EMV Tag Reference
Tools/EMV Tag Reference/9F27
Card (ICC)Format: bLength: 1
9F27

Cryptogram Information Data

Tag ID
9F27
Format
b
Length (bytes)
1
Source
Card (ICC)

What it is

Cryptogram Information Data (CID) is a single byte accompanying the Application Cryptogram. Its top two bits declare the cryptogram type (00 = AAC / decline, 01 = TC / offline approval, 10 = ARQCApplication Request CryptogramThe cryptogram a card produces when it wants the transaction sent online to the issuer for approval.View in glossary → / go online), and the lower bits can signal advice and reason codes.

Where it appears

Returned by the card alongside the ACApplication CryptogramA cryptogram the card generates to approve or decline a transaction: TC (approve offline), ARQC (go online), or AAC (decline). in the GENERATE ACApplication CryptogramA cryptogram the card generates to approve or decline a transaction: TC (approve offline), ARQC (go online), or AAC (decline). response.

Specification reference

Defined in: EMV 4.x Book 3 (Application Specification), Annex A — Data Element Dictionary

Bit-level definitions below follow: EMV 4.4 Book 3, §6.5.5.4, Table 15 — Cryptogram Information Data (1 byte)

Bit & value breakdown

EMV 4.4 Book 3, §6.5.5.4, Table 15 — Cryptogram Information Data (1 byte)
Bits b8–b7 (cryptogram type)
b8–b7 = 00AAC — Application Authentication Cryptogram (transaction declined)
b8–b7 = 01TC — Transaction Certificate (transaction approved offline)
b8–b7 = 10ARQCApplication Request CryptogramThe cryptogram a card produces when it wants the transaction sent online to the issuer for approval.View in glossary → — Authorisation Request Cryptogram (go online for authorisation)
b8–b7 = 11RFUReserved for Future UseBits or bytes with no current meaning, reserved by the spec; they must be set to zero.
Bits b6–b1
b6–b5Payment system-specific cryptogram
b4 = 0x08Advice required
b3–b1 = 000Reason / advice code: no information given
b3–b1 = 001Service not allowed
b3–b1 = 010PIN Try Limit exceeded
b3–b1 = 011Issuer authentication failed
b3–b1 = 1xxRFUReserved for Future UseBits or bytes with no current meaning, reserved by the spec; they must be set to zero.
Common full-byte values
0x00AAC (0000 0000) — decline
0x40TC (0100 0000) — offline approval
0x80ARQCApplication Request CryptogramThe cryptogram a card produces when it wants the transaction sent online to the issuer for approval.View in glossary → (1000 0000) — request online authorisation

Example values

80ARQC — request online authorisation
40TC — approved offline
00AAC — declined

Decode & build this tag

🧮ARQC / ARPC Calculator🔓EMV TLV Decoder

Related tags

9F26Application Cryptogram (AC)9F36Application Transaction Counter (ATC)
← Previous9F26 Application Cryptogram (AC)Next →9F2A Kernel Identifier