EMV Terminal Parameters

The card brands dictate the values to be used in some fields in the terminal/POS. The values listed below are production settings provided by the brands. Values for test/certification may be different. The Certification Analyst will help to determine any differences that may be required for certification testing.

American Express

EMV Tag Description Credit
9F35 Terminal Type Kernel Config
9F33 Terminal Capabilities Kernel Config
9F40 Additional Terminal Capabilities Kernel Config
9F15 Merchant Category Code Assigned by Elavon
9F06 Application Identifier A00000002501
  Default Application Label American Express Credit
9F1A Terminal Country Code 840
5F2A Transaction Currency Code 840
5F36 Transaction Currency Exponent 2
  Default DDOL 9F3704
97 Default TDOL N/A
  TAC - Default DC 50 FC 98 00
  TAC - Denial 00 10 00 00 00
  TAC - Online DE 00 FC 98 00
9F1B Terminal Floor Limit 0.00
  EMV Random Selection Threshold 0.00
  EMV Random Selection Maximum % 99
  EMV Random Selection Target % 99
  Partial Name Selection Flag Y
  Allow Fallback Flag Y
  Allow PIN Bypass Y
  Acquirer ID 0
9F09 Application Version Number (Primary) 0x0001
9F09 Application Version Number (Secondary) N/A
  Contactless  
  TAC - Default DC 50 FC 98 00
  TAC - Denial 00 10 00 00 00
  TAC - Online DE 00 FC 98 00
  Contactless Floor Limit 0.00
  Contactless CVM Limit 10.00
  Enable ExpressPay MSD Y
  Enable ExpressPay EMV Y

Discover

Discover ZIP follows the same configuration values as DPAS contactless with the exception of the AID value (A0000003241010) is not shown in the table below.

EMV Tag Description Credit Common Debit
9F35 Terminal Type Kernel Config Kernel Config
9F33 Terminal Capabilities Kernel Config Kernel Config
9F40 Additional Terminal Capabilities Kernel Config Kernel Config
9F15 Merchant Category Code Assigned by Elavon Assigned by Elavon
9F06 Application Identifier A0000001523010 A0000001524010
  Default Application Label Discover US Common Debit
9F1A Terminal Country Code 840 840
5F2A Transaction Currency Code 840 840
5F36 Transaction Currency Exponent 2 2
  Default DDOL 9F3704 9F3704
97 Default TDOL N/A N/A
  TAC - Default DC 00 00 20 00 DC 00 00 20 00
  TAC - Denial 00 10 00 00 00 00 10 00 00 00
  TAC - Online FC E0 9C F8 00 FC E0 9C F8 00
9F1B Terminal Floor Limit 0.00 0.00
  EMV Random Selection Threshold 0.00 0.00
  EMV Random Selection Maximum % 99 99
  EMV Random Selection Target % 99 99
  Partial Name Selection Flag Y Y
  Allow Fallback Flag Y Y
  Allow PIN Bypass Y Y
  Acquirer ID 610046 610046
9F09 Application Version Number (Primary) 0x0001 0x0001
9F09 Application Version Number (Secondary) 0x0001 0x0001
  Contactless  
  TAC - Default Kernel Kernel
  TAC - Denial Kernel Kernel
  TAC - Online Kernel Kernel
  Contactless Floor Limit 0.00 0.00
  Contactless CVM Limit 50.00 50.00

DNA (Debit Network Alliance)

The DNA application is governed by the Debit Network Alliance however they only supply guidelines for specific parameters. Any debit network that wishes to utilize this application for debit cards issued by their members will personalize on their chip cards.

To date there has not been any published document from a network identifying the exact parameters to be used, so some items are assumed TBD and noted as such in the table below.

