U.S.

Quick Chip and Minimum

Terminal Configuration ADVT Version
7/CDET Version 2.3 Use Cases
Version 2.7

June 2020
Visa Confidential
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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Contents

U.S. Quick Chip and Minimum Terminal Configuration ADVT / CDET Use Cases ......................................... 1
Objective ...................................................................................................................................................................................... 1
Business Justification ............................................................................................................................................................... 1
Terminal Applicability .............................................................................................................................................................. 2
ADVT Required Actions / Expected Results .................................................................................................................... 2
1.1 U.S. ADVT Test Cases..................................................................................................................................................... 4
1.2 U.S. CDET Test Cases ..................................................................................................................................................... 8
1.3 Conditional U.S. Credit Online PIN Test Case .................................................................................................... 11
1.4 U.S. MSD Only Contactless Test Case ................................................................................................................... 13

U.S. Specific Test Cases including U.S. Common Debit AID .............................................................................14
Objective .................................................................................................................................................................................... 14
Business Justification ............................................................................................................................................................. 14
Terminal Applicability ............................................................................................................................................................ 15
Required Actions / Expected Results ............................................................................................................................... 15
1.5 Visa Debit Common Debit AID Test Cases ......................................................................................................... 16

Ancillary U.S. Fleet Test Cases ................................................................................................................................. 34

References .................................................................................................................................................................... 39

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

U.S. Quick Chip and Minimum Terminal Configuration ADVT /

CDET Use Cases

Objective

Simplify testing process for all U.S. POS and ATM environments following Visa minimum U.S. online only
terminal configuration and Quick Chip. This version incorporates all U.S. use cases for both Acquirer Device
Validation Toolkit (ADVT) version 7.0 and all published updates, which is the contact chip testing toolkit, and
Contactless Device Evaluation Toolkit (CDET) version 2.3 and all published updates, which is the contactless
testing toolkit, including ancillary and U.S. Debit.
Note: Reference to BIN in this document indicates Issuing (ISO) BIN.

Business Justification

Acquirers participating in the Visa U.S. Chip Acquirer Self Accreditation Program can use this minimum set of test
scripts for contact and contactless chip point of sale (POS) solutions. To help minimize negative cardholder and
merchant experiences while using a contact or contactless chip card or device at the point of sale, it is
recommended that acquirers and merchants deploy POS solutions that are configured to only process
transactions in an online environment. These deployments will only need to perform the minimum set of test
scripts outlined in this document. All errors should be resolved and all tests passed before the terminal is
deployed. Refer to each test case’s pass/fail criteria for more details.

Visa may request logs, receipts, and test results for problem resolution, and ask the acquirer or merchant to
undertake specific post-deployment testing if Visa determines that a terminal is causing acceptance issues in the
field.

If a terminal supports offline functionality (e.g. ODA), that deployment must use the latest global versions of
ADVT and CDET. Due to the zero-floor limit in the U.S., Offline Data Authentication (ODA) is not recommended.

Acquirers submitting terminal test results into the Chip Compliance Reporting Tool (CCRT) should use this
document, which is a subset of ADVT and CDET test cases and U.S. specific test cases.

If a terminal is not configured for any offline functionality, that deployment can use the minimum U.S. online
only terminal configuration ADVT version, which includes Quick Chip. It will allow for implementation to proceed
with reduced testing cycles, fewer test cases, and a faster implementation time. This ADVT version is also
intended for regression testing – i.e., scenarios that lead to retesting due to changes in terminal configuration
that impact the payment application chip processing or the kernel.

If deploying online only terminals that support Quick Chip and the terminal previously completed ADVT, then
regression testing is recommended using this ADVT version. If it is a new online only terminal deployment with
Quick Chip support, the U.S. online only Minimum Terminal Configuration ADVT can be used.

Similar to ADVT, CDET allows acquirers to validate the correct configuration of their contactless readers. The
toolkit is also a self-administered solution. For new reader deployments, the acquirer executes each applicable

June 2020 Visa Confidential 1

 Terminal Applicability

CDET test to confirm that the expected outcome is achieved. CDET is an incremental set of contactless test cases.
It consists of a set of mandatory test cases and a few conditional test cases. Conditional test cases depend on
the terminal configuration and support of U.S. Debit.

Visa’s streamlined U.S. acquirer contactless chip L3 self-certification process provides an autonomous, simple,
and fast process to migrate to Quick Visa Smart Debit/Credit (qVSDC). For devices that are currently certified for
EMV® contact chip, Visa does not require a formal EMV L3 terminal certification with the Acquirer/Processor
when adding qVSDC. Only self-testing is required. See the EMV Newsletter October/November 2018 for
required testing steps for your particular starting point.

Note: CDET is not merchant vertical specific. It can be used to test solutions with pre-determined amounts.
Strongly recommend all new readers should support Quick Visa Smart Debit/Credit (qVSDC) path only. For a
streamlined contactless implementation, refer to Quick Chip Specification v2.0, which adds qVSDC alignment
with Quick Chip.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Terminal Applicability

Applies for U.S. POS and ATM devices following Visa minimum U.S. online only terminal configuration. Any
EMVCo approved Terminal Type value can be used as an U.S. online only configuration via a zero floor limit and
appropriate TAC online settings. This includes values 12, 22, 15 or 25.

ADVT Required Actions / Expected Results

Each of the following use cases has been associated with the global ADVT and each are applicable when
performing Visa contact chip online only configured terminal testing prior to a U.S. deployment.

The terminal must perform a complete VSDC transaction without error, resulting in an online approval. A
complete transaction is defined as the performance of all selected VSDC functions from Application Selection
through to Completion. Error messages (such as Not Accepted or Card Error) are not acceptable and indicate
failure of the test.

Note: An online approval is based on one of the following implementation options.

• Basic Chip Implementations – an online approval is based on an Authorization Response Code (F39)
value of 00, 10, or 11; and a TC response to the GENERATE AC 2 command.

• Quick Chip Implementations – an online approval is based on an Authorization Response Code (F39)
value of 00, 10, or 11.

These test cases are not merchant vertical specific. For example, if testing Automated Fuel Dispensers (AFDs),
complete the test using the status check transaction or the pre-authorization based on the implementation
approach.

Include Terminal Capability Values (Tag '9F33') and the Terminal Action Code (TAC) values for U.S. Debit test
submissions into CCRT in the comments section of the applicable debit test case. This testing should be

2 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

conducted in VCMS with online authorization messages being sent to VisaNet Stand-In Processing, or by
connecting to an approved host simulator.

If the terminal is configured for online only configuration and Quick Chip, this version of ADVT, which includes
U.S. Debit test cases, can be performed instead of full ADVT for each unique terminal configuration. If also
supporting contactless, perform full CDET testing using the U.S version of CDET, which includes U.S. Debit test
cases.

For terminals with two or more kernel configurations, perform testing on the highest functionality kernel and
regression test only with the other configurations. No reporting requirements for regression testing.

Receipt Requirements

The applicable AID must be printed on the receipt and it is strongly recommended that the Application Label
and Application Preferred Name be printed as well.

Note: It is a Visa Best Practice to print the application name (either Application Preferred Name or Application
Label depending on support for the Issuer Code Table Index) on the receipt. Refer to the Transaction
Acceptance Device Guide for details.

Visa does not review receipts during test results validation. However, during testing ensure that receipts meet
each test case requirement. For more details, refer to each specific test case.

