Contents
Transaction Acceptance Device Guide (TADG)
3.11 Online Processing .......................................................................................................................................................................... 50
3.11.1 ARQC and Associated Data ....................................................................................................................................... 50
3.11.2 Merchant Forced Transaction Online .................................................................................................................... 50
3.11.3 PAN on Exception File ................................................................................................................................................. 51
3.11.4 Cash Back.......................................................................................................................................................................... 51
3.11.5 Online Transaction Data Requirements ................................................................................................................ 52
3.12 Completion ....................................................................................................................................................................................... 52
3.12.1 Online-Authorized Transactions.............................................................................................................................. 55
3.12.2 Deferred Authorization ............................................................................................................................................... 56
3.12.3 Acquirer Stand-In .......................................................................................................................................................... 56
3.12.4 Acquirer Forced Settlement ...................................................................................................................................... 57
3.12.5 Authorization Response Cryptogram Considerations .................................................................................... 58
3.12.6 Offline-Authorized Transactions ............................................................................................................................. 58
3.12.7 Declined Transactions ................................................................................................................................................. 58
3.13 Transaction Conclusion ............................................................................................................................................................... 59
3.14 Considerations for Industry-Specific Transaction Types ................................................................................................ 60
3.14.1 Pre-Authorizations ........................................................................................................................................................ 60
3.14.2 Incremental Authorizations ....................................................................................................................................... 60
3.14.3 Sale Completion............................................................................................................................................................. 61
3.14.4 Status Check .................................................................................................................................................................... 61
3.14.5 Account Number Verification ................................................................................................................................... 62
3.14.6 Refunds ............................................................................................................................................................................. 62
3.14.7 Reversals ........................................................................................................................................................................... 63
3.14.8 Referral .............................................................................................................................................................................. 63
3.14.9 Cancellation ..................................................................................................................................................................... 64
3.14.10 Cryptogram Generation in Multi-Currency Scenarios .................................................................................... 64
3.15 EMV Transactions in Specific Industries ............................................................................................................................... 65
3.15.1 Hotels and Tourism Industries ................................................................................................................................. 65
3.15.2 Fuel/Petrol Dispensing ................................................................................................................................................ 66
3.15.3 Mobile Top-Up ............................................................................................................................................................... 66
3.15.4 Forced Acceptance for On-Board Transactions ................................................................................................ 67
3.15.5 Gratuities or Tips ........................................................................................................................................................... 67
3.15.6 Discounts .......................................................................................................................................................................... 68
3.16 Non-EMV Transactions using EMV Functionality ............................................................................................................. 68
3.17 EMV at ATMs ................................................................................................................................................................................... 69
3.17.1 Basic EMV Requirements for ATMs ........................................................................................................................ 70
3.17.2 ATM Card Read Order ................................................................................................................................................. 70
3.17.3 Fallback to Magnetic Stripe at ATMs ..................................................................................................................... 71
3.17.4 EMV Transaction Flow at ATMs ............................................................................................................................... 71
3.17.5 Language Selection ...................................................................................................................................................... 73
3.17.6 Cardholder Verification ............................................................................................................................................... 73
3.17.7 Terminal Action Analysis ............................................................................................................................................ 73
November 2016 Visa Public iii