EMV Tag Description Common Debit
9F35 Terminal Type Kernel Config
9F33 Terminal Capabilities Kernel Config
9F40 Additional Terminal Capabilities Kernel Config
9F15 Merchant Category Code Assigned by Elavon
9F06 Application Identifier A0000006200620
  Default Application Label DNA Shared (assumed)
9F1A Terminal Country Code 840
5F2A Transaction Currency Code 840
5F36 Transaction Currency Exponent 2
  Default DDOL 9F3704
97 Default TDOL N/A
  TAC - Default FC 50 AC A0 00
  TAC - Denial 00 00 00 00 00
  TAC - Online FC 50 BC F8 00
9F1B Terminal Floor Limit 0.00
  EMV Random Selection Threshold 0.00
  EMV Random Selection Maximum % 99
  EMV Random Selection Target % 99
  Partial Name Selection Flag Y
  Allow Fallback Flag Y
  Allow PIN Bypass Y
  Acquirer ID TBD
9F09 Application Version Number (Primary) 0x0001 (assumed)
9F09 Application Version Number (Secondary) 0x0001 (assumed)

JCB

EMV Tag Description Credit – U.S. Credit - Canada
9F35 Terminal Type Kernel Config Kernel Config
9F33 Terminal Capabilities Kernel Config Kernel Config
9F40 Additional Terminal Capabilities Kernel Config Kernel Config
9F15 Merchant Category Code Assigned by Elavon Assigned by Elavon
9F06 Application Identifier A0000000651010 A0000000651010
  Default Application Label JCB JCB
9F1A Terminal Country Code 840 124
5F2A Transaction Currency Code 840 124
5F36 Transaction Currency Exponent 2 2
  Default DDOL 9F3704 9F3704
97 Default TDOL N/A N/A
  TAC – Default FC 60 24 A8 00 FC 60 24 A8 00
  TAC - Denial 00 10 00 00 00 00 10 00 00 00
  TAC - Online FC 60 AC F8 00 FC 60 AC F8 00
9F1B Terminal Floor Limit 0.00 0.00
  EMV Random Selection Threshold 0.00 0.00
  EMV Random Selection Maximum % 99 99
  EMV Random Selection Target % 99 99
  Partial Name Selection Flag Y Y
  Allow Fallback Flag Y Y
  Allow PIN Bypass Y Y
  Acquirer ID 610046 94005
9F09 Application Version Number (Primary) 0x0200 0x0200
9F09 Application Version Number (Secondary) N/A N/A

MasterCard

EMV Tag Description MasterCard Credit and Debit MasterCard International Maestro US Maestro
9F35 Terminal Type Kernel Config Kernel Config Kernel Config
9F33 Terminal Capabilities Kernel Config Kernel Config Kernel Config
9F40 Additional Terminal Capabilities Kernel Config Kernel Config Kernel Config
9F15 Merchant Category Code Assigned by Elavon Assigned by Elavon Assigned by Elavon
Transaction Category Code ‘R’ ‘R’ ‘R’
 9F06 Application Identifier A0000000041010 A0000000043060 A0000000042203
Default Application Label MasterCard Credit Maestro Debit MasterCard
9F1A Terminal Country Code 840 840 840
5F2A Transaction Currency Code 840 840 840
 5F36 Transaction Currency Exponent 2 2 2
97 Default DDOL 9F3704 9F3704 9F3704
  Default TDOL 9F02065F2A029A039C0195059F3704 9F02065F2A029A039C0195059F3704 9F02065F2A029A039C0195059F3704
  TAC - Default FC 50 B8 A0 00 FC 50 BC A0 00 FC 50 BC A0 00
  TAC - Denial 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00
TAC - Online FC 50 80 88 00 FC 50 BC F8 00 FC 50 80 88 00
9F1B  Terminal Floor Limit 0.00 0.00 0.00
  EMV Random Selection Threshold 0.00 0.00 0.00
  EMV Random Selection Maximum % 99 99 99
  EMV Random Selection Target % 99 99 99
  Partial Name Selection Flag Y Y Y
  Allow Fallback Flag Y Y Y
  Allow PIN Bypass Y Y Y
9F09 Acquirer ID 12097 12097 12097
9F09 Application Version Number (Primary) 0x0002 0x0002 0x0002
  Application Version Number (Secondary) 0x0002 0x0002 0x0002
  Contactless      
  TAC - Default F4 50 84 80 0C F4 50 04 80 0C F4 50 84 80 0C
  TAC - Denial 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00
  TAC - Online F4 50 84 80 0C F4 50 04 80 0C F4 50 84 80 0C
9F1B Enable Mchip Y Y Y
  Enable Mstripe Y Y Y
  Contactless Floor Limit 0.00 0.00 0.00
  Contactless CVM Limit 100.00 100.00 100.00
  Contactless Terminal Capabilities CVM Req Kernel Config. Kernel Config. Kernel Config.
  Contactless Terminal Capabilities CVM NotReq Kernel Config. Kernel Config. Kernel Config.

