Acquirer Credit and

Debit
- Test Cases
11 February 2021

XX4k
 Contents

Contents

Summary of Changes 11 February 2021.................................................... 17

Chapter 1: Dual Message Authorization.....................................................19

Introduction......................................................................................................................... 25
TRIC Table Notations....................................................................................................26
Test Cases—Magnetic Stripe-based Operations.........................................................27
Base Testing....................................................................................................................27
Table 0400000—Acquirer Credit and Debit—MSR Base—8-Digit BIN
Standard and Account Range Specifications—Authorization Requests
and Reversals.............................................................................................................29
Table 0400001—Acquirer Credit and Debit—MSR Base—All Business
Transactions (ATM)—Authorization Requests and Reversals......................... 31
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS-CP)—Authorization Requests, Advices and Reversals.. 34
Table 0400003—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS-CNP)—Authorization Requests, Advices and
Reversals.....................................................................................................................40
Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data
Conditions—Authorization Requests....................................................................45
Table 0400009—Acquirer Credit and Debit—MSR Base—Response
Codes—Authorization Requests............................................................................ 48
Table 0400011—Acquirer Credit and Debit—MSR Base—Additional
Merchant Data—Authorization Requests........................................................... 50
Table 0400016—Acquirer Credit and Debit—MSR Base—Payment
Account Reference (PAR)—Authorization Requests, Advices, Reversals...... 52
Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction
Integrity Classification (U.S. Region)—Authorization Requests.....................56
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level
Management (U.S. Region)—Authorization Requests......................................61
Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level
Management (Canada Region)—Authorization Requests.............................. 68
Table 0400493—Acquirer Credit and Debit—MSR Base—Account Level
Management (Europe Region)—Authorization Requests................................72
Table 0400494—Acquirer Credit and Debit—MSR Base—Account Level
Management (Asia Pacific Region)—Authorization Requests........................74
Products and Services.................................................................................................. 75
Table 0400101—Acquirer Credit and Debit—MSR Product and Services
—Private Data—Authorization Requests.............................................................80

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 2
 Contents

Table 0400106—Acquirer Credit and Debit—MSR Product and Services

—DE 28 Transaction Fee—Authorization Requests, Advices and
Reversals.....................................................................................................................82
Table 0400111—Acquirer Credit and Debit—MSR Product and Services
—Funding Transactions—Authorization Requests and Reversals...................84
Table 0400115—Acquirer Credit and Debit—MSR Product and Services
—Mastercard rePower Load Value Payment Transaction—Authorization
Requests and Reversals...........................................................................................87
Table 0400121—Acquirer Credit and Debit—MSR Product and Services
—Dynamic Currency Conversion—Authorization Requests............................. 88
Table 0400130—Acquirer Credit and Debit—MSR Product and Services
—Unsolicited Balance Responses—Authorization Requests............................ 90
Table 0400190—Acquirer Credit and Debit—MSR Product and Services
—Gambling Transactions and Gaming Payment Transactions—
Authorization Requests...........................................................................................91
Table 0400321—Acquirer Credit and Debit—MSR Product and Services
—PIN Management Service—Authorization Requests and Reversal............. 93
Table 0400401—Acquirer Credit and Debit—MSR Product and Services
—Merchant Advice Code—Authorization Requests........................................... 95
Table 0400411—Acquirer Credit and Debit—MSR Product and Services
—Installment Payment Service (Global)—Authorization Requests and
Advices........................................................................................................................ 97
Table 0400435—Acquirer Credit and Debit—MSR Product and Services
—Merchant Presented QR Funding Transactions—Authorization
Requests...................................................................................................................103
Table 0400444—Acquirer Credit and Debit—MSR Product and Services
—Visa Card Transactions—Authorization and Reversal Requests............... 105
Table 0400461—Acquirer Credit and Debit—MSR Product and Services
—Partial Approval—Authorization Request and Advice and Reversal........ 115
Table 0400470—Acquirer Credit and Debit—MSR Product and Services
—Debit Mastercard Merchant Acceptance (Canada)-Authorization
Requests...................................................................................................................118
Table 0400471—Acquirer Credit and Debit—MSR Product and Services
—Real-time Substantiation (U.S. Region)—Authorization and Reversal
Requests...................................................................................................................120
Table 0400501—Acquirer Credit and Debit—MSR Product and Services
—Parcelas Payment Transactions (Brazil)—Authorization Requests..........125
Table 0400502—Acquirer Credit and Debit—MSR Product and Services
—Cuotas Payment Transactions (Argentina)—Authorization Requests.... 127
Table 0400503—Acquirer Credit and Debit—MSR Product and Services
—Cuotas Payment Transactions (Uruguay)—Authorization Requests.......129
Table 0400504—Acquirer Credit and Debit—MSR Product and Services
—Cuotas Payment Transactions (Peru)—Authorization Requests.............. 131

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 3
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Table 0400506—Acquirer Credit and Debit—MSR Product and Services

—Installment Payment Service (Greece)—Authorization Requests............ 133
Table 0400508—Acquirer Credit and Debit—MSR Product and Services
—Installment Payment Service (Philippines)—Authorization and
Reversal Requests.................................................................................................. 136
Table 0400515—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing (Japan)—Authorization Requests and
Authorization Advices............................................................................................137
Table 0400545—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing (Paraguay)—Authorization Requests...................... 141
Table 0400546—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing (Paraguay)—Authorization Requests...................... 148
Table 0400550—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing (Colombia)—Authorization Requests, Advice,
and Reversal............................................................................................................ 153
Table 0400555—Acquirer Credit and Debit—MSR Product and Services
—Domestic Authorization Switching Service (Sweden)—Authorization
Requests and Reversals.........................................................................................158
Table 0400560—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing Installments (Chile)—Authorization Requests.......159
Table 0400561—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing Non-Installments (Chile)—Authorization
Requests...................................................................................................................179
Table 0400601—Acquirer Credit and Debit—MSR Product and Services
—Contactless Magnetic Stripe (All Business Transactions)—
Authorization Requests.........................................................................................184
Table 0400602—Acquirer Credit and Debit—MSR Product and Services
—Contactless Magnetic Stripe (Technical Conditions)—Authorization
Requests...................................................................................................................187
Table 0400603—Acquirer Credit and Debit—MSR Product and Services
—Contactless Magnetic Stripe Mobile (Technical Conditions)—
Authorization Requests.........................................................................................191
Table 0400605—Acquirer Credit and Debit—MSR Product and Services
—Contactless Magnetic Stripe (Token)—Authorization Requests...............196
Table 0400614—Acquirer Credit and Debit—MSR Product and Services
—Private Label Non-Financial Service—Authorization Requests.................197
Table 0400620—Acquirer Credit and Debit—MSR Product and Services
—Fleet Cards—Authorization Requests.............................................................198
Table 0400621—Acquirer Credit and Debit—MSR Product and Services
—Transit Program (Prefunded Model)—Authorization Requests.................200
Table 0400622—Acquirer Credit and Debit—MSR Product and Services
—Transit Program (Real-Time Authorized Model)—Authorization
Requests...................................................................................................................201

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 4
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Table 0400623—Acquirer Credit and Debit—MSR Product and Services

—Transit Program (Post-Authorized Aggregated Model)—Authorization
Requests...................................................................................................................203
Table 0400624—Acquirer Credit and Debit—MSR Product and Services
—Transit Program (Authorized Aggregated Split Clearing Model)—
Authorization Requests.........................................................................................205
Table 0400626—Acquirer Credit and Debit—MSR Product and Services
—Transit Program (Post-Authorized Aggregated Maestro Model)—
Authorization Requests.........................................................................................207
Table 0400633—Acquirer Credit and Debit—MSR Product and Services
—Electric Vehicle Charging—Authorization Requests.................................... 209
Table 0400645—Acquirer Credit and Debit—MSR Product and Services
—Automated Fuel Dispenser—Authorization Requests and Advices and
Reversals...................................................................................................................210
Table 0400703—Acquirer Credit and Debit—MSR Product and Services
—Cardholder Authentication (Poland)—Authorization Requests................ 217
Table 0400707—Acquirer Credit and Debit—MSR Product and Services
—Receipt Free Text (Peru)—Authorization Requests...................................... 219
Table 0400709—Acquirer Credit and Debit—MSR Product and Services
—Terminal Compliance Indicator (India)—Authorization Requests.............220
Table 0400715—Acquirer Credit and Debit—MSR Product and Services
—Transit Top-Up Payment Transactions (India)— Authorization
Requests...................................................................................................................221
Table 0400719—Acquirer Credit and Debit—MSR Product and Services
—PSD2 RTS Compliance (Europe Region)—Authorization Requests..........223
Table 0400801—Acquirer Credit and Debit—MSR Product and Services
—Address Verification Service—Authorization Requests...............................228
Table 0400803—Acquirer Credit and Debit—MSR Product and Services
—CVC 2—Authorization Requests.......................................................................233
Table 0400808—Acquirer Credit and Debit—MSR Product and Services
—Account Status Inquiry Service—Authorization Requests..........................235
Table 0400821—Acquirer Credit and Debit—MSR Product and Services
—MoneySend Payment Transactions—Authorization and Reversal
Requests...................................................................................................................238
Table 0400824—Acquirer Credit and Debit—MSR Product and Services
—Mobile Remote Payments Program—Authorization Requests..................242
Table 0400826—Acquirer Credit and Debit—MSR Product and Services
—Merchant Presented QR Payment Transactions—Authorization
Requests...................................................................................................................246
Table 0400827—Acquirer Credit and Debit—MSR Product and Services
—Merchant Presented QR Refund Payment Transactions—
Authorization Requests.........................................................................................251
Table 0400829—Acquirer Credit and Debit—MSR Product and Services
—Click to Pay—Authorization Requests.............................................................254

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 5
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Table 0400833—Acquirer Credit and Debit—MSR Product and Services

—MDES Device Tokens in DSRP, Identity Check, and Click to Pay—
Authorization Requests.........................................................................................256
Table 0400835—Acquirer Credit and Debit—MSR Product and Services
—MDES (Merchant Tokenization Program)—Authorization Requests....... 260
Table 0400836—Acquirer Credit and Debit—MSR Product and Services
—MDES Device Token Transactions Without UCAF Cryptogram—
Authorization Requests.........................................................................................268
Table 0400838—Acquirer Credit and Debit—MSR Product and Services
—MDES Static Token—Authorization Requests...............................................278
Table 0400839—Acquirer Credit and Debit—MSR Product and Services
—MDES (Remote Commerce Transactions)— Authorization Requests..... 279
Table 0400847—Acquirer Credit and Debit—MSR Product and Services
—3DS Non-Mastercard Cards—Authorization Requests...............................283
Table 0400860—Acquirer Credit and Debit—MSR Product and Services
—Mastercard Identity Check—Authorization Requests................................. 285
Table 0400890—Acquirer Credit and Debit—MSR Product and Services
—Pay By Account—Authorization Requests and Reversals........................... 288
Table 0400901—Acquirer Credit and Debit—MSR Product and Services
—Merchant Fraud Scoring (Brazil)—Authorization Requests.......................294
Table 0400902—Acquirer Credit and Debit—MSR Product and Services
—Combo Card (Brazil)—Authorization Requests............................................ 295
Table 0400903—Acquirer Credit and Debit—MSR Product and Services
—Flex Card Service (Brazil)—Authorization Requests....................................295
Table 0400925—Acquirer Credit and Debit—MSR Product and Services
—High-Risk Purchase Identifier—Authorization Requests.............................300
Table 0400930—Acquirer Credit and Debit—MSR Product and Services
—Meal Voucher Direct Settlement Indicator—Authorization Requests..... 301
Test Cases—ICC-based Operations............................................................................. 301
Base Testing................................................................................................................. 302
Table 0450001—Acquirer Credit and Debit—ICC Base—All Business
Transactions (ATM)—Authorization Requests and Reversals.......................303
Table 0450002—Acquirer Credit and Debit—ICC Base—All Business
Transactions (POS CP)—Authorization Requests and Reversals................ 306
Table 0450011—Acquirer Credit and Debit—ICC Base—Technical
Conditions—Authorization Requests..................................................................311
Table 0450017—Acquirer Credit and Debit—ICC Base—Transaction
Integrity Classification (U.S. Region)—Authorization Requests.................. 314
Products and Services................................................................................................316
Table 0450151—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (All Business Transactions)—Authorization
Requests...................................................................................................................318
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (Technical Conditions)—Authorization Requests...... 321

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 6
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Table 0450311—Acquirer Credit and Debit—ICC Product and Services—

PIN Management Service—Authorization Requests and Reversals............ 327
Table 0450316—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Cardless ATM Program—Authorization Requests.................... 331
Table 0450550—Acquirer Credit and Debit—ICC Product and Services—
Domestic Processing (Colombia)—Authorization Requests......................... 333
Table 0450621—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Prefunded Model)—Authorization Requests....................337
Table 0450622—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Real-Time Authorized Model)—Authorization
Requests...................................................................................................................339
Table 0450623—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Post-Authorized Aggregated Model)—Authorization
Requests...................................................................................................................342
Table 0450624—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Authorized Aggregated Split Clearing Model)—
Authorization Requests.........................................................................................347
Table 0450626—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Post-Authorized Aggregated Maestro Model)—
Authorization Requests and Advices and Reversals.......................................351
Table 0450627—Acquirer Credit and Debit—ICC Product and Services—
TSP Token (Transit)—Authorization Requests................................................. 356
Table 0450633—Acquirer Credit and Debit—ICC Product and Services—
Electric Vehicle Charging—Authorization Requests and Reversal
Requests...................................................................................................................357
Table 0450641—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Biometric Card Authentication—Authorization Requests
and Advices..............................................................................................................362
Table 0450645—Acquirer Credit and Debit—ICC Product and Services—
Automated Fuel Dispenser—Authorization Requests and Advices and
Reversals...................................................................................................................365
Table 0450715—Acquirer Credit and Debit—ICC Product and Services—
Transit Top-Up Payment Transactions (India)— Authorization Requests. 369
Table 0450719—Acquirer Credit and Debit—ICC Product and Services—
Single Tap and PIN Request (Europe Region)—Authorization Requests....370
Table 0450811—Acquirer Credit and Debit—ICC Product and Services—
Digital Secure Remote Payment—Authorization Requests.......................... 373
Table 0450890—Acquirer Credit and Debit—ICC Product and Services—
Pay By Account—Authorization Requests and Reversals.............................. 376
Table 0450903—Acquirer Credit and Debit—ICC Product and Services—
Flex Card Service (Brazil)—Authorization Requests.......................................381
Table 0451550—Acquirer Credit and Debit—ICC Product and Services—
Domestic Processing (Colombia)—Authorization Requests......................... 386

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 7
 Contents

Chapter 2: Dual Message Clearing...............................................................391

Introduction.......................................................................................................................395
TRIC Table Notations................................................................................................. 396
Test Cases—Magnetic Stripe-based Operations...................................................... 397
Customer-generated File.......................................................................................... 397
Base Testing................................................................................................................. 398
Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-
generated File—8-Digit BIN Standard and Account Range
Specifications..........................................................................................................399
Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-
generated File—All Business Transactions (ATM)........................................... 401
Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-
generated File—All Business Transactions (POS-CP).................................... 403
Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-
generated File—All Business Transactions (CNP)........................................... 407
Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-
generated File—Interchange Rate Programs................................................... 410
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-
generated File—Financial Detail Addendum.................................................... 413
Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-
generated File—Service Provider and Merchant Identification....................420
Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-
generated File—Global Brand Compliance.......................................................422
Products and Services................................................................................................423
Table 1410111—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Funding or Funding Refund Transactions.... 426
Table 1410112—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—MoneySend Payment Transactions............... 430
Table 1410121—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Dynamic Currency Conversion....................... 433
Table 1410411—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Installment Payment Service (Global)..........434
Table 1410415—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Mastercard rePower Load Value Payment
Transaction.............................................................................................................. 435
Table 1410417—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Transaction Integrity Classification (U.S.
Region)......................................................................................................................436
Table 1410424—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Multi-Clearing.................................................... 442
Table 1410451—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Private Label Processing..................................443

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 8
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Table 1410471—Acquirer Credit and Debit—MSR Product and Services

—Customer-generated File—Real-time Substantiation (U.S. Region)....... 444
Table 1410481—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Account Level Management (Europe
Region)......................................................................................................................446
Table 1410491—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Account Level Management (U.S. Region
Enhanced Value and/or Product Graduation)................................................. 447
Table 1410492—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Account Level Management (U.S. Region
World High Value and Product Graduation......................................................449
Table 1410493—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Account Level Management (U.S. Region
Spend Shortfall and Product Graduation)....................................................... 450
Table 1410494—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Account Level Management (U.S. Region
Small Business Spend and Product Graduation)............................................452
Table 1410499—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Account Level Management (Canada
Region)......................................................................................................................455
Table 1410501—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Installment and Non-installment Payment
Transactions (Brazil)..............................................................................................460
Table 1410508—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Installment Payment Service (Philippines).. 462
Table 1410515—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Domestic Processing (Japan).........................464
Table 1410545—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Domestic Processing (Paraguay)...................465
Table 1410546—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Domestic Processing (Paraguay)...................474
Table 1410550—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Domestic Processing (Colombia)...................482
Table 1410560—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Domestic Processing (Chile)........................... 486
Table 1410601—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Contactless Magnetic Stripe (All Business
Transactions)...........................................................................................................491
Table 1410620—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Fleet Cards..........................................................493
Table 1410621—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Transit Program (Prefunded Model)............. 494
Table 1410622—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Transit Program (Real-Time Authorized
Model).......................................................................................................................495

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 9
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Table 1410623—Acquirer Credit and Debit—MSR Product and Services

—Customer-generated File—Transit Program (Post-Authorized
Aggregated Model)................................................................................................497
Table 1410624—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Transit Program (Authorized Aggregated
Split Clearing Model).............................................................................................499
Table 1410626—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Transit Program (Post-Authorized
Aggregated Maestro Model)............................................................................... 501
Table 1410806—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Mastercard Identity Check.............................. 503
Table 1410824—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Mobile Remote Payments Program.............. 504
Table 1410829—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Click to Pay......................................................... 506
Table 1410833—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—MDES Device Tokens in DSRP, Identity
Check, and Click to Pay.........................................................................................507
Table 1410903—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Flex Card Service (Brazil)................................ 507
Table 1413535—Acquirer Credit and Debit—MSR Product and Services
—Customer-generated File—Merchant Presented QR Payment Refund
Transactions............................................................................................................ 509
File Generated by Mastercard..................................................................................509
Base Testing................................................................................................................. 510
Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated
by Mastercard—All Business Transactions........................................................511
Products and Services................................................................................................512
Table 1420826—Acquirer Credit and Debit—MSR Product and Services
—File Generated by Mastercard—Merchant Presented QR Payment
Transactions............................................................................................................ 515
Table 1420890—Acquirer Credit and Debit—MSR Product and Services
—File Generated by Mastercard—Pay By Account..........................................518
Test Cases—ICC-based Operations............................................................................. 518
Customer-generated File.......................................................................................... 518
Base Testing................................................................................................................. 519
Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-
generated File—All Business Transactions (ATM)........................................... 520
Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-
generated File—All Business Transactions (POS-CP).................................... 521
Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—
Customer-generated File—Global Brand Compliance...................................524
Products and Services................................................................................................525

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 10
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Table 1430316—Acquirer Credit and Debit—ICC Product and Services—

Customer-generated File—Mastercard Cardless ATM Program................. 526
Table 1430417—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transaction Integrity Class (U.S. Region)........527
Table 1430601—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Contactless M/Chip (All Business
Transactions)...........................................................................................................529
Table 1430621—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Prefunded Model).................531
Table 1430622—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Real-Time Authorized
Model).......................................................................................................................532
Table 1430623—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Post-Authorized
Aggregated Model)................................................................................................534
Table 1430624—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Authorized Aggregated
Split Clearing Model).............................................................................................539
Table 1430626—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Post-Authorized
Aggregated Maestro Model)............................................................................... 541
Table 1430715—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Top-Up Payment Transactions
(India)........................................................................................................................542
Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-
Debit—ICC Product and Services—Customer-generated File—Flex Card
Service (Brazil)........................................................................................................543
File Generated by Mastercard..................................................................................546
Base Testing................................................................................................................. 546
Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated
by Mastercard—All Business Transactions........................................................547

Chapter 3: Dual Message Integrated Authorization and

Clearing—Acquirer Credit and Debit........................................................... 549
Introduction.......................................................................................................................550
TRIC Table Notations................................................................................................. 550
Test Cases—Acquirer Credit and Debit....................................................................... 551
Table 2400001—Acquirer Credit and Debit—Base Testing (ATM).................... 552
Message Flows—Acquirer Credit and Debit—Mandatory Business
Transactions (ATM)..........................................................................................................554
Table 2550001—Acquirer Credit and Debit—Base Testing (POS CP)..............555
Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory
Business Transactions (POS CP)............................................................................. 557

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 11
 Contents

Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)...........560

Table 2650101—Acquirer Credit and Debit—Test Procedures—Mandatory
Business Transactions (POS CNP).......................................................................... 566

Chapter 4: Single Message Authorization............................................... 569

Introduction.......................................................................................................................574
TRIC Table Notations................................................................................................. 574
Test Cases—Magnetic Stripe-based Operations...................................................... 575
Base Testing................................................................................................................. 575
Table 3000000—Acquirer Credit and Debit—MSR Base—8-Digit BIN
Standard and Account Range Specifications—Financial Transaction
Requests and Reversals.........................................................................................577
Table 3000001—Acquirer Credit and Debit—MSR Base—All Business
Transactions (ATM)—Financial Transaction Requests and Reversals.........579
Table 3000002—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS CP)—Financial Transaction Requests, Advice and
Reversal.................................................................................................................... 581
Table 3000003—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS CNP)—Financial Transaction Requests, Advice and
Reversal.................................................................................................................... 584
Table 3000005—Acquirer Credit and Debit—MSR Base—Selected Data
Conditions—Financial Transaction Requests................................................... 589
Table 3000009—Acquirer Credit and Debit—MSR Base—Response
Codes—Financial Transaction Requests............................................................591
Table 3000011—Acquirer Credit and Debit—MSR Base—Additional
Merchant Data—Financial Transaction Requests........................................... 593
Table 3000016—Acquirer Credit and Debit—MSR Base—Payment
Account Reference (PAR)—Financial Transaction Requests and Advices
and Reversals...........................................................................................................595
Programs and Services Testing................................................................................600
Table 3000101—Acquirer Credit and Debit—MSR Product and Services
—Private Data—Financial Transaction Requests.............................................604
Table 3000111—Acquirer Credit and Debit—MSR Product and Services
—Funding and Funding Refund Transactions—Financial Transaction
Requests and Reversals.........................................................................................606
Table 3000115—Acquirer Credit and Debit—MSR Product and Services
—Mastercard rePower Load Value Payment Transaction—Financial
Transaction Requests and Reversals..................................................................609
Table 3000121—Acquirer Credit and Debit—MSR Product and Services
—Dynamic Currency Conversion-Financial Transaction Requests.............. 611
Table 3000126—Acquirer Credit and Debit—MSR Product and Services
—Fraud Notification Service—Financial Transaction Requests, Advices
and Reversals...........................................................................................................614

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 12
 Contents

Table 3000190—Acquirer Credit and Debit—MSR Product and Services

—Gambling Transactions and Gaming Payment Transactions—
Financial Transaction Requests...........................................................................615
Table 3000301—Acquirer Credit and Debit—MSR Product and Services
—ATM Deposit Sharing—Financial Transaction Requests and Reversals...617
Table 3000306—Acquirer Credit and Debit—MSR Product and Services
—DE 28 Transaction Fee—Financial Transaction Requests and Reversals 619
Table 3000311—Acquirer Credit and Debit—MSR Product and Services
—Funding Transactions at the ATM—Financial Transaction Requests
and Reversals...........................................................................................................620
Table 3000314—Acquirer Credit and Debit—MSR Product and Services
—Mastercard ATM Cash Pick Up Service—Financial Transaction Request621
Table 3000316—Acquirer Credit and Debit—MSR Product and Services
—ATM Credit Card Cash Advance Installments Service—Financial
Transaction Requests............................................................................................ 622
Table 3000321—Acquirer Credit and Debit—MSR Product and Services
—PIN Management Service—Financial Transaction Requests and
Reversals...................................................................................................................625
Table 3000411—Acquirer Credit and Debit—MSR Product and Services
—Enhanced Issuer Identification—Financial Transaction Requests,
Advices and Reversals............................................................................................626
Table 3000435—Acquirer Credit and Debit—MSR Product and Services
—Merchant Presented QR Funding Transactions—Financial Transaction
Requests...................................................................................................................628
Table 3000444—Acquirer Credit and Debit—MSR Product and Services
—Maestro Switching of Visa Tokenized Transactions—Financial
Transaction Requests and Advices and Reversals...........................................630
Table 3000461—Acquirer Credit and Debit—MSR Product and Services
—Partial Approval—Financial Transaction Request and Advice and
Reversal.................................................................................................................... 632
Table 3000471—Acquirer Credit and Debit—MSR Product and Services
—Real-time Substantiation (U.S. Region)—Financial Transaction
Requests...................................................................................................................635
Table 3000505—Acquirer Credit and Debit—MSR Product and Services
—Merchant Tax ID (Brazil)—Financial Transaction Requests....................... 639
Table 3000545—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing (Paraguay)—Financial Transaction Requests........ 640
Table 3000550—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing (Colombia)—Financial Transaction Requests
and Reversal............................................................................................................ 645
Table 3000560—Acquirer Credit and Debit—MSR Product and Services
—Domestic Processing (Chile)—Financial Transaction Requests.................650
Table 3000601—Acquirer Credit and Debit—MSR Product and Services
—Contactless Magnetic Stripe (All Business Transactions)—Financial
Transaction Requests............................................................................................ 654

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 13
 Contents

Table 3000602—Acquirer Credit and Debit—MSR Product and Services

—Contactless Magnetic Stripe (Technical Conditions)—Financial
Transaction Requests and Reversal....................................................................656
Table 3000621—Acquirer Credit and Debit—MSR Product and Services
—Transit Program (Prefunded Model)—Financial Transaction Requests...660
Table 3000622—Acquirer Credit and Debit—MSR Product and Services
—Transit Program (Real-Time Authorized Model)—Financial
Transaction Requests............................................................................................ 661
Table 3000626—Acquirer Credit and Debit—MSR Product and Services
—Transit Program (Post-Authorized Aggregated Maestro Model)—
Financial Transaction Requests...........................................................................663
Table 3000633—Acquirer Credit and Debit—MSR Product and Services
—Electric Vehicle Charging—Financial Transaction Requests...................... 665
Table 3000645—Acquirer Credit and Debit—MSR Product and Services
—Automated Fuel Dispenser—Financial Transaction Requests and
Reversals...................................................................................................................666
Table 3000709—Acquirer Credit and Debit—MSR Product and Services
—Terminal Compliance Indicator (India)—Financial Transaction
Requests...................................................................................................................672
Table 3000808—Acquirer Credit and Debit—MSR Product and Services
—Account Status Inquiry Service—Financial Transaction Requests............673
Table 3000821—Acquirer Credit and Debit—MSR Product and Services
—MoneySend Payment Transactions—Financial Transaction Requests
and Reversals...........................................................................................................675
Table 3000824—Acquirer Credit and Debit—MSR Product and Services
—Mobile Remote Payments Program—Financial Transaction Requests
and Reversals...........................................................................................................678
Table 3000826—Acquirer Credit and Debit—MSR Product and Services
—Merchant Presented QR Payment Transactions—Financial
Transaction Requests............................................................................................ 682
Table 3000827—Acquirer Credit and Debit—MSR Product and Services
—Merchant Presented QR Refund Payment Transactions—Financial
Transaction Requests............................................................................................ 687
Table 3000829—Acquirer Credit and Debit—MSR Product and Services
—Click to Pay—Financial Transaction Requests...............................................690
Table 3000833—Acquirer Credit and Debit—MSR Product and Services
—MDES Device Tokens in DSRP, Identity Check, and Click to Pay—
Financial Transaction Requests...........................................................................692
Table 3000835—Acquirer Credit and Debit—MSR Product and Services
—MDES (Merchant Tokenization Program)—Financial Transaction
Requests...................................................................................................................696
Table 3000836—Acquirer Credit and Debit—MSR Product and Services
—MDES Device Token Transactions Without UCAF Cryptogram—
Financial Transaction Requests...........................................................................699

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 14
 Contents

Table 3000838—Acquirer Credit and Debit—MSR Product and Services

—MDES Static Token—Financial Transaction Requests.................................709
Table 3000839—Acquirer Credit and Debit—MSR Product and Services
—MDES (Remote Commerce Transactions)—Financial Transaction
Requests...................................................................................................................710
Table 3000860—Acquirer Credit and Debit—MSR Product and Services
—Mastercard Identity Check—Financial Transaction Requests................... 714
Table 3000901—Acquirer Credit and Debit—MSR Product and Services
—Merchant Fraud Scoring (Brazil)—Financial Transaction Requests.........717
Table 3000925—Acquirer Credit and Debit—MSR Product and Services
—High-Risk Purchase Identifier—Financial Transaction Rerquests............. 718
Test Cases—ICC-based Operations............................................................................. 718
Base Testing................................................................................................................. 719
Table 3050001—Acquirer Credit and Debit—ICC Base—All Business
Transactions (ATM)—Financial Transaction Requests................................... 720
Table 3050002—Acquirer Credit and Debit—ICC Base—All Business
Transactions (POS)—Financial Transaction Requests................................... 721
Table 3050011—Acquirer Credit and Debit—ICC Base—Technical
Conditions—Financial Transaction Requests................................................... 723
Authorization M/Chip-specific General Acceptance Criteria............................726
Programs and Services Testing................................................................................728
Table 3050151—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (All Business Transactions)— Financial Transaction
Requests...................................................................................................................728
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (Technical Conditions)—Financial Transaction
Requests...................................................................................................................733
Table 3050311—Acquirer Credit and Debit—ICC Product and Services—
PIN Management Service—Financial Transaction Requests........................ 741
Table 3050316—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Cardless ATM Program—Financial Transaction Requests...... 744
Table 3050621—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Prefunded Model)—Financial Transaction Requests......746
Table 3050622—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Real-time Authorized Model)—Financial Transaction
Requests...................................................................................................................748
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—
Transit Program (Post-Authorized Aggregated Maestro Model)—
Financial Transaction Requests and Advices and Reversals......................... 751
Table 3050633—Acquirer Credit and Debit—ICC Product and Services—
Electric Vehicle Charging—Financial Transaction Requests and Reversal
Advices......................................................................................................................756

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 15
 Contents

Table 3050645—Acquirer Credit and Debit—ICC Product and Services—

Automated Fuel Dispenser—Financial Transaction Requests and
Reversals...................................................................................................................761
Table 3050660—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Biometric Card Authentication—Financial Transaction
Requests and Advices............................................................................................764
Table 3050715—Acquirer Credit and Debit—ICC Product and Services—
Transit Top-Up Payment Transactions (India)—Financial Transaction
Requests...................................................................................................................767
Table 3050811—Acquirer Credit and Debit—ICC Product and Services—
Digital Secure Remote Payment—Financial Transaction Requests............ 768

Notices......................................................................................................................... 0

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 16
 Summary of Changes 11 February 2021

Summary of Changes 11 February 2021

This document reflects the following changes associated since its 06 August 2020
release, and additional changes on 15 September 2020.

Description of Change Where to Look

Added Table 0400130—Acquirer Credit and Table 0400130—Acquirer Credit and Debit—
Debit—MSR Product and Services— MSR Product and Services—Unsolicited
Unsolicited Balance Responses— Balance Responses—Authorization
Authorization Requests Requests
Added Table 0400838—Acquirer Credit and Table 0400838—Acquirer Credit and Debit—
Debit—MSR Product and Services—MDES MSR Product and Services—MDES Static
Static Token—Authorization Requests Token—Authorization Requests
Added Table 0400839—Acquirer Credit and Table 0400839—Acquirer Credit and Debit—
Debit—MSR Product and Services—MDES MSR Product and Services—MDES (Remote
(Remote Commerce Transactions)— Commerce Transactions)— Authorization
Authorization Requests Requests
Added Table 0400903—Acquirer Credit and Table 0400903—Acquirer Credit and Debit—
Debit—MSR Product and Services—Flex Card MSR Product and Services—Flex Card
Service (Brazil)—Authorization Requests Service (Brazil)—Authorization Requests
Added Table 0450903—Acquirer Credit and Table 0450903—Acquirer Credit and Debit—
Debit—ICC Product and Services—Flex Card ICC Product and Services—Flex Card
Service (Brazil)—Authorization Requests Service (Brazil)—Authorization Requests
Added Table 1410903—Acquirer Credit and Table 1410903—Acquirer Credit and Debit—
Debit—MSR Product and Services— MSR Product and Services—Customer-
Customer-generated File—Flex Card Service generated File—Flex Card Service (Brazil)
(Brazil)
Added Table 1430903—Acquirer Manual/ Table 1430903—Acquirer Manual/Voice/
Voice/MOTO/E-Commerce Credit-Debit— MOTO/E-Commerce Credit-Debit—ICC
ICC Product and Services—Customer- Product and Services—Customer-generated
generated File—Flex Card Service (Brazil) File—Flex Card Service (Brazil)
Added Table 3000838—Acquirer Credit and Table 3000838—Acquirer Credit and Debit—
Debit—MSR Product and Services—MDES MSR Product and Services—MDES Static
Static Token—Financial Transaction Token—Financial Transaction Requests
Requests
Added Table 3000839—Acquirer Credit and Table 3000839—Acquirer Credit and Debit—
Debit—MSR Product and Services—MDES MSR Product and Services—MDES (Remote
(Remote Commerce Transactions)— Commerce Transactions)—Financial
Financial Transaction Requests Transaction Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 17
 Summary of Changes 11 February 2021

Description of Change Where to Look

Removed Table 0400611—Acquirer Credit
and Debit—MSR Product and Services—
Activation of Private Label Prepaid Cards—
Authorization Requests and Reversals
Removed Table 1410531—Acquirer Credit
and Debit—MSR Product and Services—
Customer-generated File—Private Label
Card Activation Plus Initial Load

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 18
 Dual Message Authorization

Chapter 1 Dual Message Authorization

This chapter describes the test cases for conducting individual application testing and
validation of a customer's Dual Message authorization application.

Introduction.......................................................................................................................................25
TRIC Table Notations................................................................................................................. 26
Test Cases—Magnetic Stripe-based Operations...................................................................... 27
Base Testing................................................................................................................................. 27
Table 0400000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard
and Account Range Specifications—Authorization Requests and Reversals............29
Table 0400001—Acquirer Credit and Debit—MSR Base—All Business
Transactions (ATM)—Authorization Requests and Reversals.......................................31
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS-CP)—Authorization Requests, Advices and Reversals................34
Table 0400003—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS-CNP)—Authorization Requests, Advices and Reversals.............40
Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data
Conditions—Authorization Requests................................................................................. 45
Table 0400009—Acquirer Credit and Debit—MSR Base—Response Codes—
Authorization Requests........................................................................................................ 48
Table 0400011—Acquirer Credit and Debit—MSR Base—Additional Merchant
Data—Authorization Requests............................................................................................50
Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account
Reference (PAR)—Authorization Requests, Advices, Reversals....................................52
Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity
Classification (U.S. Region)—Authorization Requests................................................... 56
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level
Management (U.S. Region)—Authorization Requests................................................... 61
Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level
Management (Canada Region)—Authorization Requests............................................ 68
Table 0400493—Acquirer Credit and Debit—MSR Base—Account Level
Management (Europe Region)—Authorization Requests............................................. 72
Table 0400494—Acquirer Credit and Debit—MSR Base—Account Level
Management (Asia Pacific Region)—Authorization Requests..................................... 74
Products and Services................................................................................................................75
Table 0400101—Acquirer Credit and Debit—MSR Product and Services—
Private Data—Authorization Requests............................................................................. 80
Table 0400106—Acquirer Credit and Debit—MSR Product and Services—DE 28
Transaction Fee—Authorization Requests, Advices and Reversals............................. 82

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 19
 Dual Message Authorization

Table 0400111—Acquirer Credit and Debit—MSR Product and Services—

Funding Transactions—Authorization Requests and Reversals................................... 84
Table 0400115—Acquirer Credit and Debit—MSR Product and Services—
Mastercard rePower Load Value Payment Transaction—Authorization
Requests and Reversals........................................................................................................ 87
Table 0400121—Acquirer Credit and Debit—MSR Product and Services—
Dynamic Currency Conversion—Authorization Requests..............................................88
Table 0400130—Acquirer Credit and Debit—MSR Product and Services—
Unsolicited Balance Responses—Authorization Requests.............................................90
Table 0400190—Acquirer Credit and Debit—MSR Product and Services—
Gambling Transactions and Gaming Payment Transactions—Authorization
Requests...................................................................................................................................91
Table 0400321—Acquirer Credit and Debit—MSR Product and Services—PIN
Management Service—Authorization Requests and Reversal..................................... 93
Table 0400401—Acquirer Credit and Debit—MSR Product and Services—
Merchant Advice Code—Authorization Requests............................................................95
Table 0400411—Acquirer Credit and Debit—MSR Product and Services—
Installment Payment Service (Global)—Authorization Requests and Advices.........97
Table 0400435—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Funding Transactions—Authorization Requests..............103
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa
Card Transactions—Authorization and Reversal Requests.........................................105
Table 0400461—Acquirer Credit and Debit—MSR Product and Services—Partial
Approval—Authorization Request and Advice and Reversal.......................................115
Table 0400470—Acquirer Credit and Debit—MSR Product and Services—Debit
Mastercard Merchant Acceptance (Canada)-Authorization Requests................... 118
Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-
time Substantiation (U.S. Region)—Authorization and Reversal Requests............120
Table 0400501—Acquirer Credit and Debit—MSR Product and Services—
Parcelas Payment Transactions (Brazil)—Authorization Requests.......................... 125
Table 0400502—Acquirer Credit and Debit—MSR Product and Services—
Cuotas Payment Transactions (Argentina)—Authorization Requests.....................127
Table 0400503—Acquirer Credit and Debit—MSR Product and Services—
Cuotas Payment Transactions (Uruguay)—Authorization Requests....................... 129
Table 0400504—Acquirer Credit and Debit—MSR Product and Services—
Cuotas Payment Transactions (Peru)—Authorization Requests...............................131
Table 0400506—Acquirer Credit and Debit—MSR Product and Services—
Installment Payment Service (Greece)—Authorization Requests............................. 133
Table 0400508—Acquirer Credit and Debit—MSR Product and Services—
Installment Payment Service (Philippines)—Authorization and Reversal
Requests.................................................................................................................................136

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 20
 Dual Message Authorization

Table 0400515—Acquirer Credit and Debit—MSR Product and Services—

Domestic Processing (Japan)—Authorization Requests and Authorization
Advices....................................................................................................................................137
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Paraguay)—Authorization Requests.......................................141
Table 0400546—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Paraguay)—Authorization Requests.......................................148
Table 0400550—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Colombia)—Authorization Requests, Advice, and
Reversal..................................................................................................................................153
Table 0400555—Acquirer Credit and Debit—MSR Product and Services—
Domestic Authorization Switching Service (Sweden)—Authorization Requests
and Reversals........................................................................................................................158
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing Installments (Chile)—Authorization Requests....................... 159
Table 0400561—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing Non-Installments (Chile)—Authorization Requests.............. 179
Table 0400601—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (All Business Transactions)—Authorization
Requests.................................................................................................................................184
Table 0400602—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (Technical Conditions)—Authorization Requests.... 187
Table 0400603—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe Mobile (Technical Conditions)—Authorization
Requests.................................................................................................................................191
Table 0400605—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (Token)—Authorization Requests............................... 196
Table 0400614—Acquirer Credit and Debit—MSR Product and Services—
Private Label Non-Financial Service—Authorization Requests................................. 197
Table 0400620—Acquirer Credit and Debit—MSR Product and Services—Fleet
Cards—Authorization Requests........................................................................................198
Table 0400621—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Prefunded Model)—Authorization Requests............................................... 200
Table 0400622—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Real-Time Authorized Model)—Authorization Requests...........................201
Table 0400623—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Post-Authorized Aggregated Model)—Authorization Requests............. 203
Table 0400624—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Authorized Aggregated Split Clearing Model)—Authorization
Requests.................................................................................................................................205
Table 0400626—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Authorization
Requests.................................................................................................................................207

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 21
 Dual Message Authorization

Table 0400633—Acquirer Credit and Debit—MSR Product and Services—

Electric Vehicle Charging—Authorization Requests..................................................... 209
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—
Automated Fuel Dispenser—Authorization Requests and Advices and Reversals 210
Table 0400703—Acquirer Credit and Debit—MSR Product and Services—
Cardholder Authentication (Poland)—Authorization Requests.................................217
Table 0400707—Acquirer Credit and Debit—MSR Product and Services—
Receipt Free Text (Peru)—Authorization Requests.......................................................219
Table 0400709—Acquirer Credit and Debit—MSR Product and Services—
Terminal Compliance Indicator (India)—Authorization Requests............................. 220
Table 0400715—Acquirer Credit and Debit—MSR Product and Services—Transit
Top-Up Payment Transactions (India)— Authorization Requests.............................221
Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2
RTS Compliance (Europe Region)—Authorization Requests......................................223
Table 0400801—Acquirer Credit and Debit—MSR Product and Services—
Address Verification Service—Authorization Requests............................................... 228
Table 0400803—Acquirer Credit and Debit—MSR Product and Services—CVC 2
—Authorization Requests................................................................................................... 233
Table 0400808—Acquirer Credit and Debit—MSR Product and Services—
Account Status Inquiry Service—Authorization Requests.......................................... 235
Table 0400821—Acquirer Credit and Debit—MSR Product and Services—
MoneySend Payment Transactions—Authorization and Reversal Requests.......... 238
Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile
Remote Payments Program—Authorization Requests................................................242
Table 0400826—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Payment Transactions—Authorization Requests............ 246
Table 0400827—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Refund Payment Transactions—Authorization
Requests.................................................................................................................................251
Table 0400829—Acquirer Credit and Debit—MSR Product and Services—Click
to Pay—Authorization Requests....................................................................................... 254
Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES
Device Tokens in DSRP, Identity Check, and Click to Pay—Authorization
Requests.................................................................................................................................256
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES
(Merchant Tokenization Program)—Authorization Requests.....................................260
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES
Device Token Transactions Without UCAF Cryptogram—Authorization
Requests.................................................................................................................................268
Table 0400838—Acquirer Credit and Debit—MSR Product and Services—MDES
Static Token—Authorization Requests............................................................................ 278

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 22
 Dual Message Authorization

Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES

(Remote Commerce Transactions)— Authorization Requests.................................. 279
Table 0400847—Acquirer Credit and Debit—MSR Product and Services—3DS
Non-Mastercard Cards—Authorization Requests........................................................ 283
Table 0400860—Acquirer Credit and Debit—MSR Product and Services—
Mastercard Identity Check—Authorization Requests.................................................. 285
Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By
Account—Authorization Requests and Reversals......................................................... 288
Table 0400901—Acquirer Credit and Debit—MSR Product and Services—
Merchant Fraud Scoring (Brazil)—Authorization Requests....................................... 294
Table 0400902—Acquirer Credit and Debit—MSR Product and Services—
Combo Card (Brazil)—Authorization Requests.............................................................295
Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex
Card Service (Brazil)—Authorization Requests.............................................................295
Table 0400925—Acquirer Credit and Debit—MSR Product and Services—High-
Risk Purchase Identifier—Authorization Requests........................................................300
Table 0400930—Acquirer Credit and Debit—MSR Product and Services—Meal
Voucher Direct Settlement Indicator—Authorization Requests................................ 301
Test Cases—ICC-based Operations...........................................................................................301
Base Testing...............................................................................................................................302
Table 0450001—Acquirer Credit and Debit—ICC Base—All Business
Transactions (ATM)—Authorization Requests and Reversals.................................... 303
Table 0450002—Acquirer Credit and Debit—ICC Base—All Business
Transactions (POS CP)—Authorization Requests and Reversals..............................306
Table 0450011—Acquirer Credit and Debit—ICC Base—Technical Conditions—
Authorization Requests...................................................................................................... 311
Table 0450017—Acquirer Credit and Debit—ICC Base—Transaction Integrity
Classification (U.S. Region)—Authorization Requests.................................................314
Products and Services............................................................................................................. 316
Table 0450151—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (All Business Transactions)—Authorization Requests............318
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (Technical Conditions)—Authorization Requests....................321
Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN
Management Service—Authorization Requests and Reversals................................. 327
Table 0450316—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Cardless ATM Program—Authorization Requests..................................331
Table 0450550—Acquirer Credit and Debit—ICC Product and Services—
Domestic Processing (Colombia)—Authorization Requests.......................................333
Table 0450621—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Prefunded Model)—Authorization Requests............................................... 337

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 23
 Dual Message Authorization

Table 0450622—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Real-Time Authorized Model)—Authorization Requests...........................339
Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Post-Authorized Aggregated Model)—Authorization Requests............. 342
Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Authorized Aggregated Split Clearing Model)—Authorization
Requests.................................................................................................................................347
Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Authorization
Requests and Advices and Reversals...............................................................................351
Table 0450627—Acquirer Credit and Debit—ICC Product and Services—TSP
Token (Transit)—Authorization Requests....................................................................... 356
Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric
Vehicle Charging—Authorization Requests and Reversal Requests......................... 357
Table 0450641—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Biometric Card Authentication—Authorization Requests and
Advices....................................................................................................................................362
Table 0450645—Acquirer Credit and Debit—ICC Product and Services—
Automated Fuel Dispenser—Authorization Requests and Advices and Reversals 365
Table 0450715—Acquirer Credit and Debit—ICC Product and Services—Transit
Top-Up Payment Transactions (India)— Authorization Requests.............................369
Table 0450719—Acquirer Credit and Debit—ICC Product and Services—Single
Tap and PIN Request (Europe Region)—Authorization Requests..............................370
Table 0450811—Acquirer Credit and Debit—ICC Product and Services—Digital
Secure Remote Payment—Authorization Requests..................................................... 373
Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By
Account—Authorization Requests and Reversals......................................................... 376
Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex
Card Service (Brazil)—Authorization Requests.............................................................381
Table 0451550—Acquirer Credit and Debit—ICC Product and Services—
Domestic Processing (Colombia)—Authorization Requests.......................................386

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 24
 Dual Message Authorization
Introduction

Introduction
This chapter contains details about the test cases applicable to the Acquirer Credit
and Debit business profile during individual application testing and validation of a
customer's acquirer Dual Message authorization application.
Separate test cases are provided for magnetic stripe-based operations and for
upgrading to integrated circuit card (ICC)-based operations. Depending on the
nature of a customer's proposed operations, test cases must be selected as
follows:
• For customers undergoing testing and validation for magnetic stripe-based
operations only, the test cases described in the Test Cases—Magnetic Stripe-
based Operations section must be conducted.
• For customers undergoing testing and validation for both magnetic stripe-
based operations and ICC-based operations, the test cases described in both
the Test Cases—Magnetic Stripe-based Operations section and in the Test
Cases—ICC-based Operations section must be conducted.
• For customers that have been validated for magnetic stripe-based operations
and are now undergoing upgrade testing and validation to additionally conduct
ICC-based operations, only those test cases provided in the Test Cases—ICC-
based Operations section need be conducted.
Within the Test Cases—Magnetic Stripe-based Operations and the Test Cases—
ICC-based Operations sections, test cases are described for both contact
operations and contactless operations. Depending on the nature of a customer's
proposed operations, test cases must be selected as follows:
• Customers undergoing testing and validation only for contact operations should
conduct those test cases described for contact operations.
• Customers undergoing testing and validation for both contact operations and
contactless operations must conduct the test cases described for both contact
operations and contactless operations.
• Customers that have been validated for contact operations and are now
undergoing upgrade testing and validation to additionally conduct contactless
operations, should conduct those test cases described for contactless
operations.

NOTE:
If customers intend to support contactless magnetic stripe-based operations, they must
have been validated previously for contact magnetic stripe-based operations. If customers
intend to support contactless ICC-based operations, they must have been validated
previously for upgrade to contact ICC-based operations.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 25
 Dual Message Authorization
TRIC Table Notations

The following manuals in the Testing Reference Information Center (TRIC)

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

TRIC Table Notations

This table defines notations that appear in tables throughout this chapter.

TRIC Table Notations

Notation Definition
M Indicates a Mandatory business transaction.

C Indicates a Conditional business transaction.

Where it appears in a DE 52 column, indicates a Valid PIN value.

V Where is appears in an RC column, indicates any valid response or any
specified response provided.

IV Where it appears in a DE 52 column, indicates an Invalid PIN value.

Indicates a blank space when used in DE 48, subelement 71 fourth

b
position.

n/a Indicates Not Applicable.

x For addenda messages, indicates No Information.

* Where it appears in a DE column, indicates a 1 character field of

(Single asterisk) customer choice.

** Where it appears in a DE column, indicates a 2 character field of

(Double asterisk) customer choice.

Where it appears in a SIM or MTF column, indicates testing is

1
recommended for that environment.

Where it appears in a SIM or MTF column, indicates testing is available

0
for that environment.

Where it appears in a column in an integrated Dual and Single Message

— testing table, indicates that customers do not have to send, or will not
receive, any messages normally indicated in that column.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 26
 Dual Message Authorization
Test Cases—Magnetic Stripe-based Operations

Test Cases—Magnetic Stripe-based Operations

The test cases listed in this section are applicable to magnetic stripe-based
operations only. Both contact magnetic stripe-based operations and contactless
magnetic stripe-based operations are addressed. Select the appropriate business
transactions from the following tables and conduct the associated test cases.
• Base Testing
• Products and Services

Base Testing
The following test cases in this section test whether a customer's acquirer Dual
Message application can send correctly formatted Authorization Requests and

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 27
 Dual Message Authorization
Base Testing

process the resulting Authorization Responses when presented with the required
basic functions.

NOTE: Acquirers may optionally submit ATM transactions with online PIN as CAT level 1 or
CAT level 0.

• Table 0400000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard

and Account Range Specifications—Authorization Requests and Reversals
• Table 0400001—Acquirer Credit and Debit—MSR Base—All Business Transactions
(ATM)—Authorization Requests and Reversals
• Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions
(POS-CP)—Authorization Requests, Advices and Reversals
• Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions
(POS-CNP)—Authorization Requests, Advices and Reversals
• Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data
Conditions—Authorization Requests
• Table 0400009—Acquirer Credit and Debit—MSR Base—Response Codes—
Authorization Requests
• Table 0400011—Acquirer Credit and Debit—MSR Base—Additional Merchant
Data—Authorization Requests
• Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account
Reference (PAR)—Authorization Requests, Advices, Reversals
• Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity
Classification (U.S. Region)—Authorization Requests
• Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level
Management (U.S. Region)—Authorization Requests
• Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level
Management (Canada Region)—Authorization Requests
• Table 0400493—Acquirer Credit and Debit—MSR Base—Account Level
Management (Europe Region)—Authorization Requests
• Table 0400494—Acquirer Credit and Debit—MSR Base—Account Level
Management (Asia Pacific Region)—Authorization Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 28
 Dual Message Authorization
Table 0400000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and Account Range
Specifications—Authorization Requests and Reversals

Table 0400000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and

Account Range Specifications—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can successfully submit Authorization messages for test
accounts within 11-digit account ranges that have been segmented within an 8-
digit BIN.
The criteria for success is acceptance of the transaction by the Mastercard
Network for routing to issuer of the PAN as well as routing of domestic and/or on-
us transactions that are not sent to the MasterCard network.

NOTE: The Mastercard provided test 11-digit account ranges that have been segmented
within an 8-digit BIN are a representative mix of issuers, countries, currencies, brand/
products, consumer/commercial product types, and credit/debit/prepaid product
categories.

Table 0400000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and

Account Range Specifications—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR OR CNP
BUSINESS
TRANSACTION
AND CVM OF
010 0400000000 CUSTOMER
0 01 1 0 CHOICE ** ** * * ???_811 00

1 040
0 1 0 DE 39 = ** 00
This test case applies to all acquirers routing domestic and international
Mastercard branded transactions to the Mastercard Network. Acquirers may
submit a variety of authorization business transactions for various 11-digit
account ranges that have been segmented within an 8-digit BIN for routing to
Mastercard Network.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 29
 Dual Message Authorization
Table 0400000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and Account Range
Specifications—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR OR CNP
BUSINESS
TRANSACTION
AND CVM OF
010 0400000000 CUSTOMER
0 02 1 0 CHOICE ** ** * * ???_811 00
040
2 0 1 0 DE 39 = ** 00
This test case only applies to acquirers routing domestic and/or on-us
Mastercard branded transactions directly to issuers or their issuing processor.
Acquirers may submit a variety of authorization business transactions for
various 11-digit account ranges that have been segmented within an 8-digit
BIN for routing directly to issuers or their issuing processor. Acquirers should
confirm proper routing of the domestic and/or on-us issuer authorization
transactions.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 30
 Dual Message Authorization
Table 0400001—Acquirer Credit and Debit—MSR Base—All Business Transactions (ATM)—
Authorization Requests and Reversals

Table 0400001—Acquirer Credit and Debit—MSR Base—All Business Transactions

(ATM)—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and Reversals for different ATM business transactions containing various
combinations of PAN entry mode, transaction type, cardholder activated terminal
level, and cardholder verification method and process the resulting approved
Authorization Responses.

Table 0400001—Acquirer Credit and Debit—MSR Base—All Business Transactions

(ATM)—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
6-087
DMC_00
MSR ATM 1
010 0400001000 WITHDRAWAL MSI_001
1 0 01 1 1 ONLINE PIN 01 90 * V CIR_001 00
ATM withdrawal transaction indicated by DE 3, SF 1 = 01; DE 18 = 6011; and
DE 48tcc =Z
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)

MCS_08
6,000
DMC_00
1,000
MSR ATM MSI_001,
BALANCE 000
010 0400001000 INQUIRY CIR_001,
0 02 1 1 ONLINE PIN 30 90 * V 000 V
2
ATM balance inquiry transaction indicated by DE 3, SF 1 = 30; DE 18 = 6011;
and DE 48tcc = Z
Normal Authorization indicated by DE 48, SE 61, SF 5 = 0 (Normal
Authorization/Undefined Finality) or not present and DE 61, SF 7 = 0 (Normal
request)
0110: DE 39 = 00 if using 001 and 086 test cards and DE 39 = 85 if using 000
test cards

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 31
 Dual Message Authorization
Table 0400001—Acquirer Credit and Debit—MSR Base—All Business Transactions (ATM)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
6-087
DMC_00
MSR ATM 1
010 0400001000 PURCHASE MSI_001
0 03 1 1 ONLINE PIN 00 90 * V CIR_001 00
ATM purchase transaction indicated by DE 3, SF 1 = 00; DE 18 contains
applicable value; and DE 48tcc contains applicable value.
3
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)

NOTE: For Mobile Phone Top-up include DE 48, SE 13 (Mobile Phone Top-up
Request Data) and DE 12, 13, 43 and 52 are mandatory

NOTE: For Bill Payment DE 124 containing bill payment information may
optionally be provided

MSR
ELECTRONIC
CASH
010 0400001000 ADVANCE MSI_001
0 04 1 1 ONLINE PIN 01 90 0 V CIR_001 00
4
Electronic cash advance indicated by DE 18 = 6010 (Manual Cash
Disbursement); and DE 48tcc = C
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 32
 Dual Message Authorization
Table 0400001—Acquirer Credit and Debit—MSR Base—All Business Transactions (ATM)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
6-087
DMC_00
MSR ATM 1
010 0400001000 WITHDRAWAL MSI_001
0 11 1 1 ONLINE PIN 01 90 * V CIR_001 00
040
5 0 1 1 DE 39 = ** 00
ATM withdrawal transaction indicated by DE 3, SF 1 = 01; DE 18 = 6011; and
DE 48tcc = Z
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)
0400: Full or partial reversal and DE 39 applicable Response Code of customer
choice

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 33
 Dual Message Authorization
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CP)—
Authorization Requests, Advices and Reversals

Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS-CP)—Authorization Requests, Advices and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests,
Advices and Reversals for different POS card present (CP) business transactions
containing various combinations of PAN entry mode, transaction type, cardholder
activated terminal level, and cardholder verification method and process the
resulting approved Authorization Responses.

Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS-CP)—Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
MANUAL DMC_00
1 ENTRY 1
010 0400002000 PURCHASE PVL_101
0 01 1 1 SIGNATURE 00 01 0 PVC_101 00

MCS_00
1
DMC_00
2 1
MSR MSI_001
010 0400002000 PURCHASE PVL_101
0 02 1 1 SIGNATURE 00 90 0 PVC_101 00

MCS_08
6
DMC_08
3 MSR 6
010 0400002000 PURCHASE MSI_001
0 03 1 1 ONLINE PIN 00 90 0 V PVC_101 00

MCS_08
6
MSR CAT DMC_08
4 LEVEL 1 6
010 0400002000 PURCHASE MSI_001
0 04 1 1 ONLINE PIN 00 90 1 V PVC_101 00

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 34
 Dual Message Authorization
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
DMC_00
5 MSR CAT 1
LEVEL 2 MSI_001
010 0400002000 PURCHASE NO PVL_101
0 05 1 1 CVM 00 90 2 PVC_101 00

MCS_00
MSR CAT 1
6 LEVEL 4 DMC_00
010 0400002000 PURCHASE NO 1
0 06 1 1 CVM 00 90 4 PVL_101 00

MCS_00
MSR CAT 1
7 LEVEL 7 DMC_00
010 0400002000 PURCHASE NO 1
0 07 1 1 CVM 00 90 7 PVL_101 00

MCS_00
MSR CAT 1
LEVEL 9 DMC_00
PURCHASE 1
CVM OF MSI_001
010 0400002000 CUSTOMER PVL_101
8 0 08 1 1 CHOICE 00 90 9 * PVC_101 00
DE 22, SF 2 (POS Terminal PIN Entry Mode) applicable value of customer
choice
DE 48, SE 21 (Acceptance Data), SF 1 (mPOS Acceptance Device Type)
applicable value of customer choice

MCS_00
1
MANUAL DMC_00
ENTRY 1
PAYMENT MSI_001
9
010 0400002000 TRANSACTION PVL_101
0 09 1 1 NO CVM 28 01 0 PVC_101 00
DE 48tcc = P and DE 48, SE 77 (Transaction Type Identifier) value of customer
choice (excluding MoneySend types)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 35
 Dual Message Authorization
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MPP_001
,003
MSR POS MSI_005,
BALANCE 085
010 0400002000 INQUIRY PVL_101
10 0 10 1 1 SIGNATURE 30 90 0 PVC_101 V
0110: DE 54, SF 2 = 02 (Available Balance)
0110: DE 39 = 00 (Approved) or 85 (Not declined) depending upon chosen
Card ID

MSR POS MPP_001

BALANCE ,003
010 0400002000 INQUIRY MSI_005,
0 11 1 N/A ONLINE PIN 30 90 0 V 085 V
11
0110: DE 54, SF 2 = 02 (Available Balance)
0110: DE 39 = 00 (Approved) or 85 (Not declined) depending upon chosen
Card ID

MSR MCS_00
PURCHASE 1
12 WITH CASH DMC_00
010 0400002000 BACK 1
0 12 1 1 SIGNATURE 09 90 0 MSI_001 00

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 36
 Dual Message Authorization
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
PURCHASE
WITH CASH DMC_01
010 0400002000 BACK 7
0 13 1 1 SIGNATURE 09 01 0 MSI_017 87
040
0 1 1 DE 39 = 17 00
Merchant terminal supports receipt of purchase only approvals and issuer
approves purchase only.
13
0100: DE 4 (Amount, Transaction) = 000000008754
0100: DE 48, SE 61, SF 2 = 1 (Merchant terminal supports receipt of purchase
only approvals)
0100: DE 54, SF 2 = 40 (Amount cash back) and SF 4 (Cash back amount) =
000000005000
0110: DE 4 (Amount, Transaction) = 000000003754 as the approved amount
0110: DE 54, SF 2 = 57 (Original amount) and SF 4 = 000000008754 the
original DE 4 amount from the 0100 request
0400: Full reversal of approved amount for customer cancellation

MSR
PURCHASE
14 WITH CASH DMC_08
010 0400002000 BACK ONLINE 6
0 14 1 1 PIN 09 90 0 V MSI_001 00

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 37
 Dual Message Authorization
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
DMC_00
1
MSI_001
010 0400002000 MSR REFUND PVL_101
0 15 1 1 SIGNATURE 20 90 0 PVC_101 00
All merchants except airlines (card acceptor business codes [MCCs] 3000—
15 3350 and MCC 4511) must initiate an online authorization request for each
refund transaction conducted on or after 17 April 2020. Prior to that date, a
merchant may initiate a refund transaction authorization request at its
option. An acquirer must also ensure that if a merchant has chosen to submit
refund transaction authorization requests for any payment card type, the
merchant supports refund authorizations for any MasterCard form of
payment accepted.
Mastercard recommends providing DE 48, SE 63 (Trace ID) to assist issuer in
linking refund to a prior purchase.

MCS_00
1
MANUAL DMC_00
16 ENTRY 1
010 0400002000 REFUND PVL_101
0 16 1 1 SIGNATURE 20 01 0 PVC_101 00

010 0400002000 MSR REFUND

17 0 17 1 1 ONLINE PIN 20 90 0 V MSI_001 00

MSR CASH DMC_00

010 0400002000 BACK ONLY 1
0 18 1 1 SIGNATURE 09 90 0 MSI_001 00
18 Intracountry POS cash back only transaction where allowed by Mastercard.
DE 4 (Amount Transaction) equals DE 54, SF 4 (Amount) for SF 2 (Amount
Type) = 40 (Amount Cash Back).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 38
 Dual Message Authorization
Table 0400002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
POS CP 1
BUSINESS DMC_00
TRANSACTION 1
AND CVM OF MSI_001
012 0400002000 CUSTOMER PVL_101
0 31 1 1 CHOICE ** ** * * PVC_101 00
19
Acquirer host X-Code processing due to acquirer host cannot communicate
with the acquirer MIP. Acquirer subsequently sends advice to notify the issuer
of the approved authorization based on the previously stated rules for X-Code
processing.
0120: DE 39 = 00 (Approved) and DE 60, SF 1 = 190 (Acquirer Processing
System (APS) Approved)

MCS_00
POS CP 1
BUSINESS DMC_00
TRANSACTION 1
AND CVM OF MSI_001
010 0400002000 CUSTOMER PVL_101
20 0 32 1 1 CHOICE ** ** * * PVC_101 00
040
0 1 1 DE 39 = ** 00
0400: Full or partial reversal and DE 39 applicable Response Code of customer
choice

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 39
 Dual Message Authorization
Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CNP)—
Authorization Requests, Advices and Reversals

Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS-CNP)—Authorization Requests, Advices and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests,
Advices and Reversals for different POS card not present (CNP) business
transactions containing various combinations of PAN entry mode, transaction
type, cardholder activated terminal level, and cardholder verification method and
process the resulting approved Authorization Responses.

Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS-CNP)—Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
DMC_00
1 1
MAIL ORDER MSI_001
010 0400003000 PURCHASE NO PVL_101
0 01 1 1 CVM 00 01 0 PVC_101 00

MCS_00
1
DMC_00
2 TELEPHONE 1
ORDER MSI_001
010 0400003000 PURCHASE NO PVL_101
0 02 1 1 CVM 00 01 0 PVC_101 00

MCS_00
1
DMC_00
3 ELECTRONIC 1
COMMERCE MSI_001
010 0400003000 PURCHASE NO PVL_101
0 03 1 1 CVM 00 81 6 PVC_101 00

MCS_00
1
ELECTRONIC DMC_00
4 COMMERCE 1
SERVER MSI_001
010 0400003000 PURCHASE NO PVL_101
0 04 1 1 CVM 00 82 6 PVC_101 00

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 40
 Dual Message Authorization
Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CNP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
5 COMMERCE DMC_00
010 0400003000 PURCHASE 1
0 05 1 1 OFFLINE PIN 00 81 6 MSI_001 00

MCS_00
ELECTRONIC 1
6 COMMERCE DMC_00
010 0400003000 PURCHASE 1
0 06 1 1 ONLINE PIN 00 81 6 V MSI_001 00

ELECTRONIC MCS_00
COMMERCE 1
7 SERVER DMC_00
010 0400003000 PURCHASE 1
0 07 1 1 ONLINE PIN 00 82 6 V MSI_001 00

MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400003000 PURCHASE NO 1
0 08 1 1 CVM 00 10 6 MSI_001 00
8
E-Commerce transaction where cardholder has saved a credential-on-file with
merchant
DE 61, SF 3 = 2 (Off premises) or 4 (On premises); SF 4 = 5 (Electronic order);
and SF 5 = 1 (Card not present)

MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400003000 PURCHASE NO 1
0 09 1 1 CVM 00 10 0 MSI_001 00
9
Recurring payment transaction where cardholder has saved a credential-on-
file with merchant
DE 61, SF 3 = 3 (No terminal used); SF 4 = 4 (Standing order / recurring
transactions); and SF 5 = 1 (Card not present)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 41
 Dual Message Authorization
Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CNP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400003000 PURCHASE NO 1
10 0 10 1 1 CVM 00 10 0 MSI_001 00
Unknown reason how cardholder has saved a credential-on-file with merchant
DE 61, SF 3 = 3 (No terminal used); SF 4 = 1 (Cardholder not present,
unspecified); and SF 5 = 1 (Card not present)

MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400003000 PURCHASE NO 1
11 0 11 1 1 CVM 00 10 0 MSI_001 00
Brick and mortar where cardholder has saved a credential-on-file with
merchant
DE 61, SF 4 = 0 (Cardholder present); and SF 5 = 1 (Card not present)

MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400003000 PURCHASE NO 1
0 12 1 1 CVM 00 10 0 MSI_001 00
12
Mail order transaction where cardholder has saved a credential-on-file with
merchant
DE 61, SF 3 = 3 (No terminal used); SF 4 = 2 (Mail/facsimile order); and SF 5 =
1 (Card not present)

MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400003000 PURCHASE NO 1
0 13 1 1 CVM 00 10 0 MSI_001 00
13
Phone order transaction where cardholder has saved a credential-on-file with
merchant
DE 61, SF 3 = 3 (No terminal used); SF 4 = 3 (Phone/ARU order); and SF 5 = 1
(Card not present)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 42
 Dual Message Authorization
Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CNP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
MANUAL DMC_00
ENTRY 1
PAYMENT MSI_001
14
010 0400003000 TRANSACTION PVL_101
0 14 1 1 NO CVM 28 01 0 PVC_101 00
DE 48tcc = P and DE 48, SE 77 (Transaction Type Identifier) value of customer
choice (excluding MoneySend types)

MCS_00
1
ELECTRONIC DMC_00
COMMERCE 1
PAYMENT MSI_001
15
010 0400003000 TRANSACTION PVL_101
0 15 1 1 NO CVM 28 81 6 PVC_101 00
DE 48tcc = P and DE 48, SE 77 (Transaction Type Identifier) value of customer
choice (excluding MoneySend types)

MCS_00
1
DMC_00
16 MANUAL 1
ENTRY MSI_001
010 0400003000 REFUND NO PVL_101
0 16 1 1 CVM 20 01 0 PVC_101 00

POS CNP MPP_006

BUSINESS DMC_01
TRANSACTION 8
AND CVM OF MSI_008
010 0400003000 CUSTOMER PVL_110
17 0 26 1 1 CHOICE ** ** * * PVC_183 10
Partial approval amount less than requested amount.
DE 48, SE 61 position 1 = 1 (Merchant terminal supports partial approvals)
0110: DE 4 contains the partial approval amount.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 43
 Dual Message Authorization
Table 0400003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS-CNP)—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CNP MCS_08
BUSINESS 4
TRANSACTION DMC_08
AND CVM OF 4
010 0400003000 CUSTOMER PVL_184
0 27 1 1 CHOICE ** ** * * MSI_084 10
18
Partial approval amount equal to requested amount
0100: DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial
approvals)
0110: DE 4 same amount as from the 0100

MCS_00
POS CNP 1
BUSINESS DMC_00
TRANSACTION 1
AND CVM OF MSI_001
012 0400003000 CUSTOMER PVL_101
0 31 1 1 CHOICE ** ** * * PVC_101 00
19
Acquirer host X-Code processing due to acquirer host cannot communicate
with the acquirer MIP. Acquirer subsequently sends advice to notify the issuer
of the approved authorization based on the previously stated rules for X-Code
processing.
0120: DE 39 = 00 (Approved) and DE 60, SF 1 = 190 (Acquirer Processing
System (APS) Approved)

MCS_00
POS CNP 1
BUSINESS DMC_00
TRANSACTION 1
AND CVM OF MSI_001
010 0400003000 CUSTOMER PVL_101
20 0 32 1 1 CHOICE ** ** * * PVC_101 00
040
0 1 1 DE 39 = ** 00
0400: Full or partial reversal and DE 39 applicable Response Code of customer
choice

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 44
 Dual Message Authorization
Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—Authorization
Requests

Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—

Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
various combinations of data conditions and process the resulting Authorization
Response messages.

NOTE: The data conditions tested do not represent the full range possible.

Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—

Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
BUSINESS
TRANSACTION
1 AND CVM OF
010 0400005000 CUSTOMER MSI_015
0 06 1 0 CHOICE ** ** * * CIR_015 00
DE 2 and Track Data, if applicable, contain 19-digit maximum PAN length
ATM OR POS
BUSINESS
TRANSACTION
2 AND CVM OF
010 0400005000 CUSTOMER MSI_021
0 07 1 0 CHOICE ** ** * * CIR_021 00
DE 2 and Track Data (if applicable) contain 12-digit minimum PAN length
ATM OR POS
MSR
BUSINESS MCS_00
TRANSACTION DMC_00
AND CVM OF 0 MSI_00
010 0400005000 CUSTOMER PVL_000
3 0 10 1 0 CHOICE ** 90 * * PVC_000 05
DE 4 (Amount, Transaction) = nnnnnnnn8725 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8725 equals the desired DE 39 (Response Code) and
DE 48, SE 87 (CVC Result) values.
0110: DE 48, SE 87 = Y (Invalid CVC 1)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 45
 Dual Message Authorization
Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—Authorization
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS MCS_08
MSR 6-087
BUSINESS DMC_00
TRANSACTION 1
AND CVM OF MSI_001
010 0400005000 CUSTOMER PVL_101
4 0 11 1 0 CHOICE ** 90 * * PVC_101 00
Normal DE 61 subfields and values for magnetic stripe input including DE 61,
SF 11 (POS Card Data Terminal Input Capability Indicator) values 2
(Magnetic stripe reader), 5 (Chip reader and magnetic stripe reader), 7
(Magnetic stripe reader and key entry), and/or 8 (Chip reader, magnetic stripe
reader and key entry)
ATM OR POS MCS_08
CP BUSINESS 7
TRANSACTION DMC_02
5 OF CUSTOMER 8
010 0400005000 CHOICE MSI_028
0 16 1 0 ONLINE PIN ** ** * V CIR_028 00
DE 52 contains 6-digit PIN
MCS_00
POS CP 1
BUSINESS DMC_00
TRANSACTION 1
6 AND CVM OF MSI_001
010 0400005000 CUSTOMER PVL_101
0 20 1 0 CHOICE ** ** * * PVC_101 00
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 8 = 1 (Suspected fraud
[merchant suspicious - code 10])
MCS_00
POS CP 1
BUSINESS PVL_101
TRANSACTION DMC_00
7 AND CVM OF 1
010 0400005000 CUSTOMER MSI_001
0 21 1 0 CHOICE ** ** * * PVC_101 00
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 8 = 2 (ID verified)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 46
 Dual Message Authorization
Table 0400005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—Authorization
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP OR MCS_00
CNP BUSINESS 1
TRANSACTION DMC_00
AND CVM OF 1
8 010 0400005000 CUSTOMER MSI_001
0 30 1 0 CHOICE ** ** * * PVL_101 00
Original authorization request to be followed by an incremental authorization
request
POS CP OR MCS_00
CNP BUSINESS 1
TRANSACTION DMC_00
9 AND CVM OF 1
010 0400005000 CUSTOMER MSI_001
0 31 1 0 CHOICE ** ** * * PVL_101 00
Incremental authorization request indicated by presence of DE 48, SE 63.
POS CP OR MCS_00
CNP BUSINESS 1
TRANSACTION DMC_00
AND CVM OF 1
10 010 0400005000 CUSTOMER MSI_001
0 36 1 0 CHOICE ** ** * * PVL_101 00
Preauthorization indicated by: DE 4 amount greater than zero; DE 48, SE 61,
SF 5 = 0 (Normal Authorization/Undefined Finality) or not present; and DE 61,
SF 7 = 4 (Preauthorized request)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 47
 Dual Message Authorization
Table 0400009—Acquirer Credit and Debit—MSR Base—Response Codes—Authorization
Requests

Table 0400009—Acquirer Credit and Debit—MSR Base—Response Codes—

Authorization Requests
The following test cases will test whether an acquirer's online application can send
correctly formatted Authorization Requests and process the resulting
Authorization Responses containing various response code values.

NOTE: Acquirers must submit an appropriate DE 4 (Amount, Transaction) value to obtain

the desired response code value. This method allows the same test card ID to be used for
each transaction because it is the submitted DE 4 value that initiates the response code
value.

Table 0400009—Acquirer Credit and Debit—MSR Base—Response Codes—

Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
POS BUSINESS DMC_00
TRANSACTION 0
AND CVM OF MSI_000
010 0400009000 CUSTOMER PVL_000
0 01 1 0 CHOICE ** ** * * PVC_000 **

1 DE 4 (Amount, Transaction) = nnnnnnnn39xx where nnnnnnnn indicates the

additional values necessary to represent a reasonable transaction amount in
transaction currency and xx equals the desired DE 39 (Response Code) value
0110: DE 39 (Response Code) of acquirer choice initiated by DE 4 value in
position 11-12

NOTE: If Response Code = 30, then simulator will send DE 44 = 061 as a

default response value for testing receipt of DE 44.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 48
 Dual Message Authorization
Table 0400009—Acquirer Credit and Debit—MSR Base—Response Codes—Authorization
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ATM BUSINESS 0
TRANSACTION DMC_00
CUSTOMER 0
010 0400009000 CHOICE MSI_000
0 03 1 0 ONLINE PIN ** ** * V CIR_000 **
DE 4 (Amount, Transaction) = nnnnnnnxxxxx where nnnnnnn indicates the
2 additional values necessary to represent a reasonable transaction amount in
transaction currency and xxxxx equals the desired DE 39 (Response Code)
value
0110: DE 39 (Response Code) of acquirer choice initiated by DE 4 value in
position 08-12

NOTE: DE 4 value begins at 10000 and is incremented by 2000 for ATM

transactions to obtain the applicable DE 39 value

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 49
 Dual Message Authorization
Table 0400011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—
Authorization Requests

Table 0400011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—

Authorization Requests
Test cases 1-3 will test whether an acquirer's Dual Message authorization
application can send DE 43, SF 1 (Card Acceptor Name [or Payment Facilitator
and Sub-Merchant Information, if applicable) with the correctly formatted
Payment Facilitator and Sub-merchant name and Payment Facilitator,
Independent Sales Organization and Sub-merchant IDs in DE 48, SE 37, SFs 1-3
when a Payment Facilitator or Independent Sales Organization participates in a
transaction and provide the appropriate responses.

NOTE: DE 43, subfields 3 and 5 and DE 61, subfields 13 and 14 must contain the location
information of the sub-merchant, not the payment facilitator.

Data Integrity edit requires Submerchant ID must be present when Payment

Facilitator ID is present and that DE 43, SF 1 must contain * value in position 4, 8,
or 13.
Test case 4 will test whether an acquirer's Dual Message authorization application
can submit optional Merchant Country of Origin in DE 48, SE 37, SF 4 when
applicable in properly formatted Authorization messages.

Table 0400011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—

Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
BUSINESS 1
TRANSACTION DMC_00
AND CVM OF 1
010 0400011000 CUSOTMER MSI_001
1 0 01 1 0 CHOICE ** ** * * CIR_001 00
DE 43, SF 1 with 3, 7, or 12 character abbreviated Payment Facilitator name
followed by * in position 4, 8, or 13 and then Sub-merchant name.
DE 48, SE 37, SF 1 = Payment Facilitator ID, SF 3 = Sub-merchant ID.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 50
 Dual Message Authorization
Table 0400011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—
Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
BUSINESS 1
TRANSACTION DMC_00
AND CVM OF 1
2 010 0400011000 CUSOTMER MSI_001
0 02 1 0 CHOICE ** ** * * CIR_001 00
DE 43 with Merchant Name (business as usual).
DE 48, SE 37, SF 2 = Independent Sales Organization ID.

MCS_00
BUSINESS 1
TRANSACTION DMC_00
AND CVM OF 1
010 0400011000 CUSOTMER MSI_001
3 0 03 1 0 CHOICE ** ** * * CIR_001 00
DE 43, SF 1 with 3, 7, or 12 character abbreviated Payment Facilitator name
followed by * in position 4, 8, or 13 and then Sub-merchant name.
DE 48, SE 37, SF 1 = Payment Facilitator ID, SF 2 = Independent Sales
Organization ID, and SF 3 = Sub-merchant ID.

BUSINESS MCS_00
TRANSACTION 1
AND CVM OF DMC_00
010 0400011000 CUSTOMER 1
4 0 11 1 0 CHOICE ** ** * * MSI_001 00
DE 48, SF 37, only SF 4 (Merchant Country of Origin) is optional

NOTE: SF 4 may also be present with any valid combinations of subfields 1-3

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 51
 Dual Message Authorization
Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Authorization Requests, Advices, Reversals

Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account

Reference (PAR)—Authorization Requests, Advices, Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can receive PAR in DE 56 of Authorization Request,
Advice and Reversal Request Response messages.
PAR may be provided for issuers participating in Mastercard Digital Enablement
Service (MDES) for token and PAN transactions as well as for non-MDES issuers
who have obtained PAR from Mastercard via the Payment Account Management
API when Mastercard is the BIN Controller.

Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account

Reference (PAR)—Authorization Requests, Advices, Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS MCS_13
TRANSACTION 0
AND CVM OF DMC_13
010 0400016000 CUSTOMER 0
0 01 1 N/A CHOICE ** ** * * MSI_130 00
MDES issuer token, successfully mapped and validated.
1 0100: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

POS BUSINESS MCS_13

TRANSACTION 0
AND CVM OF DMC_13
010 0400016000 CUSTOMER 0
0 02 1 N/A CHOICE ** ** * * MSI_130 00
2 MDES issuer PAN.
0100: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 52
 Dual Message Authorization
Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Authorization Requests, Advices, Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS MCS_00
TRANSACTION 1
AND CVM OF DMC_00
010 0400016000 CUSTOMER 1
0 03 1 N/A CHOICE ** ** * * MSI_001 00
3 Non-MDES issuer PAN.
0100: DE 4 = 000000005600 to obtain DE 56 in response message from
simulator; otherwise DE 56 will not be present.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

POS BUSINESS MCS_13

TRANSACTION 0
AND CVM OF DMC_13
012 0400016000 CUSTOMER 0
0 04 1 N/A CHOICE ** ** * MSI_130 00
MDES issuer token, acquirer advice transaction successfully mapped and
validated.

4 0120: DE 4 = 000000005633 to obtain appropriate data in response message

from simulator.
0120: DE 60 = 190 (Acquirer Processing System [APS] Approved)
0130: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0130: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or by issuer as BIN Controller.

POS BUSINESS MCS_13

TRANSACTION 0
AND CVM OF DMC_13
012 0400016000 CUSTOMER 0
0 05 1 N/A CHOICE ** ** * MSI_130 00
MDES issuer PAN, acquirer advice transaction.
5
0120: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0120: DE 60 = 190 (Acquirer Processing System [APS] Approved)
0130: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or by issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 53
 Dual Message Authorization
Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Authorization Requests, Advices, Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS MCS_13
TRANSACTION 0
AND CVM OF DMC_13
012 0400016000 CUSTOMER 0
0 06 1 N/A CHOICE ** ** * MSI_130 00
Non-MDES issuer PAN, acquirer advice transaction.
6
0120: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0120: DE 60 = 190 (Acquirer Processing System [APS] Approved)
0130: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

POS BUSINESS MCS_13

TRANSACTION 0
AND CVM OF DMC_13
010 0400016000 CUSTOMER 0
0 07 1 N/A CHOICE ** ** * * MSI_130 00
040
0 1 N/A DE 39 = 17 00
MDES issuer token, original and full reversal transaction successfully mapped
and validated.
0100: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
7 0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.
0400: DE 39 = 17 (Customer Cancellation) and DE 48, SE 63 (Trace ID)
present.
0410: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0410: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 54
 Dual Message Authorization
Table 0400016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Authorization Requests, Advices, Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS MCS_13
TRANSACTION 0
AND CVM OF DMC_13
010 0400016000 CUSTOMER 0
0 08 1 N/A CHOICE ** ** * * MSI_130 00
040
0 1 N/A DE 39 = 17 00
MDES issuer PAN, original and full reversal.
8
0100: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.
0400: DE 39 = 17 (Customer Cancellation) and DE 48, SE 63 (Trace ID)
present.
0410: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

POS BUSINESS MCS_00

TRANSACTION 1
AND CVM OF DMC_00
010 0400016000 CUSTOMER 1
0 09 1 N/A CHOICE ** ** * * MSI_001 00
040
0 1 N/A DE 39 = 17 00
Non-MDES issuer PAN, original and full reversal.
9
0100: DE 4 = 000000005600 to obtain DE 56 in response message from
simulator; otherwise DE 56 will not be present.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.
0400: DE 39 = 17 (Customer Cancellation) and DE 48, SE 63 (Trace ID)
present.
0410: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 55
 Dual Message Authorization
Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity Classification (U.S.
Region)—Authorization Requests

Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity

Classification (U.S. Region)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message application
can send Authorization Request transactions and receive the Authorization
Request Response/0110 message with the Transaction Integrity Classification in
DE 48, subelement 52.

NOTE: The test cases present one business transaction for each Transaction Integrity Class
value although there may be other business transaction applicable for a Transaction
Integrity Class value.

Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity

Classification (U.S. Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
APPLICABLE
BUSINESS
TRANSACTION MCS_00
AND CVM OF 1
010 0400017000 CUSTOMER DMC_00
0 01 1 0 CHOICE ** 90 * * 1 00
1 Transaction Integrity Class (TIC) value C1
DE 2 and DE 35/45 contain funding PAN
DE 4 = 000000005231 to obtain DE 48, SE 52 response for C1.
DE 61, SF 4 = 0 (Cardholder present), SF 5 = 0 Card Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = C1 (Card and
Cardholder Present: Mag Stripe)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 56
 Dual Message Authorization
Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity Classification (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
APPLICABLE
BUSINESS
TRANSACTION MCS_00
OF CUSTOMER 1
010 0400017000 CHOICE NO DMC_00
0 02 1 0 CVM ** 01 0 1 00
2
Transaction Integrity Class (TIC) value E1
DE 2 containS funding PAN
DE 4 = 000000005251 to obtain DE 48, SE 52 response for E1.
DE 61, SF 4 = 0 (Cardholder present), SF 5 = 0 Card Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = E1 (Card and
Cardholder Present: Key Entered)

UNKNOWN
ENTRY
APPLICABLE
BUSINESS
TRANSACTION MCS_00
OF CUSTOMER 1
010 0400017000 CHOICE NO DMC_00
0 03 1 0 CVM ** 00 0 1 00
3
Transaction Integrity Class (TIC) value UO
DE 2 containS funding PAN
DE 4 = 000000005290 to obtain DE 48, SE 52 response for U0.
DE 61, SF 4 = 0 (Cardholder present), SF 5 = 0 Card Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = UO (Card and
Cardholder Present: Unclassified)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 57
 Dual Message Authorization
Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity Classification (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
DSRP
ELECTRONIC
COMMERCE
APPLICABLE
BUSINESS MCS_00
TRANSACTION 1
010 0400017000 OF CUSTOMER DMC_00
0 04 1 0 CHOICE ** 81 6 1 00
Transaction Integrity Class (TIC) value B2
4 DE 2 contains funding PAN
DE 4 = 000000005222 to obtain DE 48, SE 52 response for B2.
DE 48, SE 42 = 242 (DSRP fully authenticated) and DE 104, SE 001 (Digital
Payment Cryptogram)
DE 61, SF 4 = 5 (Cardholder not present: Electronic order), SF 5 = 1 Card Not
Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = B2 (Card and
Cardholder Not Present: Authenticated Checkout)

ELECTRONIC
COMMERCE
APPLICABLE
BUSINESS MCS_00
TRANSACTION 1
010 0400017000 OF CUSTOMER DMC_00
0 05 1 0 CHOICE ** 81 6 1 00
Transaction Integrity Class (TIC) value C2
5 DE 2 contains funding PAN
DE 4 = 000000005232 to obtain DE 48, SE 52 response for C2.
DE 48, SE 42 = 212 (Identity Check fully authenticated) and SE 43 (UCAF)
contains AAV)
DE 61, SF 4 = 5 (Cardholder not present: Electronic order), SF 5 = 1 Card Not
Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = C2 (Card and
Cardholder Not Present: Transaction Validation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 58
 Dual Message Authorization
Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity Classification (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
APPLICABLE
BUSINESS MCS_00
TRANSACTION 1
010 0400017000 OF CUSTOMER DMC_00
0 06 1 0 CHOICE ** 81 6 1 00
Transaction Integrity Class (TIC) value D2
6 DE 2 contains funding PAN
DE 4 = 000000005242 to obtain DE 48, SE 52 response for D2.
DE 48, SE 42 = 210 (Not authenticated) and SE 43 (UCAF) not present
DE 61, SF 4 = 5 (Cardholder not present: Electronic order), SF 5 = 1 Card Not
Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = D2 (Card and
Cardholder Not Present: Enhanced Data)

PHONE ORDER
APPLICABLE
BUSINESS
TRANSACTION MCS_00
OF CUSTOMER 1
010 0400017000 CHOICE NO DMC_00
0 07 1 0 CVM ** 01 0 1 00

7 Transaction Integrity Class (TIC) value E2

DE 2 contains funding PAN
DE 4 = 000000005252 to obtain DE 48, SE 52 response for E2.
DE 61, SF 4 = 3 (Cardholder not present: Phone order), SF 5 = 1 Card Not
Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = E2 (Card and
Cardholder Not Present: Generic Messaging)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 59
 Dual Message Authorization
Table 0400017—Acquirer Credit and Debit—MSR Base—Transaction Integrity Classification (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
UNKNOWN
ENTRY
APPLICABLE
BUSINESS
TRANSACTION MCS_00
OF CUSTOMER 1
010 0400017000 CHOICE NO DMC_00
0 08 1 0 CVM ** 00 0 1 00
8 Transaction Integrity Class (TIC) value U0
DE 2 contains funding PAN
DE 4 = 000000005292 to obtain DE 48, SE 52 response for E2.
DE 61, SF 4 = 1 (Cardholder not present: unspecified), SF 5 = 1 Card Not
Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = U0 (Card and
Cardholder Not Present: Unclassified)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 60
 Dual Message Authorization
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management (U.S.
Region)—Authorization Requests

Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management

(U.S. Region)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests,
and process the resulting Authorization Responses that contain Account Level
Management information. The Account Level Management information consists of
the account category code in the sixth position of DE 39 approval response and, if
applicable, the graduated product code in DE 63, SF 1.

NOTE: U.S. acquirers are mandated to support Account Level Management for Mastercard
Enhanced Value (EV), Mastercard Product Graduation (PG), Mastercard High Value (HV)
and Mastercard Spend Shortfall. Debit Mastercard supports Mastercard Product
Graduation, but not Mastercard Enhanced Value or Mastercard High Value. Test cases 1-6
are for consumer cards, 7-9 are for Mastercard World and World Elite Mastercard Spend
Shortfall cards, and 10-20 are for Small Business Spend Processing.

Acquirers must be prepared to use the account category code in approved

responses when the account range, as found on the IPM MPE, indicates
participation in Account Level Management.

Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management

(U.S. Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS
1 TRANSACTION
AND CVM OF
010 0400491000 CUSTOMER MCC_20
0 01 1 1 CHOICE ** ** * * 1 00
0110: DE 38, position 6 = B (Account registered for ALM-EV)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 61
 Dual Message Authorization
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MCG_20
AND CVM OF 2
010 0400491000 CUSTOMER MDS_20
2 0 02 1 1 CHOICE ** ** * * 1 00
0110: DE 38, position 6 = P (Account registered for ALM-PG and Mastercard
Account Graduated to product MPL or Debit Mastercard account graduated
to product MDG)
0110: DE 63, SF 1 = MPL (Platinum Mastercard Card) or MDG (Debit Gold
Mastercard)

POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION
AND CVM OF
3 010 0400491000 CUSTOMER
0 03 1 1 CHOICE ** ** * * MPL_202 00
0110: DE 38, position 6 = M (Account registered for both ALM-EV and ALM-
PG and account graduated to product MCG)
0110: DE 63, SF 1 = MCG (Gold Mastercard Card)

POS
PURCHASE OR
PWCB
BUSINESS
4 TRANSACTION
AND CVM OF
010 0400491000 CUSTOMER MCW_20
0 04 1 1 CHOICE ** ** * * 3 00
0110: DE 38, position 6 = S (Account qualifies for Mastercard High Value)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 62
 Dual Message Authorization
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION
AND CVM OF
5 010 0400491000 CUSTOMER
0 05 1 1 CHOICE ** ** * * MPL_203 00
0110: DE 38, position 6 = T (Account qualifies for Mastercard Product
Graduation and High Value)
0110: DE 63, SF 1 = MCW (World Mastercard Card)

POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MCC_20
6 AND CVM OF 3
010 0400491000 CUSTOMER MDS_20
0 06 1 1 CHOICE ** ** * * 0 00
0110: DE 38, position 6 = Z (Account range participates in ALM but account
number does not)
POS
PURCHASE OR
PWCB
BUSINESS
7 TRANSACTION MWE_23
AND CVM OF 1
010 0400491000 CUSTOMER MCW_23
0 07 1 1 CHOICE ** ** * * 1 00
0110: DE 38, position 6 = W (Spend Shortfall)
POS
PURCHASE OR
PWCB
BUSINESS
8 TRANSACTION MWE_23
AND CVM OF 2
010 0400491000 CUSTOMER MCW_23
0 08 1 1 CHOICE ** ** * * 2 00
0110: DE 38, position 6 = Y (Spend Shortfall and Product Graduation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 63
 Dual Message Authorization
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MWE_23
9 AND CVM OF 0
010 0400491000 CUSTOMER MCW_23
0 09 1 1 CHOICE ** ** * * 0 00
0110: DE 38, position 6 = Z (Account range contains accounts classified as
Spend Shortfall but this account number is not classified for Spend Shortfall)
POS MCB_26
PURCHASE OR 1
PWCB MEB_261
BUSINESS MPC_26
TRANSACTION 1
10 AND CVM OF MWB_26
010 0400491000 CUSTOMER 1
0 10 1 1 CHOICE ** ** * * MAB_261 00
0110: DE 38 position 6 = C (Level 1) indicates account participates in Small
Business Spend Processing
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MCB_26
AND CVM OF 2
010 0400491000 CUSTOMER MWB_26
0 11 1 1 CHOICE ** ** * * 2 00
11
0110: DE 38 position 6 = D (Level 1 and Product Graduation) indicates
account participates in Mastercard Product Graduation and in Small Business
Spend Processing
0110: DE 63, SF 1 = MWB if test card MCB_262 used to graduate up from
MCB to MWB or,
0110: DE 63, SF 1 = MPC if test card MWB_262 used to graduate down from
MWB to MPC

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 64
 Dual Message Authorization
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCB_26
PURCHASE OR 3
PWCB MEB_263
BUSINESS MPC_26
TRANSACTION 3
12 AND CVM OF MWB_26
010 0400491000 CUSTOMER 3
0 12 1 1 CHOICE ** ** * * MAB_263 00
0110: DE 38 position 6 = E (Level 2) indicates account participates in Small
Business Spend Processing
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MPC_26
AND CVM OF 4
010 0400491000 CUSTOMER MWB_26
0 13 1 1 CHOICE ** ** * * 4 00
13
0110: DE 38 position 6 = F (Level 2 and Product Graduation) indicates account
participates in Mastercard Product Graduation and in Small Business Spend
Processing
0110: DE 63, SF 1 = MWB if test card MPC_264 used to graduate up from
MPC to MWB or,
0110: DE 63, SF 1 = MEB if test card MWB_264 used to graduate down from
MWB to MEB

POS MCB_26
PURCHASE OR 5
PWCB MEB_265
BUSINESS MPC_26
TRANSACTION 5
14 AND CVM OF MWB_26
010 0400491000 CUSTOMER 5
0 14 1 1 CHOICE ** ** * * MAB_265 00
0110: DE 38 position 6 = G (Level 3) indicates account participates in Small
Business Spend Processing

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 65
 Dual Message Authorization
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION
AND CVM OF MEB_266
010 0400491000 CUSTOMER MWB_26
0 15 1 1 CHOICE ** ** * * 6 00
15
0110: DE 38 position 6 = H (Level 3 and Product Graduation) indicates
account participates in Mastercard Product Graduation and in Small Business
Spend Processing
0110: DE 63, SF 1 = MWB if test card MEB_266 used to graduate up from
MEB to MWB or,
0110: DE 63, SF 1 = MCB if test card MWB_266 used to graduate down from
MWB to MCB

POS MCB_26
PURCHASE OR 7
PWCB MEB_267
BUSINESS MPC_26
TRANSACTION 7
16 AND CVM OF MWB_26
010 0400491000 CUSTOMER 7
0 16 1 1 CHOICE ** ** * * MAB_267 00
0110: DE 38 position 6 = J (Level 4) indicates account participates in Small
Business Spend Processing
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION
AND CVM OF MAB_268
010 0400491000 CUSTOMER MWB_26
0 17 1 1 CHOICE ** ** * * 8 00
17
0110: DE 38 position 6 = K (Level 4 and Product Graduation) indicates account
participates in Mastercard Product Graduation and in Small Business Spend
Processing
0110: DE 63, SF 1 = MAB if test card MWB_268 used to graduate up from
MWB to MAB or,
0110: DE 63, SF 1 = MWB if test card MAB_268 used to graduate down from
MAB to MWB

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 66
 Dual Message Authorization
Table 0400491—Acquirer Credit and Debit—MSR Base—Account Level Management (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS MCB_26
TRANSACTION 9
18 AND CVM OF MEB_269
010 0400491000 CUSTOMER MPC_26
0 18 1 1 CHOICE ** ** * * 9 00
0110: DE 38 position 6 = Z indicates account non-participating but account
range participates in Small Business Spend Processing
POS MCB_27
PURCHASE OR 0
PWCB MEB_270
BUSINESS MPC_27
TRANSACTION 0
AND CVM OF MWB_27
19 010 0400491000 CUSTOMER 0
0 19 1 1 CHOICE ** ** * * MAB_270 00
0110: DE 38 position 6 = Q (Level 5) indicates account participates in Small
Business Spend Processing
0110: DE 63, SF 1 product code of the test card

POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION
AND CVM OF MAB_271
010 0400491000 CUSTOMER MWB_27
0 20 1 1 CHOICE ** ** * * 1 00
20
0110: DE 38 position 6 = R (Level 5 and Product Graduation) indicates account
participates in Mastercard Product Graduation and in Small Business Spend
Processing
0110: DE 63, SF 1 = MAB if test card MWB_271 used to graduate up from
MWB to MAB or,
0110: DE 63, SF 1 = MWB if test card MAB_271 used to graduate down from
MAB to MWB

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 67
 Dual Message Authorization
Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level Management (Canada
Region)—Authorization Requests

Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level Management

(Canada Region)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses that contain Account Level
Management information. The Account Level Management information consists of
the account category code in the approval response and the registered product
code in DE 63, subfield 1 which may differ from the Account Range Product Code.
Acquirers must be prepared to use the account category code and registered
product code in approved responses when the Account Range, as found on the IPM
MPE, indicates participation in Account Level Management.

NOTE: Acquirers in Canada are mandated to support Account Level Management:

Consumer Product Monitoring service.

Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level Management

(Canada Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400492000 CUSTOMER MCC_90
1
0 01 1 1 CHOICE 00 ** * * 4 00
0110: DE 38, position 6 = Q (Muse Mastercard Qualified) and DE 63, SF 1 =
MSP (Muse Mastercard)

POS REFUND
AND CVM OF
010 0400492000 CUSTOMER MCC_90
2 0 02 1 1 CHOICE 20 ** * * 4 00
0110: DE 38, position 6 = Q (Muse Mastercard Qualified) and DE 63, SF 1 =
MSP (Muse Mastercard)

POS
PURCHASE
AND CVM OF
010 0400492000 CUSTOMER MCC_90
3
0 03 1 1 CHOICE 00 ** * * 5 00
0110: DE 38, position 6 = A (Muse Mastercard Requalified) and DE 63, SF 1 =
MSP (Muse Mastercard)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 68
 Dual Message Authorization
Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level Management (Canada
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS REFUND
AND CVM OF
010 0400492000 CUSTOMER MCC_90
4 0 04 1 1 CHOICE 20 ** * * 5 00
0110: DE 38, position 6 = A (Muse Mastercard Requalified) and DE 63, SF 1 =
MSP (Muse Mastercard)

POS
PURCHASE
AND CVM OF
010 0400492000 CUSTOMER MCC_90
5
0 05 1 1 CHOICE 00 ** * * 6 00
0110: DE 38, position 6 = J (World Elite Qualified) and DE 63, SF 1 = MWE
(World Elite Mastercard)

POS REFUND
AND CVM OF
010 0400492000 CUSTOMER MCC_90
6 0 06 1 1 CHOICE 20 ** * * 6 00
0110: DE 38, position 6 = J (World Elite Qualified) and DE 63, SF 1 = MWE
(World Elite Mastercard)

POS
PURCHASE
AND CVM OF
010 0400492000 CUSTOMER MCC_90
7
0 07 1 1 CHOICE 00 ** * * 7 00
0110: DE 38, position 6 = X (World Elite Requalified) and DE 63, SF 1 = MWE
(World Elite Mastercard)

POS REFUND
AND CVM OF
010 0400492000 CUSTOMER MCC_90
8 0 08 1 1 CHOICE 20 ** * * 7 00
0110: DE 38, position 6 =X (World Elite Requalified) and DE 63, SF 1 = MWE
(World Elite Mastercard)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 69
 Dual Message Authorization
Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level Management (Canada
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400492000 CUSTOMER MCC_90
9
0 09 1 1 CHOICE 00 ** * * 8 00
0110: DE 38, position 6 = G (Name for GCMS Product ID MPE Qualified) and
DE 63, SF 1 = MPE (Name for GCMS Product ID MPE )

POS REFUND
AND CVM OF
010 0400492000 CUSTOMER MCC_90
10 0 10 1 1 CHOICE 20 ** * * 8 00
0110: DE 38, position 6 = G (Name for GCMS Product ID MPE Qualified) and
DE 63, SF 1 = MPE (Name for GCMS Product ID MPE )

POS
PURCHASE
AND CVM OF
010 0400492000 CUSTOMER MCC_90
11
0 11 1 1 CHOICE 00 ** * * 9 00
0110: DE 38, position 6 = E (World Qualified) and DE 63, SF 1 = MCW (World
Mastercard)

POS REFUND
AND CVM OF
010 0400492000 CUSTOMER MCC_90
12 0 12 1 1 CHOICE 20 ** * * 9 00
0110: DE 38, position 6 = E (World Qualified) and DE 63, SF 1 = MCW (World
Mastercard)

POS
PURCHASE
AND CVM OF
010 0400492000 CUSTOMER MCC_90
13
0 13 1 1 CHOICE 00 ** * * 1 00
0110: DE 38, position 6 = Z (Account range participates in ALM but account
number does not) and DE 63, SF 1 = MCC (Mastercard Card)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 70
 Dual Message Authorization
Table 0400492—Acquirer Credit and Debit—MSR Base—Account Level Management (Canada
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS REFUND
AND CVM OF
010 0400492000 CUSTOMER MCC_90
14 0 14 1 1 CHOICE 20 ** * * 1 00
0110: DE 38, position 6 = Z (Account range participates in ALM but account
number does not) and DE 63, SF 1 = MCC (Mastercard Card)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 71
 Dual Message Authorization
Table 0400493—Acquirer Credit and Debit—MSR Base—Account Level Management (Europe
Region)—Authorization Requests

Table 0400493—Acquirer Credit and Debit—MSR Base—Account Level Management

(Europe Region)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses that contain Account Level
Management information. The Account Level Management information consists of
the account category code in the approval response in DE 38 (Authorization ID
Response) and, if applicable, the graduated product code in DE 63, SF 1 (Financial
Network Code).
The test card IDs and their associated PANs support testing of Mastercard
Product Graduation Plus, Mastercard Enhanced Value, or both for the approved
Europe region geographic areas.
Acquirers must be prepared to use the account category code and, if applicable,
the graduated product code in approved responses when the PAN's account range,
as found on the IPM MPE, indicates participation in Account Level Management.

