Example of a MasterCard PayPass ContactLess transaction

When working on EMV transactions, it’s always interesting to have some APDU examples and dialog sequences. Below is an example of a successful MasterCard PayPass contactless transaction. Don’t bother trying to use the card info, it is dummy info 🙂 PCD identifies the terminal commands, PICC the PayPass card responses :

PCD     Select File
            CLA: 00
            INS: A4
            P1: 04
            P2: 00
            Lc: 0E
            Data: 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 // Select PPSE (2PAY.SYS.DDF01)
            Le: 00
PICC    Successful
            Data (37 bytes)
                Tag 6F:FCI Template
                Length:23
                Value :84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 
                       A5 11 BF 0C 0E 61 0C 4F 07 A0 00 00 00 04 10 10 
                       87 01 01
                    Tag 84:Dedicated File (DF) Name
                    Length:0E
                    Value :32 50 41 59 2E 53 59 53 2E 44 44 46 30 31
                    Tag A5:FCI Proprietary Template
                    Length:11
                    Value :BF 0C 0E 61 0C 4F 07 A0 00 00 00 04 10 10 87 01 
                           01
                        Tag BF0C:FCI Discretionary Data
                        Length:0E
                        Value :61 0C 4F 07 A0 00 00 00 04 10 10 87 01 01
                            Tag 61:Application Template
                            Length:0C
                            Value :4F 07 A0 00 00 00 04 10 10 87 01 01
                                Tag 4F:Application Identifier
                                Length:07
                                Value :A0 00 00 00 04 10 10
                                Tag 87:Application Priority Indicator
                                Length:01
                                Value :01
                SW1 SW2: 90 00
PCD     Select File
               CLA: 00
               INS: A4
               P1: 04
               P2: 00
               Lc: 07
               Data: A0 00 00 00 04 10 10
               Le: 00
PICC    Successful
            Data (76 bytes)
                Tag 6F:FCI Template
                Length:4A
                Value :84 07 A0 00 00 00 04 10 10 A5 3F 50 0F 50 50 43 
                       20 4D 43 44 20 30 32 20 76 32 20 32 9F 38 03 9F 
                       1D 08 BF 0C 25 5F 50 22 46 69 6D 65 20 5C 2A 2F 
                       20 53 38 20 50 50 43 20 4D 43 44 20 30 32 20 76 
                       32 20 32 20 5C 2A 2F 20 76 31
                    Tag 84:Dedicated File (DF) Name
                    Length:07
                    Value :A0 00 00 00 04 10 10
                    Tag A5:FCI Proprietary Template
                    Length:3F
                    Value :50 0F 50 50 43 20 4D 43 44 20 30 32 20 76 32 20 
                           32 9F 38 03 9F 1D 08 BF 0C 25 5F 50 22 46 69 6D 
                           65 20 5C 2A 2F 20 53 38 20 50 50 43 20 4D 43 44 
                           20 30 32 20 76 32 20 32 20 5C 2A 2F 20 76 31
                        Tag 50:Application Label
                        Length:0F
                        Value :50 50 43 20 4D 43 44 20 30 32 20 76 32 20 32
                        ASCII Value:PPC MCD 02 v2 2
                        Tag 9F38:Processing Options Data Object List (PDOL)
                        Length:03
                        Value :9F 1D 08
                            Tag 9F1D:Terminal Risk Management Data
                            Length:08
                        Tag BF0C:FCI Discretionary Data
                        Length:25
                        Value :5F 50 22 46 69 6D 65 20 5C 2A 2F 20 53 38 20 50 
                               50 43 20 4D 43 44 20 30 32 20 76 32 20 32 20 5C 
                               2A 2F 20 76 31
                            Tag 5F50:Issuer URL
                            Length:22
                            Value :46 69 6D 65 20 5C 2A 2F 20 53 38 20 50 50 43 20
                                   4D 43 44 20 30 32 20 76 32 20 32 20 5C 2A 2F 20
                                   76 31
                SW1 SW2: 90 00
PCD     Get Processing Options
               CLA: 80
               INS: A8
               P1: 00
               P2: 00
               Lc: 0A
               Data: 83 08 00 00 00 00 00 00 00 00
               Le: 00
PICC    Successful
            Data (24 bytes)
                Tag 77:Response Message Template Format 2
                Length:16
