Customer Interface Specification

Customer InterfaceSpecification

10 September 2010

Notices

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This material may not be duplicated, published, or disclosed, in whole orin part, without the prior written permission of MasterCard.

Trademarks Trademark notices and symbols used in this document reflect theregistration status of MasterCard trademarks in the United States. Pleaseconsult with the Customer Operations Services team or the MasterCardLaw Department for registration status of particular product, program, orservice names outside the United States.

All third-party product and service names are trademarks or registeredtrademarks of their respective owners.

Billing For printed documents, MasterCard will bill principal members. Pleaserefer to the appropriate MasterCard Consolidated Billing System (MCBS)document for billing-related information.

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Translation A translation of any MasterCard manual, bulletin, release, or otherMasterCard document into a language other than English is intendedsolely as a convenience to MasterCard customers. MasterCard providesany translated document to its customers AS IS and makes norepresentations or warranties of any kind with respect to the translateddocument, including, but not limited to, its accuracy or reliability. Inno event shall MasterCard be liable for any damages resulting from acustomer's reliance on any translated document. The English versionof any MasterCard document will take precedence over any translatedversion in any legal proceeding.

Publication Code CI

19972010 MasterCard10 September 2010 Customer Interface Specification
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Summary of Changes, 10 September 2010

This document reflects changes associated with Authorization and Clearing Release 10.2 andout-of-release updates.

To locate these changes online, on the Adobe toolbar, click Find. In the Find box, type *chg*, andthen press ENTER. To move to the next change, press ENTER again.

Description of Change Where to Look

As announced in Global Operations Bulletin No. 9, 1 September 2010,MasterCard will change the terms for the global network and the processingMasterCard provides.

When Banknet telecommunications Network refers to the connection toMasterCard, then Banknet will be changed:

From: Banknet telecommunications Network

To: MasterCard Worldwide Network

When Banknet refers to processing credit transactions using (AuthorizationRequest/0100 messages), then Banknet and Authorization System processingwill be changed:

From: Banknet

To: Dual Message System

Throughout (unmarked)

Chapter 1, Overview

Added DE 120 (Record Data) to the list of examples of some data elementsthat may contain standard or extended text characters.

Character Sets

Chapter 2, Message Definitions and Flows

Updated the illustration and stages for the Authorization Request/0100ChipPIN Management message flow as follows:

Removed the Old PIN and New PIN boxes from the illustration andreplaced with generic PIN Processing box

Removed the reference to a zero amount in stage 2 of the process flow

Clarified in stage 5 that if the issuer approves the PIN change or PINunblock request, the issuer must insert the corresponding script inDE 55 (Integrated Circuit Card [ICC] System-Related Data)

AuthorizationRequest/0100Chip PINManagement

19972010 MasterCardCustomer Interface Specification 10 September 2010 1


Removed the Old PIN and New PIN boxes from the illustration and replacedwith a generic PIN Processing box for the following message flows:

Authorization Request/0100Chip PIN Management (Failure toTransmit/Apply Script to Chip Card)

Authorization Request/0100Chip PIN Management (Issuer NetworkFailure-Unable to Connect)

Authorization Request/0100Chip PIN Management (Issuer NetworkFailure, No Response from Issuer)

Authorization Request/0100Chip PIN Management (Acquirer NetworkFailure-Unable to Connect)

Authorization Request/0100Chip PIN Management (Acquirer NetworkFailure-Unable to Connect with Acquirer)

AuthorizationRequest/0100Chip PINManagement (Failure toTransmit/Apply Script toChip Card)

AuthorizationRequest/0100ChipPIN Management (IssuerNetwork Failure-Unable toConnect)

AuthorizationRequest/0100ChipPIN Management (IssuerNetwork Failure, NoResponse from Issuer)

AuthorizationRequest/0100Chip PINManagement (AcquirerNetwork Failure-Unable toConnect)

AuthorizationRequest/0100Chip PINManagement (AcquirerNetwork Failure-Unable toConnect with Acquirer)

Added the following note to the AuthorizationAdvice/0120Acquirer-generated, Issuer Unavailable message.

Members in the Europe region that route to an alternate issuer host foralternate processing instead of the Stand-In System will still receive anAuthorization Advice/0120Acquirer-generated as described here. Alternateissuer host processing does not send Reversal Request/0400 or AuthorizationAdvice/0120 messages to the alternate host.

AuthorizationAdvice/0120Acquirer-generated,Issuer Unavailable

Added the following note to the Authorization Response NegativeAcknowledgement/0190 (Responding to the Reversal RequestResponse/0410) message.

Members in the Europe region that route to an alternate issuer host foralternate processing instead of the Stand-In System will still receive anReversal Advice/0420Acquirer-generated as described here. Alternateissuer host processing does not send Reversal Request/0400 or AuthorizationAdvice/0120 messages to the alternate host.

AuthorizationResponse NegativeAcknowledgement/0190(Responding to the ReversalRequest Response/0410)

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2 10 September 2010 Customer Interface Specification


Chapter 3, Message Layouts

Updated the Authorization Advice/0120Acquired-generated messagelayout as follows:

Changed DE 39 (Response Code), comments in the to state, Mustbe either the same value as in the original Authorization RequestResponse/0110 or a value provided by the acquirer if the acquirer ormerchant processed and approved the transaction.

Changed DE 48 (Additional Data), comments:

From: Must be the same value as in the original AuthorizationRequest Response/0100.

To: Contains applicable subelement data

Removed DE 60 (Advice Reason Code) note pertaining to Maestroacquirers.

AuthorizationAdvice/0120Acquirer-generated

Changed DE 48, comments in the AuthorizationAdvice/0120Issuer-generated message:

From: Must be the same value as in the original Authorization RequestResponse/0110.

To: Contains applicable subelement data.

AuthorizationAdvice/0120Issuer-generated

Changed DE 48, comments in the AuthorizationAdvice/0120System-generated message:

From: Must be the same value as in the original Authorization RequestResponse/0110.

To: Contains applicable subelement data.

AuthorizationAdvice/0120System-generated

Added the following to the Reversal Request/0400 message, DE 48(Additional DataPrivate Use) comments.

Subelement 58 (ATM Additional Data) and subelement 77 (PaymentTransaction Type Indicator) may be present based on the usage conditiondefined for each of these subelements in the Data Element Definitions.

Reversal Request/0400

Removed from the Reversal Request/0400 message layout comments, DE48, subelement 95 (MasterCard Promotion Code).


Changed the System (Sys) designator from Mandatory (M) to MandatoryEcho (ME) for the following data elements in the Network ManagementRequest Response/0810PEK Exchange message:

DE 2 (Primary Account Number [PAN])

DE 7 (Transmission Date and Time)

DE 11 (Systems Trace Audit Number [STAN])

DE 33 (Forwarding Institution ID Code)

DE 48 (Additional Data)

DE 63 (Network Data)

NetworkManagement RequestResponse/0810PEKExchange



DE 70 (Network Management Information Code)

Chapter 4, Data Element Definitions

Added value 01 (Withdrawal) to the list of possible values for AuthorizationAdvice/0120Acquirer-generated messages containing DE 3 (ProcessingCode), subfield 1 (Cardholder Transaction Type Code).

