EMV Tag Reference
Tools/EMV Tag Reference/9F0D
Card (ICC)Format: bLength: 5
9F0D

Issuer Action Code — Default

Tag ID
9F0D
Format
b
Length (bytes)
5
Source
Card (ICC)

What it is

Issuer Action Code — Default tells the terminal how to act when it cannot go online (for example a communications failure). Its 5 bytes mirror the TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → (95) bit layout: wherever a set IAC-Default bit lines up with a set TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → bit, the transaction is declined offline.

Where it appears

Read from the card record files; applied during terminal action analysis when online is not possible.

Specification reference

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

Bit-level definitions below follow: EMV Book 3 — Issuer Action Code Default (5 bytes). Bit positions mirror TVR (tag 95).

Bit & value breakdown

EMV Book 3 — Issuer Action Code Default (5 bytes). Bit positions mirror TVR (tag 95).
Bit structure mirrors TVR (tag 95) — each set bit forces offline decline / online when the matching TVR bit is set
Byte 1Offline Data Authentication bits (same positions as TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → byte 1)
Byte 2Application Version / Usage bits (same as TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → byte 2)
Byte 3Cardholder Verification bits (same as TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → byte 3)
Byte 4Terminal Risk Management bits (same as TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → byte 4)
Byte 5Issuer / Script Processing bits (same as TVRTerminal Verification ResultsEMV tag 95 — a 5-byte bitfield recording the outcome of the terminal’s risk and verification checks.View in glossary → byte 5)

Decode & build this tag

🖥️TVR Decoder🔓EMV TLV Decoder

Related tags

9F0EIssuer Action Code — Denial9F0FIssuer Action Code — Online95Terminal Verification Results (TVR)
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