▤ Tag : 9F 02
▤ Length: 06
▤ Name : Transaction Amount
▤ Tag( 2) = 9F 03 [Cashback Amount]
▤ Tag : 9F 03
▤ Length: 06
▤ Name : Cashback Amount
▤ Tag( 3) = 9F 1A [Terminal Country Code]
▤ Tag : 9F 1A
▤ Length: 02
▤ Name : Terminal Country Code
▤ Tag( 4) = 95 [Terminal Verification Results (TVR)]
▤ Tag : 95
▤ Length: 05
▤ Name : Terminal Verification Results (TVR)
▤ Tag( 5) = 5F 2A [Transaction Currency Code]
▤ Tag : 5F 2A
▤ Length: 02
▤ Name : Transaction Currency Code
▤ Tag( 6) = 9A [Transaction Date]
▤ Tag : 9A
▤ Length: 03
▤ Name : Transaction Date
▤ Tag( 7) = 9C [Transaction Type]
▤ Tag : 9C
▤ Length: 01
▤ Name : Transaction Type
▤ Tag : 9F 37
▤ Length: 04
✔ CDOL1 has valid length
✔ Tag '9F 02' present in the CDOL1
✔ Tag '9F 1A' present in the CDOL1
✔ Tag '95' present in the CDOL1
✔ Tag '9A' present in the CDOL1
✔ Tag '9C' present in the CDOL1
✔ Tag 9F 02 has valid length of the 6 bytes

✔ Tag 9F 1A has valid length of the 2 bytes
✔ Tag 95 has valid length of the 5 bytes
✔ Tag 9A has valid length of the 3 bytes
✔ Tag 9C has valid length of the 1 bytes

mandatory data element Card Risk Management Data Object List 1 (CDOL1) ('8C'))
Length.)
correct.)
✔ DE.10.002.00.77 Passed. (Related Failure/Observation/Warning Message: Mandatory
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

tag elements (Amount Authorized, Amount, Other, Terminal Country Code, Terminal
Verification Result, Transaction Currency Code, Transaction Date, Transaction Type
and Unpredictable Number) shall be present in Card Risk Management Data Object List
1 (CDOL1) (Tag '8C').)
✔ DE.10.002.00.79 Passed. (Related Failure/Observation/Warning Message: Length of
associated tags in the Card Risk Management Data Object List 1 (CDOL1, tag '8C') and
Card Risk Management Data Object List 2 (CDOL2, tag '8D') shall be correct.)
4.3.49 DE.11.002.00
Verdict Passed
Test description To ensure that Card Risk Management Data Object List 2 (CDOL2, tag '8D') is formatted
correctly and contains the mandatory data elements for Cryptogram Version Number 10 ('0A')
when Issuer Authentication is supported using the EXTERNAL AUTHENTICATE command.

▤ AIP (tag '82') indicates that Issuer Authentication is supported using the
EXTERNAL AUTHENTICATE command
▤ Tag 8D : Card Risk Management Data Object List 2 (CDOL2) : 8A 02
9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04
▤ Tag( 1) = 8A [Authorization Response Code]
▤ Tag : 8A
▤ Length: 02
▤ Name : Authorization Response Code
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 03
▤ Length: 06
▤ Tag : 9F 1A
▤ Length: 02
▤ Tag : 95
▤ Length: 05
▤ Tag : 5F 2A
▤ Length: 02
▤ Tag : 9A
▤ Length: 03
▤ Tag : 9C
▤ Length: 01
▤ Tag : 9F 37
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Tag : 9F 37
▤ Length: 04
✔ CDOL2 has valid length
✔ Tag '95' present in the CDOL2
✔ Tag '9C' present in the CDOL2

✔ Tag 95 has valid length of the 5 bytes
✔ Tag 9C has valid length of the 1 bytes

mandatory data element Card Risk Management Data Object List 2 (CDOL2) ('8D'))
Length.)
tag elements (Authorization Response Code, Amount Authorized, Amount, Other,
Terminal Country Code, Terminal Verification Result, Transaction Currency Code,
Transaction Date, Transaction Type and Unpredictable Number) shall be present in
Card Risk Management Data Object List 2 (CDOL2, tag '8D') for Cryptogram Version
Number 10 ('0A').)
✔ DE.11.002.00.79 Passed. (Related Failure/Observation/Warning Message: Length of
associated tags in the Card Risk Management Data Object List 1 (CDOL1, tag '8C') and
Card Risk Management Data Object List 2 (CDOL2, tag '8D') shall be correct.)
4.3.50 DE.11.002.01
correctly and contains the mandatory data elements for Cryptogram Version Number 18 or
'22' when Issuer Authentication is supported.

▤ Tag 9F 10: Issuer Application Data [VIS 1.6] : 06 01

0A 03 A0 A0 02
▤ VISA Discretionary Data : 06 01 0A 03 A0 A0 02
▤ Length Indicator = 06
▤ Derivation Key Index = 01
▤ Cryptogram Version Number = 0A
▤ Card Verification Results (CVR) = 03 A0 A0 02
▤ Byte 1 bit 8-1 = 00000011 Length indicator ('03')
▤ Byte 2 bit 8-7 = 10 AC returned in 2nd GENERATE AC: Not requested
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 6-5 = 10 AC returned in 1st GENERATE AC: ARQC
bit 4 = 0 Issuer Authentication successfull or not performed
bit 3 = 0 Offline PIN verification not performed
bit 2 = 0 Offline PIN verification passed or not performed
bit 1 = 0 Able to go online or offline transaction
▤ Byte 3 bit 8 = 1 Last online transaction not completed
bit 7 = 0 PIN Try Limit not exceeded
bit 6 = 1 Exceeded velocity checking counters
bit 5 = 0 No new card
bit 4 = 0 Issuer Authentication successful on last online
transaction or not performed
bit 3 = 0 Issuer Authentication performed after online
authorization or offline transaction
bit 2 = 0 Application not blocked by card
bit 1 = 0 RFU for VIS 1.6
▤ Byte 4 bit 8-5 = 0000 Number of Issuer Script Commands : '0'
bit 4 = 0 Issuer Script processing passed
bit 3 = 0 Offline dynamic data authentication passed or was
not performed on last transaction
bit 2 = 1 Offline dynamic data authentication performed
bit 1 = 0 PIN verification command received for a PIN-
Expecting card or card does not expect PIN (i.e. Offline PIN verification not
supported)
4.3.51 DE.11.002.02
Test description To ensure that Card Risk Management Data Object List 2 (CDOL2) is formatted correctly and
contains the mandatory data elements for Cryptogram Version Number 18 or '22' when Issuer
Authentication is not supported.


Issuer Authentication is supported
4.3.52 DE.11.002.03
correctly and contains the mandatory data elements for Cryptogram Version Number 10 ('0A')
when Issuer Authentication is supported (the Issuer Authentication Indicator (tag '9F56') is
present) and the AIP (tag '82') indicates that Issuer Authentication is not supported using the
EXTERNAL AUTHENTICATE command.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

0A 03 A0 A0 02
supported)
bit 2 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
AIP (tag '82') indicates that Issuer Authentication is supported using the
EXTERNAL AUTHENTICATE command
4.3.53 DE.12.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Cardholder Name has the correct length and format (if present).

▤ Tag 5F 20: Cardholder Name : 41 52

54 55 52 2F 47 48 41 5A 41 52 59 41 4E 20 20 20 20 20 20 20 20 20 20 20
▤ Text value = ARTUR/GHAZARYAN
✔ Cardholder Name has valid length
✔ Cardholder Name has valid format

Length.)
correct.)
4.3.54 DE.13.001.00
Verdict Passed
Test description To ensure that the CVM List is present and formatted correctly.


00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02
▤ Amount X = 00 00 00 00
▤ Amount Y = 00 00 00 00
unsuccessful))
unsuccessful)
unsuccessful)
unsuccessful)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

unsuccessful))
unsuccessful))
✔ CVM List has valid length

mandatory data element Cardholder Verification Method (CVM) List ('8E'))
Length.)
4.3.55 DE.13.002.00
Test description To ensure the Application Currency Code is present (when applicable).


CVM List does not specify amount checks in CVM conditions
4.3.56 DE.13.003.00
Test description To ensure that the CVM List on a PLUS card only contains Online PIN.


4.3.57 DE.13.004.00
Test description To ensure that the CVM List on a DPA application contains Offline Plaintext PIN.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.3.58 DE.14.001.00
Verdict Passed
Test description To ensure that the Cryptogram Information Data is present and contains a valid length.

First Generate AC response:

▤ Cryptogram Information Data: 80
Second Generate AC response:


mandatory data element ('9F 27'))
Length.)
4.3.59 DE.14.002.00
Verdict Passed
Test description To ensure that the Cryptogram Information Data (tag '9F27') contains the correct values

First Generate AC response:

Second Generate AC response:


✔ DE.14.002.00.7 Passed. (Related Failure/Observation/Warning Message: RFU value
shall not be used.)
✔ DE.14.002.00.89 Passed. (Related Failure/Observation/Warning Message: Cryptogram
Information Data (Tag '9F27') most significant nibble value shall be 0, 4 or 8.)
✔ DE.14.002.00.90 Passed. (Related Failure/Observation/Warning Message: AAR (Bit 8
and 7 of CID is set) is an invalid cryptogram type for the Visa cards.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.60 DE.17.001.00
Verdict Passed
Test description When DDA Data Object List (DDOL) is present, ensure it contains the mandatory data element
(Unpredictable Number)

• Card supports DDA or CDA

04
▤ Tag : 9F 37
▤ Length: 04
data element Tag '9F37' (Unpredictable Number) shall be present in the Dynamic Data
Authentication Data Object List (DDOL) (Tag '9F49') if DDA is supported.)
4.3.61 DE.17.002.00
Verdict Passed
Test description To ensure that the DDA Data Object List (DDOL) is formatted correctly (if present)


04
▤ Tag : 9F 37
▤ Length: 04
correct.)
4.3.62 DE.17.003.00
Test description To check that the DDA Data Object List (DDOL) is not present when not required (if DDA and
CDA are not supported)


Card supports DDA or CDA.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.63 DE.17.004.00
Verdict Passed
Test description To check that the DDOL (if present) only contains known data elements


04
▤ Tag : 9F 37
▤ Length: 04
✔ DE.17.004.00.4 Passed. (Related Failure/Observation/Warning Message: List
containing unknown tag (will be zero filled by the terminal).)
4.3.64 DE.20.001.00
Test description To ensure the ICC PIN Encipherment Public Key Certificate is present (when applicable)


Offline Enciphered PIN not supported with a dedicated ICC PIN Encipherment Key.
4.3.65 DE.20.002.00
Verdict Passed
Test description To check that the ICC PIN Encipherment Public Key Certificate is not present (when not
required)

• Offline Enciphered PIN not supported with a dedicated ICC PIN Encipherment Key
▤ Tag 9F 2D: ICC PIN Encipherment Public Key Certificate : <not
present>
✔ DE.20.002.00.65 Passed. (Related Failure/Observation/Warning Message: Since the
Offline Enciphered PIN verification is not used in any of the Cardholder
Verification Rules listed in the CVM List, the ICC PIN Encipherment Public Key
Exponent is not required to be personalized on this card.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.66 DE.20.003.00
Test description To ensure that all data elements required to retrieve the ICC PIN Encipherment Public Key are
present (when applicable)


4.3.67 DE.20.004.00
Test description To ensure that the ICC PIN Encipherment Public Key Certificate is equal to the length of the
Issuer Public Key Modulus (when applicable)


ICC PIN Encipherment Public Key Certificate (Tag '9F2D') is not present
4.3.68 DE.20.005.00
Test description To check that the length of the ICC PIN Encipherment Public Key is a multiple of 16 so that the
card may be accepted at all terminals when applicable


4.3.69 DE.20.006.00
Test description To ensure that the ICC PIN Encipherment Public Key Remainder is present and has the correct
length (when applicable)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


ICC PIN Encipherment Public Key Remainder (Tag '9F2F') is not present
4.3.70 DE.20.007.00
Test description To check that the ICC PIN Encipherment Public Key Remainder is not present when not
required (if the entire public key fits into the certificate)


4.3.71 DE.21.001.00
Test description To ensure that the length and value of the ICC PIN Encipherment Public Key Exponent are
correct (when applicable)


4.3.72 DE.21.002.00
Verdict Passed
Test description To ensure that the ICC PIN Encipherment Public Key Exponent is not present (when not
required)

• Offline Enciphered PIN not supported with a dedicated ICC PIN Encipherment Key
▤ Tag 9F 2E: ICC PIN Encipherment Public Key Exponent : <not
present>
✔ DE.21.002.00.66 Passed. (Related Failure/Observation/Warning Message: Since the
ICC PIN Encipherment public key is not longer than the data retrieved from the
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
certificate, the ICC PIN Encipherment Public Key Remainder is not required to be
4.3.73 DE.21.003.00
Test description To check that the ICC PIN Encipherment Public Key Exponent is the recommended value so as
to avoid long transaction times when applicable


ICC PIN Encipherment Public Key Exponent not present.
4.3.74 DE.22.001.00
Verdict Passed
Test description To ensure Issuer Action Code - Default is present and formatted correctly in the READ RECORD
Response

▤ Tag 9F 0D: Issuer Action Code - Default : B8 60

AC 88 00
▤ Byte 1 bit 8 = 1 Reject if unable to process online and if Offline data
authentication was not performed
bit 7 = 0 Do not reject if unable to process online and if Offline
static data authentication failed
bit 6 = 1 Reject if unable to process online and if ICC data
missing
bit 5 = 1 Reject if unable to process online and if Card appears on
terminal exception file
bit 4 = 1 Reject if unable to process online and if Offline dynamic
data authentication failed
bit 3 = 0 Do not reject if unable to process online and if Combined
DDA/AC Generation failed
bit 2 = 0 Do not reject if unable to process online and if SDA
selected
bit 1 = 0 RFU
▤ Byte 2 bit 8 = 0 Do not reject if unable to process online and if ICC and
terminal have different application versions
bit 7 = 1 Reject if unable to process online and if Expired
application
bit 6 = 1 Reject if unable to process online and if Application not
yet effective
bit 5 = 0 Do not reject if unable to process online and if
Requested service not allowed for card product
bit 4 = 0 Do not reject if unable to process online and if New card
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 1 = 0 RFU
▤ Byte 3 bit 8 = 1 Reject if unable to process online and if Cardholder
verification was not successful
Unrecognised CVM
bit 6 = 1 Reject if unable to process online and if PIN Try Limit
exceeded
bit 5 = 0 Do not reject if unable to process online and if PIN
entry required and PIN pad not present or not working
bit 4 = 1 Reject if unable to process online and if PIN entry
required, PIN pad present, but PIN was not entered
bit 3 = 1 Reject if unable to process online and if Online PIN
entered
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 4 bit 8 = 1 Reject if unable to process online and if Transaction
exceeds floor limit
bit 7 = 0 Do not reject if unable to process online and if Lower
consecutive offline limit exceeded
bit 6 = 0 Do not reject if unable to process online and if Upper
Transaction selected randomly for online processing
bit 4 = 1 Reject if unable to process online and if Merchant forced
transaction online
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8 = 0 Do not reject if unable to process online and if Default
TDOL used
bit 7 = 0 Do not reject if unable to process online and if Issuer
authentication was unsuccessful
bit 6 = 0 Do not reject if unable to process online and if Script
processing failed before final GENERATE AC
processing failed after final GENERATE AC
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

mandatory data element Issuer Action Code - Default ('9F 0D'))
Length.)
4.3.75 DE.22.002.00
Verdict Passed
Test description To ensure Issuer Action Code - Default is configured to decline a transaction if there is an
Offline Data Authentication failure or not performed and terminal is unable to go online

• Card supports SDA or DDA or CDA
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Tag 9F 0D: Issuer Action Code - Default : B8 60
AC 88 00
bit 6 = 1 Reject if unable to process online and if ICC data
missing
selected
bit 1 = 0 RFU
application
yet effective
Requested service not allowed for card product
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Unrecognised CVM
exceeded
bit 5 = 0 Do not reject if unable to process online and if PIN
entry required and PIN pad not present or not working
entered
bit 2 = 0 RFU
bit 1 = 0 RFU
exceeds floor limit
transaction online
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
TDOL used
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ IAC - Default: byte 1 bit 8 set to 1 when ODA is supported
✔ IAC - Default: byte 1 bit 4 set to 1 when DDA is supported
✔ DE.22.002.00.115 Passed. (Related Failure/Observation/Warning Message: Issuer

Action Code - Default (Tag '9F0D') shall be configured to decline a transaction if
there is data authentication failure and terminal is unable to go online.)
4.3.76 DE.23.001.00
Verdict Passed
Test description To ensure Issuer Action Code - Denial is present and formatted correctly in the READ RECORD
Response

▤ Tag 9F 0E: Issuer Action Code - Denial : 00 10

00 00 00
▤ Byte 1 bit 8 = 0 Do not decline if Offline data authentication was not
performed
bit 7 = 0 Do not decline if Offline static data authentication
failed
bit 6 = 0 Do not decline if ICC data missing
bit 5 = 0 Do not decline if Card appears on terminal exception file
bit 4 = 0 Do not decline if Offline dynamic data authentication
failed
bit 3 = 0 Do not decline if Combined DDA/AC Generation failed
bit 2 = 0 Do not decline if SDA selected
bit 1 = 0 RFU
▤ Byte 2 bit 8 = 0 Do not decline if ICC and terminal have different
application versions
bit 7 = 0 Do not decline if Expired application
bit 6 = 0 Do not decline if Application not yet effective
bit 5 = 1 Decline if Requested service not allowed for card product
bit 4 = 0 Do not decline if New card
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 3 bit 8 = 0 Do not decline if Cardholder verification was not
successful
bit 7 = 0 Do not decline if Unrecognised CVM
bit 6 = 0 Do not decline if PIN Try Limit exceeded
bit 5 = 0 Do not decline if PIN entry required and PIN pad not
present or not working
bit 4 = 0 Do not decline if PIN entry required, PIN pad present,
but PIN was not entered
bit 3 = 0 Do not decline if Online PIN entered
bit 2 = 0 RFU
bit 1 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 1 = 0 RFU
▤ Byte 4 bit 8 = 0 Do not decline if Transaction exceeds floor limit
bit 7 = 0 Do not decline if Lower consecutive offline limit
exceeded
bit 6 = 0 Do not decline if Upper consecutive offline limit
exceeded
bit 5 = 0 Do not decline if Transaction selected randomly for
online processing
bit 4 = 0 Do not decline if Merchant forced transaction online
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8 = 0 Do not decline if Default TDOL used
bit 7 = 0 Do not decline if Issuer authentication was unsuccessful
bit 6 = 0 Do not decline if Script processing failed before final
GENERATE AC
bit 5 = 0 Do not decline if Script processing failed after final
GENERATE AC
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

mandatory data element Issuer Action Code - Denial ('9F 0E'))
Length.)
4.3.77 DE.24.001.00
Verdict Passed
Test description To ensure Issuer Action Code - Online is present and formatted correctly in the READ RECORD
Response

▤ Tag 9F 0F: Issuer Action Code - Online : B8 68

BC 98 00
▤ Byte 1 bit 8 = 1 Go online if Offline data authentication was not performed
bit 7 = 0 Do not go online if Offline static data authentication
failed
bit 6 = 1 Go online if ICC data missing
bit 5 = 1 Go online if Card appears on terminal exception file
bit 4 = 1 Go online if Offline dynamic data authentication failed
bit 3 = 0 Do not go online if Combined DDA/AC Generation failed
bit 2 = 0 Do not go online if SDA selected
bit 1 = 0 RFU
▤ Byte 2 bit 8 = 0 Do not go online if ICC and terminal have different
bit 7 = 1 Go online if Expired application
bit 6 = 1 Go online if Application not yet effective
bit 5 = 0 Do not go online if Requested service not allowed for
card product
bit 4 = 1 Go online if New card
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 3 bit 8 = 1 Go online if Cardholder verification was not successful
bit 7 = 0 Do not go online if Unrecognised CVM
bit 6 = 1 Go online if PIN Try Limit exceeded
bit 5 = 1 Go online if PIN entry required and PIN pad not present
or not working
bit 4 = 1 Go online if PIN entry required, PIN pad present, but PIN
was not entered
bit 3 = 1 Go online if Online PIN entered
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 4 bit 8 = 1 Go online if Transaction exceeds floor limit
bit 7 = 0 Do not go online if Lower consecutive offline limit
exceeded
bit 6 = 0 Do not go online if Upper consecutive offline limit
exceeded
bit 5 = 1 Go online if Transaction selected randomly for online
processing
bit 4 = 1 Go online if Merchant forced transaction online
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8 = 0 Do not go online if Default TDOL used
bit 7 = 0 Do not go online if Issuer authentication was
unsuccessful
bit 6 = 0 Do not go online if Script processing failed before final
GENERATE AC
bit 5 = 0 Do not go online if Script processing failed after final
GENERATE AC
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

mandatory data element Issuer Action Code - Online ('9F 0F'))
Length.)
4.3.78 DE.24.002.00
Verdict Passed
Test description To ensure Issuer Action Code - Online is configured to go online if Offline Data Authentication
fails or is not performed


▤ Tag 9F 0F: Issuer Action Code - Online : B8 68
BC 98 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

failed
bit 1 = 0 RFU
bit 5 = 0 Do not go online if Requested service not allowed for
card product
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 5 = 1 Go online if PIN entry required and PIN pad not present
or not working
was not entered
bit 2 = 0 RFU
bit 1 = 0 RFU
exceeded
exceeded
processing
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 Do not go online if Issuer authentication was
unsuccessful
GENERATE AC
GENERATE AC
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ IAC - Online: byte 1 bit 8 set to 1 when ODA is supported
✔ IAC - Online: byte 1 bit 4 set to 1 when DDA is supported

Action Code - Online (Tag '9F0F')shall be configured to force online if there is
data authentication failure or data authentication is not performed.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.79 DE.25.001.00
Verdict Passed
Test description To ensure that the Issuer Authentication Indicator is formatted correctly and containsa valid
length (when applicable)

▤ Tag 9F 56: Issuer Authentication Indicator [VSDC] : 80

▤ Byte 1 bit 8 = 1 Issuer Authentication mandatory
bit 7-1= 0000000 RFU
✔ Issuer Authentication Indicator has valid length
✔ All RFU bits are set to 0

Length.)
4.3.80 DE.25.002.00
Verdict Passed
Test description To ensure that the Application Default Action (tag '9F52) is configured not to decline
transaction if no ARPC is received if Issuer Authentication Indicator (tag '9F56') is set to
mandatory

• Issuer Authentication Indicator (Tag '9F56') is set to mandatory

▤ Tag 9F 52: Application Default Action [VSDC VIS 1.6] : 82 38
00 00 00 00
▤ Byte 1 bit 8 = 1 If Issuer Authentication failure, transmit next
transaction online
bit 7 = 0 No action required if Issuer Authentication performed and
failed
bit 6 = 0 No action required if Issuer Authentication is mandatory
and no ARPC received
bit 5 = 0 No action required if transaction declined offline
bit 4 = 0 No action required if PIN Try Limit exceeded on current
transaction and transaction is declined
bit 3 = 0 No action required if transaction declined because issuer
authentication failed or not performed
bit 2 = 1 If new card, transmit transaction online
bit 1 = 0 No action required if new card and unable to transmit
transaction online
▤ Byte 2 bit 8 = 0 Application is not blocked if PIN Try Limit exceeded on
current transaction
bit 7 = 0 Transaction is not declined if PIN Try Limit exceeded on
previous transaction
bit 6 = 1 If PIN Try Limit exceeded on previous transaction,
transmit transaction online
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

decline if unable to transmit transaction online
bit 4 = 1 If issuer script failed on a previous transaction
bit 3 = 0 If PIN Try Limit exceeded on previous transaction, no
action required to decline the current transaction and block the application
bit 2 = 0 Reset CTTA to zero during GENERATE AC
bit 1 = 0 Reset VLP Available Funds to VLP Funds Limit during
GENERATE AC
▤ Byte 3 bit 8 = 0 Include offline approved transactions in the transaction
log
bit 7 = 0 Include online approved transactions in the transaction
log
bit 6 = 0 Do not include declined transactions in the transaction
log
bit 5 = 0 Do not reset VLP Available Funds to VLP Funds Limit when
offline PIN is successfully verified
bit 4 = 0 Count declined transactions
bit 3 = 0 Do not use Issuer Script MAC Chaining Option
bit 2 = 0 Issuer Script Command Counter is not cyclic
bit 1 = 0 CTCI does not count non-matching country code
transactions
▤ Byte 4 bit 8 = 0 Do not use Default Update Counters in ADA if CSU is
generated by a proxy (RFU bit for card with CVN 10)
bits 7-6 = 00 Do not update velocity-checking counters (RFU bits for
card with CVN 10)
bit 5 = 0 Padding method 80 not supported for IDD MACing
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
bit 4 = 0 If Offline PIN verification not performed or not
successful, no action required to send transaction online
bit 3 = 0 If Offline PIN verification not performed, no action
required to decline if unable to transmit transaction online
bit 2 = 0 If Offline PIN verification not successful, no action
bit 1 = 0 Secure Messaging not uses EMV Session key-based
derivation
▤ Byte 6 bit 8 = 0 CDCVM not Supported
bit 7-1 = 0000000 RFU
✔ ADA Byte 1 Bit 6 is set to 0
✔ DE.25.002.00.190 Passed. (Related Failure/Observation/Warning Message: Both

Application Default Action (tag '9F52') byte 1 bit 6 and Issuer Authentication
Indicator (tag '9F56') byte 1 bit 8 should not be set to 1b at the same time.)
4.3.81 DE.25.003.00
Verdict Passed
Test description To check that the Issuer Authentication Indicator is present when Issuer Authentication is
supported using the EXTERNAL AUTHENTICATE command

• Issuer Authentication supported (AIP, Byte 1, bit 3 is set to 1)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
• Issuer Authentication supported (AIP, Byte 1, bit 3 is set to 1)

• Cryptogram Version Number is 10 ('0A')
▤ Tag 9F 56: Issuer Authentication Indicator [VSDC] : 80
bit 7-1= 0000000 RFU
✔ DE.25.003.00.929 Passed. (Related Failure/Observation/Warning Message: Since

Issuer Authentication is supported, the Issuer Authentication Indicator must be
4.3.82 DE.26.002.00
Verdict Passed
Test description To ensure that the Issuer Country Code is present, is correctly formatted, and contains a valid
value (when applicable)

Specification: VIS 1.4.1 VIS 1.5.x VIS 1.6.x VCPS 2.0.2 VCPS 2.1.x VCPS 2.2.x
• Application Usage Control tag '9F07' is present.

✔ Issuer Country Code length is 2 bytes

Length.)
ISO3166 value.)
Country Code (Tag '5F28') shall be present if Application Usage Control (Tag '9F07')
is present.)
4.3.83 DE.26.003.00
Verdict Passed
Test description To ensure that if the Issuer Country Code is present, it matches the value of the Issuer Country
Code (Visa proprietary data element)


▤ Tag 9F 57: Issuer Country Code [VSDC] : 00 51
Country Code (Tag '5F28') shall match the value of Visa Issuer Country Code (Tag
'9F57').)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.84 DE.26.004.00
Test description To ensure that the Issuer Country Code is not present when not required (i.e., when the
Application Usage Control is not present)


Application Usage Control tag '9F07' is present.
4.3.85 DE.26.005.00
Test description To check that the Issuer Country Code matches the Application Currency Code (if present)


Application Currency Code (Tag '9F42') is not present.
4.3.86 DE.29.001.00
Test description To ensure that the format of the Issuer URL is correct (if present)


Issuer URL tag '5F50' is not present.
4.3.87 DE.30.001.00
Test description To ensure Lower Consecutive Offline Limit is the correct length

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Lower Consecutive Offline Limit tag '9F14' is not present.
4.3.88 DE.30.002.00
Test description To ensure that the Lower Consecutive Offline Limit value is not greater/higher than the Upper
Consecutive Offline Limit


Lower Consecutive Offline Limit tag '9F14' is not present.
Upper Consecutive Offline Limit tag '9F23' is not present.
4.3.89 DE.30.003.00
Verdict Passed
Test description To check that both the Lower Consecutive Offline Limit and Upper Consecutive Offline Limit
are present

▤ Tag 9F 14: Lower Consecutive Offline Limit : <not

present>
▤ Tag 9F 23: Upper Consecutive Offline Limit : <not
present>
✔ DE.30.003.00.71 Passed. (Related Failure/Observation/Warning Message: Both the
Lower Consecutive Offline Limit (Tag '9F14') and the Upper Consecutive Offline Limit
(Tag '9F23') should be present.)
4.3.90 DE.30.004.01
Test description To check that the Lower Consecutive Offline Limit is not present when the Lower Consecutive
Offline Limit (Visa proprietary data element) is present

• LCOL (Visa proprietary data element) (Tag '9F58') is present.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.91 DE.30.004.02
Verdict Passed
Test description To check that the Lower Consecutive Offline Limit is not present when the Consecutive
Transaction Counter Limit (CTCL) is present

• Card supports Consecutive Transactions Lower Limit Check

▤ Tag 9F 14: Lower Consecutive Offline Limit : <not
present>
✔ DE.30.004.02.86 Passed. (Related Failure/Observation/Warning Message: LCOL (Tag

'9F14') should not be present if CTCL (Tag '9F58' or 'DF21 in BF56') is present.)
4.3.92 DE.30.005.01
Test description To check that the values of the two Lower Consecutive Offline Limits match and the value is
not higher than the Visa recommended value


LCOL (Tag '9F14') is not present.
4.3.93 DE.30.005.02
Test description To check that the values of the two Lower Consecutive Offline Limits match and the value is
not higher than the Visa recommended value


LCOL (Tag '9F14') is not present.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.94 DE.31.001.00
Verdict Passed
Test description To ensure the correct structure of the Template Format 1 value (when applicable).

▤ GPO Response:
▤ Tag 80 : Response Message Template Format 1 : 3C 00
08 02 02 00 10 01 02 00 28 01 03 01

Length.)
4.3.95 DE.33.001.00
Verdict Passed
Test description To ensure that the Service Code is formatted correctly (if present)

▤ Tag 5F 30: Service Code : 02 21

▤ Position 1 (2): Interchange: International; Technology: ICC
▤ Position 2 (2): Authorization processing: By Issuer
▤ Position 3 (1): Range of services: No restrictions; PIN requirements: -
✔ Service Code length is valid
✔ Service Code has valid format

Length.)
correct.)
4.3.96 DE.33.002.00
Verdict Passed
Test description To ensure that the Service Code is coded with valid values (if present)

▤ Tag 84 : Dedicated File (DF) Name : A0 00

00 00 03 10 10
▤ Tag 5F 30: Service Code : 02 21
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ DE.33.002.00.124 Passed. (Related Failure/Observation/Warning Message: Service

Code (Tag '5F30') shall be coded with valid values according to the Payment
Technology Standards Manual.)
4.3.97 DE.34.001.00
Verdict Passed
Test description To ensure that the Signed Dynamic Application Data (SDAD) is present in the INTERNAL
AUTHENTICATE response (if DDA is supported)


▤ Internal Authenticate response: 80 81 80 49 7E CF BA 58 A3 EF 3B 0B 59 E5 BF 82 D3
65 93 67 40 D2 37 6C 74 1D FC 22 D0 3B 29 98 E5 48 12 CE 13 F8 02 40 40 97 13 06 DF
DD D0 6B AF 33 8F F7 BA 47 F8 DE 27 14 62 60 9E 41 DC BE 16 6A 68 23 07 C1 A9 57 03
68 13 99 80 B2 39 6B 0F A8 DC 47 F6 40 51 24 A4 F4 B9 A4 3A 08 CD 93 A0 1C AD 24 73
21 DD 85 B8 ED BD 0C 2B 57 0D 7B CF 27 74 E2 33 0E C5 03 CC 5F 81 01 12 58 AB 55 77
9C FE 90 00

Data Element shall be present if DDA is supported.)
4.3.98 DE.34.001.01
Test description To ensure that Signed Dynamic Application Data (SDAD) is present in the GENERATE AC
response (if CDA is supported)


Card does not support CDA.
4.3.99 DE.34.002.00
Verdict Passed
Test description To ensure that the length of the Signed Dynamic Application Data is the same as the length of
the ICC Public Key Modulus (when applicable)

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99
C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
• Length of ICC Public Key Modulus : 128
• Length of Signed Dynamic Application Data in Internal Authenticate Response: 128
✔ DE.34.002.00.96 Passed. (Related Failure/Observation/Warning Message: Signed

Dynamic Application Data (Tag '9F4B') length shall be the same the ICC Public Key
Modulus length.)
4.3.100 DE.34.003.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Signed Dynamic Application Data (SDAD) is not present when not required
(i.e., when DDA and CDA are not supported)

• CDA is not supported.

▤ Tag 9F 4B: Signed Dynamic Application Data : <not
present>
✔ DE.34.003.00.207 Passed. (Related Failure/Observation/Warning Message: Since DDA

is not supported, the Signed Dynamic Application Data should not appear in the
application.)
4.3.101 DE.35.001.00
Test description To ensure that the Signed Static Application Data (SSAD) is present when SDA is supported


Card does not support SDA.
4.3.102 DE.35.002.00
Test description To check that all recommended data elements are included in the signature generation

Specification: VIS 1.4.1 VIS 1.5.x

4.3.103 DE.35.002.01
Verdict Passed
Test description If SDA Tag List is present, ensure it is included in the signature generation

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Tag 9F 4A: Static Data Authentication Tag List : 82

▤ SDA Tag(1) = 82 [Application Interchange Profile [VIS]]
▤ Tag : 82
▤ Name : Application Interchange Profile [VIS]
✔ DE.35.002.01.379 Passed. (Related Failure/Observation/Warning Message: SDA Tag

List ('9F4A') must be included in the signature generation if offline data
authentication is supported.)
4.3.104 DE.35.002.02
Verdict Warning
Test description To ensure that all recommended data elements are included in the signature generation


✔ DE.35.002.02.77 Passed. (Related Failure/Observation/Warning Message: Data
elements recommended for inclusion in the signature are not present Application
Effective Date ('5F 25'))
Expiration Date ('5F 24'))
elements recommended for inclusion in the signature are not present Application PAN
('5A'))
elements recommended for inclusion in the signature are not present Application PAN
Sequence Number ('5F 34'))
Usage Control ('9F 07'))
elements recommended for inclusion in the signature are not present Cardholder
Verification Method (CVM) List ('8E'))
elements recommended for inclusion in the signature are not present Issuer Action
Code - Default ('9F 0D'))
Code - Denial ('9F 0E'))
Code - Online ('9F 0F'))
elements recommended for inclusion in the signature are not present Issuer Country
Code ('5F 28'))
! DE.35.002.02.77 Warning: Data elements recommended for inclusion in the signature
are not present CDOL1 ('8C')
! DE.35.002.02.77 Warning: Data elements recommended for inclusion in the signature
are not present CDOL2 ('8D')
elements recommended for inclusion in the signature are not present SDA Tag List
('9F 4A'))
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Interchange Profile ('82'))
4.3.105 DE.35.002.03
Verdict Passed
Test description To ensure that all mandatory data elements are included in the signature generation if offline
data authentication is supported


mandatory data element Static Data Authentication Tag List ('9F 4A'))
mandatory data element Application Interchange Profile [VIS] ('82'))
4.3.106 DE.35.003.00
Test description To ensure that the length of Signed Static Application Data (SSAD) is the same as the length of
the Issuer Public Key Modulus


Card does not support SDA.
SSAD (Tag '93') is not present.
4.3.107 DE.37.001.00
Verdict Passed
Test description To ensure that the Transaction Certificate Data Object List (TDOL, tag '97') is not present (or
used) if the Cryptogram Version Number is 10 ('0A'), 18 ('12') or '22'

• Cryptogram Version Number is 10 ('0A'), 18 ('12') or '22'

▤ Tag 97 : Transaction Certificate Data Object List (TDOL) : <not
present>
✔ DE.37.001.00.133 Passed. (Related Failure/Observation/Warning Message:
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Transaction Certificate Data Object List (TDOL) (tag '97') shall not be present (or
used) if Cryptogram Version Number is 10 ('0A'), 12 ('0C'), 18 ('12') or '22'.)
4.3.108 DE.37.002.00
Test description To check that the Transaction Certificate Data Object List (TDOL) contains known data
elements only (if present)


TDOL (tag '97') is not present
4.3.109 DE.38.001.00
Test description To ensure that the Upper Consecutive Offline Limit is the correct length


UCOL (Tag '9F23') is not present
4.3.110 DE.38.004.01
Test description To check that the Upper Consecutive Offline Limit is not present when the Upper Consecutive
Offline Limit (Visa Proprietary Data) is present

• UCOL (Visa proprietary data element) (Tag '9F59') is present.

4.3.111 DE.38.004.02
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To check that the Upper Consecutive Offline Limit is not present when the Consecutive
Transaction Counter Upper Limit (CTCUL) is present

• Card supports Consecutive Transactions Upper Limit Check

▤ Tag 9F 23: Upper Consecutive Offline Limit : <not
present>
✔ DE.38.004.02.120 Passed. (Related Failure/Observation/Warning Message: UCOL (Tag

'9F23') should not be present if CTCUL (Tag '9F59' or 'DF31 in BF56') is present.)
4.3.112 DE.38.005.00
Test description To check that the Upper Consecutive Offline Limit is not too low


UCOL (Tag '9F23') is not present
4.3.113 DE.38.005.01
Verdict Passed
Test description To check that the Consecutive Transaction Counter Upper Limit is not too low

▤ Consecutive Transaction Counter Limit tag '9F59' or 'DF31' in 'BF56': 03
✔ DE.38.005.01.99 Passed. (Related Failure/Observation/Warning Message: CTCUL (Tag

'9F59' or 'DF31 in BF56') is too low.)
4.3.114 DE.39.001.00
Test description To ensure that if Card Production Life Cycle (CPLC) History File Identifiers is present, its length
and format is correct.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.3.115 DE.40.001.00
Test description To ensure that the Geographic indicator is formatted correctly, if present.


Geographic indicator (tag '9F 55') is not present.
4.3.116 DE.40.002.00
Test description To ensure that the Issuer Country Code (tag '9F57') is present, if the Geographic indicator is
different from 'C0'

▤ Tag 9F 55: Unknown Data Element : <not

present>

4.3.117 DE.40.003.00
Test description To ensure that the Geographic Indicator is consistent with Application Usage Control (tag
'9F07').


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.3.118 DE.42.001.00
Verdict Passed
Test description To ensure that, if present, Track 1 Discretionary Data has a valid format

▤ Tag 9F 1F: Track 1 Discretionary Data : 31 37

37 31 36 30 30 30 30 30 30 30 30 30 30 38 38 30 30 30 30 30 30 30
✔ DE.42.001.00.805 Passed. (Related Failure/Observation/Warning Message: Not coded

according to ISO/IEC 7813.)
✔ DE.42.001.00.807 Passed. (Related Failure/Observation/Warning Message: Not coded
according to the Payment Technology Standards Manual.)
4.3.119 DE.43.001.00
Verdict Passed
Test description To ensure that Track 2 Discretionary Data is not present, as it is not supported in the covered
VIS versions.

▤ Tag 9F 20: Track 2 Discretionary Data : <not

present>

4.3.120 DE.54.001.00
Test description To ensure that if the Issuer Authentication Indicator (IAI, tag '9F56') is not personalized, then
Application Interchange Profile (AIP, tag '82') must not indicate "Issuer Authentication
supported using the EXTERNAL AUTHENTICATE command".


Issuer Authentication Indicator tag '9F56' is present.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.121 DE.54.002.00
Test description To ensure that if the Issuer Authentication Indicator (IAI, tag '9F56') is not personalized, if card
is online-only


Card is different from online-only
4.3.122 DP.1.001.00
Test description To ensure that the Issuer Authentication Flags (IAF) are correctly formatted (if present).


IAF (tag '9F55') is not present
4.3.123 DP.2.001.00
Test description To ensure that the Issuer Proprietary Bitmap is present and has an allowed length.


4.3.124 DP.2.002.00
Test description To ensure that the Issuer Application Data bits of the Issuer Proprietary Bitmap are all set to
zero.

Specification: VIS 1.4.1 VIS 1.5.x VMCPS 1.4.x
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Card does not support Dynamic Passcode
4.3.125 DP.900.001.00
Test description To ensure that the Application PAN (if present) is the same between the Visa payment
application and the Dynamic Pass Code Authentication application.


4.3.126 DP.902.001.00
Test description To ensure that the Offline PIN is the same between the Visa payment application and the
Dynamic Pass Code Authentication application.


4.3.127 DP.902.002.00
Test description To ensure that the Visa DPA application supports 'Offline Plaintext PIN' in the CVM List.


4.3.128 DS.1.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To check that all Visa Proprietary Data Elements are retrievable through GET DATA command
only and not through any other commands (e.g. READ RECORD).

