Transaction conditions
Transaction conditions describe the particular conditions in which a card transaction was made, for example, was the chip read or was it contactless, how was the cardholder authenticated and was it e-commerce or a card present transaction.
We capture these conditions during authorisation and transaction processing (from the card scheme). Information about the transaction conditions are exposed in the DWH transaction file (CONDITION_LIST) and the Transaction API (transactionConditionCode).
Transaction file / CONDITION_LIST
This list defines what are the transaction conditions which are added to Transaction files and can be found from the field called “CONDITION_LIST”.
In the CONDITION_LIST, each transaction has multiple conditions describing different aspects of the transaction like:
- If and how the cardholder was authenticated
- How were the card credentials captured
- What type of payment terminal was used
- Was the cardholder present or not
| Name | Code | Description |
|---|---|---|
| Terminal (automatic device) | TERM | Terminal (automatic device) |
| No automatic devices is used in transaction | NO_TERM | No automatic devices is used in transaction |
| Card present | CARD | Card present in transaction |
| Cardholder present | CARDHOLDER | Cardholder present |
| Merchant present | MERCH | Somebody from merchant site presents |
| Merchant not present | NO_MERCH | Merchant not present |
| ATM | ATM | Terminal Type: ATM |
| Terminal Type: CAT1 (Automated Dispensing Machine) | CAT1 | Terminal Type: CAT1 (Automated Dispensing Machine) |
| Terminal Type: CAT2 (Self-Service Terminal) | CAT2 | Terminal Type: CAT2 (Self-Service Terminal) |
| Terminal Type: CAT3 (Limited Amount Terminal) | CAT3 | Terminal Type: CAT3 (Limited Amount Terminal) |
| Terminal Type: CAT4 (in-flight commerce terminal) | CAT4 | Terminal Type: CAT4 (in-flight commerce terminal) |
| Terminal Type: CAT7 (transponders) | CAT7 | Terminal Type: CAT7 (transponders) |
| Imprinter | IMPRINTER | Imprinter is used in transactions |
| Cardholder not present | NO_CARDHOLDER | Cardholder not present |
| Card not present | NO_CARD | Card not present |
| Attended terminal | POS | Attended terminal |
| Unattended terminal | TERM_UNATT | Unattended terminal |
| Mail Order | Mail Order | |
| Phone order | PHONE | Phone order |
| Mail or phone order | MOTO | Mail or phone order |
| Ecommerce transaction | ECOMMERCE | Ecommerce transaction |
| Ecommerce no SSL | ECOM_NO_SSL | Ecommerce no SSL |
| Ecommerce SSL | ECOM_SSL | Ecommerce SSL |
| Ecommerce with cardholder certificate | ECOM_CERT | Ecommerce with cardholder certificate |
| Ecommerce with unsuccessful merchant attempt to certify cardholder | ECOM_ATTEMPT | Ecommerce with unsuccessful merchant attempt to certify cardholder |
| Ecommerce without cardholder certification | NO_ECOMM_CERT | Ecommerce without cardholder certification |
| Recurring transaction | RECURRING | Recurring transaction |
| Chip information is read | READ_CHIP | Chip information is read |
| Information is read from track | READ_TRACK | Information is read from track |
| Key entry | KEY_ENTRY | Key entry card input mode |
| Partial Grade | PART_GRADE | Chip transaction without chip data |
| Partial track | PART_TRACK | Partial track |
| CVC2 is used | CVC2 | CVC2 is used |
| PIN based transaction | PBT | PIN is used for cardholder authentication |
| Signature based transaction | SBT | Signature based transaction |
| Business Addendum exists | BUSN_ADDENDUM | Business Addendum exists |
| Contactless transaction | CONTACTLESS | Contactless transaction |
| Manual Verification of signature | SBT_MAN | Manual Verification of signature |
| Electronic Verification of signature | Manual Verification of signature | Electronic Verification of signature |
| Cardholder is authenticated | AUTHENTICATED | Cardholder is authenticated |
| Cardholder not authenticated | NO_AUTH | Cardholder not authenticated |
| Cardholder Authentication Entity: card | AUTH_CARD | cardholder authenticated by card |
| Cardholder Authentication Entity: merchant | AUTH_MERCH | Cardholder authenticated by merchant |
