To calculate the verification values you need the following data:
Enter the 16 or 19 digits card number:
Enter the 4 digit Expiry Date YYMM(EX: 2312):
Enter the 32 hex digits CVV Encryption Key(MDK):
Service code (used for CVV/CVC only):
Application Transaction Counter ATC(used for dCVV only):
Documentation - How to calculate CVV - Algorythm
Step 1. Ensure a 2-part 16 byte key. That is 32 hex characters. We will call this "Key"
Step 2. Ensure 16 or 19 digits PAN Card number
Step 3. Ensure 4 characters of Expiration Date
Step 4. Ensure 3 characters of Service Code
Step 5. Concatenate PAN, Expiry date, Service Code
Step 6. Fill with zeroes to the right until you have 32 characters. We will call this "Data"
Step 7. Encrypt (DES) the first half of the data with the first half of the key
Step 8. XOR the result with the second half of Data.
Step 9. Encrypt (DES) the result with the first half of the Key.
Step 10. Decrypt the result with the second half of the key.
Step 11. Encrypt the result with the first half of the key.
Step 12. Get only the digits(numbers) from the result; First 3 are the CVV
List of ISO8583 processing codes, description and use with Video guide and example in the ISO8583 Simulator
Purchase, Witdrawal, Balance Inquiry
ISO8583 Message Types for Transaction Processing with Video guide and example in the ISO8583 Simulator
Authorizations, Financial, File Updates, Network Management
Adding extra, custom fiedls to the ISO8583 simulator in 3 simple steps: Edit the spreadsheet and save, edit the message that reads the test data, alter the ISO8583 message.
ISO8583 Response Codes for Transaction processing, Video guide - example in the ISO8583 Simulator.
ISO 8583 v1987 v1993 - HISO87 and HISO93 Response codes
Deploy then neaPay Payments switch router to easily route transactions based on BIN/prefix, amount, merchant, originating or destination insytitution, node.
1. As a container orchestration with Docker-compose
2. As separate services managed as stand-alone.
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