DE 3Processing Code

Added to DE 3, subfield 1 (Cardholder Account Debits), a check mark forvalue 00 (Purchase) to indicate that value 00 is valid for the CI program.

Subfield 1CardholderTransaction Type Code

Added to DE 3, subfield 2 (Cardholder From Account Type Code), value20, (Checking Account), as being applicable to the VI program.

Subfield 2Cardholder"From Account" Type Code

Added to DE 3, subfield 2 (Cardholder From Account Type Code), value30, (Credit Card Account), as being applicable to the programs MS and CI.

Subfield 2Cardholder"From Account" Type Code

Renamed the following section:

From: MasterCard Electronic Card Transactions

To: MasterCard Electronic Card Electronic Commerce Transactions

MasterCard ElectronicCommerce Transactions

Updated the list of valid Account Category Codes supported in DE 38(Authorization ID Response).

DE 38Authorization IDResponse

Removed the following statement from DE 38, Application Notes.

DE 38 also may be (but not required to be) provided in declinedAuthorization Request Response/0110 messages.


Clarified the following DE 38, Application Note for UK Domestic Maestro.

From: For approved or referred responses, DE 38 should beprovided (containing the 4-digit Authorization/referral Code, numericonly, left-justified and filled with spaces) in Authorization RequestResponse/0110 messages when DE 39 (Response Code) contains thevalue 01 (Refer to card issuer).

To: DE 38 should be provided in Authorization Request Response/0110message for approved or referred responses. DE 38 should containthe 4-digit Authorization/referral Code, numeric only, left-justified andfilled with spaces.


Updated the values 57 and 58 for the valid Administrative RequestResponse/0610 Response codes for DE 39 (Response Code) as beingapplicable to the NP program.

Administrative RequestResponse/0610 ResponseCodes

Added indicator for DE 48 (Additional DataPrivate Use), TCC, value U(Unique) to indicate that value U is now valid for Cirrus transactions.

DE 48 Transaction CategoryCode

Changed DE 48, subelement 75 (Fraud Scoring Data), Attributes

Data Representation

From: an...7 LLVAR

To: an...32 LLVAR

List of DE 48 Subelements

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Clarified that participating merchants must submit the MasterCard assignedmerchant ID for e-commerce transactions that are processed under both theMaestro Advance Registration Program and the MasterCard AdvanceRegistration Program.

Subelement32MasterCard AssignedID

Updated the application notes for DE 48, subelement 33 (PAN MappingFile Information) to remove references to the MasterCard online checkoutservice.

Subelement 33PANMapping File Information

Updated the list of valid values for DE 48, subelement 38 (AccountCategory), which supports Account Level Management.

Subelement 38AccountCategory

Changed DE 48, subelement 42 (Electronic Commerce Indicators), subfield1 (Electronic Commerce Security Level Indicator and UCAF CollectionIndicator), position 2 (Cardholder Authentication), value 2 as follows:

From: Electronic Commerce Service Indicator

To: Reserved for future use

Subfield 1ElectronicCommerce Security LevelIndicator and UCAFCollection Indicator

Renamed DE 48, subelement 43 to Static AAV for Maestro or MasterCardAdvance Registration Program

Changed DE 48, subelement 43 as follows:

From: Position 1 = The value 3, indicating a transaction processedunder the Maestro Advance Registration Program.

To: Position 1 equals one of the following values:

3 = Transaction processed under the Maestro Advance RegistrationProgram

4 = Transaction processed under the MasterCard AdvanceRegistration Program

5 = Transaction processed under both the Maestro AdvanceRegistration Program and the MasterCard Advance RegistrationProgram

Added new edit for DE 48, subelement 43.

Subelement 43Static AAVfor Maestro or MasterCardAdvance RegistrationProgram

Removed all references to the MasterCard online checkout service, including:

Removal of DE 48, subelement 43 (MasterCard Online CheckoutService)This change is not indicated with an update bar

Removal of the MasterCard online checkout service as it relates tothe list of valid values for DE 60, subfield 1 (Advice Reason Code) inAuthorization Advice/0120 messages

Removal of the MasterCard online checkout service as it relates to thelist of valid values for DE 60, subfield 2 (Advice Detail Code) for theinControl Service

Modification of the application notes for DE 121 (Authorizing AgentID Code)

DE 60, Subfield 1 Values, inAuthorization Advice/0120

DE 60, Subfield 2 Values,in MasterCard inControlService

DE 121Authorizing AgentID Code



Removed value 21 (Electronic Commerce Mapping Service) from the listof valid values for DE 48, subelement 71 (On-behalf Services), subfield 1(On-behalf [OB] Service). This change is not indicated with an update bar.

Subfield 1On-behalf(OB) Service

Valid Subfield 1 andSubfield 2 ValueCombinations

Changed DE 48, subelement 71, subfield 2 (On-behalf [OB] Result 1), value C

From: C = Conversion of the M/Chip transaction to a magnetic stripetransaction was completed.

To: C = Conversion of the M/Chip transaction to a magnetic stripetransaction was completed from an original POS PAN Entry Mode valueof 05 [PAN auto-entry via chip] or 79 [Chip card/PAN entry via manualentry]

Added DE 48, subelement 71, subfield 2, values:

M = Conversion of the M/Chip fallback transaction to a magnetic stripetransaction was completed from an original POS PAN Entry Mode valueof 80PAN auto-entry with magnetic stripe

S = Conversion of the M/Chip transaction to a magnetic stripetransaction was completed from an original POS PAN Entry Mode valueof 07PAN auto-entry via contactless M/Chip

Subfield 2On-behalfResult 1

Removed DE 48, subelement 71, subfield 2, value N (inControl TransactionFrequency Limit). This change is not indicated with an update bar.

Subfield 2On-behalfResult 1

Changed DE 48, subelement 71, Valid Subfield 1 and Subfield 2 ValueCombinations

If: Subfield 1 contains the value 01

Then: Subfield 2 may contain the value C, M, or S


Removed DE 48, subelement 71, Valid Subfield 1 and Subfield 2 ValueCombinations, value 17, subfield 2, value N. This change is not indicatedwith an update bar.


Removed DE 48, subelement 71, Valid Subfield 1 and Subfield 2 ValueCombinations, value 20, subfield 2, value N. This change is not indicatedwith an update bar.


