Receipt requirements for card schemes

Outlines required fields to be included on receipts. 


Several fields are required by schemes to be included on a receipt. As well as scheme requirements, there are general requirements on what should be included on a receipt. 

EMV Specific requirements

Field Name Visa Mastercard Discover American Express EMVCo
AID

REQUIRED

REQUIRED

REQUIRED

REQUIRED

REQUIRED

Application Label

REQUIRED

REQUIRED

REQUIRED

REQUIRED

OPTIONAL

Card Expiry Date

FORBIDDEN

FORBIDDEN

FORBIDDEN

FORBIDDEN

FORBIDDEN

Cryptogram Type

OPTIONAL

OPTIONAL

OPTIONAL

RECOMMENDED

OPTIONAL

Cryptogram

OPTIONAL

OPTIONAL

OPTIONAL

RECOMMENDED

OPTIONAL

PIN Statement

REQUIRED

REQUIRED

REQUIRED

REQUIRED

REQUIRED

All other EMV-specific receipt fields are optional and depend on your own business needs.

General requirements

Field Cardholder Receipt Merchant Receipt Description
Merchant DBA Name

REQUIRED

REQUIRED

DBA (Doing Business As) Name is the merchant operating name.
Merchant location

REQUIRED

REQUIRED

Merchant location. Provide a detailed address to distinguish your stores. For example, include the store number.

Merchant ID

REQUIRED

REQUIRED

Merchant name as provided by the acquirer.
Merchant Website

REQUIRED

REQUIRED

Merchant website. (Required for online & card not present transactions)

Transaction date & time

REQUIRED

REQUIRED

Time the transaction was processed.
Transaction Type

REQUIRED

REQUIRED

Type of transaction. For example, retail sale, credit, debit, cash disbursement, refund.
Description of products/services sold

REQUIRED

REQUIRED

Detailed description and price for each product or service, including taxes.

Invoice Number

RECOMMENDED

RECOMMENDED

Identifies the transaction.
Purchase Order

OPTIONAL

OPTIONAL

Identifies the transaction.
Transaction amounts

REQUIRED

REQUIRED

Total amount and currency of the transaction. Include the subtotal, currency and any applicable taxes.
Authorisation code

REQUIRED

REQUIRED

Authorisation code provided by the issuer.
Card brand

REQUIRED

REQUIRED

Type of card used. For example, VISA, MASTERCARD, AMEX, etc.
PAN

REQUIRED

REQUIRED

Card number or Primary Account Number (PAN). Mask the number so only the last four digits are shown.
Register Number

RECOMMENDED

RECOMMENDED

Unique Identifier for the cash register.
Transaction ID

RECOMMENDED

RECOMMENDED

Unique identifier for the transaction.
Entry Mode

OPTIONAL

OPTIONAL

Entry mode used. For example, Keyed, Swiped, NFC.
Cardholder's signature

OPTIONAL

REQUIRED

Space for the cardholder's signature.

Receipt type

REQUIRED

REQUIRED

Identifies cardholder and merchant receipt. For example, "Merchant Copy" or "Cardholder Copy". Must appear near signature.
Copy retention note

REQUIRED

OPTIONAL

Note telling the shopper to retain a copy of the receipt. For example, "IMPORTANT— retain this copy for your records."

Agreement note

OPTIONAL

OPTIONAL

Confirms that the shopper agrees to the payment. For example, "I agree to pay the above total". Must appear near signature
Refund/Return Policy

REQUIRED

RECOMMENDED

Outlines the refund or return policy of the store. Must appear near signature
Cardholder name

REQUIRED

REQUIRED

Name of the cardholder. Should appear near signature
PIN

FORBIDDEN

FORBIDDEN

PIN of the card.
Card security code/validation method

FORBIDDEN

FORBIDDEN

CVV/CVV2/CSC/CVM/CVC (card security codes/card validation methods). Security number used to to reduce the incidence of credit card fraud for card-not-present transactions.
Expiration Date

FORBIDDEN

FORBIDDEN

Date that the card expires.