5. Cardholder Address Info

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Email address Billing address country Billing address state Billing address city Billing address postal code Billing address line 1 Shipping address country Shipping address state Shipping address city Shipping address postal code Shipping address line 1

Recurring Info

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Merchant Risk Indicator

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Shipping Indicator select 01 = Ship to cardholder’s billing address (addrMatch = Y) 02 = Ship to another verified address on file with merchant (addrMatch = N) 03 = Ship to address that is different than the cardholder’s billing address (addrMatch = N) 04 = “Ship to Store” / Pick-up at local store (Store address shall be populated in shipping address fields) 05 = Digital goods (includes online services, electronic gift cards and redemption codes) 06 = Travel and Event tickets, not shipped 07 = Other (for example, Gaming, digital services not shipped, emedia subscriptions, etc.) 08 = Pick-up and go delivery 09 = Locker delivery (or other automated pick-up) Delivery Timeframe select 01 = Electronic Delivery 02 = Same day shipping 03 = Overnight shipping 04 = Two or more day shipping Delivery Email Address Reorder Items Indicator select 01 = First time ordered 02 = Reordered Pre-Order Purchase Indicator select 01 = Merchandise available 02 = Future availability Pre-Order Date Gift Card Amount Note: For prepaid or gift card purchase, the purchase amount total of prepaid or gift card(s) in major units (for example, USD 123.45 is 123). Gift Card Currency Gift Card Count Note: For prepaid or gift card purchase, total count of individual prepaid or gift cards/codes purchased

3DS Authentication Info 2

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3DS Requestor ID 3DS Requestor name 3DS Requestor URL

EMV Payment Token Information

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Payment Token Token Assurance Method Token Requestor ID Token Cryptogram Token Cryptogram Validity Indicator Select 01 = Verified 02 = Failed 03 = Not Performed Token Status Indicator Token Additional Data

Multi-Transaction

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AV Validity Time AV Number Use

Merchant List

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Merchant Name Listed Acquirer Merchant ID Listed Merchant Amount Exponent Currency Seller ID

7. 3DS Authentication Info1

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Message version 2.1.0 2.2.0 2.3.1 Device Channel select 2 = Browser (BRW) 3 = 3DS Requestor Initiated (3RI) Message category PA NPA mastercard - Identity Check Insights mastercard - PVPA mastercard - PVNPA 3DS requestor authentication indicator select 01 = Payment transaction 02 = Recurring transaction 03 = Instalment transaction 04 = Add card 05 = Maintain card 06 = Cardholder verification as part of EMV token ID&V 07 = Billing Agreement 08 = Split shipment 09 = Delayed shipment 10 = Split payment 80 = (Visa)Remove specified VMID+PAN from Trusted Listing database 81 = (Visa)Visa-specific Data-only (VDO: straight to AACS, ignore ACS response) -- ONLY APPLICABLE FOR EMV 3DS v2.2.0 82 = (Visa)NO CHALLENGE REQUESTED. The merchant is requesting to utilize Secure Corporate Exemption as applicable 83 = (Visa)NO CHALLENGE REQUESTED. The merchant is requesting to utilize TRA Exemption -- ONLY APPLICABLE FOR EMV 3DS v2.1.0 80 = (AMEX)Membership Rewards transaction (01-PA)/Membership Rewards balance inquiry (02-NPA) 81 = (AMEX)Add EMV Token and perform Card Member verification as part of EMV Token ID&V 82 = (AMEX)Maintain EMV Token information and perform Card Member verification as part of EMV Token ID&V 3RI indicator select 01 = Recurring transaction 02 = Installment transaction 03 = Add card 04 = Maintain card information 05 = Account verification 06 = Split/delayed shipment 07 = Top-up 08 = Mail Order 09 = Telephone Order 10 = Whitelist status check 11 = Other payment 10 = Trust List status check 11 = Other payment 12 = Billing Agreement 13 = Device Binding status check 14 = Card Security Code status check 15 = Delayed shipment 16 = Split payment 17 = FIDO credential deletion 18 = FIDO credential registration 19 = Decoupled Authentication Fallback 81 = (mastercard)AAV Refresh

10. Visa DAF

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Cardholder account requestor ID Note: The 3DS Requestor assigned account identifier of the transacting cardholder. Authenticated Payment Processing Request Indicator Select 01 = DAF transaction 02 = Credential Status Check(only applicable if Device Channel = 03-3RI and Message Category = 02-NPA)

Visa DAF (DS Simulator)

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DAF Advice Select 01 = Must approve 02 = Issuer decision 03 = Issuer decision, step-up allowed Authenticated Payment Credential Status Select Y = Payment account is an Authenticated Payment Credential N = Payment account is not an Authenticated Payment Credential

Visa Score

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Visa RBA score(00-99)

Mastercard RBA

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Status RBA unavailable Success Score(0-650) Decision Select Low Risk Not Low Risk Reason code 1 Select A Risk Event - Suspicious Account Activity B Risk Event - Unknown Device/Account Relationship C Risk Event - Device or Profile Information associated with fraud event D Risk Event - Recent High Risk change to Device or Profile Information E Risk Event – Recent change to Device or Profile Information F Risk Event - PAN associated with fraud event G New Account or Insufficient Data H Merchant/ Acquirer: Merchant (fraud) risk high (assessed by Mastercard) I Merchant/ Acquirer: Merchant (fraud) risk low (assessed by Mastercard) J Environment: Good/ Known IP K Cardholder: Billing address – prior history established L Cardholder: Email address – prior history established M Cardholder: Phone number – prior history established N Cardholder: Shipping address – prior history established O Cardholder: Card number (PAN) behavior established high trust in the current transaction P Environment: Device known Q Environment: Account established on Device R Environment: Session - Trusted/normal/ innocent session (no man in the middle attack / no bot, not suspicious account activity) S More than one Cardholder category established T More than one Merchant/ Acquirer category established U More than one Environment category established V Co-occurring: established link between Cardholder and Merchant/ Acquirer W Co-occurring: established link between Cardholder and Environment X Co-occurring: established link between Merchant/ Acquirer and Environment Y All three categories established Z VIP, Known Customer (Merchant Submitted) Reason code 2

Cardholder Account Information

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Cardholder Account Age Indicator select 01=No account (guest check-out) 02=Created during this transaction 03=Less than 30 days 04=30~60 days 05=More than 60 days Cardholder Account Date Cardholder Account Change Indicator select 01=Changed during this transaction 02=Less than 30 days 03=30~60 days 04=More than 60 days Cardholder Account Change Cardholder Account Password Change Indicator select 01=No change 02=Changed during this transaction 03=Less than 30 days 04=30~60 days 05=More than 60 days Cardholder Account Password Change Shipping Address Usage Indicator select 01=This transaction 02=Less than 30 days 03=30~60 days 04=More than 60 days Shipping Address Usage Number of Transactions Day Number of Provisioning Attempts Day Cardholder Account Purchase Count Suspicious Account Activity select 01=No suspicious activity has been observed 02=Suspicious activity has been observed Shipping Name Indicator select 01=Account Name identical to shipping Name 02=Account Name different than shipping Name Payment Account Age Indicator select 01=No account (guest check-out) 02=During this transaction 03=Less than 30 days 04=30~60 days 05=More than 60 days Payment Account Age Note: Date that the payment account was enrolled in the cardholder’s account with the 3DS Requestor.