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STAR ISO 8583 Message Format Guide

February 2011 Version 3.3

2002-2011 FIRST DATA CORPORATION All Rights Reserved. Printed in U.S.A. This document contains confidential and proprietary information of First Data Corporation. You may not disclose, copy or use any portion of these materials for any purpose without the express written consent of First Data Corporation. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. Periodic revisions to this manual are issued to reflect technical changes and enhancements to the System, and to ensure that all information contained herein remains current and accurate.

Revision Guide February 2011

Chapter Updated Chapter 1 Chapter 3

Description of Change Updated Introduction Updated tables:


Table 3.11: 0100/0101 Pre-authorization Request Table 3.12: 0110 Pre-authorization Response Table 3.13: 0120/0121 Pre-authorization Advice Table 3.15: 0200/0201 Financial Transaction Request Table 3.16: 0210 Financial Transaction Response Table 3.17: 0220/021 Financial Transaction Advice Table 3.33: 0420/0421 Acquirer Reversal Advice

Chapter 4

Updated elements:

DE 042 Card Acceptor/Merchant Identification Code DE 125 Network Management Information/Tagged Issuer Data

Chapter 9

Updated Table 9.1: Valid Response Codes

Added A1, A2 and S7

Chapter 11 Chapter 13

Updated Table 11.9: Position 9-10: Terminal Type Updated Data Element 104: Transaction Description Interchange Group Identifier Values

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Table of Contents
Part 1: STAR ISO 8583 Message Format Guide Chapter 1: Introduction 9 10 Chapter 2: Operational Considerations Overview 10 Considerations 11 8

Chapter 3: Message Formats 22 Message Structure 22 Message Types 22 Repeated Messages 23 Pre-authorization Messages 23 Financial Transaction Messages 25 File Maintenance Messages 26 Card Activation Messages 29 Reversal Messages 29 Administrative Error Messages 32 Network Management Messages 33 Bit Maps and Data Elements 34 Message Layouts 35 Bit Number and ISO Field (Data Element) Name 35 Data Type 35 Requirements Trnsmit / Recv 37 Notes 38 Pre-authorization Messages 39 0100/0101 Pre-authorization Request 39 0110 Pre-authorization Response 46 0120/0121 Pre-authorization Advice 53 0130 Pre-authorization Advice Response 60 Financial Transaction Messages 62 0200/0201 Financial Transaction Request 62 0210 Financial Transaction Response 70 0220/0221 Financial Transaction Advice 77 0230 Financial Transaction Advice Response 85 File Maintenance Messages 87 0300 Acquirer File Update Request (Negative File) SE/W Platforms 87 0302 Card Issuer File Update Request (Negative File) 89 0310 Acquirer File Update Response (Negative File) SE/W Platforms 90

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0312 Card Issuer File Update Response (Negative File) 90 0322 Negative File Update Advice 92 0332 Negative File Update Advice Acknowledgement 93 0382 PIN Change Request 93 0392 PIN Change Reply 95 0382 PIN Offset File Update Request 96 0392 PIN Offset File Update Reply 98 0382 Card Activation Request 100 0392 Card Activation Reply 100 0384 PIN Change Advice - NE Platform 102 0394 PIN Change Advice Acknowledgement - NE Platform 102 Reversal Messages 104 0420/0421 Acquirer Reversal Advice 104 0430 Acquirer Reversal Response 112 Administrative Messages 114 0620 Administrative Advice 114 Network Management Messages 115 0800 Network Management Request 115 0810 Network Management Response 116 Chapter 4: Data Element Definitions 117 STAR ISO 8583 Message Data Formats Unsupported Data Elements 117 Data Elements 119 Part 2: Reference Material 216 217 117

Chapter 5: Data Element Index 217 Data Element by Alphabetical Element Description Chapter 6: Format Options 223 ASCII/EBCDIC Table 223 Check Digit Calculation 235 Modulus 10 Check-Digit Routine Example 235 Luhn Formula 236 Example 236

235

Chapter 7: Data Element 003: Processing Codes ATM 237 Mandatory (Issuer/Acquirer) 237 Optional (Issuer/Acquirer) 238
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Point of Sale 240 Mandatory (Card-Issuer Processor Only) Mandatory (Acquirer Only) 243 Optional 243

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Chapter 8: Data Element 018: Merchant Type 244 Merchant Type Codes - Numerical Order 244 Merchant Type Codes - Alphabetical Order 276 Chapter 9: Data Element 039: Response Codes 310 317 Chapter 10: Data Element 054: Additional Amounts Overview 317 Account Balance Handling 318 Partial Amount Authorization 318 STAR SE/W Platform 318 STAR NE Platform 319 Pre-authorized Amount Completion 320 Account Type 320 Amount Type 321 Currency Code 323 Amount 324

Chapter 11: Data Element 058: National Point of Service 325 DE 058 - Position 1: Terminal Operation 325 DE 058 - Position 2: Customer Operation 325 DE 058 - Position 3: On/Off Premise 325 DE 058 - Position 4: Cardholder Present 326 DE 058 - Position 5: Card Present 326 DE 058 Position 6: Device Card Retention 327 DE 058 Position 7: Transaction Disposition 327 DE 058 Position 8: Security Condition 328 DE 058 Position 9-10: Terminal Type 329 Sample STAR ISO Acquirer P-58 Combinations 331 Chapter 12: Data Element 060: Advice/Reversal Reason Code Reversal Reason 334 Advice Reason 335 334

Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values 337 Chapter 14: Data Element 105: Large Private Data POS Payment Transactions 343 343

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Account List Inquiry 344 Account Balance Profile 346 Enhanced Balance on Receipt

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Chapter 15: Data Element 121: Additional Data, Private Issuer 352 Statement Processing 352 0200 Message Statement Data Request 352 121Additional Data, Private Issuer Statement Data Request 352 0210 Statement Data Reply Message 353 121Additional Data, Private Issuer Statement Data Reply 353 DE 121 Statement Data Fixed Segment (32 Bytes) 354 DE 121 Reply Fixed Segment (11 Bytes) 357 DE 121 Reply Detail Segment (31 Bytes) 358 DE 121 Reply Header Segment (72 Bytes) 359 DE 121 Reply Trailer Segment (72 Bytes) 359 Chapter 16: Country/Currency/State Codes Country/Currency Code 360 360

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Part 1: STAR ISO 8583 Message Format Guide

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Chapter 1

Introduction
This guide is intended for decision makers evaluating the STAR Network transaction processing and the programmers and analysts who design, implement, and support the system. The STAR ISO 8583 Message Format Guide provides information for processing online transactions using a standard ISO interface message structure on all STAR processing platforms: Northeast (NE), Southeast (SE) and West (W). It is the first book in the STAR ISO 8583 series, which consists of the following manuals: Manual Title
STAR ISO 8583 Message Format Guide

Description
The STAR ISO 8583 Message Format Guide provides information for processing online transactions using a standard ISO interface message structure on all STAR processing platforms. The STAR ISO 8583 Gateway/Product Interface Guide provides additional processing information for Gateway, Electronic Benefits Transfer, and STAR Product processing. The STAR Platform Interface Guide is the technical interface to the STAR processing interface. Information includes protocols, encryption standards and telecommunications procedures. The information presented is delineated by each STAR platform. Separate file layouts are variable by Platform and are available on the STAR STATION portal or upon request.

STAR ISO 8583 Gateway/ Product Interface Guide

STAR Platform Interface Guide

File Layouts

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Chapter 2

10

Operational Considerations
Overview
The STAR ISO 8583 message format presents many opportunities for processing and reporting. Listed below are specific considerations for clients who are unfamiliar with ISO message formats to review to determine how STAR ISO 8583 use will impact their business process:

Transaction Amount Merchant Type Code Convenience Fees (Surcharge and Rebate) Location Information Network Identifiers Merchant Authorized Submissions and Resubmissions Processing Routebacks Corrections/Cancellations Repeat Transactions

Currency Information Point of Service Information Response Codes

Additional Amount Information Merchant Authorized Transactions Matching POS Pre-authorization to Financial Completions Over/Under Dispense Reversals STAR ISO Message Handling

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Considerations
Transaction Amount
Fields DE 004 Amount, Transaction DE 005 Amount, Settlement DE 006 Amount, Cardholder Billing Considerations

When a STAR cardholder is performing an ATM or POS transaction in a currency of other than US dollars, and if the acquiring network passes "multi-currency" fields in request messages, then DE 004 will contain the transaction amount in the acquirer's currency, and will contain the transaction amount in US dollars. Therefore, when both DE 004 and DE 005 are present in the transaction, DE 005 will contain the amount to be debited from or credited to the cardholder's account. Processors should consider making both fields available on the customers statement and reporting both amounts on internal/ settlement reports. Having both amounts available will aid in resolving consumer questions relating to international transactions. Because the STAR platform is settled in US dollars and currently all STAR issuers are US-based issuers, DE 005 (Amount, Settlement) and DE 006 (Amount, Cardholder Billing) for non-US dollar transactions are always equal. When they are equal DE 006 is by default suppressed. For MasterCard transactions that include a currency conversion assessment (CCA) fee, DE 005 contains the sum of the transaction amount and the CCA. STAR issuers on the SE/W Platform have an option to be passed DE 006 - which will contain the transaction amount without the CCA fee. STAR issuers on all STAR platforms receive (or have the option to receive) the CCA fee in DE 055. For transactions involving CCA, the amount in DE 006 + DE 055 = DE 005. When a cardholder of a non-US-based issuer uses a STAR ATM or POS device, and the issuing network passes "multi-currency" fields in response messages, then the STAR ISO acquirer may receive DE 006 (Amount, Cardholder Billing) in the response message. The STAR terminal owner is not required to retain this field. See also Chapter 16 in this manual and the STAR ISO 8583 Gateway/ Product Interface Guide for additional information.

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Currency Information
Fields DE 009 Conversion Rate, Settlement DE 010 Conversion Rate, Cardholder Billing DE 016 Date, Conversion DE 019 Acquiring Institution Country Code DE 049 Currency Code, Transaction DE 050 Currency Code, Settlement DE 051 Currency Code, Cardholder Billing DE 114 Country Code, Authorizing Agent Considerations

All STAR terminal owners are within the US and settle in dollars; therefore, the STAR Switch does not support currency conversion between STAR Members. Other networks to which a STAR network is connected (e.g., CIRRUS and PLUS) support international transactions. Therefore, the currency information can be valuable for participants of the international networks. For example, if a STAR cardholder used an ATM in Europe, the STAR ISO request message would provide information about the type of currency which was dispensed, the country in which the terminal was located, the date of the currency conversion, and the rate at which the currency was converted to US dollars. If the cardholder later questioned the transaction, the issuing institution, which retains the currency information, would be able to relay the pertinent information to the cardholder.