                Value :82 02 59 80 94 10 08 01 01 00 10 01 01 01 18 01 
                       02 00 20 01 02 00
                    Tag 82:Application Interchange Profile
                    Length:02
                    Value :59 80
                    Tag 94:Application File Locator (AFL)
                    Length:10
                    Value :08 01 01 00 10 01 01 01 18 01 02 00 20 01 02 00
                SW1 SW2: 90 00
PCD     Read Record
               CLA: 00
               INS: B2
               P1: 01
               P2: 14
               Le: 00
PICC    Successful
            Data (184 bytes)
                Tag 70:Application Elementary File (AEF) Data Template
                Length:B5
                Value :57 11 54 13 33 00 89 60 00 28 D2 51 22 01 01 23 
                       40 91 72 5A 08 54 13 33 00 89 60 00 28 5F 20 0C 
                       45 54 45 43 2F 50 41 59 50 41 53 53 5F 24 03 25 
                       12 31 5F 25 03 04 01 01 5F 28 02 00 56 5F 34 01 
                       01 8C 21 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 
                       02 9A 03 9C 01 9F 37 04 9F 35 01 9F 45 02 9F 4C 
                       08 9F 34 03 8D 0C 91 0A 8A 02 95 05 9F 37 04 9F 
                       4C 08 8E 0E 00 00 00 00 00 00 00 00 42 03 5E 03 
                       1F 03 9F 07 02 FF 00 9F 08 02 00 02 9F 0D 05 00 
                       00 00 00 00 9F 0E 05 00 00 00 00 00 9F 0F 05 00 
                       00 00 00 00 9F 42 02 09 78 9F 4A 01 82 9F 20 05 
                       99 99 99 99 9F
                    Tag 57:Track 2 Equivalent Data
                    Length:11
                    Value :54 13 33 00 89 60 00 28 D2 51 22 01 01 23 40 91 
                           72
                    Tag 5A:Application Primary Account Number (PAN)
                    Length:08
                    Value :54 13 33 00 89 60 00 28
                    Tag 5F20:Cardholder Name
                    Length:0C
                    Value :45 54 45 43 2F 50 41 59 50 41 53 53
                    ASCII Value:ETEC/PAYPASS
                    Tag 5F24:Application Expiration Date
                    Length:03
                    Value :25 12 31
                    Tag 5F25:Application Effective Date
                    Length:03
                    Value :04 01 01
                    Tag 5F28:Issuer Country Code
                    Length:02
                    Value :00 56
                    Tag 5F34:Application PAN Sequence Number
                    Length:01
                    Value :01
                    Tag 8C:Card Risk Management Data 1 (CDOL1)
                    Length:21
                    Value :9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 
                           9C 01 9F 37 04 9F 35 01 9F 45 02 9F 4C 08 9F 34 
                           03
                        Tag 9F02:Amount, Authorized (Numeric)
                        Length:06
                        Tag 9F03:Amount, Other (Numeric)
                        Length:06
                        Tag 9F1A:Terminal Country Code
                        Length:02
                        Tag 95:Terminal Verification Results
                        Length:05
                        Tag 5F2A:Transaction Currency Code
                        Length:02
                        Tag 9A:Transaction Date
                        Length:03
                        Tag 9C:Transaction Type
                        Length:01
                        Tag 9F37:Unpredictable Number
                        Length:04
                        Tag 9F35:Terminal Type
                        Length:01
                        Tag 9F45:Data Authentication Code
                        Length:02
                        Tag 9F4C:ICC Dynamic Number
                        Length:08
                        Tag 9F34:Cardholder Verification Method (CVM) Results
                        Length:03
                    Tag 8D:Card Risk Management Data 2 (CDOL2)
                    Length:0C
                    Value :91 0A 8A 02 95 05 9F 37 04 9F 4C 08
                        Tag 91:Issuer Authentication Data
                        Length:0A
                        Tag 8A:Authorisation Response Code
                        Length:02
                        Tag 95:Terminal Verification Results
                        Length:05
                        Tag 9F37:Unpredictable Number
                        Length:04
                        Tag 9F4C:ICC Dynamic Number
