3a: Transaction Risk Analysis 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 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) 5200 00 00 0000 1161 (version 2.2.0) 5200 00 00 0000 2052

Challenge code =

05

Reason code

=

100

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.