Acquirer POS Credit and Debit

Acquirer POS Credit and Debit
—Test Cases
9 August 2018
XX4c
Summary of Changes, 9 August 2018
Summary of Changes, 9 August 2018

This document reflects changes since the 15 February 2018 publication.
Description of Change Where to look
Removed Table 0601101—Acquirer POS Credit and Debit—MSR

Product and Services—Recurring Payments—Authorization Requests
Removed Table 0653555—Acquirer POS Credit and Debit—ICC

Product and Services—Masterpass QR Funding Transactions—
Authorization Requests
Added Table 3102401—Acquirer POS Credit and Debit—MSR Product Table 3102401—Acquirer POS Credit and Debit—MSR Product and
and Services—Automated Fuel Dispenser—Financial Transaction Services—Automated Fuel Dispenser—Financial Transaction Requests,
Requests, Reversals and Advices Reversals and Advices
Removed Table 3153555—Acquirer POS Credit and Debit—ICC

Product and Services—Masterpass QR Funding Transactions—Financial
Transaction Requests
©2002–2018 Mastercard. Proprietary. All rights reserved.

Acquirer POS Credit and Debit——Test Cases • 9 August 2018 2
Contents
Contents
Summary of Changes, 9 August 2018.......................................................................................................................... 2
Chapter 1: Dual Message Authorization—Acquirer POS Credit and Debit............................................. 14

Introduction................................................................................................................................................................................ 19
Test Case Table Notations—Dual Message Authorization........................................................................................................ 20
Test Cases—Magnetic Stripe-based Operations........................................................................................................................... 21
Base Testing........................................................................................................................................................................... 21
Table 0600001—Acquirer POS Credit and Debit—MSR Base—All Business Transactions—Authorization Requests,
Advices and Reversals........................................................................................................................................................ 21
Table 0600003—Acquirer POS Credit and Debit—MSR Base—POS Data Conditions—Authorization Requests................... 29
Table 0600004—Acquirer POS Credit and Debit—MSR Base—Selected Response Codes—Authorization Requests.............33
Table 0600050—Acquirer POS Credit and Debit—MSR Base—Service Provider and Merchant Identification—
Authorization Requests...................................................................................................................................................... 37
Table 0600125—Acquirer POS Credit and Debit—MSR Base—Transaction Integrity Classification —Authorization
Requests............................................................................................................................................................................ 38
Table 0600594—Acquirer POS Credit and Debit—MSR Base—Payment Account Reference (PAR)—Authorization
Requests, Advices, Reversals...............................................................................................................................................39
Products and Services............................................................................................................................................................. 45
Table 0600042—Acquirer POS Credit and Debit—MSR Product and Services—Dynamic Currency Conversion—
Authorization Requests and Reversal..................................................................................................................................45
Table 0600401—Acquirer POS Credit and Debit—MSR Product and Services—POS Balance Inquiry and POS Balance
Return—Authorization Requests........................................................................................................................................ 48
Table 0600501—Acquirer POS Credit and Debit—MSR Product and Services—Fleet Cards—Authorization Requests.......... 49
Table 0600601—Acquirer POS Credit and Debit—MSR Product and Services—Mastercard Electronic—Authorization
Requests............................................................................................................................................................................ 51
Table 0600701—Acquirer POS Credit and Debit—MSR Product and Services—Acquirer Private Data—Authorization
Requests............................................................................................................................................................................ 52

Contents
Table 0600702—Acquirer POS Credit and Debit—MSR Product and Services—Member-defined Data—Authorization
Requests............................................................................................................................................................................ 53
Table 0600801—Acquirer POS Credit and Debit—MSR Product and Services—Payment Transactions—Authorization
Requests............................................................................................................................................................................ 54
Table 0600802—Acquirer POS Credit and Debit—MSR Product and Services—Mastercard MoneySend Funding
Transactions—Authorization and Reversal Requests........................................................................................................... 55
Table 0600851—Acquirer POS Credit and Debit—MSR Product and Services—Mastercard rePower Load Value Payment
Transaction—Authorization Requests and Reversals........................................................................................................... 56
Table 0600901—Acquirer POS Credit and Debit—MSR Product and Services—Cuotas Payment Transactions (Argentina)
—Authorization Requests.................................................................................................................................................. 58
Table 0600902—Acquirer POS Credit and Debit—MSR Product and Services—Cuotas Payment Transactions (Uruguay)
Table 0600903—Acquirer POS Credit and Debit—MSR Product and Services—Cuotas Payment Transactions (Peru)—
Table 0600905—Acquirer POS Credit and Debit—MSR Product and Services—Parcelas Payment Transactions (Brazil)—
Table 0600906—Acquirer POS Credit and Debit—MSR Product and Services—Installment Payment Service (Greece)—
Table 0600907—Acquirer POS Credit and Debit—MSR Product and Services—Cuotas Payment Transactions (Paraguay)
Table 0600908—Acquirer POS Credit and Debit—MSR Product and Services—Installment Payments Service (Philippines)
—Authorization and Reversal Requests.............................................................................................................................. 68
Table 0600910—Acquirer POS Credit and Debit—MSR Product and Services—Installment Payment Processing (Global)
—Authorization Requests and Advices............................................................................................................................... 69
Table 0600911—Acquirer POS Credit and Debit—MSR Product and Services—Intracountry POS Cash Back Transactions
Table 0600915—Acquirer POS Credit and Debit—MSR Product and Services—Japan Domestic POS Transactions DE 112
—Authorization Requests and Reversals.............................................................................................................................78
Table 0600920—Acquirer POS Credit and Debit—MSR Product and Services—Terminal Compliance Indicator for
Transactions acquired in India.............................................................................................................................................84

Contents
Table 0600950—Acquirer POS Credit and Debit—MSR Product and Services—Colombia Domestic Processing—
Authorization Requests, Advice, and Reversal.....................................................................................................................84
Table 0600960—Acquirer POS Credit and Debit—MSR Product and Services—Chile Domestic Processing—
Table 0600961—Acquirer POS Credit and Debit—MSR Product and Services—Chile Domestic Processing—
Authorization Requests.................................................................................................................................................... 113
Table 0601001—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Advice Code—Authorization
Requests.......................................................................................................................................................................... 119
Table 0601201—Acquirer POS Credit and Debit—MSR Product and Services—Partial Approval—Authorization Requests.120
Table 0601301—Acquirer POS Credit and Debit—MSR Product and Services—PIN for Purchase—Authorization
Requests.......................................................................................................................................................................... 121
Table 0601501—Acquirer POS Credit and Debit—MSR Product and Services—Contactless Magnetic Stripe (All Business
Transactions)—Authorization Requests.............................................................................................................................123
Table 0601502—Acquirer POS Credit and Debit—MSR Product and Services—Contactless Magnetic Stripe (Technical
Conditions)—Authorization Requests...............................................................................................................................126
Table 0601503—Acquirer POS Credit and Debit—MSR Product and Services—Contactless Magnetic Stripe Mobile
(Technical Conditions)-Authorization Requests................................................................................................................. 130
Table 0601510—Acquirer POS Credit and Debit—MSR Product and Services—Device Token Purchase—Authorization
Requests.......................................................................................................................................................................... 135
Table 0601601—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (U.S.
Region)—Authorization Requests.....................................................................................................................................136
Table 0601602—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (Canada
Table 0601603—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (Europe
Table 0601604—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (Asia Pacific
Table 0601901—Acquirer POS Credit and Debit—MSR Product and Services—Real-time Substantiation (U.S. Region)—
Authorization and Reversal Requests................................................................................................................................146
Table 0601904—Acquirer POS Credit and Debit—MSR Product and Services—MoneySend Cash2Card in Poland—

Contents
Table 0602001—Acquirer POS Credit and Debit—MSR Product and Services—Sweden Domestic Authorization
Switching Service—Authorization Requests......................................................................................................................150
Table 0602103—Acquirer POS Credit and Debit—MSR Product and Services—Activation of Private Label Prepaid Cards
—Authorization Requests and Reversals...........................................................................................................................151
Table 0602201—Acquirer POS Credit and Debit—MSR Product and Services—DE 28 Transaction Fee—Authorization
Requests, Advices and Reversals.......................................................................................................................................153
Table 0602305—Acquirer POS Credit and Debit—MSR Product and Services—Maestro Parking and Tollway
Transactions—Authorization Requests..............................................................................................................................154
Table 0602401—Acquirer POS Credit and Debit—MSR Product and Services—Automated Fuel Dispenser—
Authorization Requests, Advices, and Reversal................................................................................................................. 155
Table 0602601—Acquirer POS Credit and Debit—MSR Product and Services—Poland Cardholder Authentication—
Authorization Request..................................................................................................................................................... 163
Table 0603001—Acquirer POS Credit and Debit—MSR Product and Services—Transit Program Transactions—
Authorization Requests, Advices, and Reversals................................................................................................................165
Table 0603101—Acquirer POS Credit and Debit—MSR Product and Services—Debit Mastercard Merchant Acceptance
in Canada—Authorization Requests.................................................................................................................................170
Table 0603555—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Presented QR Funding
Transactions—Authorization Requests..............................................................................................................................172
Table 0604900—Acquirer POS Credit and Debit—MSR Product and Services—Visa Card Transactions—Authorization
and Reversal Requests......................................................................................................................................................174
Table 0605000—Acquirer POS Credit and Debit—MSR Product and Services—Receipt Free Text (Peru)—Authorization
Requests.......................................................................................................................................................................... 180
Table 0605101—Acquirer POS Credit and Debit—MSR Product and Services—Private Label Non-Financial Service—
Test Cases—ICC-based Operations............................................................................................................................................ 181
Base Testing......................................................................................................................................................................... 182
Authorization Chip-specific General Acceptance Criteria.................................................................................................. 182
Reversal Chip-specific General Acceptance Criteria...........................................................................................................183
Table 0650001—Acquirer POS Credit and Debit—ICC Base—All Business Transactions—Authorization Requests and
Reversals..........................................................................................................................................................................183
Table 0650002—Acquirer POS Credit and Debit—ICC Base—Technical Conditions—Authorization Requests................... 188

Contents
Products and Services........................................................................................................................................................... 189

Table 0650101—Acquirer POS Credit and Debit—ICC Product and Services—POS Balance Inquiry—Authorization
Requests.......................................................................................................................................................................... 189
Mastercard Contactless M/Chip-specific General Acceptance Criteria....................................................................................190
Table 0650103—Acquirer POS Credit and Debit—ICC Product and Services—Contactless M/Chip (All Business
Transactions)—Authorization and Reversal Requests........................................................................................................ 191
Table 0650104—Acquirer POS Credit and Debit—ICC Product and Services—Contactless M/Chip (Technical Conditions)
—Authorization Requests, Reversals and Advices............................................................................................................. 193
Table 0650151—Acquirer POS Credit and Debit—ICC Product and Services—Transit Program Transactions—
Table 0650310—Acquirer POS Credit and Debit—ICC Product and Services—Device Token Purchase—Authorization
Requests.......................................................................................................................................................................... 204
Table 0651702—Acquirer POS Credit and Debit—ICC Product and Services—Cardholder Authentication Service—
Authorization Requests and Advices.................................................................................................................................205
Table 0652301—Acquirer POS Credit and Debit—ICC Product and Services—Maestro Parking and Tollway Transactions
—Authorization Requests................................................................................................................................................ 208
Table 0652401—Acquirer POS Credit and Debit—ICC Product and Services—Automated Fuel Dispenser—
Authorization Requests, Advices and Reversals.................................................................................................................210
Chapter 2: Dual Message Clearing—Acquirer POS Credit and Debit....................................................... 223

Introduction.............................................................................................................................................................................. 226
Test Case Table Notations—Dual Message Clearing...............................................................................................................227
Test Cases—Magnetic Stripe-based Operations......................................................................................................................... 228
Customer-generated File...................................................................................................................................................... 228
Base Testing......................................................................................................................................................................... 228
Table 1610001—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—All Business Transactions.......... 228
Table 1610002—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Global Brand Compliance........ 235
Table 1610005—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Financial Detail Addendum...... 236
Table 1613101—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Service Provider and Merchant
Identification....................................................................................................................................................................245

Contents

Table 1610101—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Regional
Specific Interchange.........................................................................................................................................................248
Table 1610125—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Transaction
Integrity Class.................................................................................................................................................................. 250
Table 1610301—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Fleet Cards...... 252
Table 1610401—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Contactless
Magnetic Stripe............................................................................................................................................................... 253
Table 1610501—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Private Label
Processing........................................................................................................................................................................254
Table 1610505—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Japan
Domestic POS Transactions PDS 0195.............................................................................................................................. 256
Table 1610580—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Colombia
Domestic Processing........................................................................................................................................................ 257
Table 1610601—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Account Level
Management (U.S. and Canada Regions)......................................................................................................................... 262
Management (Europe)..................................................................................................................................................... 265
Management (A/P Region)............................................................................................................................................... 266
Card Activation Plus Initial Load....................................................................................................................................... 268
Table 1610960—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Chile
Management (Affluent Spend Shortfall U.S. Region)........................................................................................................ 275
Table 1612101—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Installment
Payments Processing (Philippines Credit).......................................................................................................................... 278
and Non-installment Payment Transactions (Brazil)........................................................................................................... 282

Contents
Payment Processing (Global)............................................................................................................................................ 283
Table 1612201—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Dynamic
Currency Conversion........................................................................................................................................................284
Table 1612301—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Mastercard
rePower Load Value Payment Transaction.........................................................................................................................285
Table 1613001—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—MSR
Contactless Transit Aggregated Transactions.................................................................................................................... 286
Table 1613102—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Multi-Clearing.287
File Generated by Mastercard............................................................................................................................................... 288
Base Testing......................................................................................................................................................................... 289
Table 1620001—Acquirer POS Credit and Debit—MSR Base—File Generated by Mastercard—All Business Transactions...289
Table 1620601—Acquirer POS Credit and Debit—MSR Base—File Generated by Mastercard—Mastercard Digital
Enablement Service (Device Tokens)................................................................................................................................. 292
Table 1620002—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—Fraud
Notification Service.......................................................................................................................................................... 293
Table 1620125—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—
Transaction Integrity Class................................................................................................................................................295
Table 1620501—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—EU
Interchange Fee Regulation..............................................................................................................................................298
Table 1620960—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—Chile
Customer-generated File...................................................................................................................................................... 300
Base Testing......................................................................................................................................................................... 300
Table 1630001—Acquirer POS Credit and Debit—ICC Base—Customer-generated File—All Business Transactions........... 301
Table 1630301—Acquirer POS Credit and Debit—ICC Product and Services—Customer-generated File—Contactless M/
Chip................................................................................................................................................................................ 304

Contents
Table 1633001—Acquirer POS Credit and Debit—ICC Product and Services—Customer-generated File—ICC
Contactless Transit Aggregated Transactions.................................................................................................................... 305
File Generated by Mastercard............................................................................................................................................... 306
Table 1640001—Acquirer POS Credit and Debit—ICC Product and Services—File Generated by Mastercard—All
Business Transactions....................................................................................................................................................... 306
Chapter 3: Dual Message Integrated Authorization and Clearing—Acquirer POS Credit and
Debit..........................................................................................................................................................................................308
Introduction.............................................................................................................................................................................. 309
Test Case Table Notations—Integrated Authorization and Clearing....................................................................................... 309
Test Cases—Acquirer POS Credit and Debit............................................................................................................................... 310
Table 2550001—Acquirer POS Credit and Debit—Base Testing............................................................................................. 311
Message Flows—Acquirer POS Credit and Debit—Mandatory Business Transactions..................................................................312
Table 2550201—Test Procedures—Mandatory Business Transactions.................................................................................... 314
Chapter 4: Single Message Financial and Exception—Acquirer POS Credit and Debit................... 317
Introduction.............................................................................................................................................................................. 320
Table Notations—Single Message Financial, Exception and Reporting....................................................................................320
Test Cases—Magnetic Stripe-based Operations......................................................................................................................... 321
Base Testing......................................................................................................................................................................... 321
Table 3100001—Acquirer POS Credit and Debit—MSR Base—Day One Transactions—Financial Transaction Requests,
Advices and Reversals...................................................................................................................................................... 322
Table 3100002—Acquirer POS Credit and Debit—MSR Base—Day Two Transactions—Financial Transaction Requests,
Advices and Reversals...................................................................................................................................................... 328
Table 3100050—Acquirer POS Credit and Debit—MSR Base—Service Provider and Merchant Identification—Financial
Transaction Requests........................................................................................................................................................331
Table 3100594—Acquirer POS Credit and Debit—MSR Base—Payment Account Reference (PAR)—Financial Transaction
Requests, Advices, Reversals.............................................................................................................................................332

Contents

Table 3100041—Acquirer POS Credit and Debit—MSR Product and Services—Dynamic Currency Conversion—Financial
Transaction Request......................................................................................................................................................... 338
Table 3100401—Acquirer POS Credit and Debit—MSR Product and Services—Partial Approval Processing—Financial
Transaction Requests and Reversals.................................................................................................................................. 339
Table 3100501—Acquirer POS Credit and Debit—MSR Product and Services—Payment Transactions—Financial
Table 3100701—Acquirer POS Credit and Debit—MSR Product and Services—Online Exception Item Processing—
Financial Transaction Requests and Reversals.................................................................................................................... 342
Table 3100901—Acquirer POS Credit and Debit—MSR Product and Services—Enhanced Issuer Identification—Financial
Transaction Requests, Advices and Reversals.................................................................................................................... 345
transactions acquired in India—Financial Transaction Requests......................................................................................... 347
Table 3100922—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Tax ID for Brazil Acquired
Activity—Financial Transaction Requests...........................................................................................................................347
Financial Transaction Requests and Reversal..................................................................................................................... 348
Table 3100960—Acquirer POS Credit and Debit—MSR Product and Services—Chile Domestic Processing—Financial
Transactions)—Financial Transaction Requests.................................................................................................................. 358
Conditions)—Financial Transaction Requests and Reversal................................................................................................ 360
Table 3101101—Acquirer POS Credit and Debit—MSR Product and Services—MoneySend Funding Transactions—
Financial Requests and Reversals...................................................................................................................................... 365
Transaction—Financial Transaction Requests and Reversals............................................................................................... 366
Table 3101911—Acquirer POS Credit and Debit—MSR Product and Services—Intracountry POS Cash Back Transactions
—Financial Transaction Requests...................................................................................................................................... 368
Table 3102401—Acquirer POS Credit and Debit—MSR Product and Services—Automated Fuel Dispenser—Financial
Transaction Requests, Reversals and Advices.................................................................................................................... 369

Contents
Table 3102601—Acquirer POS Credit and Debit—MSR Product and Services—Account Status Inquiry Service—Financial
Table 3102701—Acquirer POS Credit and Debit—MSR Product and Services—India Unique Identification—Financial
Table 3103001—Acquirer POS Credit and Debit—MSR Product and Services—Transit Program Transactions—Financial
Transaction Requests and Reversals.................................................................................................................................. 380
Table 3103101—Acquirer POS Credit and Debit—MSR Product and Services—Fraud Notification Service—Financial
Transaction Requests, Advices and Reversals.................................................................................................................... 381
Transactions—Financial Transaction Requests................................................................................................................... 383
Table 3104900—Acquirer POS Credit and Debit—MSR Product and Services—Maestro Switching of Visa Tokenized
Transactions—Financial Transaction Requests, Advices, Reversals......................................................................................385
Base Testing......................................................................................................................................................................... 388
Table 3150001—Acquirer POS Credit and Debit—ICC Base—All Business Transactions—Financial Transaction Requests...388
Table 3150002—Acquirer POS Credit and Debit—ICC Base—Technical Conditions—Financial Transaction Requests......... 390
Table 3150594—Acquirer POS Credit and Debit—ICC Base—Payment Account Reference (PAR)—Financial Transaction
Requests.......................................................................................................................................................................... 392
Maestro Contactless M/Chip-specific General Acceptance Criteria........................................................................................ 394
Transactions)—Financial Transaction Requests.................................................................................................................. 394
Table 3150102—Acquirer POS Credit and Debit—ICC Product and Services—Contactless M/Chip (Technical Conditions)
—Financial Transaction Requests...................................................................................................................................... 395
Table 3150104—Acquirer POS Credit and Debit—ICC Product and Services—Maestro Contactless M/Chip (Over CVM
Required Limit)—Financial Transaction Requests............................................................................................................... 397
Table 3150151—Acquirer POS Credit and Debit—ICC Product and Services—Transit Program Transactions—Financial
Table 3150310—Acquirer POS Credit and Debit—ICC Product and Services—Device Token Purchase—Financial

Contents
Financial Transaction Requests and Advices...................................................................................................................... 401
Table 3152401—Acquirer POS Credit and Debit—ICC Product and Services—Automated Fuel Dispenser—Financial
Transaction Requests, Reversals and Advices.................................................................................................................... 404
Notices..................................................................................................................................................................................... 414

Dual Message Authorization—Acquirer POS Credit and Debit
Chapter 1 Dual Message Authorization—Acquirer POS Credit and Debit

This chapter describes the test cases for conducting individual application testing and validation of a customer’s Dual Message
authorization application.
Introduction.............................................................................................................................................................................................19
Test Case Table Notations—Dual Message Authorization..................................................................................................................... 20
Test Cases—Magnetic Stripe-based Operations........................................................................................................................................ 21
Base Testing........................................................................................................................................................................................ 21
Table 0600001—Acquirer POS Credit and Debit—MSR Base—All Business Transactions—Authorization Requests, Advices and
Reversals........................................................................................................................................................................................ 21
Table 0600003—Acquirer POS Credit and Debit—MSR Base—POS Data Conditions—Authorization Requests................................ 29
Table 0600004—Acquirer POS Credit and Debit—MSR Base—Selected Response Codes—Authorization Requests......................... 33
Table 0600050—Acquirer POS Credit and Debit—MSR Base—Service Provider and Merchant Identification—Authorization
Requests.........................................................................................................................................................................................37
Table 0600125—Acquirer POS Credit and Debit—MSR Base—Transaction Integrity Classification —Authorization Requests........... 38
Table 0600594—Acquirer POS Credit and Debit—MSR Base—Payment Account Reference (PAR)—Authorization Requests,
Advices, Reversals........................................................................................................................................................................... 39
Products and Services.......................................................................................................................................................................... 45
Table 0600042—Acquirer POS Credit and Debit—MSR Product and Services—Dynamic Currency Conversion—Authorization
Requests and Reversal.................................................................................................................................................................... 45
Table 0600401—Acquirer POS Credit and Debit—MSR Product and Services—POS Balance Inquiry and POS Balance Return—
Authorization Requests...................................................................................................................................................................48
Table 0600501—Acquirer POS Credit and Debit—MSR Product and Services—Fleet Cards—Authorization Requests.......................49
Table 0600601—Acquirer POS Credit and Debit—MSR Product and Services—Mastercard Electronic—Authorization Requests.......51
Table 0600701—Acquirer POS Credit and Debit—MSR Product and Services—Acquirer Private Data—Authorization Requests....... 52
Table 0600702—Acquirer POS Credit and Debit—MSR Product and Services—Member-defined Data—Authorization Requests......53

Table 0600801—Acquirer POS Credit and Debit—MSR Product and Services—Payment Transactions—Authorization Requests.......54
Table 0600802—Acquirer POS Credit and Debit—MSR Product and Services—Mastercard MoneySend Funding Transactions—
Authorization and Reversal Requests.............................................................................................................................................. 55
Transaction—Authorization Requests and Reversals........................................................................................................................ 56
Table 0600901—Acquirer POS Credit and Debit—MSR Product and Services—Cuotas Payment Transactions (Argentina)—
Table 0600902—Acquirer POS Credit and Debit—MSR Product and Services—Cuotas Payment Transactions (Uruguay)—
Table 0600907—Acquirer POS Credit and Debit—MSR Product and Services—Cuotas Payment Transactions (Paraguay)—
Table 0600908—Acquirer POS Credit and Debit—MSR Product and Services—Installment Payments Service (Philippines)—
Authorization and Reversal Requests.............................................................................................................................................. 68
Table 0600910—Acquirer POS Credit and Debit—MSR Product and Services—Installment Payment Processing (Global)—
Authorization Requests and Advices............................................................................................................................................... 69
Table 0600911—Acquirer POS Credit and Debit—MSR Product and Services—Intracountry POS Cash Back Transactions—
Table 0600915—Acquirer POS Credit and Debit—MSR Product and Services—Japan Domestic POS Transactions DE 112—
Authorization Requests and Reversals............................................................................................................................................. 78
Table 0600920—Acquirer POS Credit and Debit—MSR Product and Services—Terminal Compliance Indicator for Transactions
acquired in India............................................................................................................................................................................. 84
Table 0600950—Acquirer POS Credit and Debit—MSR Product and Services—Colombia Domestic Processing—Authorization
Requests, Advice, and Reversal....................................................................................................................................................... 84

Table 0600960—Acquirer POS Credit and Debit—MSR Product and Services—Chile Domestic Processing—Authorization
Requests.........................................................................................................................................................................................89
Requests.......................................................................................................................................................................................113
Table 0601001—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Advice Code—Authorization Requests.. 119
Table 0601201—Acquirer POS Credit and Debit—MSR Product and Services—Partial Approval—Authorization Requests............. 120
Table 0601301—Acquirer POS Credit and Debit—MSR Product and Services—PIN for Purchase—Authorization Requests.............121
Transactions)—Authorization Requests......................................................................................................................................... 123
Conditions)—Authorization Requests........................................................................................................................................... 126
Table 0601503—Acquirer POS Credit and Debit—MSR Product and Services—Contactless Magnetic Stripe Mobile (Technical
Conditions)-Authorization Requests.............................................................................................................................................. 130
Table 0601510—Acquirer POS Credit and Debit—MSR Product and Services—Device Token Purchase—Authorization Requests... 135
Table 0601601—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (U.S. Region)—
Authorization Requests.................................................................................................................................................................136
Table 0601602—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (Canada Region)—
Table 0601603—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (Europe Region)—
Table 0601604—Acquirer POS Credit and Debit—MSR Product and Services—Account Level Management (Asia Pacific Region)
—Authorization Requests............................................................................................................................................................. 145
Authorization and Reversal Requests............................................................................................................................................ 146
Table 0601904—Acquirer POS Credit and Debit—MSR Product and Services—MoneySend Cash2Card in Poland—Authorization
Requests.......................................................................................................................................................................................150
Table 0602001—Acquirer POS Credit and Debit—MSR Product and Services—Sweden Domestic Authorization Switching
Service—Authorization Requests.................................................................................................................................................. 150

Table 0602103—Acquirer POS Credit and Debit—MSR Product and Services—Activation of Private Label Prepaid Cards—
Authorization Requests and Reversals........................................................................................................................................... 151
Table 0602201—Acquirer POS Credit and Debit—MSR Product and Services—DE 28 Transaction Fee—Authorization Requests,
Advices and Reversals................................................................................................................................................................... 153
Table 0602305—Acquirer POS Credit and Debit—MSR Product and Services—Maestro Parking and Tollway Transactions—
Table 0602401—Acquirer POS Credit and Debit—MSR Product and Services—Automated Fuel Dispenser—Authorization
Requests, Advices, and Reversal.................................................................................................................................................... 155
Authorization Request.................................................................................................................................................................. 163
Table 0603001—Acquirer POS Credit and Debit—MSR Product and Services—Transit Program Transactions—Authorization
Requests, Advices, and Reversals.................................................................................................................................................. 165
Table 0603101—Acquirer POS Credit and Debit—MSR Product and Services—Debit Mastercard Merchant Acceptance in
Canada—Authorization Requests................................................................................................................................................. 170
Table 0603555—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Presented QR Funding Transactions—
Table 0604900—Acquirer POS Credit and Debit—MSR Product and Services—Visa Card Transactions—Authorization and
Reversal Requests......................................................................................................................................................................... 174
Table 0605000—Acquirer POS Credit and Debit—MSR Product and Services—Receipt Free Text (Peru)—Authorization Requests.. 180
Test Cases—ICC-based Operations.........................................................................................................................................................181
Base Testing...................................................................................................................................................................................... 182
Authorization Chip-specific General Acceptance Criteria...............................................................................................................182
Reversal Chip-specific General Acceptance Criteria....................................................................................................................... 183
Table 0650001—Acquirer POS Credit and Debit—ICC Base—All Business Transactions—Authorization Requests and Reversals.... 183
Table 0650002—Acquirer POS Credit and Debit—ICC Base—Technical Conditions—Authorization Requests................................ 188
Products and Services........................................................................................................................................................................ 189
Table 0650101—Acquirer POS Credit and Debit—ICC Product and Services—POS Balance Inquiry—Authorization Requests.........189

Mastercard Contactless M/Chip-specific General Acceptance Criteria................................................................................................ 190

Table 0650103—Acquirer POS Credit and Debit—ICC Product and Services—Contactless M/Chip (All Business Transactions)—
Authorization and Reversal Requests............................................................................................................................................ 191
Table 0650104—Acquirer POS Credit and Debit—ICC Product and Services—Contactless M/Chip (Technical Conditions)—
Authorization Requests, Reversals and Advices............................................................................................................................. 193
Table 0650151—Acquirer POS Credit and Debit—ICC Product and Services—Transit Program Transactions—Authorization
Requests.......................................................................................................................................................................................197
Table 0650310—Acquirer POS Credit and Debit—ICC Product and Services—Device Token Purchase—Authorization Requests.... 204
Table 0651702—Acquirer POS Credit and Debit—ICC Product and Services—Cardholder Authentication Service—Authorization
Requests and Advices................................................................................................................................................................... 205
Table 0652301—Acquirer POS Credit and Debit—ICC Product and Services—Maestro Parking and Tollway Transactions—
Table 0652401—Acquirer POS Credit and Debit—ICC Product and Services—Automated Fuel Dispenser—Authorization
Requests, Advices and Reversals................................................................................................................................................... 210

Introduction
Introduction
This chapter contains details about the test cases applicable to the Acquirer POS 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 customers’ proposed operations, test cases must be selected as follows:
• For customers undergoing testing and validation for magnetic stripe-based operations, only those test cases described in the Test
Cases—Magnetic Stripe-based Operations section need 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:
• For customers undergoing testing and validation for contact operations, only those test cases described for contact operations
need be conducted.
• 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 need 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 have previously been
validated for upgrade to standard ICC-based operations.

Introduction
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
Test Case Table Notations—Dual Message Authorization

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.
IV Where it appears in a DE 52 column in an Authorization table, indicates an Invalid PIN value.
b Indicates a blank space when used in DE 48, subelement 71 fourth 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 Authorization table, indicates a 1 character
(Single asterisk) field of customer choice.

Test Cases—Magnetic Stripe-based Operations
Notation Definition
** Where it appears in a DE column of a Dual Message or Single Message Authorization table, indicates a 2 character
(Double asterisk) field of customer choice.
Where it appears in a SIM or MTF column of a Dual Message or Single Message Authorization table, indicates
1
testing is recommended for that environment.
Where it appears in a SIM or MTF column of a Dual Message or Single Message Authorization table, indicates
0
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.

The test cases listed in this section are applicable to magnetic stripe-based operations only. Both standard magnetic stripe-based
operations and contactless magnetic stripe-based operations are addressed. Select the appropriate business transactions from these
tables and conduct the associated test cases.
Base Testing
This section provides business transactions for the following test cases.
Table 0600001—Acquirer POS Credit and Debit—MSR Base—All Business Transactions—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 for different 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.

