Any combination of the below;
- Non EEA Issued Card which may be considered by schemes as non-secure – see clarification below:
EEA country list: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
Non-EEA: Any country not in the EEA country list above.
- Certain Card Types including (non-exhaustive) :
Commercial Cards: Visa Business, Corporate or Purchasing.
Visa Premium and Super Premium: Infinite, Infinite Privilege, Platinum, Rewards, Select, Signature, Ultra High Net Worth.
- Contactless Transactions over the contactless limit where cardholder verification is not supplied:
For low-value contactless payments below the “Contactless CVM Limit” no CVM is required — the customer can simply tap & go. Note that the Contactless CVM (Cardholder Verification Method) limit varies from country to country.
Cardholder verification is required for contactless card transactions above the CVM Limit (e.g. by online PIN using the merchant PIN pad or signature) or when the issuer of a card enforces the cardholder verification, even if the transaction amount is below the CVM limit.
Contactless transactions above the CVM limit that have no cardholder verification are non-secure transactions.