Appendix I: Card Usage Rules

Applies to non-regulated countries where the processing code is not updated. In order to prevent card declines in these countries, you should allow transactions with an unknown acceptance method.

Applies where a payment is made with a card when there is typically no face-to-face customer contact between customer and merchant, such as through a website or internet-based payment services.

A payment card transaction made over the phone where the cardholder cannot present the card physically to a merchant at the time the order is given.

A cardholder sets up a recurring payment schedule (Such as weekly, monthly or annually) and the card is automatically billed on the specified schedule. For example, a magazine subscription.

Where a merchant is keying card details in but not using ecommerce, phone/mail/order as transaction information.

The card card uses the legacy method of Mag stripe reading as a fallback. This happens in situations where the Chip technology cannot perform the transaction, such as where a card or the POS reader is faulty.

If set, any Mag Stripe PAN Entry transactions where DE22 = ‘02’ will be approved providing other validations are successful. This should be un-ticked if your organisation does not wish to allow PAN entry via magnetic stripe transactions.

Certain markets operate an Offline PIN environment either for security reasons around transferring the PIN across the whole network, or because of the costs around the extra infrastructure.

If set, allows the process in which the PIN entered by the cardholder is sent online for host verification.

If set, allows for signature verification where the chip PAN entry is unavailable. The card can be set to signature verification instead of PIN under the Disability Discrimination Act.

If set, allows for authorisation with no PIN or signature required when using a chip PIN entry. For example, in unattended car parking terminals where you pay for your parking ticket.

If set, allows for cash withdrawal outside the country of issue of the card.

If set, allows for cash withdrawal in currency other than card billing currency. For example, if billing is in British pounds, the customer could withdraw United States dollars.

If set, allows cardholders to pay for purchased goods or services outside the card’s country of issue. For example, if the card is issued in the UK it can be used in Spain.

If set, allows cardholders to pay for the purchased goods or services in a currency other than the card billing currency. For example, a Polish card has a billing currency of PLN (Polish Zloty) but can be used for purchases in SGD (Singapore Dollars).

If set, allows the use of either radio frequency or infrared technology to allow the card and the terminal to communicate or transact without physically touching.

If set, enables manual key transactions at a chip capable terminal. Even though a merchant may have a chip machine,” I would then say “instead” and not “rather than using the chip machine.

If set, enables manual key entry for the card. This is used for a growing number of mass transit systems, such as TfL in London, MRT in Singapore, and NSW Transport in Sydney.

If set, enables the use of contactless magstripe for transactions. Contactless mag stripe is a backward compatibility option if both card and POS terminal do not support Contactless EMV.

If set, allows for transactions where the card details have been saved with a merchant. For example, via a website or app to facilitate future transactions.

If set, allows for transactions where the terminal does not offer PIN entry to the cardholder.

Whether cardholders can receive cash in addition to purchase of goods or services

Whether cardholders can withdraw cash over the counter at a bank or other financial agency, up to a certain limit. For example, over the counter at a Bureau de Change.

Whether cardholders can withdraw cash from an Automated Teller Machine (ATM).

Whether cardholders are allowed to change their online PIN at an ATM.

Whether cardholders can view their balance from an ATM.

Whether cardholders can unblock their PIN from an ATM.

If set, enables refunds to cards.

If set, enables the purchase of physical goods and intangible services. Goods are items that can be seen and touched, such as books, pens and shoes. Services are provided by other people, such as doctors, barbers and waiters.

If set, enables the use of quasi cash for a card. Quasi Cash is when you use your prepaid card to purchase money orders, travellers checks, foreign currency, lottery tickets, casino chips, vouchers which are redeemable for cash, or racetrack wagers. A percentage fee of the amount of each transaction is applied to your card.

Mastercard only. If set, enables the use of credit auths. Credit Auths mainly refer to gambling credits but also to any money that is being credited to the cardholders account that is not a refund.

Visa only. If set, enables the use of credit auths. Credit Auths mainly refer to gambling credits but also to any money that is being credited to the cardholders account that is not a refund.

If set, enables account funding transactions (AFT). An AFT is a transaction in which funds are pulled from an account and used to fund a non-merchant account. For example, to load a pre-paid card, top up a wallet, or fund a person-to-person (P2P) money transfer.

If set, enables bill payments for cards using the Mastercard Network Exchange (MNE) scheme.

If set, enables Payment Credit (P2P) for cards using the Mastercard Network Exchange (MNE) scheme.

If set, enables Envelope-less Check Deposit for cards using the Mastercard Network Exchange (MNE) scheme.

If set, enables payments from third parties for cards using the Mastercard Network Exchange (MNE) scheme.

If set, enables deposit memos for cards using the Mastercard Network Exchange (MNE) scheme.

If set, Thredd will not verify the PIN and instead this will be sent over EHI for the client to verify and approve. Only available for Gateway Processing Modes 1, 2 and 4 for version 1.4 and later.

If set, Thredd will not verify the expiry and instead this will be sent over EHI for the client to verify and approve. Only available for Gateway Processing Modes 1, 2 and 4 for version 1.4 and later.

If set, Thredd will not verify the CVV2 and instead this will be sent over EHI for the client to verify and approve. Only available for Gateway Processing Modes 1, 2 and 4 for version 1.4 and later.

If set, allows Thredd to approve e-commerce transactions where CVV2 is blank.

If set, allows Thredd to approve MOTO transactions where CVV2 is blank.

If set, allows Thredd to approve recurring transactions where CVV2 is blank.

If set, allows Thredd to approve manual key entry transactions where CVV2 is blank.

If set, Thredd will not check the expiry date is present in the DE014 field in auths.

If set, permits recurring payment transactions where the expiry date is omitted.

If expiry date is present and incorrect, the transaction will still be declined.

If set, Thredd will send an issuer script to the card on each online EMV chip transaction that has been declined to force the next transaction online.

This setting is not supported by Visa.

If set, if the balance of the transaction is zero or negative then Thredd will return a field that ensures the next authorisation is sent to Thredd and not approved offline.

This setting is not supported by Visa.

If set, it always takes effect, if current transaction is approved or declined.

This setting is for Mastercard only.

If set, the ARPC response code byte 2 will have lowest 2 bits set to "01" instead of current "10".

This setting is for Mastercard only.

If set, enables alert mechanism of international e-commerce transactions.

This setting is for Mastercard only.

If set, enables instant funding for Mastercard MoneySend Instant Funding and Visa Fast Funds.

If set, overrides to allow international e-commerce where e-commerce is enabled but international transactions are blocked.

If set, the Credential on File merchant (For example, Apple or Amazon) can be outside of country of issue.

If set, cards receiving cash disbursement authorisations matching the appropriate conditions will be credited immediately if approved.

If set, when the inbound authorization request is of “Fast refund” type, the cardholder account is credited within a certain time frame.

This setting is for Mastercard only.