Added DE 48, subelement 71, Valid Subfield 1 and Subfield 2 ValueCombinations, value 20, subfield 2 values D and H


19972010 MasterCard



Changed DE 48, subelement 75 (Fraud Scoring Data), Attributes

Data Representation

From: an...7 LLVAR

To: an...32 LLVAR

Data Field

From: Contents of subfield 1

To: Contents of subfields 12

Subfields

From: 1

To: 2

List of DE 48 Subelements

Subelement 75FraudScoring Data

Changed DE 48, subelement 75, subfield 1 (Fraud Score), attributes

From: Contents of positions 13

To: Contents of subfield 1

Subfield 1Fraud Score

Added DE 48, subelement 75, subfield 2 (Score Reason Code). Subfield 2Score ReasonCode

Clarified DE 48, subelement 94 (Commercial Card Inquiry Request [VisaOnly]),

Positions 13 (Card Request Indicator), values

From: !01 = Commercial Card Inquiry

To: !01 (where 0 is zero) = Commercial Card Inquiry

Position 4 (Merchant Request for Commercial Card Type), values

From: 0 = Request Indicator

To: 0 (where 0 is zero) = Commercial Card Inquiry

Subelement94Commercial CardInquiry Request (VisaOnly)

Clarified DE 48, subelement 94 (Commercial Card Inquiry Response [VisaOnly]),

Positions 13 (Card Request Indicator), values

From: !01 = Commercial Card Inquiry

To: !01 (where 0 is zero) = Commercial Card Inquiry

Position 4 (Visa Commercial Card Response), values

From: O= Decline or not a Commercial Card

To: 0 (where 0 is zero) = Not a Commercial Card

Removed Position 4, value N = No inquiry response

Subelement94Commercial CardInquiry Response (VisaOnly)

Added Authorization System edits for DE 48, subelement 43 (Static AAV forMaestro or MasterCard Advance Registration Program).

DE 48, Subelement 43(Static AAV for Maestroor MasterCard AdvanceRegistration Program)



Added to DE 54 (Additional Amounts), Application Notes, a new section forCash Back without Purchase in India transactions.

DE 54AdditionalAmounts

Added to

Removed DE 60, subfield 2, value 0074 (Reject: Transaction FrequencyLimits) from the list of valid values for the inControl Service. This change isnot indicated with an update bar.

DE 60, Subfield 2 Values,in MasterCard inControlService

Updated the description for DE 63 (Network Data), subfield 1 (FinancialNetwork Code)

Subfield 1FinancialNetwork Code

Changed DE 63, subfield 1 as follows:

From: MBD = Deferred Debit MasterCard BusinessCard Card

To: MBD = MasterCard Professional Debit Business Card

Removed the following product codes from DE 63, subfield 1:

MCX (MasterCard Credit Flex Benefit)

MNY (Money Station)

These changes are not indicated with an update bar.

Subfield 1FinancialNetwork Code

Updated the application notes for DE 120 (Record Data), subfield 01 (AVSService Indicator 1)

Subfield 01AVS ServiceIndicator 1

Updated description of Field 2 (Account Category), value B in the IssuerFile Update Request/0302 and Issuer File Update Request Response/0312messages.

MCC107Enhanced ValueFile

MCC108ProductGraduation File

Clarified definition of DE 120 (Record Layout), subfield 01 (AVS ServiceIndicator 1) to specify that some merchants or acquirers are currently limitedto supporting only numeric data.

Subfield 01AVS ServiceIndicator 1

Reconstructed DE 124 (Member-defined Data) into separate topics:

DE 124 (Member-defined DataGeneral Use)

DE 124 (Member-defined DataMasterCard MoneySend Only)

DE 124 (Member-defined DataBrazil Maestro Only)

DE 124Member-definedData (General Use)

DE 124Member-definedData (MoneySend Only)

DE 124Member-definedData (Brazil Maestro Only)

Updated the application notes for DE 124 (Member-define DataGeneralUse) and DE 124 (Member-defined DataMasterCard MoneySend Only).

DE 124Member-definedData (General Use)

DE 124Member-definedData (MoneySend Only)

Added to DE 124, new subfield 2 and subfield 3 application notes. Subfield2Sender/Payer/UserID

Subfield 3Sender/PayerAddress

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Chapter 5, Programs and Service Requirements

Changed the Permitted Transactions by Card Program list for Retail sectionas follows:

Changed section heading:

From: Retail

To: Purchase of Goods and Services

Changed all instances of the Transaction Type in the Transaction Typecolumn:

From: Merchant Retail

To: Purchase

Added to the Permitted Transactions by Card Program list for POS BalanceInquiry an X to indicate POS Balance Inquiry is valid in the PVL (PrivateLabel) card program for POS Balance Inquiry 6.36.7.

Permitted Transactions byCard Program

Changed the Value Constraints by Transaction Type for Retail section asfollows:

Changed section heading:

From: Retail

To: Purchase of Goods and Services

Changed all instances of the Transaction Type in the Transaction Type,PAN Entry Mode, and Cardholder Verification Method column:

From: Merchant Retail

To: Purchase

Added Ref # 3.7 (Purchase, Chip, No CVM) and #3.10 (CAT Level 1,Chip Offline PIN) to the list of Value Constraints by Transaction Type.Renumbered the existing reference numbers accordingly as this list wasout of sync with the corresponding entries in the Permitted Transactionsby Card Program list.

Value Constraints byTransaction Type

Updated list of the data elements and values applicable to AuthorizationAdvice/0120Acquirer-generated (Automated Fuel Dispenser Completion)messages.

Updated the note for Authorization Advice/0120Acquirer-generated(Automated Fuel Dispenser Completion) messages

AuthorizationAdvice/0120Acquirer-generated(Automated Fuel DispenserCompletion)

Updated the descriptions of the authorization services for Account LevelManagement.

Account Level Management



Renamed the following topic:

From: MasterCard Enhanced Value and MasterCard Product Graduationin Authorization Processing

To: Enhanced Value and Product Graduation in Dual Message SystemProcessing

Modified the content of the Enhanced Value and Product Graduation inDual Message System Processing topic.

Enhanced Value andProduct Graduation in DualMessage System Processing

Added Authorization System edits that will be performed on theAuthorization Request Response/0110 message for Account LevelManagement.

Enhanced Value andProduct Graduation in DualMessage System Processing

Added new topic that describes Dual Message System Processing forMasterCard High Value. This topic replaces the existing description ofHigh Value.

Removed the topic, Recognition of MasterCard High Value in AuthorizationProcessing. This change is not indicated with an update bar.

Updated the scenarios in the table that describes the account categorycodes sent in the authorization request and authorization request responsemessage for accounts participating in High Value.

High Value in Dual MessageSystem Processing

Corrected the Values/Comments for DE 45 (Track 1 Data) in theAuthorization Request/0100ATM Balance Inquiry message layout. Thiscomment was incorrectly placed in DE 43 (Card Acceptor Name andLocation).

AuthorizationRequest/0100ATMBalance Inquiry

Removed the list of values in the Values/Comments for DE 54 (AdditionalAmounts), subfield 1 (Account Type) in the Authorization RequestResponse/0110ATM Balance Inquiry message layout.

Authorization RequestResponse/0110ATMBalance Inquiry

Moved the following note from the Authorization RequestResponse/0110ATM Balance Inquiry message, subfield 3 to subfield 2.

Issuers in the United Kingdom may provide the ledger balance (01) inaddition to the available balance (02) for intracountry ATM balance inquiryneeds.

Authorization RequestResponse/0110ATMBalance Inquiry

Added new edit to Card Validation Code 2, Authorization Request/0100CVC2 Verified.

AuthorizationRequest/0100CVC 2Verified

Removed DE 32 (Acquiring Institution ID) from the list of applicable dataelements for Authorization Request/0100CVC 2 messages. This change isnot indicated with an update bar.

