Transaction conditions

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 is present
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)
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`	Mail Order
Phone order	`PHONE`	Phone order
Mail or phone order	`MOTO`	Mail or phone order
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
CVC2 is used	`CVC2`	CVC2 is used
PIN based transaction	`PBT`	PIN is used for cardholder authentication
Contactless transaction	`CONTACTLESS`	Contactless transaction
PIN terminal	`TERM_PIN`	PIN terminal
Cardholder is authenticated	`AUTHENTICATED`	Cardholder is authenticated
Cardholder not authenticated	`NO_AUTH`	Cardholder not authenticated
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 crypted	`PBT_CRYPTO`	PIN is crypted
Chip card	`CARD_CHIP`	Chip card
Chip card is defined by service code	`CHIP_SVC`	Chip card is defined by service code
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: Contactless Chip	`TERM_CHIP_CTLS`	Terminal can process chip contactless transaction
Chip data is transmitted	`DATA_CHIP`	Chip data is read
Track data is transmitted	`DATA_TRACK`	Track data is read
Transaction with Cardholder certificate	`SECURE_CODE`	Cardholder was certified
Secure Attempt	`SECURE_ATTEMPT`	Unsuccessful merchant attempt to certify cardholder
Authenticated transaction	`TRANS_AUTH`	Transaction has been authenticated
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
Mobile/remote POS	`MPOS`	A mobile acceptance solution which operates over an open network. It is an extension of a traditional POS system.
Token initiated/Token Entry	`TOKEN`	A numeric identifier (token) is used in place of a PAN to initiate a transaction.
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)
Check PIN in offline capability	`CPBL_OFFLINE_PIN`	In transaction processing it was possible to check PIN in offline
Terminal Capability: Offline PIN	`CPBL_OFFLINE_PIN`	Terminal can process offline PIN

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

​Transaction data export file / CONDITION_LIST

​Interpreting the Condition List

​Transaction API / transactionConditionCode

Transaction data export file / CONDITION_LIST

Interpreting the Condition List

Transaction API / transactionConditionCode