✔ Tag: 9F 52, Application Default Action [VSDC VIS 1.6] retrievable with GET DATA
✔ Tag: 9F 51, Application Currency Code [VSDC] retrievable with GET DATA
✔ Tag: 9F 53, Consecutive Transaction Limit (International) [VSDC] retrievable with
GET DATA
✔ Tag: 9F 5E, Consecutive Transaction International Upper Limit [VSDC] retrievable
with GET DATA
✔ Tag: 9F 58, Consecutive Transaction Counter Limit [VSDC] retrievable with GET
DATA
✔ Tag: 9F 59, Consecutive Transaction Counter Upper Limit [VSDC] retrievable with
GET DATA
✔ Tag: 9F 5C, Cumulative Total Transaction Amount Upper Limit [VSDC] retrievable
with GET DATA
✔ Tag: 9F 57, Issuer Country Code [VSDC] retrievable with GET DATA
✔ Tag: 9F 13, Last Online Application Transaction Counter (ATC) Register
retrievable with GET DATA
✔ Tag: 9F 17, Personal Identification Number (PIN) Try Counter retrievable with GET
DATA
✔ Tag: 9F 77, VLP Funds Limit [VSDC] retrievable with GET DATA
✔ Tag: 9F 78, VLP Single Transaction Limit [VSDC] retrievable with GET DATA
✔ Tag: 9F 56, Issuer Authentication Indicator [VSDC] retrievable with GET DATA
✔ Tag: BF 56, Counters Data Template retrievable with GET DATA
✔ Tag: BF 57, International Counters Data Template retrievable with GET DATA
✔ Tag: BF 5B, Application Internal Data Template retrievable with GET DATA
✔ Tag: 9F 36, Application Transaction Counter (ATC) retrievable with GET DATA and
/or Generate AC command
✔ DS.1.001.00.100 Passed. (Related Failure/Observation/Warning Message: Visa

Proprietary Data Element should be retrieved using GET DATA command.)
4.3.129 DS.2.001.00
Verdict Passed
Test description To ensure that all data elements marked as mandatory or required and retrievable through
the READ RECORD command are present and correctly formatted in the records

✔ Tag: 5F 24, Application Expiration Date is present in records

✔ Tag: 5A, Application Primary Account Number (PAN) is present in records
✔ Tag: 9F 08, Application Version Number [VIS] is present in records
✔ Tag: 8C, Card Risk Management Data Object List 1 (CDOL1) is present in records
✔ Tag: 8D, Card Risk Management Data Object List 2 (CDOL2) is present in records
✔ Tag: 8E, Cardholder Verification Method (CVM) List is present in records
✔ Tag: 9F 0D, Issuer Action Code - Default is present in records
✔ Tag: 9F 0E, Issuer Action Code - Denial is present in records
✔ Tag: 9F 0F, Issuer Action Code - Online is present in records
✔ Tag: 57, Track 2 Equivalent Data is present in records
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ Tag: 57, Track 2 Equivalent Data is present in records
✔ DS.2.001.00.301 Passed. (Related Failure/Observation/Warning Message: All the

data elements marked as Mandatory or Required and can be retrievable with READ
RECORD command and shall be present in the records of the application.)
4.3.130 DS.3.001.00
Verdict Passed
Test description To ensure that the card responds according to a READ RECORD command with a valid SFI and
Record Number, as defined in the Application File Locator (AFL).


02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ End record = 2
▤ AFL (2) = 10 01 02 00
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3
▤ SFI 01 Record 02 : 70 4D 57 13 48 89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00
00 0F 5F 20 1A 41 52 54 55 52 2F 47 48 41 5A 41 52 59 41 4E 20 20 20 20 20 20 20 20
20 20 20 9F 1F 18 31 37 37 31 36 30 30 30 30 30 30 30 30 30 30 38 38 30 30 30 30 30
30 30
▤ SFI 02 Record 01 : 70 81 FB 90 81 F8 3F 58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9
12 41 E3 4A 8F EC 8F AC 33 30 96 07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04 96
65 45 B6 33 D5 91 F4 DD F0 24 40 B7 14 DB 63 CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB
E2 37 79 2A 59 B6 D1 D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2
B3 84 44 10 15 0A 02 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3 2B 0C 5D D1 D8 5B F0
7A DF 67 7B E3 58 66 AF 91 87 D6 E6 71 0C 6C 83 E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B
67 58 7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A
FF 19 0E 14 9B 12 59 AE 2E B7 8D D4 FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66 31 3E 98
EF 14 B9 C3 2D BE 5C 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39 9D 5B D8 22 16
68 D3 3B 1B 93 7C 1D 6C 29
▤ SFI 02 Record 02 : 70 07 8F 01 09 9F 32 01 03
▤ SFI 05 Record 01 : 70 56 5F 25 03 21 05 01 5F 24 03 25 05 31 5A 08 48 89 62 00 14
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ SFI 05 Record 01 : 70 56 5F 25 03 21 05 01 5F 24 03 25 05 31 5A 08 48 89 62 00 14
09 79 20 5F 34 01 01 9F 07 02 FF 80 9F 0D 05 B8 60 AC 88 00 9F 0E 05 00 10 00 00 00
9F 0F 05 B8 68 BC 98 00 8E 14 00 00 00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03
1F 02 5F 28 02 00 51 9F 4A 01 82
▤ SFI 05 Record 02 : 70 48 5F 30 02 02 21 9F 08 02 00 A0 8C 15 9F 02 06 9F 03 06 9F
1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04 8D 17 8A 02 9F 02 06 9F 03 06 9F 1A 02 95
05 5F 2A 02 9A 03 9C 01 9F 37 04 9F 44 01 02 9F 47 01 03 9F 49 03 9F 37 04
▤ SFI 05 Record 03 : 70 81 B4 9F 46 81 B0 54 19 A5 B1 84 FE BA BE 00 7D FF 1D BA 4A
61 F3 C6 7A 79 17 0A 32 C1 FA 99 C9 E4 7A 69 E5 86 24 79 8B F6 8E F0 5E 87 7F 80 DA
2F 0B 79 EF 1C 01 BA 56 7D B6 2A 37 69 0C 9C 42 08 A8 3C DB CF 46 48 B0 9C 6A B6 84
E8 F1 19 CC 02 DA E6 55 E1 10 15 3B B3 D6 6D 10 E0 75 DE 6E 54 E9 1E E2 09 89 46 FB
FD A1 69 1D 7F B2 DB B6 70 5B C7 1A 71 92 B0 C9 F2 8B 36 C6 BF 2C 7D 65 8A 43 D5 EA
82 57 0F FA 3B E5 9C 47 A7 36 7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33
30 03 B1 1D 76 84 D8 7A 99 C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
✔ DS.3.001.00.303 Passed. (Related Failure/Observation/Warning Message: Card shall

respond to a READ RECORD command with File Number and Record Number defined in the
AFL.)
✔ DS.3.001.00.5 Passed. (Related Failure/Observation/Warning Message: Data Element
shall be encoded in TLV format.)
4.3.131 DS.4.001.00
Verdict Passed
Test description To ensure that all data elements not retrievable through the READ RECORD command are not
present in the records.

✔ Tag: 9F 26, Application Cryptogram (AC) not retrievable with READ RECORD
✔ Tag: 9F 51, Application Currency Code [VSDC] not retrievable with READ RECORD
✔ Tag: 9F 52, Application Default Action [VSDC VIS 1.6] not retrievable with READ
RECORD
✔ Tag: 94, Application File Locator (AFL) not retrievable with READ RECORD
✔ Tag: 82, Application Interchange Profile [VIS] not retrievable with READ RECORD
✔ Tag: 9F 36, Application Transaction Counter (ATC) not retrievable with READ
RECORD
✔ Tag: 9F 68, Card Additional Processes [qVSDC VCPS 2.2] not retrievable with READ
RECORD
✔ Tag: 9F 10, Issuer Application Data [VIS 1.6] not retrievable with READ RECORD
✔ Tag: 9F 53, Consecutive Transaction Limit (International) [VSDC] not retrievable
with READ RECORD
✔ Tag: 9F 5E, Consecutive Transaction International Upper Limit [VSDC] not
retrievable with READ RECORD
✔ Tag: 9F 27, Cryptogram Information Data (CID) not retrievable with READ RECORD
✔ Tag: 9F 54, Cumulative Total Transaction Amount Limit [VSDC] not retrievable with
READ RECORD
✔ Tag: 9F 5C, Cumulative Total Transaction Amount Upper Limit [VSDC] not
✔ Tag: 84, Dedicated File (DF) Name not retrievable with READ RECORD
✔ Tag: 9F 10, Issuer Application Data [VIS 1.6] not retrievable with READ RECORD
✔ Tag: 9F 11, Issuer Code Table Index not retrievable with READ RECORD
✔ Tag: 9F 57, Issuer Country Code [VSDC] not retrievable with READ RECORD
✔ Tag: 5F 2D, Language Preference not retrievable with READ RECORD
✔ Tag: 9F 13, Last Online Application Transaction Counter (ATC) Register not
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ Tag: 9F 13, Last Online Application Transaction Counter (ATC) Register not
✔ Tag: 9F 7D, Application Code Level [VSDC] not retrievable with READ RECORD
✔ Tag: 9F 58, Consecutive Transaction Counter Limit [VSDC] not retrievable with
READ RECORD
✔ Tag: 9F 17, Personal Identification Number (PIN) Try Counter not retrievable with
READ RECORD
✔ Tag: 9F 38, Processing Options Data Object List (PDOL) not retrievable with READ
RECORD
✔ Tag: 9F 4B, Signed Dynamic Application Data not retrievable with READ RECORD
✔ Tag: 9F 59, Consecutive Transaction Counter Upper Limit [VSDC] not retrievable
with READ RECORD
✔ Tag: 9F 78, VLP Single Transaction Limit [VSDC] not retrievable with READ RECORD
✔ Tag: 9F 56, Issuer Authentication Indicator [VSDC] not retrievable with READ
RECORD
✔ Tag: BF 55, Contactless Counters Data Template not retrievable with READ RECORD
✔ Tag: BF 56, Counters Data Template not retrievable with READ RECORD
✔ Tag: BF 57, International Counters Data Template not retrievable with READ RECORD
✔ Tag: BF 58, Amounts Data Template not retrievable with READ RECORD
✔ Tag: BF 5B, Application Internal Data Template not retrievable with READ RECORD
✔ DS.4.001.00.304 Passed. (Related Failure/Observation/Warning Message: Data

Elements shall not be present in the records if they are not retrievable by READ
RECORD command.)
4.3.132 DS.5.001.00
Test description To ensure that the GET PROCESSING OPTIONS response is formatted correctly.


GPO response is not using Format 2 Response Template
4.3.133 DS.5.002.00
Verdict Passed
Test description To ensure that the GET PROCESSING OPTIONS response contains the correct data (when
applicable).

▤ Tag 80 : GPO Response Message Template Format 1

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 2 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Tag 94 : Application File Locator (AFL) : 08
02 02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ End record = 2
▤ AFL (2) = 10 01 02 00
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3
✔ DS.5.002.00.305 Passed. (Related Failure/Observation/Warning Message: GET

PROCESSING OPTIONS response should only contain Application Interchange Profile and
Application File Locator.)
4.3.134 DS.6.001.00
Test description To ensure that the GENERATE AC response is formatted correctly.


GENERATE AC response is not using Format 2 Response Template
4.3.135 DS.6.001.01
Verdict Passed
Test description To ensure that the GENERATE AC response contains the correct data (when applicable)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Tag 80 : GAC Response Message Template Format 1

▤ Tag 9F 27: Cryptogram Information Data (CID) : 80
▤ Byte 1 bit 8-7 = 10 ARQC
bit 6-5 = 00 Payment System specific cryptogram
bit 4 = 0 No advice required
bit 3-1 = 000 No information given
▤ Tag 9F 36: Application Transaction Counter (ATC) : 00 06
▤ Decimal value = 6
▤ Tag 9F 26: Application Cryptogram (AC) : 27
3A 90 BF EB 41 5F 62
▤ Tag 9F 10: Issuer Application Data [VIS 1.6] : 06
01 0A 03 A0 A0 02
bit 4 = 0 Issuer Authentication successfull or not
performed
bit 3 = 0 Offline dynamic data authentication passed or
was not performed on last transaction
Expecting card or card does not expect PIN (i.e. Offline PIN verification
not supported)
▤ Tag 80 : GAC Response Message Template Format 1

▤ Byte 1 bit 8-7 = 00 AAC
▤ Tag 9F 26: Application Cryptogram (AC) : 1E
7F 30 0C 05 8E EE 21
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

01 0A 03 21 A0 02
▤ VISA Discretionary Data : 06 01 0A 03 21 A0 02
▤ Card Verification Results (CVR) = 03 21 A0 02
▤ Byte 2 bit 8-7 = 00 AC returned in 2nd GENERATE AC: AAC
performed
bit 1 = 1 Unable to go online
not supported)
✔ DS.6.001.01.306 Passed. (Related Failure/Observation/Warning Message: GENERATE AC

response should only contain Cryptogram Information Data, Application Transaction
Counter, Application Cryptogram, Issuer Application Data.)
4.3.136 ES.1.001.00
Verdict Passed
Test description To ensure that the ICC responds to the SELECT command with a valid Visa AID.


00 00 03 10 10
✔ ES.1.001.00.401 Passed. (Related Failure/Observation/Warning Message: ICC shall
respond to Select command with valid Visa AID.)
4.3.137 ES.1.002.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Test description To ensure that a card with one application does not have an AID with a suffix.


Card does not contain multiple Visa applications on contact interface
4.3.138 ES.2.001.00
Verdict Passed
Test description To ensure that the response to the explicit SELECT command is correct.

▤ FCI of ADF: 6F 37 84 07 A0 00 00 00 03 10 10 A5 2C 50 04 56 69 73 61 87 01 01 9F
38 03 9F 1A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61 9F 11 01 01 BF 0C 08 9F 5A
05 60 00 51 00 51
▤ Tag 6F : File Control Information (FCI) Template
▤ Tag 84 : Dedicated File (DF) Name : A0
00 00 00 03 10 10
▤ Tag A5 : File Control Information (FCI) Proprietary Template
▤ Tag 50 : Application Label :
56 69 73 61
▤ Tag 87 : Application Priority Indicator :
01
▤ Byte 1 bit 8 = 0 Application may be selected without confirmation of
cardholder
bit 7-5= 000 RFU
bit 4-1= 0001 Order number in which the application is to be
listed: 1
▤ Tag 9F 38: Processing Options Data Object List (PDOL) :
9F 1A 02
▤ Tag : 9F 1A
▤ Length: 02
▤ Tag 5F 2D: Language Preference :
65 6E 72 75
▤ Language Preference = enru
• Language Code(1) = en; Language Name = English
• Language Code(2) = ru; Language Name = Russian
▤ Tag 9F 12: Application Preferred Name :
56 69 73 61
▤ Tag 9F 11: Issuer Code Table Index :
01
▤ Refers to Part 1 of ISO 8859
▤ Tag BF 0C: File Control Information (FCI) Issuer Discretionary Template
▤ Tag 9F 5A: Application Program
Identifier : 60 00 51 00 51
▤ Byte 1 bits 8-5 = '0110' Visa CEMEA use
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Byte 1 bits 4-1 = '0000' Visa regional discretion
▤ Bytes 2-3 = 00 51 AMD
▤ Bytes 4-5 = 00 51 Armenia
✔ FCI Template (Tag '6F') is present
✔ DF Name (Tag '84') is present in the FCI Template
✔ FCI Proprietary Template (Tag 'A5') is present in the FCI Template
✔ DF Name (Tag '84') in the FCI Template matchs the value in the SELECT Command
✔ The length of the response: 57 bytes.
✔ The length of the FCI Template: 55 bytes.
✔ ES.2.001.00.6 Passed. (Related Failure/Observation/Warning Message: Data Element

shall be a constructed data object (template) and shall contain valid TLV encoded
element.)
✔ ES.2.001.00.412 Passed. (Related Failure/Observation/Warning Message: Mandatory
data elements FCI template (Tag '6F'), DF Name (Tag '84') and FCI Proprietary
Template (Tag 'A5') shall be present in SELECT response.)
✔ ES.2.001.00.413 Passed. (Related Failure/Observation/Warning Message: Dedicated
File (DF) Name (Tag '84') in the response shall be the same value sent in the SELECT
Command.)
✔ ES.2.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid
Length.)
✔ ES.2.001.00.923 Passed. (Related Failure/Observation/Warning Message: Padding is
not allowed anywhere within the FCI template.)
4.3.139 ES.2.001.01
Verdict Passed
Test description To check that only the data elements defined by EMV Book 1 or the applicable Visa
specifications are present in FCI Issuer Discretionary Data (tag 'BF0C') returned in the
response to the SELECT ADF command.

▤ FCI Issuer Discretionary Data: 9F 5A 05 60 00 51 00 51

▤ Tag 9F 5A: Application Program Identifier : 60
00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
✔ ES.2.001.01.832 Passed. (Related Failure/Observation/Warning Message: Only the
data elements defined by EMV 4.3, Book 1 or the applicable Visa specifications
should be present in the FCI Issuer Discretionary Data (tag 'BF0C') returned in the
response to the SELECT ADF command.)
4.3.140 ES.3.001.00
Verdict Passed
Test description To ensure that the response to an explicit SELECT command is correctly formatted.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ FCI of ADF: 6F 37 84 07 A0 00 00 00 03 10 10 A5 2C 50 04 56 69 73 61 87 01 01 9F
38 03 9F 1A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61 9F 11 01 01 BF 0C 08 9F 5A
05 60 00 51 00 51
00 00 00 03 10 10
56 69 73 61
01
cardholder
bit 7-5= 000 RFU
listed: 1
9F 1A 02
▤ Tag : 9F 1A
▤ Length: 02
65 6E 72 75
56 69 73 61
01
Identifier : 60 00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
✔ ES.3.001.00.307 Passed. (Related Failure/Observation/Warning Message: Unexpected

data element in the template.)
4.3.141 ES.4.001.00
Verdict Passed
Test description To ensure that the Proprietary Application Identifier Extensions (PIX) is the correct length.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

00 00 03 10 10
▤ Proprietary Application Identifier Extensions (PIX): 10 10

Length.)
4.3.142 ES.5.001.00
Verdict Passed
Test description To ensure that the length and value of the RID are correct.


00 00 03 10 10
▤ Registered Application Provider Identifier (RID): A0 00 00 00 03

value (out of range).)
Length.)
4.3.143 FL.1.001.00
Test description To ensure the Constructed Data Object (CDO) Definition Version is present and has the correct
value.


4.3.144 FL.2.001.00
Test description To ensure that the Countries Permitted has correct length and format (if present).

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Countries Permitted (Tag 'DF02' in 'BF50') is not present
4.3.145 FL.3.001.00
Test description To ensure that the Days and Hours Permitted has the correct length and format (if present).


Days and Hours Permitted (Tag 'DF03' in 'BF50') is not present
4.3.146 FL.4.001.00
Test description To ensure that the Driver ID has the correct length and format (if present).


Driver ID (Tag 'DF15' in 'BF50') is not present
4.3.147 FL.5.001.00
Test description To ensure that the Driver Name has the correct length and format (if present).


Driver Name (Tag 'DF14' in 'BF50') is not present
4.3.148 FL.6.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure that the Fleet Card Service Provider has the correct length and format (if present).


Fleet Card Service Provider (Tag 'DF21' in 'BF50') is not present
4.3.149 FL.7.001.00
Test description To ensure the presence of the Fleet Data Template.


4.3.150 FL.8.001.00
Test description To ensure that the Fleet IAC - Default has the correct length and format (if present).


Fleet IAC - Default (Tag 'DF0D' in 'BF50') is not present
4.3.151 FL.9.001.00
Test description To ensure that the Fleet IAC - Denial has the correct length and format (if present).


Fleet IAC - Denial (Tag 'DF0E' in 'BF50') is not present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.152 FL.10.001.00
Test description To ensure that the Fleet IAC - Online has the correct length and format (if present).


Fleet IAC - Online (Tag 'DF0F' in 'BF50') is not present
4.3.153 FL.11.001.00
Test description To ensure that the Fleet Number has the correct length and format (if present).


Fleet Number (Tag 'DF13' in 'BF50') is not present
4.3.154 FL.12.001.00
Test description To ensure that the Fuel Product Type has the correct length and format (if present).


Fuel Product Type (Tag 'DF17' in 'BF50') is not present
4.3.155 FL.13.001.00
Test description To ensure that the Max Fuel Volume has the correct length and format (if present).

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Max Fuel Volume (Tag 'DF16' in 'BF50') is not present
4.3.156 FL.14.001.00
Test description To ensure that the Mileage has the correct length and format (if present).


Mileage (Tag 'DF18' in 'BF50') is not present
4.3.157 FL.15.001.00
Test description To ensure that the Offline Checks Mandated has the correct length and format (if present).


Offline Checks Mandated (Tag 'DF07' in 'BF50') is not present
4.3.158 FL.16.001.00
Test description To ensure that the Products Permitted List has the correct length and format (if present).


Products Permitted List (Tag 'DF06' in 'BF50') is not present
4.3.159 FL.17.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure that the Retries Permitted Limit has the correct length and format (if present).


Retries Permitted Limit (Tag 'DF0B' in 'BF50') is not present
4.3.160 FL.18.001.00
Test description To ensure that the Script Update Message has the correct length and format (if present).


Script Update Message (Tag 'DF0C' in 'BF50') is not present
4.3.161 FL.19.001.00
Test description To ensure the presence of the Vehicle Registration Number (VRN).


4.3.162 GE.1.002.00
Verdict Passed
Test description To ensure no repetition or duplication of primitive data elements used for contact or
contactless transactions

✔ GE.1.002.00.302 Passed. (Related Failure/Observation/Warning Message: Primitive

data elements shall not be returned more than once for a transaction.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.163 GE.3.001.00
Verdict Passed
Test description Check for Issuer specific tags (that meet the following criteria) and report warnings with
details if found: - The coding of constructed context-specific class BER-TLV Data Objects in the
ranges'BF01' to 'BF0B', 'BF0D' to 'BF0F', and 'BF70' to 'BF7F' is left to the discretion of the
issuer. - The coding of primitive and constructed private class BER-TLV Data Objects(excluding
the Visa defined data templates*) is left to the discretion of the issuer. * Visa defined data
templates: - VIS: 'BF55' – 'BF5B' - VCPS: 'BF55' – 'BF58', 'BF5B' .

• Coding left to the discretion of the issuer for tags:

none
✔ GE.3.001.00.827 Passed. (Related Failure/Observation/Warning Message: The issuer

specific constructed context-specific class BER-TLV data objects found on the card
are none.)
specific primitive and constructed private class BER-TLV data objects found on the
card are none.)
4.3.164 GE.3.002.00
Verdict Passed
Test description Check the length field of BER-TLV Data Objects: - If the length field of any BER-TLV Data Object
is within 1 to 127, it should be coded by 1 byte with b8 is set to 0- BER-TLV Data Objects
without the value field (the length field is equal to '00') should not be present.

✔ GE.3.002.00.829 Passed. (Related Failure/Observation/Warning Message: Length is

coded on 2 bytes instead of 1 byte.)
✔ GE.3.002.00.830 Passed. (Related Failure/Observation/Warning Message: BER-TLV
Data Objects without the value field is present.)
4.3.165 GE.3.003.00
Verdict Passed
Test description To validate correctness of records. Check for padding and ensure the padding rules are
respected as per EMV Specification Update SU69 – Padding of BER-TLV Encoded Constructed
Data Objects.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

✔
✔
✔
✔
✔
✔
✔
✔ GE.3.003.00.921 Passed. (Related Failure/Observation/Warning Message: Padding is

not correct.)
4.3.166 GE.4.001.00
Verdict Passed
Test description To ensure that each record returned by a payment application is less than or equal to 254
bytes

✔ GE.4.001.00.322 Passed. (Related Failure/Observation/Warning Message: Record

returned by a payment application must be less than or equal to 254 bytes, including
tag and length.)
4.3.167 IA.1.001.00
Verdict Passed
Test description To check that the same tags present in different applications have the same values.

▤ A0 00 00 00 03 10 10 - Application Currency Code VIS (Tag '9F 51') : 00 51

▤ A0 00 00 00 03 10 10 - Application Currency Code VIS (Tag '9F 51') : 00 51
▤ A0 00 00 00 03 10 10 - Application Currency Exponent (Tag '9F 44') : 02
▤ A0 00 00 00 03 10 10 - Application Effective Date (Tag '5F 25') : 21 05 01
▤ A0 00 00 00 03 10 10 - Application Expiration Date (Tag '5F 24') : 25 05 31
▤ A0 00 00 00 03 10 10 - Application Version Number (Tag '9F 08') : 00 A0
▤ A0 00 00 00 03 10 10 - Cardholder Name (Tag '5F 20') : 41 52 54 55 52 2F 47 48 41
5A 41 52 59 41 4E 20 20 20 20 20 20 20 20 20 20 20
▤ A0 00 00 00 03 10 10 - Issuer Country Code (Tag '5F 28') : 00 51
▤ A0 00 00 00 03 10 10 - Issuer Country Code VIS (Tag '9F 57') : 00 51
▤ A0 00 00 00 03 10 10 - Issuer Country Code VIS (Tag '9F 57') : 00 51
✔ IA.1.001.00.351 Passed. (Related Failure/Observation/Warning Message: Issuer to
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ IA.1.001.00.351 Passed. (Related Failure/Observation/Warning Message: Issuer to

check if the value of these data elements is correct.)
4.3.168 ID.1.001.00
Test description To ensure that if the Application Default Action is present, it has the correct length and RFU
settings

Specification: VIS 1.4.1 VCPS 2.0.2 VMCPS 1.4.x

4.3.169 ID.1.002.00
Verdict Passed
settings

Specification: VIS 1.5.x VIS 1.6.x VCPS 2.1.x VCPS 2.2.x

00 00 00 00
transaction online
failed
transaction online
current transaction
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

GENERATE AC
log
log
log
transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
derivation
bit 7-1 = 0000000 RFU
✔ ADA length is 6 bytes
✔ ADA Byte 4 bits 4-1, Byte 5 bits 8-5, and Byte 6 set to 0
✔ ID.1.002.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid

Length.)
✔ ID.1.002.00.4 Passed. (Related Failure/Observation/Warning Message: All RFU/'Not
4.3.170 ID.1.003.00
Test description To ensure that Application Default Action (Tag '9F52') is not present when it is not required.

VMCPS 1.4.x
• Transaction Logging is not supported
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Offline PIN is supported
Issuer Authentication is supported
4.3.171 ID.1.004.00
settings


▤ VIS 1.6.0
1.6.2 and above
4.3.172 ID.1.004.02
Verdict Passed
settings


▤ VIS 1.6.0
00 00 00 00
transaction online
failed
transaction online
current transaction
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

GENERATE AC
log
log
log
transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
derivation
bit 7-1 = 0000000 RFU
✔ ADA Byte 4 bits 4-1, Byte 5 bits 8-5, and Byte 6, bits 7-1 set to 0

Length.)
4.3.173 ID.1.004.03
Verdict Passed
Test description To ensure that when Application Default Action is present, it is not set to create advices

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

00 00 00 00
transaction online
failed
transaction online
current transaction
GENERATE AC
log
log
log
transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

derivation
bit 7-1 = 0000000 RFU
✔ ID.1.004.03.511 Passed. (Related Failure/Observation/Warning Message: It is
recommended that Application Default Action (tag '9F52') byte 1 bits 5-3 to be set
to '000b')
4.3.174 ID.11.001.00
Test description To ensure Geographic Restrictions functionality 'Restricted for domestic transactions' and
'Restricted for international transactions' are both not activated

▤ Tag DF 06: Products Permitted List [Visa Fleet] : <not

present>
▤ VIS 1.6.0
Geographic Restrictions data element (tag 'DF06' in 'BF5B') is not present
1.6.3/VCPS 2.2.4
4.3.175 ID.11.001.01
Test description To ensure Issuer Country Code (tag '9F57') is present when Geographic Restrictions
functionality is supported


present>
▤ VIS 1.6.0
1.6.3/VCPS 2.2.4
4.3.176 ID.11.001.02
Test description To ensure PDOL is present and contains Terminal Country Code (tag '9F1A') if Geographic
Restrictions functionality is supported.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


present>
▤ VIS 1.6.0
1.6.3/VCPS 2.2.4
4.3.177 MP.3.001.00
Test description To ensure that the Primary Account Number on the magnetic stripe or embossed on the card
is identical to the Primary Account Number of the default Visa application when used
internationally on the chip


Card is not a multi-application card
4.3.178 MP.4.001.00
Test description For cards with a Visa application (Visa Credit or Visa Debit) and a Visa Electron application,
ensure that the Primary Account Number (PAN) on the magnetic stripe or embossed on the
card is identical to the PAN of the Visa application on the chip


Visa Application and Visa Electron Application not found
4.3.179 MP.5.001.00
Test description To ensure that the Visa application has a higher priority than the Visa Electron application, if
both applications are present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Visa Application and Visa Electron Application not found
4.3.180 MP.6.001.00
Test description To ensure that one application on a multi-payment application card does not require
Cardholder Confirmation so that the application can be selected by devices that do not
support cardholder selection


4.3.181 MP.7.001.00
Test description To ensure the applications FCI contain the Application Priority Indicator


4.3.182 MP.8.001.00
Test description To check that each application's FCI contains the Application Priority Indicator and the values
are different between the two applications


4.3.183 MS.1.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Failed
Test description To ensure that Track 1 is present and formatted correctly

▤ Track 1:
▤ Track 1 (ASCII) :
✘ MS.1.001.00.135 Failure: Track 1 shall be present on the Magnetic Stripe.
4.3.184 MS.1.002.00
Verdict Inconclusive
Test description To ensure the consistency of data elements between Track 1 Data and Track 2 Data on the
magnetic stripe

Magnetic stripe, Track 1 is empty

4.3.185 MS.1.003.00
Test description To ensure the consistency of Track 1 data on magnetic stripe and data elements on the
primary Visa application on the chip

4.3.186 MS.1.006.00
Test description To ensure the consistency of Track 1 Discretionary Data on magnetic stripe and Track 1
Discretionary Data on the chip (if present)

VCPS 2.2.x
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.187 MS.2.001.00
Verdict Failed
Test description To ensure the Track 2 on the magnetic stripe is present and is formatted correctly

▤ Track 2:
▤ Track 2 ISO (ASCII) :
4.3.188 MS.2.002.00
primary application on the chip

4.3.189 MS.2.004.00
Test description To check the consistency of Track 2 Discretionary Data on magnetic stripe and the
Discretionary Data in Track 2 Equivalent Data on the primary application on the chip (except
for differences to accommodate CVV/iCVV)

4.3.190 MS.2.004.01
Test description To ensure that the CVV digits in the Track 2 Discretionary Data on the magnetic stripe do not
match those same digits on the chip
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

VCPS 2.2.x
4.3.191 PR.1.001.00
Test description To ensure that Payment Account Reference (if present) has the correct length and holds a valid
value

▤ Tag 9F 24: Payment Account Reference (PAR) : <not

present>
Payment Account Reference (tag '9F24') is not present
4.3.192 PS.1.001.00
Test description To ensure the correctness of the response of SELECT PSE command if PSE is supported


PSE is not present
4.3.193 PS.1.001.01
response to the SELECT PSE command


PSE is not present
Tag 'BF0C' is not present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.194 PS.2.001.00
Test description To ensure the correctness of the Payment System Directory (linear EF file identified by SFI) (if
PSE is supported)


PSE is not present
4.3.195 PS.3.001.00
Test description To check that data elements that are not defined or required in the Payment System Directory
as defined in EMV are not present


PSE is not present
4.3.196 PS.4.001.00
Test description To ensure that every Visa application listed in PSE can be selected using the given DF Name


PSE is not present
4.3.197 PS.5.001.00
Test description To ensure the correctness of the response of SELECT command of an application (ADF)
indicated in the PSE

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

PSE is not present
4.3.198 PS.7.001.00
Test description To check that the same data elements (if present) in the ADF Directory Entry are also present
in FCI Proprietary Template of the application and should contain the same values


PSE is not present
4.3.199 PS.7.001.01
Test description To check that the following data elements (if present) in the FCI Proprietary Template (tag 'A5')
of SELECT PSE response shall be also present in FCI Proprietary Template (tag 'A5') of SELECT
ADF and shall have identical values: Language Preference (tag '5F2D'), Issuer Code Table Index
(tag '9F11')


PSE is not present
4.3.200 PS.8.002.00
Test description To ensure that the PSE (if present) does not include an application with DPA AID.


PSE is not present
4.3.201 PS.10.001.00
Test description To ensure that each Application Template is correctly formatted as a TLV constructed data
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
object


PSE is not present
4.3.202 PS.10.002.01
Test description To ensure that the Application Template is present (when PSE is present)


PSE is not present
4.3.203 PS.10.002.02
Test description To check that the Application Template only contains known tags


PSE is not present
4.3.204 PS.11.001.00
Test description To check the correctness of the Directory Discretionary Template (tag '73') (if present)


Directory Discretionary Template (tag '73') is not present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.205 QN.20.002.00
Test description To ensure that the Cardholder Name - Extended is the correct length and format, when
present.


Cardholder Name - Extended (tag '9F 0B') is not present
4.3.206 SE.1.001.00
Verdict Passed
Test description To ensure Application Expiration Date is present and formatted correctly

VMCPS 1.4.x

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
✔ SE.1.001.00.55 Passed. (Related Failure/Observation/Warning Message: The date
date.)
✔ SE.1.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid
Length.)
✔ SE.1.001.00.3 Passed. (Related Failure/Observation/Warning Message: Missing
mandatory data element Application Expiration Date ('5F 24'))
4.3.207 SE.1.002.00
Verdict Passed
Test description To ensure the correctness of Application Expiration Date (tag '5F24')

VMCPS 1.4.x

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

01
▤ Year : 2021
▤ Month: May
▤ Day : 01
Expiration date of the Issuer Public Key Certificate (YYYYMM): 203012
✔ SE.1.002.00.934 Passed. (Related Failure/Observation/Warning Message: Application

Expiration Date (tag '5F24') shall be later than the Application Effective Date (tag
'5F25').)
Expiration Date (tag '5F24') must not contain 29 February (leap year).)
Expiration Date (Tag '5F24') shall be the last day of any given month indicated
(except 29 February).)
Expiration Date (Tag '5F24') shall not be later than the expiration date of the
Issuer Public key certificate associated with SDA/DDA or offline enciphered PIN.)
4.3.208 SE.2.001.00
Verdict Passed
Test description To ensure that the Application Preferred Name is formatted correctly (if present)

▤ Tag 9F 12: Application Preferred Name : 56 69

73 61
✔ SE.2.001.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
4.3.209 SE.2.002.00
Verdict Passed
Test description To ensure that the Issuer Code Table Index is present when the Application Preferred Name is
present

▤ Tag 9F 11: Issuer Code Table Index : 01

✔ SE.2.002.00.73 Passed. (Related Failure/Observation/Warning Message: Associated
Data Element (Issuer Code Index Table (Tag '9F11')) shall be present if Application
Preferred Name (Tag '9F12') is present.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.210 SE.3.002.00
Verdict Passed
Test description To ensure that the Application Label (if present) specifies that the card is a Visa application


73 61
Label shall contain the word "Visa" or "VISA".)
4.3.211 SE.3.003.00
Test description To ensure that the Application Label (if present) contains the correct value for a Visa Electron
application


4.3.212 SE.3.004.00
Test description To ensure that the Application Label (if present) contains the correct for a Visa Plus application


4.3.213 SE.3.005.00
Test description To check that the Application Label is consistent with the Visa recommended value for DPA
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

VMCPS 1.4.x

4.3.214 SE.4.001.00
Verdict Passed
Test description To ensure that the Application Primary Account Number (PAN) is formatted correctly

VMCPS 1.4.x

62 00 14 09 79 20

Length.)
correct.)
4.3.215 SE.4.002.00
Verdict Passed
Test description To ensure Application Primary Account Number (PAN) is present in the READ RECORD
response

VMCPS 1.4.x

62 00 14 09 79 20
mandatory data element Application Primary Account Number (PAN) ('5A'))
4.3.216 SE.4.003.00
Verdict Passed
Test description To check that the Application Primary Account Number (PAN) starts with the correct value

VMCPS 1.4.x
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

62 00 14 09 79 20
✔ SE.4.003.00.54 Passed. (Related Failure/Observation/Warning Message: Valid PAN
for Visa Application should start with a '4'.)
4.3.217 SE.5.001.00
Verdict Passed
Test description To ensure that the Application PAN Sequence Number is formatted correctly (when applicable)

VMCPS 1.4.x
▤ Tag 5F 34: Application PAN Sequence Number : 01

Length.)
correct.)
4.3.218 SE.5.002.00
Verdict Passed
Test description To ensure that the Application PAN Sequence Number is consistent across all supported
contact and contactless paths

VMCPS 1.4.x
• EMV transaction 1st GAC ARQC

• qVSDC online transaction

• qVSDC online transaction with ODA


PAN Sequence Number (Tag '5F34') must contain the same value across all supported
contact and contactless paths.)
4.3.219 SE.6.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Application Priority Indicator (if present) contains the correct length and
value

▤ Tag 87 : Application Priority Indicator : 01

cardholder
bit 7-5= 000 RFU
bit 4-1= 0001 Order number in which the application is to be listed: 1
Length.)
✔ SE.6.001.00.4 Passed. (Related Failure/Observation/Warning Message: All RFU/'Not
4.3.220 SE.6.002.00
Verdict Passed
Test description To check that cardholder confirmation is not supported (when applicable)


cardholder
bit 7-5= 000 RFU
• Single-application card.
Priority Indicator (tag '87') byte 1 bit 8 must be set to 0b.)
4.3.221 SE.6.003.00
Test description To check that the Application Priority Indicator is not set to 0 (for a multi-payment card)

VMCPS 1.4.x

Not a multi-application card.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.222 SE.6.003.01
Verdict Observation
Test description To check that the Application Priority Indicator is not present when it is not required (if there is
only a single application on the card).

• Single - application card.

cardholder
bit 7-5= 000 RFU
! SE.6.003.01.800 Observation: Since there is only a single application on the card,

the Application Priority Indicator is not required to be personalized.
4.3.223 SE.7.001.00
Verdict Passed
Test description To ensure that if the Application Usage Control is present, it is the correct length and value

Specification: VIS 1.4.1 VIS 1.5.x VIS 1.6.x VCPS 2.1.x VCPS 2.2.x

bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

Length.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.224 SE.7.002.00
Verdict Passed
Test description To ensure that the Issuer Country Code is present when the Application Usage Control is
present


bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

Data Element (Issuer Country Code (Tag '5F28')) shall be present if Application
Usage Control (Tag '9F07') is present.)
4.3.225 SE.7.003.00
Verdict Passed
Test description To ensure that the Application Usage Control has the correct values (if present)


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ Byte 1, bit 4 and bit 6 have the same values
✔ Byte 1, bit 3 and bit 5 have the same values

Usage Control (Tag '9F07') Byte 1 bit 4 and 6 shall have the same value and Byte 1
bit 3 and 5 shall have the same value if it is present.)
4.3.226 SE.7.004.00
Test description To ensure that the Application Usage Control contains the correct values (if present) for Plus


4.3.227 SE.7.005.00
Verdict Passed
Test description To check that the Application Usage Control is present


bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ SE.7.005.00.102 Passed. (Related Failure/Observation/Warning Message: It is
recommended that Application Usage Control (Tag '9F07') should be present in the
card although this data element is optional.)
4.3.228 SE.7.006.00
Verdict Passed
Test description To ensure that International Cash Back is not supported in the Application Usage Control


bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ SE.7.006.00.150 Passed. (Related Failure/Observation/Warning Message:
International cash back not allowed for this product; byte 2 bit 7 set to 1.)
4.3.229 SE.7.007.00
Test description To check that Domestic Cash Back is not supported in Application Usage Control for Visa
Credit


Application is not a Visa Credit
4.3.230 SE.7.007.01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To check that Domestic Cash Back is supported in Application Usage Control for Visa Debit and
Visa Electron


Application is not a Visa Debit or Electron
4.3.231 SE.8.001.00
Verdict Passed
Test description To ensure that, if Issuer Code Table Index (tag '9F11') is present, it has a correct length and
value.

▤ Issuer Code Table Index in FCI:


Length.)
4.3.232 SE.8.002.00
Test description To ensure that Issuer Code Table Index is not present when it is not required.


73 61

Application Preferred Name (tag '9F12') is present.
4.3.233 SE.9.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Application Usage Control (if present) has the recommended value


bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Usage Control (tag '9F07') byte 1 setting does not conform to the Visa recommended
value of the 'FF'.)
4.3.234 SE.10.001.00
Test description To ensure Issuer Application Data is present and formatted correctly

Specification: VIS 1.4.1 VIS 1.5.x VCPS 2.0.2 VCPS 2.1.x VMCPS 1.4.x

0A 03 A0 A0 02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
4.3.235 SE.10.001.02
Verdict Passed
Test description To ensure Issuer Application Data (IAD, tag '9F10') is present, formatted correctly and has the
correct values


0A 03 A0 A0 02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
• IAD Format: 0
✔ SE.10.001.02.310 Passed. (Related Failure/Observation/Warning Message: Incorrect
IAD (tag '9F10') length.)
✔ Byte 1 (length of the Visa Discretionary Data) is '06'
CVN value.)
CVR length.)
• Length byte 8 (IDD length) is not present
4.3.236 SE.10.001.03
Test description To ensure the value of the Issuer Discretionary Data (IDD) Option ID neither '1' nor '2'


▤ VIS 1.6.0
1.6.3
4.3.237 SE.10.001.04
Test description To ensure the Application Default Action (ADA) does not support padding method '80' when
using Issuer Application Data (IAD) Format 2


0A 03 A0 A0 02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
Card not personalized with an Issuer Application Data (IAD) Format 2
4.3.238 SE.10.002.01
Test description To ensure the Cryptogram Version Number within the Issuer Application Data has the correct
value


0A 03 A0 A0 02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
4.3.239 SE.11.001.00
Verdict Passed
Test description To ensure that the File Control Information (FCI) Issuer Discretionary Data is correctly
formatted(if present) and not allowed data elements are not present

▤ Tag BF 0C: File Control Information (FCI) Issuer Discretionary Template : 9F 5A

05 60 00 51 00 51
✔ SE.11.001.00.6 Passed. (Related Failure/Observation/Warning Message: Data Element
element.)
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: File
Control Information (FCI) Template ('6F') must not be present in FCI Issuer
Discretionary Data (tag 'BF0C').)
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Dedicated
File (DF) Name ('84') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Control Information (FCI) Proprietary Template ('A5') must not be present in FCI
Issuer Discretionary Data (tag 'BF0C').)
Application Label ('50') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Application Priority Indicator ('87') must not be present in FCI Issuer
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Processing
Options Data Object List (PDOL) ('9F 38') must not be present in FCI Issuer
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Language
Preference ('5F 2D') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Issuer
Code Table Index ('9F 11') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Application Preferred Name ('9F 12') must not be present in FCI Issuer Discretionary
Data (tag 'BF0C').)
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Short File
Identifier (SFI) ('88') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Application Identifier (AID) ('4F') must not be present in FCI Issuer Discretionary
Data (tag 'BF0C').)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Application Template ('61') must not be present in FCI Issuer Discretionary Data
(tag 'BF0C').)
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Directory
Discretionary Template ('73') must not be present in FCI Issuer Discretionary Data
(tag 'BF0C').)
Definition File (DDF) Name ('9D') must not be present in FCI Issuer Discretionary
Data (tag 'BF0C').)
✔ SE.11.001.00.922 Passed. (Related Failure/Observation/Warning Message: The length
associated with 'BF0C' shall be 222 at maximum.)
4.3.240 SE.12.001.00
Verdict Passed
Test description To ensure File Control Information (FCI) Proprietary Template is present in SELECT response

▤ Tag A5 : File Control Information (FCI) Proprietary Template : 50 04

56 69 73 61 87 01 01 9F 38 03 9F 1A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61 9F
11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51
mandatory data element File Control Information (FCI) Proprietary Template ('A5'))
4.3.241 SE.12.002.00
Verdict Passed
Test description To check the Application Definition File (ADF) File Control Information (FCI) Proprietary
template 'A5' contains data defined by EMV only. Allowed EMV tags: 50, 87, 9F38, BF0C, 9F11,
9F12, 5F2D, 9F2A, 9F29. No other tags should be present.


