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ExternalReturnReason1Code

EMVL Reason Code: EMV Liability Shift

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EMVL means emv liability shift in the ISO 20022 return reason code set. The card payment is fraudulent and was not processed with EMV technology for an EMV card.

Code
EMVL
ISO name
EMVLiabilityShift
Status
Registered
Last updated
2012-02-09

Official definition

The card payment is fraudulent and was not processed with EMV technology for an EMV card.

Definition from the ISO 20022 External Code Sets, 2Q2026 (published 28 Aug 2026).

Messages and fields that use ExternalReturnReason1Code

MessageElement path
pacs.004TxInf/RtrRsnInf/Rsn/Cd, OrgnlGrpInf/RtrRsnInf/Rsn/Cd
camt.053Stmt/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
camt.054Ntfctn/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
camt.052Rpt/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
trck.001TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd
trck.002TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd
trck.004TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd

EMVL questions

What does EMVL mean in ISO 20022?
EMVL is EMV Liability Shift in the ExternalReturnReason1Code code set: The card payment is fraudulent and was not processed with EMV technology for an EMV card.
Where does EMVL appear in a message?
For example in pacs.004, element TxInf/RtrRsnInf/Rsn/Cd.

All ExternalReturnReason1Code codes · ISO 20022 code sets

The ISO 20022 code names and definitions on this page are reproduced from material published at iso20022.org under the ISO 20022 Intellectual Property Rights policy. This is not the official source: the up-to-date ISO 20022 standards and repository material are published only at iso20022.org. Explanations in our own words are by ZagTrader. ZagTrader is not affiliated with or endorsed by ISO or Swift.