Corrected the value name of DE 48, subelement 87 as follows:

From: Card Authentication Method Validation Code (CVC 1 and CVC 2)

To: Card Validation Code Result

AuthorizationRequest/0100CVC 2

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Corrected the value name of DE 48, subelement 87 in the AuthorizationRequest Response/0110CVC 2 message layout as follows:

From: Card Authentication Method Validation Code


Authorization RequestResponse/0110CVC 2

Corrected the value name of DE 48, subelement 87 in the CVC 2 DE 48Structure diagram as follows:

From: Card Authentication Method Validation Code


CVC 2 DE 48 Structure

Updated the Static AAV and the Maestro Advance Registration Program topicto include the MasterCard Advance Registration Program.

Static AAV and the Maestroand MasterCard AdvanceRegistration Programs

Added the following subfield values to DE 48, subelement 75 (Fraud ScoringData) in the Authorization Request/0100Fraud Scoring message layout:

Subfield 1 (Fraud Score Data)

Subfield 2 (Score Reason Code)

AuthorizationRequest/0100FraudScoring

Updated the stages of the Funding Transaction at the ATM. Funding Transactions at theATM

Added the Gaming Payment Transactions topic. Gaming PaymentTransactions

Clarified that while only DE subfield 1, value 191 (Acquirer Processing System[APS] completed) is mandatory in Authorization Advice/0120MaestroPre-Authorization Completion messages, issuers must also be prepared toreceive value 190 (Acquirer Processing System [APS] approved).

AuthorizationAdvice/0120MaestroPre-AuthorizationCompletion

Updated the list of data elements used to match the original AuthorizationRequest/0100 with the Authorization Advice/0120 message for MaestroPre-Authorization Completion transactions.

AuthorizationAdvice/0120MaestroPre-AuthorizationCompletion

Corrected the value name of DE 48, subelement 87 in the AuthorizationRequest Response/0110Magnetic Stripe-read message layout as follows:

From: Card Authentication Method Validation Code [CVC 1 and CVC 2]


AuthorizationRequest/0100MagneticStripe-read

Clarified that the data elements applicable for the AuthorizationRequest/0100inControl Purchase Control message layout are applicablefor participating issuers only.

AuthorizationRequest/0100inControlPurchase Control

Removed all references to the MasterCard online checkout service as itpertains to the value names for the MasterCard inControl Service and theMasterCard inControl Real Card Spend Control Service.

Process of a MasterCardinControl Service EligibleTransaction

Exception Processing



Added new topic to describe the MasterCard inControl Virtual Card Mappingand Spend Control service.

MasterCard inControlVirtual Card Mapping andSpend Control Service

Clarified that the Exception Processing process is applicable to theMasterCard inControl Virtual Card Mapping and Spend Control service.

Corrected stage 1 of the Exception Processing process to specify that theacquirer sends an Authorization Request/0100 message to the MasterCardWorldwide Network containing the inControl virtual card number in DE 2(Primary Account Number [PAN]). Spend control rules are not applied toAuthorization Advice/0120Acquirer-generated and Reversal Request/0400messages.

Exception Processing

Updated the MasterCard MoneySend topic to describe MoneySend PaymentTransactions versus. MoneySend Funding Transactions.

MasterCard MoneySend

Added lists of the data elements and values applicable to MoneySendFunding Transactions to the following message types:

Authorization Request/0100


AuthorizationRequest/0100MasterCardMoneySend FundingTransactions

ReversalRequest/0400MasterCardMoneySend FundingTransaction

Added edits that the Authorization System will perform on the AuthorizationRequest/0100 and Reversal Request/0400 messages for MoneySend FundingTransactions.

Authorization System Edits

Clarified that acquirers must send DE 124, subfields 1-4 containing senderidentification data when the Authorization Request/0100 or ReversalRequest/0400 message is a MasterCard MoneySend Payment Transaction.

AuthorizationRequest/0100MasterCardMoneySend PaymentTransactions

ReversalRequest/0400MasterCardMoneySend PaymentTransaction

Added new Authorization System edits for MasterCard MoneySend PaymentTransactions.

Authorization System Edits

Updated the scenarios that describe the process that will occur when theChip to Magnetic Stripe Conversion service changes the value in DE 22(Point-of-Service [POS] Entry Mode), subfield 1 (POS Terminal PAN EntryMode) before sending the Authorization Request/0100 message to theissuer for processing.

Updated the list of data elements in the Authorization Advice/0120 messageprocessed by the Stand-In System and X-Code System for the Chip toMagnetic Stripe Conversion service as follows

Updated the value description for DE 22, subfield 2, value C

Added values M and S to the list of valid values for DE 22, subfield 2

Authorization and Stand-InProcessing

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Changed the Mobile Phone Top-up service name

From: Mobile Phone Top-up ATM Transactions

To: MasterCard Hosted Mobile Phone Top-up ATM Transactions

MasterCard Hosted MobilePhone Top-up ATMTransactions

Updated the description of Partial Approvals as follows:

From: If the acquirer has indicated that the merchant terminal supportsreceipt of partial approvals, non-Debit MasterCard card issuers canapprove a portion of the requested transaction amount by respondingwith the approved amount and a partial approval response code inthe authorization message.

From: If the acquirer has indicated that the merchant terminal supportsreceipt of partial approvals, issuers can approve a portion of therequested transaction amount by responding with the approved amountand a partial approval response code in the authorization message.

Partial Approvals

Reorganized the Chip PIN Management Service section to group all existingmessage layouts and edits specific to chip cards.

Chip PIN ManagementService

Added to PIN Management Service, a new section titled Magnetic Stripe PINManagement Service. This section contains information about expandingthe Chip PIN Management service to allow cardholders to change thePIN associated with their non-chip (magnetic stripe) MasterCard credit,Debit MasterCard, Maestro, or Cirrus card at any ATM that supportsthis functionality.

This section also contains new message layouts and edits specific tomagnetic stripe cards, including:

Authorization Request/0100PIN Change (Magnetic Stripe Card)

Authorization Request Response/0110PIN Change (Magnetic StripeCard)

Reversal Request/0400PIN Change (Magnetic Stripe Card)

Authorization Request/0100 Edits (Magnetic Stripe Card)

Authorization Advice/0120Acquirer-generated Edits (Magnetic StripeCard)

Reversal Request/0400Edits (Magnetic Stripe Card)

Removed the existing Magnetic Stripe PIN Management Service section thatpertains to PIN Change transactions originating from the Single MessageSystem. This change is not indicated with an update bar.

Magnetic Stripe PINManagement Service

Added the following note to Reversal Processing, Alternate Processing.

Members in the Europe region that route to an alternate issuer host foralternate processing instead of Stand-In, will still receive an AuthorizationAdvice/0120Acquirer-generated as described here. Alternate issuerhost processing does not send Reversal Request/0400 or AuthorizationAdvice/0120 messages to the alternate host.

Alternate Processing

Modified the description for the Visa Custom Payment Service as it pertainsto Stand-In processing of Visa-branded transactions .

