> For the complete documentation index, see [llms.txt](https://docs.payments.thalescloud.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payments.thalescloud.io/nfc-wallet-sdk-android/implement-nfc-wallet/make-payment/implement-contactless-payments/7.-configure-cdcvm-experiences/visa-cdcvm/visa-cvm-priority.md).

# Visa CVM priority

## Overview

Visa CVM selection is a negotiation between the **digital wallet application** and the POS terminal.

It determines the Cardholder Verification Method (CVM) used to authenticate the **end user**.

Set the CVM priority during SDK initialization in [Initialize the NFC Wallet SDK](/nfc-wallet-sdk-android/get-started/configuration/4.-initialize-the-nfc-wallet-sdk.md#configure-payment-behavior) using `CustomConfiguration`.

Use `CustomConfiguration.Builder.selectCvmOnlinePINPriority(...)` to prioritize:

* Online PIN

If you do not set a priority, NFC Wallet SDK uses **CDCVM priority**.

Based on the selected priority, NFC Wallet SDK chooses the best CVM supported by both:

* the card profile (CAP)
* the terminal capabilities (TTQ)

### Inputs used for CVM selection

#### CAP (card capabilities)

The supported CVMs per AID for a Visa contactless profile are defined by Card Additional Processes (CAP).

| Bit mapping  | Description                                                 |
| ------------ | ----------------------------------------------------------- |
| Byte 3 bit 8 | 1b: Online PIN is supported for domestic transactions.      |
| Byte 3 bit 7 | 1b: Online PIN is supported for international transactions. |
| Byte 3 bit 5 | 1b: Signature is supported.                                 |
| Byte 3 bit 4 | 1b: CDCVM is supported.                                     |

#### TTQ (terminal capabilities)

The POS terminal uses Terminal Transaction Qualifier (TTQ) to indicate supported capabilities.

| Bit mapping  | Description                                   |
| ------------ | --------------------------------------------- |
| Byte 1 bit 3 | 1b: Online PIN is supported.                  |
| Byte 1 bit 2 | 1b: Signature is supported.                   |
| Byte 3 bit 7 | 1b: CDCVM is supported.                       |
| Byte 2 bit 7 | 1b: CVM is required (high-value transaction). |

#### “Commonly supported” CVM

A CVM is *commonly supported* when it is supported by both the card profile (CAP) and the terminal (TTQ).

{% hint style="info" %}
Visa documentation often refers to CDCVM as **Device CVM**.
{% endhint %}

### Online PIN priority <a href="#online_pin-priority" id="online_pin-priority"></a>

1. Check whether CVM is required (`TTQ Byte 2 bit 7 == 1b`).
   * If false, proceed as a low-value transaction.
   * If true, continue with step 2.
2. Check if `ONLINE_PIN` is commonly supported.
   * If true, continue payment processing using Online PIN.
   * If false, continue with step 3.
3. Check if `Device CVM` is commonly supported.
   * If true, continue payment processing using CDCVM.
   * If false, continue with step 4.
4. Check if `SIGNATURE` is commonly supported.
   * If true, continue payment processing using signature.
   * If false, no commonly supported CVM exists. The terminal may require POS verification or reject the transaction.

### CDCVM priority <a href="#cdcvm-priority" id="cdcvm-priority"></a>

1. Check if `Device CVM` is commonly supported.
   * If true, continue with step 2.
   * If false, continue with step 3.
2. Check if CAP supports CDCVM and if CVM is required (`TTQ Byte 2 bit 7 == 1b`).
   * If true, proceed to authenticate the high-value transaction.
   * If CAP supports CDCVM but CVM is not required (`TTQ Byte 2 bit 7 == 0b`), proceed with the low-value transaction.
   * If CAP does not support CDCVM, continue payment processing using `CARD_LIKE`.
3. Check whether CVM is required (`TTQ Byte 2 bit 7 == 1b`).
   * If false, proceed as a low-value transaction.
   * If true, continue with step 4.
4. Check if `ONLINE_PIN` is commonly supported.
   * If true, continue payment processing using Online PIN.
   * If false, continue with step 5.
5. Check whether `SIGNATURE` is commonly supported.
   * If true, continue payment processing using signature.
   * If false, no commonly supported CVM exists. The terminal may require POS verification or reject the transaction.


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