S.

No High Level Functions Sub-Functions

1 Configuration and General functions

Parameter Setup & Verification

- Interface Configuration - Internal interfaces,
interchanges, bank hosts
1.1 Configuration verification only (Set up is done - BIN Table/ICA table/NPCI BIN table uploads from
by FIS) schemes, Currency Table upload, Currency conversion
rates table upload and maintenance
- Verification if keys set up - Zone and Transaction
specific keys per bank

1.2 Network Management Tests Sign On, Sign Off, Auto Sign On, Echo, Cutover, Key
exchange
2 Terminal Driving

2.1 ATM/BNA Driving Admin Functionality /TIA functionality

ATM Driving – Transaction checks

ATM Batch Cut over

Transaction Timers
ATM Channel parameters

Enforcing Transaction restrictions

Source to destination routing based on business

relationship

Action Code Mapping - IST to ATM

Fast Cash - Denominations

Hopper Settings and corresponding ATM behaviour

Receipt Parameters and Formatting

ATM Balancing
States and Screens

ATM Consumer Media - display of text on receipts and

statements

Multiple Account Selection (Open Account

Relationship/OAR)

ATM Receipts printing and validation based on the set

up

Monitoring Current Status of an ATM(s)

Monitoring Subtotals for an ATM

 ATM Faults and clearing of ATM faults followed by the
status verification of the ATM

LTS/TVS
GL Verification & Reconciliation
Timer definitions (ATM to IST, IST to Schemes)

Monitoring Events and verification of alerts

Terminal configuration set up and download to

2.2 POS Driving physical devices: Terminal Initialization

Support all terminal messaging and processing

Set up: Add, Update and Delete terminals for existing

and new merchants

Transaction routing based on source to destination

business relation ship - Onus and Offus scenarios

Message conversion from POS format to ISO8583-87

and ISO8583-93 based on the destination.

Acceptance of batch settlements - balancing, enforcing

batch uploads in case of mismatch followed by
settlement

Action Code Mapping - IST to POS

 Terminal Monitoring: Status, Events and verification of
alerts

3 ATM Acquiring

ATM Acquiring (Offus Cards & Onus Cards)

- ATM Screen Layout and Screen Flow by
transaction type
3.1 - Message Flow /Routing validations by source Cash Withdrawal
and destination
- Host Responses ( From Schemes/ Bank Host)
- Negative Scenarios
- PIN Verification

Fastcash

Balance Enquiry

Utility Bill Payment

Mobile Phone Top-Up

Mini-Statement

PIN Change
 Full Reversal - Time Outs, Cancellations, Dispense
failure, Power Failure, Journal/Receipt paper empty

Partial Reversal

Response Codes
Decline Transactions and Response codes mapping
covering below:
- CBS declines (financial)
- IST declines (non-financial)
- Card declines
- Device declines

Velocity Limit Check

Fallback Transaction

Receipts and Ejournal validation

POS/ATM channels for the transactions that involve

PIN Translation from different sources to PIN
3.2
different destination
Switch to HSM calls for PIN translation
4 BNA Acquiring

- ONUS transactions only

- Card present (Magstripe only) and Card Not Present
4.1 Transaction on BNA - ASP model - Screen messages and Screen Flow
- Cash Deposit to selected own/other accounts
- IST/Device/CBS declines + PIN Validation
- ATM/POS transactions after successful deposit

5 Acquiring - Channel independent

5.1 Transaction Processing Duplicate Transactions Check
Relationship based authorizations
Message Type Check
Transaction Routing - Exceptions

Reversal
 Fraud and Risk Reporting Score Checks

6 POS Acquiring

POS Terminal Driving and Acquiring

6.1 (Offus Cards & Onus Cards) Point-of-Sale - Purchase
MasterCard Credit, Visa Base I and RuPay
- PIN Verification

Point-of-Sale - Purchase + Cashout

Point-of-Sale - Cashout

Point-of-Sale - Reversal (Originals/Refunds/Voids)