Visa Custom PaymentService


Table of Contents

Chapter 1 Overview ........................................................................................ 1-iThe Customer Interface Specification Format .......................................................................... 1-1

Issuer Post-on Authorization.................................................................................................... 1-2

Bit Mapped Message Encoding Scheme .................................................................................. 1-3

Authorization System Processing Terms and Acronyms........................................................... 1-4

Customer Interface Specification Notations ............................................................................. 1-4

Data Length Notations ....................................................................................................... 1-4

Data Representation Notations .......................................................................................... 1-5

Data Field Notations .......................................................................................................... 1-6

Data Justification Notations................................................................................................ 1-6

Date and Time Notations................................................................................................... 1-7

Entity Notations ................................................................................................................. 1-7

Presence Notations ............................................................................................................ 1-8

Presence Requirement Notations ....................................................................................... 1-8

Program and Service Category Notations........................................................................... 1-9

Authorization System Messages ............................................................................................. 1-10

List of Authorization Messages............................................................................................... 1-10

Message Type Identifier Presence Requirements by Program and Service ............................ 1-12

Character Sets ........................................................................................................................ 1-14

Extended ASCII to Extended EBCDIC Character Set Conversion..................................... 1-15

Swedish Domestic Authorization Switching Character Set............................................... 1-18

Chapter 2 Message Definitions and Flows.................................................... 2-iAbout Message Definitions ...................................................................................................... 2-1

About Authorization Messages........................................................................................... 2-1

About Authorization Advice Messages............................................................................... 2-2

About Authorization Response Acknowledgement Messages............................................ 2-5

About Issuer File Update Messages ................................................................................... 2-6

About Reversal Messages................................................................................................... 2-6

About Administrative Messages ......................................................................................... 2-8

About Network Management Messages ........................................................................... 2-10

About Message Flows ............................................................................................................ 2-12

Authorization Message Routing Timers............................................................................ 2-12

Authorization Request/0100 and Authorization Request Response/0110......................... 2-13

Authorization Request/0100Communication Failure at Acquirer.................................. 2-14

19972010 MasterCardCustomer Interface Specification 10 September 2010 i

Table of Contents

Authorization Request/0100Communication Failure at Issuer ...................................... 2-15

Authorization Request Response/0110Communication Failure at Acquirer.................. 2-17

Authorization Request Response/0110Communication Failure at Issuer...................... 2-19

Authorization Request Response/0110Stand-In System Allowed.................................. 2-21

Authorization Request Response/0110Not Eligible for Alternate Processing................ 2-26

Authorization Request/0100Chip PIN Management ..................................................... 2-28

Authorization Request/0100Chip PIN Management (Failure to Transmit/Apply Scriptto Chip Card) ................................................................................................................... 2-30

Authorization Request/0100Chip PIN Management (Issuer Network Failure-Unableto Connect) ...................................................................................................................... 2-32

Authorization Request/0100Chip PIN Management (Issuer Network Failure, NoResponse from Issuer) ..................................................................................................... 2-33

Authorization Request/0100Chip PIN Management (Acquirer Network Failure-Unableto Connect) ...................................................................................................................... 2-35

Authorization Request/0100Chip PIN Management (Acquirer Network Failure-Unableto Connect with Acquirer) ............................................................................................... 2-36

Guaranteed Advice Message Delivery ............................................................................. 2-38

Acquirer Response Acknowledgement/0180 Messages.................................................... 2-46

Alternate Issuer Host Processing for Online Europe Region Members ............................ 2-47

Authorization Response Negative Acknowledgement/0190 (Responding to theAuthorization Request Response/0110) ........................................................................... 2-56

Authorization Response Negative Acknowledgement/0190 (Responding to the ReversalRequest Response/0410).................................................................................................. 2-57

Issuer File Update Request/0302 and Issuer File Update Request Response/0312........... 2-58

Reversal Messages............................................................................................................ 2-59

Administrative Request/0600 and Administrative Request Response/0610 ...................... 2-68

Administrative Request/0600, Acquirer Edit Failure......................................................... 2-69

Administrative Request/0600, Communication Failure at Issuer ...................................... 2-70

Administrative Request Response/0610, Communication Failure at Acquirer .................. 2-71

Administrative Request Response/0610, No Issuer Response .......................................... 2-72

Administrative Request Response/0610, Late Issuer Response ........................................ 2-73

Administrative Request Response/0610, Issuer Edit Failure ............................................. 2-74

Administrative Advice/0620 and Administrative Advice Response/0630.......................... 2-75

Administrative Advice/0620 and Administrative Advice Response/0630InvalidMessage, System-generated ............................................................................................. 2-76

Administrative Advice/0620 and Administrative Advice Response/0630RiskFinder,System-generated............................................................................................................. 2-77

Network Management Request 0800Sign-On/Sign-Off................................................. 2-78

Network Management Request/0800RiskFinder Sign-On/Sign-Off............................... 2-79

Network Management Request/0800Solicited SAF ....................................................... 2-80

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Network Management Request/0800Unsolicited SAF................................................... 2-81

Network Management Request/0800RiskFinder SAF.................................................... 2-82

Network Management Request/0800Network Connection Status,Member-generated........................................................................................................... 2-83

Network Management Request/0800Network Connection Status,System-generated............................................................................................................. 2-84

Network Management Request/0800Host Session Activation/Deactivation.................. 2-85

Network Management Request/0800PEK Exchange AuthorizationSystem-Initiated................................................................................................................ 2-86

Network Management Request/0800PEK Exchange Member-Initiated......................... 2-87

Chapter 3 Message Layouts............................................................................ 3-iAuthorization Request/0100..................................................................................................... 3-1

Authorization Request Response/0110..................................................................................... 3-5

Authorization Advice/0120Acquirer-generated..................................................................... 3-9

Authorization Advice/0120Issuer-generated ....................................................................... 3-13

Authorization Advice/0120System-generated ..................................................................... 3-16

Authorization Advice Response/0130Issuer-generated (Responding to aSystem-generated 0120 from SAF) ......................................................................................... 3-19

Authorization Advice Response/0130Issuer-generated (Responding to anAcquirer-generated 0120)....................................................................................................... 3-21

Authorization Advice Response/0130System-generated (Responding to anAcquirer-generated 0120)....................................................................................................... 3-24

Authorization Advice Response/0130System-generated (Responding to anIssuer-generated 0120)........................................................................................................... 3-26

Authorization Response Acknowledgement/0180.................................................................. 3-28

Authorization Response Negative Acknowledgement/0190................................................... 3-29

Issuer File Update Request/0302............................................................................................ 3-30

Issuer File Update Request Response/0312 ........................................................................... 3-31

Reversal Request/0400 ........................................................................................................... 3-32

Reversal Request Response/0410 ........................................................................................... 3-37

Reversal Advice/0420............................................................................................................. 3-40

Reversal Advice Response/0430............................................................................................. 3-44

Administrative Request/0600.................................................................................................. 3-46

Administrative Request Response/0610 ................................................................................. 3-48

Administrative Advice/0620System-generated .................................................................... 3-50

Administrative Advice/0620Member-generated .................................................................. 3-52

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Administrative Advice Response/0630 ................................................................................... 3-53

Network Management Request/0800Sign-On/Sign-Off ...................................................... 3-54

Network Management Request/0800RiskFinder SAF Request ............................................ 3-56

Network Management Request/0800Network Connection Status,Member-generated................................................................................................................. 3-57

Network Management Request/0800Network Connection Status, System-generated........... 3-58

Network Management Request/0800Host Session Activation/Deactivation........................ 3-59

