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'''Terminal verification results''' (TVR) or '''Tag '95''''<ref>{{cite book|title=EMV® Contactless Specifications for Payment Systems Book C-6 Kernel 6 Specification|year=2016|publisher=EMVCo|pages=122|url=https://www.emvco.com/wp-content/uploads/2017/05/C-6_Kernel_6_v2.6_20160512101849195.pdf}}</ref> is an [[EMV]] data object . The TVR is a series of bits set by the terminal reading an EMV card, based on logical tests (for example has the card expired). This data object is used in the terminal's decision whether to accept, decline or go on-line for a payment transaction. The format of the TVR is as follows:<ref>{{cite book|title=EMV Integrated Circuit Card Specifications for Payment Systems - Book 3: Application Specification|year=2011|publisher=EMVCo|pages=165|url=http://www.emvco.com/download_agreement.aspx?id=654}}</ref><ref>{{cite book|title=EMV Contactless Specifications for Payment Systems - Book C-2: Kernel 2 Specification|year=2020|publisher=EMVCo|pages=543|url=https://www.emvco.com/terms-of-use/?u=/wp-content/uploads/documents/C-2-Kernel-2-v2.10.pdf}}</ref>
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