Optional U.S. Fleet test cases are available for petroleum merchants to test support of Fleet when migrating to
EMV.

The associated ADVT/CDET test cards and U.S. debit test cards should be used for these test cases. They can be
obtained through Visa’s third party fulfillment service. Visa-confirmed third party vendors may also be able to
support testing. For a list of Visa U.S. Confirmed Third-party Chip Acceptance Tool Suppliers, see U.S. Supporting
Documentation at https://technologypartner.visa.com. For a list of global products, refer to Visa-confirmed tool
vendors, see Products and Toolkits at https://technologypartner.visa.com.

June 2020 Visa Confidential 3

 ADVT Required Actions / Expected Results

1.1 U.S. ADVT Test Cases

Test Case Summary (Expected results and other relevant information for all these cases can be found
in the latest version of the ADVT User Guide).

Table 1-1: Test Case Summary

Test Test Case Description Mandatory ADVT
Card/Case vs. Online
Number Conditional Testing
(M/C)
1 Basic VSDC—Basic VSDC card personalized with a unique Primary Account M ✓
Number (PAN) and the card is personalized to require successful Issuer
Authentication on online transactions.
Note: Test case 1c and 1d are not applicable for merchants with
Quick Chip support.

Pass criteria:
Transaction must be approved online and the device must perform a
complete transaction without any error messages.
8 Fallback—Card created to allow magnetic stripe fallback testing. M

Pass criteria:
The device must attempt to read the chip, realize that its Candidate List
is empty, and allow the magnetic stripe to be read. This test should
validate that the device allows for a magnetic stripe entry when its
Candidate List is empty and then perform a magnetic stripe online
transaction.

Note: Card results in an empty Candidate List.

12 Proprietary Data and 6-digit PIN—Card contains: M ✓

• PSE and has proprietary tag data within the PSE
• Proprietary data within the application
• 6-digit PIN

Pass criteria:
Transaction must be approved online and online Card Authentication
must be successful (Field 44.8 = 2).
15 DDA with 1984 Certificate—Card supports the T=1 protocol and contains M ✓
an Issuer Public Key Certificate signed by Visa’s 1984-bit CA test key.

Pass criteria:
The transaction must be approved online. An error message or an
offline decline is not acceptable and indicates failure of the test.

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Test Test Case Description Mandatory ADVT

Card/Case vs. Online
Number Conditional Testing
(M/C)
16 Plus and Visa Interlink—Card containing the following: M – ATM ✓
• Visa RID (A00000003) with the Plus PIX (8010) and a suffix of ‘01’ C – POS
• Visa RID (A00000003) with the Interlink PIX (3010) (Interlink AID)
Note: Test Case not applicable to POS with ‘No CVM’
kernels
Pass criteria:
The transaction must be approved online. An error
message or an offline decline is not acceptable and
indicates failure of the test.

17 Visa Electron—Card is a Visa Electron card with an unusable magnetic M ✓

stripe.

Pass criteria:
The transaction must be approved online. An error message or an
offline decline is not acceptable and indicates failure of the test.

19 Account Number with Padded Fs—Card with a 16-digit account number M ✓

padded with hexadecimal “F’s” up to a maximum account number length.

Pass criteria:
The transaction must be approved online. An error message or an
offline decline is not acceptable and indicates failure of the test.
20 No PAN Sequence Number—Card without a PAN Sequence Number. M ✓

Pass criteria:
The transaction must be approved online. An error message or an
offline decline is not acceptable and indicates failure of the test.
21 PAN Sequence Number of 11—Card with a PAN Sequence Number of 11. M ✓

Pass criteria:
The transaction must be approved online. An error message or an
offline decline is not acceptable and indicates failure of the test.

June 2020 Visa Confidential 5

 ADVT Required Actions / Expected Results

Test Test Case Description Mandatory ADVT

Card/Case vs. Online
Number Conditional Testing
(M/C)
23 Multiple Features—Card contains a PSE, with an issuer URL in both the PSE M ✓
and application data, extra Issuer Application Data in tag 9F 10, an
Application Expiration Date of December 31, 2025, and a CVM List which
does not contain Signature.

Note: An online decline is acceptable for Signature-only kernels. However,

the device must still be able to process a CVN 18 transaction.

Pass criteria:
The transaction must be approved online. An error message or an
offline decline is not acceptable and indicates failure of the test.

24 Multiple Features: M ✓
• Online approval of a card supporting Issuer Authorization, when
Issuer Authentication Data is not returned. (not applicable for Quick
chip implementations)
• Application #2, supports Cryptogram Version Number (CVN) ‘22’
and 32-Byte Issuer Application Data (IAD) length in tag 9F10

Pass Criteria:
If Cardholder selection is supported by the terminal then the 2
transactions (application 1 and 2) must be approved online. If
Cardholder selection is not supported then the highest priority
application’s transaction must be approved online. An error message or
an offline decline is not acceptable and indicates failure of the test. After
going online, the transaction must be approved at the terminal.
Reminder: expected results and other relevant information for this test case
can be found in the ADVT User Guide.
1A.1 (US Accept Visa AID and route to Network 2 (Signature, No CVM) C – POS ✓
Debit Test
card 1)

1A.2 (US Accept cashback and route to Network 3 (Online PIN) C – POS ✓
Debit Test (Interlink &
card 1) Cashback)
1A.3 (US Accept cash and route to Network 4 or Network 2 (Online PIN) C - ATM ✓
Debit Test
card 1)
1A.4 (US Accept US Common Debit AID and route to Network 3 (Online PIN) C – POS ✓
Debit Test
card 1)

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Test Test Case Description Mandatory ADVT

Card/Case vs. Online
Number Conditional Testing
(M/C)
1A.5 (US Accept US Common Debit AID and automatic debit selection (e.g. PIN C – POS ✓
Debit Test Steering) cancel or exit PIN entry and route Network 2 (Common
card 1) Debit AID &
PIN Steering)
2A.1 (US Accept Visa Credit AID and route to Network 2 using the multi-application C - POS ✓
Debit Test card
card 3)
2A.2 (US Accept Visa Credit AID and route to Network 4 or Network 2 using the C – ATM ✓
Debit Test multi-application card
card 3)
3A.1 (US Ensure acceptance of Canadian-issued cards M ✓
Debit Test
card 4)
5A.1 (US Correct terminal processing of a card supporting Online Enciphered PIN for C ✓
Credit test Credit, when this is the preferred CVM (if supporting Online Enciphered PIN
card 5) acceptance for credit)

June 2020 Visa Confidential 7

 ADVT Required Actions / Expected Results

1.2 U.S. CDET Test Cases

Test Case Summary (Expected results and other relevant information for all these cases can be found in the latest
version of the CDET User Guide).

Note: when testing a terminal accepting contactless payments at a transit gate, refer to the latest
version of the U.S. Visa Contactless Transit Terminal Testing document.

