ICC Declines and Simplify Reversal Mode

If the ICC chip declines a host-approved transaction, or the customer removes their card from the chip reader before a host-approved transaction is completed, the host approval will need to be reversed.

If one of these scenarios occurs, the message in field 1010 will begin with *ICC (see Simplify-Generated Messages ) and field 26 will specify the reason for the reversal. 2 = Chip requested decline: 3 = Premature EMV card removal.

If a host approval needs to be reversed, Simplify will send an EMV decline of the original transaction to the POS and go into reversal mode to force a host reversal. In reversal mode, Simplify sends the reversal (Tran Type 11) to the host, and resends it if necessary, until a response is received. While this is taking place, any other transactions sent to the PIN Pad will be processed offline. After Simplify receives an approval of the reversal, it will return to normal processing mode.

Alternatively, the POS can force Simplify out of reversal mode by sending an Exit Reversal Mode (36-12) message. Simplify will respond by sending a Void Transaction Response (11) message to the POS, including the data required to request the reversal. The PIN Pad will then return to normal processing mode. (If this message is sent and Simplify is not in reversal mode, it will just echo back the same message it receives.) See below for format and sample message exchange.

(Simplify can also be forced to exit reversal mode from within the Elavon Main Menu on the PIN Pad; see the Simplify Configuration,Download and Troubleshooting Guide under "Exiting Reversal Mode" for details.)

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important

Forcing Simplify to exit reversal mode is an exception procedure that should only be used when necessary. Affected transactions must be reviewed to ensure that customers have been correctly charged.

If Simplify is forced out of reversal mode, the merchant will be responsible for ensuring that the transaction is reversed by the host, using the data in the Void Transaction Response. Elavon strongly recommends allowing Simplify to use reversal mode to reverse all host-approved transactions that are declined by the chip.

The following tables provide:

  • A sample of an ICC Chip Decline response.

  • The format of the Exit Reversal Mode message.

  • A sample of the Exit Reversal Mode / Void Transaction Response message exchange.

Sample ICC Chip Decline Response

Below is a sample response for a Sale transaction that was declined by the ICC:

API Field #, Value Description
0001,02
0002,3.00
0003,ID:5555396468550434
0004,1218
0006,006276
0007,221
0009,001
0011,xxx.. User Data. See Field 11 (User Data) .
0013,022519
0014,143339
0017,0
0026,2 Reason for chip decline (2=Chip requested decline; 3=Premature EMV card removal)
0030,1
0032,022519
0033,173346
0034,M
0035,0707
0036,MCC0110ZU
0037,0
0043,015755
0047,C;1;1;1;0;1;5;0;5;3;3;1;0;4 POS Data Code
0052,0 Transponder / Proximity Indicator (0 = contact; 2 = contactless; 5 = swiped)
0054,05 POS Entry Mode (EMV Tag 9F39)
0055,1 PIN Capabilities
0057,0 ICC Chip Condition Code
0061,00
0062,201
0063,00
0109,RETERM1
0110,205
0112,400
0115,010
0125,707213346
0126,2
0129,0
0130,300
0140,USD
0163,en Cardholder Language Preference (EMV Tag 5F2D)
0651,0000000
1000,MC
1001,MASTERCARD
1002,Test Card 10
1003,264
1005,0010600008014593613999
1008,************0434
1010,*ICC EMV DECLINED. Simplify Response Message
1012,0774
1200,0000AA
1300,DF60405EFAA61BE6 Application Cryptogram (EMV Tag 9F26)
1301,D9816C720D4ECD560012 Issuer Authentication Data (EMV Tag 91)
1302,181231 Application Expiration Date (EMV Tag 5F24)
1303,1F0002 Cardholder Verification Method (CVM) Results (EMV Tag 9F34)
1305,021020100F220400000000000000000000FF Issuer Application Data (EMV Tag 9F10)
1306,E0F8C8 Terminal Capabilities (EMV Tag 9F33)
1307,4200008000 Terminal Verification Result (TVR) (EMV Tag 95)
1312,124 Terminal Country Code (EMV Tag 9F1A)
1313,00 Application PAN Sequence Number (EMV Tag 5F34)
1314,A0000000041010 Dedicated File Name (EMV Tag 84)
1317,0002 Terminal Application Version Number (EMV Tag 9F09)
1318,00000192 Transaction Sequence Counter (EMV Tag 9F41)
1319,5800 Application Interchange Profile (EMV Tag 82)
1320,0014 Application Transaction Counter (ATC) (EMV Tag 9F36)
1321,00 Cryptogram Information Data (EMV Tag 9F27)
1322,22 Terminal Type (EMV Tag 9F35)
1323,E66C0DB5 Unpredictable Number (EMV Tag 9F37)
1325,A0000000041010 ICC Application Identifier (AID) (EMV Tag 4F)
1326,MasterCard ICC Application Preferred Name (EMV Tag 9F12)
1327,MasterCard Terminal Application Label (EMV Tag 50)
1328,A0000000041010 Terminal Application Identifier (AID) (EMV Tag 9F06)
1332,FF00 Application Usage Control (EMV Tag 9F07)
1333,06152016 Last Host EMV Key Download
1334,E800 Transaction Status Information (EMV Tag 9B)
1339,00 EMV Response Code (EMV Tag 8A)
1350,F1 CA Public Key Index (EMV Tag 8F)
1357,124 ICC Transaction Currency (EMV Tag 5F2A)
1358,00 Cryptogram Tran Type (EMV Tag 9C)
1359,4 EMV CVM Verification Indicator
1361,0840 Issuer Currency Code (EMV Tag 5F56)
1376,00000000000000001F00 CVM List EMV Tag (8E)
1378,1326|Application Label: ;1300|TC:;1307|TVR: ;1325|AID: ; EMV Approved Receipt Field List
1379,1326|Application Label: ;1300|AAC: ;1307|TVR: ;1325|AID: ; EMV Declined Receipt Field List
1380,CHIP POS Entry Receipt Indicator
4747,04051
5002,70117222
5004,G2
5010,EMVDC0838 EMV kernel version
7007,1116189776252145
8002,SIMTESTVOLT
8006,TSTLA3

