Mastercard PayPass

PayPass is a Mastercard Global Contactless payment Brand.

PayPass must be implemented using approved Chip Applicaitons, for example :
  - PayPass - M/Chip 4
  - PayPass - M/Chip Flex
  - M/Chip Advance
  - Mobile Mastercard PayPass - M/Chip 4
PayPass - M/Chip 4
- Extension of the M/Chip 4 Contact-only applicaiton for implementation on a Dual Interface Card.
- Offline Counters shared between contact and the contactless Interfaces.
PayPass - M/Chip Flex
- Supports Different "Contact" Co-Applications
- Dedicated Contactless Offline Limits, not shared between contact and contactless Applications.
M/Chip Advance
- More counters for Risk Management
- Torn Transaction Recovery Mechanism.
- Support for Transit, Loyalty and Voucher Schemes with Data Storage.
Mobile Mastercard PayPass - M/Chip 4
- Application Optimized for Mobile Devices
- Lost and Stolen Protection
- On Device PIN and Acknowledgement
- PIN Control and PIN Management
PayPass Modes of Operation : M/Chip and Magstripe
- PayPass Mag Stripe
   - 100% online
   - Host based credit Control
   - Dynamic CVC3 for counterfeit Protection 
- PayPass M/Chip
   - Configurable Offline/Online
   - Host/Chip based credit Control
   - EMV Application Cryptogram and Offline Authentication for counterfeit Protection  
PayPass Product Rules

Mastercard Types	Mastercard	Maestro	Cirrus
PayPass M/Chip	YES	YES	NO
PayPass MagStripe	YES	NO	NO