Table 2-1: Test Case Summary

Test Test Case Description Mandatory vs. Online Applicable
Card/Case Conditional (M/C) (Y/N)
Number
1 VCPS 2.0.2 Baseline Card M Y
2 VCPS 2.1.x Baseline Card M Y
3 Card with the following features: M Y
• a 16-byte ADF Name
• A PDOL that requests a 2-byte long TTQ
• No Application PAN Sequence Number
• A Cardholder Name with a minimum value of “/”
• A Service Code = 621
4 Multi-application card with additional data in the GPO M Y
Response and with no Cardholder Name
5 Card that: M Y
• returns additional data in its SELECT PPSE Response
• does not include a PVKI or PVV in Track 2 Equivalent
Data
6 qVSDC-only card with a 19-digit PAN and uses CVN 18 M Y
7 Online-only card with an Electron AID M Y
8 Online-only card with an Interlink AID C Y
9 VMPA Card containing “00” and “FF” Padding in the GPO M Y
and a Read Record Responses respectively
10 Card with an Issuer Application Data length of 23-bytes M Y
and an ‘unrecognized CVM’
11 VMPA-based card that causes a Pre-tap scenario M N
13 Card set to decline the transaction, to ensure that the M N
terminal does not attempt the transaction over another
interface

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Test Test Case Description Mandatory vs. Online Applicable

Card/Case Conditional (M/C) (Y/N)
Number
17 a) For normal merchant environments, the intent is M Y*
to determine the Reader’s behavior to a non-
compliant Track 2 Equivalent Data (38-characters).

Pass Criteria:
Test Pass Criteria
case

a The transaction should be completed

gracefully. *If an error is encountered
during the transaction, the terminal
should handle transactions gracefully
to limit interoperability issues and for
an optimal cardholder acceptance
experience.

Note 1: the maximum ISO length of

track2 is equal to 37-characters.
Note 2: transaction outcome (i.e.
approval or decline) is not a factor in the
pass criteria.

1C.1 (US Select the Visa AID via contactless interface without C Y
Debit Test cashback.
card 1)
1C.2 (US (ATM) cash or (POS) cashback transaction using Visa AID C Y
Debit Test via contactless interface, POS route to Interlink, ATM route
card 1) to Network 4 or Network 2. (Online PIN required).
1C.3 (US Select the Visa U.S. Common Debit AID via contactless C Y
Debit Test interface, without cashback, route to Visa Network 2.
card 2)
1C.4 (US Select the Visa U.S. Common Debit AID via contactless C Y
Debit Test interface, without cashback, route to Interlink.
card 2)
1C.5 (US (ATM) cash or (POS) cashback transaction using the Visa C Y
Debit Test U.S. Common Debit AID via contactless interface, POS
card 2) route to Interlink, ATM route to Network 4 or Network 2
(Online PIN required).
1C.6 (US Support U.S. Common Debit and Automatic Debit C Y
Debit Test Selection (i.e. PIN Steering).
card 2)

June 2020 Visa Confidential 9

 ADVT Required Actions / Expected Results

Test Test Case Description Mandatory vs. Online Applicable

Card/Case Conditional (M/C) (Y/N)
Number
2C.1 (US Accept Visa Credit AID and route to Network 2 using the C-POS Y
Debit Test multi-application card.
card 3)
2C.2 (US Accept Visa Credit AID and route to Network 4 or C-ATM Y
Debit Test Network 2 using the multi-application card.
card 3)
5C.1 (US Correct terminal processing of a card supporting Online C Y
Credit Test Enciphered PIN for Credit, when this is the preferred CVM
card 5) (if supporting Online Enciphered PIN acceptance for
credit).
6C.1 (US To ensure terminal accepting contactless payments does M N
MSD only not support MSD contactless.
Test card
6)

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

1.3 Conditional U.S. Credit Online PIN Test Case

Test Card Summary

Test Card Test Card Description

Number
US Credit Test Card 5 (Dual Interface Credit with Online PIN preferred CVM for credit – supports ADVT and CDET test
Test Card cases)
5
There is 1 AID on this card:

AID 1

• DF Name (tag '84') =

'A0 00 00 00 03 10 10'
Visa Credit AID, accessible over both contact and contactless interfaces

Note: MSD CVN 17 is not supported via the contactless interface.

US Credit Test Card 5

Use Case Objective Expected Result

ADVT U.S. Credit 5A.1 Correct terminal processing of a card supporting Successfully complete VSDC online
Online Enciphered PIN for Credit, when this is the transaction with successful CAM.
(C)
preferred CVM.
Authorization request carries DF Name
(Online)
(Tag '84') = VISA AID ('A0 00 00 00 03 10
(POS/ATM) Condition: applicable if elect to support Online 10').
Enciphered PIN acceptance for credit.
VISA AID shall be printed on the receipt
when applicable.

Note: the PIN value is ‘1234’. It is strongly recommended that the

Application Label ("Visa Credit") also be
printed on the receipt.

TVR B3b3 = 1 if Online PIN is the CVM.

Online PIN successfully validated.

June 2020 Visa Confidential 11

 ADVT Required Actions / Expected Results

Use Case Objective Expected Result

CDET U.S. Credit 5C.1 Correct terminal processing of a card supporting Successfully complete VSDC online
Online Enciphered PIN for Credit, when this is the transaction with successful CAM.
(C)
preferred CVM.
Authorization request carries DF Name
(Online)
(Tag '84') = VISA AID ('A0 00 00 00 03 10
(POS/ATM) Condition: applicable if elect to support Online 10').
Enciphered PIN acceptance for credit.
VISA AID shall be printed on the receipt
when applicable.

Note: the PIN value is ‘1234’. It is strongly recommended that the

Application Label ("Visa Credit") also be
printed on the receipt.

Online PIN successfully validated.

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

1.4 U.S. MSD Only Contactless Test Case

Test Card Summary

Test Card Test Card Description

Number
U.S. MSD Test Card 6 (Card supporting only contactless MSD legacy).
only Test
There is 1 AID on this card:
card 6

AID 1

• DF Name (tag '84') =

'A0 00 00 00 03 10 10'
Visa AID, accessible over the contactless interface.

Note: VSDC Applet Version: 2.8.1G1 (supporting MSD Legacy only). MSD CVN17 is not supported.

U.S. MSD Only Test Card 6

Use Case Objective Expected Result

CDET U.S. MSD only To ensure terminal TTQ Byte 1 bit 8 must be equal to 0b (MSD not
6C.1 accepting contactless supported).
(M) payments does not
support MSD The Reader displays the correct error message (e.g.
(Not Online) contactless. “Card not supported”).
(POS/ATM)

June 2020 Visa Confidential 13

 Objective

U.S. Specific Test Cases including U.S. Common Debit AID

Objective

To ensure proper chip acceptance at all U.S. POS and ATM environments of specific cards (e.g. with the Visa U.S.
Common Debit AID).

Business Justification

Visa U.S. Debit Cards as defined in the Visa Core Rules for debit and prepaid products are covered by the
unaffiliated network and routing requirements of the Dodd-Frank Act and Federal Reserve Board Regulation II.
This common approach is designed to allow maximum flexibility and limit disruption at the POS by mimicking
the current magnetic stripe environment, which permits routing decisions to be made via BIN tables and
acquirer host systems. It will allow debit transactions to be sent to the merchant or acquirer’s network of choice
for both POS and ATM (provided the unaffiliated network has licensed the Visa U.S. Common Debit AID
Solution). If the Visa U.S. Common Debit AID is selected with a CVM of signature or no CVM, it can be routed
over Network 2 for a VisaNet transaction in addition to any other debit networks that support those CVMs. To
preserve traditional routing choices, Network 2 (Visa), Network 3 (Interlink), and Network 4 (Plus) will all accept
PIN transactions initiated with the Visa U.S. Common Debit AID. On multi-application cards where the Visa U.S.
Common Debit AID coexists with any Visa-owned AID other than the Visa Debit AID (such as the Visa Credit
AID), i.e. a card supporting applications representing two or more distinct sources of funding, the AID carrying
the highest Application Priority Indicator (indicating the desired funding source) can be selected to initiate the
transaction, or the merchant can implement custom logic to ask the cardholder which account they wish to use
and select the appropriate AID that corresponds to the cardholder’s account preference. The use of AID
selection screens or labels to effectuate cardholder funding choice is optional, even for multi-funding cards.
Merchants that wish to maintain routing flexibility for debit transactions will need to deploy specific logic in their
terminals to access the Visa U.S. Common Debit AID as described in the Visa Smart Debit/Credit Contact and
Contactless U.S. Acquirer Implementation Guide Appendices E.1 and E.2. While these test cases may be used to
evaluate alternate routing functionality, testing routing options for alternate networks is outside the scope of
this document. Merchants that wish to maintain routing flexibility for debit transactions must contact their
acquirer or network for specific testing requirements for alternate networks.

