Latest Posts
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TVR, TSI and IAC: The Brains Behind EMV Logic
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When I first started working on EMV transaction processing, I remember feeling completely lost looking at those cryptic acronyms such as TVR, TSI and IAC. They looked like random three-letter codes, but every time something went wrong in an EMV…
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How EMV Makes Decisions: Processing Restrictions & Terminal Action
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I’ve spent a good part of my career dealing with EMV transactions. When I first got into this space, I thought EMV was just about encrypting card data and making sure the chip was harder to copy than a magnetic…
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Cardholder Verification Explained: PIN, Signature, and More
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When I first started working on EMV transactions, one of the things that confused me the most was cardholder verification. I was so focused on getting the terminal to talk properly to the card, sending the right APDUs, and parsing…
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Reading EMV Records: How Terminals Get What They Need
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I want to share something with you today that brought me a lot of headaches when I was working on my first contactless EMV implementation. If you’re diving into EMV transactions, especially building or testing somethink like a SoftPOS or…
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What Happens When You Tap or Insert? A Look at GPO and AFL
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When I first started working with EMV transactions, I used to wonder: what really happens the moment you tap or insert your card? On the surface it looks so simple, the card is near the terminal, something blinks, and then…
About Me
Hi I’m Assi—I’m dedicated to advancing cashless payment technology and sharing insights with fellow developers and solution architects on my blog, Cashless Nomad.
I embrace a mobile lifestyle by replacing cash with digital payments, enabling seamless transactions anywhere. Going cashless keeps me connected, agile, and financially flexible—perfect for traveling light and skipping currency hassles.
Checkout my other blogs at marai.dev