NOTE: Europe acquirers in participating countries are mandated to support Account Level
Management for Mastercard Enhanced Value and Product Graduation Plus.

Table 0400493—Acquirer Credit and Debit—MSR Base—Account Level Management

(Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS MCC_22
TRANSACTION 0
1 AND CVM OF MDS_22
010 0400493000 CUSTOMER 0
0 01 1 1 CHOICE ** ** * * MSI_220 00
0110: DE 38, position 6 = Z (Account range participates in ALM but account
number does not)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 72
 Dual Message Authorization
Table 0400493—Acquirer Credit and Debit—MSR Base—Account Level Management (Europe
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS MCC_22
TRANSACTION 1
AND CVM OF MDS_22
2 010 0400493000 CUSTOMER 1
0 02 1 1 CHOICE ** ** * * MSI_221 00
0110: DE 38, position 6 = P (Account qualifies for Product Graduation Plus
only)
0110: DE 63, SF 1 = graduated product

POS
PURCHASE OR
PWCB
BUSINESS
3 TRANSACTION MCC_22
AND CVM OF 2
010 0400493000 CUSTOMER MDS_22
0 03 1 1 CHOICE ** ** * * 2 00
0110: DE 38, position 6 = B (Account qualifies for Enhanced Value only)
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MCC_22
AND CVM OF 3
4 010 0400493000 CUSTOMER MDS_22
0 04 1 1 CHOICE ** ** * * 3 00
0110: DE 38, position 6 = M (Account qualifies for Enhanced Value and
Product Graduation Plus)
0110: DE 63, SF 1 = graduated product

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 73
 Dual Message Authorization
Table 0400494—Acquirer Credit and Debit—MSR Base—Account Level Management (Asia Pacific
Region)—Authorization Requests

Table 0400494—Acquirer Credit and Debit—MSR Base—Account Level Management

(Asia Pacific Region)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses containing ALM account
category code in sixth position of DE 38 (Authorization ID Response) and the
graduated product code (if applicable) in DE 63, SF 1 (Financial Network Code).
Acquirers must be prepared to use the account category code and, if applicable,
the graduated product code in approved responses when the PAN's account range,
as found on the IPM MPE, indicates participation in Account Level Management.

NOTE: Australia acquirers are mandated to support Account Level Management for
Mastercard Product Graduation.

Table 0400494—Acquirer Credit and Debit—MSR Base—Account Level Management

(Asia Pacific Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MCC_22
1 AND CVM OF 0
010 0400494000 CUSTOMER MDS_22
0 01 1 1 CHOICE ** ** * * 0 00
0110: DE 38, position 6 = Z (Account range participates in ALM but account
number does not)
POS
PURCHASE OR
PWCB
BUSINESS
TRANSACTION MCC_22
AND CVM OF 1
010 0400494000 CUSTOMER MDS_22
2
0 02 1 1 CHOICE ** ** * * 1 00
Account graduated upward or downward depending upon choice of test card
ID
0110: DE 38, position 6 = P (Account registered for ALM-PG)
0110: DE 63, SF 1 contains graduated product code

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 74
 Dual Message Authorization
Products and Services

Products and Services

The following test cases in this section test whether a customer's acquirer Dual
Message authorization application can send correctly formatted Authorization

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 75
 Dual Message Authorization
Products and Services

Requests and process the resulting Authorization Responses under conditions that
are specific to all additional features available.
• Table 0400101—Acquirer Credit and Debit—MSR Product and Services—Private
Data—Authorization Requests
• Table 0400106—Acquirer Credit and Debit—MSR Product and Services—DE 28
Transaction Fee—Authorization Requests, Advices and Reversals
• Table 0400111—Acquirer Credit and Debit—MSR Product and Services—Funding
Transactions—Authorization Requests and Reversals
• Table 0400115—Acquirer Credit and Debit—MSR Product and Services—
Mastercard rePower Load Value Payment Transaction—Authorization Requests
and Reversals
• Table 0400121—Acquirer Credit and Debit—MSR Product and Services—Dynamic
Currency Conversion—Authorization Requests
• Table 0400130—Acquirer Credit and Debit—MSR Product and Services—
Unsolicited Balance Responses—Authorization Requests
• Table 0400190—Acquirer Credit and Debit—MSR Product and Services—
Gambling Transactions and Gaming Payment Transactions—Authorization
Requests
• Table 0400321—Acquirer Credit and Debit—MSR Product and Services—PIN
Management Service—Authorization Requests and Reversal
• Table 0400401—Acquirer Credit and Debit—MSR Product and Services—
Merchant Advice Code—Authorization Requests
• Table 0400411—Acquirer Credit and Debit—MSR Product and Services—
Installment Payment Service (Global)—Authorization Requests and Advices
• Table 0400435—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Funding Transactions—Authorization Requests
• Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa
Card Transactions—Authorization and Reversal Requests
• Table 0400461—Acquirer Credit and Debit—MSR Product and Services—Partial
Approval—Authorization Request and Advice and Reversal
• Table 0400470—Acquirer Credit and Debit—MSR Product and Services—Debit
Mastercard Merchant Acceptance (Canada)-Authorization Requests
• Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-
time Substantiation (U.S. Region)—Authorization and Reversal Requests
• Table 0400501—Acquirer Credit and Debit—MSR Product and Services—Parcelas
Payment Transactions (Brazil)—Authorization Requests
• Table 0400502—Acquirer Credit and Debit—MSR Product and Services—Cuotas
Payment Transactions (Argentina)—Authorization Requests
• Table 0400503—Acquirer Credit and Debit—MSR Product and Services—Cuotas
Payment Transactions (Uruguay)—Authorization Requests
• Table 0400504—Acquirer Credit and Debit—MSR Product and Services—Cuotas
Payment Transactions (Peru)—Authorization Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 76
 Dual Message Authorization
Products and Services

• Table 0400506—Acquirer Credit and Debit—MSR Product and Services—

Installment Payment Service (Greece)—Authorization Requests
• Table 0400508—Acquirer Credit and Debit—MSR Product and Services—
Installment Payment Service (Philippines)—Authorization and Reversal Requests
• Table 0400515—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Japan)—Authorization Requests and Authorization
Advices
• Table 0400545—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Paraguay)—Authorization Requests
• Table 0400546—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Paraguay)—Authorization Requests
• Table 0400550—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Colombia)—Authorization Requests, Advice, and Reversal
• Table 0400555—Acquirer Credit and Debit—MSR Product and Services—
Domestic Authorization Switching Service (Sweden)—Authorization Requests
and Reversals
• Table 0400560—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing Installments (Chile)—Authorization Requests
• Table 0400561—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing Non-Installments (Chile)—Authorization Requests
• Table 0400601—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (All Business Transactions)—Authorization
Requests
• Table 0400602—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (Technical Conditions)—Authorization Requests
• Table 0400603—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe Mobile (Technical Conditions)—Authorization
Requests
• Table 0400605—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (Token)—Authorization Requests
• Table 0400614—Acquirer Credit and Debit—MSR Product and Services—Private
Label Non-Financial Service—Authorization Requests
• Table 0400620—Acquirer Credit and Debit—MSR Product and Services—Fleet
Cards—Authorization Requests
• Table 0400621—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Prefunded Model)—Authorization Requests
• Table 0400622—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Real-Time Authorized Model)—Authorization Requests
• Table 0400623—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Post-Authorized Aggregated Model)—Authorization Requests
• Table 0400624—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Authorized Aggregated Split Clearing Model)—Authorization Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 77
 Dual Message Authorization
Products and Services

• Table 0400626—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Authorization
Requests
• Table 0400633—Acquirer Credit and Debit—MSR Product and Services—Electric
Vehicle Charging—Authorization Requests
• Table 0400645—Acquirer Credit and Debit—MSR Product and Services—
Automated Fuel Dispenser—Authorization Requests and Advices and Reversals
• Table 0400703—Acquirer Credit and Debit—MSR Product and Services—
Cardholder Authentication (Poland)—Authorization Requests
• Table 0400707—Acquirer Credit and Debit—MSR Product and Services—Receipt
Free Text (Peru)—Authorization Requests
• Table 0400709—Acquirer Credit and Debit—MSR Product and Services—Terminal
Compliance Indicator (India)—Authorization Requests
• Table 0400715—Acquirer Credit and Debit—MSR Product and Services—Transit
Top-Up Payment Transactions (India)— Authorization Requests
• Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2
RTS Compliance (Europe Region)—Authorization Requests
• Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address
Verification Service—Authorization Requests
• Table 0400803—Acquirer Credit and Debit—MSR Product and Services—CVC 2—
Authorization Requests
• Table 0400808—Acquirer Credit and Debit—MSR Product and Services—Account
Status Inquiry Service—Authorization Requests
• Table 0400821—Acquirer Credit and Debit—MSR Product and Services—
MoneySend Payment Transactions—Authorization and Reversal Requests
• Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile
Remote Payments Program—Authorization Requests
• Table 0400826—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Payment Transactions—Authorization Requests
• Table 0400827—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Refund Payment Transactions—Authorization Requests
• Table 0400829—Acquirer Credit and Debit—MSR Product and Services—Click to
Pay—Authorization Requests
• Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES
Device Tokens in DSRP, Identity Check, and Click to Pay—Authorization Requests
• Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES
(Merchant Tokenization Program)—Authorization Requests
• Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES
Device Token Transactions Without UCAF Cryptogram—Authorization Requests
• Table 0400838—Acquirer Credit and Debit—MSR Product and Services—MDES
Static Token—Authorization Requests
• Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES
(Remote Commerce Transactions)— Authorization Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 78
 Dual Message Authorization
Products and Services

• Table 0400847—Acquirer Credit and Debit—MSR Product and Services—3DS

Non-Mastercard Cards—Authorization Requests
• Table 0400860—Acquirer Credit and Debit—MSR Product and Services—
Mastercard Identity Check—Authorization Requests
• Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By
Account—Authorization Requests and Reversals
• Table 0400901—Acquirer Credit and Debit—MSR Product and Services—
Merchant Fraud Scoring (Brazil)—Authorization Requests
• Table 0400902—Acquirer Credit and Debit—MSR Product and Services—Combo
Card (Brazil)—Authorization Requests
• Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex
Card Service (Brazil)—Authorization Requests
• Table 0400925—Acquirer Credit and Debit—MSR Product and Services—High-
Risk Purchase Identifier—Authorization Requests
• Table 0400930—Acquirer Credit and Debit—MSR Product and Services—Meal
Voucher Direct Settlement Indicator—Authorization Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 79
 Dual Message Authorization
Table 0400101—Acquirer Credit and Debit—MSR Product and Services—Private Data—
Authorization Requests

Table 0400101—Acquirer Credit and Debit—MSR Product and Services—Private

Data—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
with Private Data and process the resulting Authorization Responses containing
Private Data.

NOTE: Acquirers must submit an appropriate DE 4 (Amount, Transaction) value to obtain

the desired response value.

Table 0400101—Acquirer Credit and Debit—MSR Product and Services—Private

Data—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
DMC_00
BUSINESS 1
TRANSACTION MSI_001
1 AND CVM OF CIR_001
010 0400101000 CUSTOMER PVL_101
0 01 1 0 CHOICE ** ** * * PVC_101 00
Containing acquirer private data in DE 127 provided in request and returned
by Mastercard in response.
MCS_00
1
DMC_00
BUSINESS 1
TRANSACTION MSI_001
2 AND CVM OF CIR_001
010 0400101000 CUSTOMER PVL_101
0 06 1 0 CHOICE ** ** * * PVC_101 00
0100: DE 124 = Hi; How are you?
0110: DE 124 not present.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 80
 Dual Message Authorization
Table 0400101—Acquirer Credit and Debit—MSR Product and Services—Private Data—
Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
BUSINESS DMC_00
TRANSACTION 0
AND CVM OF MSI_000
010 0400101000 CUSTOMER PVL_000
0 07 1 0 CHOICE ** ** * * PVC_000 00
3
0100: DE 4 (Amount, Transaction) = nnnnnnn12400 where nnnnnnn indicates
the additional values necessary to represent a reasonable transaction amount
in transaction currency to obtain DE 124 in response
0100: DE 124 not present in request
0110: DE 124 = How are you?

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 81
 Dual Message Authorization
Table 0400106—Acquirer Credit and Debit—MSR Product and Services—DE 28 Transaction Fee—
Authorization Requests, Advices and Reversals

Table 0400106—Acquirer Credit and Debit—MSR Product and Services—DE 28

Transaction Fee—Authorization Requests, Advices and Reversals
The following test case will test whether an acquirer's Dual Message authorization
application can send DE 28 (Amount, Transaction Fee) for convenience, surcharge,
or access fees, when applicable (in an approved region or country); in Authorization
Request, Advice,and Reversal messages and process the resulting Authorization
Responses containing DE 28 when applicable.

Table 0400106—Acquirer Credit and Debit—MSR Product and Services—DE 28

Transaction Fee—Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCS_00
CVM OF 1
010 0400106000 CUSTOMER DMC_00
1
0 01 1 0 CHOICE 00 ** * * 1 00
Convenience fee or surcharge included in DE 28 and in DE 4 of request
message and returned in response.

POS
PURCHASE MCS_00
CVM OF 1
010 0400106000 CUSTOMER DMC_00
0 02 1 0 CHOICE 00 ** * * 1 00
2 040
0 1 0 DE 39 = 17 00
Convenience fee or surcharge included in DE 28 and in DE 4 of request
message and returned in response.
Full reversal because of customer cancellation.

POS
PURCHASE MCS_00
CVM OF 1
012 0400106000 CUSTOMER DMC_00
3 0 03 1 0 CHOICE 00 ** * 1 00
Convenience fee or surcharge included in DE 28 and in DE 4 of advice
message.
DE 60, SF 1 = 190 (Acquirer Processing System (APS) Approved)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 82
 Dual Message Authorization
Table 0400106—Acquirer Credit and Debit—MSR Product and Services—DE 28 Transaction Fee—
Authorization Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
MSR ATM 6-087
010 0400106000 WITHDRAWAL MSI_001
4 0 11 1 0 ONLINE PIN 01 90 0 V CIR_001 00
ATM access fee included in DE 28 and in DE 4 of request message and
returned in response

MCS_08
MSR ATM 6-087
010 0400106000 WITHDRAWAL MSI_001
0 12 1 0 ONLINE PIN 01 90 0 V CIR_001 00
040
5 0 1 0 DE 39 = 17 00
ATM access fee included in DE 28 and in DE 4 of request message and
returned in response
Full reversal because of customer cancellation with DE 28 included in request
message and returned in response message

MSR ATM MCS_08

BALANCE 6-087
010 0400106000 INQUIRY MSI_001
0 13 1 0 ONLINE PIN 30 90 0 V CIR_001 00
6 ATM Balance Inquiry transaction with DE 28 fee present where allowed and
supported.
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 83
 Dual Message Authorization
Table 0400111—Acquirer Credit and Debit—MSR Product and Services—Funding Transactions—
Authorization Requests and Reversals

Table 0400111—Acquirer Credit and Debit—MSR Product and Services—Funding

Transactions—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Funding Transactions in
Authorization Requests and Reversals, and process the resulting Authorization
responses.

NOTE: Acquirer must be an approved Originating Institution (OI) or transaction will be

rejected.

Table 0400111—Acquirer Credit and Debit—MSR Product and Services—Funding

Transactions—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS MCS_00
FUNDING 1
TRANSACTION DMC_00
AND CVM OF 1
010 0400111000 CUSTOMER MSI_001
0 01 1 1 CHOICE 00 ** * * CIR_001 00
DE 18 = 6538 (Funding Transactions for MoneySend) and DE 48, TCC = R
(Retail)
1
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48, SE 77 = any valid MoneySend value C07, C52-C57, and C65 of
customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0, 1, 2, or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 84
 Dual Message Authorization
Table 0400111—Acquirer Credit and Debit—MSR Product and Services—Funding Transactions—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS MCS_00
FUNDING 1
TRANSACTION DMC_00
AND CVM OF 1
010 0400111000 CUSTOMER MSI_001
0 02 1 1 CHOICE 00 ** * * CIR_001 00
040
0 1 1 DE 39 = ** 00
DE 18 = 6538 (Funding Transactions for MoneySend) and DE 48, TCC = R
(Retail)
2
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48, SE 77 = any valid MoneySend value C07, C52-C57, and C65 of
customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0, 1, 2, or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory
0400: Full reversal for timeout; DE 39 (Response Code) valid value of customer
choice

POS FUNDING MCS_00

TRANSACTION 1
AND CVM OF DMC_00
010 0400111000 CUSTOMER 1
0 11 1 1 CHOICE 00 ** * * MSI_001 00
DE 18 = 4829 (Money Transfer) and DE 48tcc = U (Unique)

3 DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are

mandatory
DE 48, SE 77 any valid money transfer value F07-F08, F52-F55, F61, and F64-
F65 of customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0 or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 85
 Dual Message Authorization
Table 0400111—Acquirer Credit and Debit—MSR Product and Services—Funding Transactions—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS FUNDING MCS_00
TRANSACTION 1
AND CVM OF DMC_00
010 0400111000 CUSTOMER 1
0 12 1 1 CHOICE 00 ** * * MSI_001 00
DE 18 = 6540 ( Mail, or Electronic Commerce)

4 DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are

mandatory
DE 48, SE 77 any valid money transfer value F07-F08, F52-F55, F61, and F64-
F65 of customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0 or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

POS FUNDING MCS_00

REFUND AND 1
CVM OF DMC_00
010 0400111000 CUSTOMER 1
0 21 1 1 CHOICE 20 ** * * MSI_001 00
DE 18 = 4829 (Money Transfer), 6538 (Funding Transactions for MoneySend),
or 6540 (Funding Transactions)
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
5 mandatory
DE 48tcc = R (Retail) or T (Phone, Mail, or Electronic Commerce) for MCC
6538 and 6540; and = U (Unique) for MCC 4829
DE 48, SE 77 any valid value of customer choice is mandatory
DE 61, SF 10 (CAT Level) applicable valid value
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 86
 Dual Message Authorization
Table 0400115—Acquirer Credit and Debit—MSR Product and Services—Mastercard rePower
Load Value Payment Transaction—Authorization Requests and Reversals

Table 0400115—Acquirer Credit and Debit—MSR Product and Services—Mastercard

rePower Load Value Payment Transaction—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and Reversals for Mastercard rePower load value Payment Transactions and
process the resulting Authorization Responses containing DE 54 post-load account
balance except for U.S. exclusion for Debit card accounts.

Table 0400115—Acquirer Credit and Debit—MSR Product and Services—Mastercard

rePower Load Value Payment Transaction—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
PAYMENT
TRANSACTION
AND CVM OF
010 0400115000 CUSTOMER
0 01 1 1 CHOICE 28 ** * * MPP_001 00
1 MasterCard rePower load value payment transaction approved by issuer.
0100: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member
Financial Institution) or 6533 (Payment Transaction - Merchant).
0100: DE 48tcc = P (Payment) and DE 48, SE 77 = C03 (rePower Load Value).
0110: DE 54 contains post-load account balance.

ATM OR POS
PAYMENT
TRANSACTION
AND CVM OF
010 0400115000 CUSTOMER
0 02 1 1 CHOICE 28 ** * * MPP_001 00
040
0 1 1 DE 39 = 17 00
2
MasterCard rePower load value payment transaction request cancelled after
receiving approved request response and reversal submitted by merchant.
0100: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member
Financial Institution) or 6533 (Payment Transaction - Merchant).
0100: DE 48tcc = P (Payment) and DE 48, SE 77 = C03 (rePower Load Value).
0110: DE 54 contains post-load account balance.
0400: Full reversal, DE 39 = 17 (Customer Cancellation).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 87
 Dual Message Authorization
Table 0400121—Acquirer Credit and Debit—MSR Product and Services—Dynamic Currency
Conversion—Authorization Requests

Table 0400121—Acquirer Credit and Debit—MSR Product and Services—Dynamic

Currency Conversion—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can ensure that the account range is associated with a
currency indicator value that allows Dynamic Currency Conversion (DCC). If DCC
services are prohibited for an account range, then acquirers must not allow DCC
services to be offered or applied to face-to-face (ATM/POS) transactions.

NOTE: Acquirers must create their own test card data from test account ranges that allow
DCC and prohibit DCC for the test cases in this table.

Table 0400121—Acquirer Credit and Debit—MSR Product and Services—Dynamic

Currency Conversion—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM BUSINESS
TRANSACTION
OF CUSTOMER SEE
010 0400121000 CHOICE NOTE
0 01 1 1 ONLINE PIN ** ** * V ABOVE 00
1 Accounnt range identified as prohibiting DCC for face-to-face (ATM)
transactions and thus no DCC sent in Authorization Request/0100 message
DE 4 (Amount, Transaction) contains the amount in the local transaction
currency and DE 49 (Currency Code, Transaction) contains the code for the
transaction currency

ATM BUSINESS
TRANSACTION
OF CUSTOMER SEE
010 0400121000 CHOICE NOTE
0 02 1 1 ONLINE PIN ** ** * V ABOVE 00
Account range identified as allowing DCC for face-to-face (ATM/POS)
2 ttransaction and thus DCC sent in Authorization Request/0100 message
DE 4 (Amount, Transaction) contains the amount in the dynamic conversion
currency and DE 49 (Currency Code, Transaction) contains the code for the
dynamic conversion currency
DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account);
SF 2 (Amount Type) = 58 (POI Amount); SF 3 (Currency Code) different than
DE 49; and SF 4 (Amount) in the pre-conversion currency

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 88
 Dual Message Authorization
Table 0400121—Acquirer Credit and Debit—MSR Product and Services—Dynamic Currency
Conversion—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP
BUSINESS
TRANSACTION
AND CVM OF SEE
010 0400121000 CUSTOMER NOTE
0 03 1 1 CHOICE ** ** * * ABOVE 00
3
Accounnt range identified as prohibiting DCC for face-to-face (ATM)
transactions and thus no DCC sent in Authorization Request/0100 message
DE 4 (Amount, Transaction) contains the amount in the local transaction
currency and DE 49 (Currency Code, Transaction) contains the code for the
transaction currency

POS CP
BUSINESS
TRANSACTION
AND CVM OF SEE
010 0400121000 CUSTOMER NOTE
0 04 1 1 CHOICE ** ** * * ABOVE 00
Account range identified as allowing DCC for face-to-face (POS) ttransaction
4 and thus DCC sent in Authorization Request/0100 message
DE 4 (Amount, Transaction) contains the amount in the dynamic conversion
currency and DE 49 (Currency Code, Transaction) contains the code for the
dynamic conversion currency
DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account);
SF 2 (Amount Type) = 58 (POI Amount); SF 3 (Currency Code) different than
DE 49; and SF 4 (Amount) in the pre-conversion currency

POS CNP
BUSINESS
TRANSACTION
AND CVM OF SEE
010 0400121000 CUSTOMER NOTE
0 05 1 1 CHOICE ** ** * ABOVE 00
Accounnt range identified as prohibiting DCC for face-to-face (ATM/POS)
5 transactions but DCC is allowed for POS card not present transactions and
thus DCC sent in Authorization Request/0100 message
DE 4 (Amount, Transaction) contains the amount in the dynamic conversion
currency and DE 49 (Currency Code, Transaction) contains the code for the
dynamic conversion currency
DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account);
SF 2 (Amount Type) = 58 (POI Amount); SF 3 (Currency Code) different than
DE 49; and SF 4 (Amount) in the pre-conversion currency

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 89
 Dual Message Authorization
Table 0400130—Acquirer Credit and Debit—MSR Product and Services—Unsolicited Balance
Responses—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CNP
BUSINESS
TRANSACTION
AND CVM OF SEE
010 0400121000 CUSTOMER NOTE
0 06 1 1 CHOICE ** ** * ABOVE 00
Account range identified as allowing DCC for face-to-face (ATM/POS)
6 ttransactions but DCC is also allowed for POS card not present transactions
and thus DCC sent in Authorization Request/0100 message
DE 4 (Amount, Transaction) contains the amount in the dynamic conversion
currency and DE 49 (Currency Code, Transaction) contains the code for the
dynamic conversion currency
DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account);
SF 2 (Amount Type) = 58 (POI Amount); SF 3 (Currency Code) different than
DE 49; and SF 4 (Amount) in the pre-conversion currency

Table 0400130—Acquirer Credit and Debit—MSR Product and Services—Unsolicited

Balance Responses—Authorization Requests
The following test case will test whether an acquirer's Dual Message authorization
application can send correctly formatted Authorization Request for a POS
purchase request and process the resulting approved Authorization Response
containing "unsolicited" balance response data for an eligible prepaid account.

Table 0400130—Acquirer Credit and Debit—MSR Product and Services—Unsolicited

Balance Responses—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400130000 PURCHASE MPP_001
0 01 1 1 SIGNATURE 00 90 0 -002 00
1
0110: DE 54, SF 2 (Account Type) = 02 (Available Balance) containing
"unsolicited" account balance data on eligible prepaid account to the POS
terminal

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 90
 Dual Message Authorization
Table 0400190—Acquirer Credit and Debit—MSR Product and Services—Gambling Transactions
and Gaming Payment Transactions—Authorization Requests

Table 0400190—Acquirer Credit and Debit—MSR Product and Services—Gambling

Transactions and Gaming Payment Transactions—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
gambling value and gaming payments and receive the resulting Authorization
Responses.

NOTE: Such transactions are restricted to where permitted by law.

Table 0400190—Acquirer Credit and Debit—MSR Product and Services—Gambling

Transactions and Gaming Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
AND CVM OF DMC_00
010 0400190000 CUSTOMER 1
0 01 1 0 CHOICE 00 ** * * MSI_001 00
Gambling purchase transaction

1 DE 4 (Amount, Transaction) may not exceed maximum amount if applicable

DE 18 (Merchant Type) and DE 48tcc applicable values for the type of
gambling transaction
DE 48, SE 42 (Electronic Commerce Indicators) and SE 43 (UCAF) and/or DE
48, SE 92 (CVC 2) may be present when applicable

NOTE: Merchant country must not prohibit this type of gambling transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 91
 Dual Message Authorization
Table 0400190—Acquirer Credit and Debit—MSR Product and Services—Gambling Transactions
and Gaming Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
POS PAYMENT 1
AND CVM OF DMC_00
010 0400190000 CUSTOMER 1
0 02 1 0 CHOICE 28 ** * MSI_001 00
Gaming payment transaction
DE 4 (Amount, Transaction) may not exceed maximum amount if applicable
2 DE 18 (Merchant Type) applicable values for the type of gambling transaction
and DE 48tcc = P (Payment)
DE 48, SE 77 (Transaction Type Identifier) = C04 (Gaming Re-pay)
DE 108, SE 02 (Sender Data) applicable subfields and SE 03 (Transaction
Reference Data) applicable subfields

NOTE: Merchant country must not prohibit this type of gaming payment
transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 92
 Dual Message Authorization
Table 0400321—Acquirer Credit and Debit—MSR Product and Services—PIN Management
Service—Authorization Requests and Reversal

Table 0400321—Acquirer Credit and Debit—MSR Product and Services—PIN

Management Service—Authorization Requests and Reversal
The following test cases will test whether an ATM PIN Management participating
acquirer's Dual Message authorization application can send ATM magnetic stripe
PIN Change transactions in Authorization Requests or Reversals and process the
resulting Authorization Responses containing issuer approval or decline response.

Table 0400321—Acquirer Credit and Debit—MSR Product and Services—PIN

Management Service—Authorization Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
6-087
DMC_00
MSR ATM PIN 1
1 010 0400321000 CHANGE MSI_001
0 01 1 N/A ONLINE PIN 92 90 * V CIR_001 00
DE 125 present and PIN is changed, and DE 28 fee present where allowed and
supported.

MCS_08
6-087
DMC_00
MSR ATM PIN 1
010 0400321000 CHANGE MSI_001
0 02 1 N/A ONLINE PIN 92 90 * V CIR_001 00
2
040
0 1 N/A DE 39 = 00 00
DE 125 present and PIN is changed.
0400: Full reversal to allow reset of cardholder PIN to its value prior to the PIN
change request.

MCS_12
6
DMC_12
3 MSR ATM PIN 6
010 0400321000 CHANGE MSI_126
0 03 1 N/A ONLINE PIN 92 90 * V CIR_126 71
DE 125 present but PIN is not changed

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 93
 Dual Message Authorization
Table 0400321—Acquirer Credit and Debit—MSR Product and Services—PIN Management
Service—Authorization Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_12
7
DMC_12
4 MSR ATM PIN 7
010 0400321000 CHANGE MSI_127
0 04 1 N/A ONLINE PIN 92 90 * V CIR_127 57
DE 125 present but transaction is not permitted to Issuer/Cardholder
MCS_12
8
DMC_12
5 MSR ATM PIN 8
010 0400321000 CHANGE MSI_128
0 05 1 N/A ONLINE PIN 92 90 * V CIR_128 89
DE 125 present but contains an invalid PIN

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 94
 Dual Message Authorization
Table 0400401—Acquirer Credit and Debit—MSR Product and Services—Merchant Advice Code—
Authorization Requests

Table 0400401—Acquirer Credit and Debit—MSR Product and Services—Merchant

Advice Code—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can receive and process merchant advice codes in
Authorization Request Response messages.

NOTE: Acquirers must submit an appropriate DE 4 (Amount, Transaction) value to obtain

the desired response value.

Table 0400401—Acquirer Credit and Debit—MSR Product and Services—Merchant

Advice Code—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
POS BUSINESS DMC_00
TRANSACTION 0
AND CVM OF MSI_000
010 0400401000 CUSTOMER PVL_000
1
0 01 1 0 CHOICE ** ** * * PVC_000 00
DE 4 (Amount, Transaction) = nnnnnnnn8410 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8410 in position 9-12 to obtain desired response
0110: DE 48, SE 84 = 01 (New account information available).
MCS_00
0
POS BUSINESS DMC_00
TRANSACTION 0
AND CVM OF MSI_000
010 0400401000 CUSTOMER PVL_000
2 0 02 1 0 CHOICE ** ** * * PVC_000 51
DE 4 (Amount, Transaction) = nnnnnnnn8426 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8426 in position 9-12 to obtain desired response
0110: DE 48, SE 84 = 02 (Cannot approve at this time, try again later)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 95
 Dual Message Authorization
Table 0400401—Acquirer Credit and Debit—MSR Product and Services—Merchant Advice Code—
Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
POS BUSINESS DMC_00
TRANSACTION 0
AND CVM OF MSI_000
010 0400401000 CUSTOMER PVL_000
3 0 03 1 0 CHOICE ** ** * * PVC_000 05
DE 4 (Amount, Transaction) = nnnnnnnn8435 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8435 in position 9-12 to obtain desired response
0110: DE 48, SE 84 = 03 (Do not try again)

MCS_00
0
POS BUSINESS DMC_00
TRANSACTION 0
AND CVM OF MSI_000
010 0400401000 CUSTOMER PVL_000
0 04 1 0 CHOICE ** ** * * PVC_000 05
4
DE 4 (Amount, Transaction) = nnnnnnnn8455 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8455 in position 9-12 to obtain desired response
0100: DE 61, SF 4 = 4 (Recurring Payment)
0110: DE 48, SE 84 = 21 (Payment Cancellation [Mastercard use only])

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 96
 Dual Message Authorization
Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Global)—Authorization Requests and Advices

Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment

Payment Service (Global)—Authorization Requests and Advices
The following test cases will test whether an acquirer Dual Message authorization
application is able to send properly formatted installment payment Authorization
Requests and optional Authorization Advices for global transactions; and process
the resulting Authorization Responses containing issuer provided installment
payment terms and optional message.

NOTE: Acquirers must submit the designated DE 4 amount value to trigger the appropriate
issuer response data.

Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment

Payment Service (Global)—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 01 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
1 installments.
DE 48, SE 95 = MCINST.
DE 4 must be 950.00 to obtain appropriate DE 112 response.
0110: DE 112 not present indicating issuer does not offer installment payment
plan.

POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 02 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
2 installments.
DE 48, SE 95 = MCINST.
DE 4 must be 951.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 20F indicating issuer offers "Pay in Full Only", no
installments.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 97
 Dual Message Authorization
Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Global)—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 03 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
3
DE 48, SE 95 = MCINST.
DE 4 must be 952.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 20I indicating issuer offers "Pay in Installments Only"
and SE 022 contains one occurrence (60 bytes) of different interest
rate/APR/Fee based on number of installments.
0110: optional DE 123 contains issuer message for merchant.

POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 04 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
4
DE 48, SE 95 = MCINST.
DE 4 must be 953.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 20B indicating issuer offers "Pay in Full or Pay in
Installments" and SE 022 contains max (12) occurrences (720 bytes) of
different interest rate/APR/Fee based on number of installments.
0110: optional DE 123 contains issuer message for merchant.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 98
 Dual Message Authorization
Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Global)—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 05 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
5
DE 48, SE 95 = MCINST.
DE 4 must be 954.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 20I indicating issuer offers "Pay in Installments Only"
and SE 023 contains specific interest rateAPR/Fee for a range of installment
payments.
0110: optional DE 123 contains issuer message for merchant.

POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 06 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
6
DE 48, SE 95 = MCINST.
DE 4 must be 955.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 20B indicating issuer offers "Pay in Full or Pay in
Installments" and SE 023 contains specific interest rateAPR/Fee for a range
of installment payments.
0110: optional DE 123 contains issuer message for merchant.

POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 07 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
7 installments.
DE 48, SE 95 = MCINST.
DE 4 must be 956.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 20F indicating issuer offers "Pay in Full Only" and SE
22 present.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 99
 Dual Message Authorization
Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Global)—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
CVM OF DMC_00
012 0400411000 CUSTOMER 1
0 08 1 N/A CHOICE 00 ** * * MSI_001 00
Acquirer submits optional advice indicating the exact installment payment
option agreed between issuer and cardholder.
8
DE 48, SE 95 = MCINST.
DE 4 may be any amount except 850.00-856.00 or 950.00-956.00 that was
used for other requests.
DE 112, SE 021 = 20I indicating issuer offers "Pay in Installments Only" and
SE 022 contains one occurrence.
DE 60, SF 1 = 190 (Acquirer Processing System (APS) Approved)

POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 21 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
9 installments.
DE 48, SE 95 = MCINST.
DE 4 must be 851.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 24F indicating issuer offers "Pay in Full Only", no
Issuer Merchant Co-Financed installments.

POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 22 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
10
DE 48, SE 95 = MCINST.
DE 4 must be 852.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 24I indicating Issuer Merchant Co-Financed offers
"Pay in Installments Only" and SE 022 contains one occurrence (60 bytes) of
different interest rate/APR/Fee based on number of installments.
0110: optional DE 123 contains issuer message for merchant.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 100
 Dual Message Authorization
Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Global)—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 23 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
11 DE 48, SE 95 = MCINST.
DE 4 must be 853.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 24B indicating Issuer Merchant Co-Financed offers
"Pay in Full or Pay in Installments" and SE 022 contains max (12) occurrences
(720 bytes) of different interest rate/APR/Fee based on number of
installments.
0110: optional DE 123 contains issuer message for merchant.

POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 24 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
12
DE 48, SE 95 = MCINST.
DE 4 must be 854.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 24I indicating Issuer Merchant Co-Financed offers
"Pay in Installments Only" and SE 023 contains specific interest rateAPR/Fee
for a range of installment payments.
0110: optional DE 123 contains issuer message for merchant.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 101
 Dual Message Authorization
Table 0400411—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Global)—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400411000 CUSTOMER 1
0 25 1 N/A CHOICE 00 ** * * MSI_001 00
Installment payment transaction from terminal that is capable of
installments.
13
DE 48, SE 95 = MCINST.
DE 4 must be 855.00 to obtain appropriate DE 112 response.
0110: DE 112, SE 021 = 24B indicating Issuer Merchant Co-Finance offers
"Pay in Full or Pay in Installments" and SE 023 contains specific interest
rateAPR/Fee for a range of installment payments.
0110: optional DE 123 contains issuer message for merchant.

POS MCS_00
PURCHASE 1
CVM OF DMC_00
012 0400411000 CUSTOMER 1
0 26 1 N/A CHOICE 00 ** * * MSI_001 00
Acquirer submits optional advice indicating the exact installment payment
option agreed between issuer and cardholder.
14
DE 48, SE 95 = MCINST.
DE 4 may be any amount except 850.00-856.00 or 950.00-956.00 that was
used for other requests.
DE 112, SE 021 = 24I indicating issuer offers "Pay in Installments Only" and
SE 022 contains one occurrence.
DE 60, SF 1 = 190 (Acquirer Processing System (APS) Approved).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 102
 Dual Message Authorization
Table 0400435—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Funding Transactions—Authorization Requests

Table 0400435—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Funding Transactions—Authorization Requests
The following test cases will test whether an Originating Institution (OI) Dual
Message authorization application that is participating in Merchant Presented QR
can process Authorization Requests and Responses for Merchant Presented QR
Funding Transactions with PANs or tokens.

Table 0400435—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Funding Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_13
PURCHASE 0
AND CVM OF DMC_13
010 0400435000 CUSTOMER 0
0 01 1 N/A CHOICE 00 ** * * MSI_130 00
Merchant Presented QR Funding domestic transaction containing token PAN
DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
response message from simulator
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Funding
DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required
1
DE 48, SE 32 (Mastercard Assigned ID) and DE 48, SE 37, SF 1 (Payment
Facilitator ID) and SF 3 (Sub-Merchant ID) present if available and required
DE 48, SE 42 (Electronic Commerce Indicators) = 242 (DSRP) with SE 43
(UCAF) only if applicable for the submitted DE 22, SF 1 (POS Entry Mode)
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 03, SF 01 (Unique Transaction Reference) is mandatory; SE 05, SF
02 (Merchant Presented QR Receiving Account Number) is optional; and SE 06
(QR Dynamic Code Data) is optional. All other DE 108 data fields are dropped
on incoming message.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology)
0110: DE 56 (Payment Account Data)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 103
 Dual Message Authorization
Table 0400435—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Funding Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS MCS_00
PURCHASE 1
AND CVM OF DMC_00
010 0400435000 CUSTOMER 1
0 02 1 1 CHOICE 00 ** * * MSI_001 00
Merchant Presented QR Funding domestic transaction containing non-token
PAN
DE 2 (Primary Account Number) contains a PAN
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Funding
2
DE 48, SE 32 (Mastercard Assigned ID) and DE 48, SE 37, SF 1 (Payment
Facilitator ID) and SF 3 (Sub-Merchant ID) are present if available and
required
DE 48, SE 42 (Electronic Commerce Indicators) = 212 (SecureCode) with SE
43 (UCAF) only if applicable for the submitted DE 22, SF 1 (POS Entry Mode)
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 03, SF 01 (Unique Transaction Reference) is mandatory; SE 05, SF
02 (Merchant Presented QR Receiving Account Number) is optional; and SE 06
(QR Dynamic Code Data) is optional. All other DE 108 data fields are dropped
on incoming message.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 104
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card

Transactions—Authorization and Reversal Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization and Reversal
Requests for Visa card transactions and process the resulting Authorization
Responses.

NOTE: DE 37 (Retrieval Reference Number) must be included in each of these test cases
containing a 12 position value in the format described in Customer Interface Specification
manual.

Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card

Transactions—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS ACCOUNT
FUNDING
BUSINESS
TRANSACTION
AND CVM OF
1 010 0400444000 CUSTOMER
0 01 1 N/A CHOICE 10 ** * * VIS_100 00
Visa card Account Funding transaction
Must contain all appropriate DE 48 Visa specific subelements and other data
for this transaction

CREDENTIAL
ON FILE
010 0400444000 PURCHASE NO
0 02 1 N/A CVM 00 10 0 VIS_100 00
2 Visa card Credential on File transaction
DE 48, SE 86 (Relationship Participant Indicator) = C (Credential on File)
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 105
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
3 0 03 1 N/A CHOICE ** ** * * VIS_100 00
Visa card transaction containing DE 48, SE 36 (Merchant Verification Value)
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

ELECTRONIC
COMMERCE VIS_210
010 0400444000 PURCHASE NO VIS_211
0 04 1 N/A CVM 00 81 6 VIS_212 00
Visa card electronic commerce transaction
DE 48, SE 42 (Electronic Commerce Indicators); SE 43 (3—D Secure Electronic
4 Commerce Verification Service); and SE 44 (3—D Secure Electronic Commerce
Transaction Identifier (XID) containing appropriate values of customer choice.
0110: DE 48, SE 45 (3—D Secure Electronic Commerce Transaction Response
Code) contents are dependent upon which Card ID is used.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction.

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
5 0 05 1 N/A CHOICE ** ** * * VIS_100 00
Visa card transaction containing DE 48, SE 46 (Product ID) in response
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 106
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 06 1 N/A CHOICE ** ** * * VIS_100 00
Visa card transaction containing DE 48, SE 78 (Payment Service Indicators)
6 applicable subfields and values in request for Dynamic Currency Conversion,
U.S. Deferred Billing, Visa Checkout, and Message Reason Code as applicable
per customer choice; and in response for Spend Qualified Indicator. Spaces
must be provided in any of the unused subfields.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction.

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 07 1 N/A CHOICE ** ** * * VIS_140 00
7 Visa card transaction containing DE 48, SE 82 = 52 (AVS with Authorization)
and DE 120 (AVS Record Data) in request and Visa-specific AVS response
codes in DE 48, SE 83 of response.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction.

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 08 1 N/A CHOICE ** ** * * VIS_141 00
8
Visa card transaction containing DE 48, SE 84 (Visa Response Codes) in
response if an alphanumeric value in DE 39 of response.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 107
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 09 1 N/A CHOICE ** ** * * VIS_141 00
9
Visa card transaction containing DE 48, SE 85 (Account Status) in response
indicates if account is regulated or not.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction.

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 10 1 N/A CHOICE ** ** * * VIS_100 00
10
Visa card transaction contains DE 48, SE 86 (Relationship Participant
Indicator) applicable value in request
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS CNP
BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
11 0 11 1 N/A CHOICE ** ** * * VIS_142 00
Visa card transaction containing DE 48, SE 87 (CVV2 Response) in response.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 108
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF VIS_106
010 0400444000 CUSTOMER VIS_107
0 13 1 N/A CHOICE ** ** * * VIS_108 00
Visa card qualified for CPS.
DE 4 (Amount, Transaction) = 000000021300 value to obtain the desired DE
12 48 response value
DE 48, SE 90 = Y (Request for Customer Payment Service participation)
0110: DE 48, SE 90 = A (CPS qualified) and DE 48, SE 91 contains Validation
Code, Transaction ID, or both depending upon which specified Card ID was
used.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF VIS_106
010 0400444000 CUSTOMER VIS_107
0 14 1 N/A CHOICE ** ** * * VIS_108 00
Visa card incremental authorization previously qualified for CPS.
DE 4 (Amount, Transaction) = 000000021400 value to obtain the desired DE
13 48 response value
DE 48, SE 90 = I (Incremental authorization) and DE 48, SE 91 contains
Validation Code, Transaction ID, or both that were provided in original
authorization response.
0110: DE 48, SE 90 = I (Incremental authorization).
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 109
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF VIS_106
010 0400444000 CUSTOMER VIS_107
0 15 1 N/A CHOICE ** ** * * VIS_108 00
040
0 1 N/A DE 39 = 17 00
Visa card qualified for CPS followed by full reversal due to customer
cancellation.
DE 4 (Amount, Transaction) = 000000021300 value to obtain the desired DE
14 48 response value
DE 48, SE 90 = Y (Request for Customer Payment Service participation)
0110: DE 48, SE 90 = A (CPS qualified) and DE 48, SE 91 contains Validation
Code, Transaction ID, or both depending upon which specified Card ID was
used.
0400: DE 48, SE 90 = Y (Request for Customer Payment Service participation)
and DE 48, SE 90 containing Validation Code, Transaction ID, or both that
were provided in original authorization response.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF VIS_106
010 0400444000 CUSTOMER VIS_107
0 16 1 N/A CHOICE ** ** * * VIS_108 00
Visa card transaction by preferred customer.
DE 4 (Amount, Transaction) = 000000021600 value to obtain the desired DE
15 48 response value
DE 48, SE 90 = P (Preferred customer)
0110: DE 48, SE 90 = P (Preferred customer) and DE 48, SE 91 contains
Validation Code, Transaction ID, or both depending upon which specified Card
ID was used.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 110
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF VIS_106
010 0400444000 CUSTOMER VIS_107
0 17 1 N/A CHOICE ** ** * * VIS_108 00
Visa card transaction for recurring customer.
DE 4 (Amount, Transaction) = 000000021300 value to obtain the desired DE
16 48 response value
DE 48, SE 90 = R (Recurring payment)
0110: DE 48, SE 90 = R (Recurring payment) and DE 48, SE 91 contains
Validation Code, Transaction ID, or both depending upon which specified Card
ID was used.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 18 1 N/A CHOICE ** ** * * VIS_142 00
17
Visa card transaction contains DE 48, SE 92 (CVV2 Data) applicable values
(six positions) in request
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 19 1 N/A CHOICE ** ** * * VIS_100 00
18
Visa card transaction contains DE 48, SE 93 (Fleet Card ID Request Data)
applicable values in request
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 111
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 20 1 N/A CHOICE ** ** * * VIS_143 00

19 Visa card transaction contains DE 48, SE 94 (Commercial Card Inquiry

Request) applicable values in request
0110: DE 48, SE 94 (Commercial Card Inquiry Response) contains inquiry
response data
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 21 1 N/A CHOICE ** ** * * VIS_100 00
20
Visa card transaction containing DE 48, SE 96 (Visa Market-Specific Data
Identifier) value of customer choice
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 22 1 N/A CHOICE ** ** * * VIS_100 00
21
Visa card transaction containing DE 48, SE 97 (Prestigious Properties
Indicator) value of customer choice
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 112
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS
010 0400444000 TRANSACTION
0 51 1 N/A AND NO CVM 00 ** * VIS_110 00
Visa card token request.
DE 4 equals zeros, DE 61, SF 7 = 8 (Account Status Inquiry Service)
DE 48, SE 33, SF 6 (Token Requestor ID) as assigned by the Visa Token Vault
22 to the Token Requestor.
DE 48, SE 82 = 52 (AVS request) and DE 120 AVS data are present; and SE 92
CVV2 optional data present.
0110: DE 48, SE 33, SF 1 = C (Device Token), SF 2 contains Token, SF 5
contains Token Assurance Level, and SF 6 contains the Token Requestor ID.
0110: DE 48, SE 83 = D (Street address and postal code match); SE 87 = M
(CVV2 match).
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
0 52 1 N/A CHOICE ** ** * * VIS_111 00
Visa card token business transaction.
23 DE 48, SE 33, SF 6 (Token Requestor ID) as assigned by the Visa Token Vault
to the Token Requestor.
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 contains last 4
digits of Visa PAN, SF 5 contains Token Assurance Level, SF 6 contains Token
Requestor ID, and SF 7 contains PAN Account Range.
Must contain all other appropriate DE 48 Visa specific subelements and other
data for this transaction

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400444000 CUSTOMER
24
0 53 1 N/A CHOICE ** ** * * VIS_100 00
DE 48, SE 37, SF 2 (Marketplace ID) contains the Marketplace ID assigned by
Visa.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 113
 Dual Message Authorization
Table 0400444—Acquirer Credit and Debit—MSR Product and Services—Visa Card Transactions—
Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
25 010 0400444000 CUSTOMER
0 54 1 N/A CHOICE ** ** * * VIS_100 00
DE 48, SE 37, SF 1 (Payment Facilitator ID) assigned by Visa

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 114
 Dual Message Authorization
Table 0400461—Acquirer Credit and Debit—MSR Product and Services—Partial Approval—
Authorization Request and Advice and Reversal

Table 0400461—Acquirer Credit and Debit—MSR Product and Services—Partial

Approval—Authorization Request and Advice and Reversal
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization messages
indicating merchant terminal supports partial approvals and process the resulting
Authorization Response messages containing partial approval response
information as well as send Reversal Requests and Completion Advices for partial
approved Requests.

Table 0400461—Acquirer Credit and Debit—MSR Product and Services—Partial

Approval—Authorization Request and Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
2-084
POS DMC_08
PURCHASE 2-084
BUSINESS MSI_082-
TRANSACTION 084
AND CVM OF PVL_182
010 0400461000 CUSTOMER -184 PVC
0 01 1 1 CHOICE 00 ** * * 182-184 10
1 Merchant terminal supports partial approval and issuer test cards provide
partial approval response.
Acquirer may adjust DE 4 request amount to obtain partial approval amount
less than, equal to, or greater than requested amount.
DE 48, SE 61, position 1 = 1 (Merchant terminal supports receipt of partial
approvals)
0110: DE 4 and DE 6 contain partial approval amounts; DE 54 contains
original amount and associated information

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 115
 Dual Message Authorization
Table 0400461—Acquirer Credit and Debit—MSR Product and Services—Partial Approval—
Authorization Request and Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
2-084
POS DMC_08
PURCHASE 2-084
BUSINESS MSI_082-
TRANSACTION 084
AND CVM OF PVL_182
010 0400461000 CUSTOMER -184 PVC
0 02 1 1 CHOICE 00 ** * * 182-184 10
040
0 1 1 DE 39 = ** 00
2 Merchant terminal supports partial approval and issuer test cards provide
partial approval response. Acquirer may adjust DE 4 request amount to obtain
partial approval amount less than, equal to, or greater than requested
amount. Acquirer request is followed by an acquirer reversal.
0100: DE 48, SE 61, position 1 = 1 (Merchant terminal supports receipt of
partial approvals)
0110: DE 4 and DE 6 contain partial approval amounts; DE 54 (Additional
Amounts) contains original amount and associated information
0400: Full reversal or partial reversal of partial approval amount. DE 39
(Response Code) indicates reason for reversal. DE 95, SF 1 (Actual Amount,
Transaction) contains the completion amount.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 116
 Dual Message Authorization
Table 0400461—Acquirer Credit and Debit—MSR Product and Services—Partial Approval—
Authorization Request and Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
2-084
POS DMC_08
PURCHASE 2-084
BUSINESS MSI_082-
TRANSACTION 084
AND CVM OF PVL_182
010 0400461000 CUSTOMER -184 PVC
0 03 1 1 CHOICE 00 ** * * 182-184 10
012
0 1 1 DE 39 = 00 00
Merchant terminal supports partial approval and issuer test cards provide
3 partial approval response. Acquirer sends completion advice for the partial
approval amount.
Acquirer may adjust DE 4 request amount to obtain partial approval amount
less than, equal to, or greater than requested amount.
0100: DE 48, SE 61, position 1 = 1 (Merchant terminal supports receipt of
partial approvals)
0110: DE 4 and DE 6 contain partial approval amounts; DE 54 contains
original amount and associated information
0120: DE 4 contains partial approval amount not to exceed the 0110 DE 4
partial approval amount
0120: DE 39 = 00 (Approved); DE 48, SE 20 (CVM) = P or S; DE 60 = 191 (APS
completion)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 117
 Dual Message Authorization
Table 0400470—Acquirer Credit and Debit—MSR Product and Services—Debit Mastercard
Merchant Acceptance (Canada)-Authorization Requests

Table 0400470—Acquirer Credit and Debit—MSR Product and Services—Debit

Mastercard Merchant Acceptance (Canada)-Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
domestic Debit Mastercard branded transactions in the Canada region and
process the resulting Authorization Response messages.

Table 0400470—Acquirer Credit and Debit—MSR Product and Services—Debit

Mastercard Merchant Acceptance (Canada)-Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400470000 CUSTOMER DMC_22
0 01 1 1 CHOICE ** ** * * 7 00
Transaction initiated by Canada region merchant using Debit Mastercard card
issued by Canada issuer when account is not co-branded for domestic
1
functionality:
DE 48, SE 18 (Service Parameters) = Y (The merchant accepts Canada
domestic Debit Mastercard cards.)
0100: DE 61, SF 13 = 124 (Canada)

NOTE: Set up account range as: Cobranded = N and Non Face to Face = N

POS CNP
BUSINESS
TRANSACTION
OF CUSTOMER
010 0400470000 CHOICE NO DMC_22
0 02 1 1 CVM ** ** * 6 00
Transaction initiated by Canada region merchant using Debit Mastercard card
2
issued by Canada issuer for non-face-to-face transactions:
DE 48, SE 18 (Service Parameters) = Y (The merchant accepts Canada
domestic Debit Mastercard cards)
0100: DE 61, SF 13 = 124 (Canada)

NOTE: Set up account range as: Cobranded = Y and Non Face to Face = N

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 118
 Dual Message Authorization
Table 0400470—Acquirer Credit and Debit—MSR Product and Services—Debit Mastercard
Merchant Acceptance (Canada)-Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400470000 CUSOTMER DMC_22
0 03 1 1 CHOICE ** ** * * 5 81
Decline response code value forwarded when transaction is initiated by
3 Canada region merchant using Debit Mastercard card issued by Canada
issuer when account range is set up for international only routing.
DE 61, SF 13 = 124 (Canada)
0110: DE 39 = 81 (Domestic Debit Tran Not Allowed)

NOTE: Set up account range as: Cobranded = Y and Non Face to Face = Y

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400470000 CUSOTMER MCS_00
4 0 04 1 1 CHOICE ** ** * * 1 00
Mastercard credit card transaction
DE 48, SE 18, SF 1 (Canada Domestic Indicator) is present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 119
 Dual Message Authorization
Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Authorization and Reversal Requests

Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-time

Substantiation (U.S. Region)—Authorization and Reversal Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Real-time Substantiation
Authorization and Reversal Requests, and process the resulting Authorization
Responses.
This section addresses real-time substantiation at the Point-of-Service (POS) for
U.S. healthcare qualified expenses incurred on Flexible Spending Account (FSA)
and Healthcare Reimbursement Arrangement (HRA) cards when used at a
merchant with a qualifying Inventory Information Approval System (IIAS) or at a
90 percent merchant.

NOTE: Test cases assume merchant is SIGIS-compliant and terminal verified the purchased
items against an IIAS.

Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-time

Substantiation (U.S. Region)—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 01 1 1 CHOICE ** ** * * 4 00
Merchant verifies against IIAS and provides prescription eligibility amount
equal to healthcare eligibility amount.
1 DE 48, SE 32 contains the merchant Mastercard Assigned ID
DE 48, SE 61, SF 3 = 1 (Merchant terminal verified the purchased items
against an Inventory Information Approval System [IIAS])
DE 4 (Amount, Transaction) and DE 54 SF 4 (Amount) for SF 2 (Amount Type)
10 (Healthcare Eligibility Amount) and 11 (Prescription Eligibility Amount) all
contain the same amount value
Full approval of healthcare eligibility amount for prescription.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 120
 Dual Message Authorization
Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 02 1 1 CHOICE ** ** * * 4 00
Merchant verifies against IIAS and provides healthcare eligibility amount only.
2 DE 48, SE 32 contains the merchant Mastercard Assigned ID
DE 48, SE 61, SF 3 = 1 (Merchant terminal verified the purchased items
against an Inventory Information Approval System [IIAS])
DE 4 (Amount, Transaction) and DE 54 SF 4 (Amount) for SF 2 (Amount Type)
10 (Healthcare Eligibility contain the same amount value
Full approval of healthcare eligibility amount.

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 03 1 1 CHOICE ** ** * * 4 00
Merchant verifies against IIAS and provides healthcare and prescription
eligibility amounts.
3 DE 48, SE 32 contains the merchant Mastercard Assigned ID
DE 48, SE 61, SF 3 = 1 (Merchant terminal verified the purchased items
against an Inventory Information Approval System [IIAS])
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4
(Amount) for SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 11
(Prescription Eligibility Amount)
Full approval of healthcare eligibility amount including prescriptions.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 121
 Dual Message Authorization
Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 04 1 1 CHOICE ** ** * * 8 10
040
0 1 1 DE 39 = 17 00
Merchant terminal supports partial approvals and merchant verifies against
IIAS and provides healthcare and prescription eligibility amounts.
DE 48, SE 32 contains the merchant Mastercard Assigned ID
DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial
4 approvals)
DE 48, SE 61, SF 3 = 1 (Merchant terminal verified the purchased items
against an Inventory Information Approval System [IIAS])
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4
(Amount) for SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 11
(Prescription Eligibility Amount)
Partial approval of healthcare eligibility amount including prescriptions.
0110: DE 54, SF 2 (Amount Type) = 57 (Original Amount) contains the amount
from the 0100 DE 4 (Amount, Transaction)
Reversing issuer partial approval because cardholder cancelled purchase.
0400: DE 95, SF 1 contains the partial approval amount from 0110 message

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 05 1 1 CHOICE ** ** * * 4 00
Merchant exempt from IIAS
5
DE 48, SE 61, SF 3 = 2 (Merchant claims exemption from using an IIAS based
on the IRS 90 percent rule)
DE 54 may contain SF 4 (Amount) for SF 2 (Amount Type) 10 (Healthcare
Eligibility Amount) and 11 (Prescription Eligibility Amount) or only for 10
(Healthcare Eligibility Amount)
Full approval of total amount

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 122
 Dual Message Authorization
Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 06 1 1 CHOICE ** ** * * 4 00
Merchant verifies against IIAS and provides vision RX eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
6
DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 12 (Vision Rx Eligibility Amount) only
DE 4 (Amount, Transaction) and DE 54 SF 4 (Amount) for SF 2 (Amount Type)
12 (Vision RX Eligibility Amount) contain the same amount value
Full approval of total amount

POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 07 1 1 CHOICE ** ** * * 4 00
Merchant verifies against IIAS and provides healthcare eligibility amount and
vision RX eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
7 DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount) and 12 (Vision
Rx Eligibility Amount)
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4
(Amount) for SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 12
(Vision Rx Eligibility Amount)
Full approval of total amount

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 123
 Dual Message Authorization
Table 0400471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0400471000 CUSTOMER MCS_18
0 08 1 1 CHOICE ** ** * * 4 00
Merchant verifies against IIAS and provides healthcare eligibility amount,
prescription eligibility amount, and vision RX eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
8 DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount), 11
(Prescription Eligibility Amount), and 12 (Vision Rx Eligibility Amount)
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4
(Amount) for SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 12
(Vision Rx Eligibility Amount). The amount type 11 is included in amount type
10.
Full approval of total amount

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 124
 Dual Message Authorization
Table 0400501—Acquirer Credit and Debit—MSR Product and Services—Parcelas Payment
Transactions (Brazil)—Authorization Requests

Table 0400501—Acquirer Credit and Debit—MSR Product and Services—Parcelas

Payment Transactions (Brazil)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses containing installment
transactions within Brazil.

Table 0400501—Acquirer Credit and Debit—MSR Product and Services—Parcelas

Payment Transactions (Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400501000 CUSTOMER MCC_52
1 0 01 1 0 CHOICE 00 ** * * 6 00
0100: DE 112 = Merchant-financed; DE 48, SE 95 = PARCEL
0110: DE 112 = Format 2.

POS
PURCHASE
AND CVM OF
010 0400501000 CUSTOMER MCC_52
2 0 02 1 0 CHOICE 00 ** * * 7 00
0100: DE 112 = Issuer-financed; DE 48, SE 95 = PARCEL
0110: DE 112 = Format 1.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 125
 Dual Message Authorization
Table 0400501—Acquirer Credit and Debit—MSR Product and Services—Parcelas Payment
Transactions (Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_52
POS 8
PURCHASE MCC_52
AND CVM OF 9
010 0400501000 CUSTOMER MCC_53
0 03 1 0 CHOICE 00 ** * * 0 00
Crediario Account Status Inquiry (ASI)
0100: DE 4 (Amount, Transaction) all zeros
0100: DE 48, SE 95 = PARCEL
3
0100: DE 61, SF 7 = 8 (Account Status Inquiry Service)
0100: DE 112, SE 001, positions 1-2 = 25 (Crediario) and positions 3-4 (Total
Number of Installments)
0100: DE 112, SE 019 (Original Purchase Amount)
0110: DE 112, SE 001 echo from 0100
0110: DE 112 for SE 013 only use Card ID MCC_528; for SE 013 and SE 014
use Card ID MCC_529; and for SE 013, SE 014, and SE 015 use Card ID
MCC_530 to accomplish testing the various scenarios of installment payment
responses.

POS
PURCHASE
AND CVM OF
010 0400501000 CUSTOMER MCC_52
0 04 1 0 CHOICE 00 ** * * 8 00
Crediario Purchase
4 0100: DE 4 (Amount, Transaction) purchase amount
0100: DE 48, SE 95 = PARCEL
0100: DE 112, SF 1, positions 1-2 = 25 (Crediario) and positions 3-4 (Total
Number of Installments)
0110: DE 112, SF 1 echo from 0100
0110: DE 112, SF 13 contains installment payment response.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 126
 Dual Message Authorization
Table 0400502—Acquirer Credit and Debit—MSR Product and Services—Cuotas Payment
Transactions (Argentina)—Authorization Requests

Table 0400502—Acquirer Credit and Debit—MSR Product and Services—Cuotas

Payment Transactions (Argentina)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses that contain installment
transactions within Argentina.

Table 0400502—Acquirer Credit and Debit—MSR Product and Services—Cuotas

Payment Transactions (Argentina)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
1 010 0400502000 CUSTOMER MCC_60
0 01 1 0 CHOICE 00 ** * * 4 00
DE 48, SE 95 = ARGCTA and DE 112 to verify Argentina acquirer can send
installment payment to Argentina issuer using issuer finance.
POS
PURCHASE
AND CVM OF
2 010 0400502000 CUSTOMER MCC_60
0 02 1 0 CHOICE 00 ** * * 5 00
DE 48, SE 95 = ARGCTA and DE 112 to verify Argentina acquirer can send
installment payment to Argentina issuer using merchant finance.
POS
PURCHASE
AND CVM OF
3 010 0400502000 CUSTOMER MCC_60
0 03 1 0 CHOICE 00 ** * * 6 00
DE 48, SE 95 = ARGCTA and DE 112 to verify Argentina acquirer can send
installment payment to Argentina issuer using acquirer finance.
POS
PURCHASE
AND CVM OF
010 0400502000 CUSTOMER MCC_60
4 0 04 1 0 CHOICE 00 ** * * 8 00
DE 48, SE 95 = ARGCTA and DE 112 to verify Argentina acquirer can send
installment payment to Argentina issuer using consumer finance (purchase)
and receive issuer response data.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 127
 Dual Message Authorization
Table 0400502—Acquirer Credit and Debit—MSR Product and Services—Cuotas Payment
Transactions (Argentina)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400502000 CUSTOMER MCC_60
5 0 05 1 0 CHOICE 00 ** * * 9 00
DE 48, SE 95 = ARGCTA and DE 112 to verify Argentina acquirer can send
installment payment to Argentina issuer using consumer finance (manual
cash advance) and receive issuer response data.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 128
 Dual Message Authorization
Table 0400503—Acquirer Credit and Debit—MSR Product and Services—Cuotas Payment
Transactions (Uruguay)—Authorization Requests

Table 0400503—Acquirer Credit and Debit—MSR Product and Services—Cuotas

Payment Transactions (Uruguay)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses that contain installment
transactions within Uruguay.

Table 0400503—Acquirer Credit and Debit—MSR Product and Services—Cuotas

Payment Transactions (Uruguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
1 010 0400503000 CUSTOMER MCC_61
0 01 1 0 CHOICE 00 ** * * 2 00
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send
installment payment to Uruguay issuer using issuer finance.
POS
PURCHASE
AND CVM OF
2 010 0400503000 CUSTOMER MCC_61
0 02 1 0 CHOICE 00 ** * * 3 00
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send
installment payment to Uruguay issuer using merchant finance.
POS
PURCHASE
AND CVM OF
3 010 0400503000 CUSTOMER MCC_61
0 03 1 0 CHOICE 00 ** * * 5 00
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send
installment payment to Uruguay issuer using acquirer finance.
POS
PURCHASE
AND CVM OF
4 010 0400503000 CUSTOMER MCC_61
0 04 1 0 CHOICE 00 ** * * 6 00
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send
installment payment to Uruguay issuer using average finance.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 129
 Dual Message Authorization
Table 0400503—Acquirer Credit and Debit—MSR Product and Services—Cuotas Payment
Transactions (Uruguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400503000 CUSTOMER MCC_61
5 0 05 1 0 CHOICE 00 ** * * 7 00
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send
installment payment to Uruguay issuer using consumer finance (purchase)
and receive issuer response data.
POS
PURCHASE
AND CVM OF
010 0400503000 CUSTOMER MCC_61
6 0 06 1 0 CHOICE 00 ** * * 8 00
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send
installment payment to Uruguay issuer using consumer finance (manual cash
advance) and receive issuer response data.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 130
 Dual Message Authorization
Table 0400504—Acquirer Credit and Debit—MSR Product and Services—Cuotas Payment
Transactions (Peru)—Authorization Requests

Table 0400504—Acquirer Credit and Debit—MSR Product and Services—Cuotas

Payment Transactions (Peru)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses that contain installment
transactions within Peru.

Table 0400504—Acquirer Credit and Debit—MSR Product and Services—Cuotas

Payment Transactions (Peru)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400504000 CUSTOMER MCC_62
0 01 1 0 CHOICE 00 ** * * 2 00

1 Issuer-financed 6 installments no grace period and receive issuer response

data.
0100: DE 48, SE 95 = PERCTA and DE 112, SE 007 (Installment Payment
Data) = 20060604
0110: DE 112, SE 007 same value as request; SE 008 (Installment Payment
Response Data) provided by issuer

POS
PURCHASE
AND CVM OF
010 0400504000 CUSTOMER MCC_62
0 02 1 0 CHOICE 00 ** * * 3 00

2 Issuer-financed 12 installments 30 day grace period and receive issuer

response data.
0100: DE 48, SE 95 = PERCTA and DE 112, SE 007 (Installment Payment
Data) = 20120604
0110: DE 112, SE 007 same value as request; SE 008 (Installment Payment
Response Data) provided by issuer

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 131
 Dual Message Authorization
Table 0400504—Acquirer Credit and Debit—MSR Product and Services—Cuotas Payment
Transactions (Peru)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400504000 CUSTOMER MCC_62
0 03 1 0 CHOICE 00 ** * * 4 00

3 Issuer-financed 24 installment 60 day grace period and receive issuer response

data.
0100: DE 48, SE 95 = PERCTA and DE 112, SE 007 (Installment Payment
Data) = 20242604
0110: DE 112, SE 007 same value as request; SE 008 (Installment Payment
Response Data) provided by issuer

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 132
 Dual Message Authorization
Table 0400506—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Greece)—Authorization Requests

Table 0400506—Acquirer Credit and Debit—MSR Product and Services—Installment

Payment Service (Greece)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Greece domestic
installment payment preauthorization Authorization Requests and process the
resulting Authorization Responses containing installment payment information.

Table 0400506—Acquirer Credit and Debit—MSR Product and Services—Installment

Payment Service (Greece)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP OR
CNP
PURCHASE
AND CVM OF
010 0400506000 CUSTOMER MCC_64
0 01 1 0 CHOICE 00 ** * * 0 00
Merchant-financed installment payment preauthorization request for 12
installments and no grace period.
1
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2112N00978
0100: DE 61, SF 7 = 4 (Preauthorized Request)
Issuer approval response containing installment payment amount, due date of
first installment, and financing currency code.
0110: DE 48, SE 95 and DE 112, SE 006 = same value as in 0100.
0110: DE 112, SE 008 = 00000001100012311097800

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 133
 Dual Message Authorization
Table 0400506—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Greece)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP OR
CNP
PURCHASE
AND CVM OF
010 0400506000 CUSTOMER MCC_64
0 02 1 0 CHOICE 00 ** * * 1 00
Merchant-financed installment payment preauthorization request for 12
installments and 15 days grace period.
2
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2112D15978
0100: DE 61, SF 7 = 4 (Preauthorized Request)
Issuer approval response containing installment payment amount, due date of
first installment, and financing currency code.
0110: DE 48, SE 95 and DE 112, SE 006 = same value as in 0100.
0110: DE 112, SE 008 = 00000001100001151197800

POS CP OR
CNP
PURCHASE
AND CVM OF
010 0400506000 CUSTOMER MCC_64
0 03 1 0 CHOICE 00 ** * * 2 00
Merchant-financed installment payment preauthorization request for 6
installments and 4 weeks grace period.
3
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2106W04978
0100: DE 61, SF 7 = 4 (Preauthorized Request)
Issuer approval response containing installment payment amount, due date of
first installment, and financing currency code.
0110: DE 48, SE 95 and DE 112, SE 006 = same value as in 0100.
0110: DE 112, SE 008 = 00000002200001281197800

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 134
 Dual Message Authorization
Table 0400506—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Greece)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP OR
CNP
PURCHASE
AND CVM OF
010 0400506000 CUSTOMER MCC_64
0 04 1 0 CHOICE 00 ** * * 3 00
Merchant-financed installment payment preauthorization request for 3
installments and 1 month grace period.
4
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2103M01978
0100: DE 61, SF 7 = 4 (Preauthorized Request)
Issuer approval response containing installment payment amount, due date of
first installment, and financing currency code.
0110: DE 48, SE 95 and DE 112, SE 006 = same value as in 0100.
0110: DE 112, SE 008 = 00000004400001311197800

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 135
 Dual Message Authorization
Table 0400508—Acquirer Credit and Debit—MSR Product and Services—Installment Payment
Service (Philippines)—Authorization and Reversal Requests

Table 0400508—Acquirer Credit and Debit—MSR Product and Services—Installment

Payment Service (Philippines)—Authorization and Reversal Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization and Reversal
Requests and process the resulting Authorization Responses containing installment
transactions within Philippines.

Table 0400508—Acquirer Credit and Debit—MSR Product and Services—Installment

Payment Service (Philippines)—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400508000 CUSTOMER MCC_66
0 01 1 0 CHOICE 00 ** * * 1-665 00
1
0100: DE 48, SE 95 = PHINST and DE 112, SE 009 merchant financed for
2,5,7,12 or 24 installments.
Acquirer must use test card 661 for 2 installments, 662 for 5, 663 for 7, 664 for
12, and 665 for 24 installments due to response information in 0110 message.

POS
PURCHASE
AND CVM OF
010 0400508000 CUSTOMER MCC_66
0 02 1 0 CHOICE 00 ** * * 1-665 00
2 040
0 1 0 DE 39 = 17 00
0100: DE 48, SE 95 = PHINST and DE 112, SE 009 merchant financed for 24
installments
0400: Full reversal for customer cancellation

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 136
 Dual Message Authorization
Table 0400515—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Japan)—Authorization Requests and Authorization Advices

Table 0400515—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Japan)—Authorization Requests and Authorization Advices
The following test cases will test whether an acquirer's Dual Message online
application can send correctly formatted Authorization Requests and
Authorization Advices for domestic Japan POS transactions containing Japan
National Data and/or Japan Payment Options in DE 112, and process the resulting
Authorization Responses containing Japan Domestic Response Code in DE 112
when applicable.

Table 0400515—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Japan)—Authorization Requests and Authorization Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCS_00
AND CVM OF 1
010 0400515000 CUSTOMER DMC_00
0 01 1 1 CHOICE 00 ** * * 1 **
1
Acquirer must send DE 4 = 000000100031 to receive expected response.
Acquirer does not send DE 112 containing SE 30 (CAFIS POS Data) in request.
Acquirer receives DE 112, SE 31 (CAFIS Response Code) in the declined
response.

POS
PURCHASE MCS_00
AND CVM OF 1
010 0400515000 CUSTOMER DMC_00
0 02 1 1 CHOICE 00 ** * * 1 00
2
Acquirer must send DE 4 = 000000100030 to receive expected response.
Acquirer sends DE 112 containing SE 30 (CAFIS POS Data) in request.
Acquirer receives DE 112, SE 30 in approved response.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 137
 Dual Message Authorization
Table 0400515—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Japan)—Authorization Requests and Authorization Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCS_00
AND CVM OF 1
010 0400515000 CUSTOMER DMC_00
0 03 1 1 CHOICE 00 ** * * 1 **
3
Acquirer must send DE 4 = 000000103031 to receive expected response.
Acquirer sends DE 112 containing SE 30 (CAFIS POS Data) in request.
Acquirer receives DE 112, SE 30 and SE 31 (CAFIS Response Code) in declined
response.

POS
PURCHASE MCS_00
AND CVM OF 1
010 0400515000 CUSTOMER DMC_00
0 05 1 1 CHOICE 00 ** * * 1 00
4
Acquirer must send DE 4 = 000001000032 to receive expected response.
Acquirer sends SE 32 (Japan Payment Options) in request.
Acquirer receives DE 112, SE 32 in approved response.

POS
PURCHASE MCS_00
AND CVM OF 1
010 0400515000 CUSTOMER DMC_00
0 06 1 1 CHOICE 00 ** * * 1 **
5
Acquirer must send DE 4 = 000001003132 to receive expected response.
Acquirer sends SE 32 (Japan Payments Options) in request.
Acquirer receives DE 112, SE 31 (CAFIS Response Code) and SE 32 in declined
response.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 138
 Dual Message Authorization
Table 0400515—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Japan)—Authorization Requests and Authorization Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCS_00
AND CVM OF 1
010 0400515000 CUSTOMER DMC_00
0 80 1 1 CHOICE 00 ** * * 1 00
Authorization Request/0100 message to support testing of applicable
Authorization Type values.
6
Acquirer must send DE 4 = 000000300032 to receive expected approved
response.
DE 112 contains SE 030 (CAFIS POS Data) including position 107
(Authorization Type) value 1, 2, 3, 4, or 6.
DE 112 contains SE 032 (Japan Payment Options)
Acquirer receives DE 112, SE 30 and SE 32 in approved response.

POS
PURCHASE MCS_00
AND CVM OF 1
010 0400515000 CUSTOMER DMC_00
0 09 1 1 CHOICE 00 ** * * 1 **
Authorization Request/0100 message to support testing of applicable
Authorization Type values.
7
Acquirer must send DE 4 = 000000303132 to receive expected response.
DE 112 contains SE 030 (CAFIS POS Data) including position 107
(Authorization Type) value 1, 2 , or 3
DE 112 contains SE 032 (Japan Payment Options).
Acquirer receives DE 112, SE 30, SE 31 (CAFIS Response Code) and SE 32 in
declined response.

POS
PURCHASE MCS_00
AND CVM OF 1
012 0400515000 CUSTOMER DMC_00
0 11 1 1 CHOICE 00 00 0 1 00
8
DE 39 = 00 (Approved) and DE 60 = 190 (Acquirer Processing System (APS)
Approved
DE 112 containing SE 030 (Japan Domestic POS Data)
0130: DE 112, SE 030 in approved response

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 139
 Dual Message Authorization
Table 0400515—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Japan)—Authorization Requests and Authorization Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCS_00
AND CVM OF 1
012 0400515000 CUSTOMER DMC_00
0 12 1 1 CHOICE 00 00 0 1 00
9
DE 39 = 00 (Approved) and DE 60 = 190 (Acquirer Processing System (APS)
Approved
DE 112 containing SE 032 (Japan Payment Options)
0130: DE 112, SE 032 in approved response

POS
PURCHASE MCS_00
AND CVM OF 1
012 0400515000 CUSTOMER DMC_00
0 13 1 1 CHOICE 00 00 0 1 00
DE 39 = 00 (Approved) and DE 60 = 190 (Acquirer Processing System (APS)
10 Approved
DE 112 containing SE 030 (Japan Domestic POS Data), position 107
(Authorization Type) value 1, 2 ,3, 4, or 6 of customer choice
DE 112 containing SE 032 (Japan Payment Options)
0130: DE 112, SE 030 and SE 032 in approved response

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 140
 Dual Message Authorization
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Paraguay)—Authorization Requests
The following test cases will test whether an acquirer Dual Message authorization
application can send various types of Paraguay domestic transactions containing
applicable data in correctly formatted Authorization Requests messages and
receive the resulting Authorization Responses.
Test cases include installment payments, recurring payments, and normal purchase
transactions. Acquirers should submit these authorizations for clearing as specified
in Issuer Mastercard and Debit Mastercard test case table 1410545.

Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 01 1 1 CHOICE 00 ** * * 6 00
Installment Request: 3 Installments - Issuer-financed
DE 18 = 5722 (Household Appliance Stores)
1 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 20030600 wherein 20 = Issuer-financed Plan 1;— 03 = total
number of installments; 0 = grace period; and 600 = Transaction Currency
Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 141
 Dual Message Authorization
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 02 1 1 CHOICE 00 ** * * 6 00
Installment Request: 6 Installments - Issuer-financed
DE 18 = 5310 (Discount Stores)
2 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 20060600 wherein 20 = Issuer-financed Plan 1;— 06 = total
number of installments; 0 = grace period; and 600 = Transaction Currency
Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 03 1 1 CHOICE 00 ** * * 6 00
Installment Request: 6 Installments - Issuer-financed
DE 18 = 5310 (Discount Stores)
3 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 20060600 wherein 20 = Issuer-financed Plan 1;— 06 = total
number of installments; 0 = grace period; and 600 = Transaction Currency
Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 142
 Dual Message Authorization
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 04 1 1 CHOICE 00 ** * * 6 00
Preauthorization Installment Request: 2 Installments - Grace Period
DE 18 = 5399 (Miscellaneous General Merchandise Stores)
4 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 21021600 wherein 21 = Grace Period Plan 2;— 02 = total
number of installments; 1 = grace period 30 days; and 600 = Transaction
Currency Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 05 1 1 CHOICE 00 ** * * 6 00
Preauthorization Installment Request: 3 Installments - Grace Period
DE 18 = 5311 (Department Stores)
5 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 21031600 wherein 21 = Grace Period Plan 2;— 03 = total
number of installments; 2 = grace period 60 days; and 600 = Transaction
Currency Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 143
 Dual Message Authorization
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 06 1 1 CHOICE 00 ** * * 6 00
Installment Request: 2 Installments - Merchant-financed
DE 18 = 5122 (Drugs, Drug Proprietors, and Druggists Sundries)
6 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 22020600 —wherein 22 = Merchant-financed Plan 3;— 02 =
total number of installments; 0 = grace period; and 600 = Transaction
Currency Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 07 1 1 CHOICE 00 ** * * 6 00
Installment Request: 3 Installments - Merchant-financed
DE 18 = 4511 (Air Carriers, Airlines—Not Elsewhere Classified)
7 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 22020600 —wherein 22 = Merchant-financed Plan 3;— 03 =
total number of installments; 0 = grace period; and 600 = Transaction
Currency Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 144
 Dual Message Authorization
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
010 0400545000 PURCHASE NO MCC_65
0 08 1 1 CVM 00 10 6 6 00
Recurring payment
DE 18 = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
8 DE 37 (Retrieval Reference Number) and DE 42 (Card Acceptor ID Code) are
mandatory
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 124 positions 1-5 Billing Period and positions 6-17 Reference Number
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421071 may be present

CREDENTIAL
ON FILE
010 0400545000 PURCHASE NO MCC_65
0 09 1 1 CVM 00 10 6 6 00
Recurring payment
DE 18 = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
9
DE 37 (Retrieval Reference Number) and DE 42 (Card Acceptor ID Code) are
mandatory
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 124 positions 1-5 Billing Period and positions 6-17 Reference Number
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421070 may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 145
 Dual Message Authorization
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
010 0400545000 PURCHASE NO MCC_65
0 10 1 1 CVM 00 10 6 6 00
Recurring payment
DE 18 = 9311 (Tax Payments)
10 DE 37 (Retrieval Reference Number) and DE 42 (Card Acceptor ID Code) are
mandatory
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
DE 124 positions 1-5 Billing Period and positions 6-17 Reference Number
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 11 1 1 CHOICE 00 ** * * 6 00

11 Normal domestic transaction

DE 18 = 5411 (Grocery Stores, Supermarkets)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421069 may be present

POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 12 1 1 CHOICE 00 ** * * 6 00

12 Normal domestic transaction

DE 18 = 5814 (Fast Food Restaurants)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 146
 Dual Message Authorization
Table 0400545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 13 1 1 CHOICE 00 ** * * 6 00

13 Normal domestic transaction

DE 18 = 9399 (Government Services—not elsewhere classified)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 14 1 1 CHOICE 00 ** * * 6 00

14 Normal domestic transaction

DE 18 = 5541 (Service Stations (with or without Ancillary Services))
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
010 0400545000 CUSTOMER MCC_65
0 15 1 1 CHOICE 00 ** * * 7 05
Installment Request: 3 Installments - Issuer-financed
DE 18 = 5722 (Household Appliance Stores)

15 DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;

and DE 61, SF 13 (POS Country Code) = 600
DE 48, SE 95 = PRYCTA
DE 112, SE 007 = 20030600 —wherein 20 = Issuer-financed Plan 1;— 03 = total
number of installments; 0 = grace period; and 600 = Transaction Currency
Code (restricted to Paraguayan Guarani)
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present
0110: DE 39 indicating issuer declines transaction

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 147
 Dual Message Authorization
Table 0400546—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

Table 0400546—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Paraguay)—Authorization Requests
The following test cases will test whether an acquirer Dual Message authorization
application can send various types of Paraguay domestic transactions containing
applicable data in correctly formatted Authorization Requests messages and
receive the resulting Authorization Responses.
Test cases include various normal purchase transactions. Acquirers should submit
these authorizations for clearing as specified in Acquirer Credit and Debit test case
table 1410546.

Table 0400546—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 01 1 1 CHOICE 00 ** * * 6 00
1
DE 18 = 9399 (Government Services—not elsewhere classified)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 02 1 1 CHOICE 00 ** * * 6 00
2
DE 18 = 5541 (Service Stations with or without Ancillary Services)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 148
 Dual Message Authorization
Table 0400546—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 03 1 1 CHOICE 00 ** * * 6 00
3
DE 18 = 5411 (Grocery Stores, Supermarkets)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 04 1 1 CHOICE 00 ** * * 6 00
4
DE 18 = 5411 (Grocery Stores, Supermarkets)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 05 1 1 CHOICE 00 ** * * 6 00
5
DE 18 = 5814 (Fast Food Restaurants)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 06 1 1 CHOICE 00 ** * * 6 00
6
DE 18 = 9311 (Tax Payments)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 149
 Dual Message Authorization
Table 0400546—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 07 1 1 CHOICE 00 ** * * 6 00
7
DE 18 = 5310 (Discount Stores)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 08 1 1 CHOICE 00 ** * * 6 00
8
DE 18 = 4511 (Air Carriers, Airlines—Not Elsewhere Classified)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 09 1 1 CHOICE 00 ** * * 6 00
9
DE 18 = 5722 (Household Appliance Stores)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 10 1 1 CHOICE 00 ** * * 6 00
10
DE 18 = 5122 (Drugs, Drug Proprietors, and Druggists Sundries)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 150
 Dual Message Authorization
Table 0400546—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 11 1 1 CHOICE 00 ** * * 6 00
11
DE 18 = 5411 (Grocery Stores, Supermarkets)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421069 may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 12 1 1 CHOICE 00 ** * * 6 00
12 DE 18 = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421070 may be present

POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 13 1 1 CHOICE 00 ** * * 6 00
13 DE 18 = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421071 may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 151
 Dual Message Authorization
Table 0400546—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE MCC_65
AND CVM OF 6
010 0400546000 CUSTOMER DMC_75
0 14 1 1 CHOICE 00 ** * * 6 00
14
DE 18 = 5311 (Department Stores)
DE 43, SF 8 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421072 may be present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 152
 Dual Message Authorization
Table 0400550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Authorization Requests, Advice, and Reversal

Table 0400550—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Colombia)—Authorization Requests, Advice, and Reversal
The following test cases will test whether an acquirer Dual Message authorization
application can send various types of Colombia domestic transactions containing
applicable data in correctly formatted Authorization Requests, Advice, and
Reversal messages and receive the resulting Authorization Responses. Tip and tax
values may be any desired amount. DE48 sub95, DE112 SE010 and 011 are
required for MC Credit products and are optional for MC Debit. DE124 is required
for all POS domestic messages.

Table 0400550—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Colombia)—Authorization Requests, Advice, and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
PURCHASE MCS_00
CVM OF 1
010 0400550000 CUSTOMER DMC_00
0 01 1 1 CHOICE 00 90 0 * 1 00
1
Restaurant transaction with gratuity, 1 installment.
DE 54 present with amount type 44 (Amount Gratuity). DE 48 sub 95 and DE
112 may be present.
DE 124 present containing Colombia domestic transaction information.

MSR
PURCHASE MCS_00
CVM OF 1
010 0400550000 CUSTOMER DMC_00
0 02 1 1 CHOICE 00 90 0 * 1 00
040
2 0 1 1 DE 39 = 17 00
Purchase transaction followed by customer cancellation full amount reversal
transaction.
DE 48, SE 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.
0400: DE 124 present including SF 10 (Original Transaction Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 153
 Dual Message Authorization
Table 0400550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Authorization Requests, Advice, and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR CASH MCS_00
ADVANCE CVM 1
010 0400550000 OF CUSTOMER DMC_00
0 03 1 1 CHOICE 17 90 0 * 1 05
3
Cash Advance transaction.
DE 48, SE 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.

MANUAL
ENTRY MO/TO
010 0400550000 PURCHASE NO MCS_00
0 04 1 1 CVM 00 01 0 5 05
Phone or Mail order transaction for three installments containing invalid
national customer identifier.
0100: DE 4 (Amount, Transaction) = nnnnnnn3905 where nnnnnnnn indicates
4 the additional values necessary to represent a reasonable transaction amount
in transaction currency and 3905 equals the desired DE 39 (Response Code)
value 05.
DE 48, SE 95 = COLCTA; DE 112, SE 010 = 03 and SE 011 (Customer ID) =
12345678901 (test value); and DE 124 present containing Colombia domestic
transaction information.
0110: DE 39 = 05 (Do not honor) and DE 124 includes SF 9 = M2 (Invalid
national customer identifier).

MSR
PURCHASE
WITH CASH MCS_00
BACK CVM OF 1
010 0400550000 CUSTOMER DMC_00
5 0 05 1 1 CHOICE 09 90 0 * 1 00
Purchase with Cash Back transaction.
DE 48 sub 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 154
 Dual Message Authorization
Table 0400550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Authorization Requests, Advice, and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
PURCHASE MCS_00
CVM OF 1
010 0400550000 CUSTOMER DMC_00
0 06 1 1 CHOICE 00 90 0 * 1 00
6
Purchase transaction for twelve installments using Mastercard Assigned ID.
DE 48, SE 95 = COLCTA; DE 112, SE 010 = 12 and SE 011 (Customer ID) =
12345678901 (test value); and DE 124 present containing Colombia domestic
transaction information.

MSR CAT
LEVEL 9
PURCHASE MCS_00
CVM OF 1
010 0400550000 CUSTOMER DMC_00
7 0 07 1 1 CHOICE 00 90 9 * 1 00
Purchase transaction for 2 installments.
DE 48, SE 95 = COLCTA; DE 112, SE 010 = 02 and SE 011 (Customer ID) =
12345678901 (test value); and DE 124 present containing Colombia domestic
transaction information. DE 61, SF 10 = 9 (mPOS Acceptance Device).

ELECTRONIC MCS_00
COMMERCE 1
010 0400550000 PURCHASE NO DMC_00
0 08 1 1 CVM 00 81 6 1 00
8
e-Commerce purchase transaction with customer ID and installments.
DE 48, SE 95 present; DE 112, SE 010 and SE 011 present; and DE 124
present containing Colombia domestic transaction information.

ELECTRONIC MCS_00
COMMERCE 1
010 0400550000 PURCHASE NO DMC_00
0 09 1 1 CVM 00 81 6 1 00
9 Utilities transaction via web.
DE 124 present containing Colombia domestic transaction information
including SF 6 (Original Processing Code) = 150000 (Public utilities) and SF 8 =
7 (Web payment).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 155
 Dual Message Authorization
Table 0400550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Authorization Requests, Advice, and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
PURCHASE MCS_00
CVM OF 1
010 0400550000 CUSTOMER DMC_00
0 10 1 1 CHOICE 00 90 0 * 1 00
10 Billing payment transaction.
DE 112, SE 011 (Customer ID) = 12345678901 (test value) and DE 124
present containing Colombia domestic transaction information including SF 6
(Original Processing Code) = 350000 (Billing payment) and SF 7 (Bill
Payment/Top Up Data).

MSR
PURCHASE MCS_00
CVM OF 1
010 0400550000 CUSTOMER DMC_00
0 11 1 1 CHOICE 00 90 0 * 1 00
11 Cellular phone top up transaction.
DE 112, SE 011 (Customer ID) = 12345678901 (test value) and DE 124
present containing Colombia domestic transaction information including SF 6
(Original Processing Code) = 380000 (Cellular phone top up) and SF 7 (Bill
Payment/Top Up Data).

MSR PAYMENT MCS_00

CVM OF 1
010 0400550000 CUSTOMER DMC_00
0 12 1 1 CHOICE 28 90 0 * 1 00
12
Payment transaction.
DE 48 TCC as P and SE 77 = CXX depending of supported payment
capabilities.

MANUAL
ENTRY MCS_00
PAYMENT CVM 1
010 0400550000 OF CUSTOMER DMC_00
13 0 13 1 1 CHOICE 28 01 0 * 1 00
Payment transaction.
DE 48 TCC as P and SE 77 = CXX depending of supported payment
capabilities.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 156
 Dual Message Authorization
Table 0400550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Authorization Requests, Advice, and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
MSR ACIERTA 1
010 0400550000 PURCHASE DMC_00
0 14 1 1 SIGNATURE 00 90 0 1 51
012
0 1 1 DE 39 = 00 00
14
Acierta purchase transaction.
0100: DE 4 must be sent as 525000 COP to receive expected response, DE 112
with installments, DE 48, SE 95 as COLCTA and DE124 present.
0110: DE 39 = 51 (Insufficient funds).
0120: DE 39 = 00 (Approved), DE38 = ACXXXX, DE60 = 190 or 191.

MSR
PURCHASE MCS_00
CVM OF 1
010 0400550000 CUSTOMER DMC_00
0 15 1 1 CHOICE 00 90 0 * 1 00
15
Purchase transaction with issuer promotional reimbursement.
DE 48, SE 95 = COLCTA; DE 112, SE 010 present and SE 011 (Customer ID) =
12345678901 (test value); and DE 124 present containing Colombia domestic
transaction information.

CNP BUSINESS MCS_00

TRANSACTION 1
010 0400550000 OF CUSTOMER DMC_00
0 16 1 1 CHOICE ** ** * * 1 00

16 Purchase transaction.
DE 43, SF 1 with 3 character abbreviated Payment Facilitator name followed
by asterisk in position 4, 8 or 13 followed by Sub-merchant name.
DE 48, SE 37, SF 1 = Payment Facilitator ID, SF 2 = Independent Sales
Organization ID and SF 3 = Sub-merchant ID.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 157
 Dual Message Authorization
Table 0400555—Acquirer Credit and Debit—MSR Product and Services—Domestic Authorization
Switching Service (Sweden)—Authorization Requests and Reversals

Table 0400555—Acquirer Credit and Debit—MSR Product and Services—Domestic

Authorization Switching Service (Sweden)—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and Reversals and process the resulting Authorization Responses for Sweden
Domestic Authorization Switching Service (SASS).

Table 0400555—Acquirer Credit and Debit—MSR Product and Services—Domestic

Authorization Switching Service (Sweden)—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM MCC_50
010 0400555000 WITHDRAWAL 1
1 0 01 1 1 ONLINE PIN 01 90 0 V MSI_501 00
DE 48, SE 58 contains watermark data.
MSR ATM MCC_50
010 0400555000 WITHDRAWAL 9
2 0 02 1 1 ONLINE PIN 01 90 0 V MSI_509 00
0110: DE 123 contains receipt free text
MSR ATM
BALANCE MCC_50
010 0400555000 INQUIRY 1
0 03 1 1 ONLINE PIN 30 90 0 V MSI_501 00
3 040
0 1 1 DE 39 = 00 00
0100: May contain optional DE 48, SE 58 containing watermark data
0400: DE 48, SE 58 contains forgotten card data

MSR ATM MCC_50

040 0400555000 WITHDRAWAL 1
4 0 04 1 1 ONLINE PIN 01 90 0 V MSI_501 00
0400: DE 39 = 17 (Customer cancellation) and DE 48, SE 58 contains
forgotten card data
MCS_50
010 0400555000 MSR REFUND 1
5 0 11 1 1 SIGNATURE 20 90 0 MSI_501 00
Business transaction format and content.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 158
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing Installments (Chile)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send various types of Chile domestic installment
transactions containing applicable data in correctly formatted Authorization
Requests and receive the resulting Authorization Responses.

Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 000
MCG 007
MSR MPL 000
010 0400560000 PURCHASE MBK 000
0 01 1 1 ONLINE PIN 30 90 0 V MCO 000 00
0100: Installment Inquiry Request: 3 Installments
DE 4 = $120,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0

1 DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 3 Installments without interest
DE 4 = $120,000.00
DE 18 = 4511 (SKY AIRLINES)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 159
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 000
MCG 007
MSR MPL 000
010 0400560000 PURCHASE MBK 000
0 02 1 1 ONLINE PIN 00 90 0 V MCO 000 00
0100: Authorization Installment Request: 3 Installments without interest
DE 4 = $120,000.00 (Increase amount by $1,000 for each applicable Bank
Product)
DE 18 = 4511 (SKY AIRLINES)

2 DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required
0110: Authorization Installment Response: Approved 3 installments without
interest
DE 4 = $120,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 03 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments No Deferred Period

3 0100: Authorization Installment Request: 2 Installments

DE 4 = $100,000.00
DE 18 = 4784 (COSTANERA NORTE)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 160
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 04 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments with Deferred Period

4 0100: Authorization Installment Request: 2 Installments

DE 4 = $75,000.00
DE 18 = 4899 (MOVISTAR)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 05 1 1 ONLINE PIN 00 90 0 V MCO 006 00
5 Recurrent Payment
DE 4 = $60,000.00
DE 18 = ABASTIBLE
DE 61, SE 4 = 0; DE61, SE 5 = 0

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 161
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 002
MCG 008
MSR MPL 002
010 0400560000 PURCHASE MBK 002
0 06 1 1 ONLINE PIN 30 90 0 V MCO 002 00
Inquiry Issuer Financed Installments With Interest and 3 Deferred Periods
Options
0100: Installment Inquiry Request: 12 installments
DE 4 = $125,000.00
DE 18 = 5251 (COVEPA)
6
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 12 installments with interest and 3
deferred periods options (No def: 4%, 1 mth: 4.5%, 2 mths: 5%, 3 mths: 5.5%)
DE 4 = $125,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 162
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 002
MCG 008
MSR MPL 002
010 0400560000 PURCHASE MBK 002
0 07 1 1 ONLINE PIN 00 90 0 V MCO 002 00
Issuer Financed Installments With Interest And 3 Deferred Periods Options
0100: Authorization Installment Request: 12 installments, customer selects 1
month deferred option (1 mths: 4.5%)
DE 4 = $125,000.00 (Increase amount by $1,000 for each applicable Bank
Product)
7 DE 18 = 5251 (COVEPA)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required
0110: approved 12 installments with interest and 1 month deferred
DE 4 = $125,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 163
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 003
MCG 003
MSR MPL 007
010 0400560000 PURCHASE MBK 007
0 08 1 1 ONLINE PIN 30 90 0 V MCO 003 00
Inquiry Issuer Financed Installments No Deferred Period
0100: Installment Inquiry Request: 6 Installments
DE 4 = $130,000.00
DE 18 = 5311 (FALABELLA)
8 DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 6 installments with 10% interest and no
deferred period
DE 4 = $130,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 164
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 003
MCG 003
MSR MPL 007
010 0400560000 PURCHASE MBK 007
0 09 1 1 ONLINE PIN 00 90 0 V MCO 003 00
Issuer Financed Installments No Deferred Period
0100: Authorization Installment Request: 6 installments with 10% interest
DE 4 = $130,000.00
DE 18 = 5311 (FALABELLA)
9
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required
0110: approved 6 installments with 10% interest
DE 4 = $130,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 10 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments No Deferred Period

10 0100: Authorization Installment Request: 3 Installments

DE 4 = $80,000.00
DE 18 = 5411 (EXP LIDER)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 165
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 11 1 1 ONLINE PIN 00 90 0 V MCO 006 00
11
DE 4 = $85,000.00
DE 18 = 5411 (ALVI)
DE 61, SE 4 = 0; DE61, SE 5 = 0

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 12 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments with Deferred Period

12 0100: Authorization Installment Request: 3 Installments

DE 4 = $90,000.00
DE 18 = 5411 (SUPERMERCADO GRECIA)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 13 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments No Deferred Period

13 0100: Authorization Installment Request: 6 Installments

DE 4 = $65,000.00
DE 18 = 5541 (COPEC)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 166
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 14 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments No Deferred Period

14 0100: Authorization Installment Request: 24 Installments

DE 4 = $110,000.00
DE 18 = 5814 (BURGER KING)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 15 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments With Deferred Period

15 0100: Authorization Installment Request: 6 Installments

DE 4 = $145,000.00
DE 18 = 5912 (SALCOBRAND)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 167
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 16 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments No Deferred Period

16 0100: Authorization Installment Request: 12 Installments

DE 4 = $150,000.00
DE 18 = 5912 (C. VERDE)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 17 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments With Deferred Period

17 0100: Authorization Installment Request: 12 Installments

DE 4 = $135,000.00
DE 18 = 6513 (CONDOMINIO (Gastos comunes))
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 18 1 1 ONLINE PIN 00 90 0 V MCO 006 00
18 DE 4 = $155,000.00
DE 18 = 6536 (CHILEXPRESS MONEYSEND)
DE 61, SE 4 = 0; DE61, SE 5 = 0
If Applicable

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 168
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 005
MCG_00
5 MPL
MSR 008 MBK
010 0400560000 PURCHASE 005 MCO
0 19 1 1 ONLINE PIN 30 90 0 V 007 00
Inquiry Issuer Financed Installments Without Interest And 3 Deferred Periods
Options
0100: Installment Inquiry Request: 6 Installments
DE 4 = $140,000.00
DE 18 = 8011 (ORTOMEDICA)
19
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 6 installments without interest and 3
deferred periods options (No def.: 0%, 1 mth: 4.5%, 2 mths: 5%, 3 mths: 5.5%).
DE 4 = $140,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 169
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 005
MCG 005
MSR MPL 008
010 0400560000 PURCHASE MBK 005
0 20 1 1 ONLINE PIN 00 90 0 V MCO 007 00
Issuer Financed Installments Without Interest and 3 Deferred Periods Options
0100: 6 installments, customer selects 3 month deferred option (3 mths:
5.5%)
DE 4 = $140,000.00
DE 18 = 8011 (ORTOMEDICA)
20
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required
0110: Approved 6 installments, 3 month deferred option (3 mths: 5.5%).
DE 4 = $140,000.00
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 21 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments With Deferred Period

21 0100: Authorization Installment Request: 24 Installments

DE 4 = $70,000.00
DE 18 = 8211 (CFT SANTO TOMAS ANTOFA)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 170
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 22 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments No Deferred Period

22 0100: Authorization Installment Request: 48 Installments

DE 4 = $55,000.00
DE 18 = 8398 (FUNDAC. LAS ROSAS)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

MCS 006
MCG 006
MSR MPL 006
010 0400560000 PURCHASE MBK 006
0 23 1 1 ONLINE PIN 00 90 0 V MCO 006 00
Merchant Financed Installments With Deferred Period

23 0100: Authorization Installment Request: 48 Installments

DE 4 = $50,000.00
DE 18 = 9311 (S.I.I.CONTRIBUCIONES F)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SF 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 171
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 007
MCG 001
MSR MPL 001
010 0400560000 PURCHASE MBK 001
0 24 1 1 ONLINE PIN 30 90 0 V MCO 001 00
Inquiry Issuer Financed Installments With Interest and 3 Deferred Periods
Options
0100: Installment Inquiry Request: 6 Installments
DE 4 = $115,000.00
DE 18 = 4511 (LAN)
24
DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 6 installments with interest and 3
deferred periods options (No def: 4%, 1 mth: 4.5%, 2 mths: 5%, 3 mths: 5.5%)
DE 4 = $115,000.00
DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 172
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 007
MCG 001
MSR MPL 001
010 0400560000 PURCHASE MBK 001
0 25 1 1 ONLINE PIN 00 90 0 V MCO 001 00
Issuer Financed Installments With Interest And 3 Deferred Periods Options
0100: Authorization Installment Request: 6 installments, customer selects 2
month deferred option (2 mths: 5%)
DE 4 = $115,000.00

25 DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required
0110: Authorization Installment Response: Approved 6 installments with
interest and 2 month deferred
DE 4 = $115,000.00
DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 173
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 004
MCG 004
MSR MPL 004
010 0400560000 PURCHASE MBK 004
0 26 1 1 ONLINE PIN 30 90 0 V MCO 004 00
Inquiry Issuer Financed Installments No Deferred Period
0100: Installment Inquiry Request: 48 Installments
DE 4 = $95,000.00
DE 61, SE 4 = 5; DE61, SE 5 = 1
26 DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 48 installments without interest and no
deferred period
DE 4 = $95,000.00
DE 18 = 5511 (KLASSIK CAR S.A.)
DE 61, SE 4 = 5; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

MCS 004
MCG 004
MSR MPL 004
010 0400560000 PURCHASE MBK 004
0 27 1 1 ONLINE PIN 00 90 0 V MCO 004 00
0100: Authorization Installment Request: 48 installments
DE 4 = $95,000.00
DE 61, SE 4 = 5; DE61, SE 5 = 1
27 DE 48, SE 95 = Required
DE 112 = Required
0110: approved 48 installments without interest
DE 4 = $95,000.00
DE 61, SE 4 = 5; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 174
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 007
MCG 001
MOTO MPL 001
010 0400560000 PURCHASE MBK 001
0 31 1 1 ONLINE PIN 30 81 0 V MCO 001 00
Inquiry issuer financed installments without interest and 3 deferred periods
0100: Installment Inquiry Request: 6 Installments
DE 4 = $115,000.00 (Increase amount by $1,000 for each applicable Bank
Product)

28 DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 6 installments without interest and 3
deferred periods options (No def: 0%, 1 mth: 4.5%, 2 mths: 5%, 3 mths: 5.5%)
DE 4 = $115,000.00
DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 175
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 007
MCG 001
MOTO MPL 001
010 0400560000 PURCHASE MBK 001
0 32 1 1 ONLINE PIN 30 81 0 V MCO 001 00
Issuer financed installments without interest and 3 deferred periods
0100: Authorization Installment Request: 6 installments, customer selects 2
month deferred option (2 mths: 5%)
DE 4 = $115,000.00 (Increase amount by $1,000 for each applicable Bank
Product)
29 DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required
0110: Authorization Installment Response: Approved 6 installments with
interest and 2 month deferred
DE 4 = $115,000.00
DE 61, SE 4 = 3; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 176
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 004
MCG 004
MOTO MPL 004
010 0400560000 PURCHASE MBK 004
0 33 1 1 ONLINE PIN 30 81 0 V MCO 004 00
Inquiry issuer financed installments no deferred period
0100: Installment Inquiry Request: 48 Installments
DE 4 = $95,000.00 (Increase amount by $1,000 for each applicable Bank
Product)

30 DE 61, SE 4 = 5; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required
0110: Installment Inquiry Response: 48 installments without interest and no
deferred period
DE 4 = $95,000.00
DE 61, SE 4 = 5; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 177
 Dual Message Authorization
Table 0400560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS 004
MCG 004
MOTO MPL 004
010 0400560000 PURCHASE MBK 004
0 34 1 1 ONLINE PIN 00 81 0 V MCO 004 00
Issuer financed installments no deferred period
0100: Authorization Installment Request: 48 installments
DE 4 = $95,000.00 (Increase amount by $1,000 for each applicable Bank
Product)
31 DE 61, SE 4 = 5; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required
0110: approved 48 installments without interest
DE 4 = $95,000.00
DE 61, SE 4 = 5; DE61, SE 5 = 1
DE 48, SE 95 = Required
DE 112 = Required

MCS 006
MCG 006
MOTO MPL 006
010 0400560000 PURCHASE MBK 006
0 35 1 1 ONLINE PIN 00 81 0 V MCO 006 00
DE 4 = $105,000.00 (Increase amount by $1,000 for each applicable Bank
32 Product)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 48, SE 42, SF 1, position 3 = 2 (UCAF data collection is supported by the
merchant)
DE 48, subelement 43 containing dynamic AAV provided by Mastercard
SecureCode

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 178
 Dual Message Authorization
Table 0400561—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Non-Installments (Chile)—Authorization Requests

Table 0400561—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing Non-Installments (Chile)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send various types of Chile domestic non-installment
transactions containing applicable data in correctly formatted Authorization
Requests and receive the resulting Authorization Responses.