The Acquirer Institution Country Code would be valuable to business/ marketing areas to determine where their customers are traveling to outside of the US.

Merchant Type Code


Fields Considerations DE 018 Merchant Type STAR ISO 8583 processing provides a field in the request message which identifies the type of merchant. This field is particularly important in Point of Service (POS) transactions when determining where cardholders are purchasing goods and services. Armed with this information, Card Issuers can determine appropriate authorization edits by industry and assess where cards are being used.

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Point of Service Information


Fields DE 022 Point-Of-Service Entry Mode DE 025 Point-Of-Service Condition Code DE 058 National Point-Of-Service Condition Code Considerations

DE 022 must be present for all POS transactions, and is optional (but recommended) for ATM transactions. DE 058 must be present for all transactions. Special transaction processing might also be necessary, depending upon the content in these fields. For example, the Card-Issuer Processor might want to perform special processing on a merchant authorized resubmission transaction. The Card-Issuer Processor might also use the terminal type code to determine what type of fees (if any) are to be charged to the customer. DE 025 Point-Of-Service Condition Code is optionally used/available on the STAR SE/W platforms. It may only be sent/received to supplement the information in DE 058. It may not be used without DE 058. When DE 025 is sent to STAR issuers, it will generally contain information that was received from other networks (e.g., Visa) behind STARs.

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Convenience Fees (Surcharge and Rebate)


Fields DE 028 Amount, Transaction Fee DE 029 Amount, Settlement Fee Considerations

The STAR network allows surcharging or rebating of transactions by terminal owners. The amount of the transaction must be reported separately from the amount of any surcharge/rebate in the online transaction. Note that when STAR cardholders are performing transactions in a non-US currency, and a surcharge is being assessed, the surcharge amount in DE 028 will be in the acquirer's currency, and in DE 029 in US currency. Therefore, when both DE 028 and DE 029 are present in the request message, the issuer processor must use the amount from DE 029 for posting the fee to the cardholder's account. The Card-Issuer Processor has new options relating to the handling of surcharge/rebates. First, the Card-Issuer Processor can now exclude the surcharge/rebate amount when checking the cardholder limits (thereby avoiding the problem of customers requesting their full limit being denied for over-limit because the Acquirer Processor added a surcharge). Secondly, the Card-Issuer Processor can report the transaction amount separately from the surcharge/rebate amount on the customer's statement.

Response Codes
Fields Considerations DE 039 Response Code A Card-Issuer Processor must support a minimum set of response codes. The remaining codes can be optionally supported by the Card-Issuer Processor. STAR ISO Acquirer Processors must ensure they map all of the response code values to existing terminal screens, or have created new screens to support the codes. Acquirer Processors that track response codes for reporting purposes must take into account all response codes and make modifications where necessary.

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Location Information
Fields DE 043 Card Acceptor Location DE 048 Member Institution/Merchant Name Considerations STAR ISO 8583 processing provides significantly more space for location information than many other networks. STAR Acquirer processors must populate both DE 043 and DE 048 in request messages. STAR Issuer processors will be passed DE 043 and DE 048 in all messages, thus enabling cardholder statements to list meaningful location information. See Chapter 4 of this guide for additional information.

Additional Amount Information


Fields Considerations DE 054 Additional Amounts As STAR network transaction processing options continue to increase in number, the usages of DE 054 likewise increase. See Chapter 4 and Chapter 10 of this guide for additional details.

Network Identifiers
Fields Considerations DE 063 STAR Identification Data

For transactions involving an acquiring or issuing network of other than STAR, DE 063 is used to convey a three-position alphanumeric acquirer or network "network ID" to identify the other network. DE 063 is also used to carry pseudo terminal IDs, processor IDs, and processing flags that are needed to support partial amount approvals. Please see Chapter 4 of this guide and the STAR ISO Gateway / Product Interface Guide for additional information.

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Merchant Authorized Transactions


Considerations Merchants or Merchant Processors may authorize transactions on behalf of the Card-Issuer Processor under two varying scenarios:

Scenario 1: The Merchant Processor connection to the network is unavailable and cannot receive an authorization or denial response for a transaction (this is commonly referred to as Merchant Store & Forward). Scenario 2: The Merchant or Merchant Processor receives a denial from the Card-Issuer Processor for Insufficient Funds (response code 51) or Exceeds Limit (response codes 61, 65), and chooses to over-ride the denial from the Card-Issuer Processor and approve the transaction for the customer.

Merchant Authorized Transactions, other than pre-authorized completion transactions meeting the requirements in the Operating Rules, are at the risk of the Merchant. The STAR Switch shall neither authorize nor decline Merchant Authorized Transactions on behalf of the Processor. If the Card-Issuer Processor is unavailable to authorize or decline a Merchant Authorized Transaction, the Switch shall deny the transaction as Issuer Inoperative to the Merchant or Merchant Processor. Valid response codes for Resubmission of Merchant Authorized Transactions Scenario #1 (Merchant Store & Forward) Response Code 51 55 61 65 75 76 Description Not Sufficient Funds Invalid/Incorrect PIN Exceeds Withdrawal Amount Limit Exceeds Withdrawal Frequency Limit Allowable PIN Tries Exceeded Key Sync Error Valid response codes for Resubmission of Merchant Authorized Transactions Scenario #2: Response Code 51 61 65 Description Not Sufficient Funds Exceeds Withdrawal Amount Limit Exceeds Withdrawal Frequency Limit

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Merchant Authorized Submissions and Resubmissions Processing Considerations

The initial submission of a Merchant Authorized Transaction is referred to as an 'Original Submission'. Subsequent submissions of a Merchant Authorized Transaction, following a denial of the Original Submission, are referred to as a 'Resubmission'. An Original Submission may be sent to the STAR Switch once, except when it is denied by the STAR Switch for 'Issuer Inoperative'. Original Submissions denied by the STAR Switch for 'Issuer Inoperative' may be re-sent to the network Switch once every 30 minutes until an approval or denial (other than Issuer Inoperative) is received. Data Elements for submission and resubmission transactions: DE 002 DE 013 DE 022 PAN (required if DE 035 is not provided) Local Date (date transaction occurred). Point of Service Entry Mode

Set to 021 on Submission (with Track and PIN) Set to 022 on Resubmission (with Track and without PIN) Set to 012 on Resubmission (without Track and without PIN)

DE 035

Track 2 Data on submissions (optional on resubmissions) PIN Data on submissions (not present on resubmissions) National Point of Service Condition Code

DE 052

DE 058

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Merchant Authorized Submissions and Resubmissions Processing (cont.)

STAR ISO 8583 Acquirer Processors are required to transmit the PIN, Track 2 Data and the Capture Date on the first submission of a Merchant Authorized Transaction. Resubmissions can be transmitted only one time during a 24-hour period during a 12-day time frame. In addition, the National Point of Service Condition Code must be updated. Position 7 should be set to 4 on all initial submission transactions. All resubmissions should be set to 5. All additional information contained in DE 058 should remain the same throughout the Life of the Transaction.a

a.

Life of the Transaction is defined as the initial request and response, as well as any corrective processing associated with it such as a reversal.

Corrections/Cancellations
Considerations

Following receipt of a POS transaction, any correction or cancellation of the amount of the transaction must be initiated by swiping the magnetic stripe on the card and entering the PIN. The correction or cancellation may be for all or part of the original transaction amount and must be initiated within 24 hours of the original transaction. STAR Acquirer Processors imposing a Convenience fee (surcharge) on the original transaction must separate the surcharge amount in the correction/cancellation transaction. The surcharge amount is contained in Amount, Transaction Fee (DE 028).

Routebacks
Considerations A STAR processor will find multiple records for the same transaction when the issuing and acquiring interfaces both belong to the same processor and all transaction activity is reported in one User File. An Acquirer Processor may choose to route their on-us activity to the STAR Switch, which will route it back to the processor. Note: these transactions will be fee billed twice: once for the acquirer transaction and once for the issuer transaction. The STAR NE Platform does not support this option.

Platform Distinction

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Over/Under Dispense Reversals


Fields DE 095 Replacement Amounts DE 056 Replacement, Additional Fees Considerations

Over- and under-dispense reversals are supported via an 0420 message, not as an additional debit transaction. DE 095 should be populated with the amount actually dispensed (e.g., an amount greater or less than the original amount requested). DE 095 should not be populated with amount equal to the original amount in DE 004 or DE 005, because if the amount dispensed equaled the amount requested, then reversal would have no net effect. Zero-dollar reversals (where the amount in DE 004 or DE 005 is zero) are not permitted. Transactions that include a MasterCard Currency Conversion Assessment (CCA) fee and are reversed for an over- or under-dispense, will include DE 056 to convey the replacement CCA fee. Please see Chapter 4 of this guide and the STAR ISO Gateway / Product Interface Guide for additional information.

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Matching POS Pre-authorization to Financial Completions


Fields Considerations DE 038 Authorization Identification Response

For signature debit POS transactions, the following matching criteria are recommended:

DE 002 (or DE 035 or DE 045) Primary Account Number (PAN) DE 038 Authorization ID; DE 038 is provided by the Card Issuer in the pre-authorization response and is returned in the financial completion.

Additional matching criteria that can be used for secondary matching include:

DE 004 Transaction Amount (+/- 20 25%) DE 013 Local Date DE 018 Merchant Type (Merchant Category Code or SIC) DE 127 Pre-authorization Key (assigned by Visa / MasterCard)

Platform Distinction

The following criteria are recommended for matching PIN-based POS pre-authorizations to completions on different STAR platforms.

