EMV Tag Reference
Tools/EMV Tag Reference/9F0E
Card (ICC)Format: bLength: 5
9F0E

Issuer Action Code — Denial

Tag ID
9F0E
Format
b
Length (bytes)
5
Source
Card (ICC)

What it is

Issuer Action Code — Denial forces an immediate offline decline (no online attempt) for any condition the issuer considers unacceptable. Its bits 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 →; a match between a set IAC-Denial bit and 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 means "decline now".

Where it appears

Read from the card record files; applied first in terminal action analysis.

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 Denial (5 bytes). Bit positions mirror TVR (tag 95).

Bit & value breakdown

EMV Book 3 — Issuer Action Code Denial (5 bytes). Bit positions mirror TVR (tag 95).
Bit structure mirrors TVR (tag 95) — set bits cause hard offline decline
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

9F0DIssuer Action Code — Default9F0FIssuer Action Code — Online95Terminal Verification Results (TVR)
← Previous9F0D Issuer Action Code — DefaultNext →9F0F Issuer Action Code — Online