Table 0400561—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing Non-Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400561000 PURCHASE MDG_CH
0 01 1 1 ONLINE PIN 00 90 0 V L_000 00
1 Business transaction format and content
DE 4= $120,000.00
DE 18=4511 (SKY AIRLINES)

MSR
010 0400561000 PURCHASE MDG_CH
0 02 1 1 ONLINE PIN 00 90 0 V L_000 00
2 Business transaction format and content
DE 4= $100,000.00
DE 18=4784 (COSTANERA NORTE)

MSR
010 0400561000 PURCHASE MDG_CH
0 03 1 1 ONLINE PIN 00 90 0 V L_000 00
3 Business transaction format and content
DE 4= $75,000.00
DE 18=4900 (MOVISTAR)

MSR
010 0400561000 PURCHASE MDG_CH
0 04 1 1 ONLINE PIN 00 90 0 V L_000 00
4 Business transaction format and content
DE 4= $60,000.00
DE 18=4900 (ABASTIBLE)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 179
 Dual Message Authorization
Table 0400561—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Non-Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400561000 PURCHASE MDG_CH
0 05 1 1 ONLINE PIN 00 90 0 V L_000 00
5 Business transaction format and content
DE 4= $125,000.00
DE 18=5251 (COVEPA)

MSR
010 0400561000 PURCHASE MDG_CH
0 06 1 1 ONLINE PIN 00 90 0 V L_000 00
6 Business transaction format and content
DE 4= $130,000.00
DE 18=5311 (FALABELLA)

MSR
010 0400561000 PURCHASE MDG_CH
0 07 1 1 ONLINE PIN 00 90 0 V L_000 00
7 Business transaction format and content
DE 4= $80,000.00
DE 18=5411 (EXP LIDER)

MSR
010 0400561000 PURCHASE MDG_CH
0 08 1 1 ONLINE PIN 00 90 0 V L_000 00
8 Business transaction format and content
DE 4= $85,000.00
DE 18=5411 (ALVI)

MSR
010 0400561000 PURCHASE MDG_CH
0 9 1 1 ONLINE PIN 00 90 0 V L_000 00
9 Business transaction format and content
DE 4= $90,000.00
DE 18=5411 (SUPERMERCADO GRECIA)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 180
 Dual Message Authorization
Table 0400561—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Non-Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400561000 PURCHASE MDG_CH
0 10 1 1 ONLINE PIN 00 90 0 V L_000 00
10 Business transaction format and content
DE 4= $65,000.00
DE 18=5541 (COPEC)

MSR
010 0400561000 PURCHASE MDG_CH
0 11 1 1 ONLINE PIN 00 90 0 V L_000 00
11 Business transaction format and content
DE 4= $110,000.00
DE 18=5814 (BURGER KING)

MSR
010 0400561000 PURCHASE MDG_CH
0 12 1 1 ONLINE PIN 00 90 0 V L_000 00
12 Business transaction format and content
DE 4= $145,000.00
DE 18=5912 (SALCOBRAND)

MSR
010 0400561000 PURCHASE MDG_CH
0 13 1 1 ONLINE PIN 00 90 0 V L_000 00
13 Business transaction format and content
DE 4= $150,000.00
DE 18=5912 (C. VERDE)

MSR
010 0400561000 PURCHASE MDG_CH
0 14 1 1 ONLINE PIN 00 90 0 V L_000 00
14 Business transaction format and content
DE 4= $135,000.00
DE 18=6513 (CONDOMINIO (Gastos comunes))

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 181
 Dual Message Authorization
Table 0400561—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Non-Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400561000 PURCHASE MDG_CH
0 15 1 1 ONLINE PIN 00 90 0 V L_000 00
15 Business transaction format and content
DE 4= $140,000.00
DE 18=8011 (ORTOMEDICA)

MSR
010 0400561000 PURCHASE MDG_CH
0 16 1 1 ONLINE PIN 00 90 0 V L_000 00
16 Business transaction format and content
DE 4= $70,000.00
DE 18=8211 (CFT SANTO TOMAS)

MSR
010 0400561000 PURCHASE MDG_CH
0 17 1 1 ONLINE PIN 00 90 0 V L_000 00
17 Business transaction format and content
DE 4= $55,000.00
DE 18=8398 (FUNDAC. LAS ROSAS)

MSR
010 0400561000 PURCHASE MDG_CH
0 18 1 1 ONLINE PIN 00 90 0 V L_000 00
18 Business transaction format and content
DE 4= $50,000.00
DE 18=9311 (S.I.I.CONTRIBUCIONES)

MSR
010 0400561000 PURCHASE MDG_CH
0 19 1 1 ONLINE PIN 00 90 0 V L_000 00
19 Business transaction format and content
DE 4= $115,000.00
DE 18=4511 (LAN)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 182
 Dual Message Authorization
Table 0400561—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
Non-Installments (Chile)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400561000 PURCHASE MDG_CH
0 20 1 1 ONLINE PIN 00 90 0 V L_000 00
20 Business transaction format and content
DE 4= $95,000.00
DE 18=5511 (KLASSIK CAR S.A.)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 183
 Dual Message Authorization
Table 0400601—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (All Business Transactions)—Authorization Requests

Table 0400601—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (All Business Transactions)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
various contactless magnetic stripe business transactions and process the
resulting Authorization Responses.
The tests in this table require that the tester use test cards in the TIP Test Tools
Subset 6. For information about obtaining Subset 6, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

NOTE: For all tests in this table, DE 61, SF 11 (POS Card Data Terminal Input Capability
Indicator) must contain the following information, based on the acquirer's terminal
capabilities:
• For terminals supporting both contactless M/Chip and contactless Magnetic Stripe
transactions: 3 (Contactless M/Chip [Proximity Chip])
• For terminals supporting only contactless Magnetic Stripe transactions: 4 (Contactless
Magnetic Stripe [Proximity Chip] only)

NOTE: CVM Limit Amounts are found in the Chargeback Guide.

Table 0400601—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (All Business Transactions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
1 010 0400601000 PURCHASE MCC_35
0 01 1 N/A SIGNATURE 00 91 0 1 00

MSR
CONTACTLESS
2 010 0400601000 PURCHASE MCC_35
0 02 1 N/A ONLINE PIN 00 91 0 V 1 00

MSR
CONTACTLESS
3 CAT LEVEL 1
010 0400601000 PURCHASE MCC_35
0 03 1 N/A ONLINE PIN 00 91 1 V 1 00

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 184
 Dual Message Authorization
Table 0400601—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (All Business Transactions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
4 CAT LEVEL 2
010 0400601000 PURCHASE NO MCC_35
0 04 1 N/A CVM 00 91 2 1 00

MSR
CONTACTLESS
5 CASH
010 0400601000 ADVANCE MCC_35
0 05 1 N/A SIGNATURE 17 91 0 1 00

MSR
CONTACTLESS
6 CASH
010 0400601000 ADVANCE MCC_35
0 06 1 N/A ONLINE PIN 17 91 0 V 1 00

MSR
CONTACTLESS
POS BALANCE
010 0400601000 INQUIRY MCC_35
7
0 07 1 N/A SIGNATURE 30 91 0 1 00
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

MSR
CONTACTLESS
POS BALANCE
010 0400601000 INQUIRY MCC_35
8
0 08 1 N/A ONLINE PIN 30 91 0 V 1 00
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

MSR
CONTACTLESS
9 010 0400601000 REFUND MCC_35
0 09 1 N/A SIGNATURE 20 91 0 1 00

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 185
 Dual Message Authorization
Table 0400601—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (All Business Transactions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
PURCHASE
WITH CASH
10
010 0400601000 BACK MCC_35
0 10 1 N/A SIGNATURE 09 91 0 1 00
Only supported in Europe region for credit acquirers.

MSR
CONTACTLESS
PURCHASE
WITH CASH
11
010 0400601000 BACK ONLINE MCC_35
0 11 1 N/A PIN 09 91 0 V 1 00
Only supported in Europe region for credit acquirers.

MSR
CONTACTLESS
ATM BALANCE
010 0400601000 INQUIRY MCC_35
12
0 16 1 N/A ONLINE PIN 30 91 * V 1 00
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

MSR
CONTACTLESS
13 ATM
010 0400601000 WITHDRAWAL MCC_35
0 17 1 N/A ONLINE PIN 01 91 * V 1 00

MSR
CONTACTLESS
ATM
14 010 0400601000 PURCHASE MCC_35
0 18 1 N/A ONLINE PIN 00 91 * V 1 00
ATM purchase transaction contains DE 18 and DE 48tcc applicable values.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 186
 Dual Message Authorization
Table 0400602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Authorization Requests

Table 0400602—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (Technical Conditions)—Authorization Requests
The following test cases will test whether the POS terminals deployed are able to
correctly process Mastercard contactless magnetic stripe cards that have specific
values set in the data contained on the cards.
Each test card contains both Track 1 and Track 2 data equivalents. The Acquirer
should send the track data from the card that meets their requirements in DE 35
(Track 2 Data) or DE 45 (Track 1 Data).

NOTE: For all tests in this table, DE 61, SF 11 (POS Card Data Terminal Input Capability
Indicator) must contain the following information, based on the acquirer's terminal
capabilities:
• For terminals supporting both contactless M/Chip and contactless Magnetic Stripe
transactions: 3 (Contactless M/Chip [Proximity Chip])
• For terminals supporting only contactless Magnetic Stripe transactions: 4 (Contactless
Magnetic Stripe [Proximity Chip] only)

The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 6. For information about obtaining Subset 6, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 0400602—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
AND CVM OF
010 0400602000 CUSTOMER MCC_35
0 01 1 N/A CHOICE ** 91 * * 3 00
1
Contactless magnetic stripe business transaction.
Service code = 502—per contactless magnetic stripe rules, acquirer ignores
service code in determining processing options.
0100 message must include Device Type = Mobile Tag (DE 48, SE 23 = 04), if
Acquirer supports transmittal of Device Type values.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 187
 Dual Message Authorization
Table 0400602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
AND CVM OF
010 0400602000 CUSTOMER MCC_35
0 02 1 N/A CHOICE ** 91 * * 4 00
2
Contactless magnetic stripe business transaction.
Service code = 601—per contactless magnetic stripe rules, acquirer ignores
service code in determining processing options.
Expired card—per contactless magnetic stripe rules, acquirer must not decline
because of expired card.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
AND CVM OF
010 0400602000 CUSTOMER MCC_35
0 03 1 N/A CHOICE ** 91 * * 6 00
Contactless magnetic stripe business transaction.

3 Service code = 101.

Card MCC_356 provides three different values for the discretionary data area
of the track data. Test cases 3 through 5 represent running a transaction with
card MCC_356 three times so that each different value is sent. So one test
case in the series should include one of the following track data values,
depending on the customers use of track 1 or track 2:
Track 1: B5413330056003560^CUST IMP MC 356/
1^251210100000170099909919769790.
Track 2: 5413330056003560D25121010000066010.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 188
 Dual Message Authorization
Table 0400602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
AND CVM OF
010 0400602000 CUSTOMER MCC_35
0 04 1 N/A CHOICE ** 91 * * 6 00
Contactless magnetic stripe business transaction.

4 Service code = 101.

Card MCC_356 provides three different values for discretionary data area of
the track data. Test cases 3 through 5 represent running a transaction with
card MCC_356 three times so that each different value is sent. So one test
case in the series should include one of the following track data values,
depending on the customers use of track 1 or track 2:
Track 1: B5413330056003560^CUST IMP MC 356/
2^251210100300009900276999009990.
Track 2: 5413330056003560D25121019090298920.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
AND CVM OF
010 0400602000 CUSTOMER MCC_35
0 05 1 N/A CHOICE ** 91 * * 6 00
Contactless magnetic stripe business transaction.

5 Service code = 101.

Card MCC_356 provides three different values for the discretionary data area
of the track data. Test cases 3 through 5 represent running a transaction with
card MCC_356 three times so that each different value is sent. So one test
case in the series should include one of the following track data values,
depending on the customers use of track 1 or track 2:
Track 1: B5413330056003560^CUST IMP MC 356/
3^251210100990399049909990599320.
Track 2: 5413330056003560D25121010109743970.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 189
 Dual Message Authorization
Table 0400602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
AND CVM OF
010 0400602000 CUSTOMER MCC_40
0 06 1 N/A CHOICE ** 91 * * 6 00
040
0 1 N/A DE 39 = 17 00
Contactless magnetic stripe business transaction. Card is an M/Chip
6 contactless card. Service code = 201.
Customer must provide both transaction receipt and terminal display details.
0100: DE 4 (Amount, Transaction) must be 000000010033 to obtain
appropriate data in response message.
0100 message must include Device Type = Card DE 48, SE 23 = 00, if Acquirer
supports transmittal of Device Type values.
0110: PAN Mapping File Information (DE 48, SE 33) included
0410: PAN Mapping File Information (DE 48, SE 33) included.
This test case must not be executed by Contactless M/Chip acquirers.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 190
 Dual Message Authorization
Table 0400603—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe Mobile (Technical Conditions)—Authorization Requests

Table 0400603—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe Mobile (Technical Conditions)—Authorization
Requests
The following test cases will test whether the POS terminals deployed are able to
correctly process Mastercard contactless Mobile magnetic stripe cards that have
specific values set in the data contained on the cards.

NOTE: These test cases are included to satisfy the Terminal Integration Process (TIP), as
well as Network Interface Validation (NIV). All test cases must be repeated for each
different terminal type, or manufacturers— brand of terminal type that customers intend to
deploy. For example, they must be repeated for each of manufacturer A POS terminal,
manufacturer B POS terminal, manufacturer A CAT level 1 terminal, manufacturer B CAT
level 1 terminal, etc. The terminal being tested must have been approved previously
(hardware/software/firmware) by Mastercard.

NOTE: For all tests in this table, DE 61, SF 11 (POS Card Data Terminal Input Capability
Indicator) must contain the following information, based on the acquirer's terminal
capabilities:
• For terminals supporting both contactless M/Chip and contactless Magnetic Stripe
transactions: 3 (Contactless M/Chip [Proximity Chip])
• For terminals supporting only contactless Magnetic Stripe transactions: 4 (Contactless
Magnetic Stripe [Proximity Chip] only)

NOTE: The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 6. For information about obtaining Subset 6, please see M/Chip Qualified Test Tools.

NOTE: CVM Limit Amounts are found in the Chargeback Guide.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 191
 Dual Message Authorization
Table 0400603—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe Mobile (Technical Conditions)—Authorization Requests

Table 0400603—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe Mobile (Technical Conditions)—Authorization
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
010 0400603000 OF CUSTOMER MCC_37
0 01 1 N/A CHOICE ** 91 * * 1A 00
1 The objective of this test case is to ensure that a terminal not supporting
Mastercard contactless version 3 correctly completes a transaction with a
Mobile device.
The transaction must be run by Acquirers whose terminal does not support
Mastercard contactless version 3.
Amount of transaction must be below the Contactless Transaction limit.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
010 0400603000 OF CUSTOMER MCC_37
0 02 1 N/A CHOICE ** 91 * * 1A 00
The objective of this test case is to ensure that a terminal supporting
2 Mastercard contactless version 3 correctly completes a transaction with a
Mobile device not requesting On-Device cardholder verification below the
CVM Required Limit.
This transaction must be run by Acquirers whose terminal supports
MasterCard contactless v3 and is configured with a CVM Required Limit
greater than 0.
Amount of transaction must be below the Mastercard CVM Required Limit.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 192
 Dual Message Authorization
Table 0400603—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe Mobile (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS MCC_37
TRANSACTION 1A
010 0400603000 OF CUSTOMER MCC_37
0 03 1 N/A CHOICE ** 91 * 1B 00
The objective of this test case is to ensure that a terminal correctly manages
supporting Mastercard contactless version 3 correctly, completes a
transaction with a Mobile device requesting On-Device cardholder verification
and successfully completes a transaction with a Mobile device indicating a
"PIN verification successfully".
3
This transaction must be run by Acquirers whose terminal supports
Mastercard contactless v3 and is configured with a CVM Required Limit
smaller than the Contactless Transaction Limit.
Amount of transaction must be above the Mastercard CVM Required limit but
below the Contactless Transaction Limit.
The acquirer must first execute a transaction as described above using
MCC_371A. The terminal then displays message stating "Please see phone" or
similar message. Then the acquirer must tap MCC_371B on the terminal and
re-enter the same transaction if prompted for it. The 0100 message will be
generated after the tap with MCC_371B. This must be done together and in
this order.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
010 0400603000 OF CUSTOMER MCC_37
0 04 1 N/A CHOICE ** 91 * 1A 00
The objective of this test case is to ensure that a terminal supporting
4 Mastercard contactless version 3 correctly completes a transaction with a
Mobile device not requesting On-Device cardholder verification.
This transaction must be run by Acquirers whose terminal supports
Mastercard contactless v3, is configured with a CVM Required Limit smaller
than the Contactless Transaction Limit and does not support On-device
Cardholder Verification.
Amount of transaction must be above the CVM Required Limit but below the
Contactless Transaction Limit.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 193
 Dual Message Authorization
Table 0400603—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe Mobile (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
010 0400603000 OF CUSTOMER MCC_37
0 05 1 N/A CHOICE ** 91 * 1B 00

5 The objective of this test case is to ensure that a terminal supporting

Mastercard contactless version 3 correctly completes a transaction with a
Mobile device indicating PIN verification successful.
This transaction must be run by Acquirers whose terminal supports
Mastercard contactless v3 and is configured with a CVM Required Limit equal
to the Contactless Transaction Limit.
Amount of transaction must be below the Contactless Transaction Limit.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
010 0400603000 OF CUSTOMER MCC_37
0 06 1 N/A CHOICE ** 91 * 2 00
The objective of this test case is to ensure that a terminal supporting
Mastercard contactless version 3 correctly completes a transaction with a
6 Mobile device not requesting On-Device cardholder verification and transmits
the Device Type correctly, if supported.
This transaction must be run by Acquirers whose terminal supports
Mastercard contactless v3 and that transmit the Device Type data element.
Amount of transaction must be above the CVM Required Limit but below the
Contactless Transaction Limit.
0100 message Device Type = Mobile (DE 48, SE 23 = 01), if present although
any other valid values may be sent as needed.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 194
 Dual Message Authorization
Table 0400603—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe Mobile (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
010 0400603000 OF CUSTOMER MCC_37
0 07 1 N/A CHOICE ** 91 * 3 00
The objective of this test case is to ensure that a terminal supporting
7 Mastercard contactless version 3 correctly completes a transaction with a
Mobile device requesting On-Device cardholder verification.
This transaction must be run by Acquirers whose terminal supports
Mastercard contactless v3 and the CVM Required Limit is greater than 0.
Amount of transaction must be below the CVM Required Limit.
The terminal must display "Please see phone" or similar message.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
010 0400603000 OF CUSTOMER MCC_37
0 09 1 N/A CHOICE ** 91 * 4 00
8 The objective of this test case is to ensure that a terminal supporting
Mastercard contactless version 3 correctly completes a transaction with a
Mobile device indicating PIN verification successful.
This transaction must be run by Acquirers whose terminal supports
Mastercard contactless v3 and the CVM Required Limit is greater than 0.
Amount of transaction must be below the CVM Required Limit.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 195
 Dual Message Authorization
Table 0400605—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Token)—Authorization Requests

Table 0400605—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (Token)—Authorization Requests
The following test cases will test whether an acquirer Dual Message online
application is able to send properly formatted device token purchase Authorization
Requests which may contain optional DE 48, SE 33; and process the resulting
Authorization Responses containing DE 48, SE 33 when successful PAN mapping.

NOTE: This test requests that the tester use test cards in the TIP Test Tools Subset 6. For
information about obtaining Subset 6, please see M/Chip Qualified Test Tools document
within the Chip and Contactless Information Center of Publications on Mastercard
Connect.

Table 0400605—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (Token)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
AND CVM OF
010 0400605000 CUSTOMER MCC_35
0 01 1 N/A CHOICE ** 91 * * 1 00
Authorization request meets the contactless magnetic stripe specific general
acceptance criteria.
Issuer and cardholder participating in Mastercard Digital Enablement Service.
1
DE 4 (Amount, Transaction) must be 000000005633 to obtain appropriate
data in response message.
DE 48, SE 23, SF 1 (Device Type) valid value.
optional DE 48, SE 33, SF 6 (Token Requestor ID).
0110: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN), SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 196
 Dual Message Authorization
Table 0400614—Acquirer Credit and Debit—MSR Product and Services—Private Label Non-
Financial Service—Authorization Requests

Table 0400614—Acquirer Credit and Debit—MSR Product and Services—Private

Label Non-Financial Service—Authorization Requests
The following test case will test whether an acquirer's Dual Message authorization
application can send correctly formatted Authorization Requests to support the
Private Label Non-Financial Service and process the resulting Authorization
Response value of 05 in DE 39.
The Private Label Non-Financial Service provides purchase point-of-sale
information to manufacturers of luxury goods for use in various applications, such
as warranty registration or inventory forecasting.
Acquirers supporting merchants participating in the MasterCard Private Label
Non-Financial Service should be aware that Authorization Request/0100
transactions submitted with product code PVA (Private Label A) will be routed to
and declined by Stand-In processing with DE 39 (Response Code), value 05 (Do Not
Honor). Acquirers should pass the decline response to the merchant and take no
further action.

Table 0400614—Acquirer Credit and Debit—MSR Product and Services—Private

Label Non-Financial Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400614000 PURCHASE NO
1 0 01 1 1 CVM 00 90 0 PVA_101 05
0110: DE 39 = 05 (Do not honor)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 197
 Dual Message Authorization
Table 0400620—Acquirer Credit and Debit—MSR Product and Services—Fleet Cards—
Authorization Requests

Table 0400620—Acquirer Credit and Debit—MSR Product and Services—Fleet Cards

—Authorization Requests
Mastercard BINs identified as Fleet Card trigger prompting at the merchant
terminal and the request of fleet card information such as ID, driver, or vehicle
number.
• Within BIN ranges 553231 to 553380, 556083 to 556099, 556100 to 556599, and
556700 to 556999.
• For these card accepter business codes (MCCs) only: 4468, 5499, 5541, 5542,
5983.
Usage of MCC 5542 requires CAT level 2 code.
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Request
messages containing fleet card information and can receive Authorization Request
Response messages containing a decline response code and additional response
information in DE 44 (Additional Response Data) when there is a problem with the
provided fleet card information.

Table 0400620—Acquirer Credit and Debit—MSR Product and Services—Fleet Cards

—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400620000 PURCHASE
0 01 1 1 SIGNATURE 00 90 * MCF_001 00
1
Product type code value 1 (ID number and odometer)—valid ID number
provided at POI.

MSR
010 0600501000 PURCHASE
0 02 1 1 SIGNATURE 00 90 * MCF_002 00
2
Product type code value 2 (Vehicle number and odometer)—valid vehicle
number provided at POI.

MSR
010 0400620000 PURCHASE
0 03 1 1 SIGNATURE 00 90 * MCF_003 00
3
Product type code value 3 (Driver number and odometer)—valid driver number
provided at POI.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 198
 Dual Message Authorization
Table 0400620—Acquirer Credit and Debit—MSR Product and Services—Fleet Cards—
Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
010 0400620000 PURCHASE
4 0 04 1 0 SIGNATURE 00 90 * MCF_004 00
Product type code value 4 (Odometer only).

MSR
010 0400620000 PURCHASE
5 0 05 1 0 SIGNATURE 00 90 * MCF_005 00
Product type code value 5 (No prompt).
MSR
010 0400620000 PURCHASE
0 06 1 0 SIGNATURE 00 90 * MCF_011 12
6 Product type code value 1 (ID number and odometer)—invalid ID number
provided at POI
Issuer response includes DE 44 = 01

MSR
010 0400620000 PURCHASE
0 07 1 0 SIGNATURE 00 90 * MCF_012 12
7 Product type code value 2 (Vehicle number and odometer)—invalid vehicle
number provided at POI
Issuer response includes DE 44 = 03

MSR
010 0400620000 PURCHASE
0 08 1 0 SIGNATURE 00 90 * MCF_013 12
8 Product type code value 3 (Driver number and odometer)—invalid driver
number provided at POI
Issuer response includes DE 44 = 02

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 199
 Dual Message Authorization
Table 0400621—Acquirer Credit and Debit—MSR Product and Services—Transit Program
(Prefunded Model)—Authorization Requests

Table 0400621—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Prefunded Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Prefunded Model transaction and process the resulting Authorization
Responses.

Table 0400621—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Prefunded Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ELECTRONIC DMC_40
COMMERCE 6_GBR
010 0400621000 PURCHASE NO DMC_40
0 01 1 N/A CVM 00 81 6 6_IRL 00
Transit Prefunded Model transaction
1 DE 4 (Amount, Transaction) contains fare for travel subscription or plan
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 01 (Prefunded) and
SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 200
 Dual Message Authorization
Table 0400622—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Real-
Time Authorized Model)—Authorization Requests

Table 0400622—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Real-Time Authorized Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Debt Recovery for Real-Time Authorized Model transactions, and
process the resulting Authorization Responses.

Table 0400622—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Real-Time Authorized Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
MANUAL DMC_40
ENTRY 6_GBR
010 0400622000 PURCHASE NO DMC_40
0 07 1 N/A CVM 00 01 0 6_IRL 00
Card not present manual entry debt recovery transit transaction for
automatic debt recovery, mail order, or phone order
1
DE 2 (Primary Account Number [PAN]) contains funding PAN
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 201
 Dual Message Authorization
Table 0400622—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Real-
Time Authorized Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ELECTRONIC DMC_40
COMMERCE 6_GBR
010 0400622000 PURCHASE NO DMC_40
0 08 1 N/A CVM 00 81 6 6_IRL 00
Card not present electronic commerce debt recovery transit transaction
DE 2 (Primary Account Number [PAN]) contains funding PAN
2
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 202
 Dual Message Authorization
Table 0400623—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Post-
Authorized Aggregated Model)—Authorization Requests

Table 0400623—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Post-Authorized Aggregated Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Debt Recovery for Post-Authorized Aggregated Model transactions and
process the resulting Authorization Responses.

Table 0400623—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Post-Authorized Aggregated Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
MANUAL DMC_40
ENTRY 6_GBR
010 0400623000 PURCHASE NO DMC_40
0 07 1 N/A CVM 00 01 0 6_IRL 00
Card not present manual entry debt recovery transit transaction for
automatic debt recovery, mail order, or phone order
1
DE 2 (Primary Account Number [PAN]) contains funding PAN
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 61, SF 5 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 203
 Dual Message Authorization
Table 0400623—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Post-
Authorized Aggregated Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ELECTRONIC DMC_40
COMMERCE 6_GBR
010 0400623000 PURCHASE NO DMC_40
0 08 1 N/A CVM 00 81 6 6_IRL 00
Card not present electronic commerce debt recovery transit transaction
DE 2 (Primary Account Number [PAN]) contains funding PAN
2
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 5 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 204
 Dual Message Authorization
Table 0400624—Acquirer Credit and Debit—MSR Product and Services—Transit Program
(Authorized Aggregated Split Clearing Model)—Authorization Requests

Table 0400624—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Authorized Aggregated Split Clearing Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Debt Recovery for Authorized Aggregated Split Clearing transactions
and process the resulting Authorization Responses.

Table 0400624—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Authorized Aggregated Split Clearing Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
MANUAL DMC_40
ENTRY 6_GBR
010 0400624000 PURCHASE NO DMC_40
0 07 1 N/A CVM 00 01 0 6_IRL 00
Card not present manual entry debt recovery transit transaction for
automatic debt recovery, mail order, or phone order
1
DE 2 (Primary Account Number [PAN]) contains funding PAN
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 61, SF 5 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 205
 Dual Message Authorization
Table 0400624—Acquirer Credit and Debit—MSR Product and Services—Transit Program
(Authorized Aggregated Split Clearing Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ELECTRONIC DMC_40
COMMERCE 6_GBR
010 0400624000 PURCHASE NO DMC_40
0 08 1 N/A CVM 00 81 6 6_IRL 00
Card not present electronic commerce debt recovery transit transaction
DE 2 (Primary Account Number [PAN]) contains funding PAN
2
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 5 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 206
 Dual Message Authorization
Table 0400626—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Authorization Requests

Table 0400626—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Debt Recovery for Post-Authorized Aggregated Maestro Model
transactions and process the resulting Authorization Responses.

Table 0400626—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
010 0400626000 PURCHASE NO
0 07 1 N/A CVM 00 01 0 MSI_406 00
Card not present manual entry debt recovery transit transaction for
automatic debt recovery, mail order, or phone order
DE 2 (Primary Account Number [PAN]) contains funding PAN
1 DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 61, SF 5 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 207
 Dual Message Authorization
Table 0400626—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
010 0400626000 PURCHASE NO
0 08 1 N/A CVM 00 81 6 MSI_406 00
Card not present electronic commerce debt recovery transit transaction
DE 2 (Primary Account Number [PAN]) contains funding PAN
DE 4 (Amount, Transaction) contains amount to be recovered
2 DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 5 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 208
 Dual Message Authorization
Table 0400633—Acquirer Credit and Debit—MSR Product and Services—Electric Vehicle Charging
—Authorization Requests

Table 0400633—Acquirer Credit and Debit—MSR Product and Services—Electric

Vehicle Charging—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Credential on File
Authorization Request messages for Electric Vehicle Charging transactions and
receive the resulting Authorization Response. The consumer downloads a
proprietary merchant app to their phone and stores a card on file with the
merchant. The consumer will load value to the wallet and the stored value balance
is decreased by each purchase amount. As needed, value is added via a top-up
transaction.

NOTE: Please see AN 3852—Revised Standards—Electric Vehicle Charging Transaction

Processing Procedures for details.

Table 0400633—Acquirer Credit and Debit—MSR Product and Services—Electric

Vehicle Charging—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE MCC_10
010 0400633000 PURCHASE 5
0 01 1 1 CDCVM 00 10 6 MSI_105 00
Authorization for electric vehicle charging; cardholder specifies order quantity;
and issuer approves request amount
DE 4 (Amount, Transaction) equals the amount for the service requested by
the cardholder
1
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00001
indicating final authorization
DE 61, SF 7 = 0 (Normal request)

NOTE: If request declined, merchant can resubmit the request later or request
a different payment instrument

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 209
 Dual Message Authorization
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated

Fuel Dispenser—Authorization Requests and Advices and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted preauthorization
Authorization Request for Automated Fuel Dispenser transactions; receive the
resulting Authorization Response; and then send completion Authorization Advice
or, if applicable, Reversal Request message.

NOTE: Please see AN 3886—Revised Standards—Automated Fuel Dispenser Transaction

Processing Procedures for details and effective dates and also AN 2697—Revised Standards
—Electronic Commerce Transactions at Automated Fuel Dispensers.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 210
 Dual Message Authorization
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated

Fuel Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
MCC_40
6
MSR OR MSR DMC_00
CONTACTLESS 1
PURCHASE DMC_40
CAT LEVEL 6
AND CVM OF MSI_001
010 0400645000 CUSTOMER MSI_406
0 01 1 1 CHOICE 00 ** * * PVL_101 00
012
0 1 1 DE 39 = 00 00
AFD swipe or tap preauthorization approved and completion advice sent
within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal maximum dispense or shut-off amount; a specific
1 amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0120: DE 4 contains final AFD amount (pumped amount or all zeroes) and DE
39 = 00 (Approved)
0120: may contain optional DE 28 (Amount, Transaction Fee) for surcharge
amount also included in DE 4
0120: DE 48, SE 20 = S (Signature) or P (Online PIN)
0120: DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization
Transaction)
0130: DE 48, SE 15 (Authorization System Advice Date and Time)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 211
 Dual Message Authorization
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
2
MCC_40
6
MSR OR MSR DMC_08
CONTACTLESS 2
PURCHASE DMC_40
CAT LEVEL 6
AND CVM OF MSI_078
010 0400645000 CUSTOMER MSI_406
0 02 1 1 CHOICE 00 ** * * PVL_110 10
012
0 1 1 DE 39 = 10 00
AFD swipe or tap preauthorization partially approved and completion advice
sent within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal maximum dispense or shut-off amount; a specific
2 amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator)
DE 61, SF 7 = 4 (Preauthorized Request)
0110: DE 4 contains partial approval amount; pump should stop if that
amount is reached
0120: DE 4 contains final AFD amount and DE 39 = 10 (Partial Approval)
0120: may contain optional DE 28 (Amount, Transaction Fee) for surcharge
amount also included in DE 4
0120: DE 48, SE 20 = S (Signature) or P (Online PIN)
0120: DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization
Transaction)
0130: DE 48, SE 15 (Authorization System Advice Date and Time)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 212
 Dual Message Authorization
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
MCC_40
6
MSR OR MSR DMC_00
CONTACTLESS 1
PURCHASE DMC_40
CAT LEVEL 6
AND CVM OF MSI_001
010 0400645000 CUSTOMER MSI_406
0 03 1 1 CHOICE 00 ** * * PVL_101 00
040
0 1 1 DE 39 = 17 00
AFD swipe or tap preauthorization approved and full reversal sent within 60
minutes due to cancelled purchase or no fuel pumped
DE 4 (Amount, Transaction) contains either an estimated amount
3 representing the terminal maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0400: DE 4 contains amount from preauthorization request
0400: DE 39 = 17 (Customer cancellation) or other applicable value
0400: DE 48, SE 63 (Trace ID) and DE 90 (Original Data Elements) must be
present
0400: DE 95 (Replacement Amounts) if present must contain all zeros to
indicate a full reversal

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 213
 Dual Message Authorization
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CNP
APPLICABLE
BUSINESS
TRANSACTION MCS_00
OF CUSTOMER 1
CHOICE DMC_00
PURCHASE 1
010 0400645000 CAT LEVEL 6 MSI_001
0 11 1 1 NO CVM 00 ** 6 PVL_101 00
012
0 1 1 DE 39 = 00 00
AFD in-app preauthorization approved and completion advice sent within 60
minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
4 DE 22, SF 1 (PAN entry mode) = 81 (Electronic Commerce with optional
Identity Check AAV or DSRP cryptogram); 09 (DSRP cryptogram in DE 55); or
10 (Credential on File)
DE 48, SE 42 (Electronic Commerce Indicators) and, if applicable, SE 43
(UCAF) valid values of customer choice
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0120: DE 4 contains final AFD amount (pumped amount or all zeroes) and DE
39 = 00 (Approved)
0120: may contain optional DE 28 (Amount, Transaction Fee) for surcharge
amount also included in DE 4
0120: DE 48, SE 20 = S (Signature) or P (Online PIN)
0120: DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization
Transaction)
0130: DE 48, SE 15 (Authorization System Advice Date and Time)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 214
 Dual Message Authorization
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CNP
APPLICABLE
BUSINESS
TRANSACTION MCS_08
OF CUSTOMER 2
CHOICE DMC_08
PURCHASE 2
010 0400645000 CAT LEVEL 6 MSI_078
0 12 1 1 NO CVM 00 ** 6 PVL_110 10
012
0 1 1 DE 39 = 10 00
AFD in-app preauthorization partially approved and completion advice sent
within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
5 DE 22, SF 1 (PAN entry mode) = 81 (Electronic Commerce with optional
Identity Check AAV or DSRP cryptogram); 09 (DSRP cryptogram in DE 55); or
10 (Credential on File)
DE 48, SE 42 (Electronic Commerce Indicators) and, if applicable, SE 43
(UCAF) valid values of customer choice
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator)
DE 61, SF 7 = 4 (Preauthorized Request)
0110: DE 4 contains partial approval amount; pump should stop if that
amount is reached
0120: DE 4 contains final AFD amount and DE 39 = 10 (Partial Approval)
0120: may contain optional DE 28 (Amount, Transaction Fee) for surcharge
amount also included in DE 4
0120: DE 48, SE 20 = S (Signature) or P (Online PIN)
0120: DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization
Transaction)
0130: DE 48, SE 15 (Authorization System Advice Date and Time)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 215
 Dual Message Authorization
Table 0400645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CNP
APPLICABLE
BUSINESS
TRANSACTION MCS_00
OF CUSTOMER 1
CHOICE DMC_00
PURCHASE 1
010 0400645000 CAT LEVEL 6 MSI_001
0 13 1 1 NO CVM 00 ** 6 PVL_101 00
040
0 1 1 DE 39 = 17 00
AFD in-app preauthorization approved and full reversal sent within 60
minutes due to cancelled purchase or no fuel pumped
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
6 DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 81 (Electronic Commerce with optional
Identity Check AAV or DSRP cryptogram); 09 (DSRP cryptogram in DE 55); or
10 (Credential on File)
DE 48, SE 42 (Electronic Commerce Indicators) and, if applicable, SE 43
(UCAF) valid values of customer choice
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0400: DE 4 contains amount from preauthorization request
0400: DE 39 = 17 (Customer cancellation) or other applicable value
0400: DE 48, SE 63 (Trace ID) and DE 90 (Original Data Elements) must be
present
0400: DE 95 (Replacement Amounts) if present must contain all zeros to
indicate a full reversal

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 216
 Dual Message Authorization
Table 0400703—Acquirer Credit and Debit—MSR Product and Services—Cardholder
Authentication (Poland)—Authorization Requests

Table 0400703—Acquirer Credit and Debit—MSR Product and Services—Cardholder

Authentication (Poland)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application that is participating in the Poland authentication service
can submit properly formatted Account Status Inquiry request with DE 48, SE 53,
SF 1 (E-ID Request Value) in Authorization Request messages and receive the
resulting Authorization Responses.

NOTE: Issuers will send the cardholder information to acquirer or merchant outside of
Mastercard network.

Table 0400703—Acquirer Credit and Debit—MSR Product and Services—Cardholder

Authentication (Poland)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1,200
DMC_00
MSR 1,200
010 0400703000 PURCHASE MSI_001,
0 01 1 0 ONLINE PIN 00 90 0 V 700 **
Account Status Inquiry domestic Poland authentication service request for
additional cardholder information
1
DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount,
Transaction) contains a value equal to zero
DE 48, SE 53, SF 1 = 01 (Informs the issuer to pull cardholder personal data
for E-ID/Health ID Verification Purposes)

NOTE: Use first card_id to receive response code '00' or second card_id to
receive response code '85'

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 217
 Dual Message Authorization
Table 0400703—Acquirer Credit and Debit—MSR Product and Services—Cardholder
Authentication (Poland)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1,200
DMC_00
MSR 1,200
010 0400703000 PURCHASE MSI_001,
0 02 1 0 ONLINE PIN 00 90 0 V 700 **
Account Status Inquiry domestic Poland authentication service request for
additional cardholder information
2
DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount,
Transaction) contains a value equal to zero
DE 48, SE 53, SF 1 = 02 (Informs the issuer to verify and send the age of the
cardholder)

NOTE: Use first card_id to receive response code '00' or second card_id to
receive response code '85'

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 218
 Dual Message Authorization
Table 0400707—Acquirer Credit and Debit—MSR Product and Services—Receipt Free Text (Peru)
—Authorization Requests

Table 0400707—Acquirer Credit and Debit—MSR Product and Services—Receipt

Free Text (Peru)—Authorization Requests
The following test case will test whether an acquirer's Dual Message authorization
application can receive and process Authorization Responses containing Receipt
Free Text in DE 123.

Table 0400707—Acquirer Credit and Debit—MSR Product and Services—Receipt

Free Text (Peru)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_62
MSR 2
010 0400707000 PURCHASE DMC_19
0 01 1 0 SIGNATURE 00 90 0 0 00
1
0110: DE 123 contains receipt free text

NOTE: Applicable for Peru intracountry transactions.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 219
 Dual Message Authorization
Table 0400709—Acquirer Credit and Debit—MSR Product and Services—Terminal Compliance
Indicator (India)—Authorization Requests

Table 0400709—Acquirer Credit and Debit—MSR Product and Services—Terminal

Compliance Indicator (India)—Authorization Requests
The following test case will test whether an acquirer Dual Message online
application is able to send properly formatted Authorization Requests containing
the Terminal Compliant Indicator in DE 48, subelement 65 for POS transactions
acquired in the country of India and process the resulting Authorization Responses.

Table 0400709—Acquirer Credit and Debit—MSR Product and Services—Terminal

Compliance Indicator (India)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR MCS_00
PURCHASE 1
CVM OF DMC_00
010 0400709000 CUSTOMER 1
1 0 01 1 0 CHOICE 00 90 0 * MSI_001 00
DE 48, SE 65 (Terminal Compliant Indicator) indicating certification of
Terminal Line Encryption (TLE) and Unique Key Per Terminal/Derived Unique
Key Per Terminal (UKPT/DUKPT).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 220
 Dual Message Authorization
Table 0400715—Acquirer Credit and Debit—MSR Product and Services—Transit Top-Up Payment
Transactions (India)— Authorization Requests

Table 0400715—Acquirer Credit and Debit—MSR Product and Services—Transit Top-

Up Payment Transactions (India)— Authorization Requests
The following test cases will test whether an acquirer Dual Message authorization
application can send India domestic transit top-up payment transactions
containing applicable data in correctly formatted Authorization Requests and
receive the resulting Authorization Responses.

Table 0400715—Acquirer Credit and Debit—MSR Product and Services—Transit Top-

Up Payment Transactions (India)— Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
PAYMENT
010 0400715000 TRANSACTION MCC_00
0 01 1 N/A NO CVM 28 10 0 1 00
Auto top-up rePower Load Payment Transaction authorization request via a
merchant initiated transaction.
DE 18 (Merchant Type [MCC]) = 6532 (Payment Transaction - Member
1 Financial Institution) or 6533 (Payment Transaction - Merchant)
DE 48tcc = P (Payment Transaction)
DE 48, SE 63 (Trace ID) of the first authorization must be present
DE 48, SE 77 (Transaction Type Identifier) = C03 (Mastercard rePower)

NOTE: The balance in the card will not be updated until a subsequent chip
contact POS retail or ATM transaction occurs and the issuer sends the EMV
issuer script to update the balance.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 221
 Dual Message Authorization
Table 0400715—Acquirer Credit and Debit—MSR Product and Services—Transit Top-Up Payment
Transactions (India)— Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
PAYMENT
010 0400715000 TRANSACTION MCS_00
0 02 1 N/A NO CVM 28 81 6 1 00
Top-up initiated by the cardholder through mobile or internet banking for a
rePower Load Payment Transaction authorization request via a merchant
initiated transaction.
2 DE 18 (Merchant Type [MCC]) = 6532 (Payment Transaction - Member
Financial Institution) or 6533 (Payment Transaction - Merchant)
DE 48tcc = P (Payment Transaction)
DE 48, SE 77 (Transaction Type Identifier) = C03 (Mastercard rePower)

NOTE: The balance in the card will not be updated until a subsequent chip
contact POS retail or ATM transaction occurs and the issuer sends the EMV
issuer script to update the balance.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 222
 Dual Message Authorization
Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2 RTS Compliance
(Europe Region)—Authorization Requests

Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2 RTS

Compliance (Europe Region)—Authorization Requests
The following test cases will test whether an acquirer Dual Message authorization
application that processes Europe domestic electronic transactions can support
the requirements for Strong Cardholder Authentication (SCA).

Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2 RTS

Compliance (Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400719000 PURCHASE NO 1
0 10 1 N/A CVM 00 81 6 MSI_001 00
1 e-Commerce transaction containing PSD2 SCA acquirer exemption for
non-3DS authorization and approved by issuer
DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) containing valid value of
customer choice
DE 48, SE 42 (Electronic Commerce Indicators) = 210 (no 3DS)

MCC_02
ELECTRONIC 3
COMMERCE DMC_02
010 0400719000 PURCHASE NO 3
0 11 1 N/A CVM 00 81 6 MSI_023 65
e-Commerce transaction containing PSD2 SCA acquirer exemption for
non-3DS authorization and declined by issuer
DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) containing valid value of
2
customer choice
DE 48, SE 42 (Electronic Commerce Indicators) = 210 (no 3DS)

NOTE: Online merchants in the Europe region must retry with an EMV 3DS
authentication in response to a declined authorization message with Response
Code 65. The merchant must not request the cardholder to re-enter card data
or any other data before performing the retry of the transaction that was
previously soft-declined by the issuer.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 223
 Dual Message Authorization
Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2 RTS Compliance
(Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400719000 PURCHASE NO 1
0 20 1 N/A CVM 00 81 6 MSI_001 00
e-Commerce first transaction in a series of recurring payment transactions
that has undergone SCA and approved by issuer
3 DE 48, SE 42 (Electronic Commerce Indicators) value 212 or 217 and SE 43
contains Accountholder Authentication Value (AAV) with leading indicator
"kB" or "kP"
DE 48, SE 66, SF 1 (Program Protocol) = 1 (3DS 1.0) or 2 (3DS 2.0); and, if
applicable, SF 2 (Directory Server Transaction ID)
DE 61, SF 4 (POS Cardholder Presence) = 4 (Standing order/recurring
transactions)

MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400719000 PURCHASE NO 1
0 21 1 N/A CVM 00 10 6 MSI_001 00
e-Commerce subsequent recurring payments that reference the initial SCA
and approved by issuer
4 DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) = 03 (Recurring Payment)
DE 48, SE 42 (Electronic Commerce Indicators) = 210 (no 3DS) and SE 43 not
present
DE 48, SE 63 (Trace ID) from the original Authorization Request Response/
0110 message
DE 61, SF 4 (POS Cardholder Presence) = 4 (Standing order/recurring
transactions)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 224
 Dual Message Authorization
Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2 RTS Compliance
(Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400719000 PURCHASE NO 1
0 30 1 N/A CVM 00 81 6 MSI_001 00
e-Commerce first transaction in a series of Merchant-initiated Transactions
(MIT) that has undergone SCA and approved by issuer
5 DE 48, SE 42 (Electronic Commerce Indicators) value 212 or 217 and SE 43
contains Accountholder Authentication Value (AAV) with leading indicator
"kB" or "kP"
DE 48, SE 66, SF 1 (Program Protocol) = 1 (3DS 1.0) or 2 (3DS 2.0); and, if
applicable, SF 2 (Directory Server Transaction ID)
DE 61, SF 4 (POS Cardholder Presence) = 4 (Standing order/recurring
transactions)

MCS_00
CREDENTIAL 1
ON FILE DMC_00
010 0400719000 PURCHASE NO 1
0 31 1 N/A CVM 00 10 6 MSI_001 00
e-Commerce subsequent Merchant-initiated Transactions that reference the
initial SCA and approved by issuer

6 DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) = 01 (Merchant Initiated

Transaction)
DE 48, SE 42 (Electronic Commerce Indicators) = 210 (no 3DS) and SE 43 not
present
DE 48, SE 63 (Trace ID) from the original Authorization Request Response/
0110 message
DE 61, SF 4 (POS Cardholder Presence) = 4 (Standing order/recurring
transactions)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 225
 Dual Message Authorization
Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2 RTS Compliance
(Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400719000 PURCHASE NO 1
0 40 1 1 CVM 00 81 6 MSI_001 00
EMV 3DS Authentication preceded Authorization Request containing AAV
7 DE 48, SE 42 (SLI) = 216 (Merchant Risk Based Decisioning) and SE 43
(UCAF) first two positions kN
DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) value 01, 02, 04, 05 of
customer choice

NOTE: This is the Mastercard recommended method that is likely to achieve

the superior approval rates

MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400719000 PURCHASE NO 1
0 41 1 1 CVM 00 81 6 MSI_001 00
EMV 3DS "Data Only" preceded Authorization Request
8
DE 48, SE 42 (SLI) = 214 (Not Authenticated) and SE 43 (UCAF) not present
DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) value 01, 02, 04, 05 of
customer choice

NOTE: This method is likely to achieve inferior approval rates compared to the
Mastercard recommended method

MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400719000 PURCHASE NO 1
0 42 1 1 CVM 00 81 6 MSI_001 00
No EMV 3DS Authentication, only Authorization Request
9
DE 48, SE 42 (SLI) = 210 (Not Authenticated) and SE 43 (UCAF) not present
DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) value 01, 02, 04, 05 of
customer choice

NOTE: This method is not recommend as it is likely to achieve the lowest

approval rates

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 226
 Dual Message Authorization
Table 0400719—Acquirer Credit and Debit—MSR Product and Services—PSD2 RTS Compliance
(Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400719000 PURCHASE NO 1
0 51 1 1 CVM 00 81 6 MSI_001 00

10 No EMV 3DS Authentication due to temporary outages preventing a

merchant from sending EMV—1 3-D Secure (3DS) authentication requests,
only Authorization Request
DE 48, SE 42 (SLI) = 210 (Not Authenticated) and SE 43 (UCAF) not present
DE 48, SE 22, SF 1 (Low-Risk Merchant Indicator) = 07 (Authentication
Outage Exception)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 227
 Dual Message Authorization
Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address Verification
Service—Authorization Requests

Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address

Verification Service—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
that contain an Address Verification Service (AVS) request indicator in DE 48, SE
82 (Address Verification Service Request), address information in DE 120 (Record
Data), and process the resulting Authorization Request Responses that contain
AVS response information in DE 48, SE 83 (Address Verification Service Response).

NOTE: Acquirers must submit an appropriate DE 4 (Amount, Transaction) value to obtain

the desired response value.

Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address

Verification Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 01 1 N/A CVM ** ** * PVC_000 00
1
DE 4 (Amount, Transaction) = nnnnnnnn8324 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8324 in position 9-12 to obtain desired response.
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = X (Postal code and address match)

MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 02 1 N/A CVM ** ** * PVC_000 00
2
DE 4 (Amount, Transaction) = nnnnnnnn8325 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8325 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = Y (Valid U.S. 5-digit zip code and address match)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 228
 Dual Message Authorization
Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address Verification
Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 03 1 N/A CVM ** ** * PVC_000 00
3
DE 4 (Amount, Transaction) = nnnnnnnn8326 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8326 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = Z (Valid U.S. 5-digit zip code and address does not
match)

MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 04 1 N/A CVM ** ** * PVC_000 00
4
DE 4 (Amount, Transaction) = nnnnnnnn8323 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8323 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = W (Postal code matches, address does not)

MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 05 1 N/A CVM ** ** * PVC_000 00
5
DE 4 (Amount, Transaction) = nnnnnnnn8301 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8301 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = A (Address matches, postal code does not)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 229
 Dual Message Authorization
Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address Verification
Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 06 1 N/A CVM ** ** * PVC_000 00
6
DE 4 (Amount, Transaction) = nnnnnnnn8314 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8314 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = N (Neither address nor postal code matches)

MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 07 1 N/A CVM ** ** * PVC_000 00
7
DE 4 (Amount, Transaction) = nnnnnnnn8321 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8321 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = U (No data from issuer/authorization system)

MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 08 1 N/A CVM ** ** * PVC_000 00
8
DE 4 (Amount, Transaction) = nnnnnnnn8318 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8318 in position 9-12to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = R (Retry system unable to process)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 230
 Dual Message Authorization
Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address Verification
Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 09 1 N/A CVM ** ** * PVC_000 00
9
DE 4 (Amount, Transaction) = nnnnnnnn8319 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8319 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100)
0110: DE 48, SE 83 = S (AVS currently not supported)

MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 10 1 N/A CVM ** ** * PVC_000 00
10 DE 4 (Amount, Transaction) = nnnnnnnn8337 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8337 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100) and SE 92 = CVC 2
present
0110: DE 48, SE 83 = X (Postal code and address match) and SE 87 = M (Valid
CVC 2 match)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 231
 Dual Message Authorization
Table 0400801—Acquirer Credit and Debit—MSR Product and Services—Address Verification
Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400801000 CHOICE NO PVL_000
0 11 1 N/A CVM ** ** * PVC_000 00
11 DE 4 (Amount, Transaction) = nnnnnnnn8338 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8338 in position 9-12 to obtain desired response
DE 48, SE 82 = 52 (AVS and Authorization Request/0100) and SE 92 = CVC 2
present
0110: DE 48, SE 83 = Y (Valid U.S. 5-digit zip code and address match) and SE
87 = M (Valid CVC 2 match)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 232
 Dual Message Authorization
Table 0400803—Acquirer Credit and Debit—MSR Product and Services—CVC 2—Authorization
Requests

Table 0400803—Acquirer Credit and Debit—MSR Product and Services—CVC 2—

Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests,
and process the resulting Authorization Responses under conditions which are
specific to additional features available. The CVC 2 test cases verify that an
acquirer can correctly forward the CVC 2 value from the signature panel of the
card in DE 48, SE 92 of the authorization message. Use of the CVC 2 can be
beneficial for acquirers, especially in non face-to-face transactions.

NOTE: The presence of CVC 2 and the CVC 2 response codes tested do not represent the
full range possible.

NOTE: Acquirers must submit an appropriate DE 4 (Amount, Transaction) value to obtain

the desired response value.

Table 0400803—Acquirer Credit and Debit—MSR Product and Services—CVC 2—

Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400803000 CHOICE NO PVL_000
1 0 01 1 0 CVM ** ** * PVC_000 00
DE 4 (Amount, Transaction) = nnnnnnnn8713 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8713 in position 9-12 to obtain desired response
0110: DE 48, SE 87 = M (Valid CVC 2 match)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 233
 Dual Message Authorization
Table 0400803—Acquirer Credit and Debit—MSR Product and Services—CVC 2—Authorization
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400803000 CHOICE NO PVL_000
2 0 02 1 0 CVM ** ** * PVC_000 05
DE 4 (Amount, Transaction) = nnnnnnnn8714 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8714 in position 9-12 to obtain desired response
0110: DE 48, SE 87 = N (Invalid CVC 2 non-match)

MCS_00
0
CNP BUSINESS DMC_00
TRANSACTION 0
OF CUSTOMER MSI_000
010 0400803000 CHOICE NO PVL_000
3 0 03 1 0 CVM ** ** * PVC_000 00
DE 4 (Amount, Transaction) = nnnnnnnn8721 where nnnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
transaction currency and 8721 in position 9-12 to obtain desired response
0110: DE 48, SE 87 = U (Unable to process CVC 2)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 234
 Dual Message Authorization
Table 0400808—Acquirer Credit and Debit—MSR Product and Services—Account Status Inquiry
Service—Authorization Requests

Table 0400808—Acquirer Credit and Debit—MSR Product and Services—Account

Status Inquiry Service—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Account Status Inquiry
Service transactions including optional AVS request or CVC 2 in the Authorization
Requests and process the resulting Authorization Response information including
DE 39 (Response Code) as well as any AVS or CVC 2 response.

NOTE: Acquirers must submit an appropriate DE 4 (Amount, Transaction) value to obtain

the desired response value.

Table 0400808—Acquirer Credit and Debit—MSR Product and Services—Account

Status Inquiry Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_20
0,220
DMC_20
0,220
MSI_700,
CNP 720
PURCHASE OF PVL_300,
CUSTOMER 320
1 010 0400808000 CHOICE NO PVC_300,
0 01 1 1 CVM 00 ** * 320 V
Account status inquiry only
DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount,
Transaction) contains a value equal to zero

NOTE: Use first card_id to receive response code '85' or second card_id to
receive response code '05'

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 235
 Dual Message Authorization
Table 0400808—Acquirer Credit and Debit—MSR Product and Services—Account Status Inquiry
Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_20
7
CNP DMC_20
PURCHASE OF 7
CUSTOMER MSI_707
010 0400808000 CHOICE NO PVL_307
0 02 1 1 CVM 00 ** * PVC_307 85
2
Account status inquiry with AVS request
DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount,
Transaction) contains a value equal to zero
DE 48, SE 82 = 52 (AVS and Authorization Request)
0110: DE 48, SE 83 = X (Postal code and address match)

MCS_21
0
CNP DMC_21
PURCHASE OF 0
CUSTOMER MSI_710
010 0400808000 CHOICE NO PVL_310
0 03 1 1 CVM 00 ** * PVC_310 85
Account status inquiry with AVS request and CVC 2 verification request
3
DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount,
Transaction) contains a value equal to zero
DE 48, SE 82 = 52 (AVS and Authorization Request)
DE 48, SE 92 = CVC 2 value
0110: DE 48, SE 83 = Y (Valid U.S. 5-digit zip code and address match)
0110: DE 48, SE 87 = M (Valid CVC 2)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 236
 Dual Message Authorization
Table 0400808—Acquirer Credit and Debit—MSR Product and Services—Account Status Inquiry
Service—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_21
2
CNP DMC_21
PURCHASE OF 2
CUSTOMER MSI_712
010 0400808000 CHOICE NO PVL_311
0 04 1 1 CVM 00 ** * PVC_312 85
4
Account status inquiry with CVC 2 request
DE 61, SF 7 = 8 (Account Status Inquiry Service) and DE 4 (Amount,
Transaction) contains a value equal to zero
DE 48, SE 92 = CVC 2 value
0110: DE 48, SE 87 = M (Valid CVC 2)

MANUAL MCS_00
ENTRY 1
PAYMENT DMC_00
010 0400808000 TRANSACTION 1
0 05 1 1 NO CVM 28 01 0 MSI_001 00
Account Status Inquiry for a Payment Transaction

5 DE 3, SF 1 = 28 (Payment Transaction) and DE 4 can be equal or greater than

zero
DE 18 = MCC 6533 (Payment Transaction—Merchant) or MCC 6532 (Payment
Transaction—Customer Financial Institution) or any other valid value for the
payment transaction types.
DE 48, SE 77 contains any valid value except MoneySend payment types.
DE 61, SF 7 = 8 (Account Status Inquiry Service)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 237
 Dual Message Authorization
Table 0400821—Acquirer Credit and Debit—MSR Product and Services—MoneySend Payment
Transactions—Authorization and Reversal Requests

Table 0400821—Acquirer Credit and Debit—MSR Product and Services—MoneySend

Payment Transactions—Authorization and Reversal Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted MoneySend Payment
Transactions in Authorization and Reversal Requests, and process the resulting
Authorization Responses.

NOTE: Acquirer must be an approved Originating Institution (OI) or transaction will be

rejected.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 238
 Dual Message Authorization
Table 0400821—Acquirer Credit and Debit—MSR Product and Services—MoneySend Payment
Transactions—Authorization and Reversal Requests

Table 0400821—Acquirer Credit and Debit—MSR Product and Services—MoneySend

Payment Transactions—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY OR
ELECTRONIC MCS_00
COMMERCE 1
PAYMENT DMC_00
010 0400821000 TRANSACTION 1
0 01 1 1 NO CVM 28 ** * MSI_001 00
040
0 1 1 DE 39 = 06 00
MoneySend Payment Transaction
DE 4 transaction amount must equal 000000006700 to obtain Sanction
Screening Score response data
DE 14 (Date, Expiration) is optional
1 DE 18 = MCC 6537 (MoneySend Intercountry) or MCC 6536 (MoneySend
Intracountry)
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48tcc = P (Payment) and SE 77 = any valid MoneySend value C07, C52-
C57, and C65 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01,03 are mandatory only for
cross-border; SE 02 (Sender Data), SF 01, 03, 04, 05, 07, 11, 18 are
mandatory; and SE 03 (Transaction Reference Data), SF 01, 03 are
mandatory
0110: DE 48, SE 67, SF 1 contains Sanction Screening Score (if applicable)
value between 000-100. A higher score indicates a closer match to names on
the applicable screening lists, while lower scores indicate a less likely match.
0400: Full reversal, DE 39 = 06 (Error); DE 108 must be present.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 239
 Dual Message Authorization
Table 0400821—Acquirer Credit and Debit—MSR Product and Services—MoneySend Payment
Transactions—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY OR
ELECTRONIC MCS_00
COMMERCE 1
PAYMENT DMC_00
010 0400821000 TRANSACTION 1
0 02 1 1 NO CVM 28 ** * MSI_001 00
MoneySend Payment Transaction
DE 4 transaction amount not to exceed the applicable MoneySend Payment
Transaction limit
DE 14 (Date, Expiration) is optional
2 DE 18 = MCC 6537 (MoneySend Intercountry) or MCC 6536 (MoneySend
Intracountry)
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48tcc = P (Payment) and SE 77 = any valid MoneySend value C07, C52-
C57, and C65 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01,03 are mandatory only for
cross-border; SE 02 (Sender Data), SF 01, 03, 04, 05, 07, 11, 18 are
mandatory; and SE 03 (Transaction Reference Data), SF 01, 03 are
mandatory
0110: DE 48, SE 67, SF 1 (Sanction Screening Score) is not applicable) and not
present

MCS_08
MSR ATM 6
PAYMENT DMC_00
010 0400821000 TRANSACTION 1
0 11 1 1 ONLINE PIN 28 90 0 V MSI_001 00
MoneySend Cash2ATM only if acquired in approved countries
DE 18 = 6536 (MoneySend intracountry) and DE 48tcc = P (Payment
3 Transaction)
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48, SE 77 = C58 (MoneySend Cash2ATM)
DE 108, SE 01 (Receiver/Recipient Data), SFs 01,03 are mandatory only for
cross-border; SE 02 (Sender Data), SF 01, 03, 04, 05, 07, 11, 18 are
mandatory; and SE 03 (Transaction Reference Data), SF 01, 03 are
mandatory

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 240
 Dual Message Authorization
Table 0400821—Acquirer Credit and Debit—MSR Product and Services—MoneySend Payment
Transactions—Authorization and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP
PAYMENT MCS_08
TRANSACTION 6
AND CVM OF DMC_00
010 0400821000 CUSTOMER 1
0 12 1 1 CHOICE 28 ** * * MSI_001 00
MoneySend Cash2Card only if acquired in approved countries
DE 18 = 6536 (MoneySend intracountry) and DE 48tcc = P (Payment
4 Transaction)
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48, SE 77 = C59 (MoneySend Cash2Card)
DE 108, SE 01 (Receiver/Recipient Data), SFs 01,03 are mandatory only for
cross-border; SE 02 (Sender Data), SF 01, 03, 04, 05, 07, 11, 18 are
mandatory; and SE 03 (Transaction Reference Data), SF 01, 03 are
mandatory

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 241
 Dual Message Authorization
Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Authorization Requests

Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile

Remote Payments Program—Authorization Requests
Test cases 1-8 will test whether an acquirer's Dual Message application that is
participating in the optional Mobile Remote Payments Program can send correctly
formatted Authorization Requests containing DE 22, Subfield 1 = 82 (PAN Auto
Entry via Server), DE 48, Subelement 48, Subfield 1 = 1 (Issuer Domain), Subfield 2,
and applicable Subfields 3 and/or 4, and process the resulting Authorization
Responses.
Test cases 9-14 will test whether an acquirer Dual Message application that is
participating in the optional Mobile Remote Payments Program can send correctly
formatted Authorization Requests containing DE 22, Subfield 1 = 82 (PAN Auto
Entry via Server), DE 48, Subelement 48, Subfield 1 = 2 (Acquirer Domain),
Subfield 2, and applicable Subfields 3 and/or 4, and process the resulting
Authorization Responses.

NOTE: Acquirers must submit DE 48, SE 23 (Payment Initiation Channel) if acquired in

specific geographic areas.

Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile

Remote Payments Program—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE 1
1 0 01 1 1 ONLINE PIN 00 82 6 V MSI_001 00
Mobile-initiated purchase via issuer domain with online PIN validation
DE 48, SE 48, SF 1 = 1 (Issuer domain)

MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE NO 1
2 0 02 1 1 CVM 00 82 6 MSI_001 00
Mobile-initiated purchase via issuer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 242
 Dual Message Authorization
Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE 1
3 0 03 1 1 ONLINE PIN 00 82 6 V MSI_001 00
Mobile-initiated mobile phone top-up purchase via issuer domain with PIN
authentication
DE 48, SE 48, SF 1 = 1 (Issuer domain)

MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE NO 1
4 0 04 1 1 CVM 00 82 6 MSI_001 00
Mobile-initiated mobile phone top-up purchase via issuer domain with
Accountholder Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

MCS_00
SERVER 1
PAYMENT DMC_00
010 0400824000 TRANSACTION 1
5 0 05 1 1 ONLINE PIN 28 82 6 V MSI_001 00
Mobile-initiated payment transaction via issuer domain with PIN
authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

MCS_00
SERVER 1
PAYMENT DMC_00
010 0400824000 TRANSACTION 1
6 0 06 1 1 NO CVM 28 82 6 MSI_001 00
Mobile-initiated payment transaction via issuer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 243
 Dual Message Authorization
Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_08
SERVER 0
BALANCE DMC_00
010 0400824000 INQUIRY 1
7 0 07 1 1 ONLINE PIN 30 82 6 V MSI_001 00
Mobile-initiated balance inquiry via issuer domain with PIN authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

MCS_08
SERVER 0
BALANCE DMC_00
010 0400824000 INQUIRY NO 1
8 0 08 1 1 CVM 30 82 6 MSI_001 00
Mobile-initiated balance inquiry via issuer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE NO 1
9 0 09 1 1 CVM 00 82 6 MSI_001 00
Mobile-initiated purchase via acquirer domain with no online validation
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE NO 1
10 0 10 1 1 CVM 00 82 6 MSI_001 00
Mobile-initiated purchase via acquirer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE NO 1
11 0 11 1 1 CVM 00 82 6 MSI_001 00
Mobile-initiated mobile phone top-up purchase via acquirer domain.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 244
 Dual Message Authorization
Table 0400824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
SERVER DMC_00
010 0400824000 PURCHASE NO 1
12 0 12 1 1 CVM 00 82 6 MSI_001 00
Mobile-initiated mobile phone top-up purchase via acquirer domain with
Accountholder Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

MCS_00
SERVER 1
PAYMENT DMC_00
010 0400824000 TRANSACTION 1
13 0 13 1 1 NO CVM 28 82 6 MSI_001 00
Mobile-initiated payment transaction via acquirer domain.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

MCS_00
SERVER 1
PAYMENT DMC_00
010 0400824000 TRANSACTION 1
14 0 14 1 1 NO CVM 28 82 6 MSI_001 00
Mobile-initiated payment transaction via acquirer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 245
 Dual Message Authorization
Table 0400826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Authorization Requests

Table 0400826—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Payment Transactions—Authorization Requests
The following test cases will test whether a Receiving Institution (RI) Dual Message
authorization application that is participating in Merchant Presented QR can
process Authorization Requests and Responses for Merchant Presented QR
Payment Transaction with PANs or tokens.
The following is a listing of the most commonly used DE 18 (Merchant Code) MCC
values:

DE 18 (Merchant Code) MCC values

4111 5541 6300 8249 9222

4121 5542 8211 8299 9311
4131 5960 8220 8398 9399
4900 6051 8241 8661 9402
5411 6211 8244 9211 9405

RIs may test any or all of the above values as well as any other allowed MCC
values.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 246
 Dual Message Authorization
Table 0400826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Authorization Requests

Table 0400826—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION MCS_00
AND CVM OF 1
010 0400826000 CUSTOMER DMC_00
0 01 1 1 CHOICE 28 ** * * 1 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing non-token PAN
DE 2 (Primary Account Number) contains a PAN
DE 4 (Amount, Transaction) less than or = 2500 USD
1
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
DE 48, SE 32 (Mastercard Assigned ID) and DE 48, SE 37, SF 1 (Payment
Facilitator ID) and SF 3 (Sub-Merchant ID) are present if available and
required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 1
(Unique Transaction Reference) is optional; SE 03, SF 02 (Additional Message)
containing up to 65 characters is optional; SE 03, SF 03 (Funding Source) is
mandatory; SE 05, SF 01 (Digital Account Reference Number) is optional from
originating institution but if not present Mastercard will populate with value
from DE 108, SE 02, SF 11; and SE 06 (QR Data) is optional. All other DE 108
data fields on incoming message are either dropped or passed through.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 247
 Dual Message Authorization
Table 0400826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION MCS_00
AND CVM OF 1
010 0400826000 CUSTOMER DMC_00
0 02 1 1 CHOICE 28 ** * * 1 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing non-token PAN
DE 2 (Primary Account Number) contains a PAN
DE 4 (Amount, Transaction) less than or = 2500 USD
2 DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
DE 48, SE 32 (MasterCard Assigned ID) and DE 48, SE 37, SF 01 (Payment
Facilitator ID) and SF 03 (Sub-Merchant ID) are present if available and
required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 1
(Unique Transaction Reference) is optional; SE 03, SF 2 (Additional Message)
containing six zeros indicating QR tag 62 was absent is optional; SE 03, SF 03
(Funding Source) is mandatory; SE 05, SF 01 (Digital Account Reference
Number) is optional from originating institution but if not present Mastercard
will populate with value from DE 108, SE 02, SF 11; and SE 06 (QR Data) is
optional. All other DE 108 data fields on incoming message are either dropped
or passed through.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 248
 Dual Message Authorization
Table 0400826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION MCS_13
AND CVM OF 0
010 0400826000 CUSTOMER DMC_13
0 03 1 1 CHOICE 28 ** * * 0 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing token PAN
DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000015833 to obtain appropriate data in
response message from simulator
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
3
DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required
DE 48, SE 32 (Mastercard Assigned ID) and DE 48, SE 37, SF 01 (Payment
Facilitator ID) and SF 03 (Sub-Merchant ID) are present if available and
required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 01
(Unique Transaction Reference) is optional; SE 03, SF 2 (Additional Message)
containing up to 65 characters is optional; SE 03, SF 03 (Funding Source) is
mandatory; SE 05, SF 01 (Digital Account Reference Number) is optional from
originating institution but if not present Mastercard will populate with value
from DE 108, SE 02, SF 11; and SE 06 (QR Data) is optional. All other DE 108
data fields on incoming message are either dropped or passed through.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology); and DE 56 (Payment Account Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 249
 Dual Message Authorization
Table 0400826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION MCS_13
AND CVM OF 0
010 0400826000 CUSTOMER DMC_13
0 04 1 1 CHOICE 28 ** * * 0 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing token PAN
DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000015833 to obtain appropriate data in
response message from simulator
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
4 DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required
DE 48, SE 32 (Mastercard Assigned ID) and DE 48, SE 37, SF 01 (Payment
Facilitator ID) and SF 03 (Sub-Merchant ID) are present if available and
required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 1
(Unique Transaction Reference) is optional; SE 03, SF 2 (Additional Message)
containing six zeros indicating QR tag 62 was absent is optional; SE 03, SF 03
(Funding Source) is mandatory; SE 05, SF 01 (Digital Account Reference
Number) is optional from originating institution but if not present Mastercard
will populate with value from DE 108, SE 02, SF 11; and SE 06 (QR Data) is
optional. All other DE 108 data fields on incoming message are either dropped
or passed through.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology); and DE 56 (Payment Account Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 250
 Dual Message Authorization
Table 0400827—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Refund Payment Transactions—Authorization Requests

Table 0400827—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Refund Payment Transactions—Authorization Requests
The following test cases will test whether a Receiving Institution (RI) Dual Message
authorization application that is participating in Merchant Presented QR can
process Authorization Requests and Responses for Merchant Presented QR Refund
Payment Transaction with PANs or tokens.
The following is a listing of the most commonly used DE 18 (Merchant Code) MCC
values:

DE 18 (Merchant Code) MCC values

4111 5541 6300 8249 9222

4121 5542 8211 8299 9311
4131 5960 8220 8398 9399
4900 6051 8241 8661 9402
5411 6211 8244 9211 9405

RIs may test any or all of the above values as well as any other allowed MCC
values.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 251
 Dual Message Authorization
Table 0400827—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Refund Payment Transactions—Authorization Requests

Table 0400827—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Refund Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
REFUND
PAYMENT
TRANSACTION MCS_00
AND CVM OF 1
010 0400827000 CUSTOMER DMC_00
0 01 1 1 CHOICE 28 ** * * 1 00
Merchant Presented QR service refund payment transaction for a consumer's
PAN was successfully processed
1
DE 2 contains a valid Mastercard card number
DE 4 (Amount, Transaction) less than or = 2500 USD
DE 48, SE 77 = C68 (Merchant Presented QR Refund) and DE 18 (Merchant
Code) must not contain any prohibited value
DE 48, SE 32 (MasterCard Assigned ID) and DE 48, SE 37, SF 01 (Payment
Facilitator ID) and SF 03 (Sub-Merchant ID) are present if available and
required
DE 108, SE 02, SF 11 (Sender Account Number); SE 03, SF 1 (Unique
Reference Number); SE 03, SF 03 (Funding Source); and SE 05, SF 01 (Digital
Account Reference Number) are optional. All other DE 108 data fields on
incoming message are dropped.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 252
 Dual Message Authorization
Table 0400827—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Refund Payment Transactions—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
REFUND
PAYMENT
TRANSACTION MCS_13
AND CVM OF 0
010 0400827000 CUSTOMER DMC_13
0 02 1 1 CHOICE 28 ** * * 0 00
Merchant Presented QR service refund payment transaction for a consumer's
token was successfully processed
DE 2 contains Digital Account Reference Number from DE 108, SE 05, SF 01
of Merchant Presented QR Payment Transaction
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
2
response message from simulator
DE 48, SE 77 = C68 (Merchant Presented QR Refund) and DE 18 (Merchant
Code) must not contain any prohibited value
DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
DE 48, SE 32 (MasterCard Assigned ID) and DE 48, SE 37, SF 01 (Payment
Facilitator ID) and SF 03 (Sub-Merchant ID) are present
DE 108, SE 02, SF 11 (Sender Account Number); SE 03, SF 1 (Unique
Reference Number); SE 03, SF 03 (Funding Source); and SE 05, SF 01 (Digital
Account Reference Number) are optional. All other DE 108 data fields on
incoming message are dropped.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology); and DE 56 (Payment Account Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 253
 Dual Message Authorization
Table 0400829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay—
Authorization Requests

Table 0400829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay

—Authorization Requests
The following test cases will test whether an acquirer Dual Message online
application is able to send properly formatted Authorization Requests for Click to
Pay e-commerce transactions; and process the resulting Authorization Responses.

Table 0400829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay

—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400829000 PURCHASE NO 1
0 01 1 1 CVM 00 81 6 MSI_001 00
1
Click to Pay transaction does not go thru 3DS protocol; merchant does not
participate in Identity Check.
DE 48, SE 42 = 220; DE 48, SE 43 is not present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400829000 PURCHASE NO 1
0 02 1 1 CVM 00 81 6 MSI_001 00

2 Click to Pay transaction goes thru 3DS protocol but authentication cannot
occur because 1) Issuer does not participate, 2) Issuer's CH does not
participate, or 3) Issuer service was unavailable. SE 43 contains an Attempts
AAV.
DE 48, SE 42 = 221; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400829000 PURCHASE NO 1
0 03 1 1 CVM 00 81 6 MSI_001 00
3
Click to Pay transaction goes thru 3DS protocol and gets authenticated by the
Issuer's ACS Provider. SE 43 contains a Fully Authenticated AAV.
DE 48, SE 42 = 222; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

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 Dual Message Authorization
Table 0400829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay—
Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400829000 PURCHASE NO 1
0 04 1 1 CVM 00 81 6 MSI_001 00
4 Click to Pay transaction is supported by the merchant and assigned a Static
AAV value within SE 43.
DE 48, SE 42 = 223; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required; and DE 48, SE 32 Mastercard
Assigned ID is present.

MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400829000 PURCHASE NO 1
0 05 1 1 CVM 00 81 6 MSI_001 00
5 Click to Pay transaction does goes thru 3DS protocol; authenticated
transaction using Issuer's Risk Based Decisioning. SE 43 contains Fully
Authenticated AAV from Issuer's ACS Provider.
DE 48, SE 42 = 225; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

MCS_00
ELECTRONIC 1
COMMERCE DMC_00
010 0400829000 PURCHASE NO 1
0 06 1 1 CVM 00 81 6 MSI_001 00
6 Click to Pay transaction does not go thru 3DS protocol; merchant does not
participate in Identity Check but has their own Risk Based Decisioning
enabled.
DE 48, SE 42 = 226; DE 48, SE 43 is not present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 255
 Dual Message Authorization
Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Authorization Requests

Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Tokens in DSRP, Identity Check, and Click to Pay—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can submit properly formatted MDES token transactions
for Digital Secure Remote Payment (DSRP), Identity Check, and Click to Pay in
Authorization Requests and process the resulting Authorization Responses.

Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Tokens in DSRP, Identity Check, and Click to Pay—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400833000 PURCHASE NO 0
0 01 1 N/A CVM 00 81 6 MSI_130 00
MDES tokenized transaction with DSRP cryptogram for SLI 246.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.

1 DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based Decisioning)

and DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DE 48, SE 92 (CVC 2) optionally present
DSRP cryptogram must be provided in DE 104, SE 001 (Digital Payment
Cryptogram) and, if applicable, SE 003 (Remote Commerce Acceptor
Identifier).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = M (Valid CVC 2) if SE 92 (CVC 2) is present in 0100
0110: DE 56 (Payment Account Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 256
 Dual Message Authorization
Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400833000 PURCHASE NO 0
0 02 1 N/A CVM 00 81 6 MSI_130 00
MDES tokenized transaction with DSRP cryptogram for SLI 242.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.

2 DE 48, SE 42 = 242 (Tokenized Payment: Fully Authenticated) and DE 61, SF 3

= 2 (Off premises) or 4 (On premises).
DE 48, SE 92 (CVC 2) optionally present
DSRP cryptogram must be provided in DE 104, SE 001 (Digital Payment
Cryptogram) and, if applicable, SE 003 (Remote Commerce Acceptor
Identifier).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = M (Valid CVC 2) if SE 92 (CVC 2) is present in 0100
0110: DE 56 (Payment Account Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 257
 Dual Message Authorization
Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400833000 PURCHASE NO 0
0 03 1 N/A CVM 00 10 0 MSI_130 00
MDES tokenized transaction for DSRP with UCAF (retains liability of original
transaction) subsequent recurring payment transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
3
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment); DE 48, SE 43 not required; DE 61, SF 3 = 2 (Off premises), and DE
61, SF 4 = 4 (Recurring payments).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data).

MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400833000 PURCHASE NO 0
0 04 1 N/A CVM 00 10 6 MSI_130 00
MDES tokenized transaction for DSRP with UCAF (retains liability of original
transaction) subsequent partial shipment transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
4
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment); DE 48, SE 43 not required; DE 61, SF 3 = 2 (Off premises) and SF 4
= 5 (Electronic order).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 258
 Dual Message Authorization
Table 0400833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400833000 PURCHASE NO 0
0 05 1 N/A CVM 00 81 6 MSI_130 00
MDES tokenized transaction with DSRP cryptogram and Identity Check AAV
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
5 ID) present if available and required.
DE 48, SE 42 = 212 (Identity Check - Fully Authenticated) and DE 61, SF 3 = 2
(Off premises).
DE 104, SE 001 (Digital Payment Cryptogram) contains DSRP cryptogram
and, if applicable, SE 003 (Remote Commerce Acceptor Identifier)
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data).

MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400833000 PURCHASE NO 0
0 06 1 N/A CVM 00 81 6 MSI_130 00
Click to Pay with UCAF (issuer liability) MDES device token original
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
6
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 222 (Click to Pay - Fully Authenticated); DE 48, SE 43 contains
AAV cryptogram; and DE 61, SF 3 = 2 (Off premises).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 259
 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES

(Merchant Tokenization Program)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can properly submit Merchant Tokenization Program
Digital Secure Remote Payment (DSRP) cloud-based payments token transactions
in Authorization Requests and process the resulting Authorization Responses
containing PAN data in DE 48, SE 33 and Payment Account Reference (PAR) in DE
56.

Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES

(Merchant Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 01 1 N/A CVM 00 10 0 MSI_130 00
DSRP with UCAF (merchant liability) MDES token transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
1 DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based Decisioning)
and no SE 43 (UCAF).
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram must be provided in DE 104, SE 001 (Digital Payment
Cryptogram).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 260
 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 02 1 N/A CVM 00 10 0 MSI_130 00
DSRP with UCAF (retains liability MDES token subsequent recurring payment
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
2 DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and no SE 43 (UCAF)
DE 61, SF 3 = 3 (No terminal used) and DE 61, SF 4 = 4 (Recurring Payments).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 03 1 N/A CVM 00 10 6 MSI_130 00
DSRP with UCAF (retains liability of original transaction) MDES token partial
shipment transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
3 DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and no DE 48, SE 43 (UCAF)
DE 61, SF 3 = 2 (Off premises), and DE 61, SF 4 = 5 (Electronic Commerce).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 261
 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 04 1 N/A CVM 00 10 0 MSI_130 00
DSRP with UCAF (merchant liability) MDES token transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
4 DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based Decisioning)
and no SE 43 (UCAF).
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram provided in DE 104, SE 001 (Digital Payment Cryptogram)
and optional SE 003 (Remote Commerce Acceptor Identifier).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 262
 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 05 1 N/A CVM 00 10 6 MSI_130 00
DSRP with UCAF containing SPA1 AAV (issuer liability) MDES token
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
5
DE 48, SE 42 = 212 (Identity Check: Fully authenticated AAV); SE 43 (UCAF)
with AAV control byte 'j'; and SE 66, SF 01 = 1 (3DS 1.0)
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram provided in DE 104, SE 001 (Digital Payment Cryptogram).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 263
 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 06 1 N/A CVM 00 10 6 MSI_130 00
DSRP with UCAF containing SPA2 AAV (issuer liability) MDES token
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
6 DE 48, SE 42 = 212 (Identity Check: Fully authenticated AAV); SE 43 (UCAF)
with applicable AAV control byte value; SE 66, SF 01 = 2 (3DS 2.0) and SF 02
(Directory Server Transaction ID)
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram provided in DE 104, SE 001 (Digital Payment Cryptogram)
and, when applicable, SE 003 (Remote Commerce Acceptor Identifier).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 264
 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 07 1 N/A CVM 00 10 6 MSI_130 00
DSRP with UCAF containing SPA2 AAV (merchant liability) MDES token
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
7 DE 48, SE 42 = 216 (Identity Check: Merchant Risk Based Authentication); SE
43 (UCAF) with applicable AAV control byte value 'kN'; and SE 66, SF 01 = 2
(3DS 2.0) and SF 02 (Directory Server Transaction ID)
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram provided in DE 104, SE 001 (Digital Payment Cryptogram)
and, when applicable, SE 003 (Remote Commerce Acceptor Identifier).
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 265
 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 08 1 N/A CVM 00 10 6 MSI_130 00
DSRP with UCAF containing SPA2 AAV (issuer liability) MDES token recurring
payment/split shipment transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
8
DE 48, SE 42 = 217 (Identity Check: Authenticated - Frictionless); SE 43
(UCAF) with applicable AAV control byte value 'kO'; SE 66, SF 01 = 2 (3DS
2.0) and SF 02 (Directory Server Transaction ID)
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram not required.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

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 Dual Message Authorization
Table 0400835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400835000 PURCHASE NO 0
0 09 1 N/A CVM 00 10 6 MSI_130 00
DSRP with UCAF containing SPA2 AAV (issuer liability) MDES token first
recurring payment in a series transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
9
DE 48, SE 42 = 217 (Identity Check: Authenticated - Challenge); SE 43 (UCAF)
with applicable AAV control byte value 'kP'; and SE 66, SF 01 = 2 (3DS 2.0)
and SF 02 (Directory Server Transaction ID)
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram not required.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 267
 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Token Transactions Without UCAF Cryptogram—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send electronic commerce transactions in correctly
formatted Authorization Requests containing MDES device token without
cryptographic data, and process the resulting Authorization Responses containing
PAN mapping data.
Test cases 1-5 are for Identity Check security level indicator (SLI) values, test cases
6-10 are for Click to Pay SLI values, and test cases 11-12 are for Digital Secure
Remote Payment SLI values.

Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Token Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400836000 PURCHASE NO 0
0 01 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) and DE
48, SF 92 (CVC 2) from Identity Check merchant who has chosen not to
undertake Identity Check on this transaction.
DE 4 = 000000035633 to obtain appropriate data in response message from
1 simulator.
DE 14 present and DE 48, SF 92 present.
DE 48, SE 26, SF 1 (Wallet Identifier)vand DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
DE 48, SE 42 = 210 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400836000 PURCHASE NO 0
0 02 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) from
Identity Check merchant who has chosen not to undertake Identity Check on
this transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
2 simulator.
DE 14 is present and DE 48, SF 92 not present.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 210 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) present.

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400836000 PURCHASE NO 0
0 03 1 N/A CVM 00 10 0 MSI_130 00
MDES token electronic commerce subsequent recurring payment or partial
shipment transaction including the merchant provided DE 14 (Date,
Expiration) and DE 48, SF 92 (CVC 2) from the original transaction from a
Identity Check merchant who chose not to undertake Identity Check on the
original transaction. Acquirer may submit as recurring payment or partial
shipment transaction, or may submit separate transactions for both
scenarios.
3 DE 4 = 000000035633 to obtain appropriate data in response message from
simulator.
DE 14 present and DE 48, SF 92 present.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 217 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC MCS_13
COMMERCE 0
PURCHASE OR DMC_13
010 0400836000 REFUND NO 0
0 04 1 N/A CVM ** 81 6 MSI_130 00
MDES token electronic commerce subsequent incremental authorization or
refund transaction including the merchant provided DE 14 (Date, Expiration)
from the original transaction from a Identity Check merchant who chose not
to undertake Identity Check on the original transaction. Acquirer may submit
as incremental authorization or refund transaction or may submit separate
transactions for both scenarios.
4 DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 14 present and DE 48, SF 92 not present.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 210 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) present.

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC MCS_13
COMMERCE 0
PAYMENT DMC_13
010 0400836000 TRANSACTION 0
0 05 1 N/A NO CVM 28 81 6 MSI_130 00
MDES token Payment Transaction without Identity Check cryptographic data.
DE 2 and DE 14 contain token data
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required
5
DE 48, SE 42 = 210 (UCAF data collection is not supported by the merchant or
a Identity Check merchant has chosen not to undertake Identity Check on this
transaction) and DE 48, SE 43 not present
DE 48tcc = P (Payment) and SE 77 contains Transaction Type Identifier of
customer choice
Request message contains any other applicable mandatory/optional data and
proper values
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data)

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400836000 PURCHASE NO 0
0 06 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) and DE
48, SF 92 (CVC 2) from Click to Pay merchant who does not support DSRP
with full UCAF.
DE 4 = 000000035633 to obtain appropriate data in response message from
6 simulator.
DE 14 present and DE 48, SF 92 present.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 220 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), 0100: DE SF 6 (Token Requestor
ID) if applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400836000 PURCHASE NO 0
0 07 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) from
Click to Pay merchant who does not support DSRP with full UCAF.
DE 4 = 000000005633 to obtain appropriate data in response message from
7 simulator.
DE 14 present and DE 48, SF 92 not present.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 220 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) present.

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400836000 PURCHASE NO 0
0 08 1 N/A CVM 00 10 0 MSI_130 00
MDES token electronic commerce subsequent recurring payment or partial
shipment transaction including the merchant provided DE 14 (Date,
Expiration) and DE 48, SF 92 (CVC 2) from the original transaction from a
Click to Pay merchant who does not support DSRP with full UCAF. Acquirer
may submit as recurring payment or partial shipment transaction, or may
submit separate transactions for both scenarios.

8 DE 4 = 000000035633 to obtain appropriate data in response message from

simulator.
DE 14 present and DE 48, SF 92 present.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 227 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC MCS_13
COMMERCE 0
PURCHASE OR DMC_13
010 0400836000 REFUND NO 0
0 09 1 N/A CVM ** 81 6 MSI_130 00
MDES token electronic commerce subsequent incremental authorization or
refund transaction including the merchant provided DE 14 (Date, Expiration)
from the original transaction from a Click to Pay merchant who does not
support DSRP with full UCAF. Acquirer may submit as incremental
authorization or refund transaction or may submit separate transactions for
both scenarios.
9 DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 14 present and DE 48, SF 92 not present.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 220 and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) present.

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC MCS_13
COMMERCE 0
PAYMENT DMC_13
010 0400836000 TRANSACTION 0
0 10 1 N/A NO CVM 28 81 6 MSI_130 00
MDES token Payment Transaction without Click to Pay cryptographic data.
DE 2 and DE 14 contain token data
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
10 ID) present if available and required
DE 48, SE 42 = 220 and DE 48, SE 43 not present
DE 48tcc = P (Payment) and SE 77 contains Transaction Type Identifier of
customer choice
Request message contains any other applicable mandatory/optional data and
proper values
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data)

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 Dual Message Authorization
Table 0400836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400836000 PURCHASE NO 0
0 11 1 N/A CVM 00 10 0 MSI_130 00
MDES token electronic commerce subsequent recurring payment or partial
shipment transaction from a Digital Secure Remote Payment merchant.
Acquirer may submit as recurring payment or partial shipment transaction, or
may submit separate transactions for both scenarios.
DE 4 = 000000005633 to obtain appropriate data in response message from
11
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
ID) present if available and required.
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and SE 43 not present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) present.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 277
 Dual Message Authorization
Table 0400838—Acquirer Credit and Debit—MSR Product and Services—MDES Static Token—
Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC MCS_13
COMMERCE 0
PAYMENT DMC_13
010 0400836000 TRANSACTION 0
0 12 1 N/A NO CVM 28 81 6 MSI_130 00
MDES token Payment Transaction without DSRP cryptographic data.
DE 2 and DE 14 contain token data
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token Requestor
12 ID) present if available and required
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and DE 48, SE 43 not present
DE 48tcc = P (Payment) and SE 77 contains Payment Transaction Type
Identifier of customer choice
Request message contains any other applicable mandatory/optional data and
proper values
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data)

Table 0400838—Acquirer Credit and Debit—MSR Product and Services—MDES

Static Token—Authorization Requests
The following test case will test whether an acquirer's Dual Message authorization
application can submit MDES static token in correctly formatted remote
commerce Authorization transactions and receive resulting Authorization
responses.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 278
 Dual Message Authorization
Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)— Authorization Requests

Table 0400838—Acquirer Credit and Debit—MSR Product and Services—MDES

Static Token—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
ELECTRONIC 0
COMMERCE DMC_13
010 0400838000 PURCHASE NO 0
0 01 1 0 CVM 00 81 6 MSI_130 00
MDES static token in remote commerce transactions
DE 4 = 000000035633 to obtain appropriate data in response message from
simulator
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet Identifier) present if
available and required
1
DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 210 (UCAF not supported)
DE 48, SE 92 (CVC 2) optionally present
DE 61, SF 3 = 2 (Off premises) or 4 (On premises)
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = M (Valid CVC 2) if SE 92 (CVC 2) was present in request
0110: DE 56 (Payment Account Data)

Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES

(Remote Commerce Transactions)— Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can submit MDES remote commerce transactions in
correctly formatted Authorization Request messages and process the resulting
Authorization Responses.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 279
 Dual Message Authorization
Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)— Authorization Requests

Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES

(Remote Commerce Transactions)— Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS MCS_13
TRANSACTION 0
OF CUSTOMER DMC_13
010 0400839000 CHOICE NO 0
0 01 1 N/A CVM 00 ** 6 MSI_130 00
MDES performs PAN Mapping on MDES remote commerce original token
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 22, SF 1 (POS Terminal PAN Entry Mode) = 10 (Credential on File), 81
(Electronic Commerce), or 82 (Server) values of customer choice
1 DE 48, SE 23, SF 1 (Device Type); SE 26 (Wallet Identifier) = 327 (Merchant
Tokenization Program); and SE 32 (Mastercard Assigned ID) values of
customer choice if applicable
DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based Decisioning)
and no SE 43 (UCAF)
DE 61, SF 3 = 2 (Off premises) or 4 (On premises)
DE 104, SE 001 (Digital Payment Cryptogram) is required
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 280
 Dual Message Authorization
Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)— Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_13
CREDENTIAL 0
ON FILE DMC_13
010 0400839000 PURCHASE NO 0
0 02 1 N/A CVM 00 10 6 MSI_130 00
MDES performs PAN Mapping on MDES remote commerce subsequent
recurring payment token transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 22, SF 1 (POS Terminal PAN Entry Mode) = 10 (Credential on File)
DE 48, SE 23, SF 1 (Device Type); SE 26 (Wallet Identifier) = 327 (Merchant
2 Tokenization Program); and SE 32 (Mastercard Assigned ID) values of
customer choice if applicable
DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 247 (Tokenized Payment: Recurring payment) and no SE 43
(UCAF)
DE 61, SF 3 = 3 (No terminal used) and SF 4 = 4 (Recurring Payments)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 281
 Dual Message Authorization
Table 0400839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)— Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS MCS_13
TRANSACTION 0
OF CUSTOMER DMC_13
010 0400839000 CHOICE NO 0
0 03 1 N/A CVM 00 ** 6 MSI_130 00
MDES performs PAN Mapping on MDES remote commerce subsequent
partial shipment token transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 22, SF 1 (POS Terminal PAN Entry Mode) = 10 (Credential on File), 81
(Electronic Commerce), or 82 (Server) values of customer choice
3
DE 48, SE 23, SF 1 (Device Type); SE 26 (Wallet Identifier) = 327 (Merchant
Tokenization Program); and SE 32 (Mastercard Assigned ID) values of
customer choice if applicable
DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment) and no SE 43
(UCAF)
DE 61, SF 3 = 2 (Off premises) and SF 4 = 5 (Electronic Commerce)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 282
 Dual Message Authorization
Table 0400847—Acquirer Credit and Debit—MSR Product and Services—3DS Non-Mastercard
Cards—Authorization Requests

Table 0400847—Acquirer Credit and Debit—MSR Product and Services—3DS Non-

Mastercard Cards—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
containing 3-D Secure authentication information for non-Mastercard cards and
process the resulting Authorization Responses containing any applicable
authentication result.

Table 0400847—Acquirer Credit and Debit—MSR Product and Services—3DS Non-

Mastercard Cards—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC AMX_210
COMMERCE DCC_210
010 0400847000 PURCHASE NO JCB_210
0 01 1 0 CVM 00 81 6 VIS_210 00
1
Online transaction from merchant not participating in 3-D Secure
authentication.
DE 48, SE 42 value = 210 (UCAF data collection not supported by merchant)

ELECTRONIC AMX_211
COMMERCE DCC_211
010 0400847000 PURCHASE NO JCB_211
0 02 1 0 CVM 00 81 6 VIS_211 00
Online transaction from merchant participating in 3-D Secure authentication
2 and attempting authentication.
DE 48, SE 42 value = 211 (UCAF data collection is supported by merchant)
DE 48, SE 43 and/or SE 44 may be present
0110: DE 48, SE 45 contains result code

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 283
 Dual Message Authorization
Table 0400847—Acquirer Credit and Debit—MSR Product and Services—3DS Non-Mastercard
Cards—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC AMX_212
COMMERCE DCC_212
010 0400847000 PURCHASE NO JCB_212
0 03 1 0 CVM 00 81 6 VIS_212 00
Online transaction from merchant participating in 3-D Secure authentication
3 and completing authentication.
DE 48, SE 42 value = 212 (UCAF data collection is supported by merchant and
is present)
DE 48, SE 43 and SE 44 are present
0110: DE 48, SE 45 contains result code

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 Dual Message Authorization
Table 0400860—Acquirer Credit and Debit—MSR Product and Services—Mastercard Identity
Check—Authorization Requests

Table 0400860—Acquirer Credit and Debit—MSR Product and Services—Mastercard

Identity Check—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
that contain Identity Check authentication data and process the resulting
Authorization Responses.

NOTE: Acquirers must submit DE 48, SE 66 (Authentication Data) for Mastercard Identity
Check transactions with SE 42 (Security Level Indicator) values of 211, 212, or 215.

