Skip to content

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 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