Fields and Parameters Passed by a POS
Terminal for a Card Transaction
1. Transaction Type
(a)Indicates the type of transaction (e.g., sale, refund, pre-authorization).
2. Merchant Information
(a) Merchant ID
(b)Merchant name
(c) Merchant location
Fields and Parameters Passed by a POS
Terminal for a Card Transaction
3. Card Information
(a)Card number (Primary Account Number, PAN)
(b) Expiration date
(c) Cardholder name
(d) CVV/CVC (Card Verification Value/Code)
(e) Card Type
4. Transaction Amount
(a) The amount to be charged or refunded.
Fields and Parameters Passed by a POS
Terminal for a Card Transaction
5. Currency Code
(a)The currency in which the transaction is being conducted.
6. Terminal Information
(a) Terminal ID
(b)Terminal location
(c) Terminal type (e.g., in-store, mobile, online)
Fields and Parameters Passed by a POS
Terminal for a Card Transaction
7. Transaction Date and Time
(a) The date and time when the transaction is being processed.
8. Authorization Code
(a) A code generated by the card issuer to approve the transaction.
9. Transaction Identifier
(a) A unique identifier for the transaction.
Fields and Parameters Passed by a POS
Terminal for a Card Transaction
10. Card Entry Mode
(a) Indicates how the card data was entered (e.g., swiped, dipped, tapped,
manually entered).
11. Security Data
(a) Encrypted data for secure transmission of card information.
12. Acquirer Data
(a) Acquirer Identifier
Fields and Parameters Passed by a POS
Terminal for a Card Transaction
13. EMV Data
(a) For chip cards, additional data from the chip (e.g., Application Cryptogram,
Terminal Verification Results).
14. Response Codes
(a) Codes indicating the result of the transaction (e.g., approved, declined, error).
Fields and Parameters Passed by a POS
Terminal for a Card Transaction
2 (b), 2(c)
2 (a)
6 (a)
3 (e)
3 (a) ,3 (b)
1 (a)
7 (a)
8 (a)
9 (a)
12 (a)
Terminal
5, 4 (a) Cryptogram
End-to-End Flow of a Card Transaction
1. Card Swipe/Insertion
- The cardholder swipes, inserts, or taps their card on the POS terminal.
2. Data Capture
- The POS terminal captures card details and transaction details.
3. Encryption
- The captured data is encrypted for secure transmission.
4. Transaction Request
- The POS terminal sends the encrypted transaction request to the payment gateway.
5. Payment Gateway Processing
- The payment gateway decrypts the data and forwards the transaction request to the acquiring bank.
6. Acquiring Bank
- The acquiring bank processes the request and forwards it to the card network.
7. Card Network
- The card network routes the transaction to the issuing bank.
8. Issuing Bank Authorization
- The issuing bank verifies card details, checks funds, and performs fraud checks.
- An authorization code is generated if approved, or a decline code is sent.
9. Response Routing
- The response is routed back through the card network to the acquiring bank, then to the payment gateway.
10. Response to POS Terminal
- The payment gateway sends the response back to the POS terminal.
- The POS terminal displays the transaction result to the merchant and cardholder.
11. Receipt Printing
- The POS terminal prints a receipt if the transaction is approved.