56 69 73 61 87 01 01 9F 38 03 9F 1A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61 9F
11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51
✔ SE.12.002.00.215 Passed. (Related Failure/Observation/Warning Message: <Name of

data element> ('') shall not be present in the FCI Proprietary template 'A5'.)
4.3.242 SE.12.003.00
Verdict Passed
Test description To ensure that the Application Definition File (ADF) File Control Information (FCI) Template '6F'
does not contain any data elements other than DF Name and FCI Proprietary Template.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ ADF FCI: 6F 37 84 07 A0 00 00 00 03 10 10 A5 2C 50 04 56 69 73 61 87 01 01 9F 38
03 9F 1A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61 9F 11 01 01 BF 0C 08 9F 5A 05
60 00 51 00 51
00 00 00 03 10 10
56 69 73 61
01
cardholder
bit 7-5= 000 RFU
listed: 1
9F 1A 02
▤ Tag : 9F 1A
▤ Length: 02
65 6E 72 75
56 69 73 61
01
Identifier : 60 00 51 00 51
▤ Bytes 2-3 = 00 51 AMD

data element> ('') shall not be present in the Application Definition File (ADF)
File Control Information (FCI) Template '6F'.)
4.3.243 SE.14.001.00
Verdict Passed
Test description To ensure that the ICC Public Key Certificate is present and its length and format are correct
(when applicable)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

VMCPS 1.4.x

• Card supports Offline Enciphered PIN with ICC Public Key
▤ Tag 9F 46: ICC Public Key Certificate : 54 19
A5 B1 84 FE BA BE 00 7D FF 1D BA 4A 61 F3 C6 7A 79 17 0A 32 C1 FA 99 C9 E4 7A 69 E5
86 24 79 8B F6 8E F0 5E 87 7F 80 DA 2F 0B 79 EF 1C 01 BA 56 7D B6 2A 37 69 0C 9C 42
08 A8 3C DB CF 46 48 B0 9C 6A B6 84 E8 F1 19 CC 02 DA E6 55 E1 10 15 3B B3 D6 6D 10
E0 75 DE 6E 54 E9 1E E2 09 89 46 FB FD A1 69 1D 7F B2 DB B6 70 5B C7 1A 71 92 B0 C9
F2 8B 36 C6 BF 2C 7D 65 8A 43 D5 EA 82 57 0F FA 3B E5 9C 47 A7 36 7B 51 43 0E 0D 73
A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99 C6 B4 C7 B0 C4 B8 94
2D 8D DF F7 16 4C
✔ SE.14.001.00.118 Passed. (Related Failure/Observation/Warning Message: Mandatory
Data Element shall be present if Offline Data Authentication or Offline Enciphered
PIN (without a dedicated PIN Encipherment Key) is supported.)
4.3.244 SE.14.002.00
Verdict Passed
Test description To ensure that the ICC Public Key Certificate (when present) is equal to the length of the Issuer
Public Key Modulus

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
2D 8D DF F7 16 4C
• Length of Issuer Public Key Modulus : 176
• Length of ICC Public Key Certificate: 176
✔ SE.14.002.00.105 Passed. (Related Failure/Observation/Warning Message: ICC Public

Key Certificate length shall be equal to the length of Issuer Public Key Modulus.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.245 SE.14.003.00
Test description To check that the ICC Public Key Certificate is not present (when not required)

VMCPS 1.4.x

Card supports DDA, CDA or Offline Enciphered PIN with ICC Public Key
4.3.246 SE.14.004.00
Verdict Passed
Test description To check that the ICC Public Key (when present) is a multiple of 16 so that the card can be
accepted at all terminals

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99
C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
• Length of ICC Public Key in bits :1024
✔ SE.14.004.00.97 Passed. (Related Failure/Observation/Warning Message: Length of

ICC Public Key not multiple of 16 and may cause interoperability issues.)
4.3.247 SE.15.001.00
Verdict Passed
Test description To ensure ICC Public Key Exponent is present (when applicable)

VMCPS 1.4.x

4.3.248 SE.15.002.00
Verdict Passed
Test description To ensure that the ICC Public Key Exponent has the correct length and one of the correct
values (when present)

VMCPS 1.4.x

Length.)
✔ SE.15.002.00.83 Passed. (Related Failure/Observation/Warning Message: Public Key
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Exponent value shall be 3 or 2^16 +1.)
4.3.249 SE.15.003.00
Verdict Passed
Test description When the ICC Public Key Exponent is present, it is recommended to use '03' instead of 2^16 +1

VMCPS 1.4.x

recommended that Public Key Exponent value should be set to '03' as 2^16 +1
increases transaction time.)
4.3.250 SE.15.004.00
Test description To check that the ICC Public Key Exponent is not present (when not required)

VMCPS 1.4.x

Card supports DDA, CDA or Offline Enciphered PIN with ICC Public Key
4.3.251 SE.16.001.00
Test description To ensure ICC Public Key Remainder is present and has the correct length (when applicable)

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99
C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
present>
• Length of ICC Public Key Modulus :128
• Length of ICC Public Key in Certificate :128

Entire ICC Public Key fits into the corresponding certificate.
4.3.252 SE.16.003.00
Verdict Passed
Test description To check that the ICC Public Key Remainder is not present when not required (if the entire
public key can fit into the certificate)

VMCPS 1.4.x
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99
C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39
present>
✔ SE.16.003.00.69 Passed. (Related Failure/Observation/Warning Message: Since the

ICC public key is not longer than the data retrieved from the certificate, the ICC
Public Key Remainder is not required to be personalized on this card.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.253 SE.16.004.00
Verdict Passed
Test description To ensure that the Issuer Public Key Certificate is present and its length and format are correct
(when applicable)

VMCPS 1.4.x

▤ Tag 90 : Issuer Public Key Certificate : 3F 58
87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86 CF C2
9E B8 08 E5 4A 52 8C B5 04 8D AB 04 96 65 45 B6 33 D5 91 F4 DD F0 24 40 B7 14 DB 63
CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2 37 79 2A 59 B6 D1 D6 53 61 56 3B 4F F6 03
A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A 02 6D 24 D7 90 B4 63 24 9A
24 A4 46 A4 67 B3 2B 0C 5D D1 D8 5B F0 7A DF 67 7B E3 58 66 AF 91 87 D6 E6 71 0C 6C
83 E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67 58 7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C
A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E 14 9B 12 59 AE 2E B7 8D D4 FF 3F DC
85 2B D5 51 A8 5B 11 73 48 66 31 3E 98 EF 14 B9 C3 2D BE 5C 2D BD 66 DC 07 EC 4E 41
53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29

mandatory data element Issuer Public Key Certificate ('90'))
4.3.254 SE.16.005.00
Verdict Passed
Test description To ensure that the Issuer Public Key Certificate (tag '90') has correct length.

VMCPS 1.4.x

53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
• Length of Issuer Public Key Certificate : 1984 bits

• Length of Certification Authority Public Key Modulus : 1984 bits

length (length different from Certification Authority Public Key Modulus).)
4.3.255 SE.16.006.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Test description To ensure that the Issuer Public Keys that are used for the Visa or Visa Electron Payment
Application are used solely for that purpose.

VMCPS 1.4.x

Single - application card.
4.3.256 SE.16.007.00
Verdict Passed
Test description To ensure that the Issuer Public Key for cards expiring after December 2016 must be 1152 bits
or longer.

VMCPS 1.4.x

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
• Application expires after December 2016.

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
• Length of Issuer Public Key Modulus: 1408 bits

Public Key must be greater or equal to 1152 bits if Expiration Date (tag 5F24) is
after Dec 2016.)
4.3.257 SE.16.008.00
Verdict Passed
Test description To ensure that the Issuer Public Keys must be equal to or less than the longest VSDC CA Public
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Key currently being used for signing certificates.

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
• Length of Longest CA Public Key : 1984 bits

• Length of Issuer Public Key Modulus : 1408 bits

Public Keys must be equal to or less than the longest VSDC CA Public Key (248 bytes-
1984 bits) currently being used for signing certificates.)
4.3.258 SE.16.009.00
Verdict Passed
Test description To ensure that the length of the ICC Public Key must be less than or equal to the length of the
Issuer Public Key.


58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
7B 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99
C6 B4 C7 B0 C4 B8 94 2D 8D DF F7 16 4C
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 27 9A 57 94 8A 23 E9 77 AB 9E 31 89 AC 27 AC C2
▤ D7 4A 98 39

• Length of ICC Public Key Modulus : 1024 bits

of the ICC Public Key must be less than or equal to the length of the Issuer Public
Key.)
4.3.259 SE.16.010.01
Verdict Passed
Test description To ensure that the length of the Issuer Public Key for cards expiring after December 2019
must be 1408 bits or longer.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


31
▤ Year : 2025
▤ Month: May
▤ Day : 31

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29

Public Key length must be greater or equal to 1408-bit if Expiration Date (tag
'5F24') is after December 2019.)
4.3.260 SE.17.001.00
Verdict Passed
Test description To ensure Issuer Public Key Exponent is present (when applicable)

VMCPS 1.4.x


Public Key Exponent shall be present if SDA, DDA, CDA, or Offline Enciphered PIN are
supported.)
4.3.261 SE.17.002.00
Verdict Passed
Test description To ensure that the Issuer Public Key Exponent (when present) contains one of the correct
values
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

VMCPS 1.4.x

Length.)
4.3.262 SE.17.003.00
Verdict Passed
Test description The recommended value of the Issuer Public Key Exponent (when present) is '03'

VMCPS 1.4.x

4.3.263 SE.18.001.00
Test description To ensure that the Issuer Public Key Remainder is present and has the correct length, when
applicable

VMCPS 1.4.x

present>
58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
• Length of Issuer Public Key Modulus :176
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

• Length of Certification Authority Public Key Modulus :248
• Length of Issuer Public Key in Certificate :176
Entire Issuer Public Key fits into the corresponding certificate
4.3.264 SE.18.003.00
Test description To check that the Issuer Public Key Remainder is not present (when not required)

VMCPS 1.4.x

present>
58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29

4.3.265 SE.19.001.00
Verdict Passed
Test description To ensure that Language Preference (if present) is formatted correctly and contains a valid
value

▤ Tag 5F 2D: Language Preference : 65 6E

72 75
• Code: en, language: English
• Code: ru, language: Russian
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Length.)
ISO639 code.)
Preference (Tag '5F2D') shall be encoded in lowercase alphabetical characters only.)
4.3.266 SE.20.001.00
Verdict Passed
Test description To check that the tags and lengths of data elements listed in the Processing Options Data
Object List (PDOL) (if present) are valid

▤ Tag 9F 38: Processing Options Data Object List (PDOL) : 9F 1A

02
▤ Tag : 9F 1A
▤ Length: 02
✔ SE.20.001.00.318 Passed. (Related Failure/Observation/Warning Message: Data

elements listed in Processing Options Data Object List (tag '9F38') shall contain
valid (recognized) Tags and Lengths. Terminal will zero fill the values for
unrecognized tags.)
4.3.267 SE.21.001.00
Verdict Passed
Test description To ensure that the SDA Tag List (if present) only contains the Application Interchange Profile

VMCPS 1.4.x

▤ Tag : 82
✔ SE.21.001.00.92 Passed. (Related Failure/Observation/Warning Message: Static Data
Authentication Tag List (Tag '9F4A') shall only contain the tag for the AIP if it is
present)
4.3.268 SE.21.002.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Test description To ensure that the SDA Tag List is present (when applicable)


02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ End record = 2
▤ AFL (2) = 10 01 02 00
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3
• Static Data signed on the card
4.3.269 SE.21.002.01
Verdict Passed
Test description To ensure that the SDA Tag List is present when applicable


▤ Tag : 82
Element shall be present if SDA, DDA or CDA is supported.)
4.3.270 SE.40.001.03
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure that Certification Authority Public Key Index (PKI) has correct value

VMCPS 1.4.x


4.3.271 SH.2.001.00
Verdict Passed
Test description To ensure that the Application Currency Code (Visa Proprietary Data) is formatted correctly
and contains valid data (if present)

VMCPS 1.4.x
▤ Tag 9F 51: Application Currency Code [VSDC] : 00 51

▤ Code (num) = 00 51
▤ Code (an) = AMD
▤ Currency = Armenian Dram
✔ SH.2.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid
Length.)
✔ SH.2.001.00.2 Passed. (Related Failure/Observation/Warning Message: Invalid ISO
4217 code.)
4.3.272 SH.2.002.00
Verdict Passed
Test description To ensure that the Application Currency Code (Visa Proprietary Data) is present (when
required)

VMCPS 1.4.x
• Card supports CTTA Lower Limit Check

• Card supports CTTA Upper Limit Check
• Card supports Low Value and CTTA Check
▤ Code (num) = 00 51
▤ Code (an) = AMD
✔ SH.2.002.00.53 Passed. (Related Failure/Observation/Warning Message: Application
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Currency Code (Visa Proprietary Data) (Tag '9F51') is missing when required.)
4.3.273 SH.2.004.00
Verdict Passed
Test description To check that the Application Currency Code (Visa Proprietary Data) is correct (if present)

VMCPS 1.4.x

▤ Code (num) = 00 51
▤ Code (an) = AMD
Following currencies applicable for this country code:
• Currency code: 00 51 - Armenian Dram
✔ SH.2.004.00.51 Passed. (Related Failure/Observation/Warning Message: The currency

code (or value) used should correspond to the currency used by the issuing country
indicated.)
Length.)
4.3.274 SH.3.002.00
Verdict Passed
Test description To check that the Application Default Action (ADA, tag '9F52') has the recommended value
related to Issuer Authentication

▤ Issuer Authentication is supported

00 00 00 00
transaction online
failed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

transaction online
current transaction
GENERATE AC
log
log
log
transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
derivation
bit 7-1 = 0000000 RFU
✔ SH.3.002.00.88 Passed. (Related Failure/Observation/Warning Message: It is
recommended that the card not be set to decline online approved transactions when
Issuer Authentication fails.)
4.3.275 SH.3.003.00
Verdict Passed
Test description To check that the Application Default Action (tag '9F52') has the recommended value related to
Issuer Script
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Issuer Authentication is supported

00 00 00 00
transaction online
failed
transaction online
current transaction
GENERATE AC
log
log
log
transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

derivation
bit 7-1 = 0000000 RFU
✔ SH.3.003.00.122 Passed. (Related Failure/Observation/Warning Message: If the
Issuer implements Issuer Scripting, it is recommended to set byte 2 bit 4 of the ADA
(if Issuer Script failed, transmit transaction online) to 1b.)
4.3.276 SH.3.006.00
Verdict Passed
Test description To check that the Application Default Action has the correct value related to the IAD Format


0A 03 A0 A0 02
supported)
• Issuer Application Data (tag '9F 10') has format 0/1/3
00 00 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

transaction online
failed
transaction online
current transaction
GENERATE AC
log
log
log
transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
derivation
bit 7-1 = 0000000 RFU
✔ SH.3.006.00.191 Passed. (Related Failure/Observation/Warning Message: ADA byte 5
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ SH.3.006.00.191 Passed. (Related Failure/Observation/Warning Message: ADA byte 5

bit 1 must be 0b if the IAD Format is not a Format 2.)
4.3.277 SH.3.007.00
Test description To check that the Application Default Action has the correct value related to the Issuer
Scripting support


0A 03 A0 A0 02
supported)
Issuer Application Data (tag '9F 10') Format different from format 2
Application does support Issuer Scripting
4.3.278 SH.4.001.01
Verdict Passed
Test description To ensure the Application Transaction Counter (ATC) is present for a contact transaction and is
the correct length (GEN AC response)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


ATC is retrievable via Generate AC response Format 1 on Contact Interface
✔ SH.4.001.01.3 Passed. (Related Failure/Observation/Warning Message: Missing
mandatory data element Application Transaction Counter (ATC) ('9F 36'))
Length.)
4.3.279 SH.4.002.00
Verdict Passed
Test description To check that the Application Transaction Counter is present for a contact transaction in
support of terminal velocity checking

• Card supports terminal velocity checking

✔ SH.4.002.00.82 Passed. (Related Failure/Observation/Warning Message: This data is
not retrievable with the Get data command.)
4.3.280 SH.5.001.00
Test description To ensure that the Available Offline Spending Amount is formatted correctly (if present)

VMCPS 1.4.x

Available Offline Spending Amount (tag '9F 5D') is not present
4.3.281 SH.5.002.00
Test description To ensure that Available Offline Spending Amount (AOSA, tag '9F5D') is not retrievable by the
GET DATA command unless allowed by the Issuer.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.3.282 SH.6.002.00
Verdict Passed
Test description To check that Cumulative Total Transaction Amount Upper Limit is present when 'Low Value
and CTTA check supported'

Specification: VCPS 2.0.2 VCPS 2.1.x VCPS 2.2.x VMCPS 1.4.x

▤ Tag 9F 5C: Cumulative Total Transaction Amount Upper Limit [VSDC] : 00 00
02 00 00 00
▤ Amount value: 20000.00
✔ SH.6.002.00.173 Passed. (Related Failure/Observation/Warning Message: When Card
Additional Processes (Tag '9F68') Byte 1, Bit 7 is set, it is highly recommended
that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C') be personalized.)
4.3.283 SH.6.002.01
Verdict Passed
Test description To ensure that Cumulative Total Transaction Amount Upper Limit is present when 'Low Value

Specification: VIS 1.6.x VCPS 2.2.x VMCPS 1.4.x

F0 00
transactions
Authorizations
bit 2 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
02 00 00 00
✔ SH.6.002.01.224 Passed. (Related Failure/Observation/Warning Message: Cumulative
Total Transaction Amount Upper Limit (tag '9F5C') shall be personalized when Card
Additional Processes (tag '9F68') byte 1 bit 7 is set to 1b)
4.3.284 SH.14.002.00
Verdict Passed
Test description To ensure that the International Counters Data Template is a correctly formatted TLV
constructed data object and contains only the context-specific tags that are defined for this
template

• Card supports qVSDC Offline International Transactions

▤ Tag BF 57: International Counters Data Template : DF 11
01 02 DF 21 01 01 DF 31 01 03 DF 51 01 02
▤ Profile: 1
▤ Consecutive Transaction Counter International : 02
▤ Consecutive Transaction Counter International Limit : 01
▤ Consecutive Transaction Counter International Upper Limit : 03
▤ Consecutive Transaction Counter International Country : 02
▤ Consecutive Transaction Counter International Country Limit : <not present>
✔ SH.14.002.00.6 Passed. (Related Failure/Observation/Warning Message: Data Element

element.)
✔ SH.14.002.00.166 Passed. (Related Failure/Observation/Warning Message: Tags not
defined for inclusion are present in the International Counters Data Template.)
mandatory data element International Counters Data Template ('BF 57'))
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.285 SH.18.001.00
Verdict Passed
Test description To check that the Counters Data Template is a correctly formatted TLV constructed data object
and contains only the context-specific tags that are defined for this template

• Card supports Consecutive Transactions Upper Limit Check

• Card supports Consecutive Transactions Lower Limit Check
▤ Tag BF 56: Counters Data Template : DF 11
01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
▤ Consecutive Transaction Counter : 02
▤ Consecutive Transaction Counter Limit : 00
▤ Consecutive Transaction Counter Upper Limit : 03
▤ Consecutive Transaction Counter – No CVM : <not present>
▤ Consecutive Transaction Counter Limit – No CVM : <not present>

element.)
defined for inclusion are present in the Counters Data Template.)
mandatory data element Counters Data Template ('BF 56'))
4.3.286 SH.22.001.00
Test description To ensure that the Conversion Currency Code x is formatted correctly (if present)


Currency Conversion Parameter (tag '9F 73') - is not present
4.3.287 SH.22.001.01
Test description To ensure that the Currency Conversion Factor is formatted correctly (if present)


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.3.288 SH.23.001.00
Test description To ensure that the Currency Conversion Factor x is formatted correctly (if present)


Currency Conversion Factor (tag '9F 73') - is not present
4.3.289 SH.23.001.01
Test description To ensure that the Secondary Application Currency is formatted correctly (if present)


Secondary Application Currency (tag '9F 76') - is not present
4.3.290 SH.23.002.01
Test description To ensure that the Secondary Application Currency is present (when applicable)


Card does not support Currency Conversion
4.3.291 SH.23.003.00
Verdict Passed
Test description To ensure that the Currency Conversion Parameters is not present (when not required)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

• Card does not support Currency Conversion

▤ Tag 9F 73: Currency Conversion Parameters [VSDC] : <not
present>
✔ SH.23.003.00.82 Passed. (Related Failure/Observation/Warning Message: Since
Currency Conversion checking is not supported, the Currency Conversion Parameters is
not required to be personalized on this card.)
4.3.292 SH.23.003.01
Test description To ensure that the Secondary Application Currency is not present (when not supported)


4.3.293 SH.24.001.00
Test description To ensure that the Currency Conversion Parameters is present and formatted correctly (when
applicable)


4.3.294 SH.24.001.01
Test description To ensure that the Currency Conversion Factor is present (when applicable)

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.3.295 SH.26.001.00
Verdict Passed
Test description To ensure that the Issuer Country Code (Visa Proprietary Data) is formatted correctly and
contains valid data (if present)

Specification: VIS 1.4.1 VIS 1.5.x VIS 1.6.x VCPS 2.1.x VCPS 2.2.x VMCPS 1.4.x

Length.)
ISO3166 value.)
4.3.296 SH.26.001.01
Test description To ensure that the Issuer Country Code (Visa Proprietary Data) is present (when required)


Card does not support Consecutive International Transaction Lower/Upper Limit
Check with/without International Country option or qVSDC uses Country Code to
Determine Domestic/International
4.3.297 SH.26.002.00
Verdict Passed
Test description To ensure that if both the Issuer Country Code (Visa Proprietary Data) and the Issuer Country
Code are present, the values match


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

✔ SH.26.002.00.113 Passed. (Related Failure/Observation/Warning Message: Issuer
Country Code (Visa Proprietary Data) (Tag '9F57') shall match the value of Issuer
Country Code (Tag '5F28').)
4.3.298 SH.27.002.00
Test description To check that the Last Online ATC Register is present and has the correct length (when
applicable)


Card does not supportLower/Upper Consecutive Offline Limit Check
4.3.299 SH.28.001.00
Test description To ensure that the Log Entry is present and the length and format are correct (when
applicable)

VMCPS 1.4.x

Card does not support contact Transaction Logging
4.3.300 SH.29.001.00
Test description To ensure that the Log Format is present and the length is correct (when applicable)

VMCPS 1.4.x

Card does not support contact Transaction Logging
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.301 SH.29.002.00
Test description To check that the tags and lengths of data elements listed in the Log Format are valid

VMCPS 1.4.x

Log Format is not present
4.3.302 SH.31.001.00
Verdict Passed
Test description To ensure that the PIN Try Counter (tag '9F17') is present and length is valid

• Card supports Offline PIN

▤ Tag 9F 17: Personal Identification Number (PIN) Try Counter : 03
Length.)
4.3.303 SH.31.002.00
Verdict Passed
Test description To ensure that the PIN Try Counter (tag '9F17') is present and does not have a value of '00'
which indicates PIN is blocked

• Card supports Offline PIN

▤ Tag 9F 17: Personal Identification Number (PIN) Try Counter : 03
✔ SH.31.002.00.933 Passed. (Related Failure/Observation/Warning Message: PIN Try
Counter (Tag '9F17') shall not have a value of '00' which indicates PIN Blocked.)
4.3.304 SH.31.003.00
Test description To check that the PIN Try Counter is not present when not required (if Offline PIN is not
supported)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Card supports Offline PIN
4.3.305 SH.40.001.01
Verdict Passed
Test description To ensure that the Certificate Authority Public Key Index is present (when required) and that
the length is correct.

• Card supports Offline Data Authentication or Offline Enciphered PIN

✔ Certificate Authority Public Key has valid length
✔ SH.40.001.01.377 Passed. (Related Failure/Observation/Warning Message: CA Public

Key Index is missing.)
Length.)
4.3.306 VC.1.001.00
Test description To ensure that LCOL (Tag '9F58') is present and the correct length (when applicable)

• Card supports LCOL (Visa Proprietary Data) Check

4.3.307 VC.1.002.00
Test description To ensure that LCOL (Tag '9F58') is not present (when not required)

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Card supports LCOL (Visa Proprietary Data) Check
4.3.308 VC.1.003.00
Test description To check that the value of the lower limit (Tag '9F58') is in the recommended range (when
applicable)


LCOL (Visa Proprietary Data) Check is not supported (see ICS)
4.3.309 VC.1.004.00
Test description To ensure that the Lower Consecutive Offline Limit is not present if the Last Online ATC
Register is not supported


Last Online ATC Register (Tag '9F 13') is present
4.3.310 VC.2.001.00
Verdict Passed
Test description To ensure that the Consecutive Transactions Lower Limit (Tag '9F58' or 'DF21' in 'BF56') and
Consecutive Transactions Counter (Tag 'DF11' in 'BF56') are present and the correct lengths
(when applicable)

• Card supports Consecutive Transaction Lower Limit Check

01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Profile: 1
✔ CTCL (Tag '9F58' or 'DF21' in 'BF56') is present
✔ CTCL has valid length
✔ CTC (Tag 'DF11' in 'BF56') is present

✔ CTC has valid length
✔ VC.2.001.00.160 Passed. (Related Failure/Observation/Warning Message: Counters

Data Template('BF 56') is missing when issuer wants the velocity check to be
supported.)
✔ VC.2.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid
Length.)
4.3.311 VC.2.002.00
Test description To ensure that Consecutive Transactions Lower Limit (Tag '9F58' or 'DF21' in 'BF56') is not
present (when not required)


Card supports Consecutive Transaction Lower Limit Check
4.3.312 VC.2.003.00
Verdict Warning
Test description To check that the value of the lower limit is in the recommended range (when applicable)

▤ Tag 9F 58: Consecutive Transaction Counter Limit [VSDC] : 00

! CTCL Tag '9F58' value should be between 3 and 10

01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
! CTCL Tag 'DF21' in 'BF56' value should be between 3 and 10
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
! VC.2.003.00.175 Warning: The value of CTCL should be between 3 and 10.
4.3.313 VC.3.001.00
Test description To ensure that UCOL (Tag '9F59') is present and the correct length (when applicable)

• Card supports UCOL (Visa Proprietary Data) Check

4.3.314 VC.3.002.00
Test description To ensure that UCOL (Tag '9F59') is not present (when not required)


Card supports UCOL (Visa Proprietary Data) Check
4.3.315 VC.3.003.00
Test description To check that the value of the upper limit (Tag '9F59') is in the recommended range (when
applicable)


UCOL (Visa Proprietary Data) Check is not supported (see ICS)
4.3.316 VC.3.004.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Test description To ensure that the lower limit is not greater than the upper limit when both are present


4.3.317 VC.3.005.00
Test description To check that the lower limit and upper limit are both present


4.3.318 VC.4.001.00
Verdict Passed
Test description To ensure that the Consecutive Transactions Upper Limit (Tag '9F59' or 'DF31' in 'BF56') and
Consecutive Transactions Counter (Tag 'DF11' in 'BF56') are present and the correct lengths
(when applicable)

• Card supports Consecutive Transaction Upper Limit Check

01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
✔ CTCUL (Tag '9F59' or 'DF31' in 'BF56') is present
✔ CTCUL has valid length
✔ CTC (Tag 'DF11' in 'BF56') is present

✔ CTC has valid length
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported.)
Length.)
4.3.319 VC.4.002.00
Test description To ensure that Consecutive Transactions Upper Limit (Tag '9F59' or 'DF31' in 'BF56') is not


Card supports Consecutive Transaction Upper Limit Check
4.3.320 VC.4.003.00
Verdict Warning
Test description To check that the value of the upper limit is in the recommended range (when applicable)

▤ Tag 9F 59: Consecutive Transaction Counter Upper Limit [VSDC] : 03

! CTCUL Tag '9F59' value should be between 5 and 12

01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
! CTCUL Tag 'DF31' in 'BF56' value should be between 5 and 12
! VC.4.003.00.184 Warning: CTCUL (Tag '9F59' or 'DF31' in 'BF56') should be between

5 and 12.
4.3.321 VC.4.004.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


✔ VC.4.004.00.121 Passed. (Related Failure/Observation/Warning Message: CTCL (Tag

'9F58' or 'DF21' in 'BF56') shall be lower than or equal to the CTCUL (Tag '9F59' or
'DF31' in 'BF56').)
4.3.322 VC.4.005.00
Verdict Passed

• Card supports Consecutive Transaction Lower Limit Check

• Card supports Consecutive Transaction Upper Limit Check
01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
✔ VC.4.005.00.178 Passed. (Related Failure/Observation/Warning Message: Both

Consecutive Transaction Counter Limit (CTCL, tag '9F58' or 'DF21' in 'BF56') and
Consecutive Transaction Counter Upper Limit (CTCUL, tag '9F59' or 'DF31' in 'BF56')
should be present. It is highly recommended that the CTCUL be personalized if the
CTCL is personalized.)
4.3.323 VC.5.001.00
Test description To ensure that Consecutive International Transactions (Currency) Lower Limit (tag '9F53') is
present and the correct length (when applicable)

• Card supports Consecutive International Transaction Lower Limit Check
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.3.324 VC.5.002.00
not present (when not required)


Card supports Consecutive International Transaction Lower Limit Check
4.3.325 VC.5.003.00
Verdict Passed
Test description To ensure that Consecutive International Transactions (Currency) Lower Limit (Tag '9F53' or
'DF21' in 'BF57') and Consecutive Transaction Counter International (Tag 'DF11' in 'BF57') are
present and the correct lengths (when applicable)


01 02 DF 21 01 01 DF 31 01 03 DF 51 01 02
▤ Profile: 1
✔ CTCIL (Tag '9F53' or 'DF21' in 'BF57') is present
✔ CTCIL has valid length
✔ CTCI (Tag 'DF11' in 'BF57') is present

✔ CTCI has valid length
✔ VC.5.003.00.160 Passed. (Related Failure/Observation/Warning Message:

International Counters Data Template('BF 57') is missing when issuer wants the
velocity check to be supported.)
Length.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.326 VC.5.004.00
'DF21' in 'BF57') is not present (when not required)


Card supports Consecutive International Transaction Lower Limit Check
4.3.327 VC.6.001.00
Test description To ensure that Consecutive International Transactions (Currency) Upper Limit (Tag '9F5E') is

Specification: VIS 1.4.1 VMCPS 1.4.x

4.3.328 VC.6.002.00


Card supports Consecutive International Transaction (Currency/Country) Upper
Limit Check
4.3.329 VC.6.003.00
Verdict Passed
Test description To ensure that the Consecutive Transaction International Upper Limit (CTIUL) and Consecutive
Transaction Counter International (CTCI) are present, the correct lengths and value
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


01 02 DF 21 01 01 DF 31 01 03 DF 51 01 02
▤ Profile: 1
✔ CTIUL (Tag '9F5E' or 'DF31' in 'BF57') is present
✔ CTIUL has valid length
✔ CTIUL value is not zero


Length.)
✔ VC.6.003.00.217 Passed. (Related Failure/Observation/Warning Message: Consecutive
Transaction International Upper Limit (CTIUL, tag '9F5E' or 'DF31' in 'BF57') value
must not be zero. Payment application declines Offline international transaction
when CTIUL is set to '00'.)
4.3.330 VC.6.004.00
Test description To ensure that Consecutive International Transactions (Currency) Upper Limit (Tag '9F5E' or


Limit Check
4.3.331 VC.6.005.00


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.3.332 VC.6.006.00
Verdict Passed

▤ Tag 9F 53: Consecutive Transaction Limit (International) [VSDC] : 01

▤ Tag 9F 5E: Consecutive Transaction International Upper Limit [VSDC] : 03
✔ VC.6.006.00.181 Passed. (Related Failure/Observation/Warning Message: CTCIL (Tag

'9F53' or 'DF21' in 'BF57') shall be lower than or equal to CTIUL (Tag '9F5E' or
'DF31' in 'BF57').)
4.3.333 VC.6.007.00

• Card supports Consecutive International Transaction Upper or Lower Limit Check

4.3.334 VC.6.008.00
Verdict Passed

• Card supports Consecutive International Transaction Upper or Lower Limit Check

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

01 02 DF 21 01 01 DF 31 01 03 DF 51 01 02
▤ Profile: 1
✔ VC.6.008.00.179 Passed. (Related Failure/Observation/Warning Message: Both CTCIL

(Tag '9F53' or 'DF21' in 'BF57') and CTIUL (Tag '9F5E' or 'DF31' in 'BF57') should
be present.)
4.3.335 VC.6.009.00
Verdict Passed
Test description To ensure that all associated data elements of Consecutive Transaction International Upper
Limit (CTIUL) (tag 9F5E and DF31 in BF57') are present.

VMCPS 1.4.x


▤ Code (num) = 00 51
▤ Code (an) = AMD

▤ Tag 9F 72: Consecutive Transaction Limit (International-Country) [VSDC] : <not
present>
01 02 DF 21 01 01 DF 31 01 03 DF 51 01 02
▤ Profile: 1
✔ VC.6.009.00.830 Passed. (Related Failure/Observation/Warning Message: Missing

associated data element (Application Currency Code (tag '9F51') and Consecutive
Transaction Counter International Limit (CTCIL) (tag '9F53') and/or Consecutive
Transaction Counter International Country Limit (CTCICL) (tag '9F72 or 'DF61 in
BF57').)
4.3.336 VC.7.001.00
Test description To ensure that Consecutive International Transactions (Country) Lower Limit (Tag '9F72') is
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Card does not support Consecutive International Transactions (Country) Lower
Limit Check
4.3.337 VC.7.002.00
Test description To ensure that Consecutive International Transactions (Country) Lower Limit (Tag '9F72') is not

• Card does not support Consecutive International Transaction Country Lower Limit
Check
4.3.338 VC.7.003.00
Test description To ensure that Consecutive International Transactions Country Lower Limit (Tag '9F72' or
'DF61' in 'BF57') and Consecutive Transaction Counter International Country (Tag 'DF51' in
'BF57') are present and the correct lengths (when applicable)


Card does not support Consecutive International Transactions (Country) Lower
Limit Check
4.3.339 VC.7.004.00
Verdict Passed
Test description To ensure that Consecutive International Transactions Country Lower Limit (Tag '9F72' or
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

• Card does not support Consecutive International Transaction Country Lower Limit
Check
present>
01 02 DF 21 01 01 DF 31 01 03 DF 51 01 02
▤ Profile: 1
✔ VC.7.004.00.1 Passed. (Related Failure/Observation/Warning Message: Velocity
checking not supported so data element is not required.)
4.3.340 VC.8.001.00
Test description To ensure that Consecutive International Transactions (Country) Upper Limit (Tag '9F5E') is


Card does not support Consecutive International Transaction (Country) Upper Limit
Check
4.3.341 VC.8.002.00
Test description To ensure that Consecutive International Transactions (Country) Upper Limit (Tag '9F5E') is not


Limit Check
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.342 VC.8.003.00
Test description To ensure that Consecutive International Transactions (Country) Upper Limit (Tag '9F5E' or
'DF31' in 'BF57') and CTCIC (Tag 'DF51' in 'BF57') are present and the correct lengths (when
applicable)


Card does not support Consecutive International Transaction (Country) Upper Limit
Check
4.3.343 VC.8.004.00
Test description To ensure that Consecutive International Transactions (Country) Upper Limit (Tag '9F5E' or


Limit Check
4.3.344 VC.8.005.00


CTCICL (Tag '9F 72') is not present
4.3.345 VC.8.006.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


CTCICL (Tag '9F 72' or 'DF 61' in 'BF 57') is not present
4.3.346 VC.8.007.00


Card does not support Consecutive International Transaction (Country) Upper and
Lower Limit Check
4.3.347 VC.8.008.00


Card does not support Consecutive International Transaction (Country) Upper and
Lower Limit Check
4.3.348 VC.11.001.00
Test description To ensure that Cumulative Total Transaction Amount Lower Limit (tag '9F54') is present and
the correct length (when applicable)


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.349 VC.11.002.00
Test description To ensure that Cumulative Total Transaction Amount Lower Limit (tag '9F54') is not present
(when not required)


Card supports CTTA Lower Limit Check
4.3.350 VC.11.003.00
Verdict Passed
Test description To ensure that Cumulative Total Transaction Amount Lower Limit (Tag '9F54' or 'DF21' in
'BF58') and Cumulative Total Transaction Amount (Tag 'DF11' in 'BF57') are present and the
correct lengths (when applicable)


▤ Tag BF 58: Amounts Data Template : DF 11
06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1
▤ Cumulative Total Transaction Amount : 00 00 00 00 00 00
▤ Cumulative Total Transaction Amount Limit : 00 00 00 00 00 00
▤ Cumulative Total Transaction Amount Upper Limit : 00 00 02 00 00 00
▤ Cumulative Total Transaction Amount – No CVM : <not present>
▤ Cumulative Total Transaction Amount Limit – No CVM : <not present>
✔ CTTAL (Tag '9F54' or 'DF21' in 'BF58') is present
✔ CTTAL has valid length
✔ CTTA (Tag 'DF11' in 'BF58') is present

✔ CTTA has valid length
✔ VC.11.003.00.160 Passed. (Related Failure/Observation/Warning Message: Amounts

supported.)
Length.)
4.3.351 VC.11.004.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
(when not required)


Card supports qVSDC Low Value and CTTA Check
4.3.352 VC.12.001.00
Test description To ensure that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C') is present and

• Card supports Cumulative Total Transaction Amount Upper Limit Check

4.3.353 VC.12.002.00
Test description To ensure that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C') is not present
(when not required)


Card supports Cumulative Total Transaction Amount Upper Limit Check
4.3.354 VC.12.003.00
Verdict Passed
Test description To ensure that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C' or 'DF31' in
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1
✔ CTTAUL (Tag '9F5C' or 'DF31' in 'BF58') is present
✔ CTTAUL has valid length


supported.)
Length.)
4.3.355 VC.12.004.00
Test description To ensure that Cumulative Total Transaction Amount Upper Limit (tag '9F5C') is not present
(when not required


Card supports CTTA Upper Limit Check
4.3.356 VC.12.005.00


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.3.357 VC.12.006.00
Verdict Passed

▤ Tag 9F 54: Cumulative Total Transaction Amount Limit [VSDC] : 00 00

00 00 00 00
02 00 00 00
✔ VC.12.006.00.184 Passed. (Related Failure/Observation/Warning Message: CTTAL (Tag

'9F54' or 'DF21' in 'BF58') shall be lower than or equal to CTTAUL (Tag '9F5C' or
'DF31' in 'BF58').)
4.3.358 VC.12.007.00

• Card supports CTTA Lower or Upper Limit Check

4.3.359 VC.12.008.00
Verdict Passed

• Card supports CTTA Lower or Upper Limit Check

00 00 00 00
02 00 00 00
06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Profile: 1

Cumulative Total Transaction Amount Limit (CTTAL, tag '9F54' or 'DF21' in 'BF58')
and Cumulative Total Transaction Amount Upper Limit (CTTAUL, tag '9F5C' or 'DF31' in
'BF58') should be present. Personalization of the CTTAUL is strongly recommended if
the Low Value AND CTTA check is supported.)
4.3.360 VC.13.001.00
Test description To ensure that Cumulative Total Transaction Amount Limit Check (Dual Currency) (Tag '9F75')
is present and the correct length (when applicable)


Card does not support CTTA (Dual Currency) Check
4.3.361 VC.13.002.00
Test description To ensure that Cumulative Total Transaction Amount Limit Check (Dual Currency) (Tag '9F75')
is not present (when not required)

• Card does not support CTTA (Dual Currency) Check

4.3.362 VC.19.001.00
Verdict Passed
Test description To ensure that when Consecutive Transaction card velocity check (CTC) is supported, the
Counters Data Template is present and formatted correctly.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
✔ Tag 'DF 11' in 'BF56' shall be present with a length of 1 byte

supported.)
Length.)
4.3.363 VC.20.001.00
Verdict Passed
Test description To ensure that when Cumulative Total Transaction Amount (CTTA) card velocity check is
supported, the Amounts Data Template is present and formatted correctly.