                        Length:08
                    Tag 8E:Cardholder Verification Method (CVM) List
                    Length:0E
                    Value :00 00 00 00 00 00 00 00 42 03 5E 03 1F 03
                        code = 00:RFU
                        condition = 00:Always
                        code = 00:RFU
                        condition = 00:Always
                        code = 00:RFU
                        condition = 00:Always
                        code = 00:RFU
                        condition = 00:Always
                        code = 42:Apply succeeding CVM Rule if this CVM is unsuccessful, Enciphered PIN verification online
                        condition = 03:If terminal supports the CVM
                        code = 5E:Apply succeeding CVM Rule if this CVM is unsuccessful, Signature (paper)
                        condition = 03:If terminal supports the CVM
                        code = 1F:Fail cardholder verification if this CVM is unsuccessful, No CVM required
                        condition = 03:If terminal supports the CVM
                    Tag 9F07:Application Usage Control
                    Length:02
                    Value :FF 00
                    Tag 9F08:Application Version Number
                    Length:02
                    Value :00 02
                    Tag 9F0D:Issuer Action Code - Default
                    Length:05
                    Value :00 00 00 00 00
                    Tag 9F0E:Issuer Action Code - Denial
                    Length:05
                    Value :00 00 00 00 00
                    Tag 9F0F:Issuer Action Code - Online
                    Length:05
                    Value :00 00 00 00 00
                    Tag 9F42:Application Currency Code
                    Length:02
                    Value :09 78
                    Tag 9F4A:Static Data Authentication Tag List
                    Length:01
                    Value :82
                Tag 9F20:Track 2 Discretion Data
            Length:05
            Value :99 99 99 99 9F
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 01
         P2: 1C
         Le: 00
PICC    Successful
        Data (163 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:A0
          Value :8F 01 FA 9F 32 01 03 92 04 D3 52 41 07 90 81 90 
                 18 89 B9 97 E6 FC E8 4B 4A E7 AB 87 43 1C BD B3 
                 DF 8C 1D 5A 55 A7 F6 0D 29 59 AF 3A 51 04 E7 58 
                 83 17 ED 74 08 66 68 CF 1A 05 47 84 F7 49 3C 6D 
                 74 7F A7 96 EC 14 D3 33 A6 8E C7 E0 08 62 95 9A 
                 0B D0 F0 48 20 80 B7 1A C1 B7 62 5B 1B 8B 1F 35 
                 A6 69 19 99 BA 78 F5 92 E2 3F 95 E9 96 09 D1 08 
                 CF 1C 0E 30 8A 8B F6 4F BD E8 37 D3 CE 13 8A 50 
                 DC 50 AF 4B 41 EE 53 D9 8A 11 B6 A8 1D DD 44 CC 
                 43 0C 1E F3 BB 9D 1D 75 A0 2F AA 9C 81 4A FC 58
            Tag 8F:Certification Authority Public Key Index
            Length:01
            Value :FA
            Tag 9F32:Issuer Public Key Exponent
            Length:01
            Value :03
            Tag 92:Issuer Public Key Remainderer
            Length:04
            Value :D3 52 41 07
            Tag 90:Issuer Public Key Certificate
            Length:90
            Value :18 89 B9 97 E6 FC E8 4B 4A E7 AB 87 43 1C BD B3 
                   DF 8C 1D 5A 55 A7 F6 0D 29 59 AF 3A 51 04 E7 58 
                   83 17 ED 74 08 66 68 CF 1A 05 47 84 F7 49 3C 6D 
                   74 7F A7 96 EC 14 D3 33 A6 8E C7 E0 08 62 95 9A 
                   0B D0 F0 48 20 80 B7 1A C1 B7 62 5B 1B 8B 1F 35 
                   A6 69 19 99 BA 78 F5 92 E2 3F 95 E9 96 09 D1 08 
                   CF 1C 0E 30 8A 8B F6 4F BD E8 37 D3 CE 13 8A 50 
                   DC 50 AF 4B 41 EE 53 D9 8A 11 B6 A8 1D DD 44 CC 
                   43 0C 1E F3 BB 9D 1D 75 A0 2F AA 9C 81 4A FC 58
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 02
         P2: 1C
         Le: 00
PICC    Successful
        Data (116 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:72
          Value :93 70 44 0D F0 8D 3B 67 A5 BB 81 B8 E3 9C 1D 0D 
                 62 D2 7B 88 02 46 15 AC 14 65 2C 78 F4 E3 B2 80 
                 DC BD 4B 18 05 9D 66 9F 81 BA 48 09 A6 E5 8C 26 
                 51 64 52 12 2E 52 5C 07 3F 15 0A 1A 80 62 9F D7 
                 64 6D 18 74 73 F0 03 61 5D 84 D2 EA 7D C3 E9 BC 
                 BD C9 3D 09 88 29 4E CA 15 01 17 33 0D A2 FC 39 
                 9A 97 7F AD D6 B7 BE 36 53 5E A4 F1 98 DB 6B 32 
