3a: TRA Exemption—Low Value: Mastercard EMV

3-D Secure

2.1 and 2.2

You have performed a proprietary risk assessment based on fraud thresholds established with the network. You are requesting an exemption from transaction risk analysis (TRA) because the Mastercard transaction is low risk or low value. Be sure to use the correct test card number for your version of EMV

3-D Secure

. The PARes Status will differ between the EMV

3-D Secure

versions.

Card Type	Test Card Number
Mastercard Card Type = 002	(version 2.1.0) 52XX XXXX XXXX 1161 (version 2.2.0) 52XX XX XX XXXX 2X52

Challenge code

=

05

Status

=

AUTHENTICATION_SUCCESSFUL

VERes enrolled =

Y

PARes status =

N

CAVV = <CAVV value>

ECI =

06

Reason code =

81

For Mastercard Identity Check, the Challenge Indicator should be passed as

05

.

VERes enrolled =

Y

PARes status =

I

CAVV = <CAVV value>

ECI =

06

Proceed to authorization.

You can also request the transaction risk analysis exemption directly during authorization if the region and your agreements with your acquirer and the networks support it.