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

The following CVMs are supported for Visa Debit AID and Visa U.S. Common Debit AID .

Visa Debit AID (Contact) Visa U.S. Common Debit AID (Contact)
• Online PIN if unattended cash • Online PIN if unattended cash
• Online PIN if manual cash • Fail CVM if manual cash
• Signature if manual cash • Online PIN if purchase/cash back
• Online PIN if purchase/cash back • Online PIN always
• Signature always • No CVM
• Online PIN always
• No CVM always Note: Signature can be achieved via the Visa U.S. Common
Debit AID as described in U.S. AIG Appendix E.

Visa Debit AID (qVSDC Contactless) Visa U.S. Common Debit AID
• Signature (qVSDC Contactless)
• No CVM Required • Online PIN
• No CVM Required

Terminal Applicability

Application for POS and ATM devices containing the Visa AID and Visa U.S. Common Debit AID

Terminal Action Codes (TACs) Terminal Action Codes (TACs)

Visa AID 'A0 00 00 00 03 10 10' Visa U.S. Common Debit AID
'A0 00 00 00 98 08 40'
• TAC—Denial '00 10 00 00 00'
• TAC—Online '58 40 04 F8 00' • TAC—Denial '00 00 00 00 00'
• TAC—Default '58 40 00 A8 00' • TAC—Online 'FF FF FF FF FF'
• TAC—Default 'FF FF FF FF FF'

Devices that always attempt to go online for authorization (i.e. always request an ARQC) can omit TAC–Denial &
TAC–Online processing. Additionally, such devices may also omit TAC–Default processing and always request an
offline decline (AAC) when unable to go online.

Required Actions / Expected Results

Each of the following use cases is associated with the Acquirer Device Validation Toolkit (ADVT) or Contactless
Device Evaluation Toolkit (CDET), and each are applicable when performing Visa contact and/or contactless
terminal testing prior to a U.S. deployment.

The terminal must perform a complete VSDC transaction without error, resulting in an online approval. A
complete transaction is defined as the performance of all selected VSDC functions from Application Selection
through to Completion. Error messages (such as Not Accepted or Card Error) are not acceptable and indicate
failure of the test.

This testing should be conducted in VCMS with online authorization messages being sent to VisaNet Stand-In

June 2020 Visa Confidential 15

 Required Actions / Expected Results

Processing, or by connecting to an approved host simulator.

Each unique terminal configuration must be tested with these U.S. debit use cases, as part of the ADVT and/or
CDET submission into the Chip Compliance Reporting Tool (CCRT) unless the acquirer or acquirer processor
participates in Visa U.S. Chip Acquirer Self-Accreditation Program. CCRT has been enhanced to accommodate
these test cases with U.S. versions for both ADVT and CDET.

1.5 Visa Debit Common Debit AID Test Cases

Test Card Summary

Test Card Test Card Description

Number
US Debit Test Card 1 (Standard Dual Interface Debit – supports ADVT and CDET test cases)
Test Card
There are 2 AIDs on this card:
1

AID 1

• DF Name (tag '84') =

'A0 00 00 00 03 10 10'
Visa Debit AID, accessible over both contact and contactless interfaces

AID 2

• DF Name (tag '84') =

'A0 00 00 00 98 08 40'
Visa U.S. Common Debit AID, accessible over contact interface only

Note: MSD CVN 17 is not supported via the contactless interface.

US Debit Test Card 2 (Dual Interface Debit – Apple Pay Configuration – supports CDET test cases)
Test Card
2 There are 2 AIDs on this card:

AID 1

• DF Name (tag '84') =

'A0 00 00 00 03 10 10'
Visa Debit AID, accessible over both contact and contactless interfaces

AID 2

• DF Name (tag '84') =

'A0 00 00 00 98 08 40'
Visa U.S. Common Debit AID, accessible over both contact and contactless interfaces

Note: testing this card over the contactless interface is equivalent to Apple Pay. MSD CVN 17 is not supported
via the contactless interface.

16 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Test Card Test Card Description

Number
US Debit Test Card 3 (Dual Interface Multi-Application)
Test Card
There are 2 separate application instances on this card, with a total of 3 AIDs:
3
Application 1

• AID 1, DF Name (tag '84') =

'A0 00 00 00 03 10 10 01'
Visa Credit AID, accessible over both contact and contactless interfaces

Application 2

• AID 2, DF Name (tag '84') =

'A0 00 00 00 03 10 10 02'
Visa Debit AID, accessible over the contact interface only

• AID 3, DF Name (tag '84') =

'A0 00 00 00 98 08 40'
Visa U.S. Common Debit AID, accessible over the contact interface only

Note: MSD CVN 17 is not supported via the contactless interface.

US Debit Test Card 4 (Canadian Code Debit)

Test Card
There is only one application:
4
Application 1
• AID 1, DF Name (tag '84') =
'A0 00 00 00 03 10 10'

Visa Debit AID, accessible over contact interface

June 2020 Visa Confidential 17

 Required Actions / Expected Results

Test Case Summary

ADVT Use Cases

US Debit Test Card 1

Use Case Action CVM Expected Result

ADVT U.S. Debit 1. Initiate a transaction that Depending on Terminal Successfully complete VSDC online
1A.1 is not cashback Capabilities the following transaction with successful CAM and
CVM is expected: iCVV, both without error.
(C – See notes at end 2. Select the Visa AID via
of this section) contact interface • Signature (e.g. POS
3. Route to Visa Network 2 purchase)
(Online) Authorization request carries DF
(VCMS or approved host or Name (Tag '84') = ('A0 00 00 00 03 10
(POS) simulator)
• No CVM required, when 10')
Signature AND Online VISA AID shall be printed on the
PIN are not supported by receipt when applicable.
the terminal
configuration (e.g. below
CVM limit or UCAT w/o
It is strongly recommended that the
Signature or PIN)
Application Label (in this case, "Visa
Debit") also be printed on the receipt.

Based on the device capability:

• TVR B3b8 = 0 for Signature & No

CVM scenarios*

*Note: an EMV chip-enabled merchant

may decide, at its discretion, whether to
capture a signature. This change
applies to all transaction amounts.