F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1

supported.)
Length.)
4.4 AID: 'A0 00 00 00 03 10 10' Tests on Contactless transaction with

Select Application and Get Data commands
4.4.1 AD.1.003.00
Verdict Passed
Test description To ensure FCI Proprietary Template is present, with (at a minimum) the mandatory data
element Processing Options Data Object List (PDOL) in its value.
▤ AD_1_003_00_ConditionsForExecution - xray.ICS.BMP 'BA 22 08'h

Specification: VCPS 1.4.2 VCPS 2.0.2 VCPS 2.1.x VCPS 2.2.x
▤ FCI of ADF: 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56 69 73 61 87 01 01 9F
38 0C 9F 66 04 9F 02 06 9F 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61
9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51
00 00 00 03 10 10
56 69 73 61
01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

cardholder
bit 7-5= 000 RFU
listed: 1
9F 66 04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag( 1) = 9F 66 [Terminal Transaction Qualifiers [qVSDC VCPS 2.2]]
▤ Tag : 9F 66
▤ Length: 04
▤ Name : Terminal Transaction Qualifiers [qVSDC VCPS 2.2]
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
65 6E 72 75
56 69 73 61
01
Identifier : 60 00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
✔ FCI Proprietary Template (Tag 'A5') is present in SELECT ADF response
✔ PDOL (Tag '9F38') is present in the FCI Proprietary Template (Tag 'A5')
✔ AD.1.003.00.3 Passed. (Related Failure/Observation/Warning Message: Missing

mandatory data element FCI Proprietary Template ('A5'))
4.4.2 AD.1.003.01
Test description To ensure that the Transaction Terminal Qualifier (TTQ) is present in the PDOL with the correct
length.

Specification: VCPS 1.4.2
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.4.3 AD.1.003.02
Verdict Passed
Test description To ensure that the PDOL contains the correct data elements, with the correct lengths.

Specification: VCPS 2.0.2 VCPS 2.1.x VCPS 2.2.x
▤ Tag 9F 38: Processing Options Data Object List (PDOL) : 9F 66

04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
✔ PDOL contains TTQ Tag '9F66'
✔ TTQ length is 4 bytes
✔ PDOL contains Amount, Authorized Tag '9F02'
✔ Amount, Authorized length is 6 bytes
✔ PDOL contains Unpredictable Number Tag '9F37'
✔ Unpredictable Number length is 4 bytes

mandatory data element Processing Options Data Object List (PDOL) ('9F 38'))
✔ AD.1.003.02.1 Passed. (Related Failure/Observation/Warning Message: Invalid
Length.)
4.4.4 AD.1.003.10
Test description To ensure that the PDOL has the correct value for VMCPS: '9F 66 04 9F 02 06 9F 03 06 9F 1A 02
95 05 5F 2A 02 9A 03 9C 01 9F 37 04 9F 4E 14'.

Specification: VMCPS 1.4.x
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.4.5 AD.1.004.00
Verdict Passed
Test description To ensure that if Application Label is present in the FCI Proprietary Template, it has a valid
length and is formatted correctly.

Specification: VCPS 1.4.2 VCPS 2.0.2 VCPS 2.1.x VCPS 2.2.x VMCPS 1.4.x

73 61
✔ Application Label contains only alphanumeric characters
✔ Application Label has upper case for all characters

Length.)
✔ AD.1.004.00.188 Passed. (Related Failure/Observation/Warning Message: Application
✔ AD.1.004.00.69 Passed. (Related Failure/Observation/Warning Message: Application
4.4.6 AD.1.005.00
Verdict Passed
Test description To ensure that Application Program ID is present, formatted correctly, and contains the
correct value.

Specification: VCPS 2.1.x VCPS 2.2.x VMCPS 1.4.x
▤ Tag 9F 5A: Application Program Identifier : 60 00

51 00 51
▤ Bytes 2-3 = 00 51 AMD
✔ Application Program ID has valid length (1-16 bytes)
✔ Application Program ID has binary format
✔ Byte 1 contains the value that corresponds to the region of the card's issuance
▤ Code (num) = 00 51
▤ Code (an) = AMD
▤ Tag 5F 28: Issuer Country Code : <not
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Tag 5F 28: Issuer Country Code : <not

present>
✔ Byte 2-3 contains the numeric currency code per ISO 4217
✔ Byte 4-5 contains the numeric country code per ISO 3166

mandatory data element Issuer Country Code [VSDC] ('9F 5A'))
Length.)
✔ AD.1.005.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
✔ AD.1.005.00.12 Passed. (Related Failure/Observation/Warning Message: Incorrect
value.)
4.4.7 CV.19.001.01
Test description To ensure that if the Consumer Device CVM is supported, the Consecutive Transaction Counter
Limit - No CVM (CTCL-NC) the Cumulative Total Transaction Amount Limit - No CVM (CTTAL-NC)
are not present

Specification: VCPS 2.2.x

▤ VIS 1.6.0
Application Version Number does not indicate that the card is compliant to VCPS
2.2.1 and above
Consumer Device CVM is not supported (CAP byte 3 bit 4 is not 1b)
4.4.8 CV.21.001.00
Test description To ensure that if the Consecutive Transaction Counter - No CVM (CTC-NC) or Cumulative Total
Transaction Amount - No CVM (CTTA-NC) Check is supported, the Cardholder Verification
Countries List is present and has the correct country code(s)


▤ VIS 1.6.0
2.2.1 and above
Transaction Counter - No CVM (CTC-NC) Check are both not supported
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.9 DE.6.003.01
match


4.4.10 DP.1.001.00


4.4.11 DP.1.001.00


4.4.12 DP.2.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.4.13 DP.2.001.00


4.4.14 DP.2.002.00
Test description To ensure that the Issuer Application Data bits of the Issuer Proprietary Bitmap are all set to
zero.


IPB (tag '9F56') is not present
4.4.15 ES.1.001.00
Verdict Passed
Test description To ensure that the ICC responds to the SELECT command with a valid Visa AID.


00 00 03 10 10
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

respond to Select command with valid Visa AID.)
4.4.16 ES.2.001.00
Verdict Passed
Test description To ensure that the response to the explicit SELECT command is correct.

▤ FCI of ADF: 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56 69 73 61 87 01 01 9F
38 0C 9F 66 04 9F 02 06 9F 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61
9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51
00 00 00 03 10 10
56 69 73 61
01
cardholder
bit 7-5= 000 RFU
listed: 1
9F 66 04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
65 6E 72 75
56 69 73 61
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

01
Identifier : 60 00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
✔ FCI Template (Tag '6F') is present
✔ DF Name (Tag '84') is present in the FCI Template
✔ FCI Proprietary Template (Tag 'A5') is present in the FCI Template
✔ DF Name (Tag '84') in the FCI Template matchs the value in the SELECT Command
✔ The length of the response: 66 bytes.
✔ The length of the FCI Template: 64 bytes.
✔ ES.2.001.00.6 Passed. (Related Failure/Observation/Warning Message: Data Element

element.)
✔ ES.2.001.00.412 Passed. (Related Failure/Observation/Warning Message: Mandatory
✔ ES.2.001.00.413 Passed. (Related Failure/Observation/Warning Message: Dedicated
File (DF) Name (Tag '84') in the response shall be the same value sent in the SELECT
Command.)
Length.)
✔ ES.2.001.00.923 Passed. (Related Failure/Observation/Warning Message: Padding is
not allowed anywhere within the FCI template.)
4.4.17 ES.2.001.01
Verdict Passed


00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.18 ES.3.001.00
Verdict Passed
Test description To ensure that the response to an explicit SELECT command is correctly formatted.

▤ FCI of ADF: 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56 69 73 61 87 01 01 9F
38 0C 9F 66 04 9F 02 06 9F 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61
9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51
00 00 00 03 10 10
56 69 73 61
01
cardholder
bit 7-5= 000 RFU
listed: 1
9F 66 04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
65 6E 72 75
56 69 73 61
01
Identifier : 60 00 51 00 51
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Bytes 2-3 = 00 51 AMD
✔ ES.3.001.00.307 Passed. (Related Failure/Observation/Warning Message: Unexpected

data element in the template.)
4.4.19 ES.4.001.00
Verdict Passed
Test description To ensure that the Proprietary Application Identifier Extensions (PIX) is the correct length.


00 00 03 10 10
▤ Proprietary Application Identifier Extensions (PIX): 10 10

Length.)
4.4.20 ES.5.001.00
Verdict Passed
Test description To ensure that the length and value of the RID are correct.


00 00 03 10 10
▤ Registered Application Provider Identifier (RID): A0 00 00 00 03

Length.)
4.4.21 GE.2.001.00
Verdict Passed
Test description To ensure that contact-only records cannot be read over the contactless interface.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Contact AFL: 08 02 02 00 10 01 02 00 28 01 03 01
▤ Contactless AFLs:
18 02 02 00
18 01 02 01 10 01 04 00
✔ Cold Card Reset

◯ Comparing atr
⃖ Evaluated: 3B 88 80 01 99 02 00 D1 03 04 22 01 67
▤ TS '3B'h
▤ T0 '88'h
▤ TA1 ''h
▤ TB1 ''h
▤ TC1 ''h
▤ TD1 '80'h
▤ TA2 ''h
▤ TB2 ''h
▤ TC2 ''h
▤ TD2 '01'h
▤ TA3 ''h
▤ TB3 ''h
▤ TC3 ''h
▤ TD3 ''h
▤ TA4 ''h
▤ TB4 ''h
▤ TC4 ''h
▤ TD4 ''h
▤ THist '99 02 00 D1 03 04 22 01'h
▤ TChk '67'h
⇦ Expected: .. ?? .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
▤ TS union
▤ '3B'h
▤ '3F'h
▤ T0 ??
▤ TA1 switch
▤ TB1 switch
▤ TC1 switch
▤ TD1 switch
▤ TA2 switch
▤ TB2 switch
▤ TC2 switch
▤ TD2 switch
▤ TA3 switch
▤ TB3 switch
▤ TC3 switch
▤ TD3 switch
▤ TA4 switch
▤ TB4 switch
▤ TC4 switch
▤ TD4 switch
▤ THist intersection
▤ QS {..}
▤*
▤ TChk switch
✔ Select Application: 2PAY.SYS.DDF01
⃗
▤ Class: 00 No secure
messaging
▤ Ins: A4 Select
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Ins: A4 Select
▤ P1: 04 Select by name
▤ P2: 00 First or only occurrence
▤ Lc: 0E
▤ Data: 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31
▤ Le: 00
⃖ Response
▤ Data:
▤ 6F 29 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46
▤ 30 31 A5 17 BF 0C 14 61 12 4F 07 A0 00 00 00 03
▤ 10 10 50 04 56 69 73 61 87 01 01
▤ SW: 90 00
▤ Tag 84 : Dedicated File (DF) Name : 32
50 41 59 2E 53 59 53 2E 44 44 46 30 31
▤ PPSE Directory File Name = 2PAY.SYS.DDF01
▤ Tag 61 : Application Template
▤ Tag 4F : Application Identifier
(AID) : A0 00 00 00 03 10 10
▤ Tag 50 : Application
Label : 56 69 73 61
▤ Tag 87 : Application Priority
Indicator : 01
▤ Byte 1 bit 8 = 0 Application may be selected without
confirmation of cardholder
bit 7-5= 000 RFU
listed: 1
✔ Select Application: A0 00 00 00 03 10 10
⃗
messaging
▤ Ins: A4 Select
▤ Lc: 07
▤ Data: A0 00 00 00 03 10 10
▤ Le: 00
⃖ Response
▤ Data:
▤ 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56
▤ 69 73 61 87 01 01 9F 38 0C 9F 66 04 9F 02 06 9F
▤ 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56
▤ 69 73 61 9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51
▤ 00 51
▤ SW: 90 00
00 00 00 03 10 10
56 69 73 61
01
cardholder
bit 7-5= 000 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 7-5= 000 RFU

listed: 1
9F 66 04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
65 6E 72 75
56 69 73 61
01
Identifier : 60 00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
✔ Get Processing Options
▤ PDOL Data
▤ Tag 9F 66: Terminal Transaction Qualifiers [qVSDC VCPS 2.2] : A7
00 00 00
▤ Byte 1 bit 8 = 1 MSD supported
▤ Byte 1 bit 6 = 1 qVSDC supported
▤ Byte 1 bit 5 = 0 EMV contact chip not supported
▤ Byte 1 bit 4 = 0 Reader is Online Capable
▤ Byte 1 bit 3 = 1 Online PIN supported
▤ Byte 1 bit 2 = 1 Signature supported
▤ Byte 1 bit 1 = 1 Offline Data Authentication (ODA) for Online
Authorizations supported
▤ Byte 2 bit 8 = 0 Online cryptogram not required
▤ Byte 2 bit 7 = 0 CVM not required
▤ Byte 2 bit 6 = 0 (Contact Chip) Offline PIN not supported
▤ Byte 3 bit 8 = 0 Issuer Update Processing not supported
▤ Byte 3 bit 7 = 0 Mobile functionality not supported (Consumer Device
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Byte 3 bit 7 = 0 Mobile functionality not supported (Consumer Device

CVM)
▤ Tag 9F 02: Transaction Amount : 00
00 00 00 00 01
▤ Tag 9F 37: Unpredictable Number : 01
02 03 04
▤ Tag 5F 2A: Transaction Currency Code : 06
43
▤ Code (num) = 06 43
▤ Code (an) = RUB
▤ Currency = Russian Ruble
⃗
messaging
▤ Ins: A8 Get Processing Options
▤ P1: 00
▤ P2: 00
▤ Lc: 12
▤ Data: 83 10 A7 00 00 00 00 00 00 00 00 01 01 02 03 04 06 43
▤ Le: 00
⃖ Response
▤ Data:
▤ 77 81 DA 82 02 20 20 94 08 18 01 02 01 10 01 04
▤ 00 57 13 48 89 62 00 14 09 79 20 D2 50 52 21 17
▤ 71 68 80 00 00 0F 5F 20 02 20 2F 5F 34 01 01 9F
▤ 10 07 06 01 11 03 90 20 00 9F 26 08 82 67 77 BA
▤ 17 3E 2C 34 9F 27 01 40 9F 36 02 00 07 9F 4B 81
▤ 80 07 1A 3A 95 32 25 15 B9 8A 83 E2 FA 3C 33 C4
▤ 7D 1E 98 0A B2 C3 B7 CD 23 8C 52 DB BA 98 1D FC
▤ FD A1 EA 88 99 45 BA EC C3 5D DE A8 03 60 73 58
▤ B4 33 FD 4F B7 BE 73 B2 36 B6 59 D0 4F 02 53 7F
▤ A6 C4 29 C0 5D CE 77 B9 60 BC F9 24 F6 0B CC 72
▤ 52 D2 0E 41 33 EF E4 C5 B2 77 31 D4 F5 6C FF A7
▤ 38 9F 22 BB 5B 8F 4E C0 F1 F4 BD 15 54 BA 0D F6
▤ 9C 36 B4 85 E2 B1 8B AC AB 11 67 CE 70 16 83 2A
▤ 02 9F 6C 02 28 00 9F 6E 04 20 70 00 00
▤ SW: 90 00
▤ Tag 77 : Response Message Template Format 2
▤ Tag 82 : Application Interchange Profile [VCPS] : 20
20
for online authorizations
bit 5 = 0 Not used for VCPS
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 2 = 0 RFU / Not used for VCPS (VCPS 2.2)
Byte 2 bit 8 = 0 MSD is NOT supported
bit 7 = 0 Mobile handset
bit 6 = 1 Contactless transaction
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
01 02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
▤ Tag 57 : Track 2 Equivalent Data : 48
89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
▤ Separator field = D
▤ Expiry Date (YY/MM) = 25/05
▤ Service Code = 221
▤ Discretionary Data = 1771688000000F
▤ (may be padded with one 'F')
▤ Tag 5F 20: Cardholder Name : 20
2F
▤ Text value = /
01 11 03 90 20 00
▤ VISA Discretionary Data : 06 01 11 03 90 20 00
▤ Cryptogram Version Number = 11
▤ Card Verification Results (CVR) = 03 90 20 00
bit 6-5 = 01 AC returned in 1st GENERATE AC: TC
performed
bit 2 = 0 Offline PIN verification passed or not
performed
▤ Byte 3 bit 8 = 0 Last online transaction completed
bit 4 = 0 Issuer Authentication successful on last
online transaction or not performed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 2 = 0 Offline dynamic data authentication not
performed
not supported)
67 77 BA 17 3E 2C 34
▤ Byte 1 bit 8-7 = 01 TC
▤ Tag 9F 36: Application Transaction Counter (ATC) : 00
07
▤ Tag 9F 4B: Signed Dynamic Application Data : 07
1A 3A 95 32 25 15 B9 8A 83 E2 FA 3C 33 C4 7D 1E 98 0A B2 C3 B7 CD 23 8C 52 DB
BA 98 1D FC FD A1 EA 88 99 45 BA EC C3 5D DE A8 03 60 73 58 B4 33 FD 4F B7 BE
73 B2 36 B6 59 D0 4F 02 53 7F A6 C4 29 C0 5D CE 77 B9 60 BC F9 24 F6 0B CC 72
52 D2 0E 41 33 EF E4 C5 B2 77 31 D4 F5 6C FF A7 38 9F 22 BB 5B 8F 4E C0 F1 F4
BD 15 54 BA 0D F6 9C 36 B4 85 E2 B1 8B AC AB 11 67 CE 70 16 83 2A 02
▤ Tag 9F 6C: Card Transaction Qualifiers [qVSDC VCPS 2.2] : 28
00
▤ Byte 1 bit 8 = 0 Online PIN not required
bit 7 = 0 Signature not required
bit 6 = 1 Go online if Offline Data Authentication fails and
Reader is online capable
bit 5 = 0 Do not switch interface if Offline Data
Authentication fails and Reader supports contact chip
bit 4 = 1 Go Online if Application Expired
bit 3 = 0 Do not switch interface for Cash Transactions
bit 2 = 0 Do not switch interface for Cashback Transactions
bit 1 = 0 Valid for contactless ATM transactions
Byte 2 bit 8 = 0 Consumer Device CVM not performed
bit 7 = 0 Card does not support Issuer Update Processing at the
POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Tag 9F 6E: Form Factor Indicator [qVSDC] : 20
70 00 00
▤ Byte 1 bit 8-6 = 001 Form Factor Indicator Version Number: 1
bit 5-1 = 00000 Consumer Payment Device Form Factor: Standard Card
▤ Byte 2 bit 8 = 0 The Consumer Payment Device is not passcode capable
bit 7 = 1 The Consumer Payment Device has a signature panel
bit 6 = 1 The Consumer Payment Device has a hologram
bit 5 = 1 The Consumer Payment Device is capable of CVV2
bit 4 = 0 The Consumer Payment Device is incapable of two-
way messaging
bit 3 = 0 The Consumer Payment Device is not using cloud-
based payment credentials
bit 2 = 0 The Consumer Payment Device is using Biometric
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Cardholder Verification not Capable
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
▤ Byte 4 bit 8-5: RFU
bit 4-1: 0000 Payment Transaction Technology: Proximity
contactless interface using ISO 14443
✔ Read Record 2 of SFI 1
⃗
messaging
▤ Ins: B2 Read Record SFI 1
▤ P1: 02 Record 2
▤ P2: 0C SFI 1
▤ Lc:
▤ Data:
▤ Le: 00
⃖ Response
▤ Data:
▤ SW: 6A 83
⃗
messaging
▤ P1: 01 Record 1
▤ P2: 2C SFI 5
▤ Lc:
▤ Data:
▤ Le: 00
⃖ Response
▤ Data:
▤ SW: 6A 83
⃗
messaging
▤ P1: 02 Record 2
▤ P2: 2C SFI 5
▤ Lc:
▤ Data:
▤ Le: 00
⃖ Response
▤ Data:
▤ SW: 6A 83
⃗
messaging
▤ P1: 03 Record 3
▤ P2: 2C SFI 5
▤ Lc:
▤ Data:
▤ Le: 00
⃖ Response
▤ Data:
▤ SW: 6A 83
✔ GE.2.001.00.309 Passed. (Related Failure/Observation/Warning Message: Contact-
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ GE.2.001.00.309 Passed. (Related Failure/Observation/Warning Message: Contact-

only record was readable over the contactless interface.)
4.4.22 GE.3.001.00
Verdict Passed


none

are none.)
card are none.)
4.4.23 GE.3.002.00
Verdict Passed


4.4.24 ID.1.001.00
settings
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.4.25 ID.1.002.00
Verdict Passed
settings


00 00 00 00
transaction online
failed
transaction online
current transaction
GENERATE AC
log
log
log
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
derivation
bit 7-1 = 0000000 RFU
✔ ADA Byte 4 bits 4-1, Byte 5 bits 8-5, and Byte 6 set to 0

Length.)
4.4.26 ID.1.003.00
Test description To ensure that Application Default Action (Tag '9F52') is not present when it is not required.

VMCPS 1.4.x
▤ Issuer Authentication is NOT supported

• Transaction Logging is not supported

Offline PIN is supported
4.4.27 ID.1.004.01
Test description To ensure that if the Application Default Action is present, it has the correct length and RFU/"
Not used for VCPS" settings
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


▤ VIS 1.6.0
2.2.1 and above
Application is not contactless-only
4.4.28 ID.1.004.02
Verdict Passed
settings


▤ VIS 1.6.0
00 00 00 00
transaction online
failed
transaction online
current transaction
GENERATE AC
log
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

log
log
transactions
card with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
derivation
bit 7-1 = 0000000 RFU
✔ ADA Byte 4 bits 4-1, Byte 5 bits 8-5, and Byte 6, bits 7-1 set to 0

Length.)
4.4.29 ID.1.004.05
Test description To ensure that if the Application Default Action is present, it has the correct length and RFU/"
Not used for VCPS" settings


4.4.30 ID.4.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure that the Card CVM Limit (Tag '9F6B') is the correct length and format (if present)


Card CVM Limit (tag '9F6B') is not present
4.4.31 ID.4.002.00
Verdict Passed
Test description To check that the Card CVM Limit is not present or if present, contains the maximum possible
value

▤ Tag 9F 6B: Card CVM Limit [qVSDC] : <not

present>
✔ ID.4.002.00.66 Passed. (Related Failure/Observation/Warning Message: Card CVM

Limit (tag '9F6B') should not be present or, when present, it must contain the
maximum possible value.)
4.4.32 ID.6.001.00
Verdict Passed
Test description To ensure that VLP Available Funds data element is present and has the correct length and
format (when applicable)

• Card supports Low Value Check and Low Value and CTTA Check
▤ Tag 9F 79: VLP Available Funds [VSDC] : 00 00
00 00 00 00
✔ VLP Available Funds length is 6 bytes
✔ VLP Available Funds format: numeric
✔ ID.6.001.00.551 Passed. (Related Failure/Observation/Warning Message: Required

VLP data element not present.)
Length.)
✔ ID.6.001.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.33 ID.8.001.00
Test description To ensure that VLP Reset Threshold data element has the correct length and format (when
applicable)


VLP Reset Threshold (Tag '9F 6D' or 'DF 61' in 'BF 55' is not present.
4.4.34 ID.8.002.00
Test description To ensure that the VLP Reset Threshold data element is not present (when not applicable)


Card supports Low Value Check or Low Value and CTTA Check
4.4.35 ID.8.003.00
Test description To ensure that the VLP Reset Threshold is less than or equal to the VLP Funds Limit (when
applicable)


VLP Reset Threshold (Tag '9F6D') is not present
4.4.36 ID.9.001.00
Verdict Passed
Test description To ensure that the VLP Single Transaction Limit data element has the correct length and

▤ Tag 9F 78: VLP Single Transaction Limit [VSDC] : 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Tag 9F 78: VLP Single Transaction Limit [VSDC] : 00 00

00 00 00 00
✔ VLP Single Transaction Limit length is 6 bytes
✔ VLP Single Transaction Limit format: numeric

Length.)
✔ ID.9.001.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
4.4.37 ID.10.001.00
Test description To ensure the Contactless CVM Priority List (if present) has the correct length and value


Contactless CVM Priority List (tag 'DF 05' in template 'BF 5B') is not present
4.4.38 ID.11.001.00
Test description To ensure Geographic Restrictions functionality 'Restricted for domestic transactions' and
'Restricted for international transactions' are both not activated

▤ Tag DF 06: Unknown Data Element : <not

present>
▤ VIS 1.6.0
1.6.3/VCPS 2.2.4
4.4.39 ID.11.001.01
Test description To ensure Issuer Country Code (tag '9F57') is present when Geographic Restrictions
functionality is supported

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

present>
▤ VIS 1.6.0
1.6.3/VCPS 2.2.4
4.4.40 ID.11.001.02
Test description To ensure PDOL is present and contains Terminal Country Code (tag '9F1A') if Geographic
Restrictions functionality is supported.


present>
▤ VIS 1.6.0
1.6.3/VCPS 2.2.4
Contactless application does not support CVN 17 (see ICS)
4.4.41 MS.1.001.00
Verdict Failed
Test description To ensure that Track 1 is present and formatted correctly

▤ Track 1:
▤ Track 1 (ASCII) :
4.4.42 MS.1.002.00
Test description To ensure the consistency of data elements between Track 1 Data and Track 2 Data on the
magnetic stripe
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.4.43 MS.2.001.00
Verdict Failed
Test description To ensure the Track 2 on the magnetic stripe is present and is formatted correctly

▤ Track 2:
▤ Track 2 ISO (ASCII) :
4.4.44 PP.1.001.00
Verdict Passed
Test description To ensure that the response of the SELECT PPSE command is correct

▤ FCI of PPSE: 6F 29 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 17 BF 0C 14
61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1
✔ PP.1.001.00.5 Passed. (Related Failure/Observation/Warning Message: Data Element

shall be encoded in TLV format.)
✔ PP.1.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Length.)
✔ PP.1.001.00.412 Passed. (Related Failure/Observation/Warning Message: Mandatory
4.4.45 PP.1.002.00
Verdict Passed
Test description To ensure that the DF Name is correctly formatted and contains a valid value

61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1

Length.)
4.4.46 PP.1.003.00
Verdict Passed
Test description To ensure that the FCI Proprietary Template contains the mandatory data element FCI Issuer
Discretionary Data included in its value

61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1
✔ PP.1.003.00.3 Passed. (Related Failure/Observation/Warning Message: Missing

mandatory data element FCI Issuer Discretionary Data ('BF 0C'))
4.4.47 PP.1.003.01
Verdict Passed
Test description To ensure that a minimum of one Directory Entry is present in the FCI Issuer Discretionary
Data with the mandatory data element DF Name included in its value

61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1
▤ Directory Entry 01: 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01

▤ Tag 4F : Application Identifier (AID) : A0 00
00 00 03 10 10
▤ Tag 50 : Application Label : 56
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

69 73 61
cardholder
bit 7-5= 000 RFU
bit 4-1= 0001 Order number in which the application is to be listed:
1
✔ PP.1.003.01.3 Passed. (Related Failure/Observation/Warning Message: Missing

mandatory data element DF Name ('4F'))
4.4.48 PP.1.003.02
Verdict Passed
Test description To ensure that the mandatory data element DF Name has a valid length and the correct value

61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1

00 00 03 10 10
69 73 61
cardholder
bit 7-5= 000 RFU
1
▤ DF Name in Directory Entry 01: A0 00 00 00 03 10 10
✔ DF Name has valid length
✔ DF Name has valid value
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ DF Name has valid length

✔ DF Name has valid value

Length.)
4.4.49 PP.1.003.03
Verdict Passed
Test description To ensure that if the Application Label is present in the Directory Entry (Tag '61'), it has a valid
length and is formatted correctly

61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1

00 00 03 10 10
69 73 61
cardholder
bit 7-5= 000 RFU
1
▤ Application Label in Directory Entry 01: 56 69 73 61
✔ Application Label has valid length
✔ PP.1.003.03.8 Passed. (Related Failure/Observation/Warning Message: Format not

correct.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.50 PP.1.003.04
Test description To ensure that if multiple Directory Entries are present in the FCI Issuer Discretionary Data
(Tag 'BF 0C'), the Application Priority Indicator is present in each Directory Entry, with the
correct length, format, and value; and Applications in the PPSE have different AIDs


Not a multi-application card
4.4.51 PP.1.003.06
Verdict Passed
Test description To ensure that several data elements of the PPSE do not occur more than once.


50 41 59 2E 53 59 53 2E 44 44 46 30 31
▤ Tag 4F : Application Identifier (AID) :
A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
▤ Byte 1 bit 8 = 0 Application may be selected without confirmation
of cardholder
bit 7-5= 000 RFU
listed: 1
✔ PP.1.003.06.835 Passed. (Related Failure/Observation/Warning Message: Tag '6F'

occurs more than once in the PPSE FCI root.)
✔ PP.1.003.06.836 Passed. (Related Failure/Observation/Warning Message: Tag '84'
occurs more than once in the PPSE FCI root under tag '6F'.)
✔ PP.1.003.06.837 Passed. (Related Failure/Observation/Warning Message: Tag 'A5'
occurs more than once in the PPSE FCI root under tag '6F'.)
✔ PP.1.003.06.838 Passed. (Related Failure/Observation/Warning Message: Tag 'BF 0C'
occurs more than once in the PPSE FCI root under tag 'A5'.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.52 PP.1.003.07
Verdict Passed
Test description To ensure that the PPSE FCI does not contain any spacing or other tags besides tag '6F'.

▤ PPSE FCI: 6F 29 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 17 BF 0C 14 61
12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1
✔ PP.1.003.07.820 Passed. (Related Failure/Observation/Warning Message: Spacing

occurs in the root of the PPSE FCI.)
✔ PP.1.003.07.823 Passed. (Related Failure/Observation/Warning Message: Extra tags
occur in the root of the PPSE FCI.)
4.4.53 PP.1.003.08
Verdict Passed
Test description To ensure that FCI template '6F' in PPSE FCI does not contain any spacing or tags other than
'84' and 'A5'.

▤ PPSE FCI: 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 17 BF 0C 14 61 12 4F
07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
▤ Tag 4F : Application Identifier (AID) :
A0 00 00 00 03 10 10
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Label : 56 69 73 61
Indicator : 01
▤ Byte 1 bit 8 = 0 Application may be selected without confirmation
of cardholder
bit 7-5= 000 RFU
listed: 1

occurs under tag '6F' in the root of PPSE FCI.)
✔ PP.1.003.08.824 Passed. (Related Failure/Observation/Warning Message: Extra tags
occur under tag '6F' in the root of PPSE FCI.)
4.4.54 PP.1.003.09
Verdict Passed
Test description To ensure FCI Issuer Discretionary Data (tag 'BF0C') in the FCI Template (tag '6F') does not
contain any spacing

▤ FCI Issuer Discretionary Data : 61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61

87 01 01
▤ Tag 4F : Application Identifier (AID) : A0
00 00 00 03 10 10
69 73 61
cardholder
bit 7-5= 000 RFU
listed: 1

occurs under tag 'BF0C' in the FCI template '6F' in the root of PPSE FCI.)
4.4.55 PP.1.003.10
Verdict Passed
Test description To ensure that the Application Priority Indicator, Application Label, and Application Identifier
do not occur more than once in each Directory Entry under FCI Issuer Discretionary Data.

▤ Directory Entry under FCI Issuer Discretionary Data :
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Directory Entry under FCI Issuer Discretionary Data :

00 00 03 10 10
69 73 61
cardholder
bit 7-5= 000 RFU
1
✔ Application Identifier (Tag '4F') does not occur more than once
✔ Application Label (Tag '50') does not occur more than once
✔ Application Priority Indicator (Tag '87') does not occur more than once
✔ PP.1.003.10.839 Passed. (Related Failure/Observation/Warning Message: Tag '4F'

occurs more than once in the PPSE FCI Issuer Discretionary Data under tag '61'.)
occurs more than once in Directory Entry under FCI Issuer Discretionary Data.)
occurs more than once in Directory Entry under FCI Issuer Discretionary Data.)
4.4.56 PP.1.003.11
Verdict Passed
Test description To ensure that the length of the Application Identifier (tag '4F') is correct.

• Number of applications found in the PPSE: 1
✔ Single application with AID A0 00 00 00 03 10 10 has the minimum required length

of 7.
✔ PP.1.003.11.849 Passed. (Related Failure/Observation/Warning Message: The AID

shall have a minimum length of 7 bytes if a single contactless application is
supported.)
4.4.57 PP.1.003.12


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.58 PP.1.004.00
Verdict Passed
Test description To ensure that if the Kernel ID is present, it is the correct length

61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
50 41 59 2E 53 59 53 2E 44 44 46 30 31
(AID) : A0 00 00 00 03 10 10
Label : 56 69 73 61
Indicator : 01
bit 7-5= 000 RFU
listed: 1

00 00 03 10 10
69 73 61
cardholder
bit 7-5= 000 RFU
1
▤ Kernel Identifier in Directory Entry 01: <not present>

Length.)
4.4.59 SE.2.001.00
Verdict Passed
Test description To ensure that the Application Preferred Name is formatted correctly (if present)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

73 61
correct.)
4.4.60 SE.2.002.00
Verdict Passed
Test description To ensure that the Issuer Code Table Index is present when the Application Preferred Name is
present


Data Element (Issuer Code Index Table (Tag '9F11')) shall be present if Application
Preferred Name (Tag '9F12') is present.)
4.4.61 SE.3.002.00
Verdict Passed
Test description To ensure that the Application Label (if present) specifies that the card is a Visa application


73 61
Label shall contain the word "Visa" or "VISA".)
4.4.62 SE.3.003.00
Test description To ensure that the Application Label (if present) contains the correct value for a Visa Electron
application
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.4.63 SE.3.004.00
Test description To ensure that the Application Label (if present) contains the correct for a Visa Plus application


4.4.64 SE.3.005.00
Test description To check that the Application Label is consistent with the Visa recommended value for DPA

VMCPS 1.4.x

4.4.65 SE.6.001.00
Verdict Passed
Test description To ensure that the Application Priority Indicator (if present) contains the correct length and
value


cardholder
bit 7-5= 000 RFU
Length.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.4.66 SE.6.002.00
Verdict Passed
Test description To check that cardholder confirmation is not supported (when applicable)


cardholder
bit 7-5= 000 RFU
• Contactless application.
Priority Indicator (tag '87') byte 1 bit 8 must be set to 0b.)
4.4.67 SE.6.003.00
Test description To check that the Application Priority Indicator is not set to 0 (for a multi-payment card)

VMCPS 1.4.x

Not a multi-application card.
4.4.68 SE.6.003.01
Verdict Observation
Test description To check that the Application Priority Indicator is not present when it is not required (if there is
only a single application on the card).

• Single - application card.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

cardholder
bit 7-5= 000 RFU
! SE.6.003.01.800 Observation: Since there is only a single application on the card,

the Application Priority Indicator is not required to be personalized.
4.4.69 SE.8.001.00
Verdict Passed
Test description To ensure that, if Issuer Code Table Index (tag '9F11') is present, it has a correct length and
value.

▤ Issuer Code Table Index in FCI:


Length.)
4.4.70 SE.8.002.00
Test description To ensure that Issuer Code Table Index is not present when it is not required.


73 61

Application Preferred Name (tag '9F12') is present.
4.4.71 SE.11.001.00
Verdict Passed
Test description To ensure that the File Control Information (FCI) Issuer Discretionary Data is correctly
formatted(if present) and not allowed data elements are not present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Tag BF 0C: File Control Information (FCI) Issuer Discretionary Template : 9F 5A

05 60 00 51 00 51
✔ SE.11.001.00.6 Passed. (Related Failure/Observation/Warning Message: Data Element
element.)
Control Information (FCI) Template ('6F') must not be present in FCI Issuer
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Dedicated
File (DF) Name ('84') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Control Information (FCI) Proprietary Template ('A5') must not be present in FCI
Issuer Discretionary Data (tag 'BF0C').)
Application Label ('50') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Application Priority Indicator ('87') must not be present in FCI Issuer
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Processing
Options Data Object List (PDOL) ('9F 38') must not be present in FCI Issuer
Preference ('5F 2D') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Code Table Index ('9F 11') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Application Preferred Name ('9F 12') must not be present in FCI Issuer Discretionary
Data (tag 'BF0C').)
✔ SE.11.001.00.211 Passed. (Related Failure/Observation/Warning Message: Short File
Identifier (SFI) ('88') must not be present in FCI Issuer Discretionary Data (tag
'BF0C').)
Application Identifier (AID) ('4F') must not be present in FCI Issuer Discretionary
Data (tag 'BF0C').)
Application Template ('61') must not be present in FCI Issuer Discretionary Data
(tag 'BF0C').)
Discretionary Template ('73') must not be present in FCI Issuer Discretionary Data
(tag 'BF0C').)
Definition File (DDF) Name ('9D') must not be present in FCI Issuer Discretionary
Data (tag 'BF0C').)
associated with 'BF0C' shall be 222 at maximum.)
4.4.72 SE.12.001.00
Verdict Passed
Test description To ensure File Control Information (FCI) Proprietary Template is present in SELECT response
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


56 69 73 61 87 01 01 9F 38 0C 9F 66 04 9F 02 06 9F 37 04 5F 2A 02 5F 2D 04 65 6E 72
75 9F 12 04 56 69 73 61 9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51
mandatory data element File Control Information (FCI) Proprietary Template ('A5'))
4.4.73 SE.12.002.00
Verdict Passed
Test description To check the Application Definition File (ADF) File Control Information (FCI) Proprietary
template 'A5' contains data defined by EMV only. Allowed EMV tags: 50, 87, 9F38, BF0C, 9F11,
9F12, 5F2D, 9F2A, 9F29. No other tags should be present.


56 69 73 61 87 01 01 9F 38 0C 9F 66 04 9F 02 06 9F 37 04 5F 2A 02 5F 2D 04 65 6E 72
75 9F 12 04 56 69 73 61 9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51

data element> ('') shall not be present in the FCI Proprietary template 'A5'.)
4.4.74 SE.12.003.00
Verdict Passed
Test description To ensure that the Application Definition File (ADF) File Control Information (FCI) Template '6F'
does not contain any data elements other than DF Name and FCI Proprietary Template.

▤ ADF FCI: 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56 69 73 61 87 01 01 9F 38
0C 9F 66 04 9F 02 06 9F 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56 69 73 61 9F
11 01 01 BF 0C 08 9F 5A 05 60 00 51 00 51
00 00 00 03 10 10
56 69 73 61
01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

cardholder
bit 7-5= 000 RFU
listed: 1
9F 66 04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
65 6E 72 75
56 69 73 61
01
Identifier : 60 00 51 00 51
▤ Bytes 2-3 = 00 51 AMD

data element> ('') shall not be present in the Application Definition File (ADF)
File Control Information (FCI) Template '6F'.)
4.4.75 SE.19.001.00
Verdict Passed
Test description To ensure that Language Preference (if present) is formatted correctly and contains a valid
value

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

72 75
• Code: en, language: English

Length.)
ISO639 code.)
Preference (Tag '5F2D') shall be encoded in lowercase alphabetical characters only.)
4.4.76 SE.20.001.00
Verdict Passed
Test description To check that the tags and lengths of data elements listed in the Processing Options Data
Object List (PDOL) (if present) are valid


04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02

elements listed in Processing Options Data Object List (tag '9F38') shall contain
valid (recognized) Tags and Lengths. Terminal will zero fill the values for
unrecognized tags.)
4.4.77 SE.20.002.00
Verdict Passed
Test description To ensure the Processing Options Data Object List (PDOL) is present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


04 9F 02 06 9F 37 04 5F 2A 02
▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
mandatory data element Processing Options Data Object List (PDOL) ('9F 38'))
4.4.78 SH.1.001.00
Verdict Passed
Test description To ensure the Application Capabilities (if present) has the correct length and value

Specification: VCPS 2.1.x VCPS 2.2.x
▤ Application Capabilities : 00 00
Length.)
✔ SH.1.001.00.4 Passed. (Related Failure/Observation/Warning Message: All RFU/'Not
4.4.79 SH.2.001.00
Verdict Passed
Test description To ensure that the Application Currency Code (Visa Proprietary Data) is formatted correctly
and contains valid data (if present)

VMCPS 1.4.x

▤ Code (num) = 00 51
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Code (num) = 00 51
▤ Code (an) = AMD
Length.)
✔ SH.2.001.00.2 Passed. (Related Failure/Observation/Warning Message: Invalid ISO
4217 code.)
4.4.80 SH.2.002.00
Verdict Passed
Test description To ensure that the Application Currency Code (Visa Proprietary Data) is present (when
required)

VMCPS 1.4.x

▤ Code (num) = 00 51
▤ Code (an) = AMD
Currency Code (Visa Proprietary Data) (Tag '9F51') is missing when required.)
4.4.81 SH.2.004.00
Test description To check that the Application Currency Code (Visa Proprietary Data) is correct (if present)

VMCPS 1.4.x

Issuer Country Code (tag '5F 28') is not present
4.4.82 SH.5.001.00
Test description To ensure that the Available Offline Spending Amount is formatted correctly (if present)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
VMCPS 1.4.x

Available Offline Spending Amount (tag '9F 5D') is not present
4.4.83 SH.5.003.00

Specification: VCPS 2.0.2

4.4.84 SH.5.004.00


4.4.85 SH.6.001.03
Test description To ensure that the Card Additional Processes element has the correct value for VCPS 2.1.x and
2.2


Card is online only
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.86 SH.6.001.04
Verdict Passed
Test description To ensure that if the Card Additional Processes data element is present, it is the correct length
and all the RFU bits have a zero value

Specification: VCPS 2.2.x VMCPS 1.4.x

F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Length.)
4.4.87 SH.6.001.05
Verdict Passed
Test description To ensure the Card Additional Processes data element is present, it is the correct length and
all the RFU bits have a zero value
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Length.)
4.4.88 SH.6.001.06
Verdict Passed
Test description To ensure the Card Additional Processes data element is present, it is the correct length and
all the RFU bits have a zero value

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Length.)
4.4.89 SH.6.002.00
Verdict Passed
Test description To check that Cumulative Total Transaction Amount Upper Limit is present when 'Low Value


02 00 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Additional Processes (Tag '9F68') Byte 1, Bit 7 is set, it is highly recommended
that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C') be personalized.)
4.4.90 SH.6.002.01
Verdict Passed
Test description To ensure that Cumulative Total Transaction Amount Upper Limit is present when 'Low Value

Specification: VIS 1.6.x VCPS 2.2.x VMCPS 1.4.x

F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
02 00 00 00
✔ SH.6.002.01.224 Passed. (Related Failure/Observation/Warning Message: Cumulative
Total Transaction Amount Upper Limit (tag '9F5C') shall be personalized when Card
Additional Processes (tag '9F68') byte 1 bit 7 is set to 1b)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.91 SH.6.004.00
Test description To ensure that the Consumer Device CVM is supported by the card


Consumer Device CVM support not indicated by ICS.
4.4.92 SH.6.005.00
Test description To ensure that if the Consumer Device CVM is supported by the card, then the reference
passcode has been personalized


Consumer Device CVM support not indicated by ICS.
Consumer Device CVM is not supported (Card Additional Processes (Tag '9F68'),
Byte 3, bit 4 is not set to 1)
4.4.93 SH.6.006.00
Test description To ensure that if the card is supporting Issuer Update Processing, it is set in the Card
Additional Processes


Issuer Update Processing support is not indicated in ICS.
Card Transaction Qualifiers (Tag '9F 6C') does not indicate Issuer Update
Processing
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.94 SH.6.007.00
Test description To check that the Card Additional Processes has the correct settings when the mobile device
supports Offline Prepaid Chip


PrePaid support is not indicating in ICS.
4.4.95 SH.6.012.00
Verdict Passed
Test description To ensure that the card supports PIN Tries Exceeded check and (contact chip) Offline PIN if
card supports Offline PIN.