UnionPay International – Credit

Note that UnionPay uses non-production BIN ranges for testing. PAN lengths may be 19 digits in length in test though production PANs would be normal length.

EMV Tag Description UPI Credit UPI Quasi-Credit
9F35 Terminal Type Kernel Config Kernel Config
9F33 Terminal Capabilities Kernel Config Kernel Config
9F40 Additional Terminal Capabilities Kernel Config Kernel Config
9F15 Merchant Category Code Assigned by Elavon Assigned by Elavon
9F06 Application Identifier A000000333010102 A000000333010103
  Default Application Label UnionPay Credit UnionPay Quasi Credit
9F1A Terminal Country Code 840 840
5F2A Transaction Currency Code 840 840
5F36 Transaction Currency Exponent 2 2
  Default DDOL 9F3704 9F3704
97 Default TDOL N/A N/A
  TAC – Default D8 40 00 A8 00 D8 40 00 A8 00
  TAC - Denial 00 10 00 00 00 00 10 00 00 00
  TAC - Online D8 40 04 F8 00 D8 40 04 F8 00
9F1B Terminal Floor Limit 0.00 0.00
  EMV Random Selection Threshold 0.00 0.00
  EMV Random Selection Maximum % 99 99
  EMV Random Selection Target % 99 99
  Partial Name Selection Flag Y Y
  Allow Fallback Flag Y Y
  Allow PIN Bypass Y Y
  Acquirer ID 0 0
9F09 Application Version Number (Primary) 0x0020 0x0020
9F09 Application Version Number (Secondary) 0x0020 0x0020

UnionPay International – Debit

EMV Tag Description UPI Debit UPI Common Debit
9F35 Terminal Type Kernel Config Kernel Config
9F33 Terminal Capabilities Kernel Config Kernel Config
9F40 Additional Terminal Capabilities Kernel Config Kernel Config
9F15 Merchant Category Code Assigned by Elavon Assigned by Elavon
9F06 Application Identifier A000000333010101 A000000333010108
  Default Application Label UnionPay Debit UnionPay Debit
9F1A Terminal Country Code 840 840
5F2A Transaction Currency Code 840 840
5F36 Transaction Currency Exponent 2 2
  Default DDOL 9F3704 9F3704
97 Default TDOL N/A N/A
  TAC – Default D8 40 00 A8 00 D8 40 00 A8 00
  TAC - Denial 00 10 00 00 00 00 10 00 00 00
  TAC - Online D8 40 04 F8 00 D8 40 04 F8 00
9F1B Terminal Floor Limit 0.00 0.00
  EMV Random Selection Threshold 0.00 0.00
  EMV Random Selection Maximum % 99 99
  EMV Random Selection Target % 99 99
  Partial Name Selection Flag Y Y
  Allow Fallback Flag Y Y
  Allow PIN Bypass Y Y
  Acquirer ID 0 0
9F09 Application Version Number (Primary) 0x0020 0x0020
9F09 Application Version Number (Secondary) 0x0020 0x0020

