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How to reproduce various triggers using EMV Vantiv MC 01 and EMV Vantiv Visa 07?

Question asked by kylep on Jul 29, 2019
Latest reply on Sep 13, 2019 by kylep

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Hello,

Utilizing https://developer.vantiv.com/docs/DOC-3968 in a test environment with a physical terminal (VeriFone MX 915) pointed to the EMV Simulator, I have been unable to trigger the following decline and approval triggers:

(Card, Amount, Express Response Code / Message, Host Response Code)

EMV Vantiv (MC 01) – MasterCard $1.00 HOST APPROVES, CARD DECLINES CARD DECLINES

(I incorrectly receive an approval)

EMV Vantiv (MC 01) – MasterCard (PIN bypass) $1.00 HOST APPROVES, CARD DECLINES CARD DECLINES

(I incorrectly receive an approval)

EMV Vantiv (MC 01) – US Maestro (PIN bypass) $31.00 0 / APPROVED 00

(I incorrectly receive a decline)

I am using the following Vantiv Integrated Payments branded EMV test card:

Name: Test Card

Network: MasterCard

Card number: 5413 3300 8901 0681

Exp Date: 12/2022

Service Code 201

Country: 840

Curr: USD

PIN: 4315

v1.0

I am also unable to trigger the following on EMV Vantiv Visa 07 (I receive an approval for both below)

Am I missing something here? The doc appears to allow for the possibility that not all potential response conditions may be triggered so I am wondering if perhaps I am running into that. As far as I am aware I am pointed at the EMV Simulator. I have been able to reproduce all other EMV triggers (aside from B2 which I'm unconcerned with).

Any help would be appreciated. I can supply a log as needed. Thank you.

jhess Sep 13, 2019 8:23 AM

Correct Answer

Good morning Kyle,

I believe I was able to get to the bottom of this issue.

This is being caused by a known triPOS bug and is specific to the MC/Maestro EMV test card.

The issue is that triPOS is sending the request as a DebitCardSale rather than a CreditCardSale.

This is actively being worked on by our development team however I do not have an ETA for resolution at this time.

The Visa EMV test card can be used to test PIN Bypass until this issue is resolved.

See the reply in context

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jhess Sep 11, 2019 1:13 PM

Hi Kyle,

Apologies for the delayed response.

I do believe you will receive an Approved response when using the trigger amount $1.00

I will update our documentation to reflect this change.

In regards to the decline you are receiving when using the trigger amount $31.00 would you mind sending over a transactionID for review?

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kylep @ jhess on Sep 12, 2019 2:31 PM

Hi Jerry,

Here is a log when attempting a $31.00 trigger on the above stated MasterCard. The transactionID appears to be 22967928. Hope this helps. Let me know if you need anything further.