NOTE: Refer the Transaction Processing Rules manual regarding where Mastercard brand may be used for Purchase with Cash Back
transactions.
Table 0600001—Acquirer POS Credit and Debit—MSR Base—All Business Transactions—Authorization Requests, Advices
and Reversals
Case DE DE DE
ID MTI Test Case Ref No SIM MTF Business Transaction 3_1 22_1 61_10 DE 52 Card Id RC
MCS_001
DMC_001-005
PVL_101
1 MSR PURCHASE MSI_001-005
0100 060000100001 1 1 SIGNATURE 00 90 0 PVC_101 00
Business transaction format and content.
MSR CASH ADVANCE MCS_001

2 0100 060000100002 1 1 SIGNATURE 17 90 0 DMC_001-005 00
MCS_086
DMC_086
3 MSR PURCHASE ONLINE MSI_001-005
0100 060000100003 1 1 PIN 00 90 0 V PVC_101 00

4 0100 060000100004 1 1 ONLINE PIN 17 90 0 V DMC_086 00

Case DE DE DE
MCS_086
DMC_086
5 MSR CAT LEVEL 1 MSI_001-005
0100 060000100005 1 1 PURCHASE ONLINE PIN 00 90 1 V PVC_101 00
MCS_001
DMC_001-005
PVL_101
6 MSR CAT LEVEL 2 MSI_001-005
0100 060000100006 1 1 PURCHASE NO CVM 00 90 2 PVC_101 00
MCS_001
MSR CAT LEVEL 4 DMC_001-005
7 0100 060000100007 1 1 PURCHASE NO CVM 00 90 4 PVL_101 00
MCS_001
8 0100 060000100008 1 1 PURCHASE NO CVM 00 90 7 PVL_101 00

Case DE DE DE
MSR CAT LEVEL 9 MCS_001

PURCHASE CVM OF DMC_001-005
0100 060000100026 1 1 CUSTOMER CHOICE 00 90 9 * MSI_001-005 00
mPOS device Phone/Tablet +Dongle with PIN Pad

9
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)
MCS_001
DMC_001-005
PVL_101
10 MSR PAYMENT MSI_001-005
0100 060000100009 1 1 TRANSACTION NO CVM 28 90 0 PVC_101 00
MSR PURCHASE WITH MCS_001

CASH BACK CVM OF DMC_086
11 0100 060000100010 1 1 CUSTOMER CHOICE 09 90 0 * MSI_001-005 00
PVL_101
12 0100 060000100012 1 1 MSR REFUND SIGNATURE 20 90 0 PVC_101 00

Case DE DE DE
MCS_179
MSR PURCHASE DMC_051
0100 060000100013 1 N/A SIGNATURE 00 90 0 PVL_279 00
0110: DE 48 = R2903ABC840201
13 To ensure acquirer can receive new unannounced SE 29;
Merchant advice reason SE 84 is also provided to cause DE 48 to be returned to acquirer.
NOTE: This test case may only be executed in simulator due to MTF strips SE 29 prior to sending acquirer
response.
MCS_030
PVL_130
DMC_031
14 MSR PURCHASE MSI_031
0100 060000100014 1 1 SIGNATURE 00 90 0 PVC_130 05
0110: DE 48, SE 87 = Y (Invalid CVC 1)
MCS_001
DMC_001-005
PVL_101
MSR PURCHASE MSI_001-005
15
0100 060000100015 1 1 SIGNATURE OR NO CVM 00 90 0 PVC_101 00
0400 1 1 DE 39 = ** 00
Normal business transaction followed by a full reversal DE 39 (Response Code) of customer choice.

Case DE DE DE
MCS_001
DMC_001-005
PVL_101
16
0400 1 1 DE 39 = 32 00
Normal business transaction followed by a partial reversal.
MCS_001
DMC_001-005
PVL_101
0120 060000100019 1 1 SIGNATURE 00 90 0 PVC_101 00
DE 60, SF 1 = 190 (Acquirer Processing System (APS) Approved)
MCS_001
DMC_001
18 MSR PURCHASE PVL_101
0100 060000100020 1 1 SIGNATURE 00 90 0 MSI_001-005 00
Original authorization request to be followed by an incremental authorization request

Case DE DE DE
MCS_001
DMC_001
MSR PURCHASE PVL_101
0100 060000100021 1 1 SIGNATURE 00 90 0 MSI_001-005 00
19
0400 1 1 DE 39 = 32 00
0100: Incremental authorization request indicated by presence of DE 48, SE 63.

0400: Partial reversal of previously approved original and incremental authorization request.
MSR BUSINESS MCS_001

TRANSACTION OF DMC_001-005
0100 060000100022 1 1 CUSTOMER CHOICE ** ** * * MSI_001-005 00
20
Final Authorization indicated by:
DE 4 amount greater than zero; DE 48, SE 61, SF 5 = 1 (Final authorization); and DE 61, SF 7 = 0 (Normal request)

21
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)

Case DE DE DE

Normal Authorization/Undefined Finality indicated by:

22 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 = 0 (Normal request)
Not permitted (although no system edit) for card acceptors in Europe and Middle East/Africa regions.
Permitted for card acceptors outside those regions but subject to data integrity edit on domestic transactions for exceeding
allowed percentage.
MCS_130
0100 060000100040 1 N/A SIGNATURE OR PIN 00 90 0 * MSI_130 00
Magnetic stripe transaction initiated via token by cardholder whose issuer is participanting in Mastercard Digital Enablement
23 Service was successfully mapped and dynamic CVC 3 was valid.
0100: DE 4 = 000000003300 to obtain appropriate data in response message from simulator.
0110: contains DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN expiry date), SF 4 (Token Assurance
Level), SF 6 (Token Requestor ID) if applicable, and SF 8 (Storage Technology) if applicable.

Case DE DE DE
MCS_131
0100 060000100041 1 N/A SIGNATURE OR PIN 00 90 0 * MSI_131 88
Service was successfully mapped but dynamic CVC 3 was invalid.
24
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 contains PAN, SF 3 contains PAN expiry date, SF 6 (Token
Requestor ID) if applicable, and SF 8 (Storage Technology) if applicable.
0110: DE 48, SE 87 = Y (Invalid CVC 3) and DE 39 = 88 (Cryptographic failure).
0110: DE 56 (Payment Account Data) is provided either by Mastercard as BIN Controller or optionally by Issuer as BIN
Controller.
Table 0600003—Acquirer POS Credit and Debit—MSR Base—POS Data Conditions—Authorization Requests
The terminal entry mode test focuses on POS terminals and the data that is provided to the issuer to indicate conditions that may
impact the issuer's authorization response. Because issuers use these condition indicators to determine how to respond to the
request, it is important that acquirers accurately report the true POS conditions and locations.
Authorization Requests for various combinations of terminal conditions and process the resulting Authorization Response messages.
NOTE: The terminal conditions tested do not represent the full range possible.

Table 0600003—Acquirer POS Credit and Debit—MSR Base—POS Data Conditions—Authorization Requests
Case DE DE DE
MCS_001
PVL_101
1 MSR CAT LEVEL 2 DMC_001-005
0100 060000300001 1 0 PURCHASE NO CVM 00 90 2 MSI_001-005 00
DE 61, SF 1 = 1 (Unattended terminal) and DE 61, SF 6 = 0 (Terminal/operator has no card capture capability)
MCS_001
PVL_101
DMC_001-005
2 MSR PURCHASE CVM OF MSI_001-005
0100 060000300002 1 0 CUSTOMER CHOICE 00 90 0 * PVC_101 00
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 7 = 0 (Normal request/original presentment)
MCS_001
PVL_101
3 MSR PURCHASE CVM OF DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 7 = 4 (Pre-authorized request)
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 8 = 0 (No security concern)

Case DE DE DE
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 8 = (Suspected fraud [merchant suspicious - code 10])
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 8 = 2 (ID verified)
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 11 = 0 (Terminal input unknown/unspecified)
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 11 = 2 (Magnetic stripe reader only)

Case DE DE DE
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 11 = 5 (Chip reader and magnetic stripe reader)
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 11 = 7 (Magnetic stripe reader and key entry)
MCS_001
PVL_101
DMC_001-005
DE 61, SF 1 = 0 (Attended terminal) and DE 61, SF 11 = 8 (Chip reader, magnetic stripe reader and key entry)
MCS_001
PVL_101
DMC_001-005
DE 61, SF 12 = 00 (Number of days for pre-authorization to stay in effect)

Case DE DE DE
MCS_001
PVL_101
DMC_001-005
DE 61, SF 14 (POS Postal Code) to be provided if postal code exists
MCS_001
PVL_101
DMC_001-005
DE 61, SF 4 = 0 (Cardholder present), SF 5 = 0 (Card present), and SF 6 = 1 (Terminal has card capture capability)
Table 0600004—Acquirer POS Credit and Debit—MSR Base—Selected Response Codes—Authorization Requests
The following test cases will test whether an acquirer's Dual Message authorization application can process the decline response
codes most commonly received in Authorization Responses.
NOTE: The response codes tested do not represent the full range possible.

Table 0600004—Acquirer POS Credit and Debit—MSR Base—Selected Response Codes—Authorization Requests
Case DE DE DE
MCS_002
PVL_102
DMC_006
1 MSR PURCHASE CVM OF MSI_006
DE 39 = 01 (Refer to card issuer)
MCS_003
PVL_103
DMC_058
DE 39 = 03 (Invalid merchant)
MCS_004
PVL_104
DMC_007
DE 39 = 04 (Capture card)

Case DE DE DE
MCS_005
PVL_105
DMC_008
DE 39 = 05 (Do not honor)
MSR PURCHASE CVM OF PVL_106

5 0100 060000400005 1 0 CUSTOMER CHOICE 00 90 0 * PVC_106 08
DE 39 = 08 (Honor with ID)
MCS_007
PVL_107
DMC_025
DE 39 = 12 (Invalid transaction)
MCS_009
PVL_109
DMC_024
DE 39 = 14 (Invalid card number)

Case DE DE DE
MCS_011
PVL_111
DMC_059
DE 39 = 30 (Format error)
MCS_014
PVL_114
DMC_009
DE 39 = 51 (Insufficient funds/over credit limit)
MCS_015
PVL_115
DMC_010
DE 39 = 54 (Expired card)
MCS_019
PVL_119
DMC_013
DE 39 = 61 (Exceeds withdrawal amount limit)

The following test cases will test whether an acquirer's dual message online 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 subelement 37 when a
Payment Facilitator or Independent Sales Organization participates in a transaction and provide the appropriate responses.
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.
Case DE DE DE
MCS_001
MSR PURCHASE DMC_001-005
0100 060005000001 1 1 SIGNATURE 00 90 0 MSI_001-005 00
1
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.
MCS_001
0100 060005000002 1 1 SIGNATURE 00 90 0 MSI_001-005 00
2
DE 43 with Merchant Name (business as usual).
DE 48, SE 37, SF 2 = Independent Sales Organization ID.

Case DE DE DE
MCS_001
0100 060005000003 1 1 SIGNATURE 00 90 0 MSI_001-005 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.
Requests
The following test cases will test whether an acquirer's Dual Message application can send properly formatted Authorization
Request/0100 messages and receive the Authorization Request Response/0110 messages with the Transaction Integrity Class value in
DE 48, SE 52.
NOTE: These test cases are meant to only test the most typical Transaction Integrity Classification value C1 in DE 48, SE 52.

Requests
Case DE DE DE
MSR PURCHASE
0100 060012500001 1 0 SIGNATURE 00 90 0 MCS_001 00
1 Card present POS purchase transaction

0100: DE 4 = 000000010031 to obtain DE 48, SE 52 response for C1.
0110: DE 48 SE 52 (Transaction Integrity Classification) = C1.
MSR PURCHASE WITH

0100 060012500002 1 0 CASH BACK ONLINE PIN 09 90 0 V MCS_001 00
2 Card present POS purchase with cash back transaction

0100: DE 4 = 000000010031 to obtain DE 48, SE 52 response for C1.
0110: DE 48 SE 52 (Transaction Integrity Classification) = C1.
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.

Advices, Reversals
Case DE DE DE

TRANSACTION AND CVM DMC_130
0100 060059400011 1 N/A OF CUSTOMER 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.
Controller.

2 MDES issuer PAN.

Controller.

Case DE DE DE

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.
Controller.

0120 060059400021 1 N/A OF CUSTOMER CHOICE ** ** * MSI_130 00
MDES issuer token, acquirer advice transaction successfully mapped and validated.

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.

Case DE DE DE

MDES issuer PAN, acquirer advice transaction.

5

Non-MDES issuer PAN, acquirer advice transaction.

6
0130: DE 56 (Payment Account Data) is provided by Mastercard as BIN Controller.

Case DE DE DE

0400 1 N/A DE 39 = 17 00
MDES issuer token, original and full reversal transaction successfully mapped and validated.
7 6 (Token Requestor ID) if applicable, and SF 8 (Storage Technology) if applicable.
Controller.
0400: DE 39 = 17 (Customer Cancellation) and DE 48, SE 63 (Trace ID) present.
Controller.

Case DE DE DE

0400 1 N/A DE 39 = 17 00
MDES issuer PAN, original and full reversal.

Controller.
Controller.

Case DE DE DE

0400 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.
Controller.
Controller.
Products and Services

The following test cases will test whether a customer’s acquirer Dual Message authorization application can send properly formatted
Authorization Requests, and process the resulting Authorization Responses under conditions which are specific to all additional
features available.
Authorization Requests and Reversal
The following test cases will test whether an acquirer's Dual Message authorization application that is participating in Dynamic
Currency Conversion (DCC) can properly submit POI data in DE 54 for DCC transactions in Authorization Requests and Reversals and
process the resulting Authorization Responses.

Authorization Requests and Reversal
Case DE DE DE
MCS_001
DMC_001-005
PVL_101
1 0100 060004200001 1 1 SIGNATURE OR NO CVM 00 90 0 PVC_101 00
DCC on a POS Purchase

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

Case DE DE DE
MCS_001
DMC_001-005
PVL_101
0400 1 1 DE 39 = 32 00
DCC on a POS Purchase

2
0400: DE 39 = 32 (Partial reversal), DE 4 contains amount from 0100, DE 54 and DE 95, SF 1 contain the adjusted transaction
amount in appropriate currency
NOTE: Acquirer to supply the remainder of the transaction amount to be authorized in the preconversion currency
in DE 54, subfield 4 of the 0400 message.
MCS_001
MSR PURCHASE WITH DMC_001-005
0100 060004200003 1 1 CASH BACK SIGNATURE 09 90 0 MSI_001-005 00
DCC on a POS Purchase with Cash Back

3
First occurrence of 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
Second occurrence of DE 54 contains SF 1 (Account Type) same value as DE 3, SF 2 (From Account); SF 2 (Amount Type) = 40
(Amount Cash Back), SF 3 (Currency Code) same as DE 49; and SF 4 (Amount) in the pre-conversion currency

Return—Authorization Requests
The following test cases will test whether an acquirer's Dual Message authorization application can send a correctly formatted POS
Balance Inquiry in an Authorization Request message and receive the balance information in DE 54 (Additional Amounts) of the
Authorization Request response message.
Cardholders can use the balance inquiry feature in the POS environment to determine the amount of funds remaining on a
Mastercard prepaid card.
The acquirer receives the cardholder account balance in both the issuer's currency and the transaction currency. The acquirer has the
option to provide the merchant with the cardholder account balance in the issuer's currency, transaction currency, or both. The
merchant may optionally display the appropriate amount on the customer's printed receipt. There will always be two occurrences of
DE 54, SF 3 (Currency Code) in the Authorization Request Response message even if the transaction currency and issuer currency are
the same.
Return—Authorization Requests
Case DE DE DE
MPP_001
MSR POS BALANCE MSI_002-005
1 INQUIRY CVM OF PVL_101
0100 060040100001 1 N/A CUSTOMER CHOICE 30 90 0 * PVC_101 00
DE 3, SF 2 = value of customer's choice and DE 54, SF 2 = 02 (Available Balance)
MSR POS BALANCE MPP_003

0100 060040100003 1 N/A INQUIRY ONLINE PIN 30 90 0 V MSI_085 85
2
DE 3, SF 2 = value of customer's choice and DE 54, SF 2 = 02 (Available Balance)

Table 0600501—Acquirer POS Credit and Debit—MSR Product and Services—Fleet Cards—Authorization Requests
Mastercard BINs identified as Corporate 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.
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 0600501—Acquirer POS Credit and Debit—MSR Product and Services—Fleet Cards—Authorization Requests
Case DE DE DE
MSR PURCHASE
0100 060050100001 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 PURCHASE
0100 060050100002 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 PURCHASE
0100 060050100003 1 1 SIGNATURE 00 90 * MCF_003 00
3
Product type code value 3 (Driver number and odometer)—valid driver number provided at POI.

Case DE DE DE
MSR PURCHASE
0100 060050100004 1 0 SIGNATURE 00 90 * MCF_004 00
4
Product type code value 4 (Odometer only).
MSR PURCHASE
5 0100 060050100005 1 0 SIGNATURE 00 90 * MCF_005 00
Product type code value 5 (No prompt).
MSR PURCHASE
0100 060050100006 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 PURCHASE
0100 060050100007 1 0 SIGNATURE 00 90 * MCF_012 12
7
Product type code value 2 (Vehicle number and odometer)—invalid vehicle number provided at POI
MSR PURCHASE
0100 060050100008 1 0 SIGNATURE 00 90 * MCF_013 12
8
Product type code value 3 (Driver number and odometer)—invalid driver number provided at POI

Requests
The Mastercard Electronic Acceptance Indicator indicates if a transaction is a Mastercard Electronic transaction and designates if the
acquirer, merchant, or both, participate in the Mastercard Electronic program.
Mastercard Electronic transactions may only be conducted in countries approved for participation. The Dual Message Authorization
System validates country participation using the POS country code in Authorization Request messages.
Authorization Request messages indicating Mastercard Electronic Acceptance Indicator and process the resulting Authorization
Request Response.
NOTE: Per announcement AN 1343—Decommissioning of Mastercard Electronic plans to phase out the Mastercard Electronic brand.
Effective 18 October 2019 acquirers must no longer acquire MasterCard Electronic transactions.
Requests
Case DE DE DE
MCE_001
MSR PURCHASE MEC_001
0100 060060100001 1 0 SIGNATURE 00 90 0 MBE_001 00
1
DE 48, SE 76 = C (Mastercard only participant)
Not considered a Mastercard Electronic transaction.

Case DE DE DE
MCE_002
0100 060060100002 1 0 SIGNATURE 00 90 0 MBE_002 00
2
DE 48, SE 76 = E (Acquirer and its merchant both participate in Mastercard Electronic)
Considered a Mastercard Electronic transaction.
MCE_003
0100 060060100003 1 0 SIGNATURE 00 90 0 MBE_003 00
3
DE 48, SE 76 = M (Acquirer participates in Mastercard Electronic; but merchant that processed the transaction does not
participate in Mastercard Electronic)
Not considered a Mastercard Electronic transaction.
Requests
Authorization Requests with acquirer Private Data in DE 127 (Private Data) and process the resulting Authorization Responses with
acquirer Private Data in DE 127.

Requests
Case DE DE DE
MCS_001
PVL_101
DMC_001-005
0100 060070100001 1 N/A SIGNATURE 00 90 0 PVC_101 00
Containing acquirer private data in DE 127 provided in request and returned by Mastercard in response.
Requests
Member-defined data may be sent by the acquirer to the issuer or sent by the issuer to the acquirer.
Authorization Requests with Member-defined Data in DE 124 (Member-defined Data) and to receive Member-defined Data in DE
124 in an Authorization Request Response message even though the acquirer did not send any Member-defined Data in the
Authorization Request message.

Requests
Case DE DE DE
MCS_106
PVL_206
DMC_050
MSR PURCHASE CVM OF MSI_048
1 0100 060070200001 1 N/A CUSTOMER CHOICE 00 90 0 * PVC_207 00
0100: DE 124 = Hi; How are you?

0110: DE 124 not present.
MCS_108
PVL_208
DMC_049
2 0100 060070200003 1 N/A CUSTOMER CHOICE 00 90 0 * PVC_206 00
0100: DE 124 not present.

0110: DE 124 = How are you?
Requests
payment transactions (excluding MoneySend and rePower) in Authorization Requests and process the resulting Authorization
Request Response messages.

Requests
Case DE DE DE
MCS_001
DMC_001-005
MSI_001-005
1 MSR PAYMENT PVC_101
0100 060080100001 1 1 SIGNATURE 28 90 0 PVL_101 00
DE 48, SE 77 = Payment Type of customer choice (excluding MoneySend)
MSR PAYMENT
2 0100 060080100006 1 1 SIGNATURE 28 90 0 PVL_101 00
DE 48, SE 77 = C06 (Payment of credit card balance with cash or check payment type)
Transactions—Authorization and Reversal Requests
Mastercard MoneySend Funding transactions in the Authorization Requests and process the resulting Authorization Responses.
NOTE: The transactions in this table are Mastercard MoneySend Funding Transactions. Please refer to the Acquirer Manual/Voice/
MOTO/Electronic Commerce Credit and Debit profile for the MoneySend Payment Transactions.

Transactions—Authorization and Reversal Requests
Case DE DE DE
MCS_001
0100 060080200001 1 1 SIGNATURE 00 90 0 MSI_001-005 00
0400 1 1 DE 39 = 17 00
1
MoneySend Funding Transaction via non-CAT magnetic stripe acceptance.
DE 18 = 6538 (MoneySend Funding); DE 48, TCC = R (Retail); DE 48, SE 77 = any valid MoneySend value; and DE 108 and/or
124 optional.
0400: DE 39 = 17 (Customer Cancellation)
MCS_001
2
MoneySend Funding Transaction via CAT 2 magnetic stripe acceptance.
124 optional.
Transaction—Authorization Requests and Reversals
Authorization Requests and Reversals for Mastercard rePower load value payment transactions and process the resulting
Authorization Responses.

NOTE: These processing scenarios and response codes do not represent the full range possible.
Transaction—Authorization Requests and Reversals
Case DE DE DE
MSR PAYMENT
0100 060085100001 1 1 TRANSACTION NO CVM 28 90 0 MPP_001 00
rePower load value payment transaction approved by issuer.

1 0100: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member Financial Institution) or 6533 (Payment
Transaction - Merchant).
0100: DE 48, SE 77 = C03 (rePower Load Value).
0110: DE 54 contains post-load account balance.
MSR PAYMENT
rePower load value payment transaction declined by issuer.

0110: DE 39 = 57 (Transaction not permitted to issuer/cardholder); DE 54 not present.

Case DE DE DE
MSR PAYMENT
0400 1 1 DE 39 = 17 00
rePower load value payment transaction request cancelled after receiving approved request response and reversal submitted
by merchant.
3
0100: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member Financial Institution) or 6533 (Payment
0400: DE 39 = 17 (Customer Cancellation).
Authorization Requests and process the resulting Authorization Responses containing installment transactions within Argentina.

Case DE DE DE
MSR PURCHASE
0100 060090100001 1 0 SIGNATURE 00 90 0 MCC_604 00
1
DE 48, SE 95 = ARGCTA and DE 112 to verify Argentina acquirer can send installment payment to Argentina issuer using
issuer finance.
MSR PURCHASE
0100 060090100002 1 0 SIGNATURE 00 90 0 MCC_605 00
2
merchant finance.
MSR PURCHASE
0100 060090100003 1 0 SIGNATURE 00 90 0 MCC_606 00
3
acquirer finance.
MSR PURCHASE
0100 060090100004 1 0 SIGNATURE 00 90 0 MCC_608 00
4
consumer financing (purchase) and receive issuer response data.
MSR PURCHASE
0100 060090100005 1 0 SIGNATURE 00 90 0 MCC_609 00
5
consumer financing (manual cash advance) and receive issuer response data.

Authorization Requests and process the resulting Authorization Responses containing installment transactions within Uruguay.
Case DE DE DE
MSR PURCHASE
0100 060090200001 1 0 SIGNATURE 00 90 0 MCC_612 00
1
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send installment payment to Uruguay issuer using issuer
finance.
MSR PURCHASE
0100 060090200002 1 0 SIGNATURE 00 90 0 MCC_613 00
2
DE 48, SE 95 = URYCTA and DE 112 to verify Uruguay acquirer can send installment payment to Uruguay issuer using
merchant finance.
MSR PURCHASE
0100 060090200003 1 0 SIGNATURE 00 90 0 MCC_615 00
3
acquirer finance.
MSR PURCHASE
0100 060090200004 1 0 SIGNATURE 00 90 0 MCC_616 00
4
average payment.

Case DE DE DE
MSR PURCHASE
0100 060090200005 1 0 SIGNATURE 00 90 0 MCC_617 00
5
consumer financing (purchase) and receive issuer response data.
MSR PURCHASE
0100 060090200006 1 0 SIGNATURE 00 90 0 MCC_618 00
6
consumer financing (manual cash advance) and receive issuer response data.
The following test case 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 Peru.

Case DE DE DE
MSR PURCHASE
0100 060090300001 1 0 SIGNATURE 00 90 0 MCC_622 00
0100: DE 48, SE 95 = PERCTA

0100: DE 112, SE 007 = 20121604 (20 = Issuer-financed, 12 = number of installments, 1 = grace period, and 604 = Peru
1
nuevo sol transaction currency).
0110: DE 112, SE 007 = 20121604 (same as 0100 data).
0110: DE 112, SE 008 = 00000001000012121260400 (100.00 = installment amount, 121212 = Due date first installment,
604 = Peru nuevo sol financing currency, and 00 = Future use)
Authorization Requests and process the resulting Authorization Responses containing installment transactions within Brazil.

Case DE DE DE
MSR PURCHASE
0100 060090500002 1 0 SIGNATURE 00 90 0 MCC_526 00
1
0100: DE 112 = Merchant-financed; DE 48, SE 95 = PARCEL
0110: DE 112 = Format 2.
MSR PURCHASE
0100 060090500003 1 0 SIGNATURE 00 90 0 MCC_527 00
2
0100: DE 112 = Issuer-financed; DE 48, SE 95 = PARCEL
0110: DE 112 = Format 1.

Case DE DE DE
MCC_528
MSR ASI PURCHASE MCC_529
0100 060090500011 1 0 SIGNATURE OR NO CVM 00 90 0 MCC_530 00
Crediario Card Present (CP) 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.
MSR PURCHASE
0100 060090500012 1 0 SIGNATURE OR NO CVM 00 90 0 MCC_528 00
Crediario Card Present (CP) Purchase

0100: DE 4 (Amount, Transaction) purchase amount
4
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.

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.
Case DE DE DE
MSR PURCHASE
0100 060090600001 1 0 SIGNATURE 00 90 0 MCC_640 00
Merchant-financed installment payment preauthorization request for 12 installments and no grace period.
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2112N00978
1
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

Case DE DE DE
MSR PURCHASE
0100 060090600002 1 0 SIGNATURE 00 90 0 MCC_641 00
Merchant-financed installment payment preauthorization request for 12 installments and 15 days grace period.
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2112D15978
2
0110: DE 112, SE 008 = 00000001100001151197800
MSR PURCHASE
0100 060090600003 1 0 SIGNATURE 00 90 0 MCC_642 00
Merchant-financed installment payment preauthorization request for 6 installments and 4 weeks grace period.
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2106W04978
3
0110: DE 112, SE 008 = 00000002200001281197800

Case DE DE DE
MSR PURCHASE
0100 060090600004 1 0 SIGNATURE 00 90 0 MCC_643 00
Merchant-financed installment payment preauthorization request for 3 installments and 1 month grace period.
0100: DE 48, SE 95 = GREECE and DE 112, SE 006 = 2103M01978
4
0110: DE 112, SE 008 = 00000004400001311197800
Authorization Requests and process the resulting Authorization Responses containing installment transactions within Paraguay.
Case DE DE DE
MSR PURCHASE
0100 060090700001 1 0 SIGNATURE 00 90 0 MCC_651 00
1
DE 48, SE 95 = PRYCTA and DE 112, SE 001 = 2012 to verify Paraguay acquirer can send installment payment to Paraguay
issuer using issuer finance.

Case DE DE DE
MSR PURCHASE
0100 060090700002 1 0 SIGNATURE 00 90 0 MCC_652 00
2
issuer using merchant finance.
MSR PURCHASE
0100 060090700003 1 0 SIGNATURE 00 90 0 MCC_653 00
3
issuer using acquirer finance.
MSR PURCHASE
0100 060090700004 1 0 SIGNATURE 00 90 0 MCC_654 00
4
issuer using consumer financing (purchase) and receive issuer response data in DE 112, SE 003.
MSR PURCHASE
0100 060090700005 1 0 SIGNATURE 00 90 0 MCC_655 00
5
issuer using consumer financing (manual cash advance) and receive issuer response data in DE 112, SE 003.
Authorization and Reversal Requests
Authorization and Reversal Requests and process the resulting Authorization Responses containing installment transactions within
Philippines.

Case DE DE DE
MSR PURCHASE MCC_661,662,

0100 060090800001 1 0 SIGNATURE 00 90 0 663,664,665 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.
MSR PURCHASE
0100 060090800006 1 0 SIGNATURE 00 90 0 MCC_665 00
0400 1 0 DE 39 = 17 00
2
0100: DE 48, SE 95 = PHINST and DE 112, SE 009 merchant financed for 24 installments
0400: Full reversal for customer cancellation
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.

Case DE DE DE
MCS_001
MSR PURCHASE CVM OF DMC_001-005
0100 060091000001 1 N/A CUSTOMER CHOICE 00 90 0 * MSI_001-005 00
Installment payment transaction from terminal that is capable of installments.

1
0100: DE 48, SE 95 = MCINST.
0100: 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.
MCS_001

2
0100: DE 48, SE 95 = MCINST.
0110: DE 112, SE 021 = 20F indicating issuer offers "Pay in Full Only", no installments.

Case DE DE DE
MCS_001
3 0100: DE 48, SE 95 = MCINST.

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.
MCS_001
4 0100: DE 48, SE 95 = MCINST.

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.

Case DE DE DE
MCS_001
5 0100: DE 48, SE 95 = MCINST.

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.
MCS_001
6 0100: DE 48, SE 95 = MCINST.

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.

Case DE DE DE
MCS_001

7
0100: DE 48, SE 95 = MCINST.
0110: DE 112, SE 021 = 20F indicating issuer offers "Pay in Full Only" and SE 22 present.
MCS_001
Acquirer submits optional advice indicating the exact installment payment option agreed between issuer and cardholder.
8 0120: DE 48, SE 95 = MCINST.
0120: DE 4 may be any amount except 950.00-956.00 that was used for previous requests.
0120: DE 112, SE 021 = 20I indicating issuer offers "Pay in Installments Only" and SE 022 contains one occurrence.
0120: DE 60, SF 1 = 190 (Acquirer Processing System (APS) Approved)

Case DE DE DE
MCS_001

9
0100: DE 48, SE 95 = MCINST.
0110: DE 112, SE 021 = 24F indicating issuer offers "Pay in Full Only", no Issuer Merchant Co-Financed installments.
MCS_001
10 0100: DE 48, SE 95 = MCINST.

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.

Case DE DE DE
MCS_001
11 0100: DE 48, SE 95 = MCINST.

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.
MCS_001
12 0100: DE 48, SE 95 = MCINST.

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.

Case DE DE DE
MCS_001
13 0100: DE 48, SE 95 = MCINST.

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.
MCS_001
Acquirer submits optional advice indicating the exact installment payment option agreed between issuer and cardholder.
14 0120: DE 48, SE 95 = MCINST.
0120: DE 4 may be any amount except 850.00-856.00 or 950.00-956.00.
0120: DE 112, SE 021 = 24I indicating issuer offers "Pay in Installments Only" and SE 022 contains one occurrence.
0120: DE 60, SF 1 = 190 (Acquirer Processing System (APS) Approved).

The following test cases will test whether an acquirer's Dual Message authorization application can send correctly formatted POS
purchase with cash back and cash back only Authorization Requests for intracountry transactions where allowed by Mastercard and
receive the resulting Authorization Responses as well as receiving Purchase only approval.
Case DE DE DE
MSR CASH BACK ONLY MCS_001

CVM OF CUSTOMER DMC_001-005
0100 060091100001 1 0 CHOICE 09 90 0 * MSI_001-005 00
1
Intracountry POS cash back only transaction where allowed.
DE 4 (Amount Transaction) equals DE 54, SF 4 (Amount) for SF 2 (Amount Type) = 40 (Amount Cash Back).

Case DE DE DE

CASH BACK CVM OF DMC_017
0100 060091100002 1 1 CUSTOMER CHOICE 09 90 0 * MSI_017 87
0400 1 1 DE 39 = 17 00
Merchant terminal supports receipt of purchase only approvals and issuer approves purchase only.
2
0100: DE 48, SE 61, SF 2 = 1 (Merchant terminal supports receipt of purchase only approvals)
0100: DE 54, SF 2 = 40 and SF 4 contains cash back amount
0110: DE 4 (Amount, Transaction) contains the approved amount and DE 54, SF 2 = 57 and SF 4 contains the original DE 4
amount from the 0100 request
0400: Full reversal of approved amount for customer cancellation.
Authorization Requests and Reversals
The following test cases will test whether an acquirer's Dual Message online application can send correctly formatted Authorization
Requests and Reversals for domestic Japan POS transactions containing Japan National Data and/or Japan Payment Options in DE
112, and process the resulting Authorization Responses.