| Cardholder Authentication Entity: authorizing agent | AUTH_AGENT | Cardholder authenticated by authorization agent |
| Offline transaction | OFFLINE | Offline transaction |
| Online transaction | ONLINE | Online transaction |
| PIN online | PBT_ONLINE | PIN is verified in online |
| PIN offline | PBT_OFFLINE | PIN is verified in offline (by card) |
| PIN crypted | PBT_CRYPTO | PIN is crypted |
| PIN clear | PBT_CLEAR | PIN is sent in clear (not crypted) |
| Read chip is failed | FAIL_CHIP | Read chip is failed |
| Read track is failed | FAIL_TRACK | Read track is failed |
| Chip card | CARD_CHIP | Chip card |
| Chip card is defined by service code | CHIP_SVC | Chip card is defined by service code |
| Magnetic stripe card | CARD_TRACK | Magnetic stripe card |
| Card Data Input Capability: Chip | TERM_CHIP | Terminal can read chip data |
| Card Data Input Capability: Magnetic Stripe data | TERM_TRACK | Terminal can read magnetic stripe data |
| Card Data Input Capability: Key Entry | TERM_KEY_ENTRY | Terminal can process key entry |
| Card Data Input Capability: OCR | TERM_OCR | Terminal can process OCR transaction. Optical Character Recognition or OCR is a technology that recognizes text within an image. |
| Card Data Input Capability: BAR | TERM_BAR | Terminal can process BAR transaction |
| Card Data Input Capability: Contactless Chip | TERM_CHIP_CTLS | Terminal can process chip contactless transaction |
| Card Data Input Capability: Contactless Magnetic Stripe | TERM_TRACK_CTLS | Terminal can process contactless track transaction |
| Chip data is transmitted | DATA_CHIP | Chip data is read |
| Track data is transmitted | DATA_TRACK | Track data is read |
| Late transaction | LATE | Late transaction (in comparing with standard time frame for such transaction) (old-fashioned) |
| Transaction with Cardholder certificate | SECURE_CODE | Cardholder was certified |
| Secure Attempt | SECURE_ATTEMPT | Unsuccessful merchant attempt to certify cardholder |
| Short Message Service Protocol | MBSMS | Operation performed using Short Message Service protocol |
| Web-Browser | WEB | Operation performed using Web-Browser |
| PIN2 based transaction | PIN2 | Transaction authenticated using PIN2 |
| Installment transaction | INSTALLMENT | Installment transaction is a method of selling on credit, through which a seller of goods receives part of the purchase price at the time the goods are delivered and the balance thereof by installment payments over a fixed period. |
| Cardholder was authenticated by merchant | SECURE_BY_MERCH | Cardholder was authenticated by merchant (usually ecommerce) |
| Authenticated using Password List Card | MNET | Transaction authenticated using PWL_CARD |
| Authenticated using OTP_LIST | OTP_LIST | Transaction authenticated using One-Time Password from List |
| Authenticated using OTP_SMS | OTP_SMS | Transaction authenticated using One-Time Password delivered by SMS |
| Authenticated using OTP_AID | OTP_AID | Transaction authenticated using One-Time Password generated by AID token |
| Authenticated using OTP_HMAC | OTP_HMAC | Transaction authenticated using One-Time Password generated by OATH token |
| Authenticated using OTP_CAP | OTP_CAP | Transaction authenticated using One-Time Password generated by CAP calculator |
| Authenticated using OTP_DPA | OTP_DPA | Transaction authenticated using One-Time Password generated by DPA calculator |
| Authenticated using OTP_MMA | OTP_MMA | Transaction authenticated using One-Time Password generated by MMA calculator |
| Authenticated using static password | PASSWORD | Transaction authenticated using static password |
| Authenticated transaction | TRANS_AUTH | Transaction has been authenticated |
| Cardholder Authentication Entity: CAD | AUTH_CAD | Cardholder authenticated by Card acceptance device |
| Electronic Network transaction | ENET | Electronic operation performed through Electronic Network (Internet, Mobile Network, etc.) |
| Transaction without cardholder certification | NO_SECURE | Transaction without cardholder certification |
| Transaction through secure line | LINE_SECURE | Transaction through secure line |
