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POS Terminal EMV Config

Reference for EMV tags and parameters required in POS terminal configuration, organised by payment scheme (Visa, Mastercard, Amex, JCB, Discover, UnionPay) and contactless kernel.

Follows EMV 4.4 Book 4 Annex A · Books C-2 to C-79F33 / 9F35 / 9F40 decodes, kernel configuration tags·verified Oct 2026· double-checked Oct 2026— tag IDs, formats and bit layouts checked against openemv/emv-utils and proxmark3; TAC values against several published terminal configurations

Payment Scheme
Interface
AID(s)
A0000000031010A0000000032010A0000000033010
App Version (9F09)
008C
TagNameStatusFormatLengthExample ValueNotes
9F1ATerminal Country CodeMandatoryn20840ISO 3166-1 numeric code. 0840=USA, 0826=GBR, 0276=DEU, 0036=AUS.
5F2ATransaction Currency CodeMandatoryn20840ISO 4217 numeric code. 0840=USD, 0978=EUR, 0826=GBP, 0036=AUD.
9F35Terminal TypeMandatoryn122Book 4 Annex A1. First digit = operational control: 1 financial institution, 2 merchant, 3 cardholder. Second digit = environment: 1–3 attended, 4–6 unattended; 1/4 online only, 2/5 offline with online capability, 3/6 offline only. 22 = merchant-operated, attended, offline with online capability.
Example: Operated by merchant, attended, offline with online capability
9F33Terminal CapabilitiesMandatoryb3E0F8C8Book 4 Annex A2. Byte 1 card data input: 80 manual key entry, 40 magnetic stripe, 20 IC with contacts. Byte 2 CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary →: 80 plaintext offline PIN, 40 enciphered online PIN, 20 signature, 10 enciphered offline PIN, 08 no CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → required. Byte 3 security: 80 SDAStatic Data AuthenticationOffline check where the terminal verifies a fixed issuer signature over static card data. It cannot prove the card is live, so it is vulnerable to cloning and replay.View in glossary →, 40 DDADynamic Data AuthenticationOffline check where the card signs unique, per-transaction data with its own private key — proving the chip is genuine and not a clone.View in glossary →, 20 card capture, 08 CDACombined DDA / Application Cryptogram generationThe strongest offline authentication: the card signs the dynamic data and the transaction cryptogram together in one step, preventing tamper (“wedge”) attacks.View in glossary →. EMV 4.4 adds byte 2 04/02/01 online biometric, offline biometric, ECC offline PIN and byte 3 04 XDA (per openemv/emv-utils; not cross-checked against a second source).
Example: E0F8C8 = Manual key entry · Magnetic stripe · IC with contacts · Plaintext PIN for ICC verification · Enciphered PIN for online verification · Signature (paper) · Enciphered PIN for offline verification (RSA) · No CVM required · SDA · DDA · CDA
9F40Additional Terminal CapabilitiesMandatoryb56000F0A001Book 4 Annex A3. Bytes 1–2 transaction types: 80 cash, 40 goods, 20 services, 10 cashback, 08 inquiry, 04 transfer, 02 payment, 01 administrative; byte 2 80 cash deposit. Byte 3 data input: 80 numeric, 40 alphabetic/special, 20 command, 10 function keys. Byte 4 output: 80 print attendant, 40 print cardholder, 20 display attendant, 10 display cardholder, 02/01 code tables 10/9; EMV 4.4 renames 80/40 “print or electronic, attendant/cardholder”. Byte 5: code tables 8–1.
Example: 6000F0A001 = Goods · Services · Numeric keys · Alphabetic and special characters keys · Command keys · Function keys · Print, attendant · Display, attendant · Code table 1
9F15Merchant Category CodeMandatoryn25411ISO 18245 MCC per merchant. 5411=Grocery, 5812=Restaurant, 4111=Transit, 5541=Auto Fuel.
9F1CTerminal IdentificationMandatoryan812345678Acquirer-assigned terminal ID. Exactly 8 bytes, right-padded with ASCII spaces (0x20).
9F1EIFD Serial NumberMandatoryan8TERM0001Hardware serial assigned by manufacturer. Right-padded with spaces to 8 bytes.
9F41Transaction Sequence CounterMandatoryn400000001Book 3: n 4–8 (2–4 bytes BCD), incremented by one for each transaction the terminal performs.
9F09Application Version Number — TerminalMandatoryb2008CMust match the scheme-certified contact version. Scheme-specific value shown in the panel above.
9F1BTerminal Floor LimitMandatoryb400000000Binary amount in minor units (Book 3 §10.6.1): a transaction at or above it sets TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → "transaction exceeds floor limit"; the TAC/IAC-Online then send it online. 00000000 = every transaction exceeds the floor limit. 00001388 = 50.00 USD.
— TAC — DefaultMandatoryb5DC4000A800Visa Terminal Action Code Default: TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → conditions that decline when the terminal cannot go online (Book 3 §10.7). Commonly configured Visa value; confirm against the current Visa terminal requirements.
— TAC — DenialMandatoryb50010000000Visa Terminal Action Code Denial: TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → conditions that decline offline without going online. 0010000000 = "service not allowed for card product" only.
— TAC — OnlineMandatoryb5DC4004F800Visa Terminal Action Code Online: TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → conditions that send the transaction online. DC4004F800 is common in published Visa terminal configurations.
— Threshold for Biased Random SelectionMandatoryb400001388Amount in minor units (Book 3 §10.6.2), below the floor limit. Below the threshold the target percentage applies; between threshold and floor limit the selection probability rises towards the maximum target percentage. 00001388 = 50.00 USD.
— Target Percentage for Random SelectionOptionaln1100–99 %. Share of below-threshold transactions selected for online processing. Example: 10 %; use your acquirer's value.
— Max Target Percentage for Random SelectionOptionaln1250–99 %, at least the target percentage. Selection probability reached just below the floor limit. Example: 25 %.
Key
MandatoryMust be configured for EMV certification
OptionalConfigurable if supported by the terminal
ConditionalRequired only in specific scenarios (e.g. transit)
TAC values (rows with tag —) are non-TLV terminal parameters stored in the terminal's AID configuration file, not in a standard BER-TLV record. Schemes do not publish one default set: the Visa values shown are the commonly configured ones (DC4004F800 for TAC-Online is common in published Visa terminal configurations); for other schemes take the values from the scheme's terminal requirements or your acquirer's parameter file.
DF81xx tags are EMVCo Book C-2 (Kernel 2) tags: DF8123 floor limit, DF8124 / DF8125 transaction limits without / with on-device CVM, DF8126 CVM required limit, DF8130 hold time, DF812D message hold time, DF811F security capability. Entry Point (Book B) defines the same limits for the other kernels without fixing a tag, so terminal SDKs often reuse these IDs — check your kernel integration guide.
Limit amounts in DF81xx tags are n 12 — 12 BCD digits in 6 bytes, in minor currency units. Example: 000000002500 = 25.00 USD.
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