Network Management Request/0800PEK Exchange........................................................... 3-60

Network Management Request/0800PEK Exchange On Demand...................................... 3-61

Network Management Request Response/0810Sign-On/Sign-Off ...................................... 3-62

Network Management Request Response/0810RiskFinder SAF Request ............................ 3-63

Network Management Request Response/0810Network Connection Status,Member-generated................................................................................................................. 3-64

Network Management Request Response/0810Network Connection Status,System-generated................................................................................................................... 3-65

Network Management Request Response/0810Host SessionActivation/Deactivation.......................................................................................................... 3-66

Network Management Request Response/0810PEK Exchange .......................................... 3-67

Network Management Request Response/0810PEK Exchange-On Demand...................... 3-68

Network Management Advice/0820RiskFinder SAF End of File ......................................... 3-69

Network Management Advice/0820PEK Exchange ............................................................ 3-70

Chapter 4 Data Element Definitions .............................................................. 4-iData Element Layout................................................................................................................ 4-1

Subelement Layout .................................................................................................................. 4-2

Subfield Layout ........................................................................................................................ 4-2

Position Layout ........................................................................................................................ 4-3

List of Data Elements (Numeric Order).................................................................................... 4-3

List of Data Elements (Alphabetic Order) ................................................................................ 4-7

Message Type Identifier......................................................................................................... 4-12

Message Types and Applicable Program or Service .............................................................. 4-14

About Primary and Secondary Bit Maps ................................................................................ 4-16

Primary Bit Map..................................................................................................................... 4-16

DE 1Bit Map, Secondary .................................................................................................... 4-18

DE 2Primary Account Number (PAN) ................................................................................ 4-21

About Primary Account Number...................................................................................... 4-23

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DE 3Processing Code......................................................................................................... 4-24

Subfield 1Cardholder Transaction Type Code.............................................................. 4-25

Subfield 2Cardholder "From Account" Type Code ....................................................... 4-27

Subfield 3Cardholder "To Account" Type Code ........................................................... 4-28

DE 4Amount, Transaction .................................................................................................. 4-29

DE 5Amount, Settlement .................................................................................................... 4-30

DE 6Amount, Cardholder Billing........................................................................................ 4-32

DE 7Transmission Date and Time...................................................................................... 4-33

Subfield 1Date.............................................................................................................. 4-35

Subfield 2Time ............................................................................................................. 4-36

DE 8Amount, Cardholder Billing Fee................................................................................. 4-36

DE 9Conversion Rate, Settlement....................................................................................... 4-36

Subfield 1Decimal Indicator ......................................................................................... 4-38

Subfield 2Conversion Rate ........................................................................................... 4-38

DE 10Conversion Rate, Cardholder Billing......................................................................... 4-38

Subfield 1Decimal Indicator ......................................................................................... 4-40

Subfield 2Cardholder Billing Conversion Rate ............................................................. 4-40

DE 11System Trace Audit Number (STAN)......................................................................... 4-41

DE 12Time, Local Transaction............................................................................................ 4-42

DE 13Date, Local Transaction ............................................................................................ 4-44

DE 14Date, Expiration........................................................................................................ 4-45

DE 15Date, Settlement ....................................................................................................... 4-46

DE 16Date, Conversion ...................................................................................................... 4-47

DE 17Date, Capture ........................................................................................................... 4-48

DE 18Merchant Type ......................................................................................................... 4-49

DE 19Acquiring Institution Country Code.......................................................................... 4-50

DE 20Primary Account Number (PAN) Country Code........................................................ 4-51

DE 21Forwarding Institution Country Code ....................................................................... 4-52

DE 22Point-of-Service (POS) Entry Mode .......................................................................... 4-52

Subfield 1POS Terminal PAN Entry Mode .................................................................... 4-54

Subfield 2POS Terminal PIN Entry Mode..................................................................... 4-55

Authorization System Edits .............................................................................................. 4-56

DE 23Card Sequence Number............................................................................................ 4-59

DE 24Network International ID ......................................................................................... 4-61

DE 25Point-of-Service (POS) Condition Code.................................................................... 4-61

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DE 26Point-of-Service (POS) Personal ID Number (PIN) Capture Code............................ 4-62

DE 27Authorization ID Response Length ........................................................................... 4-63

DE 28Amount, Transaction Fee.......................................................................................... 4-64

Subfield 1Debit/Credit Indicator .................................................................................. 4-65

Subfield 2Amount ........................................................................................................ 4-65

DE 29Amount, Settlement Fee ........................................................................................... 4-66


Subfield 2Amount ........................................................................................................ 4-67

DE 30Amount, Transaction Processing Fee........................................................................ 4-67


Subfield 2Amount ........................................................................................................ 4-68

DE 31Amount, Settlement Processing Fee.......................................................................... 4-68


Subfield 2Amount ........................................................................................................ 4-69

DE 32Acquiring Institution ID Code .................................................................................. 4-69

DE 33Forwarding Institution ID Code................................................................................ 4-71

DE 34Primary Account Number (PAN), Extended.............................................................. 4-73

DE 35Track 2 Data ............................................................................................................. 4-73

DE 36Track 3 Data ............................................................................................................. 4-75

DE 37Retrieval Reference Number ..................................................................................... 4-75

Subfield 1Transaction Date and Initiator Discretionary Data........................................ 4-77

Subfield 2Terminal Transaction Number ...................................................................... 4-77

DE 38Authorization ID Response....................................................................................... 4-79

DE 39Response Code......................................................................................................... 4-81

Authorization Request Response/0110 Response Codes.................................................. 4-83

Authorization Advice/0120 Response Codes.................................................................... 4-84

Authorization Advice Response/0130 Response Codes ................................................... 4-86

Authorization Advice Response/0180 Response Codes ................................................... 4-87

Authorization Negative Acknowledgement/0190 Response Codes.................................. 4-87

Issuer File Update Request Response/0312 Response Codes .......................................... 4-87

Reversal Request/0400 Message Response Codes............................................................ 4-88

Reversal Request Response/0410 Response Codes .......................................................... 4-90

Reversal Advice/0420 Response Codes............................................................................ 4-91

Reversal Advice Response/0430 Message and Administrative Advice Response/0630Response Codes............................................................................................................... 4-93

Administrative Request Response/0610 Response Codes ................................................ 4-93

Network Management Request Response/0810 Response Codes .................................... 4-94

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DE 40Service Restriction Code ........................................................................................... 4-94

DE 41Card Acceptor Terminal ID....................................................................................... 4-95

DE 42Card Acceptor ID Code ............................................................................................ 4-96

DE 43Card Acceptor Name/Location for All Transactions.................................................. 4-97

Subfield 1Merchant Name ("Doing Business As" name) .............................................. 4-99

Subfield 2Space............................................................................................................ 4-99

Subfield 3Merchant's City ............................................................................................. 4-99

Subfield 4Space...........................................................................................................4-100

Subfield 5Merchant's State (or Country Code, if not U.S.)...........................................4-100

DE 43Card Acceptor Name/Location for ATM Transactions..............................................4-101

Subfield 1ATM Owning Institution or Terminal/Merchant Address or Both................4-102

Subfield 2Space...........................................................................................................4-102