Table 0400860—Acquirer Credit and Debit—MSR Product and Services—Mastercard

Identity Check—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
DMC_00
ELECTRONIC 1
1 COMMERCE MSI_001
010 0400860001 PURCHASE NO PVC_101
0 01 1 1 CVM 00 81 6 PVL_101 00
SPA1 unauthenticated DE 48, SE 42 = 210 (No UCAF) and SE 43 not present

MCS_00
1
DMC_00
ELECTRONIC 1
COMMERCE MSI_001
2
010 0400860001 PURCHASE NO PVC_101
0 02 1 1 CVM 00 81 6 PVL_101 00
SPA1 merchant attempts processing DE 48, SE 42 = 211 (Merchant attempts
AAV); SE 43 with AAV control byte 'h'; and SE 66, SF 01 = 1 (3DS 1.0)

MCS_00
1
DMC_00
ELECTRONIC 1
COMMERCE MSI_001
3
010 0400860001 PURCHASE NO PVC_101
0 03 1 1 CVM 00 81 6 PVL_101 00
SPA1 issuer authenticated DE 48, SE 42 = 212 (Fully authenticated AAV); SE
43 with AAV control byte 'j'; and SE 66, SF 01 = 1 (3DS 1.0)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 285
 Dual Message Authorization
Table 0400860—Acquirer Credit and Debit—MSR Product and Services—Mastercard Identity
Check—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
DMC_00
ELECTRONIC 1
COMMERCE MSI_001
4 010 0400860001 PURCHASE NO PVC_101
0 11 1 1 CVM 00 81 6 PVL_101 00
SPA2 merchant attempts processing DE 48, SE 42 = 211 (Merchant attempts
AAV); SE 43 with AAV control bytes 'kE', 'kL', or 'kM' of customer choice; and
SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

MCS_00
1
DMC_00
ELECTRONIC 1
COMMERCE MSI_001
010 0400860001 PURCHASE NO PVC_101
5
0 12 1 1 CVM 00 81 6 PVL_101 00
SPA2 issuer authenticated DE 48, SE 42 = 212; SE 43 with AAV control bytes
'kA', 'kB', 'kC', 'kD', 'kG', 'kH', 'kJ', 'kK' 'kQ', 'kR', 'kS', or 'kT' of customer
choice; and SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server
Transaction ID)

MCS_00
1
DMC_00
ELECTRONIC 1
COMMERCE MSI_001
6 010 0400860001 PURCHASE NO PVC_101
0 13 1 1 CVM 00 81 6 PVL_101 00
SPA2 wherein merchant has chosen to share data within the authentication;
DE 48, SE 42 = 214 (No UCAF) and SE 43 not present
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

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 Dual Message Authorization
Table 0400860—Acquirer Credit and Debit—MSR Product and Services—Mastercard Identity
Check—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
1
DMC_00
ELECTRONIC 1
COMMERCE MSI_001
7 010 0400860001 PURCHASE NO PVC_101
0 15 1 1 CVM 00 81 6 PVL_101 00
SPA2 merchant risk based decisioning DE 48, SE 42 = 216 and SE 43 with AAV
control byte 'kN'
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

MCS_00
1
DMC_00
ELECTRONIC 1
COMMERCE MSI_001
8 010 0400860001 PURCHASE NO PVC_101
0 16 1 1 CVM 00 81 6 PVL_101 00
SPA2 partial shipment DE 48, SE 42 = 217 and SE 43 with AAV control byte
'kO' or 'kP' of customer choice
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

MCS_00
1
DMC_00
CREDENTIAL 1
ON FILE MSI_001
9 010 0400860001 PURCHASE NO PVC_101
0 17 1 1 CVM 00 10 0 PVL_101 00
SPA2 recurring payment DE 48, SE 42 = 217 and SE 43 with AAV control byte
'kO' or 'kP' of customer choice
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

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 Dual Message Authorization
Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By Account—
Authorization Requests and Reversals

Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By

Account—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application that is participating in the Mastercard Pay by Account
program can submit tokenized transactions in Authorization messages, receive
applicable data in Authorization responses, and perform the appropriate
subsequent processing clearing and/or settlement.

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 Dual Message Authorization
Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By Account—
Authorization Requests and Reversals

Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By

Account—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
010 0400890000 PURCHASE NO
0 01 1 0 CVM 00 81 6 ACS_550 00
Online/in-app purchase tokenized transaction for Real-Time Payments
Settlement Model was approved
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000016256 to obtain appropriate data in
response message
DE 14 (Date, Expiration) present
DE 48, SE 26, SF 1 (Wallet ID) present when received from merchant
DE 48, SE 42, SF 1 (Electronic Commerce Security Level Indicator and UCAF
Collection Indicator) = 210 (UCAF not supported)
1 DE 48, SE 61, SF 5 = 1 (Final Authorization)
DE 48, SE 92 (CVC 2) present
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = N (Acquiring Institution account used for settlement via a
real-time payment network), SF 2 (Type of Transaction) = D (Intracountry/
Domestic real-time payment settlement transaction), SF 3 (Real-Time
Payment Rules) = PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment
Settlement Network ID and Name) = 01 (On-us Payment), SF 5 (Real-Time
Payment Funds Transfer Position) = 01 (Funds transferred to Acquiring
Institution or merchant), and SF 6 (DSS Reference Number) not present
0110: DE 48, SE 87 (Card Validation Code Result) = M (Valid CVC 2 [match])
0110: DE 56 (Payment Account Data)

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 Dual Message Authorization
Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
010 0400890000 PURCHASE NO
0 02 1 0 CVM 00 81 6 ACS_550 00
040
0 1 0 DE 39 = 17 00
Online/in-app purchase tokenized transaction for Real-Time Payments
Settlement Model was approved and followed by full reversal
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000026256 to obtain appropriate data in
response message
DE 14 (Date, Expiration) present
DE 48, SE 26, SF 1 (Wallet ID) present when received from merchant
DE 48, SE 42, SF 1 (Electronic Commerce Security Level Indicator and UCAF
Collection Indicator) = 210 (UCAF not supported)
DE 48, SE 61, SF 5 = 1 (Final Authorization)
2 DE 48, SE 92 (CVC 2) present
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = N (Acquiring Institution account used for settlement via a
real-time payment network), SF 2 (Type of Transaction) = D (Intracountry/
Domestic real-time payment settlement transaction), SF 3 (Real-Time
Payment Rules) = PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment
Settlement Network ID and Name) = 06 (Real-time Payment), SF 5 (Real-Time
Payment Funds Transfer Position) = 01 (Funds transferred to Acquiring
Institution or merchant), and SF 6 (DSS Reference Number) is present
0110: DE 48, SE 87 (Card Validation Code Result) = M (Valid CVC 2 [match])
0110: DE 56 (Payment Account Data)
0400: Full reversal DE 39 (Response Code) = 17 (Customer Cancellation)

NOTE: Receive debit via GCMS Fee Collection/1740 message for authorization
reversal messages.

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 Dual Message Authorization
Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
010 0400890000 PURCHASE NO
0 03 1 0 CVM 00 81 6 ACS_550 00
Online/in-app purchase tokenized transaction for Real-Time Payments
Settlement Model was approved and followed by a refund
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000036256 to obtain appropriate data in
response message
DE 14 (Date, Expiration) present
DE 48, SE 26, SF 1 (Wallet ID) present when received from merchant
DE 48, SE 42, SF 1 (Electronic Commerce Security Level Indicator and UCAF
Collection Indicator) = 210 (UCAF not supported)
3 DE 48, SE 61, SF 5 = 1 (Final Authorization)
DE 48, SE 92 (CVC 2) present
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = Y (Merchant account used for settlement via a real-time
payment network), SF 2 (Type of Transaction) = D (Intracountry/Domestic
real-time payment settlement transaction), SF 3 (Real-Time Payment Rules) =
PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment Settlement
Network ID and Name) = 06 (Real-time Payment), SF 5 (Real-Time Payment
Funds Transfer Position) = 01 (Funds transferred to Acquiring Institution or
merchant), and SF 6 (DSS Reference Number) is present
0110: DE 48, SE 87 (Card Validation Code Result) = M (Valid CVC 2 [match])
0110: DE 56 (Payment Account Data)

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 Dual Message Authorization
Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
010 0400890000 REFUND NO
0 04 1 0 CVM 20 81 6 ACS_550 00
Online/in-app refund tokenized transaction for Real-Time Payments
Settlement Model was approved
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
response message
DE 14 (Date, Expiration) present
4
DE 48, SE 26, SF 1 (Wallet ID) present when received from merchant
DE 48, SE 42, SF 1 (Electronic Commerce Security Level Indicator and UCAF
Collection Indicator) = 210 (UCAF not supported)
DE 48, SE 61, SF 5 = 1 (Final Authorization) and SE 63 (Trace ID) are present
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information) not present for refund
transaction
0110: DE 56 (Payment Account Data)

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 Dual Message Authorization
Table 0400890—Acquirer Credit and Debit—MSR Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
010 0400890000 PURCHASE NO
0 05 1 0 CVM 00 81 6 ACS_550 05
Online/in-app purchase tokenized transaction for Real-Time Payments
Settlement Model was declined
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000045633 to obtain appropriate data in
response message
DE 14 (Date, Expiration) present
DE 48, SE 26, SF 1 (Wallet ID) present when received from merchant
5
DE 48, SE 42, SF 1 (Electronic Commerce Security Level Indicator and UCAF
Collection Indicator) = 210 (UCAF not supported)
DE 48, SE 61, SF 5 = 1 (Final Authorization)
DE 48, SE 92 (CVC 2) present
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information) not present for declined
transaction
0110: DE 48, SE 87 (Card Validation Code Result) = M (Valid CVC 2 [match])
0110: DE 56 (Payment Account Data)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 293
 Dual Message Authorization
Table 0400901—Acquirer Credit and Debit—MSR Product and Services—Merchant Fraud Scoring
(Brazil)—Authorization Requests

Table 0400901—Acquirer Credit and Debit—MSR Product and Services—Merchant

Fraud Scoring (Brazil)—Authorization Requests
The following test case will test whether an acquirer Dual Message online
application is able to send properly formatted Authorization Requests containing
the merchant fraud score in DE 112, subelement 028 for card-not-present
transactions acquired in the country of Brazil; and process the resulting
Authorization Responses.

Table 0400901—Acquirer Credit and Debit—MSR Product and Services—Merchant

Fraud Scoring (Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
010 0400901000 PURCHASE NO MCS_00
1 0 01 1 1 CVM 00 81 6 1 00
Brazil acquirer provides merchant fraud score in DE 112, SE 028 containing 4
positions.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 294
 Dual Message Authorization
Table 0400902—Acquirer Credit and Debit—MSR Product and Services—Combo Card (Brazil)—
Authorization Requests

Table 0400902—Acquirer Credit and Debit—MSR Product and Services—Combo

Card (Brazil)—Authorization Requests
The following test case will test whether an acquirer Dual Message authorization
application can send properly formatted Authorization Requests indicating
identification of combo card issued by issuer in Brazil as a credit or debit
transaction and process the resulting Authorization Responses.

Table 0400902—Acquirer Credit and Debit—MSR Product and Services—Combo

Card (Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
PURCHASE
010 0400902000 SIGNATURE OR MCS_00
0 01 1 1 NO CVM 00 90 0 1 00
1
Brazil acquirer submits combo card as a Mastercard credit card identified by
DE 3, SF 2 = 30 (Credit Card Account) or 00 (Default Account) and DE 48, SE
14 = C (Credit Transaction)

MSR
PURCHASE
010 0400902000 SIGNATURE OR DMC_00
0 02 1 1 NO CVM 00 90 0 1 00
2
Brazil acquirer submits combo card as a debit Mastercard card identified by
DE 3, SF 2 = 10 (Savings Account) or 20 (Checking Account) and DE 48, SE 14
= D (Debit Transaction)

Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex Card

Service (Brazil)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application for a Brazil issuer registered for the Flex Card Service
can define routing to a Credit or Debit processor via setting value in DE 48, SE 14
or for a chip transaction setting value in DE 23 position two.

NOTE: Test cases 1-4 are Brazil domestic and 5-7 are global acquired cross border
transactions.

NOTE: Simulator may generate Validation Warning: Intermessage Validation Failure for
Field 063.01 that can be ignored.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 295
 Dual Message Authorization
Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex Card Service
(Brazil)—Authorization Requests

Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex Card

Service (Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
010 0400903000 CUSTOMER MCC_53
0 01 1 0 CHOICE ** ** * * 5 **
Brazil domestic transaction with debit Account Type Indicator provided by
Acquirer
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
1 Account)
DE 4 (Amount, Transaction) = 000000003151 to obtain specified 0110
response data
DE 48, SE 14 (Account Type Indicator) = D (Debit)
0110: DE 48, SE 14 value D returned in response
0110: DE 63, SF 1 (Financial Network Code) contains Debit Mastercard
product code

BUSINESS
TRANSACTION
AND CVM OF
010 0400903000 CUSTOMER MCC_53
0 02 1 0 CHOICE ** ** * * 5 **
Brazil domestic transaction with credit Account Type Indicator provided by
Acquirer
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
2 (Checking Account)
DE 4 (Amount, Transaction) = 000000003152 to obtain specified 0110
response data
DE 48, SE 14 (Account Type Indicator) = C (Credit)
0110: DE 48, SE 14 value C returned in response
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 296
 Dual Message Authorization
Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex Card Service
(Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
010 0400903000 CUSTOMER MCC_53
0 03 1 0 CHOICE ** ** * * 5 **
Brazil domestic transaction with debit processor routing determined by
Mastercard
3
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
Account)
DE 4 (Amount, Transaction) = 000000003153 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Debit Mastercard
product code

BUSINESS
TRANSACTION
AND CVM OF
010 0400903000 CUSTOMER MCC_53
0 04 1 0 CHOICE ** ** * * 5 **
Brazil domestic transaction with credit processor routing determined by
Mastercard
4
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
(Checking Account)
DE 4 (Amount, Transaction) = 000000003154 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 297
 Dual Message Authorization
Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex Card Service
(Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM BUSINESS
TRANSACTION
OF CUSTOMER
010 0400903000 CHOICE MCC_53
0 11 1 0 ONLINE PIN ** ** 1 V 5 **
Cross-border (global acquirer and Brazil Flex Card issuer) transaction with
debit processor routing determined by Mastercard
5
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
Account)
DE 4 (Amount, Transaction) = 000000004000 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Debit Mastercard
product code

ATM BUSINESS
TRANSACTION
OF CUSTOMER
010 0400903000 CHOICE MCC_53
0 12 1 0 ONLINE PIN ** ** 1 V 5 **
Cross-border (global acquirer and Brazil Flex Card issuer) transaction with
credit processor routing determined by Mastercard
6
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
(Checking Account)
DE 4 (Amount, Transaction) = 000000006000 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 298
 Dual Message Authorization
Table 0400903—Acquirer Credit and Debit—MSR Product and Services—Flex Card Service
(Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CNP
BUSINESS
TRANSACTION
OF CUSTOMER
010 0400903000 CHOICE NO MCC_53
0 13 1 0 CVM ** ** * 5 **
Cross-border (global acquirer and Brazil Flex Card issuer) card not present
7 transaction with credit processor routing determined by Mastercard
DE 4 (Amount, Transaction) = 000000003154 to obtain specified 0110
response data
DE 61, SF 5 = 1 (Card not present)
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 299
 Dual Message Authorization
Table 0400925—Acquirer Credit and Debit—MSR Product and Services—High-Risk Purchase
Identifier—Authorization Requests

Table 0400925—Acquirer Credit and Debit—MSR Product and Services—High-Risk

Purchase Identifier—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can submit properly identified cryptocurrency and high-
risk securities transactions in correctly formatted Authorization messages and
process the resulting Authorization Responses.

Table 0400925—Acquirer Credit and Debit—MSR Product and Services—High-Risk

Purchase Identifier—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
MSR 1
PURCHASE DMC_00
010 0400925000 SIGNATURE OR 1
0 01 1 1 NO CVM 00 90 0 MSI_001 00
1
Purchase of cryptocurrency
DE 18 (Merchant Type) = 6051 (Quasi Cash— Merchant)
DE 48, SE 77 (Transaction Type Identifier) = P70 (Cryptocurrency)

MCS_00
MSR 1
PURCHASE DMC_00
010 0400925000 SIGNATURE OR 1
0 02 1 1 NO CVM 00 90 0 MSI_001 00
2
Purchase of high-risk securities
DE 18 (Merchant Type) = 6211 (Securities—Brokers/Dealers)
DE 48, SE 77 (Transaction Type Identifier) = P71 (High-risk Securities)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 300
 Dual Message Authorization
Table 0400930—Acquirer Credit and Debit—MSR Product and Services—Meal Voucher Direct
Settlement Indicator—Authorization Requests

Table 0400930—Acquirer Credit and Debit—MSR Product and Services—Meal

Voucher Direct Settlement Indicator—Authorization Requests
The following test case will test whether an acquirer's Dual Message authorization
application for an acquirer in the Europe region can provide the new field (DE 124
SF 01) containing the Prepaid Voucher Settlement Service and receive an
Authorization Request Response message.

Table 0400930—Acquirer Credit and Debit—MSR Product and Services—Meal

Voucher Direct Settlement Indicator—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS MCS_00
TRANSACTION 1
AND CVM OF DMC_00
010 0400930000 CUSTOMER 1
0 01 1 1 CHOICE ** ** * * MSI_001 00
1 Europe region acquired
0100: DE 4 = 000000005700 to obtain appropriate data in response message
from simulator
0110: DE 124, SF 1 (Merchant Direct Settlement) = B00 (Voucher transactions
will be settled bilaterally by the issuer directly with the merchant.)

Test Cases—ICC-based Operations

The test cases in this section are applicable when upgrading to ICC-based
operations. Both contact ICC-based operations and contactless ICC-based
operations are addressed. Select the appropriate business transactions from the
following tables and conduct the associated test cases.

NOTE:
The transaction amounts customers use must be above the floor limit to cause the
transaction to go online, as required in the test cases (transaction amounts below the floor
limit will be processed offline).

• Base Testing
• Products and Services

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 301
 Dual Message Authorization
Base Testing

Base Testing
The following test cases will test whether a customer’s acquirer Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses when presented with the
required basic functionalities.

NOTE:
Acquirers may optionally submit ATM transactions with online PIN as CAT level 1 or CAT
level 0.

• Table 0450001—Acquirer Credit and Debit—ICC Base—All Business Transactions

(ATM)—Authorization Requests and Reversals
• Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions
(POS CP)—Authorization Requests and Reversals
• Table 0450011—Acquirer Credit and Debit—ICC Base—Technical Conditions—
Authorization Requests
• Table 0450017—Acquirer Credit and Debit—ICC Base—Transaction Integrity
Classification (U.S. Region)—Authorization Requests

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 302
 Dual Message Authorization
Table 0450001—Acquirer Credit and Debit—ICC Base—All Business Transactions (ATM)—
Authorization Requests and Reversals

Table 0450001—Acquirer Credit and Debit—ICC Base—All Business Transactions

(ATM)—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and Reversals for different ATM business transactions containing various
combinations of PAN entry mode, transaction type, cardholder activated terminal
level, and cardholder verification method and process the resulting approved
Authorization Responses.

Table 0450001—Acquirer Credit and Debit—ICC Base—All Business Transactions

(ATM)—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
4
DMC_10
ICC ATM 4
010 0450001000 WITHDRAWAL MSI_104
0 01 1 N/A ONLINE PIN 01 05 * V CIR_104 00
1
Authorization request meets the authorization Chip-specific general
acceptance criteria
ATM withdrawal transaction indicated by DE 18 = 6011; and DE 48tcc = Z
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)

MCC_10
4
ICC ATM DMC_10
BALANCE 4
010 0450001000 INQUIRY MSI_104
0 02 1 N/A ONLINE PIN 30 05 * V CIR_104 00
2 Authorization request meets the authorization Chip-specific general
acceptance criteria
ATM balance inquiry transaction indicated by DE 18 = 6011; and DE 48tcc = Z
Normal Authorization indicated by DE 48, SE 61, SF 5 = 0 (Normal
Authorization/Undefined Finality) or not present and DE 61, SF 7 = 0 (Normal
request)

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 Dual Message Authorization
Table 0450001—Acquirer Credit and Debit—ICC Base—All Business Transactions (ATM)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
4
DMC_10
ICC ATM 4
010 0450001000 PURCHASE MSI_104
0 03 1 N/A ONLINE PIN 00 05 * V CIR_104 00
3 Authorization request meets the authorization Chip-specific general
acceptance criteria
ATM purchase transaction indicated by DE 18 contains applicable value; and
DE 48tcc contains applicable value.
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)

ICC
ELECTRONIC
CASH
010 0450001000 ADVANCE MSI_104
0 04 1 N/A ONLINE PIN 01 05 0 V CIR_104 00

4 Authorization request meets the authorization Chip-specific general

acceptance criteria
Electronic cash advance indicated by DE 18 = 6010 (Manual Cash
Disbursement); and DE 48tcc = C
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)

ICC
ELECTRONIC
CASH
010 0450001000 ADVANCE MSI_101
0 05 1 N/A OFFLINE PIN 01 05 0 CIR_101 00

5 Authorization request meets the authorization Chip-specific general

acceptance criteria
Electronic cash advance indicated by DE 18 = 6010 (Manual Cash
Disbursement); and DE 48tcc = C
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 304
 Dual Message Authorization
Table 0450001—Acquirer Credit and Debit—ICC Base—All Business Transactions (ATM)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
4
DMC_10
ICC ATM 4
010 0450001000 WITHDRAWAL MSI_104
0 11 1 N/A ONLINE PIN 01 05 * V CIR_104 00
040
0 1 N/A DE 39 = ** 00
6 Authorization request meets the authorization Chip-specific general
acceptance criteria
ATM withdrawal transaction indicated by DE 3, SF 1 = 01; DE 18 = 6011; and
DE 48tcc = Z
Final Authorization indicated by DE 48, SE 61, SF 5 = 1 (Final authorization)
and DE 61, SF 7 = 0 (Normal request)
0400: Full or partial reversal and DE 39 applicable Response Code of customer
choice

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 305
 Dual Message Authorization
Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions (POS CP)—
Authorization Requests and Reversals

Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions

(POS CP)—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and Reversals for various business transactions and process the resulting
Authorization Responses.
The tests in this table request that the tester use test cards in the NIV Test Tools
Subset 3. For information about obtaining Subset 3, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

NOTE: Refer the Transaction Processing Rules manual regarding where Mastercard brand
may be used for Purchase with Cash Back transactions.

Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions

(POS CP)—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
ICC 3
010 0450002000 PURCHASE DMC_10
1 0 01 1 N/A SIGNATURE 00 05 0 3 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
5
ICC DMC_10
2 010 0450002000 PURCHASE NO 5
0 02 1 N/A CVM 00 05 0 MSI_105 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
1
ICC DMC_10
3 010 0450002000 PURCHASE 1
0 03 1 N/A OFFLINE PIN 00 05 0 MSI_101 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 306
 Dual Message Authorization
Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions (POS CP)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
4
ICC DMC_10
010 0450002000 PURCHASE 4
0 04 1 N/A ONLINE PIN 00 05 0 V MSI_104 00
4 040
0 1 N/A DE 39 = 17 00
0100/0400: Authorization / reversal request meets the authorization Chip-
specific general acceptance criteria.
Full reversal because of customer cancellation.

MCC_10
ICC CASH 3
010 0450002000 ADVANCE DMC_10
5 0 05 1 N/A SIGNATURE 17 05 0 3 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
ICC CASH 1
010 0450002000 ADVANCE DMC_10
6 0 06 1 N/A OFFLINE PIN 17 05 0 1 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
ICC CASH 4
010 0450002000 ADVANCE DMC_10
7 0 07 1 N/A ONLINE PIN 17 05 0 V 4 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
4
ICC CAT LEVEL DMC_10
8 010 0450002000 1 PURCHASE 4
0 08 1 N/A ONLINE PIN 00 05 1 V MSI_104 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 307
 Dual Message Authorization
Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions (POS CP)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
1
ICC CAT LEVEL DMC_10
9 010 0450002000 1 PURCHASE 1
0 09 1 N/A OFFLINE PIN 00 05 1 MSI_101 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
5
ICC CAT LEVEL DMC_10
10 010 0450002000 2 PURCHASE 5
0 10 1 N/A NO CVM 00 05 2 MSI_105 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
5
ICC CAT LEVEL DMC_10
11 010 0450002000 4 PURCHASE 5
0 11 1 N/A NO CVM 00 05 4 MSI_105 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
3,
ICC CAT LEVEL DMC_10
010 0450002000 9 PURCHASE 3
0 12 1 N/A SIGNATURE 00 05 9 MSI_103 00
Authorization request meets the authorization Chip-specific general
acceptance criteria
12 mPOS device Phone/Tablet +Dongle with PIN Pad
DE 22, SF 2 (POS Terminal PIN Entry Mode) = 1 (Terminal has PIN entry
capability)
DE 48, SE 21 (Acceptance Data), SF 1 (mPOS Acceptance Device Type) = 0
(Dedicated mPOS Terminal with PCI compliant dongle [with or without key
pad])
DE 61, SF 10 = 9 (mPOS Acceptance Device)

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 Dual Message Authorization
Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions (POS CP)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
1
ICC CAT LEVEL DMC_10
010 0450002000 9 PURCHASE 1
0 13 1 N/A OFFLINE PIN 00 05 9 MSI_101 00
Authorization request meets the authorization Chip-specific general
acceptance criteria
13 mPOS device Phone/Tablet +Dongle without PIN Pad
DE 22, SF 2 (POS Terminal PIN Entry Mode) = 3 (Software Based PIN Entry
Capability)
DE 48, SE 21 (Acceptance Data), SF 1 (mPOS Acceptance Device Type) = 0
(Dedicated mPOS Terminal with PCI compliant dongle [with or without key
pad])
DE 61, SF 10 = 9 (mPOS Acceptance Device)

MCC_10
4
ICC CAT LEVEL DMC_10
010 0450002000 9 PURCHASE 4
0 14 1 N/A ONLINE PIN 00 05 9 V MSI_104 00
Authorization request meets the authorization Chip-specific general
acceptance criteria
14
mPOS device Phone/Tablet with or without Dongle without PIN Pad
DE 22, SF 2 (POS Terminal PIN Entry Mode) =3 (Software Based PIN Entry
Capability)
DE 48, SE 21 (Acceptance Data), SF 1 (mPOS Acceptance Device Type) =1
(Off the Shelf Mobile Device)
DE 61, SF 10 = 9 (mPOS Acceptance Device)

ICC MCC_10
PURCHASE 4
WITH CASH DMC_10
010 0450002000 BACK ONLINE 4
0 15 1 N/A PIN 09 05 0 V MSI_104 00
15
Europe region only permits Mastercard credit card to perform Purchase with
Cash Back transaction.
Authorization request meets the authorization Chip-specific general
acceptance criteria.

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 Dual Message Authorization
Table 0450002—Acquirer Credit and Debit—ICC Base—All Business Transactions (POS CP)—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC MCC_10
PURCHASE 1
WITH CASH DMC_10
16 010 0450002000 BACK OFFLINE 1
0 16 1 N/A PIN 09 05 0 MSI_101 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
3
010 0450002000 ICC REFUND DMC_10
17 0 17 1 N/A SIGNATURE 20 05 0 3 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
MCC_10
1
010 0450002000 ICC REFUND DMC_10
18 0 18 1 N/A OFFLINE PIN 20 05 0 1 00
Authorization request meets the authorization Chip-specific general
acceptance criteria.
010 0450002000 ICC REFUND
0 19 1 N/A ONLINE PIN 20 05 0 V MSI_104 00
040
19 0 1 N/A DE 39 = 17 00
0100/0400: Authorization / reversal request meets the authorization Chip-
specific general acceptance criteria.
Full reversal because of customer cancellation.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 310
 Dual Message Authorization
Table 0450011—Acquirer Credit and Debit—ICC Base—Technical Conditions—Authorization
Requests

Table 0450011—Acquirer Credit and Debit—ICC Base—Technical Conditions—

Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses under the less common, but
valid, general conditions surrounding the Authorization System.
These test cases must be executed by all acquirers using a Business Transaction
that they support. The Acquirer may choose any business transaction that they
support to execute these test cases. Therefore, Data Element fields marked with
an asterisk (*) should be the correct ones for the transaction that the customer
chooses to run for the test.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 3. For information about obtaining Subset 3, please see M/Chip Qualified
Test Tool document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 0450011—Acquirer Credit and Debit—ICC Base—Technical Conditions—

Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
DMC_11
ICC BUSINESS 1-112
TRANSACTION MCC_11
AND CVM OF 1-112
010 0450011000 CUSTOMER MSI_111-
0 01 1 N/A CHOICE ** 05 * * 112 00
Authorization request meets the authorization Chip-specific general
1 acceptance criteria plus the following:
DE 23 (Card Sequence Number) must be "001" (card 111) and "002" (card
112)

NOTE: Acquirers should execute this test case twice; once using card 111 and
again using card 112 to validate that the acquirer is obtaining DE 23 value
from the card itself.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 311
 Dual Message Authorization
Table 0450011—Acquirer Credit and Debit—ICC Base—Technical Conditions—Authorization
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC BUSINESS DMC_11
TRANSACTION 5
AND CVM OF MCC_11
010 0450011000 CUSTOMER 5
0 02 1 N/A CHOICE ** 05 * * MSI_115 00
2
Authorization request meets the authorization Chip-specific general
acceptance criteria.
Acquirer must support approved authorization response with no DE 55 (ICC
System Related Data) after full grade request.

ICC FALLBACK
TO MAGNETIC
STRIPE
BUSINESS DMC_11
TRANSACTION 8
OF CUSTOMER MCC_11
010 0450011000 CHOICE 8
0 03 1 N/A SIGNATURE ** 80 * MSI_118 00
3 Fallback to magnetic stripe on hybrid cards (DE 022 = 80X). Transaction
contains correctly formatted magnetic stripe data.
DE 61, SF 11 (POS Card Data Terminal Input Capability indicator) must be 5
(Terminal supports EMV contact chip input and magnetic stripe input) or 8
(Terminal supports EMV contact chip input, magnetic stripe input and key
entry input).
This test must be executed by Acquirers in locations where Chip Fallback to
Magnetic Stripe is supported.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 312
 Dual Message Authorization
Table 0450011—Acquirer Credit and Debit—ICC Base—Technical Conditions—Authorization
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC FALLBACK
TO VOICE
AUTHORIZATIO
N POS
BUSINESS DMC_11
TRANSACTION 8
OF CUSTOMER MCC_11
010 0450011000 CHOICE 8
0 04 1 N/A SIGNATURE ** 79 0 MSI_118 00
4
Fallback to voice authorization on hybrid cards (DE 022 = 79X). Transaction
contains PAN and expiry date from magnetic stripe.
DE 61, SF 11 (POS Card Data Terminal Input Capability indicator) must be 5
(Terminal supports EMV contact chip input and magnetic stripe input) or 8
(Terminal supports EMV contact chip input, magnetic stripe input and key
entry input).
This test must be executed by Acquirers in locations where Chip Fallback to
Magnetic Stripe is supported.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 313
 Dual Message Authorization
Table 0450017—Acquirer Credit and Debit—ICC Base—Transaction Integrity Classification (U.S.
Region)—Authorization Requests

Table 0450017—Acquirer Credit and Debit—ICC Base—Transaction Integrity

Classification (U.S. Region)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message application
can send Authorization Request transactions and receive the Authorization
Request Response/0110 message with the Transaction Integrity Classification in
DE 48, subelement 52.

NOTE: The test cases present one business transaction for each Transaction Integrity Class
value although there may be other business transaction applicable for a Transaction
Integrity Class value.

Table 0450017—Acquirer Credit and Debit—ICC Base—Transaction Integrity

Classification (U.S. Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
APPLICABLE
BUSINESS
TRANSACTION
AND CVM OF MCC_40
010 0450017000 CUSTOMER 4
0 01 1 N/A CHOICE ** 07 * * MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Mastercard Digital Enablement Service issuer token transaction was
successfully mapped and validated.

1 Transaction Integrity Class (TIC) value A1

DE 2 and DE 55 contain token PAN
Acquirer must send DE 4 = 000000005211 to obtain appropriate data in
response message.
DE 61, SF 4 = 0 (Cardholder present), SF 5 = 0 Card Present)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0110: DE 48, SE 52 (Transaction Integrity Classification) = A1 (Card and
Cardholder Present: EMV/Token in a Secure, Trusted Environment)
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 314
 Dual Message Authorization
Table 0450017—Acquirer Credit and Debit—ICC Base—Transaction Integrity Classification (U.S.
Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
APPLICABLE
BUSINESS
TRANSACTION
AND CVM OF MCC_40
010 0450017000 CUSTOMER 4
0 02 1 N/A CHOICE ** 05 * * MSI_405 00
Authorization Request meets the M/Chip-specific general acceptance criteria.
2 Transaction Integrity Class (TIC) value B1
DE 2 and DE 55 contain funding PAN
Acquirer must send DE 4 = 000000005221 to obtain appropriate data in
response message.
DE 61, SF 4 = 0 (Cardholder present), SF 5 = 0 Card Present)
0110: DE 48, SE 52 (Transaction Integrity Classification) = B1 (Card and
Cardholder Present: EMV/Chip Equivalent)

ICC DSRP
APPLICABLE
BUSINESS
TRANSACTION MCC_40
010 0450017000 OF CUSTOMER 4
0 03 1 N/A CHOICE ** 09 6 * MSI_405 00
Authorization Request meets the M/Chip-specific general acceptance criteria.
Mastercard Digital Enablement Service issuer token transaction was
successfully mapped and validated.
Transaction Integrity Class (TIC) value A2

3 DE 2 and DE 55 contain token PAN

Acquirer must send DE 4 = 000000005212 to obtain appropriate data in
response message.
DE 61, SF 4 = 5 (Electronic order), SF 5 = 1 Card Not Present)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0110: DE 48, SE 52 (Transaction Integrity Classification) = A2 (Card and/or
Cardholder Not Present: Digital Transactions)
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 315
 Dual Message Authorization
Products and Services

Products and Services

The following test cases in this section test whether a customer's acquirer Dual
Message authorization application can send correctly formatted Authorization

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 316
 Dual Message Authorization
Products and Services

Requests and process the resulting Authorization Responses when presented under
conditions that are specific to all additional features available.
• Table 0450151—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (All Business Transactions)—Authorization Requests
• Table 0450161—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (Technical Conditions)—Authorization Requests
• Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN
Management Service—Authorization Requests and Reversals
• Table 0450316—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Cardless ATM Program—Authorization Requests
• Table 0450550—Acquirer Credit and Debit—ICC Product and Services—Domestic
Processing (Colombia)—Authorization Requests
• Table 0450621—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Prefunded Model)—Authorization Requests
• Table 0450622—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Real-Time Authorized Model)—Authorization Requests
• Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Post-Authorized Aggregated Model)—Authorization Requests
• Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Authorized Aggregated Split Clearing Model)—Authorization Requests
• Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Authorization
Requests and Advices and Reversals
• Table 0450627—Acquirer Credit and Debit—ICC Product and Services—TSP
Token (Transit)—Authorization Requests
• Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric
Vehicle Charging—Authorization Requests and Reversal Requests
• Table 0450641—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Biometric Card Authentication—Authorization Requests and Advices
• Table 0450645—Acquirer Credit and Debit—ICC Product and Services—
Automated Fuel Dispenser—Authorization Requests and Advices and Reversals
• Table 0450715—Acquirer Credit and Debit—ICC Product and Services—Transit
Top-Up Payment Transactions (India)— Authorization Requests
• Table 0450719—Acquirer Credit and Debit—ICC Product and Services—Single
Tap and PIN Request (Europe Region)—Authorization Requests
• Table 0450811—Acquirer Credit and Debit—ICC Product and Services—Digital
Secure Remote Payment—Authorization Requests
• Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By
Account—Authorization Requests and Reversals
• Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card
Service (Brazil)—Authorization Requests
• Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic
Processing (Colombia)—Authorization Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 317
 Dual Message Authorization
Table 0450151—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip (All
Business Transactions)—Authorization Requests

Table 0450151—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (All Business Transactions)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted contactless chip
Authorization Requests for various business transactions and process the resulting
Authorization Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools (link to that document, http://my.mastercard.com/gto/service_mgmt/
cust_service_mgmt/Manuals_MP/ENG/MCQ/MCQ_Manual.pdf).

NOTE: CVM Limit Amounts are found in the Chargeback Guide.

Table 0450151—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (All Business Transactions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
010 0450151000 PURCHASE 3
1 0 01 1 N/A SIGNATURE 00 07 0 MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS MCC_40
010 0450151000 PURCHASE 4
2 0 02 1 N/A ONLINE PIN 00 07 0 V MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
CAT LEVEL 1 MCC_40
010 0450151000 PURCHASE 4
3
0 03 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 318
 Dual Message Authorization
Table 0450151—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip (All
Business Transactions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 2 MCC_40
010 0450151000 PURCHASE NO 5
4
0 04 1 N/A CVM 00 07 2 MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
CAT LEVEL 4 MCC_40
010 0450151000 PURCHASE NO 5
5
0 05 1 N/A CVM 00 07 4 MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
CASH
010 0450151000 ADVANCE MCC_40
6
0 06 1 N/A SIGNATURE 17 07 0 3 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
CASH
010 0450151000 ADVANCE MCC_40
7
0 07 1 N/A ONLINE PIN 17 07 0 V 4 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
POS BALANCE MCC_40
010 0450151000 INQUIRY 3
0 08 1 N/A SIGNATURE 30 07 0 MSI_405 00
8
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 319
 Dual Message Authorization
Table 0450151—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip (All
Business Transactions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
POS BALANCE MCC_40
010 0450151000 INQUIRY 4
0 09 1 N/A ONLINE PIN 30 07 0 V MSI_405 00
9
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

ICC
CONTACTLESS
010 0450151000 REFUND MCC_40
10 0 10 1 N/A SIGNATURE 20 07 0 3 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS MCC_40
ATM BALANCE 4
010 0450151000 INQUIRY MSI_406
0 11 1 N/A ONLINE PIN 30 07 * V CIR_404 00
11
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

ICC
CONTACTLESS MCC_40
ATM 4
010 0450151000 WITHDRAWAL MSI_405
12
0 12 1 N/A ONLINE PIN 01 07 * V CIR_404 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS MCC_40
010 0450151000 PURCHASE NO 3
13 0 13 1 N/A CVM 00 07 0 MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 320
 Dual Message Authorization
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Authorization Requests

Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (Technical Conditions)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and process the resulting Authorization Responses when presented under the less
common, but valid, general conditions surrounding the Authorization System.
These test cases must be executed by all Acquirers using a Business Transaction
that they support. The Acquirer may choose any business transaction that they
support to execute these test cases. Therefore, Data Element fields marked with
an asterisk (*) should be the correct ones for the transaction that the customer
chooses to run for the test.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_41
BUSINESS 1-412
TRANSACTION MSI_411-
AND CVM OF 412
010 0450161000 CUSTOMER CIR_411-
0 01 1 N/A CHOICE ** 07 * * 412 00
1
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

NOTE: Acquirer should execute this test twice; once using card 411 and again
using card 412 to validate that the acquirer is obtaining DE 23 value from the
card itself.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 321
 Dual Message Authorization
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
BUSINESS
TRANSACTION MCC_41
AND CVM OF 5
010 0450161000 CUSTOMER MSI_415
2 0 02 1 N/A CHOICE ** 07 * * CIR_415 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Unlike other ICC contactless tests, authorization response includes DE 55 (ICC
System-related data), which is not processed by the terminal or card and
should not affect transaction outcome.

ICC
CONTACTLESS
BUSINESS
TRANSACTION MCC_40
AND CVM OF 6
010 0450161000 CUSTOMER MSI_405
0 03 1 N/A CHOICE ** 07 * * CIR_406 00
3
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Should only be executed by acquirers supporting Device Type.
0100 message Device Type = Card (DE 48, SE 23 = 00) although any other
valid values may be sent as needed.

ICC
CONTACTLESS
BUSINESS
TRANSACTION MCC_42
AND CVM OF 0
010 0450161000 CUSTOMER MSI_420
0 04 1 N/A CHOICE ** 07 * * CIR_420 00
4
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Should only be executed by acquirers supporting Device Type.
0100 message Device Type = Mobile Phone (DE 48, SE 23 = 01) although any
other valid values may be sent as needed.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 322
 Dual Message Authorization
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
ATM 4
010 0450161000 WITHDRAWAL MSI_406
0 05 1 N/A ONLINE PIN 01 07 * V CIR_404 00
5 Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
This is the first of two ATM service requests initiated by a single contactless
tap wherein the cryptographic data will be the same for both requests when
Transaction Type (DE 55 tag 9C) is equal to '93' (contactless)

ICC
CONTACTLESS MCC_40
ATM 4
010 0450161000 WITHDRAWAL MSI_406
0 06 1 N/A ONLINE PIN 01 07 * V CIR_404 00
6 Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
This is the second of two ATM service requests initiated by a single contactless
tap wherein the cryptographic data will be the same for both requests.
Transaction Type (DE 55 tag 9C) is equal to '01' (withdrawal)

ICC
CONTACTLESS
POS CP
BUSINESS
TRANSACTION
AND CVM OF MCC_42
010 0450161000 CUSTOMER 0
0 11 1 N/A CHOICE ** 07 * * MSI_420 00
7 Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Mastercard Digital Enablement Service issuer PAN transaction.
0100: Acquirer must send DE 4 = 000000005600 to obtain appropriate data in
response message.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 323
 Dual Message Authorization
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
POS CP
BUSINESS
TRANSACTION
AND CVM OF MCC_40
010 0450161000 CUSTOMER 4
0 12 1 N/A CHOICE ** 07 * * MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
8
Mastercard Digital Enablement Service issuer token transaction was
successfully mapped and validated.
0100: Acquirer must send DE 4 = 000000005633 to obtain appropriate data in
response message.
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

ICC
CONTACTLESS MCC_40
ATM 4
010 0450161000 WITHDRAWAL MSI_405
0 21 1 N/A ONLINE PIN 01 07 * V CIR_404 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
9
Mastercard Digital Enablement Service issuer PAN transaction.
0100: Acquirer must send DE 4 = 000000028000 to obtain appropriate data in
response message.
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)
0110: DE 56 (Payment Account Data) is not provided.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 324
 Dual Message Authorization
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
ATM 4
010 0450161000 WITHDRAWAL MSI_405
0 22 1 N/A ONLINE PIN 01 07 * V CIR_404 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Mastercard Digital Enablement Service issuer token transaction was
successfully mapped and validated.
10
0100: Acquirer must send DE 4 = 000000028000 to obtain appropriate data in
response message.
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0110: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)
0110: DE 56 (Payment Account Data) is not provided.

ICC BARCODE
PURCHASE OR MCS_13
REFUND OF 0
CUSTOMER DMC_13
010 0450161000 CHOICE AND 0
0 31 1 N/A CDCVM ** 03 0 MSI_130 00
Tokenized MasterCard consumer-presented QR transaction
0100: DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate
data in response message from simulator.
0100: DE 22, SF 1 (POS Terminal PAN Entry Mode) = 03 (PAN auto-entry via
barcode reader).
11
0100: DE 48, SE 21 (Acceptance Data), SF 2 (Additional Terminal Capability
Indicator) = 11 (M/Chip QR and Barcode both supported).
0100: DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier);
and DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
0100: DE 55 (ICC System-Related Data), DE 23 (Card Sequence Number), and
DE 35 (Track 2 Data) are present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 325
 Dual Message Authorization
Table 0450161—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC BARCODE
PURCHASE OR MCS_13
REFUND OF 0
CUSTOMER DMC_13
010 0450161000 CHOICE AND 0
0 32 1 N/A CDCVM ** 03 0 MSI_130 00
Tokenized MasterCard consumer-presented QR transaction
0100: DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate
data in response message from simulator.
0100: DE 22, SF 1 (POS Terminal PAN Entry Mode) = 03 (PAN auto-entry via
barcode reader).
12
0100: DE 48, SE 21 (Acceptance Data), SF 2 (Additional Terminal Capability
Indicator) = 10 (M/Chip QR only supported).
0100: DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier);
and DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
0100: DE 55 (ICC System-Related Data), DE 23 (Card Sequence Number), and
DE 35 (Track 2 Data) are present.
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 326
 Dual Message Authorization
Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN Management Service
—Authorization Requests and Reversals

Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN

Management Service—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted PIN Management
Authorization Requests and Reversals and process the resulting Authorization
Response messages. All PIN Management test cases are required for acquirers
supporting M/Chip™ PIN Management.
PIN Management Authorization M/Chip-specific general acceptance criteria:
Unless otherwise specified in the comments field of the test case, the following
conditions must be fulfilled with M/Chip 0100 authorization request messages:
• DE 3 (Processing Code) SF 1 (Cardholder Transaction Type Code) must be 91 for
PIN Unblock or 92 for PIN Change.
• DE 18 (Merchant Type) must be 6011.
• DE 22 (POS Entry Mode) SF 1 (POS Terminal Entry Mode) must be 05 (PAN
auto-entry via M/Chip).
• DE 22 (POS Entry Mode) SF 2 (POS Terminal PIN Entry Mode) must be 1
(Terminal has PIN entry capability).
• DE 52 (PIN Data) must be present.
• DE 55 (ICC System-related Data) is present, the Authorization Request
Cryptogram (ARQC) must be successfully validated by the simulator.
• All mandatory tags, including 9F34 (CVM Results), must be present in DE 55.
• DE 61 (POS Data) SF 4 (POS Cardholder Presence) must be 0 (Cardholder
present).
• DE 61 (POS Data) SF 11 (POS Card Data Terminal Input Capability Indicator)
must be 5 (EMV specification [compatible M/Chip reader] and magnetic stripe
reader) or 9 (EMV specification [compatible M/Chip reader] only).
• For PIN Change transactions, DE 125 (New PIN Data) must be present and
contain the new PIN Code encrypted with the same method as DE 52 (PIN
Data).
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 5. For information about obtaining Subset 5, please see M/Chip Qualified
Test Tools.
This table includes successful requests, declined results, technical conditions, and
reversals.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 327
 Dual Message Authorization
Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN Management Service
—Authorization Requests and Reversals

Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN

Management Service—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_14
3
DMC_14
ICC ATM PIN 3
1 010 0450311000 UNBLOCK MSI_143
0 01 1 N/A ONLINE PIN 91 05 * V CIR_143 85
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.

MCC_14
3
DMC_14
ICC ATM PIN 3
2 010 0450311000 CHANGE MSI_143
0 02 1 N/A ONLINE PIN 92 05 * V CIR_143 85
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.

MCC_14
4
DMC_14
ICC ATM PIN 4
3 010 0450311000 UNBLOCK MSI_144
0 11 1 N/A ONLINE PIN 91 05 * V CIR_144 70
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.

MCC_14
5
DMC_14
ICC ATM PIN 5
010 0450311000 CHANGE MSI_145
4 0 12 1 N/A ONLINE PIN 92 05 * V CIR_145 71
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.
DE 125 present but PIN not changed.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 328
 Dual Message Authorization
Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN Management Service
—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_14
6
DMC_14
ICC ATM PIN 6
5 010 0450311000 UNBLOCK MSI_146
0 13 1 N/A ONLINE PIN 91 05 * V CIR_146 57
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.

MCC_14
7
DMC_14
ICC ATM PIN 7
010 0450311000 CHANGE MSI_147
6 0 14 1 N/A ONLINE PIN 92 05 * V CIR_147 89
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.
DE 125 contains an unacceptable PIN.

MCC_15
2
DMC_15
ICC ATM PIN 2
010 0450311000 UNBLOCK MSI_152
7 0 21 1 N/A ONLINE PIN 91 05 * V CIR_152 57
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.
Declined response with issuer script

MCC_15
1
DMC_15
ICC ATM PIN 1
010 0450311000 CHANGE MSI_151
8 0 22 1 N/A ONLINE PIN 92 05 * V CIR_151 00
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.
Approved response with no issuer script.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 329
 Dual Message Authorization
Table 0450311—Acquirer Credit and Debit—ICC Product and Services—PIN Management Service
—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_15
0
DMC_15
ICC ATM PIN 0
010 0450311000 UNBLOCK MSI_150
0 31 1 N/A ONLINE PIN 91 05 * V CIR_150 00
040
0 1 N/A DE 39 = 06 00
9
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.
Approved response containing an invalid issuer script that cannot be
implemented by the card.
Full reversal (issuer script implementation failed).
Reversal message meets the reversal Chip-specific general acceptance
criteria.

MCC_14
3
DMC_14
ICC ATM PIN 3
010 0450311000 CHANGE MSI_143
0 32 1 N/A ONLINE PIN 92 05 * V CIR_143 00
10
040
0 1 N/A DE 39 = 17 00
Authorization Request meets the PIN Management authorization Chip-
specific general acceptance criteria.
Full reversal for customer cancellation.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 330
 Dual Message Authorization
Table 0450316—Acquirer Credit and Debit—ICC Product and Services—Mastercard Cardless ATM
Program—Authorization Requests

Table 0450316—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Cardless ATM Program—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
tokenized Mastercard Cardless ATM Program transactions, and process the
resulting Authorization Responses.

Table 0450316—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Cardless ATM Program—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
DSRP ICC
CARDLESS MCC_40
ATM 4
010 0450316000 WITHDRAWAL MSI_405
0 01 1 1 ONLINE PIN 01 09 6 * CIR_404 00
MasterCard Cardless ATM Program transaction by participating acquirers and
issuers and verified by CDCVM and optional online PIN
DE 4 (Amount, Transaction) = 000000028000 to obtain appropriate response
information
DE 18 = 6011 and DE 48tcc = Z (ATM)
1 DE 48, SE 28 (Cardless ATM Order ID) and SE 29 (Additional POS Terminal
Locations) = A (Transaction has been initiated remotely and completed at a
physical terminal on premises of the card acceptor facility) are present
DE 52 may be present
DE 55 present along with DE 23 and DE 35
DE 61, SF 3 = 8 (Additional POS Terminal Location)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN), SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is not provided

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 331
 Dual Message Authorization
Table 0450316—Acquirer Credit and Debit—ICC Product and Services—Mastercard Cardless ATM
Program—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
DSRP ICC
CARDLESS MCC_40
ATM 4
010 0450316000 WITHDRAWAL MSI_405
0 02 1 1 CDCVM 01 09 6 * CIR_404 00
MasterCard Cardless ATM Program transaction by participating acquirers and
issuers and verified by CDCVM only
DE 4 (Amount, Transaction) = 000000028000 to obtain appropriate response
information
DE 18 = 6011 and DE 48tcc = Z (ATM)
2 DE 48, SE 28 (Cardless ATM Order ID) and SE 29 (Additional POS Terminal
Locations) = B (Transaction has been initiated remotely and completed at a
physical terminal off premises of the card acceptor facility) are present
DE 52 may be present
DE 55 present along with DE 23 and DE 35
DE 61, SF 3 = 8 (Additional POS Terminal Location)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN), SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is not provided

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 332
 Dual Message Authorization
Table 0450550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

Table 0450550—Acquirer Credit and Debit—ICC Product and Services—Domestic

Processing (Colombia)—Authorization Requests
The following test cases will test whether an acquirer Dual Message authorization
application can send various types of Colombia domestic transactions containing
applicable data in correctly formatted Authorization Requests, Advice, and
Reversal messages and receive the resulting Authorization Responses. Tip and tax
values may be any desired amount. DE48 sub95, DE112 SE010 and 011 are
required for MC Credit products and are optional for MC Debit. DE124 is required
for all POS domestic messages.

Table 0450550—Acquirer Credit and Debit—ICC Product and Services—Domestic

Processing (Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC MCC_10
PURCHASE 3
CVM OF DMC_10
010 0450550000 CUSTOMER 1
0 01 1 1 CHOICE 00 05 0 * MSI_104 00
1
Restaurant transaction with gratuity, 1 installment.
DE 54 present with amount type 44 (Amount Gratuity). DE 48 sub 95 and DE
112 may be present.
DE 124 present containing Colombia domestic transaction information.

ICC MCC_10
PURCHASE 3
CVM OF DMC_10
010 0450550000 CUSTOMER 1
0 02 1 1 CHOICE 00 05 0 * MSI_104 00
040
2 0 1 1 DE 39 = 17 00
Purchase transaction followed by customer cancellation full amount reversal
transaction.
DE 48, SE 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.
0400: DE 124 present including SF 10 (Original Transaction Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 333
 Dual Message Authorization
Table 0450550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
ICC CASH 3
ADVANCE CVM DMC_10
010 0450550000 OF CUSTOMER 1
3 0 03 1 1 CHOICE 17 05 0 MSI_104 05
Cash Advance transaction.
DE 48, SE 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.

ICC
PURCHASE MCC_10
WITH CASH 3
BACK CVM OF DMC_10
010 0450550000 CUSTOMER 1
4 0 04 1 1 CHOICE 09 05 0 * MSI_104 00
Purchase with Cash Back transaction.
DE 48 sub 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.

ICC MCC_10
PURCHASE 3
CVM OF DMC_10
010 0450550000 CUSTOMER 1
0 05 1 1 CHOICE 00 05 0 * MSI_104 00
5
Purchase transaction for twelve installments using Mastercard Assigned ID.
0100: DE 48, SE 95 = COLCTA; DE 112, SE 010 = 12 and SE 011 (Customer ID)
= 12345678901 (test value); and DE 124 present containing Colombia
domestic transaction information.

ICC CAT LEVEL MCC_10

9 PURCHASE 3
CVM OF DMC_10
010 0450550000 CUSTOMER 1
0 06 1 1 CHOICE 00 05 9 * MSI_104 00
6 Purchase transaction for 2 installments.
0100: DE 48, SE 95 = COLCTA; DE 112, SE 010 = 02 and SE 011 (Customer ID)
= 12345678901 (test value); and DE 124 present containing Colombia
domestic transaction information. DE 61, SF 10 = 9 (mPOS Acceptance
Device).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 334
 Dual Message Authorization
Table 0450550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC MCC_10
PURCHASE 3
CVM OR DMC_10
010 0400550000 CUSTOMER 1
0 07 1 1 CHOICE 00 05 0 * MSI_104 00
7 Billing payment transaction.
DE 112, SE 011 (Customer ID) = 12345678901 (test value) and DE 124
present containing Colombia domestic transaction information including SF 6
(Original Processing Code) = 350000 (Billing payment) and SF 7 (Bill
Payment/Top Up Data).

ICC MCC_10
PURCHASE 3
CVM OF DMC_10
010 0450550000 CUSTOMER 1
0 08 1 1 CHOICE 00 05 0 * MSI_104 00
8 Cellular phone top up transaction.
0100: DE 112, SE 011 (Customer ID) = 12345678901 (test value) and DE 124
present containing Colombia domestic transaction information including SF 6
(Original Processing Code) = 380000 (Cellular phone top up) and SF 7 (Bill
Payment/Top Up Data).

MCC_10
ICC PAYMENT 3
CVM OF DMC_10
010 0450550000 CUSTOMER 1
9 0 09 1 1 CHOICE 28 05 0 * MSI_104 00
Payment transaction.
DE 48 TCC as P and SE 77 = CXX depending of supported payment
capabilities.

MCC_10
3
DMC_10
010 0450550000 ICC ACIERTA 1
0 10 1 1 PURCHASE 00 05 0 MSI_104 51

10 Acierta purchase transaction.

0100: DE 4 must be sent as 525000 COP to receive expected response, DE 112
with installments, DE 48, SE 95 as COLCTA and DE124 present.
0110: DE 39 = 51 (Insufficient funds).
0120: DE 39 = 00 (Approved), DE38 = ACXXXX, DE60 = 190 or 191.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 335
 Dual Message Authorization
Table 0450550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
PURCHASE MCC_10
SIGNATURE 3
CVM OF DMC_10
010 0450550000 CUSTOMER 1
11 0 11 1 1 CHOICE 00 05 0 * MSI_104 00
Purchase transaction with issuer promotional reimbursement.
0100: DE 48, SE 95 = COLCTA; DE 112, SE 010 present and SE 011 (Customer
ID) = 12345678901 (test value); and DE 124 present containing Colombia
domestic transaction information.

MCC_10
CNP BUSINESS 3
TRANSACTION DMC_10
010 0450550000 OF CUSTOMER 1
0 12 1 1 CHOICE ** *5 * * MSI_104 00
12 Purchase transaction.
DE 43, SF 1 with 3 character abbreviated Payment Facilitator name followed
by asterisk in position 4, 8 or 13 followed by Sub-merchant name.
DE 48, SE 37, SF 1 = Payment Facilitator ID, SF 2 = Independent Sales
Organization ID and SF 3 = Sub-merchant ID.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 336
 Dual Message Authorization
Table 0450621—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Prefunded Model)—Authorization Requests

Table 0450621—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Prefunded Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Program Prefunded model and related ATC Update transactions, and
process the resulting Authorization Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 0450621—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Prefunded Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450621000 PURCHASE NO DMC_40
0 01 1 N/A CVM 00 07 0 6_IRL 00
Prefunded transit transaction with applicable transit specific data in the
authorization request.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
1 DE 4 (Amount, Transaction) contains fare for travel subscription or plan
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 01 (Prefunded) and
SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains fare for travel subscription or
plan
DE 55 contains ICC data from the tap for fare for travel subscription or plan
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 337
 Dual Message Authorization
Table 0450621—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Prefunded Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450621000 PURCHASE NO DMC_40
0 09 1 N/A CVM 00 07 0 6_IRL 00
ATC Authorization Request with the most recent ATC (Application Transaction
Counter) value and other applicable data.
2
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
DE 4 (Amount, Transaction) contains all zeros
DE 55 contains ICC data from the most recent tap
DE 61, SF 7 (POS Transaction Status) = 6 (ATC Update)

NOTE: Transit merchants must initiate an ATC update with most recent ATC
value at least once every 20 times a card is used in the transit system from the
last authorization or ATC update request.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 338
 Dual Message Authorization
Table 0450622—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Real-
Time Authorized Model)—Authorization Requests

Table 0450622—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Real-Time Authorized Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Program Post-Authorized Aggregated model and related Debt
Recovery transactions, and process the resulting Authorization Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 0450622—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Real-Time Authorized Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450622000 PURCHASE NO DMC_40
0 01 1 N/A CVM 00 07 0 6_IRL 00
Real-Time Authorized transit transaction with applicable transit specific data
in the authorization request.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
1 DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)
DE 4 (Amount, Transaction) contains single/known ride fare
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 02 (Real-Time
Authorized) and SF 2 (Transportation Mode Indicator) contains an applicable
valid value
DE 55, tag 9F02 (Amount, Authorized) contains single/known ride fare
DE 55 contains ICC data from the tap for single/known ride fare
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 339
 Dual Message Authorization
Table 0450622—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Real-
Time Authorized Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450622000 PURCHASE NO DMC_40
0 07 1 N/A CVM 00 07 0 6_IRL 00
Card present debt recovery transit transaction via M/Chip contactless tap
using funding PAN on an attended or unattended terminal.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains funding PAN
2
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 340
 Dual Message Authorization
Table 0450622—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Real-
Time Authorized Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450622000 PURCHASE NO DMC_40
0 08 1 N/A CVM 00 07 0 6_IRL 00
Card present debt recovery transit transaction via M/Chip contactless tap
using device token PAN on an attended or unattended terminal.

NOTE: This test case is included to get the PAN in the authorization response
for the purpose of performing a debt recovery when cardholder uses the digital
wallet in transit. Since the device token cannot be used to perform the debt
recovery, transit operator should trigger the debt recovery by using the PAN
returned in PAN Mapping Information.

Authorization request meets the contactless M/Chip-specific general

acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains device token PAN
3
DE 4 (Amount, Transaction) = 000000000499 to obtain appropriate response
information
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 341
 Dual Message Authorization
Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Model)—Authorization Requests

Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Post-Authorized Aggregated Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Program Post-Authorized Aggregated model and related Debt
Recovery and ATC Update transactions, and process the resulting Authorization
Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Post-Authorized Aggregated Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450623000 PURCHASE NO DMC_40
0 01 1 N/A CVM 00 07 0 6_IRL 00
Post-Authorized Aggregated transit transaction with applicable transit
specific data in the authorization request.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
1 DE 4 (Amount, Transaction) contains nominal amount such as 0.10
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 03 (Post-Authorized
Aggregated) and SF 2 (Transportation Mode Indicator) contains an applicable
valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 342
 Dual Message Authorization
Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450623000 PURCHASE NO DMC_40
0 07 1 N/A CVM 00 07 0 6_IRL 00
Card present debt recovery transit transaction via M/Chip contactless tap
using funding PAN on an attended or unattended terminal.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains funding PAN
2
DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 343
 Dual Message Authorization
Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450623000 PURCHASE NO DMC_40
0 08 1 N/A CVM 00 07 0 6_IRL 00
Post-Authorized Aggregated transit transaction with applicable transit
specific data in the authorization request.

NOTE: This test case is included to get the PAN in the authorization response
for the purpose of performing a debt recovery when cardholder uses the digital
wallet in transit. Since the device token cannot be used to perform the debt
recovery, transit operator should trigger the debt recovery by using the PAN
returned in PAN Mapping Information.

Authorization request meets the contactless M/Chip-specific general

acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains device token PAN
3
DE 4 (Amount, Transaction) = 000000000499 to obtain appropriate response
information
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 03 (Post-
Authorized Aggregated) and SF 02 (Transportation Mode Indicator) contains
an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeroes
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 344
 Dual Message Authorization
Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450623000 PURCHASE NO DMC_40
0 05 1 N/A CVM 00 07 0 6_IRL 00
Post-Authorized Aggregated transit transaction with applicable transit
specific data in the authorization request.

NOTE: This test case is included to get the PAN in the authorization response
for the purpose of performing a debt recovery when cardholder uses the non-
MDES token in transit. Since the token cannot be used to perform the debt
recovery, transit operator should trigger the debt recovery by using the PAN
returned in PAN Mapping Information.

Authorization request meets the contactless M/Chip-specific general

acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains non-MDES token PAN
4
DE 4 (Amount, Transaction) = 000000000488 to obtain appropriate response
information
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 03 (Post-
Authorized Aggregated) and SF 02 (Transportation Mode Indicator) contains
an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeroes
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)
0110: DE 48, SE 33 = E (Embossed Account Number Provided by Issuer), SF 2
(PAN), SF 3 (PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token
Requestor ID) if applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 345
 Dual Message Authorization
Table 0450623—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450623000 PURCHASE NO DMC_40
0 09 1 N/A CVM 00 07 0 6_IRL 00
ATC Update Request with the most recent ATC (Application Transaction
Counter) value and other applicable data.
5
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
DE 4 (Amount, Transaction) contains all zeros
DE 55 contains ICC data from the most recent tap
DE 61, SF 7 (POS Transaction Status) = 6 (ATC Update)

NOTE: Transit merchants must initiate an ATC update with most recent ATC
value at least once every 20 times a card is used in the transit system from the
last authorization or ATC update request.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 346
 Dual Message Authorization
Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Authorized Aggregated Split Clearing Model)—Authorization Requests

Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Authorized Aggregated Split Clearing Model)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
the Transit Program Authorized Aggregated Split Clearing model and related Debt
Recovery and ATC Update transactions, and process the resulting Authorization
Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Authorized Aggregated Split Clearing Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450624000 PURCHASE NO DMC_40
0 01 1 N/A CVM 00 07 0 6_IRL 00
Authorized Aggregated Split Clearing transit transaction with applicable
transit specific data in the authorization message for a preauthorization
request.
Authorization request meets the contactless M/Chip-specific general
1 acceptance criteria.
DE 4 (Amount, Transaction) contains nominal amount such as 0.10
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 04 (Authorized
Aggregated Split Clearing) and SF 2 (Transportation Mode Indicator) contains
an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the tap that generated nominal authorization
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorized Request

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 347
 Dual Message Authorization
Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Authorized Aggregated Split Clearing Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450624000 PURCHASE NO DMC_40
0 02 1 N/A CVM 00 07 0 6_IRL 00
Authorized Aggregated Split Clearing transit transaction with applicable
transit specific data in the authorization request for an end of day
authorization.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
2
DE 4 (Amount, Transaction) contains aggregated amount spent for the travel
period (i.e., for the travel day)
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 04 (Authorized
Aggregated Split Clearing) and SF 02 (Transportation Mode Indicator)
contains an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the last tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorized Request

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 348
 Dual Message Authorization
Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Authorized Aggregated Split Clearing Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450624000 PURCHASE NO DMC_40
0 08 1 N/A CVM 00 07 0 6_IRL 00
Authorized Aggregated Split Clearing transit transaction with applicable
transit specific data in the authorization request.

NOTE: This test case is included to get the PAN in the authorization response
for the purpose of performing a debt recovery when cardholder uses the digital
wallet in transit. Since the device token cannot be used to perform the debt
recovery, transit operator should trigger the debt recovery by using the PAN
returned in PAN Mapping Information.

Authorization request meets the contactless M/Chip-specific general

acceptance criteria.
3 DE 2 (Primary Account Number[PAN]) contains device token PAN
DE 4 (Amount, Transaction) = 000000000499 to obtain appropriate response
information
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 04 (Authorized
Aggregated Split Clearing) and SF 02 (Transportation Mode Indicator)
contains an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeroes
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorized Request
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 349
 Dual Message Authorization
Table 0450624—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Authorized Aggregated Split Clearing Model)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0450623000 PURCHASE NO DMC_40
0 09 1 N/A CVM 00 07 0 6_IRL 00
ATC Update Request with the most recent ATC (Application Transaction
Counter) value and other applicable data.
4
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
DE 4 (Amount, Transaction) contains all zeros
DE 55 contains ICC data from the most recent tap
DE 61, SF 7 (POS Transaction Status) = 6 (ATC Update)

NOTE: Transit merchants must initiate an ATC update with most recent ATC
value at least once every 20 times a card is used in the transit system from the
last authorization or ATC update request.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 350
 Dual Message Authorization
Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Authorization Requests and Advices and Reversals

Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Authorization Requests
and Advices and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests
and Reversals or Advices for the Transit Program Post-Authorized Aggregated
Maestro model and ATC Update transactions, and process the resulting
Authorization Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 351
 Dual Message Authorization
Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Authorization Requests and Advices and Reversals

Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Authorization Requests
and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450626000 PURCHASE NO
0 01 1 N/A CVM 00 07 0 MSI_406 00
040
0 1 N/A DE 39 = 32 00
Post-Authorized Aggregated Maestro transit transaction with applicable
transit specific data in the authorization request and a reversal (using
Reversal Request/0400) for the unused amount from the estimated/
maximum fare.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
1
DE 4 (Amount, Transaction) contains estimated or maximum transit fare for 3
days (all the regions except Mexico) and 2 days for Mexico
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 06 (Post-Authorized
Aggregated Maestro) and SF 2 (Transportation Mode Indicator) contains an
applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorized Request)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 352
 Dual Message Authorization
Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450626000 PURCHASE NO
0 02 1 N/A CVM 00 07 0 MSI_406 00
012
0 1 N/A DE 39 = 00 00
Post-Authorized Aggregated Maestro transit transaction with applicable
transit specific data in the authorization request and an advice (using
Authorization Advice/0120) to return the unused amount from the estimated/
maximum fare.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
2
DE 4 (Amount, Transaction) contains estimated or maximum transit fare for 3
days (all the regions except Mexico) and 2 days for Mexico
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 06 (Post-Authorized
Aggregated Maestro) and SF 2 (Transportation Mode Indicator) contains an
applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorized Request

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 353
 Dual Message Authorization
Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450626000 PURCHASE NO
0 08 1 N/A CVM 00 07 0 MSI_406 00
Post-Authorized Aggregated Maestro transit transaction with applicable
transit specific data in the authorization request.

NOTE: This test case is included to get the PAN in the authorization response
for the purpose of performing a debt recovery when cardholder uses the digital
wallet in transit. Since the device token cannot be used to perform the debt
recovery, transit operator should trigger the debt recovery by using the PAN
returned in PAN Mapping Information.

Authorization request meets the contactless M/Chip-specific general

acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains device token PAN
DE 4 (Amount, Transaction) = 000000000499 to obtain appropriate response
3
information
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 06 (Post-
Authorized Aggregated Maestro) and SF 02 (Transportation Mode Indicator)
contains an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeroes
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorized Request
0110: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0110: DE 56 (Payment Account Data) is present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 354
 Dual Message Authorization
Table 0450626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450626000 PURCHASE NO
0 09 1 N/A CVM 00 07 0 MSI_406 00
ATC Update Request with the most recent ATC (Application Transaction
Counter) value and other applicable data.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
4
DE 4 (Amount, Transaction) contains all zeros
DE 55 contains ICC data from the most recent tap
DE 61, SF 7 (POS Transaction Status) = 6 (ATC Update)

NOTE: Transit merchants must initiate an ATC update with most recent ATC
value at least once every 20 times a card is used in the transit system from the
last authorization or ATC update request.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 355
 Dual Message Authorization
Table 0450627—Acquirer Credit and Debit—ICC Product and Services—TSP Token (Transit)—
Authorization Requests

Table 0450627—Acquirer Credit and Debit—ICC Product and Services—TSP Token

(Transit)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Authorization Requests for
TSP token transit model transactions and receive the resulting Authorization
Responses containing the embossed account data.

Table 0450627—Acquirer Credit and Debit—ICC Product and Services—TSP Token

(Transit)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_40
6_GBR
MCC_40
6_IRL
ICC DMC_40
CONTACTLESS 6_GBR
010 0850627000 PURCHASE NO DMC_40
0 01 1 N/A CVM 00 07 0 6_IRL 00
TSP token Prefunded transit transaction with applicable transit specific data
in the authorization request.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
1 DE 4 (Amount, Transaction) contains fare for travel subscription or plan
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 01 (Prefunded) and
SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains fare for travel subscription or
plan
DE 55 contains ICC data from the tap for fare for travel subscription or plan
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
0110: DE 48, SE 33, SFs 1-3 containing embossed card information for the
transit merchant

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 356
 Dual Message Authorization
Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Authorization Requests and Reversal Requests

Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric

Vehicle Charging—Authorization Requests and Reversal Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted M/Chip Contactless
Authorization Request and, when applicable, Reversal Request messages for
Electric Vehicle Charging transactions and receive the resulting Authorization
Responses.

NOTE: Please see AN 3852—Revised Standards—Electric Vehicle Charging Transaction

Processing Procedures for details.

Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric

Vehicle Charging—Authorization Requests and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 2 MCC_40
010 0450633000 PURCHASE NO 5
0 01 1 N/A CVM 00 07 2 MSI_405 10
040
0 1 N/A DE 39 = 32 00
Preauthorization before electric vehicle charging; merchant terminal
optionally supports partial approvals; issuer provides partial approval
response; and completed transaction amount less than partial approval
amount
1 DE 4 (Amount, Transaction) = 000000003910 for simulator to send
appropriate response data
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 10000
indicating merchant terminal supports receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0110: DE 4 contains partial approval amount and DE 39 = 10 (Partial
approval)
0400: DE 39 = 32 (Partial reversal); DE 48, SE 63 (Trace ID); and DE 95, SF 1
(Actual Amount, Transaction) is best practice even if submitted into clearing
within 24 hours of authorization

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 357
 Dual Message Authorization
Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Authorization Requests and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 2 MCC_40
010 0450633000 PURCHASE NO 5
0 02 1 N/A CVM 00 07 2 MSI_405 00
040
0 1 N/A DE 39 = 32 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount less than approved request amount
2 DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0400: DE 39 = 32 (Partial reversal); DE 48, SE 63 (Trace ID); and DE 95, SF 1
(Actual Amount, Transaction) is best practice even if submitted into clearing
within 24 hours of authorization

ICC
CONTACTLESS
CAT LEVEL 2 MCC_40
010 0450633000 PURCHASE NO 5
0 03 1 N/A CVM 00 07 2 MSI_405 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount greater than approved request amount
DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
3 or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)

NOTE: Acquirer must send an additional (incremental) authorization request

for the unauthorized amount to obtain chargeback protection.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 358
 Dual Message Authorization
Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Authorization Requests and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 2 MCC_40
010 0450633000 PURCHASE NO 5
0 04 1 N/A CVM 00 07 2 MSI_405 00
Incremental authorization for electric vehicle charging request whose
4 completed transaction amount was greater than approved request amount
DE 4 (Amount, Transaction) for the incremental amount
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail); SE 61 (POS Data Extended Condition Codes) = 00001
indicating final authorization; and DE 48, SE 63 (Trace ID)
DE 61, SF 7 = 0 (Normal request)

ICC
CONTACTLESS
CAT LEVEL 1
010 0450633000 PURCHASE
0 11 1 N/A ONLINE PIN 00 07 1 V MSI_405 10
040
0 1 N/A DE 39 = 32 00
Preauthorization before electric vehicle charging; merchant terminal
optionally supports partial approvals; issuer provides partial approval
response; and completed transaction amount less than partial approval
amount
5 DE 4 (Amount, Transaction) = 000000003910 for simulator to send
appropriate response data
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 10000
indicating merchant terminal supports receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0110: DE 4 contains partial approval amount and DE 39 = 10 (Partial
approval)
0400: DE 39 = 32 (Partial reversal); DE 48, SE 63 (Trace ID); and DE 95, SF 1
(Actual Amount, Transaction) is best practice even if submitted into clearing
within 24 hours of authorization

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 359
 Dual Message Authorization
Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Authorization Requests and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 1
010 0450633000 PURCHASE
0 12 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
040
0 1 N/A DE 39 = 32 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount less than approved request amount
6 DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0400: DE 39 = 32 (Partial reversal); DE 48, SE 63 (Trace ID); and DE 95, SF 1
(Actual Amount, Transaction) is best practice even if submitted into clearing
within 24 hours of authorization

ICC
CONTACTLESS
CAT LEVEL 1
010 0450633000 PURCHASE
0 13 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount greater than approved request amount
DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
7 or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)

NOTE: Acquirer must send an additional (incremental) authorization request

for the unauthorized amount to obtain chargeback protection.

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 Dual Message Authorization
Table 0450633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Authorization Requests and Reversal Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 1
010 0450633000 PURCHASE
0 14 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
Incremental authorization for electric vehicle charging request whose
8 completed transaction amount was greater than approved request amount
DE 4 (Amount, Transaction) for the incremental amount
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail); SE 61 (POS Data Extended Condition Codes) = 00001
indicating final authorization; and DE 48, SE 63 (Trace ID)
DE 61, SF 7 = 0 (Normal request)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 361
 Dual Message Authorization
Table 0450641—Acquirer Credit and Debit—ICC Product and Services—Mastercard Biometric
Card Authentication—Authorization Requests and Advices

Table 0450641—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Biometric Card Authentication—Authorization Requests and Advices
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Account Status Inquiry
(ASI) and Purchase or Purchase with Cash Back Authorization Requests and
Advices for issuers of MasterCard Biometric Cards, and process the resulting
Authorization Responses containing when applicable DE 48, subelement 17
indicating successful biometric authentication.
These test cases for contact chip may also be executed as contactless M/Chip.
These test cases for Purchase may also be executed as Purchase with Cash Back.

Table 0450641—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Biometric Card Authentication—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_12
1
ICC ASI DMC_12
010 0450641000 PURCHASE 1
0 01 1 N/A OFFLINE PIN 00 05 0 MSI_121 00

1 ASI contact chip transaction successful authentication - transaction qualified

for Cardholder Authentication Service Type 1.
0100: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 present; DE
61, SF 7 = 8 (Account Status Inquiry); and DE 55 present.
0110: DE 48, SE 17 (Authentication Indicator) = 1 (Transaction qualified for
Authentication Service Type 1).

MCC_12
2
ICC ASI DMC_12
010 0450641000 PURCHASE 2
0 02 1 N/A OFFLINE PIN 00 05 0 MSI_122 00

2 ASI contact chip transaction successful authentication - transaction qualified

for Cardholder Authentication Service Type 2.
0100: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 may be
present; DE 61, SF 7 = 8 (Account Status Inquiry); and DE 55 present.
0110: DE 48, SE 17 (Authentication Indicator) = 2 (Transaction qualified for
Authentication Service Type 2).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 362
 Dual Message Authorization
Table 0450641—Acquirer Credit and Debit—ICC Product and Services—Mastercard Biometric
Card Authentication—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_12
1
ICC ASI DMC_12
012 0450641000 PURCHASE 1
0 03 1 N/A OFFLINE PIN 00 05 0 MSI_121 00
ASI contact chip transaction successful authentication - transaction qualified
3 for Cardholder Authentication Service Type 1.
0120: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 present; DE
61, SF 7 = 8 (Account Status Inquiry); DE 55 present, DE 39 = 00 (Approved);
and DE 60 = 192 (M/Chip Offline Advice to Issuer).
0130: DE 48, SE 17 (Authentication Indicator) = 1 (Transaction qualified for
Authentication Service Type 1).

MCC_12
2
ICC ASI DMC_12
012 0450641000 PURCHASE 2
0 04 1 N/A OFFLINE PIN 00 05 0 MSI_122 00
ASI contact chip transaction successful authentication - transaction qualified
4 for Cardholder Authentication Service Type 2.
0120: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 may be
present; DE 61, SF 7 = 8 (Account Status Inquiry); DE 55 present, DE 39 = 00
(Approved); and DE 60 = 192 (M/Chip Offline Advice to Issuer).
0130: DE 48, SE 17 (Authentication Indicator) = 2 (Transaction qualified for
Authentication Service Type 2).

MCC_12
1
ICC DMC_12
010 0450641000 PURCHASE 1
0 05 1 N/A OFFLINE PIN 00 05 0 MSI_121 00

5 Purchase contact chip transaction successful authentication - transaction

qualified for Cardholder Authentication Service Type 1.
0100: DE 3, SF 1 = 00 (Purchase); DE 4 transaction amount; DE 23 present; DE
61, SF 7 = 0 (Normal Request); and DE 55 present.
0110: DE 48, SE 17 (Authentication Indicator) = 1 (Transaction qualified for
Authentication Service Type 1).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 363
 Dual Message Authorization
Table 0450641—Acquirer Credit and Debit—ICC Product and Services—Mastercard Biometric
Card Authentication—Authorization Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_12
2
ICC DMC_12
010 0450641000 PURCHASE 2
0 06 1 N/A OFFLINE PIN 00 05 0 MSI_122 00

6 Purchase contact chip transaction successful authentication - transaction

qualified for Cardholder Authentication Service Type 2.
0100: DE 3, SF 1 = 00 (Purchase); DE 4 transaction amount; DE 23 may be
present; DE 61, SF 7 = 0 (Normal Request); and DE 55 present.
0110: DE 48, SE 17 (Authentication Indicator) = 2 (Transaction qualified for
Authentication Service Type 2).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 364
 Dual Message Authorization
Table 0450645—Acquirer Credit and Debit—ICC Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

Table 0450645—Acquirer Credit and Debit—ICC Product and Services—Automated

Fuel Dispenser—Authorization Requests and Advices and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted preauthorization
Authorization Request for Automated Fuel Dispenser transactions; receive the
resulting Authorization Response; and then send completion Authorization Advice
or, if applicable, Reversal Request message.

NOTE: Please see AN 3886—Revised Standards—Automated Fuel Dispenser Transaction

Processing Procedures for details and effective dates.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 365
 Dual Message Authorization
Table 0450645—Acquirer Credit and Debit—ICC Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

Table 0450645—Acquirer Credit and Debit—ICC Product and Services—Automated

Fuel Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
6
MCC_40
ICC OR ICC 6
CONTACTLESS DMC_10
PURCHASE 6
CAT LEVEL DMC_40
AND CVM OF 6
010 0450645000 CUSTOMER MSI_106
0 01 1 1 CHOICE 00 ** * * MSI_406 00
AFD dip or tap preauthorization approved and completion advice sent within
60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.

1 DE 18 = 5542 (Fuel Dispenser; Automated)

DE 22, SF 1 (PAN entry mode) = 05 (contact M/chip) or 07 (contactless M/
chip)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0120: DE 4 contains final AFD amount (pumped amount or all zeroes) and DE
39 = 00 (Approved)
0120: may contain optional DE 28 (Amount, Transaction Fee) for surcharge
amount also included in DE 4
0120: DE 48, SE 20 = S (Signature) or P (Online PIN)
0120: DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization
Transaction)
0130: DE 48, SE 15 (Authorization System Advice Date and Time)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 366
 Dual Message Authorization
Table 0450645—Acquirer Credit and Debit—ICC Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
6
MCC_40
ICC OR ICC 6
CONTACTLESS DMC_10
PURCHASE 6
CAT LEVEL DMC_40
AND CVM OF 6
010 0450645000 CUSTOMER MSI_106
0 02 1 1 CHOICE 00 ** * * MSI_406 10
012
0 1 1 DE 39 = 10 00
AFD dip or tap preauthorization partially approved and completion advice
sent within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
2
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 05 (contact M/chip) or 07 (contactless M/
chip)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator)
DE 61, SF 7 = 4 (Preauthorized Request)
0110: DE 4 contains partial approval amount; pump should stop if that
amount is reached
0120: DE 4 contains final AFD amount and DE 39 =10(Partial Approval)
0120: may contain optional DE 28 (Amount, Transaction Fee) for surcharge
amount also included in DE 4
0120: DE 48, SE 20 = S (Signature) or P (Online PIN)
0120: DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization
Transaction)
0130: DE 48, SE 15 (Authorization System Advice Date and Time)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 367
 Dual Message Authorization
Table 0450645—Acquirer Credit and Debit—ICC Product and Services—Automated Fuel
Dispenser—Authorization Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
6
MCC_40
ICC OR ICC 6
CONTACTLESS DMC_10
PURCHASE 6
CAT LEVEL DMC_40
AND CVM OF 6
010 0450645000 CUSTOMER MSI_106
0 03 1 1 CHOICE 00 ** * * MSI_406 00
040
0 1 1 DE 39 = 17 00
AFD dip or tap preauthorization approved and full reversal sent within 60
minutes due to cancelled purchase or no fuel pumped
DE 4 (Amount, Transaction) contains either an estimated amount
3 representing the terminal—s maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 05 (contact M/chip) or 07 (contactless M/
chip)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0400: DE 4 contains amount from preauthorization request
0400: DE 39 = 17 (Customer cancellation) or other applicable value
0400: DE 48, SE 63 (Trace ID) and DE 90 (Original Data Elements) must be
present
0400: DE 95 (Replacement Amounts) if present must contain all zeros to
indicate a full reversal

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 368
 Dual Message Authorization
Table 0450715—Acquirer Credit and Debit—ICC Product and Services—Transit Top-Up Payment
Transactions (India)— Authorization Requests

Table 0450715—Acquirer Credit and Debit—ICC Product and Services—Transit Top-

Up Payment Transactions (India)— Authorization Requests
The following test cases will test whether an acquirer Dual Message authorization
application can send India domestic POS retail transactions containing applicable
data in correctly formatted Authorization Requests and receive the resulting
Authorization Responses with issuer script and balance information.

Table 0450715—Acquirer Credit and Debit—ICC Product and Services—Transit Top-

Up Payment Transactions (India)— Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
010 0450715000 PURCHASE MCC_10
0 06 1 0 ONLINE PIN 00 05 0 V 4 00
POS retail purchase authorization request and response with EMV issuer
script to update the balance in the card after a card-not-present rePower
Load Payment transaction. Authorization request meets the contact M/Chip-
1 specific general acceptance criteria.
DE 55, tag 9F10 (Issuer Application Data) includes Accumulator 1 as balance
DE 55 contains other applicable ICC data
0110: DE 55 contains Issuer Authentication Data (tag 91) and Issuer Script
Template 1 (tag 71) for offline balance update

ICC
010 0450715000 PURCHASE MCC_10
0 07 1 0 ONLINE PIN 00 05 0 V 4 00
POS retail purchase authorization request and response with EMV issuer
script for blocking the application in the card after a card-not-present
rePower Load Payment transaction. Authorization request meets the contact
2 M/Chip-specific general acceptance criteria.
DE 55, tag 9F10 (Issuer Application Data) includes Accumulator 1 as balance
DE 55 contains other applicable ICC data
0110: DE 55 contains Application Block command in Issuer Script Template 1
(tag 71) for blocking the application

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 369
 Dual Message Authorization
Table 0450719—Acquirer Credit and Debit—ICC Product and Services—Single Tap and PIN
Request (Europe Region)—Authorization Requests

Table 0450719—Acquirer Credit and Debit—ICC Product and Services—Single Tap

and PIN Request (Europe Region)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application in Europe region can support single tap and PIN request
processing.

Table 0450719—Acquirer Credit and Debit—ICC Product and Services—Single Tap

and PIN Request (Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
010 0450719000 PURCHASE NO 5
0 01 1 N/A CVM 00 07 0 MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
1 acceptance criteria.
Low-value transaction with limits not reached
DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing)
0110: Issuer approves transaction DE 39 = 00 and monitoring system
increments counter or accumulator

ICC
CONTACTLESS MCC_40
010 0450719000 PURCHASE NO 5
0 02 1 N/A CVM 00 07 0 MSI_405 65
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Low-value transaction with limits reached

2 NOTE: To receive the appropriate response the user must Enable this test case
in the Simulator prior to executing the transaction then Disable it after. This
can be done Right Clicking on the test case in the Test Monitor screen and
selecting Enable or Disable.

DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing)

0110: Issuer requests PIN authentication using DE 39 = 65 and DE 48, SE 22,
SF 04 = 1 (Issuer requests PIN in Single Tap mode) due to monitoring system
indicating limits reached for counter or accumulator

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 370
 Dual Message Authorization
Table 0450719—Acquirer Credit and Debit—ICC Product and Services—Single Tap and PIN
Request (Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
010 0450719000 PURCHASE 5
0 03 1 N/A ONLINE PIN 00 07 0 V MSI_405 00
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.

3 Low-value transaction authentication request containing online PIN and

updated values in DE 11 and DE 37 for issuer requested single tap processing
DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing)
DE 48, SE 22, SF 03 = 1 (Transaction contains an intentionally-duplicated
[replayed] ATC value)
0110: Issuer approves transaction DE 39 = 00 and monitoring system resets
counter or accumulator

ICC
CONTACTLESS MCC_40
010 0450719000 PURCHASE NO 5
0 04 1 N/A CVM 00 07 0 MSI_405 65
Authorization Request meets the contactless M/Chip-specific general
acceptance criteria.
Low-value transaction with limits reached and issuer does not want single tap
processing
4
NOTE: To receive the appropriate response the user must Enable this test case
in the Simulator prior to executing the transaction then Disable it after. This
can be done Right Clicking on the test case in the Test Monitor screen and
selecting Enable or Disable.

DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing)

0110: Issuer decline DE 39 = 65 and terminal to prompt cardholder to perform
a contact card transaction; DE 48, SE 22, SF 04 is not present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 371
 Dual Message Authorization
Table 0450719—Acquirer Credit and Debit—ICC Product and Services—Single Tap and PIN
Request (Europe Region)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC MCC_40
010 0450719000 PURCHASE 5
0 05 1 N/A ONLINE PIN 00 05 0 V MSI_405 00
Authorization Request meets the M/Chip-specific general acceptance criteria.
Terminal prompts cardholder to insert chip card and enter online PIN for this
5 Low-value transaction that exceeded counter or accumulator and was
declined by issuer with DE 39 = 65 indicating issuer did not want single tap
processing
DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing)
0110: Issuer approves transaction DE 39 = 00 and monitoring system resets
counter or accumulator

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 372
 Dual Message Authorization
Table 0450811—Acquirer Credit and Debit—ICC Product and Services—Digital Secure Remote
Payment—Authorization Requests

Table 0450811—Acquirer Credit and Debit—ICC Product and Services—Digital

Secure Remote Payment—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted remote payments initiated
from Mobile contactless application of mobile device in Authorization Requests
and process the resulting Authorization Responses.

Table 0450811—Acquirer Credit and Debit—ICC Product and Services—Digital

Secure Remote Payment—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
ELECTRONIC
COMMERCE MCC_42
010 0450811000 PURCHASE NO 0
0 02 1 N/A CVM 00 09 6 MSI_420 00
Purchase with device token via M/Chip remote transaction on or off premises
of card acceptor facility, and issuer participates in Mastercard Digital
Enablement Service.
DE 4 = 000000005633 to obtain appropriate data in response message.
DE 23 (Card Sequence Number) and DE 55 ICC System-Related Data) are all
present
1 DE 61, SF 3 (POS Terminal Location) = 2 (Off premises of card acceptor
facility [cardholder terminal including home PC, mobile phone, PDA]) or = 4
(On premises of card acceptor facility [cardholder terminal including home PC,
mobile phone, PDA]).
DE 61, SF 4 (POS Cardholder Presence) = 5 (Electronic order [home PC,
Internet, mobile phone, PDA])
DE 48, SE 33, SF 6 (Token Requestor ID) optionally provided from merchant.
0110: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN); SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 373
 Dual Message Authorization
Table 0450811—Acquirer Credit and Debit—ICC Product and Services—Digital Secure Remote
Payment—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
ELECTRONIC
COMMERCE MCC_40
010 0450811000 PURCHASE NO 6
0 11 1 N/A CVM 00 09 6 MSI_406 05
Purchase with device token via M/Chip remote transaction on premises of
card acceptor facility that failed ATC validation due to ATC outside allowed
range, and issuer participates in Mastercard Digital Enablement Service.
DE 4 = 00000055633 to obtain appropriate data in response message.
DE 18 must contain 0780 to trigger DE 39 = 05 and DE 48, SE 74 = 50A in
0110 message.
DE 23 (Card Sequence Number) and DE 55 ICC System-Related Data) are all
2 present
DE 61, SF 3 (POS Terminal Location) = 4 (On premises of card acceptor
facility [cardholder terminal including home PC, mobile phone, PDA]).
DE 61, SF 4 (POS Cardholder Presence) = 5 (Electronic order [home PC,
Internet, mobile phone, PDA])
DE 48, SE 33, SF 6 (Token Requestor ID) optionally provided from merchant.
0110: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN); SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 74 = 50A (Valid AC; ATC outside allowed range).
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 374
 Dual Message Authorization
Table 0450811—Acquirer Credit and Debit—ICC Product and Services—Digital Secure Remote
Payment—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
ELECTRONIC
COMMERCE MCC_40
010 0450811000 PURCHASE NO 6
0 12 1 N/A CVM 00 09 6 MSI_406 05
Purchase with device token via M/Chip remote transaction on premises of
card acceptor facility that failed ATC validation due to ATC replay, and issuer
participates in Mastercard Digital Enablement Service.
DE 4 = 000000065633 to obtain appropriate data in response message.
DE 18 must contain 1520 to trigger DE 39 = 05 and DE 48, SE 74 = 50E in
0110 message.
DE 23 (Card Sequence Number) and DE 55 ICC System-Related Data) are all
3 present
DE 61, SF 3 (POS Terminal Location) = 4 (On premises of card acceptor
facility [cardholder terminal including home PC, mobile phone, PDA]).
DE 61, SF 4 (POS Cardholder Presence) = 5 (Electronic order [home PC,
Internet, mobile phone, PDA])
DE 48, SE 33, SF 6 (Token Requestor ID) optionally provided from merchant.
0110: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN); SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 74 = 50E (Valid AC; ATC replay).
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 375
 Dual Message Authorization
Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By Account—
Authorization Requests and Reversals

Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By

Account—Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message
authorization application that is participating in the Mastercard Pay by Account
program can submit tokenized transactions in Authorization messages, receive
applicable data in Authorization responses, and perform the appropriate
subsequent processing clearing and/or settlement.

Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By

Account—Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450890000 PURCHASE
0 01 1 N/A CDCVM 00 07 0 ACS_550 00
In-store purchase tokenized transaction for Real-Time Payments Settlement
Model was approved
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000086256 to obtain appropriate data in
response message
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet ID) present when
received from merchant
1 DE 48, SE 61, SF 5 = 1 (Final Authorization)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = Y (Merchant account used for settlement via a real-time
payment network), SF 2 (Type of Transaction) = D (Intracountry/Domestic
real-time payment settlement transaction), SF 3 (Real-Time Payment Rules) =
PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment Settlement
Network ID and Name) = 01 (On-us Payment), SF 5 (Real-Time Payment
Funds Transfer Position) = 01 (Funds transferred to Acquiring Institution or
merchant), and SF 6 (DSS Reference Number) not present
0110: DE 56 (Payment Account Data)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 376
 Dual Message Authorization
Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450890000 PURCHASE
0 02 1 N/A CDCVM 00 07 0 ACS_550 00
040
0 1 N/A DE 39 = 32 00
In-store purchase tokenized transaction for Real-Time Payments Settlement
Model was approved and partially reversed
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000056256
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet ID) present when
received from merchant
DE 48, SE 61, SF 5 = 1 (Final Authorization)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
2 (PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = Y (Merchant account used for settlement via a real-time
payment network), SF 2 (Type of Transaction) = D (Intracountry/Domestic
real-time payment settlement transaction), SF 3 (Real-Time Payment Rules) =
PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment Settlement
Network ID and Name) = 06 (Real-time Payment), SF 5 (Real-Time Payment
Funds Transfer Position) = 01 (Funds transferred to Acquiring Institution or
merchant), and SF 6 (DSS Reference Number) is present
0110: DE 56 (Payment Account Data)
0400: Partial reversal DE 39 (Response Code) = 32 (Partial reversal) and DE
95, SF 1 contains completed amount of customer choice

NOTE: Receive debit via GCMS Fee Collection/1740 message for authorization
reversal.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 377
 Dual Message Authorization
Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450890000 PURCHASE
0 03 1 N/A CDCVM 00 07 0 ACS_550 10
In-store purchase tokenized transaction for Real-Time Payments Settlement
Model was partially approved and followed by a refund
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000066256 to obtain appropriate data in
response message
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet ID) present when
received from merchant
DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial
approvals) and SF 5 = 1 (Final Authorization)
3
0110: DE 4 = 000000006256 for partial approved amount and DE 54 amount
type 57 contains original amount
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = N (Acquiring Institution account used for settlement via a
real-time payment network), SF 2 (Type of Transaction) = D (Intracountry/
Domestic real-time payment settlement transaction), SF 3 (Real-Time
Payment Rules) = PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment
Settlement Network ID and Name) = 01 (On-us Payment), SF 5 (Real-Time
Payment Funds Transfer Position) = 01 (Funds transferred to Acquiring
Institution or merchant), and SF 6 (DSS Reference Number) not present
0110: DE 56 (Payment Account Data)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 378
 Dual Message Authorization
Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
010 0450890000 REFUND
0 04 1 N/A CDCVM 20 07 0 ACS_550 00
In-store refund tokenized transaction for Real-Time Payments Settlement
Model was approved
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
response message
4
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet ID) present when
received from merchant
DE 48, SE 61, SF 5 = 1 (Final Authorization) and SE 63 (Trace ID) are present
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information) not present for refund
transaction
0110: DE 56 (Payment Account Data)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 379
 Dual Message Authorization
Table 0450890—Acquirer Credit and Debit—ICC Product and Services—Pay By Account—
Authorization Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
PURCHASE
WITH
010 0450890000 CASHBACK
0 05 1 N/A CDCVM 09 07 0 ACS_550 00
In-store purchase with cash back (if allowed) tokenized transaction for Real-
Time Payments Settlement Model was approved
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000076256 to obtain appropriate data in
response message
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet ID) present when
received from merchant

5 DE 48, SE 61, SF 5 = 1 (Final Authorization)

DE 54, SF 2 (Amount Type) = 40 (Amount Cash Back) and SF 4 (Amount) less
than DE 4
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = N (Acquiring Institution account used for settlement via a
real-time payment network), SF 2 (Type of Transaction) = D (Intracountry/
Domestic real-time payment settlement transaction), SF 3 (Real-Time
Payment Rules) = PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment
Settlement Network ID and Name) = 06 (Real-time Payment), SF 5 (Real-Time
Payment Funds Transfer Position) = 01 (Funds transferred to Acquiring
Institution or merchant), and SF 6 (DSS Reference Number) is present
0110: DE 56 (Payment Account Data)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 380
 Dual Message Authorization
Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card Service (Brazil)
—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
PURCHASE
WITH
010 0450890000 CASHBACK
0 06 1 N/A CDCVM 09 07 0 ACS_550 00
In-store purchase with cash back only (if allowed) tokenized transaction for
Real-Time Payments Settlement Model was approved
DE 2 (PAN) MDES cloud-based token
DE 4 (Amount, Transaction) = 000000086256 to obtain appropriate data in
response message
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet ID) present when
received from merchant

6 DE 48, SE 61, SF 5 = 1 (Final Authorization)

DE 54, SF 2 (Amount Type) = 40 (Amount Cash Back) and SF 4 (Amount)
equal to DE 4
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID),
and SF 8 (Storage Technology)
0110: DE 48, SE 62 (Real-Time Payment Information); SF 1 (Merchant Direct
Participation) = Y (Merchant account used for settlement via a real-time
payment network), SF 2 (Type of Transaction) = D (Intracountry/Domestic
real-time payment settlement transaction), SF 3 (Real-Time Payment Rules) =
PBA (Mastercard Pay by Account), SF 4 (Real-Time Payment Settlement
Network ID and Name) = 01 (On-us Payment), SF 5 (Real-Time Payment
Funds Transfer Position) = 01 (Funds transferred to Acquiring Institution or
merchant), and SF 6 (DSS Reference Number) not present
0110: DE 56 (Payment Account Data)

Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card

Service (Brazil)—Authorization Requests
The following test cases will test whether an acquirer's Dual Message
authorization application for a Brazil issuer registered for the Flex Card Service
can define routing to a Credit or Debit processor via setting value in DE 48, SE 14
or for a chip transaction setting value in DE 23 position two.

NOTE: Test cases 1-4 are Brazil domestic and 5-9 are global acquired cross border
transactions.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 381
 Dual Message Authorization
Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card Service (Brazil)
—Authorization Requests

NOTE: Simulator may generate Validation Warning: Intermessage Validation Failure for
Field 063.01 that can be ignored.

Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card

Service (Brazil)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
010 0450903000 CUSTOMER MCC_53
0 01 1 0 CHOICE ** ** * * 6 **
Brazil domestic transaction with debit Account Type Indicator provided by
Acquirer
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
1 Account)
DE 4 (Amount, Transaction) = 000000003151 to obtain specified 0110
response data
DE 48, SE 14 (Account Type Indicator) = D (Debit)
0110: DE 48, SE 14 value D returned in response
0110: DE 63, SF 1 (Financial Network Code) contains Debit Mastercard
product code

BUSINESS
TRANSACTION
AND CVM OF
010 0450903000 CUSTOMER MCC_53
0 02 1 0 CHOICE ** ** * * 6 **
Brazil domestic transaction with credit Account Type Indicator provided by
Acquirer
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
2 (Checking Account)
DE 4 (Amount, Transaction) = 000000003152 to obtain specified 0110
response data
DE 48, SE 14 (Account Type Indicator) = C (Credit)
0110: DE 48, SE 14 value C returned in response
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 382
 Dual Message Authorization
Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card Service (Brazil)
—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
010 0450903000 CUSTOMER MCC_53
0 03 1 0 CHOICE ** ** * * 6 **
Brazil domestic transaction with debit processor routing determined by
Mastercard
3
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
Account)
DE 4 (Amount, Transaction) = 000000003153 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Debit Mastercard
product code

BUSINESS
TRANSACTION
AND CVM OF
010 0450903000 CUSTOMER MCC_53
0 04 1 0 CHOICE ** ** * * 6 **
Brazil domestic transaction with credit processor routing determined by
Mastercard
4
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
(Checking Account)
DE 4 (Amount, Transaction) = 000000003154 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

POS BUSINESS
TRANSACTION
AND CVM OF
010 0450903000 CUSTOMER MCC_53
0 05 1 0 CHOICE ** ** * * 6 **
Cross-border (global acquirer and Brazil Flex Card issuer) transaction with
5 debit processor routing determined by Mastercard
DE 4 (Amount, Transaction) = 000000003153 to obtain specified 0110
response data
DE 23 (Card Sequence Number) second digit is in range of 5-9
0110: DE 63, SF 1 (Financial Network Code) contains Debit Mastercardt
product code

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 383
 Dual Message Authorization
Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card Service (Brazil)
—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
010 0450903000 CUSTOMER MCC_53
0 12 1 0 CHOICE ** ** * * 6 **
Cross-border (global acquirer and Brazil Flex Card issuer) transaction with
6 credit processor routing determined by Mastercard
DE 4 (Amount, Transaction) = 000000003154 to obtain specified 0110
response data
DE 23 (Card Sequence Number) second digit is in range of 0-4
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

POS BUSINESS
TRANSACTION
AND CVM OF
010 0450903000 CUSTOMER MCC_53
0 13 1 0 CHOICE ** ** * * 6 **
Cross-border (global acquirer and Brazil Flex Card issuer) transaction with
7 credit processor routing determined by Mastercard
DE 4 (Amount, Transaction) = 000000003154 to obtain specified 0110
response data
DE 23 (Card Sequence Number) is not present
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

ATM BUSINESS
TRANSACTION
OF CUSTOMER
010 0450903000 CHOICE MCC_53
0 21 1 0 ONLINE PIN ** ** 1 V 6 **
Cross-border (global acquirer and Brazil Flex Card issuer) transaction with
debit processor routing determined by Mastercard
8
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
Account)
DE 4 (Amount, Transaction) = 000000004000 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Debit Mastercard
product code

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 384
 Dual Message Authorization
Table 0450903—Acquirer Credit and Debit—ICC Product and Services—Flex Card Service (Brazil)
—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM BUSINESS
TRANSACTION
OF CUSTOMER
010 0450903000 CHOICE MCC_53
0 22 1 0 ONLINE PIN ** ** 1 V 6 **
Cross-border (global acquirer and Brazil Flex Card issuer) transaction with
credit processor routing determined by Mastercard
9
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
(Checking Account)
DE 4 (Amount, Transaction) = 000000006000 to obtain specified 0110
response data
0110: DE 63, SF 1 (Financial Network Code) contains Mastercard credit
product code

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 385
 Dual Message Authorization
Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic

Processing (Colombia)—Authorization Requests
The following test cases will test whether an acquirer Dual Message authorization
application can send various types of Colombia domestic transactions containing
applicable data in correctly formatted Authorization Requests, Advice, and
Reversal messages and receive the resulting Authorization Responses. Tip and tax
values may be any desired amount. DE48 sub95, DE112 SE010 and 011 are
required for MC Credit products and are optional for MC Debit. DE124 is required
for all POS domestic messages.

Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic

Processing (Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
PURCHASE 3
CVM OF DMC_40
010 0451550000 CUSTOMER 6
0 01 1 1 CHOICE 00 07 0 * MSI_405 00
1
Restaurant transaction with gratuity, 1 installment.
DE 54 present with amount type 44 (Amount Gratuity). DE 48 sub 95 and DE
112 may be present.
DE 124 present containing Colombia domestic transaction information.

ICC
CONTACTLESS MCC_40
PURCHASE 3
CVM OF DMC_40
010 0451550000 CUSTOMER 6
0 02 1 1 CHOICE 00 07 0 * MSI_405 00
040
2 0 1 1 DE 39 = 17 00
Purchase transaction followed by customer cancellation full amount reversal
transaction.
DE 48, SE 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.
0400: DE 124 present including SF 10 (Original Transaction Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 386
 Dual Message Authorization
Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
CASH 3
ADVANCE CVM DMC_40
010 0451550000 OF CUSTOMER 6
3 0 03 1 1 CHOICE 17 07 0 MSI_405 05
Cash Advance transaction.
DE 48, SE 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.

ICC
CONTACTLESS
PURCHASE MCC_40
WITH CASH 3
BACK CVM OF DMC_40
4 010 0451550000 CUSTOMER 6
0 04 1 1 CHOICE 09 07 0 * MSI_405 00
Purchase with Cash Back transaction.
DE 48 sub 95 and DE 112 may be present. DE 124 present containing
Colombia domestic transaction information.

ICC
CONTACTLESS MCC_40
PURCHASE 3
CVM OF DMC_40
010 0451550000 CUSTOMER 6
5 0 05 1 1 CHOICE 00 07 0 * MSI_405 00
Purchase transaction for twelve installments using Mastercard Assigned ID.
0100: DE 48, SE 95 = COLCTA; DE 112, SE 010 = 12 and SE 011 (Customer ID)
= 12345678901 (test value); and DE 124 present containing Colombia
domestic transaction information.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 387
 Dual Message Authorization
Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 9 MCC_40
PURCHASE 3
CVM OF DMC_40
010 0451550000 CUSTOMER 6
6 0 06 1 1 CHOICE 00 07 9 * MSI_405 00
Purchase transaction for 2 installments.
0100: DE 48, SE 95 = COLCTA; DE 112, SE 010 = 02 and SE 011 (Customer ID)
= 12345678901 (test value); and DE 124 present containing Colombia
domestic transaction information. DE 61, SF 10 = 9 (mPOS Acceptance
Device).

ICC
CONTACTLESS MCC_40
PURCHASE 3
CVM OR DMC_40
010 0451550000 CUSTOMER 6
0 07 1 1 CHOICE 00 07 0 * MSI_405 00
7
Billing payment transaction.
DE 112, SE 011 (Customer ID) = 12345678901 (test value) and DE 124
present containing Colombia domestic transaction information including SF 6
(Original Processing Code) = 350000 (Billing payment) and SF 7 (Bill
Payment/Top Up Data).

ICC
CONTACTLESS MCC_40
PURCHASE 3
CVM OF DMC_40
010 0451550000 CUSTOMER 6
0 08 1 1 CHOICE 00 07 0 * MSI_405 00
8
Cellular phone top up transaction.
0100: DE 112, SE 011 (Customer ID) = 12345678901 (test value) and DE 124
present containing Colombia domestic transaction information including SF 6
(Original Processing Code) = 380000 (Cellular phone top up) and SF 7 (Bill
Payment/Top Up Data).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 388
 Dual Message Authorization
Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC MCC_40
CONTACTLESS 3
PAYMENT CVM DMC_40
010 0451550000 OF CUSTOMER 6
9 0 09 1 1 CHOICE 28 07 0 * MSI_405 00
Payment transaction.
DE 48 TCC as P and SE 77 = CXX depending of supported payment
capabilities.

MCC_40
ICC 3
CONTACTLESS DMC_40
010 0451550000 ACIERTA 6
0 10 1 1 PURCHASE 00 07 0 MSI_405 51

10 Acierta purchase transaction.

0100: DE 4 must be sent as 525000 COP to receive expected response, DE 112
with installments, DE 48, SE 95 as COLCTA and DE124 present.
0110: DE 39 = 51 (Insufficient funds).
0120: DE 39 = 00 (Approved), DE38 = ACXXXX, DE60 = 190 or 191.

ICC
CONTACTLESS
PURCHASE MCC_40
SIGNATURE 3
CVM OF DMC_40
010 0451550000 CUSTOMER 6
11 0 11 1 1 CHOICE 00 07 0 * MSI_405 00
Purchase transaction with issuer promotional reimbursement.
0100: DE 48, SE 95 = COLCTA; DE 112, SE 010 present and SE 011 (Customer
ID) = 12345678901 (test value); and DE 124 present containing Colombia
domestic transaction information.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 389
 Dual Message Authorization
Table 0451550—Acquirer Credit and Debit—ICC Product and Services—Domestic Processing
(Colombia)—Authorization Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
PURCHASE 3
CVM OF DMC_40
010 0451550000 CUSTOMER 6
0 12 1 1 CHOICE 00 07 0 * MSI_405 00
12
Purchase transaction.
DE 43, SF 1 with 3 character abbreviated Payment Facilitator name followed
by asterisk in position 4, 8 or 13 followed by Sub-merchant name.
DE 48, SE 37, SF 1 = Payment Facilitator ID, SF 2 = Independent Sales
Organization ID and SF 3 = Sub-merchant ID.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 390
 Dual Message Clearing

Chapter 2 Dual Message Clearing

This chapter describes the test cases for conducting individual application testing and
validation of a customer's Dual Message clearing application.

Introduction.................................................................................................................................... 395
TRIC Table Notations...............................................................................................................396
Test Cases—Magnetic Stripe-based Operations....................................................................397
Customer-generated File........................................................................................................397
Base Testing...............................................................................................................................398
Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated
File—8-Digit BIN Standard and Account Range Specifications................................ 399
Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (ATM)............................................................................. 401
Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (POS-CP)...................................................................... 403
Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (CNP)............................................................................. 407
Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Interchange Rate Programs.....................................................................................410
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Financial Detail Addendum......................................................................................413
Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Service Provider and Merchant Identification..................................................... 420
Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Global Brand Compliance.........................................................................................422
Products and Services............................................................................................................. 423
Table 1410111—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Funding or Funding Refund Transactions..................... 426
Table 1410112—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—MoneySend Payment Transactions................................430
Table 1410121—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Dynamic Currency Conversion........................................ 433
Table 1410411—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment Payment Service (Global).......................... 434
Table 1410415—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mastercard rePower Load Value Payment
Transaction............................................................................................................................435
Table 1410417—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transaction Integrity Classification (U.S. Region)...... 436

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 Dual Message Clearing

Table 1410424—Acquirer Credit and Debit—MSR Product and Services—

Customer-generated File—Multi-Clearing..................................................................... 442
Table 1410451—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Private Label Processing.................................................. 443
Table 1410471—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Real-time Substantiation (U.S. Region)........................444
Table 1410481—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (Europe Region)............. 446
Table 1410491—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Enhanced
Value and/or Product Graduation).................................................................................. 447
Table 1410492—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region World
High Value and Product Graduation................................................................................449
Table 1410493—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Spend
Shortfall and Product Graduation)................................................................................. 450
Table 1410494—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Small
Business Spend and Product Graduation)..................................................................... 452
Table 1410499—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (Canada Region)............455
Table 1410501—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment and Non-installment Payment
Transactions (Brazil)........................................................................................................... 460
Table 1410508—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment Payment Service (Philippines)...................462
Table 1410515—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Japan)..........................................464
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Paraguay)................................... 465
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Paraguay)................................... 474
Table 1410550—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Colombia)................................... 482
Table 1410560—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Chile)............................................ 486
Table 1410601—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Contactless Magnetic Stripe (All Business
Transactions)........................................................................................................................ 491
Table 1410620—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Fleet Cards.......................................................................... 493

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 Dual Message Clearing

Table 1410621—Acquirer Credit and Debit—MSR Product and Services—

Customer-generated File—Transit Program (Prefunded Model).............................. 494
Table 1410622—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Real-Time Authorized Model)..........495
Table 1410623—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Model).....................................................................................................................................497
Table 1410624—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Authorized Aggregated Split
Clearing Model)....................................................................................................................499
Table 1410626—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Maestro Model).................................................................................................................... 501
Table 1410806—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mastercard Identity Check...............................................503
Table 1410824—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mobile Remote Payments Program............................... 504
Table 1410829—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Click to Pay..........................................................................506
Table 1410833—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—MDES Device Tokens in DSRP, Identity Check, and
Click to Pay............................................................................................................................507
Table 1410903—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Flex Card Service (Brazil)................................................. 507
Table 1413535—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Merchant Presented QR Payment Refund
Transactions..........................................................................................................................509
File Generated by Mastercard............................................................................................... 509
Base Testing...............................................................................................................................510
Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by
Mastercard—All Business Transactions...........................................................................511
Products and Services............................................................................................................. 512
Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File
Generated by Mastercard—Merchant Presented QR Payment Transactions........ 515
Table 1420890—Acquirer Credit and Debit—MSR Product and Services—File
Generated by Mastercard—Pay By Account.................................................................. 518
Test Cases—ICC-based Operations...........................................................................................518
Customer-generated File........................................................................................................518
Base Testing...............................................................................................................................519
Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated
File—All Business Transactions (ATM)............................................................................. 520

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 Dual Message Clearing

Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated

File—All Business Transactions (POS-CP)...................................................................... 521
Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—
Customer-generated File—Global Brand Compliance................................................ 524
Products and Services............................................................................................................. 525
Table 1430316—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Mastercard Cardless ATM Program...............................526
Table 1430417—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transaction Integrity Class (U.S. Region)..................... 527
Table 1430601—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Contactless M/Chip (All Business Transactions)........ 529
Table 1430621—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Prefunded Model).............................. 531
Table 1430622—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Real-Time Authorized Model)..........532
Table 1430623—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Model).....................................................................................................................................534
Table 1430624—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Authorized Aggregated Split
Clearing Model)....................................................................................................................539
Table 1430626—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Maestro Model).................................................................................................................... 541
Table 1430715—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Top-Up Payment Transactions (India)............. 542
Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-Debit—
ICC Product and Services—Customer-generated File—Flex Card Service
(Brazil)....................................................................................................................................543
File Generated by Mastercard............................................................................................... 546
Base Testing...............................................................................................................................546
Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by
Mastercard—All Business Transactions...........................................................................547

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 394
 Dual Message Clearing
Introduction

Introduction
This section contains details about the test cases applicable to the Acquirer Credit
and Debit business profile during individual application testing and validation of a
customer's acquirer Dual Message clearing application.
This profile is applicable to the following products:
• Mastercard®
• Debit Mastercard®
• Maestro®
• Cirrus®
• Global Brand Compliance

NOTE:
The Global Brand Compliance Program is mandated for acquirers outside the U.S. Region to
submit On-Us or intra-processor clearing activity to the Mastercard Processing Center
(Central Site).

Separate test cases are provided for magnetic stripe-based operations and for
upgrading to integrated circuit card (ICC)-based operations. Depending on the
nature of a customer's proposed operations, test cases must be selected as
follows:
• For customers undergoing testing and validation for magnetic stripe-based
operations only, only those test cases described in the Test Cases—Magnetic
Stripe-based Operations section must be conducted.
• For customers undergoing testing and validation for both magnetic stripe-
based operations and ICC-based operations, the test cases described in both
the Test Cases—Magnetic Stripe-based Operations section and in the Test
Cases—ICC-based Operations section must be conducted.
• For customers that have been validated for magnetic stripe-based operations
and are now undergoing upgrade testing and validation to additionally conduct
ICC-based operations, only those test cases provided in the Test Cases—ICC-
based Operations section must be conducted.
Within the Test Cases—Magnetic Stripe-based Operations and the Test Cases—
ICC-based Operations sections, test cases are described for both standard
operations and contactless operations. Depending on the nature of customers
proposed operations, test cases must be selected as follows:
• For customers undergoing testing and validation for contact operations only,
only those test cases described for contact operations must be conducted.

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 Dual Message Clearing
TRIC Table Notations

• For customers undergoing testing and validation for both contact operations
and contactless operations, the test cases described for both contact
operations and contactless operations must be conducted.
• For customers that have been validated for contact operations and are now
undergoing upgrade testing and validation to additionally conduct contactless
operations, only those test cases described for contactless operations must be
conducted.

NOTE:
If customers intend to support contactless magnetic stripe-based operations, they must
have previously been validated for contact magnetic stripe-based operations. If customers
intend to support contactless ICC-based operations, they must previously have been
validated for upgrade to contact ICC-based operations.

Within the Test Cases—Magnetic Stripe-based Operations and the Test Cases—
ICC-based Operations sections, test cases are described for Global Brand
Compliance for both contact operations and contactless operations.
The following manuals in the Testing Reference Information Center (TRIC)
document set provide references to these test cases, indicating when they should
be conducted:
• Offline Validation
• Online Validation
• TRIC Table Notations

TRIC Table Notations

This table defines notations that appear in tables throughout this chapter.

TRIC Table Notations

Notation Definition
M Indicates a Mandatory business transaction.

C Indicates a Conditional business transaction.

n/a Indicates Not Applicable.

x For addenda messages, indicates No Information.

1 Indicates the number of messages to be provided.

0 Indicates the number of messages to be provided.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 396
 Dual Message Clearing
Test Cases—Magnetic Stripe-based Operations

Test Cases—Magnetic Stripe-based Operations

The test cases listed in this section are applicable to magnetic stripe-based
operations only. Select the appropriate business transactions from the following
tables and conduct the associated test cases.
• Customer-generated File
• Base Testing
• Products and Services
• File Generated by Mastercard

Customer-generated File
The following test cases will test whether a customer’s acquirer Dual Message
clearing application can build and send a valid customer-generated file that
contains correctly formatted clearing messages.
Customers must take into account the following points when building a customer-
generated file:
• If customers acquire in multiple transaction currencies, the file must contain at
least one example of each of those currencies.
• If customers acquire through the use of multiple Customer IDs, the file must
contain at least one example of each of those Customer IDs.
• The file must contain examples of messages destined to at least three different
issuer Customer IDs.
• While the above points must be taken into account, a customer-generated file
must still consist of the same message types and number of messages that are
indicated in the test case table.

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 Dual Message Clearing
Base Testing

Base Testing
The test cases in this section are described below.
• Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated
File—8-Digit BIN Standard and Account Range Specifications
• Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (ATM)
• Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (POS-CP)
• Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (CNP)
• Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Interchange Rate Programs
• Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Financial Detail Addendum
• Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Service Provider and Merchant Identification
• Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Global Brand Compliance
• Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by
Mastercard—All Business Transactions
• Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (ATM)
• Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (POS-CP)
• Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—Customer-
generated File—Global Brand Compliance
• Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by
Mastercard—All Business Transactions

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 Dual Message Clearing
Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated File—8-Digit BIN
Standard and Account Range Specifications

Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated File—

8-Digit BIN Standard and Account Range Specifications
The following test cases will test whether an acquirer's Dual Message clearing
application can successfully submit First Presentment/1240 messages for test
accounts within 11-digit account ranges that have been segmented within an 8-
digit BIN.
The criteria for success is acceptance of the transaction by GCMS for the
submitted business service level and brand/product.

NOTE: The Mastercard provided test 11-digit account ranges that have been segmented
within an 8-digit BIN are a representative mix of issuers, countries, currencies, brand/
products, consumer/commercial product types, and credit/debit/prepaid product
categories.

Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated File—

8-Digit BIN Standard and Account Range Specifications

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14100000 1 1 M MSR OR CNP BUSINESS TRANSACTION AND

0001 CVM OF CUSTOMER CHOICE

Submit variety of transactions for any Interregional interchange program

applicable for 11-digit account ranges that have been segmented within an 8-digit
BIN
Include any required Financial Detail Addendum/1644 messages for the submitted
Interchange Rate Designator (IRD)

2 14100000 1 1 M MSR OR CNP BUSINESS TRANSACTION AND

0002 CVM OF CUSTOMER CHOICE

Submit variety of transactions for any Intraregional interchange program

applicable for 11-digit account ranges that have been segmented within an 8-digit
BIN
Include any required Financial Detail Addendum/1644 messages for the submitted
Interchange Rate Designator (IRD)

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 Dual Message Clearing
Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated File—8-Digit BIN
Standard and Account Range Specifications

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14100000 1 1 M MSR OR CNP BUSINESS TRANSACTION AND
0003 CVM OF CUSTOMER CHOICE

Submit variety of transactions for any Intercountry interchange program

applicable for 11-digit account ranges that have been segmented within an 8-digit
BIN
Include any required Financial Detail Addendum/1644 messages for the submitted
Interchange Rate Designator (IRD)

4 14100000 1 1 M MSR OR CNP BUSINESS TRANSACTION AND

0004 CVM OF CUSTOMER CHOICE

Submit variety of transactions for any Intracountry interchange program

applicable for 11-digit account ranges that have been segmented within an 8-digit
BIN
Include any required Financial Detail Addendum/1644 messages for the submitted
Interchange Rate Designator (IRD)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 400
 Dual Message Clearing
Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (ATM)

Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated File—

All Business Transactions (ATM)
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file that
contains correctly formatted clearing messages for various ATM business
transactions and messages types/functions.

Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated File—

All Business Transactions (ATM)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14100010 1 1 M MASTERCARD MSR ATM WITHDRAWAL ONLINE

0001 PIN

2 14100010 1 1 M DEBIT MASTERCARD MSR ATM WITHDRAWAL

0002 ONLINE PIN

3 14100010 1 1 M MAESTRO MSR ATM WITHDRAWAL ONLINE PIN

0003

4 14100010 1 1 M CIRRUS MSR ATM WITHDRAWAL ONLINE PIN

0004

5 14100010 1 1 C MAESTRO MSR ELECTRONIC CASH ADVANCE

0005 ONLINE PIN

6 14100010 1 1 C CIRRUS MSR ELECTRONIC CASH ADVANCE

0006 ONLINE PIN

7 14100010 1 1 C MAESTRO MSR ATM PURCHASE ONLINE PIN

0007

8 14100010 1 1 C CIRRUS MSR ATM PURCHASE ONLINE PIN

0008

Presentment/1240 - Reversal of First Presentment

9 14100010 1 1 M MSR ATM BUSINESS TRANSACTION OF

0009 CUSTOMER CHOICE

Presentment/1240 - Second Presentment(Full)

10 14100010 1 1 M MSR ATM BUSINESS TRANSACTION OF

0010 CUSTOMER CHOICE

Presentment/1240 - Second Presentment(Partial)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 401
 Dual Message Clearing
Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (ATM)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
11 14100010 1 1 M MSR ATM BUSINESS TRANSACTION OF
0010 CUSTOMER CHOICE

Presentment/1240 - Reversal of Second Presentment(Full)

12 14100010 1 1 M MSR ATM BUSINESS TRANSACTION OF

0011 CUSTOMER CHOICE

Presentment/1240 - Reversal of Second Presentment(Partial)

13 14100010 1 1 M MSR ATM BUSINESS TRANSACTION OF

0011 CUSTOMER CHOICE

Fee Collection/1740 - Fee Collection (Member-generated)

14 14100010 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0012

Fee Collection/1740 - Fee Collection Return

15 14100010 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0012

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 402
 Dual Message Clearing
Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (POS-CP)

Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated File—

All Business Transactions (POS-CP)
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file containing
correctly formatted clearing messages for various POS card-present (CP) business
transactions and message types/functions.

Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated File—

All Business Transactions (POS-CP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14100020 1 1 M MASTERCARD MSR PURCHASE SIGNATURE

0001

2 14100020 1 1 M DEBIT MASTERCARD MSR PURCHASE

0002 SIGNATURE

3 14100020 1 1 M MAESTRO MSR PURCHASE SIGNATURE

0003

4 14100020 1 1 M MASTERCARD MSR PURCHASE ONLINE PIN

0004

5 14100020 1 1 M DEBIT MASTERCARD MSR PURCHASE ONLINE

0005 PIN

6 14100020 1 1 M MAESTRO MSR PURCHASE ONLINE PIN

0006

7 14100020 1 1 M MASTERCARD MSR CASH ADVANCE ONLINE PIN

0007

8 14100020 1 1 M DEBIT MASTERCARD MSR CASH ADVANCE

0008 ONLINE PIN

9 14100020 1 1 M MASTERCARD MSR CASH ADVANCE SIGNATURE

0009

10 14100020 1 1 M DEBIT MASTERCARD MSR CASH ADVANCE

0010 SIGNATURE

11 14100020 1 1 M MASTERCARD MANUAL CASH ADVANCE

0011 SIGNATURE

12 14100020 1 1 M DEBIT MASTERCARD MANUAL CASH ADVANCE

0012 SIGNATURE

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 403
 Dual Message Clearing
Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (POS-CP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
13 14100020 1 1 M MASTERCARD MSR CAT LEVEL 1 PURCHASE
0013 ONLINE PIN

14 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 1

0014 PURCHASE ONLINE PIN

15 14100020 1 1 M MASTERCARD MSR CAT LEVEL 2 PURCHASE NO

0015 CVM

16 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 2

0016 PURCHASE NO CVM

17 14100020 1 1 M MASTERCARD MSR CAT LEVEL 3 PURCHASE NO

0017 CVM

18 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 3

0018 PURCHASE NO CVM

19 14100020 1 1 M MASTERCARD MSR CAT LEVEL 4 PURCHASE NO

0019 CVM

20 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 4

0020 PURCHASE NO CVM

21 14100020 1 1 M MASTERCARD MSR CAT LEVEL 7 PURCHASE

0021 SIGNATURE

22 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 7

0022 PURCHASE SIGNATURE

23 14100020 1 1 M MASTERCARD MSR CAT LEVEL 9 PURCHASE

0023 ONLINE PIN

24 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 9

0024 PURCHASE ONLINE PIN

25 14100020 1 1 M MASTERCARD MSR CAT LEVEL 9 PURCHASE

0025 SIGNATURE

26 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 9

0026 PURCHASE SIGNATURE

27 14100020 1 1 M MASTERCARD MSR CAT LEVEL 9 PURCHASE NO

0027 CVM

28 14100020 1 1 M DEBIT MASTERCARD MSR CAT LEVEL 9

0028 PURCHASE NO CVM

29 14100020 1 1 M MASTERCARD MSR PAYMENT TRANSACTION NO

0029 CVM

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 404
 Dual Message Clearing
Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (POS-CP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
30 14100020 1 1 M DEBIT MASTERCARD MSR PAYMENT
0030 TRANSACTION NO CVM

31 14100020 1 1 M MAESTRO MSR PAYMENT TRANSACTION NO

0031 CVM

32 14100020 1 1 M DEBIT MASTERCARD MSR PURCHASE WITH

0032 CASH BACK SIGNATURE

33 14100020 1 1 M MAESTRO MSR PURCHASE WITH CASH BACK

0033 SIGNATURE

34 14100020 1 1 M DEBIT MASTERCARD MSR PURCHASE WITH

0034 CASH BACK ONLINE PIN

35 14100020 1 1 M MAESTRO MSR PURCHASE WITH CASH BACK

0035 ONLINE PIN

36 14100020 1 1 M MASTERCARD MSR UNIQUE SIGNATURE

0036

37 14100020 1 1 M DEBIT MASTERCARD MSR UNIQUE SIGNATURE

0037

38 14100020 1 1 M MAESTRO MSR UNIQUE SIGNATURE

0038

39 14100020 1 1 M MASTERCARD MSR UNIQUE ONLINE PIN

0039

40 14100020 1 1 M DEBIT MASTERCARD MSR UNIQUE ONLINE PIN

0040

41 14100020 1 1 M MAESTRO MSR UNIQUE ONLINE PIN

0041

42 14100020 1 1 M MASTERCARD MSR REFUND SIGNATURE

0042

43 14100020 1 1 M DEBIT MASTERCARD MSR REFUND SIGNATURE

0043

44 14100020 1 1 M MAESTRO MSR REFUND SIGNATURE

0044

45 14100020 1 1 M MASTERCARD MANUAL REFUND SIGNATURE

0045

46 14100020 1 1 M DEBIT MASTERCARD MANUAL REFUND

0046 SIGNATURE

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 405
 Dual Message Clearing
Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (POS-CP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
47 14100020 1 1 M MAESTRO MSR REFUND ONLINE PIN
0047

Presentment/1240 - Reversal of First Presentment

48 14100020 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER

0001 CHOICE

Fee Collection/1740 - Fee Collection (Member-generated)

49 14100020 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER

0081 CHOICE

Fee Collection/1740 - Reversal of Fee Collection (Member-generated)

50 14100020 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER

0081 CHOICE

Presentment/1240 - Second Presentment(Full)

51 14100020 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER

0082 CHOICE

Presentment/1240 - Second Presentment(Partial)

52 14100020 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER

0083 CHOICE

Presentment/1240 - Reversal of Second Presentment(Full)

53 14100020 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER

0082 CHOICE

Presentment/1240 - Reversal of Second Presentment(Partial)

54 14100020 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER

0083 CHOICE

Fee Collection/1740 - Fee Collection Return

55 14100020 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0084

Fee Collection/1740 - Reversal of Fee Collection Return

56 14100020 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0084

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 406
 Dual Message Clearing
Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (CNP)

Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated File—

All Business Transactions (CNP)
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file that
contains correctly formatted clearing messages for various POS card-not-present
(CNP) business transactions and messages types/functions.

Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated File—

All Business Transactions (CNP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14100030 1 1 M MASTERCARD MOTO PURCHASE NO CVM

0001

2 14100030 1 1 M DEBIT MASTERCARD MOTO PURCHASE NO CVM

0002

3 14100030 1 1 M MAESTRO MOTO PURCHASE NO CVM

0003

4 14100030 1 1 M MASTERCARD MANUAL PAYMENT

0004 TRANSACTION NO CVM

5 14100030 1 1 M DEBIT MASTERCARD MANUAL PAYMENT

0005 TRANSACTION NO CVM

6 14100030 1 1 M MAESTRO MANUAL PAYMENT TRANSACTION NO

0006 CVM

7 14100030 1 1 M MASTERCARD ELECTRONIC COMMERCE

0007 PURCHASE NO CVM

8 14100030 1 1 M DEBIT MASTERCARD ELECTRONIC COMMERCE

0008 PURCHASE NO CVM

9 14100030 1 1 M MAESTRO ELECTRONIC COMMERCE PURCHASE

0009 NO CVM

10 14100030 1 1 M MASTERCARD ELECTRONIC COMMERCE

0010 PURCHASE ONLINE PIN

11 14100030 1 1 M DEBIT MASTERCARD ELECTRONIC COMMERCE

0011 PURCHASE ONLINE PIN

12 14100030 1 1 M MAESTRO ELECTRONIC COMMERCE PURCHASE

0012 ONLINE PIN

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 407
 Dual Message Clearing
Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (CNP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
13 14100030 1 1 M MASTERCARD ELECTRONIC COMMERCE
0013 PURCHASE OFFLINE PIN

14 14100030 1 1 M DEBIT MASTERCARD ELECTRONIC COMMERCE

0014 PURCHASE OFFLINE PIN

15 14100030 1 1 M MAESTRO ELECTRONIC COMMERCE PURCHASE

0015 OFFLINE PIN

16 14100030 1 1 M MASTERCARD CREDENTIAL ON FILE PURCHASE

0016 NO CVM

17 14100030 1 1 M DEBIT MASTERCARD CREDENTIAL ON FILE

0017 PURCHASE NO CVM

18 14100030 1 1 M MAESTRO CREDENTIAL ON FILE PURCHASE NO

0018 CVM

Presentment/1240 - Reversal of First Presentment

19 14100030 1 1 M BUSINESS TRANSACTION OF CUSTOMER

0001 CHOICE

Presentment/1240 - Second Presentment(Full)

20 14100030 1 1 M BUSINESS TRANSACTION OF CUSTOMER

0081 CHOICE

Presentment/1240 - Second Presentment(Partial)

21 14100030 1 1 M BUSINESS TRANSACTION OF CUSTOMER

0082 CHOICE

Presentment/1240 - Reversal of Second Presentment(Full)

22 14100030 1 1 M BUSINESS TRANSACTION OF CUSTOMER

0081 CHOICE

Presentment/1240 - Reversal of Second Presentment(Partial)

23 14100030 1 1 M BUSINESS TRANSACTION OF CUSTOMER

0082 CHOICE

Fee Collection/1740 - Fee Collection (Funds Transfer)

24 14100030 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0083

Fee Collection/1740 - Reversal of Fee Collection (Funds Transfer)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 408
 Dual Message Clearing
Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated File—All Business
Transactions (CNP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
25 14100030 1 1 M NOT RELATED TO A BUSINESS TRANSACTION
0083

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 409
 Dual Message Clearing
Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated File—Interchange
Rate Programs

Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Interchange Rate Programs
The following test cases will test whether a customer's acquirer Dual Message
clearing application can correctly populate the Interchange Rate Designator (IRD)
field in clearing messages.

NOTE: Please refer to the Interchange Information Center containing listing of all IRDs and
qualifying criteria within the published interchange-related manuals.

Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Interchange Rate Programs

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14100040 1 1 M MASTERCARD BUSINESS TRANSACTION AND

0001 CVM OF CUSTOMER CHOICE

Interregional transaction

2 14100040 1 1 M MASTERCARD BUSINESS TRANSACTION AND

0002 CVM OF CUSTOMER CHOICE

Intraregional transaction

3 14100040 1 1 C MASTERCARD BUSINESS TRANSACTION AND

0003 CVM OF CUSTOMER CHOICE

Intercountry transaction

4 14100040 1 1 C MASTERCARD BUSINESS TRANSACTION AND

0004 CVM OF CUSTOMER CHOICE

Intracountry transaction

5 14100040 1 1 C MASTERCARD BUSINESS TRANSACTION AND

0005 CVM OF CUSTOMER CHOICE

Member-to-member transaction

6 14100040 1 1 M DEBIT MASTERCARD BUSINESS TRANSACTION

0006 AND CVM OF CUSTOMER CHOICE

Interregional transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 410
 Dual Message Clearing
Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated File—Interchange
Rate Programs

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
7 14100040 1 1 M DEBIT MASTERCARD BUSINESS TRANSACTION
0007 AND CVM OF CUSTOMER CHOICE

Intraregional transaction

8 14100040 1 1 C DEBIT MASTERCARD BUSINESS TRANSACTION

0008 AND CVM OF CUSTOMER CHOICE

Intercountry transaction

9 14100040 1 1 C DEBIT MASTERCARD BUSINESS TRANSACTION

0009 AND CVM OF CUSTOMER CHOICE

Intracountry transaction

10 14100040 1 1 C DEBIT MASTERCARD BUSINESS TRANSACTION

0010 AND CVM OF CUSTOMER CHOICE

Member-to-member transaction

11 14100040 1 1 M MAESTRO BUSINESS TRANSACTION AND CVM

0011 OF CUSTOMER CHOICE

Interregional transaction

12 14100040 1 1 M MAESTRO BUSINESS TRANSACTION AND CVM

0012 OF CUSTOMER CHOICE

Interregional transaction

13 14100040 1 1 C MAESTRO BUSINESS TRANSACTION AND CVM

0013 OF CUSTOMER CHOICE

Intercountry transaction

14 14100040 1 1 C MAESTRO BUSINESS TRANSACTION AND CVM

0014 OF CUSTOMER CHOICE

Intracountry transaction

15 14100040 1 1 C MAESTRO BUSINESS TRANSACTION AND CVM

0015 OF CUSTOMER CHOICE

Member-to-member transaction

16 14100040 1 1 M CIRRUS BUSINESS TRANSACTION AND CVM OF

0016 CUSTOMER CHOICE

Interregional transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 411
 Dual Message Clearing
Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated File—Interchange
Rate Programs

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
17 14100040 1 1 M CIRRUS BUSINESS TRANSACTION AND CVM OF
0017 CUSTOMER CHOICE

Interregional transaction

18 14100040 1 1 C CIRRUS BUSINESS TRANSACTION AND CVM OF

0018 CUSTOMER CHOICE

Intercountry transaction

19 14100040 1 1 C CIRRUS BUSINESS TRANSACTION AND CVM OF

0019 CUSTOMER CHOICE

Intracountry transaction

20 14100040 1 1 C CIRRUS BUSINESS TRANSACTION AND CVM OF

0020 CUSTOMER CHOICE

Member-to-member transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 412
 Dual Message Clearing
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—Financial
Detail Addendum

Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Financial Detail Addendum
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file that
contains correctly formatted clearing messages.

Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Financial Detail Addendum

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Must contain an appropriate DE 26 airline MCC code for the designated Financial
Detail Addendum/1644 messages.

Financial Detail Addendum 1644 - Financial Detail Addendum

2 14100050 1 1 C PASSENGER TRANSPORT DETAIL (GENERAL

0001 TICKET INFORMATION)

This message supports ticketing transactions for airline, railway, and travel agency
transactions to provide passenger ticket information for the cardholder.

3 14100050 1 1 C PASSENGER TRANSPORT DETAIL (TRIP LEG

0001 DATA)

This message supports ticketing transactions for airline, railway, and travel agency
transactions to provide detailed itinerary information for the cardholder.

Presentment/1240 - First Presentment

4 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0002 CUSTOMER CHOICE

Must contain an appropriate DE 26 railway MCC code for the designated Financial
Detail Addendum/1644 messages.

Financial Detail Addendum 1644 - Financial Detail Addendum

5 14100050 1 1 C PASSENGER TRANSPORT DETAIL (GENERAL

0002 TICKET INFORMATION)

This message supports ticketing transactions for airline, railway, and travel agency
transactions to provide passenger ticket information for the cardholder.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 413
 Dual Message Clearing
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—Financial
Detail Addendum

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
6 14100050 1 1 C PASSENGER TRANSPORT DETAIL (TRIP LEG
0002 DATA)

This message supports ticketing transactions for airline, railway, and travel agency
transactions to provide detailed itinerary information for the cardholder.

7 14100050 1 1 C PASSENGER TRANSPORT DETAIL (RAIL DATA)

0002

This message supports ticketing information for railway transactions to provide

detailed itinerary information for the cardholder.

Presentment/1240 - First Presentment

8 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0003 CUSTOMER CHOICE

Must contain an appropriate DE 26 vehicle rental MCC code for the designated
Financial Detail Addendum/1644 message.
For specific corporate transactions occurring in the U.S. region, Corporate Card
Common Data is also required.

Financial Detail Addendum 1644 - Financial Detail Addendum

9 14100050 1 1 C VEHICLE RENTAL DETAIL

0003

This message provides detailed vehicle rental information for the cardholder.

Presentment/1240 - First Presentment

10 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0004 CUSTOMER CHOICE

Must contain an appropriate DE 26 lodging MCC code for the designated Financial
Detail Addendum/1644 message.
Whenever the Financial Detail Addendum (Lodging Summary)/1644 message is
present, and the transaction involves one of the Mastercard Corporate Cards, the
following addendum messages optionally may be provided: 1) Corporate Card
Common Data Requirement, usage code 98, industry record number 000; 2)
Corporate Card Line Item Detail, usage code 98, industry record number 950. For
specific corporate transactions occurring in the United States, Corporate Card
Common Data is also required.

Financial Detail Addendum 1644 - Financial Detail Addendum

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 414
 Dual Message Clearing
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—Financial
Detail Addendum

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
11 14100050 1 1 C LODGING SUMMARY
0004

This message provides detailed information about lodging accommodations and

related expenses for the cardholder.

Presentment/1240 - First Presentment

12 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0005 CUSTOMER CHOICE

Must contain an appropriate DE 26 temporary services MCC code for the

designated Financial Detail Addendum/1644 message.
For specific corporate transactions occurring in the U.S. region, Corporate Card
Common Data is also required.

Financial Detail Addendum 1644 - Financial Detail Addendum

13 14100050 1 1 C TEMPORARY SERVICES

0005

The Temporary Services detail addendum provides detailed information regarding

the billing for services rendered on a temporary or contract basis.

Presentment/1240 - First Presentment

14 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0005 CUSTOMER CHOICE

Must contain an appropriate DE 26 shipping/courier MCC code for the designated

Financial Detail Addendum/1644 messages.
For specific corporate transactions occurring in the U.S. region, Corporate Card
Common Data is also required.

Financial Detail Addendum 1644 - Financial Detail Addendum

15 14100050 1 1 C SHIPPING/COURIER SERVICES

0006

The Shipping/Courier Service detail addendum provides detailed information

regarding delivery or courier services.

Presentment/1240 - First Presentment

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 415
 Dual Message Clearing
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—Financial
Detail Addendum

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
16 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF
0007 CUSTOMER CHOICE

Must contain an appropriate DE 26 payment transaction MCC code for the

designated Financial Detail Addendum/1644 messages.

Financial Detail Addendum 1644 - Financial Detail Addendum

17 14100050 1 1 C PAYMENT TRANSACTION DETAIL

0007

This message supports data related to a program permitting Mastercard

cardholders to receive payments from a money transfer agent or a financial
institution.

Presentment/1240 - First Presentment

18 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0008 CUSTOMER CHOICE

Must contain an appropriate DE 26 telecommunication transaction MCC code for

the designated Financial Detail Addendum/1644 messages.

Financial Detail Addendum 1644 - Financial Detail Addendum

19 14100050 1 1 C TELEPHONY BILLING (SUMMARY)

0008

The Telephony Billing Service summary addendum is designed to carry telephony

billing data and to enable issuers to supply more transaction information to their
consumer and corporate clients.
For specific corporate transactions occurring in the U.S. region, Corporate Card
Common Data is also required.

20 14100050 1 1 C TELEPHONY BILLING (DETAIL)

0008

The Telephony Billing Service detail addendum is designed to carry telephony

billing data and to enable issuers to supply more transaction information to their
consumer and corporate clients.
For specific corporate transactions occurring in the U.S. region, Corporate Card
Common Data is also required.

Presentment/1240 - First Presentment

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 416
 Dual Message Clearing
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—Financial
Detail Addendum

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
21 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF
0009 CUSTOMER CHOICE

Must contain an appropriate DE 26 travel agency MCC code for the designated
Financial Detail Addendum/1644 messages.

Financial Detail Addendum 1644 - Financial Detail Addendum

22 14100050 1 1 C TRAVEL AGENCY DETAIL

0009

This message supports corporate transactions for travel agency transactions.

For specific corporate transactions occurring in the U.S. region, Corporate Card
Common Data is also required.

Presentment/1240 - First Presentment

23 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0010 CUSTOMER CHOICE

Must contain an appropriate DE 26 travel MCC code for the designated Financial
Detail Addendum/1644 messages.
This transaction is conducted with a lodged account which is defined as a
corporate card account used by a travel agency for multiple individuals within the
same corporate client.

Financial Detail Addendum 1644 - Financial Detail Addendum

24 14100050 1 1 C LODGED ACCOUNT DETAIL

0010

This message supports Lodged Account transaction information for corporate

cardholders.
For specific corporate transactions occurring in the U.S. region, Corporate Card
Common Data is also required.

Presentment/1240 - First Presentment

25 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0011 CUSTOMER CHOICE

Must contain an appropriate DE 26 healthcare MCC code for the designated

Financial Detail Addendum/1644 messages.

Financial Detail Addendum 1644 - Financial Detail Addendum

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 417
 Dual Message Clearing
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—Financial
Detail Addendum

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
26 14100050 1 1 C HEALTHCARE
0011

The Financial Detail Addendum (Healthcare) provides a detailed description of the

item purchased.

Presentment/1240 - First Presentment

27 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0012 CUSTOMER CHOICE

Must contain an appropriate DE 26 MCC code for the designated Financial Detail
Addendum/1644 messages.

Financial Detail Addendum 1644 - Financial Detail Addendum

28 14100050 1 1 C ELECTRONIC INVOICES (TRANSACTION DATA)

0012

The Electronic Invoice detail addendum messages are designed to carry electronic
invoice data that is not present in other addendum messages, and to allow issuers
to supply more transaction information to their corporate clients.
This message contains detail about the items listed in the invoice.

29 14100050 1 1 C ELECTRONIC INVOICES (PARTY INFORMATION)

0012

The Electronic Invoice detail addendum messages are designed to carry electronic
invoice data that is not present in other addendum messages, and to allow issuers
to supply more transaction information to their corporate clients.
This message contains information about the buyer, the supplier, the invoice
recipient, the payee, the delivery party, and the ship from party.

Presentment/1240 - First Presentment

30 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0013 CUSTOMER CHOICE

Must contain an appropriate DE 26 MCC code for the designated Financial Detail
Addendum/1644 messages and conducted with a Mastercard corporate card.

Financial Detail Addendum 1644 - Financial Detail Addendum

31 14100050 1 1 C CORPORATE CARD COMMON DATA

0013 REQUIREMENTS

This addendum is required for specific corporate transactions occurring in the

United States and conditionally required for specific interchange programs outside
the U.S. region.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 418
 Dual Message Clearing
Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated File—Financial
Detail Addendum

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
32 14100050 1 1 C CORPORATE LINE ITEM DETAIL
0013

This message supports a single corporate program transaction with multiple line
item details.

Presentment/1240 - First Presentment

33 14100050 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0014 CUSTOMER CHOICE

Must contain an appropriate DE 26 MCC code for the designated Financial Detail
Addendum/1644 messages and conducted with a Mastercard corporate card.

Financial Detail Addendum 1644 - Financial Detail Addendum

34 14100050 1 1 C GENERIC DETAIL

0014

This message supports data related to new programs and services the
Corporation introduces that require the presence of data not available in First
Presentment/1240 messages.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 419
 Dual Message Clearing
Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated File—Service
Provider and Merchant Identification

Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Service Provider and Merchant Identification
The following test cases will test whether an acquirer Dual Message clearing
application is able to submit PDS 0208 (Additional Merchant Data), SF 1 (Payment
Facilitator ID), SF 2 (Sub-Merchant ID) and PDS 0209 (Independent Sales
Organization ID) to identify that a payment facilitator or an independent sales
organization participated in a transaction.
Data Integrity edit requires Submerchant ID must be present when Payment
Facilitator ID is present and that DE 43, SF 1 must contain * value in position 4, 8,
or 13.

Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Service Provider and Merchant Identification

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14100080 1 1 M BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

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

PDS 0208, SF 1 = Payment Facilitator is present (n-11)
PDS 0208, SF 2 = Sub-Merchant ID is present (ans-15, left justified with trailing
spaces)
PDS 0209 = Independent Sales Organization ID is present (n-11)
DE 43, SF 1 = payment facilitator name (ans-3, ans-7, or ans-12) * sub-merchant
name
DE 43, SF 2 = sub-merchant Street Address
DE 43, SF 3 = sub-merchant City
DE 43, SF 4 = sub-merchant Postal Code
DE 43, SF 5 = sub-merchant State, Province, or Region Code)
DE 43, SF 6 = sub-merchant Country Code

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 420
 Dual Message Clearing
Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated File—Service
Provider and Merchant Identification

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14100080 1 1 M BUSINESS TRANSACTION AND CVM OF
0002 CUSTOMER CHOICE

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

PDS 0208, SF 1 = Payment Facilitator is present (n-11)
PDS 0208, SF 2 = Sub-Merchant ID is present (ans-15, left justified with trailing
spaces)
DE 43, SF 1 = payment facilitator name (ans-3, ans-7, or ans-12) * sub-merchant
name
DE 43, SF 2 = sub-merchant Street Address
DE 43, SF 3 = sub-merchant City
DE 43, SF 4 = sub-merchant Postal Code
DE 43, SF 5 = sub-merchant State, Province, or Region Code)
DE 43, SF 6 = sub-merchant Country Code

3 14100080 1 1 M BUSINESS TRANSACTION AND CVM OF

0003 CUSTOMER CHOICE

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

PDS 0209 = Independent Sales Organization ID is present (n-11)
DE 43 = Merchant Name (business as usual)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 421
 Dual Message Clearing
Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated File—Global Brand
Compliance

Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Global Brand Compliance
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file containing
correctly formatted collection only messages.

NOTE: Test cases for Cash Advance business transactions in the below table apply to
Mastercard (MCC) acceptance brand only.

Customers must send the collection only messages in one of the following ways:
• In a separate customer-generated file containing solely collection only messages
• In a customer-generated file along with clearing messages.

Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated File—

Global Brand Compliance

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment Collection Only

1 14100090 1 1 M ATM BUSINESS TRANSACTION OF CUSTOMER

0001 CHOICE ONLINE PIN

2 14100090 1 1 M CASH ADVANCE BUSINESS TRANSACTION AND

0002 CVM OF CUSTOMER CHOICE

3 14100090 1 1 M PURCHASE BUSINESS TRANSACTION AND CVM

0003 OF CUSTOMER CHOICE

4 14100090 1 1 M REFUND BUSINESS TRANSACTION AND CVM OF

0004 CUSTOMER CHOICE

5 14100090 1 1 M PAYMENT BUSINESS TRANSACTION AND CVM

0005 OF CUSTOMER CHOICE

6 14100090 1 1 M PURCHASE WITH CASH BACK BUSINESS

0006 TRANSACTION AND CVM OF CUSTOMER
CHOICE

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 422
 Dual Message Clearing
Products and Services

Products and Services

The test cases in this section are described below.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 423
 Dual Message Clearing
Products and Services

• Table 1410111—Acquirer Credit and Debit—MSR Product and Services—

Customer-generated File—Funding or Funding Refund Transactions
• Table 1410112—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—MoneySend Payment Transactions
• Table 1410121—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Dynamic Currency Conversion
• Table 1410411—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment Payment Service (Global)
• Table 1410415—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mastercard rePower Load Value Payment
Transaction
• Table 1410417—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transaction Integrity Classification (U.S. Region)
• Table 1410424—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Multi-Clearing
• Table 1410451—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Private Label Processing
• Table 1410471—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Real-time Substantiation (U.S. Region)
• Table 1410481—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (Europe Region)
• Table 1410491—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Enhanced
Value and/or Product Graduation)
• Table 1410492—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region World High
Value and Product Graduation
• Table 1410493—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Spend
Shortfall and Product Graduation)
• Table 1410494—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Small
Business Spend and Product Graduation)
• Table 1410499—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (Canada Region)
• Table 1410501—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment and Non-installment Payment
Transactions (Brazil)
• Table 1410508—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment Payment Service (Philippines)
• Table 1410515—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Japan)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 424
 Dual Message Clearing
Products and Services

• Table 1410545—Acquirer Credit and Debit—MSR Product and Services—

Customer-generated File—Domestic Processing (Paraguay)
• Table 1410546—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Paraguay)
• Table 1410550—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Colombia)
• Table 1410560—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Chile)
• Table 1410601—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Contactless Magnetic Stripe (All Business
Transactions)
• Table 1410620—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Fleet Cards
• Table 1410621—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Prefunded Model)
• Table 1410622—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Real-Time Authorized Model)
• Table 1410623—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Model)
• Table 1410624—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Authorized Aggregated Split
Clearing Model)
• Table 1410626—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Maestro Model)
• Table 1410806—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mastercard Identity Check
• Table 1410824—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mobile Remote Payments Program
• Table 1410829—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Click to Pay
• Table 1410833—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—MDES Device Tokens in DSRP, Identity Check, and
Click to Pay
• Table 1410903—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Flex Card Service (Brazil)
• Table 1413535—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Merchant Presented QR Payment Refund
Transactions
• Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File
Generated by Mastercard—Merchant Presented QR Payment Transactions
• Table 1420890—Acquirer Credit and Debit—MSR Product and Services—File
Generated by Mastercard—Pay By Account

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 425
 Dual Message Clearing
Table 1410111—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Funding or Funding Refund Transactions

Table 1410111—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Funding or Funding Refund Transactions
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file for Funding
or Funding Refund Transactions in clearing messages.

Table 1410111—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Funding or Funding Refund Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14101110 1 1 C POS CP FUNDING OR FUNDING REFUND

0001 SIGNATURE

Funding or Funding Refund Transactions for MoneySend completed at a bank

branch
DE 3, SF 1 = 00 (Purchase) or 20 (Credit) and DE 26 = 6538 (Funding Transactions
for MoneySend)
PDS 0023 (Terminal Type) = NA
PDS 0043 (Program Registration ID) = C07, C52-C57, or C65 of customer choice
PDS 0158, SF 4 (Interchange Rate Designator) contains applicable value of
customer choice
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL) may optionally be present
Financial Detail Addendum/1644 may optionally contain PDS 0670 (Payer/User
Information), PDS 0671 (Date of Funds Requested), and/or PDS 0674 (Additional
Trace/Reference Number Used by Card Acceptor)
Must contain all other appropriate transaction data for submitted transaction
type, MTI, and IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 426
 Dual Message Clearing
Table 1410111—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Funding or Funding Refund Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14101110 1 1 C MSR ATM FUNDING OR FUNDING REFUND
0002 ONLINE PIN

Funding or Funding Refund Transactions for MoneySend completed at an ATM

DE 3, SF 1 = 00 (Purchase) or 20 (Credit) and DE 26 = 6538 (Funding Transactions
for MoneySend)
PDS 0023 (Terminal Type) = ATM
PDS 0043 (Program Registration ID) = C07, C52-C57, or C65 of customer choice
PDS 0158, SF 4 (Interchange Rate Designator) contains applicable value of
customer choice
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL) may optionally be present
Financial Detail Addendum/1644 may optionally contain PDS 0670 (Payer/User
Information), PDS 0671 (Date of Funds Requested), and/or PDS 0674 (Additional
Trace/Reference Number Used by Card Acceptor)
Must contain all other appropriate transaction data for submitted transaction
type, MTI, and IRD

3 14101110 1 1 C POS CAT LEVEL 2 FUNDING OR FUNDING

0003 REFUND NO CVM

Funding or Funding Refund Transactions for MoneySend completed at an

unmanned kiosk
DE 3, SF 1 = 00 (Purchase) or 20 (Credit) and DE 26 = 6538 (Funding Transactions
for MoneySend)
PDS 0023 (Terminal Type) = CT2
PDS 0043 (Program Registration ID) = C07, C52-C57, or C65 of customer choice
PDS 0158, SF 4 (Interchange Rate Designator) contains applicable value of
customer choice
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL) may optionally be present
Financial Detail Addendum/1644 may optionally contain PDS 0670 (Payer/User
Information), PDS 0671 (Date of Funds Requested), and/or PDS 0674 (Additional
Trace/Reference Number Used by Card Acceptor)
Must contain all other appropriate transaction data for submitted transaction
type, MTI, and IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 427
 Dual Message Clearing
Table 1410111—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Funding or Funding Refund Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14101110 1 1 C ELECTRONIC COMMERCE FUNDING OR
0004 FUNDING REFUND NO CVM

Funding or Funding Refund transaction completed on the Internet

DE 3, SF 1 = 00 (Purchase) or 20 (Credit) and DE 26 = 6538 (for MoneySend CAB
Program, MON1)
PDS 0023 (Terminal Type) = CT6
PDS 0043 (Program Registration ID) = C07, C52-C57, or C65 of customer choice
PDS 0158, SF 4 (Interchange Rate Designator) contains applicable value of
customer choice
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL) may optionally be present
Financial Detail Addendum/1644 may optionally contain PDS 0670 (Payer/User
Information), PDS 0671 (Date of Funds Requested), and/or PDS 0674 (Additional
Trace/Reference Number Used by Card Acceptor)
Must contain all other appropriate transaction data for submitted transaction
type, MTI, and IRD

5 14101110 1 1 C FUNDING OR FUNDING REFUND AND CVM OF

021 CUSTOMER CHOICE

Funding or Funding Refund Transactions completed at Terminal Type of customer

choice
Card Program ID: MCC, DMC, MSI and GCMS Product ID: applicable values for
submitted IRD
DE 3, SF 1 (Cardholder Transaction Type) = 00 (Purchase) or 20 (Credit)
DE 26 (Card Acceptor Business Code [MCC]) = 4829 (Money Transfer)
PDS 0023 (Terminal Type) contains valid value ATM, CT2, CT6, or NA
PDS 0043 (Program Registration ID) = F07-F08, F52-F55, F61, or F64-F65 of
customer choice
PDS 0158, SF 4 (IRD) contains applicable value of customer choice
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL) may optionally be present
Financial Detail Addendum/1644 may optionally contain PDS 0670 (Payer/User
Information), PDS 0671 (Date of Funds Requested), and/or PDS 0674 (Additional
Trace/Reference Number Used by Card Acceptor)
Must contain all other appropriate transaction data for submitted transaction
type, MTI, and IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 428
 Dual Message Clearing
Table 1410111—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Funding or Funding Refund Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
6 14101110 1 1 C PURCHASE BUSINESS TRANSACTION AND CVM
0022 OF CUSTOMER CHOICE

Funding or Funding Refund Transactions completed at Terminal Type of customer

choice
Card Program ID: MCC, DMC, MSI and GCMS Product ID: applicable values for
submitted IRD
DE 3, SF 1 (Cardholder Transaction Type) = 00 (Purchase) or 20 (Credit)
DE 26 (Card Acceptor Business Code [MCC]) = 6540 (Funding Transaction)
PDS 0023 (Terminal Type) contains valid value ATM, CT2, CT6, or NA
PDS 0043 (Program Registration ID) = F07-F08, F52-F55, F61, or F64-F65 of
customer choice
PDS 0158, SF 4 (Interchange Rate Designator) contains applicable value of
customer choice
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL) may optionally be present
Financial Detail Addendum/1644 may optionally contain PDS 0670 (Payer/User
Information), PDS 0671 (Date of Funds Requested), and/or PDS 0674 (Additional
Trace/Reference Number Used by Card Acceptor)
Must contain all other appropriate transaction data for submitted transaction
type, MTI, and IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 429
 Dual Message Clearing
Table 1410112—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—MoneySend Payment Transactions

Table 1410112—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—MoneySend Payment Transactions
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file for
MoneySend Payment Transactions in clearing messages.

Table 1410112—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—MoneySend Payment Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14101120 1 1 C MANUAL PAYMENT TRANSACTION NO CVM

0011

MoneySend Payment Transaction originated from a Funding Transaction

DE 3, SF 01 = 28 (Payment Transaction) and DE 26 = 6536 (Intracountry) or 6537
(Intercountry)
PDS 0023 (Terminal Type) = NA
PDS 0043 (Program Registration ID) = C07, C52-C57, or C65 of customer choice
PDS 0158, SF 04 (Interchange Rate Designator) = MS
Financial Detail Addendum 1644/696 must be present for MoneySend Payment
Transactions including PDS 0670, 0671, 0674, and 0765

2 14101120 1 1 C SERVER PAYMENT NO CVM

0016

MoneySend Payment Transaction originated from a Funding Transaction

DE 3, SF 01 = 28 (Payment Transaction)
DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 1 (Issuer Domain)
DE 26 = 6536 (MoneySend Intracountry) or 6537 (MoneySend Intercontry)
PDS 0043 (Program Registration ID) = C07, C52-C57, or C65 of customer choice
PDS 0158, SF 4 = MS
Financial Detail Addendum 1644/696 must be present for MoneySend Payment
Transactions including PDS 0670, 0671, 0674, and 0765.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 430
 Dual Message Clearing
Table 1410112—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—MoneySend Payment Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14101120 1 1 C SERVER PAYMENT NO CVM
0017

MoneySend Payment Transaction originated from a Funding Transaction

DE 3, SF 01 = 28 (Payment Transaction)
DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 2 (Acquirer domain)
DE 26 = 6536 (MoneySend Intracountry and 6537 (MoneySend Intercountry)
PDS 0043 (Program Registration ID) = C07, C52-C57, or C65 of customer choice
PDS 0158, SF 4 = MS
Financial Detail Addendum 1644/696 must be present for MoneySend Payment
Transactions including PDS 0670, 0671, 0674, and 0765.

4 14101120 1 1 C MSR ATM PAYMENT TRANSACTION ONLINE PIN

0031

MoneySend Cash2ATM Intracountry Interchange Program only if acquired in

approved countries
Card Program ID: MCC, DMC, MSI, or CIR
GCMS Product ID: Any applicable product codes for IRD MS
DE 3 (Processing Code), SF 1 = 28 (Payment Transaction)
DE 26 (CAB) = Any value within valid CAB Program MON1 (MoneySend) for IRD
MS
PDS 0043 = C58 (MoneySend Cash2ATM)
PDS 0158, SF 4 (IRD) = MS (MoneySend)
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL)
Financial Detail Addendum/1644 with required PDS for MoneySend transactions
Must contain any other appropriate transaction data for IRD MS

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 431
 Dual Message Clearing
Table 1410112—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—MoneySend Payment Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
5 14101120 1 1 C MSR PAYMENT TRANSACTION ONLINE PIN
0032

MoneySend Cash2Card Intracountry Interchange Program only if acquired in

approved countries
Card Program ID: MCC, DMC, or MSI
GCMS Product ID: Any applicable product codes for IRD MS
DE 3 (Processing Code), SF 1 = 28 (Payment Transaction)
DE 26 (CAB) = Any value within valid CAB Program MON1 (MoneySend) for IRD
MS
PDS 0043 = C59 (MoneySend Cash2Card)
PDS 0158, SF 4 (IRD) = MS (MoneySend)
PDS 0170, SF 1 (Customer Service Phone Number) and PDS 0175 (Card Acceptor
URL)
Financial Detail Addendum/1644 with required PDS for MoneySend transactions
Must contain any other appropriate transaction data for IRD MS

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 432
 Dual Message Clearing
Table 1410121—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Dynamic Currency Conversion

Table 1410121—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Dynamic Currency Conversion
The following test case will test whether a customer's acquirer Dual Message
clearing application is able to build and send a valid customer-generated file for
dynamic currency conversion clearing message.

Table 1410121—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Dynamic Currency Conversion

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14101210 1 1 C BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

DE 4 = Post conversion transaction amount

DE 54, SF 1 = 00 (Default Account)
DE 54, SF 2 = 58 (Amount, POI Amount)
DE 54, SF 3 = Pre-conversion transaction currency code
DE 54, SF 4 = C (Credit) or D (Debit)
DE 54, SF 5 = Pre-conversion transaction amount
PDS 0148 (Currency Exponents) must be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 433
 Dual Message Clearing
Table 1410411—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Installment Payment Service (Global)

Table 1410411—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Installment Payment Service (Global)
The following test cases will test whether an acquirer's Dual Message clearing
application is able to send First Presentments containing installment payment
information when issuer is participating in the Point of Interaction service and
merchant's terminal supports installment payment processing.

NOTE: PDS 0777 must be inserted in First Presentment/1240 and need not be included in
Financial Detail Addendum (Private Label Line Item Detail)/1644.

Table 1410411—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Installment Payment Service (Global)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104110 1 1 C POS PURCHASE CVM OF CUSTOMER CHOICE

0001

DE 4 (Transaction Amount) contains total purchase amount.

PDS 0181 (Installment Payment Data) contains subfields 1-7 wherein SF 1 = 20
(Issuer-Financed)
PDS 0777 (Promotion Code) = MCINST

2 14104110 1 1 C POS PURCHASE CVM OF CUSTOMER CHOICE

0002

DE 4 (Transaction Amount) contains total purchase amount.

PDS 0181 (Installment Payment Data) contains subfields 1-7 wherein SF 1 = 21
(Merchant-Financed)
PDS 0777 (Promotion Code) = MCINST

3 14104110 1 1 C POS PURCHASE CVM OF CUSTOMER CHOICE

0003

DE 4 (Transaction Amount) contains total purchase amount.

PDS 0181 (Installment Payment Data) contains subfields 1-7 wherein SF 1 = 22
(Acquirer-Financed)
PDS 0777 (Promotion Code) = MCINST

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 434
 Dual Message Clearing
Table 1410415—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Mastercard rePower Load Value Payment Transaction

Table 1410415—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Mastercard rePower Load Value Payment Transaction
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file for
Mastercard rePower load value payment transactions processing in clearing
messages.

NOTE: Issuer Account Range must be included in the Business Service Arrangement (BSA)
X/000509 to qualify for IRD ER.

Table 1410415—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Mastercard rePower Load Value Payment Transaction

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104150 1 1 C POS PAYMENT TRANSACTION NO CVM

0001

DE 26 (Card Acceptor Business [MCC] Code) = 6532 (Payment Transaction -

Member Financial Institution), or 6533 (Payment Transaction - Merchant)
PDS 0043 (Program Registration ID) = C03 (rePower Load Value)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 435
 Dual Message Clearing
Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transaction Integrity Classification (U.S. Region)

Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transaction Integrity Classification (U.S. Region)
The following test cases will test whether an acquirer's Dual Message clearing
application can optionally provide PDS 0017 (Transaction Integrity Class) in
Presentment/1240 messages when the Transaction Integrity Class (TIC) value is
received from the Authorization Platform.

NOTE: These test cases present one business transaction for each applicable TIC value
although there may be other business transaction applicable for a Transaction Integrity
Class value. See table 1430417 for the ICC business transactions and associated TIC
values.

Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transaction Integrity Classification (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104170 1 1 C MSR APPLICABLE BUSINESS TRANSACTION AND

0001 CVM OF CUSTOMER CHOICE

Transaction Integrity Class (TIC) value C1

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN and DE 35 or 45 contains funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 0 (Cardholder present); SF 6 = 1 (Card present); SF 7 = B (PAN auto-
entry via magnetic stripe); and applicable data for other subfields and business
transaction
PDS 0017 = CI (Card and Cardholder Present: Mag Stripe)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 436
 Dual Message Clearing
Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transaction Integrity Classification (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14104170 1 1 C MANUAL ENTRY APPLICABLE BUSINESS
0002 TRANSACTION AND CVM OF CUSTOMER
CHOICE

Transaction Integrity Class (TIC) value E1

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 0 (Cardholder present); SF 6 = 1 (Card present); SF 7 = 1 (PAN
manual entry; no terminal used); and applicable data for other subfields and
business transaction
PDS 0017 = EI (Card and Cardholder Present: Key Entered)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

3 14104170 1 1 C UNKNOWN ENTRY APPLICABLE BUSINESS

0003 TRANSACTION AND CVM OF CUSTOMER
CHOICE

Transaction Integrity Class (TIC) value U0

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 0 (Cardholder present); SF 6 = 5 (Card present); SF 7 = 0 (PAN entry
mode unknown); and applicable data for other subfields and business transaction
PDS 0017 = UO (Card and Cardholder Present: Unclassified)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 437
 Dual Message Clearing
Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transaction Integrity Classification (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14104170 1 1 C DSRP ELECTRONIC COMMERCE APPLICABLE
0011 BUSINESS TRANSACTION AND CVM OF
CUSTOMER CHOICE

Transaction Integrity Class (TIC) value B2

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 5 (Cardholder not present (electronic order [PC, Internet, mobile
phone, or PDA])); SF 6 = 0 (Card not present); SF 7 = S (PAN entry via electronic
commerce); and applicable data for other subfields and business transaction
PDS 0017 = B2 (Card and/or Cardholder Not Present: Authenticated Checkout)
PDS 0023 = CT6 (Electronic commerce) and PDS 0052 (Security Level Indicator) is
present
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 438
 Dual Message Clearing
Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transaction Integrity Classification (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
5 14104170 1 1 C ELECTRONIC COMMERCE APPLICABLE
0012 BUSINESS TRANSACTION AND CVM OF
CUSTOMER CHOICE

Transaction Integrity Class (TIC) value C2

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 5 (Cardholder not present (electronic order [PC, Internet, mobile
phone, or PDA])); SF 6 = 0 (Card not present); SF 7 = S (PAN entry via electronic
commerce); and applicable data for other subfields and business transaction
PDS 0017 = C2 (Card and/or Cardholder Not Present: Transaction Validation)
PDS 0023 = CT6 (Electronic commerce) and PDS 0052 (Security Level Indicator) is
present
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 439
 Dual Message Clearing
Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transaction Integrity Classification (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
6 14104170 1 1 C ELECTRONIC COMMERCE APPLICABLE
0013 BUSINESS TRANSACTION AND CVM OF
CUSTOMER CHOICE

Transaction Integrity Class (TIC) value D2

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 5 (Cardholder not present (electronic order [PC, Internet, mobile
phone, or PDA])); SF 6 = 0 (Card not present); SF 7 = S (PAN entry via electronic
commerce); and applicable data for other subfields and business transaction
PDS 0017 = D2 (Card and/or Cardholder Not Present: Enhanced Data)
PDS 0023 = CT6 (Electronic commerce) and PDS 0052 (Security Level Indicator) is
present
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

7 14104170 1 1 C PHONE ORDER APPLICABLE BUSINESS

0014 TRANSACTION AND CVM OF CUSTOMER
CHOICE

Transaction Integrity Class (TIC) value E2

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 3 (Cardholder not present (phone order or from automated
response unit [ARU])); SF 6 = 0 (Card not present); SF 7 = 1 (PAN manual entry; no
terminal used); and applicable data for other subfields and business transaction
PDS 0017 = E2 (Card and/or Cardholder Not Present: Generic Messaging)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 440
 Dual Message Clearing
Table 1410417—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transaction Integrity Classification (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
8 14104170 1 1 C UNKNOWN ENTRY APPLICABLE BUSINESS
0015 TRANSACTION AND CVM OF CUSTOMER
CHOICE

Transaction Integrity Class (TIC) value U0

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 1 (Cardholder not present (unspecified)); SF 6 = 0 (Card not
present); SF 7 = 0 (PAN entry mode unknown); and applicable data for other
subfields and business transaction
PDS 0017 = UO (Card and/or Cardholder Not Present: Unclassified)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 441
 Dual Message Clearing
Table 1410424—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Multi-Clearing

Table 1410424—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Multi-Clearing
The following test cases will test whether an acquirer Dual Message clearing
application is able to submit transactions with a multi-clearing indicator
identifying multiple presentments with partial amounts for a single approved
authorization.

Table 1410424—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Multi-Clearing

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104240 1 1 C POS PURCHASE CVM OF CUSTOMER CHOICE

0001

DE 4 = partial amount
DE 25 = 1403 (Previously approved authorization—partial amount, multi-clearing)
DE 38 = must be present and must match with value in the original Authorization/
0110 message
DE 63 SF 2 = must be present and must match with value in the original
Authorization/0110 message

2 14104240 1 1 C POS PURCHASE CVM OF CUSTOMER CHOICE

0002

DE 4 = final amount
DE 25 = 1404 (Previously approved authorization—partial amount, final clearing)
DE 38 = must be present and must match with value in the original Authorization/
0110 message
DE 63 SF 2 = must be present and must match with value in the original
Authorization/0110 message

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 442
 Dual Message Clearing
Table 1410451—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Private Label Processing

Table 1410451—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Private Label Processing
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file for the
Private Label Processing Interchange in clearing messages.

Table 1410451—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Private Label Processing

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104510 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Can optionally submit these addenda in this order for private label card
transactions:
Financial Detail Addendum (Private Label Common Data)/1644
Financial Detail Addendum (Private Label Detail Line Item)/1644

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 443
 Dual Message Clearing
Table 1410471—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Real-time Substantiation (U.S. Region)

Table 1410471—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Real-time Substantiation (U.S. Region)
The following test cases will test whether an acquirer Dual Message clearing
application can submit properly formatted First Presentment/1240 messages
containing healthcare real-time substantiation amounts.

Table 1410471—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Real-time Substantiation (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104710 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Merchant verifies against IIAS and provides vision RX eligibility amount

PDS 0057 (Transaction Category Indicator) = 03 (The transaction is from a card
acceptor terminal that verified qualified healthcare expenses against an Inventory
Information Approval System (IIAS) during the authorization proces.
PDS 0176 (Mastercard Assigned ID) is present
DE 54, SF 2 (Amount Type) = 12 (Vision Rx Eligibility Amount) only
DE 4 (Amount, Transaction) and DE 54 SF 4 (Amount) for SF 2 (Amount Type) 12
(Vision RX Eligibility Amount) contain the same amount value

2 14104710 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0002 CUSTOMER CHOICE

Merchant verifies against IIAS and provides healthcare eligibility amount and
vision RX eligibility amount
PDS 0057 (Transaction Category Indicator) = 03 (The transaction is from a card
acceptor terminal that verified qualified healthcare expenses against an Inventory
Information Approval System (IIAS) during the authorization proces.
PDS 0176 (Mastercard Assigned ID) is present
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount) and 12 (Vision Rx
Eligibility Amount)
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4 (Amount) for
SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 12 (Vision Rx Eligibility
Amount)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 444
 Dual Message Clearing
Table 1410471—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Real-time Substantiation (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14104710 1 1 C POS BUSINESS TRANSACTION AND CVM OF
0003 CUSTOMER CHOICE

Merchant verifies against IIAS and provides healthcare eligibility amount,

prescription eligibility amount, and vision RX eligibility amount
PDS 0057 (Transaction Category Indicator) = 03 (The transaction is from a card
acceptor terminal that verified qualified healthcare expenses against an Inventory
Information Approval System (IIAS) during the authorization proces.
PDS 0176 (Mastercard Assigned ID) is present
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount), 11 (Prescription
Eligibility Amount), and 12 (Vision Rx Eligibility Amount)
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4 (Amount) for
SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 12 (Vision Rx Eligibility
Amount). The amount type 11 is included in amount type 10.

4 14104710 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0004 CUSTOMER CHOICE

Merchant verifies against IIAS and provides healthcare eligibility amount

PDS 0057 (Transaction Category Indicator) = 03 (The transaction is from a card
acceptor terminal that verified qualified healthcare expenses against an Inventory
Information Approval System (IIAS) during the authorization proces.
PDS 0176 (Mastercard Assigned ID) is present
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount) only
DE 4 (Amount, Transaction) and DE 54 SF 4 (Amount) for SF 2 (Amount Type) 10
(Healthcare Eligibility Amount) contain the same amount value

5 14104710 1 1 C POS BUSINESS TRANSACTION AND CVM OF

0005 CUSTOMER CHOICE

Merchant verifies against IIAS and provides healthcare eligibility amount and
prescripiton RX eligibility amount
PDS 0057 (Transaction Category Indicator) = 03 (The transaction is from a card
acceptor terminal that verified qualified healthcare expenses against an Inventory
Information Approval System (IIAS) during the authorization proces.
PDS 0176 (Mastercard Assigned ID) is present
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount) and 11
(Prescription Rx Eligibility Amount)
DE 4 (Amount, Transaction) equals DE 54, SF 4 (Amount) for SF 2 (Amount Type)
10 (Healthcare Eligibility Amount). The amount type 11 is included within amount
type 10.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 445
 Dual Message Clearing
Table 1410481—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (Europe Region)

Table 1410481—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (Europe Region)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send a valid customer-generated file for Account Level
Management (ALM) processing of Enhanced Value and/or Product Graduation in
clearing messages.

NOTE: These test cases apply to Europe Region acquirers in approved countries only.

Table 1410481—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (Europe Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104810 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0001 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

DE 38 = P (Product Graduation)
Use Test Account MCC_221 or MDS_221 or MSI_221 for Account Level
Management

2 14104810 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0002 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

DE 38 = B (Enhanced Value)
Use Test Account MCC_222 or MDS_222 for Account Level Management

3 14104810 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0003 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

DE 38 = M (Enhanced Value [Enhanced Value and Product Graduation)

Use Test Account MCC_223 for Account Level Management

4 14104810 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0004 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

DE 38 = Z (account range participates in ALM but account number does not)

Use Test Account MCC_220 or MDS_220 or MSI_220

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 446
 Dual Message Clearing
Table 1410491—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region Enhanced Value and/or Product Graduation)

Table 1410491—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region Enhanced Value and/or
Product Graduation)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send a valid customer-generated file for Account Level
Management (ALM) processing of Enhanced Value and/or Product Graduation in
clearing messages.

NOTE: These test cases apply to U.S. Region acquirers only.

Table 1410491—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region Enhanced Value and/or
Product Graduation)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104910 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0001 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use MCC_201 (U.S. test card) for ALM processing

DE 38, position 6 = B (Enhanced Value)

2 14104910 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0002 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use MCG_202 or MDG_202 (U.S. test card) for ALM processing

DE 38, position 6 = P (Product Graduation)

3 14104910 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0003 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use MPL_202 (U.S. test card) for ALM processing

DE 38, position 6 = M (Enhanced Value and Product Graduation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 447
 Dual Message Clearing
Table 1410491—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region Enhanced Value and/or Product Graduation)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14104910 1 1 C POS PURCHASE OR PURCHASE WITH CASH
0004 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use MCC_203 or MDS_220 (U.S. test card) for ALM processing

DE 38, position 6 = Z (Account Range participates in ALM but Account Number
does not)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 448
 Dual Message Clearing
Table 1410492—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region World High Value and Product Graduation

Table 1410492—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region World High Value and
Product Graduation
The following test cases will test whether an acquirer Dual Message clearing
application can build and send a valid customer-generated file for Account Level
Management (ALM) processing of World High Value and Product Graduation in
clearing messages.

NOTE: These test cases apply to U.S. Region acquirers only.

Table 1410492—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region World High Value and
Product Graduation

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104920 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0001 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use MCW_203 (U.S. test card) for ALM processing

DE 38, position 6 = S (High Value)

2 14104920 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0002 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use MPL_203 (U.S. test card) for ALM processing

DE 38, position 6 = T (High Value with Product Graduation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 449
 Dual Message Clearing
Table 1410493—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region Spend Shortfall and Product Graduation)

Table 1410493—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region Spend Shortfall and
Product Graduation)
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for Account
Level Management (ALM) processing of Spend Shortfall and Product Graduation
in clearing messages.

NOTE: These test cases apply to U.S. Region acquirers only.

Table 1410493—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region Spend Shortfall and
Product Graduation)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104930 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0001 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use Card ID MWE_231 for ALM processing

DE 38, position 6 = W (Spend Shortfall)

2 14104930 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0002 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use Card ID MWE_232 for ALM processing

DE 38, position 6 = Y (Spend Shortfall and Product Graduation)

3 14104930 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0003 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use Card ID MWE_233 for ALM processing

DE 38, position 6 = P (Product Graduation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 450
 Dual Message Clearing
Table 1410493—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region Spend Shortfall and Product Graduation)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14104930 1 1 C POS PURCHASE OR PURCHASE WITH CASH
0004 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use Card ID MWE_230 for ALM processing

DE 38, position 6 = Z (Account Range participates in ALM but Account Number
does not)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 451
 Dual Message Clearing
Table 1410494—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region Small Business Spend and Product Graduation)

Table 1410494—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region Small Business Spend and
Product Graduation)
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for Account
Level Management (ALM) processing of Small Business Spend and Product
Graduation in clearing messages.

NOTE: These test cases apply to U.S. Region acquirers only.

Table 1410494—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (U.S. Region Small Business Spend and
Product Graduation)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104940 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0001 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use following Test Accounts for ALM processing:

MCB_261 (Account Category Code C)
MEB_261 (Account Category Code C)
MPC_261 (Account Category Code C)
MWB_261 (Account Category Code C)
MAB_261 (Account Category Code C)
MCB_262 (MCB graduated to MWB; Account Category Code D)
MWB_262 (MWB graduated to MPC; Account Category Code D)
DE 38, position 6 = C (Level 1 Small Business Spend) or D (Level 1 Small Business
Spend and Product Graduation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 452
 Dual Message Clearing
Table 1410494—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region Small Business Spend and Product Graduation)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14104940 1 1 C POS PURCHASE OR PURCHASE WITH CASH
0002 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use following Test Accounts for ALM processing:

MCB_263 (Account Category Code E)
MEB_263 (Account Category Code E)
MPC_263 (Account Category Code E)
MWB_263 (Account Category Code E)
MAB_263 (Account Category Code E)
MPC_264 (MPC graduated to MWB; Account Category Code F)
MWB_264 (MWB graduated to MEB; Account Category Code F)
DE 38, position 6 = E (Level 2 Small Business Spend ) or F (Level 2 Small Business
Spend and Product Graduation)

3 14104940 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0003 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use following Test Accounts for ALM processing:

MCB_265 (Account Category Code G)
MEB_265 (Account Category Code G)
MPC_265 (Account Category Code G)
MWB_265 (Account Category Code G)
MAB_265 (Account Category Code G)
MEB_266 (MEB graduated to MWB; Account Category Code H)
MWB_266 (MWB graduated to MCB; Account Category Code H)
DE 38, position 6 = G (Level 3 Small Business Spend) or H (Level 3 Small Business
Spend and Product Graduation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 453
 Dual Message Clearing
Table 1410494—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (U.S. Region Small Business Spend and Product Graduation)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14104940 1 1 C POS PURCHASE OR PURCHASE WITH CASH
0004 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use following Test Accounts for ALM processing:

MCB_267 (Account Category Code J)
MEB_267 (Account Category Code J)
MPC_267 (Account Category Code J)
MWB_267 (Account Category Code J)
MAB_267 (Account Category Code J)
MWB_268 (MWB graduated to MAB; Account Category Code K)
MAB_268 (MAB graduated to MWB; Account Category Code K)
DE 38, Position 6 = J (Level 4 Small Business Spend) or K (Level 4 Small Business
Spend and Product Graduation)

5 14104940 1 1 C POS PURCHASE OR PURCHASE WITH CASH

0005 BACK OR UNIQUE TRANSACTION AND CVM OF
CUSTOMER CHOICE

Use following Test Accounts for ALM processing:

MCB_270 (Account Category Code Q)
MEB_270 (Account Category Code Q)
MPC_270 (Account Category Code Q)
MWB_270 (Account Category Code Q)
MAB_270 (Account Category Code Q)
MWB_271 (MWB graduated to MAB; Account Category Code R)
MAB_271 (MAB graduated to MWB; Account Category Code R)
DE 38, Position 6 = Q (Level 5 Small Business Spend) or R (Level 5 Small Business
Spend and Product Graduation)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 454
 Dual Message Clearing
Table 1410499—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (Canada Region)

Table 1410499—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (Canada Region)
The following test cases will test whether an acquirer's Dual Message clearing
application can send a valid customer-generated file for Account Level
Management (ALM) processing of certain premium card programs in First
Presentment/1240 messages.

NOTE: These test cases apply to Canada domestic consumer credit transactions only.

Table 1410499—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Account Level Management (Canada Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14104990 1 1 C POS PURCHASE SIGNATURE

0001

Use Test Card MCC_904 for ALM processing to obtain Account Category Code Q
Card Program ID: MCC GCMS Product ID: MSP based upon PAN registered in ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 00 or 18
DE 38, position 6 = Q (Muse Mastercard Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

2 14104990 1 1 C POS REFUND SIGNATURE

0002

Use Test Card MCC_904 for ALM processing to obtain Account Category Code Q
Card Program ID: MCC GCMS Product ID: MSP based upon PAN registered in ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 20
DE 38, position 6 = Q (Muse Mastercard Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 455
 Dual Message Clearing
Table 1410499—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (Canada Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14104990 1 1 C POS PURCHASE SIGNATURE
0003

Use Test Card MCC_905 for ALM processing to obtain Account Category Code A
Card Program ID: MCC GCMS Product ID: MSP based upon PAN registered in ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 00 or 18
DE 38, position 6 = A (Muse Mastercard Requalified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

4 14104990 1 1 C POS REFUND SIGNATURE

0004

Use Test Card MCC_905 for ALM processing to obtain Account Category Code A
Card Program ID: MCC GCMS Product ID: MSP based upon PAN registered in ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 20
DE 38, position 6 = A (Muse Mastercard Requalified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

5 14104990 1 1 C POS PURCHASE SIGNATURE

0005

Use Test Card MCC_906 for ALM processing to obtain Account Category Code J
Card Program ID: MCC GCMS Product ID: MWE based upon PAN registered in
ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 00 or 18
DE 38, position 6 = J (World Elite Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 456
 Dual Message Clearing
Table 1410499—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (Canada Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
6 14104990 1 1 C POS REFUND SIGNATURE
0006

Use Test Card MCC_906 for ALM processing to obtain Account Category Code J
Card Program ID: MCC GCMS Product ID: MWE based upon PAN registered in
ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 20
DE 38, position 6 = J (World Elite Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

7 14104990 1 1 C POS PURCHASE SIGNATURE

0007

Use Test Card MCC_907 for ALM processing to obtain Account Category Code J
Card Program ID: MCC GCMS Product ID: MWE based upon PAN registered in
ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 00 or 18
DE 38, position 6 = X (World Elite Requalified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

8 14104990 1 1 C POS REFUND SIGNATURE

0008

Use Test Card MCC_907 for ALM processing to obtain Account Category Code J
Card Program ID: MCC GCMS Product ID: MWE based upon PAN registered in
ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 20
DE 38, position 6 = X (World Elite Requalified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 457
 Dual Message Clearing
Table 1410499—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (Canada Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
9 14104990 1 1 C POS PURCHASE SIGNATURE
0009

Use Test Card MCC_908 for ALM processing to obtain Account Category Code G
Card Program ID: MCC GCMS Product ID: MPE based upon PAN registered in ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 00 or 18
DE 38, position 6 = G (Name for GCMS Product ID MPE Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

10 14104990 1 1 C POS REFUND SIGNATURE

0010

Use Test Card MCC_908 for ALM processing to obtain Account Category Code G
Card Program ID: MCC GCMS Product ID: MPE based upon PAN registered in ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 20
DE 38, position 6 = G (Name for GCMS Product ID MPE Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

11 14104990 1 1 C POS PURCHASE SIGNATURE

0011

Use Test Card MCC_909 for ALM processing to obtain Account Category Code E
Card Program ID: MCC GCMS Product ID: MCW based upon PAN registered in
ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 00 or 18
DE 38, position 6 = E (World Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 458
 Dual Message Clearing
Table 1410499—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Account Level Management (Canada Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
12 14104990 1 1 C POS REFUND SIGNATURE
0012

Use Test Card MCC_909 for ALM processing to obtain Account Category Code E
Card Program ID: MCC GCMS Product ID: MCW based upon PAN registered in
ALM
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 20
DE 38, position 6 = E (World Qualified)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

13 14104990 1 1 C POS PURCHASE SIGNATURE

0013

Use Test Card MCC_901 for ALM processing to obtain Account Category Code Z
Card Program ID: MCC GCMS Product ID: any licensed product for brand MCC
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 00 or 18
DE 38, position 6 = Z (Account range participates in ALM but account number does
not)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

14 14104990 1 1 C POS REFUND SIGNATURE

0014

Use Test Card MCC_901 for ALM processing to obtain Account Category Code Z
Card Program ID: MCC GCMS Product ID: any licensed product for brand MCC
DE 3 (Processing Code), SF 1 (Cardholder Transaction Type) = 20
DE 38, position 6 = Z (Account range participates in ALM but account number does
not)
DE 63 (Transaction Life Cycle ID) built from DE 15 and DE 63 of the authorization
message

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 459
 Dual Message Clearing
Table 1410501—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Installment and Non-installment Payment Transactions (Brazil)

Table 1410501—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Installment and Non-installment Payment Transactions (Brazil)
The following test cases will test whether an acquirer Dual Message clearing
application is able to send properly formatted installment payment and non-
installment First Presentments acquired in Brazil.

NOTE: For interchange programs details, including valid product codes, refer to the
Interchange Manual-LAC Region available on Publications.

Table 1410501—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Installment and Non-installment Payment Transactions (Brazil)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14105010 1 1 M MSR PURCHASE OR UNIQUE SIGNATURE

0001

NON-INSTALLMENT TRANSACTION
DE 3 = 00 Purchase (Goods and Services) or 18 Unique Transaction (requires
unique MCC)
PDS 0158, SF 4 = Must be a valid Brazil Non-Installment Interchange program
PDS 0663 is not present

2 14105010 1 1 M MSR PURCHASE OR UNIQUE SIGNATURE

0002

INSTALLMENT WITH INTEREST TRANSACTION

DE 3 = 00 Purchase (Goods and Services) or 18 Unique Transaction (requires
unique MCC)
PDS 0158, SF 4 = Must be a valid Brazil Non-Installment Interchange program
PDS 0663, position 1- 3 = 403 (with interest/issuer-financed)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 460
 Dual Message Clearing
Table 1410501—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Installment and Non-installment Payment Transactions (Brazil)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14105010 1 1 M MSR PURCHASE OR UNIQUE SIGNATURE
0003

INSTALLMENT TRANSACTION
DE 3 = 00 Purchase (Goods and Services) or 18 Unique Transaction (requires
unique MCC)
PDS 0501, SF 1 = 99
PDS 0501, SF 2 = 000
PDS 0158, SF 4 = Must be a valid Brazil Installment Interchange program

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 461
 Dual Message Clearing
Table 1410508—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Installment Payment Service (Philippines)

Table 1410508—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Installment Payment Service (Philippines)
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for the
Philippines Credit Installment Payments Processing in clearing messages.

NOTE: These test transactions only apply to Acquirers participating in BSA 4/608001
Philippines Intracountry for Installment Payments Processing and only apply to Mastercard
(MCC) acceptance brand. For interchange programs details, refer to the Interchange
Manual—AP Region available on Publications.

Table 1410508—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Installment Payment Service (Philippines)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14105080 1 1 M MSR PURCHASE SIGNATURE

0001

DE 4 = 000000005500 (Transaction Amount)

PDS 0181, SF 1 = 21 (Merchant Financed)
PDS 0181, SF 2 = 02 (Number of Installments)
PDS 0181, SF 3 = 00000 (Interest Rate)
PDS 0181, SF 4 = 000000005000 (First Installment Amount)
PDS 0181, SF 5 = 000000000500 (Subsequent Installment Amount)
PDS 0158, SF 4 = 90 (Philippines Intracountry Installment Tenure 1)

2 14105080 1 1 M MSR PURCHASE SIGNATURE

0002

DE 4 = 000000004000 (Transaction Amount)

PDS 0181, SF 1 = 21 (Merchant Financed)
PDS 0181, SF 2 = 05 (Number of Installments)
PDS 0181, SF 3 = 00000 (Interest Rate)
PDS 0181, SF 4 = 000000002000 (First Installment Amount)
PDS 0181, SF 5 = 000000000500 (Subsequent Installment Amount)
PDS 0158, SF 4 = 91 (Phillipines Intracountry Installment Tenure 2)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 462
 Dual Message Clearing
Table 1410508—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Installment Payment Service (Philippines)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14105080 1 1 M MSR PURCHASE SIGNATURE
0003

DE 4 = 000000070000 (Transaction Amount)

PDS 0181, SF 1 = 21 (Merchant Financed)
PDS 0181, SF 2 = 07 (Number of Installments)
PDS 0181, SF 3 = 00000 (Interest Rate)
PDS 0181, SF 4 = 000000010000 (First Installment Amount)
PDS 0181, SF 5 = 000000010000 (Subsequent Installment Amount)
PDS 0158, SF 4 = 92 (Phillipines Intracountry Installment Tenure 3)

4 14105080 1 1 M MSR PURCHASE SIGNATURE

0004

DE 4 = 00000011000 (Transaction Amount)

PDS 0181, SF 1 = 21 (Merchant Financed)
PDS 0181, SF 2 = 11 (Number of Installments)
PDS 0181, SF 3 = 00000 (Interest Rate)
PDS 0181, SF 4 = 000000001000 (First Installment Amount)
PDS 0181, SF 5 = 000000001000 (Subsequent Installment Amount)
PDS 0158, SF 4 = 93 (Phillipines Intracountry Installment Tenure 4)

5 14105080 1 1 M MSR PURCHASE SIGNATURE

0005

DE 4 = 000000035500 (Transaction Amount)

PDS 0181, SF 1 = 21 (Merchant Financed)
PDS 0181, SF 2 = 24 (Number of Installments)
PDS 0181, SF 3 = 00000 (Interest Rate)
PDS 0181, SF 4 = 000000001000 (First Installment Amount)
PDS 0181, SF 5 = 000000001500 (Subsequent Installment Amount)
PDS 0158, SF 4 = 94 (Phillipines Intracountry Installment Tenure 5)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 463
 Dual Message Clearing
Table 1410515—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Japan)

Table 1410515—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Japan)
The following test cases will test whether an acquirer's Dual Message clearing
application is able to submit presentments for Japan domestic POS transactions
containing Japan Payment Option data in PDS 0195.

Table 1410515—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Japan)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14105150 1 1 C POS CP BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Existing Japan Interchange Programs

Card Program ID: MCC and, where applicable DMC for the submitted IRD and
GCMS Product ID: Applicable products
DE 3.1 = 00—Purchase (Goods and Services), 20—Credit (Purchase Return), and,
where applicable, 18—Unique Transaction (requires unique MCC) as required for
the submitted IRD
DE 26 = any applicable value associated with CAB programs for the submitted IRD
PDS 0158, SF 4 (IRD) = various
PDS 0195 present with valid values
Containing the appropriate other transaction data for the applicable IRDs

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 464
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Paraguay)
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for various
Paraguay Domestic Processing clearing messages.

NOTE: Mastercard is supporting Paraguay-specific transaction information in PDS 1001

and PDS 1026-1028, and business service arrangement 4/600001 in PDS 0158 (Business
Activity).

Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0001 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 1
DE 26 (CAB) = 5722 (Household Appliance Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
PDS 1001 = 20030600000000000000 Issuer-financed 3 installments
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 465
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0002 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 2
DE 26 (CAB) = 5310 (Discount Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
PDS 1001 = 20060600000000000000 Issuer-financed 6 installments
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

3 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0003 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 3
DE 26 (CAB) = 5411 (Grocery Stores, Supermarkets)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
PDS 1001 = 20120600000000000000 Issuer-financed 12 installments
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 466
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0004 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 4
DE 26 (CAB) = 5399 (Miscellaneous General Merchandise Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
PDS 1001 = 21021600000000000000 Grace period 30 days and 2 installments
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

5 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0005 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 5
DE 26 (CAB) = 5311 (Department Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421072
PDS 1001 = 21032600000000000000 Grace period 60 days and 3 installments
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 467
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
6 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0006 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 6
DE 26 (CAB) = 5122 (Drugs, Drug Proprietors, and Druggists Sundries)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
PDS 1001 = 22020600000000000000 Merchant-financed 2 installments
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

7 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0007 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 7
DE 26 (CAB) = 4511 (Air Carriers, Airlines—Not Elsewhere Classified)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
PDS 1001 = 22030600000000000000 Merchant-financed 3 installments
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 468
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
8 14105450 1 1 C CREDENTIAL ON FILE PURCHASE NO CVM
0008

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 8
DE 22, SF 5 = 4 (Cardholder not present [standing order/recurring transactions])
DE 22, SF 7 = 7 (Credential on File)
DE 26 (CAB) = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421071
Below PDSs only applicable for Special Government Services
PDS 1026 (Payment Invoice Period) ans-6 MMYYYY format
PDS 1027 (Merchant Reference Information: NIS, telephone number or Cadastre
ID) ans-22
PDS 1028 (Recurrent Payment Fee Indicator) n-1 = 1 (Indicates that the
transaction corresponds to the fee charged by the local utility company to
cardholders)
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 469
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
9 14105450 1 1 C CREDENTIAL ON FILE PURCHASE NO CVM
0009

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 9
DE 22, SF 5 = 4 (Cardholder not present [standing order/recurring transactions])
DE 22, SF 7 = 7 (Credential on File)
DE 26 (CAB) = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421070
Below PDSs only applicable for Special Government Services
PDS 1026 (Payment Invoice Period) ans-6 MMYYYY format
PDS 1027 (Merchant Reference Information: NIS, telephone number or Cadastre
ID) ans-22
PDS 1028 (Recurrent Payment Fee Indicator) n-1 = 1 (Indicates that the
transaction corresponds to the fee charged by the local utility company to
cardholders)
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 470
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
10 14105450 1 1 C CREDENTIAL ON FILE PURCHASE NO CVM
0010

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 10
DE 22, SF 5 = 4 (Cardholder not present [standing order/recurring transactions])
DE 22, SF 7 = 7 (Credential on File)
DE 26 (CAB) = 9311 (Tax Payments)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
Below PDSs only applicable for Special Government Services
PDS 1026 (Payment Invoice Period) ans-6 MMYYYY format
PDS 1027 (Merchant Reference Information: NIS, telephone number or Cadastre
ID) ans-22
PDS 1028 (Recurrent Payment Fee Indicator) n-1 = 1 (Indicates that the
transaction corresponds to the fee charged by the local utility company to
cardholders)
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

11 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0011 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 11
DE 26 (CAB) = 5411 (Grocery Stores, Supermarkets)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421069
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 471
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
12 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0012 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 12
DE 26 (CAB) = 5814 (Fast Food Restaurants)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

13 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0013 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 13
DE 26 (CAB) = 9399 (Government Services—not elsewhere classified)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 472
 Dual Message Clearing
Table 1410545—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
14 14105450 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0014 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400545 test case 14
DE 26 (CAB) = 5541 (Service Stations [with or without Ancillary Services])
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 473
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Paraguay)
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for various
Paraguay Domestic Processing clearing messages.

NOTE: Mastercard is supporting Paraguay-specific transaction information in PDS 1001

and PDS 1026-1028, and business service arrangement 4/600001 in PDS 0158 (Business
Activity).

Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0001 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 1
DE 26 (CAB) = 9399 (Government Services—not elsewhere classified)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 474
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0002 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 2
DE 26 (CAB) = 5541 (Service Stations [with or without Ancillary Services])
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

3 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0003 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 3
DE 26 (CAB) = 5411 (Grocery Stores, Supermarkets)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 475
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0004 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 4
DE 26 (CAB) = 5399 (Miscellaneous General Merchandise Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

5 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0005 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 5
DE 26 (CAB) = 5814 (Fast Food Restaurants)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 476
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
6 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0006 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 6
DE 26 (CAB) = 9311 (Tax Payments)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

7 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0007 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 7
DE 26 (CAB) = 5310 (Discount Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 477
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
8 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0008 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 8
DE 26 (CAB) = 4511 (Air Carriers, Airlines—Not Elsewhere Classified)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

9 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0009 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 9
DE 26 (CAB) = 5722 (Household Appliance Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 478
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
10 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0010 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 10
DE 26 (CAB) = 5122 (Drugs, Drug Proprietors, and Druggists Sundries)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) if applicable
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

11 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0011 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

04005465 test case 11
DE 26 (CAB) = 5411 (Grocery Stores, Supermarkets)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421069
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 479
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
12 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0012 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 12
DE 26 (CAB) = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421070
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

13 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER

0013 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 13
DE 26 (CAB) = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421071
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 480
 Dual Message Clearing
Table 1410546—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Paraguay)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
14 14105460 1 1 C POS PURCHASE AND CVM OF CUSTOMER
0014 CHOICE

First Presentment/1240 associated to Authorization Request/0100 in table

0400546 test case 14
DE 26 (CAB) = 5311 (Department Stores)
PDS 0158, SF 1 (Card Program Identifier) = MCC (Mastercard Credit)
PDS 0158, SF 2 (Business Service ID Code) = 4 (Intracountry)
PDS 0158, SF 3 (Business Service Arrangement Type Code) = 6000001
PDS 0158, SF 4 (Interchange Rate Designator) = 01
PDS 0176 (Mastercard Assigned ID) = 421072
Must contain all other appropriate transaction data for submitted business
transaction and IRD 01

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 481
 Dual Message Clearing
Table 1410550—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Colombia)

Table 1410550—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Colombia)
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for various
Colombia Domestic Processing clearing messages.

NOTE: Mastercard is supporting Colombia-specific transaction information in DE 54

amount type 44 (Amount Gratuity), PDS 1001-1019 (Member-to-Member Proprietary
Data), and business service arrangement 4/170001 in PDS 0158 (Business Activity). Test
cases for Installment Purchase transactions in the below table apply to Mastercard (MCC)
acceptance brand only.

Table 1410550—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Colombia)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14105500 N/A 1 C MSR PURCHASE SIGNATURE

0001

Restaurant transaction with gratuity

DE 26 (Card Acceptor Business Code [MCC])= 5812 (Eating Places, Restaurants)
DE 32 (Acquiring Institution ID Code) = 999692
DE 33 (Forwarding Institution ID Code) = 999692
DE 54 present with gratuity amount
PDS 1001 to PDS 1019 with domestic data, PDS 0777 present

2 14105500 N/A 1 C MSR CASH ADVANCE SIGNATURE

0002

Cash advance transaction

PDS 1001 to PDS 1018 with domestic data, PDS 0777 present

3 14105500 N/A 1 C MANUAL ENTRY MO/TO PURCHASE NO CVM

0003

Purchase transaction with 3 installments

PDS 1001 to PDS 1018 with domestic data, PDS 0777 present, PDS 1012 present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 482
 Dual Message Clearing
Table 1410550—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Colombia)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
4 14105500 N/A 1 C MSR PURCHASE WITH CASH BACK SIGNATURE
0004

Purchase transaction for Utilities payment

PDS 1012 (Customer ID)= 123456789bb (test value)
PDS 1006 (Original Processing Code)= 150000
PDS 1001-1005, 1013, 1014 and/or 1015, 1016-1017 present

5 14105500 N/A 1 C MSR PURCHASE SIGNATURE

0005

Purchase transaction using MAID for 12 installments

PDS 1001 to PDS 1018 with domestic data, PDS 0777 present, PDS 0176 present

6 14105500 N/A 1 C MSR CAT LEVEL 9 PURCHASE SIGNATURE

0006

Purchase transaction for 2 installments

PDS 1001 to PDS 1018 with domestic data, PDS 0777 present

7 14105500 N/A 1 C ELECTRONIC COMMERCE PURCHASE NO CVM

0007

Purchase transaction with installments

PDS 1001 to PDS 1018 with domestic data, PDS 0777 present, PDS 1012 present

8 14105500 N/A 1 C MSR PURCHASE SIGNATURE

0008

Purchase transaction for Utilities payment

PDS 1006 (Original Processing Code) = 150000
PDS 1001 to PDS 1018 with domestic data

9 14105500 N/A 1 C MSR PURCHASE SIGNATURE

0009

Purchase transaction for Bill payment

PDS 1012 (Customer ID) = 123456789bb (test value)
PDS 1006 (Original Processing Code) = 350000
PDS 1007 (Bill Payment/Top Up Data) present
PDS 1001 to PDS 1018 with domestic data

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 483
 Dual Message Clearing
Table 1410550—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Colombia)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
10 14105500 N/A 1 C MSR PURCHASE SIGNATURE
0010

Purchase transaction for Cellular phone top up payment

PDS 1012 (Customer ID) = 123456789bb (test value)
PDS 1006 (Original Processing Code) = 380000
PDS 1007 (Bill Payment/Top Up Data) present
PDS 1001 to PDS 1018 with domestic data

11 14105500 N/A 1 C MSR PAYMENT SIGNATURE

0011

Payment transaction
PDS 1001 to PDS 1018 with domestic data, PDS 0043 present

12 14105500 N/A 1 C MANUAL ENTRY PAYMENT NO CVM

0012

Payment transaction
PDS 1001 to PDS 1018 with domestic data, PDS 0043 present

13 14105500 N/A 1 C MSR ACIERTA PURCHASE SIGNATURE

0013

Acierta Purchase transaction, DE 38 = ACXXXX

PDS 1001 to PDS 1018 with domestic data, PDS 0777 present

14 14105500 N/A 1 C MSR PURCHASE SIGNATURE

0014

Purchase transaction with issuer promotional reimbursement

PDS 1001 to PDS 1018 with domestic data, PDS 0777 may be present, PDS 1019
with data/amount present

Presentment/1240 - Reversal of First Presentment

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 484
 Dual Message Clearing
Table 1410550—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Colombia)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
15 14105500 N/A 1 C ELECTRONIC COMMERCE PURCHASE NO CVM
0015

Electronic Commerce Purchase transaction

DE 3, SF 1 = 00 Purchase (Goods and Services)
PDS 0208, SF 1 = Payment Facilitator ID is present (n-11)
PDS 0208, SF 2 = Sub-Merchant ID is present (ans-15, left justified with trailing
spaces)
PDS 0209 = Independent Sales Organization ID is present (n-11)
DE 43, SF 1 = payment facilitator name (ans-3, ans-7, or ans-12) * sub-merchant
name
DE 43, SF 2 = sub-merchant Street Address
DE 43, SF 3 = sub-merchant City
DE 43, SF 4 = sub-merchant Postal Code
DE 43, SF 5 = sub-merchant State, Province, or Region Code)
DE 43, SF 6 = sub-merchant Country Code

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 485
 Dual Message Clearing
Table 1410560—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Chile)

Table 1410560—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Chile)
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for various
Chile Domestic Processing clearing messages.