                 F1 33
            Tag 93:Signed Application Data
            Length:70
            Value :44 0D F0 8D 3B 67 A5 BB 81 B8 E3 9C 1D 0D 62 D2 
                   7B 88 02 46 15 AC 14 65 2C 78 F4 E3 B2 80 DC BD 
                   4B 18 05 9D 66 9F 81 BA 48 09 A6 E5 8C 26 51 64 
                   52 12 2E 52 5C 07 3F 15 0A 1A 80 62 9F D7 64 6D 
                   18 74 73 F0 03 61 5D 84 D2 EA 7D C3 E9 BC BD C9 
                   3D 09 88 29 4E CA 15 01 17 33 0D A2 FC 39 9A 97 
                   7F AD D6 B7 BE 36 53 5E A4 F1 98 DB 6B 32 F1 33
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 01
         P2: 24
         Le: 00
PICC    Successful
        Data (35 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:21
          Value :9F 47 01 03 9F 48 1A 00 00 00 00 00 00 00 06 60 
                 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 
                 55
            Tag 9F47:ICC Public Key Exponent
            Length:01
            Value :03
            Tag 9F48:ICC Public Key Remainder
            Length:1A
            Value :00 00 00 00 00 00 00 06 60 00 00 00 00 00 00 00 
                   00 00 00 00 00 00 00 00 00 55
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 02
         P2: 24
         Le: 00
PICC    Successful
        Data (117 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:73
          Value :9F 46 70 38 7C 7E 87 02 F3 42 8D 6B 82 FC 70 FE 
                 EB 29 96 F7 21 78 7B DD 79 CA EF 7A 65 0E 7D 00 
                 CF E5 2C C5 09 6B 58 DB F2 7B 07 9D 8E 82 FC F4 
                 57 FC C3 46 FF 49 F6 F7 19 F5 BE 80 FD 50 A6 52 
                 51 2C DB 03 32 5E FA 59 BC 00 A5 5F AE F4 A3 D7 
                 FD 92 F0 5F 67 B7 92 B6 FB 51 5B F1 92 82 CF D1 
                 89 B7 4B 91 1F 9D 0E 76 CD E0 BD E6 87 FA B9 FC 
                 23 9B DA
            Tag 9F46:ICC Public Key Certificate
            Length:70
            Value :38 7C 7E 87 02 F3 42 8D 6B 82 FC 70 FE EB 29 96 
                   F7 21 78 7B DD 79 CA EF 7A 65 0E 7D 00 CF E5 2C 
                   C5 09 6B 58 DB F2 7B 07 9D 8E 82 FC F4 57 FC C3 
                   46 FF 49 F6 F7 19 F5 BE 80 FD 50 A6 52 51 2C DB 
                   03 32 5E FA 59 BC 00 A5 5F AE F4 A3 D7 FD 92 F0 
                   5F 67 B7 92 B6 FB 51 5B F1 92 82 CF D1 89 B7 4B 
                   91 1F 9D 0E 76 CD E0 BD E6 87 FA B9 FC 23 9B DA
          SW1 SW2: 90 00
PCD     Generate Application Cryptogram
         CLA: 80
         INS: AE
         P1: 50 // PayPass Spec - Table 5.7: TC (offline authorization allowed), CDA requested
         P2: 00
         Lc: 2B
         Data: 00 00 00 00 01 00 00 00 00 00 00 00 01 24 00 00 
               00 00 00 01 24 14 02 25 00 ED 03 F6 3B 22 00 00 
               00 00 00 00 00 00 00 00 1F 03 02
         Le: 00
PICC    Successful
        Data (146 bytes)
          Tag 77:Response Message Template Format 2
          Length:8F
          Value :9F 27 01 80 9F 36 02 00 13 9F 4B 60 08 B8 6F F7 
                 0E 14 CE 20 03 AC 31 5B B6 91 C5 13 11 C5 82 10 
                 D5 2C CF 32 CC 76 D3 9F 6C A9 E2 71 9D DD 8B 41 
                 83 97 A1 B2 CD 59 FC 00 58 F4 E6 B9 2A 4A 2C 93 
                 5E 85 69 DD 10 1C 9A 5D FB F0 17 63 C0 20 09 66 
                 C5 B4 FD FE 45 A9 C4 C6 6E 6A 39 01 7C F5 ED F8 
                 F0 9F AC B2 C2 DC 6A 9B CE 3C B4 B9 9F 10 20 01 
                 10 A0 40 09 24 80 00 00 00 00 00 00 00 00 00 00 
                 FF 00 00 00 00 00 00 00 00 00 00 00 00 00 00
            Tag 9F27:Cryptogram Information Data (CID)
            Length:01
            Value :80 // ARQC = online authorization (EMV 4.3 Book 3, table 14)
            Tag 9F36:Application Transaction Counter (ATC)
            Length:02
            Value :00 13
            Tag 9F4B:Signed Dynamic Application Data
            Length:60
            Value :08 B8 6F F7 0E 14 CE 20 03 AC 31 5B B6 91 C5 13 
                   11 C5 82 10 D5 2C CF 32 CC 76 D3 9F 6C A9 E2 71 
                   9D DD 8B 41 83 97 A1 B2 CD 59 FC 00 58 F4 E6 B9 
                   2A 4A 2C 93 5E 85 69 DD 10 1C 9A 5D FB F0 17 63 
                   C0 20 09 66 C5 B4 FD FE 45 A9 C4 C6 6E 6A 39 01 
                   7C F5 ED F8 F0 9F AC B2 C2 DC 6A 9B CE 3C B4 B9
            Tag 9F10:Issuer Application Data
            Length:20
            Value :01 10 A0 40 09 24 80 00 00 00 00 00 00 00 00 00 
                   00 FF 00 00 00 00 00 00 00 00 00 00 00 00 00 00
          SW1 SW2: 90 00
PCD      RESET

