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SPA AAV Calculator

Calculate Mastercard SecureCode Accountholder Authentication Value (UCAF) — 3D Secure / Identity Check

🔐 Transaction Data

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📖 About This Tool

What is the SPA AAV Calculator?

The SPA AAV Calculator computes Secure Payment Application Accountholder Authentication Values for Mastercard 3D Secure transactions using HMAC-SHA1.

🛠️ How to Use
  1. Enter the required input fields.
  2. Click Calculate to generate the AAV.
❓ FAQ

What is SPA?

SPA (Secure Payment Application) is Mastercard's implementation framework for computing AAV values used in SecureCode authentication, combining transaction data with a shared secret to produce the authentication cryptogram.