Addressing issues with dual interface transaction declines

Insert to pay or tap to pay. Dual interface cards allow both. For many consumers, the tap to pay option feels faster, mirroring the speed of mobile transactions. Issuing dual interface cards offers community financial institutions (FIs) a new option to meet consumer demand for perceptibly faster transactions.

Recently, however, TMG has noticed some nuances with dual interface technology that may impact FIs. Specifically, at certain merchant locations, some transactions are showing up as entry mode 91, or magnetic stripe data, instead of dual interface EMV transactions. When these transactions are passed to processors for validation, the magnetic stripe CVV is read rather than the dynamic CVV, therefore the transactions are declined.

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