Table 1410560—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Domestic Processing (Chile)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14105600 0 1 M MSR PURCHASE ONLINE PIN

0001

DE 4 = $120,000.00
DE26 (Card Acceptor Business Code [MCC])= 4511 (AIR CARRIERS, AIRLINES-
NOT ELSEWHERE CLASSIFIED)
DE 43 (Merchant Name) = SKY AIRLINES

2 14105600 0 1 M MSR PURCHASE ONLINE PIN

0001

DE 4 = $100,000.00
DE26 (Card Acceptor Business Code [MCC])= 4784 (BRIDGE AND ROAD FEES,
TOLLS)
DE 43 (Merchant Name) = COSTANERA NORTE

3 14105600 0 1 M MSR PURCHASE ONLINE PIN

0003

DE 4 = $75,000.00
DE26 (Card Acceptor Business Code [MCC])= 4899 (CABLE, SATELLITE, OTHER
PAY TELEVISION, RADIO SVCS)
DE 43 (Merchant Name) = MOVISTAR

4 14105600 0 1 M MSR PURCHASE ONLINE PIN

0004

DE 4 = $60,000.00
DE26 (Card Acceptor Business Code [MCC])= 4900 (UTLTS-ELCTRC, GAS,
HEATING OIL, SANITARY, WATER)
DE 43 (Merchant Name) = ABASTIBLE

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 486
 Dual Message Clearing
Table 1410560—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Chile)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
5 14105600 0 1 M MSR PURCHASE ONLINE PIN
0005

DE 4 = $125,000.00
DE26 (Card Acceptor Business Code [MCC])= 5251 (HARDWARE STORES)
DE 43 (Merchant Name) = COVEPA

6 14105600 0 1 M MSR PURCHASE ONLINE PIN

0006

DE 4 = $130,000.00
DE26 (Card Acceptor Business Code [MCC])= 5311 (DEPARTMENT STORES)
DE 43 (Merchant Name) = FALABELLA

7 14105600 0 1 M MSR PURCHASE ONLINE PIN

0007

DE 4 = $80,000.00
DE26 (Card Acceptor Business Code [MCC])= 5411 (GROCERY STORES,
SUPERMARKETS)
DE 43 (Merchant Name) = EXP LIDER

8 14105600 0 1 M MSR PURCHASE ONLINE PIN

0008

DE 4 = $85,000.00
DE26 (Card Acceptor Business Code [MCC])= 5411 (GROCERY STORES,
SUPERMARKETS)
DE 43 (Merchant Name) = ALVI

9 14105600 0 1 M MSR PURCHASE ONLINE PIN

0009

DE 4 = $90,000.00
DE26 (Card Acceptor Business Code [MCC])= 5411 (GROCERY STORES,
SUPERMARKETS)
DE 43 (Merchant Name) = SUPERMERCADO GRECIA

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 487
 Dual Message Clearing
Table 1410560—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Chile)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
10 14105600 0 1 M MSR PURCHASE ONLINE PIN
0010

DE 4 = $65,000.00
DE26 (Card Acceptor Business Code [MCC])= 5541 (SERVICE STATIONS WITH OR
WITHOUT ANCILLARY SERVICE)
DE 43 (Merchant Name) = COPEC

11 14105600 0 1 M MSR PURCHASE ONLINE PIN

0011

DE 4 = $110,000.00
DE26 (Card Acceptor Business Code [MCC])= 5814 (FAST FOOD RESTAURANTS)
DE 43 (Merchant Name) = BURGER KING

12 14105600 0 1 M MSR PURCHASE ONLINE PIN

0012

DE 4 = $145,000.00
DE26 (Card Acceptor Business Code [MCC])= 5912 (DRUG STORES,
PHARMACIES)
DE 43 (Merchant Name) = SALCOBRAND

13 14105600 0 1 M MSR PURCHASE ONLINE PIN

0013

DE 4 = $150,000.00
DE26 (Card Acceptor Business Code [MCC])= 5912 (DRUG STORES,
PHARMACIES)
DE 43 (Merchant Name) = C. VERDE

14 14105600 0 1 M MSR PURCHASE ONLINE PIN

0014

DE 4 = $135,000.00
DE26 (Card Acceptor Business Code [MCC])= 6513 (Real Estate Agents and
Managers—Rentals)
DE 43 (Merchant Name) = CONDOMINIO (Gastos comunes)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 488
 Dual Message Clearing
Table 1410560—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Chile)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
15 14105600 0 1 M MSR PURCHASE ONLINE PIN
0015

DE26 (Card Acceptor Business Code [MCC])= 6536 (MONEYSEND -

INTRACOUNTRY)
DE 43 (Merchant Name) = CHILEXPRESS MONEY SEND

16 14105600 0 1 M MSR PURCHASE ONLINE PIN

0016

DE 4 = $140,000.00
DE26 (Card Acceptor Business Code [MCC])= 8011 (DOCTORS, (NOT
ELSEWHERE CLASSIFIED))
DE 43 (Merchant Name) = ORTOMEDICA

17 14105600 0 1 M MSR PURCHASE ONLINE PIN

0017

DE 4 = $70,000.00
DE26 (Card Acceptor Business Code [MCC])= 8211 (SCHOOLS, ELEMENTARY
AND SECONDARY)
DE 43 (Merchant Name) = CFT SANTO TOMAS

18 14105600 0 1 M MSR PURCHASE ONLINE PIN

0018

DE 4 = $55,000.00
DE26 (Card Acceptor Business Code [MCC])= 8398 (ORGANIZATIONS,
CHARITABLE AND SOCIAL SERVICES)
DE 43 (Merchant Name) = FUNDAC. LAS ROSAS

19 14105600 0 1 M MSR PURCHASE ONLINE PIN

0019

DE 4 = $50,000.00
DE26 (Card Acceptor Business Code [MCC])= 9311 (TAX PAYMENTS)
DE 43 (Merchant Name) = S.I.I.CONTRIBUCIONES

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 489
 Dual Message Clearing
Table 1410560—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Domestic Processing (Chile)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
20 14105600 0 1 M MSR PURCHASE ONLINE PIN
0020

DE 4 = $115,000.00
DE26 (Card Acceptor Business Code [MCC])= 4511 (AIR CARRIERS, AIRLINES-
NOT ELSEWHERE CLASSIFIED)
DE 43 (Merchant Name) = LAN

21 14105600 0 1 M MSR PURCHASE ONLINE PIN

0021

DE26 (Card Acceptor Business Code [MCC])= 5511 (AUTO and TRUCK DLRS-
SALES,SVC, REPRS,PRTS, and LEASING)
DE 43 (Merchant Name) = KLASSIK CAR S.A.

Presentment/1240 - Second Presentment(Full)

22 14105600 0 1 M MSR PURCHASE ONLINE PIN

0022

DE26 (Card Acceptor Business Code [MCC])= 5814 (FAST FOOD RESTAURANTS)
DE 43 (Merchant Name) = BURGER KING

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 490
 Dual Message Clearing
Table 1410601—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Contactless Magnetic Stripe (All Business Transactions)

Table 1410601—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Contactless Magnetic Stripe (All Business Transactions)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send a valid customer-generated file containing correctly
formatted clearing messages.

Table 1410601—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Contactless Magnetic Stripe (All Business Transactions)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14106010 1 1 C MSR CONTACTLESS PURCHASE SIGNATURE

0001

2 14106010 1 1 C MSR CONTACTLESS PURCHASE ONLINE PIN

0002

3 14106010 1 1 C MSR CONTACTLESS CASH ADVANCE

0003 SIGNATURE

4 14106010 1 1 C MSR CONTACTLESS CASH ADVANCE ONLINE

0004 PIN

5 14106010 1 1 C MSR CONTACTLESS CAT LEVEL 1 PURCHASE

0005 ONLINE PIN

6 14106010 1 1 C MSR CONTACTLESS CAT LEVEL 2 PURCHASE NO

0006 CVM

7 14106010 1 1 C MSR CONTACTLESS CAT LEVEL 3 PURCHASE NO

0007 CVM

8 14106010 1 1 C MSR CONTACTLESS REFUND NO CVM

0008

9 16104010 1 1 C MSR CONTACTLESS PURCHASE WITH CASH

0009 BACK SIGNATURE

Only supported in Europe region for credit acquirers

10 14106010 1 1 C MSR CONTACTLESS PURCHASE WITH CASH

0010 BACK ONLINE PIN

Only supported in Europe region for credit acquirers

11 14106010 1 1 C MSR CONTACTLESS ATM WITHDRAWAL ONLINE

0021 PIN

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 491
 Dual Message Clearing
Table 1410601—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Contactless Magnetic Stripe (All Business Transactions)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
12 14106010 1 1 C MSR CONTACTLESS ATM PURCHASE ONLINE
0022 PIN

13 14106010 1 1 C MSR CONTACTLESS PURCHASE NO CVM

0013

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 492
 Dual Message Clearing
Table 1410620—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Fleet Cards

Table 1410620—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Fleet Cards
The following test cases will test whether an acquirer Dual Message clearing
application can build and send a valid customer-generated file using Fleet cards.

Table 1410620—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Fleet Cards

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14106200 1 1 C MSR PURCHASE SIGNATURE

0001

Financial Detail Addendum 1644 - Financial Detail Addendum

2 14106200 1 1 C CORPORATE CARD COMMON DATA

0001 REQUIREMENTS

3 14106200 1 1 C CORPORATE LINE ITEM DETAIL

0001

4 14106200 1 1 C CORPORATE FLEET TRANSACTION

0001 INFORMATION

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 493
 Dual Message Clearing
Table 1410621—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Prefunded Model)

Table 1410621—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Prefunded Model)
The following test cases will test whether an acquirer's Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for Transit transactions for the
Prefunded model.

Table 1410621—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Prefunded Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14106220 1 1 C ELECTRONIC COMMERCE PURCHASE NO CVM

0001

Electronic commerce Prefunded Model transit transaction

Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains fare for travel subscription or plan
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0052 (Electronic Commerce Security Level Indicator) contains applicable valid
value
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 01 (Prefunded) and SF 02 (Transportation
Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 494
 Dual Message Clearing
Table 1410622—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Real-Time Authorized Model)

Table 1410622—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Real-Time Authorized Model)
The following test cases will test whether an acquirer's Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for Transit Debt Recovery
transactions for the Real-Time Authorized model.

Table 1410622—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Real-Time Authorized Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14106220 1 1 C MANUAL ENTRY PURCHASE NO CVM

0001

Card not present manual entry debt recovery transit transaction for automatic
debt recovery, mail order, or phone order
Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 495
 Dual Message Clearing
Table 1410622—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Real-Time Authorized Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14106220 1 1 C ELECTRONIC COMMERCE PURCHASE NO CVM
0002

Card not present electronic commerce debt recovery transit transaction

Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0052 (Electronic Commerce Security Level Indicator) contains applicable valid
value
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 496
 Dual Message Clearing
Table 1410623—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Post-Authorized Aggregated Model)

Table 1410623—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Model)
The following test cases will test whether an acquirer's Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for Transit Debt Recovery and/or
Transit Debt Claim transactions for the Post-Authorized Aggregated model.

Table 1410623—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14106230 1 1 C MANUAL ENTRY PURCHASE NO CVM

0001

Card not present manual entry debt recovery transit transaction for automatic
debt recovery, mail order, or phone order
Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 497
 Dual Message Clearing
Table 1410623—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Post-Authorized Aggregated Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14106230 1 1 C ELECTRONIC COMMERCE PURCHASE NO CVM
0002

Card not present electronic commerce debt recovery transit transaction

Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0052 (Electronic Commerce Security Level Indicator) contains applicable valid
value
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 498
 Dual Message Clearing
Table 1410624—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Authorized Aggregated Split Clearing Model)

Table 1410624—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Authorized Aggregated Split Clearing Model)
The following test cases will test whether an acquirer's Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for Transit Debt Recovery and/or
Transit Debt Claintransactions for the Authorized Aggregated Split Clearing
model.

Table 1410624—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Authorized Aggregated Split Clearing Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14106240 1 1 C MANUAL ENTRY PURCHASE NO CVM

0001

Card not present manual entry debt recovery transit transaction for automatic
debt recovery, mail order, or phone order
Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 499
 Dual Message Clearing
Table 1410624—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Authorized Aggregated Split Clearing Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14106240 1 1 C ELECTRONIC COMMERCE PURCHASE NO CVM
0002

Card not present electronic commerce debt recovery transit transaction

Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0052 (Electronic Commerce Security Level Indicator) contains applicable valid
value
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 500
 Dual Message Clearing
Table 1410626—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Post-Authorized Aggregated Maestro Model)

Table 1410626—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Maestro Model)
The following test cases will test whether an acquirer's Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for Transit Debt Recovery and/or
Transit Debt Clain transactions for the Post-Authorized Aggregated Maestro
model.

Table 1410626—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Maestro Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14106260 1 1 C MANUAL ENTRY PURCHASE NO CVM

0001

Card not present manual entry debt recovery transit transaction for automatic
debt recovery, mail order, or phone order
Card Program ID: MSI
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 501
 Dual Message Clearing
Table 1410626—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Transit Program (Post-Authorized Aggregated Maestro Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14106260 1 1 C ELECTRONIC COMMERCE PURCHASE NO CVM
0002

Card not present electronic commerce debt recovery transit transaction

Card Program ID: MSI
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0052 (Electronic Commerce Security Level Indicator) contains applicable valid
value
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210 (Transit Program), SF 01 = 07 (Debt Recovery) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 502
 Dual Message Clearing
Table 1410806—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Mastercard Identity Check

Table 1410806—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Mastercard Identity Check
The following test cases will test whether an acquirer Dual Message clearing
application can build and send a valid customer-generated file that contains
correctly formatted UCAF data in clearing messages.

Table 1410806—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Mastercard Identity Check

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14108060 1 1 C ELECTRONIC COMMERCE BUSINESS

0001 TRANSACTION OF CUSTOMER CHOICE NO CVM

UCAF transaction of customer choice

Mandatory data: PDS 0023 (Terminal Type) = CT6 and PDS 0052 (Electronic
Commerce Security Level Indicator) equal any valid combination of values.
Conditional data per Data Integrity Monitoring Program edits 17 and 18 are PDS
0184 (Directory Server Transaction ID) and PDS 0185 (Accountholder
Authentication Value).
Conditional data PDS 0186 (Program Protocol) is not edited.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 503
 Dual Message Clearing
Table 1410824—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Mobile Remote Payments Program

Table 1410824—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Mobile Remote Payments Program
The following test cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for
Mastercard Mobile Remote Payments Program in clearing messages.

NOTE: These test cases apply to issuers that participate in Mastercard Mobile Remote
Payment (MMRP) Program for the following payment types: mobile prepaid airtime top-up,
mobile bill payments, and remote purchase transactions (also described as person-to-
merchant which includes E-Commerce, Face-to-face or MO/TO transactions). PDS 0198
(Device Type Indicator) must be present when qualifying transaction for certain incentive
interchange programs. Please refer to the Regional Interchange Manuals for applicable
interchange programs.

Table 1410824—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Mobile Remote Payments Program

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14108240 1 1 C SERVER PURCHASE ONLINE PIN

0001

Mobile-initiated purchase via issuer domain with online PIN validation

DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 1 (Issuer Domain)
DE 26 = 4814 (mail, phone, or electronic commerce order)

2 14108240 1 1 C SERVER PURCHASE NO CVM

0002

Mobile-initiated purchase via issuer domain with Accountholder Authentication

Value (AAV) authentication
DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 1 (Issuer Domain)
DE 26 = 4814 (mail, phone, or electronic commerce order)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 504
 Dual Message Clearing
Table 1410824—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Mobile Remote Payments Program

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14108240 1 1 C SERVER PURCHASE NO CVM
0003

Mobile-initiated purchase via acquirer domain with no online validation

DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 2 (Acquirer Domain)
DE 26 = 4814 (mail, phone, or electronic commerce order)

4 14108240 1 1 C SERVER PAYMENT NO CVM

0011

Mobile-initiated payment via issuer domain with Accountholder Authentication

Value (AAV) authentication
DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 1 (Issuer Domain)
DE 26 = 4814 (mail, phone, or electronic commerce order)

5 14108240 1 1 C SERVER PAYMENT NO CVM

0012

Mobile-initiated payment via acquirer domain with no online validation

DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 2 (Acquirer Domain)
DE 26 = 4814 (mail, phone, or electronic commerce order)

6 14108240 1 1 C SERVER PAYMENT ONLINE PIN

0013

Mobile-initiated payment via issuer domain with online validation

DE 22, SF 7 = T (PAN auto entry via server [issuer, acquirer, or third party vendor
system])
PDS 0194 = 1 (Issuer Domain)
DE 26 = 4814 (mail, phone, or electronic commerce order)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 505
 Dual Message Clearing
Table 1410829—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Click to Pay

Table 1410829—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Click to Pay
The following cases will test whether an acquirer Dual Message clearing
application is able to build and send a valid customer-generated file for the Click to
Pay transactions clearing messages.

Table 1410829—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Click to Pay

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14108290 1 1 C ELECTRONIC COMMERCE PURCHASE NO CVM

0001

DE 3 = 00 (Purchase)
PDS 0052, SF 1 = 2 (Channel)
PDS 0052, SF 2 = 2 (Processed through MasterPass)
PDS 0052, SF 3 contains valid value of customer choice
DE 22, SF 7 = S (Electronic commerce)
PDS 0023 = CT6 (CAT level 6 (electronic commerce transaction)
PDS 0207 = 101 (Masterpass by MasterCard)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 506
 Dual Message Clearing
Table 1410833—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—MDES Device Tokens in DSRP, Identity Check, and Click to Pay

Table 1410833—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—MDES Device Tokens in DSRP, Identity Check, and Click to Pay
The following test cases will test whether an acquirer's Dual Message clearing
application can submit properly formatted MDES device token transactions for
Digital Secure Remote Payment (DSRP), Identity Check, and Click to Pay in
Presentments.
Acquirers must submit PDS 0052 with the same Security Level Indicator (SLI) as
provided in DE 48, SE 42 of Authorization Request Response/0110 message.

Table 1410833—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—MDES Device Tokens in DSRP, Identity Check, and Click to Pay

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14108330 1 1 C CREDENTIAL ON FILE PURCHASE NO CVM

0001

MDES device token original and/or partial shipment and recurring payment
transactions.
DE 22, SF 4 = 0 (No terminal used)
DE 22, SF 7 = 7 (Credential on File)
PDS 0023 = NA (Unknown or unavailable)
PDS 0052 (Electronic Commerce Security Level Indicator) contains valid value of
customer choice
PDS 0058 (Token Assurance Level), PDS 0059 (Token Requestor ID), PDS 0198
(Device Type), and/or PDS 0207 (Wallet Identifier) may be present if applicable

Table 1410903—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Flex Card Service (Brazil)
The following test cases will test whether an acquirer's Dual Message clearing
application can submit debit and credit domestic and cross-border transactions to
a Brazil issuer registered for the Flex Card Service containing spaces in Card
Program Identifier.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 507
 Dual Message Clearing
Table 1410903—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Flex Card Service (Brazil)

Table 1410903—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Flex Card Service (Brazil)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14109030 1 1 C POS CP BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Brazil domestic transaction with debit Account Type Indicator indicated in

corresponding authorization (DE 48, SE 14
DE 3, SF 1 (Cardholder Transaction Type Code) = 00 (Purchase), 18 (Unique
Transaction), or 20 (Credit)
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
Account)
DE 26 (Card Acceptor Business Code [MCC]) appropriate value for the submitted
IRD
PDS 0158 (Business Activity), SF 1 (Card Program Identifier) contains spaces and
SF 4 (IRD) value valid for Brazil domestic transaction and acceptance brand DMC
Transactions meet all interchange program criteria not specifically noted in the
test case

2 14109030 1 1 C POS CP BUSINESS TRANSACTION AND CVM OF

0002 CUSTOMER CHOICE

Brazil domestic transaction with credit Account Type Indicator indicated in

corresponding authorization (DE 48, SE 14
DE 3, SF 1 (Cardholder Transaction Type Code) = 00 (Purchase), 18 (Unique
Transaction), or 20 (Credit)
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
(Checking Account)
DE 26 (Card Acceptor Business Code [MCC]) appropriate value for the submitted
IRD
PDS 0158 (Business Activity), SF 1 (Card Program Identifier) contains spaces and
SF 4 (IRD) value valid for Brazil domestic transaction and acceptance brand MCC
Transactions meet all interchange program criteria not specifically noted in the
test case

©2002–2021 Mastercard. Proprietary. All rights reserved.

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Table 1413535—Acquirer Credit and Debit—MSR Product and Services—Customer-generated
File—Merchant Presented QR Payment Refund Transactions

Table 1413535—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Merchant Presented QR Payment Refund Transactions
The following test case will test whether an originating institution's (OI) Dual
Message clearing application that is participating in Merchant Presented QR
service can send Merchant Presented QR Payment Refund transactions.

Table 1413535—Acquirer Credit and Debit—MSR Product and Services—Customer-

generated File—Merchant Presented QR Payment Refund Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 18235350 1 1 C ELECTRONIC COMMERCE PAYMENT REFUND

0021 NO CVM

IRD QR (Merchant Presented QR) available globally

Card Program ID: MCC or DMC; GCMS Product ID appropriate for IRD QR
DE 3 (Processing Code), SF 1 = 28 (Payment)
DE 26 (CAB) = Any value within valid CAB Program for IRD QR
PDS 0004 (Funding Account Information) contains SF 1 (Funding Source) and SF 2
(Sender Account Number)
PDS 0043 = C68 (Merchant Presented QR Refund)
PDS 0052 (Security Level Indicator) = 210
PDS 0158, SF 4 (IRD) = QR
Must contain the appropriate transaction data for submitted transaction type,
MTI, and IRD QR

File Generated by Mastercard

The following test cases will test whether a customer’s acquirer Dual Message
clearing application can receive and process valid files generated by Mastercard
that contains clearing messages.
The following points will be taken into account when building the files generated by
Mastercard for transmission to a customer's host:
• If customers acquire in multiple transaction currencies, the file will contain at
least one example of each of those currencies.

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 Dual Message Clearing
Base Testing

• If customers acquire via multiple Customer IDs, a file will be provided for each of
those Customer IDs.
• The file will contain examples of messages originating from at least three
different issuer Customer IDs.
Customers must confirm that the files generated by Mastercard is received and
successfully processed by their host.

Base Testing
The test cases in this section are described below.
• Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated
File—8-Digit BIN Standard and Account Range Specifications
• Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (ATM)
• Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (POS-CP)
• Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (CNP)
• Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Interchange Rate Programs
• Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Financial Detail Addendum
• Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Service Provider and Merchant Identification
• Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Global Brand Compliance
• Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by
Mastercard—All Business Transactions
• Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (ATM)
• Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (POS-CP)
• Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—Customer-
generated File—Global Brand Compliance
• Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by
Mastercard—All Business Transactions

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Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by Mastercard—All
Business Transactions

Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by

Mastercard—All Business Transactions
The following test cases will test whether an acquirer Dual Message clearing
application can receive and process valid files generated by Mastercard containing
clearing messages.

Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by

Mastercard—All Business Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Retrieval Request/1644 - Retrieval Request

1 14200010 1 1 M BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Retrieval Request/1644 - Reversal of Retrieval Request

2 14200010 1 1 M BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Fee Collection/1740 - Fee Collection Return

3 14200010 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0007

Fee Collection/1740 - Reversal of Fee Collection Return

4 14200010 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0007

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 Dual Message Clearing
Products and Services

Products and Services

The test cases in this section are described below.

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Products and Services

• Table 1410111—Acquirer Credit and Debit—MSR Product and Services—

Customer-generated File—Funding or Funding Refund Transactions
• Table 1410112—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—MoneySend Payment Transactions
• Table 1410121—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Dynamic Currency Conversion
• Table 1410411—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment Payment Service (Global)
• Table 1410415—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mastercard rePower Load Value Payment
Transaction
• Table 1410417—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transaction Integrity Classification (U.S. Region)
• Table 1410424—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Multi-Clearing
• Table 1410451—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Private Label Processing
• Table 1410471—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Real-time Substantiation (U.S. Region)
• Table 1410481—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (Europe Region)
• Table 1410491—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Enhanced
Value and/or Product Graduation)
• Table 1410492—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region World High
Value and Product Graduation
• Table 1410493—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Spend
Shortfall and Product Graduation)
• Table 1410494—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (U.S. Region Small
Business Spend and Product Graduation)
• Table 1410499—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Account Level Management (Canada Region)
• Table 1410501—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment and Non-installment Payment
Transactions (Brazil)
• Table 1410508—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Installment Payment Service (Philippines)
• Table 1410515—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Japan)

©2002–2021 Mastercard. Proprietary. All rights reserved.

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Products and Services

• Table 1410545—Acquirer Credit and Debit—MSR Product and Services—

Customer-generated File—Domestic Processing (Paraguay)
• Table 1410546—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Paraguay)
• Table 1410550—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Colombia)
• Table 1410560—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Domestic Processing (Chile)
• Table 1410601—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Contactless Magnetic Stripe (All Business
Transactions)
• Table 1410620—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Fleet Cards
• Table 1410621—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Prefunded Model)
• Table 1410622—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Real-Time Authorized Model)
• Table 1410623—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Model)
• Table 1410624—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Authorized Aggregated Split
Clearing Model)
• Table 1410626—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Maestro Model)
• Table 1410806—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mastercard Identity Check
• Table 1410824—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Mobile Remote Payments Program
• Table 1410829—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Click to Pay
• Table 1410833—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—MDES Device Tokens in DSRP, Identity Check, and
Click to Pay
• Table 1410903—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Flex Card Service (Brazil)
• Table 1413535—Acquirer Credit and Debit—MSR Product and Services—
Customer-generated File—Merchant Presented QR Payment Refund
Transactions
• Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File
Generated by Mastercard—Merchant Presented QR Payment Transactions
• Table 1420890—Acquirer Credit and Debit—MSR Product and Services—File
Generated by Mastercard—Pay By Account

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Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File Generated by
Mastercard—Merchant Presented QR Payment Transactions

Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File

Generated by Mastercard—Merchant Presented QR Payment Transactions
The following test cases will test whether a receiving institution's (OI) Dual
Message clearing application can process Merchant Presented QR Payment
Presentment transactions.
The following is a listing of the most commonly used DE 18 (Merchant Code) MCC
values:

DE 18 (Merchant Code) MCC values

4111 5541 6300 8249 9222

4121 5542 8211 8299 9311
4131 5960 8220 8398 9399
4900 6051 8241 8661 9402
5411 6211 8244 9211 9405

RIs may test any or all of the above values as well as any other allowed MCC
values.

Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File

Generated by Mastercard—Merchant Presented QR Payment Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

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Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File Generated by
Mastercard—Merchant Presented QR Payment Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
1 14208260 1 1 C ELECTRONIC COMMERCE PAYMENT
0001 TRANSACTION NO CVM

Interregional Merchant Presented QR - region to region

Card Program ID: MCC and DMC; GCMS Product ID appropriate for IRD QR
DE 3 (Processing Code), SF 1 = 28 (Payment)
DE 26 (CAB) = Any value within valid CAB Program for IRD QR
PDS 0004 (Funding Account Information), SF 1 (Funding Source) and SF 2 (Sender
Account Number)
PDS 0043 = C67 (Merchant Presented QR)
PDS 0052 (Security Level Indicator) = 210
PDS 0158, SF 4 (IRD) = QR
Must contain the appropriate transaction data for submitted transaction type,
MTI, and IRD QR

2 14208260 1 1 C ELECTRONIC COMMERCE PAYMENT

0002 TRANSACTION NO CVM

Intraregional Merchant Presented QR - within region

Card Program ID: MCC and DMC; GCMS Product ID appropriate for IRD QR
DE 3 (Processing Code), SF 1 = 28 (Payment)
DE 26 (CAB) = Any value within valid CAB Program for IRD QR
PDS 0004 (Funding Account Information), SF 1 (Funding Source) and SF 2 (Sender
Account Number)
PDS 0043 = C67 (Merchant Presented QR)
PDS 0052 (Security Level Indicator) = 210
PDS 0158, SF 4 (IRD) = QR
Must contain the appropriate transaction data for submitted transaction type,
MTI, and IRD QR

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Table 1420826—Acquirer Credit and Debit—MSR Product and Services—File Generated by
Mastercard—Merchant Presented QR Payment Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14208260 1 1 C ELECTRONIC COMMERCE PAYMENT
0003 TRANSACTION NO CVM

Intracountry Merchant Presented QR - within country

Card Program ID: MCC and DMC; GCMS Product ID appropriate for IRD QR
DE 3 (Processing Code), SF 1 = 28 (Payment)
DE 26 (CAB) = Any value within valid CAB Program for IRD QR
PDS 0004 (Funding Account Information), SF 1 (Funding Source) and SF 2 (Sender
Account Number)
PDS 0043 = C67 (Merchant Presented QR)
PDS 0052 (Security Level Indicator) = 210
PDS 0158, SF 4 (IRD) = QR
Must contain the appropriate transaction data for submitted transaction type,
MTI, and IRD QR

4 14208260 1 1 C ELECTRONIC COMMERCE PAYMENT

0004 TRANSACTION NO CVM

Intercountry Merchant Presented QR - between countries

Card Program ID: MCC and DMC; GCMS Product ID appropriate for IRD QR
DE 3 (Processing Code), SF 1 = 28 (Payment)
DE 26 (CAB) = Any value within valid CAB Program for IRD QR
PDS 0004 (Funding Account Information), SF 1 (Funding Source) and SF 2 (Sender
Account Number)
PDS 0043 = C67 (Merchant Presented QR)
PDS 0052 (Security Level Indicator) = 210
PDS 0158, SF 4 (IRD) = QR
Must contain the appropriate transaction data for submitted transaction type,
MTI, and IRD QR

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Table 1420890—Acquirer Credit and Debit—MSR Product and Services—File Generated by
Mastercard—Pay By Account

Table 1420890—Acquirer Credit and Debit—MSR Product and Services—File

Generated by Mastercard—Pay By Account
The following test cases will test whether an acquirer participating in Pay by
Account token program can receive Dual Message Fee Collection clearing
messages for the Real-Time Payments Settlement Model.

Table 1420890—Acquirer Credit and Debit—MSR Product and Services—File

Generated by Mastercard—Pay By Account

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Fee Collection/1740 - Fee Collection (Member-generated)

1 14208900 1 1 C FEE COLLECTION MESSAGE

0001

Fee Collection/1740-700 message reason code 7606 to debit acquirer for reversal
authorization transactions.

Test Cases—ICC-based Operations

The test cases listed in this section are applicable when upgrading to ICC-based
operations and the Global Brand Compliance Program. Select the appropriate
business transactions from the following tables and conduct the associated test
cases.

NOTE:
The Global Brand Compliance Program is mandated for acquirers outside the U.S. region to
submit On-Us or intraprocessor clearing activity to the Mastercard Processing Center
(Central Site).

• Customer-generated File
• Base Testing
• Products and Services
• File Generated by Mastercard

Customer-generated File
The following test cases will test whether a customer’s acquirer Dual Message
clearing application can build and send a valid customer-generated file that
contains correctly formatted clearing messages.

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Base Testing

Base Testing
The test cases in this section are described below.
• Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated
File—8-Digit BIN Standard and Account Range Specifications
• Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (ATM)
• Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (POS-CP)
• Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (CNP)
• Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Interchange Rate Programs
• Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Financial Detail Addendum
• Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Service Provider and Merchant Identification
• Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Global Brand Compliance
• Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by
Mastercard—All Business Transactions
• Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (ATM)
• Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (POS-CP)
• Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—Customer-
generated File—Global Brand Compliance
• Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by
Mastercard—All Business Transactions

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 Dual Message Clearing
Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated File—All Business
Transactions (ATM)

Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated File—

All Business Transactions (ATM)
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file that
contains correctly formatted clearing messages for various ATM business
transactions and messages types/functions.

Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated File—

All Business Transactions (ATM)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14300010 1 1 M MASTERCARD ICC ATM WITHDRAWAL ONLINE

0001 PIN

2 14300010 1 1 M DEBIT MASTERCARD ICC ATM WITHDRAWAL

0002 ONLINE PIN

3 14300010 1 1 M MAESTRO ICC ATM WITHDRAWAL ONLINE PIN

0003

4 14300010 1 1 M CIRRUS ICC ATM WITHDRAWAL ONLINE PIN

0004

5 14300010 1 1 C MAESTRO ICC ELECTRONIC CASH ADVANCE

0005 ONLINE PIN

6 14300010 1 1 C CIRRUS ICC ELECTRONIC CASH ADVANCE

0006 ONLINE PIN

7 14300010 1 1 C MAESTRO ICC ATM PURCHASE ONLINE PIN

0007

8 14300010 1 1 C CIRRUS ICC ATM PURCHASE ONLINE PIN

0008

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Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File—All Business
Transactions (POS-CP)

Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File—

All Business Transactions (POS-CP)
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file containing
correctly formatted clearing messages for various POS card-present (CP) business
transactions and message types/functions.

Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File—

All Business Transactions (POS-CP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14300020 1 1 M MASTERCARD ICC PURCHASE SIGNATURE

0001

2 14300020 1 1 M DEBIT MASTERCARD ICC PURCHASE SIGNATURE

0002

3 14300020 1 1 M MAESTRO ICC PURCHASE SIGNATURE

0003

4 14300020 1 1 M MASTERCARD ICC PURCHASE ONLINE PIN

0004

5 14300020 1 1 M DEBIT MASTERCARD ICC PURCHASE ONLINE

0005 PIN

6 14300020 1 1 M MAESTRO ICC PURCHASE ONLINE PIN

0006

7 14300020 1 1 M MASTERCARD ICC CASH ADVANCE ONLINE PIN

0007

8 14300020 1 1 M DEBIT MASTERCARD ICC CASH ADVANCE

0008 ONLINE PIN

9 14300020 1 1 M MASTERCARD ICC CASH ADVANCE SIGNATURE

0009

10 14300020 1 1 M DEBIT MASTERCARD ICC CASH ADVANCE

0010 SIGNATURE

11 14300020 1 1 M MASTERCARD ICC CAT LEVEL 1 PURCHASE

0013 ONLINE PIN

12 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 1

0014 PURCHASE ONLINE PIN

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Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File—All Business
Transactions (POS-CP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
13 14300020 1 1 M MASTERCARD ICC CAT LEVEL 2 PURCHASE NO
0015 CVM

14 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 2

0016 PURCHASE NO CVM

15 14300020 1 1 M MASTERCARD ICC CAT LEVEL 3 PURCHASE NO

0017 CVM

16 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 3

0018 PURCHASE NO CVM

17 14300020 1 1 M MASTERCARD ICC CAT LEVEL 4 PURCHASE NO

0019 CVM

18 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 4

0020 PURCHASE NO CVM

19 14300020 1 1 M MASTERCARD ICC CAT LEVEL 7 PURCHASE

0021 SIGNATURE

20 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 7

0022 PURCHASE SIGNATURE

21 14300020 1 1 M MASTERCARD ICC CAT LEVEL 9 PURCHASE

0023 ONLINE PIN

22 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 9

0024 PURCHASE ONLINE PIN

23 14300020 1 1 M MASTERCARD ICC CAT LEVEL 9 PURCHASE

0025 SIGNATURE

24 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 9

0026 PURCHASE SIGNATURE

25 14300020 1 1 M MASTERCARD ICC CAT LEVEL 9 PURCHASE NO

0027 CVM

26 14300020 1 1 M DEBIT MASTERCARD ICC CAT LEVEL 9

0028 PURCHASE NO CVM

27 14300020 1 1 M MASTERCARD ICC PAYMENT TRANSACTION NO

0029 CVM

28 14300020 1 1 M DEBIT MASTERCARD ICC PAYMENT

0030 TRANSACTION NO CVM

29 14300020 1 1 M MAESTRO ICC PAYMENT TRANSACTION NO CVM

0031

©2002–2021 Mastercard. Proprietary. All rights reserved.

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 Dual Message Clearing
Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File—All Business
Transactions (POS-CP)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
30 14300020 1 1 M DEBIT MASTERCARD ICC PURCHASE WITH CASH
0032 BACK SIGNATURE

31 14300020 1 1 M MAESTRO ICC PURCHASE WITH CASH BACK

0033 SIGNATURE

32 14300020 1 1 M DEBIT MASTERCARD ICC PURCHASE WITH CASH

0034 BACK ONLINE PIN

33 14300020 1 1 M MAESTRO ICC PURCHASE WITH CASH BACK

0035 ONLINE PIN

34 14300020 1 1 M MASTERCARD ICC UNIQUE SIGNATURE

0036

35 14300020 1 1 M DEBIT MASTERCARD ICC UNIQUE SIGNATURE

0037

36 14300020 1 1 M MAESTRO ICC UNIQUE SIGNATURE

0038

37 14300020 1 1 M MASTERCARD ICC UNIQUE ONLINE PIN

0039

38 14300020 1 1 M DEBIT MASTERCARD ICC UNIQUE ONLINE PIN

0040

39 14300020 1 1 M MAESTRO ICC UNIQUE ONLINE PIN

0041

40 14300020 1 1 M MASTERCARD ICC REFUND SIGNATURE

0042

41 14300020 1 1 M DEBIT MASTERCARD ICC REFUND SIGNATURE

0043

42 14300020 1 1 M MAESTRO ICC REFUND ONLINE PIN

0047

©2002–2021 Mastercard. Proprietary. All rights reserved.

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Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—Customer-generated File—
Global Brand Compliance

Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—Customer-

generated File—Global Brand Compliance
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file containing
correctly formatted collection only messages.

NOTE: Test cases for Cash Advance business transactions in the below table apply to
Mastercard (MCC) acceptance brand only.

Customers must send the collection only messages in one of the following ways:
• In a separate customer-generated file containing solely collection only messages
• In a customer-generated file along with clearing messages.

Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—Customer-

generated File—Global Brand Compliance

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment Collection Only

1 14300090 1 1 M ATM BUSINESS TRANSACTION OF CUSTOMER

0001 CHOICE ONLINE PIN

2 14300090 1 1 M CASH ADVANCE BUSINESS TRANSACTION AND

0002 CVM OF CUSTOMER CHOICE

3 14300090 1 1 M PURCHASE BUSINESS TRANSACTION AND CVM

0003 OF CUSTOMER CHOICE

4 14300090 1 1 M REFUND BUSINESS TRANSACTION AND CVM OF

0004 CUSTOMER CHOICE

5 14300090 1 1 M PAYMENT BUSINESS TRANSACTION AND CVM

0005 OF CUSTOMER CHOICE

6 14300090 1 1 M PURCHASE WITH CASH BACK BUSINESS

0006 TRANSACTION AND CVM OF CUSTOMER
CHOICE

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 Dual Message Clearing
Products and Services

Products and Services

The test cases in this section are described below.

• Table 1430316—Acquirer Credit and Debit—ICC Product and Services—

Customer-generated File—Mastercard Cardless ATM Program
• Table 1430417—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transaction Integrity Class (U.S. Region)
• Table 1430601—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Contactless M/Chip (All Business Transactions)
• Table 1430621—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Prefunded Model)
• Table 1430622—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Real-Time Authorized Model)
• Table 1430623—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Model)
• Table 1430624—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Authorized Aggregated Split
Clearing Model)
• Table 1430626—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Program (Post-Authorized Aggregated
Maestro Model)
• Table 1430715—Acquirer Credit and Debit—ICC Product and Services—
Customer-generated File—Transit Top-Up Payment Transactions (India)
• Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-Debit—ICC
Product and Services—Customer-generated File—Flex Card Service (Brazil)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 525
 Dual Message Clearing
Table 1430316—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Mastercard Cardless ATM Program

Table 1430316—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Mastercard Cardless ATM Program
The following test cases will test whether an acquirer's Dual Message clearing
application can submit Clearing messages for MasterCard Cardless ATM Program
transactions.

Table 1430316—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Mastercard Cardless ATM Program

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14303160 1 1 C DSRP ICC CARDLESS ATM WITHDRAWAL

0001 ONLINE PIN

MasterCard Cardless ATM Program transaction by participating acquirers and

issuers
DE 3, SF 1 = 01 (ATM Cash Withdrawal)
DE 22, SF 4 = 8 (Additional Terminal Operating Environments; SF 7 = R (PAN entry
via electronic commerce, including remote chip); and SF 8 = 1 (PIN)
DE 26 = 6011 and DE 55 not required
PDS 0022 = A (Transaction has been initiated remotely and completed at a
physical terminal on premises of the card acceptor facility)

2 14303160 1 1 C DSRP ICC CARDLESS ATM WITHDRAWAL NO

0002 CVM

MasterCard Cardless ATM Program transaction by participating acquirers and

issuers
DE 3, SF 1 = 01 (ATM Cash Withdrawal)
DE 22, SF 4 = 8 (Additional Terminal Operating Environments; SF 7 = R (PAN entry
via electronic commerce, including remote chip); and SF 8 = 0 (Not authenticated)
DE 26 = 6011 and DE 55 not required
PDS 0022 = B (Transaction has been initiated remotely and completed at a
physical terminal off premises of the card acceptor facility)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 526
 Dual Message Clearing
Table 1430417—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transaction Integrity Class (U.S. Region)

Table 1430417—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transaction Integrity Class (U.S. Region)
The following test cases will test whether an acquirer's Dual Message clearing
application can optionally provide PDS 0017 (Transaction Integrity Class) in
Presentment/1240 messages when the Transaction Integrity Class (TIC) value is
received from the Authorization Platform.

NOTE: These test cases present one business transaction for each applicable TIC value
although there may be other business transaction applicable for a Transaction Integrity
Class value. See table 1410417 for the non-ICC business transactions and associated TIC
values.

Table 1430417—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transaction Integrity Class (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14304170 1 1 C ICC CONTACTLESS APPLICABLE BUSINESS

0001 TRANSACTION AND CVM OF CUSTOMER
CHOICE

Transaction Integrity Class (TIC) value A1

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 token PAN and DE 55 contains token PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 0 (Cardholder present); SF 6 = 1 (Card present); SF 7 = M (PAN
auto-entry via contactless M/Chip); and applicable data for other subfields and
business transaction
PDS 0017 (TIC) = AI (Card and Cardholder Present: EMV/Token in a Secure,
Trusted Environment)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 527
 Dual Message Clearing
Table 1430417—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transaction Integrity Class (U.S. Region)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14304170 1 1 C ICC APPLICABLE BUSINESS TRANSACTION AND
0002 CVM OF CUSTOMER CHOICE

Transaction Integrity Class (TIC) value B1

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 funding PAN and DE 55 contains funding PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase)
DE 22, SF 5 = 0 (Cardholder present); SF 6 = 1 (Card present); SF 7 = C (PAN auto-
entry via online M/Chip); and applicable data for other subfields and business
transaction
PDS 0017 = BI (Card and Cardholder Present: EMV/Chip Equivalent)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

3 14304170 1 1 C DSRP ICC APPLICABLE BUSINESS TRANSACTION

0003 AND CVM OF CUSTOMER CHOICE

Transaction Integrity Class (TIC) value A2

Card Program ID: MCC, DMC and GCMS Product ID: applicable products for
brand
DE 2 token PAN and DE 55 contains token PAN
DE 3, SF 1 (Transaction Type) = 00 (Purchase), 09 (Purchase with Cash Back), or
18 (Unique)
DE 22, SF 5 = 5 (Cardholder not present (electronic order [PC, Internet, mobile
phone, or PDA])); SF 6 =0 (Card not present); SF 7 = R (PAN entry via electronic
commerce containing Digital Secure Remote Payment (DSRP) cryptogram within
DE 55 (Integrated Circuit Card [ICC]); and applicable data for other subfields and
business transaction
PDS 0017 = A2 (Card and/or Cardholder Not Present: Digital Transactions)
PDS 0158, SF 4 (Interchange Rate Designator) applicable value for business
transaction, brand, and product
Must contain all other appropriate transaction data for submitted business
transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 528
 Dual Message Clearing
Table 1430601—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Contactless M/Chip (All Business Transactions)

Table 1430601—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Contactless M/Chip (All Business Transactions)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send a valid customer-generated file containing correctly
formatted clearing messages.

Table 1430601—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Contactless M/Chip (All Business Transactions)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14306010 1 1 C ICC CONTACTLESS PURCHASE SIGNATURE

0001

2 14306010 1 1 C ICC CONTACTLESS PURCHASE ONLINE PIN

0002

3 14306010 1 1 C ICC CONTACTLESS CASH ADVANCE SIGNATURE

0003

4 14306010 1 1 C ICC CONTACTLESS CASH ADVANCE ONLINE PIN

0004

5 14306010 1 1 C ICC CONTACTLESS CAT LEVEL 1 PURCHASE

0005 ONLINE PIN

6 14306010 1 1 C ICC CONTACTLESS CAT LEVEL 2 PURCHASE NO

0006 CVM

7 14306010 1 1 C ICC CONTACTLESS CAT LEVEL 3 PURCHASE NO

0007 CVM

8 14306010 1 1 C ICC CONTACTLESS REFUND NO CVM

0008

9 14306010 1 1 C ICC CONTACTLESS PURCHASE WITH CASH

0009 BACK SIGNATURE

Only supported in Europe region for credit acquirers

10 14306010 1 1 C ICC CONTACTLESS PURCHASE WITH CASH

0010 BACK ONLINE PIN

Only supported in Europe region for credit acquirers

11 14306010 1 1 C ICC CONTACTLESS ATM WITHDRAWAL ONLINE

0021 PIN

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 529
 Dual Message Clearing
Table 1430601—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Contactless M/Chip (All Business Transactions)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
12 14306010 1 1 C ICC CONTACTLESS ATM PURCHASE ONLINE PIN
0022

13 14306010 1 1 C ICC BARCODE PURCHASE OR REFUND OF

0031 CUSTOMER CHOICE AND CDCVM

Tokenized Mastercard consumer-presented QR transaction

DE 22, SF 7 (Card Data: Input Mode) = M (PAN auto-entry via contactless M/Chip)
DE 55 (ICC System-Related Data) and DE 23 (Card Sequence Number) are
present for Purchase but not for Refund transaction.
PDS 0021 (Transaction Type Indicator) = 1 (Mastercard Consumer Presented QR)
PDS 0058 (Token Assurance Level) and PDS 0059 (Token Requestor ID) may be
present if applicable and available
PDS 0198 (Device Type) and PDS 0207 (Wallet Identifier) may be present if
applicable and available

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 530
 Dual Message Clearing
Table 1430621—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Prefunded Model)

Table 1430621—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Prefunded Model)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for the Transit Program Prefunded
model transactions.

Table 1430621—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Prefunded Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14306230 1 1 C ICC CONTACTLESS PURCHASE NO CVM

0001

ICC Contactless Prefunded Transit transaction

Card Program Identifier: MCC (MasterCard), DMC (Debit MasterCard), or MSI
(Maestro)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains fare for travel subscription or plan
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains fare for travel subscription or plan
DE 55 contains ICC data from the last tap for fare for travel subscription or plan
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 01 (Prefunded) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 531
 Dual Message Clearing
Table 1430622—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Real-Time Authorized Model)

Table 1430622—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Real-Time Authorized Model)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for the Transit Program Real-Time
Authorized model and Debt Recovery transactions.

Table 1430622—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Real-Time Authorized Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14306220 1 1 C ICC CONTACTLESS PURCHASE NO CVM

0001

ICC Contactless Real-Time Authorized Transit transaction

Card Program Identifier: MCC (MasterCard), DMC (Debit MasterCard), or MSI
(Maestro)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains single/known ride fare
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains single/known ride fare
DE 55 contains ICC data from thetap for single/known ride fare
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 02 (Real-Time Authorized)
and SF 02 (Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 532
 Dual Message Clearing
Table 1430622—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Real-Time Authorized Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14306220 1 1 C ICC CONTACTLESS PURCHASE NO CVM
0007

ICC Contactless Debt Recovery Transit transaction

Card Program Identifier: MCC (MasterCard), DMC (Debit MasterCard), or MSI
(Maestro)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization Request
Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery) and SF
02 (Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 533
 Dual Message Clearing
Table 1430623—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Post-Authorized Aggregated Model)

Table 1430623—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Model)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for the Transit Program Post-
Authorized Aggregated model and related Debt Recovery transactions.

Table 1430623—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14306230 1 1 C ICC CONTACTLESS PURCHASE NO CVM

0001

ICC Contactless Post-Authorized Aggregated Transit transaction

Card Program Identifier: MCC (MasterCard), DMC (Debit MasterCard)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains aggregated transit fare
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the last tap
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 03 (Post-Authorized
Aggregated) and SF 02 (Transportation Mode Indicator) contains applicable valid
value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 534
 Dual Message Clearing
Table 1430623—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Post-Authorized Aggregated Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14306230 1 1 C ICC CONTACTLESS PURCHASE NO CVM
0007

ICC Contactless Debt Recovery Transit transaction

Card Program Identifier: MCC (MasterCard), DMC (Debit MasterCard)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization Request
Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery) and SF
02 (Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 535
 Dual Message Clearing
Table 1430623—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Post-Authorized Aggregated Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14306230 1 1 C ICC CONTACTLESS PURCHASE NO CVM
0009

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 536
 Dual Message Clearing
Table 1430623—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Post-Authorized Aggregated Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
First Ride Risk (FRR) claim transit transaction
Card Program Identifier: MCC, DMC, MSI
GCMS Product ID: Any applicable product codes for submitted IRD
DE 3 (Processing Code), SF 1 = 00 (Purchase, goods and services)
DE 4 (Amount, Transaction) contains the total claim amount in local currency that
was incurred within an hour from the time the authorization response was
received, and not exceeding the FRR limit set for the country
DE 24 (Function Code) = 200 (First Presentment) and DE 25 (Message Reason
Code) = 1400 (Not previously authorized)
DE 26 (Card Acceptor Business Code [MCC]) must be 4111, 4131 or 4784
DE 33 (Forwarding Institution ID Code) must contain a valid Mastercard
registered customer ID or processor ID number
DE 41 (Card Acceptor Terminal ID) is the ID of the terminal that initiates the
Authorization Request/0100 message
DE 42 (Card Acceptor ID Code) is the same ID used for clearing approved
transactions in 1240-200 messages
DE 43, SF06 (Card Acceptor Country Code) must contain valid 3 character ISO
alphabetic country code of the card acceptor, and must match the numeric ISO
standard country codes in PAN country code (DE 20) if provided, and POS country
code (DE 61, SF 13) of the original Authorization Request/0100 message
DE 55 (Integrated Circuit Card [ICC] System-Related Data) must match the DE
55 in the original Authorization Request/0100 message
DE 63, SF 02 (Trace ID) contains the DE 15 (Settlement Date) and DE 63
(Network Data) in the original declined Authorization Request Response/0110
message
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 08 (FRR Claim) and SF 02
(Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD.

NOTE: FRR claim must be submitted within three calendar days after the
Authorization Request Response/0110 was received for an Unrecoverable reason
(DE 39 = 03, 04, 12, 13, 14, 41, 43, 58, 62, 62, or 88.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 537
 Dual Message Clearing
Table 1430623—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Post-Authorized Aggregated Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction

NOTE:
At least nine transit debt recovery Transaction attempts must be made within a
period of 45 calendar days from the date of the original Contactless Transit
Aggregated Transaction decline, with the last attempt occurring on day 45, and
the Issuer declined each attempt for a Temporarily Recoverable reason (DE 39 = 01,
05, 70, 86, 87, or 91). No more than one attempt must be made per 24-hour period.
A FRR claim may be submitted if all debt recovery attempts are unsuccessful
within the 45 calendar days, and the FRR claim is submitted within three calendar
days after day 45.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 538
 Dual Message Clearing
Table 1430624—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Authorized Aggregated Split Clearing Model)

Table 1430624—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Authorized Aggregated Split Clearing Model)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for the Transit Program Authorized
Aggregated Split Clearing model and related Debt Recovery transactions.

Table 1430624—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Authorized Aggregated Split Clearing Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14306240 1 1 C ICC CONTACTLESS PURCHASE NO CVM

0001

ICC Contactless Authorized Aggregated Split Clearing Transit transaction

Card Program Identifier: MCC (MasterCard) or DMC (Debit MasterCard)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains aggregated transit fare
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the last tap
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 04 (Authorized Aggregated
Split Clearing) and SF 02 (Transportation Mode Indicator) contains applicable
valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 539
 Dual Message Clearing
Table 1430624—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Authorized Aggregated Split Clearing Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14306240 1 1 C ICC CONTACTLESS PURCHASE NO CVM
0007

ICC Contactless Debt Recovery Transit transaction

Card Program Identifier: MCC (MasterCard), DMC (Debit MasterCard), or MSI
(Maestro)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains amount to be recovered
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization Request
Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery) and SF
02 (Transportation Mode Indicator) contains applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 540
 Dual Message Clearing
Table 1430626—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Program (Post-Authorized Aggregated Maestro Model)

Table 1430626—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Maestro Model)
The following test cases will test whether an acquirer Dual Message clearing
application can build and send customer-generated file containing correctly
formatted First Presentment/1240 messages for the Transit Program Post-
Authorized Aggregated Maestro model and related Debt Recovery transactions.

Table 1430626—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Program (Post-Authorized Aggregated Maestro Model)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14306260 1 1 C ICC CONTACTLESS PURCHASE NO CVM

0001

ICC Contactless Post-Authorized Aggregated Maestro Transit transaction

Card Program Identifier: MSI (Maestro)
GCMS Product ID: Any applicable product codes for submitted IRD
DE 4 (Amount, Transaction) contains aggregated transit fare
DE 26 (Card Acceptor Business Code [MCC]) contains applicable Merchant
Category Code
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the last tap
PDS 0023 (Terminal Type) = NA (Terminal type data unknown or not available)
PDS 0158, SF 04 (Interchange Rate Designator) contains any applicable valid
value
PDS 0210, SF 01 (Transit Transaction Type Indicator) = 06 (Post-Authorized
Aggregated Maestro) and SF 02 (Transportation Mode Indicator) contains
applicable valid value
Must contain the other appropriate transaction data for submitted IRD

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 541
 Dual Message Clearing
Table 1430715—Acquirer Credit and Debit—ICC Product and Services—Customer-generated File
—Transit Top-Up Payment Transactions (India)

Table 1430715—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Top-Up Payment Transactions (India)
The following test cases will test whether a customer's acquirer Dual Message
clearing application can build and send a valid customer-generated file that
contains correctly formatted clearing messages for India domestic transit top-up
payment transactions.

Table 1430715—Acquirer Credit and Debit—ICC Product and Services—Customer-

generated File—Transit Top-Up Payment Transactions (India)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

1 14307150 1 1 C ICC PAYMENT TRANSACTION ONLINE PIN

0001

Card Program ID: DMC and MCC - GCMS Product ID: applicable values for IRD ER
DE 4 (Amount, Transaction) = top-up amount
DE 22, SF 7 (Card Data: Input Mode) = C (PAN auto-entry via chip [online
authorized transaction])
DE 26 (Card Acceptor Business [MCC] Code) = 6532 (Payment Transaction -
Member Financial Institution), or 6533 (Payment Transaction - Merchant)
PDS 0043 (Program Registration ID) = C03 (rePower Load Value)
PDS 0158 (Business Activity), SF 4 (Interchange Rate Designator) = ER (India
Intracountry Mastercard repower)
PDS 0170 (Card Acceptor Inquiry Information), SF 1 (Customer Service Phone
Number) should contain the customer service phone number
PDS 0175 (Card Acceptor URL) should contain the customer URL
All other applicable data for submitted business transaction and IRD ER

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 542
 Dual Message Clearing
Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-Debit—ICC Product and
Services—Customer-generated File—Flex Card Service (Brazil)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
2 14307150 1 1 C ICC OFFLINE PAYMENT TRANSACTION ONLINE
0002 PIN

Card Program ID: DMC and MCC - GCMS Product ID: applicable values for IRD ER
DE 4 (Amount, Transaction) = top-up amount
DE 22, SF 7 (Card Data: Input Mode) = F (PAN auto-entry via chip [offline
authorized transaction])
DE 26 (Card Acceptor Business [MCC] Code) = 6532 (Payment Transaction -
Member Financial Institution), or 6533 (Payment Transaction - Merchant)
PDS 0043 (Program Registration ID) = C03 (rePower Load Value)
PDS 0158 (Business Activity), SF 4 (Interchange Rate Designator) = ER (India
Intracountry Mastercard repower)
PDS 0170 (Card Acceptor Inquiry Information), SF 1 (Customer Service Phone
Number) should contain the customer service phone number
PDS 0175 (Card Acceptor URL) should contain the customer URL
All other applicable data for submitted business transaction and IRD ER

Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-Debit—ICC

Product and Services—Customer-generated File—Flex Card Service (Brazil)
The following test cases will test whether an acquirer's Dual Message clearing
application can submit debit and credit domestic and cross-border transactions to
a Brazil issuer registered for the Flex Card Service containing spaces in Card
Program Identifier.

Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-Debit—ICC

Product and Services—Customer-generated File—Flex Card Service (Brazil)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Presentment/1240 - First Presentment

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 543
 Dual Message Clearing
Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-Debit—ICC Product and
Services—Customer-generated File—Flex Card Service (Brazil)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
1 14309030 1 1 C POS CP BUSINESS TRANSACTION AND CVM OF
0001 CUSTOMER CHOICE

Brazil domestic transaction with debit Account Type Indicator indicated in

corresponding authorization (DE 48, SE 14)
DE 3, SF 1 (Cardholder Transaction Type Code) = 00 (Purchase), 18 (Unique
Transaction), or 20 (Credit)
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
Account)
DE 23 (Card Sequence Number) second digit is in range of 5-9
DE 26 (Card Acceptor Business Code [MCC]) appropriate value for the submitted
IRD
PDS 0158 (Business Activity), SF 1 (Card Program Identifier) contains spaces and
SF 4 (IRD) value valid for Brazil domestic transaction and acceptance brand DMC
Transactions meet all interchange program criteria not specifically noted in the
test case

2 14309030 1 1 C POS CP BUSINESS TRANSACTION AND CVM OF

0002 CUSTOMER CHOICE

Brazil domestic transaction with credit Account Type Indicator indicated in

corresponding authorization (DE 48, SE 14)
DE 3, SF 1 (Cardholder Transaction Type Code) = 00 (Purchase), 18 (Unique
Transaction), or 20 (Credit)
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
(Checking Account)
DE 23 (Card Sequence Number) second digit is in range of 0-4
DE 26 (Card Acceptor Business Code [MCC]) appropriate value for the submitted
IRD
PDS 0158 (Business Activity), SF 1 (Card Program Identifier) contains spaces and
SF 4 (IRD) value valid for Brazil domestic transaction and acceptance brand MCC
Transactions meet all interchange program criteria not specifically noted in the
test case

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 544
 Dual Message Clearing
Table 1430903—Acquirer Manual/Voice/MOTO/E-Commerce Credit-Debit—ICC Product and
Services—Customer-generated File—Flex Card Service (Brazil)

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
3 14309030 1 1 C POS CP BUSINESS TRANSACTION AND CVM OF
0011 CUSTOMER CHOICE

Brazil cross-border transaction indicating debit product

DE 3, SF 1 (Cardholder Transaction Type Code) = 00 (Purchase), 18 (Unique
Transaction), or 20 (Credit)
DE 3, SF 2 (From Account Type Code) = 10 (Savings Account) or 20 (Checking
Account)
DE 23 (Card Sequence Number) second digit is in range of 5-9
DE 26 (Card Acceptor Business Code [MCC]) appropriate value for the submitted
IRD
PDS 0158 (Business Activity), SF 1 (Card Program Identifier) contains spaces and
SF 4 (IRD) value valid for Brazil cross-border transaction and acceptance brand
DMC
Transactions meet all interchange program criteria not specifically noted in the
test case

4 14309030 1 1 C POS CP BUSINESS TRANSACTION AND CVM OF

0012 CUSTOMER CHOICE

Brazil cross-border transaction indicating credit product

DE 3, SF 1 (Cardholder Transaction Type Code) = 00 (Purchase), 18 (Unique
Transaction), or 20 (Credit)
DE 3, SF 2 (From Account Type Code) not equal to 10 (Savings Account) or 20
(Checking Account)
DE 23 (Card Sequence Number) second digit is in range of 0-4
DE 26 (Card Acceptor Business Code [MCC]) appropriate value for the submitted
IRD
PDS 0158 (Business Activity), SF 1 (Card Program Identifier) contains spaces and
SF 4 (IRD) value valid for Brazil cross border transaction and acceptance brand
MCC
Transactions meet all interchange program criteria not specifically noted in the
test case

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 545
 Dual Message Clearing
File Generated by Mastercard

File Generated by Mastercard

The following test cases will test whether a customer’s acquirer Dual Message
clearing application is able to receive and process a valid file generated by
Mastercard that contains clearing messages.
Customers must confirm that the files generated by Mastercard have been
received and successfully processed by a customer's host.

Base Testing
The test cases in this section are described below.
• Table 1410000—Acquirer Credit and Debit—MSR Base—Customer-generated
File—8-Digit BIN Standard and Account Range Specifications
• Table 1410001—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (ATM)
• Table 1410002—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (POS-CP)
• Table 1410003—Acquirer Credit and Debit—MSR Base—Customer-generated
File—All Business Transactions (CNP)
• Table 1410004—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Interchange Rate Programs
• Table 1410005—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Financial Detail Addendum
• Table 1410008—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Service Provider and Merchant Identification
• Table 1410009—Acquirer Credit and Debit—MSR Base—Customer-generated
File—Global Brand Compliance
• Table 1420001—Acquirer Credit and Debit—MSR Base—File Generated by
Mastercard—All Business Transactions
• Table 1430001—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (ATM)
• Table 1430002—Acquirer Credit and Debit—ICC Base—Customer-generated File
—All Business Transactions (POS-CP)
• Table 1430009—Issuer Mastercard and Debit Mastercard—ICC Base—Customer-
generated File—Global Brand Compliance
• Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by
Mastercard—All Business Transactions

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 546
 Dual Message Clearing
Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by Mastercard—All
Business Transactions

Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by

Mastercard—All Business Transactions
The following test cases will test whether a customer's acquirer Dual Message
clearing application can receive and process valid files generated by Mastercard
containing clearing messages.

Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by

Mastercard—All Business Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
Retrieval Request/1644 - Retrieval Request

1 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Retrieval Request/1644 - Reversal of Retrieval Request

2 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0001 CUSTOMER CHOICE

Chargeback/1442 - First Chargeback(Full)

3 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0002 CUSTOMER CHOICE

Chargeback/1442 - First Chargeback(Partial)

4 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0003 CUSTOMER CHOICE

Chargeback/1442 - Reversal of First Chargeback(Full)

5 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0002 CUSTOMER CHOICE

Chargeback/1442 - Reversal of First Chargeback(Partial)

6 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0003 CUSTOMER CHOICE

Chargeback/1442 - Arbitration Chargeback(Full)

7 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0005 CUSTOMER CHOICE

Chargeback/1442 - Arbitration Chargeback(Partial)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 547
 Dual Message Clearing
Table 1440001—Acquirer Credit and Debit—ICC Base—File Generated by Mastercard—All
Business Transactions

Test Test Case MT M or

Case Ref No SIM F C Business Transaction
8 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF
0006 CUSTOMER CHOICE

Chargeback/1442 - Reversal of Arbitration Chargeback(Full)

9 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0005 CUSTOMER CHOICE

Chargeback/1442 - Reversal of Arbitration Chargeback(Partial)

10 14400010 1 1 M BUSINESS TRANSACTION AND CVM OF

0006 CUSTOMER CHOICE

Fee Collection/1740 - Fee Collection Return

11 14400010 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0007

Fee Collection/1740 - Reversal of Fee Collection Return

12 14200010 1 1 M NOT RELATED TO A BUSINESS TRANSACTION

0007

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 548
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit

Chapter 3 Dual Message Integrated Authorization and

Clearing—Acquirer Credit and Debit
This chapter describes the test cases for conducting individual application testing and
validation of a customer's Dual Message integrated authorization and clearing
application.

Introduction.................................................................................................................................... 550
TRIC Table Notations...............................................................................................................550
Test Cases—Acquirer Credit and Debit.....................................................................................551
Table 2400001—Acquirer Credit and Debit—Base Testing (ATM)..................................552
Message Flows—Acquirer Credit and Debit—Mandatory Business Transactions
(ATM)................................................................................................................................................554
Table 2550001—Acquirer Credit and Debit—Base Testing (POS CP)........................... 555
Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory
Business Transactions (POS CP)...........................................................................................557
Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)........................ 560
Table 2650101—Acquirer Credit and Debit—Test Procedures—Mandatory
Business Transactions (POS CNP)........................................................................................566

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 549
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Introduction

Introduction
This section contains details about the test cases applicable to the Acquirer Credit
and Debit business profile during integrated application testing and validation of a
customer’s Dual Message authorization and clearing applications.

NOTE:
When conducted for the purposes of an integrated testing, these test cases are designed to
take two days.
When conducted for customers own testing purposes, no specific time limits apply.

Customers must always conduct the test cases provided for contact magnetic
stripe-based operations. If customers support contact integrated circuit card
(ICC)-based operations, they must also conduct the test cases provided for
contact ICC-based operations. If customers support contactless magnetic stripe-
based operations, they must also conduct the test cases provided for contactless
magnetic stripe-based operations. If customers support contactless ICC-based
operations, they must also conduct the test cases provided for contactless ICC-
based operations and for contact ICC-based operations.
The Online Validation manual in the Testing Reference Information Center (TRIC)
document set provides references to these test cases, indicating when they should
be conducted.
When responding to clearing messages, the Mastercard Test Facility (MTF)
responds with one of a repeated sequence of messages. Refer to the Repetition of
Test Messages section in Chapter 2 of the Testing and Validation Strategy manual
for details.
• TRIC Table Notations

TRIC Table Notations

This table defines notations that appear in tables throughout this chapter.

TRIC Table Notations

Notation Definition
M Indicates a Mandatory business transaction.

C Indicates a Conditional business transaction.

n/a Indicates Not Applicable.

x For addenda messages, indicates No Information.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 550
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Test Cases—Acquirer Credit and Debit

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

0 Indicates the number of messages to be provided.

Where it appears in a column in an integrated Dual and Single Message

— testing table, indicates that customers do not have to send, or will not
receive, any messages normally indicated in that column.

Test Cases—Acquirer Credit and Debit

The following test cases will test whether a customer’s acquirer applications are
able to successfully process the complete transaction life cycle by addressing all
messages exchanged during authorization, clearing, and any subsequent exception
cycle. The customer’s applications must also verify that the data used in any
message is compliant with that used in previous messages in the life cycle.

NOTE:
During integrated application testing for purposes of an integrated testing, customers
must be capable of supporting all six Global Clearing Management System (GCMS)
clearing cycle cut-off times.

These test cases cover the multiple business transactions for this business profile.
However, customers only need to address the mandatory business transactions
(marked as M), together with those conditional business transactions (marked as
C) applicable to their proposed business activity.

NOTE:
For business transactions originating from ICC, the transaction amount customers use
must be above the floor limit to cause the transaction to go online, as required in the test
cases (transaction amounts below the floor limit will be processed offline).

• Table 2400001—Acquirer Credit and Debit—Base Testing (ATM)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 551
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2400001—Acquirer Credit and Debit—Base Testing (ATM)

Table 2400001—Acquirer Credit and Debit—Base Testing (ATM)

This table describes the Base test cases for integrated authorization and clearing
testing for the Acquirer Credit and Debit business profile.

(2400001)—Acquirer Credit and Debit—Base Testing

0400/04
0100 20
Messag Message
es s 1240 Messages
Busines No RC RC No.
Test s No. of RC in . of in in of
Cas Test Case Ref M or Transac Test 0100s 0110 Re Re Res 124
e ID No C tions Card ID v v p 0s
1 240000100001 M Master 1 17 00 –
MCS_00
card 2 00
1
MSR 1 32 00 1
ATM
online MCS_00
2 00 – – – 2
PIN 1

MCS_00 1 51 – – – –
0 Use DE 4 = nnnnnnn18000

MCS_00 1 55 – – – –
0 Use DE 4 = nnnnnnn22000

MCS_00 1 57 – – – –
0 Use DE 4 = nnnnnnn24000

Debit
Master
card
DMC_0
2 240000100002 M MSR 1 00 – – – 1
01
ATM
online
PIN

Maestr
o MSR
MSI_00
3 240000100003 M ATM 1 00 – – – 1
1
online
PIN

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 552
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2400001—Acquirer Credit and Debit—Base Testing (ATM)

0400/04
0100 20
Messag Message
es s 1240 Messages
Busines No RC RC No.
Test s No. of RC in . of in in of
Cas Test Case Ref M or Transac Test 0100s 0110 Re Re Res 124
e ID No C tions Card ID v v p 0s
Cirrus
MSR
4 240000100004 M ATM CIR_001 1 00 – – – 1
online
PIN

Maestr
o MSR
electro
nic MSI_00
5 240000100005 C 1 00 – – – 1
cash 1
advanc
e online
PIN

Cirrus
MSR
electro
nic
6 240000100006 C CIR_001 1 00 – – – 1
cash
advanc
e online
PIN

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 553
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Message Flows—Acquirer Credit and Debit—Mandatory Business Transactions (ATM)

Message Flows—Acquirer Credit and Debit—Mandatory Business

Transactions (ATM)
This figure shows the message flows for the mandatory business transactions.
Figure 1: Message Flows—Acquirer Credit and Debit—Mandatory Business Transactions
(ATM)

• Table 2550001—Acquirer Credit and Debit—Base Testing (POS CP)

• Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory
Business Transactions (POS CP)
• Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)
• Table 2650101—Acquirer Credit and Debit—Test Procedures—Mandatory
Business Transactions (POS CNP)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 554
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2550001—Acquirer Credit and Debit—Base Testing (POS CP)

Table 2550001—Acquirer Credit and Debit—Base Testing (POS CP)

This table lists the test cases applicable to the Acquirer Credit and Debit business
profile. Select the appropriate business transactions in the table and follow the
message flows described.

Table 2550001—Acquirer Credit and Debit—Base Testing (POS CP)

0400
0100 /
Mess 0420 1240 Messages
Tes ages Mess
Test
t Test Case M or ages
Business Transactions Card
Cas Ref No C
ID No. RC No.
e ID No. RC
of RC in in of
of in
0100 0110 Res 124
Rev Rev
s p 0s
1 17 00 –
MSI_
2 00
001 1 32 00 1

MSI_
6 00 – – – 6
001

MSI_ 1 05 – – – –
25500010 Maestro MSR
1 M 000
0001 purchase online PIN Use DE 4 = nnnnnnnn3905

MSI_ 1 51 – – – –
000
Use DE 4 = nnnnnnnn3951
1 55 – – – –
MSI_
000 Use DE 4 = nnnnnnnn3955

25500010 Maestro MSR MSI_

2 M 1 00 – – – 1
0002 purchase signature 001

Maestro MSR CAT

25500010 MSI_
3 C level 1 purchase 1 00 – – – 1
0003 001
online PIN

Maestro MSR
25500010 MSI_
4 C purchase with cash 1 00 – – – 1
0004 001
back online PIN

Maestro MSR
25500010 MSI_
5 C purchase with cash 1 00 – – – 1
0005 001
back signature

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 555
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2550001—Acquirer Credit and Debit—Base Testing (POS CP)

0400
0100 /
Mess 0420 1240 Messages
Tes ages Mess
Test
t Test Case M or ages
Business Transactions Card
Cas Ref No C
ID No. RC No.
e ID No. RC
of RC in in of
of in
0100 0110 Res 124
Rev Rev
s p 0s
Maestro MSR
25500010 payment MSI_
6 C 1 00 – – – 1
0006 001
transaction no CVM

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 556
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory Business Transactions
(POS CP)

Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory

Business Transactions (POS CP)
This table describes the test procedures for the mandatory business transactions
within the Acquirer Credit and Debit business profile.

Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory Business

Transactions (POS CP)

St
Test Case Ref No Day Action
ep
For Mastercard MSR purchase signature,
customers must send nine Authorization
Requests:
• Four using card numbers that will trigger
response code 00
• One using the card number that triggers
response code 51
• One using the card number that triggers
Day 1
response code 05
—
1 255020100001 • One using the card number that triggers
mornin response code 61
g
For Mastercard MSR cash advance signature,
customers must send an Authorization Request
using a card number that triggers response code
00.
For Debit Mastercard MSR cash advance
signature, customers must send one
Authorization Request using a card number that
triggers response code 00.

For each correct Authorization Request received,

the Mastercard Test Facility sends an
Day 1 Authorization Response with the appropriate
— response code.
2 255020100002
mornin Customers must check that they receive the
g correct number of response messages with the
expected response codes (as shown in Table
25.1).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 557
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory Business Transactions
(POS CP)

St
Test Case Ref No Day Action
ep
Using two of the approved authorization
Day 1 messages, customers must send:
—
3 255020100003 • One partial Reversal Advice message
mornin containing response code 32
g • One full Reversal Advice message containing
response code 17

Day 1 For each correct Reversal Advice, the Mastercard

— Test Facility sends back a Reversal Advice
4 255020100004 Response message containing response code 00.
mornin
g

Customers do not need to send a clearing

message for the full Reversal Advice.
Customers must send a total of eight First
Presentments, one for each approved
transaction:
Day 1
• Customers must send one First Presentment
—
5 255020100005 message based on the amount in the partial
before Reversal Advice message.
COB • Customers must send two First Presentments
for transactions equal to or below the floor
limit (i.e. with no prior Authorization Request)
Customers must verify that Mastercard receives
their customer-generated files before close of
business.

For each transaction above the floor limit, the

Mastercard Test Facility checks that the data in
each First Presentment corresponds to the data
in the related Authorization Request.

Day 2 The MTF responds to each First Presentment

— message with one of the following messages:
6 255020100006
mornin • First Presentment accepted (no response)
g • Retrieval Request
• First Chargeback
• Partial First Chargeback
All messages will be delivered in the file
generated by Mastercard.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 558
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2550201—Acquirer Credit and Debit—Test Procedures—Mandatory Business Transactions
(POS CP)

St
Test Case Ref No Day Action
ep
Customer do not have to respond to the
Retrieval Request messages.
For each First Chargeback, customers must send
Day 2 a Second Presentment.
—
7 255020100007 For each Partial First Chargeback, customers
before must send a Partial Second Presentment for the
COB appropriate amount.
Customers must verify that Mastercard receives
their Customer-generated file before close of
business.

For each Second Presentment received, the

Mastercard Test Facility sends one Arbitration
Chargeback.
For each Partial Second Presentment received,
8 255020100008 Day 3
the Mastercard Test Facility sends one Partial
Arbitration Chargeback.
All messages will be delivered in the file
generated by Mastercard.

When conducting integrated testing for

Day 3 purposes of an integrated testing, customers
— must contact their Customer Implementation
9 255020100009 project manager on Day 3 to confirm that the
before integrated testing has been completed (for all
COB mandatory, and if appropriate, conditional
business transactions).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 559
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)

Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)

This table lists the test cases applicable to the Acquirer Credit and Debit business
profile. Select the appropriate business transactions in the table and follow the
message flows described.

(2650001)—Acquirer Credit and Debit—Base Testing

040
010 0/0
0 420
Me Me
ssa ssa
ges ges 1240 Messages
Tes
t No. RC RC No.
Ca of in No. RC in of
se Test Case Ref Business Test 010 011 of in Res 1240
ID No M or C Transactions Card ID 0s 0 Rev Rev p s
1 265000100001 M Mastercard 1 17 00 –
MCS_0
manual 2 00
01
purchase 1 32 00 1
signature
MCS_0
1 00 – – – 1
01

MCS_0
1 05 – – – –
00

Use DE 4 = 000000003905

MCS_0
1 51 – – – –
00

Use DE 4 = 000000003951

MCS_0
1 61 – – – –
00

Use DE 4 = 000000003961

Debit
Mastercard
DMC_0
2 265000100002 M manual 1 00 – – – 1
01
purchase
signature

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 560
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)

040
010 0/0
0 420
Me Me
ssa ssa
ges ges 1240 Messages
Tes
t No. RC RC No.
Ca of in No. RC in of
se Test Case Ref Business Test 010 011 of in Res 1240
ID No M or C Transactions Card ID 0s 0 Rev Rev p s
Mastercard
manual cash MCS_0
3 265000100003 M 1 00 – – – 1
advance 01
signature

Debit
Mastercard
DMC_0
4 265000100004 M manual cash 1 00 – – – 1
01
advance
signature

Mastercard
MOTO MCS_0
5 265000100005 M 1 00 – – – 1
purchase no 01
CVM

Debit
Mastercard
DMC_0
6 265000100006 M MOTO 1 00 – – – 1
01
purchase no
CVM

Mastercard
electronic
commerce
purchase no
CVM or Debit
MCS_0
Mastercard
01 or
electronic
DMC_0
7 265000100007 M commerce 1 00 – – – 1
01 or
purchase no
MSI_00
CVM or
1
Maestro
electronic
commerce
purchase no
CVM

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 561
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)

040
010 0/0
0 420
Me Me
ssa ssa
ges ges 1240 Messages
Tes
t No. RC RC No.
Ca of in No. RC in of
se Test Case Ref Business Test 010 011 of in Res 1240
ID No M or C Transactions Card ID 0s 0 Rev Rev p s
Mastercard
manual
MCS_0
8 265000100008 C payment 1 00 – – – 1
01
transaction no
CVM

Debit
Mastercard
manual DMC_0
9 265000100009 C 1 00 – – – 1
payment 01
transaction no
CVM

Maestro
manual
MSI_00
10 265000100010 C payment 1 00 – – – 1
1
transaction no
CVM

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 562
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)

040
010 0/0
0 420
Me Me
ssa ssa
ges ges 1240 Messages
Tes
t No. RC RC No.
Ca of in No. RC in of
se Test Case Ref Business Test 010 011 of in Res 1240
ID No M or C Transactions Card ID 0s 0 Rev Rev p s
Mastercard
electronic
commerce
purchase no
CVM or Debit
Mastercard
electronic
commerce
purchase no MCS_0
CVM or 01 or
Maestro DMC_0
11 265000100011 C 1 00 – – – 1
electronic 01 or
commerce MSI_00
purchase no 1
CVM (using the
business
transaction
that was not
used in the
immediately
preceding test
case)

Mastercard
electronic
MCS_0
12 265000100012 C commerce 1 00 – – – 1
01
purchase online
PIN

Debit
Mastercard
electronic DMC_0
13 265000100013 C 1 00 – – – 1
commerce 01
purchase online
PIN

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 563
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)

040
010 0/0
0 420
Me Me
ssa ssa
ges ges 1240 Messages
Tes
t No. RC RC No.
Ca of in No. RC in of
se Test Case Ref Business Test 010 011 of in Res 1240
ID No M or C Transactions Card ID 0s 0 Rev Rev p s
Maestro
electronic
MSI_00
14 265000100014 C commerce 1 00 – – – 1
1
purchase online
PIN

Mastercard
electronic
MCS_0
15 265000100015 C commerce 1 00 – – – 1
01
purchase
offline PIN

Debit
Mastercard
electronic DMC_0
16 265000100016 C 1 00 – – – 1
commerce 01
purchase
offline PIN

Maestro
electronic
MSI_00
17 265000100017 C commerce 1 00 – – – 1
1
purchase
offline PIN

Mastercard
electronic
commerce MCS_0
18 265000100018 C 1 00 – – – 1
payment 01
transaction no
CVM

Debit
Mastercard
electronic
DMC_0
19 265000100019 C commerce 1 00 – – – 1
01
payment
transaction no
CVM

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 564
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650001—Acquirer Credit and Debit—Base Testing (POS CNP)

040
010 0/0
0 420
Me Me
ssa ssa
ges ges 1240 Messages
Tes
t No. RC RC No.
Ca of in No. RC in of
se Test Case Ref Business Test 010 011 of in Res 1240
ID No M or C Transactions Card ID 0s 0 Rev Rev p s
Maestro
electronic
commerce MSI_00
20 265000100020 C 1 00 – – – 1
payment 1
transaction no
CVM

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 565
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650101—Acquirer Credit and Debit—Test Procedures—Mandatory Business Transactions
(POS CNP)

Table 2650101—Acquirer Credit and Debit—Test Procedures—Mandatory

Business Transactions (POS CNP)
The table below describes the test procedures for the mandatory business
transactions within the Acquirer Credit and Debit business profile.

(2650101)—Acquirer Credit and Debit—Test Procedures—Mandatory Business

Transactions (POS CNP)

Ste Test Case Ref

p No Day Action
1 265010100001 Day 1— For Mastercard manual purchase signature, customers
must send 12 Authorization Requests:
morning
• Three using card numbers that will trigger response
code 00
• One using the card number that triggers response
code 51
• One using the card number that triggers response
code 05
• One using the card number that triggers response
code 61
For Debit Mastercard manual purchase signature,
customers must send one Authorization Request using
a card number that triggers response code 00.
For Mastercard manual cash advance signature,
customers must send one Authorization Request using
a card number that triggers response code 00.
For Debit Mastercard manual cash advance signature,
customers must send one Authorization Request using
a card number that triggers response code 00.
For Mastercard MOTO purchase no CVM, customers
must send one Authorization Request using a card
number that triggers response code 00.
For Debit Mastercard MOTO purchase no CVM,
customers must send one Authorization Request using
a card number that triggers response code 00.
For Mastercard electronic commerce purchase no CVM,
or for Debit Mastercard electronic commerce purchase
no CVM, or for Maestro electronic commerce purchase
no CVM, customers must send one Authorization
Request using a card number that triggers response
code 00.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 566
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650101—Acquirer Credit and Debit—Test Procedures—Mandatory Business Transactions
(POS CNP)

Ste Test Case Ref

p No Day Action
For each correct Authorization Request received, the
MTF sends an Authorization Response with the
Day 1— appropriate response code.
2 265010100002
morning Customers must check that they receive the correct
number of response messages with the expected
response codes.

Using two of the approved authorization messages,

customers must send:
Day 1—
3 265010100003 • One partial Reversal Advice message containing
morning response code 32
• One full Reversal Advice message containing
response code 17

Day 1— For each correct Reversal Advice, the MTF sends back a
4 265010100004 Reversal Advice Response message containing response
morning code 00.

Customers do not need to send a clearing message for

the full Reversal Advice.
Customers must send a total of nine First
Presentments, one for each approved transaction:
• Customers must send one First Presentment
Day 1— message based on the amount in the partial
5 265010100005 Reversal Advice message
before
• Customers must send six First Presentments for the
COB
remaining approved transactions
• Customers must send two First Presentments for
transactions equal to or below the floor limit (for
example, with no prior Authorization Request)
Customers must verify that Mastercard receives their
customer-generated files before close of business.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 567
 Dual Message Integrated Authorization and Clearing—Acquirer Credit and Debit
Table 2650101—Acquirer Credit and Debit—Test Procedures—Mandatory Business Transactions
(POS CNP)

Ste Test Case Ref

p No Day Action
For each transaction above the floor limit, the MTF
checks that the data in each First Presentment
corresponds to the data in the related Authorization
Request.
The MTF responds to each First Presentment message
Day 2— with one of the following messages:
6 265010100006
morning • First Presentment accepted (no response)
• Retrieval Request
• First Chargeback
• Partial First Chargeback
All messages will be delivered in the file generated by
Mastercard.

Customers do not have to respond to the Retrieval

Request messages.
Further to each First Chargeback, customers must
Day 2— send a Second Presentment.
7 265010100007 before Further to each Partial First Chargeback, customers
COB must send a Partial Second Presentment for the
appropriate amount.
Customers must verify that Mastercard receives their
member-generated files before close of business.

For each Second Presentment received, the MTF sends

one Arbitration Chargeback.
For each Partial Second Presentment received, the
8 265010100008 Day 3
MTF sends one Partial Arbitration Chargeback.
All messages will be delivered in the file generated by
Mastercard.

When conducting integrated testing for purposes of an

Day 3— integrated testing, customers must contact their
Customer Implementation project manager on Day 3
9 265010100009 before to confirm that the integrated testing has been
COB completed (for all mandatory and, if appropriate,
conditional business transactions).

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 568
 Single Message Authorization

Chapter 4 Single Message Authorization

This chapter describes the test cases for conducting individual application testing and
validation of a customer's Single Message authorization application.

Introduction.................................................................................................................................... 574
TRIC Table Notations...............................................................................................................574
Test Cases—Magnetic Stripe-based Operations....................................................................575
Base Testing...............................................................................................................................575
Table 3000000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard
and Account Range Specifications—Financial Transaction Requests and
Reversals................................................................................................................................ 577
Table 3000001—Acquirer Credit and Debit—MSR Base—All Business
Transactions (ATM)—Financial Transaction Requests and Reversals...................... 579
Table 3000002—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS CP)—Financial Transaction Requests, Advice and Reversal....581
Table 3000003—Acquirer Credit and Debit—MSR Base—All Business
Transactions (POS CNP)—Financial Transaction Requests, Advice and Reversal
..................................................................................................................................................584
Table 3000005—Acquirer Credit and Debit—MSR Base—Selected Data
Conditions—Financial Transaction Requests................................................................. 589
Table 3000009—Acquirer Credit and Debit—MSR Base—Response Codes—
Financial Transaction Requests........................................................................................ 591
Table 3000011—Acquirer Credit and Debit—MSR Base—Additional Merchant
Data—Financial Transaction Requests........................................................................... 593
Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account
Reference (PAR)—Financial Transaction Requests and Advices and Reversals..... 595
Programs and Services Testing............................................................................................. 600
Table 3000101—Acquirer Credit and Debit—MSR Product and Services—
Private Data—Financial Transaction Requests............................................................. 604
Table 3000111—Acquirer Credit and Debit—MSR Product and Services—
Funding and Funding Refund Transactions—Financial Transaction Requests
and Reversals........................................................................................................................606
Table 3000115—Acquirer Credit and Debit—MSR Product and Services—
Mastercard rePower Load Value Payment Transaction—Financial Transaction
Requests and Reversals......................................................................................................609
Table 3000121—Acquirer Credit and Debit—MSR Product and Services—
Dynamic Currency Conversion-Financial Transaction Requests...............................611
Table 3000126—Acquirer Credit and Debit—MSR Product and Services—Fraud
Notification Service—Financial Transaction Requests, Advices and Reversals...... 614

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 569
 Single Message Authorization

Table 3000190—Acquirer Credit and Debit—MSR Product and Services—

Gambling Transactions and Gaming Payment Transactions—Financial
Transaction Requests..........................................................................................................615
Table 3000301—Acquirer Credit and Debit—MSR Product and Services—ATM
Deposit Sharing—Financial Transaction Requests and Reversals.............................617
Table 3000306—Acquirer Credit and Debit—MSR Product and Services—DE 28
Transaction Fee—Financial Transaction Requests and Reversals............................. 619
Table 3000311—Acquirer Credit and Debit—MSR Product and Services—
Funding Transactions at the ATM—Financial Transaction Requests and
Reversals................................................................................................................................ 620
Table 3000314—Acquirer Credit and Debit—MSR Product and Services—
Mastercard ATM Cash Pick Up Service—Financial Transaction Request................ 621
Table 3000316—Acquirer Credit and Debit—MSR Product and Services—ATM
Credit Card Cash Advance Installments Service—Financial Transaction
Requests.................................................................................................................................622
Table 3000321—Acquirer Credit and Debit—MSR Product and Services—PIN
Management Service—Financial Transaction Requests and Reversals................... 625
Table 3000411—Acquirer Credit and Debit—MSR Product and Services—
Enhanced Issuer Identification—Financial Transaction Requests, Advices and
Reversals................................................................................................................................ 626
Table 3000435—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Funding Transactions—Financial Transaction
Requests.................................................................................................................................628
Table 3000444—Acquirer Credit and Debit—MSR Product and Services—
Maestro Switching of Visa Tokenized Transactions—Financial Transaction
Requests and Advices and Reversals...............................................................................630
Table 3000461—Acquirer Credit and Debit—MSR Product and Services—Partial
Approval—Financial Transaction Request and Advice and Reversal.........................632
Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-
time Substantiation (U.S. Region)—Financial Transaction Requests...................... 635
Table 3000505—Acquirer Credit and Debit—MSR Product and Services—
Merchant Tax ID (Brazil)—Financial Transaction Requests........................................ 639
Table 3000545—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Paraguay)—Financial Transaction Requests.........................640
Table 3000550—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Colombia)—Financial Transaction Requests and
Reversal..................................................................................................................................645
Table 3000560—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Chile)—Financial Transaction Requests................................. 650
Table 3000601—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (All Business Transactions)—Financial
Transaction Requests..........................................................................................................654

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 570
 Single Message Authorization

Table 3000602—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (Technical Conditions)—Financial Transaction
Requests and Reversal........................................................................................................656
Table 3000621—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Prefunded Model)—Financial Transaction Requests................................. 660
Table 3000622—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Real-Time Authorized Model)—Financial Transaction Requests............ 661
Table 3000626—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests.................................................................................................................................663
Table 3000633—Acquirer Credit and Debit—MSR Product and Services—
Electric Vehicle Charging—Financial Transaction Requests....................................... 665
Table 3000645—Acquirer Credit and Debit—MSR Product and Services—
Automated Fuel Dispenser—Financial Transaction Requests and Reversals......... 666
Table 3000709—Acquirer Credit and Debit—MSR Product and Services—
Terminal Compliance Indicator (India)—Financial Transaction Requests............... 672
Table 3000808—Acquirer Credit and Debit—MSR Product and Services—
Account Status Inquiry Service—Financial Transaction Requests............................ 673
Table 3000821—Acquirer Credit and Debit—MSR Product and Services—
MoneySend Payment Transactions—Financial Transaction Requests and
Reversals................................................................................................................................ 675
Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile
Remote Payments Program—Financial Transaction Requests and Reversals....... 678
Table 3000826—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Payment Transactions—Financial Transaction
Requests.................................................................................................................................682
Table 3000827—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Refund Payment Transactions—Financial Transaction
Requests.................................................................................................................................687
Table 3000829—Acquirer Credit and Debit—MSR Product and Services—Click
to Pay—Financial Transaction Requests......................................................................... 690
Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES
Device Tokens in DSRP, Identity Check, and Click to Pay—Financial Transaction
Requests.................................................................................................................................692
Table 3000835—Acquirer Credit and Debit—MSR Product and Services—MDES
(Merchant Tokenization Program)—Financial Transaction Requests...................... 696
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES
Device Token Transactions Without UCAF Cryptogram—Financial Transaction
Requests.................................................................................................................................699
Table 3000838—Acquirer Credit and Debit—MSR Product and Services—MDES
Static Token—Financial Transaction Requests.............................................................. 709
Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES
(Remote Commerce Transactions)—Financial Transaction Requests......................710

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 571
 Single Message Authorization

Table 3000860—Acquirer Credit and Debit—MSR Product and Services—

Mastercard Identity Check—Financial Transaction Requests.................................... 714
Table 3000901—Acquirer Credit and Debit—MSR Product and Services—
Merchant Fraud Scoring (Brazil)—Financial Transaction Requests......................... 717
Table 3000925—Acquirer Credit and Debit—MSR Product and Services—High-
Risk Purchase Identifier—Financial Transaction Rerquests........................................ 718
Test Cases—ICC-based Operations...........................................................................................718
Base Testing...............................................................................................................................719
Table 3050001—Acquirer Credit and Debit—ICC Base—All Business
Transactions (ATM)—Financial Transaction Requests.................................................720
Table 3050002—Acquirer Credit and Debit—ICC Base—All Business
Transactions (POS)—Financial Transaction Requests.................................................721
Table 3050011—Acquirer Credit and Debit—ICC Base—Technical Conditions—
Financial Transaction Requests........................................................................................ 723
Authorization M/Chip-specific General Acceptance Criteria......................................... 726
Programs and Services Testing............................................................................................. 728
Table 3050151—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (All Business Transactions)— Financial Transaction
Requests.................................................................................................................................728
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (Technical Conditions)—Financial Transaction Requests......733
Table 3050311—Acquirer Credit and Debit—ICC Product and Services—PIN
Management Service—Financial Transaction Requests..............................................741
Table 3050316—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Cardless ATM Program—Financial Transaction Requests....................744
Table 3050621—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Prefunded Model)—Financial Transaction Requests................................. 746
Table 3050622—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Real-time Authorized Model)—Financial Transaction Requests.............748
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests and Advices and Reversals...............................................................................751
Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric
Vehicle Charging—Financial Transaction Requests and Reversal Advices.............. 756
Table 3050645—Acquirer Credit and Debit—ICC Product and Services—
Automated Fuel Dispenser—Financial Transaction Requests and Reversals......... 761
Table 3050660—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Biometric Card Authentication—Financial Transaction Requests
and Advices............................................................................................................................764
Table 3050715—Acquirer Credit and Debit—ICC Product and Services—Transit
Top-Up Payment Transactions (India)—Financial Transaction Requests................767

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 572
 Single Message Authorization

Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital

Secure Remote Payment—Financial Transaction Requests....................................... 768

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 573
 Single Message Authorization
Introduction

Introduction
This section contains details about the test cases applicable to the Acquirer ATM
Credit and Debit business profile during base application testing and validation of
a customer’s acquirer Single Message authorization application.
The following test cases test whether basic message exchanges can be performed
between the customer host and the Mastercard test simulator/online test
environment. This will include store and forward, working key exchanges, manual
adjustments, settlement, and late Financial Transaction Request Response/0210
messages and next business day transactions.
Manual adjustments are debit or credit adjustments that can be sent to an issuer
or acquirer for any previous day transactions.
The Mastercard Single Message System will expect all customers to test accurate
to all applicable scenarios in the test script.
• TRIC Table Notations

TRIC Table Notations

This table defines notations that appear in tables throughout this chapter.

TRIC Table Notations

Notation Definition
M Indicates a Mandatory business transaction.

C Indicates a Conditional business transaction.

Where it appears in a DE 52 column in an Authorization table, indicates

a Valid PIN value.
V
Where is appears in an RC column in an Authorization table, indicates
any valid response or any specified response provided.

Where it appears in a DE 52 column in an Authorization table, indicates

IV
an Invalid PIN value.

Indicates a blank space when used in DE 48, subelement 71 fourth

b
position.

n/a Indicates Not Applicable.

x For addenda messages, indicates No Information.

* Where it appears in a DE column in a Dual Message or Single Message

(Single asterisk) Authorization table, indicates a 1 character field of customer choice.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 574
 Single Message Authorization
Test Cases—Magnetic Stripe-based Operations

Notation Definition
** Where it appears in a DE column of a Dual Message or Single Message
(Double asterisk) Authorization table, indicates a 2 character field of customer choice.

Where it appears in a SIM or MTF column of a Dual Message or Single

1 Message Authorization table, indicates testing is recommended for
that environment.

Where it appears in a SIM or MTF column of a Dual Message or Single

0 Message Authorization table, indicates testing is available for that
environment.

Where it appears in a column in an integrated Dual and Single Message

— testing table, indicates that customers do not have to send, or will not
receive, any messages normally indicated in that column.

Test Cases—Magnetic Stripe-based Operations

The test cases listed in this section are applicable to magnetic stripe-based
operations only. Both contact magnetic stripe-based operations and contactless
magnetic stripe-based operations are addressed. Select the appropriate business
transactions from the following tables and conduct the associated test cases.
• Base Testing
• Programs and Services Testing

Base Testing
The following test cases will test whether a customer’s acquirer Single Message
application can send correctly formatted Financial Transaction Requests, Advices,

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 575
 Single Message Authorization
Base Testing

and Reversal Advices, and process the resulting Responses when presented with
the required basic functionalities.

NOTE:
Acquirers may optionally submit ATM transactions with online PIN as CAT level 1 or CAT
level 0.

• Table 3000000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard

and Account Range Specifications—Financial Transaction Requests and
Reversals
• Table 3000001—Acquirer Credit and Debit—MSR Base—All Business Transactions
(ATM)—Financial Transaction Requests and Reversals
• Table 3000002—Acquirer Credit and Debit—MSR Base—All Business Transactions
(POS CP)—Financial Transaction Requests, Advice and Reversal
• Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions
(POS CNP)—Financial Transaction Requests, Advice and Reversal
• Table 3000005—Acquirer Credit and Debit—MSR Base—Selected Data
Conditions—Financial Transaction Requests
• Table 3000009—Acquirer Credit and Debit—MSR Base—Response Codes—
Financial Transaction Requests
• Table 3000011—Acquirer Credit and Debit—MSR Base—Additional Merchant
Data—Financial Transaction Requests
• Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account
Reference (PAR)—Financial Transaction Requests and Advices and Reversals

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 576
 Single Message Authorization
Table 3000000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and Account Range
Specifications—Financial Transaction Requests and Reversals

Table 3000000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and

Account Range Specifications—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message online
application can successfully submit Financial Transaction messages for test
accounts within 11-digit account ranges that have been segmented within an 8-
digit BIN.
The criteria for success is acceptance of the transaction by the Mastercard
Network for routing to issuer of the PAN as well as routing of domestic and/or on-
us transactions that are not sent to the MasterCard network.

NOTE: The Mastercard provided test 11-digit account ranges that have been segmented
within an 8-digit BIN are a representative mix of issuers, countries, currencies, brand/
products, consumer/commercial product types, and credit/debit/prepaid product
categories.

Table 3000000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and

Account Range Specifications—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR OR CNP
BUSINESS
TRANSACTION
AND CVM OF
020 3000000000 CUSTOMER
0 01 1 0 CHOICE ** ** * * ???_812 00

1 042
0 1 0 DE 39 = 00 00
This test case applies to all acquirers routing domestic and international
Mastercard branded transactions to the Mastercard Network. Acquirers may
submit a variety of online financial business transactions for various 11-digit
account ranges that have been segmented within an 8-digit BIN for routing to
Mastercard Network.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 577
 Single Message Authorization
Table 3000000—Acquirer Credit and Debit—MSR Base—8-Digit BIN Standard and Account Range
Specifications—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR OR CNP
BUSINESS
TRANSACTION
AND CVM OF
020 3000000000 CUSTOMER
0 02 1 0 CHOICE ** ** * * ???_812 00
042
2 0 1 0 DE 39 = 00 00
This test case only applies to acquirers routing domestic and/or on-us
Mastercard branded transactions directly to issuers or their issuing processor.
Acquirers may submit a variety of online financial business transactions for
various 11-digit account ranges that have been segmented within an 8-digit
BIN for routing directly to issuers or their issuing processor. Acquirers should
confirm proper routing of the domestic and/or on-us issuer financial online
transactions.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 578
 Single Message Authorization
Table 3000001—Acquirer Credit and Debit—MSR Base—All Business Transactions (ATM)—
Financial Transaction Requests and Reversals

Table 3000001—Acquirer Credit and Debit—MSR Base—All Business Transactions

(ATM)—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests and
Reversals for different ATM business transactions containing various combinations
of PAN entry mode, transaction type, cardholder activated terminal level, and
cardholder verification method and process the resulting approved Financial
Transaction Responses.

NOTE: These business transactions may be repeated as needed to accomplish multiple days
testing which may include applicable Network Management 08xx messages.

Table 3000001—Acquirer Credit and Debit—MSR Base—All Business Transactions

(ATM)—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000001000 WITHDRAWAL
1 0 01 1 1 ONLINE PIN 01 90 1 V 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

MSR ATM
BALANCE
020 3000001000 INQUIRY
2
0 02 1 1 ONLINE PIN 30 90 1 V 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

MSR ATM
020 3000001000 PURCHASE
0 03 1 1 ONLINE PIN 00 90 1 V 1V16A 00
ATM purchase transaction indicated by DE 18 contains applicable value; and
DE 48tcc contains applicable value.
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
3
NOTE: For Mobile Phone Top-up include DE 48, SE 13 (Mobile Phone Top-up
Request Data) and DE 12, 13, 43 and 52 are mandatory

NOTE: For Bill Payment DE 124 containing bill payment information may
optionally be provided

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 579
 Single Message Authorization
Table 3000001—Acquirer Credit and Debit—MSR Base—All Business Transactions (ATM)—
Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
ELECTRONIC
CASH
020 3000001000 ADVANCE
4 0 04 1 1 ONLINE PIN 01 90 1 V 1V16A 00
Electronic cash advance indicated by DE 18 = 6010 (Manual Cash
Disbursement); and DE 48tcc = C
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

MSR ATM
ACCOUNT
020 3000001000 TRANSFER
5 0 05 1 1 ONLINE PIN 40 90 1 V 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) and SF 3 (Cardholder 'To
Account' Type Code) of customer choice

MSR ATM
020 3000001000 WITHDRAWAL
0 11 1 1 ONLINE PIN 01 90 1 V 1V16A 00
042
6 0 1 1 DE 39 = 00 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
0420: Full or partial reversal to correct or cancel transaction or due to acquirer
time out

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 580
 Single Message Authorization
Table 3000002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CP)—
Financial Transaction Requests, Advice and Reversal

Table 3000002—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS CP)—Financial Transaction Requests, Advice and Reversal
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction messages for
different POS card present (CP) business transactions containing various
combinations of PAN entry mode, transaction type, cardholder activated terminal
level, and cardholder verification method and process the resulting approved
Financial Transaction Responses.

NOTE: These business transactions may be repeated as needed to accomplish multiple days
testing which may include applicable Network Management 08xx messages.