• Offline PIN is supported

F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ SH.6.012.00.502 Passed. (Related Failure/Observation/Warning Message: Since the

card supports Offline PIN, Card Additional Processes (CAP, tag '9F68') byte 3 bit 6
((Contact Chip) Offline PIN supported) should be set to 1b.)
✔ SH.6.012.00.824 Passed. (Related Failure/Observation/Warning Message: Since the

card supports offline PIN, Card Additional Processes (CAP, tag '9F68') byte 1 bit 4
(PIN Tries Exceeded Check supported) should be set to 1b.)
4.4.96 SH.14.001.00
Verdict Passed
Test description To ensure that the Contactless Counters Data Template is a correctly formatted TLV
template

• Card supports Contactless Offline Transaction Lower Limit Check

• Card supports Contactless Offline Transaction Upper Limit Check
▤ Tag BF 55: Contactless Counters Data Template : DF 11
01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00 00
DF 71 06 00 00 00 00 00 00
▤ Tag 'DF 11' Contactless Transaction Counter : 00
▤ Tag 'DF 21' Contactless Transaction Counter Lower Limit : 00
▤ Tag 'DF 31' Contactless Transaction Counter Upper Limit : 03
▤ Tag 'DF 41' VLP Single Transaction Limit : 00 00 00 00 00 00
▤ Tag 'DF 51' VLP Available Funds : 00 00 00 00 00 00
▤ Tag 'DF 61' VLP Reset Threshold : <not present>
▤ Tag 'DF 71' VLP Funds Limit : 00 00 00 00 00 00

element.)
defined for inclusion are present in the Contactless Counters Data Template.)
mandatory data element Contactless Counters Data Template ('BF 55'))
4.4.97 SH.14.002.00
Verdict Passed
Test description To ensure that the International Counters Data Template is a correctly formatted TLV
template
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


01 01 DF 21 01 01 DF 31 01 03 DF 51 01 01
▤ Profile: 1
▤ Consecutive Transaction Counter International Country Limit :

element.)
defined for inclusion are present in the International Counters Data Template.)
mandatory data element International Counters Data Template ('BF 57'))
4.4.98 SH.22.001.00
Test description To ensure that the Conversion Currency Code x is formatted correctly (if present)


4.4.99 SH.23.001.00
Test description To ensure that the Currency Conversion Factor x is formatted correctly (if present)


Currency Conversion Factor (tag '9F 73') - is not present
4.4.100 SH.23.003.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure that the Currency Conversion Parameters is not present (when not required)


▤ Tag 9F 73: Currency Conversion Parameters [VSDC] : <not
present>
✔ SH.23.003.00.82 Passed. (Related Failure/Observation/Warning Message: Since
Currency Conversion checking is not supported, the Currency Conversion Parameters is
not required to be personalized on this card.)
4.4.101 SH.24.001.00
Test description To ensure that the Currency Conversion Parameters is present and formatted correctly (when
applicable)


4.4.102 SH.26.001.00
Verdict Passed
Test description To ensure that the Issuer Country Code (Visa Proprietary Data) is formatted correctly and
contains valid data (if present)


Length.)
ISO3166 value.)
4.4.103 SH.26.001.01
Test description To ensure that the Issuer Country Code (Visa Proprietary Data) is present (when required)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Card does not support Consecutive International Transaction Lower/Upper Limit
Check with/without International Country option or qVSDC uses Country Code to
Determine Domestic/International
4.4.104 SH.26.002.00
Test description To ensure that if both the Issuer Country Code (Visa Proprietary Data) and the Issuer Country
Code are present, the values match


Issuer Country Code (Tag '5F 28') is not present
4.4.105 SH.28.001.00
Test description To ensure that the Log Entry is present and the length and format are correct (when
applicable)

VMCPS 1.4.x

Card does not support contactless Transaction Logging
4.4.106 SH.28.003.00
Test description To ensure that Log Entry is present and refers to the correct file for a Visa Mobile Payment
Application


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.107 SH.29.001.00
Test description To ensure that the Log Format is present and the length is correct (when applicable)

VMCPS 1.4.x

Card does not support contactless Transaction Logging
4.4.108 SH.29.002.00
Test description To check that the tags and lengths of data elements listed in the Log Format are valid

VMCPS 1.4.x

Log Format is not present
4.4.109 SH.29.003.00
Test description To ensure that Log Format has the correct value for a Visa Mobile Payment Application


4.4.110 SH.29.004.00
Verdict Passed
Test description To ensure transaction logging is not supported.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Tag 9F 4F: Transaction Log Format : <not

present>
✔ SH.29.004.00.808 Passed. (Related Failure/Observation/Warning Message: Optional

Data Element present - transaction logging will have a negative impact on
contactless transaction performance.)
4.4.111 SH.31.004.00
Test description To ensure that the Passcode Try Counter is formatted correctly (if present)


4.4.112 SH.31.005.00
Test description To check that the Passcode Try Counter (if present) does not have a value of '00' which
indicates that the passcode is blocked


4.4.113 SH.31.006.00
Test description To check that the Passcode Try Counter is not present when not required (if Passcode is not
supported)

• Card does not support Dynamic PassCode Authentication

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.114 SH.32.002.00
Test description To ensure that the VLP Available Funds is not present (when not applicable)

• Card does not support Low Value Check

Card supports Low Value AND CTTA Check
4.4.115 SH.33.001.00
Verdict Passed
Test description To ensure that the VLP Funds Limit is present, has the correct length, and has the correct


▤ Tag 9F 77: VLP Funds Limit [VSDC] : 00 00
00 00 00 00
01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00 00
DF 71 06 00 00 00 00 00 00
✔ SH.33.001.00.551 Passed. (Related Failure/Observation/Warning Message: Required

VLP data element not present.)
Length.)
✔ SH.33.001.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
4.4.116 SH.33.002.00
Test description To ensure that the VLP Funds Limit is not present (when not applicable)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.4.117 SH.36.002.00
Test description To ensure VLP Single Transaction Limit is not present if Low Value check or Low Value AND
CTTA check not supported


4.4.118 SH.40.001.00
Test description To ensure that the Consumer Device Indicators are present and correctly formatted


4.4.119 SH.40.002.00
Test description To ensure that the Consumer Device Indicators Reserved For Future Use bits are not set


Consumer Device Indicator (Tag '9F 50') is not present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.120 SH.40.003.00
Test description To ensure that the Consumer Device Indicators bits that indicate that the device is passcode
blocked, temporarily blocked, or permanently blocked are not set


Consumer Device Indicator (Tag '9F 50') is not present
4.4.121 SH.41.001.00
Test description To ensure that the Card Additional Processes is present and correctly indicates that the mobile
device is contactless only


4.4.122 VC.5.001.00


4.4.123 VC.5.002.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Card supports qVSDC Offline International Transactions
4.4.124 VC.5.003.00
Verdict Passed
'DF21' in 'BF57') and Consecutive Transaction Counter International (Tag 'DF11' in 'BF57') are
present and the correct lengths (when applicable)


01 01 DF 21 01 01 DF 31 01 03 DF 51 01 01
▤ Profile: 1
✔ CTCIL (Tag '9F53' or 'DF21' in 'BF57') is present
✔ CTCIL has valid length


Length.)
4.4.125 VC.5.004.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.4.126 VC.6.001.00


4.4.127 VC.6.002.00


4.4.128 VC.6.003.00
Verdict Passed
Test description To ensure that the Consecutive Transaction International Upper Limit (CTIUL) and Consecutive
Transaction Counter International (CTCI) are present, the correct lengths and value


01 01 DF 21 01 01 DF 31 01 03 DF 51 01 01
▤ Profile: 1
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

✔ CTIUL (Tag '9F5E' or 'DF31' in 'BF57') is present
✔ CTIUL has valid length
✔ CTIUL value is not zero


Length.)
✔ VC.6.003.00.217 Passed. (Related Failure/Observation/Warning Message: Consecutive
Transaction International Upper Limit (CTIUL, tag '9F5E' or 'DF31' in 'BF57') value
must not be zero. Payment application declines Offline international transaction
when CTIUL is set to '00'.)
4.4.129 VC.6.004.00
Test description To ensure that Consecutive International Transactions (Currency) Upper Limit (Tag '9F5E' or


4.4.130 VC.6.005.00


4.4.131 VC.6.006.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


✔ VC.6.006.00.181 Passed. (Related Failure/Observation/Warning Message: CTCIL (Tag

'9F53' or 'DF21' in 'BF57') shall be lower than or equal to CTIUL (Tag '9F5E' or
'DF31' in 'BF57').)
4.4.132 VC.6.007.00


4.4.133 VC.6.008.00
Verdict Passed


01 01 DF 21 01 01 DF 31 01 03 DF 51 01 01
▤ Profile: 1
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

(Tag '9F53' or 'DF21' in 'BF57') and CTIUL (Tag '9F5E' or 'DF31' in 'BF57') should
be present.)
4.4.134 VC.6.009.00
Verdict Passed
Test description To ensure that all associated data elements of Consecutive Transaction International Upper
Limit (CTIUL) (tag 9F5E and DF31 in BF57') are present.

VMCPS 1.4.x


▤ Code (num) = 00 51
▤ Code (an) = AMD

present>
01 01 DF 21 01 01 DF 31 01 03 DF 51 01 01
▤ Profile: 1
✔ VC.6.009.00.830 Passed. (Related Failure/Observation/Warning Message: Missing

associated data element (Application Currency Code (tag '9F51') and Consecutive
Transaction Counter International Limit (CTCIL) (tag '9F53') and/or Consecutive
Transaction Counter International Country Limit (CTCICL) (tag '9F72 or 'DF61 in
BF57').)
4.4.135 VC.9.001.00
Verdict Passed
Test description To ensure that Contactless Transaction Count Lower Limit (Tag 'DF21' in 'BF55') and
Contactless Transaction Counter (Tag 'DF11' in 'BF55') are present and the correct lengths
(when applicable)

• Card supports Contactless Offline Transaction Lower Limit Check

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00 00
DF 71 06 00 00 00 00 00 00
✔ CLTCLL ('DF21' in 'BF55') is present
✔ CLTCLL has valid length
✔ CLTC (Tag 'DF11' in 'BF55') is present

✔ CLTC has valid length
✔ VC.9.001.00.160 Passed. (Related Failure/Observation/Warning Message: Contactless

Counters Data Template('BF 55') is missing when issuer wants the velocity check to
be supported.)
Length.)
4.4.136 VC.9.002.00
Test description To ensure that Contactless Transaction Count Lower Limit (Tag 'DF21' in 'BF55') is not present
(when not required)


Card supports Contactless Offline Transaction Lower Limit Check
4.4.137 VC.10.001.00
Verdict Passed
Test description To ensure that Contactless Transaction Count Upper Limit (Tag 'DF31' in 'BF55') and
Contactless Transaction Counter (Tag 'DF11' in 'BF55') are present and the correct lengths
(when applicable)

• Card supports Contactless Offline Transaction Upper Limit Check

01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00 00
DF 71 06 00 00 00 00 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

✔ CLTCUL ('DF31' in 'BF55') is present
✔ CLTCUL has valid length
✔ CLTC (Tag 'DF11' in 'BF55') is present

✔ CLTC has valid length
✔ VC.10.001.00.160 Passed. (Related Failure/Observation/Warning Message: ('BF 55')

is missing when issuer wants the velocity check to be supported.)
Length.)
4.4.138 VC.10.002.00
Test description To ensure that Contactless Transaction Count Upper Limit (Tag 'DF31' in 'BF55') is not present
(when not required)


Card supports Contactless Offline Transaction Upper Limit Check
4.4.139 VC.10.003.00
Verdict Passed


01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00 00
DF 71 06 00 00 00 00 00 00
✔ VC.10.003.00.183 Passed. (Related Failure/Observation/Warning Message: CLTCLL

(Tag 'DF21' in 'BF55') shall be lower than or equal to CLTCUL (Tag 'DF31' in
'BF55').)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.140 VC.10.004.00
Verdict Passed

• Card supports Contactless Offline Transaction Upper or Lower Limit Check

01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00 00
DF 71 06 00 00 00 00 00 00

CLTCLL (Tag 'DF21' in 'BF55') and CLTCUL (Tag 'DF31' in 'BF55') should be present.)
4.4.141 VC.11.001.00
Test description To ensure that Cumulative Total Transaction Amount Lower Limit (tag '9F54') is present and

• Card supports qVSDC Low Value and CTTA Check

4.4.142 VC.11.002.00
(when not required)


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.4.143 VC.11.003.00
Verdict Passed
Test description To ensure that Cumulative Total Transaction Amount Lower Limit (Tag '9F54' or 'DF21' in


06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1
✔ CTTAL (Tag '9F54' or 'DF21' in 'BF58') is present
✔ CTTAL has valid length


supported.)
Length.)
4.4.144 VC.11.004.00
(when not required)


4.4.145 VC.12.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Test description To ensure that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C') is present and


4.4.146 VC.12.002.00
Test description To ensure that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C') is not present
(when not required)


4.4.147 VC.12.003.00
Verdict Passed
Test description To ensure that Cumulative Total Transaction Amount Upper Limit (Tag '9F5C' or 'DF31' in


06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1
✔ CTTAUL (Tag '9F5C' or 'DF31' in 'BF58') is present
✔ CTTAUL has valid length

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported.)
Length.)
4.4.148 VC.12.004.00
Test description To ensure that Cumulative Total Transaction Amount Upper Limit (tag '9F5C') is not present
(when not required


Card supports CTTA Upper Limit Check
4.4.149 VC.12.005.00


4.4.150 VC.12.006.00
Verdict Passed


00 00 00 00
02 00 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ VC.12.006.00.184 Passed. (Related Failure/Observation/Warning Message: CTTAL (Tag

'9F54' or 'DF21' in 'BF58') shall be lower than or equal to CTTAUL (Tag '9F5C' or
'DF31' in 'BF58').)
4.4.151 VC.12.007.00


4.4.152 VC.12.008.00
Verdict Passed


00 00 00 00
02 00 00 00
06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1

Cumulative Total Transaction Amount Limit (CTTAL, tag '9F54' or 'DF21' in 'BF58')
and Cumulative Total Transaction Amount Upper Limit (CTTAUL, tag '9F5C' or 'DF31' in
'BF58') should be present. Personalization of the CTTAUL is strongly recommended if
the Low Value AND CTTA check is supported.)
4.4.153 VC.14.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Card Additional Processes has the correct setting when qVSDC supports
international transactions

• Card supports qVSDC International Transactions

F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ VC.14.001.00.108 Passed. (Related Failure/Observation/Warning Message: Card

Additional Processes Byte 2, bit 7 must be set to 0.)
4.4.154 VC.15.001.00
Verdict Passed
Test description To ensure that the Card Additional Processes has the correct setting when qVSDC supports
offline international transactions
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

• Card supports qVSDC qVSDC Offline International Transactions supported

F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

Additional Processes Byte 2, bit 7 must be set to 0.)
Additional Processes, Byte 1, bit 3 must be set to 1.)
4.4.155 VC.16.001.00
Test description To ensure that the Card Additional Processes has the correct setting to support the Low Value
Check

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Card does not support Low Value Check
4.4.156 VC.17.001.00
Verdict Passed
Test description To ensure that the Card Additional Processes has the correct setting to support the Low Value
and CTTA Check


F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ VC.17.001.00.179 Passed. (Related Failure/Observation/Warning Message: Low Value

and CTTA Check supported but Card Additional Processes bit (Byte 1, bit 7 = 1) is
not set.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.4.157 VC.18.001.00
Test description To ensure that the Card Additional Processes has the correct setting to support qVSDC using
Country Code to Determine Domestic/International


Card does not support qVSDC uses Country Code to Determine Domestic/International
4.4.158 VC.19.001.00
Verdict Passed
Test description To ensure that when Consecutive Transaction card velocity check (CTC) is supported, the
Counters Data Template is present and formatted correctly.


01 01 DF 21 01 00 DF 31 01 03
▤ Profile: 1

supported.)
Length.)
4.4.159 VC.20.001.00
Verdict Passed
Test description To ensure that when Cumulative Total Transaction Amount (CTTA) card velocity check is
supported, the Amounts Data Template is present and formatted correctly.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ Profile: 1

supported.)
Length.)
4.5 AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction with

ODA
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.1 AD.1.003.04
Test description To ensure that if qVSDC with either Cryptogram 10, 18 or 22 is supported, the PDOL contains
the correct data elements with the correct lengths


Cryptogram Version Number is not 10 ('0A'), 18 ('12') or '22'
4.5.2 DA.1.001.00
Verdict Passed
Test description To ensure the presence and validity of the recovered Issuer Public Key Certificate (tag '90')


58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
94 1D 25 AD 6A 28 59 7B AD BF BC
▤ B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06
▤ 0F 43 56 74 85 5D F9 F1 BF A2 F7 EF C4 4F E0 3C
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ 0F 43 56 74 85 5D F9 F1 BF A2 F7 EF C4 4F E0 3C
▤ 18 5A 12 78 F1 4F D8 29 65 B9 A5 A5 55 4D BF 53
▤ 70 52 F6 01 CC 62 B7 74 67 26 13 69 D1 E3 7A DC
▤ 11 21 B8 33 60 F5 5E 68 CE EB B2 40 38 AB 76 26
▤ D9 87 86 04 4B 6A 31 DB 5A 80 F2 12 32 F2 15 2E
▤ 95 5A 6E 71 E7 4D 56 1A 99 07 E2 FD 30 8D FF B1
▤ 69 B6 C8 11 4C CB 63 37 A2 73 D0 E0 14 43 39 A3
▤ A3 F4 61 6E CA 16 A3 F0 A9 A2 11 2C E7 87 5D 63
▤ 21 43 34 7A 99 D8 54 18 5E B9 E2 FA 91 AD EA 9F
▤ Padding:
▤ BB BB BB BB
▤ Hash Result:
▤ 5E 21 CD EC CF 42 26 64 40 B8 94 1D 25 AD 6A 28
▤ 59 7B AD BF
62 00 14 09 79 20
31
▤ Year : 2025
▤ Month: May
▤ Day : 31
03
65 45 01 01 B0 01 B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06 0F 43 56 74
94 1D 25 AD 6A 28 59 7B AD BF
94 1D 25 AD 6A 28 59 7B AD BF
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

the PAN.)
4.5.3 DA.1.001.01
Verdict Passed
Test description To ensure the presence and validity of the recovered Issuer Public Key Certificate


58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
94 1D 25 AD 6A 28 59 7B AD BF BC
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06
▤ 0F 43 56 74 85 5D F9 F1 BF A2 F7 EF C4 4F E0 3C
▤ 18 5A 12 78 F1 4F D8 29 65 B9 A5 A5 55 4D BF 53
▤ 70 52 F6 01 CC 62 B7 74 67 26 13 69 D1 E3 7A DC
▤ 11 21 B8 33 60 F5 5E 68 CE EB B2 40 38 AB 76 26
▤ D9 87 86 04 4B 6A 31 DB 5A 80 F2 12 32 F2 15 2E
▤ 95 5A 6E 71 E7 4D 56 1A 99 07 E2 FD 30 8D FF B1
▤ 69 B6 C8 11 4C CB 63 37 A2 73 D0 E0 14 43 39 A3
▤ A3 F4 61 6E CA 16 A3 F0 A9 A2 11 2C E7 87 5D 63
▤ 21 43 34 7A 99 D8 54 18 5E B9 E2 FA 91 AD EA 9F
▤ Padding:
▤ BB BB BB BB
▤ Hash Result:
▤ 5E 21 CD EC CF 42 26 64 40 B8 94 1D 25 AD 6A 28
▤ 59 7B AD BF
62 00 14 09 79 20
31
▤ Year : 2025
▤ Month: May
▤ Day : 31
03
65 45 01 01 B0 01 B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06 0F 43 56 74
94 1D 25 AD 6A 28 59 7B AD BF
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

94 1D 25 AD 6A 28 59 7B AD BF

the PAN.)
4.5.4 DA.1.001.02
Verdict Passed
Test description To ensure the presence and validity of the recovered Issuer Public Key Certificate


58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
94 1D 25 AD 6A 28 59 7B AD BF BC
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06
▤ 0F 43 56 74 85 5D F9 F1 BF A2 F7 EF C4 4F E0 3C
▤ 18 5A 12 78 F1 4F D8 29 65 B9 A5 A5 55 4D BF 53
▤ 70 52 F6 01 CC 62 B7 74 67 26 13 69 D1 E3 7A DC
▤ 11 21 B8 33 60 F5 5E 68 CE EB B2 40 38 AB 76 26
▤ D9 87 86 04 4B 6A 31 DB 5A 80 F2 12 32 F2 15 2E
▤ 95 5A 6E 71 E7 4D 56 1A 99 07 E2 FD 30 8D FF B1
▤ 69 B6 C8 11 4C CB 63 37 A2 73 D0 E0 14 43 39 A3
▤ A3 F4 61 6E CA 16 A3 F0 A9 A2 11 2C E7 87 5D 63
▤ 21 43 34 7A 99 D8 54 18 5E B9 E2 FA 91 AD EA 9F
▤ Padding:
▤ BB BB BB BB
▤ Hash Result:
▤ 5E 21 CD EC CF 42 26 64 40 B8 94 1D 25 AD 6A 28
▤ 59 7B AD BF
62 00 14 09 79 20
31
▤ Year : 2025
▤ Month: May
▤ Day : 31
03
65 45 01 01 B0 01 B2 86 60 6A 64 40 E1 10 6F 9D 0D 3E 0A BC DA 06 0F 43 56 74
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
94 1D 25 AD 6A 28 59 7B AD BF
94 1D 25 AD 6A 28 59 7B AD BF

the PAN.)
4.5.5 DA.2.001.00
Verdict Passed


58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

D3 E9 00 4E BD 04 0B 40 89 D0 EF C2 02 06 78 1C 60 9D 6F FB AB A3 B8 03 FD 14 17
AA 4D EC AD 10 B5 A4 1D 5F 49 15 FF 89 B3 7C AC 1E 2F 63 A3 29 AE 84 93 90 D8 CA
8A CC BE 05 58 CE 9D 5D AD 09 6C 74 EC DE 88 EA 50 A8 6D E4 03 E3 E4 DE 6D 39 56
77 81 63 8F 03 AB 4E B8 82 D7 98 AD 67 76 1D 02 E1 30 C0 1B A4 BC 1E C9 8F 02 23
99 FB 9F 25 05 8D B0 58 AD 14 15 AF CF 21 94 8A EC 2E 46 A4 BE 70 80 5D 81 3F A3
6E 4F A2 EC 83 01 07 52 67 D0 30 64 A2 08 73 97 66 2D 06 8C BA 9C 58 0B 91 DE 78
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
35 50 5E 5E E6 0F 65 04 2D D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06 37 64
18 B1 F9 BB BB BB BB BB BB 03 5A 08 48 89 62 00 14 09 79 20 5F 24 03 25 05 31 20
20
▤ Hash Result from ICC Public Key Public Key Certificate = 11 86 30 33 87 2B 4F
AA C0 7C A0 67 CD 7B 09 B9 E5 55 29 4A
▤ Result of SHA1 over the Hash Data = 11 86 30 33 87 2B 4F
AA C0 7C A0 67 CD 7B 09 B9 E5 55 29 4A
62 00 14 09 79 20
✔ Recovered PAN matches the Application PAN


ICC Public Key Certificate Format shall be '04'.)
✔ DA.2.001.00.822 Passed. (Related Failure/Observation/Warning Message: Expired ICC
Public Key Certificate (tag '9F46'))
4.5.6 DA.2.001.01
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
31
▤ Year : 2025
▤ Month: May
▤ Day : 31
35 50 5E 5E E6 0F 65 04 2D D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06 37 64
20
AA C0 7C A0 67 CD 7B 09 B9 E5 55 29 4A
AA C0 7C A0 67 CD 7B 09 B9 E5 55 29 4A
62 00 14 09 79 20
✔ Recovered PAN matches the Application PAN (padded to the right with hexadecimal
'F's)


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

expiration date of the ICC Public Key certificate.)
4.5.7 DA.2.001.02
Verdict Passed


58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
31
▤ Year : 2025
▤ Month: May
▤ Day : 31
35 50 5E 5E E6 0F 65 04 2D D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06 37 64
20
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
AA C0 7C A0 67 CD 7B 09 B9 E5 55 29 4A
AA C0 7C A0 67 CD 7B 09 B9 E5 55 29 4A
62 00 14 09 79 20
✔ Recovered PAN matches the Application PAN (padded to the right with hexadecimal
'F's)


expiration date of the ICC Public Key certificate.)
4.5.8 DA.4.001.01
Test description To ensure that Signed Static Authentication Data uses a Signed Data Format that prevents
usage in a contact chip POS environment and is otherwise valid.

▤ Tag 82 : Application Interchange Profile [VCPS] : 20 20

bit 7 = 0 Offline static data authentication is NOT supported for
online authorizations
bit 5 = 0 RFU
bit 4 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
SDA not supported for qVSDC Online with Offline Data Authentication
4.5.9 DE.6.003.00
Verdict Passed


73 61

Length.)
4.5.10 DE.6.003.01
match


4.5.11 DE.26.002.00
Verdict Passed
Test description To ensure that the Issuer Country Code is present, is correctly formatted, and contains a valid
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
value (when applicable)

• Application Usage Control tag '9F07' is present.

✔ Issuer Country Code length is 2 bytes

Length.)
ISO3166 value.)
Country Code (Tag '5F28') shall be present if Application Usage Control (Tag '9F07')
is present.)
4.5.12 DE.26.004.00


4.5.13 DE.26.006.00
Verdict Passed
Test description To ensure that the Issuer Country Code is consistent across all supported contact and
contactless paths



PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Country Code (Tag '5F28') must contain the same value across all supported contact
and contactless paths.)
4.5.14 DE.60.001.01
Verdict Passed
Test description To ensure Application PAN Sequence Number is not returned in the record.

✔ Tag: 5F 34, Application PAN Sequence Number not retrievable with READ RECORD
Application PAN Sequence Number is present in the record. Some VCPS 2.0.2 devices
"ignore" the Application PAN Sequence Number when it is returned in the record which
may lead to transaction decline.)
4.5.15 DS.5.003.00
Verdict Passed
Test description To ensure that the card responds to the GET PROCESSING OPTIONS command according to
Response Message Template Format 2

▤ GPO response: 77 81 DA 82 02 20 20 94 08 18 01 02 01 10 01 04 00 57 13 48 89 62 00
14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F 5F 20 02 20 2F 5F 34 01 01 9F 10 07 06
01 11 03 A0 20 00 9F 26 08 87 19 FA 55 D9 91 EF C5 9F 27 01 80 9F 36 02 00 05 9F 4B
81 80 93 C5 88 C1 D8 98 D0 88 F1 EB 4F BE A6 2D C0 EB 1E 51 5B FC B7 94 E8 D0 B0 BC
70 DE 6E 6E 5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E E7
B4 32 A3 61 2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA 86 58 18
2C C5 52 4A 01 5F 15 97 EB 87 52 18 A4 B8 A7 6C 47 B3 3F AB 2D 8B 5F 96 1A B7 2F 1A
20 66 19 A0 82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1 9F 6C 02 28 00 9F 6E 04 20 70
00 00 90 00

element.)
✔ DS.5.003.00.854 Passed. (Related Failure/Observation/Warning Message: The card
does not return a valid response to a GET PROCESSING OPTIONS command.)
4.5.16 DS.5.004.00
Verdict Passed
Test description To ensure that the GET PROCESSING OPTIONS Response data does not include non-explicitly
listed data elements
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


20
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
01 02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
2F
▤ Text value = /
▤ Tag 9F 10: Issuer Application Data [VCPS 2.2] : 06 01
11 03 A0 20 00
▤ VISA Discretionary Data : 06 01 11 03 A0 20 00
▤ Card Verification Results (CVR) = 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

performed
bit 1 = 0 Offline static data authentication passed or was
performed
not supported)
19 FA 55 D9 91 EF C5
▤ Tag 9F 4B: Signed Dynamic Application Data : 93 C5
88 C1 D8 98 D0 88 F1 EB 4F BE A6 2D C0 EB 1E 51 5B FC B7 94 E8 D0 B0 BC 70 DE 6E
6E 5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E E7 B4 32
A3 61 2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA 86 58 18 2C
C5 52 4A 01 5F 15 97 EB 87 52 18 A4 B8 A7 6C 47 B3 3F AB 2D 8B 5F 96 1A B7 2F 1A
20 66 19 A0 82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1
00
bit 5 = 0 Do not switch interface if Offline Data Authentication
fails and Reader supports contact chip
POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 2 = 0 RFU
bit 1 = 0 RFU
70 00 00
bit 4 = 0 The Consumer Payment Device is incapable of two-way
messaging
bit 3 = 0 The Consumer Payment Device is not using cloud-based
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
bit 4-1: 0000 Payment Transaction Technology: Proximity contactless
interface using ISO 14443
✔ DS.5.004.00.320 Passed. (Related Failure/Observation/Warning Message: <Data
element name> must not be present in the GET PROCESSING OPTIONS Response.)
4.5.17 DS.7.002.00
Verdict Passed
Test description To ensure that only the following Data Elements are present in records of the application (any
other data in records is not recommended): Application Expiration Date ('5F24'), Application
Primary Account Number ('5A'), Application Primary Account Number Sequence Number
('5F34'), Application Usage Control (AUC) ('9F07'), Card Authentication Related Data ('9F69'),
Cardholder Name ('5F20'), Certification Authority Public Key Index ('8F'), Customer Exclusive
Data ('9F7C'), Form Factor Indicator (FFI) ('9F6E'), Integrated Circuit Card (ICC) Public Key
Exponent ('9F47'), Integrated Circuit Card (ICC) Public Key Certificate ('9F46'), Integrated Circuit
Card (ICC) Public Key Remainder('9F48'), Issuer Country Code ('5F28'), Issuer Public Key
Certificate ('90'), Issuer Public Key Exponent ('9F32'), Issuer Public Key Remainder ('92'), Signed
Dynamic Application Data ('9F4B'), Static Data Authentication Tag List ('9F4A'), Track 2
Equivalent Data ('57'), Track 1 Discretionary Data ('9F1F').


02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Record (0):
• Tag present in the record: '5A', length: '08'.
• Tag present in the record: '5F 24', length: '03'.
▤ Record (1):
▤ Record (2):
• Tag present in the record: '90', length: '81 F8'.
▤ Record (3):
• Tag present in the record: '8F', length: '01'.
▤ Record (4):
• Tag present in the record: '9F 46', length: '81 B0'.
▤ Record (5):
• Tag present in the record: '9F 4A', length: '01'.

Element present in records and retrieved with Read Record command.)
Element with zero length found in record. Presence of the data element(s) with zero
length may lead to acceptance issues.)
4.5.18 ES.2.001.01
Verdict Passed


00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
4.5.19 GE.1.007.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.5.20 GE.2.002.00
Verdict Passed
Test description To ensure that the data objects used exclusively for contact chip transactions are not returned
for contactless transactions.

✔ GE.2.002.00.6 Passed. (Related Failure/Observation/Warning Message: Unnecessary

contact-only data objects were returned for the contactless transaction.)
4.5.21 GE.3.001.00
Verdict Passed


none

are none.)
card are none.)
4.5.22 GE.3.002.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.5.23 GE.3.003.00
Verdict Passed
Data Objects.

✔
✔
✔
✔
✔
✔
✔

not correct.)
4.5.24 GE.4.001.00
Verdict Passed
bytes


tag and length.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.25 GE.4.001.00.PVT
Test description To ensure that AC Issuer Master Key is correctly personalized on the contactless interface.


Dynamic Test is not switched on in test configuration
4.5.26 ID.1.004.00
settings


▤ VIS 1.6.0
ADA (tag '9F52') is not present
2.2.1 and above
4.5.27 IP.1.001.00
Verdict Passed
Test description To ensure that several application Data Elements, if present, shall be present in both qVSDC
and VSDC paths and contain the same values

• Data Element retrieved through qVSDC path :

▤ Tag 9F 51: Application Currency Code [VSDC] : <not
present>
▤ Code (num) = 00 51
▤ Code (an) = AMD
• Data Element retrieved through contact VSDC path :
▤ Code (num) = 00 51
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Code (num) = 00 51
▤ Code (an) = AMD
✔ Value of data element 9F 51 is same for contact VSDC and qVSDC paths.
✔ IP.1.001.00.846 Passed. (Related Failure/Observation/Warning Message: The value

of Application Currency Code [VSDC] ('9F 51') is not the same for qVSDC and contact
VSDC paths.)

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
31
▤ Year : 2025
▤ Month: May
▤ Day : 31

of Application Expiration Date ('5F 24') is not the same for qVSDC and contact VSDC
paths.)

62 00 14 09 79 20
62 00 14 09 79 20
✔ Value of data element 5A is same for contact VSDC and qVSDC paths.

of Application Primary Account Number (PAN) ('5A') is not the same for qVSDC and
contact VSDC paths.)
4.5.28 IP.1.002.00
Verdict Passed
Test description If ODA is supported on both interfaces then ensure that the CA PK Index, IPK Certificate, IPK
Exponent, IPK Remainder (if present), contain the same values.


✔ Value of data element 8F is same for contact VSDC and qVSDC paths.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

of Certification Authority Public Key Index ('8F') is not the same for qVSDC and
contact VSDC paths.)

53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
✔ Value of data element 90 is same for contact VSDC and qVSDC paths.

of Issuer Public Key Certificate ('90') is not the same for qVSDC and contact VSDC
paths.)


of Issuer Public Key Exponent ('9F 32') is not the same for qVSDC and contact VSDC
paths.)

present>
present>
• Data Element 92 is not retrievable through contact VSDC path.

of Issuer Public Key Remainder ('92') is not the same for qVSDC and contact VSDC
paths.)
4.5.29 MD.3.001.00
Verdict Passed
Test description To ensure that if Cardholder Name is present, it has the correct format and length
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Tag 5F 20: Cardholder Name : 20 2F

▤ Text value = /
✔ MD.3.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid

Length.)
✔ MD.3.001.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
4.5.30 MD.13.002.00
Test description To ensure the Form Factor Indicator (FFI) is present and formatted correctly


4.5.31 MD.21.001.01
Verdict Passed
Test description To ensure that the Track 2 Equivalent Data is present in response to the GPO command or
ReadRecord response and correctly formatted

▤ Tag 57 : Track 2 Equivalent Data : 48 89

62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
✔ MD.21.001.01.3 Passed. (Related Failure/Observation/Warning Message: Missing

mandatory data element Track 2 Equivalent Data ('57'))
Length.)
✔ MD.21.001.01.128 Passed. (Related Failure/Observation/Warning Message: Track 2
Equivalent Data (Tag '57') - Primary Account Number shall not be greater than 19
digits.)
Equivalent Data (Tag '57') - Field separator shall be half-byte 'D'.)
Equivalent Data (Tag '57') - Expiration Date shall be encoded in YYMM format.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Equivalent Data (Tag '57') - Service Code shall be 3 digits long and first digit
shall be 2 or 6 (international or domestic cards using alternate technology (EMV-
compliant integrated circuit card containing VSDC applications)).)
Equivalent Data (Tag '57') - Discretionary Data - Padding shall be limited to one
'F'.)
4.5.32 MD.22.001.00
Verdict Passed
Test description To ensure Application Transaction Counter (ATC) is present in the GET PROCESSING OPTIONS
response and formatted correctly


Length.)
4.5.33 MD.26.002.00
Test description To ensure that the Cardholder Name returned over the contactless interface does not match
the 'real' cardholder name encoded on the physical magnetic stripe


▤ Text value = /
Magstripe Track 1 data is not formatted correctly
4.5.34 MD.26.003.00
Verdict Passed
Test description To check that the Cardholder Name when returned contains same value across contactless
paths

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Text value = /

✔ MD.26.003.00.185 Passed. (Related Failure/Observation/Warning Message: Cardholder
Name (tag '5F20') when returned should contain the same value across contactless
paths.)
4.5.35 MD.29.001.00
Test description To ensure that Customer Exclusive Data has the correct length (if present)


Customer Exclusive Data (Tag '9F 7C') is not present
4.5.36 MD.29.002.00
Test description To check that the Customer Exclusive Data is consistent across all supported contactless paths


4.5.37 MD.31.001.00
Verdict Passed
Test description To ensure that the Form Factor Indicator (FFI) is present and formatted correctly when FFI
version 1 is used for a standard card

▤ Tag 9F 6E: Form Factor Indicator [qVSDC] : 20 70

00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Tag DF 01: Unknown Data Element : 00 00

mandatory data element Form Factor Indicator [qVSDC] ('9F 6E'))
Length.)
✔ MD.31.001.00.4 Passed. (Related Failure/Observation/Warning Message: All RFU/'Not
correct.)
✔ MD.31.001.00.12 Passed. (Related Failure/Observation/Warning Message: Incorrect
value.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.38 MD.31.001.01
Test description To ensure that the Form Factor Indicator (FFI) is present and formatted correctly (for non-
mobile, non-card form factors).

Specification: VCPS 2.0.2 VCPS 2.1.x

Test is not applicable on card form factor
4.5.39 MD.31.001.03
Test description To ensure that Form Factor Indicator (FFI) is present and formatted correctly when FFI version
2 is used for a standard card


▤ VIS 1.6.0
00 00
messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
2.2.4 and above
Form Factor Indicator version is not 2 (byte 1, bits 8-6 is not 010)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.40 MD.31.001.04
number is 2 (for standard card)


▤ VIS 1.6.0
00 00
messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
2.2.4 and above
4.5.41 MD.31.002.00
Verdict Passed
Test description To ensure that the Form Factor Indicator (FFI) is consistent across all supported contactless
paths


00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU

▤ Tag 9F 6E: Form Factor Indicator : 20 70
00 00
✔ MD.31.002.00.162 Passed. (Related Failure/Observation/Warning Message: Format

Factor Indicator (Tag '9F6E') must contain the same value across all supported
contactless paths.)
4.5.42 MS.1.003.01

4.5.43 MS.1.006.00

VCPS 2.2.x

Track 1 Discretionary Data (Tag '9F1F') is not present
4.5.44 MS.2.002.01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.5.45 MS.2.004.01

VCPS 2.2.x
4.5.46 PR.1.001.00
value


present>
4.5.47 PS.11.001.00


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.48 QF.2.002.00
Verdict Passed
Test description To ensure the Application File Locator (AFL) is correctly formatted and holds a valid value.