Case DE DE DE
MCS_001
0100 060091500001 1 1 SIGNATURE 00 90 0 MSI_001-005 00
Japan domestic POS transactions.

1
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 response but does not receive DE 112, SE 31 (CAFIS Response Code)
MCS_001
0100 060091500002 1 1 SIGNATURE 00 90 0 MSI_001-005 00
0400 1 1 DE 39 = 17 00

2
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 response.
0400: DE 39 = 17 (Customer Cancellation)

Case DE DE DE
MCS_001
0100 060091500003 1 1 SIGNATURE 00 90 0 MSI_001-005 00

3
Acquirer does not send DE 112 containing SE 30 (CAFIS POS Data) in request.
Acquirer receives DE 112, SE 31 (CAFIS Response Code) in response.
MCS_001
0100 060091500011 1 1 SIGNATURE 00 90 0 MSI_001-005 00

4
Acquirer sends DE 112 containing SE 30 (CAFIS POS Data) and SE 32 (Japan Payment Options) in request.
Acquirer receives DE 112, SE 30 and SE 32 in response but does not receive DE 112, SE 31 (CAFIS Response Code)
MCS_001
0100 060091500012 1 1 SIGNATURE 00 90 0 MSI_001-005 00

5
Acquirer sends DE 112 containing SE 30 (CAFIS POS Data) and SE 32 (Japan Payment Options) in request.
Acquirer receives DE 112 SE 30, SE 31 (CAFIS Response Code), and SE 32 in response.

Case DE DE DE
MCS_001
0100 060091500013 1 1 SIGNATURE 00 90 0 MSI_001-005 00

6
Acquirer does not send DE 112 containing SE 30 (CAFIS POS Data) but does send SE 32 (Japan Payments Options) in request.
Acquirer receives DE 112, SE 31 (CAFIS Response Code) and SE 32 in response.
MCS_001
0100 060091500014 1 1 SIGNATURE 00 90 0 MSI_001-005 00

7
Acquirer does not send DE 112 containing SE 30 (CAFIS POS Data) but does send SE 32 (Japan Payment Options) in request.
Acquirer receives DE 112, SE 32 in response.

Case DE DE DE
MCS_180
0100 060091500021 1 1 SIGNATURE 00 90 0 MSI_180 00
Japan domestic POS transactions

Authorization Request/0100 message to support testing of applicable Authorization Type values
DE 112 contains SE 030 (CAFIS POS Data) including position 107 (Authorization Type) value 1, 2, 3, 4, or 6
8 DE 112 may optionally contain SE 032 (Japan Payment Options)
NOTE: Acquirer must submit the following DE 4 (Amount, Transaction) values to generate the desired DE 112
subelements they want to receive in response.
• DE 4 = 000000300000 generates DE 112, SE 030 in response
• DE 4 = 000000303100 generates DE 112, SE 030 and 031 in response
• DE 4 = 000000303132 generates DE 112, SE 030, 031 and 032 in response

Case DE DE DE
MCS_001
0100 060091500022 1 1 SIGNATURE 00 90 0 MSI_001-005 00
0400 1 1 DE 39 = 17 00

Authorization Request/0100 message to be following by Reversal Request/0400 to support testing of applicable Authorization
Type values
0100:DE 112 contains SE 030 (CAFIS POS Data) including position 107 (Authorization Type) value 1, 2 , or 3
0100: DE 112 may optionally contain SE 032 (Japan Payment Options)
Reversal Request/0400 containing DE 39 = 17 (Customer Cancellation) to support testing of applicable Authorization Type
9 values
0400: DE 112 contains SE 030 (CAFIS POS Data) including position 107 (Authorization Type) value 5, 7, or 8 corresponding to
request values 1, 2, or 3
0400: DE 112 may optionally contain SE 032 (Japan Payment Options)
NOTE: Acquirer must submit the following DE 4 (Amount, Transaction) values to generate the desired DE 112
subelements they want to receive in response.
• DE 4 = 000000300000 generates DE 112, SE 030 in response
• DE 4 = 000000303132 generates DE 112, SE 030, 031 and 032 in response

Transactions acquired in India
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.
Transactions acquired in India
Case DE DE DE
MCS_001
1
0100: 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).
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.

Authorization Requests, Advice, and Reversal
Case DE DE DE
MSR PURCHASE MCS_001

0100 060095000001 1 1 SIGNATURE 00 90 0 DMC_001 00
1 Restaurant transaction with gratuity, 1 installment.

DE 54 present with amount type 44 (Amount Gratuity). DE 48 sub 95 and DE 112 present.
DE 124 present containing Colombia domestic transaction information.

0100 060095000002 1 1 SIGNATURE 00 90 0 DMC_001 00
0400 1 1 DE 39 = 17 00
2
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).

0100 060095000003 1 1 SIGNATURE 17 90 0 DMC_001 05
3
Cash Advance transaction.
DE 48, SE 95 and DE 112 may be present. DE 124 present containing Colombia domestic transaction information.

Case DE DE DE
MANUAL ENTRY MO/TO

0100 060095000004 1 1 PURCHASE NO CVM 00 01 0 MCS_005 05
Phone or Mail order transaction for three installments containing invalid national customer identifier.
4
0100: 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).

0100 060095000005 1 1 CASH BACK SIGNATURE 09 90 0 DMC_001 00
5
Purchase with Cash Back transaction.
DE 48 sub 95 and DE 112 may be present. DE 124 present containing Colombia domestic transaction information.

0100 060095000006 1 1 SIGNATURE 00 90 0 DMC_001 00
6 Purchase transaction for twelve installments using Mastercard Assigned ID.


0100 060095000007 1 1 PURCHASE SIGNATURE 00 90 9 DMC_001 00
7 Purchase transaction for 2 installments.

present containing Colombia domestic transaction information. DE 61, SF 10 = 9 (mPOS Acceptance Device).

Case DE DE DE
ELECTRONIC COMMERCE MCS_001

0100 060095000008 1 1 PURCHASE NO CVM 00 81 6 DMC_001 00
8 e-Commerce purchase transaction with customer ID and installments.

0100: DE 48, SE 95 present; DE 112, SE 010 and SE 011 present; and DE 124 present containing Colombia domestic
transaction information.
ELECTRONIC COMMERCE MCS_001

0100 060095000009 1 1 PURCHASE NO CVM 00 81 6 DMC_001 00
9 Utilities transaction via web.

0100: DE 124 present containing Colombia domestic transaction information including SF 6 (Original Processing Code) =
150000 (Public utilities) and SF 8 = 7 (Web payment).

0100 060095000010 1 1 SIGNATURE 00 90 0 DMC_001 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).

0100 060095000011 1 1 SIGNATURE 00 90 0 DMC_001 00
Cellular phone top up transaction.

11
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).

Case DE DE DE
MSR PAYMENT MCS_001

0100 060095000012 1 1 SIGNATURE 28 90 0 DMC_001 00
12
Payment transaction.
DE 48 TCC as P and SE 77 = CXX depending of supported payment capabilities.
MANUAL ENTRY MCS_001

0100 060095000013 1 1 PAYMENT NO CVM 28 01 0 DMC_001 00
13
DE 48 TCC as P and SE 77 = CXX depending of supported payment capabilities.
MSR ACIERTA PURCHASE MCS_001

0100 060095000014 1 1 SIGNATURE 00 90 0 DMC_001 51
0120 1 1 DE 39 = 00 00
Acierta purchase transaction.

14
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.

0100 060095000015 1 1 SIGNATURE 00 90 0 DMC_001 00
15 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

Case DE DE DE

0100 060095000016 1 1 SIGNATURE 00 90 0 DMC_001 00
Purchase transaction.
16
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.
Requests
The following test cases will test whether an acquirer's Dual Message authorization application can send various types of Chile
domestic transactions containing applicable data in correctly formatted Authorization Requests and receive the resulting

Requests
Case DE DE DE
MCS_000
MCG_007
MPL_000
MSR PURCHASE ONLINE MBK_000
0100 060096000001 1 1 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

Case DE DE DE
MCS_000
MCG_007
MPL_000
0100 060096000002 1 1 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)
2 DE 61, SE 4 = 0; DE61, SE 5 = 0
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 112 = Required

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000003 1 1 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

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000004 1 1 PIN 00 90 0 V MCO_006 00
Merchant Financed Installments with Deferred Period

DE 4 = $75,000.00
DE 18 = 4899 (MOVISTAR)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 112 = Required
MCS_006
MCG_006
MPL_006
MSR PURCHASE MBK_006
0100 060096000005 1 1 RECURRENT PAYMENT 00 90 0 V MCO_006 00
5
DE 4 = $60,000.00
DE 18 = ABASTIBLE
DE 61, SE 4 = 0; DE61, SE 5 = 0

Case DE DE DE
MCS_002
MCG_008
MPL_002
0100 060096000006 1 1 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 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 112 = Required

Case DE DE DE
MCS_002
MCG_008
MPL_002
0100 060096000007 1 1 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)
DE 18 = 5251 (COVEPA)
7
DE 61, SE 4 = 0; DE61, SE 5 = 0
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 112 = Required

Case DE DE DE
MCS_003
MCG_003
MPL_007
0100 060096000008 1 1 PIN 30 90 0 V MCO_003 00
Inquiry Issuer Financed Installments No Deferred Period

DE 4 = $130,000.00
DE 18 = 5311 (FALABELLA)
8
DE 61, SE 4 = 0; DE61, SE 5 = 0
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 112 = Required

Case DE DE DE
MCS_003
MCG_003
MPL_007
MSR PURCHASE ONLINE MBK_C007
0100 060096000009 1 1 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
9
DE 61, SE 4 = 0; DE61, SE 5 = 0
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 112 = Required

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000010 1 1 PIN 00 90 0 V MCO_006 00

DE 4 = $80,000.00
DE 18 = 5411 (EXP LIDER)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 112 = Required
MCS_006
MCG_006
MPL_006
0100 060096000011 1 1 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

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000012 1 1 PIN 00 90 0 V MCO_006 00
Merchant Financed Installments with Deferred Period

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

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000013 1 1 PIN 00 90 0 V MCO_006 00

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

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000014 1 1 PIN 00 90 0 V MCO_006 00

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

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000015 1 1 PIN 00 90 0 V MCO_006 00
Merchant Financed Installments With Deferred Period

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

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000016 1 1 PIN 00 90 0 V MCO_006 00

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

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000017 1 1 PIN 00 90 0 V MCO_006 00

DE 4 = $135,000.00
DE 18 = 6513 (CONDOMINIO (Gastos comunes))
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 112 = Required
MCS_006
MCG_006
MPL_006
0100 060096000018 1 1 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

Case DE DE DE
MCS_005
MCG_005
MPL_008
0100 060096000019 1 1 PIN 30 90 0 V MCO_007 00
Inquiry Issuer Financed Installments Without Interest And 3 Deferred Periods Options
DE 4 = $140,000.00
DE 18 = 8011 (ORTOMEDICA)
19 DE 61, SE 4 = 0; DE61, SE 5 = 0
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 112 = Required

Case DE DE DE
MCS_005
MCG_005
MPL_008
0100 060096000020 1 1 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
20
DE 61, SE 4 = 0; DE61, SE 5 = 0
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 112 = Required

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000021 1 1 PIN 00 90 0 V MCO_006 00

DE 4 = $70,000.00
DE 18 = 8211 (CFT SANTO TOMAS ANTOFA)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 112 = Required

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000022 1 1 PIN 00 90 0 V MCO_006 00

DE 4 = $55,000.00
DE 18 = 8398 (FUNDAC. LAS ROSAS)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 112 = Required

Case DE DE DE
MCS_006
MCG_006
MPL_006
0100 060096000023 1 1 PIN 00 90 0 V MCO_006 00

DE 4 = $50,000.00
DE 18 = 9311 (S.I.I.CONTRIBUCIONES F)
DE 61, SE 4 = 0; DE61, SE 5 = 0
DE 112 = Required

Case DE DE DE
MCS_007
MCG_001
MPL_001
0100 060096000024 1 1 PIN 30 90 0 V MCO_001 00
Inquiry Issuer Financed Installments With Interest and 3 Deferred Periods Options
DE 4 = $115,000.00
DE 18 = 4511 (LAN)
24 DE 61, SE 4 = 3; DE61, SE 5 = 1
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 112 = Required

Case DE DE DE
MCS_007
MCG_001
MPL_001
0100 060096000025 1 1 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 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 112 = Required

Case DE DE DE
MCS_004
MCG_004
MPL_004
0100 060096000026 1 1 PIN 30 90 0 V MCO_004 00
Inquiry Issuer Financed Installments No Deferred Period

DE 4 = $95,000.00
DE 61, SE 4 = 5; DE61, SE 5 = 1
26
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 112 = Required

Case DE DE DE
MCS_004
MCG_004
MPL_004
0100 060096000027 1 1 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 112 = Required
0110: approved 48 installments without interest
DE 4 = $95,000.00
DE 61, SE 4 = 5; DE61, SE 5 = 1
DE 112 = Required
Requests
The following test cases will test whether an acquirer's Dual Message authorization application can send various types of Chile
domestic transactions containing applicable data in correctly formatted Authorization Requests and receive the resulting

Requests
Case DE DE DE
MSR PURCHASE ONLINE

0100 600961000001 1 1 PIN 00 90 0 V MDG_CHL_000 00
1 Business transaction format and content

DE 4= $120,000.00
DE 18=4511 (SKY AIRLINES)
MSR PURCHASE ONLINE

0100 600961000002 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $100,000.00
DE 18=4784 (COSTANERA NORTE)
MSR PURCHASE ONLINE

0100 600961000003 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $75,000.00
DE 18=4900 (MOVISTAR)

Case DE DE DE
MSR PURCHASE ONLINE

0100 600961000004 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $60,000.00
DE 18=4900 (ABASTIBLE)
MSR PURCHASE ONLINE

0100 600961000005 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $125,000.00
DE 18=5251 (COVEPA)
MSR PURCHASE ONLINE

0100 600961000006 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $130,000.00
DE 18=5311 (FALABELLA)
MSR PURCHASE ONLINE

0100 600961000007 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $80,000.00
DE 18=5411 (EXP LIDER)

Case DE DE DE
MSR PURCHASE ONLINE

0100 600961000008 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $85,000.00
DE 18=5411 (ALVI)
MSR PURCHASE ONLINE

0100 600961000009 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $90,000.00
DE 18=5411 (SUPERMERCADO GRECIA)
MSR PURCHASE ONLINE

0100 600961000010 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $65,000.00
DE 18=5541 (COPEC)
MSR PURCHASE ONLINE

0100 600961000011 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $110,000.00
DE 18=5814 (BURGER KING)

Case DE DE DE
MSR PURCHASE ONLINE

0100 600961000012 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $145,000.00
DE 18=5912 (SALCOBRAND)
MSR PURCHASE ONLINE

0100 600961000013 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $150,000.00
DE 18=5912 (C. VERDE)
MSR PURCHASE ONLINE

0100 600961000014 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $135,000.00
DE 18=6513 (CONDOMINIO (Gastos comunes))
MSR PURCHASE ONLINE

0100 600961000015 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $140,000.00
DE 18=8011 (ORTOMEDICA)

Case DE DE DE
MSR PURCHASE ONLINE

0100 600961000016 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $70,000.00
DE 18=8211 (CFT SANTO TOMAS)
MSR PURCHASE ONLINE

0100 600961000017 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $55,000.00
DE 18=8398 (FUNDAC. LAS ROSAS)
MSR PURCHASE ONLINE

0100 600961000018 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $50,000.00
DE 18=9311 (S.I.I.CONTRIBUCIONES)
MSR PURCHASE ONLINE

0100 600961000019 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $115,000.00
DE 18=4511 (LAN)

Case DE DE DE
MSR PURCHASE ONLINE

0100 600961000020 1 1 PIN 00 90 0 V MDG_CHL_000 00

DE 4= $95,000.00
DE 18=5511 (KLASSIK CAR S.A.)
Requests
The following test cases will test whether an acquirer's Dual Message authorization application can receive and process DE 48, SE 84
merchant advice codes in Authorization Request Response messages.
Merchant advice codes may be used by issuers to provide merchants with additional response information that allows them to better
service their customers.
Requests
Case DE DE DE
MCS_097
1 0100 060100100001 1 1 SIGNATURE 00 90 0 DMC_037 00
0110: DE 48, SE 84 = 01 (New account information available)

Case DE DE DE
MCS_100
2 0100 060100100002 1 0 SIGNATURE 00 90 0 DMC_073 05
0110: DE 48, SE 84 = 03 (Do not try again)
MCS_101
3 0100 060100100003 1 0 SIGNATURE 00 90 0 DMC_072 54
0110: DE 48, SE 84 = 02 (Cannot approve at this time, try again later)
Table 0601201—Acquirer POS Credit and Debit—MSR Product and Services—Partial Approval—Authorization Requests
Authorization Requests indicating that the merchant terminal supports partial approvals and process the resulting full or partial
approval Authorization Responses.
Acquirers may indicate in the Authorization Request that the merchant terminal supports the receipt of partial approvals, and on
receipt of a partial approval response, the merchant can initiate split-tender processing to obtain the remainder of the purchase
amount by another form of payment from the cardholder.

Table 0601201—Acquirer POS Credit and Debit—MSR Product and Services—Partial Approval—Authorization Requests
Case DE DE DE
MPP_006
PVL_110
DMC_018
1
POS transaction with partial approval amount less than requested amount.
DE 48, SE 61 position 1 = 1 (Merchant terminal supports partial approvals)
0110: DE 4 = the partial approval amount.
MCS_084
DMC_084
MSR PURCHASE CVM OF PVL_184
2
POS transaction with partial approval amount equal to requested amount
0100: DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals)
0110: DE 6 = DE 4 from the 0100 (Partial approval amount equals requested amount)
Table 0601301—Acquirer POS Credit and Debit—MSR Product and Services—PIN for Purchase—Authorization Requests
Authorization Request message with correct PIN and POS entry mode information and process the resulting Authorization Request
Response message containing the PIN Service Code, indicating the results of PIN processing.

The PIN for Purchase test verifies that an acquirer can submit transactions with correct PIN and POS entry mode information.
Authorization Response processing will be tested to replicate the response data provided by an issuer, related to the cardholder-
entered PIN.
In PIN for purchase scenarios, PIN length variation supports the following:
• Point-of-Service Entry Mode DE 22 and Data DE 61
• Key Management between acquirer host and Mastercard
NOTE: All non-Europe region acquirers should use the Mastercard test cards specified in Appendix A of the Test BINs and Card Data
for Acquirers manual for account range 51860076.
Table 0601301—Acquirer POS Credit and Debit—MSR Product and Services—PIN for Purchase—Authorization Requests
Case DE DE DE
MCS_086
DMC_086
MSR PURCHASE ONLINE MSI_001-005
1
0100 060130100001 1 0 PIN 00 90 0 V PVC_101 00
0110: DE 48, SE 80 = TV (The authorization system translated the 4-digit PIN for issuer verification).
MCS_087
MSR PURCHASE ONLINE DMC_087
2 0100 060130100002 1 0 PIN 00 90 0 V MSI_028 00
0110: DE 48, SE 80 = TV (The authorization system translated the 6-digit PIN for issuer verification).

Case DE DE DE
MSR PURCHASE ONLINE MCS_096

0100 060130100003 1 0 PIN 00 90 0 IV DMC_096 55
3
0110: DE 48, SE 80 = PI (The authorization system was unable to verify the 4-digit PIN).
MCS_016
DMC_016
MSR PURCHASE ONLINE MSI_011
4 0100 060130100004 1 0 PIN 00 90 0 IV PVC_196 55
0110: DE 48, SE 80 = TV (The authorization system translated the PIN for issuer verification) but the issuer was unable to
verify the PIN.
Transactions)—Authorization Requests
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 (link to that document, http://my.mastercard.com/gto/service_mgmt/cust_service_mgmt/
Manuals_MP/ENG/MCQ/MCQ_Manual.pdf)
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.
Transactions)—Authorization Requests
Case DE DE DE
MSR CONTACTLESS
0100 060150100001 1 N/A PURCHASE SIGNATURE 00 91 0 MCC_351 00
1
Contactless magnetic stripe business transaction format and content.
MSR CONTACTLESS
0100 060150100003 1 N/A PURCHASE ONLINE PIN 00 91 0 V MCC_351 00
2
MSR CONTACTLESS CAT

LEVEL 1 PURCHASE
3 0100 060150100005 1 N/A ONLINE PIN 00 91 1 V MCC_351 00
MSR CONTACTLESS CAT

LEVEL 2 PURCHASE NO
4 0100 060150100007 1 N/A CVM 00 91 2 MCC_351 00

Case DE DE DE
MSR CONTACTLESS
CASH ADVANCE
5 0100 060150100009 1 N/A SIGNATURE 17 91 0 MCC_351 00
MSR CONTACTLESS
CASH ADVANCE ONLINE
6 0100 060150100011 1 N/A PIN 17 91 0 V MCC_351 00
MSR CONTACTLESS POS

BALANCE INQUIRY
7 0100 060150100013 1 N/A SIGNATURE 30 91 0 MCC_351 00
MSR CONTACTLESS POS

BALANCE INQUIRY
MSR CONTACTLESS CAT

LEVEL 4 PURCHASE NO
9 0100 060150100016 1 N/A CVM 00 91 4 MCC_351 00

Case DE DE DE
MSR CONTACTLESS
PURCHASE WITH CASH
0100 060150100017 1 N/A BACK SIGNATURE 09 91 0 MCC_351 00
10
Only supported in Europe region for credit acquirers.
MSR CONTACTLESS
PURCHASE WITH CASH
0100 060150100018 1 N/A BACK ONLINE PIN 09 91 0 V MCC_351 00
11
Only supported in Europe region for credit acquirers.
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).
Chip])

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.
Conditions)—Authorization Requests
Case DE DE DE
MSR CONTACTLESS
BUSINESS TRANSACTION
0100 060150200001 1 N/A OF CUSTOMER CHOICE ** 91 * * MCC_353 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
MSR CONTACTLESS
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

Case DE DE DE
MSR CONTACTLESS
Contactless magnetic stripe business transaction

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

Service code = 101
4
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

Case DE DE DE
MSR CONTACTLESS

Service code = 101
5
Track 1: B5413330056003560^CUST IMP MC 356/ 3^251210100990399049909990599320
Track 2: 5413330056003560D25121010109743970
MSR CONTACTLESS
0400 1 N/A DE 39 = 17 00
Contactless magnetic stripe business transaction. Card is an M/Chip contactless card. Service code = 201
6 Customer must provide both transaction receipt and terminal display details
0100 message must include Device Type = Card DE 48, SE 23 = 00, if Acquirer supports transmittal of Device Type values
0100: DE 4 (Amount, Transaction) must be 000000010033 to obtain appropriate data in response message
PAN Mapping File Information (DE 48, SE 33) included in 0110 and in 0410
This test case must not be executed by Contactless M/Chip acquirers

(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.
Chip])
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.

(Technical Conditions)-Authorization Requests
Case DE DE DE
MSR CONTACTLESS
0100 060150300001 1 N/A OF CUSTOMER CHOICE ** 91 * * MCC_371A 00
1 The objective of this test case is to ensure that a terminal not supporting Mastercard PayPass version 3 correctly completes a
transaction with a Mobile device.
The transaction must be run by Acquirers whose terminal does not support Mastercard PayPass version 3.
Amount of transaction must be below the Contactless Transaction limit.
MSR CONTACTLESS
0100 060150300003 1 N/A OF CUSTOMER CHOICE ** 91 * * MCC_371A 00
The objective of this test case is to ensure that a terminal supporting Mastercard PayPass version 3 correctly completes a
2 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 PayPass v3 and is configured with a CVM
Required Limit greater than 0.
Amount of transaction must be below the Mastercard CVM Required Limit.

Case DE DE DE
MSR CONTACTLESS
BUSINESS TRANSACTION MCC_371A
0100 060150300005 1 N/A OF CUSTOMER CHOICE ** 91 * MCC_371B 00
The objective of this test case is to ensure that a terminal correctly manages supporting Mastercard PayPass 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 PayPass 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
0100 060150300007 1 N/A OF CUSTOMER CHOICE ** 91 * MCC_371A 00
4 transaction with a Mobile device not requesting On-Device cardholder verification.
This transaction must be run by Acquirers whose terminal supports Mastercard Paypass 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.

Case DE DE DE
MSR CONTACTLESS
0100 060150300009 1 N/A OF CUSTOMER CHOICE ** 91 * MCC_371B 00
5 transaction with a Mobile device indicating PIN verification successful.
This transaction must be run by Acquirers whose terminal supports Mastercard PayPass 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
0100 060150300011 1 N/A OF CUSTOMER CHOICE ** 91 * MCC_372 00
transaction with a Mobile device not requesting On-Device cardholder verification and transmits the Device Type correctly, if
6 supported.
This transaction must be run by Acquirers whose terminal supports Mastercard PayPass 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.

Case DE DE DE
MSR CONTACTLESS
transaction with a Mobile device requesting On-Device cardholder verification.
7
This transaction must be run by Acquirers whose terminal supports Mastercard PayPass 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
8 transaction with a Mobile device requesting On-Device cardholder verification.
This transaction must be run by Acquirers whose terminal supports Mastercard PayPass v3 and the CVM Required Limit is 0.
Amount of transaction must be below the Contactless Transaction Limit.

Case DE DE DE
MSR CONTACTLESS
9 transaction with a Mobile device indicating PIN verification successful.
This transaction must be run by Acquirers whose terminal supports Mastercard PayPass v3 and the CVM Required Limit is
greater than 0.
MSR CONTACTLESS
transaction with a Mobile device requesting On-Device cardholder verification.
10
This transaction must be run by Acquirers whose terminal supports Mastercard PayPass v3 and the Contactless Transaction
Limit is 0.
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,
Manuals_MP/ENG/MCQ/MCQ_Manual.pdf).
Requests
Case DE DE DE
MSR CONTACTLESS
0100 060151000001 1 N/A PURCHASE NO CVM 00 91 0 MCC_420 00
Authorization request meets the contactless magnetic stripe specific general acceptance criteria.
Purchase with mobile device token. Issuer and cardholder participating in Mastercard Digital Enablement Service.
0100: DE 4 (Amount, Transaction) must be 000000005633 to obtain appropriate data in response message.
1 0100: DE 48, SE 23, SF 1 (Device Type) valid value.
0100: 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.
Controller.
Authorization Requests and process the resulting Authorization Responses containing 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: Acquirers are mandated to support Account Level Management for MasterCard Enhanced Value (EV), Mastercard Product
Graduation (PG), Mastercard High Value (HV), and MastercCard Spend Shortfall.Debit Mastercard supports PG but not EV or HV.Test
cases 1-6 are for consumer cards, 7-10 are for World Mastercard and World Elite Mastercard Spend Shortfall cards, and 11-19 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.
Case DE DE DE
MSR PURCHASE
1 0100 060160100002 1 1 SIGNATURE 00 90 0 MCC_201 00
0110: DE 38 POSITION 6 = B (Account registered for ALM-EV)
MSR PURCHASE MCG_202

0100 060160100003 1 1 SIGNATURE 00 90 0 MDS_201 00
2 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)

Case DE DE DE
MSR PURCHASE
0100 060160100004 1 1 SIGNATURE 00 90 0 MPL_202 00
3
0110: DE 38 POSITION 6 = M (Account registered for both ALM-EV and ALM-PG and account graduated to product MCW)
0110: DE 63, SF 1 = MCW (World Mastercard Card)
MSR PURCHASE
4 0100 060160100005 1 1 SIGNATURE 00 90 0 MCW_203 00
0110: DE 38 POSITION 6 = S (Account qualifies for Mastercard High Value)
MSR PURCHASE
0100 060160100006 1 1 SIGNATURE 00 90 0 MPL_203 00
5
0110: DE 38 POSITION 6 = T (Account qualifies for Mastercard product graduation and Mastercard High Value)
0110: DE 63, SF 1 = MCW (World Mastercard Card)
MSR PURCHASE MCC_203

6 0100 060160100001 1 1 SIGNATURE 00 90 0 MDS_200 00
0110: DE 38 POSITION 6 = Z (Account range participates in ALM but account number does not)
MSR PURCHASE MWE_231

7 0100 060160100014 1 1 SIGNATURE 00 90 0 MCW_231 00
0110: DE 38, POSITION 6 = W (Spend Shortfall)

8 0100 060160100015 1 1 SIGNATURE 00 90 0 MCW_232 00
0110: DE 38, POSITION 6 = Y (Spend Shortfall and Product Graduation)

Case DE DE DE

0100 060160100016 1 1 SIGNATURE 00 90 0 MCW_230 00
9
0110: DE 38, POSITION 6 = Z (Account range contains accounts classified as Spend Shortfall but this account number is not
classified for Spend Shortfall)
MCB_261
MEB_261
MPC_261
10 MSR PURCHASE MWB_261
0100 060160100017 1 1 SIGNATURE 00 90 0 MAB_261 00
0110: DE 38 POSITION 6 = C (Level 1) indicates account participates in Small Business Spend Processing
MSR PURCHASE MCB_262

0100 060160100018 1 1 SIGNATURE 00 90 0 MWB_262 00
0110: DE 38 POSITION 6 = D (Level 1 and Product Graduation) indicates account participates in Mastercard Product
11 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
MCB_263
MEB_263
MPC_263
0100 060160100019 1 1 SIGNATURE 00 90 0 MAB_263 00
0110: DE 38 POSITION 6 = E (Level 2) indicates account participates in Small Business Spend Processing

Case DE DE DE
MSR PURCHASE MPC_264

0100 060160100020 1 1 SIGNATURE 00 90 0 MWB_264 00
0110: DE 38 POSITION 6 = F (Level 2 and Product Graduation) indicates account participates in Mastercard Product
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
MCB_265
MEB_265
MPC_265
0100 060160100021 1 1 SIGNATURE 00 90 0 MAB_265 00
0110: DE 38 POSITION 6 = G (Level 3) indicates account participates in Small Business Spend Processing
MSR PURCHASE MEB_266

0100 060160100022 1 1 SIGNATURE 00 90 0 MWB_266 00
0110: DE 38 POSITION 6 = H (Level 3 and Product Graduation) indicates account participates in Mastercard Product
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

Case DE DE DE
MCB_267
MEB_267
MPC_267
0100 060160100023 1 1 SIGNATURE 00 90 0 MAB_267 00
0110: DE 38 POSITION 6 = J (Level 4) indicates account participates in Small Business Spend Processing
MSR PURCHASE MAB_268

0100 060160100024 1 1 SIGNATURE 00 90 0 MWB_268 00
0110: DE 38 POSITION 6 = K (Level 4 and Product Graduation) indicates account participates in Mastercard Product
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
MCB_269
MSR PURCHASE MEB_269
18 0100 060160100025 1 1 SIGNATURE 00 90 0 MPC_269 00
0110: DE 38 POSITION 6 = Z indicates account non-participating but account range participates in Small Business Spend
Processing
Region)—Authorization Requests
Authorization Requests and process the resulting Authorization Responses containing Account Level Management information. The
Account Level Management information consists of the account category code in the approval response.

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.
NOTE: Canada acquirers are mandated to support Account Level Management for Mastercard Canada High Spend and Canada
Premium High Spend.
Case DE DE DE
MSR PURCHASE
1 0100 060160200001 1 1 SIGNATURE 00 90 0 MCC_901 00
MSR PURCHASE
2 0100 060160200002 1 1 SIGNATURE 00 90 0 MCC_902 00
0110: DE 38 POSITION 6 = B (Account registered for ALM - Canada High Spend)
MSR PURCHASE
3 0100 060160200003 1 1 SIGNATURE 00 90 0 MCC_903 00
0110: DE 38 POSITION 6 = S (Account registered for ALM - Canada Premium High Spend)
Authorization Requests and process the resulting Authorization Responses containing Account Level Management information. The
Account Level Management information consists of the account category code in the approval response and, if applicable, the
graduated product code.