Table 3000002—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS CP)—Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000002000 PURCHASE
1 0 01 1 1 ONLINE PIN 00 90 0 V 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

MSR
020 3000002000 PURCHASE
2 0 02 1 1 SIGNATURE 00 90 0 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

020 3000002000 MSR REFUND

0 03 1 1 ONLINE PIN 20 90 0 V 1V16A 00
3
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

020 3000002000 MSR REFUND

0 04 1 1 SIGNATURE 20 90 0 1V16A 00
4
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 581
 Single Message Authorization
Table 3000002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CP)—
Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
PURCHASE
WITH CASH
020 3000002000 BACK ONLINE
0 05 1 1 PIN 09 90 0 V 1V16A 00
5
Customer choice of Purchase with Cash Back or Cash Back only transaction
where allowed
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 54 mandatory to indicate cash back amount

MSR
PURCHASE
WITH CASH
020 3000002000 BACK
0 06 1 1 SIGNATURE 09 90 1 1V16A 00
6
Customer choice of Purchase with Cash Back or Cash Back only transaction
where allowed
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 54 mandatory to indicate cash back amount

MSR POS
BALANCE
020 3000002000 INQUIRY
7
0 07 1 1 ONLINE PIN 30 90 0 V 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

MSR POS
BALANCE
020 3000002000 INQUIRY
8
0 08 1 1 SIGNATURE 30 90 0 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

MSR PAYMENT
020 3000002000 TRANSACTION
0 09 1 1 NO CVM 28 90 0 1V16A 00
9 DE 3, SF 3 (Cardholder 'To Account' Type Code) of customer choice
DE 48tcc = P (Payment) and SE 77 value of customer choice (excluding
MoneySend values)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 582
 Single Message Authorization
Table 3000002—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CP)—
Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR CAT
LEVEL 9
020 3000002000 PURCHASE
0 10 1 1 ONLINE PIN 00 90 9 V 1V16A 00

10 DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice

DE 22, SF 2 (POS Terminal PIN Entry Mode) = 1 (Terminal has PIN entry
capability)
Optional DE 48, SE 21 (Acceptance Data), SF 1 (mPOS Acceptance Device
Type) value of customer choice

MSR
020 3000002000 PURCHASE
0 16 1 1 ONLINE PIN 00 90 0 V 1V16A 00
022
0 1 1 DE 39 = 00 00

11 Maestro preauthorization and completion transaction. Completion must be

sent within 20 minutes of the preauthorization.
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
0200: DE 61, SF 7 = 4 (Preauthorization Request)
0220: DE 95, SF 1 contains completed amount; DE 4 and DE 61, SF 7 contain
same values as preauthorization request

MSR
020 3000002000 PURCHASE
0 21 1 1 ONLINE PIN 00 90 0 V 1V16A 00
042
12 0 1 1 DE 39 = 00 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
0420: Full or partial reversal to correct or cancel transaction or due to acquirer
time out

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 583
 Single Message Authorization
Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CNP)—
Financial Transaction Requests, Advice and Reversal

Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS CNP)—Financial Transaction Requests, Advice and Reversal
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction messages for
different POS card not present (CNP) business transactions containing various
combinations of PAN entry mode, transaction type, cardholder activated terminal
level, and cardholder verification method and process the resulting approved
Financial Transaction Responses.

NOTE: These business transactions may be repeated as needed to accomplish multiple days
testing which may include applicable Network Management 08xx messages.

Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions

(POS CNP)—Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000003000 PURCHASE NO
0 01 1 1 CVM 00 81 6 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
1 DE 48, SE 42 (Electronic Commerce Indicators) value of customer choice and
DE 48, SE 43 (UCAF) present if required containing applicable value of
customer choice and DE 48, SE 66 (Authentication Data) if applicable

NOTE: Please consult Transaction Processing Rules for Maestro e-commerce

transaction processing requirements

ELECTRONIC
COMMERCE
020 3000003000 PURCHASE
0 02 1 1 OFFLINE PIN 00 81 6 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
2 DE 48, SE 42 (Electronic Commerce Indicators) value of customer choice and
DE 48, SE 43 (UCAF) present if required containing applicable value of
customer choice and DE 48, SE 66 (Authentication Data) if applicable

NOTE: Please consult Transaction Processing Rules for Maestro e-commerce

transaction processing requirements

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 584
 Single Message Authorization
Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CNP)—
Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000003000 PURCHASE
0 03 1 1 ONLINE PIN 00 81 6 V 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
3 DE 48, SE 42 (Electronic Commerce Indicators) value of customer choice and
DE 48, SE 43 (UCAF) present if required containing applicable value of
customer choice and DE 48, SE 66 (Authentication Data) if applicable

NOTE: Please consult Transaction Processing Rules for Maestro e-commerce

transaction processing requirements

MAIL ORDER
020 3000003000 PURCHASE NO
0 04 1 1 CVM 00 01 0 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
4
DE 61, SF 4 = 2 (Mail/facsimile order)

NOTE: Maestro MO/TO transactions are only supported in specified countries

per Transaction Processing Rules

PHONE ORDER
020 3000003000 PURCHASE NO
0 05 1 1 CVM 00 01 0 1V16A 00
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
5
DE 61, SF 4 = 3 (Phone/ARU order)

NOTE: Maestro MO/TO transactions are only supported in specified countries

per Transaction Processing Rules

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 585
 Single Message Authorization
Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CNP)—
Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000003000 PURCHASE NO
0 11 1 1 CVM 00 10 6 1V16A 00
E-Commerce transaction where cardholder has saved a credential-on-file with
merchant
6 DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 48, SE 42 (Electronic Commerce Indicators) value of customer choice and
DE 48, SE 43 (UCAF) present if required containing applicable value of
customer choice and DE 48, SE 66 (Authentication Data) if applicable
DE 61, SF 3 = 2 (Off premises) or 4 (On premises); SF 4 = 5 (Electronic order);
and SF 5 = 1 (Card not present)

CREDENTIAL
ON FILE
020 3000003000 PURCHASE NO
0 12 1 1 CVM 00 10 0 1V16A 00

7 Mail order or phone order transaction where cardholder has saved a

credential-on-file with merchant
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 61, SF 3 = 3 (No terminal used); SF 4 = 2 (Mail/facsimile order) or 3
(Phone/ARU order); and SF 5 = 1 (Card not present)

CREDENTIAL
ON FILE
020 3000003000 PURCHASE NO
0 13 1 1 CVM 00 10 0 1V16A 00

8 Recurring payment transaction where cardholder has saved a credential-on-

file with merchant
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 61, SF 3 = 3 (No terminal used); SF 4 = 4 (Standing order / recurring
transactions); and SF 5 = 1 (Card not present)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 586
 Single Message Authorization
Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CNP)—
Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000003000 PURCHASE NO
0 14 1 1 CVM 00 10 0 1V16A 00
9 Unknown reason how cardholder has saved a credential-on-file with merchant
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 61, SF 3 = 3 (No terminal used); SF 4 = 1 (Cardholder not present,
unspecified); and SF 5 = 1 (Card not present)

CREDENTIAL
ON FILE
020 3000003000 PURCHASE NO
0 15 1 1 CVM 00 10 0 1V16A 00
10 Brick and mortar where cardholder has saved a credential-on-file with
merchant
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 61, SF 4 = 0 (Cardholder present); and SF 5 = 1 (Card not present)

CREDENTIAL
ON FILE
022 3000003000 PURCHASE NO
0 18 1 1 CVM 00 10 6 1V16A 00
E-Commerce transaction where cardholder has saved a credential-on-file with
merchant
Purchase advice approved by merchant or acquirer
11 DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 48, SE 42 (Electronic Commerce Indicators) value of customer choice and
DE 48, SE 43 (UCAF) present if required containing applicable value of
customer choice and DE 48, SE 66 (Authentication Data) if applicable
DE 61, SF 3 = 2 (Off premises) or 4 (On premises); SF 4 = 5 (Electronic order);
and SF 5 = 1 (Card not present)
DE 39 = 00 (Approved) and DE 60 = 290 (APS approved).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 587
 Single Message Authorization
Table 3000003—Acquirer Credit and Debit—MSR Base—All Business Transactions (POS CNP)—
Financial Transaction Requests, Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000003000 PURCHASE NO
0 19 1 1 CVM 00 10 6 1V16A 00
042
0 1 1 DE 39 = 00 00
E-Commerce transaction where cardholder has saved a credential-on-file with
merchant with Purchase request followed by reversal message
12
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
DE 48, SE 42 (Electronic Commerce Indicators) value of customer choice and
DE 48, SE 43 (UCAF) present if required containing applicable value of
customer choice and DE 48, SE 66 (Authentication Data) if applicable
DE 61, SF 3 = 2 (Off premises) or 4 (On premises); SF 4 = 5 (Electronic order);
and SF 5 = 1 (Card not present)
0420: Full Reversal DE 39 = 00 (Approved) and DE 60 = 400 (Network advice:
APS error; unable to deliver response)

CNP BUSINESS
TRANSACTION
020 3000003000 OF CUSTOMER
0 21 1 1 CHOICE ** ** * IV16A 00
042
0 1 1 DE 39 = 34 00
13
Card Not Present (CNP) transaction approved by issuer and subsequently
declined and reversed by acquirer or merchant due to suspect fraud.
DE 3, SF 2 (Cardholder 'From Account' Type Code) of customer choice
0420: Full reversal, DE 39 = 34 (Suspect Fraud), and DE 60 = 450 0021
(Suspect Fraud)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 588
 Single Message Authorization
Table 3000005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—Financial
Transaction Requests

Table 3000005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—

Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests for
various combinations of data conditions and process the resulting Financial
Response messages.

NOTE: The data conditions tested do not represent the full range possible.

Table 3000005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—

Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
CP BUSINESS
TRANSACTION
AND CVM OF
1
020 3000005000 CUSTOMER
0 01 1 0 CHOICE ** ** * * 1V59A 00
DE 2 and Track Data, if applicable, contain 19-digit maximum PAN length

ATM OR POS
CP BUSINESS
TRANSACTION
AND CVM OF
2
020 3000005000 CUSTOMER
0 02 1 0 CHOICE ** ** * * 1V13A 00
DE 2 and Track Data (if applicable), contain 13-digit minimum PAN length

ATM OR POS
MSR
BUSINESS
TRANSACTION
AND CVM OF
020 3000005000 CUSTOMER
3 0 03 1 0 CHOICE ** 90 * * 1V16A 00
Normal DE 61 subfields and values for magnetic stripe input including DE 61,
SF 11 (POS Card Data Terminal Input Capability Indicator) values 2
(Magnetic stripe reader), 5 (Chip reader and magnetic stripe reader), 7
(Magnetic stripe reader and key entry), and/or 8 (Chip reader, magnetic stripe
reader and key entry)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 589
 Single Message Authorization
Table 3000005—Acquirer Credit and Debit—MSR Base—Selected Data Conditions—Financial
Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
CP BUSINESS
TRANSACTION
OF CUSTOMER
4
020 3000005000 CHOICE
0 04 1 0 ONLINE PIN ** ** * V 1PIN6 00
DE 52 contains 6-digit PIN

POS CP
BUSINESS
TRANSACTION
AND CVM OF
5 020 3000005000 CUSTOMER
0 05 1 0 CHOICE ** ** * * 1V16A 00
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 8 = 1 (Suspected fraud
[merchant suspicious - code 10])

POS CP
BUSINESS
TRANSACTION
AND CVM OF
6
020 3000005000 CUSTOMER
0 06 1 0 CHOICE ** ** * * 1V16A 00
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 8 = 2 (ID verified)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 590
 Single Message Authorization
Table 3000009—Acquirer Credit and Debit—MSR Base—Response Codes—Financial Transaction
Requests

Table 3000009—Acquirer Credit and Debit—MSR Base—Response Codes—Financial

Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests and
process the resulting Financial Transaction Responses containing various response
code values.

NOTE: Acquirers must submit an appropriate DE 4 (Amount, Transaction) value to obtain

the desired response code value. This method allows the same test card ID to be used for
each transaction because it is the submitted DE 4 value that initiates the response code
value.

Table 3000009—Acquirer Credit and Debit—MSR Base—Response Codes—Financial

Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000009000 CUSTOMER
0 01 1 0 CHOICE ** ** * * RSPCD **
DE 4 (Amount, Transaction) = nnnnnnnn39xx where nnnnnnnn indicates the
1 additional values necessary to represent a reasonable transaction amount in
transaction currency and xx equals the desired DE 39 (Response Code) value
0210: DE 39 (Response Code) of acquirer choice initiated by DE 4 value in
position 11-12

NOTE: If Response Code = 30, then simulator will send DE 44 = 061 as a

default response value for testing receipt of DE 44.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 591
 Single Message Authorization
Table 3000009—Acquirer Credit and Debit—MSR Base—Response Codes—Financial Transaction
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM BUSINESS
TRANSACTION
OF CUSTOMER
020 3000009000 CHOICE
0 03 1 0 ONLINE PIN ** ** * V RSPCD **
DE 4 (Amount, Transaction) = nnnnnnnn39xx where nnnnnnn indicates the
additional values necessary to represent a reasonable transaction amount in
2 transaction currency and 39xx equals the desired DE 39 (Response Code)
value
0210: DE 39 (Response Code) of acquirer choice initiated by DE 4 value in
position 11-12

NOTE: DE 4 value begins at 10000 and is incremented by 2000 for ATM

transactions to obtain the applicable DE 39 value.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 592
 Single Message Authorization
Table 3000011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—Financial
Transaction Requests

Table 3000011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—

Financial Transaction Requests
Test cases 1-3 will test whether an acquirer's Single Message online application
can send DE 43 with the correctly formatted name in subfield 1 (ATM Owner
Name and/or Address, or POS Merchant Name [or Payment Facilitator and Sub-
Merchant Information, if applicable]), and Payment Facilitator, Independent Sales
Organization and Sub-merchant IDs in DE 48 subelement 37 when a Payment
Facilitator or Independent Sales Organization participates in a transaction and
provide the appropriate responses.

NOTE: DE 43, subfields 3 and 5 and DE 61, subfields 13 and 14 must contain the location
information of the sub-merchant, not the payment facilitator.

Data Integrity edit requires Sub-merchant ID must be present when Payment

Facilitator ID is present and that DE 43, SF 1 must contain * value in position 4, 8,
or 13.
Test case 4 will test whether an acquirer's Single Message online application can
submit optional Merchant Country of Origin in DE 48, SE 37, SF 4 when applicable
in properly formatted Financial Transaction messages.

Table 3000011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—

Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
020 3000011000 CUSTOMER
1 0 01 1 1 CHOICE ** ** * * 1V16A 00
DE 43, SF 1 with 3, 7, or 12 character abbreviated Payment Facilitator name
followed by * in position 4, 8, or 13 and then Sub-merchant name.
DE 48, SE 37, SF 1 = Payment Facilitator ID, SF 3 = Sub-merchant ID.

BUSINESS
TRANSACTION
AND CVM OF
020 3000011000 CUSTOMER
2 0 02 1 1 CHOICE ** ** * * 1V16A 00
DE 43 with Merchant Name (business as usual).
DE 48, SE 37, SF 2 = Independent Sales Organization ID.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 593
 Single Message Authorization
Table 3000011—Acquirer Credit and Debit—MSR Base—Additional Merchant Data—Financial
Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
020 3000011000 CUSTOMER
0 03 1 1 CHOICE ** ** * * 1V16A 00
3
DE 43, SF 1 with 3, 7, or 12 character abbreviated Payment Facilitator name
followed by * in position 4, 8, or 13 and then Sub-merchant name.
DE 48, SE 37, SF 1 = Payment Facilitator ID, SF 2 = Independent Sales
Organization ID and SF 3 = Sub-merchant ID.

BUSINESS
TRANSACTION
AND CVM OF
020 3000011000 CUSTOMER
4 0 11 1 1 CHOICE ** ** * * 1V16A 00
DE 48, SF 37, only SF 4 (Merchant Country of Origin) is optional

NOTE: SF 4 may also be present with any valid combinations of subfields 1-3

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 594
 Single Message Authorization
Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Financial Transaction Requests and Advices and Reversals

Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account

Reference (PAR)—Financial Transaction Requests and Advices and Reversals
The following test cases will test whether an acquirer's Single Message online
application can receive PAR in DE 56 of Financial Transaction Request Response,
Advice Response, Acquirer Reversal Advice Response, and Issuer Reversal Advice
messages.
PAR may be provided for issuers participating in Mastercard Digital Enablement
Service (MDES) for token and PAN transactions as well as for non-MDES issuers
who have obtained PAR from Mastercard via the Payment Account Management
API when Mastercard is the BIN Controller.

Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account

Reference (PAR)—Financial Transaction Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000016000 CUSTOMER
0 01 1 N/A CHOICE ** ** * * MSI_130 00
MDES issuer token, original transaction successfully mapped and validated.
1 0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

POS BUSINESS
TRANSACTION
AND CVM OF
020 3000016000 CUSTOMER
0 02 1 N/A CHOICE ** ** * * MSI_130 00
2 MDES issuer PAN, original transaction.
0200: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 595
 Single Message Authorization
Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Financial Transaction Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000016000 CUSTOMER
0 03 1 N/A CHOICE ** ** * * MSI_130 00
3 Non-MDES issuer PAN, original transaction.
0200: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller.

POS BUSINESS
TRANSACTION
AND CVM OF
022 3000016000 CUSTOMER
0 04 1 N/A CHOICE ** ** * MSI_130 00
MDES issuer token, acquirer advice transaction successfully mapped and
validated.

4 0220: DE 4 = 000000005633 to obtain appropriate data in response message

from simulator.
0220: DE 60 = 290 (APS approved transaction)
0230: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0230: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or by issuer as BIN Controller.

POS BUSINESS
TRANSACTION
AND CVM OF
022 3000016000 CUSTOMER
0 05 1 N/A CHOICE ** ** * MSI_130 00
MDES issuer PAN, acquirer advice transaction transaction.
5
0220: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0220: DE 60 = 290 (APS approved transaction).
0230: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or by issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 596
 Single Message Authorization
Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Financial Transaction Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
022 3000016000 CUSTOMER
0 06 1 N/A CHOICE ** ** * MSI_130 00
Non-MDES issuer PAN, acquirer advice transaction.
6
0220: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0220: DE 60 = 290 (APS approved transaction).
0230: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

POS BUSINESS
TRANSACTION
AND CVM OF
020 3000016000 CUSTOMER
0 07 1 N/A CHOICE ** ** * * MSI_130 00
042
0 1 N/A DE 39 = 00 00
MDES issuer token, original and full reversal transaction successfully mapped
and validated.

7 0200: DE 4 = 000000005633 to obtain appropriate data in response message

from simulator.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.
0420: DE 60 = 454 (APS unable to deliver response).
0430: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or by issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 597
 Single Message Authorization
Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Financial Transaction Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000016000 CUSTOMER
0 08 1 N/A CHOICE ** ** * * MSI_130 00
042
0 1 N/A DE 39 = 00 00
MDES issuer PAN, original and full reversal transaction.
8
0200: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.
0420: DE 60 = 454 (APS unable to deliver response).
0430: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or by issuer as BIN Controller.

POS BUSINESS
TRANSACTION
AND CVM OF
020 3000016000 CUSTOMER
0 09 1 N/A CHOICE ** ** * * MSI_130 00
042
0 1 N/A DE 39 = 00 00
Non-MDES issuer PAN, original and full reversal transaction.
9
0200: DE 4 = 000000005600 to obtain appropriate data in response message
from simulator.
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.
0420: DE 60 = 454 (APS unable to deliver response).
0430: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 598
 Single Message Authorization
Table 3000016—Acquirer Credit and Debit—MSR Base—Payment Account Reference (PAR)—
Financial Transaction Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000016000 CUSTOMER
0 10 1 N/A CHOICE ** ** * * MSI_130 00
MDES issuer token, original transaction successfully mapped and validated.
10 0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

042 3000016000
2 10 1 N/A CHARGEBACK MSI_130 00
Chargeback by MDES issuer for full amount of transaction.
11 0422: DE 56 (Payment Account Data) is provided by Mastercard from the
0210.
0422: DE 60 = 4890073 Chargeback—Duplicate Transaction (POS and ATM).
0432: Acquirer need not return DE 56.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 599
 Single Message Authorization
Programs and Services Testing

Programs and Services Testing

This section contains test cases for different Programs and Services offered by the
Mastercard Single Message System as optional services. These services are
available only to customers that connect directly to the System.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 600
 Single Message Authorization
Programs and Services Testing

For details about these Programs and Services, refer to the Single Message System
Programs and Services manual located on Mastercard Connect™.
• Table 3000101—Acquirer Credit and Debit—MSR Product and Services—Private
Data—Financial Transaction Requests
• Table 3000111—Acquirer Credit and Debit—MSR Product and Services—Funding
and Funding Refund Transactions—Financial Transaction Requests and Reversals
• Table 3000115—Acquirer Credit and Debit—MSR Product and Services—
Mastercard rePower Load Value Payment Transaction—Financial Transaction
Requests and Reversals
• Table 3000121—Acquirer Credit and Debit—MSR Product and Services—Dynamic
Currency Conversion-Financial Transaction Requests
• Table 3000126—Acquirer Credit and Debit—MSR Product and Services—Fraud
Notification Service—Financial Transaction Requests, Advices and Reversals
• Table 3000190—Acquirer Credit and Debit—MSR Product and Services—
Gambling Transactions and Gaming Payment Transactions—Financial
Transaction Requests
• Table 3000301—Acquirer Credit and Debit—MSR Product and Services—ATM
Deposit Sharing—Financial Transaction Requests and Reversals
• Table 3000306—Acquirer Credit and Debit—MSR Product and Services—DE 28
Transaction Fee—Financial Transaction Requests and Reversals
• Table 3000311—Acquirer Credit and Debit—MSR Product and Services—Funding
Transactions at the ATM—Financial Transaction Requests and Reversals
• Table 3000314—Acquirer Credit and Debit—MSR Product and Services—
Mastercard ATM Cash Pick Up Service—Financial Transaction Request
• Table 3000316—Acquirer Credit and Debit—MSR Product and Services—ATM
Credit Card Cash Advance Installments Service—Financial Transaction Requests
• Table 3000321—Acquirer Credit and Debit—MSR Product and Services—PIN
Management Service—Financial Transaction Requests and Reversals
• Table 3000411—Acquirer Credit and Debit—MSR Product and Services—
Enhanced Issuer Identification—Financial Transaction Requests, Advices and
Reversals
• Table 3000435—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Funding Transactions—Financial Transaction Requests
• Table 3000444—Acquirer Credit and Debit—MSR Product and Services—Maestro
Switching of Visa Tokenized Transactions—Financial Transaction Requests and
Advices and Reversals
• Table 3000461—Acquirer Credit and Debit—MSR Product and Services—Partial
Approval—Financial Transaction Request and Advice and Reversal
• Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-
time Substantiation (U.S. Region)—Financial Transaction Requests
• Table 3000505—Acquirer Credit and Debit—MSR Product and Services—
Merchant Tax ID (Brazil)—Financial Transaction Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 601
 Single Message Authorization
Programs and Services Testing

• Table 3000545—Acquirer Credit and Debit—MSR Product and Services—

Domestic Processing (Paraguay)—Financial Transaction Requests
• Table 3000550—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Colombia)—Financial Transaction Requests and Reversal
• Table 3000560—Acquirer Credit and Debit—MSR Product and Services—
Domestic Processing (Chile)—Financial Transaction Requests
• Table 3000601—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (All Business Transactions)—Financial Transaction
Requests
• Table 3000602—Acquirer Credit and Debit—MSR Product and Services—
Contactless Magnetic Stripe (Technical Conditions)—Financial Transaction
Requests and Reversal
• Table 3000621—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Prefunded Model)—Financial Transaction Requests
• Table 3000622—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Real-Time Authorized Model)—Financial Transaction Requests
• Table 3000626—Acquirer Credit and Debit—MSR Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests
• Table 3000633—Acquirer Credit and Debit—MSR Product and Services—Electric
Vehicle Charging—Financial Transaction Requests
• Table 3000645—Acquirer Credit and Debit—MSR Product and Services—
Automated Fuel Dispenser—Financial Transaction Requests and Reversals
• Table 3000709—Acquirer Credit and Debit—MSR Product and Services—Terminal
Compliance Indicator (India)—Financial Transaction Requests
• Table 3000808—Acquirer Credit and Debit—MSR Product and Services—Account
Status Inquiry Service—Financial Transaction Requests
• Table 3000821—Acquirer Credit and Debit—MSR Product and Services—
MoneySend Payment Transactions—Financial Transaction Requests and
Reversals
• Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile
Remote Payments Program—Financial Transaction Requests and Reversals
• Table 3000826—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Payment Transactions—Financial Transaction Requests
• Table 3000827—Acquirer Credit and Debit—MSR Product and Services—
Merchant Presented QR Refund Payment Transactions—Financial Transaction
Requests
• Table 3000829—Acquirer Credit and Debit—MSR Product and Services—Click to
Pay—Financial Transaction Requests
• Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES
Device Tokens in DSRP, Identity Check, and Click to Pay—Financial Transaction
Requests
• Table 3000835—Acquirer Credit and Debit—MSR Product and Services—MDES
(Merchant Tokenization Program)—Financial Transaction Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 602
 Single Message Authorization
Programs and Services Testing

• Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Token Transactions Without UCAF Cryptogram—Financial Transaction
Requests
• Table 3000838—Acquirer Credit and Debit—MSR Product and Services—MDES
Static Token—Financial Transaction Requests
• Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES
(Remote Commerce Transactions)—Financial Transaction Requests
• Table 3000860—Acquirer Credit and Debit—MSR Product and Services—
Mastercard Identity Check—Financial Transaction Requests
• Table 3000901—Acquirer Credit and Debit—MSR Product and Services—
Merchant Fraud Scoring (Brazil)—Financial Transaction Requests
• Table 3000925—Acquirer Credit and Debit—MSR Product and Services—High-
Risk Purchase Identifier—Financial Transaction Rerquests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 603
 Single Message Authorization
Table 3000101—Acquirer Credit and Debit—MSR Product and Services—Private Data—Financial
Transaction Requests

Table 3000101—Acquirer Credit and Debit—MSR Product and Services—Private

Data—Financial Transaction Requests
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Financial Transaction
Requests with Private Data and process the resulting Financial Transaction
Responses with Private Data.

NOTE: Acquirers may also submit 0220 advice and 0420 reversal messages containing same
scenarios as 0200 messages.

Table 3000101—Acquirer Credit and Debit—MSR Product and Services—Private

Data—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
020 3000101000 CUSTOMER
0 01 1 N/A CHOICE ** ** * * 1V16A 00
1
0200: DE 4 = 000000013000 to obtain appropriate data in response message
from simulator
0200: DE 127 contains up to 100 characters of acquirer choice
0210: DE 127 returned by Mastercard containing same data as was sent

BUSINESS
TRANSACTION
AND CVM OF
020 3000101000 CUSTOMER
0 11 1 N/A CHOICE ** ** * * 1V16A 00
2
0200: DE 4 = 000000014000 to obtain appropriate data in response message
from simulator
0200: DE 124 contains up to 299 characters of acquirer choice
0210: DE 124 not present from issuer

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 604
 Single Message Authorization
Table 3000101—Acquirer Credit and Debit—MSR Product and Services—Private Data—Financial
Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
020 3000101000 CUSTOMER
0 12 1 N/A CHOICE ** ** * * 1V16A 00
3
0200: DE 4 = 000000012400 to obtain appropriate data in response message
from simulator
0200: DE 124 not present from acquirer
0210: DE 124 contains up to 299 characters from issuer

BUSINESS
TRANSACTION
AND CVM OF
020 3000101000 CUSTOMER
0 13 1 N/A CHOICE ** ** * * 1V16A 00
4 0200: DE 4 = 000000012400 to obtain appropriate data in response message
from simulator
0200: DE 124 contains up to 299 characters of acquirer choice
0210: DE 124 contains up to 299 characters from issuer that is different than
data sent by acquirer

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 605
 Single Message Authorization
Table 3000111—Acquirer Credit and Debit—MSR Product and Services—Funding and Funding
Refund Transactions—Financial Transaction Requests and Reversals

Table 3000111—Acquirer Credit and Debit—MSR Product and Services—Funding

and Funding Refund Transactions—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single-Message application
can send correctly formatted Funding and Funding Refund Transactions in the
Financial Transaction Request and Acquirer Reversal Advice messages and process
the resulting response messages.

NOTE: Acquirer must be an approved Originating Institution (OI) or transaction will be

rejected.

Table 3000111—Acquirer Credit and Debit—MSR Product and Services—Funding

and Funding Refund Transactions—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
FUNDING
TRANSACTION
AND CVM OF
020 3000111000 CUSTOMER
0 01 1 1 CHOICE 00 ** * * 1V16A 00
DE 18 = 6538 (Funding Transactions for MoneySend) and DE 48, TCC = R
(Retail)
1
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48, SE 77 = any valid MoneySend value C07, C52-C57, and C65 of
customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0, 1, 2, or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 606
 Single Message Authorization
Table 3000111—Acquirer Credit and Debit—MSR Product and Services—Funding and Funding
Refund Transactions—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
FUNDING
TRANSACTION
AND CVM OF
020 3000111000 CUSTOMER
0 02 1 1 CHOICE 00 ** * * 1V16A 00
042
0 1 1 DE 39 = 00 00
DE 18 = 6538 (Funding Transactions for MoneySend) and DE 48, TCC = R
2 (Retail)
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48, SE 77 = any valid MoneySend value C07, C52-C57, and C65 of
customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0, 1, 2, or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory
0420: Full reversal for timeout; DE 39 (Response Code) = 00 (Approved)

POS FUNDING
TRANSACTION
AND CVM OF
020 3000111000 CUSTOMER
0 11 1 1 CHOICE 00 ** * * 1V16A 00
DE 18 = 4829 (Money Transfer) and DE 48tcc = U (Unique)

3 DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are

mandatory
DE 48, SE 77 any valid money transfer value F07-F08, F52-F55, F61, and F64-
F65 of customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0 or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 607
 Single Message Authorization
Table 3000111—Acquirer Credit and Debit—MSR Product and Services—Funding and Funding
Refund Transactions—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS FUNDING
TRANSACTION
AND CVM OF
020 3000111000 CUSTOMER
0 12 1 1 CHOICE 00 ** * * 1V16A 00
DE 18 = 6540 (Funding Transactions) and DE 48tcc = R (Retail) or T (Phone,
Mail, or Electronic Commerce)
4 DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
mandatory
DE 48, SE 77 any valid money transfer value F07-F08, F52-F55, F61, and F64-
F65 of customer choice is mandatory
DE 61, SF 10 (CAT Level) may be 0 or 6 of customer choice
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

POS FUNDING
REFUND AND
CVM OF
020 3000111000 CUSTOMER
0 21 1 1 CHOICE 20 ** * * 1V16A 00
DE 18 = 4829 (Money Transfer), 6538 (Funding Transactions for MoneySend),
or 6540 (Funding Transactions)
DE 42 (Card Acceptor ID Code) and DE 43 Card Acceptor Name/Location) are
5 mandatory
DE 48tcc = R (Retail) or T (Phone, Mail, or Electronic Commerce) for MCC
6538 and 6540; and = U (Unique) for MCC 4829
DE 48, SE 77 any valid value of customer choice is mandatory
DE 61, SF 10 (CAT Level) applicable valid value
DE 108, SE 01 (Receiver/Recipient Data), SFs 01, 03, 07 (Conditional), 11, 18
and SE 03 (Transaction Reference Data), SF 01 are mandatory

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 608
 Single Message Authorization
Table 3000115—Acquirer Credit and Debit—MSR Product and Services—Mastercard rePower
Load Value Payment Transaction—Financial Transaction Requests and Reversals

Table 3000115—Acquirer Credit and Debit—MSR Product and Services—Mastercard

rePower Load Value Payment Transaction—Financial Transaction Requests and
Reversals
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Financial Transaction Requests and Reversals for
Mastercard rePower Load Value payment transactions and process the resulting
Financial Transaction Responses.

NOTE: These processing scenarios and response codes do not represent the full range
possible.

Table 3000115—Acquirer Credit and Debit—MSR Product and Services—Mastercard

rePower Load Value Payment Transaction—Financial Transaction Requests and
Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
PAYMENT
TRANSACTION
AND CVM OF
020 3000115000 CUSTOMER
0 01 1 1 CHOICE 28 ** * * 1V16A 00
1 rePower load value payment transaction approved by issuer
0200: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member
Financial Institution) or 6533 (Payment Transaction - Merchant)
0200: DE 48, SE 77 = C03 (rePower Load Value)
0210: DE 54 contains post-load account balance.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 609
 Single Message Authorization
Table 3000115—Acquirer Credit and Debit—MSR Product and Services—Mastercard rePower
Load Value Payment Transaction—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
PAYMENT
TRANSACTION
AND CVM OF
020 3000115000 CUSTOMER
0 02 1 1 CHOICE 28 ** * * RSPCD 57
rePower load value payment transaction declined by issuer
2 0200: DE 4 = nnnnnnnn3957 or nnnnnnn24000 to obtain appropriate data in
response message from simulator
0200: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member
Financial Institution) or 6533 (Payment Transaction - Merchant)
0200: DE 48, SE 77 = C03 (rePower Load Value)
0210: DE 39 = 57 (Transaction not permitted to issuer/cardholder); DE 54 not
present.

ATM OR POS
PAYMENT
TRANSACTION
AND CVM OF
020 3000115000 CUSTOMER
0 03 1 1 CHOICE 28 ** * * 1V16A 00
042
0 1 1 DE 39 = 00 00
3
rePower load value payment transaction request cancelled after receiving
approved request response and reversal submitted by merchant
0200: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member
Financial Institution) or 6533 (Payment Transaction - Merchant)
0200: DE 48, SE 77 = C03 (rePower Load Value)
0210: DE 54 contains post-load account balance
0420: DE 60 = 4530041 (Financial transaction cancellation: card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 610
 Single Message Authorization
Table 3000121—Acquirer Credit and Debit—MSR Product and Services—Dynamic Currency
Conversion-Financial Transaction Requests

Table 3000121—Acquirer Credit and Debit—MSR Product and Services—Dynamic

Currency Conversion-Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can ensure that the account range is associated with a currency
indicator value that allows Dynamic Currency Conversion (DCC). If DCC services
are prohibited for an account range, then acquirers must not allow DCC services to
be offered or applied to face-to-face (ATM/POS) transactions.

NOTE: Acquirers must create their own test card data from test account ranges that allow
DCC and prohibit DCC for the test cases in this table.

Table 3000121—Acquirer Credit and Debit—MSR Product and Services—Dynamic

Currency Conversion-Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM BUSINESS
TRANSACTION
OF CUSTOMER SEE
020 3000121000 CHOICE NOTE
0 01 1 1 ONLINE PIN ** ** * V ABOVE 00

1 Account range identified as prohibiting DCC for face-to-face (ATM)

transactions and thus no DCC sent in Financial Transaction Request/0200
message
DE 4 (Amount, Transaction) contains the amount in the local transaction
currency and DE 49 (Currency Code, Transaction) contains the code for the
transaction currency

ATM BUSINESS
TRANSACTION
OF CUSTOMER SEE
020 3000121000 CHOICE NOTE
0 02 1 1 ONLINE PIN ** ** * V ABOVE 00
Account range identified as allowing DCC for face-to-face (ATM/POS)
transaction and thus DCC sent in Financial Transaction Request/0200
2 message
DE 4 (Amount, Transaction) contains the amount in the dynamic conversion
currency and DE 49 (Currency Code, Transaction) contains the code for the
dynamic conversion currency
DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account);
SF 2 (Amount Type) = 58 (POI Amount); SF 3 (Currency Code) different than
DE 49; and SF 4 (Amount) in the pre-conversion currency

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 611
 Single Message Authorization
Table 3000121—Acquirer Credit and Debit—MSR Product and Services—Dynamic Currency
Conversion-Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP
BUSINESS
TRANSACTION
AND CVM OF SEE
020 3000121000 CUSTOMER NOTE
0 03 1 1 CHOICE ** ** * * ABOVE 00
3 Account range identified as prohibiting DCC for face-to-face (ATM)
transactions and thus no DCC sent in Financial Transaction Request/0200
message
DE 4 (Amount, Transaction) contains the amount in the local transaction
currency and DE 49 (Currency Code, Transaction) contains the code for the
transaction currency

POS CP
BUSINESS
TRANSACTION
AND CVM OF SEE
020 3000121000 CUSTOMER NOTE
0 04 1 1 CHOICE ** ** * * ABOVE 00
Account range identified as allowing DCC for face-to-face (ATM/POS)
4 transaction and thus DCC sent in Financial Transaction Request/0200
message
DE 4 (Amount, Transaction) contains the amount in the dynamic conversion
currency and DE 49 (Currency Code, Transaction) contains the code for the
dynamic conversion currency
DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account);
SF 2 (Amount Type) = 58 (POI Amount); SF 3 (Currency Code) different than
DE 49; and SF 4 (Amount) in the pre-conversion currency

POS CNP
BUSINESS
TRANSACTION
OF CUSTOMER SEE
020 3000121000 CHOICE NO NOTE
0 05 1 1 CVM ** ** * ABOVE 00
5 Account range identified as prohibiting DCC for face-to-face (ATM/POS)
transactions and thus no DCC sent in Financial Transaction Request/0200
message
DE 4 (Amount, Transaction) contains the amount in the local transaction
currency and DE 49 (Currency Code, Transaction) contains the code for the
transaction currency

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 612
 Single Message Authorization
Table 3000121—Acquirer Credit and Debit—MSR Product and Services—Dynamic Currency
Conversion-Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CNP
BUSINESS
TRANSACTION
OF CUSTOMER SEE
020 3000121000 CHOICE NO NOTE
0 06 1 1 CVM ** ** * ABOVE 00
Account range identified as allowing DCC for face-to-face (ATM/POS)
6 transaction and thus DCC sent in Financial Transaction Request/0200
message
DE 4 (Amount, Transaction) contains the amount in the dynamic conversion
currency and DE 49 (Currency Code, Transaction) contains the code for the
dynamic conversion currency
DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account);
SF 2 (Amount Type) = 58 (POI Amount); SF 3 (Currency Code) different than
DE 49; and SF 4 (Amount) in the pre-conversion currency

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 613
 Single Message Authorization
Table 3000126—Acquirer Credit and Debit—MSR Product and Services—Fraud Notification
Service—Financial Transaction Requests, Advices and Reversals

Table 3000126—Acquirer Credit and Debit—MSR Product and Services—Fraud

Notification Service—Financial Transaction Requests, Advices and Reversals
The following test cases will test whether an acquirer's Single Message application
can receive and process Financial Transactions with DE 48 (Additional Data),
Subelement 19 (Fraud Notification Information) for the Fraud Notification Service.
Acquirers must be prepared to receive DE 48, SE 19 SF 1 (Fraud Notification
Service Date) and SF 2 (Fraud Notification Service Chargeback Counter).
Acquirers must also be able to send a Representment with DE 48, SE 19, SF 3
(Fraud Notification Service Second Presentment Rights Indicator).

Table 3000126—Acquirer Credit and Debit—MSR Product and Services—Fraud

Notification Service—Financial Transaction Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
BUSINESS
TRANSACTION
AND CVM OF
1 020 3000126000 CUSTOMER
0 01 1 1 CHOICE ** ** * * 1V16A 00
Original transaction subject to subsequent Fraud Notification Service
processing
042 3000126000
2 01 N/A 1 CHARGEBACK ** 00

2 DE 48, SE 19, SF 1 = 120704 (Fraud Notification Service Date), SF 2 = 02

(Fraud Notification Service Chargeback Counter)
DE 60 = 489 0071 (Chargeback - Disputed Amount [POS only])

042 3000126000 REPRESENTME

0 01 N/A 1 NT ** 00

3 DE 48, SE 19, SF 3 = FNS (Fraud Notification Service Second Presentment

Rights Indicator)
DE 60 = 491 0013 (Representment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 614
 Single Message Authorization
Table 3000190—Acquirer Credit and Debit—MSR Product and Services—Gambling Transactions
and Gaming Payment Transactions—Financial Transaction Requests

Table 3000190—Acquirer Credit and Debit—MSR Product and Services—Gambling

Transactions and Gaming Payment Transactions—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Financial Transaction Requests for gambling value
and gaming payments and receive the resulting Financial Transaction Responses.

NOTE: Such transactions are restricted to where permitted by law.

Table 3000190—Acquirer Credit and Debit—MSR Product and Services—Gambling

Transactions and Gaming Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
020 3000190000 CUSTOMER
0 01 1 N/A CHOICE 00 ** * * 1V16A 00
Gambling purchase transaction

1 DE 4 (Amount, Transaction) may not exceed maximum amount if applicable

DE 18 (Merchant Type) and DE 48tcc applicable values for the type of
gambling transaction
DE 48, SE 42 (Electronic Commerce Indicators) and SE 43 (UCAF) and/or DE
48, SE 92 (CVC 2) may be present when applicable

NOTE: Merchant country must not prohibit this type of gambling transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 615
 Single Message Authorization
Table 3000190—Acquirer Credit and Debit—MSR Product and Services—Gambling Transactions
and Gaming Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS PAYMENT
AND CVM OF
020 3000190000 CUSTOMER
0 02 1 N/A CHOICE 28 ** * * 1V16A 00
Gaming payment transaction
DE 4 (Amount, Transaction) may not exceed maximum amount if applicable
2 DE 18 (Merchant Type) applicable values for the type of gambling transaction
and DE 48tcc = P (Payment)
DE 48, SE 77 (Transaction Type Identifier) = C04 (Gaming Re-pay)
DE 108, SE 02 (Sender Data) applicable subfields and SE 03 (Transaction
Reference Data) applicable subfields

NOTE: Merchant country must not prohibit this type of gambling transaction

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 616
 Single Message Authorization
Table 3000301—Acquirer Credit and Debit—MSR Product and Services—ATM Deposit Sharing—
Financial Transaction Requests and Reversals

Table 3000301—Acquirer Credit and Debit—MSR Product and Services—ATM

Deposit Sharing—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Financial Transaction Requests and Reversal Advices
for ATM Deposit Sharing, and process the resulting responses.

Table 3000301—Acquirer Credit and Debit—MSR Product and Services—ATM

Deposit Sharing—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000301000 DEPOSIT
1 0 01 1 1 ONLINE PIN 21 90 1 V 1V16A 00
DE 3, SF 3 Cardholder Account Type (To) value of customer choice

MSR ATM
020 3000301000 DEPOSIT
0 02 1 1 ONLINE PIN 21 90 1 V 1V16A 00
042
0 1 1 DE 39 = 00 00
2
DE 3, SF 3 Cardholder Account Type (To) value of customer choice
0420: DE 60 = 450 0018 (Zero dispense; card returned - POI failure)

NOTE: Acquirers may optionally test any and all other valid Reversal values

MSR ATM
020 3000301000 DEPOSIT
0 03 1 1 ONLINE PIN 21 90 1 V 1V16A 00
042
0 1 1 DE 39 = 00 00
3
DE 3, SF 3 Cardholder Account Type (To) value of customer choice
0420: DE 60 = 4900024 (Adjustment - empty deposit envelope [deposit only])

NOTE: Acquirers may optionally test any and all other valid Adjustment values

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 617
 Single Message Authorization
Table 3000301—Acquirer Credit and Debit—MSR Product and Services—ATM Deposit Sharing—
Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000301000 DEPOSIT
0 04 1 1 ONLINE PIN 21 90 1 IV RSPCD 55

4 DE 3, SF 3 Cardholder Account Type (To) value of customer choice

DE 4 = nnnnnnn22000 to obtain appropriate data in response message from
simulator
0210: DE 39 = 55 (Invalid PIN)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 618
 Single Message Authorization
Table 3000306—Acquirer Credit and Debit—MSR Product and Services—DE 28 Transaction Fee—
Financial Transaction Requests and Reversals

Table 3000306—Acquirer Credit and Debit—MSR Product and Services—DE 28

Transaction Fee—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message application
can send DE 28 (Amount, Transaction Fee) when applicable (in an approved region
or country), in Financial Transaction Requests and Reversals, and process the
resulting Financial Transaction Responses containing DE 28.

Table 3000306—Acquirer Credit and Debit—MSR Product and Services—DE 28

Transaction Fee—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3201401000 WITHDRAWAL
0 01 1 1 ONLINE PIN 01 90 1 V 1V16A 00
042
1 0 1 1 DE 39 = 00 00
DE 3, SF 2 Cardholder Account Type (From) of customer's choice
DE 28 contains ATM access fee
0420: DE 60 = 450 0018 (Zero dispense; card returned; POI failure)

MSR ATM
020 3000306000 DEPOSIT
0 02 1 1 ONLINE PIN 21 90 1 V 1V16A 00
2
DE 3, SF 3 Cardholder Account Type (To) value of customer choice
DE 28 contains ATM access fee

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 619
 Single Message Authorization
Table 3000311—Acquirer Credit and Debit—MSR Product and Services—Funding Transactions at
the ATM—Financial Transaction Requests and Reversals

Table 3000311—Acquirer Credit and Debit—MSR Product and Services—Funding

Transactions at the ATM—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message application
can submit Funding Transactions at the ATM in Financial Transaction Requests and
Reversals.

Table 3000311—Acquirer Credit and Debit—MSR Product and Services—Funding

Transactions at the ATM—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000311000 PURCHASE
0 01 1 1 ONLINE PIN 00 90 1 V 1V16A 00
1
DE 3, SF 2 of customer's choice and DE 18 appropriate value
DE 124 may optionally contain biller information

MSR ATM
020 3000311000 PURCHASE
0 02 1 1 ONLINE PIN 00 90 1 V 1V16A 00
042
2 0 1 1 DE 39 = 00 00
DE 3, SF 2 of customer's choice and DE 18 appropriate value
DE 124 may optionally contain biller information
0420: DE 60 = Any valid reason code

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 620
 Single Message Authorization
Table 3000314—Acquirer Credit and Debit—MSR Product and Services—Mastercard ATM Cash
Pick Up Service—Financial Transaction Request

Table 3000314—Acquirer Credit and Debit—MSR Product and Services—Mastercard

ATM Cash Pick Up Service—Financial Transaction Request
The following test case will test whether an acquirer's Single Message online
application that is participating in the Mastercard ATM Cash Pick Up service can
send properly formatted Financial Transaction Requests containing the
Mastercard ATM Cash Pick Up Identifier and receive the resulting Financial
Transaction Responses.

Table 3000314—Acquirer Credit and Debit—MSR Product and Services—Mastercard

ATM Cash Pick Up Service—Financial Transaction Request

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000314000 CASH PICKUP
0 01 1 1 ONLINE PIN 01 90 1 V 1V16A 00

1 ATM withdrawal transaction initiated via the Mastercard ATM Cash Pick Up
service
DE 48, SE 77 = P01 (Mastercard ATM Cash Pick Up Transaction)
DE 48, SE 92 may be present if provided

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 621
 Single Message Authorization
Table 3000316—Acquirer Credit and Debit—MSR Product and Services—ATM Credit Card Cash
Advance Installments Service—Financial Transaction Requests

Table 3000316—Acquirer Credit and Debit—MSR Product and Services—ATM Credit

Card Cash Advance Installments Service—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can support the ATM Credit Card Cash Advance Installments service in regions
and/or countries where allowed.
The ATM Credit Card Cash Advance Installments service will allow a cardholder at
an ATM the ability to request a credit card cash advance and to choose the
schedule of installments over which payments will be extended.
DE 112, subelement 27 subfields:
• 1 = Plan Type
• 2 = The number of installments requested by cardholder 01-99
• 3 = The number of installments agreed to by the issuer 01-99
• 4 = The monthly payment amount to be billed to the cardholder
• 5 = The cash advance amount plus interest
• 6 = The interest rate being charged to the cardholder by the issuer
• 7 = The currency code the issuer will use to charge the cardholder

Table 3000316—Acquirer Credit and Debit—MSR Product and Services—ATM Credit

Card Cash Advance Installments Service—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000316000 WITHDRAWAL
0 01 1 0 ONLINE PIN 01 90 1 V 1MC1A 00
ATM installment inquiry - Issuer agrees to cardholder's requested amount and
number of installments
DE 3, SF 2 = 30 (Credit Card Account)
1
DE 61, SF 7 = 3 (Time Based Payment Authorization Request)
DE 112, SE 1 present
DE 112, SE 27, SF 1-2 present
0210: DE 112, SE 1 present
0210: DE 112, SE 27, SF 1-7 present (SF 2 same as value in 0200)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 622
 Single Message Authorization
Table 3000316—Acquirer Credit and Debit—MSR Product and Services—ATM Credit Card Cash
Advance Installments Service—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000316000 WITHDRAWAL
0 02 1 0 ONLINE PIN 01 90 1 V 1MC1A 00
ATM installment withdrawal - Issuer and cardholder agree upon terms from
ATM installment inquiry
DE 3, SF 2 = 30 (Credit Card Account)
2
DE 61, SF 7 = 0 (Normal request)
DE 112, SE 1 present
DE 112, SE 27, SF 1-2 present
0210: DE 112, SE 1 present
0210: DE 112, SE 27, SF 1-7 present

MSR ATM
020 3000316000 WITHDRAWAL
0 03 1 0 ONLINE PIN 01 90 1 V 1MC1A 00
ATM installment inquiry - Issuer counteroffers cardholder's request and
cardholder agrees to issuer's offer
DE 3, SF 2 = 30 (Credit Card Account)
3
DE 61, SF 7 = 3 (Time Based Payment Authorization Request)
DE 112, SE 1 present
DE 112, SE 27, SF 1-2 present
0210: DE 112, SE 1 present
0210: DE 112, SE 27, SF 1-7 present (SF 2 different than 0200 value)

MSR ATM
020 3000316000 WITHDRAWAL
0 04 1 0 ONLINE PIN 01 90 1 V 1MC1A 00
ATM installment withdrawal. Issuer and cardholder agree upon terms from
ATM installment inquiry
DE 3, SF 2 = 30 (Credit Card Account)
4
DE 61, SF 7 = 0 (Normal request)
DE 112, SE 1 present
DE 112, SE 27, SF 1-2 present
0210: DE 112, SE 1 present
0210: DE 112, SE 27, SF 1-7 present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 623
 Single Message Authorization
Table 3000316—Acquirer Credit and Debit—MSR Product and Services—ATM Credit Card Cash
Advance Installments Service—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM
020 3000316000 WITHDRAWAL
0 05 1 0 ONLINE PIN 01 90 1 V 1RC05 05
ATM installment inquiry - Issuer declines cardholder's requested amount and
number of installments
DE 3, SF 2 = 30 (Credit Card Account)
5
DE 61, SF 7 = 3 (Time Based Payment Authorization Request)
DE 112, SE 1 present
DE 112, SE 27, SF 1-2 present
0210: DE 112, SE 1 present
0210: DE 112, SE 27, SF 1-7 present (SF 2 same as value in 0200)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 624
 Single Message Authorization
Table 3000321—Acquirer Credit and Debit—MSR Product and Services—PIN Management
Service—Financial Transaction Requests and Reversals

Table 3000321—Acquirer Credit and Debit—MSR Product and Services—PIN

Management Service—Financial Transaction Requests and Reversals
The following test cases will test whether an ATM PIN Management participating
acquirer—s Single Message application can send ATM magnetic stripe PIN Change
transactions in Financial Requests and process the resulting Financial Responses
containing the issuer approval or decline response.

Table 3000321—Acquirer Credit and Debit—MSR Product and Services—PIN

Management Service—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR ATM PIN
020 3000321000 CHANGE
1 0 01 1 0 ONLINE PIN 92 90 1 V 1RC00 00
ATM PIN Change transaction with DE 125 present and DE 28 fee present
where allowed and supported.
MSR ATM PIN
020 3000321000 CHANGE
0 02 1 0 ONLINE PIN 92 90 1 V 1RC00 00
2
042
0 1 0 DE 39 = 00 00
DE 125 present
MSR ATM PIN
020 3000321000 CHANGE
3 0 03 1 0 ONLINE PIN 92 90 1 V 1RC71 71
DE 125 present; DE 39 = 71 (PIN not changed)
MSR ATM PIN
020 3000321000 CHANGE
4 0 04 1 0 ONLINE PIN 92 90 1 V 1RC89 89
DE 125 present; DE 39 = 89 (PIN unacceptable. Retry.)
MSR ATM PIN
020 3000321000 CHANGE
5 0 05 1 0 ONLINE PIN 92 90 1 V 1RC57 57
DE 125 present; DE 39 = 57 (Transaction not permitted to issuer or
cardholder)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 625
 Single Message Authorization
Table 3000411—Acquirer Credit and Debit—MSR Product and Services—Enhanced Issuer
Identification—Financial Transaction Requests, Advices and Reversals

Table 3000411—Acquirer Credit and Debit—MSR Product and Services—Enhanced

Issuer Identification—Financial Transaction Requests, Advices and Reversals
The following test cases will test whether an acquirer's Single Message application
can receive data elements that identify the issuer processor on a message-by-
message basis.
Acquirers must be prepared to process DE 20 (Primary Account Number Country
Code), DE 58 (Authorizing Agent Institution ID) and/or DE 100 (Receiving
Institution Identification Code) in the Financial Transaction messages to identify
issuer information.

Table 3000411—Acquirer Credit and Debit—MSR Product and Services—Enhanced

Issuer Identification—Financial Transaction Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
CP BUSINESS
TRANSACTION
AND CVM OF
020 3000411000 CUSTOMER
1 0 01 1 1 CHOICE ** ** * * Y58EII 00
0210: DE 20 = Primary account number country code.
0210: DE 58 = Authorizing agent institution ID.
0210: DE 100 = Receiving institution identification code.

042 3000411000
2 01 N/A 1 CHARGEBACK ** ** * Y58EII 00
Chargeback of Test Case ID 1
2 DE 20 = Primary Account Number Country Code
DE 60, SF 1= 489 (Chargeback) and SF 2 value of customer choice
DE 100 = Receiving Institution Identification Code

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 626
 Single Message Authorization
Table 3000411—Acquirer Credit and Debit—MSR Product and Services—Enhanced Issuer
Identification—Financial Transaction Requests, Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ATM OR POS
CP BUSINESS
TRANSACTION
AND CVM OF
020 3000411000 CUSTOMER
0 03 1 1 CHOICE ** ** * * Y58EII 00
042
0 1 1 DE 39 = 00 00
3
0210: DE 20 = Primary account number country code.
0210: DE 58 = Authorizing agent institution ID.
0210: DE 100 = Receiving institution identification code.
0420: DE 60 = 450 0018 (Zero dispense; card returned; POI failure)
0430: DE 20 = Primary account number country code.
0430: DE 100 = Receiving institution identification code.

POS CP
BUSINESS
TRANSACTION
AND CVM OF
022 3000411000 CUSTOMER
4 0 04 1 1 CHOICE ** ** * V N58EII 00
DE 60, SF 1 = 290 (APS approved transaction; preauthorized by issuer)
0230: DE 20 = Primary account number country code.
0230: DE 100 = Receiving institution identification code.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 627
 Single Message Authorization
Table 3000435—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Funding Transactions—Financial Transaction Requests

Table 3000435—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Funding Transactions—Financial Transaction Requests
The following test cases will test whether an Originating Institution (OI) Single
Message online application that is participating in Merchant Presented QR can
process Financial Transaction Requests and Responses for Merchant Presented QR
Funding Transactions with PANs or tokens.

Table 3000435—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Funding Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PURCHASE MCS_13
TRANSACTION 0
AND CVM OF DMC_13
020 3000435000 CUSTOMER 0
0 01 1 N/A CHOICE 00 ** * * MSI_130 00
Merchant Presented QR Funding domestic transaction containing token PAN
DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
response message from simulator
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
1 Funding
DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required
DE 48, SE 37, SF 01 (Payment Facilitator ID) and SF 03 (Sub-Merchant ID)
are present if available and required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 03, SF 01 (Unique Transaction Reference) is mandatory; SE 05, SF
02 (Merchant Presented QR Receiving Account Number) is optional; and SE 06
(QR Dynamic Code Data) is optional. All other DE 108 data fields are dropped
on incoming message.
DE 110, SE 01 (Merchant ID) is present if available and required
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology) and DE 56 (Payment Account Data)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 628
 Single Message Authorization
Table 3000435—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Funding Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE MCS_00
PURCHASE 1
TRANSACTION DMC_00
AND CVM OF 1-005
020 3000435000 CUSTOMER MSI_001-
0 02 1 1 CHOICE 00 ** * * 005 00
Merchant Presented QR Funding domestic transaction containing non-token
PAN

2 DE 2 (Primary Account Number) contains a PAN

DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Funding
DE 48, SE 37, SF 01 (Payment Facilitator ID) and SF 03 (Sub-Merchant ID)
are present if available and required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 03, SF 01 (Unique Transaction Reference) is mandatory; SE 05, SF
02 (Merchant Presented QR Receiving Account Number) is optional; and SE 06
(QR Dynamic Code Data) is optional. All other DE 108 data fields are dropped
on incoming message.
DE 110, SE 01 (Merchant ID) is present if available and required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 629
 Single Message Authorization
Table 3000444—Acquirer Credit and Debit—MSR Product and Services—Maestro Switching of
Visa Tokenized Transactions—Financial Transaction Requests and Advices and Reversals

Table 3000444—Acquirer Credit and Debit—MSR Product and Services—Maestro

Switching of Visa Tokenized Transactions—Financial Transaction Requests and
Advices and Reversals
The following test cases will test whether an acquirer's Single Message online
application can properly submit Maestro-branded Visa token transactions in
Financial Transaction Requests, Advices, and Reversals and process the resulting
Financial Transaction Responses containing Payment Account Reference (PAR) in
DE 56 (Payment Account Data).

Table 3000444—Acquirer Credit and Debit—MSR Product and Services—Maestro

Switching of Visa Tokenized Transactions—Financial Transaction Requests and
Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000444000 CUSTOMER
0 01 1 1 CHOICE ** ** * * VIS_130 00
Maestro-branded Visa token original request transaction
1 0200: Acquirer must send DE 4 = 000000005633 to obtain appropriate data in
response message from simulator.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0210: DE 56 (Payment Account Data) is present.

POS BUSINESS
TRANSACTION
AND CVM OF
022 3000444000 CUSTOMER
0 02 1 N/A CHOICE ** ** * VIS_130 00

2 Maestro-branded Visa token acquirer advice transaction

0220: Acquirer must send DE 4 = 000000005600 to obtain appropriate data in
response message from simulator.
0220: DE 60 = 290 (APS approved transaction).
0230: DE 56 (Payment Account Data) is present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 630
 Single Message Authorization
Table 3000444—Acquirer Credit and Debit—MSR Product and Services—Maestro Switching of
Visa Tokenized Transactions—Financial Transaction Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000444000 CUSTOMER
0 03 1 1 CHOICE ** ** * * VIS_130 00
042
0 1 1 DE 39 = 00 00
Maestro-branded Visa token original request and full reversal advice
3 transaction
0200 and 0420: Acquirer must send DE 4 = 000000005633 to obtain
appropriate data in response message from simulator.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0210 and 0430: DE 56 (Payment Account Data) is present.
0420: DE 60 = 454 (APS unable to deliver response).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 631
 Single Message Authorization
Table 3000461—Acquirer Credit and Debit—MSR Product and Services—Partial Approval—
Financial Transaction Request and Advice and Reversal

Table 3000461—Acquirer Credit and Debit—MSR Product and Services—Partial

Approval—Financial Transaction Request and Advice and Reversal
The following test cases will test whether an acquirer's Dual Message
authorization application can send correctly formatted Financial Transaction
messages indicating merchant terminal supports partial approvals and process the
resulting Financial Transaction Response messages containing partial approval
response information as well as send Reversal Advices and Completion Advices for
partial approved Financial Transaction Requests.

Table 3000461—Acquirer Credit and Debit—MSR Product and Services—Partial

Approval—Financial Transaction Request and Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS
TRANSACTION
AND CVM OF
020 3000461000 CUSTOMER PA001
0 01 1 1 CHOICE 00 ** * * PA003 00
Merchant terminal supports partial approval and issuer test cards provide
1 partial approval response.
Acquirer may adjust DE 4 request amount to obtain partial approval amount
less than, equal to, or greater than requested amount.
0200: DE 48, SE 61, position 1 = 1 (Merchant terminal supports receipt of
partial approvals)
0210: DE 4 and DE 6 contain partial approval amounts; DE 54 contains
original amount and associated information

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 632
 Single Message Authorization
Table 3000461—Acquirer Credit and Debit—MSR Product and Services—Partial Approval—
Financial Transaction Request and Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS
TRANSACTION
AND CVM OF
020 3000461000 CUSTOMER PA001
0 02 1 1 CHOICE 00 ** * * PA003 00
042
0 1 1 DE 39 = 00 00
Merchant terminal support partial approval and issuer test cards provide
partial approval response.
2 Acquirer may adjust DE 4 request amount to obtain partial approval amount
less than, equal to, or greater than requested amount. Acquirer request is
followed by an acquirer reversal.
0200: DE 48, SE 61, position 1 = 1 (Merchant terminal supports receipt of
partial approvals)
0210: DE 4 and DE 6 contain partial approval amounts; DE 54 (Additional
Amounts) contains original amount and associated information
0420: Full reversal or partial reversal of partial approval amount. DE 39
(Response Code) = 10 (Transaction request approved for the partial approval
amount); DE 60 (Advice Reason Code) contains specific reason for reversal;
DE 90 (Original Data Elements) identifies the original message; and DE 95, SF
1 (Actual Amount, Transaction) contains the completion amount.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 633
 Single Message Authorization
Table 3000461—Acquirer Credit and Debit—MSR Product and Services—Partial Approval—
Financial Transaction Request and Advice and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS
TRANSACTION
AND CVM OF
020 3000461000 CUSTOMER PA001
0 03 1 1 CHOICE 00 ** * * PA003 00
022
0 1 1 DE 39 = 00 00
Merchant terminal supports partial approval and issuer test cards provide
partial approval response. Acquirer sends completion advice for the partial
3 approval amount.
Acquirer may adjust DE 4 request amount to obtain partial approval amount
less than, equal to, or greater than requested amount.
0200: DE 48, SE 61, position 1 = 1 (Merchant terminal supports receipt of
partial approvals)
0210: DE 4 and DE 6 contain partial approval amounts; DE 54 contains
original amount and associated information
0220: DE 4 contains partial approval amount not to exceed the 0210 DE 4
partial approval amount
0220: DE 39 = 00 (Approved) and DE 60 = 291 (APS completion)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 634
 Single Message Authorization
Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Financial Transaction Requests

Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-time

Substantiation (U.S. Region)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests
containing various Eligibility Amount Types, and process the resulting Financial
Transaction Responses.

NOTE: Test cases assume merchant is SIGIS-compliant and terminal verified the purchased
items against an IIAS unless exempt from IIAS due to IRS 90% rule.

Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-time

Substantiation (U.S. Region)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000471000 CUSTOMER
0 01 1 1 CHOICE ** ** * * MSI_079 00
Merchant verifies against IIAS and provides vision RX eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
1
DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 12 (Vision Rx Eligibility Amount) only
DE 4 (Amount, Transaction) and DE 54 SF 4 (Amount) for SF 2 (Amount Type)
12 (Vision RX Eligibility Amount) contain the same amount value
Full approval of total amount

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 635
 Single Message Authorization
Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000471000 CUSTOMER
0 02 1 1 CHOICE ** ** * * MSI_079 00
Merchant verifies against IIAS and provides healthcare eligibility amount and
vision RX eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
2 DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount) and 12 (Vision
Rx Eligibility Amount)
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4
(Amount) for SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 12
(Vision Rx Eligibility Amount)
Full approval of total amount

POS BUSINESS
TRANSACTION
AND CVM OF
020 3000471000 CUSTOMER
0 03 1 1 CHOICE ** ** * * MSI_079 00
Merchant verifies against IIAS and provides healthcare eligibility amount,
prescription eligibility amount, and vision RX eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
3 DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount), 11
(Prescription Eligibility Amount), and 12 (Vision Rx Eligibility Amount)
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4
(Amount) for SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 12
(Vision Rx Eligibility Amount). The amount type 11 is included in amount type
10.
Full approval of total amount

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 636
 Single Message Authorization
Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000471000 CUSTOMER
0 04 1 1 CHOICE ** ** * * MSI_079 00
Merchant verifies against IIAS and provides healthcare eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
4
DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount) only
DE 4 (Amount, Transaction) and DE 54 SF 4 (Amount) for SF 2 (Amount Type)
10 (Healthcare Eligibility Amount) contain the same amount value
Full approval of total amount

POS BUSINESS
TRANSACTION
AND CVM OF
020 3000471000 CUSTOMER
0 05 1 1 CHOICE ** ** * * MSI_079 00
Merchant verifies against IIAS and provides healthcare eligibility amount and
prescription RX eligibility amount
DE 48, SE 32 (Mastercard Assigned ID) is present
5 DE 48, SE 61, SF 3 = 1 (Merchant terminal did verify purchased items against
Inventory Information Approval System [IIAS])
DE 54, SF 2 (Amount Type) = 10 (Healthcare Eligibility Amount) and 11
(Prescription Rx Eligibility Amount)
DE 4 (Amount, Transaction) equals DE 54 SF 4 (Amount) for SF 2 (Amount
Type) 10 (Healthcare Eligibility Amount). The amount type 11 is included
within amount type 10.
Full approval of total amount

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 637
 Single Message Authorization
Table 3000471—Acquirer Credit and Debit—MSR Product and Services—Real-time
Substantiation (U.S. Region)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS BUSINESS
TRANSACTION
AND CVM OF
020 3000471000 CUSTOMER
0 06 1 1 CHOICE ** ** * * MSI_082 10
042
0 1 1 DE 39 = 00 00
Merchant terminal supports partial approvals and merchant verifies against
IIAS and provides healthcare and prescription eligibility amounts.
DE 48, SE 32 contains the merchant Mastercard Assigned ID
DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial
6 approvals)
DE 48, SE 61, SF 3 = 1 (Merchant terminal verified the purchased items
against an Inventory Information Approval System [IIAS])
DE 4 (Amount, Transaction) equals the combined sum of DE 54 SF 4
(Amount) for SF 2 (Amount Type) 10 (Healthcare Eligibility Amount) and 11
(Prescription Eligibility Amount)
Partial approval of healthcare eligibility amount including prescriptions.
0210: DE 54, SF 2 (Amount Type) = 57 (Original Amount) contains the amount
from the 0100 DE 4 (Amount, Transaction)
Reversing issuer partial approval because cardholder cancelled purchase.
0420: DE 95, SF 1 contains the partial approval amount from 0210 message

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 638
 Single Message Authorization
Table 3000505—Acquirer Credit and Debit—MSR Product and Services—Merchant Tax ID (Brazil)
—Financial Transaction Requests

Table 3000505—Acquirer Credit and Debit—MSR Product and Services—Merchant

Tax ID (Brazil)—Financial Transaction Requests
The following test cases will test whether an acquirer Single Message online
application is able to send properly formatted Financial Transaction Requests
containing merchant's personal tax ID or commercial tax ID for Brazil acquired
POS activity; and process the resulting Financial Transaction Responses.

Table 3000505—Acquirer Credit and Debit—MSR Product and Services—Merchant

Tax ID (Brazil)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CP
PURCHASE
BUSINESS
TRANSACTION
1 AND CVM OF
020 3000502000 CUSTOMER
0 01 1 1 CHOICE 00 ** * * 1V16A 00
Brazil acquired point-of-sale activity containing DE 112, SE 29 with 11-digit
personal tax ID.
POS CP
PURCHASE
BUSINESS
TRANSACTION
2 AND CVM OF
020 3000505000 CUSTOMER
0 02 1 1 CHOICE 00 ** * * 1V16A 00
Brazil acquired point-of-sale activity containing DE 112, SE 29 with 14-digit
commercial tax ID.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 639
 Single Message Authorization
Table 3000545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Financial Transaction Requests

Table 3000545—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Paraguay)—Financial Transaction Requests
The following test cases will test whether an acquirer Single Message online
application can send various types of Paraguay domestic normal purchase
transactions containing applicable data in correctly formatted Financial
Transaction Request messages and receive the resulting Financial Transaction
Responses.

Table 3000545—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Paraguay)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 01 1 1 CHOICE 00 ** * * 1V16A 00
1
DE 18 = 9399 (Government Services—not elsewhere classified)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 02 1 1 CHOICE 00 ** * * 1V16A 00
2
DE 18 = 5541 (Service Stations with or without Ancillary Services)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 640
 Single Message Authorization
Table 3000545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 03 1 1 CHOICE 00 ** * * 1V16A 00
3
DE 18 = 5411 (Grocery Stores, Supermarkets)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 04 1 1 CHOICE 00 ** * * 1V16A 00
4
DE 18 = 5399 (Grocery Stores, Supermarkets)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 05 1 1 CHOICE 00 ** * * 1V16A 00
5
DE 18 = 5814 (Fast Food Restaurants)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 06 1 1 CHOICE 00 ** * * 1V16A 00
6
DE 18 = 9311 (Tax Payments)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 641
 Single Message Authorization
Table 3000545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 07 1 1 CHOICE 00 ** * * 1V16A 00
7
DE 18 = 5310 (Discount Stores)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 08 1 1 CHOICE 00 ** * * 1V16A 00
8
DE 18 = 4511 (Air Carriers, Airlines—Not Elsewhere Classified)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 09 1 1 CHOICE 00 ** * * 1V16A 00
9
DE 18 = 5722 (Household Appliance Stores)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 10 1 1 CHOICE 00 ** * * 1V16A 00
10
DE 18 = 5122 (Drugs, Drug Proprietors, and Druggists Sundries)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 642
 Single Message Authorization
Table 3000545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 11 1 1 CHOICE 00 ** * * 1V16A 00
11
DE 18 = 5411 (Grocery Stores, Supermarkets)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421069 may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 12 1 1 CHOICE 00 ** * * 1V16A 00
12 DE 18 = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421070 may be present

POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 13 1 1 CHOICE 00 ** * * 1V16A 00
13 DE 18 = 4814 (Telecommunication Services including but not limited to
prepaid phone services and recurring phone services)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421071 may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 643
 Single Message Authorization
Table 3000545—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Paraguay)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
AND CVM OF
020 3000545000 CUSTOMER
0 14 1 1 CHOICE 00 ** * * 1V16A 00
14
DE 18 = 5311 (Department Stores)
DE 43, SF 5 (Country Code) = PRY; DE 49 (Currency Code, Transaction) = 600;
and DE 61, SF 13 (POS Country Code) = 600
If applicable, DE 48, SE 32 (Mastercard Assigned ID) = 421072 may be present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 644
 Single Message Authorization
Table 3000550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Financial Transaction Requests and Reversal

Table 3000550—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Colombia)—Financial Transaction Requests and Reversal
The following test cases will test whether an acquirer Single Message online
application can send various types of Colombia domestic transactions containing
applicable data in correctly formatted Financial Transaction Requests and Reversal
messages and receive the resulting Financial Transaction Responses.

Table 3000550—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Colombia)—Financial Transaction Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000550000 PURCHASE MSI_001
0 01 N/A 1 ONLINE PIN 00 90 0 V MSI_002 00
Restaurant transaction with 10% gratuity.
1 DE 4 (Amount, Transaction) contains gratuity amount and tax (IAC).
DE 54 contains amount type 44 (Amount Gratuity).
DE 124 contains Colombia domestic transaction information including SF 16
(Tax/IAC).

MSR
020 3000550000 PURCHASE MSI_001
0 02 N/A 1 ONLINE PIN 00 90 0 V MSI_002 00
042
0 N/A 1 DE 39 = 00 00
Purchase transaction; followed by customer cancellation full amount reversal
2 transaction.
DE 4 (Amount, Transaction) contains value-added tax (IVA).
DE 124 contains Colombia domestic transaction information including SF 2
(Tax/IVA).
0420: DE 60 present; DE 124 contains Colombia domestic transaction
information including SF 10 (Original Transaction Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 645
 Single Message Authorization
Table 3000550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Financial Transaction Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR CAT
LEVEL 1 POS
BALANCE
020 3000550000 INQUIRY MSI_001
3 0 03 N/A 1 ONLINE PIN 30 90 1 V MSI_002 00
POS Balance Inquiry transaction.
DE 124 contains Colombia domestic transaction information.

MSR
020 3000550000 PURCHASE MSI_001
0 04 N/A 1 ONLINE PIN 00 90 0 V MSI_002 00

4 Utilities transaction.
DE 4 (Amount, Transaction) contains value-added tax (IVA).
DE 124 contains Colombia domestic transaction information including SF 2
(Tax/IVA), SF 6 = 150000 (Public utilities).

MSR
020 3000550000 PURCHASE MSI_001
0 05 N/A 1 ONLINE PIN 00 90 0 V MSI_002 00
Billing payment transaction.
5
DE 4 (Amount, Transaction) contains value-added tax (IVA).
DE 124 contains Colombia domestic transaction information including SF 2
(Tax/IVA), SF 6 = 350000 (Billing payment), SF 7 with bill payment
information, SF 11 = 1 (Check payment).

MSR
020 3000550000 PURCHASE MSI_001
0 06 N/A 1 ONLINE PIN 00 90 0 V MSI_002 00
Cellular phone top up transaction.
6
DE 4 (Amount, Transaction) contains value-added tax (IVA).
DE 124 present contains Colombia domestic transaction information including
SF 2 (Tax/IVA), SF 6 = 380000 (Cellular phone top up), SF 7 with top up data
information.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 646
 Single Message Authorization
Table 3000550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Financial Transaction Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
PURCHASE
WITH CASH
020 3000550000 BACK ONLINE MSI_001
7 0 07 N/A 1 PIN 09 90 0 V MSI_002 00
Purchase with Cash Back transaction.
DE 54 (Additional Amounts) and DE 124 present.

020 3000550000 MSR REFUND MSI_001

0 08 N/A 1 NO CVM 20 90 0 MSI_002 00

8 Refund transaction.
DE 4 (Amount, Transaction) sent.
DE 124 contains Colombia domestic transaction information.

MSR CAT
LEVEL 9
020 3000550000 PURCHASE MSI_001
0 09 N/A 1 ONLINE PIN 00 90 9 V MSI_002 00
9
Attended mobile POS terminal, on or off premises.
0200: DE 61, SF 10 = 9 (mPOS Acceptance Device) and DE 61, SF 1 = 0
(Attended Terminal); DE 124 present.

MSR
020 3000550000 PURCHASE MSI_001
0 10 N/A 1 ONLINE PIN 00 90 0 V MSI_002 00
Large retail purchase transaction.
10
DE 4 (Amount, Transaction) contains value-added tax (IVA).
MCC may be 5311 and DE 110, SF 1 required.
DE 124 present contains Colombia domestic transaction information.

020 3000550000 MSR PAYMENT MSI_001

0 11 N/A 1 SIGNATURE 28 90 0 MSI_002 00

11 Payment transaction.
DE 48 TCC as P and SE 77 = CXX depending of supported payment
capabilities; DE 124 present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 647
 Single Message Authorization
Table 3000550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Financial Transaction Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
020 3000550000 PAYMENT NO MSI_001
0 12 N/A 1 CVM 28 01 0 MSI_002 00
12
Payment transaction.
DE 48 TCC as P and SE 77 = CXX depending of supported payment
capabilities; DE 124 present.

MCS_00
1
MSR CAT DMC_00
LEVEL 1 ATM 1
13
020 3000550000 WITHDRAWAL MSI_001
0 21 N/A 1 ONLINE PIN 01 90 1 V MSI_002 00
DE 3, SF 2 according to account selection.

MCS_00
1
MSR CAT DMC_00
LEVEL 1 ATM 1
020 3000550000 WITHDRAWAL MSI_001
0 22 N/A 1 ONLINE PIN 01 90 1 V MSI_002 00
14
042
0 N/A 1 DE 39 = 00 00
DE 3, SF 2 according to account selection.
DE 60 = 450 0018 (Zero dispense; card returned; POI failure)

MCS_00
MSR CAT 1
LEVEL 1 ATM DMC_00
BALANCE 1
15
020 3000550000 INQUIRY MSI_001
0 23 N/A 1 ONLINE PIN 30 90 1 V MSI_002 00
DE 3, SF 2 according to account selection.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 648
 Single Message Authorization
Table 3000550—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Colombia)—Financial Transaction Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCS_00
MSR CAT 1
LEVEL 1 ATM DMC_00
WITHDRAWAL 1
020 3000550000 FEE INQUIRY MSI_001
16 0 24 N/A 1 ONLINE PIN 01 90 1 V MSI_002 00
0200 Fee inquiry: DE 61, SF 7 (POS Transaction Status Indicator) = 8 (Account
Status Inquiry) and DE 112, SE 35 = 01 (Issuer Fee inquiry).
0210 Fee Response : DE 112, SE 36 = fee amount.

MCS_00
1
MSR CAT DMC_00
LEVEL 1 ATM 1
17
020 3000550000 WITHDRAWAL MSI_001
0 25 N/A 1 ONLINE PIN 01 90 1 V MSI_002 00
DE 3, SF 2 according to account selection, DE 28 present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 649
 Single Message Authorization
Table 3000560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Chile)—Financial Transaction Requests

Table 3000560—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Chile)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message System
application can send various types of Chile domestic transactions containing
applicable data in correctly formatted Financial Transaction Requests and receive
the resulting Financial Transaction Responses.

Table 3000560—Acquirer Credit and Debit—MSR Product and Services—Domestic

Processing (Chile)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000560000 PURCHASE MSI_CHL
0 01 0 1 ONLINE PIN 00 90 1 V _000 00
1
DE 4 = $120,000.00
DE 18 = 4511 (SKY AIRLINES)

MSR
020 3000560000 PURCHASE MSI_CHL
0 02 0 1 ONLINE PIN 00 90 1 V _000 00
2
DE 4 = $100,000.00
DE 18 = 4784 (COSTANERA NORTE)

MSR
020 3000560000 PURCHASE MSI_CHL
0 03 0 1 ONLINE PIN 00 90 1 V _000 00
3
DE 4 = $75,000.00
DE 18 = 4899 (MOVISTAR)

MSR
020 3000560000 PURCHASE MSI_CHL
0 04 0 1 ONLINE PIN 00 90 1 V _000 00
4
DE 4 = $60,000.00
DE 18 = 4900 (ABASTIBLE)

MSR
020 3000560000 PURCHASE MSI_CHL
0 05 0 1 ONLINE PIN 00 90 1 V _000 00
5
DE 4 = $125,000.00
DE 18 = 5251 (COVEPA)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 650
 Single Message Authorization
Table 3000560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Chile)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000560000 PURCHASE MSI_CHL
0 06 0 1 ONLINE PIN 00 90 1 V _000 00
6 DE 4 = $130,000.00
DE 18 = 5311 (FALABELLA)
MAID = 227926

MSR
020 3000560000 PURCHASE MSI_CHL
0 07 0 1 ONLINE PIN 00 90 1 V _000 00
7 DE 4 = $80,000.00
DE 18 = 5411 (EXP LIDER)
MAID = 227929

MSR
020 3000560000 PURCHASE MSI_CHL
0 08 0 1 ONLINE PIN 00 90 1 V _000 00
8 DE 4 = $85,000.00
DE 18 = 5411 (ALVI)
MAID = 227941

MSR
020 3000560000 PURCHASE MSI_CHL
0 09 0 1 ONLINE PIN 00 90 1 V _000 00
9
DE 4 = $90,000.00
DE 18 = 5411 (SUPERMERCADO GRECIA)

MSR
020 3000560000 PURCHASE MSI_CHL
0 10 0 1 ONLINE PIN 00 90 1 V _000 00
10
DE 4 = $65,000.00
DE 18 = 5541 (COPEC)

MSR
020 3000560000 PURCHASE MSI_CHL
0 11 0 1 ONLINE PIN 00 90 1 V _000 00
11
DE 4 = $110,000.00
DE 18 = 5814 (BURGER KING)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 651
 Single Message Authorization
Table 3000560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Chile)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000560000 PURCHASE MSI_CHL
0 12 0 1 ONLINE PIN 00 90 1 V _000 00
12 DE 4 = $145,000.00
DE 18 = 5912 (SALCOBRAND)
MAID = 227945

MSR
020 3000560000 PURCHASE MSI_CHL
0 13 0 1 ONLINE PIN 00 90 1 V _000 00
13
DE 4 = $150,000.00
DE 18 = 5912 (C. VERDE)

MSR
020 3000560000 PURCHASE MSI_CHL
0 14 0 1 ONLINE PIN 00 90 1 V _000 00
14
DE 4 = $135,000.00
DE 18 = 6513 (CONDOMINIO (Gastos comunes))

MSR
020 3000560000 PURCHASE MSI_CHL
0 15 0 1 ONLINE PIN 00 90 1 V _000 00
15
DE 4 = $140,000.00
DE 18 = 8011 (ORTOMEDICA)

MSR
020 3000560000 PURCHASE MSI_CHL
0 16 0 1 ONLINE PIN 00 90 1 V _000 00
16
DE 4 = $70,000.00
DE 18 = 8211 (CFT SANTO TOMAS)

MSR
020 3000560000 PURCHASE MSI_CHL
0 17 0 1 ONLINE PIN 00 90 1 V _000 00
17
DE 4 = $55,000.00
DE 18 = 8398 (FUNDAC. LAS ROSAS)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 652
 Single Message Authorization
Table 3000560—Acquirer Credit and Debit—MSR Product and Services—Domestic Processing
(Chile)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000560000 PURCHASE MSI_CHL
0 18 0 1 ONLINE PIN 00 90 1 V _000 00
18
DE 4 = $50,000.00
DE 18 = 9311 (S.I.I.CONTRIBUCIONES)

MSR
020 3000560000 PURCHASE MSI_CHL
0 19 0 1 ONLINE PIN 00 90 1 V _000 00
19 DE 4 = $115,000.00
DE 18 = 4511 (LAN)
MAID = 199738

MSR
020 3000560000 PURCHASE MSI_CHL
0 20 0 1 ONLINE PIN 00 90 1 V _000 00
20
DE 4 = $95,000.00
DE 18 = 5511 (KLASSIK CAR S.A.)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 653
 Single Message Authorization
Table 3000601—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (All Business Transactions)—Financial Transaction Requests

Table 3000601—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (All Business Transactions)—Financial Transaction
Requests
The tests in this table and table 3000602 will test whether an acquirer's Single
Message financial application can send correctly formatted Financial Transaction
Requests for various contactless magnetic stripe business transactions and
process the resulting Financial Transaction Responses.

NOTE: For all tests in this table, DE 61, SF 11 (POS Card Data Terminal Input Capability
Indicator) must contain the following information, based on the acquirer's terminal
capabilities:
• For terminals supporting both contactless M/Chip and contactless Magnetic Stripe
transactions: 3 (Contactless M/Chip [Proximity Chip])
• For terminals supporting only contactless Magnetic Stripe transactions: 4 (Contactless
Magnetic Stripe [Proximity Chip] only)

NOTE: The tests in this table and table 3101001 are for specific implementations in the
United States where Maestro Transactions are initiated using Debit Mastercard cards.
These tables must be initiated using cards from the NIV Test Tools Subset 6 which currently
only supplies MCC cards.

Table 3000601—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (All Business Transactions)—Financial Transaction
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
1 020 3000601000 PURCHASE MCC_35
0 01 1 N/A ONLINE PIN 00 91 0 V 1 00

MSR
CONTACTLESS
2 PURCHASE
020 3000601000 SIGNATURE OR MCC_35
0 02 1 N/A NO CVM 00 91 0 1 00

MSR
CONTACTLESS
3 CAT LEVEL 1
020 3000601000 PURCHASE MCC_35
0 03 1 N/A ONLINE PIN 00 91 1 V 1 00

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 654
 Single Message Authorization
Table 3000601—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (All Business Transactions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
4 CAT LEVEL 2
020 3000601000 PURCHASE NO MCC_35
0 04 1 N/A CVM 00 91 2 1 00

MSR
CONTACTLESS
PURCHASE
5 WITH CASH
020 3000601000 BACK ONLINE MCC_35
0 05 1 N/A PIN 09 91 0 V 1 00

MSR
CONTACTLESS
ATM BALANCE
020 3000601000 INQUIRY MCC_35
6 0 11 1 N/A ONLINE PIN 30 91 1 V 1 00
DE 3, SF 2 of customer choice.
0210: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

MSR
CONTACTLESS
ATM
020 3000601000 WITHDRAWAL MCC_35
0 12 1 N/A ONLINE PIN 01 91 1 V 1 00
7
042
0 1 N/A DE 39 = 00 00
DE 3, SF 2 of customer choice.
0420: Full reversal, DE 39 = 00.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 655
 Single Message Authorization
Table 3000602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Financial Transaction Requests and Reversal

Table 3000602—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (Technical Conditions)—Financial Transaction
Requests and Reversal
These cases test whether the terminals customer deploy can correctly process
contactless magnetic stripe cards which have specific values set in the data
contained on the cards.

NOTE: The terminal being tested must have previously been approved (hardware/software/
firmware) by Mastercard. For all tests in this table, DE 61, SF 11 (POS Card Data Terminal
Input Capability Indicator) must contain the following information, based on the acquirer's
terminal capabilities:
• For terminals supporting both contactless M/Chip and contactless Magnetic Stripe
transactions: 3 (Contactless M/Chip [Proximity Chip])
• For terminals supporting only contactless Magnetic Stripe transactions: 4 (Contactless
Magnetic Stripe [Proximity Chip] only)

NOTE: The tests in this table are for implementations in the United States where Maestro
transactions are initiated using Debit Mastercard cards. These tests must be initiated using
cards from the NIV Test Tools Subset 6. Customers should use the indicated MCC card in
the existing set to initiate transactions. These tests are primarily designed to complete the
Terminal Integration Process (TIP) to ensure that the contactless magnetic stripe terminal
conforms to Mastercard requirements. Since no separate TIP task exists for contactless
magnetic stripe, TIP is executed as part of NIV using this table.

NOTE: The CVM Limit values referenced in the test table can be found in Appendix C of the
Chargeback Guide, under the product name —Contactless—. The Contactless Transaction
Limit values referenced in the test table can be found in Chapter 4 of the M/Chip
Requirements for Contact and Contactless.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 656
 Single Message Authorization
Table 3000602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Financial Transaction Requests and Reversal

Table 3000602—Acquirer Credit and Debit—MSR Product and Services—

Contactless Magnetic Stripe (Technical Conditions)—Financial Transaction
Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
020 3000602000 OF CUSTOMER MCC_35
1 0 01 1 N/A CHOICE ** 91 * * 3 00
Service code = 502 per contactless magnetic stripe rules, acquirer ignores
service code in determining processing options.
0200 message must include Device Type = Mobile Tag (DE 48, SE 23 = 04), if
Acquirer supports transmittal of Device Type values.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
020 3000602000 OF CUSTOMER MCC_35
2 0 02 1 N/A CHOICE ** 91 * * 4 00
Service code = 601 per contactless magnetic stripe rules, acquirer ignores
service code in determining processing options.
Expired card—per contactless magnetic stripe rules, acquirer must not decline
because of expired card.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 657
 Single Message Authorization
Table 3000602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Financial Transaction Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
020 3000602000 OF CUSTOMER MCC_35
0 03 1 N/A CHOICE ** 91 * * 6 00
Service code = 101.
3 Card MCC_356 provides three different values for the discretionary data area
of the track data. Test cases 3 through 5 represent running a transaction with
card MCC_356 three times so that each different value is sent. So one test
case in the series should include one of the following track data values,
depending on the customers use of track 1 or track 2:
Track 1: B5413330056003560^CUST IMP MC 356/
1^251210100000170099909919769790.
Track 2: 5413330056003560D25121010000066010.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
020 3000602000 OF CUSTOMER MCC_35
0 04 1 N/A CHOICE ** 91 * * 6 00
Service code = 101.
4 Card MCC_356 provides three different values for the discretionary data area
of the track data. Test cases 3 through 5 represent running a transaction with
card MCC_356 three times so that each different value is sent. So one test
case in the series should include one of the following track data values,
depending on the customers use of track 1 or track 2:
Track 1: B5413330056003560^CUST IMP MC 356/
2^251210100300009900276999009990.
Track 2: 5413330056003560D25121019090298920.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 658
 Single Message Authorization
Table 3000602—Acquirer Credit and Debit—MSR Product and Services—Contactless Magnetic
Stripe (Technical Conditions)—Financial Transaction Requests and Reversal

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
BUSINESS
TRANSACTION
020 3000602000 OF CUSTOMER MCC_35
0 05 1 N/A CHOICE ** 91 * * 6 00
Service code = 101.
5 Card MCC_356 provides three different values for the discretionary data area
of the track data. Test cases 3 through 5 represent running a transaction with
card MCC_356 three times so that each different value is sent. So one test
case in the series should include one of the following track data values,
depending on the customers use of track 1 or track 2:
Track 1: B5413330056003560^CUST IMP MC 356/
3^251210100990399049909990599320.
Track 2: 5413330056003560D25121010109743970.

MSR
CONTACTLESS
BUSINESS
TRANSACTION
020 3000602000 OF CUSTOMER MCC_40
0 06 1 N/A CHOICE ** 91 * * 6 00
Card is an M/Chip contactless card. Service code = 201.
6 Customer must provide both transaction receipt and terminal display details.
DE 4 (Amount, Transaction) must be 000000010033 to obtain appropriate
data in response message.
0200 message must include Device Type = Card DE 48, SE 23 = 00, if Acquirer
supports transmittal of Device Type values.
PAN Mapping File Information (DE 48, SE 33) included in 0210.
This test case must not be executed by Contactless M/Chip acquirers.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 659
 Single Message Authorization
Table 3000621—Acquirer Credit and Debit—MSR Product and Services—Transit Program
(Prefunded Model)—Financial Transaction Requests

Table 3000621—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Prefunded Model)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests for the
Transit Prefunded Model transaction and process the resulting Financial
Transaction Responses.

Table 3000621—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Prefunded Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000621000 PURCHASE NO
0 01 1 N/A CVM 00 81 6 MSI_406 00
Transit Prefunded Model transaction
DE 4 (Amount, Transaction) contains fare for travel subscription or plan

1 DE 18 (Merchant Type) contains applicable Merchant Category Code

DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 01 (Prefunded) and
SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 660
 Single Message Authorization
Table 3000622—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Real-
Time Authorized Model)—Financial Transaction Requests

Table 3000622—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Real-Time Authorized Model)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests for the
Transit Debt Recovery for Real-Time Authorized Model transactions, and process
the resulting Financial Transaction Responses.

Table 3000622—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Real-Time Authorized Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
020 3000622000 PURCHASE NO
0 07 1 N/A CVM 00 01 0 MSI_406 00
Card not present manual entry debt recovery transit transaction for
automatic debt recovery, mail order, or phone order
DE 2 (Primary Account Number [PAN]) contains funding PAN
1 DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 661
 Single Message Authorization
Table 3000622—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Real-
Time Authorized Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000622000 PURCHASE NO
0 08 1 N/A CVM 00 01 6 MSI_406 00
Card not present electronic commerce debt recovery transit transaction
DE 2 (Primary Account Number [PAN]) contains funding PAN
DE 4 (Amount, Transaction) contains amount to be recovered
2 DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 662
 Single Message Authorization
Table 3000626—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Financial Transaction Requests

Table 3000626—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests for the
Transit Debt Recovery for Post-Authorized Aggregated Maestro Model
transactions and process the resulting Financial Transaction Responses.

Table 3000626—Acquirer Credit and Debit—MSR Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
020 3000626000 PURCHASE NO
0 07 1 N/A CVM 00 01 0 MSI_406 00
Card not present manual entry debt recovery transit transaction for
automatic debt recovery, mail order, or phone order
DE 2 (Primary Account Number [PAN]) contains funding PAN
1 DE 4 (Amount, Transaction) contains amount to be recovered
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 663
 Single Message Authorization
Table 3000626—Acquirer Credit and Debit—MSR Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000626000 PURCHASE NO
0 08 1 N/A CVM 00 01 6 MSI_406 00
Card not present electronic commerce debt recovery transit transaction
DE 2 (Primary Account Number [PAN]) contains funding PAN
DE 4 (Amount, Transaction) contains amount to be recovered
2 DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 42 (Electronic Commerce Indicators) is present
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 664
 Single Message Authorization
Table 3000633—Acquirer Credit and Debit—MSR Product and Services—Electric Vehicle Charging
—Financial Transaction Requests

Table 3000633—Acquirer Credit and Debit—MSR Product and Services—Electric

Vehicle Charging—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Credential on File Financial Transaction
Request messages for Electric Vehicle Charging transactions and receive the
resulting Financial Transaction Response. The consumer downloads a proprietary
merchant app to their phone and stores a card on file with the merchant. The
consumer will load value to the wallet and the stored value balance is decreased by
each purchase amount. As needed, value is added via a top-up transaction.

NOTE: Please see AN 3852—Revised Standards—Electric Vehicle Charging Transaction

Processing Procedures for details.

Table 3000633—Acquirer Credit and Debit—MSR Product and Services—Electric

Vehicle Charging—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000633000 PURCHASE NO
0 01 1 N/A CVM 00 10 6 1V16A 00
Authorization for electric vehicle charging; cardholder specifies order quantity;
and issuer approves request amount
DE 4 (Amount, Transaction) equals the amount for the service requested by
the cardholder
1
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00001
indicating final authorization
DE 61, SF 7 = 0 (Normal request)

NOTE: If request declined, merchant can resubmit the request later or request
a different payment instrument

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 665
 Single Message Authorization
Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated

Fuel Dispenser—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted preauthorization Financial Transaction
Request for Automated Fuel Dispenser transactions; receive the resulting Financial
Transaction Response; and then send completion Reversal Advice message.

NOTE: Please see AN 3886—Revised Standards—Automated Fuel Dispenser Transaction

Processing Procedures for details and effective dates and also AN 2697—Revised Standards
—Electronic Commerce Transactions at Automated Fuel Dispensers.

Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated

Fuel Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR OR MSR
CONTACTLESS
PURCHASE
CAT LEVEL 1V16A
AND CVM OF DMC_40
020 3000645000 CUSTOMER 6
0 01 1 1 CHOICE 00 ** * * MSI_406 00
042
0 1 1 DE 39 = 00 00
AFD swipe or tap preauthorization approved and completion advice sent
within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
1 representing the terminal—s maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0420: DE 4 contains preauthorization request amount from 0200 and DE 95
contains final AFD amount (pumped amount)
0420: DE 39 = 00 (Approved) and DE 60, SF 1 = 4510010 (Partial dispense:
card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 666
 Single Message Authorization
Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR OR MSR
CONTACTLESS
PURCHASE
CAT LEVEL PA001
AND CVM OF DMC_40
020 3000645000 CUSTOMER 6
0 02 1 1 CHOICE 00 ** * * MSI_406 10
042
0 1 1 DE 39 = 10 00
AFD swipe or tap preauthorization partially approved and completion advice
sent within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal—s maximum dispense or shut-off amount; a specific
2 amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator)
DE 61, SF 7 = 4 (Preauthorized Request)
0210: DE 4 contains partial approval amount; pump should stop if that
amount is reached
0420: DE 4 contains partial approval amount from 0210 and DE 95 contains
final AFD amount
0420: DE 39 = 10 (Partial Approval) and DE 60, SF 1 = 4510010 (Partial
dispense: card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 667
 Single Message Authorization
Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR OR MSR
CONTACTLESS
PURCHASE
CAT LEVEL 1V16A
AND CVM OF DMC_40
020 3000645000 CUSTOMER 6
0 03 1 1 CHOICE 00 ** * * MSI_406 00
042
0 1 1 DE 39 = 00 00
AFD swipe or tap preauthorization approved and full reversal sent within 60
minutes due to cancelled purchase or no fuel pumped
DE 4 (Amount, Transaction) contains either an estimated amount
3 representing the terminal—s maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0420: DE 4 contains preauthorization request amount from 0200 and DE 95, if
present, must contain all zeros to indicate a full reversal
0420: DE 39 = 00 (Approved) and DE 60, SF 1 = 4530041 (Financial
transaction cancellation: card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 668
 Single Message Authorization
Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CNP
APPLICABLE
BUSINESS
TRANSACTION
OF CUSTOMER
CHOICE
PURCHASE
020 3000645000 CAT LEVEL 6
0 11 1 1 NO CVM 00 ** 6 1V16A 00
042
0 1 1 DE 39 = 00 00
AFD in-app preauthorization approved and completion advice sent within 60
minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal—s maximum dispense or shut-off amount; a specific
4 amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 81 (Electronic Commerce with optional
Identity Check AAV or DSRP cryptogram); 09 (DSRP cryptogram in DE 55); or
10 (Credential on File)
DE 48, SE 42 (Electronic Commerce Indicators) and, if applicable, SE 43
(UCAF) valid values of customer choice
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0420: DE 4 contains preauthorization request amount from 0200 and DE 95
contains final AFD amount (pumped amount)
0420: DE 39 = 00 (Approved) and DE 60, SF 1 = 4510010 (Partial dispense:
card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 669
 Single Message Authorization
Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CNP
APPLICABLE
BUSINESS
TRANSACTION
OF CUSTOMER
CHOICE
PURCHASE
020 3000645000 CAT LEVEL 6
0 12 1 1 NO CVM 00 ** 6 PA001 10
042
0 1 1 DE 39 = 10 00
AFD in-app preauthorization partially approved and completion advice sent
within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal—s maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
5
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 81 (Electronic Commerce with optional
Identity Check AAV or DSRP cryptogram); 09 (DSRP cryptogram in DE 55); or
10 (Credential on File)
DE 48, SE 42 (Electronic Commerce Indicators) and, if applicable, SE 43
(UCAF) valid values of customer choice
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator)
DE 61, SF 7 = 4 (Preauthorized Request)
0210: DE 4 contains partial approval amount; pump should stop if that
amount is reached
0420: DE 4 contains partial approval amount from 0210 and DE 95 contains
final AFD amount
0420: DE 39 = 10 (Partial Approval) and DE 60, SF 1 = 4510010 (Partial
dispense: card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 670
 Single Message Authorization
Table 3000645—Acquirer Credit and Debit—MSR Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CNP
APPLICABLE
BUSINESS
TRANSACTION
OF CUSTOMER
CHOICE
PURCHASE
020 3000645000 CAT LEVEL 6
0 13 1 1 NO CVM 00 ** 6 1V16A 00
042
0 1 1 DE 39 = 00 00
AFD in-app preauthorization approved and full reversal sent within 60
minutes due to cancelled purchase or no fuel pumped
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminal—s maximum dispense or shut-off amount; a specific
6 amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 81 (Electronic Commerce with optional
Identity Check AAV or DSRP cryptogram); 09 (DSRP cryptogram in DE 55); or
10 (Credential on File)
DE 48, SE 42 (Electronic Commerce Indicators) and, if applicable, SE 43
(UCAF) valid values of customer choice
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0420: DE 4 contains preauthorization request amount from 0200 and DE 95, if
present, must contain all zeros to indicate a full reversal
0420: DE 39 = 00 (Approved) and DE 60, SF 1 = 4530041 (Financial
transaction cancellation: card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 671
 Single Message Authorization
Table 3000709—Acquirer Credit and Debit—MSR Product and Services—Terminal Compliance
Indicator (India)—Financial Transaction Requests

Table 3000709—Acquirer Credit and Debit—MSR Product and Services—Terminal

Compliance Indicator (India)—Financial Transaction Requests
The following test case will test whether an acquirer Single Message online
application is able to send properly formatted Financial Transaction Requests
containing the Terminal Compliant Indicator in DE 48, subelement 65 for POS
transactions acquired in the country of India and process the resulting Financial
Transaction Responses.

Table 3000709—Acquirer Credit and Debit—MSR Product and Services—Terminal

Compliance Indicator (India)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000709000 PURCHASE
0 01 1 0 ONLINE PIN 00 90 0 V 1V16A 00
1
0200: DE 48, SE 65 (Terminal Compliant Indicator) indicating certification of
Terminal Line Encryption (TLE) and Unique Key Per Terminal/Derived Unique
Key Per Terminal (UKPT/DUKPT).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 672
 Single Message Authorization
Table 3000808—Acquirer Credit and Debit—MSR Product and Services—Account Status Inquiry
Service—Financial Transaction Requests

Table 3000808—Acquirer Credit and Debit—MSR Product and Services—Account

Status Inquiry Service—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Account Status Inquiry transactions, including
optional CVC 2 in the Financial Transaction Requests, and process the resulting
Financial Transaction Response information, including DE 39 (Response Code), as
well as any CVC 2 response.

NOTE: Acquirers may use Card ID ASIS00 to obtain response code 00 (Approved or
completed successfully), ASIS85 for response code 85 (Not declined), or ASIS05 for
response code 05 (Do not honor).

