Offline combined DDA with application cyptogram (CDA) card authentication is a protocol for verifying that an EMV card is legitimate.

Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration.

In CDA, the card generates a dynamic signature and an application cryptogram together.

CDA is the fastest and most secure offline card authentication protocol. Some payment brands mandate the use of CDA to authenticate certain transactions.

Interested in EMV compliance?

Host Merchant Services offers EMV solutions for business owners. If you’re interested in getting a head start on the rest of the U.S. market, contact an HMS sales representative today and ask about our EMV-compliant equipment and processing options.

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