On the STAR SE/W Platforms:


DE 002 PAN (in completions) with PAN portion of DE 035 Track 2 DE 011 System Trace Audit Number DE 041 Card Acceptor Terminal Identification

On the STAR NE Platform:


DE 002 PAN (in completions) with PAN portion of DE 035 Track 2 DE 011 System Trace Audit Number DE 035 Card Number DE 013 Local Transaction Date DE 012 Local Transaction Time DE 041 Card Acceptor Terminal Identification

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STAR ISO Message Handling


Considerations

Processors must be capable of handling any and all STAR ISO data elements in a message. Currently, a STAR ISO message can consist of any combination of data elements 001 through 128. If, for some reason, you receive a message that contains a data element that is not specified in the STAR ISO 8583 technical specifications, the processor should be able to accept the field. In addition, processors should edit to ensure mandatory fields are present in all message types where indicated and include privately required fields.

Issuers may not send fields in the response unless they are present in the request message or defined in the 0110 or 0210 message layouts.

Repeat Transactions
Platform Distinction

On the STAR SE/W platforms, if an acquirer is sending a repeat message, fields and content must be the same between the original and the repeat message (except for the message type identifier, which increases by one). For example, a repeat message for a 0100 Pre-authorization Request could have a message type identifier of 0101. If the STAR NE Platform receives a repeat transaction from an Acquirer, the Switch will format this transaction into the original message type. For example, a 0201 will be received by the STAR NE Switch and formatted into a 0200. If the STAR SE/W platform sends a 0220 or 0420 advice to an issuer and does not receive a timely 0230 or 0430 acknowledgement, then the same advice will be resent using a message type of 0221 or 0421 until an acknowledgement is received.

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Chapter 3

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Message Formats
Online communication of financial activity using the STAR ISO 8583 message format takes place via highly structured messages that flow to and from the STAR Switch. Processors, Issuers, and Acquirers must be prepared to send and receive correctly-formatted STAR ISO 8583 messages to ensure smooth online operations.

Message Structure
All messages in the STAR ISO 8583 processor interface consist of three general components:

Message Type Identifier a four-position numeric code beginning with 0, identifying the basic purpose of the message. Bit Maps a series of bits that indicate the presence or absence of possible data elements in the individual message. Data Elements the bulk of the message, a collection of data items in the order of the bit map representation.

The length of individual messages can vary depending on the number and length of the data elements that they include.

Message Types
In the four-position Message Type ID code, the first two positions identify the Message Class:

01xx = Pre-authorization Messages 02xx = Financial Transaction Messages 03xx = File Maintenance Messages 03xx = Card Activation Messages 04xx = Reversal Messages 06xx = Administrative Error Messages 08xx = Network Management Messages

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Repeated Messages
Whenever a repeat message is identified, the repeat message must be the same as the original message, except for the Message Type identifier, which increases by one. For example, the repeat of a 0100 Pre-authorization Request message would have a Message Type identifier of 0101. The STAR NE Platform does not support the indication of repeats in the Message Type identifier. If the STAR NE Switch receives a repeat transaction from an Acquirer, the transaction will be presented as the original Message Type. For example, a 0201 received by the STAR NE Switch will be formatted as a 0200.

Pre-authorization Messages
Disposition: Non-Financial Pre-authorizations occur in both PIN-based and signature debit POS transactions as the first part of a two-part POS transaction. A pre-authorization is used to validate if the cardholder has sufficient funds for a point-of-sale purchase. The transaction, produced at the time of the purchase, represents the amount to hold on the cardholder account.

All issuing Point of Sale processors must certify this message type. Optional for Point of Sale Acquirer Processors. On the STAR SE/W Platforms, Acquirer Processors who do not receive a 0110 reply after 60 seconds may optionally generate a 0101 repeat request transaction. STAR Card-Issuer Processors must be able to accept both 0100 requests and 0101 repeat request message types. Similarly, they must be able to accept both 0120 and 0121 advice messages. The 0120/0121 advices will be retransmitted to a Card-Issuer Processor once each minute until a matching 0130 is received. If a Card-Issuer Processor is unavailable when an 0120 is generated, the message will be saved and attempts at transmission will begin when communications have been reestablished. It is highly recommended that the STAR networks interleaving option be used to efficiently manage stand-in and advice notification. This feature allows those processors that have developed a large store-and-forward queue file the ability to intermingle received online with advice transaction activity.

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If a STAR processor receives invalid data element content in a pre-authorization request or an advice message, then STAR processing will deny the transaction in the 0110/0130 response message back to the acquirer using Response Code 30 (format error) and will include the data element number that is in error within DE 044. If the Issuer receives invalid data element content in a pre-authorization request message, then the Issuer should deny the transaction in the 0110 response message using Response Code 30 (format error) and should include the data element number that is in error within DE 044. STAR Issuers receiving invalid data element content in an advice message must still acknowledge the message with a 0130 message with a Response Code 00 (approved). If STAR processing receives a pre-authorization request or advice for which it is unable to parse bit or byte maps or field lengths, then STAR Networks will return a 0620 message to the acquirer. STAR Issuers should only send a 0620 message in response to a 0100 or 0200 request if they are unable to parse the bit or byte maps or the field lengths. Similarly, STAR Acquirers should only send a 0620 message in response to a 0110 or 0210 response if they are unable to parse the bit or byte maps or the field lengths. Table 3.1: Pre-authorization Message Types
Type ID 0100 Message Type Pre-authorization Request Repeat Pre-authorization Request Pre-authorization Reply Comments Both PIN-based and signature debit transactions.

0101

STAR SE/W Platforms only.

0110

To ensure appropriate matching criteria, DE 038, Authorization ID is provided by the Issuer. This information is provided in the inbound completion.

0120 0121

Pre-authorization Advice Repeat Pre-authorization Advice Advice Acknowledgement STAR SE/W Platforms only.

0130

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Financial Transaction Messages


Disposition: Financial (Settled Transactions) Financial transaction messages transport ATM and POS transactions generated by cardholders using their access cards at terminals driven by an Acquirer Processor connected to the STAR Switch.

Required for all ATM and POS Card-Issuer Processors. On the STAR SE/W Platforms, Acquirer Processors who do not receive a 0210 reply after 60 seconds may optionally generate a 0201 repeat request transaction. STAR Card-Issuer Processors must be able to accept both 0200 requests and 0201 repeat request message types. Similarly, they must be able to accept both 0220 and 0221 advice messages. The 0220/0221 advices will be retransmitted to a Card-Issuer Processor once each minute until a matching 0230 is received. If a Card-Issuer Processor is unavailable when a 0220 is generated, the message will be saved and attempts at transmission will begin when communications have been reestablished. It is highly recommended that STAR's interleaving option be used to efficiently manage stand-in and advice notification. This feature allows those processors that have developed a large store-and-forward queue file the ability to intermingle received online with advice transaction activity. If STAR processing receives invalid data element content in a financial request or advice message, then the STAR processor will deny the transaction in the 0210/0230 response message back to the acquirer using Response Code 30 (format error) and will include the data element number that is in error within DE 044. If the Issuer receives invalid data element content in a financial request message then the Issuer should deny the transaction in the 0210 response message using Response Code 30 (format error) and should include the data element number that is in error within DE 044. Issuers receiving invalid data element content in an advice message must still acknowledge the message with a 0230 with a Response Code 00 (approved). If STAR receives a financial request or advice for which it is unable to parse bit or byte maps or field lengths, then STAR Network will return a 0620 message to the acquirer. STAR Issuers should only send a 0620 message in response to a 0100 or 0200 request if they are unable to parse the bit or byte maps or the field lengths.

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Similarly, STAR Acquirers should only send a 0620 message in response to a 0110 or 0210 response if they are unable to parse the bit or byte maps or the field lengths. Table 3.2: Financial Transaction Message Types
Type ID 0200 Message Type Financial Request

Comments ATM, POS, Point of Banking transactions. Data Element DE 003 (Processing Code) defines the type of financial requested.

0201

Repeat Financial Request Financial Reply Financial Advice

STAR SE/W Platforms only.

0210 0220

Forced post transaction by the merchant acquirer. Stand-in financial transaction approved by the STAR Switch.

0221 0230

Repeat Financial Advice Financial Acknowledgement

STAR SE/W Platforms only.

File Maintenance Messages


Disposition: Administrative The Negative File Maintenance message provides the Card-Issuer Processor with the ability to maintain the STAR Negative File online. When communication is lost between the Card-Issuer Processor and the STAR Switch, the negative file is checked by the STAR Switch as part of the authorization process in stand-in. The PIN Change File Maintenance messages provides the Card-Issuer Processor with the ability to send or receive PIN change and PIN offset maintenance transactions online.

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The STAR NE Platform provides an optional service to notify an Issuer online when updates have been made to their card data. With this option, Issuers can receive an 0302 or a 0322 and respond back with a 0312 or 0332 to ensure that their own internal negative file is synchronized. Note The STAR Networks use of the 0302 message that notifies Issuers of updates to their card data on the STAR Negative File is being replaced with the 0322/0332 advice messages. Please notify your Relationship Manager if you are still receiving the 0302 messages for the STAR Negative File Updates and would prefer to receive the 0322 message. STAR SE/W Platforms can optionally generate an 0300 file update request. This message is intended to inform the Card Issuer that a cardholder PAN with a negative status has been added to the institutions processors switch negative file that is used in stand-in and added to the debit services (MasterCard Visa Check) Hot Card Status file. Table 3.3: File Maintenance Message Types
Type ID 0300 Message Type Acquirer File Update Request

Comments Normally, an Issuer-initiated request. STAR SE/W provides a negative file notification service out to Issuers for any card statused by an internal staff member. In this case, a 0300 would be sent to the Issuer. Normally, an Issuer-initiated request. STAR NE provides an optional negative file notification service out to Issuers for any card statused by any user or application other than the clients or clients initiated maintenance. Examples would include an internal STAR staff member or CV Denial functions. In this case, a 0302 would be sent to the Issuer. The STAR Networks use of the 0302 message that notifies Issuers of updates to their card data on the STAR Negative File is being replaced with the 0322/ 0332 advice messages. Please notify your Relationship Manager if you are still receiving the 0302 messages for the STAR Negative File Updates and would prefer to receive the 0322 message.

0302

Negative File Update Request

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Table 3.3: File Maintenance Message Types (cont.)