The test card IDs and their associated PANs support testing of Mastercard Product Graduation, Mastercard Enhanced Value,
Mastercard Product Graduation, 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 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.
Case DE DE DE
MCC_220
MSR PURCHASE CVM OF MDS_220
1 0100 060160300001 1 1 CUSTOMER CHOICE 00 90 0 * MSI_220 00
MSR PURCHASE WITH MCC_220

CASH BACK CVM OF MDS_220
2 0100 060160300003 1 0 CUSTOMER CHOICE 09 90 0 * MSI_220 00
MCC_221
MSR PURCHASE CVM OF MDS_221
3
0110: DE 38 POSITION 6 = P (Account qualifies for product graduation only)
0110: DE 63, SF 1 = Graduated Product

Case DE DE DE

CASH BACK CVM OF MDS_221
4
0110: DE 38 POSITION 6 = P (Account qualifies for product graduation only)
MSR PURCHASE CVM OF MCC_222

5 0100 060160300007 1 1 CUSTOMER CHOICE 00 90 0 * MDS_222 00
0110: DE 38 POSITION 6 = B (Account registered for ALM - Enhanced Value)
MSR PURCHASE WITH

CASH BACK CVM OF MCC_222
6 0100 060160300009 1 0 CUSTOMER CHOICE 09 90 0 * MDS_222 00
0110: DE 38 POSITION 6 = B (Account registered for ALM - Enhanced Value)
MSR PURCHASE CVM OF MCC_223

0100 060160300010 1 1 CUSTOMER CHOICE 00 90 0 * MDS_223 00
7
0110: DE 38 POSITION 6 = M (Account qualifies for enhanced value and product graduation)
MSR PURCHASE WITH

CASH BACK CVM OF MCC_223
0100 060160300012 1 0 CUSTOMER CHOICE 09 90 0 * MDS_223 00
8
0110: DE 38 POSITION 6 = M (Account qualifies for enhanced value and product graduation)

Authorization Requests and process the resulting Authorization Responses containing ALM account category code in sixth position
of DE 38 and the graduated product code (if applicable) in DE 63, SF 1.
Acquirers must be prepared to use the account category code and, if applicable, the graudated product code in approved responses
when the PAN's account range, as found on the IPM MPE, indicates participation in Account Level Management.
NOTE: Austrailia acquirers are mandated to support Account Level Management for Mastercard Product Graduation.
Case DE DE DE

1 0100 060160400001 1 1 SIGNATURE 00 90 0 MDS_220 00
0110: DE 38, POSITION 6 = Z (Account range participates in ALM but account number does not)

0100 060160400003 1 1 SIGNATURE 00 90 0 MDS_221 00
2 Account graduated downward from platinum or gold to standard

0110: DE 38, POSITION 6 = P (Account registered for ALM-PG)
0110: DE 63, SF 1 contains graduated product code

Case DE DE DE

0100 060160400004 1 1 CASH BACK SIGNATURE 09 90 0 MDS_221 00
3 Account graduated upward from standard to platinum

0110: DE 38, POSITION 6 = P (Account registered for ALM-PG)
0110: DE 63, SF 1 contains graduated product code
The following test cases will test whether an acquirer's Dual Message authorization application can send Healthcare Real-time
Substantiation Authorization Requests, and process the resulting Authorization Request Responses.
This section addresses real-time substantiation at the Point-of-Service (POS) for qualified expenses incurred on a Flexible Spending
Account (FSA) and Healthcare Reimbursement Arrangement (HRA) cards when used at a merchant with a qualifying Inventory
Information Approved System (IIAS) or at a 90% merchant.

Case DE DE DE
MSR PURCHASE
0100 060190100001 1 1 SIGNATURE 00 90 0 MCS_184 00
Merchant verifies against IIAS and provides prescription eligibility amount equal to healthcare eligibility amount.
DE 48, SE 32 contains the merchant Mastercard Assigned ID
1 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.
MSR PURCHASE
0100 060190100002 1 1 SIGNATURE 00 90 0 MCS_185 00
Merchant verifies against IIAS and provides healthcare eligibility amount only.
[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.

Case DE DE DE
MSR PURCHASE
0100 060190100003 1 1 SIGNATURE 00 90 0 MCS_186 00
Merchant verifies against IIAS and provides healthcare and prescription eligibility amounts.
[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.

Case DE DE DE
MSR PURCHASE
0100 060190100004 1 1 SIGNATURE 00 90 0 MCS_188 10
0400 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 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals)
[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
MSR PURCHASE
0100 060190100006 1 1 SIGNATURE 00 90 0 MPX_101 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)

The following test case will test whether an acquirer's Dual Message authorization application for an acquirer in Poland that
participates as a MoneySend originating instution can submit MoneySend Cash2Card transactions in properly formatted
Authorization Request messages and receive the resulting response in Authorization Response messages.
Case DE DE DE
MSR PAYMENT MCS_086-087

TRANSACTION ONLINE DMC_001-005
0100 060190400001 1 1 PIN 28 90 0 V MSI_001-005 00
MoneySend Cash2Card transaction within Poland

1
DE 18 = 6538 (MoneySend intracountry) and DE 48tcc = P (Payment Transaction)
DE 48, SE 77 = C59 (MoneySend Cash2Card)
DE 108 and DE 124 containing mandatory MoneySend data
Service—Authorization Requests
The following test case will test whether an acquirer's Dual Message authorization application can send correctly formatted refund
Authorization Requests and process the resulting Authorization Responses.
These test cases address the Sweden Domestic Authorization Switching Service Refund service.

Service—Authorization Requests
Case DE DE DE
0100 060200100001 1 1 MSR REFUND SIGNATURE 20 90 0 MCS_501 00

1
Authorization Requests and Reversals and process the resulting Authorization Responses for card activation transactions.

Case DE DE DE
MSR PAYMENT
0100 060210300001 1 1 TRANSACTION NO CVM 28 90 0 PVL_101 00
0400 1 1 DE 39 = 00 00
DE 4 = 0 (Transaction; amount)
1 DE 48, SE 77 = C09 (Card Activation)

DE 61 (Point Of Sale [POS] data) SF 1, 3-5, and 10 must contain a value of zero
NOTE: Activation of pre-loaded PVL prepaid card must contain a zero amount.
Full reversal request to deactivate account due to the inability to forward response to merchant terminal or timeout waiting
for a response.

Case DE DE DE
MSR PAYMENT
0100 060210300002 1 1 TRANSACTION NO CVM 28 90 0 PVL_101 00
0400 1 1 DE 39 = 00 00
DE 4 = greater than zero (Transaction, amount)
2 DE 48, SE 77 = C09 (Card Activation)

DE 61 (Point of Sale [POS] Data) SF 1, 3-5, and 10 must contain a value of zero
NOTE: Activation plus initial load transactions must contain a non-zero amount.
Full reversal request to deactivate account due to the inability to forward response to merchant terminal or timeout waiting
for a response.
Requests, Advices and Reversals
The following test cases will test whether an acquirer's Dual Message authorization application can send DE 28 (Amount,
Transaction Fee) when applicable (from eligible convenience fee merchants or from surcharge merchants) in correctly formatted
Authorization Requests, Reversal Requests, and Authorization Advices and process the resulting Authorization Responses containing
DE 28.

Case DE DE DE

0100 060220100001 1 1 SIGNATURE 00 90 0 DMC_001-005 00
0400 1 1 DE 39 = 17 00
1
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.

0120 060220100002 1 1 SIGNATURE 00 90 0 DMC_001-005 00
2
Convenience fee or surcharge included in DE 28 and in DE 4 of request message and returned in response.
DE 60, SF 1 = 190 (Acquirer Processing System (APS) Approved)
Authorization Requests for Maestro Parking and Tollway transactions without cardholder verification and process the resulting

Case DE DE DE
MSR CAT LEVEL 2

1
0100: DE 4 amount within maximum allowed for Maestro magnetic stripe online transaction without cardholder verification.
0100: DE 18 = 4784 (Bridge and Road Fees, Tolls)
MSR CAT LEVEL 2

2
0100: DE 4 amount within maximum allowed for Maestro magnetic stripe online transaction without cardholder verification.
0100: DE 18 = 7523 (Automobile Parking Lots and Garages)
Requests, Advices, and Reversal
The following test cases will test whether an acquirer's Dual Message authorization application can send correctly formatted pre-
Authorization Requests and related Authorization Advice message for Automated Fuel Dispenser transactions.
First, customers must send the correctly formatted pre-Authorization Request on which the Authorization Advice is based.
Second, customers must send correctly formatted Authorization Advice for the completed amount of the transaction.
NOTE: Global acquirers use Reversal Request/0400 for an AFD zero amount completion whereas Europe acquirers may use
Authorization Advice/0120 to inform issuers of an AFD zero amount completion.

Requests, Advices, and Reversal
Case DE DE DE

0100 060240100001 1 1 PURCHASE NO CVM 00 90 2 DMC_001-005 00
0120 1 1 DE 39 = 00 00
DE 4 = one unit of major currency or the typical merchant maximum amount.

DE 18 = 5542 (Fuel Dispenser; Automated)
1 DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if support is mandated

DE 61, SF 7 = 4 (Preauthorized Request) optional usage
0120: DE 4 = final AFD amount (Amount, Transaction) and DE 39 = 00 (Approved)
0120: DE 48, SE 20 = S (Signature)
0120: DE 60, SF 1 = 191 (Acquirer Processing [APS] Completed Authorization Transaction)
0130: DE 48, SE 15 (Authorization System Advice Date and Time)

Case DE DE DE

0400 1 1 DE 39 = 17 00
DE 4 = one unit of major currency or the typical merchant maximum amount.

2
DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if support is mandated
0400: DE 39 contains appropriate response code for zero completion amount

0120 1 1 DE 39 = 00 00
Europe-acquired AFD preauthorized request approved and followed by zero amount completion advice.
0100: DE 4 = maximum amount determined by acquirer or merchant.
3
0100: DE 18 = 5542 (Fuel Dispenser, Automated) and DE 61, SF 7 = 4 (Preauthorized request)
0120: DE 4 = zero final AFD amount (Amount, Transaction) and DE 39 = 00 (Approved)

Case DE DE DE
MCS_082
MSR CAT LEVEL 2 DMC_082
0100 060240100006 1 1 PURCHASE NO CVM 00 90 2 PVL_182 10
0120 1 1 DE 39 = 00 00
AFD transaction with partial approval amount less than requested amount.
0100: DE 4 = 100 (transaction amount), DE 18 = 5542 (Automated fuel dispenser)
4 0100: DE 48, SE 61 position 1 = 1 (Merchant terminal supports receipt of partial approvals)
0110: DE 4 = Partial approval amount
0120: DE 4 = partial approval amount from 0110 and DE 39 = 00 (Approved)

Case DE DE DE
MCS_083
MSR CAT LEVEL 2 DMC_083
0100 060240100007 1 0 PURCHASE NO CVM 00 90 2 PVL_183 10
0120 1 0 DE 39 = 00 00
AFD transaction with partial approval amount greater than requested amount.
0100: DE 4 = 1 (transaction amount); DE 18 = 5542 (Automated fuel dispenser)
0100: DE 61, SF 7 = 4 (Preauthorized request)
5
0100: DE 48, SE 61 position 1 = 1 (Merchant terminal supports receipt of partial approvals)

Case DE DE DE
MSR CAT LEVEL 1

0100 060240100011 1 1 PURCHASE ONLINE PIN 00 90 1 V MSI_001-005 00
0120 1 1 DE 39 = null 00
Europe-acquired AFD preauthorized request approved and followed by completion advice.

DE 4 = maximum amount determined by acquirer or merchant.
6 DE 18 = 5542 (Fuel Dispenser, Automated).

DE 61, SF 7 = 4 (Preauthorized request).
0120: DE 4 = final AFD amount (Amount, Transaction) and DE 39 = 00 (Approved)
0120: DE 48, SE 20 = P (PIN)

Case DE DE DE
MSR CAT LEVEL 1

0100 060240100014 1 1 PURCHASE ONLINE PIN 00 90 1 V MSI_001-005 00
0120 1 1 DE 39 = 00 00
Europe-acquired AFD preauthorized request approved and followed by zero amount completion advice.
0100: DE 4 = maximum amount determined by acquirer or merchant.
7
0100: DE 18 = 5542 (Fuel Dispenser, Automated) and DE 61, SF 7 = 4 (Preauthorized request)
0120: DE 4 = zero final AFD amount (Amount, Transaction) and DE 39 = 00 (Approved)
0120: DE 48, SE 20 = P (PIN)

Case DE DE DE
MSR CAT LEVEL 1 MSI_082

0120 1 0 DE 39 = 00 00
AFD transaction and partial approval amount greater than requested amount.
0100: DE 4 = 20 (Amount, Transaction), DE 18 = 5542 (Automated fuel dispenser)
8 0100: DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals)

0120: DE 48, SE 20 = P (PIN)

Case DE DE DE

0120 1 0 DE 39 = 00 00
AFD transaction and partial approval amount greater than requested $1 preauthorized amount.
0100: DE 4 = 1 (Transaction amount), DE 18 = 5542 (Automated fuel dispenser)
9
0100: DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals.)
0120: DE 48, SE 20 = P (PIN)
Authorization Request
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.

Authorization Request
Case DE DE DE
MCS_001,200
MSR PURCHASE ONLINE DMC_001,200
0100 060260100001 1 1 PIN 00 90 0 V MSI_001,700 **
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'
MCS_001,200
MSR PURCHASE ONLINE DMC_001,200
0100 060260100002 1 1 PIN 00 90 0 V MSI_001,700 **
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'

Authorization Requests, Advices, and Reversals
Authorization Requests, Advices, and Reversals containing DE 48, SE 64 (Transit Program) with applicable values in SF 1 (Transit
Transaction Type Indicator) and SF 2 (Transportation Mode Indicator); and process the resulting Authorization Responses.
Authorization Requests, Advices, and Reversals
Case DE DE DE
MSR CONTACTLESS CAT

LEVEL 2 PURCHASE NO
0100 060300100001 1 N/A CVM 00 91 2 MCC_351 00
1
Pre-funded transit transaction type indicator with applicable transportation mode indicator
0100: DE 48, SE 64, SF 1 = 01 (Prefunded); SF 2 contains the applicable Transportation Mode Indicator.
MSR CONTACTLESS CAT

LEVEL 2 PURCHASE NO
0100 060300100002 1 N/A CVM 00 91 2 MCC_351 00
2
Real-time authorized transit transaction type indicator with applicable transportation mode indicator
0100: DE 48, SE 64, SF 1 = 02 (Real-time Authorized); SF 2 contains the applicable Transportation Mode Indicator.

Case DE DE DE
MSR CONTACTLESS
3 Post-authorized aggregated transit transaction type indicator with applicable transportation mode indicator
0100: DE 4 = one major unit of currency
0100: DE 48, SE 64, SF 1 = 03 (Post-Authorized Aggregated); SF 2 contains the applicable Transportation Mode Indicator.
MSR PURCHASE
0100 060300100004 1 N/A SIGNATURE 00 90 0 MCC_351 00
4
MSR PURCHASE
0100 060300100005 1 N/A SIGNATURE 00 90 0 MCC_351 00
5
MSR PURCHASE
0100 060300100006 1 N/A SIGNATURE 00 90 0 MCC_351 00
6
Other transit transaction type indicator with applicable transportation mode indicator
0100: DE 48, SE 64, SF 1 = 05 (Other); SF 2 contains the applicable Transportation Mode Indicator.

Case DE DE DE
MSR CONTACTLESS
7 Debt recovery transit transaction type indicator for cardholder via contactless tap entry and with applicable transportation
mode indicator.
0100: DE 48, SE 64, SF 1 = 07 (Debt Recovery); SF 2 contains the applicable Transportation Mode Indicator.
MANUAL ENTRY
8 Debt recovery transit transaction type indicator for cardholder via ticket office manual entry and with applicable
transportation mode indicator.
MSR PURCHASE ONLINE

0100 060300100021 1 N/A PIN 00 90 0 V MSI_405 00
9
MSR PURCHASE ONLINE

0100 060300100022 1 N/A PIN 00 90 0 V MSI_405 00
10

Case DE DE DE
MSR PURCHASE ONLINE

0100 060300100023 1 N/A PIN 00 90 0 V MSI_405 00
11
Other transit transaction type indicator with applicable transportation mode indicator
0100: DE 48, SE 64, SF 1 = 05 (Other); SF 2 contains the applicable Transportation Mode Indicator.
MANUAL ENTRY
0100 060300100024 1 N/A PURCHASE NO CVM 00 01 0 MSI_405 00
12 Debt recovery transit transaction type indicator for cardholder via ticket office manual entry and with applicable
transportation mode indicator.

Case DE DE DE
MSR CONTACTLESS
0400 1 N/A DE 39 = 32 00
Maestro Post-authorized Aggregated Transit Transaction type indicator with applicable transportation mode indicator.
0100: DE 4 can be for any amount and must not exceed the chargeback protection amount.
13 0100: DE 48, SE 64, SF 1 = 06 (Maestro Post-authorized Aggregated); SF 2 contains the applicable Transportation Mode
Indicator.
0110: DE 48, SE 33 (PAN Mapping Information) with real card PAN information provided by issuer.
0400: Partial reversal for unused transit travel.
NOTE: Maestro contactless magnetic stripe acceptance only applicable where permitted for domestic processing.
This test is for specific implementations in certain countries for domestic transactions where Maestro transactions
are initiated using Debit Mastercard cards. These tests should be initiated using cards from the NIV Test Tools
Subset 6 which currently only supplies MCC cards.

Case DE DE DE
MSR CONTACTLESS
0120 1 N/A DE 39 = 00 00
0100: DE 48, SE 64, SF 1 = 06 (Maestro Post-authorized Aggregated Transit Transaction); SF 2 contains the applicable
14 Transportation Mode Indicator.
0120: DE 4 contains authorization completion amount for transit travel. The 0120 is only available for usage by Europe region
card acceptors.
NOTE: Maestro contactless magnetic stripe acceptance only applicable where permitted for domestic processing.
This test is for specific implementations in certain countries for domestic transactions where Maestro transactions
are initiated using Debit Mastercard cards. These tests should be initiated using cards from the NIV Test Tools
Subset 6 which currently only supplies MCC cards.
Canada—Authorization Requests
Authorization Requests for domestic Debit Mastercard branded transactions in the Canada region and process the resulting

Canada—Authorization Requests
Case DE DE DE
MSR PURCHASE
0100 060310100001 1 1 SIGNATURE 00 90 0 DMC_227 00
Transaction initiated by Canada region merchant using Debit Mastercard card issued by Canada issuer when account is not
co-branded for domestic functionality:
1
0100: 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
MSR PURCHASE
0100 060310100002 1 1 SIGNATURE 00 90 0 DMC_225 81
Decline response code value 81 provided when domestic transaction is initiated by Canada region merchant using Debit
Mastercard card issued by Canada issuer when account range is set up for international only routing.
2
0100: 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

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.

Transactions—Authorization Requests
Case DE DE DE
MSR CONTACTLESS MCS_130

PURCHASE CVM OF DMC_130
0100 060355500001 1 N/A CUSTOMER CHOICE 00 91 0 * MSI_130 00
Merchant Presented QR Funding domestic transaction containing token PAN

DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000015633 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
1 available and required
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 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
0110: 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).
0110: DE 56 (Payment Account Data).

Case DE DE DE

Merchant Presented QR Funding domestic transaction containing non-token PAN

DE 2 (Primary Account Number) contains a PAN
2 DE 18 (Merchant Type) contains any valid value for Merchant Presented QR Funding
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
Reversal Requests
Authorization and Reversal Requests for Visa card transactions and process the resulting Authorization Responses.

Reversal Requests
Case DE DE DE
MSR PURCHASE
0100 060490000001 1 N/A SIGNATURE 00 90 0 VIS_100 00
1
0400 1 N/A DE 39 = 17 00
Visa card transaction containing DE 48, SE 36 (Merchant Verification Value).
MSR PURCHASE
0100 060490000002 1 N/A SIGNATURE 00 90 0 VIS_100 00
2
0400 1 N/A DE 39 = 00 00
Visa card transaction containing mandated DE 37 in correct format including Julian date in positions 1-4.
MSR PURCHASE
0100 060490000006 1 N/A SIGNATURE 00 90 0 VIS_106 00
3 Visa card transaction containing CPS request and CPS response information.
0100: 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 4-digit Visa validation code.
MSR PURCHASE
0100 060490000007 1 N/A SIGNATURE 00 90 0 VIS_107 00
0110: DE 48, SE 90 = A (CPS qualified) and DE 48, SE 91 contains 15-digit Visa transaction ID.

Case DE DE DE
MSR PURCHASE
0100 060490000008 1 N/A SIGNATURE 00 90 0 VIS_108 00
0110: DE 48, SE 90 = A (CPS qualified) and DE 48, SE 91 contains 4-digit Visa validation code and 15-digit Transaction ID.
MSR CONTACTLESS
0100 060490000011 1 N/A PURCHASE NO CVM 00 91 0 VIS_110 00
Visa-branded device token request submitted as an Account Status Inquiry Service authorization request.
6
0100: DE 4 equals zeros, DE 61, SF 7 = 8 (Account Status Inquiry Service)
0100: DE 48, SE 33, SF 6 (Token Requestor ID) may be provided by the merchant.
0110: DE 48, SE 33, SF 1 = C (Device Token), SF 2 (Token), and SF 5 (Token Assurance Level), and SF 6 (Token Requestor ID).
MSR CONTACTLESS
0100 060490000012 1 N/A PURCHASE NO CVM 00 91 0 VIS_111 00
Visa-branded device token purchase transaction containing CPS request and CPS response information.
0100: DE 4 equals purchase amount.
0100: DE 48, SE 33, SF 6 (Token Requestor ID) may be provided by the merchant.
7
0100: DE 48, SE 90 = Y (Request for Custom Payment Service participation)
0110: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 contains last 4 digits of Visa PAN, SF 5 (Token Assurance Level),
SF 6 (Token Requestor ID), and SF 7 (Primary Account Number, Account Range)
0110: DE 48, SE 85 = R (Account is regulated)

Case DE DE DE
MSR PURCHASE
0100 060490000021 1 N/A SIGNATURE 00 90 0 VIS_121 00
Visa card transaction containing CPS request and CPS response information as well as Visa Payment Service Indicators and
Visa Account Status. Acquirer does not send Dynamic Currency Conversion or U.S. Deferred Billing indicators.
8
0110: DE 48, SE 78, SF 1 = N (Spend assessment threshold level not met), SFs 2-6 all spaces and DE 48, SE 85 = N (Account is
non-regulated).
MSR PURCHASE
0100 060490000022 1 N/A SIGNATURE 00 90 0 VIS_122 00
Visa Account Status. Acquirer sends Dynamic Currency Conversion indicator.
9 0100: DE 48, SE 90 = Y (Request for Customer Payment Service participation)

0100: DE 48, SE 78, SF 1 = space, SF 2 = Y (Dynamic Currency Conversion), SFs 3-6 spaces
0110: DE 48, SE 78, SF 1 = B (Basic spend assessment threshold level met), SF 2 = Y, SFs 3-6 all spaces and DE 48, SE 85 = R
(Account is regulated).

Case DE DE DE
MSR PURCHASE
0100 060490000023 1 N/A SIGNATURE 00 90 0 VIS_123 00
Visa Account Status. Acquirer sends U.S. Deferred Billing indicator.

0100: DE 48, SE 78, SF 1 = space, SF 2 space, SF 3 = D (U.S. Deferred Billing), SFs 4-6 spaces
0110: DE 48, SE 78, SF 1 Q (Highest spend assessment threshold level met), SF 2 contains a space, SF 3 = D, SFs 4-6 all spaces
and DE 48, SE 85 = N (Account is non-regulated).
MSR PURCHASE
0100 060490000024 1 N/A SIGNATURE 00 90 0 VIS_124 00
Visa Account Status. Acquirer sends Dynamic Currency Conversion and U.S. Deferred Billing indicators.

0100: DE 48, SE 78, SF 1 = space, SF 2 = Y (Dynamic Currency Conversion), SF 3 = D (U.S. Deferred Billing), SFs 4-6 spaces
0110: DE 48, SE 78, SF 1 = space (no Visa spend qualification assessment provided), SF 2 = Y (Dynamic Currency Conversion),
SF 3 = D, SFs 4-6 all spaces and DE 48, SE 85 = R (Account is regulated).

Case DE DE DE
MSR PURCHASE
0100 060490000029 1 N/A SIGNATURE 00 90 0 VIS_100 00
0400 1 N/A DE 39 = 17 00
Visa Dynamic Currency Conversion Indicator transaction

DE 4 = 000000005600 to obtain appropriate data in response message from simulator
12
DE 48, SE 78, SFs 1, 3-6 contain spaces and SF 2 (Dynamic Currency Conversion Indicator) = Y (DCC was performed at POS)
0110 and 0410: DE 56 (Payment Account Data) is present
0400: DE 39 = 17 (Customer Cancellation) for a full reversal
CREDENTIAL ON FILE
PURCHASE SIGNATURE
0100 060490000031 1 1 OR NO CVM 00 10 0 VIS_100 00
13 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
Must contain all other appropriate DE 48 Visa specific subelements and other data

Case DE DE DE
CREDENTIAL ON FILE
PURCHASE SIGNATURE
0100 060490000032 1 1 OR NO CVM 00 10 0 VIS_100 00
14
DE 48, SE 86 (Relationship Participant Indicator) = C (Credential on File)
Must contain all other appropriate DE 48 Visa specific subelements and other data
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.
Requests
Case DE DE DE

0100 060500000001 1 1 SIGNATURE 00 90 0 DMC_190 00
1 0110: DE 123 contains receipt free text
NOTE: Applicable for Peru intracountry transactions.

Test Cases—ICC-based Operations
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.
Case DE DE DE
0100 060510100001 1 1 MSR PURCHASE NO CVM 00 90 0 PVA_101 05

1
0110: DE 39 = 05 (Do not honor)

The test cases listed in this section are applicable when upgrading to integrated circuit card (ICC)-based operations. Within this
section, both contact ICC-based operations and contactless ICC-based operations are addressed. Select and run test cases from This
tables where the acquirer supports the Business Transaction described for the test case.

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
The test cases in this section are described below.
Authorization Chip-specific General Acceptance Criteria

Unless otherwise specified in the comments field of each test case, the following conditions must be fulfilled with all chip
Authorization Request/0100 Messages:
• DE 14 (Date, Expiration) must be present.
• DE 22 (POS Entry Mode) subfield 1 (POS Terminal PAN Entry Mode) must be 05 (PAN auto-entry via chip).
• For transactions involving offline or online PIN CVM, 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 55 (Integrated Circuit Card [ICC]
System-Related Data) and DE 23 (Card Sequence Number) must be present, except when card 118 is used.
• When DE 55 (Integrated Circuit Card [ICC] System-Related Data) is present, the Authorization Request Cryptogram (ARQC) must
be successfully validated by the simulator.
• When DE 55 is present, only mandatory and optional tags must be included in DE 55.
• When DE 55 is present, all mandatory tags, including 9F34 (CVM Results), must be present.
• DE 61 (Point of Service [POS] Data), subfield 4 (POS Cardholder Presence) must be 0 (Cardholder present).
• DE 61 (Point of Service [POS] Data), subfield 11 (POS Card Data Terminal Input Capability Indicator) must be 5 (EMV specification
[compatible chip reader] and magnetic stripe reader), 8 (EMV specification [compatible chip reader], magnetic stripe reader and
key entry) or 9 (EMV specification [compatible chip reader] only). Acquirers whose terminals support Mastercard® contactless M/
Chip transactions may use a value of 3 (Contactless M/Chip [Proximity Chip]).

NOTE:
The value contained in DE 55 (ICC 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.
Reversal Chip-specific General Acceptance Criteria

The following conditions must be fulfilled with all Reversal Request/0400 messages:
• DE 22 (POS Entry Mode), subfield 1 (POS Terminal PAN Entry Mode) must be 05 (PAN auto-entry via chip).
• DE 61 (Point of Service [POS] Data), subfield 11 (POS Card Data Terminal Input Capability Indicator) must be 5 (EMV specification
[compatible chip reader] and magnetic stripe reader), 8 (EMV specification [compatible chip reader], magnetic stripe reader and
key entry) or 9 (EMV specification (compatible chip reader) only).
• DE 55 (ICC related data) is not present in 0400 Reversal messages.
NOTE: The response codes tested in both the Reversal Requests and Reversal Request Responses do not represent the full range
possible.
Reversals
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,
NOTE: Refer the Transaction Processing Rules manual regarding where Mastercard brand may be used for Purchase with Cash Back
transactions.

Reversals
Case DE DE DE
MCC_103
ICC PURCHASE DMC_103
1 0100 065000100001 1 N/A SIGNATURE 00 05 0 MSI_103 00
Authorization request meets the authorization Chip-specific general acceptance criteria
MCC_101
ICC PURCHASE OFFLINE DMC_101
2 0100 065000100003 1 N/A PIN 00 05 0 MSI_101 00
ICC CASH ADVANCE MCC_103

3 0100 065000100005 1 N/A SIGNATURE 17 05 0 DMC_103 00

4 0100 065000100007 1 N/A OFFLINE PIN 17 05 0 DMC_101 00

Case DE DE DE
MCC_104
ICC PURCHASE ONLINE DMC_104
0100 065000100009 1 N/A PIN 00 05 0 V MSI_104 00
5 0400 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

6 0100 065000100011 1 N/A ONLINE PIN 17 05 0 V DMC_104 00
MCC_104
ICC CAT LEVEL 1 DMC_104
7 0100 065000100013 1 N/A PURCHASE ONLINE PIN 00 05 1 V MSI_104 00
MCC_101
8 0100 065000100015 1 N/A PURCHASE OFFLINE PIN 00 05 1 MSI_101 00
MCC_105
9 0100 065000100017 1 N/A PURCHASE NO CVM 00 05 2 MSI_105 00

Case DE DE DE
MCC_105
10 0100 065000100019 1 N/A PURCHASE NO CVM 00 05 4 MSI_105 00
MCC_103,
0100 065000100020 1 N/A PURCHASE SIGNATURE 00 05 9 MSI_103 00

11
MCC_101
0100 065000100021 1 N/A PURCHASE OFFLINE PIN 00 05 9 MSI_101 00
mPOS device Phone/Tablet +Dongle without PIN Pad

12
DE 22, SF 2 (POS Terminal PIN Entry Mode) = 3 (Software Based PIN Entry Capability)

Case DE DE DE
MCC_104
0100 065000100021 1 N/A PURCHASE ONLINE PIN 00 05 9 V MSI_104 00
mPOS device Phone/Tablet with or without Dongle without PIN Pad

13
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)
MCC_104
ICC PURCHASE WITH DMC_104
14 0100 065000100023 1 N/A CASH BACK ONLINE PIN 09 05 0 V MSI_104 00
MCC_101
ICC PURCHASE WITH DMC_101
15 0100 065000100024 1 N/A CASH BACK OFFLINE PIN 09 05 0 MSI_101 00
ICC PURCHASE WITH MCC_103

0100 065000100025 1 N/A CASH BACK SIGNATURE 09 05 0 DMC_103 00
16

Table 0650002—Acquirer POS Credit and Debit—ICC Base—Technical Conditions—Authorization Requests

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.
Table 0650002—Acquirer POS Credit and Debit—ICC Base—Technical Conditions—Authorization Requests
Case DE DE DE
ICC BUSINESS DMC_111-112

TRANSACTION OF MCC_111-112
0100 065000200001 1 N/A CUSTOMER CHOICE ** 05 * * MSI_111-112 00
1 Authorization request meets the authorization Chip-specific general 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.

Case DE DE DE
ICC BUSINESS DMC_115

TRANSACTION OF MCC_115
0100 065000200003 1 N/A CUSTOMER CHOICE ** 05 * * MSI_115 00
2 Acquirer must support authorization response with no DE 55 (ICC System Related Data) after full grade request.
Authorization request meets the authorization Chip-specific general acceptance criteria plus the following.
Transaction must be approved.
ICC FALLBACK TO DMC_118

MAGNETIC STRIPE MCC_118
0100 065000200006 1 N/A PURCHASE SIGNATURE 00 80 0 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 (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.

