← POS Entry Mode Decoder
POS entry mode · ISO 8583 DE 22 · EMV tag 9F39

10Credential on file

What does POS entry mode 10 mean?

Credential on file. The merchant used a card or token it had stored earlier (a credential on file) instead of capturing it again — one-click checkout, subscriptions, top-ups and other stored-credential payments.

Tag 9F39 value
10
DE 22 values
100 · 101 · 102
Defined by
Visa, Mastercard
PIN digit options
0, 1, 2, 3, 8

What it means for the transaction

  • Must be paired with the stored-credential indicators and, for merchant-initiated payments, the original transaction’s network ID.
  • Lets issuers recognise stored-credential payments instead of treating them as new card-not-present transactions.
  • The third digit still describes the terminal’s PIN capability; with no terminal it is normally 0 (unknown) or 2 (cannot accept PIN).

How 10 appears in DE 22

In field 22 of ISO 8583:1987 and of the Visa and Mastercard formats, the first two digits are the PAN entry mode and the third is the terminal's PIN entry capability. EMV tag 9F39 carries only the two-digit entry mode. (ISO 8583:1993 replaced field 22 with a 12-character POS data code.)

DE 22Meaning
100Credential on file · PIN entry capability unknown
101Credential on file · Terminal can accept PIN
102Credential on file · Terminal cannot accept PIN

Decode any value

Paste a 2-digit tag 9F39 value or a 3-digit DE 22 value to decode both the entry mode and the PIN capability digit.

Open the POS Entry Mode Decoder

Related codes

81E-commerce entry01Manual key entry09E-commerce with a DSRP cryptogram

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