EMV TVR Decoder (Tag 95)
Decode the 5-byte Terminal Verification Results to see why a chip transaction went online or declined.
Tool inputs stay in your browser · optional AI search sends your query
Good to know: Each set bit is one check the terminal flagged during the chip transaction.
How to use it (step by step)
- 1Fill in the boxes: “TVR (10 hex characters)”. Example numbers are already there so you can see how it works; replace them with yours.
- 2The result updates instantly as you type (on a phone it is below the boxes).
- 3The bold line is the main answer. Tap Copy next to any value to copy it.
Words to know
- Decline code
- A short reason the bank gives when it refuses a payment, like “insufficient_funds” (not enough money).
- EMV / chip data
- The information inside a card’s chip and what the card machine checks when you insert or tap it.
- Byte
- The basic unit of computer storage. One basic letter = 1 byte in UTF-8; ñ = 2 bytes; most emoji = 4 bytes.
- Hex / binary
- Other ways of writing numbers. Binary uses only 0 and 1; hex uses 0–9 and A–F.
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