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 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Use Case Action CVM Expected Result

ADVT U.S. Debit 1. Initiate a cashback The following CVM is Successfully complete VSDC online
1A.2 transaction expected: transaction with successful CAM and
iCVV, both without error.
(C) – Interlink support 2. Select the VISA AID or • Online PIN
Visa U.S. Common Debit
AND AID via contact interface
based on the Authorization request carries DF
Cashback support
implementation Name (Tag '84') consistent with the
(Online) approach (see notes at AID selected in step 2:
the end of this section) • VISA AID ('A0 00 00 00 03 10 10')
(POS)
3. Route to Interlink • Visa U.S. Common Debit AID ('A0 00
Network 3 (VCMS or 00 00 98 08 40')
Note: This test case is approved host simulator) 1.
not applicable for 2. This value shall be printed on the
terminals without receipt when applicable.
Online PIN support. It is strongly recommended that the
Application Label ("Visa Debit" or "US
Debit") also be printed on the receipt.

Based on the device capability:

TVR B3b3 = 1 – Online PIN Captured

Online PIN successfully validated

Note: Cash or cashback transactions

must always capture an Online PIN.

June 2020 Visa Confidential 19

 Required Actions / Expected Results

Use Case Action CVM Expected Result

ADVT U.S. Debit 1. Initiate a cash transaction The following CVM is Successfully complete VSDC online
1A.3 expected: transaction with successful CAM and
2. Select the Visa AID via
iCVV, both without error.
(C) contact interface • Online PIN
3. ATM route to Visa Plus
Supporting Cash
Network 4 or Network 2
Authorization request carries DF
(Online) (VCMS or approved host
Name (Tag '84') = 'A0 00 00 00 03 10
simulator)
(ATM) 10' VISA AID, or

'A0 00 00 00 98 08 40' when using

Note: ATM implementations automatic selection of Visa U.S.
that automatically select the Common Debit AID.
Visa U.S. Common Debit
AID are provided with an
alternate set of expected VISA AID shall be printed on the
results. receipt when applicable. Visa U.S.
Common Debit AID shall be printed on
the receipt when using automatic
selection of Visa U.S. Common Debit
AID.

It is strongly recommended that the

Application Label ("Visa Debit" or “US
Debit”) also be printed on the receipt.
When using automatic selection of
Visa U.S. Common Debit AID, the
Application Label ("US Debit") should
be printed on the receipt.

Based on the device capability:

TVR B3b3 = 1 – Online PIN Captured

Online PIN successfully validated

20 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Use Case Action CVM Expected Result

ADVT U.S. Debit 1. Initiate a transaction that The following CVM is Successfully complete VSDC online
1A.4 is not cashback expected: transaction with successful CAM and
iCVV, both without error.
(C) – Supporting U.S. 2. Select the Visa U.S. • Online PIN
Common Debit Common Debit AID via
contact interface
AND Authorization request carries DF
3. POS route to Interlink
Name (Tag '84') = ('A0 00 00 00 98 08
POS Interlink Network 3 (VCMS or
40').
approved host simulator)
(Online)
Visa U.S. Common Debit AID shall be
(POS) printed on the receipt when
applicable.

Note: This test case is

not applicable for It is strongly recommended that the
terminals without Application Label (“US Debit”) also be
Online PIN support. printed on the receipt.

Based on the device capability:

TVR B3b3 = 1 – Online PIN captured

Online PIN successfully validated

June 2020 Visa Confidential 21

 Required Actions / Expected Results

Use Case Action CVM Expected Result

ADVT U.S. Debit 1. Using the contact The following CVM is Successfully complete VSDC online
1A.5 interface to automatically expected: transaction with successful CAM and
select the Visa U.S. iCVV, both without error.
(C) - Supporting U.S. • Signature or no CVM as
Common Debit Common Debit AID, and required by network
amount is > CVM limit rules. This option may
AND 2. Cardholder cancels or Authorization request carries DF
allow for testing the
exits from PIN entry Name (Tag '84') consistent with the
Automatic Debit signature capture flag,
AID selected in step 2:
Selection (e.g. PIN 3. Route to Visa Network 2 see U.S. AIG, Appendix
Steering or Credit (VCMS or approved host E.1.6 • VISA AID ('A0 00 00 00 03 10 10')
button = Visa U.S. simulator) • Visa U.S. Common Debit AID ('A0 00
Common Debit AID) 00 00 98 08 40')
3.
(Online)
This value shall be printed on the
(POS)
receipt when applicable.

It is strongly recommended that the

Dependent on a PIN Application Label ("Visa Debit" or “US
steering Debit”) also be printed on the receipt.
implementation and
the terminal
implementation of For purposes of this test, generate
cancel / exit from PIN Authorization-Only (resolves to 0100
entry: with subsequent clearing record)1.

• Restart & Select Visa

AID, 1A.1 applicable
Based on the device capability:
• EMV PIN Entry
Bypass1, then 1A.1 TVR B3b8 = 0 for Signature scenarios
become n/a

TVR B3b4 = 1 for EMV PIN Entry

Bypass

1 See subsequent notes for additional guidance

22 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

CDET Use Cases

US Debit Test Card 1

Use Case Action CVM Expected Result

CDET U.S. Debit 1C.1 • Initiate a transaction that Depending on Terminal Successfully complete Visa
is not cashback Capabilities the following contactless online transaction
(C)
CVM is expected: with successful CAM.
• Select the Visa AID via
(Online) contactless interface • Signature (e.g. POS
(POS) • Route to Visa Network 2 purchase)
Authorization request carries DF
(VCMS or approved host or Name (Tag '84') = VISA AID ('A0
simulator)
• No CVM required, when 00 00 00 03 10 10').
Signature not supported VISA AID shall be printed on the
by the terminal or below receipt when applicable.
the CVM limit

It is strongly recommended that

the Application Label ("Visa
Debit") also be printed on the
receipt.

Based on the device capability,

the following will be applicable:

• CVM limit was set and under

the CVM limit, No CVM
Required
or

• Purchase transactions
optionally capture a
signature*

*Note: an EMV chip-enabled

merchant may decide, at its
discretion, whether to capture a
signature. This change applies to
all transaction amounts.

June 2020 Visa Confidential 23

 Required Actions / Expected Results

Use Case Action CVM Expected Result

CDET U.S. Debit 1C.2 1. Initiate a (ATM) cash or The following CVM is POS/ATM devices share similar
(POS) cashback expected: expected results for this test case
(C) – Cash or Cashback
transaction as follows:
supported • Online PIN
2. Select the Visa AID via Successfully complete Visa
AND contactless interface contactless online transaction
POS Interlink support 3. POS: route to Interlink with successful CAM.
or ATM Network 3 for cashback
transaction (VCMS or
(Online)
approved host simulator) Authorization request carries DF
(ATM & POS) ATM: route to Visa Plus Name (Tag '84') = VISA AID ('A0
Network 4 or Network 2 00 00 00 03 10 10'). VISA AID
for Cash transactions shall be printed on the receipt
(VCMS or approved host when applicable.
simulator)

It is strongly recommended that

the Application Label ("Visa
Debit") also be printed on the
receipt.

Based on the device capability,

the following will be applicable:

Capture and successfully validate

Online PIN.

Note: Cash or cashback

transactions must always capture
an Online PIN.