Type ID 0310 Message Type Acquirer File Update Response

Comments Normally, a STAR processor response to the Issuer. STAR SE/W provides a negative file notification service out to Issuers for any card statused by an internal staff member. In this case, a 0310 would be sent to STAR from the Issuer. Normally, a STAR processor response to the Issuer. STAR NE platform provides a negative file notification service out to Issuers for any card statused by an internal staff member. In this case, a 0312 would be sent to STAR from the Issuer. A STAR processing response to the Issuer. STAR NE provides an optional negative file notification service out to Issuers for any card statused by any user or application other than the clients or clients initiated maintenance. Examples would include an internal STAR staff member or CV Denial functions. In this case, a 0322 would be sent to the Issuer from STAR. The STAR Networks use of the 0302 message that notifies Issuers of updates to their card data on the STAR Negative File is being replaced with the 0322/ 0332 advice messages. Please notify your Relationship Manager if you are still receiving the 0302 messages for the STAR Negative File Updates and would prefer to receive the 0322 message. Normally, a STAR processor response to the Issuer. STAR NE provides an optional negative file notification service out to Issuers for any card statused by any user or application other than the clients or clients initiated maintenance. Examples would include an internal STAR staff member or CV Denial functions. In this case, a 0332 would be sent to STAR from the Issuer.

0312

Negative File Update Reply

0322

Negative File Update Advice

0332

Negative File Update Advice Acknowledgement

0382 0392

PIN Change Request PIN Change Reply

A STAR processing initiated request. An Issuer response to a STAR initiated PIN change request. An Issuer initiated request.

0382

PIN Offset File Update Request

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Table 3.3: File Maintenance Message Types (cont.)


Type ID 0384 Message Type PIN Change Advice Comments STAR NE: An advice notifying a cooperative processing Issuer that a PIN change transaction was performed and authorized on the STAR Switch. The message contains the Cardholders new PIN offset. A STAR processing response to the Issuer.

0392

PIN Offset File Update Reply PIN Change Advice Acknowledgement

0394

STAR NE: An issuer acknowledgement of a STAR initiated PIN change advice.

Card Activation Messages


Disposition: CMA Card Activation The STAR NE Platform provides an optional online service to notify an Issuer whenever a card has been activated. Once an Issuer establishes the option to receive a Card Activation Notification message, whenever a card has been activated through a pinned transaction (ATM or POS), VRU Activation, Cardholder Maintenance File (CMF), or STAR STATION CMA Activation entry, CMA will forward a 382 Card Activation Notification message to the Issuer. Because these message types are exclusively for Card Activation purposes, their layouts and further information are detailed in Chapter 4 of the STAR ISO 8583 Gateway/Product Interface Guide.

Reversal Messages
Disposition: Financial or Non-financial (reflecting the original transaction) A reversal is an electronic message, generated by the Acquirer or the STAR Switch, that serves to cancel all or part of a previously authorized STAR transaction. A reversal may not be processed as instructed for the reasons listed below:

The message cannot be delivered. The message cannot be processed. The message has been cancelled by the receiver.

Reversals have the following stipulations:

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This transaction is required for all issuing and acquiring ATM/POS processors. This transaction will be accepted as a reversal of an approved 0110 or 0210 transaction. Reversals of approved balance inquiry transactions are not supported. On the STAR SE/W Platforms, Acquirer Processors who do not receive a 0430 reply after 60 seconds may optionally generate a 0421 repeat reversal transaction. STAR Card-Issuer Processors must be able to accept both 0420 reversal and 0421 repeat reversal message types. The 0420/0421 reversals will be retransmitted to a Card-Issuer Processor once each minute until a matching 0430 is received. If a Card-Issuer Processor is unavailable when a 0420 is generated, the message will be saved and attempts at transmission will begin when communications have been reestablished. It is highly recommended that the STAR networks interleaving option be used to efficiently manage stand-in and advice notification. This feature allows those processors that have developed a large store-and-forward queue file the ability to intermingle received online with advice transaction activity. If STAR processing receives invalid data element content in a reversal messages, then STAR will acknowledge the message with a 0430 response message back to the acquirer using Response Code 30 (format error) and will include the data element number that is in error within DE 044. STAR Issuers receiving invalid data element content in a reversal message must still acknowledge the message with a 0430 with a Response Code 00 (approved). If a STAR processor receives a reversal for which it is unable to parse bit or byte maps or field lengths, then STAR will return a 0620 message to the acquirer. If the STAR Issuer receives a reversal message for which it is unable to parse bit or byte maps of field lengths, then the Issuer must minimally return a protocol-level 'ACK'. Table 3.4: Reversal Message Types
Type ID 0420 Message Type Reversal Advice Comments DE 090, Original Data Elements provides information on the original transaction. STAR NE does not send 0421 messages.

0421

Repeat Reversal Advice

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Table 3.4: Reversal Message Types (cont.)


Type ID 0430 Message Type Reversal Advice Acknowledgement Comments

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Administrative Error Messages


Disposition: Administrative Administrative messages pass system-related information between the STAR Switch and the Acquirer Processor or Card-Issuer Processor. They are used to indicate that the STAR Switch was unable to parse a message or that a mandatory data element is missing.

The STAR Switch will generate a 0620 Administrative Advice when the Switch cannot successfully parse the bit or byte maps. A 0620 message will also be generated if the processor fails to include the mandatory fields in the message. The additional data field will contain the first 255 bytes of the message in error. Processors should log the receipt of a 0620 message from the Switch for research purposes. In addition, processors should log an error message to their network console indicating that an error condition has occurred. If the Issuer receives invalid content in one or more data elements in a request message, then the Issuer should deny the transaction in the 0110/ 0210 response message using Response Code 30 (format error) and should include the data element number that is in error within DE 044. If the Issuer receives invalid content in data elements in a reversal or an advice message, the Issuer must still acknowledge the message with a 0130/0230/0430 with a Response Code 00 (approved). It is not appropriate to send a 0620 message (or a Response Code 30 reply) in these situations. Transactions responded to with a 0620 message will not have a reply or be settled by the Switch. STAR Issuers should only send a 0620 message in response to a 0100 or 0200 request if they are unable to parse the bit or byte maps or the field lengths.

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If the Issuer receives invalid content in one or more data elements in a request message, then the Issuer should deny the transaction in the 0110/ 0210 response message using Response Code 30 (format error). If the Issuer receives invalid content in data elements in a reversal or an advice message, the Issuer must still acknowledge the message with a 0130/ 0230/0430 with a Response Code 00 (approved). It is not appropriate to send 0620 messages in these situations. Table 3.5: Administrative Error Message Type
Type ID 0620 Message Type Administrative Advice Comments

Network Management Messages


Disposition: Administrative Network Management messages are used to coordinate system or network events or tasks and to communicate network status conditions.

All STAR Card-Issuer Processors and Acquirer Processors must certify the 0800 messages. For Key Management Support, the STAR Switch maintains both the current and prior values of the Acquirer Processor working key. If a transaction received from an Acquirer Processor is subsequently denied by the STAR security module for a key sync or sanity error, the Switch will attempt to translate the PIN one additional time using the prior key. When a key change message sent to a processor is rejected or not responded to, the Switch will continue to encrypt the PIN using the existing working key.

STAR strongly recommends that all processors maintain both the current and prior working key values for translation purposes. Under this methodology, processors should be able to avoid unnecessary key sync or sanity errors due to key change situations. Table 3.6: Network Management Message Types
Type ID 0800 Message Type Network Management Request Comments DE 070, Network Management Information Code is used to describe a specific purpose or function of each message.

0810

Network Management Response

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Bit Maps and Data Elements


Immediately following the Message Type identifier, a message has at least one bit map that is used to indicate which fields are present in the message. The bit maps contain a series of 64 bits used to identify the presence or absence of the data elements that are possible for that Message Type. These 64 bit positions are represented as either:

16 hexadecimal bytes (if packing of bit maps is not being used)

OR

8 binary bytes (if packing of bit maps is being used)

At the bit level of the bit maps, 1 bits indicate that the corresponding data elements are on and should be present; 0 bits indicate that the corresponding data elements are off and should not be present. All messages contain a Primary bit map. Depending on which data elements are included, a message may also have a Secondary bit map appearing immediately after the Primary. Table 3.7: Message Bit Maps
Bit Map Primary Description Present in all Message Types

Contains 64 bit positions to represent data elements 001064.

Secondary

Present in messages containing data elements above 064


Contains 64 bit positions to represent data elements 065128. If Secondary bit map is present, first position is 1.

Certain data elements for any Message Type are always required. However, not all the data elements listed for a Message Type layout given in this chapter will be found in a given instance of that message. Unnecessary data items are omitted. Thus the bit maps are necessary to identify to the processor interface which of all the possible data elements are present in each particular Message Type instance.

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Message Layouts
In the message layout tables that follow, each row represents a STAR data element that may be a part of a message of that Message Type. The message layout tables in this section have the following headings:

Bit ISO Field Name Data Type Requirements Trnsmit / Recv Notes

Bit Number and ISO Field (Data Element) Name


The number in the Bit column is a key to finding a complete description of a data element in Chapter 4: Data Element Definitions. The names shown in the ISO Field Name column are the data element names. These names correspond to and in most cases match the ISO 8583-defined field names. There are a few instances, howeverDE is an examplein which the name shown has been modified from the ISO name to better convey how the field is being used by STAR software. The first two data elements, Message Type Identifier and Primary Bit Map, are always present in any message and therefore are not numbered.

Data Type
The Data Type column of the message layout tables uses the following indicators to describe data element attributes: Table 3.8: Data Type Indicators
Indicator b Definition Binary will be hexadecimal characters if the packing option is not set. Alphabetic characters only. Numeric values (digits) only. Alphanumeric characters only. Notes Left-justified with trailing zeros.

A N AN

Left-justified with trailing spaces. Right-justified with leading zeros. Left-justified with trailing spaces.

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Table 3.8: Data Type Indicators (cont.)


Indicator ANS NS NP Definition Alphabetic, numeric and special characters. Numeric and special characters. Numeric data element that is capable of being packed, based on the database setting. The data element contains numeric digits in unsigned packed format (4-bit BCD) when the numeric packing option is set. The associated number indicates the number of digits the data element contains.

Notes Left-justified with trailing spaces. Left-justified with trailing spaces. When the numeric packing option is set, all lengths are 1-byte binary. Odd-length packed numerics have a leading zero to ensure that data elements begin and end on byte boundaries.