02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
✔ Response on Read Record command (sfi: 03, record: 01): 70 10 5A 08 48 89 62 00 14

09 79 20 5F 24 03 25 05 31 90 00
✔ Response on Read Record command (sfi: 03, record: 02): 70 0A 9F 07 02 C0 80 5F 28
02 00 51 90 00
✔ Response on Read Record command (sfi: 02, record: 01): 70 81 FB 90 81 F8 3F 58 87
17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86 CF C2 9E
B8 08 E5 4A 52 8C B5 04 8D AB 04 96 65 45 B6 33 D5 91 F4 DD F0 24 40 B7 14 DB 63 CF
7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2 37 79 2A 59 B6 D1 D6 53 61 56 3B 4F F6 03 A4
39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A 02 6D 24 D7 90 B4 63 24 9A 24
A4 46 A4 67 B3 2B 0C 5D D1 D8 5B F0 7A DF 67 7B E3 58 66 AF 91 87 D6 E6 71 0C 6C 83
E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67 58 7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C A9
09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E 14 9B 12 59 AE 2E B7 8D D4 FF 3F DC 85
2B D5 51 A8 5B 11 73 48 66 31 3E 98 EF 14 B9 C3 2D BE 5C 2D BD 66 DC 07 EC 4E 41 53
21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29 90 00
✔ Response on Read Record command (sfi: 02, record: 02): 70 07 8F 01 09 9F 32 01 03
90 00
✔ Response on Read Record command (sfi: 02, record: 03): 70 81 B4 9F 46 81 B0 61 D3
E9 00 4E BD 04 0B 40 89 D0 EF C2 02 06 78 1C 60 9D 6F FB AB A3 B8 03 FD 14 17 AA 4D
EC AD 10 B5 A4 1D 5F 49 15 FF 89 B3 7C AC 1E 2F 63 A3 29 AE 84 93 90 D8 CA 8A CC BE
05 58 CE 9D 5D AD 09 6C 74 EC DE 88 EA 50 A8 6D E4 03 E3 E4 DE 6D 39 56 77 81 63 8F
03 AB 4E B8 82 D7 98 AD 67 76 1D 02 E1 30 C0 1B A4 BC 1E C9 8F 02 23 99 FB 9F 25 05
8D B0 58 AD 14 15 AF CF 21 94 8A EC 2E 46 A4 BE 70 80 5D 81 3F A3 6E 4F A2 EC 83 01
07 52 67 D0 30 64 A2 08 73 97 66 2D 06 8C BA 9C 58 0B 91 DE 78 41 75 DF 5B 44 85 F0
C8 2A 58 74 C6 68 90 00
✔ Response on Read Record command (sfi: 02, record: 04): 70 12 9F 47 01 03 9F 4A 01
82 9F 69 07 01 70 51 16 06 28 00 90 00
▤ Tag 9F 69: Card Authentication Related Data [qVSDC] : 01 70

51 16 06 28 00
▤ fDDA Version Number : 01
▤ Card Unpredictable Number : 70 51 16 06
▤ Card Transaction Qualifiers : 28 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
• Card supports fDDA version 01
✔ The last record specified in the AFL is not the record to be signed for fDDA
version = 01
✔ QF.2.002.00.59 Passed. (Related Failure/Observation/Warning Message: Application

File Locator (Tag '94') Byte 1 (SFI) shall be coded correctly for the terminal to
access to using READ RECORD command.)
File Locator (tag '94') Byte 2 and Byte 3 (Record Numbers) shall be coded correctly
for the terminal to access to using Read Record command.)
File Locator (Tag '94') Byte 4 <= Byte 3 - Byte 2 +1.)
✔ QF.2.002.00.856 Passed. (Related Failure/Observation/Warning Message: The last
record specified in the AFL must be the record containing the Card Authentication
Related Data for fDDA version = 01.)
✔ QF.2.002.00.857 Passed. (Related Failure/Observation/Warning Message: The last
record specified in the AFL must not be the record to be signed for fDDA version =
01.)
4.5.49 QF.4.002.00
Verdict Passed
Test description To ensure the length of Signed Dynamic Application Data is same as ICC Public Key Modulus
length.


88 C1 D8 98 D0 88 F1 EB 4F BE A6 2D C0 EB 1E 51 5B FC B7 94 E8 D0 B0 BC 70 DE 6E 6E
5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E E7 B4 32 A3 61
2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA 86 58 18 2C C5 52 4A
01 5F 15 97 EB 87 52 18 A4 B8 A7 6C 47 B3 3F AB 2D 8B 5F 96 1A B7 2F 1A 20 66 19 A0
82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
• Length of ICC Public Key Modulus : 128 bytes

• Length of Signed Dynamic Application Data : 128 bytes
✔ QF.4.002.00.96 Passed. (Related Failure/Observation/Warning Message: Signed

Dynamic Application Data (Tag '9F4B') length shall be the same the ICC Public Key
Modulus length.)
4.5.50 QF.4.004.00
Test description To ensure if the Signed Dynamic Application Data (tag '9F4B') is returned in the record it is
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
personalized as the last data element in the record.


Signed Dynamic Application Data (tag '9F4B') is not returned in the record
4.5.51 QF.6.001.00
Test description To check that the Card Transaction Qualifiers (CTQ) is set to the Visa recommended value (if
present) (for Plus)


4.5.52 QN.10.001.02
Verdict Passed
Test description To ensure Signed Data Format value is correct


5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E E7 B4 32 A3 61
2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA 86 58 18 2C C5 52 4A
82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1
09
D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15
9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

<not present>
D3 E9 00 4E BD 04 0B 40 89 D0 EF C2 02 06 78 1C 60 9D 6F FB AB A3 B8 03 FD 14
17 AA 4D EC AD 10 B5 A4 1D 5F 49 15 FF 89 B3 7C AC 1E 2F 63 A3 29 AE 84 93 90
D8 CA 8A CC BE 05 58 CE 9D 5D AD 09 6C 74 EC DE 88 EA 50 A8 6D E4 03 E3 E4 DE
6D 39 56 77 81 63 8F 03 AB 4E B8 82 D7 98 AD 67 76 1D 02 E1 30 C0 1B A4 BC 1E
C9 8F 02 23 99 FB 9F 25 05 8D B0 58 AD 14 15 AF CF 21 94 8A EC 2E 46 A4 BE 70
80 5D 81 3F A3 6E 4F A2 EC 83 01 07 52 67 D0 30 64 A2 08 73 97 66 2D 06 8C BA
9C 58 0B 91 DE 78 41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
present>
6E 5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E E7 B4 32
A3 61 2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA 86 58 18 2C
20 66 19 A0 82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1
BB BB BB BB BB BB BB BB BB BB C1 A8 14 42 6A 7A 97 05 8B 13 CA FC 04 7E AF C5 ED C1
E4 A2 BC
▤ 02 00 05
▤ Pad Pattern:
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ BB BB BB BB
▤ Hash Result:
▤ C1 A8 14 42 6A 7A 97 05 8B 13 CA FC 04 7E AF C5
▤ ED C1 E4 A2
✔ QN.10.001.02.385 Passed. (Related Failure/Observation/Warning Message: Signed

Data Format value recovered from the Signed Dynamic Application Data is incorrect.
Correct value is '95'.)
4.5.53 QN.10.003.01
Verdict Passed
Test description To ensure card does not support Static Data Authentication (SDA)


bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ QN.10.003.01.383 Passed. (Related Failure/Observation/Warning Message: Visa Rules

do not allow issuance of transit-only Static Data Authentication (SDA) cards.)
4.5.54 QN.10.003.04
Verdict Warning
Test description For card supporting fDDA, to ensure that qVSDC not sign any static data.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
! QN.10.003.04.198 Warning: It is recommended that for contactless transactions no

static data be signed. The fourth byte of each of the AFL (tag '94') group of four
bytes should be set to 00b.
4.5.55 QN.12.001.00
Verdict Passed
Test description To ensure that Card Transaction Qualifiers (CTQ) has the correct length (if present).

▤ Tag 9F 6C: Card Transaction Qualifiers [qVSDC VCPS 2.2] : 28 00

bit 6 = 1 Go online if Offline Data Authentication fails and Reader
is online capable
bit 7 = 0 Card does not support Issuer Update Processing at the POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ QN.12.001.00.1 Passed. (Related Failure/Observation/Warning Message: Invalid
Length.)
4.5.56 QN.13.001.00
Verdict Passed
Test description To ensure that the type of Application Cryptogram is ARQC.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


11 03 A0 20 00
bit 2 = 0 Offline dynamic data authentication not performed
supported)
✔ The type of Application Cryptogram is ARQC
◯ Comparing cvr
⃖ Evaluated: 03 A0 20 00
⇦ Expected: ..
▤ 03 .. .. .. concatenation
▤ '03'h
▤ '10??0?00'b
▤ '0??0?000'b
▤ '?????000'b
▤ 00 .. .. .. .. concatenation
▤ '00000000'b
▤ '10??0?00'b
▤ '0??0?000'b
▤ '?????000'b
▤ '000000??'b
✔ QN.13.001.00.382 Passed. (Related Failure/Observation/Warning Message: The type

of Application Cryptogram must be ARQC.)
✔ QN.13.001.00.859 Passed. (Related Failure/Observation/Warning Message: All RFU
bits of CVR shall be set to values specified in [VCPS 2.2 Table M-2])
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.57 QN.14.001.00
Test description To ensure that the Application Interchange Profile is present, is the correct length, and
contains the correct value


4.5.58 QN.14.001.01
Verdict Passed
Test description To ensure that the Application Interchange Profile (tag '82') is present, is the correct length,
and contains the correct value


bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ QN.14.001.01.3 Passed. (Related Failure/Observation/Warning Message: Missing

mandatory data element Application Interchange Profile [VCPS] ('82'))
Length.)
✔ QN.14.001.01.202 Passed. (Related Failure/Observation/Warning Message: Incorrect
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

AIP value.)
✔ QN.14.001.01.384 Passed. (Related Failure/Observation/Warning Message: A
contactless chip card must support Offline Data Authentication with Online
Authorization using fast Dynamic Data Authentication (except the US region).)
4.5.59 QN.14.002.00
contains the correct value for mobile handset


4.5.60 QN.15.001.00
Verdict Passed
Test description To ensure that the mandatory Application File Locator (AFL) is present in the GET PROCESSING
OPTIONS response and length and format are correct


02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4

mandatory data element Application File Locator (AFL) ('94'))
Length.)
✔ QN.15.001.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
✔ QN.15.001.00.308 Passed. (Related Failure/Observation/Warning Message: Unable to
read records.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.61 QN.16.001.00
Verdict Passed
Test description To ensure that Application Cryptogram (AC) is present in the GET PROCESSING OPTIONS
response and length and format are correct

▤ Tag 9F 26: Application Cryptogram (AC) : 87 19

FA 55 D9 91 EF C5

Length.)
4.5.62 QN.17.001.00
Verdict Passed
Test description To ensure that the Signed Dynamic Application Data is present, its contents are valid, and the
data is recovered correctly.


5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E E7 B4 32 A3 61
2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA 86 58 18 2C C5 52 4A
82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1
58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
09
D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15
9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
<not present>
D3 E9 00 4E BD 04 0B 40 89 D0 EF C2 02 06 78 1C 60 9D 6F FB AB A3 B8 03 FD 14
17 AA 4D EC AD 10 B5 A4 1D 5F 49 15 FF 89 B3 7C AC 1E 2F 63 A3 29 AE 84 93 90
D8 CA 8A CC BE 05 58 CE 9D 5D AD 09 6C 74 EC DE 88 EA 50 A8 6D E4 03 E3 E4 DE
6D 39 56 77 81 63 8F 03 AB 4E B8 82 D7 98 AD 67 76 1D 02 E1 30 C0 1B A4 BC 1E
C9 8F 02 23 99 FB 9F 25 05 8D B0 58 AD 14 15 AF CF 21 94 8A EC 2E 46 A4 BE 70
80 5D 81 3F A3 6E 4F A2 EC 83 01 07 52 67 D0 30 64 A2 08 73 97 66 2D 06 8C BA
9C 58 0B 91 DE 78 41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
present>
6E 5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E E7 B4 32
A3 61 2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA 86 58 18 2C
20 66 19 A0 82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1
▤ Deciphered Signed Dynamic Application Data : 6A 95
01 03 02 00 05 BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB C1 A8 14 42 6A 7A 97
05 8B 13 CA FC 04 7E AF C5 ED C1 E4 A2 BC
▤ 02 00 05
▤ Pad Pattern:
▤ BB BB BB BB
▤ Hash Result:
▤ C1 A8 14 42 6A 7A 97 05 8B 13 CA FC 04 7E AF C5
▤ ED C1 E4 A2

✔ Recovered Signed Data Format is '95'
✔ Recovered Pad Pattern is (Length of ICC Public Key Modulus - ICC Dynamic Data -
25) long and is padded with values of 'BB'
✔ Recovered ICC Dynamic Data length represents the actual length of ICC Dynamic
Data
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

51 16 06 28 00
POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Hash Data input = 95 01 03 02 00 05 BB BB BB BB
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB 01 02 03 04 00 00 00 00 00 00 06 43
01 70 51 16 06 28 00
▤ Data from deciphered Signed Dynamic Application Data = 95 01 03 02 00 05 BB BB
BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB BB
▤ DDOL Data to be authenticated = 01 02 03 04 00 00 00 00 00
00 06 43 01 70 51 16 06 28 00
▤ Hash Result from Signed Dynamic Application Data = C1 A8 14 42 6A 7A 97 05 8B 13
CA FC 04 7E AF C5 ED C1 E4 A2
▤ Result of SHA1 over the Hash Data = C1 A8 14 42 6A 7A 97 05 8B 13
CA FC 04 7E AF C5 ED C1 E4 A2
✔ Recovered Hash Result matchs the calculated hash result

mandatory data element Card Authentication Related Data [qVSDC] ('9F 4B'))
✔ QN.17.001.00.352 Passed. (Related Failure/Observation/Warning Message: Recovered
Signed Dynamic Application Data Signed Data Format shall be '95' for online
authorization requests.)
Signed Dynamic Application Data Pad Pattern shall be (Length of ICC Public Key
Modulus - ICC Dynamic Data - 25) long and shall be padded with values of 'BB'.)
Signed Dynamic Application Data ICC Dynamic Data Length shall represent the actual
length of ICC Dynamic Data.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.5.63 QN.20.001.00
Verdict Passed
Test description If fDDA is supported, ensure that the Card Authentication Related Data is present, has the
correct length, contains the correct value, and is contained in the last record returned by the
AFL

• Card supports fDDA

51 16 06 28 00
POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
✔ Card Authentication Related Data length is 7 bytes for VCPS 2.1, VCPS 2.2 and
VMCPS 1.4
✔ Byte 1 is set to '01'
✔ Card Authentication Related Data is contained in the last record returned by the
AFL

mandatory data element Card Authentication Related Data [qVSDC] ('9F 69'))
Length.)
value.)
✔ QN.20.001.00.103 Passed. (Related Failure/Observation/Warning Message: Card
Authentication Related Data must be contained in the last record returned by the
AFL.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.64 SE.1.001.00
Verdict Passed
Test description To ensure Application Expiration Date is present and formatted correctly

VMCPS 1.4.x

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
✔ SE.1.001.00.55 Passed. (Related Failure/Observation/Warning Message: The date
date.)
Length.)
mandatory data element Application Expiration Date ('5F 24'))
4.5.65 SE.1.002.00
Verdict Passed
Test description To ensure the correctness of Application Expiration Date (tag '5F24')

VMCPS 1.4.x

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
▤ Tag 5F 25: Application Effective Date : <not
present>
Expiration date of the Issuer Public Key Certificate (YYYYMM): 203012

Expiration Date (tag '5F24') shall be later than the Application Effective Date (tag
'5F25').)
Expiration Date (tag '5F24') must not contain 29 February (leap year).)
Expiration Date (Tag '5F24') shall be the last day of any given month indicated
(except 29 February).)
Expiration Date (Tag '5F24') shall not be later than the expiration date of the
Issuer Public key certificate associated with SDA/DDA or offline enciphered PIN.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.66 SE.4.001.00
Verdict Passed
Test description To ensure that the Application Primary Account Number (PAN) is formatted correctly

VMCPS 1.4.x

62 00 14 09 79 20

Length.)
correct.)
4.5.67 SE.4.002.00
Verdict Passed
Test description To ensure Application Primary Account Number (PAN) is present in the READ RECORD
response

VMCPS 1.4.x

62 00 14 09 79 20
mandatory data element Application Primary Account Number (PAN) ('5A'))
4.5.68 SE.4.003.00
Verdict Passed
Test description To check that the Application Primary Account Number (PAN) starts with the correct value

VMCPS 1.4.x

62 00 14 09 79 20
✔ SE.4.003.00.54 Passed. (Related Failure/Observation/Warning Message: Valid PAN
for Visa Application should start with a '4'.)
4.5.69 SE.5.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed

VMCPS 1.4.x

Length.)
correct.)
4.5.70 SE.5.002.00
Verdict Passed

VMCPS 1.4.x




4.5.71 SE.7.001.00
Verdict Passed

▤ Tag 9F 07: Application Usage Control [VCPS] : C0 80

▤ Byte 1 bit 8 = 1 Valid for domestic (manual) cash transactions
bit 7 = 1 Valid for international (manual) cash transactions
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 2 = 0 NOT Valid at ATMs
bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

Length.)
4.5.72 SE.7.002.00
Verdict Passed
present


bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.73 SE.7.004.01
(contactless)


4.5.74 SE.7.006.00
Verdict Passed


bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
4.5.75 SE.7.007.00
Credit
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.5.76 SE.7.007.01
Visa Electron


4.5.77 SE.7.007.03
Verdict Passed
Test description To ensure that the Application Usage Control (AUC) is consistent across all supported qVSDC
contactless paths when the card application supports manual cash and/or domestic cashback


bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

▤ Tag 9F 07: Application Usage Control : C0 80
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Usage Control (AUC, Tag '9F07') must contain the same value across all supported
qVSDC paths when the card application support manual cash and/or domestic cashback.)
4.5.78 SE.7.007.05
Verdict Passed
Test description To ensure that the Application File Locator identifies the record containing the Application
Usage Control when the card application supports manual cash and/or domestic cashback.


02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
• Application Usage Control found in SFI 3, record 2
• SFI 3, record 2 is indicated in the AFL
▤ GPO response:
20
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
01 02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
2F
▤ Text value = /
▤ Tag 9F 10: Issuer Application Data [VCPS 2.2] : 06
01 11 03 A0 20 00
performed
performed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 1 = 0 Offline static data authentication passed or
performed
not supported)
19 FA 55 D9 91 EF C5
05
▤ Tag 9F 4B: Signed Dynamic Application Data : 93
C5 88 C1 D8 98 D0 88 F1 EB 4F BE A6 2D C0 EB 1E 51 5B FC B7 94 E8 D0 B0 BC 70
DE 6E 6E 5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04 A1 02 79 89 2E
E7 B4 32 A3 61 2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA
86 58 18 2C C5 52 4A 01 5F 15 97 EB 87 52 18 A4 B8 A7 6C 47 B3 3F AB 2D 8B 5F
96 1A B7 2F 1A 20 66 19 A0 82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F F1
00
POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
70 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

way messaging
bit 1 = 0 RFU
▤ Byte 3: 00 RFU

File Locator (AFL, tag '94') must identifies the record containing the Application
Usage Control (AUC, tag '9F07') when the card application supports manual cash and
/or domestic cashback)
Usage Control (AUC, tag '9F07') byte 1 bit 8 does not correspond to the option
selected in the ICS "Contactless - manual cash and cashback" section.)
Usage Control (AUC, tag '9F07') and/or Issuer Country Code (tag '5F28') are returned
in the GPO Response instead of Record.)
4.5.79 SE.7.007.06
Test description To ensure that the Application Usage Control (AUC) and Issuer Country Code (tag '5F28') are
not personalized when the card application does not support manual cash nor cashback


Card application supports Contactless - domestic manual cash transactions
Card application supports Contactless - international manual cash transactions
Card application supports Contactless - domestic cashback transactions
4.5.80 SE.10.001.00


11 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
4.5.81 SE.10.002.00
value

Specification: VCPS 2.0.2 VCPS 2.1.x VMCPS 1.4.x

11 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
4.5.82 SE.10.003.00
Verdict Passed
correct values


11 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
• IAD Format: 1
CVN value.)
CVR length.)
✔ Byte 5 (CVR): bits 4, 2, 1 set to "Not used for VCPS"
✔ Byte 6 (CVR): bits 8, 5, 3-1 set to "Not used for VCPS"
✔ Byte 7 (CVR): bits 3-1 set to "Not used for VCPS"
4.5.83 SE.10.003.01
Verdict Passed

▤ Tag 9F 08: Application Version Number [VIS] : <not

present>
11 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
IDD Option ID.)
4.5.84 SE.10.003.02


11 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
2.2.4
4.5.85 SE.14.001.00
Verdict Passed
Test description To ensure that the ICC Public Key Certificate is present and its length and format are correct
(when applicable)

VMCPS 1.4.x

▤ Tag 9F 46: ICC Public Key Certificate : 61 D3
07 52 67 D0 30 64 A2 08 73 97 66 2D 06 8C BA 9C 58 0B 91 DE 78 41 75 DF 5B 44 85 F0
C8 2A 58 74 C6 68
4.5.86 SE.14.002.00
Verdict Passed
Test description To ensure that the ICC Public Key Certificate (when present) is equal to the length of the Issuer
Public Key Modulus

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
7C 1D 6C 29
07 52 67 D0 30 64 A2 08 73 97 66 2D 06 8C BA 9C 58 0B 91 DE 78 41 75 DF 5B 44 85 F0
C8 2A 58 74 C6 68
• Length of Issuer Public Key Modulus : 176
• Length of ICC Public Key Certificate: 176
✔ SE.14.002.00.105 Passed. (Related Failure/Observation/Warning Message: ICC Public

Key Certificate length shall be equal to the length of Issuer Public Key Modulus.)
4.5.87 SE.14.003.00
Test description To check that the ICC Public Key Certificate is not present (when not required)

VMCPS 1.4.x

Card supports fDDA
4.5.88 SE.14.004.00
Verdict Passed
Test description To check that the ICC Public Key (when present) is a multiple of 16 so that the card can be
accepted at all terminals

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

present>
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
• Length of ICC Public Key in bits :1024
✔ SE.14.004.00.97 Passed. (Related Failure/Observation/Warning Message: Length of

ICC Public Key not multiple of 16 and may cause interoperability issues.)
4.5.89 SE.15.001.00
Verdict Passed
Test description To ensure ICC Public Key Exponent is present (when applicable)

VMCPS 1.4.x

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.90 SE.15.002.00
Verdict Passed
Test description To ensure that the ICC Public Key Exponent has the correct length and one of the correct
values (when present)

VMCPS 1.4.x

Length.)
4.5.91 SE.15.003.00
Verdict Passed
Test description When the ICC Public Key Exponent is present, it is recommended to use '03' instead of 2^16 +1

VMCPS 1.4.x

4.5.92 SE.15.004.00
Test description To check that the ICC Public Key Exponent is not present (when not required)

VMCPS 1.4.x

Card supports fDDA
4.5.93 SE.16.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure ICC Public Key Remainder is present and has the correct length (when applicable)

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
present>
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Entire ICC Public Key fits into the corresponding certificate.
4.5.94 SE.16.003.00
Verdict Passed
Test description To check that the ICC Public Key Remainder is not present when not required (if the entire
public key can fit into the certificate)

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
present>
✔ SE.16.003.00.69 Passed. (Related Failure/Observation/Warning Message: Since the

ICC public key is not longer than the data retrieved from the certificate, the ICC
Public Key Remainder is not required to be personalized on this card.)
4.5.95 SE.16.004.00
Verdict Passed
Test description To ensure that the Issuer Public Key Certificate is present and its length and format are correct
(when applicable)

VMCPS 1.4.x
• Card supports fDDA or SDA

53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29

mandatory data element Issuer Public Key Certificate ('90'))
4.5.96 SE.16.005.00
Verdict Passed

VMCPS 1.4.x

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
• Length of Issuer Public Key Certificate : 1984 bits

• Length of Certification Authority Public Key Modulus : 1984 bits

length (length different from Certification Authority Public Key Modulus).)
4.5.97 SE.16.006.00

VMCPS 1.4.x

4.5.98 SE.16.007.00
Verdict Passed
or longer.

VMCPS 1.4.x

31
▤ Year : 2025
▤ Month: May
▤ Day : 31

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
7C 1D 6C 29

Public Key must be greater or equal to 1152 bits if Expiration Date (tag 5F24) is
after Dec 2016.)
4.5.99 SE.16.008.00
Verdict Passed

VMCPS 1.4.x

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
• Length of Longest CA Public Key : 1984 bits


Public Keys must be equal to or less than the longest VSDC CA Public Key (248 bytes-
1984 bits) currently being used for signing certificates.)
4.5.100 SE.16.009.00
Verdict Passed
Issuer Public Key.


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07
53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A
5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
present>
41 75 DF 5B 44 85 F0 C8 2A 58 74 C6 68
▤ ICC Public Key:
▤ D4 F2 E4 7C B3 8F A3 20 A2 3A 24 49 99 DA 1E F1
▤ 7E C4 98 C5 48 E8 5E 13 8E A5 38 CA 96 EF 44 CF
▤ FF 57 31 78 61 08 0D 16 41 40 41 D9 4F 14 21 58
▤ 1F EE 0E 68 43 31 0E 82 3A 70 2A D8 B2 C6 DF 05
▤ B9 48 26 7C 49 A8 0C 35 50 5E 5E E6 0F 65 04 2D
▤ D5 48 2E 22 8D 2D A1 41 76 24 83 0C F8 19 35 06
▤ 33 AD A6 2E 6C 77 CF 3A A7 52 FD 59 A5 18 B1 F9
▤ Padding:
▤ Hash Result:
▤ 11 86 30 33 87 2B 4F AA C0 7C A0 67 CD 7B 09 B9
▤ E5 55 29 4A
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

• Length of ICC Public Key Modulus : 1024 bits

of the ICC Public Key must be less than or equal to the length of the Issuer Public
Key.)
4.5.101 SE.16.010.02
Verdict Passed
Test description To ensure that the length of the Issuer Public Key for cards expiring after December 2019
must be 1408 bits or longer.


31
▤ Year : 2025
▤ Month: May
▤ Day : 31

58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29

Public Key length must be greater or equal to 1408-bit if Expiration Date (tag
'5F24') is after December 2019.)
4.5.102 SE.17.001.00
Verdict Passed
Test description To ensure Issuer Public Key Exponent is present (when applicable)

VMCPS 1.4.x
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


Public Key Exponent shall be present if SDA, DDA, CDA, or Offline Enciphered PIN are
supported.)
4.5.103 SE.17.002.00
Verdict Passed
Test description To ensure that the Issuer Public Key Exponent (when present) contains one of the correct
values

VMCPS 1.4.x

Length.)
4.5.104 SE.17.003.00
Verdict Passed
Test description The recommended value of the Issuer Public Key Exponent (when present) is '03'

VMCPS 1.4.x

4.5.105 SE.18.001.00
Test description To ensure that the Issuer Public Key Remainder is present and has the correct length, when
applicable
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
VMCPS 1.4.x

present>
58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29
4.5.106 SE.18.003.00
Test description To check that the Issuer Public Key Remainder is not present (when not required)

VMCPS 1.4.x

present>
58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96 07 86
7C 1D 6C 29

4.5.107 SE.21.001.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the SDA Tag List (if present) only contains the Application Interchange Profile

VMCPS 1.4.x

▤ SDA Tag(1) = 82 [Application Interchange Profile [VCPS]]
▤ Tag : 82
▤ Name : Application Interchange Profile [VCPS]
✔ SE.21.001.00.92 Passed. (Related Failure/Observation/Warning Message: Static Data
Authentication Tag List (Tag '9F4A') shall only contain the tag for the AIP if it is
present)
4.5.108 SE.21.003.01
Test description To ensure Static Data Authentication Tag List (tag '9F4A') is present when it is required

• Contactless interface:
07 52 67 D0 30 64 A2 08 73 97 66 2D 06 8C BA 9C 58 0B 91 DE 78 41 75 DF 5B 44 85 F0
C8 2A 58 74 C6 68
• Contact interface:
2D 8D DF F7 16 4C

qVSDC and contact VSDC maintain different ICC Public Key Certificates
4.5.109 SE.22.001.00
Test description To ensure tags in different transaction paths have the same value
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


4.5.110 SE.23.001.00
Verdict Passed

• Check tag '5F 20' consistency:

▤ Text value = /
✔ Tag 5F 20 from qVSDC online transaction is the same as from qVSDC online
transaction with ODA
Application data element Cardholder Name ('5F 20') inconsistent across transaction
paths.)
• Check tag '57' consistency:

62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
✔ Tag '57' from qVSDC online transaction is the same as from qVSDC online
transaction with ODA (excluding discretionary data)
Application data element Track 2 Equivalent Data ('57') inconsistent across
transaction paths.)
• Check tag '5A' consistency:

62 00 14 09 79 20
Application data element Application PAN ('5A') inconsistent across transaction
paths.)

31
▤ Year : 2025
▤ Month: May
▤ Day : 31
Application data element Application Expiration Date ('5F 24') inconsistent across
transaction paths.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

✔ Tag 5F 34 from qVSDC online transaction is the same as from qVSDC online
transaction with ODA
Application data element Application PAN Sequence Number ('5F 34') inconsistent
across transaction paths.)
4.5.111 SE.24.001.00
Test description To ensure if the Form Factor Indicator (FFI) is version 2, the card capabilities set in the FFI
correspond to the CVMs set in the Card Additional Processes.


11 03 A0 20 00
supported)
2.2.4
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.112 SE.40.001.03
Verdict Passed
Test description To ensure that Certification Authority Public Key Index (PKI) has correct value

VMCPS 1.4.x


4.5.113 SH.6.001.01
Test description To ensure contactless-only devices (non-card Form Factors) do not request to process
transaction as a contact chip transaction


Application is not contactless only
4.5.114 SH.6.001.02
Test description To ensure contactless-only card does not request to process transaction as a contact chip
transaction

▤ Tag 9F 6E: Form Factor Indicator [qVSDC] : <not

present>
Test is only applicable for Form Factor Indicator (tag '9F6E') equal to standard
card
4.5.115 SH.40.001.02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Cryptogram Information Data (tag '9F27') is present and contains the
correct values


mandatory data element Cryptogram Information Data (CID) ('9F 27'))
✔ SH.40.001.02.7 Passed. (Related Failure/Observation/Warning Message: RFU value
shall not be used.)
4.5.116 SH.40.001.03
Verdict Passed
Test description To ensure that the Certificate Authority Public Key Index is present (when required) and that
the length is correct.

• Card support fDDA or SDA

✔ Certificate Authority Public Key has valid length
✔ SH.40.001.03.377 Passed. (Related Failure/Observation/Warning Message: CA Public

Key Index is missing.)
Length.)
4.5.117 SH.42.001.00
Test description To ensure that Mobile Application Identifier is present and formatted correctly


Issuer Update Processing Over the Air support is not indicating in ICS.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.5.118 SH.42.002.00
Test description To ensure that the Issuing (ISO) BIN contained in the Mobile Application Identifier is consistent
with the PAN found in Track 2 Equivalent Data


Mobile Application Identifier (Tag 'CF') is not present
4.6 AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction
4.6.1 AD.1.003.04
Test description To ensure that if qVSDC with either Cryptogram 10, 18 or 22 is supported, the PDOL contains
the correct data elements with the correct lengths


Cryptogram Version Number is not 10 ('0A'), 18 ('12') or '22'
4.6.2 DE.6.003.00
Verdict Passed


73 61

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Length.)
4.6.3 DE.6.003.01
match


4.6.4 DE.26.004.00


4.6.5 DE.26.006.00
Verdict Passed
Test description To ensure that the Issuer Country Code is consistent across all supported contact and
contactless paths


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330



Country Code (Tag '5F28') must contain the same value across all supported contact
and contactless paths.)
4.6.6 DE.60.001.00
Verdict Passed
Test description To ensure qVSDC Online-Decline without ODA transaction data does not include data elements
required for Offline Data Authentication and the additional contactless data elements as listed
in the pass criteria

✔ Tag: 9F 46, ICC Public Key Certificate not retrievable with READ RECORD
✔ DE.60.001.00.317 Passed. (Related Failure/Observation/Warning Message: ICC Public
Key Certificate must not be present in the record. Presence of the ICC Public Key
Certificate significantly increases risk of an interoperability issue with
contactless devices.)
✔ Tag: 9F 47, ICC Public Key Exponent not retrievable with READ RECORD
Key Exponent must not be present in the record. Presence of the ICC Public Key
Exponent significantly increases risk of an interoperability issue with contactless
devices.)
✔ Tag: 9F 48, ICC Public Key Remainder not retrievable with READ RECORD
Key Remainder must not be present in the record. Presence of the ICC Public Key
Remainder significantly increases risk of an interoperability issue with contactless
devices.)
✔ Tag: 90, Issuer Public Key Certificate not retrievable with READ RECORD
Public Key Certificate must not be present in the record. Presence of the Issuer
Public Key Certificate significantly increases risk of an interoperability issue
with contactless devices.)
✔ Tag: 9F 32, Issuer Public Key Exponent not retrievable with READ RECORD
Public Key Exponent must not be present in the record. Presence of the Issuer Public
Key Exponent significantly increases risk of an interoperability issue with
✔ Tag: 92, Issuer Public Key Remainder not retrievable with READ RECORD
Public Key Remainder must not be present in the record. Presence of the Issuer
Public Key Remainder significantly increases risk of an interoperability issue with
✔ Tag: 8F, Certification Authority Public Key Index not retrievable with READ
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ Tag: 8F, Certification Authority Public Key Index not retrievable with READ
RECORD
Certification Authority Public Key Index must not be present in the record. Presence
of the Certification Authority Public Key Index significantly increases risk of an
interoperability issue with contactless devices.)
✔ Tag: 5A, Application Primary Account Number (PAN) not retrievable with READ
RECORD
Application Primary Account Number (PAN) must not be present in the record. Presence
of the Application Primary Account Number (PAN) significantly increases risk of an
✔ Tag: 5F 24, Application Expiration Date not retrievable with READ RECORD
Application Expiration Date must not be present in the record. Presence of the
Application Expiration Date significantly increases risk of an interoperability
issue with contactless devices.)
✔ Tag: 93, Signed Static Application Data not retrievable with READ RECORD
Static Application Data must not be present in the record. Presence of the Signed
Static Application Data significantly increases risk of an interoperability issue
✔ Tag: 9F 4B, Signed Dynamic Application Data not retrievable with READ RECORD
Dynamic Application Data must not be present in the record. Presence of the Signed
Dynamic Application Data significantly increases risk of an interoperability issue
✔ Tag: 9F 69, Card Authentication Related Data [qVSDC] not retrievable with READ
RECORD
✔ DE.60.001.00.317 Passed. (Related Failure/Observation/Warning Message: Card
Authentication Related Data [qVSDC] must not be present in the record. Presence of
the Card Authentication Related Data [qVSDC] significantly increases risk of an
4.6.7 DE.60.001.01
Verdict Passed
Test description To ensure Application PAN Sequence Number is not returned in the record.

✔ Tag: 5F 34, Application PAN Sequence Number not retrievable with READ RECORD
Application PAN Sequence Number is present in the record. Some VCPS 2.0.2 devices
"ignore" the Application PAN Sequence Number when it is returned in the record which
may lead to transaction decline.)
4.6.8 DS.5.003.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the card responds to the GET PROCESSING OPTIONS command according to
Response Message Template Format 2

▤ GPO response: 77 52 82 02 00 20 94 04 18 02 02 00 57 13 48 89 62 00 14 09 79 20 D2
50 52 21 17 71 68 80 00 00 0F 5F 20 02 20 2F 5F 34 01 01 9F 10 07 06 01 11 03 A0 20
00 9F 26 08 7C 85 59 34 77 31 03 54 9F 27 01 80 9F 36 02 00 04 9F 6C 02 28 00 9F 6E
04 20 70 00 00 90 00

element.)
✔ DS.5.003.00.854 Passed. (Related Failure/Observation/Warning Message: The card
does not return a valid response to a GET PROCESSING OPTIONS command.)
4.6.9 DS.5.004.00
Verdict Passed
Test description To ensure that the GET PROCESSING OPTIONS Response data does not include non-explicitly
listed data elements


20
bit 6 = 0 Offline dynamic data authentication is NOT supported
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
02 02 00
▤ AFL (1) = 18 02 02 00
▤ End record = 2
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
2F
▤ Text value = /
11 03 A0 20 00
performed
performed
not supported)
▤ Tag 9F 26: Application Cryptogram (AC) : 7C
85 59 34 77 31 03 54
00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
70 00 00
messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
✔ DS.5.004.00.320 Passed. (Related Failure/Observation/Warning Message: <Data
element name> must not be present in the GET PROCESSING OPTIONS Response.)
4.6.10 ES.2.001.01
Verdict Passed


00 51 00 51
▤ Bytes 2-3 = 00 51 AMD
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.6.11 GE.1.006.00
Verdict Passed


4.6.12 GE.2.002.00
Verdict Passed
Test description To ensure that the data objects used exclusively for contact chip transactions are not returned
for contactless transactions.

✔ GE.2.002.00.6 Passed. (Related Failure/Observation/Warning Message: Unnecessary

contact-only data objects were returned for the contactless transaction.)
4.6.13 GE.3.001.00
Verdict Passed


none
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

are none.)
card are none.)
4.6.14 GE.3.002.00
Verdict Passed


4.6.15 GE.3.003.00
Verdict Passed
Data Objects.

✔
✔

not correct.)
4.6.16 GE.4.001.00
Verdict Passed
bytes
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


tag and length.)
4.6.17 GE.4.001.00.PVT
Test description To ensure that AC Issuer Master Key is correctly personalized on the contactless interface.


Dynamic Test is not switched on in test configuration
4.6.18 ID.1.004.00
settings


▤ VIS 1.6.0
ADA (tag '9F52') is not present
2.2.1 and above
4.6.19 MD.3.001.00
Verdict Passed
Test description To ensure that if Cardholder Name is present, it has the correct format and length


▤ Text value = /
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Text value = /

Length.)
correct.)
4.6.20 MD.13.002.00
Test description To ensure the Form Factor Indicator (FFI) is present and formatted correctly


4.6.21 MD.21.001.01
Verdict Passed
Test description To ensure that the Track 2 Equivalent Data is present in response to the GPO command or
ReadRecord response and correctly formatted


62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920

mandatory data element Track 2 Equivalent Data ('57'))
Length.)
Equivalent Data (Tag '57') - Primary Account Number shall not be greater than 19
digits.)
Equivalent Data (Tag '57') - Field separator shall be half-byte 'D'.)
Equivalent Data (Tag '57') - Expiration Date shall be encoded in YYMM format.)
Equivalent Data (Tag '57') - Service Code shall be 3 digits long and first digit
shall be 2 or 6 (international or domestic cards using alternate technology (EMV-
compliant integrated circuit card containing VSDC applications)).)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Equivalent Data (Tag '57') - Discretionary Data - Padding shall be limited to one
'F'.)
4.6.22 MD.22.001.00
Verdict Passed
Test description To ensure Application Transaction Counter (ATC) is present in the GET PROCESSING OPTIONS
response and formatted correctly


Length.)
4.6.23 MD.26.002.00
Test description To ensure that the Cardholder Name returned over the contactless interface does not match
the 'real' cardholder name encoded on the physical magnetic stripe


▤ Text value = /
Magstripe Track 1 data is not formatted correctly
4.6.24 MD.26.003.00
Verdict Passed
Test description To check that the Cardholder Name when returned contains same value across contactless
paths


▤ Text value = /
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

✔ MD.26.003.00.185 Passed. (Related Failure/Observation/Warning Message: Cardholder
Name (tag '5F20') when returned should contain the same value across contactless
paths.)
4.6.25 MD.29.001.00
Test description To ensure that Customer Exclusive Data has the correct length (if present)


4.6.26 MD.29.002.00
Test description To check that the Customer Exclusive Data is consistent across all supported contactless paths


4.6.27 MD.31.001.00
Verdict Passed
Test description To ensure that the Form Factor Indicator (FFI) is present and formatted correctly when FFI
version 1 is used for a standard card


00 00
messaging
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
F0 00
transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Tag DF 01: Unknown Data Element : 00 00

mandatory data element Form Factor Indicator [qVSDC] ('9F 6E'))
Length.)
✔ MD.31.001.00.4 Passed. (Related Failure/Observation/Warning Message: All RFU/'Not
correct.)
✔ MD.31.001.00.12 Passed. (Related Failure/Observation/Warning Message: Incorrect
value.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.6.28 MD.31.001.01
Test description To ensure that the Form Factor Indicator (FFI) is present and formatted correctly (for non-
mobile, non-card form factors).


Test is not applicable on card form factor
4.6.29 MD.31.001.03
2 is used for a standard card


▤ VIS 1.6.0
00 00
messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
2.2.4 and above
4.6.30 MD.31.001.04
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

number is 2 (for standard card)


▤ VIS 1.6.0
00 00
messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
2.2.4 and above
4.6.31 MD.31.002.00
Verdict Passed
Test description To ensure that the Form Factor Indicator (FFI) is consistent across all supported contactless
paths


00 00
messaging
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU

▤ Tag 9F 6E: Form Factor Indicator : 20 70
00 00
✔ MD.31.002.00.162 Passed. (Related Failure/Observation/Warning Message: Format

Factor Indicator (Tag '9F6E') must contain the same value across all supported
contactless paths.)
4.6.32 MS.1.003.01

4.6.33 MS.1.006.00

VCPS 2.2.x

Track 1 Discretionary Data (Tag '9F1F') is not present
4.6.34 MS.2.002.01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

4.6.35 MS.2.004.01

VCPS 2.2.x
4.6.36 PR.1.001.00
value


present>
4.6.37 PS.11.001.00


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.6.38 QF.6.001.00
Test description To check that the Card Transaction Qualifiers (CTQ) is set to the Visa recommended value (if
present) (for Plus)


4.6.39 QF.11.001.00
Verdict Passed
Test description To ensure that the type of Application Cryptogram is ARQC or AAC.


11 03 A0 20 00
supported)
✔ The type of Application Cryptogram is ARQC/AAC
◯ Comparing cvr
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
✔ The type of Application Cryptogram is ARQC/AAC

◯ Comparing cvr
⃖ Evaluated: 03 A0 20 00
⇦ Expected: ..
▤ 03 .. .. .. concatenation
▤ '03'h
▤ '10??0?00'b
▤ '0??0?000'b
▤ '?????000'b
▤ 00 .. .. .. .. concatenation
▤ '00000000'b
▤ '10??0?00'b
▤ '0??0?000'b
▤ '?????000'b
▤ '000000??'b
✔ QF.11.001.00.939 Passed. (Related Failure/Observation/Warning Message: The type

of Application Cryptogram must be ARQC or AAC.)
✔ QF.11.001.00.859 Passed. (Related Failure/Observation/Warning Message: All RFU
bits of CVR shall be set to values specified in [VCPS 2.2 Table M-2])
4.6.40 QN.10.001.00
contains the correct value


4.6.41 QN.10.001.01
Verdict Passed
Test description To ensure that the Application Interchange Profile (tag '82') is present, is the correct length,
and contains the correct value


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

mandatory data element Application Interchange Profile [VCPS] ('82'))
Length.)
value.)
4.6.42 QN.10.002.00
contains the correct value (for mobile handset)


4.6.43 QN.10.003.03
Verdict Passed
Test description To ensure that the Application File Locator (AFL) returned in the GET PROCESSING OPTIONS
Response is consistent with the Application Interchange Profile (AIP).