-Kyle

array(24) {         ["id"]=>         string(4) "2068"         ["sales_order_id"]=>         string(4) "2786"         ["station_id"]=>         string(2) "38"         ["number"]=>         string(14) "SO-2730-P-2295"         ["method"]=>         string(6) "tripos"         ["type"]=>         string(5) "debit"         ["amount"]=>         string(2) "31"         ["amount_paid"]=>         NULL         ["amount_refunded"]=>         NULL         ["voidable"]=>         int(0)         ["created_at"]=>         string(19) "2019-09-12 15:23:44"         ["updated_at"]=>         string(19) "2019-09-12 15:24:12"         ["refunded_at"]=>         NULL         ["transaction_id"]=>         NULL         ["cc_last_4"]=>         NULL         ["cc_type"]=>         NULL         ["cc_exp_month"]=>         NULL         ["cc_exp_year"]=>         NULL         ["additional_data"]=>         array(35) {           ["cashbackAmount"]=>           int(0)           ["debitSurchargeAmount"]=>           int(0)           ["approvedAmount"]=>           int(0)           ["convenienceFeeAmount"]=>           int(0)           ["subTotalAmount"]=>           string(2) "31"           ["tipAmount"]=>           int(0)           ["emv"]=>           array(8) {             ["applicationIdentifier"]=>             string(14) "A0000000042203"             ["applicationLabel"]=>             string(10) "US Maestro"             ["applicationPreferredName"]=>             string(10) "US Maestro"             ["applicationTransactionCounter"]=>             string(4) "002D"             ["cryptogram"]=>             string(20) "AAC 010C5C5D127DB2D3"             ["tags"]=>             array(28) {               [0]=>               array(2) {                 ["key"]=>                 string(2) "50"                 ["value"]=>                 string(20) "5553204D61657374726F"               }               [1]=>               array(2) {                 ["key"]=>                 string(4) "9F12"                 ["value"]=>                 string(20) "5553204D61657374726F"               }               [2]=>               array(2) {                 ["key"]=>                 string(4) "9F07"                 ["value"]=>                 string(4) "FFC0"               }               [3]=>               array(2) {                 ["key"]=>                 string(4) "9F02"                 ["value"]=>                 string(12) "000000003100"               }               [4]=>               array(2) {                 ["key"]=>                 string(4) "9F03"                 ["value"]=>                 string(12) "000000000000"               }               [5]=>               array(2) {                 ["key"]=>                 string(4) "9F26"                 ["value"]=>                 string(16) "010C5C5D127DB2D3"               }               [6]=>               array(2) {                 ["key"]=>                 string(2) "82"                 ["value"]=>                 string(4) "7900"               }               [7]=>               array(2) {                 ["key"]=>                 string(2) "5A"                 ["value"]=>                 string(16) "************0681"               }               [8]=>               array(2) {                 ["key"]=>                 string(4) "5F34"                 ["value"]=>                 string(2) "03"               }               [9]=>               array(2) {                 ["key"]=>                 string(4) "9F36"                 ["value"]=>                 string(4) "002D"               }               [10]=>               array(2) {                 ["key"]=>                 string(2) "8A"                 ["value"]=>                 string(4) "3330"               }               [11]=>               array(2) {                 ["key"]=>                 string(4) "9F34"                 ["value"]=>                 string(6) "1E0300"               }               [12]=>               array(2) {                 ["key"]=>                 string(4) "9F27"                 ["value"]=>                 string(2) "00"               }               [13]=>               array(2) {                 ["key"]=>                 string(4) "9F0D"                 ["value"]=>                 string(10) "FC50A40000"               }               [14]=>               array(2) {                 ["key"]=>                 string(4) "9F0E"                 ["value"]=>                 string(10) "0000000000"               }               [15]=>               array(2) {                 ["key"]=>                 string(4) "9F0F"                 ["value"]=>                 string(10) "FC70A49800"               }               [16]=>               array(2) {                 ["key"]=>                 string(4) "9F10"                 ["value"]=>                 string(36) "0210204003220000E96700000000000000FF"               }               [17]=>               array(2) {                 ["key"]=>                 string(4) "9F1A"                 ["value"]=>                 string(4) "0840"               }               [18]=>               array(2) {                 ["key"]=>                 string(2) "95"                 ["value"]=>                 string(10) "0000088000"               }               [19]=>               array(2) {                 ["key"]=>                 string(4) "5F2A"                 ["value"]=>                 string(4) "0840"               }               [20]=>               array(2) {                 ["key"]=>                 string(2) "9A"                 ["value"]=>                 string(6) "190912"               }               [21]=>               array(2) {                 ["key"]=>                 string(2) "9B"                 ["value"]=>                 string(4) "E800"               }               [22]=>               array(2) {                 ["key"]=>                 string(4) "9F21"                 ["value"]=>                 string(6) "202345"               }               [23]=>               array(2) {                 ["key"]=>                 string(2) "9C"                 ["value"]=>                 string(2) "00"               }               [24]=>               array(2) {                 ["key"]=>                 string(4) "9F37"                 ["value"]=>                 string(8) "45746D96"               }               [25]=>               array(2) {                 ["key"]=>                 