Token flags

Token flags are a way of managing individual card behaviours without requiring a change to the overall card product or affecting other cards issued on the platform. These settings are verified for each incoming authorization request prior to the Rules Engine validations.

For example, you can configure token flags to control the following card behaviours:

Set card to decline failover to magstripe at EMV-capable ATMs
Set card to decline all ATM cash withdrawals
Set card to decline non-base currency (FX Transactions)
Set card to decline mag-stripe transactions at ATMs

Product-level VS card-level flags

Token flags can be configured at product or card level.

At product level: Any flags selected at product level automatically apply to all cards issued under that particular product. The system can also force any changes in the configuration to apply to all existing cards as well. It is possible to turn a token flag off at card level, despite the product-level flag being active.
At card level: Amend a specific token flag, which only applies to that particular card.

How can I manage token flags?

Token flags can be managed in two ways:

ViaPayControl in the View/Edit card details section;
Or by using the Edit card's tok flags endpoint.

Available token flags

You can use the table below to understand what token flags are available and their intended purpose:

Position	Details	Purpose
3	Send card balance in DE54 in next authorization	After every transaction, send card balance to the scheme, to allow for balance to be displayed i.e. for ATM transactions.
4	Send PIN unblock to card	Should the maximum number of PIN retries be exceeded, then enable PIN unblocking on chip.
5	Sets card to decline all transactions except eCommerce	Only allow eCommerce transactions (including MDES and VTS transactions).
6	Set card to decline all contactless transactions	Sets card to decline all contactless transactions.
9	Sets card to decline all eCommerce	Decline all eCommerce transactions (including MDES and VTS transactions).
10	Sets card to decline all ATM cash	Decline all ATM cash withdrawal transactions.
11	Sets card to decline balance enquiry over authorization	Do not allow any balance enquiry transactions.
12	Sets card to decline cash back transactions	In the case of POS transactions, the cash disbursement of a portion of the transaction amount is not allowed. The merchant cannot give cash to cardholder as part of the transaction.
14	Sets card to decline auth credit pur/refund (DE3_1=20)	No transactions are allowed that will credit the card balance, including refunds to the card.
19	Sets card to decline credit payment (DE3_1=28)	No payments allowed, only POS and eCommerce transactions i.e. no MC MoneySend, credit card installments etc.
20	Sets card to decline non-base currency transactions	Only transactions in the base currency are allowed, decline any transaction in a non-base currency.
21	Sets card to decline all account enquiries (DE61_7=8)	No account verification requests should be allowed.
22	Sets card to decline Card Not Present	Where the card information is provided but neither the cardholder or the card are physically present (i.e. mail-order), decline the transaction.
23	Sets card to decline cardholder not present transactions (excluding recurring and eCommerce)	Where the card information is provided but neither the cardholder or the card are physically present (i.e. mail-order and excluding recurring and eCommerce), decline the transaction.
24	Sets card to decline failover to magstripe at EMV capable ATM	ATM fallback - where a chip card is used at a chip capable ATM, do not allow fallback to magnetic stripe.
25	Sets card to decline magstripe at ATM	ATM fallback - where a chip card is used at an ATM (chip capable or not), do not allow fallback to magnetic stripe.
26	Allow if fallback chip->mag at chip capable POS (DE22_1=80)	POS fallback - where a chip card is used at a chip capable POS , allow fallback to magnetic stripe.
27	Allow if DE22_1=02 and DE48_88=Y	POS fallback - when the magnetic stripe is used for a transaction, only allow the transaction if the entire track can be read i.e. if only PAN is sent, then decline the transaction.
28	Sets card to approve if AVS match fails	Even if the Address Verification Service (AVS) fails, approve the transaction.
29	Set card to decline recurring transaction	Do not allow subscription transactions, decline recurring transactions.
30	Sets card to approve if PIN is absent on PIN entry mode where PIN pad is present	Bypass PIN entry required, PIN pad is present but PIN was not entered.