Point-of-Sale - Refund
 Point-of-Sale - Void

Point-of-Sale - TIP Adjustment

Point-of-Sale - Pre-Auth

Point-of-Sale - Sale Completion

Point-of-Sale - Balance Inquiry

6.2 Issuer Script Processing - Acquiring Issuer Script Processing for EMV Cards
 Decline Transactions and Response code mapping
covering below decline categories:
- CBS declines (financial)
- IST declines (non-financial)
- Card declines
- Device declines
- Scheme declines
Point-of-Sale - Velocity Tests
Point-of-Sale - Referal response codes
Settlement and Batch reports from Terminal
Reprint of the last Transaction
Reprint of the last settlement
Batch Upload due to mismatched totals
7 Ecom Acquiring

7.1 E-Commerce - Acquiring Purchase, Refund, Utility Bill Payment

8 Issuing Testing
Transactions acquired by remote ATMs/ Schemes
- Cash Withdrawal
8.1 Issuing - Transaction from schemes
(VISA/MasterCard/RuPay Cards)
- Balance Inquiry
- PIN Change
- Mini Statement
- Reversals (Full/Partial/Unmatched)

Transactions acquired by remote PoS (Merchant/Bank)

- Sale (With Cashback / With TIP)
- Refunds
- Reversals
- Cash at POS
- Pre-auth
- Incoming Fund Transfer Credit (VMT/MMS)
- Payments

Incoming E-Com transactions

MOTO (Purchase, Reversals and Refunds)

Decline Transactions - non financial checks

Decline Transactions - financial checks

 Cardholder record update for negative list - add,
maintain and delete
8.3 File Update Message
Hotlist based SMS
9 IMPS testing
- Person to Person
- Person to Account
9.1 IMPS funds transfer
- Funds transfer through Internet Banking, SMS and
Mobile channels
10 Certification Testing

10.1 International Networks: Visa Acquiring POS

• EMV acquiring certification for POS for IST/Switch

ATM
• Network certification for ATM Acquiring (No EMV)

10.2 International Networks: Visa Issuing • Issuer certification for IST/Switch (EMV/Non EMV,
Applicable Channels)

ATM
10.3 International Networks: MasterCard Acquiring
• Network certification for ATM Acquiring (No EMV)

POS
• EMV acquiring certification for POS for IST/Switch

• Issuer certification for IST/Switch (EMV/Non EMV,

10.4 International Networks: MasterCard Issuing
Applicable Channels)

10.5 Domestic Network: (NPCI) ATM (Issuer + Acquirer)

ATM (Issuer Only)

ATM (Acquirer Only)
E-Com PaySecure Issuer (Direct+Inflight)
E-Com PaySecure Acquirer (Direct+Inflight)
POS - Issuer
POS - Acquirer
Quick EMV Certification - POS Acquiring
Quick EMV Certification - Issuing
11 Debit Card Management System/ Core Banking System
Issuance
Linking
11.1 File Updates from CBS, saving/current accounts Delinking
linkage and card profile maintenance Address Change
Maintenance
12 Other Interfaces
 Billdesk - 3 Banks
Paymate - 1 Bank
VBV - 11 Banks
SPNS - 2 Banks
12.1 FSS Interface - 1 Bank - Request and Response Message validation between
Cashnet Interface - 1 Bank IST and the corresponding interface
Credit Card Interface - 2 Banks
INET Interface - 2 Banks
IVR Interface - 1 Bank

13 Clearing and Settlement

Acquirer
- Generation of IPMOUT, VISAOUT(Base II), Rupay
DMS File with First/Secod presentment transactions
Generation of Clearing files as Acquirer's - Processing of IPMIN, VISA Base II, Rupay DMS file
processor with life cycle transactions (Chargeback/Copy
Processing of Clearing files as Issuer' request/Fee/Funds disbursment transactions)
13.1 processor
Issuer
* For ASP model - Processing of IPMIN, VISA Base II, Rupay DMS file
with first and second presentment transactions
- Generation of IPMOUT, VISAOUT(Base II), Rupay DMS
File with chargeback transactions

14 Reports

Assumptions
1) Scope prepared considering below assumption
- International N/W: VISA / MasterCard
- Domestic N/W: RuPay/NFS

- Channel - ATM/POS/BNA
- On-Us / Off-Us / Bi-lateral for BOI and its RRBs
- Card Type - Debit
- Card Technology - Magstripe & EMV
- ISO8583 Message format - 87 and 93 (93 format is between IST & CBS/Card Host)
- Communication Protocol - TCP/IP
- Issuing / Acquiring
2) Switch Routing Architecture assumed as Active / Passive
3) FIS to arrange necessary tools / device required for testing
- ATM/POS/BNA Device
- Simulator - Scheme Simulators, Physical devices or Emulators for ATM, BNA and POS, Simulators for testing IMPS transactio
messages
- Physical card plastics

