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
NameCodeDescription
Terminal (automatic device)TERMTerminal (automatic device)
No automatic devices is used in transactionNO_TERMNo automatic devices is used in transaction
Card presentCARDCard present in transaction
Cardholder presentCARDHOLDERCardholder present
Merchant presentMERCHSomebody from merchant site presents
Merchant not presentNO_MERCHMerchant not present
ATMATMTerminal Type: ATM
Terminal Type: CAT1 (Automated Dispensing Machine)CAT1Terminal Type: CAT1 (Automated Dispensing Machine)
Terminal Type: CAT2 (Self-Service Terminal)CAT2Terminal Type: CAT2 (Self-Service Terminal)
Terminal Type: CAT3 (Limited Amount Terminal)CAT3Terminal Type: CAT3 (Limited Amount Terminal)
Terminal Type: CAT4 (in-flight commerce terminal)CAT4Terminal Type: CAT4 (in-flight commerce terminal)
Terminal Type: CAT7 (transponders)CAT7Terminal Type: CAT7 (transponders)
ImprinterIMPRINTERImprinter is used in transactions
Cardholder not presentNO_CARDHOLDERCardholder not present
Card not presentNO_CARDCard not present
Attended terminalPOSAttended terminal
Unattended terminalTERM_UNATTUnattended terminal
Mail OrderMAILMail Order
Phone orderPHONEPhone order
Mail or phone orderMOTOMail or phone order
Ecommerce transactionECOMMERCEEcommerce transaction
Ecommerce no SSLECOM_NO_SSLEcommerce no SSL
Ecommerce SSLECOM_SSLEcommerce SSL
Ecommerce with cardholder certificateECOM_CERTEcommerce with cardholder certificate
Ecommerce with unsuccessful merchant attempt to certify cardholderECOM_ATTEMPTEcommerce with unsuccessful merchant attempt to certify cardholder
Ecommerce without cardholder certificationNO_ECOMM_CERTEcommerce without cardholder certification
Recurring transactionRECURRINGRecurring transaction
Chip information is readREAD_CHIPChip information is read
Information is read from trackREAD_TRACKInformation is read from track
Key entryKEY_ENTRYKey entry card input mode
Partial GradePART_GRADEChip transaction without chip data
Partial trackPART_TRACKPartial track
CVC2 is usedCVC2CVC2 is used
PIN based transactionPBTPIN is used for cardholder authentication
Signature based transactionSBTSignature based transaction
Business Addendum existsBUSN_ADDENDUMBusiness Addendum exists
Contactless transactionCONTACTLESSContactless transaction
Manual Verification of signatureSBT_MANManual Verification of signature
Electronic Verification of signatureManual Verification of signatureElectronic Verification of signature
Cardholder is authenticatedAUTHENTICATEDCardholder is authenticated
Cardholder not authenticatedNO_AUTHCardholder not authenticated
Cardholder Authentication Entity: cardAUTH_CARDcardholder authenticated by card
Cardholder Authentication Entity: merchantAUTH_MERCHCardholder authenticated by merchant
Cardholder Authentication Entity: authorizing agentAUTH_AGENTCardholder authenticated by authorization agent
Offline transactionOFFLINEOffline transaction
Online transactionONLINEOnline transaction
PIN onlinePBT_ONLINEPIN is verified in online
PIN offlinePBT_OFFLINEPIN is verified in offline (by card)
PIN cryptedPBT_CRYPTOPIN is crypted
PIN clearPBT_CLEARPIN is sent in clear (not crypted)
Read chip is failedFAIL_CHIPRead chip is failed
Read track is failedFAIL_TRACKRead track is failed
Chip cardCARD_CHIPChip card
Chip card is defined by service codeCHIP_SVCChip card is defined by service code
Magnetic stripe cardCARD_TRACKMagnetic stripe card
Card Data Input Capability: ChipTERM_CHIPTerminal can read chip data
Card Data Input Capability: Magnetic Stripe dataTERM_TRACKTerminal can read magnetic stripe data
Card Data Input Capability: Key EntryTERM_KEY_ENTRYTerminal can process key entry
Card Data Input Capability: OCRTERM_OCRTerminal can process OCR transaction. Optical Character Recognition or OCR is a technology that recognizes text within an image.