string(11) "TAC-Default"                 ["value"]=>                 string(10) "FE50BCA000"               }               [26]=>               array(2) {                 ["key"]=>                 string(10) "TAC-Denial"                 ["value"]=>                 string(10) "0000000000"               }               [27]=>               array(2) {                 ["key"]=>                 string(10) "TAC-Online"                 ["value"]=>                 string(10) "FE50BCF800"               }             }             ["issuerCodeTableIndex"]=>             string(2) "01"             ["pinBypassed"]=>             string(1) "1"           }           ["fsaCard"]=>           string(13) "NotApplicable"           ["isCardInserted"]=>           bool(false)           ["accountNumber"]=>           string(16) "************0681"           ["binValue"]=>           string(6) "541333"           ["cardHolderName"]=>           string(11) "Test Card 1"           ["cardLogo"]=>           string(10) "Mastercard"           ["currencyCode"]=>           string(3) "Usd"           ["entryMode"]=>           string(10) "ContactIcc"           ["expirationYear"]=>           string(2) "22"           ["expirationMonth"]=>           string(2) "12"           ["paymentType"]=>           string(5) "Debit"           ["pinVerified"]=>           bool(false)           ["signature"]=>           array(1) {             ["statusCode"]=>             string(7) "Unknown"           }           ["terminalId"]=>           string(5) "20038"           ["totalAmount"]=>           string(2) "31"           ["isApproved"]=>           bool(false)           ["_processor"]=>           array(12) {             ["processorLogs"]=>             array(2) {               [0]=>               string(317) "ExpressResponseCode: [20] ExpressResponseMessage: [Declined] HostResponseCode: [30] HostResponseMessage: [] ApprovalNumber: [] TransactionDateTime: [9/12/2019 8:23:43 PM] TransactionId: [22967928] ApprovedAmount: [0] PaymentAccountId: [] PaymentAccountReferenceNumber: [] ReferenceNumber: [SO-2730-P-2295] "               [1]=>               string(56) "EMV transaction declined by card after online processing"             }             ["processorRawResponse"]=>             string(1382) "<DebitCardSaleResponse xmlns="https://transaction.elementexpress.com"><Response><Batch><HostBatchID>25</HostBatchID><HostBatchAmount>0.00</HostBatchAmount></Batch><Card><CardLogo>Mastercard</CardLogo><CardNumberMasked>xxxx-xxxx-xxxx-0681</CardNumberMasked><EMVData>igIzMA==</EMVData><ExpirationMonth>12</ExpirationMonth><ExpirationYear>22</ExpirationYear></Card><ExpressResponseMessage>Declined</ExpressResponseMessage><ExpressTransactionDate>20190912</ExpressTransactionDate><ExpressTransactionTime>152343</ExpressTransactionTime><ExpressTransactionTimezone>UTC-05:00:00</ExpressTransactionTimezone><HostResponseCode>30</HostResponseCode><Transaction><HostTransactionID>967928</HostTransactionID><ProcessorName>VANTIV_TEST</ProcessorName><ReferenceNumber>SO-2730-P-2295</ReferenceNumber><TransactionID>22967928</TransactionID><TransactionStatus>Declined</TransactionStatus><TransactionStatusCode>2</TransactionStatusCode></Transaction><TransactionUpdateRequired>0</TransactionUpdateRequired><ExpressResponseCode>20</ExpressResponseCode></Response></DebitCardSaleResponse>"             ["processorReferenceNumber"]=>             string(14) "SO-2730-P-2295"             ["processorRequestFailed"]=>             bool(false)             ["processorRequestWasApproved"]=>             bool(false)             ["processorResponseCode"]=>             string(7) "Decline"             ["processorResponseMessage"]=>             string(8) "Declined"             ["expressResponseCode"]=>             string(2) "20"             ["expressResponseMessage"]=>             string(8) "Declined"             ["hostResponseCode"]=>             string(2) "30"             ["logs"]=>             array(2) {               [0]=>               string(317) "ExpressResponseCode: [20] ExpressResponseMessage: [Declined] HostResponseCode: [30] HostResponseMessage: [] ApprovalNumber: [] TransactionDateTime: [9/12/2019 8:23:43 PM] TransactionId: [22967928] ApprovedAmount: [0] PaymentAccountId: [] PaymentAccountReferenceNumber: [] ReferenceNumber: [SO-2730-P-2295] "               [1]=>               string(56) "EMV transaction declined by card after online processing"             }             ["rawResponse"]=>             string(1382) "<DebitCardSaleResponse xmlns="https://transaction.elementexpress.com"><Response><Batch><HostBatchID>25</HostBatchID><HostBatchAmount>0.00</HostBatchAmount></Batch><Card><CardLogo>Mastercard</CardLogo><CardNumberMasked>xxxx-xxxx-xxxx-0681</CardNumberMasked><EMVData>igIzMA==</EMVData><ExpirationMonth>12</ExpirationMonth><ExpirationYear>22</ExpirationYear></Card><ExpressResponseMessage>Declined</ExpressResponseMessage><ExpressTransactionDate>20190912</ExpressTransactionDate><ExpressTransactionTime>152343</ExpressTransactionTime><ExpressTransactionTimezone>UTC-05:00:00</ExpressTransactionTimezone><HostResponseCode>30</HostResponseCode><Transaction><HostTransactionID>967928</HostTransactionID><ProcessorName>VANTIV_TEST</ProcessorName><ReferenceNumber>SO-2730-P-2295</ReferenceNumber><TransactionID>22967928</TransactionID><TransactionStatus>Declined</TransactionStatus><TransactionStatusCode>2</TransactionStatusCode></Transaction><TransactionUpdateRequired>0</TransactionUpdateRequired><ExpressResponseCode>20</ExpressResponseCode></Response></DebitCardSaleResponse>"           }           ["statusCode"]=>           string(8) "Declined"           ["transactionDateTime"]=>           string(33) "2019-09-12T20:23:43.0000000+00:00"           ["transactionId"]=>           string(8) "22967928"           ["merchantId"]=>           string(9) "874767126"           ["isOffline"]=>           bool(false)           ["_errors"]=>           array(0) {           }           ["_hasErrors"]=>           bool(false)           ["_links"]=>           array(0) {           }           ["_logs"]=>           array(0) {           }           ["_type"]=>           string(12) "saleResponse"           ["_warnings"]=>           array(0) {           }         }         ["response_data"]=>         string(8) "Declined"         ["additional_information"]=>         NULL         ["notes"]=>         NULL         ["status"]=>         string(6) "failed"         ["voided_at"]=>         NULL