24 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

US Debit Test Card 2

Use Case Action CVM Expected Result

CDET U.S. Debit 1C.3 1. Initiate a transaction that The following CVM is Successfully complete Visa
is not cashback expected: contactless online transaction with
(C) – Supporting U.S.
successful CAM.
Common Debit “pre- 2. Select the Visa U.S. • Online PIN
selection” Common Debit AID via • No CVM required, this
contactless interface option may allow for
(Online) Authorization request carries DF
3. Route to Visa Network 2 testing EMF signature Name (Tag '84') = Visa U.S.
(POS) (VCMS or approved host capture flag, see U.S. AIG, Common Debit AID ('A0 00 00 00
simulator) Appendix E.2 98 08 40').
This use case typically
applied to PAVD participants Visa U.S. Common Debit AID shall
Note: For implementations be printed on the receipt when
without PIN support the Visa applicable.
contactless "Reader CVM
Required Limit" must be
disabled or set to its It is strongly recommended that
maximum value. In this way the Application Label (“US Debit”)
the reader will never request also be printed on the receipt.
a CVM of the card and
signature can be captured by
the payment application
Based on the device capability, the
when required.
following will be applicable:

• Online PIN captured &

successfully validated
or

• Signature as required by
network rules when Online PIN
is not supported and for
purposes of this test generate
Authorization-Only (resolves to
0100 with subsequent clearing
record)2

2 See subsequent notes for additional guidance

June 2020 Visa Confidential 25

 Required Actions / Expected Results

Use Case Action CVM Expected Result

CDET U.S. Debit 1C.4 1. Initiate a transaction that The following CVM is Successfully complete Visa
is not cashback expected: contactless online transaction with
(C) – Supporting U.S.
successful CAM.
Common Debit “pre- 2. Select the Visa U.S. • Online PIN
selection” Common Debit AID via
contactless interface
AND Authorization request carries DF
3. POS route to Interlink
Name (Tag '84') = Visa U.S.
POS Interlink Network 3 (VCMS or
Common Debit AID ('A0 00 00 00
approved host simulator)
(Online) 98 08 40').

(POS) Visa U.S. Common Debit AID shall

be printed on the receipt when
Note: This test case is applicable.
not applicable for
terminals without
Online PIN support.
It is strongly recommended that
the Application Label (“US Debit”)
also be printed on the receipt.

Based on the device capability, the

following will be applicable:

Online PIN captured & successfully

validated

26 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Use Case Action CVM Expected Result

CDET U.S. Debit 1C.5 1. Initiate (ATM) cash or The following CVM is POS/ATM devices share similar
(POS) cashback expected: expected results for this test case
(C) – Supporting U.S.
transaction as follows:
Common Debit “pre- • Online PIN
selection” 2. Select the Visa U.S. Successfully complete Visa
Common Debit AID via contactless online transaction with
AND contactless interface successful CAM.
Cash or Cashback 3. POS route to Interlink
support Network 3 for cashback
transaction (VCMS or Authorization request carries DF
AND
approved host simulator) Name (Tag '84') = Visa U.S.
POS Interlink support ATM – route to Visa Plus Common Debit AID ('A0 00 00 00
or ATM Network 4 or Network 2 98 08 40').
for cash transaction Visa U.S. Common Debit AID shall
(Online)
(VCMS or approved host be printed on the receipt when
(ATM & POS) simulator) applicable.

It is strongly recommended that

the Application Label (“US Debit”)
also be printed on the receipt.

Based on the device capability, the

following will be applicable:

Online PIN captured & successfully

validated

June 2020 Visa Confidential 27

 Required Actions / Expected Results

Use Case Action CVM Expected Result

CDET U.S. Debit 1C.6 1. Initiate a transaction that The following CVM is Successfully complete Visa
is not cashback and expected: contactless online transaction with
(C) – Supporting U.S.
amount > CVM Limit successful CAM.
Common Debit • Signature or no CVM as
2. Select the Visa U.S. required by network rules
AND Common Debit AID via This use case typically Authorization request carries DF
Automatic Debit contactless interface applied to PAVD participants. Name (Tag '84') = Visa U.S.
Selection (i.e. PIN 3. Cardholder cancels or
Common Debit AID ('A0 00 00 00
Steering) exits from PIN entry
98 08 40').
(Online) 4. Route to Visa Network 2
(VCMS or approved host Visa U.S. Common Debit AID shall
(POS) simulator) be printed on the receipt when
applicable.
Note: For implementations
without PIN support the Visa
contactless "Reader CVM
Required Limit" must be It is strongly recommended that
disabled or set to its the Application Label (“US Debit”)
maximum value. In this way also be printed on the receipt.
the reader will never request
a CVM of the card and
signature can be captured by For purposes of this test generate
the payment application Authorization-Only (resolves to
when required. 0100 with subsequent clearing
record)3.

Based on the device capability, the

following will be applicable:

Purchase transactions capture a

signature

Notes:

1. When selecting amongst the Visa Global AID (i.e. Visa Debit AID) and the Visa U.S. Common Debit AID, this is achieved by:
a. Relying initially on a Debit / Credit button, where:

• Selection of "debit" includes options to support cash back, Visa U.S. Common Debit AID, etc. – In this
scenario test case 1A.2, 1A.4 & 1A.5 are applicable.
• Selection of "credit" implies a cardholder choice to use signature or no CVM and may be accomplished
by:
i. Selection of the Visa AID; in this case test 1A.1 is applicable
or
ii. Selection of the Visa U.S. Common Debit AID and capture of signature (or no CVM) through
PIN Entry Bypass or use of selectable kernel; in this case test case 1A.5 is applicable
or

3 See subsequent notes for additional guidance

28 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

b. Support for EMV Cardholder Selection where the card's Application Labels are presented to the consumer:

• Visa Debit
• US Debit

In this scenario, selection of "Visa Debit" will make test case 1A.1 applicable. Additionally, for those
implementation supporting Online PIN: selection of “US Debit” will make test cases 1A.2 & 1A.4 applicable. The
use of EMV Cardholder Selection is optional. Merchants that wish to maintain routing flexibility for debit
transactions will need to deploy specific logic in their readers/terminals to ensure the Visa U.S. Common Debit
AID is used for debit functionality.

2. When the Visa U.S. Common Debit application has been automatically selected by the POS application (i.e. PIN Steering
Merchant) and the cardholder chooses to exit from debit PIN Entry prompts the following must be considered:

a. Automatically restart the EMV transaction and select the global AID (i.e. Visa Debit AID)

or

b. Apply EMV PIN Entry Bypass and format the authorization as Authorization-Only (Dual Message - 0100 with
subsequent clearing record - TC05), or if retaining a Single Message Full Financial (0200) format, test all
processing touch-points end to end.

In summary, for purposes of these tests when a Visa debit authorization does not include a PIN Block it is important to
ensure an Authorization-Only (Dual Message 0100 with subsequent clearing - TC05) format to avoid:
• Misrouting to a Single Message network that requires PIN
• Issuer / Issuer Processor rejects of a Single Message Full Financial (0200) message when the PIN Block is absent

3. All test cases are conditional and will be applicable based on the implementation approach as defined above. For example,
test case 1A.1 is applicable according to Note 1, above.

4. CDET test cases using the Visa U.S. Common Debit AID will be applicable based on the implementation approach as
defined above.

June 2020 Visa Confidential 29

 Required Actions / Expected Results

Multi-Application Use Cases – ADVT/CDET

US Debit Test Card 3

Use Case Action CVM Expected Result

ADVT U.S. Credit- 1. Initiate a transaction that Depending on Terminal Successfully complete VSDC online
Debit Multi is not cashback Capabilities the following transaction with successful CAM.
Application 2A.1 CVM is expected:
2. Select the Visa Credit AID Authorization request carries DF
(C) via the contact interface • Signature (e.g. POS Name (Tag '84') = VISA AID ('A0 00
using either cardholder purchase) 00 00 03 10 10 01').
(Online) selection 4 or relying on or VISA AID shall be printed on the
(POS) the Application Priority
Indicator • No CVM Required, when receipt when applicable.