Sample Exit Reversal Mode Message Exchange

The response to an Exit Reversal Mode (36-12) Request is a Void Transaction (11) Response:

Exit Reversal Mode Request

API Field #, Value Description
0001,36 Transaction Type
0007,1 Transaction Amount
0011,xxx.. User Data. See Field 11 (User Data) .
0013,022519 Transaction Date (current date) – MMDDYY
0014,150258 Transaction time (current time) – HHMMSS

Void Transaction Response

API Field #, Value Description
0001,11 Transaction Type
0002,20.00 Transaction
0003,;541333***0011=2512601MUYytYLBrXYG? Account Data
0007,35 Reference Number
0011,xxx.. User Data. See Field 11 (User Data) .
0013,022519 Transaction date(current date) – MMDDDYY
0014,135718 Transaction time (current time) – HHMMSS
0017,0 Cash Back Amount
0047,5;1;1;1;0;1;5;1;1;3;*;C POS Data Code
0052,0 Transponder / Proximity Indicator (0 = contact; 2 = contactless; 5 = swiped)
0054,05 POS Entry Mode (EMV Tag 9F39)
0055,9 PIN Capabilities
0057,0 ICC Chip Condition Code
0109,RETAIL Terminal ID
0110,205 Cashier ID
0115,10 Transaction Qualifier
0163,EN Cardholder Language Preference (EMV Tag 5F2D)
1002,MTIP06 MCD 13A Cardholder Name
1300,DD38ED49BCA8EA20 Application Cryptogram (EMV Tag 9F26)
1302,251231 Application Expiration Date (EMV Tag 5F24)
1303,410302 Cardholder Verification Method (CVM) Results (EMV Tag 9F34)
1305,0210A5800F040000000000000000000000FF Issuer Application Data (EMV Tag 9F10)
1306,E0F8C8 Terminal Capabilities (EMV Tag 9F33)
1307,0000008000 Terminal Verification Results (TVR) (EMV Tag 95)
1312,840 Terminal Country Code (EMV Tag 9F1A)
1313,03 Application PAN Sequence Number (EMV Tag 5F34)
1317,0002 Terminal Application Version Number (EMV Tag 9F09)
1318,00000070 Transaction Sequence Counter (EMV Tag 9F41)
1319,3000 Application Interchange Profile (EMV Tag 82)
1320,0027 Application Transaction Counter (ATC) (EMV Tag 9F36)
1321,80 Cryptogram Information Data (EMV Tag 9F27)
1322,22 Terminal Type (EMV Tag 9F35)
1323,65058BBD Unpredictable Number (EMV Tag 9F37)
1325,A0000000041010 ICC Application Identifier (AID) (EMV Tag 4F)
1326,MasterCard ICC Application Preferred Name (EMV Tag 9F12)
1327,MASTERCARD Terminal Application Label (EMV Tag 50)
1328,A0000000041010 Terminal Application Identifier (AID) (EMV Tag 9F06)
1332,FF00 Application Usage Control (EMV Tag 9F07)
1334,E800 Transaction Status Information (EMV Tag 9B)
1350,F1 CA Public Key Index (EMV Tag 8F)
1354,03 ICC Public Key Exponent (EMV Tag 9F47)
1357,840 ICC Transaction Currency (EMV Tag 5F2A)
1358,00 Cryptogram Tran Type (EMV Tag 9C)
1361,0056 Issuer Currency Code EMV Tag (5F56)
1376,000000000000000
0410342031E031F00
CVM List EMV Tag (8E)
5002,70045363 Device Serial Number
5004,G2 Encryption Provider ID
5010,EMVDC0838 EMV kernel version
8002,EMVG2 Location Name (provided by Elavon)
8006,CHAIN Chain Code (provided by Elavon)