Table 3000808—Acquirer Credit and Debit—MSR Product and Services—Account

Status Inquiry Service—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS CNP
BUSINESS
TRANSACTION
1 020 3000808000 OF CUSTOMER
0 01 1 1 CHOICE ** ** * ASIS85 85
Account status inquiry only
POS CNP
BUSINESS
TRANSACTION
020 3000808000 OF CUSTOMER
2 0 02 1 1 CHOICE ** ** * CVC2M 85
Account status inquiry with CVC 2 request
0210: DE 48, SE 87 = M (Valid CVC 2)

POS CNP
BUSINESS
TRANSACTION
020 3000808000 OF CUSTOMER
3 0 03 1 1 CHOICE ** ** * CVC2N 85
Account status inquiry with CVC 2 request
0210: DE 48, SE 87 = N (Invalid CVC 2)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 673
 Single Message Authorization
Table 3000808—Acquirer Credit and Debit—MSR Product and Services—Account Status Inquiry
Service—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
PAYMENT ASIS00
020 3000808000 TRANSACTION ASIS85
0 04 1 1 NO CVM 28 01 0 ASIS05 V
Account Status Inquiry for a Payment Transaction
DE 3, SF 1 = 28 (Payment Transaction) and DE 4 = zero amount or non-zero
4 amount
DE 18 = MCC 6533 (Payment Transaction—Merchant) or MCC 6532 (Payment
Transaction—Customer Financial Institution) or any other valid value for the
payment transaction type
DE 48tcc = P (Payment) and SE 77 contains any valid value except MoneySend
Payment Types.
DE 61, SF 7 = 8 (Account Status Inquiry Service)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 674
 Single Message Authorization
Table 3000821—Acquirer Credit and Debit—MSR Product and Services—MoneySend Payment
Transactions—Financial Transaction Requests and Reversals

Table 3000821—Acquirer Credit and Debit—MSR Product and Services—MoneySend

Payment Transactions—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Mastercard MoneySend Payment Transactions in the
Financial Transaction Request and Reversal and process the resulting Financial
Transaction Response.

NOTE: Acquirer must be an approved MoneySend Originating Institution (OI) or transaction

will be rejected.

Table 3000821—Acquirer Credit and Debit—MSR Product and Services—MoneySend

Payment Transactions—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
PAYMENT
020 3000821000 TRANSACTION
0 01 1 1 NO CVM 28 81 6 1V16A 00
DE 4 transaction amount must be 000000006700 to receive appropriate data
in response.
DE 14 (Date, Expiration) is optional.
1 DE 18 = MCC 6537 (MoneySend Intercountry) or MCC 6536 (MoneySend
Intracountry)
DE 48tcc = P (Payment) and SE 77 contains valid MoneySend value of
customer choice.
DE 108 mandatory data present and acquirer may choose to send any
optional data.
0210: DE 48, SE 67, SF 1 contains Sanction Screening Score (if applicable)
value between 000-100. A higher score indicates a closer match to names on
the applicable screening lists, while lower scores indicate a less likely match.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 675
 Single Message Authorization
Table 3000821—Acquirer Credit and Debit—MSR Product and Services—MoneySend Payment
Transactions—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
PAYMENT
020 3000821000 TRANSACTION
0 02 1 1 NO CVM 28 01 0 1V16A 00
042
0 1 1 DE 39 = 00 00
DE 4 transaction amount must be 000000006700 to receive appropriate data
in response.
DE 14 (Date, Expiration) is optional.
2
DE 18 = MCC 6537 (MoneySend Intercountry) or MCC 6536 (MoneySend
Intracountry)
DE 48tcc = P (Payment) and SE 77 contains valid MoneySend value of
customer choice.
DE 108 mandatory data present and acquirer may choose to send any
optional data.
0210: DE 48, SE 67, SF 1 contains Sanction Screening Score (if applicable)
value between 000-100. A higher score indicates a closer match to names on
the applicable screening lists, while lower scores indicate a less likely match.
0420: Full reversal, DE 39 = 00 (Approved)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 676
 Single Message Authorization
Table 3000821—Acquirer Credit and Debit—MSR Product and Services—MoneySend Payment
Transactions—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MANUAL
ENTRY
PAYMENT
020 3000821000 TRANSACTION
0 03 1 1 NO CVM 28 01 0 1V16A 00
DE 4 transaction amount must be 000000006702 to receive appropriate data
in response.
DE 14 (Date, Expiration) is optional.
DE 18 = MCC 6537 (MoneySend Intercountry) or MCC 6536 (MoneySend
3 Intracountry)
DE 48tcc = P (Payment) and SE 77 contains valid MoneySend value of
customer choice.
DE 108 mandatory data present and acquirer may choose to send any
optional data.
0210: DE 48, SE 67, SF 1 contains Sanction Screening Score (if applicable)
value between 000-100. A higher score indicates a closer match to names on
the applicable screening lists, while lower scores indicate a less likely match.
0210: DE 102 (cardholder from account number) is present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 677
 Single Message Authorization
Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Financial Transaction Requests and Reversals

Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile

Remote Payments Program—Financial Transaction Requests and Reversals
Test cases 1-8 will test whether an acquirer's Single Message application that is
participating in the optional Mobile Remote Payments Program can send correctly
formatted Financial Transaction Requests containing DE 22, Subfield 1 = 82 (PAN
Auto Entry via Server), DE 48, Subelement 48, Subfield 1 = 1 (Issuer Domain),
Subfield 2, and applicable Subfields 3 and/or 4, and process the resulting Financial
Responses.
Test cases 9-10 will test whether an acquirer Single Message application can send
the optional DE 22, Subfield 1 = 82 for transactions that are not part of the
optional Mobile Remote Payments Program.
Test cases 11-16 will test whether an acquirer Single Message application that is
participating in the optional Mobile Remote Payments Program can send correctly
formatted Financial Transaction Requests containing DE 22, Subfield 1 = 82 (PAN
Auto Entry via Server), DE 48, Subelement 48, Subfield 1 = 2 (Acquirer Domain),
Subfield 2, and applicable Subfields 3 and/or 4, and process the resulting Financial
Responses.

NOTE: Acquirers must submit DE 48, SE 23 (Payment Initiation Channel) if acquired in

specific geographic areas.

Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile

Remote Payments Program—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
SERVER
020 3000824000 PURCHASE
0 01 1 1 ONLINE PIN 00 82 6 V IV16A 00
1
Mobile-initiated purchase via issuer domain with online PIN validation
DE 48, SE 48, SF 1 = 1 (Issuer domain)

SERVER
020 3000824000 PURCHASE NO
0 02 1 1 CVM 00 82 6 IV16A 00
2 Mobile-initiated purchase via issuer domain with Account holder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 678
 Single Message Authorization
Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
SERVER
020 3000824000 PURCHASE
0 03 1 1 ONLINE PIN 00 82 6 V IV16A 00
3 Mobile-initiated mobile phone top-up purchase via issuer domain with PIN
authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

SERVER
020 3000824000 PURCHASE NO
0 04 1 1 CVM 00 82 6 IV16A 00
4 Mobile-initiated mobile phone top-up purchase via issuer domain with
Accountholder Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

SERVER
PAYMENT
020 3000824000 TRANSACTION
0 05 1 1 ONLINE PIN 28 82 6 V IV16A 00
5
Mobile-initiated payment transaction via issuer domain with PIN
authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

SERVER
PAYMENT
020 3000824000 TRANSACTION
0 06 1 1 NO CVM 28 82 6 IV16A 00
6
Mobile-initiated payment transaction via issuer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

SERVER
BALANCE
020 3000824000 INQUIRY
7 0 07 1 1 ONLINE PIN 30 82 6 V IV16A 00
Mobile-initiated balance inquiry via issuer domain with PIN authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 679
 Single Message Authorization
Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
SERVER
BALANCE
020 3000824000 INQUIRY NO
0 08 1 1 CVM 30 82 6 IV16A 00
8
Mobile-initiated balance inquiry via issuer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 1 (Issuer domain)

SERVER
ELECTRONIC
COMMERCE
020 3000824000 PURCHASE NO
9 0 09 1 1 CVM 00 82 6 IV16A 00
042
0 1 1 DE 39 = 00 00
Server electronic commerce purchase and UCAF not supported.
SERVER MOTO
020 3000824000 PURCHASE NO
10 0 10 1 1 CVM 00 82 0 IV16A 00
Server phone order purchase.
SERVER
020 3000824000 PURCHASE NO
0 11 1 1 CVM 00 82 6 IV16A 00
11
Mobile-initiated purchase via acquirer domain with no online validation
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

SERVER
020 3000824000 PURCHASE NO
0 12 1 1 CVM 00 82 6 IV16A 00
12 Mobile-initiated purchase via acquirer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

SERVER
020 3000824000 PURCHASE NO
0 13 1 1 CVM 00 82 6 IV16A 00
13
Mobile-initiated mobile phone top-up purchase via acquirer domain.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 680
 Single Message Authorization
Table 3000824—Acquirer Credit and Debit—MSR Product and Services—Mobile Remote
Payments Program—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
SERVER
020 3000824000 PURCHASE NO
0 14 1 1 CVM 00 82 6 IV16A 00
14 Mobile-initiated mobile phone top-up purchase via acquirer domain with
Accountholder Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

SERVER
PAYMENT
020 3000824000 TRANSACTION
15 0 15 1 1 NO CVM 28 82 6 IV16A 00
Mobile-initiated payment transaction via acquirer domain.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

SERVER
PAYMENT
020 3000824000 TRANSACTION
0 16 1 1 NO CVM 28 82 6 IV16A 00
16
Mobile-initiated payment transaction via issuer domain with Accountholder
Authentication Value (AAV) authentication.
DE 48, SE 48, SF 1 = 2 (Acquirer domain)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 681
 Single Message Authorization
Table 3000826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Financial Transaction Requests

Table 3000826—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Payment Transactions—Financial Transaction Requests
The following test cases will test whether a Single Message online application that
is participating in Merchant Presented QR can process Financial Transaction
Requests and Responses for Merchant Presented QR Payment Transactions with
PANs or tokens.
The following is a listing of the most commonly used DE 18 (Merchant Code) MCC
values:

DE 18 (Merchant Code) MCC values

4111 5541 6300 8249 9222

4121 5542 8211 8299 9311
4131 5960 8220 8398 9399
4900 6051 8241 8661 9402
5411 6211 8244 9211 9405

OIs may test any or all of the above values as well as any other allowed MCC
values.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 682
 Single Message Authorization
Table 3000826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Financial Transaction Requests

Table 3000826—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION
AND CVM OF
020 3000826000 CUSTOMER
0 01 1 1 CHOICE 28 ** * * IV16A 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing non-token PAN
DE 2 (Primary Account Number) contains a PAN
DE 4 (Amount, Transaction) less than or = 2500 USD
1
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
DE 48, SE 37, SF 1 (Payment Facilitator ID) and SF 03 (Sub-Merchant ID) are
present if available and required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 1
(Unique Transaction Reference) is optional; SE 03, SF 2 (Additional Message)
containing up to 65 characters is optional; SE 03, SF 03 (Funding Source) is
mandatory; SE 05, SF 01 (Digital Account Reference Number) is optional; and
SE 06 (QR Data) is optional. All other DE 108 data fields on incoming
message are either dropped or passed through.
DE 110, SE 01 (Merchant ID) is present if available and required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 683
 Single Message Authorization
Table 3000826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION MCS_00
AND CVM OF 1
020 3000826000 CUSTOMER DMC_00
0 02 1 1 CHOICE 28 ** * * 1-005 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing non-token PAN
DE 2 (Primary Account Number) contains a PAN
DE 4 (Amount, Transaction) less than or = 2500 USD
2
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
DE 48, SE 37, SF 01 (Payment Facilitator ID) and SF 03 (Sub-Merchant ID)
are present if available and required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 1
(Unique Transaction Reference) is optional; SE 03, SF 2 (Additional Message)
containing six zeros indicating QR tag 62 was absent is optional; SE 03, SF 03
(Funding Source) is mandatory; SE 05, SF 01 (Digital Account Reference
Number) is optional; and SE 06 (QR Data) is optional. All other DE 108 data
fields on incoming message are either dropped or passed through.
DE 110, SE 01 (Merchant ID) is present if available and required

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 684
 Single Message Authorization
Table 3000826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION MCS_13
AND CVM OF 0
020 3000826000 CUSTOMER DMC_13
0 03 1 N/A CHOICE 28 ** * * 0 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing token PAN
DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
response message from simulator
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
3
DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required
DE 48, SE 37, SF 01 (Payment Facilitator ID) and SF 03 (Sub-Merchant ID)
are present if available and required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 1
(Unique Transaction Reference) is optional; SE 03, SF 2 (Additional Message)
containing up to 65 characters is optional; SE 03, SF 03 (Funding Source) is
mandatory; SE 05, SF 01 (Digital Account Reference Number) is optional; and
SE 06 (QR Data) is optional. All other DE 108 data fields on incoming
message are either dropped or passed through.
DE 110, SE 01 (Merchant ID) is present if available and required
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology) and DE 56 (Payment Account Data)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 685
 Single Message Authorization
Table 3000826—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
PAYMENT
TRANSACTION
AND CVM OF
020 3000826000 CUSTOMER
0 04 1 1 CHOICE 28 ** * * IV16A 00
Merchant Presented QR Payment domestic or cross border (if allowed)
transaction containing token PAN
DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
response message from simulator
DE 18 (Merchant Type) contains any valid value for Merchant Presented QR
Payment
4
DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required
DE 48, SE 37, SF 01 (Payment Facilitator ID) and SF 03 (Sub-Merchant ID)
are present if available and required
DE 48, SE 77 = C67 (Merchant Presented QR)
DE 108, SE 02, SF 11 (Sender Account Number) is mandatory; SE 03, SF 1
(Unique Transaction Reference) is optional; SE 03, SF 2 (Additional Message)
containing six zeros indicating QR tag 62 was absent is optional; SE 03, SF 03
(Funding Source) is mandatory; SE 05, SF 01 (Digital Account Reference
Number) is optional; and SE 06 (QR Data) is optional. All other DE 108 data
fields on incoming message are either dropped or passed through.
DE 110, SE 01 (Merchant ID) is present if available and required
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology) and DE 56 (Payment Account Data)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 686
 Single Message Authorization
Table 3000827—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Refund Payment Transactions—Financial Transaction Requests

Table 3000827—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Refund Payment Transactions—Financial Transaction Requests
The following test cases will test whether a Single Message online application that
is participating in Merchant Presented QR can process Financial Transaction
Requests and Responses for Merchant Presented QR Refund Payment
Transactions with PANs or tokens.
The following is a listing of the most commonly used DE 18 (Merchant Code) MCC
values:

DE 18 (Merchant Code) MCC values

4111 5541 6300 8249 9222

4121 5542 8211 8299 9311
4131 5960 8220 8398 9399
4900 6051 8241 8661 9402
5411 6211 8244 9211 9405

OIs may test any or all of the above values as well as any other allowed MCC
values.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 687
 Single Message Authorization
Table 3000827—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Refund Payment Transactions—Financial Transaction Requests

Table 3000827—Acquirer Credit and Debit—MSR Product and Services—Merchant

Presented QR Refund Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
REFUND
PAYMENT
TRANSACTION
AND CVM OF
020 3000827000 CUSTOMER
0 01 1 1 CHOICE 28 ** * * IV16A 00
Merchant Presented QR service refund payment transaction for a consumer's
PAN was successfully processed
1 DE 2 contains a valid Mastercard card number
DE 4 (Amount, Transaction) less than or = 2500 USD
DE 48, SE 77 = C68 (Merchant Presented QR Refund) and DE 18 (Merchant
Code) must not contain any prohibited value
DE 48, SE 37, SF 01 (Payment Facilitator ID) and SF 03 (Sub-Merchant ID)
are present if available and required
DE 108, SE 02, SF 11 (Sender Account Number); SE 03, SF 1 (Unique
Reference Number); SE 03, SF 03 (Funding Source); and SE 05, SF 01 (Digital
Account Reference Number) are optional. All other DE 108 data fields on
incoming message are dropped.
DE 110, SE 01 (Merchant ID) is present if available and required.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 688
 Single Message Authorization
Table 3000827—Acquirer Credit and Debit—MSR Product and Services—Merchant Presented QR
Refund Payment Transactions—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
CONTACTLESS
OR E-
COMMERCE
REFUND
PAYMENT
TRANSACTION MCS_13
AND CVM OF 0
020 3000827000 CUSTOMER DMC_13
0 02 1 1 CHOICE 28 ** * * 0 00
Merchant Presented QR service refund payment transaction for a consumer's
token was successfully processed
DE 2 contains Digital Account Reference Number from DE 108, SE 05, SF 01
of Merchant Presented QR Payment Transaction
DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate data in
2 response message from simulator
DE 48, SE 77 = C68 (Merchant Presented QR Refund) and DE 18 (Merchant
Code) must not contain any prohibited value
DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier); and
DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
DE 48, SE 37, SF 1 (Payment Facilitator ID) and SF 3 (Sub-Merchant ID) are
present
DE 108, SE 02, SF 11 (Sender Account Number); SE 03, SF 1 (Unique
Reference Number); SE 03, SF 03 (Funding Source); and SE 05, SF 01 (Digital
Account Reference Number) are optional. All other DE 108 data fields on
incoming message are dropped.
DE 110, SE 01 (Merchant ID) is present if available and required.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID), and SF
8 (Storage Technology); and DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 689
 Single Message Authorization
Table 3000829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay—Financial
Transaction Requests

Table 3000829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay

—Financial Transaction Requests
The following test cases will test whether an acquirer Single Message online
application is able to send properly formatted Financial Transaction Requests for
Click to Pay e-commerce transactions; and process the resulting Financial
Transaction Responses.

Table 3000829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay

—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000829000 PURCHASE NO
0 01 1 1 CVM 00 81 6 1V16A 00
1 Click to Pay transaction does not go thru 3DS protocol; merchant does not
participate in Identity Check.
DE 48, SE 42 = 220; DE 48, SE 43 is not present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

ELECTRONIC
COMMERCE
020 3000829000 PURCHASE NO
0 02 1 1 CVM 00 81 6 1V16A 00
Click to Pay transaction goes thru 3DS protocol but authentication cannot
2 occur because 1) Issuer does not participate, 2) Issuer's cardholder does not
participate, or 3) Issuer service was unavailable. SE 43 contains an Attempts
AAV.
DE 48, SE 42 = 221; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

ELECTRONIC
COMMERCE
020 3000829000 PURCHASE NO
0 03 1 1 CVM 00 81 6 1V16A 00
3 Click to Pay transaction goes thru 3DS protocol and gets authenticated by the
Issuer's ACS Provider. SE 43 contains a Fully Authenticated AAV.
DE 48, SE 42 = 222; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 690
 Single Message Authorization
Table 3000829—Acquirer Credit and Debit—MSR Product and Services—Click to Pay—Financial
Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000829000 PURCHASE NO
0 04 1 1 CVM 00 81 6 1V16A 00

4 Click to Pay transaction is supported by the merchant and assigned a Static

AAV value within SE 43.
DE 48, SE 42 = 223; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required; and DE 48, SE 32 Mastercard
Assigned ID is present.

ELECTRONIC
COMMERCE
020 3000829000 PURCHASE NO
0 05 1 1 CVM 00 81 6 1V16A 00

5 Click to Pay transaction does goes thru 3DS protocol; authenticated

transaction using Issuer's Risk Based Decisioning. SE 43 contains Fully
Authenticated AAV from Issuer's ACS Provider.
DE 48, SE 42 = 225; DE 48, SE 43 is present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

ELECTRONIC
COMMERCE
020 3000829000 PURCHASE NO
0 06 1 1 CVM 00 81 6 1V16A 00

6 Click to Pay transaction does not go thru 3DS protocol; merchant does not
participate in Identity Check but has their own Risk Based Decisioning
enabled.
DE 48, SE 42 = 226; DE 48, SE 43 is not present; DE 48, SE 26, SF 1 wallet
identifier is present if provided and required.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 691
 Single Message Authorization
Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Financial Transaction Requests

Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Tokens in DSRP, Identity Check, and Click to Pay—Financial Transaction
Requests
The following test cases will test whether an acquirer's Single Message online
application can submit properly formatted MDES token transactions for Digital
Secure Remote Payment (DSRP), Identity Check, and Click to Pay in Financial
Transaction Requests and process the resulting Financial Transaction Responses.

Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Tokens in DSRP, Identity Check, and Click to Pay—Financial Transaction
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000833000 PURCHASE NO
0 01 1 N/A CVM 00 81 6 MSI_130 00
MDES tokenized transaction with DSRP cryptogram for SLI 246
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.

1 0200: DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based

Decisioning) and DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
0200: DE 48, SE 92 (CVC 2) optionally present
0200: DSRP cryptogram must be provided in DE 104, SE 001 (Digital Payment
Cryptogram) and, if applicable, SE 003 (Remote Commerce Acceptor
Identifier).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor ID).
0210: DE 48, SE 87 = M (Valid CVC 2) if SE 92 (CVC 2) is present in 0200
0210: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 692
 Single Message Authorization
Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000833000 PURCHASE NO
0 02 1 N/A CVM 00 81 6 MSI_130 00
MDES tokenized transaction with DSRP cryptogram for SLI 242.
0200: DE 4 = 000000035633 to obtain appropriate data in response message
from simulator.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.

2 0200: DE 48, SE 42 = 242 (Tokenized Payment: Fully Authenticated) and DE

61, SF 3 = 2 (Off premises) or 4 (On premises).
0200: DE 48, SE 92 (CVC 2) optionally present
0200: DSRP cryptogram must be provided in DE 104, SE 001 (Digital Payment
Cryptogram) and, if applicable, SE 003 (Remote Commerce Acceptor
Identifier).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor ID).
0210: DE 48, SE 87 = M (Valid CVC 2) if SE 92 (CVC 2) is present in 0200
0210: DE 56 (Payment Account Data).

CREDENTIAL
ON FILE
020 3000833000 PURCHASE NO
0 03 1 N/A CVM 00 10 0 MSI_130 00
MDES tokenized transaction for DSRP with UCAF (retains liability of original
transaction) subsequent recurring payment transaction.
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
3 0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment); DE 48, SE 43 not required; DE 61, SF 3 = 2 (Off premises), and DE
61, SF 4 = 4 (Recurring payments).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor ID).
0210: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 693
 Single Message Authorization
Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000833000 PURCHASE NO
0 04 1 N/A CVM 00 10 6 MSI_130 00
MDES tokenized transaction for DSRP with UCAF (retains liability of original
transaction) subsequent partial shipment transaction.
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
4 0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment); DE 48, SE 43 not required; and DE 61, SF 3 = 2 (Off premises) and
SF 4 = 5 (Electronic order).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor ID).
0210: DE 56 (Payment Account Data).

ELECTRONIC
COMMERCE
020 3000833000 PURCHASE NO
0 05 1 N/A CVM 00 81 6 MSI_130 00
MDES tokenized transaction with DSRP cryptogram and Identity Check AAV
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
5 Requestor ID) present if available and required.
0200: DE 48, SE 42 = 212 (SecureCode - Fully Authenticated); DE 48, SE 43
contains AAV cryptogram; and DE 61, SF 3 = 2 (Off premises).
0200: DE 104, SE 001 (Digital Payment Cryptogram) contains DSRP
cryptogram and, if applicable, SE 003 (Remote Commerce Acceptor
Identifier).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor ID).
0210: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 694
 Single Message Authorization
Table 3000833—Acquirer Credit and Debit—MSR Product and Services—MDES Device Tokens in
DSRP, Identity Check, and Click to Pay—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000833000 PURCHASE NO
0 06 1 N/A CVM 00 81 6 MSI_130 00
Click to Pay with UCAF (issuer liability) MDES device token original
transaction.
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
6
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 222 (Click to Pay - Fully Authenticated); DE 48, SE 43
contains AAV cryptogram; and DE 61, SF 3 = 2 (Off premises).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor ID).
0210: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 695
 Single Message Authorization
Table 3000835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Financial Transaction Requests

Table 3000835—Acquirer Credit and Debit—MSR Product and Services—MDES

(Merchant Tokenization Program)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can properly submit Merchant Tokenization Program Digital Secure
Remote Payment (DSRP) cloud-based payments token transactions in Financial
Transaction Requests and process the resulting Financial Transaction Responses
containing PAN data in DE 48, SE 33 and Payment Account Reference (PAR) in DE
56.

Table 3000835—Acquirer Credit and Debit—MSR Product and Services—MDES

(Merchant Tokenization Program)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000835000 PURCHASE NO
0 01 1 N/A CVM 00 10 0 MSI_130 00
DSRP (merchant liability) MDES token transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
0200: DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based
1
Decisioning) and no SE 43 (UCAF).
DE 61, SF 3 = 2 (Off premises) or 4 (On premises).
DSRP cryptogram must be provided in DE 104, SE 001 (Digital Payment
Cryptogram).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 696
 Single Message Authorization
Table 3000835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000835000 PURCHASE NO
0 02 1 N/A CVM 00 10 0 MSI_130 00
DSRP (retains liability of original transaction) MDES token subsequent
recurring payment transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.

2 DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).

DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and no SE 43 (UCAF)
DE 61, SF 3 = 3 (No terminal used) and DE 61 SF 4 = 4 (Recurring Payments).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

CREDENTIAL
ON FILE
020 3000835000 PURCHASE NO
0 03 1 N/A CVM 00 10 6 MSI_130 00
DSRP (retains liability of original transaction) MDES token partial shipment
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program).
3
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and no SE 43 (UCAF)
DE 61, SF 3 = 3 (No terminal used) and DE 61, SF 4 = 1 (Cardholder not
present).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 697
 Single Message Authorization
Table 3000835—Acquirer Credit and Debit—MSR Product and Services—MDES (Merchant
Tokenization Program)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000835000 PURCHASE NO
0 04 1 N/A CVM 00 10 0 MSI_130 00
DSRP with UCAF (merchant liability) MDES token original transaction
conducted upon cardholder giving merchant consent to store their credentials
on file.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator.
4 DE 48, SE 26, SF 1 (Wallet Identifier) = 327 (MDES for Merchants Program) or
a unique WID assigned to the commerce platform.
DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based Decisioning);
DE 48, SE 43 is present; and DE 61, SF 3 = 2 (Off premises) or 4 (On
premises).
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 698
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Token Transactions Without UCAF Cryptogram—Financial Transaction
Requests
The following test cases will test whether an acquirer's Single Message online
application that has not yet been upgraded to support Digital Secure Remote
Payments (DSRP) or a SecureCode merchant has chosen not to undertake
SecureCode on the transaction can send correctly formatted Financial Transaction
Requests containing MDES device token without a UCAF cryptogram, and process
the resulting Financial Transaction Responses containing PAN mapping data.
Test cases 1-5 are for a SecureCode merchant, test cases 6-10 are for a Click to
Pay merchant, test cases 11-12 are for Digital Secure Remote Payment SLI values.

Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES

Device Token Transactions Without UCAF Cryptogram—Financial Transaction
Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000836000 PURCHASE NO
0 01 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) and DE
48, SF 92 (CVC 2) from SecureCode merchant who has chosen not to
undertake SecureCode on this transaction.
0200: DE 4 = 000000035633 to obtain appropriate data in response message
from simulator.
1
0200: DE 14 present and DE 48, SF 92 present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 210 and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 699
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000836000 PURCHASE NO
0 02 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) from
SecureCode merchant who has chosen not to undertake SecureCode on this
transaction.
0200: DE 4 = 000000005633 to obtain appropriate data in response message
2 from simulator.
0200: DE 14 is present and DE 48, SF 92 not present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 210 and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 700
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000836000 PURCHASE NO
0 03 1 N/A CVM 00 10 0 MSI_130 00
MDES token electronic commerce subsequent recurring payment or partial
shipment transaction including the merchant provided DE 14 (Date,
Expiration) and DE 48, SF 92 (CVC 2) from the original transaction from a
SecureCode merchant who chose not to undertake SecureCode on the original
transaction. Acquirer may submit as recurring payment or partial shipment
transaction, or may submit separate transactions for both scenarios.
0200: DE 4 = 000000035633 to obtain appropriate data in response message
3 from simulator.
0200: DE 14 present and DE 48, SF 92 present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 217 and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 701
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
PURCHASE OR
020 3000836000 REFUND NO
0 04 1 N/A CVM ** 81 6 MSI_130 00
MDES token electronic commerce subsequent incremental authorization or
refund transaction including the merchant provided DE 14 (Date, Expiration)
from the original transaction from a SecureCode merchant who chose not to
undertake SecureCode on the original transaction. Acquirer may submit as
incremental authorization or refund transaction or may submit separate
transactions for both scenarios.
4 0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
0200: DE 14 present and DE 48, SF 92 not present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 210 and SE 43 not present
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 702
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
PAYMENT
020 3000836000 TRANSACTION
0 05 1 N/A NO CVM 28 81 6 MSI_130 00
MDES token Payment Transaction without SecureCode cryptographic data.
0200: DE 2 and DE 14 contain token data
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required
5
0200: DE 48, SE 42 = 210 (UCAF data collection is not supported by the
merchant or a SecureCode merchant has chosen not to undertake
SecureCode on this transaction) and DE 48, SE 43 not present
0200: DE 48tcc = P (Payment) and SE 77 contains Transaction Type Identifier
of customer choice
0200: Request message contains any other applicable mandatory/optional
data and proper values
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 703
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000836000 PURCHASE NO
0 06 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) and DE
48, SF 92 (CVC 2) from Click to Pay merchant who does not support DSRP
with full UCAF.
0200: DE 4 = 000000035633 to obtain appropriate data in response message
from simulator.
6
0200: DE 14 present and DE 48, SF 92 present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 220 and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

ELECTRONIC
COMMERCE
020 3000836000 PURCHASE NO
0 07 1 N/A CVM 00 81 6 MSI_130 00
MDES token electronic commerce original transaction without UCAF
cryptogram but including merchant provided DE 14 (Date, Expiration) from
Click to Pay merchant who does not support DSRP with full UCAF.
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
7
0200: DE 14 present and DE 48, SF 92 not present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 220 and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 704
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000836000 PURCHASE NO
0 08 1 N/A CVM 00 10 0 MSI_130 00
MDES token electronic commerce subsequent recurring payment or partial
shipment transaction including the merchant provided DE 14 (Date,
Expiration) and DE 48, SF 92 (CVC 2) from the original transaction from a
Click to Pay merchant who does not support DSRP with full UCAF. Acquirer
may submit as recurring payment or partial shipment transaction, or may
submit separate transactions for both scenarios.
0200: DE 4 = 000000035633 to obtain appropriate data in response message
8 from simulator.
0200: DE 14 present and DE 48, SF 92 present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 227 and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 48, SE 87 = M (Valid CVC 2) and DE 56 (Payment Account Data)
present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 705
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
PURCHASE OR
020 3000836000 REFUND NO
0 09 1 N/A CVM ** 81 6 MSI_130 00
MDES token electronic commerce subsequent incremental authorization or
refund transaction including the merchant provided DE 14 (Date, Expiration)
from the original transaction from a Click to Pay merchant who does not
support DSRP with full UCAF. Acquirer may submit as incremental
authorization or refund transaction or may submit separate transactions for
both scenarios.
9 0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator.
0200: DE 14 present and DE 48, SF 92 not present.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 220 and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 706
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
PAYMENT
020 3000836000 TRANSACTION
0 10 1 N/A NO CVM 28 81 6 MSI_130 00
MDES token Payment Transaction without Click to Pay cryptographic data.
0200: DE 2 and DE 14 contain token data
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
10 Requestor ID) present if available and required
0200: DE 48, SE 42 = 220 (Click to Pay - UCAF data collection is not supported
by the merchant) and DE 48, SE 43 not present
0200: DE 48tcc = P (Payment) and SE 77 contains Transaction Type Identifier
of customer choice
0200: Request message contains any other applicable mandatory/optional
data and proper values
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data)

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 707
 Single Message Authorization
Table 3000836—Acquirer Credit and Debit—MSR Product and Services—MDES Device Token
Transactions Without UCAF Cryptogram—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000836000 PURCHASE NO
0 11 1 N/A CVM 00 10 0 MSI_130 00
MDES token electronic commerce subsequent recurring payment or partial
shipment transaction from a Digital Secure Remote Payment. Acquirer may
submit as recurring payment or partial shipment transaction, or may submit
separate transactions for both scenarios.
0200: DE 4 = 000000005633 to obtain appropriate data in response message
11 from simulator.
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
Requestor ID) present if available and required.
0200: DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and SE 43 not present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 708
 Single Message Authorization
Table 3000838—Acquirer Credit and Debit—MSR Product and Services—MDES Static Token—
Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
PAYMENT
020 3000836000 PURCHASE NO
0 12 1 N/A CVM 28 81 6 MSI_130 00
MDES token Payment Transaction without DSRP cryptographic data.
0200: DE 2 and DE 14 contain token data
0200: DE 4 = 000000005633 to obtain appropriate data in response message
from simulator
0200: DE 48, SE 26, SF 1 (Wallet Identifier) and DE 48, SE 33, SF 6 (Token
12 Requestor ID) present if available and required
0200: DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment or recurring
payment) and DE 48, SE 43 not present
0200: DE 48tcc = P (Payment) and SE 77 contains Transaction Type Identifier
of customer choice
0200: Request message contains any other applicable mandatory/optional
data and proper values
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data)

Table 3000838—Acquirer Credit and Debit—MSR Product and Services—MDES

Static Token—Financial Transaction Requests
The following test case will test whether an acquirer's Single Message online
application can submit MDES static token in correctly formatted remote
commerce Financial Transaction transactions and receive resulting Financial
Transaction responses.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 709
 Single Message Authorization
Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)—Financial Transaction Requests

Table 3000838—Acquirer Credit and Debit—MSR Product and Services—MDES

Static Token—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000838000 PURCHASE NO
0 01 1 0 CVM 00 81 6 MSI_130 00
MDES static token in remote commerce transactions
DE 4 = 000000035633 to obtain appropriate data in response message from
simulator
DE 48, SE 23, SF 1 (Device Type) and SE 26, SF 1 (Wallet Identifier) present if
available and required
1 DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 210 (UCAF not supported)
DE 48, SE 92 (CVC 2) optionally present
DE 61, SF 3 = 2 (Off premises) or 4 (On premises)
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0210: DE 48, SE 87 = M (Valid CVC 2) if SE 92 (CVC 2) was present in request
0210: DE 56 (Payment Account Data)

Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES

(Remote Commerce Transactions)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can submit MDES remote commerce transactions within correctly
formatted Financial Transaction Request messages and process the resulting
Financial Transaction Responses.

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 Single Message Authorization
Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)—Financial Transaction Requests

Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES

(Remote Commerce Transactions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS
TRANSACTION
OF CUSTOMER
020 3000839000 CHOICE NO
0 01 1 N/A CVM 00 ** 6 MSI_130 00
MDES performs PAN Mapping on MDES remote commerce original token
transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 22, SF 1 (POS Terminal PAN Entry Mode) = 10 (Credential on File), 81
(Electronic Commerce), or 82 (Server) values of customer choice
1 DE 48, SE 23, SF 1 (Device Type); SE 26 (Wallet Identifier) = 327 (Merchant
Tokenization Program); and SE 32 (Mastercard Assigned ID) values of
customer choice if applicable
DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 246 (Tokenized Payment: Merchant Risk Based Decisioning)
and no SE 43 (UCAF)
DE 61, SF 3 = 2 (Off premises) or 4 (On premises)
DE 104, SE 001 (Digital Payment Cryptogram) is required
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 711
 Single Message Authorization
Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000839000 PURCHASE NO
0 02 1 N/A CVM 00 10 6 MSI_130 00
MDES performs PAN Mapping on MDES remote commerce subsequent
recurring payment token transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 22, SF 1 (POS Terminal PAN Entry Mode) = 10 (Credential on File)
DE 48, SE 23, SF 1 (Device Type); SE 26 (Wallet Identifier) = 327 (Merchant
2 Tokenization Program); and SE 32 (Mastercard Assigned ID) values of
customer choice if applicable
DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 247 (Tokenized Payment: Recurrent shipment) and no SE 43
(UCAF)
DE 61, SF 3 = 3 (No terminal used) and SF 4 = 4 (Recurring Payments)
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 712
 Single Message Authorization
Table 3000839—Acquirer Credit and Debit—MSR Product and Services—MDES (Remote
Commerce Transactions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
POS
PURCHASE
BUSINESS
TRANSACTION
OF CUSTOMER
020 3000839000 CHOICE NO
0 03 1 N/A CVM 00 ** 6 MSI_130 00
MDES performs PAN Mapping on MDES remote commerce subsequent
partial shipment token transaction.
DE 4 = 000000005633 to obtain appropriate data in response message from
simulator
DE 22, SF 1 (POS Terminal PAN Entry Mode) = 10 (Credential on File), 81
(Electronic Commerce), or 82 (Server) values of customer choice
3
DE 48, SE 23, SF 1 (Device Type); SE 26 (Wallet Identifier) = 327 (Merchant
Tokenization Program); and SE 32 (Mastercard Assigned ID) values of
customer choice if applicable
DE 48, SE 33, SF 6 (Token Requestor ID) is not required
DE 48, SE 42 = 247 (Tokenized Payment: Partial shipment) and no SE 43
(UCAF)
DE 61, SF 3 = 2 (Off premises) and SF 4 = 5 (Electronic Commerce)
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0210: DE 56 (Payment Account Data) is provided by Mastercard as BIN
Controller

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 713
 Single Message Authorization
Table 3000860—Acquirer Credit and Debit—MSR Product and Services—Mastercard Identity
Check—Financial Transaction Requests

Table 3000860—Acquirer Credit and Debit—MSR Product and Services—Mastercard

Identity Check—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests that
contain Identity Check authentication data and process the resulting Financial
Transaction Responses.

NOTE: Acquirers must submit DE 48, SE 66 (Authentication Data) for Mastercard Identity
Check transactions with SE 42 (Security Level Indicator) values of 211, 212, or 215.

Table 3000860—Acquirer Credit and Debit—MSR Product and Services—Mastercard

Identity Check—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
1 0 01 1 1 CVM 00 81 6 1V16A 00
UCAF data collection is not supported by the merchant.
DE 48, SE 42 = 210 (UCAF data collection is not supported by the merchant).

ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
2 0 02 1 1 CVM 00 81 6 1V16A 00
SPA1 merchant attempts processing DE 48, SE 42 = 211 (Merchant attempts
AAV); SE 43 with AAV control byte 'h'; and SE 66, SF 01 = 1 (3DS 1.0)

ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
0 03 1 1 CVM 00 81 6 1V16A 00
3 SPA1 issuer authenticated (Full UCAF) transaction
DE 48, SE 42 (Electronic Commerce Indicators) = 212 (Issuer authenticated);
SE 43 (UCAF) is present; and SE 66 (Authentication Data), SF 1 = 1 (3DS 1.0)
is present

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 714
 Single Message Authorization
Table 3000860—Acquirer Credit and Debit—MSR Product and Services—Mastercard Identity
Check—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
0 11 1 1 CVM 00 81 6 1V16A 00
4
SPA2 merchant attempts processing DE 48, SE 42 = 211 (Merchant attempts
AAV); SE 43 with AAV control bytes 'kE', 'kL', or 'kM' of customer choice; and
SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
0 12 1 1 CVM 00 81 6 1V16A 00
5
SPA2 issuer authenticated DE 48, SE 42 = 212; SE 43 with AAV control bytes
'kA', 'kB', 'kC', 'kD', 'kG', 'kH', 'kJ', 'kK' 'kQ', 'kR', 'kS', or 'kT' of customer
choice; and SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server
Transaction ID)

ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
0 13 1 1 CVM 00 81 6 1V16A 00
6
SPA2 wherein merchant has chosen to share data within the authentication;
DE 48, SE 42 = 214 (No UCAF) and SE 43 not present
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
0 15 1 1 CVM 00 81 6 1V16A 00
7
SPA2 merchant risk based decisioning DE 48, SE 42 = 216 and SE 43 with AAV
control byte 'kN'
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

ELECTRONIC
COMMERCE
020 3000860001 PURCHASE NO
0 16 1 1 CVM 00 81 6 1V16A 00
8
SPA2 partial shipment DE 48, SE 42 = 217 and SE 43 with AAV control byte
'kO' or 'kP' of customer choice
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 715
 Single Message Authorization
Table 3000860—Acquirer Credit and Debit—MSR Product and Services—Mastercard Identity
Check—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
CREDENTIAL
ON FILE
020 3000860001 PURCHASE NO
0 17 1 1 CVM 00 10 0 1V16A 00
9 SPA2 recurring payment DE 48, SE 42 = 217 and SE 43 with AAV control byte
'kO' or 'kP' of customer choice
DE 48, SE 66, SF 01 = 2 (3DS 2.0) and SF 02 (Directory Server Transaction ID)
DE 61, SF 4 = 4 (Recurring payment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 716
 Single Message Authorization
Table 3000901—Acquirer Credit and Debit—MSR Product and Services—Merchant Fraud Scoring
(Brazil)—Financial Transaction Requests

Table 3000901—Acquirer Credit and Debit—MSR Product and Services—Merchant

Fraud Scoring (Brazil)—Financial Transaction Requests
The following test case will test whether an acquirer Single Message online
application is able to send properly formatted Financial Transaction Requests
containing the merchant fraud score in DE 112, subelement 028 for card-not-
present transactions acquired in the country of Brazil; and process the resulting
Financial Transaction Responses.

Table 3000901—Acquirer Credit and Debit—MSR Product and Services—Merchant

Fraud Scoring (Brazil)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ELECTRONIC
COMMERCE
020 3000901000 PURCHASE NO
1 0 01 1 1 CVM 00 81 6 1V16A 00
Brazil acquirer provides merchant fraud score in DE 112, SE 028 containing 4
positions.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 717
 Single Message Authorization
Table 3000925—Acquirer Credit and Debit—MSR Product and Services—High-Risk Purchase
Identifier—Financial Transaction Rerquests

Table 3000925—Acquirer Credit and Debit—MSR Product and Services—High-Risk

Purchase Identifier—Financial Transaction Rerquests
The following test cases will test whether an acquirer's Single Message Financial
application can submit properly identified cryptocurrency and high-risk securities
transactions in correctly formatted Financial Transaction messages and process
the resulting Financial Transaction Responses.

Table 3000925—Acquirer Credit and Debit—MSR Product and Services—High-Risk

Purchase Identifier—Financial Transaction Rerquests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MSR
020 3000925000 PURCHASE
0 01 1 1 ONLINE PIN 00 90 0 V 1V16A 00
1 Purchase of cryptocurrency
DE 18 (Merchant Type) = 6051 (Quasi Cash— Merchant)
DE 48, SE 77 (Transaction Type Identifier) = P70 (Cryptocurrency)

MSR
020 3000925000 PURCHASE
0 02 1 1 ONLINE PIN 00 90 0 V 1V16A 00
2 Purchase of high-risk securities
DE 18 (Merchant Type) = 6211 (Securities—Brokers/Dealers)
DE 48, SE 77 (Transaction Type Identifier) = P71 (High-risk Securities)

Test Cases—ICC-based Operations

The test cases listed in this section are applicable when upgrading to integrated
circuit card (ICC)-based operations. In this section, both contact ICC-based
operations and ICC-based PIN Management operations are addressed. Select the

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 718
 Single Message Authorization
Base Testing

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

NOTE:
The transaction amounts customers use must be above the floor limit to cause the
transaction to go online, as required in the test cases (transaction amounts below the floor
limit will be processed offline).

• Base Testing
• Authorization M/Chip-specific General Acceptance Criteria
• Programs and Services Testing

Base Testing
The test cases in the Single Message Financial and Exception integrated circuit
card (ICC) section are described below.

NOTE:
Acquirers may optionally submit ATM transactions with online PIN as CAT level 1 or CAT
level 0.

• Table 3050001—Acquirer Credit and Debit—ICC Base—All Business Transactions

(ATM)—Financial Transaction Requests
• Table 3050002—Acquirer Credit and Debit—ICC Base—All Business Transactions
(POS)—Financial Transaction Requests
• Table 3050011—Acquirer Credit and Debit—ICC Base—Technical Conditions—
Financial Transaction Requests

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 719
 Single Message Authorization
Table 3050001—Acquirer Credit and Debit—ICC Base—All Business Transactions (ATM)—
Financial Transaction Requests

Table 3050001—Acquirer Credit and Debit—ICC Base—All Business Transactions

(ATM)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Financial Requests, and process the resulting
Financial Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 3. For information about obtaining Subset 3, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 3050001—Acquirer Credit and Debit—ICC Base—All Business Transactions

(ATM)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
ICC ATM 4
020 3050001000 WITHDRAWAL MSI_104
1 0 01 1 N/A ONLINE PIN 01 05 1 V CIR_104 00
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.

ICC ATM MCC_10

BALANCE 4
020 3050001000 INQUIRY MSI_104
2 0 02 1 N/A ONLINE PIN 30 05 1 V CIR_104 00
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.

ICC ATM MCC_10

ACCOUNT 4
020 3050001000 TRANSFER MSI_104
3 0 03 1 N/A ONLINE PIN 40 05 1 V CIR_104 00
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 720
 Single Message Authorization
Table 3050002—Acquirer Credit and Debit—ICC Base—All Business Transactions (POS)—
Financial Transaction Requests

Table 3050002—Acquirer Credit and Debit—ICC Base—All Business Transactions

(POS)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Financial Requests for various business transactions
and process the resulting Financial Transaction Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 3. For information about obtaining Subset 3, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 3050002—Acquirer Credit and Debit—ICC Base—All Business Transactions

(POS)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
020 3050002000 PURCHASE
1 0 01 1 N/A ONLINE PIN 00 05 0 V MSI_104 00
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.
ICC
020 3050002000 PURCHASE
2 0 02 1 N/A OFFLINE PIN 00 05 0 MSI_101 00
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.
ICC
020 3050002000 PURCHASE
0 03 1 N/A SIGNATURE 00 05 0 MSI_103 00

3 Please see the Maestro Rules manual under participating countries to determine
if this test case should be executed in your customer's country.
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.

ICC CAT LEVEL

020 3050002000 1 PURCHASE
4 0 04 1 N/A ONLINE PIN 00 05 1 V MSI_104 00
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 721
 Single Message Authorization
Table 3050002—Acquirer Credit and Debit—ICC Base—All Business Transactions (POS)—
Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC CAT LEVEL
020 3050002000 1 PURCHASE
5 0 05 1 N/A OFFLINE PIN 00 05 1 MSI_101 00
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.
ICC
PURCHASE
WITH CASH
020 3050002000 BACK ONLINE
0 06 1 N/A PIN 09 05 0 V MSI_104 00
6
9F03 (Amount Other) must be present in DE 55 containing the cash back
amount.
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.

ICC
PURCHASE
WITH CASH
020 3050002000 BACK OFFLINE
0 07 1 N/A PIN 09 05 0 MSI_101 00

7 Please see the Maestro Rules manual under participating countries to determine
if this test case should be executed in your customer's country.
9F03 (Amount Other) must be present in DE 55 containing the cash back
amount.
Financial transaction request meets the authorization Chip-specific general
acceptance criteria.

ICC CAT LEVEL

020 3050002000 9 PURCHASE
0 08 1 N/A OFFLINE PIN 00 05 9 MSI_101 00
mPOS device Phone/Tablet +Dongle with PIN Pad
DE 22, SF 2 (POS Terminal PIN Entry Mode) = 1 (Terminal has PIN entry
capability)
8
DE 48, SE 21 (Acceptance Data), SF 1 (mPOS Acceptance Device Type) = 0
(Dedicated mPOS Terminal with PCI compliant dongle [with or without key
pad])
DE 61, SF 10 = 9 (mPOS Acceptance Device)
Financial transaction request meets the authorization Chip-specific general
acceptance criteria

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 722
 Single Message Authorization
Table 3050011—Acquirer Credit and Debit—ICC Base—Technical Conditions—Financial
Transaction Requests

Table 3050011—Acquirer Credit and Debit—ICC Base—Technical Conditions—

Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can receive Financial Requests, process them, and return correctly formatted
Financial Responses under the less common, but valid, general conditions
surrounding the Single Message System.
Data Element fields marked with an asterisk (*) should be the correct ones for the
transaction that the customer chooses to run for the test.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 3. For information about obtaining Subset 3, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 3050011—Acquirer Credit and Debit—ICC Base—Technical Conditions—

Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_11
ICC BUSINESS 1-112
TRANSACTION MSI_111-
AND CVM OF 112
020 3050011000 CUSTOMER CIR_111-
0 01 1 N/A CHOICE ** 05 * * 112 00

1 Financial transaction request meets the authorization Chip-specific general

acceptance criteria.
DE 23 (Card Sequence Number) must be "001" (card 111) and "002" (card
112).

NOTE: Acquirers should execute this test case twice; once using card MSI_111
and again using card MSI_112.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 723
 Single Message Authorization
Table 3050011—Acquirer Credit and Debit—ICC Base—Technical Conditions—Financial
Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC BUSINESS
TRANSACTION MCC_11
AND CVM OF 5
020 3050011000 CUSTOMER MSI_115
0 02 1 N/A CHOICE ** 05 * * CIR_115 00
Financial transaction request meets the authorization Chip-specific general
2 acceptance criteria.
Acquirer must support a response message with no DE 55 (ICC System
Related Data) after full grade request.
Transaction must be approved.
0210: DE 48, SE 74 = 50U (Issuer chip validation - could not be validated due
to technical error)

ICC FALLBACK
TO MAGNETIC
STRIPE
BUSINESS
TRANSACTION MCC_11
AND CVM OF 8
020 3050011000 CUSTOMER MSI_118
0 06 1 N/A CHOICE ** 80 * * CIR_118 00
3 Fallback to magnetic stripe on hybrid cards (DE 022 = 80X). Financial
transaction contains correctly formatted magnetic stripe data.
DE 61, SF 11 (POS Card Data Terminal Input Capability indicator) must be 5
(EMV Specification (Compatible Chip reader) and magnetic stripe reader) or
8 (EMV specification (compatible chip reader), magnetic stripe reader and key
entry).
This test must be executed by Acquirers in locations where Chip Fallback to
Magnetic Stripe is supported.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 724
 Single Message Authorization
Table 3050011—Acquirer Credit and Debit—ICC Base—Technical Conditions—Financial
Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC BARCODE
PURCHASE OR MCS_13
REFUND OF 0
CUSTOMER DMC_13
020 3050011000 CHOICE AND 0
0 04 1 N/A CDCVM ** 03 0 MSI_130 00
Tokenized Mastercard consumer-presented QR transaction
0200: DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate
data in response message from simulator.
0200: DE 22, SF 1 (POS Terminal PAN Entry Mode) = 03 (PAN auto-entry via
barcode reader) .
4
0200: DE 48, SE 21 (Acceptance Data), SF 2 (Additional Terminal Capability
Indicator) = 11 (M/Chip QR and Barcode both supported).
0200: DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier);
and DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
0200: DE 55 (ICC System-Related Data), DE 23 (Card Sequence Number), and
DE 35 (Track 2 Data) are present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 725
 Single Message Authorization
Authorization M/Chip-specific General Acceptance Criteria

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC BARCODE
PURCHASE OR MCS_13
REFUND OF 0
CUSTOMER DMC_13
020 3050011000 CHOICE AND 0
0 05 1 N/A CDCVM ** 03 0 MSI_130 00
Tokenized Mastercard consumer-presented QR transaction
0200: DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate
data in response message from simulator.
0200: DE 22, SF 1 (POS Terminal PAN Entry Mode) = 03 (PAN auto-entry via
barcode reader) .
5
0200: DE 48, SE 21 (Acceptance Data), SF 2 (Additional Terminal Capability
Indicator) = 10 (M/Chip QR only supported).
0200: DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier);
and DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
0200: DE 55 (ICC System-Related Data), DE 23 (Card Sequence Number), and
DE 35 (Track 2 Data) are present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data).

Authorization M/Chip-specific General Acceptance Criteria

Unless otherwise specified in the comments field of each test case, these
conditions must be fulfilled with all M/Chip 0200 Financial Transaction Request
messages.
• DE 3 (Processing Code), subfield 1 (Cardholder Transaction Type Code) must be
01 for Withdrawal.
• DE 14 (Date, Expiration) must be present.
• DE 18 (Merchant Type) must be 6011 for ATM or 6010 for Purchase.
• DE 22 (POS Entry Mode), subfield 1 (POS Terminal PAN Entry Mode) must be
05 (PAN auto-entry via M/Chip).
• DE 22 (POS Entry Mode), subfield 2 (POS Terminal PIN Entry Mode) must be 1
(Terminal has PIN entry capability).
• DE 23 (Card Sequence Number) must be 000, except when cards 111 or 112 are
used.
• DE 52 (PIN Data) must be present.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 726
 Single Message Authorization
Authorization M/Chip-specific General Acceptance Criteria

• DE 55 (ICC System-Related data) and DE 23 (Card Sequence Number) must be

present, except when card 118 is used.
• When DE 55 (ICC System-Related Data) is present, the Authorization Request
Cryptogram (ARQC) must be successfully validated by the simulator.
• When DE 55 is present, all mandatory tags, including tag 9F34 (CVM Results),
must be present.
• When DE 55 is present, only mandatory and optional tags must be included in
DE 55.
• DE 61 (POS Data), subfield 4 (POS Cardholder Presence) must be 0 (Cardholder
present).
• DE 61 (POS Data), subfield 11 (POS Card Data Terminal Input Capability
Indicator) must be 5 (Magnetic stripe reader and EMV specification compatible
integrated circuit card (ICC) reader), 8 (Magnetic stripe reader and key entry
and EMV-compatible ICC reader) or 9 (EMV compatible ICC reader only).
Acquirers whose terminals support contactless M/Chip transactions may use a
value of 3 (Contactless M/Chip [Proximity Chip]).
For acquirers supporting ATM Surcharge, the following conditions must be fulfilled
with all M/Chip 0200 Financial Transaction Request:
• DE 28 (Amount, Transaction Fee) must be present.
• DE 4 (Amount, Transaction) must contain the total amount (the original
requested amount plus the transaction fee).
• DE 55 (ICC System-related data) Tag 9F02 (Amount Authorized) must contain
the original requested amount, usually excluding the transaction fee.

NOTE:
The value contained in DE 55 (ICC System-related data) Tag 9F02 (Amount Authorized) is
used during cryptogram generation, therefore it is forbidden to update this Tag after the
cryptogram generation. Having Tag 9F02 out of sync with DE 4 (Amount, Transaction) is
permitted in some particular cases like ATM Surcharge.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 727
 Single Message Authorization
Programs and Services Testing

Programs and Services Testing

This section contains test cases for different Programs and Services offered by the
Single Message System as optional services.
These services are available only to customers that connect directly to the System.
For detail about these Programs and Services please refer to the Single Message
System Programs and Services Manual located on Mastercard Connect™.
• Table 3050151—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (All Business Transactions)— Financial Transaction
Requests
• Table 3050152—Acquirer Credit and Debit—ICC Product and Services—
Contactless M/Chip (Technical Conditions)—Financial Transaction Requests
• Table 3050311—Acquirer Credit and Debit—ICC Product and Services—PIN
Management Service—Financial Transaction Requests
• Table 3050316—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Cardless ATM Program—Financial Transaction Requests
• Table 3050621—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Prefunded Model)—Financial Transaction Requests
• Table 3050622—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Real-time Authorized Model)—Financial Transaction Requests
• Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests and Advices and Reversals
• Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric
Vehicle Charging—Financial Transaction Requests and Reversal Advices
• Table 3050645—Acquirer Credit and Debit—ICC Product and Services—
Automated Fuel Dispenser—Financial Transaction Requests and Reversals
• Table 3050660—Acquirer Credit and Debit—ICC Product and Services—
Mastercard Biometric Card Authentication—Financial Transaction Requests and
Advices
• Table 3050715—Acquirer Credit and Debit—ICC Product and Services—Transit
Top-Up Payment Transactions (India)—Financial Transaction Requests
• Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital
Secure Remote Payment—Financial Transaction Requests

Table 3050151—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (All Business Transactions)— Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can send correctly formatted Financial Transaction Requests for various
contactless M/Chip business transactions and process the resulting Financial
Transaction Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 728
 Single Message Authorization
Table 3050151—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip (All
Business Transactions)— Financial Transaction Requests

Test Tools document within the Chip and Contactless Information Center of
Publications on MasterCard Connect.

Table 3050151—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (All Business Transactions)— Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050151000 PURCHASE
1 0 01 1 N/A SIGNATURE 00 07 0 MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
020 3050151000 PURCHASE
2 0 02 1 N/A ONLINE PIN 00 07 0 V MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
CAT LEVEL 1
020 3050151000 PURCHASE
3
0 03 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
CAT LEVEL 2
020 3050151000 PURCHASE NO
4
0 04 1 N/A CVM 00 07 2 MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 729
 Single Message Authorization
Table 3050151—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip (All
Business Transactions)— Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 4
020 3050151000 PURCHASE NO
5
0 05 1 N/A CVM 00 07 4 MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
PURCHASE
WITH
6 020 3050151000 CASHBACK
0 06 1 N/A SIGNATURE 09 07 0 MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
PURCHASE
WITH
7 020 3050151000 CASHBACK
0 07 1 N/A ONLINE PIN 09 07 0 V MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS
POS BALANCE
020 3050151000 INQUIRY
0 08 1 N/A SIGNATURE 30 07 0 MSI_405 00
8
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.
0210: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 730
 Single Message Authorization
Table 3050151—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip (All
Business Transactions)— Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
POS BALANCE
020 3050151000 INQUIRY
0 09 1 N/A ONLINE PIN 30 07 0 V MSI_405 00
9
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.
0210: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

ICC
CONTACTLESS
020 3050151000 REFUND
10 0 10 1 N/A ONLINE PIN 20 07 0 V MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

ICC
CONTACTLESS MCC_40
ATM BALANCE 4
020 3050151000 INQUIRY MSI_406
0 11 1 N/A ONLINE PIN 30 07 * V CIR_404 00
11
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.
0210: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)

ICC
CONTACTLESS MCC_40
ATM 4
020 3050151000 WITHDRAWAL MSI_405
12
0 12 1 N/A ONLINE PIN 01 07 * V CIR_404 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 731
 Single Message Authorization
Table 3050151—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip (All
Business Transactions)— Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
ATM 4
020 3050151000 PURCHASE MSI_405
13 0 13 1 N/A ONLINE PIN 00 07 * V CIR_404 00
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.
ATM purchase transaction contains DE 18 and DE 48tcc applicable values.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 732
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (Technical Conditions)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application
can produce Financial Transaction Requests and process correctly formatted
Financial Transaction Responses under the less common, but valid, general
conditions surrounding the financial system.
These test cases must be executed by all Acquirers using a Business Transaction
that they support. The Acquirer may choose any business transaction that they
support to execute these test cases. Therefore, Data Element fields marked with
an asterisk (*) should be the correct ones for the transaction that the customer
chooses to run for the test.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless

M/Chip (Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
ATM OR POS
CP BUSINESS
TRANSACTION MSI_411-
AND CVM OF 412
020 3050152000 CUSTOMER CIR_411-
1 0 01 1 N/A CHOICE ** 07 * * 412 00
Financial transaction meets the contactless M/Chip-specific acceptance
criteria.

NOTE: Acquirers should execute this test case twice; once using card MSI_411
and again using card MSI_412.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 733
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
ATM OR POS
CP BUSINESS
TRANSACTION
AND CVM OF
020 3050152000 CUSTOMER MSI_415
2 0 02 1 N/A CHOICE ** 07 * * CIR_415 00
Financial transaction meets the contactless M/Chip-specific acceptance
criteria.
Unlike other ICC contactless tests, authorization response includes DE 55 (ICC
System Related Data), which is not processed by the terminal or card and
should not affect transaction outcome.

ICC
CONTACTLESS
ATM OR POS
CP BUSINESS
TRANSACTION
AND CVM OF
020 3050152000 CUSTOMER
3 0 03 1 N/A CHOICE ** 07 * * MSI_406 00
Financial transaction meets the contactless M/Chip-specific acceptance
criteria.
This test case should be executed by Acquirers when merchants provide the
Device Type.
DE 48, SE 23, SF 1 = 00 (Card)

ICC
CONTACTLESS
ATM OR POS
CP BUSINESS
TRANSACTION
AND CVM OF
020 3050152000 CUSTOMER
4 0 04 1 N/A CHOICE ** 07 * * MSI_420 00
Financial transaction meets the contactless M/Chip-specific acceptance
criteria.
This test case should be executed by Acquirers when merchants provide the
Device Type.
DE 48, SE 23, SF 1 = 01 (Mobile Phone or Smartphone).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 734
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
ATM
020 3050152000 WITHDRAWAL MSI_406
0 11 1 N/A ONLINE PIN 01 07 1 V CIR_406 00
5 Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.
This is the first of two ATM service requests initiated by a single contactless
tap wherein the cryptographic data will be the same for both requests when
Transaction Type (DE 55 tag 9C) is equal to '93' (contactless)

ICC
CONTACTLESS
ATM
020 3050152000 WITHDRAWAL MSI_406
0 12 1 N/A ONLINE PIN 01 07 1 V CIR_406 00
6 Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.
This is the second of two ATM service requests initiated by a single contactless
tap wherein the cryptographic data will be the same for both requests.
Transaction Type (DE 55 tag 9C) is equal to '01' (withdrawal)

ICC
CONTACTLESS
POS CP
BUSINESS
TRANSACTION
AND CVM OF
020 3050152000 CUSTOMER
0 21 1 N/A CHOICE ** 07 * * MSI_420 00
7 Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.
Mastercard Digital Enablement Service issuer PAN transaction.
0200: Acquirer must send DE 4 = 000000005600 to obtain appropriate data in
response message.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 735
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
POS CP
BUSINESS
TRANSACTION
AND CVM OF
020 3050152000 CUSTOMER
0 22 1 N/A CHOICE ** 07 * * MSI_420 00
Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.
8
Mastercard Digital Enablement Service issuer token transaction was
successfully mapped and validated.
0200: Acquirer must send DE 4 = 000000005633 to obtain appropriate data in
response message.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

ICC
CONTACTLESS MCC_40
ATM 4
020 3050152000 WITHDRAWAL MSI_405
0 26 1 N/A ONLINE PIN 01 07 1 V CIR_404 00
Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.
9
Mastercard Digital Enablement Service issuer PAN transaction.
0200: Acquirer must send DE 4 = 000000026000 to obtain appropriate data in
response message.
0210: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)
0210: DE 56 (Payment Account Data) is not provided.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 736
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS MCC_40
ATM 4
020 3050152000 WITHDRAWAL MSI_405
0 27 1 N/A ONLINE PIN 01 07 1 V CIR_404 00
Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.
Mastercard Digital Enablement Service issuer token transaction was
successfully mapped and validated.
10
0200: Acquirer must send DE 4 = 000000028000 to obtain appropriate data in
response message.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3
(PAN expiry date), SF 5 (Token Assurance Level), and SF 6 (Token Requestor
ID).
0210: DE 54 (Additional Amounts) contains SF 2 (Account Type) = 02
(Available Balance)
0210: DE 56 (Payment Account Data) is not provided.

ICC BARCODE
PURCHASE OR
REFUND OF
CUSTOMER
020 3050152000 CHOICE AND
0 31 1 N/A CDCVM ** 03 0 MSI_130 00
Tokenized MasterCard consumer-presented QR transaction
0200: DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate
data in response message from simulator.
0200: DE 22, SF 1 (POS Terminal PAN Entry Mode) = 03 (PAN auto-entry via
barcode reader).
11
0200: DE 48, SE 21 (Acceptance Data), SF 2 (Additional Terminal Capability
Indicator) = 11 (M/Chip QR and Barcode both supported).
0200: DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier);
and DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
0200: DE 55 (ICC System-Related Data), DE 23 (Card Sequence Number), and
DE 35 (Track 2 Data) are present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 737
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC BARCODE
PURCHASE OR
REFUND OF
CUSTOMER
020 3050152000 CHOICE AND
0 32 1 N/A CDCVM ** 03 0 MSI_130 00
Tokenized MasterCard consumer-presented QR transaction
0200: DE 4 (Amount, Transaction) = 000000005633 to obtain appropriate
data in response message from simulator.
0200: DE 22, SF 1 (POS Terminal PAN Entry Mode) = 03 (PAN auto-entry via
barcode reader).
12
0200: DE 48, SE 21 (Acceptance Data), SF 2 (Additional Terminal Capability
Indicator) = 10 (M/Chip QR only supported).
0200: DE 48, SE 23, SF 1 (Device Type); DE 48, SE 26, SF 1 (Wallet Identifier);
and DE 48, SE 33, SF 6 (Token Requestor ID) present if available and required.
0200: DE 55 (ICC System-Related Data), DE 23 (Card Sequence Number), and
DE 35 (Track 2 Data) are present.
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data).

ICC
CONTACTLESS
020 3050152000 PURCHASE NO
0 41 1 N/A CVM 00 07 0 MSI_405 00
Financial Transaction Request meets the contactless M/Chip-specific general
13 acceptance criteria.
Low-value transaction with limits not reached.
0200: DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing).
0210: Issuer approves transaction DE 39 = 00 and monitoring system
increments counter or accumulator.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 738
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050152000 PURCHASE NO
0 42 1 N/A CVM 00 07 0 MSI_405 65
Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.

14 Low-value transaction with limits reached.

DE 4 (Amount, Transaction) = 000000000922 to obtain appropriate data in
response message from simulator.
0200: DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing).
0210: Issuer requests PIN authentication using DE 39 = 65 and DE 48, SE 22,
SF 04 = 1 (Issuer requests PIN in Single Tap mode) due to monitoring system
indicating limits reached for counter or accumulator.

ICC
CONTACTLESS
020 3050152000 PURCHASE
0 43 1 N/A ONLINE PIN 00 07 0 V MSI_405 00
Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.

15 Low-value authentication request containing online PIN and updated values in

DE 11 and DE 37.
0200: DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing).
0200: DE 48, SE 22, SF 03 = 1 (Transaction contains an intentionally-
duplicated [replayed] ATC value).
0210: Issuer approves transaction DE 39 = 00 and monitoring system resets
counter or accumulator.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 739
 Single Message Authorization
Table 3050152—Acquirer Credit and Debit—ICC Product and Services—Contactless M/Chip
(Technical Conditions)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050152000 PURCHASE NO
0 44 1 N/A CVM 00 07 0 MSI_405 65
Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.

16 Low-value transaction with limits reached and issuer does not want single tap
processing.
DE 4 (Amount, Transaction) = 000000000920 to obtain appropriate data in
response message from simulator.
0200: DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing).
0210: Issuer decline DE 39 = 65 and terminal to prompt cardholder to perform
a contact card transaction; DE 48, SE 22, SF 04 is not present.

ICC
020 3050152000 PURCHASE
0 45 1 N/A ONLINE PIN 00 05 0 V MSI_405 00
Financial Transaction Request meets the M/Chip-specific general acceptance
criteria.
Terminal prompts cardholder to insert chip card and enter online PIN for this
17 Low-value transaction that exceeded counter or accumulator and was
declined by issuer with DE 39 = 65 indicating issuer did not want single tap
processing.
0200: DE 48, SE 22, SF 02 = 1 (Merchant capable of single tap processing).
0210: Issuer approves transaction DE 39 = 00 and monitoring system resets
counter or accumulator.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 740
 Single Message Authorization
Table 3050311—Acquirer Credit and Debit—ICC Product and Services—PIN Management Service
—Financial Transaction Requests

Table 3050311—Acquirer Credit and Debit—ICC Product and Services—PIN

Management Service—Financial Transaction Requests
The following test cases are designed to ensure the acquirer application sends PIN
Management Financial Transaction Requests, and can process the Financial
Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 5. For information about obtaining Subset 5, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

NOTE: The response codes tested do not represent the full range possible.

Table 3050311—Acquirer Credit and Debit—ICC Product and Services—PIN

Management Service—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_14
1-143
MSI_141-
ICC ATM PIN 143
020 3050311000 UNBLOCK CIR_141-
1 0 01 1 N/A ONLINE PIN 91 05 1 V 143 V
Financial transaction meets the PIN management authorization Chip-specific
general acceptance criteria.
DE 39 response for successful completion may be 85 (use Card ID 143) or 00
(use Card ID 141 or 142) depending on which Card ID is used.

MCC_14
1-143
MSI_141-
ICC ATM PIN 143
020 3050311000 CHANGE CIR_141-
2 0 02 1 N/A ONLINE PIN 92 05 1 V 143 V
Financial transaction meets the PIN management authorization Chip-specific
general acceptance criteria.
DE 39 response for successful completion may be 85 (use Card ID 143) or 00
(use Card ID 141 or 142) depending on which Card ID is used.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 741
 Single Message Authorization
Table 3050311—Acquirer Credit and Debit—ICC Product and Services—PIN Management Service
—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_14
ICC ATM PIN 4
020 3050311000 UNBLOCK MSI_144
0 11 1 N/A ONLINE PIN 91 05 1 V CIR_144 70
3
Financial transaction request meets the PIN management authorization Chip-
specific general acceptance criteria.
DE 39 = 70 (Invalid transaction; contact card issuer)

MCC_14
ICC ATM PIN 5
020 3050311000 CHANGE MSI_145
0 12 1 N/A ONLINE PIN 92 05 1 V CIR_145 71
4
Financial transaction request meets the PIN management authorization Chip-
specific general acceptance criteria.
DE 39 = 71 (PIN not changed)

MCC_14
ICC ATM PIN 7
020 3050311000 CHANGE MSI_147
0 13 1 N/A ONLINE PIN 92 05 1 V CIR_147 89
5
Financial transaction request meets the PIN management authorization Chip-
specific general acceptance criteria.
DE 39 = 89 (PIN unacceptable. Retry)

ICC ATM PIN

020 3050311000 UNBLOCK MSI_146
0 14 1 N/A ONLINE PIN 91 05 1 V CIR_146 57
6 Financial transaction request meets the PIN management authorization Chip-
specific general acceptance criteria.
DE 39 = 57 (Transaction not permitted to issuer/cardholder)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 742
 Single Message Authorization
Table 3050311—Acquirer Credit and Debit—ICC Product and Services—PIN Management Service
—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_14
1-143
MSI_141-
ICC ATM PIN 143
020 3050311000 UNBLOCK CIR_141-
0 22 1 N/A ONLINE PIN 91 05 1 V 143 00
042
7 0 1 N/A DE 39 = 00 00
Financial Transaction Request meets the PIN management authorization
Chip-specific general acceptance criteria.
Approved response containing an invalid issuer script that cannot be
implemented by the card.
Full reversal after issuer script implementation failed at acquirer.
DE 60 = 453 0041 (Financial transaction cancellation: card returned).

MCC_15
ICC ATM PIN 2
020 3050311000 UNBLOCK MSI_152
0 31 1 N/A ONLINE PIN 91 05 * V CIR_152 57
8
Financial Transaction Request meets the PIN management authorization
Chip-specific general acceptance criteria.
Declined response with issuer script.

MCC_15
ICC ATM PIN 1
020 3050311000 CHANGE MSI_151
0 10 1 N/A ONLINE PIN 92 05 * V CIR_151 00
9
Financial Transaction Request meets the PIN management authorization
Chip-specific general acceptance criteria.
Approved response with no issuer script.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 743
 Single Message Authorization
Table 3050316—Acquirer Credit and Debit—ICC Product and Services—Mastercard Cardless ATM
Program—Financial Transaction Requests

Table 3050316—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Cardless ATM Program—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests for
tokenized Mastercard Cardless ATM Program transactions, and process the
resulting Financial Transaction Responses.

Table 3050316—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Cardless ATM Program—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
DSRP ICC
CARDLESS MCC_40
ATM 4
020 3050316000 WITHDRAWAL MSI_405
0 01 1 1 ONLINE PIN 01 09 6 * CIR_404 00
MasterCard Cardless ATM Program transaction by participating acquirers and
issuers and verified by CDCVM and optional online PIN
0200: DE 4 (Amount, Transaction) = 000000028000 to obtain appropriate
response information
0200: DE 18 = 6011 and DE 48tcc = Z (ATM)

1 0200: DE 48, SE 28 (Cardless ATM Order ID) and SE 29 (Additional POS

Terminal Locations) = A (Transaction has been initiated remotely and
completed at a physical terminal on premises of the card acceptor facility) are
present
0200: DE 52 may be present
0200: DE 55 present along with DE 23 and DE 35
0200: DE 61, SF 3 = 8 (Additional POS Terminal Location)
0210: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN), SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable
0210: DE 56 (Payment Account Data) is not provided

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 744
 Single Message Authorization
Table 3050316—Acquirer Credit and Debit—ICC Product and Services—Mastercard Cardless ATM
Program—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
DSRP ICC
CARDLESS MCC_40
ATM 4
020 3050316000 WITHDRAWAL MSI_405
0 02 1 1 CDCVM 01 09 6 * CIR_404 00
MasterCard Cardless ATM Program transaction by participating acquirers and
issuers and verified by CDCVM only
0200: DE 4 (Amount, Transaction) = 000000028000 to obtain appropriate
response information
0200: DE 18 = 6011 and DE 48tcc = Z (ATM)

2 0200: DE 48, SE 28 (Cardless ATM Order ID) and SE 29 (Additional POS

Terminal Locations) = B (Transaction has been initiated remotely and
completed at a physical terminal off premises of the card acceptor facility)
are present
0200: DE 52 may be present
0200: DE 55 present along with DE 23 and DE 35
0200: DE 61, SF 3 = 8 (Additional POS Terminal Location)
0210: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN), SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable
0210: DE 56 (Payment Account Data) is not provided

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 745
 Single Message Authorization
Table 3050621—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Prefunded Model)—Financial Transaction Requests

Table 3050621—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Prefunded Model)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests for the
Transit Program Prefunded model and process the resulting Financial Transaction
Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 3050621—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Prefunded Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050621000 PURCHASE NO
0 01 1 N/A CVM 00 07 0 MSI_406 00
Pre-funded transit transaction with applicable transit specific parameters in
the financial transaction request.
Financial transaction request meets the contactless M/Chip-specific general
acceptance criteria.
DE 4 (Amount, Transaction) contains fare for travel subscription or plan

1 DE 18 (Merchant Type) contains applicable Merchant Category Code

DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 01 (Pre-funded) and
SF 2 (Transportation Mode Indicator) contains an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains fare for travel subscription or
plan
DE 55 contains ICC data from the tap for passenger's travel rights
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 746
 Single Message Authorization
Table 3050621—Acquirer Credit and Debit—ICC Product and Services—Transit Program
(Prefunded Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050621000 PURCHASE NO
0 02 1 N/A CVM 00 07 0 MSI_406 00
ATC Update Request with the most recent ATC (Application Transaction
Counter) value and other applicable data.
Financial Transaction Request meets the contactless M/Chip-specific general
acceptance criteria.
2
DE 4 (Amount, Transaction) contains all zeros
DE 55 contains ICC data from the most recent tap
DE 61, SF 7 (POS Transaction Status) = 6 (ATC Update)

NOTE: Transit merchants must initiate an ATC update with most recent ATC
value at least once every 20 times a card is used in the transit system from the
last authorization or ATC update request.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 747
 Single Message Authorization
Table 3050622—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Real-
time Authorized Model)—Financial Transaction Requests

Table 3050622—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Real-time Authorized Model)—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests for the
Transit Program Post-Authorized Aggregated model and related Debt Recovery
transactions, and process the resulting Financial Transaction Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

Table 3050622—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Real-time Authorized Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050622000 PURCHASE NO
0 01 1 N/A CVM 00 07 0 MSI_406 00
Real-Time Authorized transit transaction with applicable transit specific data
in the authorization request.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
DE 4 (Amount, Transaction) contains single/known ride fare

1 DE 18 (Merchant Type) contains applicable Merchant Category Code

DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 02 (Real-Time
Authorized) and SF 2 (Transportation Mode Indicator) contains an applicable
valid value
DE 55, tag 9F02 (Amount, Authorized) single/known ride fare
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 748
 Single Message Authorization
Table 3050622—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Real-
time Authorized Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050622000 PURCHASE NO
0 07 1 N/A CVM 00 07 0 MSI_406 00
Card present debt recovery transit transaction via M/Chip contactless tap
using funding PAN on an attended or unattended terminal.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains funding PAN
DE 4 (Amount, Transaction) contains amount to be recovered
2 DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 749
 Single Message Authorization
Table 3050622—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Real-
time Authorized Model)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050622000 PURCHASE NO
0 08 1 N/A CVM 00 07 0 MSI_406 00
Card present debt recovery transit transaction via M/Chip contactless tap
using device token PAN on an attended or unattended terminal.

NOTE: This test case is included to get the PAN in the authorization response
for the purpose of performing a debt recovery when cardholder uses the digital
wallet in transit. Since the device token cannot be used to perform the debt
recovery, transit operator should trigger the debt recovery by using the PAN
returned in PAN Mapping Information.

Authorization request meets the contactless M/Chip-specific general

acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains device token PAN
DE 4 (Amount, Transaction) = 000000000499 to obtain appropriate response
3 information
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 07 (Debt Recovery)
and SF 02 (Transportation Mode Indicator) contains an applicable valid value
DE 48, SE 61, SF 05 (Final Authorization Indicator) = 1 (Final Authorization)
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 0 (Normal request - original
presentment)
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0210: DE 56 (Payment Account Data) is present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 750
 Single Message Authorization
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Financial Transaction Requests and Advices and
Reversals
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit
Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests and Advices and Reversals
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Financial Transaction Requests and
Reversals or Advices for the Transit Program Post-Authorized Aggregated Maestro
model and ATC Update transactions, and process the resulting Authorization
Financial Transaction Responses.
The tests in this table require that the tester use test cards in the NIV Test Tools
Subset 7. For information about obtaining Subset 7, please see M/Chip Qualified
Test Tools document within the Chip and Contactless Information Center of
Publications on Mastercard Connect.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 751
 Single Message Authorization
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Financial Transaction Requests and Advices and
Reversals

Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit

Program (Post-Authorized Aggregated Maestro Model)—Financial Transaction
Requests and Advices and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050626000 PURCHASE NO
0 01 1 N/A CVM 00 07 0 MSI_406 00
042
0 1 N/A DE 39 = 00 00
Post-Authorized Aggregated Maestro transit transaction with applicable
transit specific data in the financial transaction request and a reversal (using
Reversal Advice/0420) for the unused amount from the estimated/maximum
fare.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
1
DE 4 (Amount, Transaction) contains estimated or maximum transit fare for 3
days (all the regions except Mexico) and 2 days for Mexico
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 06 (Post-Authorized
Aggregated Maestro) and SF 2 (Transportation Mode Indicator) contains an
applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorization request)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 752
 Single Message Authorization
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Financial Transaction Requests and Advices and
Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050626000 PURCHASE NO
0 02 1 N/A CVM 00 07 0 MSI_406 00
022
0 1 N/A DE 39 = 00 00
Post-Authorized Aggregated Maestro transit transaction with applicable
transit specific data in the authorization financial transaction request and an
advice (using Financial Transaction Advice/0220) to return the unused amount
from the estimated/maximum fare.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
2
DE 4 (Amount, Transaction) contains estimated or maximum transit fare for 3
days (all the regions except Mexico) and 2 days for Mexico
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) = 06 (Post-Authorized
Aggregated Maestro) and SF 2 (Transportation Mode Indicator) contains an
applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains all zeros
DE 55 contains ICC data from the tap
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorization request)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 753
 Single Message Authorization
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Financial Transaction Requests and Advices and
Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050626000 PURCHASE NO
0 08 1 N/A CVM 00 07 0 MSI_406 00
Post-Authorized Aggregated Maestro transit transaction with applicable
transit specific data in the authorization request.

NOTE: This test case is included to get the PAN in the authorization response
for the purpose of performing a debt recovery when cardholder uses the digital
wallet in transit. Since the device token cannot be used to perform the debt
recovery, transit operator should trigger the debt recovery by using the PAN
returned in PAN Mapping Information.

Authorization request meets the contactless M/Chip-specific general

acceptance criteria.
DE 2 (Primary Account Number[PAN]) contains device token PAN
DE 4 (Amount, Transaction) = 000000000499 to obtain appropriate response
3
information
DE 18 (Merchant Type) contains applicable Merchant Category Code
DE 48, SE 64, SF 01 (Transit Transaction Type Indicator) = 06 (Post-
Authorized Aggregated Maestro) and SF 02 (Transportation Mode Indicator)
contains an applicable valid value
DE 55, tag 9F02 (Amount, Authorized) contains amount to be recovered
DE 55 contains ICC data from the tap for amount to be recovered
DE 55, tag 9F26 contains Transaction Certificate (TC) or Authorization
Request Cryptogram (ARQC) per Cryptogram Information Data (tag 9F27)
DE 61, SF 7 (POS Transaction Status) = 4 (Preauthorization request)
0210: DE 48, SE 33 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN
Expiry Date), SF 5 (Token Assurance Level), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable
0210: DE 56 (Payment Account Data) is present

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 754
 Single Message Authorization
Table 3050626—Acquirer Credit and Debit—ICC Product and Services—Transit Program (Post-
Authorized Aggregated Maestro Model)—Financial Transaction Requests and Advices and
Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
020 3050626000 PURCHASE NO
0 09 1 N/A CVM 00 07 0 MSI_406 00
ATC Update Request with the most recent ATC (Application Transaction
Counter) value and other applicable data.
Authorization request meets the contactless M/Chip-specific general
acceptance criteria.
4
DE 4 (Amount, Transaction) contains all zeros
DE 55 contains ICC data from the most recent tap
DE 61, SF 7 (POS Transaction Status) = 6 (ATC Update)

NOTE: Transit merchants must initiate an ATC update with most recent ATC
value at least once every 20 times a card is used in the transit system from the
last authorization or ATC update request.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 755
 Single Message Authorization
Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Financial Transaction Requests and Reversal Advices

Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric

Vehicle Charging—Financial Transaction Requests and Reversal Advices
The following test cases will test whether an acquirer's Single Message online
application can send properly formatted M/Chip Contactless Financial Transaction
Request and, when applicable, Reversal Advice messages for Electric Vehicle
Charging transactions and receive resulting Financial Transaction Responses.

NOTE: Please see AN 3852—Revised Standards—Electric Vehicle Charging Transaction

Processing Procedures for details.

Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric

Vehicle Charging—Financial Transaction Requests and Reversal Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 2
020 3050633000 PURCHASE NO
0 01 1 N/A CVM 00 07 2 MSI_405 10
042
0 1 N/A DE 39 = 00 00
Preauthorization before electric vehicle charging; merchant terminal
optionally supports partial approvals; issuer provides partial approval
response; and completed transaction amount less than partial approval
amount
1
DE 4 (Amount, Transaction) = 000000003910 for simulator to send
appropriate response data
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 10000
indicating merchant terminal supports receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0210: DE 4 contains partial approval amount and DE 39 = 10 (Partial
approval)
0420: DE 39 = 00 (Approved); DE 48, SE 63 (Trace ID); DE 60 = 4510010; and
DE 95, SF 1 (Actual Amount, Transaction)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 756
 Single Message Authorization
Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Financial Transaction Requests and Reversal Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 2
020 3050633000 PURCHASE NO
0 02 1 N/A CVM 00 07 2 MSI_405 00
042
0 1 N/A DE 39 = 00 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount less than approved request amount
2
DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0420: DE 39 = 00 (Approval); DE 48, SE 63 (Trace ID); DE 60 = 4510010; and
DE 95, SF 1 (Actual Amount, Transaction)

ICC
CONTACTLESS
CAT LEVEL 2
020 3050633000 PURCHASE NO
0 03 1 N/A CVM 00 07 2 MSI_405 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount greater than approved request amount
DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
3 or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)

NOTE: Acquirer must send an additional (incremental) authorization request

for the unauthorized amount to obtain chargeback protection.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 757
 Single Message Authorization
Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Financial Transaction Requests and Reversal Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 2
020 3050633000 PURCHASE NO
0 04 1 N/A CVM 00 07 2 MSI_405 00
Incremental authorization for electric vehicle charging request whose
4 completed transaction amount was greater than approved request amount
DE 4 (Amount, Transaction) for the incremental amount
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail); SE 61 (POS Data Extended Condition Codes) = 00001
indicating final authorization; and DE 48, SE 63 (Trace ID)
DE 61, SF 7 = 0 (Normal request)

ICC
CONTACTLESS
CAT LEVEL 1
020 3050633000 PURCHASE
0 11 1 N/A ONLINE PIN 00 07 1 V MSI_405 10
042
0 1 N/A DE 39 = 00 00
Preauthorization before electric vehicle charging; merchant terminal
optionally supports partial approvals; issuer provides partial approval
response; and completed transaction amount less than partial approval
amount
5
DE 4 (Amount, Transaction) = 000000003910 for simulator to send
appropriate response data
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 10000
indicating merchant terminal supports receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0210: DE 4 contains partial approval amount and DE 39 = 10 (Partial
approval)
0420: DE 39 = 00 (Approved); DE 48, SE 63 (Trace ID); DE 60 = 4510010; and
DE 95, SF 1 (Actual Amount, Transaction)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 758
 Single Message Authorization
Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Financial Transaction Requests and Reversal Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 1
020 3050633000 PURCHASE
0 12 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
042
0 1 N/A DE 39 = 00 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount less than approved request amount
6
DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)
0420: DE 39 = 00 (Approval); DE 48, SE 63 (Trace ID); DE 60 = 4510010; and
DE 95, SF 1 (Actual Amount, Transaction)

ICC
CONTACTLESS
CAT LEVEL 1
020 3050633000 PURCHASE
0 13 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
Preauthorization before electric vehicle charging; merchant terminal does not
support partial approvals; issuer approves request; and completed transaction
amount greater than approved request amount
DE 4 (Amount, Transaction) equals the terminal maximum dispense amount
7 or a specific amount requested by the cardholder that does not exceed the
applicable contactless CVM limit
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail), SE 61 (POS Data Extended Condition Codes) = 00000
indicating merchant terminal does not support receipt of partial approvals
DE 61, SF 7 = 4 (Preauthorized request)

NOTE: Acquirer must send an additional (incremental) authorization request

for the unauthorized amount to obtain chargeback protection.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 759
 Single Message Authorization
Table 3050633—Acquirer Credit and Debit—ICC Product and Services—Electric Vehicle Charging
—Financial Transaction Requests and Reversal Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
CONTACTLESS
CAT LEVEL 1
020 3050633000 PURCHASE
0 14 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
Incremental authorization for electric vehicle charging request whose
8 completed transaction amount was greater than approved request amount
DE 4 (Amount, Transaction) for the incremental amount
DE 18 = 5552 (Electric Vehicle Charging)
DE 48tcc = R (Retail); SE 61 (POS Data Extended Condition Codes) = 00001
indicating final authorization; and DE 48, SE 63 (Trace ID)
DE 61, SF 7 = 0 (Normal request)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 760
 Single Message Authorization
Table 3050645—Acquirer Credit and Debit—ICC Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

Table 3050645—Acquirer Credit and Debit—ICC Product and Services—Automated

Fuel Dispenser—Financial Transaction Requests and Reversals
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted preauthorization Financial Transaction
Request for Automated Fuel Dispenser transactions; receive the resulting Financial
Transaction Response; and then send completion Reversal Advice message.

NOTE: Please see AN 3886—Revised Standards—Automated Fuel Dispenser Transaction

Processing Procedures for details and effective dates and also AN 2697—Revised Standards
—Electronic Commerce Transactions at Automated Fuel Dispensers.

Table 3050645—Acquirer Credit and Debit—ICC Product and Services—Automated

Fuel Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC OR ICC
CONTACTLESS
PURCHASE
CAT LEVEL
AND CVM OF
020 3050645000 CUSTOMER MSI_106
0 01 1 1 CHOICE 00 ** * * MSI_406 00
042
0 1 1 DE 39 = 00 00
AFD dip or tap preauthorization approved and completion advice sent within
60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
1 representing the terminals maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0420: DE 4 contains preauthorization request amount from 0200 and DE 95
contains final AFD amount (pumped amount)
0420: DE 39 = 00 (Approved) and DE 60, SF 1 = 4510010 (Partial dispense:
card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 761
 Single Message Authorization
Table 3050645—Acquirer Credit and Debit—ICC Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC OR ICC
CONTACTLESS
PURCHASE
CAT LEVEL
AND CVM OF
020 3050645000 CUSTOMER MSI_106
0 02 1 1 CHOICE 00 ** * * MSI_406 10
042
0 1 1 DE 39 = 10 00
AFD dip or tap preauthorization partially approved and completion advice
sent within 60 minutes
DE 4 (Amount, Transaction) contains either an estimated amount
representing the terminals maximum dispense or shut-off amount; a specific
2 amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator)
DE 61, SF 7 = 4 (Preauthorized Request)
0210: DE 4 contains partial approval amount; pump should stop if that
amount is reached
0420: DE 4 contains partial approval amount from 0210 and DE 95 contains
final AFD amount
0420: DE 39 = 10 (Partial Approval) and DE 60, SF 1 = 4510010 (Partial
dispense: card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 762
 Single Message Authorization
Table 3050645—Acquirer Credit and Debit—ICC Product and Services—Automated Fuel
Dispenser—Financial Transaction Requests and Reversals

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC OR ICC
CONTACTLESS
PURCHASE
CAT LEVEL
AND CVM OF
020 3050645000 CUSTOMER MSI_106
0 03 1 1 CHOICE 00 ** * * MSI_406 00
042
0 1 1 DE 39 = 00 00
AFD dip or tap preauthorization approved and full reversal sent within 60
minutes due to cancelled purchase or no fuel pumped
DE 4 (Amount, Transaction) contains either an estimated amount
3 representing the terminals maximum dispense or shut-off amount; a specific
amount requested by the cardholder; or USD 1 in the U.S. Region only.
DE 18 = 5542 (Fuel Dispenser; Automated)
DE 22, SF 1 (PAN entry mode) = 90 (magnetic stripe) or 91 (contactless
magnetic stripe)
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if
applicable
DE 61, SF 7 = 4 (Preauthorized Request)
0420: DE 4 contains preauthorization request amount from 0200 and DE 95, if
present, must contain all zeros to indicate a full reversal
0420: DE 39 = 00 (Approved) and DE 60, SF 1 = 4530041 (Financial
transaction cancellation: card returned)

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 763
 Single Message Authorization
Table 3050660—Acquirer Credit and Debit—ICC Product and Services—Mastercard Biometric
Card Authentication—Financial Transaction Requests and Advices

Table 3050660—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Biometric Card Authentication—Financial Transaction Requests and Advices
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted Account Status Inquiry (ASI) and
Purchase or Purchase with Cash Back Financial Transaction Requests and Advices
for issuers participating in Mastercard Biometric Card Authentication, and process
the resulting Financial Transaction Responses containing when applicable DE 48,
subelement 17 indicating successful biometric authentication.
These test cases for contact chip may also be executed as contactless M/Chip.
These test cases for Purchase may also be executed as Purchase with Cash Back.

Table 3050660—Acquirer Credit and Debit—ICC Product and Services—Mastercard

Biometric Card Authentication—Financial Transaction Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
020 3050660000 PURCHASE
0 01 1 N/A OFFLINE PIN 00 05 0 MSI_121 00
ASI contact chip transaction successful authentication - transaction qualified
1 for Cardholder Authentication Service Type 1.
0200: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 present; DE
61, SF 7 = 8 (Account Status Inquiry); and DE 55 present.
0210: DE 48, SE 17 (Authentication Indicator) = 1 (Transaction qualified for
Authentication Service Type 1).

ICC
020 3050660000 PURCHASE
0 02 1 N/A OFFLINE PIN 00 05 0 MSI_122 00
ASI contact chip transaction successful authentication - transaction qualified
2 for Cardholder Authentication Service Type 2.
0200: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 may be
present; DE 61, SF 7 = 8 (Account Status Inquiry); and DE 55 present.
0210: DE 48, SE 17 (Authentication Indicator) = 2 (Transaction qualified for
Authentication Service Type 2).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 764
 Single Message Authorization
Table 3050660—Acquirer Credit and Debit—ICC Product and Services—Mastercard Biometric
Card Authentication—Financial Transaction Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
022 3050660000 PURCHASE
0 03 1 N/A OFFLINE PIN 00 05 0 MSI_121 00
ASI contact Chip transaction successful authentication - transaction qualified
for Authentication Service Type 1.
3
0220: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 present; DE
61, SF 7 = 8 (Account Status Inquiry); DE 55 present; DE 39 = 00 (Approved);
and DE 60 = 192 (M/Chip Offline Advice to Issuer).
0230: DE 48, SE 17 (Authentication Indicator) = 1 (Transaction qualified for
Authentication Service Type 1).

ICC
022 3050660000 PURCHASE
0 04 1 N/A OFFLINE PIN 00 05 0 MSI_122 00
ASI contact Chip transaction successful authentication - transaction qualified
for Authentication Service Type 2.
4
0220: DE 3, SF 1 = 00 (Purchase); DE 4 contains all zeros; DE 23 may be
present; DE 61, SF 7 = 8 (Account Status Inquiry); DE 55 present; DE 39 = 00
(Approved); and DE 60 = 192 (M/Chip Offline Advice to Issuer).
0230: DE 48, SE 17 (Authentication Indicator) = 2 (Transaction qualified for
Authentication Service Type 2).

ICC
020 3050660000 PURCHASE
0 05 1 N/A OFFLINE PIN 00 05 0 MSI_121 00
Purchase contact chip transaction successful authentication - transaction
5 qualified for Cardholder Authentication Service Type 1.
0200: DE 3, SF 1 = 00 (Purchase); DE 4 transaction amount; DE 23 present; DE
61, SF 7 = 0 (Normal Request); and DE 55 present.
0210: DE 48, SE 17 (Authentication Indicator) = 1 (Transaction qualified for
Authentication Service Type 1).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 765
 Single Message Authorization
Table 3050660—Acquirer Credit and Debit—ICC Product and Services—Mastercard Biometric
Card Authentication—Financial Transaction Requests and Advices

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
020 3050660000 PURCHASE
0 06 1 N/A OFFLINE PIN 00 05 0 MSI_122 00
Purchase contact chip transaction successful authentication - transaction
6 qualified for Cardholder Authentication Service Type 2.
0200: DE 3, SF 1 = 00 (Purchase); DE 4 transaction amount; DE 23 may be
present; DE 61, SF 7 = 0 (Normal Request); and DE 55 present.
0210: DE 48, SE 17 (Authentication Indicator) = 2 (Transaction qualified for
Authentication Service Type 2).

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 766
 Single Message Authorization
Table 3050715—Acquirer Credit and Debit—ICC Product and Services—Transit Top-Up Payment
Transactions (India)—Financial Transaction Requests

Table 3050715—Acquirer Credit and Debit—ICC Product and Services—Transit Top-

Up Payment Transactions (India)—Financial Transaction Requests
The following test cases will test whether an acquirer Single Message online
application can send India domestic ATM transactions containing applicable data
in correctly formatted Financial Transaction Requests and receive the resulting
Financial Transaction Responses with issuer script and balance information.

Table 3050715—Acquirer Credit and Debit—ICC Product and Services—Transit Top-

Up Payment Transactions (India)—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
MCC_10
ICC ATM 4
020 3050715000 WITHDRAWAL MSI_104
0 01 1 0 ONLINE PIN 01 05 1 V CIR_104 00
ATM withdrawal financial authorization request and response with EMV issuer
script to update the balance in the card after a card-not-present rePower
1 Load Payment transaction. Financial Transaction request meets the contact
M/Chip-specific general acceptance criteria.
DE 55, tag 9F10 (Issuer Application Data) includes Accumulator 1 as balance
DE 55 contains other applicable ICC data
0210: DE 55 contains Issuer Authentication Data (tag 91) and Issuer Script
Template 1 (tag 71) for offline balance update

ICC ATM MCC_10

BALANCE 4
020 3050715000 INQUIRY MSI_104
0 02 1 0 ONLINE PIN 30 05 1 V CIR_104 00
ATM balance inquiry financial transaction request and response with EMV
issuer script to update the balance in the card after a card-not-present
2 rePower Load Payment transaction. Financial Transaction request meets the
contact M/Chip-specific general acceptance criteria.
DE 55, tag 9F10 (Issuer Application Data) includes Accumulator 1 as balance
DE 55 contains other applicable ICC data
0210: DE 55 contains Issuer Authentication Data (tag 91) and Issuer Script
Template 1 (tag 71) for offline balance update

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 767
 Single Message Authorization
Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital Secure Remote
Payment—Financial Transaction Requests

Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital

Secure Remote Payment—Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message online
application can send correctly formatted remote payments initiated from Mobile
contactless application of mobile device in Financial Transaction Requests and
process the resulting Financial Transaction Responses.

Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital

Secure Remote Payment—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
ELECTRONIC
COMMERCE
020 3050811000 PURCHASE NO
0 03 1 N/A CVM 00 09 6 MSI_406 05
M/Chip remote transaction on premises of card acceptor facility from issuer
cardholder participating in Mastercard Digital Enablement Service. Issuer
response information indicates ATC outside allowed range.
0200: DE 4 = 000000005633 to trigger DE 48, SE 33 and DE 56 in 0210
message.
0200: DE 18 must contain 0780 to trigger DE 39 = 05 and DE 48, SE 74 = 50A
in 0210 message.
1 0200: DE 23 (Card Sequence Number) and DE 55 ICC System-Related Data)
are all present
0200: DE 61, SF 3 (POS Terminal Location) = 4 (On premises of card acceptor
facility [cardholder terminal including home PC, mobile phone, PDA]).
0200: DE 61, SF 4 (POS Cardholder Presence) = 5 (Electronic order (home PC,
Internet, mobile phone, PDA)
0210: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN); SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0210: DE 48, SE 74 = 50A (Valid AC; ATC outside allowed range).
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 768
 Single Message Authorization
Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital Secure Remote
Payment—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
ELECTRONIC
COMMERCE
020 3050811000 PURCHASE NO
0 04 1 N/A CVM 00 09 6 MSI_406 05
M/Chip remote transaction off premises of card acceptor facility from issuer
cardholder participating in Mastercard Digital Enablement Service. Issuer
response information indicates ATC replayed.
0200: DE 4 = 000000005633 to trigger DE 48, SE 33 and DE 56 in 0210
message.
0200: DE 18 must contain 1520 to trigger DE 39 = 05 and DE 48, SE 74 = 50E
in 0210 message.
2 0200: DE 23 (Card Sequence Number) and DE 55 ICC System-Related Data)
are all present
0200: DE 61, SF 3 (POS Terminal Location) = 2 (Off premises of card acceptor
facility (cardholder terminal including home PC, mobile phone, PDA).
0200: DE 61, SF 4 (POS Cardholder Presence) = 5 (Electronic order (home PC,
Internet, mobile phone, PDA))
0210: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN); SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0210: DE 48, SE 74 = 50E (Valid AC; ATC Replay).
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 769
 Single Message Authorization
Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital Secure Remote
Payment—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
ELECTRONIC
COMMERCE
020 3050811000 PURCHASE NO
0 05 1 N/A CVM 00 09 6 MSI_420 00
Purchase with device token via M/Chip remote transaction on premises of
card acceptor facility from issuer cardholder participating in Mastercard
Digital Enablement Service.
0200: DE 4 = 000000005633 to trigger DE 48, SE 33 and DE 56 in 0210
message.
0200: DE 23 (Card Sequence Number) and DE 55 ICC System-Related Data)
are all present
3
0200: DE 61, SF 3 (POS Terminal Location) = 4 (On premises of card acceptor
facility [cardholder terminal including home PC, mobile phone, PDA]).
0200: DE 61, SF 4 (POS Cardholder Presence) = 5 (Electronic order (home PC,
Internet, mobile phone, PDA)
0200: DE 48, SE 33, SF 6 (Token Requestor ID) optionally provided from
merchant.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN); SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

©2002–2021 Mastercard. Proprietary. All rights reserved.

Acquirer Credit and Debit— - Test Cases • 11 February 2021 770
 Single Message Authorization
Table 3050811—Acquirer Credit and Debit—ICC Product and Services—Digital Secure Remote
Payment—Financial Transaction Requests

DE DE
Cas
Test Case MT Business DE 22_ 61_ DE R
e ID
MTI Ref No SIM F Transaction 3_1 1 10 52 Card Id C
ICC
ELECTRONIC
COMMERCE
020 3050811000 PURCHASE NO
0 06 1 N/A CVM 00 09 6 MSI_420 00
Purchase with device token via M/Chip remote transaction off premises of
card acceptor facility from issuer cardholder participating in Mastercard
Digital Enablement Service.
0200: DE 4 = 000000005633 to trigger DE 48, SE 33 and DE 56 in 0210
message.
0200: DE 23 (Card Sequence Number) and DE 55 ICC System-Related Data)
are all present
4
0200: DE 61, SF 3 (POS Terminal Location) = 2 (Off premises of card acceptor
facility [cardholder terminal including home PC, mobile phone, PDA]).
0200: DE 61, SF 4 (POS Cardholder Presence) = 5 (Electronic order (home PC,
Internet, mobile phone, PDA)
0200: DE 48, SE 33, SF 6 (Token Requestor ID) optionally provided from
merchant.
0210: DE 48, SE 33, SF 1 = M (Primary Account Number); SF 2 (PAN); SF 3
(PAN expiry date); SF 5 (Token Assurance Level); SF 6 (Token Requestor ID) if
applicable; and SF 8 (Storage Technology) if applicable.
0210: DE 56 (Payment Account Data) is provided either by Mastercard as BIN
Controller or optionally by Issuer as BIN Controller.

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Acquirer Credit and Debit— - Test Cases • 11 February 2021 771