I've attached the 1st and 2nd generate AC request and response. The AIP of the test card indicate that External Authentication is not required so I assume the Issuer Authentication Data should be included in second generate AC. However the card tends to answer the response with AAC in second generate and indicating that issuer authentication was failed. In our testing, the transaction approved by host (returned with an Issuer Authentication Code and Authorization Code (00 - Approved)). Our solution is online-only terminal which all the transactions shall go online and approved by host. When running the M-TIP06 Test 02, I am getting an error of Issuer Authentication Failed. I'm running the Mastercard M-TIP tests that apply to our solution, and I'm seeing some unexpected results. The cardholder then agrees to return to the store each month and present a domestic Brazilian Debit Card to make a payment according to the terms of the contract.I am just new in EMV payment industry and currently doing some EMV payment development, and hoping someone can shed some light on what I'm seeing. A Carne Bill Payment Transaction is a Brazilian transaction in which a cardholder enters into an agreement and signs a contract with the Merchant to make regular monthly payments using a domestic Brazilian Debit Card for a current purchase.Installment payments include charges for loan payments, car purchase, furniture stores, etc. Installment transactions have a defined transaction amount, billing cycle, and a total number of payments, which equal the full amount for the original agreed upon purchase. Subsequent permission must be obtained when the agreement is modified. The merchant must obtain permission to bill the cardholder in an arrangement in which a single purchase of goods/service is divided into two or more payments. An Installment Transaction is a transaction in which a cardholder allows a merchant permission to charge their card for a single purchase of goods or services on a pre-determined payment schedule. Recurring payments include charges for Utilities, membership fees, subscriptions, insurance premiums, tuition, etc. Recurring transactions have a defined billing cycle and are in effect as long as the contract between the merchant and the cardholder is in good standing. Subsequent permission must be obtained when the agreement is renewed. The merchant must obtain written permission to bill a cardholder on a recurring basis. A Recurring Transaction is a transaction in which a cardholder allows a merchant to charge their card for recurring goods or services for a mutually agreed-upon payment amount (variable or set) and for a specified length of time. This field is used to identify the type of recurring transaction that is being submitted for authorization.
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