3. Route to Visa Network 2 Signature not supported It is strongly recommended that the
(VCMS or approved host by the terminal Application Label ("Visa Credit") also
simulator) configuration (e.g. below be printed on the receipt.
CVM limit or UCAT w/o
Signature) Based on the device capability:

• TVR B3b8 = 0 for Signature & No

CVM scenarios*

*Note: an EMV chip-enabled

merchant may decide, at its
discretion, whether to capture a
signature. This change applies to all
transaction amounts.

4 For purposes of test cases 2A.1 and 2A.2 “cardholder selection” shall be considered a method by which the cardholder
chooses their preferred funding source as described in the U.S. AIG Appendix E.1. In the U.S., merchants requiring routing
flexibility may use special routing logic to use the Visa U.S. Common Debit AID for debit functionality.

30 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Use Case Action CVM Expected Result

ADVT U.S. Credit- 1. Initiate a cash transaction The following CVM is Successfully complete VSDC online
Debit Multi expected: transaction with successful CAM.
2. Select the Visa Credit AID
Application 2A.2
via the contact interface • Online PIN
(C) using either cardholder
selection5 or relying on Authorization request carries DF
(Online) the Application Priority Name (Tag '84') = VISA AID ('A0 00
Indicator 00 00 03 10 10 01').
(ATM)
3. Route to Plus Network 4 VISA AID shall be printed on the
or Visa Network 2 (VCMS receipt when applicable.
or approved host
simulator)
It is strongly recommended that the
Application Label ("Visa Credit") also
be printed on the receipt.

Based on the device capability:

TVR B3b3 = 1 if Online PIN is the

CVM

Online PIN successfully validated

5 For purposes of test cases 2A.1 and 2A.2 “cardholder selection” shall be considered a method by which the cardholder
chooses their preferred funding source as described in the U.S. AIG Appendix E.1. In the U.S., merchants requiring routing
flexibility may use special routing logic to use the Visa U.S. Common Debit AID for debit functionality.

June 2020 Visa Confidential 31

 Required Actions / Expected Results

Use Case Action CVM Expected Result

CDET U.S. Credit- 1. Initiate a transaction that Depending on Terminal Successfully complete VSDC online
Debit Multi is not cashback Capabilities the following transaction with successful CAM
Application 2C.1 CVM is expected: without error.
2. Select the Visa Credit AID
(C) via the contactless • Signature (e.g. POS Authorization request carries DF
interface relying on the purchase) Name (Tag '84') = VISA AID ('A0 00
(Online) Application Priority or 00 00 03 10 10 01').
(POS) Indicator
• No CVM Required, when VISA AID shall be printed on the
3. Route to Visa Network 2
Signature is not supported receipt when applicable.
(VCMS or approved host
simulator) by the terminal It is strongly recommended that the
configuration (e.g. below Application Label ("Visa Credit") also
CVM limit or UCAT w/o be printed on the receipt.
Signature)
Based on the device capability, the
following will be applicable:

• CVM limit is set and under the

CVM limit, No CVM Required.
or

• Purchase transactions optionally

capture a signature*

*Note: an EMV chip-enabled

merchant may decide, at its discretion,
whether to capture a signature. This
change applies to all transaction
amounts.
CDET U.S. Credit- 1. Initiate a cash transaction The following CVM is Successfully complete VSDC online
Debit Multi expected: transaction with successful CAM
2. Select the Visa Credit AID
Application 2C.2 without error.
via the contactless • Online PIN
(C) interface relying on the Authorization request carries DF
Application Priority Name (Tag '84') = VISA AID ('A0 00
(Online) Indicator 00 00 03 10 10 01').
(ATM) 3. Route to Plus Network 4
VISA AID shall be printed on the
or Visa Network 2 (VCMS
receipt when applicable.
or approved host
simulator) It is strongly recommended that the
Application Label ("Visa Credit") also
be printed on the receipt.

Based on the device capability:

Online PIN captured and

successfully validated

32 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Canadian Code debit use case – ADVT

US Debit Test Card 4

Use Case Objective Expected Result

ADVT Canadian Code Ensure acceptance of Successfully complete VSDC online transaction with successful CAM.
Debit 3A.1 Canadian-issued cards
Authorization request carries DF Name (Tag '84') = VISA AID ('A0 00 00
(M) 00 03 10 10).

(Online) VISA AID shall be printed on the receipt when applicable.

(POS/ATM) Note – If the Candidate list is empty and results in a mag-stripe

fallback, then it is likely that ASF logic is present suppressing the VISA
AID and this indicates a failure for the test case.

June 2020 Visa Confidential 33

 Required Actions / Expected Results

Ancillary U.S. Fleet Test Cases

These four Fleet test cases are available for testing and are optional for petroleum merchants. The test results
submission into CCRT is not required for these test cases.

The Visa U.S. Fleet test cards enable fleet managers to:

• Combine purchasing functions on a single card for their fleet vehicles and drivers, and
• Obtain enhanced purchasing data to better manage their fleet expenses.

At participating fuel and maintenance merchants, these cards are processed as a Visa Fleet card; at non-fuel
locations, it is processed as a Visa Purchasing card. Direct and indirect vehicle-related expenses may be tracked,
including fuel, maintenance, and other operational expenses. Fleet managers determine how the Visa Fleet card
is configured; it may be tied to drivers or vehicles, and its use may be limited to fuel or fuel and maintenance.

The Visa U.S. Fleet test cards can be obtained through a Visa-confirmed third party vendor. For a list of Visa U.S.
Confirmed Third-party Chip Acceptance Tool Suppliers, see U.S. Supporting Documentation at
https://technologypartner.visa.com.

Data Capture:
Visa Fleet transactions may qualify for three data capture levels. Enhanced data capture and reporting occurs at
levels 2 and 3.

Level 1 Provides standard Visa draft transaction data provided by Visa merchants. No enhanced data is captured
at this level. Merchants are required to pass this data.
Level 2 Supports enhanced data capture at the point of sale. Level 2 data capture includes a six-digit numeric
vehicle, driver, or generic ID; type of purchase; fuel type; unit of measure; quantity; gross fuel price; odometer
reading, and tax information. Merchants in the U.S. are required to pass this data.
Level 3 Allowing a merchant to pass a detailed accounting of fuel and non-fuel goods and services purchased to
buyers. Level 3 enhanced data provides summary information about Fleet card transactions and detailed
information about each line item.

Please refer to the Visa Fleet Card Implementation Guide for more details.

Setup for Testing:

As Visa Fleet processing at the terminal is based on BIN Table Look-up the following BIN must be loaded to the
Fleet BIN table: 448558. These cases are dependent on the Fleet test profile and it uses the standard Visa Credit
profile with changes to Fleet service indicators in the Track 2 equivalent data (Tag ’57’) corresponding to the
applicable test case. Merchants should continue to maintain BIN tables to identify Fleet cards to indicate the use
of the service indicators/prompts. When migrating to EMV, the same indicators and service prompts as current
magnetic-stripe should be supported. This approach will minimize changes and enable acquirers and merchants
to support both chip and magnetic-stripe cards during the chip migration.

