Re:Apple Pay on pace to account for 10% of global card trans...
by tzs on Tuesday February 11, 2020 @08:50PM
(#22304997)
> I've definitely had the last 4 digits printed out on a receipt. While it is conceivable that those were transmitted separately I find that somewhat unlikely.
I noticed this too. Some merchants print the last four of the device account number (DAN) and some print the last four of the actual primary account number (PAN).
I asked about it on /r/ApplePay [1]. /u/martialplum provided this explanation:
> Although the card number sent to the reader from in the transaction is the device account number, this gets de-tokenized along the way to your bank (either by the payment network or some third party) and the actual card number is the one used for authorization. Some issuers use the actual card number in the response they send back to the merchant (data element 2 in ISO 8583). Depending on how the card reader formats the receipt, it's not uncommon for merchant copies of the receipt to show the full device account number (expected), but show the last 4 of the actual card number for convenience when someone shows them the card on their device, which will show the same numbers.
The "ISO 8583" text in that was a link to this [2].
I noticed this too. Some merchants print the last four of the device account number (DAN) and some print the last four of the actual primary account number (PAN).
I asked about it on /r/ApplePay [1]. /u/martialplum provided this explanation:
> Although the card number sent to the reader from in the transaction is the device account number, this gets de-tokenized along the way to your bank (either by the payment network or some third party) and the actual card number is the one used for authorization. Some issuers use the actual card number in the response they send back to the merchant (data element 2 in ISO 8583). Depending on how the card reader formats the receipt, it's not uncommon for merchant copies of the receipt to show the full device account number (expected), but show the last 4 of the actual card number for convenience when someone shows them the card on their device, which will show the same numbers.
The "ISO 8583" text in that was a link to this [2].
[1] https://www.reddit.com/r/ApplePay/comments/bnedl7/receipts_a...
[2] https://en.wikipedia.org/wiki/ISO_8583#Data_elements