With the introduction of EMV, merchant receipt requirements changed. Cardholder and merchant receipts were modified with the addition of new EMV-related information, such as:
The name and the application identifier of the EMV card application that was used to perform the transaction,
The New transaction-specific chip data elements.
The data elements that were printed on magnetic stripe transaction receipts are still present.
Here is an example of an EMV Contact Debit transaction – Approved online – PIN
The receipt contains:
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The Transaction Type (“Sale”),
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The Application Preferred Name or the Application label,
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The Application PAN, truncated and masked,
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The Card Entry Method (e.g.”C” for EMV contact chip read),
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The total transaction amount printed on the total line, along the Currency Indicator,
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The Authorization Mode (“Issuer”),
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Chip data and cryptogram elements,
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A mention indicating that the cardholder has been verified by PIN.
World Store |
Merchant DBA |
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600 Falling Rock Rd. |
Merchant DBA location Line 1 |
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Atlanta, GA 30350 |
Merchant DBA location Line 2 |
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(770) 555-1234 |
Merchant phone number |
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SALE |
Transaction type |
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Merch ID: 542929XXXXXXXXX |
Merchant ID |
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Term ID: LKXXXXXXXX |
Terminal ID |
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02/14/17 |
01:34 PM |
Transaction date + time |
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Batch: XXXXXX |
Entry Method: C |
Batch number + Entry method (“C” = EMV contact) |
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Seq #: XXXX |
Appr Code: XXXXXX |
Transaction Sequence Number + Authorization Code |
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Trace #: XXXXXX |
Trace number |
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Visa Debit/Credit |
Application Preferred Name/Application Label |
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************1234 |
Primary Account Number |
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AID: |
A0000000031010 |
Application ID |
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TVR: |
0000008000 |
Terminal Verification Results |
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IAD: |
A1B2C3D4E5F6A1B23030 |
Issuer Application Data |
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TSI: |
F800 |
Transaction Status Indicator |
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AC: |
11AA33BB55CC77DD |
Application Cryptogram |
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TOTAL: |
$ |
150.00 |
Total amount with currency indicator and symbol |
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Response literal message |
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Credit Disclaimer Line 1 |
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Credit Disclaimer Line 2 |
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Credit Disclaimer Line 3 |
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CARDHOLDER VERIFIED BY PIN |
CVM |
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Thank You! |
Configurable footer |
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Merchant Copy |
Receipt recipient |
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Sample EMV Transaction with Response Data link
<Transact>
<UserName>JackStraw</UserName>
<Password>****</Password>
<WorkstationID/>
<PosID>ECR2112</PosID>
<Token>GRDE72</Token>
<TerminalID>GRD101000020003</TerminalID>
<SerialNum>901252112</SerialNum>
<TraceNum/>
<TimeOut/>
<TenderType>Credit</TenderType>
<TransType>Sale</TransType>
<Amount>21.12</Amount>
<CashBackAmt/>
<FuelAmt/>
<ClerkID/>
<Zip/>
<TipAmt/>
<TaxAmt/>
<Street/>
<Street2/>
<SurchargeAmt/>
<PONum/>
<OrigRefNum/>
<InvNum>90125</InvNum>
<ECRRefNum>aoxomoxoa</ECRRefNum>
<ECRTransID/>
<AuthCode/>
<SigSavePath/>
<Account/>
<ExpDate/>
<CVV/>
<EBTFoodStampVoucher/>
<VoucherNum/>
<Force/>
<FirstName>Ron</FirstName>
<LastName>McKernan</LastName>
<CountryCode/>
<StateCode/>
<CityName/>
<EmailAddress/>
<CheckSaleType/>
<CheckRoutingNum/>
<CheckNum/>
<CheckType/>
<CheckIDType/>
<CheckIDValue/>
<Birth/>
<PhoneNum/>
<TimeStamp/>
<ShiftID/>
<CustomerCode/>
<TaxExempt/>
<TaxExemptID/>
<MerchantTaxID/>
<DestinationZipCode/>
<ProductDescription/>
<MOTOECommerceMode/>
<MOTOECommerceTransType/>
<ECommerceSecureType/>
<MOTOECommerceOrderNum/>
<Installments/>
<CurrentInstallment/>
<TableNum/>
<GuestNum/>
<SignatureCapture/>
<TicketNum/>
<HRefNum/>
<TipRequest/>
<SignUploadFlag/>
<ReportStatus/>
<TokenRequest/>
<CardType/>
<CardTypeBitmap/>
<PassthruData/>
<ReturnReason/>
<OrigTransDate/>
<OrigPAN/>
<OrigExpiryDate/>
<OrigTransTime/>
<DisProgPrompt/>
<GatewayID/>
<POSEchoData/>
<GetSign/>
<EntryModeBitmap/>
<ReceiptPrint>0</ReceiptPrint>
<CPMode/>
<Odometer/>
<VehicleNo/>
<JobNo/>
<DriverID/>
<EmployeeNo/>
<LicenseNo/>
<JobID/>
<DepartmentNo/>
<CustomerData/>
<UserID/>
<VehicleID/>
<ExtData/>
</Transact>
<TransactResult>
<ResultCode>000000</ResultCode>
<ResultTxt/>
<ResultMsg>OK</ResultMsg>
<TransType>SALE</TransType>
<IPaddress/>
<PosID>ECR2112</PosID>
<Port/>
<MacAddress/>
<TerminalID>GRD101000020003</TerminalID>
<Token>GRDE72</Token>
<SerialNum>901252112</SerialNum>
<Amount>21.12</Amount>
<TraceNum>2478</TraceNum>
<AuthCode>995773</AuthCode>
<ApprovedAmount>21.12</ApprovedAmount>
<MaskedPAN>0010</MaskedPAN>
<RemainingBalance/>
<ExtraBalance/>
<CardType>VISA</CardType>
<AvsResponse/>
<CvResponse/>
<HostCode>892624</HostCode>
<HostResponse>0</HostResponse>
<HostMessage>Transaction approved</HostMessage>
<RefNum>181</RefNum>
<ECRRefNum>aoxomoxoa</ECRRefNum>
<TransDate>20170920</TransDate>
<TransTime>155555</TransTime>
<OrigRefNum/>
<BatchNum/>
<SigFileName/>
<SignData/>
<RawResponse/>
<ExtData>
<PLCardPresent>0</PLCardPresent>
<PLEntryMode>4</PLEntryMode>
<PLNameOnCard>Ron McKernan </PLNameOnCard>
<AmountDue>0</AmountDue>
<TipAmount>0</TipAmount>
<CashBackAmount>0</CashBackAmount>
<MerchantFee>0</MerchantFee>
<TaxAmount>0</TaxAmount>
<ExpDate>1222</ExpDate>
<ECRRefNum>aoxomoxoa</ECRRefNum>
<BatchNum>45</BatchNum>
<CARDBIN>400555</CARDBIN>
<HRef>892624</HRef>
<SN>901252112</SN>
<!–– EMV DATA ––>
<TC>600C695B8B1BC0B0</TC>
<TVR>8080008000</TVR>
<AID>A0000000031010</AID>
<TSI>6800</TSI>
<ATC>005A</ATC>
<APPLAB>VISA CREDIT</APPLAB>
<APPPN>Visa Credit</APPPN>
<IAD>06010A0360BC00</IAD>
<ARC>00</ARC>
<CID>40</CID>
<CVM>7</CVM>
<!–– EMV DATA ––>
</ExtData>
</TransactResult>