Scheme specific transactions

Scheme specific transactions are transactions that have fundamental differences per card scheme or transactions that are specific to one card scheme.

This guide covers some basic scheme specific transactions for Mada, Mastercard and Visa.

Mada specific transactions

Transit account verification status

When a rider taps their contactless card or mobile wallet at a transit entry gate, the transit operator's payment gateway initiates an account verification request to the MADA switch to confirm the card's enrollment in the transit program.

Subsequently, MADA directs this verification request to the Issuer to assess the card's status. The Issuer then provides an approval or decline response code, indicating the card's eligibility for contactless transit payments.

This streamlined process enables transit operators to verify enrollment seamlessly before granting entry into the transit system, ensuring a swift and secure experience for riders.

You can view a sample message under Transit account verification here.

KFT purchase (transit)

The Known Fare Transaction (KFT) purchase is utilized in transit scenarios, specifically for contactless EMV payments, where the fare amount is pre-determined at the moment the rider taps their card or wallet.

Tailored for mass transit systems like buses, trains, and metro systems. The KFT purchase (transit) streamlines the experience by eliminating the need for re-authentication when settling the final amount.

This transaction seamlessly adheres to standard clearing and settlement procedures through MADA, ensuring an efficient and secure payment process for transit users.

You can view a sample message under Transit Purchase here.

MTT aggregated purchase:

The Mass Transit Transaction (MTT) aggregated purchase is employed to consolidate multiple small transit ticket purchases made by a rider into a single total purchase amount. This is essential for efficiency, avoiding the need to transmit each small fare individually.

The aggregation process occurs either after a specific time period or when a rider taps a predefined threshold number of times. The back-office system calculates the overall amount owed, considering all legs, fares, and time periods, and then submits a single aggregated purchase transaction for the total amount without including individual tap details.

This method enhances transit operators' efficiency by providing an improved bulk purchase mechanism.

You can view a sample message under Transit Purchase here.

SADAD bill payment:

The service allows the beneficiary to make payments through SADAD payments system, it is a SAMA central system for online display and payment of bills, government service fees, fines, violations, water and electricity bills and other payments in Saudi Arabia.

Extension pre-authorization

Specific to Mada, the extension pre-authorization scenario involves extending the validity of a pre-authorization.

This is commonly seen in industries like hospitality, where guests may need to extend their stay, requiring the preauthorization to cover an extended period.

You can view a sample message under Preauthorization, excessive void and preauthorization extension here.

Void transactions

Void transactions in the context of Mada refer to canceling an authorized transaction before it is captured or settled.

Voids are typically used to undo a transaction that was authorized but should not be completed, providing a way to prevent the actual funds from being transferred.

You can view void sample messages here.

Mastercard specific transactions

MoneySend

Mastercard MoneySend is a peer-to-peer money transfer service that enables users to send and receive funds quickly and securely. This service is designed to facilitate person-to-person payments, allowing individuals to transfer money to friends, family, or acquaintances through their Mastercard account.

MoneySend leverages the convenience of digital platforms, including mobile devices and online banking, to offer users a seamless way to send and receive funds. Users typically initiate a MoneySend transaction by providing the recipient's Mastercard account details, and the funds are transferred electronically.

This service enhances financial flexibility and convenience, providing an efficient solution for individuals looking to make secure and rapid money transfers within the Mastercard network.

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MoneySend transactions are also reported on as part of Mastercard’s QMR. You can learn more on our QMR report here.

MoneySend Merchant Category Code's (MCC’s):

MoneySend transactions typically use one of the three MCC’s listed below:

• 6537 = MoneySend Intra-country
• 6538 = MoneySend Inter-country
• 6540 = MoneySend funding transaction

You can view a sample MoneySend transaction here.

Mastercard QR payments

Mastercard QR payments is a contactless payment solution that allows cardholders to pay using Mastercard cards or mobile wallets by scanning a QR code provided by the merchant.

Mastercard QR Payments utilize Quick Response (QR) codes for seamless and contactless transactions. In this payment method, merchants generate a QR code containing transaction details, such as the payment amount and recipient information. Customers scan this QR code with their smartphones, triggering the payment app to authorize and confirm the transaction, transferring funds securely.

Mastercard QR Payments offer a convenient, contactless alternative to traditional card payments and are designed to be interoperable across various platforms. Security measures include encryption of transaction details within the QR code and user authentication.

While widely adopted globally, the availability of Mastercard QR Payments may vary based on regional partnerships with financial institutions and merchants.

Visa

Visa Token Service (VTS)

VTS, or VISA Token Service, is a security technology introduced by Visa to enhance the safety of digital payments, particularly in platforms like Apple Pay and Google Pay. Employing tokenization, VTS replaces sensitive cardholder information with a unique digital token, ensuring that actual card details are not exposed during transactions conducted through these digital wallets.

This advanced security measure significantly mitigates the risk of fraud and unauthorized access, fostering trust among users engaging in digital and mobile payments. By seamlessly integrating with popular digital payment platforms, including Apple Pay and Google Pay, VTS not only enhances security but also contributes to the convenience and widespread adoption of secure electronic transactions across various devices and platforms.