Subfield 3ATM or Merchant Location City...................................................................4-102

Subfield 4Space...........................................................................................................4-103

Subfield 5ATM or Merchant State, Province, or Country Code Location .....................4-103

DE 43Card Acceptor Name/Location for Bankcard-Activated Public Phones....................4-104

Subfield 1Abbreviation "TEL" ......................................................................................4-105

Subfield 2Phone Number Dialed.................................................................................4-105

Subfield 3Abbreviation "M" .........................................................................................4-106

Subfield 4Call Duration ...............................................................................................4-106

Subfield 5Space...........................................................................................................4-106

Subfield 6Call Origin City............................................................................................4-107

Subfield 7Space...........................................................................................................4-107

Subfield 8Call Origin State or Country Code...............................................................4-108

DE 44Additional Response Data .......................................................................................4-108

DE 44 Values by Program or Service ..............................................................................4-110

DE 45Track 1 Data ............................................................................................................4-111

DE 46Expanded Additional Amounts................................................................................4-113

DE 47Additional DataNational Use................................................................................4-114

DE 48Additional DataPrivate Use ..................................................................................4-115

DE 48 Transaction Category Code ..................................................................................4-117

DE 48 Subelement Encoding Scheme in Authorization Request/0100 Messages ............4-117

DE 48 Subelement Encoding Scheme in Network Management Messages.....................4-118

List of DE 48 Subelements ..............................................................................................4-119

Subelement 10Encrypted PIN Block Key ....................................................................4-122

Subelement 11Key Exchange Block Data (Single-Length Keys)..................................4-122

Subelement 11Key Exchange Block Data (Double-Length Keys) ...............................4-124

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Subelement 11Key Exchange Block Data (Triple-Length Keys) ..................................4-125

Subelement 12Routing Indicator .................................................................................4-126

Subelement 13MasterCard Hosted Mobile Phone Top-up Request Data.....................4-128

Subelement 15Authorization System Advice Date and Time.......................................4-129

Subelement 16Processor Pseudo ICA..........................................................................4-130

Subelement 20Cardholder Verification Method ...........................................................4-131

Subelement 32MasterCard Assigned ID.......................................................................4-132

Subelement 33PAN Mapping File Information ............................................................4-133

Subelement 34Dynamic CVC 3 ATC Information ........................................................4-136

Subelement 35PayPass Non-Card Form Factor Request/Response .............................4-140

Subelement 38Account Category.................................................................................4-141

Subelement 39Expert Monitoring Compromised Account Service Information ...........4-142

Subelement 40Electronic Commerce Merchant/Cardholder Certificate Serial Number(Visa Only) .....................................................................................................................4-144

Subelement 41Electronic Commerce Certificate Qualifying Information.....................4-146

Subelement 42Electronic Commerce Indicators ..........................................................4-151

Subelement 43Universal Cardholder Authentication Field (UCAF) .............................4-154

Subelement 433-D Secure for MasterCard SecureCode ...............................................4-155

Subelement 43Static AAV for Maestro or MasterCard Advance RegistrationProgram ..........................................................................................................................4-156

Subelement 43Secure Electronic Commerce Verification Service ................................4-157

Subelement 44Visa 3-D Secure Electronic Commerce Transaction Identifier(XID)...............................................................................................................................4-157

Subelement 45Visa 3-D Secure Electronic Commerce Transaction ResponseCode ...............................................................................................................................4-158

Subelement 46Card-Level Result .................................................................................4-159

Subelement 47MasterCard Payment Gateway Transaction Indicator...........................4-159

Subelement 58ATM Additional Data............................................................................4-160

Subelement 61POS Data Extended Condition Codes ..................................................4-164

Subelement 63Trace ID...............................................................................................4-167

Subelement 71On-behalf Services ...............................................................................4-168

Subelement 72Issuer Chip Authentication...................................................................4-173

Subelement 74Additional Processing Information.......................................................4-174

Subelement 75Fraud Scoring Data ..............................................................................4-176

Subelement 76MasterCard Electronic Acceptance Indicator........................................4-178

Subelement 77Payment Transaction Type Indicator ...................................................4-180

Subelement 78U.S. Deferred Billing Indicator (Visa Only)..........................................4-181

Subelement 79Chip CVR/TVR Bit Error Results...........................................................4-182

Subelement 80PIN Service Code .................................................................................4-184

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Subelement 82Address Verification Service Request ...................................................4-185

Subelement 83Address Verification Service Response.................................................4-186

Subelement 84Merchant Advice Code.........................................................................4-187

Subelement 84Visa Response Codes (Visa Only) ........................................................4-188

Subelement 85U.S. Existing Debt Indicator (Visa Only)..............................................4-189

Subelement 86Relationship Participant Indicator (Visa Only) .....................................4-189

Subelement 87Card Validation Code Result ................................................................4-190

Subelement 87CVV2 Response (Visa Only) ................................................................4-192

Subelement 88Magnetic Stripe Compliance Status Indicator .......................................4-192

Subelement 89Magnetic Stripe Compliance Error Indicator ........................................4-193

Subelement 90MasterCard Travel Industries Premier Service Interchange ProgramIndicator .........................................................................................................................4-194

Subelement 90Custom Payment Service Request (Visa Only).....................................4-195

Subelement 91Acquirer Reference Data (American Express Only) .............................4-196

Subelement 91Custom Payment Service Request Transaction ID (Visa Only).............4-196

Subelement 91Custom Payment Service Response Transaction ID (Visa Only) ...........4-197

Subelement 92CVC 2...................................................................................................4-198

Subelement 92CVV2 Data (Visa Only) ........................................................................4-199

Subelement 93Fleet Card ID Request Data (Visa Only) ..............................................4-200

Subelement 94Commercial Card Inquiry Request (Visa Only) ....................................4-201

Subelement 94Commercial Card Inquiry Response (Visa Only) .................................4-202

Subelement 95MasterCard Promotion Code................................................................4-203

Subelement 95American Express Customer ID Number (American ExpressOnly) ..............................................................................................................................4-204

Subelement 96Visa Market-Specific Data Identifier (Visa Only)..................................4-205

Subelement 97Prestigious Properties Indicator (Visa Only) ........................................4-206

Subelement 98MasterCard Corporate Fleet Card ID/Driver Number...........................4-206

Subelement 99MasterCard Corporate Fleet Card Vehicle Number ..............................4-207

DE 48Authorization System Edits ................................................................................4-208

DE 49Currency Code, Transaction ....................................................................................4-218

DE 50Currency Code, Settlement ......................................................................................4-219

DE 51Currency Code, Cardholder Billing..........................................................................4-220

DE 52Personal ID Number (PIN) Data..............................................................................4-221

DE 53Security-Related Control Information.......................................................................4-222

Subfield 1PIN Security Type Code ..............................................................................4-223

Subfield 2PIN Encryption Type Code .........................................................................4-223

Subfield 3PIN Block Format Code ..............................................................................4-224

Subfield 4PIN Key Index Number...............................................................................4-224

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Subfield 5Reserved for Future Use..............................................................................4-224


DE 54Additional Amounts.................................................................................................4-225

Subfield 1Account Type ..............................................................................................4-227

Subfield 2Amount Type ..............................................................................................4-228

