Transaction conditions
Transaction conditions define the specific circumstances under which a card transaction occurred. For example, they describe whether the chip was read or if the transaction was contactless, how the cardholder was authenticated, and whether the transaction was e-commerce or card-present.
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
| 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 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 |
Interpreting the Condition List
Below are some examples of Condition Lists and their interpretations.
| Type | Condition list | Conditions |
|---|---|---|
| ATM transaction | ATM, TERM_UNATT, TERM, TERM_CHIP, TERM_TRACK, AUTHENTICATED, TRANS_AUTH, PBT, CARD, CARDHOLDER, NO_MERCH, CARD_CHIP, READ_CHIP, DATA_CHIP | The 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 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 | Contactless POS (Point of Sale) transaction. |
| Automated fuel dispenser transaction | 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 | The 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 purchase | ENET, NO_SECURE, LINE_SECURE, NO_CARD, NO_CARDHOLDER, NO_MERCH, KEY_ENTRY | Online 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 order | POS, TERM, MOTO, RECURRING, NO_AUTH, NO_CARD, NO_CARDHOLDER, MERCH, STORED | A 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).
| 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 & CVV |
| NMR2 | recurring order with PAN & exp | |
| Merchant initiated transction (not e-com) | NMS | merchant initiated transaction with stored card credentials |
| Unknown | NNK | 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 |