34 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Use Case Applicability/Actions Card Setup (Fleet Service Expected Result

indicators)

ADVT U.S. Fleet Test 1. Initiate a standard Field Position 1: 0 Successfully complete VSDC
Case 1 purchase (no restriction). Field Position 2: 0 = Fleet, No online transaction with
(Fleet Test Card 1) 2. The merchant’s POS Restriction (fuel, maintenance, successful CAM without error
recognizes the card’s BIN and non-fuel purchases)
(Online)
as being a Fleet card. Field Position 3: 4 =
(POS) Authorization request carries DF
Odometer reading
3. The issuer has encoded Name (Tag '84') = ('A0 00 00 00
(Optional)
the card to prompt the 03 10 10')
cardholder to enter their
vehicle’s odometer Odometer reading present in
reading at the time of Field 104, dataset 5C, tag ‘0B’
purchase.

VISA AID shall be printed on the

receipt when applicable.

It is strongly recommended that

the Application Label ("Visa
Credit") also be printed on the
receipt.

Merchant allows purchases of

any product types. Merchant
prompts cardholder to enter the
vehicle’s odometer.

Transaction must be approved

online.

June 2020 Visa Confidential 35

 Required Actions / Expected Results

Use Case Applicability/Actions Card Setup (Fleet Service Expected Result

indicators)

ADVT U.S. Fleet Test 1. Initiate fuel or Field Position 1: 0 Successfully complete VSDC
Case 2 maintenance purchase. Field Position 2: 1 = Fleet, online transaction with
(Fleet Test Card 2) 2. The merchant’s POS (fuel- and maintenance-only successful CAM without error.
recognizes the card’s BIN purchases)
(Online)
as being a Fleet card. Field Position 3: 3 = Driver ID Authorization request carries DF
(POS)
3. The issuer has encoded and odometer reading Name (Tag '84') = ('A0 00 00 00
(Optional)
the card to prompt the 03 10 10')
cardholder to enter VISA AID shall be printed on the
odometer reading and receipt when applicable.
driver ID at the time of
purchase (enter the
Odometer reading present in
driver ID as 223344).
Field 104, dataset 5C, tag ‘0B’
Driver ID present in either Field
104, dataset 5C, tag ‘1A’ or Field
48, dataset 5C, usage 36
It is strongly recommended that
the Application Label ("Visa
Credit") also be printed on the
receipt.

Merchant allows purchases of

only fuel or maintenance.
Merchant prompts cardholder to
enter the vehicle’s odometer and
his/her Driver ID.

Field 48 in the authorization

request carries the driver ID
(223344)6.

Transaction must be approved

online.

6 Use of Field 48, Usage 36 is mandatory for an authorization request to be considered a Fleet transaction. Field 48 is used to
supply the vehicle, driver, or generic ID in an authorization request. Field usage applies only to Visa Fleet service 0100
messages acquired by Visa and contains certain authorization data entered point of sale that is not necessary for other Visa
card products. When this field usage contains a vehicle, driver, or generic ID, the ID must be preceded by field length and
two dollar signs.

36 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

Use Case Applicability/Actions Card Setup (Fleet Service Expected Result

indicators)
ADVT U.S. Fleet Test 1. Initiate a fuel purchase. Field Position 1: 0 Successfully complete VSDC
Case 3 Field Position 2: 2 = online transaction with
2. The merchant’s POS
(Fleet Test Card 3) recognizes the card’s BIN Fleet/Fuel only, (fuel-only successful CAM without error.
as being a Fleet card. purchases)
(Online) Field Position 3: 2 = Vehicle id
3. The issuer has encoded Authorization request carries
and odometer reading
(POS) the card to prompt the DF Name (Tag '84') = ('A0 00
cardholder to enter 00 00 03 10 10')
(Optional)
odometer reading and
vehicle ID at the time of Odometer reading present in
purchase (enter the Field 104, dataset 5C, tag ‘0B’
vehicle ID as 334455). Driver ID present in either Field
104, dataset 5C, tag ‘1A’ or
Field 48, dataset 5C, usage 36

VISA AID shall be printed on

the receipt when applicable.

It is strongly recommended
that the Application Label
("Visa Credit") also be printed
on the receipt.

Merchant allows purchases of

fuel only. Merchant prompts
cardholder to enter the
vehicle’s odometer and Vehicle
ID.

Field 48 in the authorization

request carries the vehicle ID
(334455)7.

Transaction must be approved

online.

7 Use of Field 48, Usage 36 is mandatory for an authorization request to be considered a fleet transaction. Field 48 is used to
supply the vehicle, driver, or generic ID in an authorization request. Field usage applies only to Visa Fleet service 0100
messages acquired by Visa and contains certain authorization data entered point of sale that is not necessary for other Visa
card products. When this field usage contains a vehicle, driver, or generic ID, the ID must be preceded by field length and
two dollar signs.

June 2020 Visa Confidential 37

 Required Actions / Expected Results

Use Case Applicability/Actions Card Setup (Fleet Service Expected Result

indicators)

ADVT U.S. Fleet Test • Initiate a standard Field Position 1: 0 Successfully complete VSDC
Case 4 purchase (no restriction). Field Position 2: 0 = Fleet, No online transaction with
(Fleet Test Card 4) • The merchant’s POS Restriction (fuel, maintenance, successful CAM without error.
recognizes the card’s BIN and non-fuel purchases)
(Online)
as being a Fleet card. Field Position 3: 5 = No
(POS) Authorization request carries DF
prompt
• The issuer has not Name (Tag '84') = ('A0 00 00 00
(Optional)
encoded the card to 03 10 10')
prompt the cardholder. VISA AID shall be printed on the
receipt when applicable.

It is strongly recommended that

the Application Label ("Visa
Credit") also be printed on the
receipt.

Merchant allows the purchase of

any product types. Merchant
does not prompt the cardholder
for any additional data.

Transaction must be approved

online.

38 Visa Confidential June 2020

 U.S. Quick Chip and Minimum Terminal Configuration ADVT/CDET Use Cases

References
• Transaction Acceptance Device Guide (TADG)
• Visa Smart Debit / Credit—Acquirer Device Validation Toolkit User Guide Version 7.0
• Contactless Device Evaluation Toolkit—User Guide Version 2.3
• Chip Compliance Reporting Tool—User Guide for Chip Acquirers
• Visa U.S. EMV Chip Terminal Testing Requirements
• Visa Smart Debit / Credit Contact & Contactless—U.S. Acquirer Implementation Guide
• Visa Smart Debit / Credit ATM—U.S. Acquirer Implementation Guide
• Visa Minimum U.S. Online Only Terminal Configuration
• Chip Vendor Enabled Service—Streamline Visa U.S. EMV Chip Testing and Reporting Requirements
• Visa U.S. Chip Acquirer Self-Accreditation Program Acknowledgement Form
• Visa Fleet Card Implementation Guide for Merchants, Acquirers and Issuers
• www.visachip.com
• EMV Migration Forum – EMV Testing and Certification White Paper: Current Global Payment Network
Requirements for the U.S. Acquiring Community
• Visa Cash-Back Service for Issuers and Acquirers
• EMV Migration Forum – U.S. Debit EMV Technical Proposal
• EMV Contact and Contactless Payment Acceptance for Restaurant Merchants
• Visa U.S. Merchant Contactless Chip Deployment Quick Reference Guide
• Quick Chip Implementation Steps
• U.S. Visa Contactless Transit Terminal Testing document

Note: Documentation is available for Visa clients on Visa Online. Merchants are advised to contact their
acquirers for any documentation that is not on visachip.com. Vendors may access documentation on
the Visa Technology Partner website at https://technologypartner.visa.com.

June 2020 Visa Confidential 39