The following test cases in this section will test whether a customer’s issuer Single Message authorization application can receive
Authorization Requests, process them, and return correctly formatted Authorization Responses under conditions which are specific
to all additional features available.
Requests
Authorization Requests for POS Balance Inquiry and process the resulting Authorization Responses.

Requests
Case DE DE DE
ICC POS BALANCE DMC_104

1 0100 065010100001 1 N/A INQUIRY ONLINE PIN 30 05 0 V MSI_104 00
Authorization request meets the authorization Chip-specific general acceptance criteria.
ICC POS BALANCE DMC_101

2 0100 065010100002 1 N/A INQUIRY OFFLINE PIN 30 05 0 MSI_101 00
Authorization request meets the authorization Chip-specific general acceptance criteria.
Mastercard Contactless M/Chip-specific General Acceptance Criteria

Unless otherwise specified in the comments field of each test case, the following conditions must be fulfilled with all contactless M/
Chip Authorization Request/0100:
• DE 22 (POS Entry Mode), subfield 1 (POS Terminal PAN Entry Mode) must be 07 (PAN auto-entry via contactless M/Chip).
• For transactions involving online PIN CVM, 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 present and must be 000, except when cards 411 or 412 are used.
• DE 55 (Integrated Circuit Card [ICC] System-Related Data) must be present and the Authorization Request Cryptogram (ARQC)
must be successfully validated by the simulator.

• DE 61 (Point of Service [POS] Data), subfield 11 (POS Card Data Terminal Input Capability Indicator) must be 3 (Contactless M/
Chip).
Transactions)—Authorization and Reversal Requests
The following test cases will test whether an acquirer's Dual Message authorization application can send correctly formatted ICC
contactless Authorization Requests for various business transactions and process the resulting Authorization Responses.
Transactions)—Authorization and Reversal Requests
Case DE DE DE
ICC CONTACTLESS
PURCHASE NO CVM OR MCC_405
0100 065010300001 1 N/A SIGNATURE 00 07 0 MSI_405 00
1 0400 1 N/A DE 39 = 17 00
Authorization request and reversal meets the contactless M/Chip-specific general acceptance criteria.
Full reversal for customer cancellation although DE 39 may be any valid value.

Case DE DE DE
ICC CONTACTLESS MCC_404

2
Authorization request meets the contactless M/Chip-specific general acceptance criteria.
Only required for debit where transactions are allowed over Maestro Contactless CVM Required Limit with Online PIN.
ICC CONTACTLESS CASH

3 0100 065010300003 1 N/A ADVANCE SIGNATURE 17 07 0 MCC_403 00
ICC CONTACTLESS CASH

4 0100 065010300004 1 N/A ADVANCE ONLINE PIN 17 07 0 V MCC_404 00
ICC CONTACTLESS CAT

LEVEL 1 PURCHASE MCC_404
5 0100 065010300005 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
ICC CONTACTLESS CAT

LEVEL 2 PURCHASE NO MCC_405
6 0100 065010300006 1 N/A CVM 00 07 2 MSI_405 00

Case DE DE DE
ICC CONTACTLESS CAT

7 0100 065010300009 1 N/A CVM 00 07 4 MSI_405 00
Authorization Requests, Reversals and Advices
The following test cases will test whether an acquirer's Dual Message authorization application can send correctly formatted ICC
contactless 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

Authorization Requests, Reversals and Advices
Case DE DE DE
ICC CONTACTLESS
BUSINESS TRANSACTION MCC_411-412
0100 065010400001 1 N/A OF CUSTOMER CHOICE ** 07 * * MSI_411-412 00
1
NOTE: Acquirers should execute this test case twice; once using card 411 and again using card 412.
ICC CONTACTLESS
BUSINESS TRANSACTION MCC_415
0100 065010400002 1 N/A OF CUSTOMER CHOICE ** 07 * * MSI_415 00
2
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.

Case DE DE DE

0400 1 N/A DE 39 = 17 00

3
0110: Authorization request response message will contain DE 48, SE 33 (PAN Mapping File Information) with real card PAN
information. Authorization request meets the contactless M/Chip-specific general acceptance criteria.
0400: Full reversal because of customer cancellation although DE 39 may be any valid value.
0410: Reversal request response message will contain DE 48, SE 33 (PAN Mapping File Information) with real card PAN
information.

Authorization advice meets the contactless M/Chip-specific general acceptance criteria.

4
0120: DE 60, SF 1 = 190 (APS approved) Authorization advice meets the contactless M/Chip-specific general acceptance
criteria.
0130: Authorization advice message will contain DE 48, SE 33 (PAN Mapping File Information) with real card PAN
information.

Case DE DE DE
ICC CONTACTLESS
5 Authorization request meets the contactless M/Chip-specific general acceptance criteria.
This test should only be executed by Acquirers supporting the Device Type field.
0100: Device Type = Card (DE 48, SE 23 = 00).
ICC CONTACTLESS
6 Authorization request meets the contactless M/Chip-specific general acceptance criteria.
This test should only be executed by Acquirers supporting the Device Type field.
0100: Device Type = Mobile (DE 48, SE 23 = 01).
ICC CONTACTLESS
AND CVM OF CUSTOMER MCC_420
0100 065010400011 1 N/A CHOICE ** 07 * * MSI_420 00
7 Mastercard Digital Enablement Service issuer PAN transaction.
0100: Acquirer must send DE 4 = 000000005600 to obtain appropriate data in response message.
Controller.

Case DE DE DE
ICC CONTACTLESS
AND CVM OF CUSTOMER MCC_420
0100 065010400012 1 N/A CHOICE ** 07 * * MSI_420 00
Mastercard Digital Enablement Service issuer token transaction was successfully mapped and validated.
8
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).
Controller.
Requests
Authorization Requests containing DE 48, SE 64 (Transit Program) with applicable values in SF 1 (Transit Transaction Type Indicator)
and SF 2 (Transportation Mode Indicator); and process the resulting Authorization Responses.

Requests
Case DE DE DE
ICC CONTACTLESS CAT

0100 065015100001 1 N/A CVM 00 07 2 MSI_406 00

1
0100: DE 55, tag 9F26 contains Transaction Certificate per Card Verification Results (byte 3 in tag 9F10) and Cryptogram
Information Data (tag 9F27).
ICC CONTACTLESS CAT

0100 065015100002 1 N/A CVM 00 07 2 MSI_406 00

2

Case DE DE DE
ICC CONTACTLESS

Post-authorized aggregated transit transaction type indicator with applicable transportation mode indicator
3
0100: DE 4 = one major unit of currency and DE 55 tag 9F02 is all zeros.
ICC CONTACTLESS

Authorized aggregated split clearing transit transaction type indicator with applicable transportation mode indicator
4 0100: DE 4 = .10 GBP for first request and DE 55 tag 9F02 is all zeros.
0100: DE 48, SE 64, SF 1 = 04 (Authorized Aggregated Split Clearing); SF 2 contains the applicable Transportation Mode
Indicator.

Case DE DE DE
ICC CONTACTLESS

5 0100: DE 4 = any amount (except GBP .10) for second and subsequent requests but not to exceed the applicable transaction
amount ceiling amount; and DE 55 tag 9F02 is all zeros.
Indicator.
ICC CONTACTLESS CAT

0100 065015100006 1 N/A CVM 00 07 2 MSI_405 00

6

Case DE DE DE


Debt recovery transit transaction type indicator for cardholder via M/Chip contactless tap and with applicable transportation
7
mode indicator.
ICC CONTACTLESS

Post-authorized aggregated transit transaction type indicator with applicable transportation mode indicator
8 0100: DE 4 = one major unit of currency and DE 55 tag 9F02 is all zeros.

Case DE DE DE
ICC CONTACTLESS

0100: DE 4 = .10 GBP for first request and DE 55 tag 9F02 is all zeros.
9
Indicator.
ICC CONTACTLESS

0100: DE 4 = any amount (except GBP .10) for second and subsequent requests but not to exceed the applicable transaction
10 amount ceiling amount; and DE 55 tag 9F02 is all zeros.
Indicator.

Case DE DE DE
ICC CONTACTLESS
0400 1 N/A DE 39 = 32 00

Post-authorized Aggregated Maestro Transit Transaction type indicator with applicable transportation mode indicator.
0100: DE 4 can be for any amount and must not exceed the chargeback protection amount; DE 55 tag 9F02 is all zeros.
11
0100: DE 48, SE 64, SF 1 = 06 (Post-authorized Aggregated Maestro); SF 2 contains the applicable Transportation Mode
Indicator.
0400: Partial reversal for unused transit travel; DE 39 = 32.

Case DE DE DE
ICC CONTACTLESS
0120 1 N/A DE 39 = 00 00

Post-authorized Aggregated Maestro Transit Transaction type indicator with applicable transportation mode indicator.
0100: DE 4 can be for any amount and must not exceed the chargeback protection amount; DE 55 tag 9F02 is all zeros.
12
0100: DE 48, SE 64, SF 1 = 06 (Post-authorized Aggregated Maestro); SF 2 contains the applicable Transportation Mode
Indicator.
0120: Authorization completion amount for transit travel. The 0120 is only available for usage by Europe region card
acceptors. DE 39 = 00 and DE 60 = 191.
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 that may contain optional DE 48, SE 33; and process the resulting Authorization Responses
containing DE 48, SE 33 when successful PAN mapping.

Requests
Case DE DE DE

Authorization request meets the contactless M/Chip specific general acceptance criteria.
0100: DE 48, SE 33, SF 6 (Token Requestor ID) optionally provided from merchant.
0110: DE 48, SE 33, SF 1 = M; 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.
Controller.
Account Status Inquiry (ASI) and Purchase or Purchase with Cash Back Authorization Requests and Advices for issuers participating in
the Cardholder Authentication Service, 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.

Case DE DE DE
MCC_121
ICC ASI PURCHASE DMC_121
0100 065170200001 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_122
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.

Case DE DE DE
MCC_121
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).
MCC_122
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).
MCC_121
0100 065170200005 1 N/A PIN 00 05 0 MSI_121 00
Purchase contact chip transaction successful authentication - transaction qualified for Cardholder Authentication Service Type
5 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.

Case DE DE DE
MCC_122
0100 065170200006 1 N/A PIN 00 05 0 MSI_122 00
6 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.
Authorization Requests for Maestro Parking and Tollway transactions without cardholder verification and process the resulting
The tests in this table require that the tester use test cards in the NIV Test Tools Subsets 3 and 7. For information about obtaining
Subsets 3 and 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: These tests should only be executed by European customers acquiring Maestro transactions for MCC 4784 (Bridge and Road
Fees, Tolls) or MCC 7523 (Automobile Parking Lots and Garages).

Case DE DE DE
ICC CAT LEVEL 2

DE 18 = 4784 (Bridge and Road Fees, Tolls)

1
DE 55 TAG 95 (TVR) byte 3 bit 8 = 1 (Cardholder verification was not successful)
DE 55 TAG 95 (TVR) byte 3 bit 5 = 1 (PIN entry required and PIN pad not present or not working). Required for Parking and
Tollway Acquirers who support contact chip.
ICC CAT LEVEL 2

CONTACTLESS
2 DE 18 = 4784 (Bridge and Road Fees, Tolls)

Tollway Acquirers who support contactless chip.

Case DE DE DE
ICC CAT LEVEL 2

The transaction amount must be 50 EUR or below (or local equivalent).

3 DE 18 = 7523 (Automobile Parking Lots and Garages)
Tollway Acquirers who support contact chip.
ICC CAT LEVEL 2

CONTACTLESS
4 The transaction amount must be 50 EUR or below (or local equivalent).
0100: DE 18 = 7523 (Automobile Parking Lots and Garages)
The following test cases will test whether an acquirer's Dual Message authorization application can send correctly formatted pre-
Authorization Requests and related Authorization Advice message for Automated Fuel Dispenser transactions.
First, customers must send the correctly formatted pre-Authorization Request on which the Authorization Advice is based.
Second, customers must send correctly formatted Authorization Advice for the completed amount of the transaction.

NOTE: Global acquirers use Reversal Request/0400 for an AFD zero amount completion whereas Europe acquirers may use
Authorization Advice/0120 to inform issuers of an AFD zero amount completion.
Case DE DE DE
ICC CAT LEVEL 2

0120 1 N/A DE 39 = 00 00
DE 4 = one unit of major currency or the typical merchant maximum amount

1
0120: DE 4 = final AFD amount (Amount, Transaction)
0120: DE 18 = 5542 (Fuel Dispenser, Automated)
0120: DE 48, SE 61, SF 1 = 1 (Partial Approval Terminal Support Indicator) if support is mandated
0120: DE 48, SE 63, SF 1 = DE 63 value from approved 0110 message

Case DE DE DE
ICC CAT LEVEL 2

0400 1 N/A DE 39 = 17 00

2
DE 48, SE 61, SF 1 = 1 ((Merchant terminal supports receipt of partial approvals) if support is mandated
ICC CAT LEVEL 2

AFD transaction with partial approval amount less than requested amount
3 0100: DE 37 (Retrieval Reference Number) must be same value as above Test Case Ref No for simulator to send appropriate
response data
0100: DE 48, SF 61 = 1 (Merchant terminal supports receipt of partial approvals)
0100: DE 61, SF 7 = 4 (Preauthorized Request) optional usage

Case DE DE DE
ICC CAT LEVEL 2

AFD transaction with partial approval amount greater than requested amount
response data
0100: DE 48, SE 61 SF 1 = 1 (Merchant terminal supports receipt of partial approvals)
ICC CAT LEVEL 2

AFD transaction and partial approval amount greater than requested amount
response data
0110: DE 4 = the partial approval amount

Case DE DE DE
ICC CAT LEVEL 2

AFD transaction and partial approval amount greater than requested $1 preauthorized amount
response data
ICC CAT LEVEL 2

0120 1 N/A DE 39 = 00 00
7 Surcharge amount applied by Automated Fuel Dispenser (AFD) registered merchant on the AFD completion advice
0100: DE 18 = 5542 (Automated Fuel Dispenser) and DE 28 not present
0120: DE 48, SE 63 = DE 63 value from approved 0110 message
0120: DE 60 = 191 (APS Completed Authorization Transaction) and DE 28 contains surcharge amount

Case DE DE DE
ICC CAT LEVEL 1

0100 065240100009 1 N/A PURCHASE OFFLINE PIN 00 05 1 MCC_101 00
0120 1 N/A DE 39 = 00 00

DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals) if support is mandated
DE 61, SF 7 = 4 (Preauthorized Request)
8
0120: DE 48, SE 20 = S
0120: DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals) if support is mandated

Case DE DE DE
ICC CAT LEVEL 1

0400 1 N/A DE 39 = 17 00

9
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

response data
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

response data
ICC CAT LEVEL 1

0120 1 N/A DE 39 = 00 00

Case DE DE DE
ICC CAT LEVEL 1

0120 1 N/A DE 39 = 00 00

15
0120: DE 48, SE 20 = P
0120: DE 48, SE 61, SF 1 = 1 (Merchant terminal supports receipt of partial approvals) if support is mandated

Case DE DE DE
ICC CAT LEVEL 1

0400 1 N/A DE 39 = 17 00

16
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

response data
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

response data
ICC CAT LEVEL 1

0120 1 N/A DE 39 = 00 00

Dual Message Clearing—Acquirer POS Credit and Debit
Chapter 2 Dual Message Clearing—Acquirer POS Credit and Debit

This chapter describes the test cases for conducting individual application testing and validation of a customer's Dual Message clearing
application.
Introduction...........................................................................................................................................................................................226
Test Case Table Notations—Dual Message Clearing........................................................................................................................... 227
Test Cases—Magnetic Stripe-based Operations...................................................................................................................................... 228
Customer-generated File................................................................................................................................................................... 228
Base Testing...................................................................................................................................................................................... 228
Table 1610001—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—All Business Transactions.......................228
Table 1610002—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Global Brand Compliance..................... 235
Table 1610005—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Financial Detail Addendum................... 236
Identification................................................................................................................................................................................ 245
Table 1610101—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Regional Specific
Interchange.................................................................................................................................................................................. 248
Table 1610125—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Transaction Integrity
Class............................................................................................................................................................................................ 250
Table 1610301—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Fleet Cards...................252
Table 1610401—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Contactless Magnetic
Stripe........................................................................................................................................................................................... 253
Processing.................................................................................................................................................................................... 254
Table 1610505—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Japan Domestic POS
Transactions PDS 0195..................................................................................................................................................................256

Table 1610580—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Colombia Domestic
Processing.................................................................................................................................................................................... 257
Management (U.S. and Canada Regions)...................................................................................................................................... 262
Management (Europe).................................................................................................................................................................. 265
Management (A/P Region)............................................................................................................................................................ 266
Table 1610901—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Private Label Card
Activation Plus Initial Load............................................................................................................................................................ 268
Table 1610960—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Chile Domestic
Processing.................................................................................................................................................................................... 269
Management (Affluent Spend Shortfall U.S. Region)..................................................................................................................... 275
Table 1612101—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Installment Payments
Processing (Philippines Credit).......................................................................................................................................................278
Table 1612102—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Installment and Non-
installment Payment Transactions (Brazil)...................................................................................................................................... 282
Table 1612110—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Installment Payment
Processing (Global)....................................................................................................................................................................... 283
Table 1612201—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Dynamic Currency
Conversion................................................................................................................................................................................... 284
Table 1612301—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Mastercard rePower
Load Value Payment Transaction................................................................................................................................................... 285
Table 1613001—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—MSR Contactless
Transit Aggregated Transactions....................................................................................................................................................286
Table 1613102—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Multi-Clearing..............287
File Generated by Mastercard............................................................................................................................................................ 288
Base Testing...................................................................................................................................................................................... 289

Table 1620001—Acquirer POS Credit and Debit—MSR Base—File Generated by Mastercard—All Business Transactions............... 289
Table 1620601—Acquirer POS Credit and Debit—MSR Base—File Generated by Mastercard—Mastercard Digital Enablement
Service (Device Tokens)................................................................................................................................................................. 292
Table 1620002—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—Fraud Notification
Service..........................................................................................................................................................................................293
Table 1620125—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—Transaction
Integrity Class............................................................................................................................................................................... 295
Table 1620501—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—EU Interchange
Fee Regulation..............................................................................................................................................................................298
Table 1620960—Acquirer POS Credit and Debit—MSR Product and Services—File Generated by Mastercard—Chile Domestic
Processing.................................................................................................................................................................................... 299
Customer-generated File................................................................................................................................................................... 300
Base Testing...................................................................................................................................................................................... 300
Table 1630001—Acquirer POS Credit and Debit—ICC Base—Customer-generated File—All Business Transactions........................ 301
Table 1630301—Acquirer POS Credit and Debit—ICC Product and Services—Customer-generated File—Contactless M/Chip....... 304
Table 1633001—Acquirer POS Credit and Debit—ICC Product and Services—Customer-generated File—ICC Contactless Transit
Aggregated Transactions.............................................................................................................................................................. 305
File Generated by Mastercard............................................................................................................................................................ 306
Table 1640001—Acquirer POS Credit and Debit—ICC Product and Services—File Generated by Mastercard—All Business
Transactions..................................................................................................................................................................................306

Introduction
Introduction
This chapter contains details about the test cases applicable to the Acquirer POS Credit and Debit business profile during individual
application testing and validation of a customer’s acquirer Dual Message clearing 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 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
• 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
described for both contact operations and contactless operations. Depending on the nature of the customer’s proposed operations,
test cases must be selected as follows:
• For customers undergoing testing and validation for contact operations, only those test cases described for standard operations
must be conducted.
• 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 have previously been
validated for upgrade to contact ICC-based operations.

Introduction
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
Test Case Table Notations—Dual Message Clearing

Notation Definition
1 Indicates the number of messages to be provided.


The test cases listed in this section are applicable to magnetic stripe-based operations only. Select the appropriate business
transactions from This tables and conduct the associated test cases.
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 containing correctly formatted clearing messages. All business transactions applicable to the customer’s
business activities are addressed, as are all message types.
Customers must take into account the following 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 via 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.
• Each Financial Detail Addendum message must be preceded by a First Presentment in the file.
• While the above points must be taken into account, the customer-generated file still must consist of the same message types and
number of messages that are indicated in the test case table.
Base Testing
Table 1610001—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—All Business 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 containing correctly formatted clearing messages. All business transactions applicable to the customer's
business activities are addressed, as are all message types.
NOTE: Test cases for Cash Advance business transactions in the below table apply to Mastercard (MCC) acceptance brand only.

Table 1610001—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—All Business Transactions
Test Test Case Ref

Case No SIM MTF M or C Business Transaction
Presentment/1240 - First Presentment
1 161000100001 1 1 M MASTERCARD MSR PURCHASE SIGNATURE
2 161000100011 1 1 M DEBIT MASTERCARD MSR PURCHASE SIGNATURE
3 161000100201 1 1 M MAESTRO MSR PURCHASE SIGNATURE
4 161000100002 1 1 M MASTERCARD MSR PURCHASE ONLINE PIN
5 161000100012 1 1 M DEBIT MASTERCARD MSR PURCHASE ONLINE PIN
6 161000100202 1 1 M MAESTRO MSR PURCHASE ONLINE PIN
7 161000100003 1 1 C MASTERCARD MSR CASH ADVANCE ONLINE PIN
8 161000100013 1 1 C DEBIT MASTERCARD MSR CASH ADVANCE ONLINE PIN
9 161000100004 1 1 C MASTERCARD MSR CASH ADVANCE SIGNATURE
10 161000100015 1 1 C DEBIT MASTERCARD MSR CASH ADVANCE SIGNATURE
11 161000100004 1 1 C MASTERCARD MSR CAT LEVEL 1 PURCHASE ONLINE PIN
12 161000100014 1 1 C DEBIT MASTERCARD MSR CAT LEVEL 1 PURCHASE ONLINE PIN

Test Test Case Ref

13 161000100006 1 1 C MASTERCARD MSR CAT LEVEL 2 PURCHASE NO CVM
14 161000100016 1 1 C DEBIT MASTERCARD MSR CAT LEVEL 2 PURCHASE NO CVM
19 161000100009 1 1 C MASTERCARD MSR CAT LEVEL 7 PURCHASE SIGNATURE
20 161000100019 1 1 C DEBIT MASTERCARD MSR CAT LEVEL 7 PURCHASE SIGNATURE
21 161000100060 1 1 C MASTERCARD MSR CAT LEVEL 9 PURCHASE ONLINE PIN

Any applicable business service level and IRD for this business transaction
PDS 0018 (Acceptance Data), SF 1 (mPOS Acceptance Device Type) = 0 (Dedicated mPOS Terminal with PCI compliant dongle [with
or without key pad])
PDS 0023 = CT9 (mPOS Acceptance Device)
Must contain all other appropriate transaction data for this business transaction

Test Test Case Ref

22 161000100160 1 1 C DEBIT MASTERCARD MSR CAT LEVEL 9 PURCHASE ONLINE PIN

23 161000100061 1 1 C MASTERCARD MSR CAT LEVEL 9 PURCHASE SIGNATURE


Test Test Case Ref

24 161000100161 1 1 C DEBIT MASTERCARD MSR CAT LEVEL 9 PURCHASE SIGNATURE

mPOS device Phone/Tablet without or with Dongle without PIN Pad

PDS 0018 (Acceptance Data), SF 1 (mPOS Acceptance Device Type) = 1 (Off the Shelf Mobile Device)

Test Test Case Ref


27 161000100010 1 1 C MASTERCARD MSR PAYMENT TRANSACTION NO CVM
28 161000100020 1 1 C DEBIT MASTERCARD MSR PAYMENT TRANSACTION NO CVM
29 161000100220 1 1 C MAESTRO MSR PAYMENT TRANSACTION NO CVM
30 161000100021 1 1 C DEBIT MASTERCARD MSR PURCHASE WITH CASH BACK SIGNATURE
31 161000100121 1 1 C MAESTRO MSR PURCHASE WITH CASH BACK SIGNATURE
32 161000100022 1 1 C DEBIT MASTERCARD MSR PURCHASE WITH CASH BACK ONLINE PIN
33 161000100122 1 1 C MAESTRO MSR PURCHASE WITH CASH BACK ONLINE PIN
Presentment/1240 - Reversal of First Presentment

Test Test Case Ref

34 161000100044 1 1 M MSR BUSINESS TRANSACTION OF CUSTOMER CHOICE
Fee Collection/1740 - Fee Collection (Member-generated)
Fee Collection/1740 - Reversal of Fee Collection (Member-generated)
Presentment/1240 - Second Presentment(Full)
Presentment/1240 - Second Presentment(Partial)
Presentment/1240 - Reversal of Second Presentment(Full)
Presentment/1240 - Reversal of Second Presentment(Partial)
Fee Collection/1740 - Fee Collection Return

Test Test Case Ref

41 161000100058 1 1 M NOT RELATED TO A BUSINESS TRANSACTION
Fee Collection/1740 - Reversal of Fee Collection Return
Table 1610002—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Global Brand Compliance
customer-generated file containing correctly formatted collection only messages. All business transactions applicable to a customer's
business activities are addressed.
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 1610002—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Global Brand Compliance
Test Test Case Ref

Presentment/1240 - First Presentment Collection Only
1 161000200001 1 1 M MSR PURCHASE SIGNATURE

Test Test Case Ref

2 161000200002 1 1 M MSR CASH ADVANCE SIGNATURE
3 161000200003 1 1 C MSR PURCHASE ONLINE PIN
4 161000200004 1 1 C MSR CASH ADVANCE ONLINE PIN
5 161000200005 1 1 C MSR CAT LEVEL 1 PURCHASE ONLINE PIN
6 161000200006 1 1 C MSR CAT LEVEL 2 PURCHASE NO CVM
9 161000200009 1 1 C MSR CAT LEVEL 7 PURCHASE SIGNATURE
10 161000200010 1 1 C MSR PAYMENT TRANSACTION NO CVM
11 161000200021 1 1 C MSR PURCHASE WITH CASH BACK SIGNATURE
12 161000200022 1 1 C MSR PURCHASE WITH CASH BACK ONLINE PIN
Table 1610005—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Financial Detail Addendum
customer-generated file that contains correctly formatted clearing messages. All business transactions applicable to a customer's
business activities that require Financial Detail Addendum are addressed.

Table 1610005—Acquirer POS Credit and Debit—MSR Base—Customer-generated File—Financial Detail Addendum
Test Test Case Ref

1 161000500001 1 1 C BUSINESS TRANSACTION OF CUSTOMER CHOICE
Must contain an appropriate DE 26 airline MCC code for the designated Financial Detail Addendum/1644 messages.
Administrative Request/1644 - Financial Detail Addendum
2 161000500001 1 1 C PASSENGER TRANSPORT DETAIL (GENERAL TICKET INFORMATION)
This message supports ticketing transactions for airline, railway, and travel agency transactions to provide passenger ticket
information for the cardholder.
3 161000500001 1 1 C PASSENGER TRANSPORT DETAIL (TRIP LEG DATA)
This message supports ticketing transactions for airline, railway, and travel agency transactions to provide detailed itinerary
Must contain an appropriate DE 26 railway MCC code for the designated Financial Detail Addendum/1644 messages.

Test Test Case Ref

5 161000500002 1 1 C PASSENGER TRANSPORT DETAIL (GENERAL TICKET INFORMATION)
This message supports ticketing transactions for airline, railway, and travel agency transactions to provide passenger ticket
6 161000500002 1 1 C PASSENGER TRANSPORT DETAIL (TRIP LEG DATA)
This message supports ticketing transactions for airline, railway, and travel agency transactions to provide detailed itinerary
information for the cardholder
7 161000500002 1 1 C PASSENGER TRANSPORT DETAIL (RAIL DATA)
This message supports ticketing information for railway transactions to provide detailed itinerary information for the cardholder.
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.
9 161000500004 1 1 C VEHICLE RENTAL DETAIL
This message provides detailed vehicle rental information for the cardholder.

Test Test Case Ref

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.
11 161000500005 1 1 C LODGING SUMMARY
This message provides detailed information about lodging accommodations and related expenses for the cardholder.
Must contain an appropriate DE 26 temporary services MCC code for the designated Financial Detail Addendum/1644 message.

Test Test Case Ref

13 161000500106 1 1 C TEMPORARY SERVICES
The Temporary Services detail addendum provides detailed information regarding the billing for services rendered on a temporary or
contract basis.
Must contain an appropriate DE 26 shipping/courier MCC code for the designated Financial Detail Addendum/1644 messages.
15 161000500007 1 1 C SHIPPING/COURIER SERVICES
The Shipping/Courier Service detail addendum provides detailed information regarding delivery or courier services.
Must contain an appropriate DE 26 payment transaction MCC code for the designated Financial Detail Addendum/1644 messages.

Test Test Case Ref

17 161000500008 1 1 C PAYMENT TRANSACTION DETAIL
This message supports data related to a program permitting Mastercard cardholders to receive payments from a money transfer
agent or a financial institution.
Must contain an appropriate DE 26 telecommunication transaction MCC code for the designated Financial Detail Addendum/1644
messages.
19 161000500009 1 1 C TELEPHONY BILLING (SUMMARY)
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.
20 161000500009 1 1 C TELEPHONY BILLING (DETAIL)
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.

Test Test Case Ref

Must contain an appropriate DE 26 travel agency MCC code for the designated Financial Detail Addendum/1644 messages.
22 161000500010 1 1 C TRAVEL AGENCY DETAIL
This message supports corporate transactions for travel agency transactions.

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.
24 161000500011 1 1 C LODGED ACCOUNT DETAIL
This message supports Lodged Account transaction information for corporate cardholders.

Test Test Case Ref

Must contain an appropriate DE 26 healthcare MCC code for the designated Financial Detail Addendum/1644 messages.
26 161000500012 1 1 C HEALTHCARE
The Financial Detail Addendum (Healthcare) provides a detailed description of the item purchased.
Must contain an appropriate DE 26 MCC code for the designated Financial Detail Addendum/1644 messages.
28 161000500013 1 1 C ELECTRONIC INVOICES (TRANSACTION DATA)
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.

Test Test Case Ref

29 161000500013 1 1 C ELECTRONIC INVOICES (PARTY INFORMATION)
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.
Must contain an appropriate DE 26 MCC code for the designated Financial Detail Addendum/1644 messages and conducted with a
Mastercard corporate card.
31 161000500014 1 1 C CORPORATE CARD COMMON DATA 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.
32 161000500014 1 1 C CORPORATE LINE ITEM DETAIL
This message supports a single corporate program transaction with multiple line item details.