| Transaction through insecure line | LINE_INSECURE | Transaction through insecure line |
| TeleBank Application | TBAPPL | Operation performed using TeleBank Application |
| Cardholder Authentication method: bio-verification | BVF_AUTH | Transaction has been authenticated by a bio-verification method |
| Authenticated using finger print | BVF_FINGER_PRINT | Transaction has been authenticated by the finger print bio-verification method |
| Key Map Service is used | KEY_MAP | External system performed mapping some (for example, device) account number to the cardholder’s funding account number |
| Mobile/remote POS | MPOS | A mobile acceptance solution which operates over an open network. It is an extension of a traditional POS system. |
| Read remote chip | REMOTE_CHIP | PAN entry via Remote Chip |
| PIN was not entered | NO_PIN | PIN entry required, PIN pad present, but PIN was not entered |
| Wallet Service Provider | WALLET | Operation performed using Wallet Service Provider |
| Issuer Risk Monitoring | RM_ISS | Authenticated transaction using issuer’s Risk Based Decisioning |
| Merchant Risk Monitoring | RM_MERCH | Merchant has their own risk based decisioning enabled |
| Digital Secure Remote Payment Transaction | DSRP | Digital Secure Remote Payment Transaction |
| Token initiated | TOKEN | A numeric identifier (token) is used in place of a PAN to initiate a transaction. |
| Token Entry | TOKEN | A numeric identifier (token) is used in place of a PAN to initiate a transaction. |
| Deferred transaction | DEFERRED | When the financial presentment takes place after an agrees period of time has elapsed (ISO) |
| Stored card details | STORED | Card details are stored with the retailer and called upon as transactions are performed, e.g. hotel reservation, Internet wallets, RFID tokens (ISO) |
| Signature by CVM Results | SBT_EMV | Signature verification indicated by EMV field 9F34 (CVM Results) |
| Check PIN in offline capability | CPBL_OFFLINE_PIN | In transaction processing it was possible to check PIN in offline |
| In-App Authentication | AUTH_APPL | Cardholder authenticated by an Application |
| Terminal Capability: Offline PIN | TERM_OFFLINE_PIN | Terminal can process offline PIN |
| Terminal Capability: Offline PIN | CPBL_OFFLINE_PIN | Terminal can process offline PIN |
| Information is read from QR code | READ_QR | Information about consumer or merchant is read from QR code |
| Consumer QR code | QR_CONS | QR code contains information about consumer (account number, etc.) |
| Merchant QR code | QR_MERCH | QR code contains information about merchant (merchant name, merchant id, account number, etc.) |
| information is read from track | READ_TRACK | Information is read from track |
Example of an ATM transaction:
,ATM,TERM_UNATT,TERM,TERM_CHIP,TERM_TRACK,AUTHENTICATED,TRANS_AUTH,PBT,CARD,CARDHOLDER,NO_MERCH,CARD_CHIP,READ_CHIP,DATA_CHIP,
→ This can be understood by using the list below that the transaction is ATM transaction and the terminal has been capable of reading chip and track. The transaction is authenticated by using card and the transaction is PIN-based. Card and cardholder has been present. Merchant has not been present, chip has been read and chip data has been transmitted.
Example of a contactless transaction:
,POS,TERM,TERM_CHIP,TERM_CHIP_CTLS,CONTACTLESS,NO_AUTH,CARD,CARDHOLDER,MERCH,CARD_CHIP,CHIP_SVC,CPBL_OFFLINE_PIN,READ_CHIP,DATA_TRACK,DATA_CHIP,
→ POS (Point of Sale) transaction which is done contactless
Example where card has been used in a automated fuel dispenser:
,TERM_UNATT,CAT1,TERM,TERM_CHIP,AUTHENTICATED,AUTH_CARD,TRANS_AUTH,PBT,PBT_OFFLINE,CARD,CARDHOLDER,NO_MERCH,CARD_CHIP,CHIP_SVC,CPBL_OFFLINE_PIN,READ_CHIP,DATA_TRACK,DATA_CHIP,
Example of the ecomm purchase:
,ENET,NO_SECURE,LINE_SECURE,NO_CARD,NO_CARDHOLDER,NO_MERCH,KEY_ENTRY,
Example of the Mail/Phone order/Reccuring transaction:
,POS,TERM,MOTO,RECURRING,NO_AUTH,NO_CARD,NO_CARDHOLDER,MERCH,STORED,
Transaction API / transactionConditionCode
The transaction condition code is available in the Transaction API. Unlike the CONDITION_LIST which lists multiple conditions, the condition code is an aggregated value.