Subfield 3Currency Code ............................................................................................4-228

Subfield 4Amount .......................................................................................................4-229

DE 55Integrated Circuit Card (ICC) System-Related Data..................................................4-229

DE 55Subelement Encoding Scheme ..........................................................................4-230

DE 55Subelements ......................................................................................................4-230


DE 56Reserved for ISO Use ..............................................................................................4-236

DE 57DE 59Reserved for National Use............................................................................4-236

DE 60Advice Reason Code................................................................................................4-237

Subfield 1Advice Reason Code ...................................................................................4-238

Subfield 2Advice Detail Code......................................................................................4-240

Subfield 3 Advice Detail Text .........................................................................................4-253

DE 61Point-of-Service (POS) Data ....................................................................................4-254

Subfield 1POS Terminal Attendance ...........................................................................4-255


Subfield 3POS Terminal Location................................................................................4-255

Subfield 4POS Cardholder Presence ...........................................................................4-256

Subfield 5POS Card Presence......................................................................................4-256

Subfield 6POS Card Capture Capabilities ....................................................................4-257

Subfield 7POS Transaction Status................................................................................4-257

Subfield 8POS Transaction Security.............................................................................4-257


Subfield 10Cardholder-Activated Terminal Level.........................................................4-258

Subfield 11POS Card Data Terminal Input Capability Indicator ..................................4-259

Subfield 12POS Authorization Life Cycle.....................................................................4-260

Subfield 13POS Country Code ....................................................................................4-260

Subfield 14POS Postal Code........................................................................................4-260


DE 62Intermediate Network Facility (INF) Data ...............................................................4-263

DE 63Network Data ..........................................................................................................4-265

Subfield 1Financial Network Code..............................................................................4-267

Subfield 2Banknet Reference Number ........................................................................4-275

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DE 64Message Authentication Code..................................................................................4-275

DE 65Bit Map, Extended ...................................................................................................4-276

DE 66Settlement Code ......................................................................................................4-277

DE 67Extended Payment Code .........................................................................................4-277

DE 68Receiving Institution Country Code.........................................................................4-278

DE 69Settlement Institution Country Code........................................................................4-278

DE 70Network Management Information Code ................................................................4-279

Network Management Request/0800Sign-On/Sign-Off ...............................................4-280

Network Management Request/0800RiskFinder SAF Request .....................................4-281

Network Management Advice/0820RiskFinder SAF End of File ..................................4-281

Network Management Request/0800Network Connection Status,Member-generated..........................................................................................................4-282

Network Management Request/0800Network Connection Status,System-generated............................................................................................................4-282

Network Management Request/0800Host Session Activation/Deactivation.................4-282

Network Management Request/0800PEK Exchange....................................................4-282

Network Managment Request/0800PEK Exchange-On Demand.................................4-282

DE 71Message Number .....................................................................................................4-283

DE 72Message Number Last ..............................................................................................4-283

DE 73Date, Action.............................................................................................................4-284

DE 74Credits, Number ......................................................................................................4-284

DE 75Credits, Reversal Number ........................................................................................4-285

DE 76Debits, Number .......................................................................................................4-285

DE 77Debits, Reversal Number .........................................................................................4-285

DE 78Transfers, Number ...................................................................................................4-286

DE 79Transfers, Reversal Number .....................................................................................4-286

DE 80Inquiries, Number....................................................................................................4-287

DE 81Authorizations, Number...........................................................................................4-287

DE 82Credits, Processing Fee Amount ..............................................................................4-287

DE 83Credits, Transaction Fee Amount.............................................................................4-288

DE 84Debits, Processing Fee Amount...............................................................................4-288

DE 85Debits, Transaction Fee Amount .............................................................................4-289

DE 86Credits, Amount.......................................................................................................4-289

DE 87Credits, Reversal Amount ........................................................................................4-289

DE 88Debits, Amount .......................................................................................................4-290

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DE 89Debits, Reversal Amount .........................................................................................4-290

DE 90Original Data Elements............................................................................................4-291

Subfield 1Original Message Type Identifier ................................................................4-291

Subfield 2Original DE 11 (Systems Trace Audit Number) ...........................................4-292

Subfield 3Original DE 7 (Transmision Date and Time) ...............................................4-292

Subfield 4Original DE 32 (Acquiring Institution ID Code) ..........................................4-293

Subfield 5Original DE 33 (Forwarding Institution ID Code) .......................................4-293

DE 91Issuer File Update Code ..........................................................................................4-293

DE 92File Security Code....................................................................................................4-294

DE 93Response Indicator ..................................................................................................4-294

DE 94Service Indicator ......................................................................................................4-295


Subfield 2Acquirer/Issuer Indicator.............................................................................4-296

Subfield 3Address Data Indicator ................................................................................4-296

DE 95Replacement Amounts.............................................................................................4-297

Subfield 1Actual Amount, Transaction ........................................................................4-298

Subfield 2Actual Amount, Settlement ..........................................................................4-299

Subfield 3Actual Amount, Cardholder Billing..............................................................4-299

Subfield 4Zero Fill.......................................................................................................4-299

DE 96Message Security Code ............................................................................................4-300

DE 97Amount, Net Settlement...........................................................................................4-300

subfield 1Debit/Credit Indicator..................................................................................4-301

Subfield 2Amount .......................................................................................................4-301

DE 98Payee.......................................................................................................................4-301

DE 99Settlement Instituition ID Code ...............................................................................4-302

DE 100Receiving Institution ID Code................................................................................4-302

DE 101File Name ..............................................................................................................4-303

DE 102Account ID 1 .........................................................................................................4-304

DE 103Account ID 2 .........................................................................................................4-305

DE 104Transaction Description .........................................................................................4-306

DE 105DE 111Reserved for Future Use ...........................................................................4-306

DE 112Additional Data, National Use ...............................................................................4-306

DE 112Encoding Scheme ............................................................................................4-308

CuotasPayment Transactions.......................................................................................4-309

MexctaPayment Transactions ......................................................................................4-315

ParcelasPayment Transactions.....................................................................................4-317

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PerctaPayment Transactions ........................................................................................4-319

UK Domestic Maestro Transactions ................................................................................4-321

DE 113Reserved for National Use .....................................................................................4-323

Generic Data, Administrative Request/0600 Message .....................................................4-324

Banking Data, Administrative Request/0600 Message.....................................................4-326


Consumer Application Request Data Administrative Request/0600 Message..................4-328

Consumer Status Inquiry or Preapproved Offer Inquiry Data AdministrativeRequest/0600 Message....................................................................................................4-329

Consumer Account Maintenance Data Administrative Request/0600 Message ...............4-330

Consumer Application Response Data Administrative Request Response/0610Message ..........................................................................................................................4-334

Consumer Account Maintenance Data Administrative Request Response/0610Message ..........................................................................................................................4-335


Business Application Request Data Administrative Request/0600 Message ....................4-340

Business Application Status Inquiry Data or Business Preapproved Offer Inquiry DataAdministrative Request/0600 Message ............................................................................4-342

Business Account Maintenance Data Administrative Request/0600 Message..................4-343

Business Application Response Data Administrative Request Response/0610Message ....................................................................................................................

Documents

Customer Interface Specification