Test Test Case Ref

Must contain an appropriate DE 26 MCC code for the designated Financial Detail Addendum/1644 messages and conducted with a
Mastercard corporate card.
34 161000500015 1 1 C GENERIC DETAIL
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.
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

Identification
Test Test Case Ref

1 161310100001 1 1 M MSR PURCHASE NO CVM
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

Test Test Case Ref


PDS 0208, SF 1 = Payment Facilitator is present (n-11)

DE 43 = Merchant Name (business as usual)


Interchange
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. All business transactions applicable to a customer's business activities
are addressed, but only for the first message type in the clearing cycle.
Refer to the Interchange Manual—Europe Region if customers are Europe region customers for information about the value to use
in this field.
Interchange
Test Test Case Ref

1 161010100001 1 1 C MASTERCARD BUSINESS TRANSACTION OF CUSTOMER CHOICE
Interregional transaction
Intraregional transaction
Intercountry transaction

Test Test Case Ref

Intracountry transaction
5 161010100005 1 1 C DEBIT MASTERCARD BUSINESS TRANSACTION OF CUSTOMER CHOICE
Intraregional transaction
Intercountry transaction
Intracountry transaction
9 161010100009 1 1 C MAESTRO BUSINESS TRANSACTION OF CUSTOMER CHOICE

Test Test Case Ref

Integrity Class
The following test cases will test whether an acquirer Dual Message clearing application for transactions acquired in U.S. region and
cards issued in U.S. region can support Transaction Integrity Class processing in Presentment messages.
NOTE: Transaction Integrity Class (TIC) will be required for specific IRDs in U.S. region BSA 2/010001 with Release 18.Q2 and
Mastercard may override interchange rates based on the TIC value beginning with Release 18.Q4.
Integrity Class
Test Test Case Ref


Test Test Case Ref

1 161012500001 1 1 C MSR PURCHASE SIGNATURE OR NO CVM
U.S. intraregional BSA 2/010001

Card Program ID: MCC and DMC; GCMS Product ID appropriate for submitted IRD
DE 3 (Processing Code), SF 1 = 00
DE 26 (CAB) = Any value within valid CAB Program for submitted IRD
PDS 0017 (Transaction Integrity Class) if indicated as mandatory in MPE table IP0052T contains any valid value including new value
00
PDS 0158, SF 4 (IRD) = any of the appropriate IRDs
Must contain the appropriate transaction data for submitted transaction type, MTI, and IRD

Card Program ID: DMC; GCMS Product ID appropriate for submitted IRD
00

Test Test Case Ref

3 161012500003 1 1 C MSR UNIQUE SIGNATURE OR NO CVM

00
Table 1610301—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Fleet Cards
customer-generated file using Fleet cards. All business transactions applicable to a customer's business activities are addressed, but
only for the first message type in the clearing cycle.
Table 1610301—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Fleet Cards
Test Test Case Ref


Test Test Case Ref

1 161030100001 1 1 C MSR PURCHASE SIGNATURE
2 161030100002 1 1 C CORPORATE CARD COMMON DATA REQUIREMENTS
3 161030100003 1 1 C CORPORATE LINE ITEM DETAIL
4 161030100004 1 1 C CORPORATE FLEET TRANSACTION INFORMATION
Magnetic Stripe
customer-generated file containing correctly formatted clearing messages. All business transactions applicable to a customer's
business activities are addressed, but only for the first message type in the clearing cycle.
Magnetic Stripe
Test Test Case Ref


Test Test Case Ref

1 161040100001 1 1 C MSR CONTACTLESS PURCHASE SIGNATURE
2 161040100002 1 1 C MSR CONTACTLESS PURCHASE ONLINE PIN
3 161040100003 1 1 C MSR CONTACTLESS CASH ADVANCE SIGNATURE
4 161040100004 1 1 C MSR CONTACTLESS CASH ADVANCE ONLINE PIN
5 161040100005 1 1 C MSR CONTACTLESS CAT LEVEL 1 PURCHASE ONLINE PIN
6 161040100006 1 1 C MSR CONTACTLESS CAT LEVEL 2 PURCHASE NO CVM
9 161040100009 1 1 C MSR CONTACTLESS PURCHASE WITH CASH BACK SIGNATURE
10 161040100010 1 1 C MSR CONTACTLESS PURCHASE WITH CASH BACK ONLINE PIN
Processing
customer-generated file for the Private Label Processing Interchange in clearing messages. All business transactions applicable to a
customer's business activities are addressed, but only for the first message type in the clearing cycle.

Processing
Test Test Case Ref

1 161050100001 1 N/A C MSR PURCHASE SIGNATURE
Can optionally submit these addenda in this order:

Financial Detail Addendum (Private Label Common Data)/1644
Financial Detail Addendum (Private Label Detail Line Item)/1644
2 161050100002 1 N/A C MSR CAT LEVEL 2 PURCHASE NO CVM



Test Test Case Ref


5 161050100005 1 N/A C MSR CAT LEVEL 7 PURCHASE SIGNATURE

6 161050100006 1 N/A C MSR PAYMENT TRANSACTION NO CVM

Table 1610505—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Japan Domestic
POS Transactions PDS 0195
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 1610505—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Japan Domestic
POS Transactions PDS 0195
Test Test Case Ref

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, 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
Domestic Processing
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. Certain business transactions applicable to customers'
business activities are addressed.

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.
Domestic Processing
Test Test Case Ref

1 161058000001 N/A 1 C MSR PURCHASE SIGNATURE
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 161058000002 N/A 1 C MSR CASH ADVANCE SIGNATURE
Cash advance transaction


Test Test Case Ref

3 161058000003 N/A 1 C MANUAL ENTRY MO/TO PURCHASE NO CVM
Purchase transaction with 3 installments

PDS 1001 to PDS 1018 with domestic data, PDS 0777 present, PDS 1012 present
4 161058000004 N/A 1 C MSR PURCHASE WITH CASH BACK SIGNATURE
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
Purchase transaction using MAID for 12 installments

6 161058000006 N/A 1 C MSR CAT LEVEL 9 PURCHASE SIGNATURE
Purchase transaction for 2 installments

7 161058000007 N/A 1 C ELECTRONIC COMMERCE PURCHASE NO CVM
Purchase transaction with installments


Test Test Case Ref

Purchase transaction for Utilities payment

PDS 1006 (Original Processing Code) = 150000
PDS 1001 to PDS 1018 with domestic data
Purchase transaction for Bill payment

PDS 1012 (Customer ID) = 123456789bb (test value)
PDS 1007 (Bill Payment/Top Up Data) present
Purchase transaction for Cellular phone top up payment

PDS 1012 (Customer ID) = 123456789bb (test value)
PDS 1007 (Bill Payment/Top Up Data) present

Test Test Case Ref

11 161058000011 N/A 1 C MSR PAYMENT SIGNATURE
Payment transaction
12 161058000012 N/A 1 C MANUAL ENTRY PAYMENT NO CVM
Payment transaction
13 161058000013 N/A 1 C MSR ACIERTA PURCHASE SIGNATURE
Acierta Purchase transaction, DE 38 = ACXXXX

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

Test Test Case Ref

15 161058000015 N/A 1 C ELECTRONIC COMMERCE PURCHASE NO CVM
Electronic Commerce Purchase transaction

PDS 0208, SF 1 = Payment Facilitator ID is present (n-11)
Management (U.S. and Canada Regions)
customer-generated file for Account Level Management in clearing messages. All business transactions applicable to a customer's
NOTE: These test cases apply to U.S. Region and Canada Region acquirers only.

Management (U.S. and Canada Regions)
Test Test Case Ref

DE 38, position 6 = S (Account qualifies for Mastercard High Value) and DE 63, positions 1—3 = MCW (World Mastercard Card) with
High Value IRD
Test account number MCW_203 should be used.
NOTE: U.S. region acquirer only
DE 38, position 6 = T (Account qualifies for Mastercard Product Graduation and High Value) and DE 63, positions 1—3 = MCW
(World Mastercard Card) with High Value IRD.
Test account number MPL_203 should be used.
NOTE: U.S.region acquirer only
Using MCC_103 (U.S. test card) or MCC_901 (Canada)

Business as usual DE 38, position 6 = Z (account range participates in ALM but account number does not)

Test Test Case Ref

Using MCC_101 (U.S. test card) or MCC_902 (Canada)

DE 38, position 6 = B (High Value and Premium High Spend)
DE 38, position 6 = B (Account registered for ALM — Canada High Spend)

Card ID MCC_902
Valid High Spend IRD
NOTE: Canada region acquirer only
DE 38, position 6 = S (Account registered for ALM — Canada Premium High Spend)
Card ID MCC_903
Valid Premium High Spend IRD
NOTE: Canada region acquirer only

Management (Europe)
customer-generated file for Account Level Management clearing messages. All business transactions applicable to a customer's
NOTE: These test cases apply to acquirers in the Europe Region D, European Economic Area (EEA) subregion that participate in
Account Level Management. These test cases require the use of Test Account Numbers in Appendix A of the Test Bins and Card Data
manual set up for Account Level Management testing. These test cases require the use of existing Intra-EEA IRDs available in the
Interchange Manual—Europe Region.
Management (Europe)
Test Test Case Ref

Account Level Management Indicator in DE 38 = P (Product Graduation or Co-Brand Proprietary Card program
DE 63, SF 1 Product Graduation product code
Test Account MCC_221 or MDS_221
Account Level Management Indicator in DE 38 = Z (account range participates in ALM but account number does not)

Test Test Case Ref

Account Level Management Indicator in DE 38 = B (Enhanced Value [Enhanced Value and High Spend])
Account Level Management Indicator in DE 38 = M (Enhanced Value [Enhanced Value and High Spend] and Product Graduation)
Test Account MCC_223
Account Level Management Indicator in DE 38 = P (Product Graduation)

Test Account MSI_221
Account Level Management Indicator in DE 38 = Z (Account Range participates in ALM but account number does not)
Test Account MSI_220
Management (A/P Region)
The following test cases will test whether a customer's acquirer Dual Message clearing application is able to build and send a valid
customer-generated file for the Introduction of Account Level Management Product Graduation Service in Australia in clearing
messages. All business transactions applicable to a customer's business activities are addressed, but only for the first message type in
the clearing cycle.

NOTE: These test cases apply to Acquirers in Australia for Product Graduation testing. Valid Test BINs and Test Cards can be found in
the Test BINs and Card Data manual, Appendix B, Test Bins and Appendix A Test Cards for Dual Message Operations.
For transactions that qualify for Product Graduation, the interchange program submitted must be valid for the product code in DE
63, subfield 2.
The list of consumer credit and debit card products in Australia that are eligible for Product Graduation can be found in the Account
Level Management User Manual on Publications.
Management (A/P Region)
Test Test Case Ref

DE 38 (Approval Code) position 6 = P (Account qualifies for Product Graduation)

DE 63 (Transaction Life Cycle) = graduated product in subfield 2 (Trace ID) as provided in the Authorization Request Reponse/0110
message for determining the appropriate interchange program to be submitted in clearing
Test Card ID MCC_221 or MDS_221

Test Test Case Ref

DE 38 (Approval Code) position 6 = Z (Account does not participate in Account Level Management processing although the account
range does participate).
DE 63 (Transaction Life Cycle) Subfield 2 (Trace ID) = licensed product
Test Card MCC_220 or MDS_220
Card Activation Plus Initial Load
customer-generated file for the Private Label Card Activation Plus Initial Load in clearing messages. All business transactions
applicable to a customer's business activities are addressed, but only for the first message type in the clearing cycle.
Card Activation Plus Initial Load
Test Test Case Ref


Test Test Case Ref

1 161090100001 1 1 C MSR PAYMENT NO CVM
DE 3, SF 1 = 28 (Payment Transaction)
PDS 0043 = C09 (Card Activation)
Processing
The following test cases will test whether a customers acquirer Dual Message clearing application is able to build and send a valid
customer-generated file for various Chile Domestic Processing clearing messages. Certain business transactions applicable to
customers business activities are addressed.
Processing
Test Test Case Ref

1 161096000001 0 1 M MSR PURCHASE ONLINE PIN
DE 4 = $120,000.00
DE26 (Card Acceptor Business Code [MCC])= 4511 (AIR CARRIERS, AIRLINES-NOT ELSEWHERE CLASSIFIED)
DE 43 (Merchant Name) = SKY AIRLINES

Test Test Case Ref

DE 4 = $100,000.00
DE26 (Card Acceptor Business Code [MCC])= 4784 (BRIDGE AND ROAD FEES, TOLLS)
DE 43 (Merchant Name) = COSTANERA NORTE
DE 4 = $75,000.00
DE26 (Card Acceptor Business Code [MCC])= 4899 (CABLE, SATELLITE, OTHER PAY TELEVISION, RADIO SVCS)
DE 43 (Merchant Name) = MOVISTAR
DE 4 = $60,000.00
DE26 (Card Acceptor Business Code [MCC])= 4900 (UTLTS-ELCTRC, GAS, HEATING OIL, SANITARY, WATER)
DE 43 (Merchant Name) = ABASTIBLE
DE 4 = $125,000.00
DE26 (Card Acceptor Business Code [MCC])= 5251 (HARDWARE STORES)
DE 43 (Merchant Name) = COVEPA

Test Test Case Ref

DE 4 = $130,000.00
DE26 (Card Acceptor Business Code [MCC])= 5311 (DEPARTMENT STORES)
DE 43 (Merchant Name) = FALABELLA
DE 4 = $80,000.00
DE26 (Card Acceptor Business Code [MCC])= 5411 (GROCERY STORES, SUPERMARKETS)
DE 43 (Merchant Name) = EXP LIDER
DE 4 = $85,000.00
DE 43 (Merchant Name) = ALVI
DE 4 = $90,000.00
DE 43 (Merchant Name) = SUPERMERCADO GRECIA

Test Test Case Ref

DE 4 = $65,000.00
DE26 (Card Acceptor Business Code [MCC])= 5541 (SERVICE STATIONS WITH OR WITHOUT ANCILLARY SERVICE)
DE 43 (Merchant Name) = COPEC
DE 4 = $110,000.00
DE26 (Card Acceptor Business Code [MCC])= 5814 (FAST FOOD RESTAURANTS)
DE 43 (Merchant Name) = BURGER KING
DE 4 = $145,000.00
DE26 (Card Acceptor Business Code [MCC])= 5912 (DRUG STORES, PHARMACIES)
DE 43 (Merchant Name) = SALCOBRAND
DE 4 = $150,000.00
DE26 (Card Acceptor Business Code [MCC])= 5912 (DRUG STORES, PHARMACIES)
DE 43 (Merchant Name) = C. VERDE

Test Test Case Ref

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)
DE26 (Card Acceptor Business Code [MCC])= 6536 (MONEYSEND - INTRACOUNTRY)

DE 43 (Merchant Name) = CHILEXPRESS MONEY SEND
DE 4 = $140,000.00
DE26 (Card Acceptor Business Code [MCC])= 8011 (DOCTORS, (NOT ELSEWHERE CLASSIFIED))
DE 43 (Merchant Name) = ORTOMEDICA
DE 4 = $70,000.00
DE26 (Card Acceptor Business Code [MCC])= 8211 (SCHOOLS, ELEMENTARY AND SECONDARY)
DE 43 (Merchant Name) = CFT SANTO TOMAS

Test Test Case Ref

DE 4 = $55,000.00
DE26 (Card Acceptor Business Code [MCC])= 8398 (ORGANIZATIONS, CHARITABLE AND SOCIAL SERVICES)
DE 43 (Merchant Name) = FUNDAC. LAS ROSAS
DE 4 = $50,000.00
DE26 (Card Acceptor Business Code [MCC])= 9311 (TAX PAYMENTS)
DE 43 (Merchant Name) = S.I.I.CONTRIBUCIONES
DE 4 = $115,000.00
DE26 (Card Acceptor Business Code [MCC])= 4511 (AIR CARRIERS, AIRLINES-NOT ELSEWHERE CLASSIFIED)
DE 43 (Merchant Name) = LAN
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)

Test Test Case Ref

Management (Affluent Spend Shortfall U.S. Region)
customer-generated file for the Account Level Management Affluent Spend Shortfall in clearing messages. All business transactions
Management (Affluent Spend Shortfall U.S. Region)
Test Test Case Ref


Test Test Case Ref

DE 3, SF 1 = 00 (Purchase [Goods and Services], or 18 (Unique Transaction requires unique MCC)

DE 38, Position 6 = W (Spend Shortfall)
DE 63 must be present
PDS 0002 = MWE
PDS 158, SF 4 = Valid World Interchange Program
Card ID MWE_231
Account participates in ALM-PG as MWE and account classified as ALM World Elite Mastercard Spend Shortfall

DE 38, Position 6 = Y (Spend Shortfall and Product Graduation)
PDS 0002 = MWE
Card ID MCW_232
Account participates in ALM-PG as MWE and account classified as ALM World Elite Mastercard Spend Shortfall

Test Test Case Ref


DE 38, Position 6 = P (Product Graduation or Co-Brand Proprietary Card program)
PDS 0002 = MWE
Card ID MWE_233
Account participates in ALM-PG as MWE

DE 38, Position 6 = Z (account range participates in ALM but account number does not)
PDS 0002 = MWE
Card ID MWE_230
ALM non-participating account but account range does participate in ALM

Test Test Case Ref

PDS 0002 = MWE

PDS 158, SF 4 = Valid World Elite Interchange Program
No ALM or Shortfall
PDS 0002 = MCW

No ALM or Shortfall
Payments Processing (Philippines Credit)
The following test cases will test whether a customer's aquirer 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. All business transactions
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.

Payments Processing (Philippines Credit)
Test Test Case Ref

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)

Test Test Case Ref


PDS 0158, SF 4 = 91 (Phillipines Intracountry Installment Tenure 2)


Test Test Case Ref




Table 1612102—Acquirer POS 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 1612102—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Installment and
Non-installment Payment Transactions (Brazil)
Test Test Case Ref

1 161210200001 1 1 M MSR PURCHASE SIGNATURE (NON-INSTALLMENT TRANSACTION)
DE 3 = 00 Purchase (Goods and Services) or 18 Unique Transaction (requires unique MCC)

PDS 158, SF 4 = Must be a valid Brazil Non-Installment Interchange program
PDS 0663 is not present
2 161210200002 1 1 M MSR PURCHASE SIGNATURE (INSTALLMENT WITH INTEREST TRANSACTION)

PDS 158, SF 4 = Must be a valid Brazil Non-Installment Interchange program
PDS 0663, position 1- 3 = 403 (with interest/issuer-financed)

Test Test Case Ref

3 161210200003 1 1 M MSR PURCHASE SIGNATURE (INSTALLMENT TRANSACTION)

PDS 0501, SF 1 = 99
PDS 0501, SF 2 = 000
PDS 158, SF 4 = Must be a valid Brazil Installment Interchange program
Payment Processing (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.
Payment Processing (Global)
Test Test Case Ref


Test Test Case Ref

1 161211000001 1 N/A C MSR PURCHASE SIGNATURE OR NO CVM
DE 4 (Transaction Amount) contains total purchase amount.

PDS 0181 (Installment Payment Data) contains subfields 1-7 wherein SF 1 = 20 (Issuer-Financed).
No new interchange programs apply to installment payments.
2 161211000011 1 N/A C MSR PURCHASE SIGNATURE OR NO CVM
DE 4 (Transaction Amount) contains total purchase amount.

PDS 0181 (Installment Payment Data) contains subfields 1-7 wherein SF 1 = 24 (Issuer Merchant Co-Financed).
No interchange programs apply specifically to installment payments.
NOTE: Acquirers may test receiving the Clearing daily raw data file containing data to settle their commissions.
Currency Conversion
customer-generated file for dynamic currency conversion clearing messages. All business transactions applicable to a customer's

Currency Conversion
Test Test Case Ref

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 must be present
rePower Load Value Payment Transaction
customer-generated file for Mastercard repower load value payment transactions processing in clearing messages. All business
transactions applicable to a customer's business activities are addressed, but only for the first message type in the clearing cycle.
NOTE: Acquirer Account Range must be included in the Business Service Arrangement (BSA) X/000509 to qualify for IRD ER.

rePower Load Value Payment Transaction
Test Test Case Ref

DE 26 (Card Acceptor Business [MCC] Code) = 6532 (Payment Transaction - Member Financial Institution)
DE 26 (Card Acceptor Business [MCC] Code) = 6533 (Payment Transaction - Merchant)
Transit Aggregated Transactions
The following test case will test whether an acquirer Dual Message clearing application can build and send a valid customer-
generated file containing correctly formatted clearing messages for Magnetic Stripe Contactless Transit Aggregated Transactions.
Test Test Case Ref


Test Test Case Ref

1 161300100001 1 1 C MSR CONTACTLESS PURCHASE NO CVM
Magnetic Stripe Contactless Transit Aggregated Transaction

Card Program ID: MCC or DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 3 (Processing Code), SF 1 = Any applicable values for submitted IRD
DE 26 (CAB) = Any values within CAB Program(s) for submitted IRD
PDS 0158, SF 4 (IRD) = Any applicable valid value
PDS 0210 (Transit Program) = Any applicable values for submitted IRD
Must contain the other appropriate transaction data for submitted IRD
Table 1613102—Acquirer POS 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 1613102—Acquirer POS Credit and Debit—MSR Product and Services—Customer-generated File—Multi-Clearing
Test Test Case Ref


Test Test Case Ref

1 161310200001 1 1 C MSR PURCHASE NO CVM

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/0100 message
DE 63 SF 2 = must be present and must match with value in the original Authorization/0100 message

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/0100 message
DE 63 SF 2 = must be present and must match with value in the original Authorization/0100 message
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 containing clearing messages. All business transactions applicable to a customer's business activities are
addressed, as are all message types.
The following points will be taken into account when building the files generated by Mastercard for transmission to the customer’s
host:
• If customers acquire in multiple transaction currencies, the file will contain at least one example of each of those currencies.

• 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 have been received and successfully processed by the customers’
host.
Base Testing
Table 1620001—Acquirer POS Credit and Debit—MSR 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
addressed, as are all message types.
Table 1620001—Acquirer POS Credit and Debit—MSR Base—File Generated by Mastercard—All Business Transactions
Test Test Case Ref

Retrieval Request/1644 - Retrieval Request
Retrieval Request/1644 - Reversal of Retrieval Request

Test Test Case Ref

Chargeback/1442 - First Chargeback(Full)
DE 54 data from the original First Presentment/1240 transaction will be included by the Clearing system if acquirer has opted to
receive this data.
5 162000100046 1 1 C MSR CASH ADVANCE SIGNATURE
DE 54 data from the original First Presentment/1240 transaction will be included by the Clearing system if acquirer has opted to
receive this data.
Chargeback/1442 - First Chargeback(Partial)
9 162000100068 1 1 C MSR CASH ADVANCE SIGNATURE
Chargeback/1442 - Reversal of First Chargeback(Full)

Test Test Case Ref

Chargeback/1442 - Reversal of First Chargeback(Partial)
Chargeback/1442 - Arbitration Chargeback(Full)
Chargeback/1442 - Arbitration Chargeback(Partial)
Chargeback/1442 - Reversal of Arbitration Chargeback(Full)
Chargeback/1442 - Reversal of Arbitration Chargeback(Partial)
Fee Collection/1740 - Fee Collection Return
Fee Collection/1740 - Reversal of Fee Collection Return

Test Test Case Ref

Enablement Service (Device Tokens)
The following test cases will test weather an acquirer Dual Message clearing application is able to receive additional data in PDS
0001 (Mastercard Mapping Service Account Number) in Chargeback and Retrieval Requests messages for tokenized transactions.
Enablement Service (Device Tokens)
Test Test Case Ref

Account participating in Mastercard Digital Enablement Service

DE 2 = Token
DE 22 SF 7 = B (Magnetic stripe reader input; track data captured and passed unaltered)
PDS 0001 SF 1 = TC (Subfield 2 contains a primary account number. Mapping was based on a source other than the authorization
logs)
PDS 0001 SF 2 = PAN
Retrieval Request/1644 - Retrieval Request

Test Test Case Ref

Account participating in Mastercard Digital Enablement Service

DE 2 = Token
DE 22 SF 7 = B (Magnetic stripe reader input; track data captured and passed unaltered)
PDS 0001 SF 1 = TC (Subfield 2 contains a primary account number. Mapping was based on a source other than the authorization
logs)
PDS 0001 SF 2 = PAN

Notification Service
The following test cases will test whether a customer's acquirer Dual Message clearing application is able to receive a valid file
generated by Mastercard for the Fraud Notification Service in clearing messages. All business transactions applicable to a customer's
NOTE: These test cases apply to global acquirers. PDS 0200 will be present in a chargeback message when the primary account
number and expiration date (if provided) has two previous fraud chargebacks, listed in the Fraud Notification Servive (FNS) file. The
date in PDS 0200 will reflect the GCMS Processing Date in PDS 0158, subfield 5 of the second fraud chargeback message.

Notification Service
Test Test Case Ref

DE 25 = 4837 (Fradulent transaction; no cardholder authorization)

PDS 0200 SF 1 = GCMS Processing Date of the second fraud chargeback
PDS 0200 SF 2 = Total number of fraud related chargebacks for the account
DE 25 = 4847 (Fradulent transaction; exceeds qualified limit and not authorized)

DE 25 = 4840 (Fradulent processing of transaction)


Test Test Case Ref

DE 25 = 4862 (Counterfeit transaction; magnetic stripe POI fraud)

DE 25 = 4863 (Cardholder does not recognize—Potential fraud)

Integrity Class
The following test cases will test whether an acquirer Dual Message clearing application for transactions acquired in U.S. region and
cards issued in U.S. region can support Transaction Integrity Class processing in Chargeback messages.
NOTE: Transaction Integrity Class (TIC) will be required for specific IRDs in U.S. region BSA 2/010001 with Release 18.Q2 and
Mastercard may override interchange rates based on the TIC value beginning with Release 18.Q4.

Integrity Class
Test Test Case Ref


00

Test Test Case Ref


DE 54, SF 2 (Amount Type) = 40 (Amount, Cash Back)
00
3 162012500003 1 1 C MSR UNIQUE SIGNATURE OR NO CVM

00

Interchange Fee Regulation
The following test case will test whether an acquirer's Dual Message clearing application is able to receive transactions with the Rate
Indicator in PDS 158, SF 13 identifying transaction as qualified for Europe domestic centrally acquired, regulated interchange rates.
NOTE: To assist customers in complying with the European regulation on interchange fees for domestic centrally acquired consumer
transactions, Mastercard will use the following criteria to validate a consumer transaction as qualified for Europe domestic centrally
acquired, regulated interchange rates:
• The merchant country, issuer country, and acquirer country must have the Europe Cross-Border Acquiring Regulated Rate service
that will identify eligible countries.
• The merchant country must equal the issuer country and the merchant country must not equal the acquirer country.
• The merchant country, issuer country, and acquirer country must have the Europe Cross-Border Acquiring Regulated Rate service
that will identify eligible product codes.
• The business service arrangement is intracountry or member-to-member.
• In DE 3 (Processing Code), values 00 (Purchase), 09 (Purchase with Cash Back), or 18 (Unique Transaction [requires unique MCC])
must be populated in the Clearing Message.
Interchange Fee Regulation
Test Test Case Ref


Test Test Case Ref

Base interchange rate is greater than the regulated capped interchange rate.
PDS 158, SF 13 = E (Transaction qualified; Interchange fee adjusted)
PDS 146, SF 5 = adjusted interchange rate
Base interchange rate is greater than the regulated capped interchange rate.
PDS 158, SF 13 = F (Transaction qualified; Interchange fee not adjusted)
PDS 146, SF 5 = original interchange rate
Domestic Processing
The following test cases will test whether a customers acquirer Dual Message clearing application is able to receive a valid
Mastercard-generated file for various Chile Domestic Processing clearing messages. Certain business transactions applicable to
customers business activities are addressed.
Domestic Processing
Test Test Case Ref


Test Test Case Ref

DE 4 = $125,000.00
DE26 (Card Acceptor Business Code [MCC])= 5251 (HARDWARE STORES)
DE 43 (Merchant Name) = COVEPA
DE 4 = $110,000.00

The test cases listed in this section are applicable when upgrading to ICC-based operations. Select the appropriate business
transactions from This tables and conduct the associated test cases.
Customer-generated File
The following test cases will test whether a customer’s acquirer Dual Message clearing application can build and send a valid
business activities are addressed, as are all message types affected by ICC-based operations.
Base Testing

Table 1630001—Acquirer POS Credit and Debit—ICC Base—Customer-generated File—All Business Transactions
member-generated file containing correctly formatted clearing messages. All business transactions applicable to a customer's
business activities are addressed, as are all message types affected by integrated circuit card (ICC)-based operations.
Table 1630001—Acquirer POS Credit and Debit—ICC Base—Customer-generated File—All Business Transactions
Test Test Case Ref

1 163000100001 1 1 C ICC PURCHASE SIGNATURE
2 163000100002 1 1 C ICC PURCHASE OFFLINE PIN
3 163000100003 1 1 C ICC CASH ADVANCE SIGNATURE
4 163000100004 1 1 C ICC CASH ADVANCE OFFLINE PIN
5 163000100005 1 1 C ICC PURCHASE ONLINE PIN
6 163000100006 1 1 C ICC CASH ADVANCE ONLINE PIN
7 163000100007 1 1 C ICC CAT LEVEL 1 PURCHASE ONLINE PIN, OR MASTERCARD ICC CAT LEVEL 1
PURCHASE OFFLINE PIN
8 163000100008 1 1 C ICC CAT LEVEL 2 PURCHASE NO CVM

Test Test Case Ref

11 163000100011 1 1 C ICC CAT LEVEL 4 PURCHASE NO CVM (APPROVED OFFLINE)
12 163000100012 1 1 C ICC PAYMENT TRANSACTION NO CVM
13 163000100024 1 1 C ICC PURCHASE WITH CASH BACK ONLINE PIN, OR ICC PURCHASE WITH CASH
BACK OFFLINE PIN
14 163000100026 1 1 C ICC CAT LEVEL 9 PURCHASE ONLINE PIN


Test Test Case Ref

15 163000100027 1 1 C ICC CAT LEVEL 9 PURCHASE SIGNATURE




Chip
Chip
Test Test Case Ref

1 163030100001 1 1 C ICC CONTACTLESS PURCHASE SIGNATURE
2 163030100002 1 1 C ICC CONTACTLESS PURCHASE ONLINE PIN
3 163030100003 1 1 C ICC CONTACTLESS CASH ADVANCE SIGNATURE
4 163030100004 1 1 C ICC CONTACTLESS CASH ADVANCE ONLINE PIN
5 163030100005 1 1 C ICC CONTACTLESS CAT LEVEL 1 PURCHASE ONLINE PIN
6 163030100006 1 1 C ICC CONTACTLESS CAT LEVEL 2 PURCHASE NO CVM
7 163030100007 1 1 C ICC CONTACTLESS CAT LEVEL 3 PURCHASE NO CVM

Table 1633001—Acquirer POS Credit and Debit—ICC Product and Services—Customer-generated File—ICC Contactless
The following test case will test whether an acquirer Dual Message clearing application can build and send a valid customer-
generated file containing correctly formatted clearing messages for M/Chip Contactless Transit Aggregated Transactions.
Table 1633001—Acquirer POS Credit and Debit—ICC Product and Services—Customer-generated File—ICC Contactless
Test Test Case Ref

1 163300100001 1 1 C ICC CONTACTLESS PURCHASE NO CVM
ICC Contactless Transit Aggregated Transaction

Card Program ID: MCC, DMC
GCMS Product ID: Any applicable product codes for submitted IRD
DE 3 (Processing Code), SF 1 = Any applicable values for submitted IRD
DE 22, SF 7 = M (PAN auto-entry via contactless M/Chip)
DE 26 (CAB) = Any values within CAB Program(s) for submitted IRD
PDS 0158, SF 4 (IRD) = Any applicable valid value
PDS 0210 (Transit Program) = Any applicable values for submitted IRD
Must contain the other appropriate transaction data for submitted IRD

File Generated by Mastercard

The following test cases will test whether a customer’s acquirer Dual Message clearing application can receive and process a valid file
addressed, as are all message types affected by ICC-based operations.
Refer to the Products and Services section for Mastercard® Contactless

Transactions
The following test caes will test whether a customer's acquirer Dual Message clearing application can receive and process a valid file
addressed, as are all message types affected by integrated circuit card (ICC)-based operations.
Transactions
Test Test Case Ref

1 164000100001 1 1 C ICC PURCHASE SIGNATURE
2 164000100002 1 1 C ICC PURCHASE OFFLINE PIN
3 164000100003 1 1 C ICC CASH ADVANCE SIGNATURE

Test Test Case Ref

4 164000100004 1 1 C ICC CASH ADVANCE OFFLINE PIN
5 164000100005 1 1 C ICC PURCHASE ONLINE PIN
6 164000100006 1 1 C ICC CASH ADVANCE ONLINE PIN
7 164000100007 1 1 C ICC CAT LEVEL 1 PURCHASE ONLINE PIN, OR ICC CAT LEVEL 1 PURCHASE
OFFLINE PIN
11 164000100011 1 1 C ICC PAYMENT TRANSACTION NO CVM
12 164000100023 1 1 C ICC PURCHASE WITH CASH BACK ONLINE PIN, OR ICC PURCHASE WITH CASH
BACK OFFLINE PIN

Dual Message Integrated Authorization and Clearing—Acquirer POS Credit and Debit
Chapter 3 Dual Message Integrated Authorization and Clearing—Acquirer POS

Credit and Debit
This chapter describes the test cases for conducting individual application testing and validation of the customer’s Dual Message
integrated authorization and clearing application.
Introduction...........................................................................................................................................................................................309
Test Case Table Notations—Integrated Authorization and Clearing.................................................................................................... 309
Test Cases—Acquirer POS Credit and Debit............................................................................................................................................310
Table 2550001—Acquirer POS Credit and Debit—Base Testing..........................................................................................................311
Message Flows—Acquirer POS Credit and Debit—Mandatory Business Transactions...............................................................................312
Table 2550201—Test Procedures—Mandatory Business Transactions................................................................................................. 314

Introduction
Introduction
This chapter contains details about the test cases applicable to the Acquirer POS Credit and Debit business profile during integrated
application testing and validation of a customer’s acquirer Dual Message authorization and clearing applications.
NOTE:
When conducted for the purposes of integrated testing, these test cases are designed to take three days.
When conducted for a customer's 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.
Test Case Table Notations—Integrated Authorization and Clearing

Notation Definition

Test Cases—Acquirer POS Credit and Debit
Notation Definition
—

The following test cases will test whether a customer’s acquirer authorization and clearing applications are able to successfully
process the complete transaction life cycle by addressing all messages exchanged during authorization, clearing, and any subsequent
exception cycle. A 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.
The test cases cover all possible 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:
During integrated application testing for purposes of integrated testing, customers must be capable of supporting all six GCMS
clearing cycle cut-off times.
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 2550001—Acquirer POS Credit and Debit—Base Testing

This table lists the test cases applicable to the Acquirer POS Credit and Debit business profile. Select the appropriate business
transactions in the table and follow the message flows described.
Table 2550001—Acquirer POS Credit and Debit—Base Testing
0400/04
0100
20
Messag 1240 Messages
Test Messag
Test Case Ref Test Card es
Case M or C Business Transactions es
No ID
ID No.
No. of RC in RC in RC in No. of
of
0100s 0110 Rev Resp 1240s
Rev
1 17 00 –
MSI_001–5 2 00
1 32 00 1
25500010000
1 M Maestro MSR purchase online PIN MSI_001–5 6 00 – – – 6
1
MSI_008 1 05 – – – –
MSI_009 1 51 – – – –

Message Flows—Acquirer POS Credit and Debit—Mandatory Business Transactions
0400/04
0100
20
Messag 1240 Messages
Test Messag
Test Case Ref Test Card es
Case M or C Business Transactions es
No ID
ID No.
No. of RC in RC in RC in No. of
of
0100s 0110 Rev Resp 1240s
Rev
MSI_011 1 55 – – – –
25500010000
2 M Maestro MSR purchase signature MSI_001–5 1 00 – – – 1
2
25500010000 Maestro MSR CAT level 1 purchase

3 C MSI_001–5 1 00 – – – 1
3 online PIN
25500010000 Maestro MSR purchase with cash

4 C MSI_001–5 1 00 – – – 1
4 back online PIN
25500010000 Maestro MSR purchase with cash

5 C MSI_001–5 1 00 – – – 1
5 back signature
25500010000 Maestro MSR payment

6 C MSI_001–5 1 00 – – – 1
6 transaction no CVM

This figure shows the message flows for the mandatory business transactions.