LLV

Variable data field that can have a length range of 1-99. When the packing option is not set, the variable-length subfield is 2 numeric characters long. Otherwise, the variable-length subfield is one byte long. Variable data field that can have a length range of 1-255. When the packing option is not set, the variable-length subfield is 3 numeric characters long. Otherwise, the variable-length subfield is one byte long. C indicates a positive amount (credit). D indicates a negative amount (debit). For zero amounts, 0 may be used.

The maximum data element length that can be represented by the packed 1-byte binary is 255. The length of a variable-length field may exceed the maximum message size defined by STARs software. If this occurs, only the message size defined by STAR will pass through the Switch.

LLLV

For financial transactions, the value of the amount (credit or debit) is given from the cardholders perspective.

Throughout the message layout tables that follow, the length of the variable-length sub-element (Byte Map) is shown as if the numeric packing option is not set. If the numeric packing option is set, all length sub-elements are one byte long. The 1-byte binary allows a maximum data field length of 255. With the numeric packing database option turned on, no data field may be longer than 255.

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Requirements Trnsmit / Recv


The Trnsmit (Transmit) and Recv (Receive) columns contain indicators of whether individual data elements within a message are always, sometimes, or never required: Table 3.9: Requirements Indicators
Indicator M Description Mandatory The data element must be present in the message. Issuers/ Acquirers should populate their messages and/or edit accordingly. Conditional The data element must be present when specific conditions are satisfied. The applicable conditions are generally identified in the Notes column. Optional The data element is optional and may be provided at the option of the originator of the message. If the data element is present in the message, it may or may not be forwarded. Some elements may be unsupported. The data element is not present for this message instance.

The data elements defined by STAR as conditional or optional may be required to interchange with endpoints using other message structures. Refer to the STAR ISO 8583 Gateway/Product Interface Guide for the specific link to determine additional data element requirements.

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Notes
The Notes column provides additional clarifications on the use of the element in the online message. For a full description of each data elements usage, refer to Chapter 4: Data Element Definitions of this document and/or the STAR ISO 8583 Gateway/Product Interface Guide. Table 3.10: Format Abbreviations and Common Notes
Notes MM DD YY hh mm ss Multi-Currency Field Month (01-12) Day (01-31) Year (00-99) Hour (00-23) Minute (00-59) Second (00-59) Field may be present when the transaction involves more than one currency. Specifically, additional fields may be passed when the local (acquiring) currency, the switch settlement currency (US dollars), and the cardholder currency are not all the same. Description

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Pre-authorization Messages
0100/0101 Pre-authorization Request
Table 3.11: 0100/0101 Pre-authorization Request
Requirements Bit ISO Field Name Message Type Data Type N4 Trnsmit M Recv M

Notes Always 0100 initially. 0101 if repeated by Acquirer.

001

Bit Map, Primary Bit Map, Secondary

b64 b64

M C

M C Required if fields are specified in DE 065 to DE 128.

002

Primary Account Number

LLV N19

Required if PAN is manually entered. If electronically captured, DE 035 or DE 045 must be present.

003 004 005 006

Processing Code Amount, Transaction Amount, Settlement Amount, Cardholder Billing Transmission Date & Time

N6 N12 N12 N12

M M C C

M M C C Multi-Currency Field Multi-Currency Field

007

N10

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

008

Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing

N8

Unsupported

009

N8

Multi-Currency Field

010

N8

Multi-Currency Field

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements Bit 011 ISO Field Name System Trace Audit Number Time, Local Transaction Date, Local Transaction Date, Expiration Data Type N6 Trnsmit M Recv M Notes

012 013 014

N6 N4 N4

M M O

M M O

hhmmss MMDD

Signature debit if Track 1 or 2 data is not available. YYMM STAR business date. MMDD Multi-Currency Field. Return if available. MMDD

015

Date, Settlement

N4

016

Date, Conversion

N4

017 018 019

Date, Capture Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code

N4 N4 N3

O M C

O C C

MMDD

022

N3

023 025

N3 N2

O O

C O

Present if sent by another network. See the STAR ISO 8583 Gateway/Product Interface Guide.

026

Point-Of-Service PIN Capture Code Authorization Identification Response Length

N2

027

N1

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements Bit 028 ISO Field Name Amount, Transaction Fee Amount, Settlement Fee Amount, Processing Fee Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID Data Type X + N8 Trnsmit O Recv O Notes

029 030 031

X + N8 X + N8 X + N8

O O O

O O O Unsupported Unsupported

032

LLV N11

033

LLV N11

Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.

035

Track 2

LLV NS37

If electronically captured, DE 035 (or DE 045 from non-STAR Acquirers) must be present.

037

Retrieval Reference Number Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code Card Acceptor Location

AN12

040 041

AN3 AN8

O M

O M

Unsupported

042

ANS15

Required for STAR POS Acquirers. Sent, if available. Reg. E data required for STAR Acquirer Processors.

043

AN40

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements Bit 045 ISO Field Name Track 1 Data Type LLV ANS76 Trnsmit Recv C

Notes Present if sent by another network. May optionally be passed to signature debit issuers. STAR acquirers should not send this data. If electronically captured, DE 035 or DE 045 will be present. See STAR ISO 8583 Gateway/Product Interface Guide.

047

Additional Data, National Merchant/Bank Name

LLLV ANS..100 LLLV ANS025 M

Electronic Commerce Indicators & UCAF data. Reg. E Data required for all STAR Acquirer Processors. 840 = US

048

049

Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing PIN Data Additional Amounts

N3

050

N3

Multi-Currency Field

051

N3

Multi-Currency Field

052 054

b64 LLLV ANS120 LLLV N003 LLLV N010

C O

C O

057 058

Authorization Life National Point-Of-Service Condition Code National Point-Of-Service Geographic Data

M M

M M

059

LLLV AN017

Not required by the STAR network, but may be required by interfacing networks.

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements Bit 061 ISO Field Name Acquirer Transport Data Data Type LLLV ANS100 Trnsmit O Recv O Notes Will be echoed in response, but not forwarded to Issuer.

063

STAR Data

LLLV ANS050 AN2

Byte Map

Required to indicate the presence of the subfields. Must be first subfield. Mandatory for STAR Acquirers.

Pseudo Term

AN6

Issuer Network Identification Acquirer Network Identification Processor ID

AN3

AN3

AN6 N2 LLV ANS28

O O C

M O C

Switch-filled Unsupported Used for Co-op Issuers (STAR NE Platform only). Unsupported

067 102

Extended Payment Code Account

103 104

Account Identification 2 Interchange Group Identifier

LLV ANS28 LLLV ANS100

O C

O C

Required for POS Acquirer Processors. Also see Chapter 13 in this manual.

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements Bit 111 ISO Field Name Additional Data, Private Acquirer Data Type LLLV AN255 Trnsmit O Recv O

Notes SE/W platforms only. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide.

113

Card Issuer Identification Code Account Qualifiers

LLLV N011

120

LLLV AN006 LLLV AN011

122

Sponsor Bank ID

SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide.

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements Bit 123 ISO Field Name AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits Data Type LLLV ANS255 Trnsmit C Recv C

Notes See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide. Only present if required by or transmitted from another network. MICR data sent only if available. For Issuers that elect to receive the ALL STAR Indicator Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

125

Network Management Information/Tagged Issuer Data Acquirer Trace Data

LLLV ANS56

127

LLLV ANS100

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0110 Pre-authorization Response


Table 3.12: 0110 Pre-authorization Response
Requirements Bit 001 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Data Type N4 b64 b64 Trnsmit M M M Recv M M M Required if fields specified in DE 065 to DE 128. Required, if received in 010x message. Notes Always 0110.

002

Primary Account Number Processing Code Amount, Transaction

LLV N19

003 004

N6 N12

M M

M M Copied from the 010x message. Multi-Currency Field Multi-Currency Field

005 006 007

Amount, Settlement Amount, Cardholder Transmission Date & Time

N12 N12 N10

C C M

C C M

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

008

Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing System Trace Audit Number Time, Local Transaction

N8

Unsupported

009

N8

Multi-Currency Field

010

N8

Multi-Currency Field

011

N6

Copied from the 010x message.

012

N6

Copied from the 010x message. hhmmss

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Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements Bit 013 ISO Field Name Date, Local Transaction Data Type N4 Trnsmit M Recv M

Notes Copied from the 010x message. MMDD May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. YYMM STAR business date. MMDD Multi-Currency Field Return if available. MMDD

014

Date, Expiration

N4

015

Date, Settlement

N4

016

Date, Conversion

N4

017 018

Date, Capture Merchant Type

N4 N4

O O

O C

MMDD May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

019

Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code Amount, Transaction Fee

N3

022

N3

023 025

N3 N2

O O

C O

028

X + N8

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Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements Bit 029 030 031 ISO Field Name Amount, Settlement Fee Amount, Processing Fee Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID Data Type X + N8 X + N8 X + N8 Trnsmit O O O Recv O O O Unsupported Unsupported Notes

032

LLV N11

Copied from the 010x message. Echoed only if sent by the Acquirer. Required if received in 010x message. Copied from the 010x message. Required for participation in some links. If the response code is 30, then Additional Response Data (DE 044) contains the data element number in error. Unsupported Copied from the 010x message. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

033

LLV N11

035

Track 2

LLV NS37

037

Retrieval Reference Number Authorization Identification Response

AN12

038

AN6

039

Response Code

AN2

040 041

Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code Card Acceptor Location

AN3 AN8

O M

O M

042

ANS15

043

AN40

044

Additional Response Data Track 1

LLV AN25

045

LLV ANS76

Required if received in 0100 message.

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Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements Bit 047 ISO Field Name Additional Data, National Merchant/Bank Name Data Type LLLV ANS..100 LLLV ANS025 O Trnsmit Recv C Notes Electronic Commerce Indicators & UCAF data. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Copied from the 010x message. Multi-Currency Field

048

049

Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing Additional Amounts

N3

050

N3

051

N3

Multi-Currency Field

054

LLLV ANS120

Return if additional amounts are needed or balance returned. Required if received in the 0xxx message Reversal May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Not used by the STAR network, but may be required by interfacing networks. Required if in 010x message.

055

Additional Fees

LLLV ANS088 LLLV N003 LLLV N010

057 058

Authorization Life National Point-Of-Service Condition Code

O M

O M

059

National Point-Of-Service Geographic Data

LLLV AN017

061

Acquirer Transport Data

LLLV ANS100 LLLV ANS050

063

STAR Data

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Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements Bit

ISO Field Name Byte Map

Data Type AN2

Trnsmit M

Recv M

Notes Required to indicate the presence of the subfields. Must be first subfield.

