EMV Tag Reference
Tools/EMV Tag Reference/9F10
Card (ICC)Format: bLength: ≤32Kernel-specific
9F10

Issuer Application Data (IAD)

Tag ID
9F10
Format
b
Length (bytes)
≤32
Source
Card (ICC)

What it is

Issuer Application Data (IADIssuer Application DataEMV tag 9F10 — issuer-specific data the card returns alongside the cryptogram.View in glossary →) is proprietary data the card sends to its issuer, carried unchanged through the terminal and acquirer in the authorisation and clearing messages. Its internal layout is scheme-specific — Visa (CVN), Mastercard (M-Chip), Amex and others each define their own format — and it typically includes the Cryptogram Version Number, Derivation Key Index, Card Verification Results (CVR) and counters.

Where it appears

Returned by the card in the GENERATE ACApplication CryptogramA cryptogram the card generates to approve or decline a transaction: TC (approve offline), ARQC (go online), or AAC (decline). response; forwarded to the issuer.

Specification reference

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

Example values

06011203A00000Visa-style IAD (length, DKI, CVN, CVR…)

Meaning by contactless kernel

Contact / Kernel 3· Visa

Byte 1 is the length, byte 2 the DKI, byte 3 the CVN; the CVR occupies the following bytes.

Kernel 2· Mastercard

M-Chip IADIssuer Application DataEMV tag 9F10 — issuer-specific data the card returns alongside the cryptogram.View in glossary → packs the CVN, DKI and a longer Card Verification Results block with counters.

Decode & build this tag

🗂️IAD Decoder🔓EMV TLV Decoder

Related tags

9F26Application Cryptogram (AC)9F27Cryptogram Information Data9F36Application Transaction Counter (ATC)
← Previous9F0F Issuer Action Code — OnlineNext →9F11 Issuer Code Table Index