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jhess @ kylep on Sep 12, 2019 4:02 PM
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Thanks Kyle,
I am having difficulties recreating this decline.
Do you mind if I use your test credentials and create a lane (80) with my Mx915?
Also what prompt on the PIN pad are you choosing?
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- kylep @ jhess on Sep 12, 2019 4:20 PM
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  Sure that is ok by me. Do you need the Express Token, Account ID and Acceptor ID? As far as I am aware I'm using the standard test credentials for testing EMV cards which I believe was referred to as the EMV simulator.
  
  The steps I am doing is as follows
  Prompt terminal for $31.00 through dev instance of our POS
  Insert test EMV Mastercard ending in 0681
  Select Maestro option
  On Confirm screen, select OK to proceed
  On PIN screen, press OK to bypass (perhaps I am improperly bypassing the PIN here?)
  Result: Declined
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kylep @ jhess on Sep 12, 2019 3:52 PM
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Hi Jerry,
Just noticed on that updated documentation has 2 new errors. It appears the lines with MC 01 $1.00 triggers for Maestro (PIN bypass) and US Maestro (PIN bypass) were modified incorrectly along with the MC 01 $1.00 triggers for MasterCard and MasterCard (PIN bypass) that you mentioned you were going to modify. To be clear the only $1.00 triggers that were failing for me were the MasterCard and MasterCard (PIN bypass) triggers. Let me know if there are questions. Thanks.
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- jhess @ kylep on Sep 13, 2019 8:23 AM
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  Good morning Kyle,
  I believe I was able to get to the bottom of this issue.
  This is being caused by a known triPOS bug and is specific to the MC/Maestro EMV test card.
  The issue is that triPOS is sending the request as a DebitCardSale rather than a CreditCardSale.
  This is actively being worked on by our development team however I do not have an ETA for resolution at this time.
  The Visa EMV test card can be used to test PIN Bypass until this issue is resolved.
  2 people found this helpful
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  - kylep @ jhess on Sep 13, 2019 10:05 AM
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    Thank you for the assistance and update here. :-) I'll await the resolution.
    
    Also just in general thank you (or whoever) for the triggers document. It's been very helpful for testing here. Glad to have come across it.
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How to reproduce various triggers using EMV Vantiv MC 01 and EMV Vantiv Visa 07?

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