Pseudo Term Issuer Network Identification Acquirer Network Identification

AN6 AN3

M O

M C

AN3

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Switch-filled Unsupported May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Unsupported

Processor ID

AN6 N2 LLV ANS28

O O O

M O O

067 102

Extended Payment Code Account Identification 1

103 104

Account Identification 2 Interchange Group Identifier

LLV ANS28 LLLV ANS100

O O

O O

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Also see Chapter 13 in this manual.

105

Large Private Data

LLLV ANS185

Mandatory when Processing Code is 35xx00 (Account List Inquiry Data).

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Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements Bit 113 ISO Field Name Card Issuer Identification Code AuthorizIng Agent Country Code Account Qualifiers Data Type LLLV N011 Trnsmit M Recv M Notes

114

LLLV AN003 LLLV AN006

120

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 9 in the STAR ISO 8583 Gateway/Product Interface Guide for additional information.

121

Additional Data, Private Issuer

LLLV ANS999

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Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements Bit 122 ISO Field Name Sponsor Bank ID Data Type LLLV AN011 Trnsmit O Recv

Notes STAR SE/W Platforms only. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide. Only present if required by or transmitted from another network. May be returned , if received in the request (if the Card-Issuer Processor wants to receive this field in a reversal for a late response). Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages.

123

AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits

LLLV ANS255

125

Network Management Information/Tagged Issuer Data

LLLV ANS56

126

Issuer Trace ID

LLLV ANS100 LLLV ANS100

127

Acquirer Trace Data

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

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0120/0121 Pre-authorization Advice


Table 3.13: 0120/0121 Pre-authorization Advice
Requirements Bit ISO Field Name Message Type Data Type N4 Trnsmit M Recv M

Notes 0120 for initial advice. 0121 if repeated.

001

Bit Map, Primary Bit Map, Secondary

b64 b64

M C

M C Required if fields specified in DE 065 to DE 128.

002

Primary Account Number

LLV N19

Required if PAN is manually entered or track data is unavailable. STAR Issuers will receive either DE 002 or DE 035

003 004 005 006

Processing Code Amount, Transaction Amount, Settlement Amount, Cardholder Billing Transmission Date & Time

N6 N12 N12 N12

M M C C

M M C C Multi-Currency Field Multi-Currency Field

007

N10

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

008

Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing Systems Trace Audit Number

N8

Unsupported

009

N8

Multi-Currency Field

010

N8

Multi-Currency Field

011

N6

Copied from 01xx.

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Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements Bit 012 ISO Field Name Time, Local Transaction Data Type N6 Trnsmit M Recv M

Notes Copied from 01xx. hhmmss Copied from 01xx. MMDD May be present if key-entered. YYMM STAR business date. MMDD Multi-Currency Field MMDD Current Acquirer Processor date. MMDD May be present if transmitted in the 01xx.

013

Date, Local Transaction

N4

014

Date, Expiration

N4

015

Date, Settlement

N4

016

Date, Conversion

N4

017

Date, Capture

N4

018

Merchant Type

N4

Required for STAR ATM & POS. Required if not US (840).

019

Acquiring Institution Country Code Point-Of-Service Entry Mode

N3

022

N3

Required for transactions from a point of sale device. May be used to send a card sequence (plastic) number if Track 2 (DE 035) is not sent. Unsupported

023

Card Sequence Number

N3

025

Point-Of-Service Condition Code

N2

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Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements Bit 028 ISO Field Name Amount, Transaction Fee Amount, Settlement Fee Amount, Processing Fee Amount, Settlement Processing Fee Acquiring Institution Identification Code Track 2 Data Data Type X + N8 Trnsmit O Recv O Notes

029 030 031

X + N8 X + N8 X + N8

O O O

O O O Unsupported Unsupported

032

LLV N11

035

LLV NS37

STAR Acquirers should send if track data is electronically captured. STAR Issuers will receive either DE 002 or DE 035.

037

Retrieval Reference Number Authorization ID

AN12

Must be copied from 01xx.

038

AN6

Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

039 040 041

Response Code Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code

AN2 AN3 AN8

M O M

M O M Unsupported

042

ANS15

Copied from the 010x message if available.

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Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements Bit 043 ISO Field Name Card Acceptor Location Data Type AN40 Trnsmit M Recv C Notes Reg. E data, required for all STAR POS Acquirer Processors Card-Issuer Processors may or may not receive this data.

045

Track 1

LLV ANS76

Present if sent by another network. May optionally be passed to signature debit issuers. STAR acquirers should not send this data. See STAR ISO 8583 Gateway/Product Interface Guide.

047

Additional Data, National Merchant/Bank Name

LLLV ANS..100 LLLV ANS025 M

Electronic Commerce Indicators & UCAF data. Reg. E data, required for all STAR POS Acquirer Processors Card-Issuer Processors may or may not receive this data.

048

049

Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing Additional Amounts

N3

050

N3

Multi-Currency Field

051

N3

Multi-Currency Field

054

LLLV ANS120

Sent if transaction related amounts are present. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

057

Authorization Life Cycle

LLLV N003

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Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements Bit 058 ISO Field Name National Point-Of-Service Condition Code National Point-Of-Service Geographic Data Advice / Reversal Code Data Type LLLV N010 Trnsmit M Recv M Notes

059

LLLV AN017

Not used by STAR but may be required by interfacing networks.

060

LLLV AN006 AN2

Byte Map

Required to indicate the presence of subfields.

Advice Reason

ANS2 LLLV ANS100

C O

C O Will be echoed in response but will not be forwarded to the Card-Issuer Processor.

061

Acquirer Transport Data

063

STAR Data

LLLV ANS050 AN2

Byte Map

Required to indicate the presence of the subfields. Must be first subfield. Mandatory for STAR Acquirer Processors.

Pseudo Term

AN6

Issuer Network Identification Acquirer Network Identification Processor ID

AN3

AN3

AN6 N2 LLV ANS28

O O O

M O O

Switch-filled Unsupported Used for Co-op Issuers (STAR NE Platform only).

067 102

Extended Payment Code Account Identification 1

103

Account Identification 2

LLV ANS28

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Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements Bit 104 ISO Field Name Interchange Group Identifier Data Type LLLV ANS100 Trnsmit C Recv C

Notes Required for POS Acquirer Processors. Also see Chapter 13 in this manual. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 8 in the STAR ISO 8583 Gateway / Product Interface Guide.

111

Additional Data, Private Acquirer

LLLV AN255

113

Card Issuer Identification Code Account Qualifiers

LLLV N011

120

LLLV AN006

Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

122

Sponsor Bank ID

LLLV AN011

SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. See STAR ISO 8583 Gateway/Product Interface Guide.

123

AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits Network Management Information/Tagged Issuer Data

LLLV ANS255

See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide. For Issuers that elect to receive the ALL STAR Indicator.

125

LLLV ANS56

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Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements Bit 127 ISO Field Name Acquirer Trace ID Data Type LLLV ANS100 Trnsmit C Recv C

Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

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0130 Pre-authorization Advice Response


Table 3.14: 0130 Pre-authorization Advice Response
Requirements Bit 003 004 005 007 ISO Field Name Message Type Bit Map, Primary Processing Code Amount, Transaction Amount, Settlement Transmission Date & Time Data Type N4 b64 N6 N12 N12 N10 Trnsmit M M M M C M Recv M M M M C M Multi-Currency Field

Notes Always 0130.

Updated by each processing end-point. Greenwich Mean Time. MMDDhhmmss

009

Conversion Rate, Settlement System Trace Audit Number Time, Local Transaction

N8

Multi-Currency Field

011

N6

Copied from the 012x.

012

N6

Copied from the 012x. hhmmss Copied from the 012x. MMDD STAR business date. MMDD

013

Date, Local Transaction

N4

015

Date, Settlement

N4

028

Amount, Transaction Fee Amount, Settlement Fee Retrieval Reference Number Response Code

X+N8

Required if received in the 012x. Multi-Currency Field Copied from the 012x.

029 037

X+N8 AN12

C M

C M

039

AN2

STAR Issuers must return 00.

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Table 3.14: 0130 Pre-authorization Advice Response (cont.)


Requirements Bit 044 ISO Field Name Additional Response Data Data Type LLV AN25 Trnsmit Recv C Notes Used by STAR to provide information to Acquirers about the nature of edit errors in conjunction with Response Code (DE 039) of '30'. Copied from the 012x.

049

Currency Code, Transaction Currency Code, Settlement Additional Fees

N3

050

N3

Multi-Currency Field

055

LLLV ANS088 LLLV ANS100 LLLV ANS050 AN2

Required if received in the 0xxx message Required if present in 012x.

061

Acquirer Transport Data

063

STAR Data

Byte Map

Required to indicate the presence of the subfields. Must be first subfield.

Pseudo Term

AN6

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Financial Transaction Messages


0200/0201 Financial Transaction Request
Table 3.15: 0200/0201 Financial Transaction Request
Requirements Bit ISO Field Name Message Type Data Type N4 Trnsmit M Recv M

Notes 0200 initially. 0201 if repeated by Acquirer Processor.

001

Bit Map, Primary Bit Map, Secondary

b64 b64

M C

M C Required if fields specified in DE 065 to DE 128.

002

Primary Account Number

LLV N19

Required if PAN is manually entered. If electronically captured, DE 035 (or DE 045 from non-STAR Acquirers) must be present.

003 004

Processing Code Amount, Transaction

N6 N12

M M

M M All zeros when Processing Code (DE 003) = 39xx00 or 91xx00. Multi-Currency Field Multi-Currency Field

005 006 007

Amount, Settlement Amount, Cardholder Transmission Date & Time

N12 N12 N10

C C M

C C M

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

008

Amount, Cardholder Billing Fee Conversion Rate, Settlement

N8

Unsupported

009

N8

Multi-Currency Field

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Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements Bit 010 ISO Field Name Conversion Rate, Cardholder Billing Systems Trace Audit Number Time, Local Transaction Date, Local Transaction Date, Expiration Data Type N8 Trnsmit C Recv C Notes Multi-Currency Field

011

N6

012 013 014

N6 N4 N4

M M O

M M O

hhmmss MMDD

May be present if key-entered. YYMM STAR business date. MMDD Multi-Currency Field MMDD Current Acquirer Processor date. MMDD

015

Date, Settlement

N4

016

Date, Conversion

N4

017

Date, Capture

N4

018 019

Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number

N4 N3

M C

C C Required if not US (840).

