We capture these conditions during the authorization and transaction processing. Multiple transaction conditions can apply to a single transaction. These are listed under CONDITION_LIST and can be accessed through the Transaction data export files (CONDITION_LIST). Additionally, we aggregate multiple transaction conditions into a single Transaction Condition Code, which is available for each transaction through the Transaction API as transactionConditionCode.

Transaction data export file / CONDITION_LIST

This list defines the transaction conditions that are included in the Transaction data export files and can be found under the field named CONDITION_LIST. Within the CONDITION_LIST, each transaction includes multiple conditions that describe various aspects of the transaction, such as:
  • The method of cardholder authentication
  • The method used to capture the card credentials
  • The type of payment terminal used
  • Whether the cardholder was present during the transaction
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 is present
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)
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
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
CVC2 is usedCVC2CVC2 is used
PIN based transactionPBTPIN is used for cardholder authentication
Contactless transactionCONTACTLESSContactless transaction
PIN terminalTERM_PINPIN terminal
Cardholder is authenticatedAUTHENTICATEDCardholder is authenticated
Cardholder not authenticatedNO_AUTHCardholder not authenticated
Cardholder Authentication Entity: authorizing agentAUTH_AGENTCardholder authenticated by authorization agent
Offline transactionOFFLINEOffline transaction
Online transactionONLINEOnline transaction
PIN onlinePBT_ONLINEPIN is verified in online
PIN cryptedPBT_CRYPTOPIN is crypted
Chip cardCARD_CHIPChip card
Chip card is defined by service codeCHIP_SVCChip card is defined by service code
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: Contactless ChipTERM_CHIP_CTLSTerminal can process chip contactless transaction
Chip data is transmittedDATA_CHIPChip data is read
Track data is transmittedDATA_TRACKTrack data is read
Transaction with Cardholder certificateSECURE_CODECardholder was certified
Secure AttemptSECURE_ATTEMPTUnsuccessful merchant attempt to certify cardholder
Authenticated transactionTRANS_AUTHTransaction has been authenticated
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
Mobile/remote POSMPOSA mobile acceptance solution which operates over an open network. It is an extension of a traditional POS system.
Token initiated/Token EntryTOKENA numeric identifier (token) is used in place of a PAN to initiate a transaction.
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)
Check PIN in offline capabilityCPBL_OFFLINE_PINIn transaction processing it was possible to check PIN in offline
Terminal Capability: Offline PINCPBL_OFFLINE_PINTerminal can process offline PIN

Interpreting the Condition List

Below are some examples of Condition Lists and their interpretations.
TypeCondition listConditions
ATM transactionATM, TERM_UNATT, TERM, TERM_CHIP, TERM_TRACK, AUTHENTICATED, TRANS_AUTH, PBT, CARD, CARDHOLDER, NO_MERCH, CARD_CHIP, READ_CHIP, DATA_CHIPThe transaction is an ATM transaction. The terminal is capable of reading both the chip and track data. The transaction is authenticated using the card, and it is PIN-based. Both the card and cardholder were present, while the merchant was not. The chip was read, and the chip data was transmitted.
Contactless POS transactionPOS, TERM, TERM_CHIP, TERM_CHIP_CTLS, CONTACTLESS, NO_AUTH, CARD, CARDHOLDER, MERCH, CARD_CHIP, CHIP_SVC, CPBL_OFFLINE_PIN, READ_CHIP, DATA_TRACK, DATA_CHIPContactless POS (Point of Sale) transaction.
Automated fuel dispenser transactionTERM_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_CHIPThe transaction was made using an unattended terminal where the cardholder was present, and the card used was a chip card. The transaction was authenticated, the terminal supports both offline PIN verification and EMV chip functionality, with the transaction being authorized and processed using the chip.
E-commerce purchaseENET, NO_SECURE, LINE_SECURE, NO_CARD, NO_CARDHOLDER, NO_MERCH, KEY_ENTRYOnline transaction where the cardholder was not physically present, the card details were manually entered. The transaction did not involve secure authentication protocols (NO_SECURE), but it was processed over a secure network (LINE_SECURE).
Recurring Mail/Phone orderPOS, TERM, MOTO, RECURRING, NO_AUTH, NO_CARD, NO_CARDHOLDER, MERCH, STOREDA recurring transaction, done remotely, where neither the card nor the cardholder is physically present, and there was no authentication involved. The merchant used stored card data.

Transaction API / transactionConditionCode

The Transaction Condition Code is available through the Transaction API. Unlike the CONDITION_LIST which lists multiple conditions, the transactionConditionCode is an aggregated value. Please note:
  • Many conditions are rare or only apply in specific cases, such as when the card only has a magnetic stripe.
  • Regulations vary across regions, and certain types may be considered non-applicable in Europe due to PSD2, but still permitted in other parts of the world.
  • Enfuce’s fraud rules automatically decline high-risk transaction types (e.g., chip terminals that fall back 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 & CVV
NMR2recurring order with PAN & exp
Merchant initiated transction (not e-com)NMSmerchant initiated transaction with stored card credentials
UnknownNNKmerchant 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