• Application File Locator (AFL) (Tag '94') is present.

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
02 00
▤ AFL (1) = 18 02 02 00
▤ End record = 2
• SDA and DDA not supported, (AIP byte 1 bit 7-6 set to 00b)
✔ QN.10.003.03.196 Passed. (Related Failure/Observation/Warning Message: The

Application File Locator (tag '94') byte 4 of each AFL group of four bytes shall be
set to '00' when the Application Interchange Profile (tag '82') byte 1 bits 7-6 are
00b (SDA not supported, DDA not supported).)
4.6.44 QN.12.001.00
Verdict Passed
Test description To ensure that Card Transaction Qualifiers (CTQ) has the correct length (if present).

▤ Tag 9F 6C: Card Transaction Qualifiers [qVSDC VCPS 2.2] : 28 00

is online capable
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Length.)
4.6.45 QN.12.002.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that if the Application File Locator (AFL) is present in the GET PROCESSING OPTIONS
response, the length and format are correct.


02 00
▤ AFL (1) = 18 02 02 00
▤ End record = 2

Length.)
✔ QN.12.002.00.8 Passed. (Related Failure/Observation/Warning Message: Format not
correct.)
✔ QN.12.002.00.308 Passed. (Related Failure/Observation/Warning Message: Unable to
read records.)
4.6.46 QN.12.003.00
Verdict Passed
Test description To ensure the Application File Locator (AFL) is correctly formatted and holds a valid value.


02 00
▤ AFL (1) = 18 02 02 00
▤ End record = 2
✔ Length is valid (up to 252)
✔ Application File Locator (AFL) (tag '94') Byte 1 Bit 3 – Bit 1 are zeroes
▤ Response on Read Record command (sfi: 03, record: 02): 70 0A 9F 07 02 C0 80 5F 28

02 00 51 90 00
✔ SFI (Byte 1) is coded correctly for the terminal to access to in READ RECORD
command
✔ Record Numbers (Byte 2 and Byte 3) is coded correctly for the terminal to access
to in READ RECORD command
✔ Value of first Record Number (Byte 2) is not '00' and is lower than or equal to
the last Record Numbers (Byte 3)

Length.)
✔ QN.12.003.00.59 Passed. (Related Failure/Observation/Warning Message: Application
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

File Locator (Tag '94') Byte 1 (SFI) shall be coded correctly for the terminal to
access to using READ RECORD command.)
File Locator (tag '94') Byte 2 and Byte 3 (Record Numbers) shall be coded correctly
for the terminal to access to using Read Record command.)
4.6.47 QN.16.001.00
Verdict Passed
Test description To ensure that Application Cryptogram (AC) is present in the GET PROCESSING OPTIONS
response and length and format are correct

▤ Tag 9F 26: Application Cryptogram (AC) : 7C 85

59 34 77 31 03 54

Length.)
4.6.48 SE.5.001.00
Verdict Passed

VMCPS 1.4.x

Length.)
correct.)
4.6.49 SE.5.002.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

VMCPS 1.4.x




4.6.50 SE.7.001.00
Verdict Passed


bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

Length.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.6.51 SE.7.002.00
Verdict Passed
present


bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

4.6.52 SE.7.004.01
(contactless)


4.6.53 SE.7.006.00
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
4.6.54 SE.7.007.00
Credit


4.6.55 SE.7.007.01
Visa Electron


PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.6.56 SE.7.007.03
Verdict Passed
Test description To ensure that the Application Usage Control (AUC) is consistent across all supported qVSDC
contactless paths when the card application supports manual cash and/or domestic cashback


bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU

▤ Tag 9F 07: Application Usage Control : C0 80

Usage Control (AUC, Tag '9F07') must contain the same value across all supported
qVSDC paths when the card application support manual cash and/or domestic cashback.)
4.6.57 SE.7.007.04
Test description To ensure that the Application Usage Control is consistent across all supported qVSDC
contactless paths when the card application does not support manual cash nor cashback


Card application supports manual cash or cashback
4.6.58 SE.7.007.05
Verdict Passed
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Test description To ensure that the Application File Locator identifies the record containing the Application
Usage Control when the card application supports manual cash and/or domestic cashback.


02 00
▤ AFL (1) = 18 02 02 00
▤ End record = 2
bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
• Application Usage Control found in SFI 3, record 2
• SFI 3, record 2 is indicated in the AFL
▤ GPO response:
20
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
02 02 00
▤ AFL (1) = 18 02 02 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ AFL (1) = 18 02 02 00
▤ End record = 2
89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
2F
▤ Text value = /
▤ Tag 9F 10: Issuer Application Data [VCPS 2.2] : 06
01 11 03 A0 20 00
performed
performed
bit 1 = 0 Offline static data authentication passed or
performed
not supported)
▤ Tag 9F 26: Application Cryptogram (AC) : 7C
85 59 34 77 31 03 54
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

04
00
POS
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
70 00 00
way messaging
bit 1 = 0 RFU
▤ Byte 3: 00 RFU

File Locator (AFL, tag '94') must identifies the record containing the Application
Usage Control (AUC, tag '9F07') when the card application supports manual cash and
/or domestic cashback)
Usage Control (AUC, tag '9F07') and/or Issuer Country Code (tag '5F28') are returned
in the GPO Response instead of Record.)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.6.59 SE.7.007.06
Test description To ensure that the Application Usage Control (AUC) and Issuer Country Code (tag '5F28') are
not personalized when the card application does not support manual cash nor cashback


Card application supports Contactless - domestic manual cash transactions
Card application supports Contactless - international manual cash transactions
Card application supports Contactless - domestic cashback transactions
4.6.60 SE.10.001.00


11 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
4.6.61 SE.10.002.00
value

Specification: VCPS 2.0.2 VCPS 2.1.x VMCPS 1.4.x

11 03 A0 20 00
supported)
4.6.62 SE.10.003.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
correct values


11 03 A0 20 00
supported)
• IAD Format: 1
CVN value.)
CVR length.)
✔ Byte 5 (CVR): bits 4, 2, 1 set to "Not used for VCPS"
✔ Byte 6 (CVR): bits 8, 5, 3-1 set to "Not used for VCPS"
✔ Byte 7 (CVR): bits 3-1 set to "Not used for VCPS"
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.6.63 SE.10.003.01
Verdict Passed

▤ Tag 9F 08: Application Version Number [VIS] : <not

present>
11 03 A0 20 00
supported)
IDD Option ID.)
4.6.64 SE.10.003.02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330


11 03 A0 20 00
supported)
2.2.4
4.6.65 SE.16.005.00

VMCPS 1.4.x

Issuer Public Key Certificate (tag '90') is not present.
Certification Authority Public Key Index (PKI) (Tag '8F') is not present.
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
4.6.66 SE.16.006.00

VMCPS 1.4.x

Issuer Public Key Certificate (tag '90') is not present.
4.6.67 SE.16.007.00
or longer.

VMCPS 1.4.x
▤ Tag 5F 24: Application Expiration Date : <not

present>

Issuer Public Key Certificate (Tag '90') is not present.
Application Expiration Date (tag '5F 24') is not present.
4.6.68 SE.16.008.00

VMCPS 1.4.x

Issuer Public Key Certificate (Tag '90') is not present.
4.6.69 SE.16.009.00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Issuer Public Key.


ICC Public Key Certificate is not present
4.6.70 SE.22.001.00


4.6.71 SE.23.001.00
Verdict Passed


▤ Text value = /
✔ Tag 5F 20 from qVSDC online transaction with ODA is the same as from qVSDC online
transaction
Application data element Cardholder Name ('5F 20') inconsistent across transaction
paths.)
• Check tag '57' consistency:

62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

✔ Tag '57' from qVSDC online transaction with ODA is the same as from qVSDC online
transaction (excluding discretionary data)
Application data element Track 2 Equivalent Data ('57') inconsistent across
transaction paths.)
• Check tag '5A' consistency:

▤ Tag 5A : Application Primary Account Number (PAN) : <not
present>
Application data element Application PAN ('5A') inconsistent across transaction
paths.)

▤ Tag 5F 24: Application Expiration Date : <not
present>
Application data element Application Expiration Date ('5F 24') inconsistent across
transaction paths.)

✔ Tag 5F 34 from qVSDC online transaction with ODA is the same as from qVSDC online
transaction
Application data element Application PAN Sequence Number ('5F 34') inconsistent
across transaction paths.)
4.6.72 SE.24.001.00
Test description To ensure if the Form Factor Indicator (FFI) is version 2, the card capabilities set in the FFI
correspond to the CVMs set in the Card Additional Processes.


11 03 A0 20 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

supported)
2.2.4
4.6.73 SH.6.001.01
Test description To ensure contactless-only devices (non-card Form Factors) do not request to process
transaction as a contact chip transaction


4.6.74 SH.6.001.02
Test description To ensure contactless-only card does not request to process transaction as a contact chip
transaction

▤ Tag 9F 6E: Form Factor Indicator [qVSDC] : <not

present>
Test is only applicable for Form Factor Indicator (tag '9F6E') equal to standard
card
4.6.75 SH.40.001.02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Verdict Passed
Test description To ensure that the Cryptogram Information Data (tag '9F27') is present and contains the
correct values


mandatory data element Cryptogram Information Data (CID) ('9F 27'))
✔ SH.40.001.02.7 Passed. (Related Failure/Observation/Warning Message: RFU value
shall not be used.)
4.6.76 SH.42.001.00
Test description To ensure that Mobile Application Identifier is present and formatted correctly


4.6.77 SH.42.002.00
Test description To ensure that the Issuing (ISO) BIN contained in the Mobile Application Identifier is consistent
with the PAN found in Track 2 Equivalent Data


Mobile Application Identifier (Tag 'CF') is not present
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Annex A: Explorer Report

This chapter contains the data retrieved from the card. Main data are also listed on the cover page of this document.
For each application found, the data are presented in a separate section with the following structure:
Subsection 1: data elements in alphabetical order
Subsection 2: data elements sorted by tag
Subsection 3: unknown data elements present in the application
Note: This chapter does not contain test results.
A.1 Application: Visa, 'A0 00 00 00 03 10 10' (EMV transaction 1st GAC

ARQC, contact interface)
A.1.1 Application data sorted by name
A.1.1.1 Amounts Data Template
Tag BF 58
Data DF 11 06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02
00 00 00
▤ Profile: 1
A.1.1.2 Application Code Level [VSDC]
Tag 9F 7D
Data 31 36 30 34 32 38 20 56 53 44 43 20 32 39
▤ Text value = 160428 VSDC 29

VSDC applet version: VSDC 2.9
A.1.1.3 Application Cryptogram (AC)
Tag 9F 26
Data 27 3A 90 BF EB 41 5F 62
A.1.1.4 Application Currency Code [VSDC]
Tag 9F 51
Data 00 51
▤ Code (num) = 00 51
▤ Code (an) = AMD
A.1.1.5 Application Currency Exponent
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 9F 44
Data 02
A.1.1.6 Application Default Action [VSDC VIS 1.6]
Tag 9F 52
Data 82 38 00 00 00 00
▤ Byte 1 bit 8 = 1 If Issuer Authentication failure, transmit next transaction

online
failed
transaction online
current transaction
bit 6 = 1 If PIN Try Limit exceeded on previous transaction, transmit
transaction online
bit 5 = 1 If PIN Try Limit exceeded on previous transaction, decline
if unable to transmit transaction online
bit 4 = 1 If issuer script failed on a previous transaction transmit
transaction online
GENERATE AC
▤ Byte 3 bit 8 = 0 Include offline approved transactions in the transaction log
bit 7 = 0 Include online approved transactions in the transaction log
bit 6 = 0 Do not include declined transactions in the transaction log
bit 1 = 0 CTCI does not count non-matching country code transactions
bits 7-6 = 00 Do not update velocity-checking counters (RFU bits for card
with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
bit 1 = 0 Secure Messaging not uses EMV Session key-based derivation
bit 7-1 = 0000000 RFU
A.1.1.7 Application Effective Date
Tag 5F 25
Data 21 05 01
▤ Year : 2021
▤ Month: May
▤ Day : 01
A.1.1.8 Application Expiration Date
Tag 5F 24
Data 25 05 31
▤ Year : 2025
▤ Month: May
▤ Day : 31
A.1.1.9 Application File Locator (AFL)
Tag 94
Data 08 02 02 00 10 01 02 00 28 01 03 01
▤ AFL (1) = 08 02 02 00
▤ End record = 2
▤ AFL (2) = 10 01 02 00
▤ End record = 2
▤ AFL (3) = 28 01 03 01
▤ End record = 3
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
A.1.1.10 Application Interchange Profile [VIS]
Tag 82
Data 3C 00

bit 2 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.1.1.11 Application Internal Data Template
Tag BF 5B
Data DF 01 02 00 00
• Tag 'DF01' Application Capabilities: 00 00

▤ Byte 1 bit 8 = 0 Contactless functionality enabled
bit 7 = 0 Do not restrict reset of Contactless functionality
disabled bit
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 2 00 RFU
A.1.1.12 Application Label
Tag 50
Data 56 69 73 61
A.1.1.13 Application PAN Sequence Number
Tag 5F 34
Data 01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
A.1.1.14 Application Preferred Name
Tag 9F 12
Data 56 69 73 61
A.1.1.15 Application Primary Account Number (PAN)
Tag 5A
Data 48 89 62 00 14 09 79 20
A.1.1.16 Application Priority Indicator
Tag 87
Data 01

cardholder
bit 7-5= 000 RFU
A.1.1.17 Application Program Identifier
Tag 9F 5A
Data 60 00 51 00 51

▤ Bytes 2-3 = 00 51 AMD
A.1.1.18 Application Transaction Counter (ATC)
Tag 9F 36
Data 00 06
A.1.1.19 Application Usage Control
Tag 9F 07
Data FF 80

bit 6 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.1.1.20 Application Version Number [VIS]
Tag 9F 08
Data 00 A0
▤ VIS 1.6.0
A.1.1.21 Card Additional Processes [qVSDC VCPS 2.2]
Tag 9F 68
Data 4C 00 F0 00

transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 1 = 0 RFU
A.1.1.22 Card Risk Management Data Object List 1 (CDOL1)
Tag 8C
Data 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04

▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 03
▤ Length: 06
▤ Tag : 9F 1A
▤ Length: 02
▤ Tag : 95
▤ Length: 05
▤ Tag : 5F 2A
▤ Length: 02
▤ Tag : 9A
▤ Length: 03
▤ Tag : 9C
▤ Length: 01
▤ Tag : 9F 37
▤ Length: 04
A.1.1.23 Card Risk Management Data Object List 2 (CDOL2)
Tag 8D
Data 8A 02 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04
▤ Tag( 1) = 8A [Authorization Response Code]

▤ Tag : 8A
▤ Length: 02
▤ Name : Authorization Response Code
▤ Tag : 9F 02
▤ Length: 06
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Tag : 9F 03
▤ Length: 06
▤ Tag : 9F 1A
▤ Length: 02
▤ Tag : 95
▤ Length: 05
▤ Tag : 5F 2A
▤ Length: 02
▤ Tag : 9A
▤ Length: 03
▤ Tag : 9C
▤ Length: 01
▤ Tag : 9F 37
▤ Length: 04
A.1.1.24 Cardholder Name
Tag 5F 20
Data 41 52 54 55 52 2F 47 48 41 5A 41 52 59 41 4E 20 20 20 20 20 20 20 20 20
20 20
▤ Text value = ARTUR/GHAZARYAN
A.1.1.25 Cardholder Verification Method (CVM) List
Tag 8E
Data 00 00 00 00 00 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02
▤ Amount X = 00 00 00 00
▤ Amount Y = 00 00 00 00
unsuccessful))
bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

unsuccessful))
unsuccessful))
A.1.1.26 Certification Authority Public Key Index
Tag 8F
Data 09
A.1.1.27 Consecutive Transaction Counter Limit [VSDC]
Tag 9F 58
Data 00
A.1.1.28 Consecutive Transaction Counter Upper Limit [VSDC]
Tag 9F 59
Data 03
A.1.1.29 Consecutive Transaction International Upper Limit [VSDC]
Tag 9F 5E
Data 03
A.1.1.30 Consecutive Transaction Limit (International) [VSDC]
Tag 9F 53
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Data 01
A.1.1.31 Contactless Counters Data Template
Tag BF 55
Data DF 11 01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06
00 00 00 00 00 00 DF 71 06 00 00 00 00 00 00

A.1.1.32 Counters Data Template
Tag BF 56
Data DF 11 01 02 DF 21 01 00 DF 31 01 03
▤ Profile: 1
A.1.1.33 Cryptogram Information Data (CID)
Tag 9F 27
Data 80

A.1.1.34 Cumulative Total Transaction Amount Limit [VSDC]
Tag 9F 54
Data 00 00 00 00 00 00
A.1.1.35 Cumulative Total Transaction Amount Upper Limit [VSDC]
Tag 9F 5C
Data 00 00 02 00 00 00
A.1.1.36 Dedicated File (DF) Name
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 84
Data A0 00 00 00 03 10 10
A.1.1.37 Dynamic Data Authentication Data Object List (DDOL)
Tag 9F 49
Data 9F 37 04

▤ Tag : 9F 37
▤ Length: 04
A.1.1.38 ICC Public Key Certificate
Tag 9F 46
Data 54 19 A5 B1 84 FE BA BE 00 7D FF 1D BA 4A 61 F3 C6 7A 79 17 0A 32 C1 FA
99 C9 E4 7A 69 E5 86 24 79 8B F6 8E F0 5E 87 7F 80 DA 2F 0B 79 EF 1C 01
BA 56 7D B6 2A 37 69 0C 9C 42 08 A8 3C DB CF 46 48 B0 9C 6A B6 84 E8 F1
19 CC 02 DA E6 55 E1 10 15 3B B3 D6 6D 10 E0 75 DE 6E 54 E9 1E E2 09 89
46 FB FD A1 69 1D 7F B2 DB B6 70 5B C7 1A 71 92 B0 C9 F2 8B 36 C6 BF 2C
7D 65 8A 43 D5 EA 82 57 0F FA 3B E5 9C 47 A7 36 7B 51 43 0E 0D 73 A1 54
B2 14 74 FD F2 52 57 F9 09 33 30 03 B1 1D 76 84 D8 7A 99 C6 B4 C7 B0 C4
B8 94 2D 8D DF F7 16 4C
A.1.1.39 ICC Public Key Exponent
Tag 9F 47
Data 03
A.1.1.40 International Counters Data Template
Tag BF 57
Data DF 11 01 02 DF 21 01 01 DF 31 01 03 DF 51 01 02
▤ Profile: 1
A.1.1.41 Issuer Action Code - Default
Tag 9F 0D
Data B8 60 AC 88 00

bit 6 = 1 Reject if unable to process online and if ICC data missing
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

selected
bit 1 = 0 RFU
application
yet effective
bit 5 = 0 Do not reject if unable to process online and if Requested
service not allowed for card product
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Unrecognised CVM
exceeded
bit 5 = 0 Do not reject if unable to process online and if PIN entry
required and PIN pad not present or not working
entered
bit 2 = 0 RFU
bit 1 = 0 RFU
exceeds floor limit
transaction online
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
TDOL used
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.1.1.42 Issuer Action Code - Denial
Tag 9F 0E
Data 00 10 00 00 00
▤ Byte 1 bit 8 = 0 Do not decline if Offline data authentication was not

performed
bit 7 = 0 Do not decline if Offline static data authentication failed
bit 6 = 0 Do not decline if ICC data missing
bit 5 = 0 Do not decline if Card appears on terminal exception file
bit 4 = 0 Do not decline if Offline dynamic data authentication
failed
bit 3 = 0 Do not decline if Combined DDA/AC Generation failed
bit 2 = 0 Do not decline if SDA selected
bit 1 = 0 RFU
▤ Byte 2 bit 8 = 0 Do not decline if ICC and terminal have different
bit 7 = 0 Do not decline if Expired application
bit 6 = 0 Do not decline if Application not yet effective
bit 5 = 1 Decline if Requested service not allowed for card product
bit 4 = 0 Do not decline if New card
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 3 bit 8 = 0 Do not decline if Cardholder verification was not successful
bit 7 = 0 Do not decline if Unrecognised CVM
bit 6 = 0 Do not decline if PIN Try Limit exceeded
bit 5 = 0 Do not decline if PIN entry required and PIN pad not
present or not working
bit 4 = 0 Do not decline if PIN entry required, PIN pad present, but
PIN was not entered
bit 3 = 0 Do not decline if Online PIN entered
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 4 bit 8 = 0 Do not decline if Transaction exceeds floor limit
bit 7 = 0 Do not decline if Lower consecutive offline limit exceeded
bit 6 = 0 Do not decline if Upper consecutive offline limit exceeded
bit 5 = 0 Do not decline if Transaction selected randomly for online
processing
bit 4 = 0 Do not decline if Merchant forced transaction online
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8 = 0 Do not decline if Default TDOL used
bit 7 = 0 Do not decline if Issuer authentication was unsuccessful
bit 6 = 0 Do not decline if Script processing failed before final
GENERATE AC
bit 5 = 0 Do not decline if Script processing failed after final
GENERATE AC
bit 4 = 0 RFU
bit 3 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.1.1.43 Issuer Action Code - Online
Tag 9F 0F
Data B8 68 BC 98 00

failed
bit 1 = 0 RFU
bit 5 = 0 Do not go online if Requested service not allowed for card
product
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 5 = 1 Go online if PIN entry required and PIN pad not present or
not working
was not entered
bit 2 = 0 RFU
bit 1 = 0 RFU
exceeded
exceeded
processing
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 Do not go online if Issuer authentication was unsuccessful
GENERATE AC
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

GENERATE AC
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.1.1.44 Issuer Application Data [VIS 1.6]
Tag 9F 10
Data 06 01 0A 03 A0 A0 02

bit 3 = 0 Offline dynamic data authentication passed or was not
performed on last transaction
bit 1 = 0 PIN verification command received for a PIN-Expecting
card or card does not expect PIN (i.e. Offline PIN verification not supported)
A.1.1.45 Issuer Authentication Indicator [VSDC]
Tag 9F 56
Data 80

bit 7-1= 0000000 RFU
A.1.1.46 Issuer Code Table Index
Tag 9F 11
Data 01
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
A.1.1.47 Issuer Country Code
Tag 5F 28
Data 00 51
A.1.1.48 Issuer Country Code [VSDC]
Tag 9F 57
Data 00 51
A.1.1.49 Issuer Public Key Certificate
Tag 90
Data 3F 58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33
30 96 07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04 96 65 45 B6 33 D5
91 F4 DD F0 24 40 B7 14 DB 63 CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2
37 79 2A 59 B6 D1 D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25
69 71 D2 B3 84 44 10 15 0A 02 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3
2B 0C 5D D1 D8 5B F0 7A DF 67 7B E3 58 66 AF 91 87 D6 E6 71 0C 6C 83 E5
C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67 58 7D 2B A1 BD FE 7E BF D8 12 40 69
30 9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E 14 9B 12 59 AE 2E
B7 8D D4 FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66 31 3E 98 EF 14 B9 C3 2D
BE 5C 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68
D3 3B 1B 93 7C 1D 6C 29
A.1.1.50 Issuer Public Key Exponent
Tag 9F 32
Data 03
A.1.1.51 Language Preference
Tag 5F 2D
Data 65 6E 72 75

A.1.1.52 Last Online Application Transaction Counter (ATC) Register
Tag 9F 13
Data 00 02
A.1.1.53 Personal Identification Number (PIN) Try Counter
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 9F 17
Data 03
A.1.1.54 Processing Options Data Object List (PDOL)
Tag 9F 38
Data 9F 1A 02

▤ Tag : 9F 1A
▤ Length: 02
A.1.1.55 Service Code
Tag 5F 30
Data 02 21

A.1.1.56 Signed Dynamic Application Data
Tag 9F 4B
Data 49 7E CF BA 58 A3 EF 3B 0B 59 E5 BF 82 D3 65 93 67 40 D2 37 6C 74 1D FC
22 D0 3B 29 98 E5 48 12 CE 13 F8 02 40 40 97 13 06 DF DD D0 6B AF 33 8F
F7 BA 47 F8 DE 27 14 62 60 9E 41 DC BE 16 6A 68 23 07 C1 A9 57 03 68 13
99 80 B2 39 6B 0F A8 DC 47 F6 40 51 24 A4 F4 B9 A4 3A 08 CD 93 A0 1C AD
24 73 21 DD 85 B8 ED BD 0C 2B 57 0D 7B CF 27 74 E2 33 0E C5 03 CC 5F 81
01 12 58 AB 55 77 9C FE
A.1.1.57 Static Data Authentication Tag List
Tag 9F 4A
Data 82

▤ Tag : 82
A.1.1.58 Track 1 Discretionary Data
Tag 9F 1F
Data 31 37 37 31 36 30 30 30 30 30 30 30 30 30 30 38 38 30 30 30 30 30 30 30
A.1.1.59 Track 2 Equivalent Data
Tag 57
Data 48 89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

A.1.1.60 VLP Available Funds [VSDC]
Tag 9F 79
Data 00 00 00 00 00 00
A.1.1.61 VLP Funds Limit [VSDC]
Tag 9F 77
Data 00 00 00 00 00 00
A.1.1.62 VLP Single Transaction Limit [VSDC]
Tag 9F 78
Data 00 00 00 00 00 00
A.1.2 Application data sorted by tag

Tag Element name Data
50 Application Label 56 69 73 61
57 Track 2 Equivalent Data 48 89 62 00 14 09 79 20 D2 50 52 21 17
71 68 80 00 00 0F
5A Application Primary Account Number (PAN) 48 89 62 00 14 09 79 20
5F 20 Cardholder Name 41 52 54 55 52 2F 47 48 41 5A 41 52 59
41 4E 20 20 20 20 20 20 20 20 20 20 20
5F 24 Application Expiration Date 25 05 31
5F 25 Application Effective Date 21 05 01
5F 28 Issuer Country Code 00 51
5F 2D Language Preference 65 6E 72 75
5F 30 Service Code 02 21
5F 34 Application PAN Sequence Number 01
82 Application Interchange Profile [VIS] 3C 00
84 Dedicated File (DF) Name A0 00 00 00 03 10 10
87 Application Priority Indicator 01
8C Card Risk Management Data Object List 1 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A
(CDOL1) 02 9A 03 9C 01 9F 37 04
8D Card Risk Management Data Object List 2 8A 02 9F 02 06 9F 03 06 9F 1A 02 95 05
(CDOL2) 5F 2A 02 9A 03 9C 01 9F 37 04
8E Cardholder Verification Method (CVM) 00 00 00 00 00 00 00 00 02 05 44 03 41
List 03 42 03 1E 03 1F 02
8F Certification Authority Public Key Index 09
90 Issuer Public Key Certificate 3F 58 87 17 54 6F 88 E5 05 89 FE A3 46
19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96
07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04
8D AB 04 96 65 45 B6 33 D5 91 F4 DD F0
24 40 B7 14 DB 63 CF 7E 8D 9B 00 E4 76
BF D3 91 D7 C1 CB E2 37 79 2A 59 B6 D1
D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2
DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15
0A 02 6D 24 D7 90 B4 63 24 9A 24 A4 46
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

A4 67 B3 2B 0C 5D D1 D8 5B F0 7A DF 67
7B E3 58 66 AF 91 87 D6 E6 71 0C 6C 83
E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67
58 7D 2B A1 BD FE 7E BF D8 12 40 69 30
9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7
3A FF 19 0E 14 9B 12 59 AE 2E B7 8D D4
FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66
31 3E 98 EF 14 B9 C3 2D BE 5C 2D BD 66
DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39
9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C
29
94 Application File Locator (AFL) 08 02 02 00 10 01 02 00 28 01 03 01
9F 07 Application Usage Control FF 80
9F 08 Application Version Number [VIS] 00 A0
9F 0D Issuer Action Code - Default B8 60 AC 88 00
9F 0E Issuer Action Code - Denial 00 10 00 00 00
9F 0F Issuer Action Code - Online B8 68 BC 98 00
9F 10 Issuer Application Data [VIS 1.6] 06 01 0A 03 A0 A0 02
9F 11 Issuer Code Table Index 01
9F 12 Application Preferred Name 56 69 73 61
9F 13 Last Online Application Transaction 00 02
Counter (ATC) Register
9F 17 Personal Identification Number (PIN) 03
Try Counter
9F 1F Track 1 Discretionary Data 31 37 37 31 36 30 30 30 30 30 30 30 30
30 30 38 38 30 30 30 30 30 30 30
9F 26 Application Cryptogram (AC) 27 3A 90 BF EB 41 5F 62
9F 27 Cryptogram Information Data (CID) 80
9F 32 Issuer Public Key Exponent 03
9F 36 Application Transaction Counter (ATC) 00 06
9F 38 Processing Options Data Object List 9F 1A 02
(PDOL)
9F 44 Application Currency Exponent 02
9F 46 ICC Public Key Certificate 54 19 A5 B1 84 FE BA BE 00 7D FF 1D BA
4A 61 F3 C6 7A 79 17 0A 32 C1 FA 99 C9
E4 7A 69 E5 86 24 79 8B F6 8E F0 5E 87
7F 80 DA 2F 0B 79 EF 1C 01 BA 56 7D B6
2A 37 69 0C 9C 42 08 A8 3C DB CF 46 48
B0 9C 6A B6 84 E8 F1 19 CC 02 DA E6 55
E1 10 15 3B B3 D6 6D 10 E0 75 DE 6E 54
E9 1E E2 09 89 46 FB FD A1 69 1D 7F B2
DB B6 70 5B C7 1A 71 92 B0 C9 F2 8B 36
C6 BF 2C 7D 65 8A 43 D5 EA 82 57 0F FA
3B E5 9C 47 A7 36 7B 51 43 0E 0D 73 A1
54 B2 14 74 FD F2 52 57 F9 09 33 30 03
B1 1D 76 84 D8 7A 99 C6 B4 C7 B0 C4 B8
94 2D 8D DF F7 16 4C
9F 47 ICC Public Key Exponent 03
9F 49 Dynamic Data Authentication Data Object 9F 37 04
List (DDOL)
9F 4A Static Data Authentication Tag List 82
9F 4B Signed Dynamic Application Data 49 7E CF BA 58 A3 EF 3B 0B 59 E5 BF 82
D3 65 93 67 40 D2 37 6C 74 1D FC 22 D0
3B 29 98 E5 48 12 CE 13 F8 02 40 40 97
13 06 DF DD D0 6B AF 33 8F F7 BA 47 F8
DE 27 14 62 60 9E 41 DC BE 16 6A 68 23
07 C1 A9 57 03 68 13 99 80 B2 39 6B 0F
A8 DC 47 F6 40 51 24 A4 F4 B9 A4 3A 08
CD 93 A0 1C AD 24 73 21 DD 85 B8 ED BD
0C 2B 57 0D 7B CF 27 74 E2 33 0E C5 03
CC 5F 81 01 12 58 AB 55 77 9C FE
9F 51 Application Currency Code [VSDC] 00 51
9F 52 Application Default Action [VSDC VIS 82 38 00 00 00 00
1.6]
9F 53 Consecutive Transaction Limit 01
(International) [VSDC]
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

9F 54 Cumulative Total Transaction Amount 00 00 00 00 00 00
Limit [VSDC]
9F 56 Issuer Authentication Indicator [VSDC] 80
9F 57 Issuer Country Code [VSDC] 00 51
9F 58 Consecutive Transaction Counter Limit 00
[VSDC]
9F 59 Consecutive Transaction Counter Upper 03
Limit [VSDC]
9F 5A Application Program Identifier 60 00 51 00 51
9F 5C Cumulative Total Transaction Amount 00 00 02 00 00 00
Upper Limit [VSDC]
9F 5E Consecutive Transaction International 03
Upper Limit [VSDC]
9F 68 Card Additional Processes [qVSDC VCPS 4C 00 F0 00
2.2]
9F 77 VLP Funds Limit [VSDC] 00 00 00 00 00 00
9F 78 VLP Single Transaction Limit [VSDC] 00 00 00 00 00 00
9F 79 VLP Available Funds [VSDC] 00 00 00 00 00 00
9F 7D Application Code Level [VSDC] 31 36 30 34 32 38 20 56 53 44 43 20 32
39
BF 55 Contactless Counters Data Template DF 11 01 00 DF 21 01 00 DF 31 01 03 DF
41 06 00 00 00 00 00 00 DF 51 06 00 00
00 00 00 00 DF 71 06 00 00 00 00 00 00
BF 56 Counters Data Template DF 11 01 02 DF 21 01 00 DF 31 01 03
BF 57 International Counters Data Template DF 11 01 02 DF 21 01 01 DF 31 01 03 DF
51 01 02
BF 58 Amounts Data Template DF 11 06 00 00 00 00 00 00 DF 21 06 00
00 00 00 00 00 DF 31 06 00 00 02 00 00
00
BF 5B Application Internal Data Template DF 01 02 00 00
A.1.3 Unknown data elements
There are no unknown data elements
A.2 Application: Visa, 'A0 00 00 00 03 10 10' (Contactless transaction

with Select Application and Get Data commands, contactless
interface)
A.2.1.1 Amounts Data Template
Tag BF 58
Data DF 11 06 00 00 00 00 00 00 DF 21 06 00 00 00 00 00 00 DF 31 06 00 00 02
00 00 00
▤ Profile: 1
A.2.1.2 Application Code Level [VSDC]
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 9F 7D
Data 31 36 30 34 32 38 20 56 53 44 43 20 32 39
▤ Text value = 160428 VSDC 29

VSDC applet version: VSDC 2.9
A.2.1.3 Application Currency Code [VSDC]
Tag 9F 51
Data 00 51
▤ Code (num) = 00 51
▤ Code (an) = AMD
A.2.1.4 Application Default Action [VSDC VIS 1.6]
Tag 9F 52
Data 82 38 00 00 00 00
▤ Byte 1 bit 8 = 1 If Issuer Authentication failure, transmit next transaction

online
failed
transaction online
current transaction
bit 6 = 1 If PIN Try Limit exceeded on previous transaction, transmit
transaction online
bit 5 = 1 If PIN Try Limit exceeded on previous transaction, decline
if unable to transmit transaction online
bit 4 = 1 If issuer script failed on a previous transaction transmit
transaction online
GENERATE AC
▤ Byte 3 bit 8 = 0 Include offline approved transactions in the transaction log
bit 7 = 0 Include online approved transactions in the transaction log
bit 6 = 0 Do not include declined transactions in the transaction log
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 1 = 0 CTCI does not count non-matching country code transactions
bits 7-6 = 00 Do not update velocity-checking counters (RFU bits for card
with CVN 10)
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 5 bit 8-5 = 0000 RFU
bit 1 = 0 Secure Messaging not uses EMV Session key-based derivation
bit 7-1 = 0000000 RFU
A.2.1.5 Application Internal Data Template
Tag BF 5B
Data DF 01 02 00 00
• Tag 'DF01' Application Capabilities: 00 00

▤ Byte 1 bit 8 = 0 Contactless functionality enabled
bit 7 = 0 Do not restrict reset of Contactless functionality
disabled bit
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
▤ Byte 2 00 RFU
Tag 50
Data 56 69 73 61
Tag 9F 12
Data 56 69 73 61
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 87
Data 01

cardholder
bit 7-5= 000 RFU
Tag 9F 5A
Data 60 00 51 00 51

▤ Bytes 2-3 = 00 51 AMD
Tag 9F 36
Data 00 03
A.2.1.11 Card Additional Processes [qVSDC VCPS 2.2]
Tag 9F 68
Data 4C 00 F0 00

transactions
Authorizations
bit 2 = 0 RFU
bit 1 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
bit 7 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.2.1.12 Consecutive Transaction Counter Limit [VSDC]
Tag 9F 58
Data 00
A.2.1.13 Consecutive Transaction Counter Upper Limit [VSDC]
Tag 9F 59
Data 03
A.2.1.14 Consecutive Transaction International Upper Limit [VSDC]
Tag 9F 5E
Data 03
A.2.1.15 Consecutive Transaction Limit (International) [VSDC]
Tag 9F 53
Data 01
A.2.1.16 Contactless Counters Data Template
Tag BF 55
Data DF 11 01 00 DF 21 01 00 DF 31 01 03 DF 41 06 00 00 00 00 00 00 DF 51 06
00 00 00 00 00 00 DF 71 06 00 00 00 00 00 00

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
A.2.1.17 Counters Data Template
Tag BF 56
Data DF 11 01 01 DF 21 01 00 DF 31 01 03
▤ Profile: 1
A.2.1.18 Cumulative Total Transaction Amount Limit [VSDC]
Tag 9F 54
Data 00 00 00 00 00 00
A.2.1.19 Cumulative Total Transaction Amount Upper Limit [VSDC]
Tag 9F 5C
Data 00 00 02 00 00 00
Tag 84
Data A0 00 00 00 03 10 10
A.2.1.21 International Counters Data Template
Tag BF 57
Data DF 11 01 01 DF 21 01 01 DF 31 01 03 DF 51 01 01
▤ Profile: 1
Tag 9F 11
Data 01
A.2.1.23 Issuer Country Code [VSDC]
Tag 9F 57
Data 00 51
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 5F 2D
Data 65 6E 72 75

A.2.1.25 Personal Identification Number (PIN) Try Counter
Tag 9F 17
Data 03
Tag 9F 38
Data 9F 66 04 9F 02 06 9F 37 04 5F 2A 02

▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
A.2.1.27 VLP Available Funds [VSDC]
Tag 9F 79
Data 00 00 00 00 00 00
A.2.1.28 VLP Funds Limit [VSDC]
Tag 9F 77
Data 00 00 00 00 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
A.2.1.29 VLP Single Transaction Limit [VSDC]
Tag 9F 78
Data 00 00 00 00 00 00

9F 17 Personal Identification Number (PIN) 03
Try Counter
9F 38 Processing Options Data Object List 9F 66 04 9F 02 06 9F 37 04 5F 2A 02
(PDOL)
9F 51 Application Currency Code [VSDC] 00 51
9F 52 Application Default Action [VSDC VIS 82 38 00 00 00 00
1.6]
9F 53 Consecutive Transaction Limit 01
(International) [VSDC]
9F 54 Cumulative Total Transaction Amount 00 00 00 00 00 00
Limit [VSDC]
9F 57 Issuer Country Code [VSDC] 00 51
9F 58 Consecutive Transaction Counter Limit 00
[VSDC]
9F 59 Consecutive Transaction Counter Upper 03
Limit [VSDC]
9F 5C Cumulative Total Transaction Amount 00 00 02 00 00 00
Upper Limit [VSDC]
9F 5E Consecutive Transaction International 03
Upper Limit [VSDC]
9F 68 Card Additional Processes [qVSDC VCPS 4C 00 F0 00
2.2]
9F 77 VLP Funds Limit [VSDC] 00 00 00 00 00 00
9F 78 VLP Single Transaction Limit [VSDC] 00 00 00 00 00 00
9F 79 VLP Available Funds [VSDC] 00 00 00 00 00 00
9F 7D Application Code Level [VSDC] 31 36 30 34 32 38 20 56 53 44 43 20 32
39
BF 55 Contactless Counters Data Template DF 11 01 00 DF 21 01 00 DF 31 01 03 DF
41 06 00 00 00 00 00 00 DF 51 06 00 00
00 00 00 00 DF 71 06 00 00 00 00 00 00
BF 56 Counters Data Template DF 11 01 01 DF 21 01 00 DF 31 01 03
BF 57 International Counters Data Template DF 11 01 01 DF 21 01 01 DF 31 01 03 DF
51 01 01
BF 58 Amounts Data Template DF 11 06 00 00 00 00 00 00 DF 21 06 00
00 00 00 00 00 DF 31 06 00 00 02 00 00
00
BF 5B Application Internal Data Template DF 01 02 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
A.3 Application: Visa, 'A0 00 00 00 03 10 10' (qVSDC online

transaction, contactless interface)
Tag 9F 26
Data 7C 85 59 34 77 31 03 54
Tag 94
Data 18 02 02 00
▤ AFL (1) = 18 02 02 00
▤ End record = 2
A.3.1.3 Application Interchange Profile [VCPS]
Tag 82
Data 00 20

bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Tag 50
Data 56 69 73 61
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 5F 34
Data 01
Tag 9F 12
Data 56 69 73 61
Tag 87
Data 01

cardholder
bit 7-5= 000 RFU
Tag 9F 5A
Data 60 00 51 00 51

▤ Bytes 2-3 = 00 51 AMD
Tag 9F 36
Data 00 04
A.3.1.10 Application Usage Control [VCPS]
Tag 9F 07
Data C0 80

bit 1 = 0 RFU
bit 6 = 0 RFU
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.3.1.11 Card Transaction Qualifiers [qVSDC VCPS 2.2]
Tag 9F 6C
Data 28 00

is online capable
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Tag 5F 20
Data 20 2F
▤ Text value = /
Tag 9F 27
Data 80

Tag 84
Data A0 00 00 00 03 10 10
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
A.3.1.15 Form Factor Indicator [qVSDC]
Tag 9F 6E
Data 20 70 00 00

messaging
payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
A.3.1.16 Issuer Application Data [VCPS 2.2]
Tag 9F 10
Data 06 01 11 03 A0 20 00

bit 1 = 0 Offline static data authentication passed or was not
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Tag 9F 11
Data 01
Tag 5F 28
Data 00 51
Tag 5F 2D
Data 65 6E 72 75