Card Data Input Capability: BARTERM_BARTerminal can process BAR transaction
Card Data Input Capability: Contactless ChipTERM_CHIP_CTLSTerminal can process chip contactless transaction
Card Data Input Capability: Contactless Magnetic StripeTERM_TRACK_CTLSTerminal can process contactless track transaction
Chip data is transmittedDATA_CHIPChip data is read
Track data is transmittedDATA_TRACKTrack data is read
Late transactionLATELate transaction (in comparing with standard time frame for such transaction) (old-fashioned)
Transaction with Cardholder certificateSECURE_CODECardholder was certified
Secure AttemptSECURE_ATTEMPTUnsuccessful merchant attempt to certify cardholder
Short Message Service ProtocolMBSMSOperation performed using Short Message Service protocol
Web-BrowserWEBOperation performed using Web-Browser
PIN2 based transactionPIN2Transaction authenticated using PIN2
Installment transactionINSTALLMENTInstallment 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 merchantSECURE_BY_MERCHCardholder was authenticated by merchant (usually ecommerce)
Authenticated using Password List CardMNETTransaction authenticated using PWL_CARD
Authenticated using OTP_LISTOTP_LISTTransaction authenticated using One-Time Password from List
Authenticated using OTP_SMSOTP_SMSTransaction authenticated using One-Time Password delivered by SMS
Authenticated using OTP_AIDOTP_AIDTransaction authenticated using One-Time Password generated by AID token
Authenticated using OTP_HMACOTP_HMACTransaction authenticated using One-Time Password generated by OATH token
Authenticated using OTP_CAPOTP_CAPTransaction authenticated using One-Time Password generated by CAP calculator
Authenticated using OTP_DPAOTP_DPATransaction authenticated using One-Time Password generated by DPA calculator
Authenticated using OTP_MMAOTP_MMATransaction authenticated using One-Time Password generated by MMA calculator
Authenticated using static passwordPASSWORDTransaction authenticated using static password
Authenticated transactionTRANS_AUTHTransaction has been authenticated
Cardholder Authentication Entity: CADAUTH_CADCardholder authenticated by Card acceptance device
Electronic Network transactionENETElectronic operation performed through Electronic Network (Internet, Mobile Network, etc.)
Transaction without cardholder certificationNO_SECURETransaction without cardholder certification
Transaction through secure lineLINE_SECURETransaction through secure line
Transaction through insecure lineLINE_INSECURETransaction through insecure line
TeleBank ApplicationTBAPPLOperation performed using TeleBank Application
Cardholder Authentication method: bio-verificationBVF_AUTHTransaction has been authenticated by a bio-verification method
Authenticated using finger printBVF_FINGER_PRINTTransaction has been authenticated by the finger print bio-verification method
Key Map Service is usedKEY_MAPExternal system performed mapping some (for example, device) account number to the cardholder’s funding account number
Mobile/remote POSMPOSA mobile acceptance solution which operates over an open network. It is an extension of a traditional POS system.
Read remote chipREMOTE_CHIPPAN entry via Remote Chip
PIN was not enteredNO_PINPIN entry required, PIN pad present, but PIN was not entered
Wallet Service ProviderWALLETOperation performed using Wallet Service Provider
Issuer Risk MonitoringRM_ISSAuthenticated transaction using issuer’s Risk Based Decisioning
Merchant Risk MonitoringRM_MERCHMerchant has their own risk based decisioning enabled
Digital Secure Remote Payment TransactionDSRPDigital Secure Remote Payment Transaction
Token initiatedTOKENA numeric identifier (token) is used in place of a PAN to initiate a transaction.
Token EntryTOKENA numeric identifier (token) is used in place of a PAN to initiate a transaction.
Deferred transactionDEFERREDWhen the financial presentment takes place after an agrees period of time has elapsed (ISO)
Stored card detailsSTOREDCard 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 ResultsSBT_EMVSignature verification indicated by EMV field 9F34 (CVM Results)
Check PIN in offline capabilityCPBL_OFFLINE_PINIn transaction processing it was possible to check PIN in offline
In-App AuthenticationAUTH_APPLCardholder authenticated by an Application
Terminal Capability: Offline PINTERM_OFFLINE_PINTerminal can process offline PIN
Terminal Capability: Offline PINCPBL_OFFLINE_PINTerminal can process offline PIN
Information is read from QR codeREAD_QRInformation about consumer or merchant is read from QR code
Consumer QR codeQR_CONSQR code contains information about consumer (account number, etc.)
