Terms and abbreviations

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2FA

Two Factor Auth

Two of the following elements have to be systematically used during the authentication process:

• Knowledge – Something only the cardholder knows (password, PIN, memorable info)
• Possession – Something only the cardholder has (Mobile phone, card, key fob)
• Inherence – Something the cardholder is (finger, face, voice, behavioural biometrics)

ACS

Access Control Server

PSP

Payment Service Provider

3DS

Three-Domain Secure

A security protocol used to authenticate users to protect card-not-present transaction scenarios against fraud, stymie unauthorized transactions, and reduce chargebacks.

CNP

Card Not Present

E-commerce support CNP payments where you enter your card details and a transaction is approved without the card being necessarily at the point of sale.

MDES

Mastercard Digital Enablement Service

EMV

EMV is short for Europay, Mastercard, and Visa. EMV Standard was created by these three; Europay, Mastercard, and Visa.

It's now under EMVCo, a consortium with control split equally among Visa, Mastercard, JCB, American Express, China UnionPay, and Discover.

BIN

Bank Identification Number - the first 4 or 6 numbers on a card

SCA

Strong Customer Authentication

ISSM

MC

Master Card

3RI

3DS Requestor Initiated

3RI payments are also called MITs

SLI

Service Level Indicator

MIT

Merchant Initiated Transactions

PVPA

Production Validation - PAyments - Message Category 85

PVNPA

Production Validation - Non PAyments - Message Category 86

IAV

Issuer Authentication Value