4) All validations are restricted only to Switch and not in Core Banking System / Card Host
5) All clear test keys to be provided by FIS - CVK / TPK / IWK / ZPK / ZMK / TMK / MDK-AC-SMI-SMC / IMK / PVK / KEK etc
 Destinations/Products Estimated Scripts
ONUS MasterC RuPay/ Total for All
Remarks General Cards VISA ard NFS Destinations

0 26 12 12 12 62

6 6 6 6 24

20 6 6 6 38
388 0 0 0 0 388

● Open or close one or more ATMs

● Display or print the online, open, balance, and cutover
status for one or more ATMs.
● Display the current status of an ATM.
● Display the current hardware, supply, open, and online
status for multiple ATMs. 22 22
● Retrieve and Display the current hardware, fitness,
sensor, and supplies status of an ATM.
● Change the keys in an ATM.

● Acquirer transaction allowed checking

● Checking for duplicate messages
● Generating transaction sequence numbers
● Setting or resetting PIN key error counts 12 12
● Receipt processing
● Downloading terminal configuration information to
ATMs

Cutover of ATM terminals 5 5

- network, institution, and interface

For ATM-acquired transactions, Verification of ATM

Inactivity timers for each ATM
- verification of message logs when a transaction has not 5 5
0been initiated at a terminal for the specified time
interval.
- Both week days and weekends
- Receipt printing parameters
- When ledger, available, or both ledger and available
balance amounts are presented to cardholders at the
ATM:
o only displayed on the ATM screen
o only printed on receipts
o both displayed on the ATM screen and printed on
receipts. 11 11
- display in default currency for the terminal if the
currency is not specified in the request message.
* converted balance in the terminal currency if the card
holder currency is not INR - consider 2,3 and 0 decimal
currencies
- withdraw whole or decimal amounts from the ATM.

- Transactions supported by ATM.

- Authorization, financial, file maintenance, administrative,
or network management
- Processing codes allowed for the ATM. 7 7
- Specify the geographic boundaries in which the
transaction is allowed
- Decline if there are no definitions for an ATM terminal.

- Allows one or more acquirers to share routing

configurations. 10 10
- Routing based on business relationship between the
transaction source & destination.
- Mapping of internal action (response) codes used by the
IST to external action codes recognized by the ATM 15 15
terminal.
- Configure fast cash transactions entered at an ATM
terminal. 5 5
- Specific currency in a fast cash profile.
- Specify the contents of each hopper in an ATM.
- To verify the currency and unit value 8 8
- To verify the standard initial count for hoppers using
cartridges, and the dispense algorithm.

- To define how receipts are formatted at the ATM.

- Transaction types for which receipt should be generated
- Whether a receipt is to be dispensed from the consumer 8 8
or journal printer

- Balancing within the institution balancing window and

update the capture date
- Balancing ATMs any time and do not update the capture
date.
- Force an ATM to cut over at the end of the institution’s
balancing and cutover window 8 8
- During forced cutover, ATM should not be balanced (i.e.,
the terminal’s amounts and counts are not reset to zero).
- Cutover status is set to indicate that the terminal was
forced to cut over
- Verify state & screen on ATM based on each action code
coming from the issuer. 15 15
- Verification of map states and screens to action codes.
- Verify the text for display on receipts and statements,
including
o transaction type
o action code response text for administrative and
cardholder
transactions 8 8
o account types
o balance types
o screen numbers for ATM screen error notification
overlays.
- Display of multiple accounts on ATM screen if a single
card is associated with multiple accounts
- Enable the cardholder to select the correct account or
accounts for a financial transaction 6 6
- Test the maximum number of accounts to be returned in
OAR response and the logic in which the accounts are
returned (i.e., both from and to accounts or one side at a
time).