Merchant QR codeQR_MERCHQR code contains information about merchant (merchant name, merchant id, account number, etc.)
information is read from trackREAD_TRACKInformation 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)
TypeCodeDescription
Cash withdrawal at ATMATMmag stripe card, cardholder authentication with PIN
ATMCchip card, cardholder authentication with PIN
ATMFchip card, terminal has read mag stripe, cardholder authentication with PIN
ATMKdigital wallet (contactless), cardholder authentication with PIN
ATMLcontactless card, cardholder authentication with PIN
E-com (insecure channel)NEUecom transaction with PAN & exp, no 3DS
NEU2ecom transaction with PAN & exp & CVV, no 3DS
TEUe-com transaction with token
E-com (secure channel (e.g. https))NEVno CVV, no 3DS
NEV2no 3DS
PES3DS attempted
PET3DS authenticated
SEUstored credentials
TESwith token, 3DS attempted
TETwith token, 3DS authenticated
TEVwith token, no 3DS
TEV2token and CVV, no 3DS
No terminalNMNno terminal, card credentials (PAN & exp) manually captured, cardholder authenticated with signature.
NMN2no terminal, card credentials (PAN & exp & CVV) manually captured, cardholder authenticated with signature.
Mail/phone orderNMOmail/phone order with PAN & exp
NMO2mail/phone order with PAN & exp & CVV
RecurringNMRrecurring order with PAN & exp
NMR2recurring order with PAN & exp & CVV
Merchant initiated transction (not e-com)NMSmerchant initiated transaction with stored card credentials
UnknownNNKunknown
Merchant has used condition combinations that are unexpected and can’t be categorised
Purchase at vending machinePO1mag stripe card, cardholder authentication with PIN
PO1Cchip card, cardholder authentication with PIN
PO1Fchip card, terminal has read mag stripe, cardholder authentication with PIN
PO1Gchip card, chip only partially authenticated, cardholder authentication with PIN
PO1Kdigital wallet (contactless), cardholder authentication with PIN
PO1Lchip contactless card, cardholder authentication with PIN
Purchase at physical storePOEmag stripe card, cardholder authentication with signature
POECchip card, cardholder authentication with signature
POEFchip card, terminal has read mag stripe, cardholder authentication with signature
POEGchip card, chip only partially authenticated, cardholder authentication with signature
POEKdigital wallet
POELchip contactless, no cardholder authentication
POEPmag stripe card, mag stripe only partially authenticated, cardholder authentication with signature
POESdigital wallet, cardholder authentication with signature (mag stripe card)
POMcard credentials (PAN&exp) keyed to terminal, cardholder authentication with signature
POM2card credentials (PAN&exp&CVV) keyed to terminal, cardholder authentication with signature
POSmag stripe card, cardholder authentication with PIN
POSCchip card, cardholder authentication with PIN
POSFchip card, terminal has read mag stripe, cardholder authentication with PIN
POSGchip card, chip only partially authenticated, cardholder authentication with PIN
POSKdigital wallet (contactless), cardholder authentication with PIN
POSLchip contactless, cardholder authentication with PIN
POSScontactless mag stripe, cardholder authentication with PIN
Purchase at self-service terminalPOTmag stripe card, cardholder not authenticated
POTCchip card, cardholder not authenticated
POTFchip card, terminal has read mag stripe, cardholder not authenticated
POTGchip card, chip only partially authenticated, cardholder not authenticated
POTKdigital wallet (contactless)
POTLchip contactless, cardholder not authenticated
Purchase at self-service terminal (offline)POUmag stripe card, cardholder not authenticated
POUCchip card, cardholder not authenticated
POUFchip card, terminal has read mag stripe, cardholder not authenticated
POUGchip card, chip only partially authenticated, cardholder not authenticated
POUKdigital wallet
POULchip contactless, cardholder not authenticated
Purchase at in-flight terminal (offline)POVmag stripe card, cardholder not authenticated
POVCchip card, cardholder not authenticated