To note:
- Many of the conditions are extremely rare or only applicable e.g. if card is mag stripe only
- Regulation in different areas in the world differ and some types might be considered to be non-applicable in Europe due to PSD2 but might still be allowed in other parts of the world
- Enfuce fraud rules systematically decline high risk types (e.g. chip terminals that fallback to mag stripe)
| Type | Code | Description |
|---|---|---|
| Cash withdrawal at ATM | ATM | mag stripe card, cardholder authentication with PIN |
| ATMC | chip card, cardholder authentication with PIN | |
| ATMF | chip card, terminal has read mag stripe, cardholder authentication with PIN | |
| ATMK | digital wallet (contactless), cardholder authentication with PIN | |
| ATML | contactless card, cardholder authentication with PIN | |
| E-com (insecure channel) | NEU | ecom transaction with PAN & exp, no 3DS |
| NEU2 | ecom transaction with PAN & exp & CVV, no 3DS | |
| TEU | e-com transaction with token | |
| E-com (secure channel (e.g. https)) | NEV | no CVV, no 3DS |
| NEV2 | no 3DS | |
| PES | 3DS attempted | |
| PET | 3DS authenticated | |
| SEU | stored credentials | |
| TES | with token, 3DS attempted | |
| TET | with token, 3DS authenticated | |
| TEV | with token, no 3DS | |
| TEV2 | token and CVV, no 3DS | |
| No terminal | NMN | no terminal, card credentials (PAN & exp) manually captured, cardholder authenticated with signature. |
| NMN2 | no terminal, card credentials (PAN & exp & CVV) manually captured, cardholder authenticated with signature. | |
| Mail/phone order | NMO | mail/phone order with PAN & exp |
| NMO2 | mail/phone order with PAN & exp & CVV | |
| Recurring | NMR | recurring order with PAN & exp |
| NMR2 | recurring order with PAN & exp & CVV | |
| Merchant initiated transction (not e-com) | NMS | merchant initiated transaction with stored card credentials |
| Unknown | NNK | unknown |
| Merchant has used condition combinations that are unexpected and can’t be categorised | ||
| Purchase at vending machine | PO1 | mag stripe card, cardholder authentication with PIN |
| PO1C | chip card, cardholder authentication with PIN | |
| PO1F | chip card, terminal has read mag stripe, cardholder authentication with PIN | |
| PO1G | chip card, chip only partially authenticated, cardholder authentication with PIN | |
| PO1K | digital wallet (contactless), cardholder authentication with PIN | |
| PO1L | chip contactless card, cardholder authentication with PIN | |
| Purchase at physical store | POE | mag stripe card, cardholder authentication with signature |
| POEC | chip card, cardholder authentication with signature | |
| POEF | chip card, terminal has read mag stripe, cardholder authentication with signature | |
| POEG | chip card, chip only partially authenticated, cardholder authentication with signature | |
| POEK | digital wallet | |
| POEL | chip contactless, no cardholder authentication | |
| POEP | mag stripe card, mag stripe only partially authenticated, cardholder authentication with signature | |
| POES | digital wallet, cardholder authentication with signature (mag stripe card) | |
| POM | card credentials (PAN&exp) keyed to terminal, cardholder authentication with signature | |
| POM2 | card credentials (PAN&exp&CVV) keyed to terminal, cardholder authentication with signature | |
| POS | mag stripe card, cardholder authentication with PIN | |
| POSC | chip card, cardholder authentication with PIN | |
| POSF | chip card, terminal has read mag stripe, cardholder authentication with PIN | |
| POSG | chip card, chip only partially authenticated, cardholder authentication with PIN | |
| POSK | digital wallet (contactless), cardholder authentication with PIN | |
| POSL | chip contactless, cardholder authentication with PIN | |
| POSS | contactless mag stripe, cardholder authentication with PIN | |
| Purchase at self-service terminal | POT | mag stripe card, cardholder not authenticated |
| POTC | chip card, cardholder not authenticated | |
| POTF | chip card, terminal has read mag stripe, cardholder not authenticated | |
| POTG | chip card, chip only partially authenticated, cardholder not authenticated | |
| POTK | digital wallet (contactless) | |
| POTL | chip contactless, cardholder not authenticated | |
| Purchase at self-service terminal (offline) | POU | mag stripe card, cardholder not authenticated |
| POUC | chip card, cardholder not authenticated | |
| POUF | chip card, terminal has read mag stripe, cardholder not authenticated | |
| POUG | chip card, chip only partially authenticated, cardholder not authenticated | |
| POUK | digital wallet | |
| POUL | chip contactless, cardholder not authenticated | |
| Purchase at in-flight terminal (offline) | POV | mag stripe card, cardholder not authenticated |
| POVC | chip card, cardholder not authenticated |