Card Usage Types

The table below lists all available Card Usage parameters, organised by service, with a description of the action for each configured value.

Service	Card Usage Parameters	Setting/Action
Cardholder Verification	Allow Chip PAN Entry Offline PIN Verification	YES: Online PIN verification and authorisation rules apply. NO: Transaction declined as not permitted.
	Allow Chip PAN Entry Online PIN Verification	YES: Online PIN verification and authorisation rules apply. NO: Transaction declined as not permitted.
	Allow Chip PAN Entry Signature Verification	YES: Authorisation rules apply for signature-verified requests. NO: Transaction declined as not permitted.
	Allow Chip PAN Entry No Verification	YES: All CHIP authorisation rules apply where no customer verification (PIN or Signature) has been provided. NO: Transaction declined as not permitted.
ATM Services	Allow PIN Change at ATM	YES: Correct PIN entry required; authorisation rules apply. NO: Transaction declined as not permitted.
	Allow PIN Unblock at ATM	YES: Online PIN verified; authorisation rules apply to unblock. NO: Transaction declined as not permitted.
	Allow Balance Enquiry at ATM	YES: Correct PIN required; balance returned based on product level (Level 3: account balance; Level 1: DDS response value). NO: Transaction declined as not permitted.
Card Present Services	Allow Magstripe Transaction at Chip-Capable Terminal (Technical Fallback)	YES: Technical fallback transactions permitted; authorisation rules apply. NO: Transaction declined as not permitted.
	Allow Contactless Transactions	YES: Contactless authorisation rules apply. NO: Transaction declined as not permitted.
	Allow Magstripe Transactions	YES: Magstripe authorisation parameters apply. NO: Transaction declined as not permitted.
Miscellaneous	Allow Non-Base Currency Transactions	YES: Cardholder can spend in network-supported currencies. NO: Transactions outside the configured product currency are declined.
	Allow International Transactions	YES: Authorisation rules apply where merchant currency differs from account/card currency. NO: Currencies different from the account/card currency are declined.
Cash Services	Allow ATM Cash Withdrawal	YES: Correct PIN required; ATM withdrawal authorisation rules apply. NO: Transaction declined as not permitted.
	Allow Cashback Transactions	YES: Cashback authorisation rules apply where cashback is included in the transaction. NO: Any transaction identifying cashback is declined.
	Allow Cash Advance	YES: Authorisation rules applied for Cash Advance merchants. NO: Transaction declined as not permitted.
Credit Services	Allow Credit to Card Transaction	YES: Credit to Card authorisation rules apply. For Level 3 products, account balance is increased following approval. NO: Transaction declined as not permitted.
	Allow Credit Purchase / Refund	YES: Refund authorisation rules apply. Funds are not credited until the clearing record is received and processed. NO: Transaction declined as not permitted.
Card Not Present Services	Allow E-Commerce Transactions	YES: E-commerce authorisation rules apply. NO: Transaction declined as not permitted.
	Allow Cardholder Not Present Transactions (excl. recurring & e-commerce)	YES: Authorisation rules apply for Card Not Present requests. NO: Transaction declined as not permitted.
	Approve if AVS Match Fails	YES: Authorisation rules applied following an AVS failure. NO: Transaction declined as not permitted.
	Allow Recurring Transactions	YES: Authorisation rules apply where recurring indicators are provided. NO: Transaction declined as not permitted.
	Allow Credentials on File Transactions	YES: Authorisation rules apply for Credential on File requests. NO: Transaction declined as not permitted.
	Allow CVV2 Not Present Transactions	YES: Customer Not Present authorisation rules apply where CVV2 is not received. NO: Transaction declined as not permitted.
	Allow Domestic E-Commerce Transactions Only	YES: E-commerce merchants with a country code differing from card issuance country are declined. NO: No country code restrictions for e-commerce merchants (outside network-level sanctions).

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