- Printing of receipts on Receipt printer and journal printer

for the following transaction types:
o Financial transactions 9 9
o Statement print transactions
o Administrative transactions

Monitoring of below status:

(configuration, fitness, sensors, and supply)
● Card configuration
● Depository
● Dispenser
● Printer
● Security information

Monitoring Current Status of an ATM(s) by 22 22

● Channel ID
● Channel type
● Institution ID
● Hardware fitness status
- 4-fatal, errors, 3-suspended, or 2-warning etc or for all
levels of hardware fitness statuses.
● Supply status
- 4-overfill, 3-out, or 2-low etc. or for all levels of supply
statuses.

To verify various current balance period and previous

balance period subtotals for an ATM terminal, including
- hopper subtotals
- standard deposit subtotals
- Self-Service Banking (SSB) subtotals 10 10
- transaction security totals and
- a number of miscellaneous subtotals
o number of cards retained
o total debit
o total on-us debit amounts, etc
Partial Reversal Transaction
NFS Timeout Case
Acquirer Timeout Cases
Customer Cancel
Fail to See End Case: Network Cable Disconnect before the
reply is received by ATM.
Fail to See End Case:Transaction Timed out at the ATM and 10 10
Serial number in the LTS of the next transaction is not
equal to the actual Last transaction serial # present at the
switch
Fail to See End Case: Message rejected by the ATM as the
response received is not of the current transaction which
is in progress at the ATM.
Message rejected by the ATM (Generic command reject)
Fail to See End Case: Unknown status from the ATM 63 63
Fail to See End Case: Power off at ATM
Fail to See End Case: Power off at ATM
LTS / TVS Cases (Dispenser Error Case - Shutter Open)
LTS / TVS Cases (Dispenser Error Case - Shutter Close)
LTS / TVS Cases (ATM Network disconnection after cash
-dispensed-
ValidationCash not collected)
of events logged in IST based on ATM status
LTS / TVS Cases (ATM Network disconnection after cash
monitoring 12 12
dispensed- Cash collected)
LTS / TVS Cases (ATM Network disconnection at the time
-ofVerification
counting ofofCash-
terminal
Cashconfig after loading
collected)
LTS- Acquiring institution,
/ TVS Cases MID, TID,
(ATM Network CVV2 acceptance,
disconnection dial
at the time
settings andof
of counting parameters,
Cash- Cashallowed and restricted cards,
not collected)
transaction restrictions,
Disabling Cash retract atbatch configuration, settlement
the ATM
configuration,
Repeated ReversaltimeFrom
out duration,
AcquirerSpecific terminal
capabilities such as Device type or 25 25
model, EMV capability, MOTO capability, country,
transaction currency
- Loading of the terminal keys and usage of them in PIN
encryption as per the deployed algorithm

12 12

- Manual and File upload from the banks

- Specific terminal capabilities such as Device type or 15 15
model, EMV capability, MOTO capability, country,
transaction currency

- Onus routing to CBS hosts after non-financial checking

and message formatting
- Offus routing to RuPay, MasterCard, VISA by recognising
the card and validating the BIN
- Population of correct institution id in the message routed 20 20
to the schemes
- Conform to RuPay, VISA and MasterCard regulations &
message specifications

- Verification of batch Status terminal wise with debits and

credits (both amounts and counts) 15 15

- Mapping of internal action (response) codes used by the

IST to external action codes recognized by the POS
terminal. 15 15
- Display of text corresponding to action code recognised
by the terminal
- Interrogate individual terminal batch totals and
transactions
- Interrogate individual terminal status
- Mark a terminal as active/inactive
- Look-up transaction details at a card level in near real 15 15
time, including terminal Id, Merchant id, amount, approval
or decline code and date and time.
- Validation of events logged in IST based on ATM status
monitoring

0 95 49 49 50 243

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- Local / International (MasterCard/VISA) 6 4 4 4 18
- Magstripe Only (ATMs are magnetic stripe only)
- Debit / Credit (Credit for International Issuers)
- Approved / Declined

- On-Us
- Magstripe Only (ATMs are magnetic stripe only)
- Debit 8 8
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- Local / International (MasterCard/VISA)
- Magstripe Only (ATMs are magnetic stripe only) 6 4 4 4 18
- Debit / Credit (Credit for International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- Magstripe Only (ATMs are magnetic stripe only)
- Debit / Credit (International Issuers) 3 3
- Approved / Declined
(Telephone/Electricity/Water/Insurance)

- Approved / Declined
- Multiple service providers (2 assumed) 3 3
- Debit / Credit (International Issuers)

