Terminal verification results

Terminal verification results (TVR) or Tag '95'[1] is an EMV data object . The TVR is a series of bits set by the terminal reading an EMV card, based on logical tests (for example has the card expired). This data object is used in the terminal's decision whether to accept, decline or go on-line for a payment transaction. The format of the TVR is as follows:[2][3]

Byte 1
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1Offline data authentication was not performed
1SDA failed
1ICC data missing
1Card number appears on hotlist
1DDA failed
1CDA failed
1RFU (Now SDA was selected)
0RFU
Byte 2
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1Card and terminal have different application versions
1Expired application
1Application not yet effective
1Requested service not allowed for card product
1New card
0RFU
0RFU
0RFU
Byte 3
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1Cardholder verification was not successful
1Unrecognised CVM
1PIN try limit exceeded
1PIN entry required, but no PIN pad present or not working
1PIN entry required, PIN pad present, but PIN was not entered
1On-line PIN entered
0RFU
0RFU
Byte 4
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1Transaction exceeds floor limit
1Lower consecutive offline limit exceeded
1Upper consecutive offline limit exceeded
1Transaction selected randomly of on-line processing
1Merchant forced transaction on-line
0RFU
0RFU
0RFU
Byte 5
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1Default TDOL Used
1Issuer authentication failed
1Script processing failed before final Generate AC
1Script processing failed after final Generate AC
1Relay resistance threshold exceeded (Contactless Kernel 2)
1Relay resistance time limits exceeded (Contactless Kernel 2)
00Relay resistance protocol not supported (Contactless Kernel 2)
01Relay resistance protocol not performed (Contactless Kernel 2)
10Relay resistance protocol performed (Contactless Kernel 2)
11RFU

See also

References
  1. EMV® Contactless Specifications for Payment Systems Book C-6 Kernel 6 Specification (PDF). EMVCo. 2016. p. 122. Archived from the original (PDF) on 2022-01-22. Retrieved 2022-01-31.
  2. EMV Integrated Circuit Card Specifications for Payment Systems - Book 3: Application Specification. EMVCo. 2011. p. 165. Archived from the original on 2012-04-07. Retrieved 2012-03-26.
  3. EMV Contactless Specifications for Payment Systems - Book C-2: Kernel 2 Specification (PDF). EMVCo. 2020. p. 543.
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