Terminal verification results (TVR) or Tag '95'[1] is an EMV data object . The TVR is a series of bits set by the terminal reading an EMV card, based on logical tests (for example has the card expired). This data object is used in the terminal's decision whether to accept, decline or go on-line for a payment transaction. The format of the TVR is as follows:[2][3]
Byte 1
b8
b7
b6
b5
b4
b3
b2
b1
Meaning
1
Offline data authentication was not performed
1
SDA failed
1
ICC data missing
1
Card number appears on hotlist
1
DDA failed
1
CDA failed
1
RFU (Now SDA was selected)
0
RFU
Byte 2
b8
b7
b6
b5
b4
b3
b2
b1
Meaning
1
Card and terminal have different application versions
1
Expired application
1
Application not yet effective
1
Requested service not allowed for card product
1
New card
0
RFU
0
RFU
0
RFU
Byte 3
b8
b7
b6
b5
b4
b3
b2
b1
Meaning
1
Cardholder verification was not successful
1
Unrecognised CVM
1
PIN try limit exceeded
1
PIN entry required, but no PIN pad present or not working
1
PIN entry required, PIN pad present, but PIN was not entered
1
On-line PIN entered
0
RFU
0
RFU
Byte 4
b8
b7
b6
b5
b4
b3
b2
b1
Meaning
1
Transaction exceeds floor limit
1
Lower consecutive offline limit exceeded
1
Upper consecutive offline limit exceeded
1
Transaction selected randomly of on-line processing
Relay resistance time limits exceeded (Contactless Kernel 2)
0
0
Relay resistance protocol not supported (Contactless Kernel 2)
0
1
Relay resistance protocol not performed (Contactless Kernel 2)
1
0
Relay resistance protocol performed (Contactless Kernel 2)
1
1
RFU
^EMV® Contactless Specifications for Payment Systems Book C-6 Kernel 6 Specification(PDF). EMVCo. 2016. p. 122. Archived from the original (PDF) on 2022-01-22. Retrieved 2022-01-31.
^EMV Integrated Circuit Card Specifications for Payment Systems - Book 3: Application Specification. EMVCo. 2011. p. 165. Archived from the original on 2012-04-07. Retrieved 2012-03-26.
^EMV Contactless Specifications for Payment Systems - Book C-2: Kernel 2 Specification(PDF). EMVCo. 2020. p. 543.
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