- VISA / MasterCard / NPCI

- Magstripe Only (ATMs are magnetic stripe only)
- Debit / Credit (Credit for International Issuers) 5 4 4 3 16
- Mini-Statement fee (if applicable)
- No record/1 round/'n' records (n being the maximum
number of transaction records)

- VISA / MasterCard / NPCI

- Magstripe Only (ATMs are magnetic stripe only)
- Approved / Declined / Reversals 6 5 5 5 21
- On-Us / Off-Us
- PIN Change length (4 to 6 digits)
(PIN translation is handled as different scope item)
14 Invalid card number (no such number)
65 Exceeds withdrawal frequency limit
61 Exceeds withdrawal limit
36/62 Restricted card
33/54 Expired card
41 Lost
- VISA card
/ MasterCard / NPCI
43 Stolen card,
- Magstripe Onlypick-up
(ATMs are magnetic stripe only)
05 Do not
- Debit honour
/ Credit (Credit for International Issuers) 10 6 6 6 28
04 Pick-up/card
- Approval decline
12 Invalid transaction
51 Not/ sufficient
- VISA MasterCard funds
/ NPCI
55 Invalid PIN
- Magstripe Only (ATMs are magnetic stripe only)
30 Format
- Debit Error(Credit for International Issuers)
/ Credit 4 2 2 4 12
57 Transaction
- Under dispensenotandpermitted
Over dispense scenarios
93 PIN Block error
52 Invalid checking account
53 Invalid saving account

Scheme decline

91 - Issuer not available 20 13 13 13 59

05 Do not honour
51 Not sufficient funds
05 Do not honour
12 Invalid transaction
41 Lost card
43 Stolen card, pick-up
55
- On-UsInvalid PIN
/ Off-Us
96 System
- By Card type, malfunction
scheme, product, transaction type,
30 Format Error 15 5 5 5 30
transaction amount, transaction count, BIN restrictions
12 Invalid transaction
- Boundary values
33/54 Expired card
57 Transaction not permitted
-34VISASuspected fraud / NPCI
/ MasterCard
-94Magstripe
DuplicateOnly
transaction
(ATMs are magnetic stripe only) 0 0 0 0 0
- Debit / Credit (International Issuers)
-CBS
Approved / Declined
51 Not sufficient funds
- VISA / MasterCard / NPCI
- Debit / Credit (International Issuers) 5 2 2 2 11
-Device
Approved
Decline
/ Declined
Card not supported
- TPK to IWKEMV application
Unsupported
- TPK to ZPK
4 4 4 4 16
- ZPK to IWK
for Valid & Invalid Keys
0 40 0 0 0 40

40 0 0 0 40

14 9 3 13 13 52
4 4
5 5
1 1 1 3
Transaction routing - Active / Passive setup 4 4
Transaction routing when Active instance is down 4 4
Synchronization activity between the instances of switch 2 2

Switch initiated reversal in case of late reply from the

issuer host 4 2 2 2 10
 - Assessment of risk score provided by MasterCard/NPCI
in the transaction messages
- Approval of transaction if the scheme calculated score
10 10 20
is less than the threshold score
- Decline of transaction if the scheme calculated score is
greater than the threshold score
44 61 47 47 36 235

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA) 7 5 5 5 22
- EMV (For Scheme cards only) / Magstripe
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA) 2 2 2 2 8
- EMV (For Scheme cards only) / Magstripe
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA)
- EMV (For Scheme cards only) / Magstripe 2 2 2 2 8
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA) 7 4 4 4 19
- EMV (For Scheme cards only) / Magstripe
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA) 2 2 2 2 8
- EMV (For Scheme cards only) / Magstripe
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined
- VISA / MasterCard / NPCI
- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA) 2 2 2 2 8
- EMV (For Scheme cards only) / Magstripe
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA)
- EMV (For Scheme cards only) / Magstripe 2 2 2 2 8
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA) 2 2 2 2 8
- EMV (For Scheme cards only) / Magstripe
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA) 2 2 2 2 8
- EMV (For Scheme cards only) / Magstripe
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- VISA / MasterCard / NPCI

- On-Us / Off-Us
- SMS / DMS PIN / DMS Signature
- Local / International (MasterCard/VISA)
- EMV (For Scheme cards only) / Magstripe 7 5 5 17
- CVV/ICVV/ARQC
- Debit / Credit (International Issuers)
- Approved / Declined