Tag 9F 38
Data 9F 66 04 9F 02 06 9F 37 04 5F 2A 02

▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
Tag 57
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Data 48 89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920

71 68 80 00 00 0F
5F 20 Cardholder Name 20 2F
82 Application Interchange Profile [VCPS] 00 20
94 Application File Locator (AFL) 18 02 02 00
9F 07 Application Usage Control [VCPS] C0 80
9F 10 Issuer Application Data [VCPS 2.2] 06 01 11 03 A0 20 00
9F 26 Application Cryptogram (AC) 7C 85 59 34 77 31 03 54
(PDOL)
9F 6C Card Transaction Qualifiers [qVSDC VCPS 28 00
2.2]
9F 6E Form Factor Indicator [qVSDC] 20 70 00 00
A.4 Application: Visa, 'A0 00 00 00 03 10 10' (qVSDC online transaction

with ODA, contactless interface)
Tag 9F 26
Data 87 19 FA 55 D9 91 EF C5
A.4.1.2 Application Expiration Date
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 5F 24
Data 25 05 31
▤ Year : 2025
▤ Month: May
▤ Day : 31
Tag 94
Data 18 01 02 01 10 01 04 00
▤ AFL (1) = 18 01 02 01
▤ End record = 2
▤ AFL (2) = 10 01 04 00
▤ End record = 4
A.4.1.4 Application Interchange Profile [VCPS]
Tag 82
Data 20 20

bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Tag 50
Data 56 69 73 61
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Tag 5F 34
Data 01
Tag 9F 12
Data 56 69 73 61
A.4.1.8 Application Primary Account Number (PAN)
Tag 5A
Data 48 89 62 00 14 09 79 20
Tag 87
Data 01

cardholder
bit 7-5= 000 RFU
Tag 9F 5A
Data 60 00 51 00 51

▤ Bytes 2-3 = 00 51 AMD
Tag 9F 36
Data 00 05
A.4.1.12 Application Usage Control [VCPS]
Tag 9F 07
Data C0 80

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 1 = 0 RFU
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.4.1.13 Card Authentication Related Data [qVSDC]
Tag 9F 69
Data 01 70 51 16 06 28 00

is online capable
bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
A.4.1.14 Card Transaction Qualifiers [qVSDC VCPS 2.2]
Tag 9F 6C
Data 28 00

is online capable
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

bit 6 = 0 RFU
bit 5 = 0 RFU
bit 4 = 0 RFU
bit 3 = 0 RFU
bit 2 = 0 RFU
bit 1 = 0 RFU
Tag 5F 20
Data 20 2F
▤ Text value = /
A.4.1.16 Certification Authority Public Key Index
Tag 8F
Data 09
Tag 9F 27
Data 80

Tag 84
Data A0 00 00 00 03 10 10
A.4.1.19 Form Factor Indicator [qVSDC]
Tag 9F 6E
Data 20 70 00 00

messaging
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

payment credentials
bit 1 = 0 RFU
▤ Byte 3: 00 RFU
A.4.1.20 ICC Public Key Certificate
Tag 9F 46
Data 61 D3 E9 00 4E BD 04 0B 40 89 D0 EF C2 02 06 78 1C 60 9D 6F FB AB A3 B8
03 FD 14 17 AA 4D EC AD 10 B5 A4 1D 5F 49 15 FF 89 B3 7C AC 1E 2F 63 A3
29 AE 84 93 90 D8 CA 8A CC BE 05 58 CE 9D 5D AD 09 6C 74 EC DE 88 EA 50
A8 6D E4 03 E3 E4 DE 6D 39 56 77 81 63 8F 03 AB 4E B8 82 D7 98 AD 67 76
1D 02 E1 30 C0 1B A4 BC 1E C9 8F 02 23 99 FB 9F 25 05 8D B0 58 AD 14 15
AF CF 21 94 8A EC 2E 46 A4 BE 70 80 5D 81 3F A3 6E 4F A2 EC 83 01 07 52
67 D0 30 64 A2 08 73 97 66 2D 06 8C BA 9C 58 0B 91 DE 78 41 75 DF 5B 44
85 F0 C8 2A 58 74 C6 68
A.4.1.21 ICC Public Key Exponent
Tag 9F 47
Data 03
A.4.1.22 Issuer Application Data [VCPS 2.2]
Tag 9F 10
Data 06 01 11 03 A0 20 00

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

Tag 9F 11
Data 01
Tag 5F 28
Data 00 51
A.4.1.25 Issuer Public Key Certificate
Tag 90
Data 3F 58 87 17 54 6F 88 E5 05 89 FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33
30 96 07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04 96 65 45 B6 33 D5
91 F4 DD F0 24 40 B7 14 DB 63 CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2
37 79 2A 59 B6 D1 D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2 DB 3A 6D 23 25
69 71 D2 B3 84 44 10 15 0A 02 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3
2B 0C 5D D1 D8 5B F0 7A DF 67 7B E3 58 66 AF 91 87 D6 E6 71 0C 6C 83 E5
C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67 58 7D 2B A1 BD FE 7E BF D8 12 40 69
30 9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E 14 9B 12 59 AE 2E
B7 8D D4 FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66 31 3E 98 EF 14 B9 C3 2D
BE 5C 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39 9D 5B D8 22 16 68
D3 3B 1B 93 7C 1D 6C 29
A.4.1.26 Issuer Public Key Exponent
Tag 9F 32
Data 03
Tag 5F 2D
Data 65 6E 72 75

Tag 9F 38
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Data 9F 66 04 9F 02 06 9F 37 04 5F 2A 02

▤ Tag : 9F 66
▤ Length: 04
▤ Tag : 9F 02
▤ Length: 06
▤ Tag : 9F 37
▤ Length: 04
▤ Tag : 5F 2A
▤ Length: 02
A.4.1.29 Signed Dynamic Application Data
Tag 9F 4B
Data 93 C5 88 C1 D8 98 D0 88 F1 EB 4F BE A6 2D C0 EB 1E 51 5B FC B7 94 E8 D0
B0 BC 70 DE 6E 6E 5B F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43 04
A1 02 79 89 2E E7 B4 32 A3 61 2E 0E 83 4D FF 04 54 34 86 89 DE 57 86 71
89 00 D3 73 C0 18 DA 86 58 18 2C C5 52 4A 01 5F 15 97 EB 87 52 18 A4 B8
A7 6C 47 B3 3F AB 2D 8B 5F 96 1A B7 2F 1A 20 66 19 A0 82 00 7C 6A 16 3B
2C 94 41 96 90 9E 6F F1
A.4.1.30 Static Data Authentication Tag List
Tag 9F 4A
Data 82
▤ SDA Tag(1) = 82 [Application Interchange Profile [VCPS]]

▤ Tag : 82
▤ Name : Application Interchange Profile [VCPS]
Tag 57
Data 48 89 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00 0F
▤ PAN = 4889620014097920

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

71 68 80 00 00 0F
5A Application Primary Account Number (PAN) 48 89 62 00 14 09 79 20
5F 20 Cardholder Name 20 2F
5F 24 Application Expiration Date 25 05 31
82 Application Interchange Profile [VCPS] 20 20
8F Certification Authority Public Key Index 09
90 Issuer Public Key Certificate 3F 58 87 17 54 6F 88 E5 05 89 FE A3 46
19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96
07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04
8D AB 04 96 65 45 B6 33 D5 91 F4 DD F0
24 40 B7 14 DB 63 CF 7E 8D 9B 00 E4 76
BF D3 91 D7 C1 CB E2 37 79 2A 59 B6 D1
D6 53 61 56 3B 4F F6 03 A4 39 E2 7C F2
DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15
0A 02 6D 24 D7 90 B4 63 24 9A 24 A4 46
A4 67 B3 2B 0C 5D D1 D8 5B F0 7A DF 67
7B E3 58 66 AF 91 87 D6 E6 71 0C 6C 83
E5 C6 2E 2F 21 C7 6C 23 F5 98 4A 7B 67
58 7D 2B A1 BD FE 7E BF D8 12 40 69 30
9C A9 09 4C 2D 16 F2 8B 41 86 8A CD F7
3A FF 19 0E 14 9B 12 59 AE 2E B7 8D D4
FF 3F DC 85 2B D5 51 A8 5B 11 73 48 66
31 3E 98 EF 14 B9 C3 2D BE 5C 2D BD 66
DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39
9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C
29
94 Application File Locator (AFL) 18 01 02 01 10 01 04 00
9F 07 Application Usage Control [VCPS] C0 80
9F 10 Issuer Application Data [VCPS 2.2] 06 01 11 03 A0 20 00
9F 26 Application Cryptogram (AC) 87 19 FA 55 D9 91 EF C5
9F 32 Issuer Public Key Exponent 03
(PDOL)
9F 46 ICC Public Key Certificate 61 D3 E9 00 4E BD 04 0B 40 89 D0 EF C2
02 06 78 1C 60 9D 6F FB AB A3 B8 03 FD
14 17 AA 4D EC AD 10 B5 A4 1D 5F 49 15
FF 89 B3 7C AC 1E 2F 63 A3 29 AE 84 93
90 D8 CA 8A CC BE 05 58 CE 9D 5D AD 09
6C 74 EC DE 88 EA 50 A8 6D E4 03 E3 E4
DE 6D 39 56 77 81 63 8F 03 AB 4E B8 82
D7 98 AD 67 76 1D 02 E1 30 C0 1B A4 BC
1E C9 8F 02 23 99 FB 9F 25 05 8D B0 58
AD 14 15 AF CF 21 94 8A EC 2E 46 A4 BE
70 80 5D 81 3F A3 6E 4F A2 EC 83 01 07
52 67 D0 30 64 A2 08 73 97 66 2D 06 8C
BA 9C 58 0B 91 DE 78 41 75 DF 5B 44 85
F0 C8 2A 58 74 C6 68
9F 47 ICC Public Key Exponent 03
9F 4A Static Data Authentication Tag List 82
9F 4B Signed Dynamic Application Data 93 C5 88 C1 D8 98 D0 88 F1 EB 4F BE A6
2D C0 EB 1E 51 5B FC B7 94 E8 D0 B0 BC
70 DE 6E 6E 5B F5 E3 07 B4 5E 93 96 0C
4A 05 B7 98 31 A9 00 43 04 A1 02 79 89
2E E7 B4 32 A3 61 2E 0E 83 4D FF 04 54
34 86 89 DE 57 86 71 89 00 D3 73 C0 18
DA 86 58 18 2C C5 52 4A 01 5F 15 97 EB
87 52 18 A4 B8 A7 6C 47 B3 3F AB 2D 8B
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

5F 96 1A B7 2F 1A 20 66 19 A0 82 00 7C
6A 16 3B 2C 94 41 96 90 9E 6F F1
9F 69 Card Authentication Related Data [qVSDC] 01 70 51 16 06 28 00
9F 6C Card Transaction Qualifiers [qVSDC VCPS 28 00
2.2]
9F 6E Form Factor Indicator [qVSDC] 20 70 00 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Annex B: Transaction Flow View

This chapter presents the actual communication between the EMV-card and card reader that took place to retrieve
the data on the card. It consists of a subsection with generic smart card communication (ATR, PSE etc.) and one
subsection for each EMV application present on the smart card. Results are presented in terms of command
/response APDUs.
Note: This chapter does not contain test results.
B.1 Magnetic Stripe information

▤ Track 1: empty or not present
B.2 EMV generic smartcard information

▤ Answer To Reset (ATR)
▤ Cold ATR 3B 68 00 00 99 02 00 D1 03 04 22 01
▤ Initial Character TS : 3B
▤ Format Character T0 : 68
▤ Number of historical bytes: 8
▤ TB1 present
▤ TC1 present
▤ Protocol T=0
▤ Interface Characters : 00 00
▤ TB1: 00
▤ TC1: 00
▤ Historical Characters: 99 02 00 D1 03 04 22 01
▤ Warm ATR 3B 68 00 00 99 02 00 D1 03 04 22 01
▤ Initial Character TS : 3B
▤ Format Character T0 : 68
▤ Number of historical bytes: 8
▤ TB1 present
▤ TC1 present
▤ Protocol T=0
▤ Interface Characters : 00 00
▤ TB1: 00
▤ TC1: 00
▤ Historical Characters: 99 02 00 D1 03 04 22 01
▤ Answer To Select (ATS)
▤ ATS 0D 78 00 70 03 99 02 00 D1 03 04 22 01
▤ Payment System Environment (PSE)
▤ PSE is not present on this smartcard
▤ Proximity Payment System Environment (PPSE)
▤ 2PAY.SYS.DDF01 Header: 6F 29 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46
30 31 A5 17 BF 0C 14 61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
◯ Comparing EMVStructure
⃖ Evaluated: 6F 29 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 17 BF 0C 14
61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01
▤ '6F 29 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 17 BF 0C 14 61 12 4F
07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01'h structure
▤ Tag '6F'h
▤ Length '29'h
▤ Value '84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 17 BF 0C 14 61 12 4F
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Value '84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 17 BF 0C 14 61 12 4F
07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01'h structure
▤ '84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31'h structure
▤ Tag '84'h
▤ Length '0E'h
▤ Value '32 50 41 59 2E 53 59 53 2E 44 44 46 30 31'h
▤ 'A5 17 BF 0C 14 61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01'h
structure
▤ Tag 'A5'h
▤ Length '17'h
▤ Value 'BF 0C 14 61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01
01'h structure
▤ 'BF 0C 14 61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01'h
structure
▤ Tag 'BF 0C'h
▤ Length '14'h
▤ Value '61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01'h
structure
▤ '61 12 4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01'h structure
▤ Tag '61'h
▤ Length '12'h
▤ Value '4F 07 A0 00 00 00 03 10 10 50 04 56 69 73 61 87 01 01'h structure
▤ '4F 07 A0 00 00 00 03 10 10'h structure
▤ Tag '4F'h
▤ Length '07'h
▤ Value 'A0 00 00 00 03 10 10'h
▤ '50 04 56 69 73 61'h structure
▤ Tag '50'h
▤ Length '04'h
▤ Value '56 69 73 61'h
▤ '87 01 01'h structure
▤ Tag '87'h
▤ Length '01'h
▤ Value '01'h
⇦ Expected: ..
B.3 Application: Visa, 'A0 00 00 00 03 10 10' (EMV transaction 1st GAC

ARQC, contact interface)
▤ PDOL Information
EMV transaction 1st GAC ARQC
06 43
• Application Selection (SELECT command retrieves FCI data)
⃗
messaging
▤ Ins: A4 Select
▤ Lc: 07
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 6F 37 84 07 A0 00 00 00 03 10 10 A5 2C 50 04 56
▤ 69 73 61 87 01 01 9F 38 03 9F 1A 02 5F 2D 04 65
▤ 6E 72 75 9F 12 04 56 69 73 61 9F 11 01 01 BF 0C
▤ 08 9F 5A 05 60 00 51 00 51
▤ SW: 90 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ SW: 90 00
• Initiate Application Processing (GET PROCESSING OPTIONS command)
⃗
messaging
▤ P1: 00
▤ P2: 00
▤ Lc: 04
▤
▤ Tag: 83 (Command Template)
▤ Length: 02
▤ Value: 06 43
▤ Le: 00
⃖ Response
▤ Data: 80 0E 3C 00 08 02 02 00 10 01 02 00 28 01 03 01
▤ SW: 90 00
• Read Application Data (READ RECORD commands retrieve application data)
• Records read according to AFL, using the command READ RECORD:

⃗
messaging
▤ P1: 02 Record 2
▤ P2: 0C SFI 1
▤ Lc:
▤
▤ Le: 00
▤ SFI = 1 (decimal)
▤ Record number = 02
⃖ Response
▤ Data:
▤ 70 4D 57 13 48 89 62 00 14 09 79 20 D2 50 52 21
▤ 17 71 68 80 00 00 0F 5F 20 1A 41 52 54 55 52 2F
▤ 47 48 41 5A 41 52 59 41 4E 20 20 20 20 20 20 20
▤ 20 20 20 20 9F 1F 18 31 37 37 31 36 30 30 30 30
▤ 30 30 30 30 30 30 38 38 30 30 30 30 30 30 30
▤ SW: 90 00
⃗
messaging
▤ P1: 01 Record 1
▤ P2: 14 SFI 2
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 70 81 FB 90 81 F8 3F 58 87 17 54 6F 88 E5 05 89
▤ FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96
▤ 07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04
▤ 96 65 45 B6 33 D5 91 F4 DD F0 24 40 B7 14 DB 63
▤ CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2 37 79
▤ 2A 59 B6 D1 D6 53 61 56 3B 4F F6 03 A4 39 E2 7C
▤ F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A 02
▤ 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3 2B 0C
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A 02
▤ 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3 2B 0C
▤ 5D D1 D8 5B F0 7A DF 67 7B E3 58 66 AF 91 87 D6
▤ E6 71 0C 6C 83 E5 C6 2E 2F 21 C7 6C 23 F5 98 4A
▤ 7B 67 58 7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C
▤ A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E
▤ 14 9B 12 59 AE 2E B7 8D D4 FF 3F DC 85 2B D5 51
▤ A8 5B 11 73 48 66 31 3E 98 EF 14 B9 C3 2D BE 5C
▤ 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39
▤ 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
▤ SW: 90 00
⃗
messaging
▤ P1: 02 Record 2
▤ P2: 14 SFI 2
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 70 07 8F 01 09 9F 32 01 03
▤ SW: 90 00
⃗
messaging
▤ P1: 01 Record 1
▤ P2: 2C SFI 5
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 70 56 5F 25 03 21 05 01 5F 24 03 25 05 31 5A 08
▤ 48 89 62 00 14 09 79 20 5F 34 01 01 9F 07 02 FF
▤ 80 9F 0D 05 B8 60 AC 88 00 9F 0E 05 00 10 00 00
▤ 00 9F 0F 05 B8 68 BC 98 00 8E 14 00 00 00 00 00
▤ 00 00 00 02 05 44 03 41 03 42 03 1E 03 1F 02 5F
▤ 28 02 00 51 9F 4A 01 82
▤ SW: 90 00
⃗
messaging
▤ P1: 02 Record 2
▤ P2: 2C SFI 5
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 70 48 5F 30 02 02 21 9F 08 02 00 A0 8C 15 9F 02
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Data:
▤ 70 48 5F 30 02 02 21 9F 08 02 00 A0 8C 15 9F 02
▤ 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01
▤ 9F 37 04 8D 17 8A 02 9F 02 06 9F 03 06 9F 1A 02
▤ 95 05 5F 2A 02 9A 03 9C 01 9F 37 04 9F 44 01 02
▤ 9F 47 01 03 9F 49 03 9F 37 04
▤ SW: 90 00
⃗
messaging
▤ P1: 03 Record 3
▤ P2: 2C SFI 5
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 70 81 B4 9F 46 81 B0 54 19 A5 B1 84 FE BA BE 00
▤ 7D FF 1D BA 4A 61 F3 C6 7A 79 17 0A 32 C1 FA 99
▤ C9 E4 7A 69 E5 86 24 79 8B F6 8E F0 5E 87 7F 80
▤ DA 2F 0B 79 EF 1C 01 BA 56 7D B6 2A 37 69 0C 9C
▤ 42 08 A8 3C DB CF 46 48 B0 9C 6A B6 84 E8 F1 19
▤ CC 02 DA E6 55 E1 10 15 3B B3 D6 6D 10 E0 75 DE
▤ 6E 54 E9 1E E2 09 89 46 FB FD A1 69 1D 7F B2 DB
▤ B6 70 5B C7 1A 71 92 B0 C9 F2 8B 36 C6 BF 2C 7D
▤ 65 8A 43 D5 EA 82 57 0F FA 3B E5 9C 47 A7 36 7B
▤ 51 43 0E 0D 73 A1 54 B2 14 74 FD F2 52 57 F9 09
▤ 33 30 03 B1 1D 76 84 D8 7A 99 C6 B4 C7 B0 C4 B8
▤ 94 2D 8D DF F7 16 4C
▤ SW: 90 00
• Offline Data Authentication (Card supports DDA, INTERNAL AUTHENTICATE

retrieves SDAD)
⃗
messaging
▤ Ins: 88 Internal Authenticate
▤ P1: 00
▤ P2: 00
▤ Lc: 04
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 80 81 80 49 7E CF BA 58 A3 EF 3B 0B 59 E5 BF 82
▤ D3 65 93 67 40 D2 37 6C 74 1D FC 22 D0 3B 29 98
▤ E5 48 12 CE 13 F8 02 40 40 97 13 06 DF DD D0 6B
▤ AF 33 8F F7 BA 47 F8 DE 27 14 62 60 9E 41 DC BE
▤ 16 6A 68 23 07 C1 A9 57 03 68 13 99 80 B2 39 6B
▤ 0F A8 DC 47 F6 40 51 24 A4 F4 B9 A4 3A 08 CD 93
▤ A0 1C AD 24 73 21 DD 85 B8 ED BD 0C 2B 57 0D 7B
▤ CF 27 74 E2 33 0E C5 03 CC 5F 81 01 12 58 AB 55
▤ 77 9C FE
▤ SW: 90 00
• Card Action Analysis (GENERATE AC command retrieves transaction
related data)
⃗
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
⃗
messaging
▤ Ins: AE Generate Application Cryptogram
▤ P1: 80 ARQC
▤ P2: 00
▤ Lc: 1D
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 80 12 80 00 06 27 3A 90 BF EB 41 5F 62 06 01 0A
▤ 03 A0 A0 02
▤ SW: 90 00
External Authentication (Not needed to retrieve card data)
• Completion (SECOND GENERATE AC command retrieves
transaction related data)
⃗
messaging
▤ Ins: AE Generate Application Cryptogram
▤ P1: 00 AAC
▤ P2: 00
▤ Lc: 1F
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 80 12 00 00 06 1E 7F 30 0C 05 8E EE 21 06 01 0A
▤ 03 21 A0 02
▤ SW: 90 00
• Get Application Data (GET DATA commands retrieve application data)
• Card data read using the command GET DATA:

⃗
messaging
▤ Ins: CA Get Data 9F 17
▤ P1: 9F Byte 1 of Tag '9F 17'
▤ P2: 17 Byte 2 of Tag '9F 17'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 17 01 03
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data BF 55
▤ P1: BF Byte 1 of Tag 'BF 55'
▤ P2: 55 Byte 2 of Tag 'BF 55'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ BF 55 27 DF 11 01 00 DF 21 01 00 DF 31 01 03 DF
▤ 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00
▤ 00 DF 71 06 00 00 00 00 00 00
▤ SW: 90 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ SW: 90 00
⃗
messaging
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: BF 56 0C DF 11 01 02 DF 21 01 00 DF 31 01 03
▤ SW: 90 00
⃗
messaging
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ BF 57 10 DF 11 01 02 DF 21 01 01 DF 31 01 03 DF
▤ 51 01 02
▤ SW: 90 00
⃗
messaging
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ BF 58 1B DF 11 06 00 00 00 00 00 00 DF 21 06 00
▤ 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data BF 5B
▤ P1: BF Byte 1 of Tag 'BF 5B'
▤ P2: 5B Byte 2 of Tag 'BF 5B'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: BF 5B 05 DF 01 02 00 00
▤ SW: 90 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
messaging
▤ P2: 13 Byte 2 of Tag '9F 13'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 13 02 00 02
▤ SW: 90 00
⃗
messaging
▤ P2: 36 Byte 2 of Tag '9F 36'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 36 02 00 06
▤ SW: 90 00
⃗
messaging
▤ P2: 51 Byte 2 of Tag '9F 51'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 51 02 00 51
▤ SW: 90 00
⃗
messaging
▤ P2: 52 Byte 2 of Tag '9F 52'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 52 06 82 38 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 53 Byte 2 of Tag '9F 53'
▤ Lc:
▤
▤ Le: 00
⃖ Response
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Le: 00
⃖ Response
▤ Data: 9F 53 01 01
▤ SW: 90 00
⃗
messaging
▤ P2: 54 Byte 2 of Tag '9F 54'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 54 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 56 Byte 2 of Tag '9F 56'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 56 01 80
▤ SW: 90 00
⃗
messaging
▤ P2: 57 Byte 2 of Tag '9F 57'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 57 02 00 51
▤ SW: 90 00
⃗
messaging
▤ P2: 58 Byte 2 of Tag '9F 58'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 58 01 00
▤ SW: 90 00
⃗
messaging
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ P2: 59 Byte 2 of Tag '9F 59'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 59 01 03
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data 9F 5C
▤ P1: 9F Byte 1 of Tag '9F 5C'
▤ P2: 5C Byte 2 of Tag '9F 5C'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 5C 06 00 00 02 00 00 00
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data 9F 5E
▤ P1: 9F Byte 1 of Tag '9F 5E'
▤ P2: 5E Byte 2 of Tag '9F 5E'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 5E 01 03
▤ SW: 90 00
⃗
messaging
▤ P2: 68 Byte 2 of Tag '9F 68'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 68 04 4C 00 F0 00
▤ SW: 90 00
⃗
messaging
▤ P2: 77 Byte 2 of Tag '9F 77'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 77 06 00 00 00 00 00 00
▤ SW: 90 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ SW: 90 00
⃗
messaging
▤ P2: 78 Byte 2 of Tag '9F 78'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 78 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 79 Byte 2 of Tag '9F 79'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 79 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data 9F 7D
▤ P1: 9F Byte 1 of Tag '9F 7D'
▤ P2: 7D Byte 2 of Tag '9F 7D'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 9F 7D 0E 31 36 30 34 32 38 20 56 53 44 43 20 32
▤ 39
▤ SW: 90 00
B.4 Application: Visa, 'A0 00 00 00 03 10 10' (Contactless transaction

with Select Application and Get Data commands, contactless
interface)
⃗
messaging
▤ Ins: A4 Select
▤ Lc: 07
▤
▤ Le: 00
⃖ Response
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
⃖ Response
▤ Data:
▤ 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56
▤ 69 73 61 87 01 01 9F 38 0C 9F 66 04 9F 02 06 9F
▤ 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56
▤ 69 73 61 9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51
▤ 00 51
▤ SW: 90 00
Completion (Not needed to retrieve card data)
• Get Application Data (GET DATA commands retrieve application data)
• Card data read using the command GET DATA:

⃗
messaging
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ BF 55 27 DF 11 01 00 DF 21 01 00 DF 31 01 03 DF
▤ 41 06 00 00 00 00 00 00 DF 51 06 00 00 00 00 00
▤ 00 DF 71 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: BF 56 0C DF 11 01 01 DF 21 01 00 DF 31 01 03
▤ SW: 90 00
⃗
messaging
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ BF 57 10 DF 11 01 01 DF 21 01 01 DF 31 01 03 DF
▤ 51 01 01
▤ SW: 90 00
⃗
messaging
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ BF 58 1B DF 11 06 00 00 00 00 00 00 DF 21 06 00
▤ 00 00 00 00 00 DF 31 06 00 00 02 00 00 00
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data BF 5B
▤ P1: BF Byte 1 of Tag 'BF 5B'
▤ P2: 5B Byte 2 of Tag 'BF 5B'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: BF 5B 05 DF 01 02 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 17 Byte 2 of Tag '9F 17'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 17 01 03
▤ SW: 90 00
⃗
messaging
▤ P2: 36 Byte 2 of Tag '9F 36'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 36 02 00 03
▤ SW: 90 00
⃗
messaging
▤ P2: 51 Byte 2 of Tag '9F 51'
▤ Lc:
▤
▤ Le: 00
⃖ Response
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ Le: 00
⃖ Response
▤ Data: 9F 51 02 00 51
▤ SW: 90 00
⃗
messaging
▤ P2: 52 Byte 2 of Tag '9F 52'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 52 06 82 38 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 53 Byte 2 of Tag '9F 53'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 53 01 01
▤ SW: 90 00
⃗
messaging
▤ P2: 54 Byte 2 of Tag '9F 54'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 54 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 57 Byte 2 of Tag '9F 57'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 57 02 00 51
▤ SW: 90 00
⃗
messaging
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330

▤ P2: 58 Byte 2 of Tag '9F 58'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 58 01 00
▤ SW: 90 00
⃗
messaging
▤ P2: 59 Byte 2 of Tag '9F 59'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 59 01 03
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data 9F 5C
▤ P1: 9F Byte 1 of Tag '9F 5C'
▤ P2: 5C Byte 2 of Tag '9F 5C'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 5C 06 00 00 02 00 00 00
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data 9F 5E
▤ P1: 9F Byte 1 of Tag '9F 5E'
▤ P2: 5E Byte 2 of Tag '9F 5E'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 5E 01 03
▤ SW: 90 00
⃗
messaging
▤ P2: 68 Byte 2 of Tag '9F 68'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 68 04 4C 00 F0 00
▤ SW: 90 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ SW: 90 00
⃗
messaging
▤ P2: 77 Byte 2 of Tag '9F 77'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 77 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 78 Byte 2 of Tag '9F 78'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 78 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ P2: 79 Byte 2 of Tag '9F 79'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 9F 79 06 00 00 00 00 00 00
▤ SW: 90 00
⃗
messaging
▤ Ins: CA Get Data 9F 7D
▤ P1: 9F Byte 1 of Tag '9F 7D'
▤ P2: 7D Byte 2 of Tag '9F 7D'
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 9F 7D 0E 31 36 30 34 32 38 20 56 53 44 43 20 32
▤ 39
▤ SW: 90 00
B.5 Application: Visa, 'A0 00 00 00 03 10 10' (qVSDC online

transaction, contactless interface)
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
qVSDC online transaction
26 80 00 00 00 00 00 00 00 02 01 02 03 04 06 43
⃗
messaging
▤ Ins: A4 Select
▤ Lc: 07
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56
▤ 69 73 61 87 01 01 9F 38 0C 9F 66 04 9F 02 06 9F
▤ 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56
▤ 69 73 61 9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51
▤ 00 51
▤ SW: 90 00
⃗
messaging
▤ P1: 00
▤ P2: 00
▤ Lc: 12
▤
▤ Length: 10
▤ Value: 26 80 00 00 00 00 00 00 00 02 01 02 03 04 06 43
▤ Le: 00
⃖ Response
▤ Data:
▤ 77 52 82 02 00 20 94 04 18 02 02 00 57 13 48 89
▤ 62 00 14 09 79 20 D2 50 52 21 17 71 68 80 00 00
▤ 0F 5F 20 02 20 2F 5F 34 01 01 9F 10 07 06 01 11
▤ 03 A0 20 00 9F 26 08 7C 85 59 34 77 31 03 54 9F
▤ 27 01 80 9F 36 02 00 04 9F 6C 02 28 00 9F 6E 04
▤ 20 70 00 00
▤ SW: 90 00

⃗
messaging
▤ P1: 02 Record 2
▤ P2: 1C SFI 3
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 70 0A 9F 07 02 C0 80 5F 28 02 00 51
▤ SW: 90 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ SW: 90 00

B.6 Application: Visa, 'A0 00 00 00 03 10 10' (qVSDC online transaction

with ODA, contactless interface)
qVSDC online transaction with ODA
27 80 00 00 00 00 00 00 00 00 01 02 03 04 06 43
⃗
messaging
▤ Ins: A4 Select
▤ Lc: 07
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 6F 40 84 07 A0 00 00 00 03 10 10 A5 35 50 04 56
▤ 69 73 61 87 01 01 9F 38 0C 9F 66 04 9F 02 06 9F
▤ 37 04 5F 2A 02 5F 2D 04 65 6E 72 75 9F 12 04 56
▤ 69 73 61 9F 11 01 01 BF 0C 08 9F 5A 05 60 00 51
▤ 00 51
▤ SW: 90 00
⃗
messaging
▤ P1: 00
▤ P2: 00
▤ Lc: 12
▤
▤ Length: 10
▤ Value: 27 80 00 00 00 00 00 00 00 00 01 02 03 04 06 43
▤ Le: 00
⃖ Response
▤ Data:
▤ 77 81 DA 82 02 20 20 94 08 18 01 02 01 10 01 04
▤ 00 57 13 48 89 62 00 14 09 79 20 D2 50 52 21 17
▤ 71 68 80 00 00 0F 5F 20 02 20 2F 5F 34 01 01 9F
▤ 10 07 06 01 11 03 A0 20 00 9F 26 08 87 19 FA 55
▤ D9 91 EF C5 9F 27 01 80 9F 36 02 00 05 9F 4B 81
▤ 80 93 C5 88 C1 D8 98 D0 88 F1 EB 4F BE A6 2D C0
▤ EB 1E 51 5B FC B7 94 E8 D0 B0 BC 70 DE 6E 6E 5B
▤ F5 E3 07 B4 5E 93 96 0C 4A 05 B7 98 31 A9 00 43
▤ 04 A1 02 79 89 2E E7 B4 32 A3 61 2E 0E 83 4D FF
▤ 04 54 34 86 89 DE 57 86 71 89 00 D3 73 C0 18 DA
▤ 86 58 18 2C C5 52 4A 01 5F 15 97 EB 87 52 18 A4
▤ B8 A7 6C 47 B3 3F AB 2D 8B 5F 96 1A B7 2F 1A 20
▤ 66 19 A0 82 00 7C 6A 16 3B 2C 94 41 96 90 9E 6F
▤ F1 9F 6C 02 28 00 9F 6E 04 20 70 00 00
▤ SW: 90 00
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ F1 9F 6C 02 28 00 9F 6E 04 20 70 00 00
▤ SW: 90 00

⃗
messaging
▤ P1: 01 Record 1
▤ P2: 1C SFI 3
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 70 10 5A 08 48 89 62 00 14 09 79 20 5F 24 03 25
▤ 05 31
▤ SW: 90 00
⃗
messaging
▤ P1: 02 Record 2
▤ P2: 1C SFI 3
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 70 0A 9F 07 02 C0 80 5F 28 02 00 51
▤ SW: 90 00
⃗
messaging
▤ P1: 01 Record 1
▤ P2: 14 SFI 2
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 70 81 FB 90 81 F8 3F 58 87 17 54 6F 88 E5 05 89
▤ FE A3 46 19 C9 12 41 E3 4A 8F EC 8F AC 33 30 96
▤ 07 86 CF C2 9E B8 08 E5 4A 52 8C B5 04 8D AB 04
▤ 96 65 45 B6 33 D5 91 F4 DD F0 24 40 B7 14 DB 63
▤ CF 7E 8D 9B 00 E4 76 BF D3 91 D7 C1 CB E2 37 79
▤ 2A 59 B6 D1 D6 53 61 56 3B 4F F6 03 A4 39 E2 7C
▤ F2 DB 3A 6D 23 25 69 71 D2 B3 84 44 10 15 0A 02
▤ 6D 24 D7 90 B4 63 24 9A 24 A4 46 A4 67 B3 2B 0C
▤ 5D D1 D8 5B F0 7A DF 67 7B E3 58 66 AF 91 87 D6
▤ E6 71 0C 6C 83 E5 C6 2E 2F 21 C7 6C 23 F5 98 4A
▤ 7B 67 58 7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C
▤ A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
▤ 7B 67 58 7D 2B A1 BD FE 7E BF D8 12 40 69 30 9C
▤ A9 09 4C 2D 16 F2 8B 41 86 8A CD F7 3A FF 19 0E
▤ 14 9B 12 59 AE 2E B7 8D D4 FF 3F DC 85 2B D5 51
▤ A8 5B 11 73 48 66 31 3E 98 EF 14 B9 C3 2D BE 5C
▤ 2D BD 66 DC 07 EC 4E 41 53 21 0A 74 7F 56 81 39
▤ 9D 5B D8 22 16 68 D3 3B 1B 93 7C 1D 6C 29
▤ SW: 90 00
⃗
messaging
▤ P1: 02 Record 2
▤ P2: 14 SFI 2
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data: 70 07 8F 01 09 9F 32 01 03
▤ SW: 90 00
⃗
messaging
▤ P1: 03 Record 3
▤ P2: 14 SFI 2
▤ Lc:
▤
▤ Le: 00
⃖ Response
▤ Data:
▤ 70 81 B4 9F 46 81 B0 61 D3 E9 00 4E BD 04 0B 40
▤ 89 D0 EF C2 02 06 78 1C 60 9D 6F FB AB A3 B8 03
▤ FD 14 17 AA 4D EC AD 10 B5 A4 1D 5F 49 15 FF 89
▤ B3 7C AC 1E 2F 63 A3 29 AE 84 93 90 D8 CA 8A CC
▤ BE 05 58 CE 9D 5D AD 09 6C 74 EC DE 88 EA 50 A8
▤ 6D E4 03 E3 E4 DE 6D 39 56 77 81 63 8F 03 AB 4E
▤ B8 82 D7 98 AD 67 76 1D 02 E1 30 C0 1B A4 BC 1E
▤ C9 8F 02 23 99 FB 9F 25 05 8D B0 58 AD 14 15 AF
▤ CF 21 94 8A EC 2E 46 A4 BE 70 80 5D 81 3F A3 6E
▤ 4F A2 EC 83 01 07 52 67 D0 30 64 A2 08 73 97 66
▤ 2D 06 8C BA 9C 58 0B 91 DE 78 41 75 DF 5B 44 85
▤ F0 C8 2A 58 74 C6 68
▤ SW: 90 00
⃗
messaging
▤ P1: 04 Record 4
▤ P2: 14 SFI 2
▤ Lc:
▤
▤ Le: 00
⃖ Response
PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
⃖ Response
▤ Data:
▤ 70 12 9F 47 01 03 9F 4A 01 82 9F 69 07 01 70 51
▤ 16 06 28 00
▤ SW: 90 00

PAN: 4889 6200 1409 7920

UL EMV PVT 5.6.0.20210330
Annex C: References
Interpretation and testing is done according to:
C.1 General documents

[1] EMV 4.3 Integrated Circuit Card Specifications for Payment Systems - Book 1 - Application Independent ICC
to Terminal Interface Requirements, version 4.3, November 2011, EMVCo
[2] EMV 4.3 Integrated Circuit Card Specifications for Payment Systems - Book 2 - Security and Key
Management, version 4.3, November 2011, EMVCo
[3] EMV 4.3 Integrated Circuit Card Specifications for Payment Systems - Book 3 - Application Specification,
version 4.3, November 2011, EMVCo
[4] EMV 4.3 Integrated Circuit Card Specifications for Payment Systems - Book 4 - Cardholder, Attendant, and
Acquirer Interface Requirements, version 4.3, November 2011, EMVCo
[5] Specification Update Bulletins, EMVCo, www.emvco.com
C.2 Visa documents

[V1] Visa Global Personalization Requirements, version 3.0, August 2015.
[V2] Visa Global Personalization Requirements 3.0. Additions and Clarifications. Document Version 4.2, March
2020.
[V3] Visa Global Personalization Requirements 3.0. Bulletin no 2, 28 October 2020.
[V4] Visa Integrated Circuit Card Specification (VIS), version 1.4.1, June 2008.
[V5] Visa Integrated Circuit Card Specification (VIS), version 1.5, May 2009.
[V6] Visa Integrated Circuit Card Specification (VIS), version 1.5, Updates List version 5, January 2016.
[V7] Visa Integrated Circuit Card Specification (VIS), Version 1.6, January 2016.
[V8] Visa Integrated Circuit Card Specification (VIS) 1.6 Updates List 3, August 2019.
[V9] Visa Contactless Payment Specification (VCPS), version 2.1, May 2009.
[V10] Visa Contactless Payment Specification (VCPS), version 2.1 Updates List version 3, March 2014.
[V11] Visa Contactless Payment Specification (VCPS), version 2.2, January 2016.
[V12] Visa Contactless Payment Specification (VCPS), version 2.2 Updates List version 4, August 2019.
[V13] Visa Mobile Contactless Payment Specification 1.4, March 2011.
[V14] Visa Mobile Contactless Payment Specification (VMCPS) 1.4, Updates List 2, November 2012.
[V15] Visa Europe Addendum to GPR 3.0, version 1.1, November 2016.
[V16] Visa U.S. Personalization Validation Requirements, version 2.1, July 2017.
[V17] Visa Smart Debit/Credit Personalization Requirements for U.S. Implementations, version 6.1.1, September
2017.
PAN: 4889 6200 1409 7920


Validate Card Visa

Uploaded by

Document Information

Original Description:

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Validate Card Visa

Uploaded by

Copyright:

Available Formats

Personalization Validation Report

UL EMV PVT 5.6.0.20210330

Test name Visa Global

PAN 4889 6200 1409 7920

PAN: 4889 6200 1409 7920

PAN 4889 6200 1409 7920

The format in which data is presented is hexadecimal, unless otherwise stated.

PAN: 4889 6200 1409 7920

Number of tests performed 721

2.1 ICS Settings

2.1.1 Card level ICS

2.1.2 Application: Visa, 'A0 00 00 00 03 10 10'

• Transaction Path: qVSDC Offline supported: No

• CVM amount check supported: No

PAN: 4889 6200 1409 7920

• Transaction Logging is supported on the contact interface: No

• Lower Consecutive Offline Limit Check supported: No

2.2.1 Template Check

2.2.2 Issuer Keys Validation

PAN: 4889 6200 1409 7920

2.2.4 AID: 'A0 00 00 00 03 10 10' Tests on Contactless transaction with Select

2.2.6 AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction

2.3.1 Template Check

2.3.2 Issuer Keys Validation

2.3.4 AID: 'A0 00 00 00 03 10 10' Tests on Contactless transaction with Select

PAN: 4889 6200 1409 7920

2.3.6 AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction

2.4.1 Template Check

2.4.2 Issuer Keys Validation

2.4.4 AID: 'A0 00 00 00 03 10 10' Tests on Contactless transaction with Select

2.4.6 AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

Issuer Keys Validation

Test Verdict Paragraph

AID: 'A0 00 00 00 03 10 10' Tests on EMV transaction 1st GAC ARQC

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

AID: 'A0 00 00 00 03 10 10' Tests on qVSDC online transaction with ODA

Test Verdict Paragraph

PAN: 4889 6200 1409 7920

Test Verdict Paragraph

PAN: 4889 6200 1409 7920