Table 2550201—Test Procedures—Mandatory Business Transactions

This table describes the test procedures for the mandatory business transactions within the Acquirer POS Credit and Debit business
profile.
Table 2550201—Acquirer POS Credit and Debit—Test Procedures—Mandatory Business Transactions
Step Test Case Ref No Day Action
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 response code 05
Day 1—
1 255020100001 • One using the card number that triggers response code 61
morning
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
Day 1— sends an Authorization Response with the appropriate response code.
2 255020100002
morning Customers must check that they receive the correct number of response
messages with the expected response codes (as shown in Table 25.1).
Using two of the approved authorization messages, customers must send:

Day 1—
3 255020100003 • One partial Reversal Advice message containing response code 32
morning
• One full Reversal Advice message containing response code 17

Day 1— For each correct Reversal Advice, the Mastercard Test Facility sends back a
4 255020100004 Reversal Advice Response message containing response code 00.
morning
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 message based on the amount
5 255020100005 in the partial Reversal Advice message.
before 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.
The MTF responds to each First Presentment message with one of the
Day 2— following messages:
6 255020100006
morning • First Presentment accepted (no response)
• Retrieval Request
• First Chargeback
• Partial First Chargeback
All messages will be delivered in the file generated by Mastercard.

Customer do not have to respond to the Retrieval Request messages.

For each First Chargeback, customers must send a Second Presentment.
Day 2—
7 255020100007 For each Partial First Chargeback, customers must send a Partial Second
before COB Presentment for the 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.
8 255020100008 Day 3 For each Partial Second Presentment received, 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 purposes of an integrated testing,

Day 3— customers must contact their Customer Implementation project manager on
9 255020100009
before COB Day 3 to confirm that the integrated testing has been completed (for all
mandatory, and if appropriate, conditional business transactions).

Single Message Financial and Exception—Acquirer POS Credit and Debit
Chapter 4 Single Message Financial and Exception—Acquirer POS Credit and

Debit
This chapter describes the test cases for conducting individual application testing and validation of a customer's Single Message financial
application.
Introduction...........................................................................................................................................................................................320
Table Notations—Single Message Financial, Exception and Reporting................................................................................................ 320
Test Cases—Magnetic Stripe-based Operations...................................................................................................................................... 321
Base Testing...................................................................................................................................................................................... 321
Table 3100001—Acquirer POS Credit and Debit—MSR Base—Day One Transactions—Financial Transaction Requests, Advices
and Reversals................................................................................................................................................................................322
Table 3100002—Acquirer POS Credit and Debit—MSR Base—Day Two Transactions—Financial Transaction Requests, Advices
and Reversals................................................................................................................................................................................328
Transaction Requests.................................................................................................................................................................... 331
Requests, Advices, Reversals......................................................................................................................................................... 332
Transaction Request......................................................................................................................................................................338
Transaction Requests and Reversals...............................................................................................................................................339
Table 3100501—Acquirer POS Credit and Debit—MSR Product and Services—Payment Transactions—Financial Transaction
Requests.......................................................................................................................................................................................341
Table 3100701—Acquirer POS Credit and Debit—MSR Product and Services—Online Exception Item Processing—Financial

Transaction Requests, Advices and Reversals................................................................................................................................. 345
Table 3100920—Acquirer POS Credit and Debit—MSR Product and Services—Terminal Compliance Indicator for transactions
acquired in India—Financial Transaction Requests......................................................................................................................... 347
Table 3100922—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Tax ID for Brazil Acquired Activity—
Financial Transaction Requests...................................................................................................................................................... 347
Table 3100950—Acquirer POS Credit and Debit—MSR Product and Services—Colombia Domestic Processing—Financial
Transaction Requests and Reversal................................................................................................................................................ 348
Table 3100960—Acquirer POS Credit and Debit—MSR Product and Services—Chile Domestic Processing—Financial Transaction
Requests.......................................................................................................................................................................................352
Transactions)—Financial Transaction Requests............................................................................................................................... 358
Conditions)—Financial Transaction Requests and Reversal.............................................................................................................360
Table 3101101—Acquirer POS Credit and Debit—MSR Product and Services—MoneySend Funding Transactions—Financial
Requests and Reversals................................................................................................................................................................. 365
Transaction—Financial Transaction Requests and Reversals............................................................................................................366
Table 3102401—Acquirer POS Credit and Debit—MSR Product and Services—Automated Fuel Dispenser—Financial Transaction
Requests, Reversals and Advices................................................................................................................................................... 369
Table 3102701—Acquirer POS Credit and Debit—MSR Product and Services—India Unique Identification—Financial Transaction
Requests.......................................................................................................................................................................................376
Table 3103101—Acquirer POS Credit and Debit—MSR Product and Services—Fraud Notification Service—Financial Transaction
Requests, Advices and Reversals................................................................................................................................................... 381

Table 3103555—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Presented QR Funding Transactions—
Table 3104900—Acquirer POS Credit and Debit—MSR Product and Services—Maestro Switching of Visa Tokenized Transactions
—Financial Transaction Requests, Advices, Reversals..................................................................................................................... 385
Base Testing...................................................................................................................................................................................... 388
Table 3150001—Acquirer POS Credit and Debit—ICC Base—All Business Transactions—Financial Transaction Requests................388
Table 3150002—Acquirer POS Credit and Debit—ICC Base—Technical Conditions—Financial Transaction Requests......................390
Table 3150594—Acquirer POS Credit and Debit—ICC Base—Payment Account Reference (PAR)—Financial Transaction Requests. 392
Maestro Contactless M/Chip-specific General Acceptance Criteria..................................................................................................... 394
Table 3150101—Acquirer POS Credit and Debit—ICC Product and Services—Contactless M/Chip (All Business Transactions)—
Table 3150104—Acquirer POS Credit and Debit—ICC Product and Services—Maestro Contactless M/Chip (Over CVM Required
Limit)—Financial Transaction Requests.......................................................................................................................................... 397
Table 3150310—Acquirer POS Credit and Debit—ICC Product and Services—Device Token Purchase—Financial Transaction
Requests.......................................................................................................................................................................................400
Table 3151702—Acquirer POS Credit and Debit—ICC Product and Services—Cardholder Authentication Service—Financial
Transaction Requests and Advices................................................................................................................................................. 401
Table 3152401—Acquirer POS Credit and Debit—ICC Product and Services—Automated Fuel Dispenser—Financial Transaction
Requests, Reversals and Advices................................................................................................................................................... 404

Introduction
Introduction
This chapter contains details about the test cases applicable to the Acquirer POS Credit and Debit business profile during base
application testing and validation of a customer’s acquirer Single Message financial application.
The following test cases verify that basic message exchanges can be performed between the customer’s host and the Mastercard
Simulator and Mastercard Test Facility (MTF). This will include Store and Forward (SAF), working key exchanges, manual adjustments,
settlement, and late Financial Transaction Request Response/0210 messages and next business day transactions.
Next business day transactions are tested to simulate transactions that occur on the same calendar date but after the settlement
date has changed. The settlement messages will be changed during testing. All transactions after the date has changed will appear
in the following day’s batch.
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 accurately test scenarios in the test script.
Table Notations—Single Message Financial, Exception and Reporting

Notation Definition
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.
b Indicates a blank space when used in DE 48, subelement 71 fourth position.

Notation Definition
*
Where it appears in a DE column, indicates a 1 character field of customer choice.
(Single asterisk)
**
Where it appears in a DE column, indicates a 2 character field of customer choice.
(Double asterisk)
1 Where it appears in a SIM or MTF column, indicates testing is recommended for that environment.
0 Where it appears in a SIM or MTF column, indicates testing is available for that environment.
—

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
The test cases for this section are described below.

Advices 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 various business transactions and process the resulting approved Financial Transaction Responses on day
one.
NOTE: These test cases may also be used for testing of Member Level Settlement where an acquirer's Single Message application
can settle transactions at the ICA level instead of at the processor level.
NOTE: These test cases may be used to perform regression testing with an acquirer's Single Message application.
NOTE: These test cases may be used to perform multiple currency settlement with an acquirer's Single Message application to
receive transaction messages, reports, 250-byte Batch Data File, and settlement information processed in any currency.
Case DE DE DE
MSR PURCHASE ONLINE

1 0200 310000100001 1 1 PIN 00 90 0 V 1V12A 00
DE 3, SF 2 = 10 (Savings Account)
0200 310000100002 1 1 MSR REFUND ONLINE PIN 20 90 0 V 1V13A 00

2
DE 3, SF 2 = 00 (No account specified (NAS)/Default Account)
MSR PURCHASE ONLINE

3 0200 310000100003 1 1 PIN 00 90 0 V 1V14A 00
DE 3, SF 2 = 20 (Checking Account)

Case DE DE DE
MSR PURCHASE ONLINE

4 0200 310000100004 1 1 PIN 00 90 0 V 1V12A 00
MSR PURCHASE ONLINE

0200 310000100005 1 1 PIN 00 90 0 IV 1PINI 55
5
DE 39 = 55 (Invalid PIN)
MSR PURCHASE ONLINE

0200 310000100007 1 1 PIN 00 90 0 V 1V58A 00
0420 1 1 DE 39 = 00 00
6
DE 60 = 453 0041 (Financial transaction cancellation; card returned)
MSR PURCHASE ONLINE

0200 310000100013 1 1 PIN 00 90 0 V 1STOA 43
7
DE 39 = 43 (Stolen Card)
DYNAMIC KEY
8 0800 310000100014 1 1 EXCHANGE 00
DE 70 = 161 (Encryption key change)

Case DE DE DE
MSR POS BALANCE

9 0200 310000100015 1 1 INQUIRY ONLINE PIN 30 90 0 V 1V12A 00
MSR BALANCE INQUIRY

0200 310000100016 1 N/A ONLINE PIN 30 90 0 V PIN6 15
10
DE 39 = 15 (Invalid issuer); testing only applicable via simulator
MSR POS BALANCE

0200 310000100018 1 1 INQUIRY ONLINE PIN 30 90 0 V 1V13A 00
0420 1 1 DE 39 = 00 00
11
MSR PURCHASE ONLINE

0200 310000100019 1 1 PIN 00 90 0 V 1LOWA 51
12
DE 39 = 51 (Insufficient funds)
MSR PURCHASE ONLINE

0200 310000100020 1 1 PIN 00 90 0 V 1NOCA 78
13
DE 39 = 78 (Invalid account specified)

Case DE DE DE
MSR PURCHASE ONLINE

0200 310000100021 1 1 PIN 00 90 0 V 1PINA 75
14
DE 39 = 75 (Allowable number of PIN tries exceeded)
MSR PURCHASE ONLINE

0200 310000100023 1 1 PIN 00 90 0 V 1CAPA 04
15
DE 39 = 04 (Capture card)
MSR PURCHASE ONLINE

16 0200 310000100024 1 1 PIN 00 90 0 V 1V14A 00
MSR PURCHASE ONLINE

0200 310000100027 1 1 PIN 00 90 0 V 1V13A 00
0420 1 1 DE 39 = 00 00
17
DE 60 = 450 0018 (Zero dispense; card returned; POI failure)
MSR PURCHASE ONLINE

18 0200 310000100028 1 1 PIN 00 90 0 V PIN12 00

Case DE DE DE
MSR PURCHASE ONLINE

0200 310000100031 1 1 PIN 00 90 0 V 1V58A 00
0420 1 1 DE 39 = 00 00
19
DE 3, SF 2 = 00 (No account specified (NAS) / Default Account)
MSR CAT LEVEL 9

0200 310000100038 1 1 PURCHASE ONLINE PIN 00 90 9 V 1V12A 00

20 DE 22, SF 2 (POS Terminal PIN Entry Mode) = 1 (Terminal has PIN entry capability)
MSR PURCHASE WITH

0200 310000100040 1 1 CASH BACK ONLINE PIN 09 90 1 V 1V12A 00
21 Purchase with Cash Back Transaction

DE 3 (Processing Code) = 09
DE 4 (Amount, Transaction) = DE 54 (Additional Amounts).

Case DE DE DE
MSR PURCHASE ONLINE

0200 310000100041 1 N/A PIN 00 90 0 V MSI_130 00
Service was successfully mapped and dynamic CVC 3 was valid.
22 0200: DE 4 = 000000005633 to obtain appropriate data in response message.
0210: contains 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.
Controller.
MSR PURCHASE ONLINE

0200 310000100042 1 N/A PIN 00 90 0 V MSI_131 88
Service was successfully mapped but dynamic CVC 3 was invalid.
0200: DE 4 = 000000005633 to obtain appropriate data in response message.
23
0210: DE 48, SE 87 = Y (Invalid CVC 3).
Controller.
MSR CAT LEVEL 2

0200 310000100045 1 N/A PURCHASE NO CVM 00 90 2 1V12A 00
24
Self service terminal transaction of customer choice.

Case DE DE DE
MSR CAT LEVEL 2

0200 310000100045 1 N/A PURCHASE NO CVM 00 90 2 1V12A 00
25
Purchase transaction contains gratuity amount type 44 identified in DE 54.
The following test cases will test whether an acquirer's Single Message application can send properly formatted Point-of-Service
(POS) Financial Transactions.
NOTE: These test cases may also be used for testing of Member Level Settlement where an acquirer's Single Message application
can settle transactions at the ICA level instead of at the processor level.
NOTE: These test cases may be used to perform regression testing with an acquirer's Single Message application.
NOTE: These test cases may be used to perform multiple currency settlement with an acquirer's Single Message application to
receive transaction messages, reports, 250-byte Batch Data File, and settlement information processed in any currency.

Case DE DE DE
MSR POS BALANCE

0200 310000200002 1 1 MSR REFUND NO CVM 20 90 0 1V13A 00

2
MSR PURCHASE WITH

3 0200 310000200003 1 1 CASH BACK ONLINE PIN 09 90 0 V 1V14A 00
DE 3, SF 2 = 20 (Checking Account), DE 54, SF 2 = 40 (Cash Back)
MSR PURCHASE ONLINE

0200 310000200007 1 1 PIN 00 90 0 V 1LOSTA 41
4
DE 39 = 41 (Lost Card)
0200 310000200008 1 1 MSR REFUND NO CVM 20 90 0 V 1V58A 00

5
MSR POS BALANCE


Case DE DE DE
MSR PURCHASE ONLINE

0200 310000200011 1 1 PIN 00 90 0 V 1V13A 00
0420 1 1 DE 39 = 00 00
7
DE 60 = 451 0010 (Partial dispense; card returned)
MSR PURCHASE ONLINE

8 0200 310000200017 1 1 PIN 00 90 0 V 1V12A 00
FULL ADJUSTMENT FROM

0422 310000200021 N/A 1 MASTERCARD 00
Full adjustment of original transaction amount from Table 3100001 Day One Transactions, Test Case 1 in the amount of
9 $15.00.
DE 60 (Advice Reason Code) = 490 0010 (Adjustment).
DE 95 (Replacement Amounts) should equal all zeros.
PARTIAL ADJUSTMENT
0422 310000200022 N/A 1 FROM MASTERCARD 00
10 Partial adjustment of original transaction amount from Table 3100001 Day One Transactions, Test Case 4.
DE 60 (Advice Reason Code) = 490 0010 (Adjustment).
DE 95 (Replacement Amounts) should contain the $5.00 completed amount.

The following test cases 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 receive the 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
Case DE DE DE
MSR PURCHASE ONLINE

0200 310005000001 1 1 PIN 00 90 0 V 1V12A 00
1 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.
MSR PURCHASE ONLINE

0200 310005000002 1 1 PIN 00 90 0 V 1V12A 00
2
DE 43 with Merchant Name (business as usual).
DE 48, SE 37, SF 2 = Independent Sales Organization ID.

Case DE DE DE
MSR PURCHASE ONLINE

0200 310005000003 1 1 PIN 00 90 0 V 1V12A 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.
Requests, Advices, 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.

Requests, Advices, Reversals
Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
MDES issuer token, original transaction successfully mapped and validated.

Controller.
MSR BUSINESS
TRANSACTION AND CVM
2 MDES issuer PAN, original transaction.

Controller.

Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
3 Non-MDES issuer PAN, original transaction.
MSR BUSINESS
TRANSACTION AND CVM
MDES issuer token, acquirer advice transaction successfully mapped and validated.

0220: DE 60 = 290 (APS approved transaction)

Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
MDES issuer PAN, acquirer advice transaction transaction.

5
0220: DE 60 = 290 (APS approved transaction).
MSR BUSINESS
TRANSACTION AND CVM
Non-MDES issuer PAN, acquirer advice transaction.

6

Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
0420 1 N/A DE 39 = 00 00
MDES issuer token, original and full reversal transaction successfully mapped and validated.
7
Controller.
0420: DE 60 = 454 (APS unable to deliver response).
0430: DE 48, SE 33, SF 1 = M (Primary Account Number), SF 2 (PAN), SF 3 (PAN expiry date), SF 6 (Token Requestor ID) if
applicable, and SF 8 (Storage Technology) if applicable.

Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
0420 1 N/A DE 39 = 00 00
MDES issuer PAN, original and full reversal transaction.

8
Controller.
MSR BUSINESS
TRANSACTION AND CVM
0420 1 N/A DE 39 = 00 00
Non-MDES issuer PAN, original and full reversal transaction.

9

Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
MDES issuer token, original transaction successfully mapped and validated.

Controller.
0422 310059400051 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.

Transaction Request
The following test cases will test whether an acquirer's Single Message application can send correctly formatted dynamic currency
conversion Financial Transaction Requests where DE 49 (Currency Code, Transaction) is not equal to the merchant's local currency
code, and process the resulting Financial Transaction Request Responses.

Transaction Request
Case DE DE DE
MSR BUSINESS
TRANSACTION OF
0200 310004100001 1 1 CUSTOMER CHOICE ** ** * * 1V12A 00
1
0200: DE 49 transaction currency that is a different currency than the merchant's local currency
0200: DE 54 amount type 58 containing original transaction amount in the merchant's local currency
Transaction Requests and Reversals
Request and Reversal indicating the merchant terminal supports partial approvals and process the resulting Financial Transaction
Response for a partial approval amount less than or equal to the requested amount.

Case DE DE DE
MSR PURCHASE ONLINE

0200 310040100001 1 1 PIN 00 90 0 V PA001 10
1
0200: DE 48, SE 61, SF 1 = 1 (Merchant terminal can accept partial approvals)
0210: DE 4 = Partial approval amount less than USD 100.00 requested amount
0210: DE 54, SF 2 = 57 (Original Amount)
MSR PURCHASE ONLINE

0200 310040100003 1 1 PIN 00 90 0 V PA001 10
0420 1 1 DE 39 = 00 00
DE 3, SF 2 of customer's choice
2
0210: DE 4 = Partial approval amount less than USD 100.00 requested amount
0420: DE 60 = 450 0018 (Zero dispense; card returned; POI failure)

Case DE DE DE
MSR PURCHASE ONLINE

0200 310040100006 1 1 PIN 00 90 0 V PA003 10
3
0210: DE 6 = DE 4 from the 0200 (Partial approval amount equals requested amount of USD $100)
Requests for payment transactions (excluding MoneySend and rePower) and process the resulting Financial Transaction Responses.
Case DE DE DE
MSR PAYMENT
1 0200 310050100001 1 1 TRANSACTION NO CVM 28 90 0 1V12A 00
DE 3, SF 3 of customer's choice and DE 48, SE 77 = C01 (Person-to-Person)
MSR PAYMENT
DE 3, SF 3 of customer's choice and DE 48, SE 77 = C02 (Mastercard Rebate)

Case DE DE DE
MSR PAYMENT
DE 3, SF 3 of customer's choice and DE 48, SE 77 = C05 (Other)
The following test cases will test whether an acquirer's Single Message application can send correctly formatted Online Exception
Messages and process the resulting Online Exception Responses.
Case DE DE DE
MSR PURCHASE ONLINE

0200 310070100001 N/A 1 PIN 00 90 0 V 1V12A 00
1
DE 4 = 30.00
0422 310070100001 N/A 1 CHARGEBACK 1V12A 00
2 DE 4 = 30.00
DE 60 = 489 0071 (Chargeback - Disputed Amount [POS only])

Case DE DE DE
0420 310070100001 N/A 1 REPRESENTMENT 00 1V12A 00
3 DE 4 = 20.00 and DE 95, SF 1 = 30.00

DE 60 = 491 0013 (Representment)
MSR PURCHASE ONLINE

0200 310070100002 N/A 1 PIN 00 90 0 V 1V13A 00
4
DE 4 = 40.00
0422 310070100002 N/A 1 CHARGEBACK 1V13A 00
5 DE 4 = 40.00 and DE 95, SF 1 all zeros

DE 60 = 489 0072 (Chargeback - Credit Posted as Debit [POS only])
6 DE 4 all zeros and DE 95, SF 1 = 40.00

MSR PURCHASE ONLINE

0200 310070100003 N/A 1 PIN 00 90 0 V 1V62A 00
7
DE 4 = 50.00

Case DE DE DE
0422 310070100003 N/A 1 CHARGEBACK 1V62A 00
8 DE 4 = 50.00 and DE 95, SF 1 all zeros

DE 60 = 489 0073 (Chargeback-Duplicate Transaction [POS and ATM])
9 DE 4 all zeros and DE 95, SF 1 = 50.00

MSR PURCHASE ONLINE

0200 310070100005 N/A 1 PIN 00 90 0 V 1V13A 00
10
DE 49 transaction currency that is a different currency than the merchant's local currency
DE 54 amount type 58 containing original transaction amount in the merchant's local currency
0422 310070100005 N/A 1 CHARGEBACK 1V13A 00
11 DE 54 data from the original Financial Transaction Request/0200 transaction will be included by the Single Message System if
acquirer has opted to receive this data
The DCC chargeback amount will be added into the 250-byte Batch Data File for acquirers who have requested it within the
Financial/Non-financial Additional Data Addendum Record (ADDR)

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 receive DE 20 (Primary Account Number Country Code), DE 58 (Authorizing Agent Institution ID) and
DE 100 (Receiving Institution Identification Code) in the Financial Transaction Response messages to identify issuer information.
Case DE DE DE
MSR PURCHASE ONLINE

0200 310090100001 1 1 PIN 00 90 0 V Y58EII 00
1
0210: DE 20 = Primary account number country code.
0210: DE 58 = Authorizing agent institution ID.
0210: DE 100 = Receiving institution identification code.
MSR PURCHASE ONLINE

0200 310090100002 1 1 PIN 00 90 0 V Y58EII 00
2

Case DE DE DE
MSR PURCHASE ONLINE

0200 310090100003 1 1 PIN 00 90 0 V Y58EII 00
0420 1 1 DE 39 = 00 00
3
0420: DE 60 = 450 0018 (Zero dispense; card returned; POI failure)
MSR PURCHASE ONLINE

0220 310090100004 1 1 PIN 00 90 0 V N58EII 00
4
DE 60, SF 1 = 290 (APS approved transaction; preauthorized by issuer)

transactions acquired in 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.
transactions acquired in India—Financial Transaction Requests
Case DE DE DE
MSR PURCHASE ONLINE

0200 310092000001 1 0 PIN 00 90 0 V 1V12A 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).
Table 3100922—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Tax ID for Brazil Acquired Activity
—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 3100922—Acquirer POS Credit and Debit—MSR Product and Services—Merchant Tax ID for Brazil Acquired Activity
—Financial Transaction Requests
Case DE DE DE
MSR PURCHASE ONLINE

1 0200 310092200001 1 1 PIN 00 90 0 V 1V12A 00
Brazil acquired point-of-sale activity containing DE 112, SE 29 with 11-digit personal tax ID.
MSR PURCHASE ONLINE

2 0200 310092200002 1 1 PIN 00 90 0 V 1V12A 00
Brazil acquired point-of-sale activity containing DE 112, SE 29 with 14-digit commercial tax ID.
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.

Transaction Requests and Reversal
Case DE DE DE

0200 310095000001 N/A 1 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).

0200 310095000002 N/A 1 PIN 00 90 0 V MSI_002 00
0420 N/A 1 DE 39 = 00 00
2 Purchase transaction; followed by customer cancellation full amount reversal 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).
MSR CAT LEVEL 1 POS

BALANCE INQUIRY MSI_001
0200 310095000003 N/A 1 ONLINE PIN 30 90 1 V MSI_002 00
3
POS Balance Inquiry transaction.
DE 124 contains Colombia domestic transaction information.

Case DE DE DE

0200 310095000004 N/A 1 PIN 00 90 0 V MSI_002 00
4 Utilities transaction.
DE 124 contains Colombia domestic transaction information including SF 2 (Tax/IVA), SF 6 = 150000 (Public utilities).

0200 310095000005 N/A 1 PIN 00 90 0 V MSI_002 00
Billing payment transaction.

5
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).

0200 310095000006 N/A 1 PIN 00 90 0 V MSI_002 00
Cellular phone top up transaction.

6
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.
MSR PURCHASE WITH MSI_001

0200 310095000007 N/A 1 CASH BACK ONLINE PIN 09 90 0 V MSI_002 00
7
Purchase with Cash Back transaction.
DE 54 (Additional Amounts) and DE 124 present.

Case DE DE DE
MSI_001
0200 310095000008 N/A 1 MSR REFUND NO CVM 20 90 0 MSI_002 00
8 Refund transaction.
DE 4 (Amount, Transaction) sent.
DE 124 contains Colombia domestic transaction information.

0200 310095000009 N/A 1 PURCHASE 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.

0200 310095000010 N/A 1 PIN 00 90 0 V MSI_002 00
Large retail purchase transaction.

10
MCC may be 5311 and DE 110, SF 1 required.
DE 124 present contains Colombia domestic transaction information.
MSR PAYMENT MSI_001

0200 310095000011 N/A 1 SIGNATURE 28 90 0 MSI_002 00
11
DE 48 TCC as P and SE 77 = CXX depending of supported payment capabilities; DE 124 present.

Case DE DE DE
MANUAL ENTRY MSI_001

0200 310095000012 N/A 1 PAYMENT NO CVM 28 01 0 MSI_002 00
12
DE 48 TCC as P and SE 77 = CXX depending of supported payment capabilities; DE 124 present.
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 Authorization Requests and receive the resulting Authorization
Responses.
Case DE DE DE
MSR PURCHASE ONLINE

0200 310096000001 0 1 PIN 00 90 1 V MSI_CHL_000 00
1 BUSINESS TRANSACTION FORMAT AND CONTENT

DE 4 = $120,000.00

Case DE DE DE
MSR PURCHASE ONLINE

0200 310096000002 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $100,000.00
DE 18 = 4784 (COSTANERA NORTE)
MSR PURCHASE ONLINE

0200 310096000003 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $75,000.00
DE 18 = 4899 (MOVISTAR)
MSR PURCHASE ONLINE

0200 310096000004 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $60,000.00
DE 18 = 4900 (ABASTIBLE)
MSR PURCHASE ONLINE

0200 310096000005 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $125,000.00
DE 18 = 5251 (COVEPA)

Case DE DE DE
MSR PURCHASE ONLINE

0200 310096000006 0 1 PIN 00 90 1 V MSI_CHL_000 00
BUSINESS TRANSACTION FORMAT AND CONTENT

6
DE 4 = $130,000.00
MAID = 227926
MSR PURCHASE ONLINE

0200 310096000007 0 1 PIN 00 90 1 V MSI_CHL_000 00

7
DE 4 = $80,000.00
DE 18 = 5411 (EXP LIDER)
MAID = 227929
MSR PURCHASE ONLINE

0200 310096000008 0 1 PIN 00 90 1 V MSI_CHL_000 00

8
DE 4 = $85,000.00
DE 18 = 5411 (ALVI)
MAID = 227941

Case DE DE DE
MSR PURCHASE ONLINE

0200 310096000009 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $90,000.00
DE 18 = 5411 (SUPERMERCADO GRECIA)
MSR PURCHASE ONLINE

0200 310096000010 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $65,000.00
DE 18 = 5541 (COPEC)
MSR PURCHASE ONLINE

0200 310096000011 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $110,000.00
DE 18 = 5814 (BURGER KING)

Case DE DE DE
MSR PURCHASE ONLINE

0200 310096000012 0 1 PIN 00 90 1 V MSI_CHL_000 00

12
DE 4 = $145,000.00
DE 18 = 5912 (SALCOBRAND)
MAID = 227945
MSR PURCHASE ONLINE

0200 310096000013 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $150,000.00
DE 18 = 5912 (C. VERDE)
MSR PURCHASE ONLINE

0200 310096000014 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $135,000.00
DE 18 = 6513 (CONDOMINIO (Gastos comunes))

Case DE DE DE
MSR PURCHASE ONLINE

0200 310096000015 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $140,000.00
MSR PURCHASE ONLINE

0200 310096000016 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $70,000.00
DE 18 = 8211 (CFT SANTO TOMAS)
MSR PURCHASE ONLINE

0200 310096000017 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $55,000.00
DE 18 = 8398 (FUNDAC. LAS ROSAS)
MSR PURCHASE ONLINE

0200 310096000018 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $50,000.00
DE 18 = 9311 (S.I.I.CONTRIBUCIONES)

Case DE DE DE
MSR PURCHASE ONLINE

0200 310096000019 0 1 PIN 00 90 1 V MSI_CHL_000 00

19
DE 4 = $115,000.00
DE 18 = 4511 (LAN)
MAID = 199738
MSR PURCHASE ONLINE

0200 310096000020 0 1 PIN 00 90 1 V MSI_CHL_000 00

DE 4 = $95,000.00
DE 18 = 5511 (KLASSIK CAR S.A.)
Transactions)—Financial Transaction Requests
The tests in this table and table 3101001 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.

