Mastercard CDCVM

Overview

This page describes CDCVM behavior for a Mastercard digital card.

Supported CDCVM variants

Mastercard supports two CDCVM variants in the MCBPv2 digital card profile:

• FLEXIBLE_CDCVM supports LVT without authentication and transit payments without authentication.
• CDCVM_ALWAYS requires end user authentication for every transaction.

Low-value transaction (LVT)

For Mastercard, the terminal determines whether a transaction is an LVT.

It uses data in the Generate AC APDU command, including the CVM result and terminal capabilities.

To support LVT without authentication:

• The Mastercard digital card profile must be FLEXIBLE_CDCVM.
• You must enable the LVT payment experience as described in Define risk management.

Transit payment without authentication

For Mastercard, NFC Wallet SDK treats a transaction as a transit transaction when both conditions are true:

• The transaction amount is 0.
• The transaction MCC identifies a transit merchant.

To support transit payments at a transit gate without authentication:

• The Mastercard digital card profile must be FLEXIBLE_CDCVM.
• You must enable transit payment without authentiction as described in Define risk management.

MCC for transit

MCC for transit

MCC	Description
4111	Transportation - suburban and local commuter passenger, including ferries
4131	Bus lines
4784	Bridge and road fees, tolls
7523	Automobile parking lots and garages