022

N3

Required for POS.

023

N3

May be used to send a card sequence (plastic) number if Track 2 (DE 035) is not sent.

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Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements Bit 025 ISO Field Name Point-Of-Service Condition Code Data Type N2 Trnsmit O Recv O

Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

026

Point-Of-Service PIN Capture Code Authorization Identification Response Length Amount, Transaction Fee

N2

027

N1

028

X + N8

Mandatory for Acquirer Processors collecting a Convenience fee or providing a customer rebate. Unsupported Unsupported Unsupported

029 030 031

Amount, Settlement Fee Amount, Processing Fee Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID

X + N8 X + N8 X + N8

O O O

O O O

032

LLV N11

033

LLV N11

Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.

035

Track 2 Data

LLV NS37

If electronically captured, DE 035 (or DE 045 from non-STAR Acquirers) must be present.

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Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements Bit 037 ISO Field Name Retrieval Reference Number Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code Data Type AN12 Trnsmit M Recv M Notes

040 041

AN3 AN8

O M

O M

Unsupported

042

ANS15

Required for STAR point of sale Acquirer Processors. Reg. E Data

043 045

Card Acceptor Location Track 1

AN40 LLV ANS76

M C

Present if sent by another network. May optionally be passed to signature debit issuers. STAR acquirers should not send this data. If electronically captured, DE 035 or DE 045 will be present. See STAR ISO 8583 Gateway/Product Interface Guide.

048

Merchant/Bank Name

LLLV ANS025

Reg. E Data, required for all STAR Acquirer Processors. Card-Issuer Processors may or may not receive this data.

049

Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing PIN Data

N3

050

N3

Multi-Currency Field

051

N3

Multi-Currency Field

052

b64

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Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements Bit 054 ISO Field Name Additional Amounts Data Type LLLV ANS120 Trnsmit C Recv C Notes Sent if transaction-related amounts are present, e.g., cash back in a deposit.

055

Additional Fees

LLLV ANS088

Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

058

National Point-Of-Service Condition Code National Point-Of-Service Geographic Data Acquirer Transport Data

LLLV N010

059

LLLV AN017

061

LLLV ANS100

Will be echoed in response but will not be forwarded to the Card-Issuer Processor.

063

STAR Data

LLLV ANS50 AN2

Byte Map

Required to indicate the presence of the subfields. Must be first subfield. Mandatory for STAR Acquirer Processors. Assigned by STAR staff.

Pseudo Term

AN6

Issuer Network Identification Acquirer Network ID: Transaction Identification

AN3

AN3

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Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements Bit

ISO Field Name Processor ID

Data Type AN6 N2 AN25

Trnsmit O O C

Recv M O C

Notes Switch-filled Unsupported See Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Used for Co-op Issuers (STAR NE Platform only). Required for POS Acquirer Processors. Also see Chapter 14 in this manual. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. In Account Balance Profile (39xx00) transactions, required for Co-op processors only. Value = E if Issuer and ATM support Enhanced Balance feature Also see Chapter 14 in this manual. For MasterCard POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

067 098

Extended Payment Code Payer/Payee Data

102 103 104

Account Identification 1 Account Identification 2 Interchange Group Identifier

LLV ANS28 LLV ANS28 LLLV ANS100

O O C

O O C

105

Large Private Data

LLLV ANS255

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Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements Bit 113 ISO Field Name Card Issuer Identification Code Data Type LLLV N011 Trnsmit O Recv O

Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

120

Account Qualifiers

LLLV AN006

Details are available in the STAR ISO 8583 Gateway/Product Interface Guide. For Statement Data (91xx 00) transactions, nn = 32. See Chapter 15 in this manual for details.

121

Additional Data, Private Issuer

LLLV ANSnn

122

Sponsor Bank ID

LLLV AN011

SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide.

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Chapter 3: Message Formats

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Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements Bit 123 ISO Field Name AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits Data Type LLLV ANS255 Trnsmit C Recv C

Notes See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide for detailed information. Only present if required by or transmitted from another network. MICR data sent only if available

125

Network Management Information/Tagged Issuer Data Acquirer Trace ID

LLLV ANS56

For Issuers that elect to receive the ALL STAR Indicator.

127

LLLV ANS100

Only present if required by or transmitted from another network. Also see Chapter 12 in the STAR ISO 8583 Gateway /Product Interface Guide.

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0210 Financial Transaction Response


Table 3.16: 0210 Financial Transaction Response
Requirements Bit 001 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Data Type N4 b64 b64 Trnsmit M M M Recv M M M Required if fields specified in DE 065 to DE 128. Required if received in 020x message. Notes Always 0210.

002

Primary Account Number Processing Code Amount, Transaction

LLV N19

003 004

N6 N12

M M

M M Copied from the 020x message. Multi-Currency Field Multi-Currency Field

005 006 007

Amount, Settlement Amount, Cardholder Transmission Date & Time

N12 N12 N10

C C M

C C M

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

008

Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing System Trace Audit Number Time, Local Transaction

N8

Unsupported

009

N8

Multi-Currency Field

010

N8

Multi-Currency Field

011

N6

Copied from the 020x message.

012

N6

Copied from the 020x message. hhmmss

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Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements Bit 013 ISO Field Name Date, Local Transaction Data Type N4 Trnsmit M Recv M

Notes Copied from the 020x message. MMDD

014 015

Date, Expiration Date, Settlement

N4 N4

O M

O M

YYMM

STAR business date. MMDD Multi-Currency Field Returned if available. MMDD May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. MMDD

016

Date, Conversion

N4

017

Date, Capture

N4

018 019

Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code Amount, Transaction Fee Amount, Settlement Fee Amount, Processing Fee

N4 N3

O O

C C

022

N3

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

023 025

N3 N2

O O

C O

028

X + N8

Required if present in 020x. Multi-Currency Field Unsupported

029 030

X + N8 X + N8

O O

C O

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Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements Bit 031 ISO Field Name Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID Data Type X + N8 Trnsmit O Recv O Notes Unsupported

032

LLV N11

Copied from the 020x message. Echoed only if sent by the Acquirer. Required if received in 020x message. Copied from the 020x message.

033

LLV N11

035

Track 2 Data

LLV NS37

037

Retrieval Reference Number Authorization Identification Response

AN12

038

AN6

Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

039

Response Code

AN2

If the response code is 30, then Additional Response Data (DE 044) contains the data element number in error. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Copied from the 020x message. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

040

Service Restriction Code

AN3

041

Card Acceptor Term Identification Card Acceptor Identification Code Card Acceptor Location

AN8

042

ANS15

043

AN40

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Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements Bit 044 ISO Field Name Additional Response Data Track 1 Data Type LLV AN25 Trnsmit C Recv C Notes

045

LLV ANS76

Required if received in 0200 message. C May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Copied from the 020x message. Multi-Currency Field

048

Merchant/Bank Name

LLLV ANS025

049

Currency Code, Transaction Currency Code, Settlement Additional Amounts

N3

050

N3

054

LLLV AN120 LLLV ANS088 LLLV N010

Required if in 020x message. Required if received in the 0xxx message Copied from the 020x message.

055

Additional Fees

058

National Point-Of-Service Condition Code National Point-Of-Service Geographic Data Acquirer Transport

059

LLLV AN017

061

LLLV ANS100

Required if in 020x message data.

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Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements Bit 063 ISO Field Name STAR Data Data Type LLLV ANS050 AN2 Trnsmit M Recv M Notes

Byte Map

Required to indicate the presence of the subfields. Must be first subfield.

Pseudo Term Issuer Network Identification Acquirer Network ID: Transaction Identification

AN6 AN3

M C

M C

AN3

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Switch-filled Unsupported See Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

Processor ID

AN6 N2 AN25

O O C

M O C

067 098

Extended Payment Code Payer/Payee Data

102 103 104

Account Identification 1 Account Identification 2 Interchange Group Identifier

LLV ANS28 LLV ANS28 LLLV ANS100

O O O

O O O

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Also see Chapter 14 in this manual. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

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Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements Bit 105 ISO Field Name Large Private Data Data Type LLLV ANS255 Trnsmit C Recv C

Notes For Account Balance Profile (39xx00) transactions, required on transmit, optional on receive. Provides enhanced balance amounts, text, and other information. For Receiver/Send Data, also see Chapter 13 in this manual and Chapter 12 in the STAR ISO 8583 Gateway/ Product Interface Guide.

111

Additional Data, Private Acquirer Card Issuer Identification Code Authorizating Agent Country Code Account Qualifiers

LLLV AN255 LLLV AN011 LLLV AN003 LLLV AN006 LLLV ANSnnn

113

114

120

121

Additional Data, Private Issuer

For Statement Data (91xx00) transactions, nnn varies. See Chapter 15 in this manual for detailed information.

122

Sponsor Bank ID

LLLV AN011

STAR SE/W platforms only. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

STAR ISO 8583 MESSAGE FORMAT GUIDE


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Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements Bit 123 ISO Field Name AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits Data Type LLLV ANS255 Trnsmit C Recv C

Notes See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide for detailed information. Only present if required by or transmitted from another network. May be returned , if received in the request (if the Card-Issuer Processor wants to receive this field in a reversal for a late response). Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages.

125

Network Management Information/Tagged Issuer Data

LLLV ANS56

126

Issuer Tracer ID

LLLV ANS100

May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

127

Acquirer Trace ID

LLLV ANS100

Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

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0220/0221 Financial Transaction Advice


Table 3.17: 0220/0221 Financial Transaction Advice
Requirements Bit ISO Field Name Message Type Data Type N4 Trnsmit M Recv M

Notes 0220 for initial advice. 0221 for repeat advice.

001

Bit Map, Primary Bit Map, Secondary

b64 b64

M C

M C Required if message contains data elements in the range of 065 to 128.

002

Primary Account Number

LLV N19

STAR acquirer processors must send DE 002 in all completion advices. STAR issuer processors will receive DE 002 in all completion advices (although STAR switch stand-in advice messages may carry DE 035 instead).