Visa - Credit

EMV Tag Description Visa Credit Visa Electron
9F35 Terminal Type Kernel Config Kernel Config
9F33 Terminal Capabilities Kernel Config Kernel Config
9F40 Additional Terminal Capabilities Kernel Config Kernel Config
9F15 Merchant Category Code Assigned by Elavon Assigned by Elavon
9F06 Application Identifier A0000000031010 A0000000032010
  Default Application Label Visa Credit Visa Electron
9F1A Terminal Country Code 840 840
5F2A Transaction Currency Code 840 840
5F36 Transaction Currency Exponent 2 2
  Default DDOL 9F3704 9F3704
97 Default TDOL 9F0206 9F0206
  TAC - Default DC 40 00 A8 00 DC 40 00 A8 00
  TAC - Denial 00 10 00 00 00 00 10 00 00 00
  TAC - Online DC 40 04 F8 00 DC 40 04 F8 00
9F1B Terminal Floor Limit 0.00 0.00
  EMV Random Selection Threshold 0.00 0.00
  EMV Random Selection Maximum % 99 99
  EMV Random Selection Target % 99 99
  Partial Name Selection Flag Y Y
  Allow Fallback Flag Y Y
  Allow PIN Bypass Y Y
  Acquirer ID 412700 412700
9F09 Application Version Number (Primary) 96 96
9F09 Application Version Number (Secondary) 08C 08C
  Contactless    
  TAC - Default DC 40 00 A8 00 DC 40 00 A8 00
  TAC - Denial 00 10 00 00 00 00 10 00 00 00
  TAC - Online DC 40 04 F8 00 DC 40 04 F8 00
  Contactless Floor Limit 0.00 0.00
  Contactless CVM Limit 25.00 25.00
9F66 Visa TTQ Terminal Config. Terminal Config.

Visa - Debit

EMV Tag  Description Visa Interlink   Debit International  US Common Debit  
9F35 Terminal Type Kernel Config Kernel Config Kernel Config
9F33 Terminal Capabilities Kernel Config Kernel Config Kernel Config
9F40 Additional Terminal Capabilities Kernel Config Kernel Config Kernel Config
9F15 Merchant Category Code Assigned by Elavon Assigned by Elavon Assigned by Elavon
9F06 Application Identifier A0000000033010 A0000000031010 A0000000980840
  Default Application Label Interlink Visa Debit US Debit
9F1A Terminal Country Code 840 840 840
5F2A Transaction Currency Code 840 840 840
5F36 Transaction Currency Exponent 2 2 2
  Default DDOL 9F3704 9F3704 9F3704
97 Default TDOL 9F0206 9F0206 9F0206
  TAC - Default DC 40 00 A8 00 DC 40 00 A8 00 DC 40 00 A8 00
  TAC - Denial 00 10 00 00 00 00 10 00 00 00 00 10 00 00 00
  TAC - Online DC 40 04 F8 00 DC 40 04 F8 00 DC 40 04 F8 00
9F1B Terminal Floor Limit 0.00 0.00 0.00
  EMV Random Selection Threshold 0.00 0.00 0.00
  EMV Random Selection Maximum % 99 99 99
  EMV Random Selection Target % 99 99 99
  Partial Name Selection Flag Y Y Y
  Allow Fallback Flag Y Y Y
  Allow PIN Bypass Y Y Y
  Acquirer ID 412700 412700 412700
9F09 Application Version Number (Primary) 96 96 96
9F09 Application Version Number (Secondary) 08C 08C 08C
  Contactless      
  TAC - Default DC 40 00 A8 00 DC 40 00 A8 00  
  TAC - Denial 00 10 00 00 00 00 10 00 00 00  
  TAC - Online DC 40 04 F8 00 DC 40 04 F8 00  
  Contactless Floor Limit 0.00 0.00 0.00
  Contactless CVM Limit 0.00 0.00 0.00
9F66 Visa TTQ Terminal Config. Terminal Config. Terminal Config.