DE 2—Primary Account Number (PAN) it is a series of 12-19 digits used to identify a
customer account or relationship
DE 3—Processing Code
SF 1 (Cardholder Transaction Type Code)
01 = Withdrawal
28 = Payment Transaction
30 = Balance Inquiry
91 = PIN Unblock
92 = PIN Change
SF 2,3 Account Type Code “from and to”
00 =Default Account (not specified or not applicable)
10 = Savings Account
20 = Checking Account
30 = Credit Card Account
38 = Credit Line Account
39 = Corporate
40 = Universal Account (Customer ID number)
DE 4—Amount, Transaction
DE 5—Amount, Settlement
DE 6—Amount, Cardholder Billing
DE 7—Transmission Date and Time
DE 11—System Trace Audit Number (STAN) it is a number a message initiator assigns
to uniquely identify a transaction.
DE 12 (Time, Local Transaction) is the local time at which the transaction takes
place at the point of card acceptor location.
DE 14 (Date, Expiration) specifies the year and month after which an issuer
designates a cardholder’s card to be “expired.”
DE 18—Merchant Type = This data element must contain a valid MCC. (Merchant
Category Code)
DE 22 (Point-of-Service [POS] Entry Mode) consists of numeric codes to indicate the
method by which the PAN was entered into the interchange system and to indicate the
POS terminal PIN entry capabilities.
PAN entry mode SF = 1
00 Unknown
01 Manual
02 Magnetic stripe
03 Bar code
04 OCR
05 Integrated circuit card (ICC). CVV can be checked.
07 Auto entry via contactless magnetic stripe.
PIN entry capability SF 02
0 Unknown
1 Terminal can accept PINs
2 Terminal cannot accept PINs
DE 35 Track 2 data Primary Account Number, Separator (binary), Expiration Date,
Extended Service Code, CVC 1
DE 37 - Retrieval Reference Number it is an alphanumeric code assigned to a
transaction to uniquely identify a transaction. This code remains unchanged
throughout the life of the transaction.
DE 39—Response Code
00=Approved or completed successfully
01=Refer to card issuer
10=Partial Approval
12=Invalid transaction
13=Invalid amount
14=Invalid card number
30=Format error
32=Partial reversal
55=Invalid PIN
43=Stolen card
82=Timeout at issuer
94=Duplicate transmission detected
96=System error
DE49 - Currency Code, Transaction The local currency of the acquirer or source
location of the transaction. The field can contain both alphanumeric or numeric
code from ISO 4217 standard. e.g. USD or 840.
DE 52—Personal ID Number (PIN) it contains a number assigned to a cardholder
intended to uniquely identify that cardholder at the point of interaction. This
data element transmits PIN information from acquirers to issuers (or to the
network) for PIN verification or validation.
DE 55 (Integrated Circuit Card [ICC] System-Related Data) contains binary data that
only the issuer or the issuer agent processes; it is used locally by the payment
application on the chip at a chip-capable terminal. This data element is present in
chip full-grade transactions.
DE61 SF1—POS Terminal Attendance.
0=Attended Terminal
1=Unattended terminal (cardholder-activated terminal [CAT], home PC, mobile phone,
PDA)
2=No terminal used (voice/audio response unit [ARU] authorization)
SF 2—Reserved for Future Use (0 filled
SF 3—POS Terminal Location
SF 4—POS Cardholder Presence
0 = Cardholder present
1 = Cardholder not present, unspecified
2 = Mail/facsimile order
3 = Phone/ARU order
4 = Standing order/recurring transactions
5 = Electronic order (home PC, Internet, mobile phone, PDA)
SF 5—POS Card Presence
0 = Card present
1 = Card not present
SF 6—POS Card Capture Capabilities
0 = Terminal/operator has no card capture capability
1 = Terminal/operator has card capture capability
SF 7 (POS Transaction Status) indicates the purpose or status of the request
0 = Normal request (original presentment)
2 = Secure Code Phone Order
3 = ATM Installment Inquiry
4 = Preauthorized request
6 = ATC Update
8 = Account Status Inquiry Service
9 = Tokenization Request/Notification
SF 8—POS Transaction Security
0 = No security concern
1 = Suspected fraud (merchant suspicious—code 10)
2 = ID verified
SF 9 (Reserved) is reserved. value should be 0
SF 10 (Cardholder-Activated Terminal Level) indicates whether the cardholder
activated the terminal with the use of the card and the CAT security level.
0 = Not a CAT transaction
1 = Authorized Level 1 CAT: Automated dispensing machine with PIN
2 = Authorized Level 2 CAT: Self-service terminal
3 = Authorized Level 3 CAT: Limited-amount terminal
4 = Authorized Level 4 CAT: In-flight commerce
5 = Reserved
6 = Authorized Level 6 CAT: Electronic commerce
7 = Authorized Level 7 CAT: Transponder transaction
8 = Reserved for future use
9 = MPOS Acceptance Device Application (attended and not cardholder activated
terminals)
SF11—POS Card Data Terminal Input Capability Indicator
3 = (Contactless M/Chip) POS Card Data Terminal Input Capability Indicator,
4 = (Contactless Magnetic Stripe only) it may support contact also
5 = EMV specification (compatible chip reader) and magnetic stripe reader.
SF 12—POS Authorization Life Cycle (No of pre-auth done. it is for visa)
SF 13—POS Country Code
SF 14—POS Postal Code
