Abbreviations Abbeviations Descriptions API Application Programming Interface CDCVM Consumer Device Cardholder Verification Method CVM Cardholder Verification Method FCM Firebase Cloud Messaging HCE Host Card Emulation HVT High Value Transaction IBAN Bank Account Number JWE Json Web Encryption JWT Json Web Token LVT Low Value Transaction MCBP MasterCard Cloud Base Payment MDES MasterCard Digital Enablement Service MPA Mobile Payment Application NFC Near Field Communication PAN Primary Account Number PbA Pay by Account PIN Personal Identification Number POS Point of Sale RNS Remote Notification Service SaaS Software as a Service SDK Software Development Kit SUK Single Use Key TAV Tokenization Authentication Value TVC Token Verification Code VCP/UCP Verestro Cloud Payments/(Formerly uPaid Cloud Payments) VPN Virtual Private Network UCAF Universal Cardholder Authentication Field