- Off-Us Cards and Onus Cards

- Handling of issuer scripts in incoming response from
issuing application and transmission to ATMs/PoS 6 6 6 18
- Card block / Unblock, Application Block/ Unblock, PIN
Block / Unblock, Get Data, Put Data, Update Data
- Scripts in tag 71 / 72 / 3rd Bitmap
51 Not sufficient funds
55 Invalid PIN
30 Format Error
57 Transaction not permitted
93 PIN Block error
52 Invalid checking account
53 Invalid saving account

Scheme decline
91 - Issuer not available 20 13 13 13 59
05 Do not honour
51 Not sufficient funds
05 Do not honour
12 Invalid transaction
41 Lost card 15 15
43 Stolen card, pick-up 6 6
55 Invalid PIN
96 System malfunction 15 15
30 Format Error 2 2
12 Invalid transaction 3 3
33/54 Expired card 3 3
57 Transaction not permitted
34 Suspected fraud 0 0 0 0 0 0
94 Duplicate transaction
- VISA / MasterCard/ RuPay
CBS
- Secure/ non-secure transaction with 3DS/VBV merchants
51
andNot sufficient
3DS/VBV funds cards
registered
- CVV2/CVC2, CAVV and UCAF validation and transmission 0 0 0 0 0 0
Device
- On-UsDecline
/ Off-Us (VISA/MasterCard)
Card not supported
- Approved / Declined
Unsupported EMV application
- Local / International (MasterCard/VISA)

0 3 68 68 76 215
- EMV / Magstripe / Fallback
- Debit card
- PIN/CVV/ICVV/ARQC/OBS results validation 15 15 12 42
- Approved / Declined
- Local / International
- Original and repeat requests

- EMV / Magstripe / Keyed Input

- Debit card
- PIN/CVV/ICVV/CVV2/ARQC/OBS results validation 15 15 12 42
- Approved / Declined
- Original and repeat requests

- Secure/ non-secure transaction

- CVV2/CVC2 validation 10 10 25 45
- Approved / Declined
- Local / International merchants
- Approved / Decline
- Local / International 7 7 5 19
- CVV2/CVC2 validation

- Invalid PIN, PIN try limit exceeded, Invalid

CVV/CVV2/ICVV/ARQC result/CAVV/UCAF
data/Card/Account/Expiry date/Track 1/Track 2 /
- MC/VISA/RuPay Onus cards 15 15 15 45
- Across ATM/POS/Ecom Channels
- Velocity limits

- Insufficient funds, Insufficient cash limits,

- MC/VISA/RuPay Onus cards 5 5 6 16
- Across ATM/POS/Ecom Channels
 3 1 1 1 6

0 0 0 0 110 110

- Debit cards
- MMID/IFSC/Mobile Number/Account number validation 110 110
- Approved / Declined

Issuer - 32+20
Acquirer - 32+20
LTS/TVS - 20+24 156
N/W cases - 8
60
104
63
61
90
113

35 35

CAF and PBF - Full and Partial refresh uploads

Linking and Delinking of Cards with Accounts 35 35
Card holder profile updates and maintenance

100 0 100
 100 100

100 0 100

100 100

100 0 100

mulators for testing IMPS transactions traffic, VBA pass through

MI-SMC / IMK / PVK / KEK etc

Estimated Scripts
Pass
ASP through Gateway

62 20 20

24 12 12

38 8 8
388 0 6

22

12

5
11

10

15

8
15

22

10
10

63 6

12

25

12

15

20

15

15
15

243 66 66

18 5 5

18 5 5

16 4 4

21 5.25 5.25
28 7 7

12 3 3

59 26 26

30

0 0 0

11

16 12 12

40 0 0

40

52 14 14
4
5
3 1 1
4
4
2

10 3 3
20 10 10

235 56 62

22 5 5

8 2 2

8 2 2

19 4 4

8 2 2
8 2 2

8 2 2

8 2 2

8 2 2

17 4 4

18 3 3
59 26 26

15
6 6
15
2
3
3
0 0 0

0 0 0

215 52 55

42 10 10

42 10 10

45 15 15

19 5 5

45 6 6

16 3 3
 6 3 6

110 0 0

110

35

35

100
100

100

100

100