1 Introduction

This guide describes the Card Scheme chip card personalisation settings and provide the specific parameters that configure the card functionality.

Parameters generally fall into the following categories:

Mastercard

• Mastercard Chip and PIN Application (MCHIPA) Mastercard Chip and PIN Application, is a specification developed by MasterCard for the secure processing of transactions using EMV (Europay, Mastercard, and Visa) chip cards. It outlines the protocols and standards for card authentication, transaction processing, and data security in environments where chip-and-PIN is used.. These are generally items where the MCHIPA/EMV specifications give a choice to the issuer/program manager. For example, Card Issuer Action Code - Decline.

Visa

• Visa Integrated Specifications (VIS) A set of standards covering aspects of transaction processing such as security protocols, data formats, and communication methods between payment devices and networks.. These are generally items where the VIS/VCPS/EMV specifications give a choice to the issuer/program manager. For example, Application Default Action.

• Visa Contactless Payment Specification (VCPS) Outlines the requirements for conducting secure contactless transactions at point-of-sale (POS) devices.. For example, Application Default Action.

General

• Parameters relevant for the chip setup, defined by the program manager. For example, what MAC length The MAC length typically refers to the size of a MAC (Message Authentication Code) in cryptographic contexts. The length of a MAC can vary depending on the specific algorithm being used. Common MAC lengths are 128, 160, and 256 bits depending on the specific method used. for issuer script commands is supported by the card.

• EMV parameters. For example, Issuer Action Code - Decline.

• Parameters that will vary per card (not per profile). This guide will not mention these items unless relevant to profile setup. For example, PAN.

• Parameters that will vary per transaction (not per card or profile). For example, Amount Transaction or Application Cryptogram The Application Cryptogram is an encrypted value generated by the EMV chip card during a transaction. It is used for transaction validation, fraud prevention and data security. here are several types of application cryptograms used in EMV transactions: ARQC, ARPC and AAC.. This guide does not mention these items unless relevant to profile setup.

Chip Management on the Thredd Platform

For information on recommended chip settings for cards on the Thredd Platform, see Chip Management on the Thredd Platform.