Chip])
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.
Case DE DE DE
MSR CONTACTLESS
1
Contactless business transaction format and content.
MSR CONTACTLESS
PURCHASE SIGNATURE
2 0200 310100000002 1 N/A OR NO CVM 00 91 0 MCC_351 00

Case DE DE DE
MSR CONTACTLESS CAT

LEVEL 1 PURCHASE
MSR CONTACTLESS CAT

LEVEL 2 PURCHASE NO
4 0200 310100000004 1 N/A CVM 00 91 0 MCC_351 00
MSR CONTACTLESS
PURCHASE WITH CASH
5 0200 310100000005 1 N/A BACK ONLINE PIN 17 09 0 V MCC_351 00
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:
Chip])
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.

Conditions)—Financial Transaction Requests and Reversal
Case DE DE DE
MSR CONTACTLESS
1 Contactless magnetic stripe business transaction.

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
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.

Case DE DE DE
MSR CONTACTLESS
Contactless magnetic stripe business transaction.

Service code = 101.
3
Track 2: 5413330056003560D25121010000066010.
MSR CONTACTLESS

Service code = 101.
4
Track 2: 5413330056003560D25121019090298920.

Case DE DE DE
MSR CONTACTLESS

Service code = 101.
5
Track 2: 5413330056003560D25121010109743970.
MSR CONTACTLESS
Contactless magnetic stripe business transaction. Card is an M/Chip contactless card. Service code = 201.
Customer must provide both transaction receipt and terminal display details.
6
0100 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 0110 and in 0410.
This test case must not be executed by Contactless M/Chip acquirers.

Financial Requests and Reversals
The following test cases will test whether an acquirer's Single Message application can send correctly formatted MoneySend Funding
Transactions in the Financial Transaction message and process the Financial Transaction Response message.
NOTE: The transactions below are MoneySend Funding Transactions. Please refer to the Acquirer Manual/Voice/MOTO/Electronic
Commerce Credit and Debit business profile for MoneySend Payment Transactions.
Financial Requests and Reversals
Case DE DE DE
MSR PURCHASE ONLINE

0200 310110100001 1 1 PIN 00 90 0 V 1V12A 00
0420 1 1 DE 39 = 00 00
MoneySend Funding Transaction via non-CAT magnetic stripe acceptance and DE 108 and/or DE 124 are sent by acquirer in
1
requests and received in responses.
DE 18 = 6538 (MoneySend Funding); DE 48, TCC = R (Retail); DE 48, SE 77 = any valid MoneySend value; and contains
optional DE 108 and/or DE 124.
0420: DE 39 = 00 (Approved) and DE 60 any appropriate value.

Case DE DE DE
MSR CAT LEVEL 2

0200 310110100002 1 1 PURCHASE NO CVM 00 90 2 1V12A 00
MoneySend Funding Transaction via CAT 2 magnetic stripe acceptance and optional DE 108 and/or DE 124 are sent by
2
acquirer in requests and received in responses.
124 optional.
Transaction—Financial Transaction Requests and Reversals
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.

Transaction—Financial Transaction Requests and Reversals
Case DE DE DE
MSR PAYMENT
0200 310125100001 1 1 TRANSACTION NO CVM 28 90 0 1V13A 00
rePower load value payment transaction approved by issuer.

MSR PAYMENT
0200 310125100002 1 1 TRANSACTION NO CVM 28 90 0 57SC 57
rePower load value payment transaction declined by issuer.

0210: DE 39 = 57 (Transaction not permitted to issuer/cardholder); DE 54 not present.

Case DE DE DE
MSR PAYMENT
0200 310125100003 1 1 TRANSACTION NO CVM 28 90 0 1V14A 00
0420 1 1 DE 39 = 00 00
rePower load value payment transaction request cancelled after receiving approved request response and reversal submitted
by merchant.
3
0200: DE 18 (Merchant type [MCC] = 6532 (Payment Transaction - Member Financial Institution) or 6533 (Payment
0420: DE 60 = 4530041 (Financial transaction cancellation: card returned).
Financial Transaction Requests
The following test cases will test whether an acquirer's Single Message application can send correctly formatted POS purchase with
cash back and cash back only Financial Transaction Requests for intracountry transactions where allowed by Mastercard and receive
the resulting Financial Transaction Responses.

Case DE DE DE
MSR CASH BACK ONLY

0200 310191100001 1 1 ONLINE PIN 09 90 1 V 1V12A 00
1
Purchase with Cash Back DE 3 (Processing Code) = 09 with the cash back amount in DE 54 (Additional Amounts) is equal to
the amount in DE 4 (Amount, Transaction).
MSR PURCHASE WITH

0200 310191100002 1 1 CASH BACK ONLINE PIN 09 90 1 V 1V12A 00
2
Purchase with Cash Back DE 3 (Processing Code) = 09 with the cash back amount in DE 54 (Additional Amounts) is not equal
to the amount in DE 4 (Amount, Transaction).
Transaction Requests, Reversals and Advices
The following test cases will test whether an acquirer's Single Message authorization application can send correctly formatted pre-
authorization Financial Transaction Requests and related Financial Transaction Advice message for Automated Fuel Dispenser
transactions.
First, customers must send the correctly formatted pre-authorization Financial Transaction Request on which the Financial Transaction
Advice is based.
Second, customers must send correctly formatted Financial Transaction Advice for the completed amount of the transaction.

Case DE DE DE
MSR CAT LEVEL 1


1
MSR CAT LEVEL 1

0220 310240100001 1 1 PURCHASE ONLINE PIN 00 90 1 1V12A 00
0220: DE 4 = amount from the preauthorization request

2
0220: DE 48, SF 61.1 = 1 (Partial Auth Indicator)
0220: DE 60 = 290 or 2510010
0220: DE 95.1 = transaction completion amount

Case DE DE DE
MSR CAT LEVEL 1

0420 1 1 DE 39 = 00 00

3
MSR CAT LEVEL 1

0200 310240100004 1 1 PURCHASE ONLINE PIN 00 90 1 V PA001 10
4 0200: DE 4 = 000000010000 (transaction amount), DE 18 = 5542 (Automated fuel dispenser)


Case DE DE DE
MSR CAT LEVEL 1

5 0200: DE 4 = 000000000100 (transaction amount); DE 18 = 5542 (Automated fuel dispenser)

MSR CAT LEVEL 1

6 0200: DE 4 = 000000002000 (Amount, Transaction), DE 18 = 5542 (Automated fuel dispenser)


Case DE DE DE
MSR CAT LEVEL 1

7 0200: DE 4 = 000000000100 (Transaction amount), DE 18 = 5542 (Automated fuel dispenser)


Case DE DE DE
MSR CAT LEVEL 1

0220 1 1 DE 39 = 00 00
Surcharge amount applied by Automated Fuel Dispenser (AFD) registered merchant on the AFD completion advice
0200: DE 4 = one unit of major currency or the typical merchant maximum amount; DE 28 not present
8 0200: DE 61, SF 7 = 4 (Preauthorized Request)

0220: DE 28 = surcharge amount
0220: DE 60 = 290 or 2510010
0220: DE 95.1 = transaction completion amount including surcharge amount
The following test cases will test whether an acquirer's Single Message application can send correctly formatted Account Status
Inquiry transactions in the Financial Transaction Requests and process the resulting Financial Transaction Response information.

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).
Case DE DE DE
MANUAL ENTRY
PAYMENT TRANSACTION ASIS00 ASIS85
0200 310260100001 1 1 NO CVM 28 01 0 ASIS05 V
Account Status Inquiry for a Payment Transaction
1 DE 3, SF 1 = 28 (Payment Transaction) and DE 4 = non-zero 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 48, SE 77 contains any valid payment value.
DE 61, SF 7 = 8 (Account Status Inquiry Service)

Case DE DE DE
MANUAL ENTRY
PAYMENT TRANSACTION ASIS00 ASIS85
0200 310260100002 1 1 NO CVM 28 01 0 ASIS05 V
Account Status Inquiry for a Payment Transaction
2 DE 3, SF 1 = 28 (Payment Transaction) and DE 4 = zero 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 48, SE 77 contains any valid payment value.
MSR PURCHASE ASIS00 ASIS85

0200 310260100003 1 1 TRANSACTION NO CVM 00 90 0 ASIS05 V
3 Account Status Inquiry for a Purchase Transaction

DE 3, SF 1 = 00 (Purchase) and DE 4 = zero amount
The following test cases will test whether an acquirer's Single Message application can send Unique Identification Number Service
for India information in Financial Transaction Requests and process the resulting Financial Transaction Request Responses from the
Issuer.
The following data elements and values uniquely identify India Unique Identification transactions:
• DE 22, subfield 1 = 01 or 90 (Manual Entry or PAN auto-entry via magnetic stripe)

• DE 52 (PIN) = may be present or may be absent. This is unique to the Unique Identification Service Transactions for India.
• DE 105 = Enhanced Identification Data
• DE 106 = Private Data
• DE 107 = India On-Soil data
DE 105 in the /0210 response will include Subelement 5 (Transaction Identifier), subelement 12 (Product Code) = UID, subelement
13 (Return Value) = Value for the disposition of the Biometric validation Y=Valid, N= Not valid, and optionally subelements 14
(Authenticator Code), 15 (Time Stamp), 16 (Meta Data) and 17 (Error Code) = error code when Subelement 13 = N.
NOTE: Acquiring device will be POS terminal or micro-ATM which has both Mag Stripe and/or manual entry.
Case DE DE DE
MSR PURCHASE ONLINE

0200 310270100001 1 1 PIN 00 90 1 V UID01-UID04 00
0200: DE 105 with subelements 1 thru 4, and 6 thru 11, DE 106 and DE 107 are present (DE 106 and DE 107 contain Unique
1
Identification Data)
0210: DE 105 with SE 5 (Transaction Identifier), SE 12 (Product Code) = UID (Unique Identification), SE 13 (Return Value) = Y
(Valid), SE 14 (Authentication Code) value from UIDAI, SE 15 (Time Stamp), SE 16 (Meta Data).
MSR PURCHASE ONLINE

0200 310270100002 1 1 PIN 00 90 1 V UID05-UID06 05
2 0200: DE 105 with subelements 1 thru 4, and 6 thru 11, DE 106 and DE 107 are present (DE 106 and DE 107 data is invalid)
0210: DE 105, SE 5 (Transaction Identifier), SE 12 (Product Code) = UID, SE 13 = N (Biometric data not valid), SE 14
(Authenticator Code) from UIDAI, SE 15 (Time Stamp) from UIDAI, SE 17 = 812 (Invalid).

Case DE DE DE
MSR PAYMENT
TRANSACTION ONLINE
0200 310270100003 1 1 PIN 28 90 1 V UID01-UID04 00
3
0200: DE 105 with subelements 1 thru 4, and 6 thru 11, DE 106 and DE 107 are present (DE 106 and DE 107 data is valid)
0210: DE 105 SE 5 (Transaction Identifier), SE 12 (Product Code) = UID, and SE 13 = Y (Valid), SE 14 (Authentication Code)
value from UIDAI, SE 15 (Time Stamp), SE 16 (Meta Data) from UIDAI.
MSR PAYMENT
TRANSACTION ONLINE
0200 310270100004 1 1 PIN 28 90 1 V UID07-UID08 05
0200: DE 105 with subelements 1 thru 4, and 6 thru 11, DE 106 and DE 107 are present (DE 106 and DE 107 data will not
4
match)
(Authentication Code), SE 15 (Time Stamp), SE 16 (Meta Data), SE 17 (Error Code) = 100 (Personal Identity (PI) Attributes did
not match).
0200 310270100005 1 1 MSR REFUND ONLINE PIN 20 90 1 V UID09 05
0200: DE 105 with subelements 1 thru 4, and 6 thru 11, DE 106 and DE 107 are present (DE 106 and DE 107 data will not
match)
5
(Authentication Code), SE 15 (Time Stamp), SE 16 (Meta Data), SE 17 (Error Code) = 100 (Personal Identity (PI) Attributes did
not match).

Case DE DE DE
MANUAL ENTRY
0200 310270100006 1 1 PURCHASE ONLINE PIN 00 01 1 V UID01-UID04 00
6 0200: DE 105 with subelements 1 thru 4, and 6 thru 11, DE 106 and DE 107 are present (DE 106 and DE 107 data is valid)
0210: DE 105, SE 5 (transaction identifier), SE 12 (Product Code) = UID, SE 13 (Return Value) = Y (present and correct), SE 14
(Authenticator Code) value from UIDAI, SE 15 (Time Stamp), SE 16 (Meta Information) value from UIDAI.
MANUAL ENTRY
0200 310270100010 1 1 PURCHASE ONLINE PIN 00 01 1 V UID10 05
7 0200: DE 105, DE 106 and DE 107 are present (DE 106 and DE 107 contain Unique Identification Data)
MSR PURCHASE WITH

0200 310270100011 1 1 CASH BACK ONLINE PIN 09 90 1 V UID01-UID04 00
0200 310270100019 1 1 MSR REFUND ONLINE PIN 20 90 1 V UID01-UID04 00
0200: DE 105, DE 106 and DE 107 are present (DE 106 and DE 107 contain Unique Identification Data)
9

Case DE DE DE
MSR POS BALANCE

0200 310270100027 1 1 INQUIRY ONLINE PIN 30 90 1 V UID01-UID04 00
The following test cases will test whether an acquirer's Single Message application can send properly formatted Financial Transaction
Requests containing DE 48, subelement 64 (Transit Program) with applicable values in subfield 1 (Transit Transaction Type Indicator)
and subfield 2 (Transportation Mode Indicator); and process the resulting Financial Transaction Responses.
Case DE DE DE
MSR PURCHASE ONLINE

0200 310300100001 1 N/A PIN 00 90 0 V 405 00
1
Applicable transit transaction type indicator of customer choice with applicable transportation mode indicator.
0200: DE 48, SE 64, SF 1 (Transit Transaction Type Indicator) and SF 2 (Transportation Mode Indicator) are present.

Case DE DE DE
MSR CONTACTLESS
0200 310300100011 1 N/A PURCHASE NO CVM 00 91 0 DMC_351 00
0420 1 N/A DE 39 = 00 00
Financial Transaction Request meets the Contactless M/Chip-specific general acceptance criteria.
2 0200: DE 48, SE 64, SF 1 = 06 (Maestro Post-authorized Aggregated); SF 2 contains the applicable Transportation Mode
Indicator.
0420: Partial reversal for unused transit travel.
NOTE: This test is for specific implementations in certain countries for domestic transactions where Maestro
transactions are initiated using Debit Mastercard cards. This test should be initiated using cards from the NIV Test
Tools Subset 6 which currently only supplies MCC cards.
The following test cases will test whether an acquirer's Single Message application can receive and process transactions with DE 48
(Additional Data), sublelement 19 (Fraud Notification Information) for the Fraud Notification Service.
Acquirers must be prepared to receive DE 48 (Additional Data), subelement 19 (Fraud Notification Information), subfield 1 (Fraud
Notification Service Date) and subfield 2 (Fraud Notification Service Chargeback Counter).
Acquirers must also be able to send a Representment with DE 48 (Additional Data), subelement 19 (Fraud Notification Information)
and subfield 3 (Fraud Notification Service Second Presentment Rights Indicator).

Case DE DE DE
MSR PURCHASE ONLINE

0200 310310100001 1 1 PIN 00 90 0 V 1V12A 00
1
DE 4 = 30.00
0422 310310100001 N/A 1 CHARGEBACK 00 00
DE 3, SF 2 = 00 (No account specified [NAS]/Default account)

2 DE 4 = 30.00
DE 48, SE 19, SF 1 = 120704, SF 2 = 02 (Fraud Notification Information Date and Count)
0420 310310100001 N/A 1 REPRESENTMENT 00 00
DE 3, SF 2 = 00 (No account specified (NAS) / Default Account)

DE 4 contains all zeros
3
DE 48, SE 19, SF 3 = FNS (Fraud Notification Service Second Presentment Rights Indicator)
DE 95, SF 1 = 30.00

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.

Transactions—Financial Transaction Requests
Case DE DE DE

PURCHASE CVM OF DMC_130
0200 310355500001 1 N/A CUSTOMER CHOICE 00 91 0 * MSI_130 00
Merchant Presented QR Funding domestic transaction containing token PAN

DE 2 (Primary Account Number) contains a token
DE 4 (Amount, Transaction) = 000000015633 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
1 available and required
DE 48, SE 37, SF 1 (Payment Facilitator ID) and SF 3 (Sub-Merchant ID) are present if available and required
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), and SF 6
(Token Requestor ID)
0210: DE 56 (Payment Account Data)

Case DE DE DE

Merchant Presented QR Funding domestic transaction containing non-token PAN

DE 2 (Primary Account Number) contains a PAN
2 DE 18 (Merchant Type) contains any valid value for Merchant Presented QR Funding
DE 48, SE 37, SF 1 (Payment Facilitator ID) and SF 3 (Sub-Merchant ID) are present if available and required
DE 110, SE 01 (Merchant ID) is present if available and required
Transactions—Financial Transaction Requests, Advices, 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).

Transactions—Financial Transaction Requests, Advices, Reversals
Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
0200 310490000001 1 1 OF CUSTOMER 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 56 (Payment Account Data) is present.
MSR BUSINESS
TRANSACTION AND CVM
0220 310490000002 1 N/A OF CUSTOMER CHOICE ** ** * VIS_130 00
Maestro-branded Visa token acquirer advice transaction

2
0220: Acquirer must send DE 4 = 000000005600 to obtain appropriate data in response message from simulator.
0230: DE 56 (Payment Account Data) is present.

Case DE DE DE
MSR BUSINESS
TRANSACTION AND CVM
0200 310490000003 1 1 OF CUSTOMER CHOICE ** ** * * VIS_130 00
0420 1 1 DE 39 = 00 00
Maestro-branded Visa token original request and full reversal advice transaction
3
0200 and 0420: Acquirer must send DE 4 = 000000005600 tto obtain appropriate data in response message from simulator.
0210 and 0430: DE 56 (Payment Account Data) is present.

The test cases listed in this section are applicable when upgrading to integrated circuit card (ICC)-based operations. Within this
section, both standard ICC-based operations and contactless ICC-based operations are addressed. Partial Grade acquirer test cases
are not supported because, since January 2006, all ICC-based acquirer implementations are for Full-Grade.
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).
Select the appropriate business transactions from the following tables and conduct the associated test cases.

Base Testing
Table 3150001—Acquirer POS Credit and Debit—ICC Base—All Business Transactions—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.
Table 3150001—Acquirer POS Credit and Debit—ICC Base—All Business Transactions—Financial Transaction Requests
Case DE DE DE
ICC PURCHASE ONLINE

1 0200 315000100001 1 N/A PIN 00 05 0 V MSI_104 00
Financial transaction request meets the authorization Chip-specific general acceptance criteria.
ICC PURCHASE OFFLINE

2 0200 315000100002 1 N/A PIN 00 05 0 MSI_101 00
ICC PURCHASE
0200 315000100003 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.

Case DE DE DE
ICC CAT LEVEL 1

4 0200 315000100004 1 N/A PURCHASE ONLINE PIN 00 05 1 V MSI_104 00
ICC CAT LEVEL 1

5 0200 315000100005 1 N/A PURCHASE OFFLINE PIN 00 05 1 MSI_101 00
ICC PURCHASE WITH

0200 315000100006 1 N/A CASH BACK ONLINE PIN 09 05 0 V MSI_104 00
6
9F03 (Amount Other) must be present in DE 55 containing the cash back amount.
ICC PURCHASE WITH

0200 315000100007 1 N/A CASH BACK OFFLINE PIN 09 05 0 MSI_101 00
Please see the Maestro Rules manual under participating countries to determine if this test case should be executed in your
7 customer's country.
9F03 (Amount Other) must be present in DE 55 containing the cash back amount.

Case DE DE DE
ICC CAT LEVEL 9


8 DE 22, SF 2 (POS Terminal PIN Entry Mode) = 1 (Terminal has PIN entry capability)
Table 3150002—Acquirer POS 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.

Table 3150002—Acquirer POS Credit and Debit—ICC Base—Technical Conditions—Financial Transaction Requests
Case DE DE DE
ICC BUSINESS
TRANSACTION OF
0200 315000200001 1 N/A CUSTOMER CHOICE ** 05 * * MSI_111-112 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.
ICC BUSINESS
TRANSACTION OF
0200 315000200003 1 N/A CUSTOMER CHOICE ** 05 * * MSI_115 00
2
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)

Case DE DE DE
ICC FALLBACK TO
MAGNETIC STRIPE
Fallback to magnetic stripe on hybrid cards (DE 022 = 80X). Financial transaction contains correctly formatted magnetic stripe
3 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.
Requests
The following test cases will test whether an acquirer's Single Message online application can receive PAR in DE 56 of Financial
Transaction Response messages and pass the PAR to the merchant for usage according to MasterCard Standards.

Requests
Case DE DE DE
ICC BUSINESS
TRANSACTION AND CVM
1 Mastercard Digital Enablement Service issuer PAN transaction.

Controller.
ICC BUSINESS
TRANSACTION AND CVM
Mastercard Digital Enablement Service issuer token transaction was successfully mapped and validated.
2 0200: Acquirer must send DE 4 = 000000005633 to obtain appropriate data in response message.
Controller.


Maestro Contactless M/Chip-specific General Acceptance Criteria

Unless otherwise specified in the comments field of each test case, the following conditions must be fulfilled with all contactless M/
Chip Financial Transaction Request/0200 Messages:
• DE 22 (POS Entry Mode), subfield 1 (POS Terminal PAN Entry Mode) must be 07 (PAN auto-entry via contactless M/Chip).
• For transactions involving online PIN CVM, 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 present and must be 000, except when cards 411 or 412 are used.
• DE 55 (Integrated Circuit Card [ICC] System-Related Data) must be present and the Authorization Request Cryptogram (ARQC)
must be successfully validated by the simulator.
• DE 61 (Point of Service [POS] Data), subfield 11 (POS Card Data Terminal Input Capability Indicator) must be 3 (Contactless M/
Chip).
• Transaction Amount must be within Maestro® Contactless CVM Required Limit
Requests for various contactless M/Chip business transactions and process the resulting Financial Transaction Responses.

Case DE DE DE
ICC CONTACTLESS
1
Financial transaction request meets the contactless M/Chip-specific general acceptance criteria.
ICC CONTACTLESS CAT

LEVEL 2 PURCHASE NO
2 0200 315010100003 1 N/A CVM 00 07 2 MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general acceptance criteria.
ICC CONTACTLESS CAT

LEVEL 4 PURCHASE NO
3 0200 315010100004 1 N/A CVM 00 07 4 MSI_405 00
Financial transaction request meets the contactless M/Chip-specific acceptance criteria.
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

Case DE DE DE
ICC CONTACTLESS
0200 315010200001 1 N/A OF CUSTOMER CHOICE ** 07 * * MSI_411-412 00
1
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.
ICC CONTACTLESS
2
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.

Case DE DE DE
ICC CONTACTLESS
3 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
4 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).
Required Limit)—Financial Transaction Requests
Normally, Maestro contactless M/Chip transactions must be within the contactless transaction limit and will be run with no
Cardholder Verification method (no CVM). However, in approved markets (where online PIN verification is widely used), merchants
will be able to process Maestro contactless transactions above the CVM Required Limit using online PIN verification when both card
and terminal have been enabled for online PIN entry.
Acquirers in areas which accept Contactless Over CVM Required Limit transactions should first complete the contactless M/Chip
(under limit) test cases defined in the previous three tables, then run the test cases in the table below.

Required Limit)—Financial Transaction Requests
Case DE DE DE
ICC CONTACTLESS
1
Financial transaction request meets the contactless M/Chip-specific general acceptance criteria, but amount above Maestro
Contactless CVM required limit.
ICC CONTACTLESS CAT

LEVEL 1 PURCHASE
2 0200 315010400002 1 N/A ONLINE PIN 00 07 1 V MSI_405 00
Financial transaction request meets the contactless M/Chip-specific general acceptance criteria; but amount above Maestro
Contactless CVM required limit.
The following cases will test whether an acquirer's Single Message application can send properly formatted Financial Transaction
Requests containing DE 48, subelement 64 (Transit Program) with applicable values in subfield 1 (Transit Transaction Type Indicator)
and subfield 2 (Transportation Mode Indicator); 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 and Subset 7. For information about
obtaining Subset 3 and 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).

Case DE DE DE
ICC CONTACTLESS CAT

LEVEL 2 PURCHASE NO
0200 315015100001 1 N/A CVM 00 07 2 MSI_406 00
Financial request meets the contactless M/Chip-specific general acceptance criteria.
1 Pre-funded transit transaction type indicator with applicable transportation mode indicator
Information Data (9F27).
ICC CONTACTLESS CAT

LEVEL 2 PURCHASE NO
0200 315015100002 1 N/A CVM 00 07 2 MSI_406 00
2 Real-time authorized transit transaction type indicator with applicable transportation mode indicator

Case DE DE DE

0200 315015100004 1 N/A PIN 00 05 0 MSI_105 00
Financial request meets the chip-specific general acceptance criteria.

3 Pre-funded transit transaction type indicator with applicable transportation mode indicator
ICC CONTACTLESS CAT

LEVEL 2 PURCHASE NO
0200 315015100005 1 N/A CVM 00 07 2 MSI_406 00
4 Debt recovery transit transaction type indicator with applicable transportation mode indicator
0200: DE 48, SE 64, SF 1 = 07 (Debt Recovery
Information Data (9F27).
Requests
The following test cases will test whether an acquirer Single Message online application is able to send properly formatted device
token purchase Financial Transaction Requests that may contain optional DE 48, SE 33; and process the resulting Authorization
Responses containing DE 48, SE 33 when successful PAN mapping.

Requests
Case DE DE DE
ICC CONTACTLESS
Financial request meets the contactless M/Chip specific general acceptance criteria.
0200: DE 4 (Amount, Transaction) must be 000000002056 or 000000200056.
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.
Controller.
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
the Cardholder Authentication Service, 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.

Transaction Requests and Advices
Case DE DE DE
ICC ASI PURCHASE

ASI contact chip transaction successful authentication - transaction qualified for Cardholder Authentication Service Type 1.
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.
ICC ASI PURCHASE

ASI contact chip transaction successful authentication - transaction qualified for Cardholder Authentication Service Type 2.
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.
ICC ASI PURCHASE

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).

Case DE DE DE
ICC ASI PURCHASE

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).

0200 315170200005 1 N/A PIN 00 05 0 MSI_121 00
5 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.

0200 315170200006 1 N/A PIN 00 05 0 MSI_122 00
6 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.

The following test cases will test whether an acquirer's Single Message authorization application can send correctly formatted pre-
authorization Financial Transaction Requests and related Financial Transaction Advice message for Automated Fuel Dispenser
transactions.
First, customers must send the correctly formatted pre-authorization Financial Transaction Request on which the Financial Transaction
Advice is based.
Second, customers must send correctly formatted Financial Transaction Advice for the completed amount of the transaction.
Case DE DE DE
ICC CAT LEVEL 1


1

Case DE DE DE
ICC CAT LEVEL 1


2
0220: DE 60 = 290 or 2510010
ICC CAT LEVEL 1

0420 1 N/A DE 39 = 00 00

3

Case DE DE DE
ICC CAT LEVEL 1

4
0200: DE 37 (Retrieval Reference Number) must be same value as above Test Case Ref No for simulator to send appropriate
response data
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

6
0200: DE 37 (Retrieval Reference Number) must be same value as above Test Case Ref No for simulator to send appropriate
response data
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

0220 1 N/A DE 39 = 00 00

0220: DE 60 = 290 or 2510010

Case DE DE DE
ICC CAT LEVEL 1


9
ICC CAT LEVEL 1


10
0220: DE 60 = 290 or 2510010

Case DE DE DE
ICC CAT LEVEL 1

0420 1 N/A DE 39 = 00 00

11
ICC CAT LEVEL 1

0200: DE 4 = 000000010000 (transaction amount), DE 18 = 5542 (Automated Fuel Dispenser)
response data

Case DE DE DE
ICC CAT LEVEL 1

response data
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

response data

Case DE DE DE
ICC CAT LEVEL 1

0220 1 N/A DE 39 = 00 00

0220: DE 60 = 290 or 2510010

Notices
Notices
Following are policies pertaining to proprietary rights, trademarks, translations, and details about the availability of additional
information online.
Proprietary Rights The information contained in this document is proprietary and confidential to Mastercard International
Incorporated, one or more of its affiliated entities (collectively “Mastercard”), or both.
This material may not be duplicated, published, or disclosed, in whole or in part, without the prior written
permission of Mastercard.
Trademarks Trademark notices and symbols used in this document reflect the registration status of Mastercard
trademarks in the United States. Please consult with the Customer Operations Services team or the
Mastercard Law Department for the registration status of particular product, program, or service names
outside the United States.
All third-party product and service names are trademarks or registered trademarks of their respective
owners.
Disclaimer Mastercard makes no representations or warranties of any kind, express or implied, with respect to the
contents of this document. Without limitation, Mastercard specifically disclaims all representations and
warranties with respect to this document and any intellectual property rights subsisting therein or any part
thereof, including but not limited to any and all implied warranties of title, non-infringement, or suitability
for any purpose (whether or not Mastercard has been advised, has reason to know, or is otherwise in fact
aware of any information) or achievement of any particular result. Without limitation, Mastercard
specifically disclaims all representations and warranties that any practice or implementation of this
document will not infringe any third party patents, copyrights, trade secrets or other rights.

Notices
Translation A translation of any Mastercard manual, bulletin, release, or other Mastercard document into a language
other than English is intended solely as a convenience to Mastercard customers. Mastercard provides any
translated document to its customers “AS IS” and makes no representations or warranties of any kind with
respect to the translated document, including, but not limited to, its accuracy or reliability. In no event shall
Mastercard be liable for any damages resulting from reliance on any translated document. The English
version of any Mastercard document will take precedence over any translated version in any legal
proceeding.
Information Available Online Mastercard provides details about the standards used for this document—including times expressed,
language use, and contact information—on the Publications Support page available on Mastercard
Connect™. Go to Publications Support for centralized information.


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Summary of Changes, 9 August 2018

Description of Change Where to look

Removed Table 0601101—Acquirer POS Credit and Debit—MSR

Removed Table 0653555—Acquirer POS Credit and Debit—ICC

Removed Table 3153555—Acquirer POS Credit and Debit—ICC

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Summary of Changes, 9 August 2018.......................................................................................................................... 2

Chapter 1: Dual Message Authorization—Acquirer POS Credit and Debit............................................. 14

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

Products and Services........................................................................................................................................................... 189

Chapter 2: Dual Message Clearing—Acquirer POS Credit and Debit....................................................... 223

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Products and Services........................................................................................................................................................... 247

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

Products and Services........................................................................................................................................................... 338

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

Chapter 1 Dual Message Authorization—Acquirer POS Credit and Debit

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

©2002–2018 Mastercard. Proprietary. All rights reserved.

Mastercard Contactless M/Chip-specific General Acceptance Criteria................................................................................................ 190

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©2002–2018 Mastercard. Proprietary. All rights reserved.

Test Case Table Notations—Dual Message Authorization

TRIC Table Notations

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.

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

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

n/a Indicates Not Applicable.

x For addenda messages, indicates No Information.

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Test Cases—Magnetic Stripe-based Operations

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Business transaction format and content.

MSR CASH ADVANCE MCS_001

Business transaction format and content.

Business transaction format and content.

MSR CASH ADVANCE MCS_086

Business transaction format and content.

©2002–2018 Mastercard. Proprietary. All rights reserved.

Business transaction format and content.

Business transaction format and content.

Business transaction format and content.

Business transaction format and content.

©2002–2018 Mastercard. Proprietary. All rights reserved.

MSR CAT LEVEL 9 MCS_001

mPOS device Phone/Tablet +Dongle with PIN Pad

Business transaction format and content.

MSR PURCHASE WITH MCS_001

Business transaction format and content.

Business transaction format and content.

©2002–2018 Mastercard. Proprietary. All rights reserved.