9 thoughts on “Example of a MasterCard PayPass ContactLess transaction

  1. Alex Caicedo

    Hi, i newbie developer over platform JCOP and EMV .
    (My english is so bad).

    I would like to know how to get my smart card, automatically generate the ARQC dynamically. Since I’ve only seen the templates (tag 80 and 77) ARQC static, but I can not get my card ARQC dynamically generated.
    You can help me with this?

    Reply
  2. Nicolas Riousset Post author

    Hi Alex,

    Unfortunately, I’m not working anymore with EMV smart cards, and without your transaction full trace, it’ll be hard to tell you what’s going on.

    However, an ARQC can be forced by the terminal with the P1 parameter of the “Generate Application Cryptogram” APDU. You’ll find the details of the command in EMV Book 4.3, section “6.5.5 GENERATE APPLICATION CRYPTOGRAM Command-Response APDUs.”
    In the example above, param P1 has value 50 (b01010000) , which means the transaction can be approved offline by the card (TC). To force the card to approve online (or to decline the transaction), you would have to indicate that an ARQC is required with a param P1 value like b10xxxxxx, for example 80.

    Good luck,

    Nicolas

    Reply
  3. Nicolas Riousset Post author

    Hi Alex,

    Sorry, I don’t have this transaction APDUs, and I don’t have acces anymore to the hardware to replay the transaction and record the APDUs.

    Good luck

    Reply
  4. Tushar

    Hi Nicolas,

    Can you please provide similar example for MAG-STRIPE PayPass ContactLess transaction?

    Thanks in Advance 🙂

    Tushar

    Reply
    1. Nicolas Riousset Post author

      Hi Chiase,

      The data in the Generate Application Cryptogram command is defined in EMV Contactless Book C-2 Kernel 2 Specification , section 5.4 Generate AC.
      These are the values requested by the card in the Card Risk Management Data 1 (CDOL1) (tag 8C), that you can see in the card response to the first READ RECORD command. In the transaction above, requested values are :
      Amount, Authorized (Numeric), Amount, Other (Numeric), Terminal Country Code, Terminal Verification Results, Transaction Currency Code, Transaction Date, Transaction Type, Unpredictable Number, Terminal Type, Data Authentication Code, ICC Dynamic Number, Cardholder Verification Method (CVM) Results

      Nicolas

      Reply

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