003

Processing Code

N6

STAR acquirers should copy from the 0110. DE 003 may not match that of the 0110 for other acquiring networks

004 005 006

Amount, Transaction Amount, Settlement Amount, Cardholder Billing Transmission Date & Time

N12 N12 N12

M C C

M C C Multi-Currency Field Multi-Currency Field

007

N10

Updated by each processing end. Greenwich Mean Time. MMDDhhmmss

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Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements Bit 008 ISO Field Name Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing System Trace Audit Number Time, Local Transaction Data Type N8 Trnsmit O Recv O Notes Unsupported

009

N8

Multi-Currency Field

010

N8

Multi-Currency Field

011

N6

Copied from 01xx, 02xx.

012

N6

Copied from 01xx, 02xx. hhmmss Copied from 01xx, 02xx. MMDD

013

Date, Local Transaction

N4

014 015

Date, Expiration Date, Settlement

N4 N4

C M

C M

YYMM

STAR Business Date MMDD Multi-Currency Field MMDD

016

Date, Conversion

N4

017 018 019

Date, Capture Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number

N4 N4 N3

O M C

C C C

MMDD

Required if not US (840).

022

N3

Required for transactions from a POS device. May be used to send a card sequence (plastic) number if Track 2 (DE 035) data present.

023

N3

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Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements Bit 025 ISO Field Name Point-Of-Service Condition Code Data Type N2 Trnsmit O Recv O

Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

028

Amount, Transaction Fee

X + N8

Required for Acquirer Processors collecting a Convenience fee or providing a customer rebate. Multi-Currency Field Unsupported Unsupported

029 030 031

Amount, Settlement Fee Amount, Processing Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID

X + N8 X + N8 X + N8

C O O

C O O

032

LLV N11

033

LLV N11

Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.

035

Track 2 Data

LLV NS37

STAR issuer processors will not receive DE 035 in completion advices (although STAR switch stand-in advice messages may carry it). M Must be copied from 01xx / 02xx. Must be copied from 0110 / 0210 if available.

037

Retrieval Reference Number Authorization ID Response Response Code

AN12

038

AN6

039

AN2

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Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements Bit 040 041 ISO Field Name Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code Card Acceptor Location Track 1 Data Type AN3 AN8 Trnsmit O M Recv O M Notes Unsupported Must be copied from 01xx / 02xx. Required for STAR POS Acquirer Processors. Reg. E Data STAR issuer processors will not receive DE 045 in completion advices (although STAR switch stand-in advice messages may carry it if a financial request is received from another network and it contains DE 045). Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

042

ANS15

043 045

AN40 LLV ANS76

M C

047

Additional Data, National

LLLV ANS..100

048

Merchant/Bank Name

LLLV ANS025

Reg. E Data, required for all STAR ATM and POS Acquirer Processors. Sent to Card-Issuer Processors if available (as non-STAR networks may not send).

049

Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing

N3

050

N3

Multi-Currency Field

051

N3

Multi-Currency Field

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Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements Bit 054 ISO Field Name Additional Amounts Data Type LLLV ANS120 Trnsmit C Recv C Notes Sent if transaction-related amounts are present.

055

Additional Fees

LLLV ANS088

Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

058

National Point-Of-Service Condition Code

LLLV N010

STAR pre-authorized completions must/will have 88 in positions 4-5.

059

National Point-Of-Service Geographic Data Advice / Reversal Code

LLLV AN017

Acquirers may need to send if they participate in a network that requires it.

060

LLLV AN006 AN2

Byte Map

Required to indicate the presence of the subfields.

Reversal Reason Advice Reason

ANS2 ANS2 LLLV ANS100

O M O

O M O Will be echoed in response, but will not be forwarded to the Card-Issuer Processor.

061

Acquirer Transport Data

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Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements Bit 063 ISO Field Name STAR Data Data Type LLLV ANS050 AN2 Trnsmit M Recv M Notes

Byte Map

Required to indicate the presence of the subfields. Must be first subfield.

Pseudo Term Issuer Network Identification

AN6 AN3

M C

M C Recommended that Acquirer should send from what was received in the 0110 or 0210.

Acquirer Network Identification Processor ID

AN3

AN6 N2 AN25

O O C

M O C

Switch-filled Unsupported Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Copied from 0110.

067 098

Extended Payment Code Payer/Payee Data

102 103 104

Account Identification 1 Account Identification 2 Interchange Group Identifier

LLV ANS28 LLV ANS28 LLLV ANS100

C C C

O O C

Required if present in the 010x or 020x. Also see Chapter 13 in this manual. For POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/ Product Interface Guide.

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Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements Bit 105 ISO Field Name Large Private Data Data Type ANS255 Trnsmit C Recv C Notes For POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

111

Additional Data, Private Acquirer

LLLV AN255

May be returned, if received in the request, and if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide. Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

113

Card Issuer Identification Code

LLLV N011

120

Account Qualifiers

LLLV AN006

Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.

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Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements Bit 122 ISO Field Name Sponsor Bank ID Data Type LLLV AN011 Trnsmit Recv O

Notes SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide. See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide for detailed information. MICR data sent only if available. For isuers that elect to receive the ALL STAR Indicator. Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages. Only present if required by or transmitted from another network. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

123

AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits

LLLV ANS255

125

Network Management Information/Tagged Issuer Data

LLLV ANS56

127

Acquirer Trace ID

LLLV ANS100

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0230 Financial Transaction Advice Response


Table 3.18: 0230 Financial Transaction Advice Response
Requirements Bit 003 ISO Field Name Message Type Bit Map, Primary Processing Code Data Type N4 b64 N6 Transm it M M M Recv M M M For Self Service Check deposit, must be 21 00 xx. Notes Always 0230.

004 005 007

Amount, Transaction Amount, Settlement Transmission Date & Time

N12 N12 N10

M C M

M C M Multi-Currency Field

Updated by each processing end. Greenwich Mean Time. MMDDhhmmss

009

Conversion Rate, Settlement System Trace Audit Number Time, Local Transaction

N8

Returned if received in 022x message. Copied from the 022x message.

011

N6

012

N6

Copied from the 022x message. hhmmss Copied from the 022x message. MMDD STAR business date. MMDD

013

Date, Local Transaction

N4

015

Date, Settlement

N4

028

Amount, Transaction Fee Amount, Settlement Fee

X + N8

Required if received in the 022x message.

029

X + N8

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Table 3.18: 0230 Financial Transaction Advice Response (cont.)


Requirements Bit 037 ISO Field Name Retrieval Reference Number Response Code Data Type AN12 Transm it M Recv M Notes Copied from the 022x message. STAR Issuers must return 00. Used by STAR Network to provide information to Acquirers about the nature of edit errors in conjunction with Response Code (DE 039) of '30'. Copied from the 022x message. Returned if received in 022x message. Required if received in the 0xxx message Required if present in 022x data.

039

AN2

044

Additional Response Data

LLV AN25

049

Currency Code, Transaction Currency Code, Settlement Additional Fees

N3

050

N3

055

LLLV ANS088 LLLV ANS100 LLLV ANS050 AN2

061

Acquirer Transport

063

STAR Data

Byte Map

Required to indicate the presence of the subfields. Must be first subfield. Required if present in 022x.

Pseudo Term

AN6

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File Maintenance Messages


0300 Acquirer File Update Request (Negative File) SE/W Platforms
Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W Platforms
Requirements Bit 001 002 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time Data Type N4 b64 b64 LLV N19 Trnsmit M M M M Recv M M M M Notes Always 0300.

007

N10

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

011

System Trace Audit Number Card Sequence Number

N6

023

N3

Used if plastic numbers are supported by the Card-Issuer Processor. Indicates the response code used by the switch when a transaction is to be denied. Presented on adds and updates only. Four (4) digit switch internal code. Presented on adds and updates only. See Chapter 5, STAR ISO 8583 Gateway/Product Interface Guide for further information.

039

Response Code

AN2

061

Acquirer Transport Data

LLLV ANS100

062

Issuer Transport Data

LLLV ANS100

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Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W Platforms (cont.)
Requirements Bit 091 ISO Field Name File Update Code Data Type AN1 Trnsmit M Recv M

Notes '1' = Add '2' = Update '3' = Delete

096

Message Security Code

AN8

Switch assigned 5-byte security code. Always PI-NEGATIVE.

101

File Name

LLV ANS17

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0302 Card Issuer File Update Request (Negative File)


Table 3.20: 0302 Card Issuer File Update Request (Negative File)
Requirements Bit 001 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Data Type N4 b64 b64 Trnsmit M M M Recv M M M Required if fields specified in DE 065 to DE 128. Notes Always 0302.

002

Primary Account Number Transmission Date & Time

LLV N19

007

N10

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

011

System Trace Audit Number Date, Expiration Card Sequence Number

N6

014 023

N4 N3

O C

O C

YYMM Used if plastic numbers are supported by the Card-Issuer Processor.

039 044

Response Code Additional Response Data Issuer Transport Data

AN2 LLV AN25

C O

C O

062

LLLV ANS100

See Chapter 5, STAR ISO 8583 Gateway/Product Interface Guide for further information.

091 096 101

File Update Code Message Security Code File Name

AN1 AN8 LLV ANS17

M M M

M M M Always PI-NEGATIVE.

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0310 Acquirer File Update Response (Negative File) SE/W Platforms


Table 3.21: 0310 Acquirer File Update Response (Negative File) SE/W Platforms
Requirements Bit 001 002 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time Data Type N4 b64 b64 LLV N19 Trnsmit M M M M Recv M M M M Required if received in the 0300 message.

Notes Always 0310.

007

N10

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

011

System Trace Audit Number Card Sequence Number

N6

Copied from the 0300 message. Required if present in 0302 message.

023

N3

039

Response Code

AN2

Indicates the result of the file update request. Valid Value = '00'.

091

File Update Code

AN1

Copied from the 0300 message.

0312 Card Issuer File Update Response (Negative File)


Table 3.22: 0312 Card Issuer File Update Response (Negative File)
Requirements Bit ISO Field Name Message Type Bit Map, Primary Data Type N4 b64 Trnsmit M M Recv M M Notes Always 0312.

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Table 3.22: 0312 Card Issuer File Update Response (Negative


Requirements Bit 001 ISO Field Name Bit Map, Secondary Data Type b64 Trnsmit M Recv M Notes Required if fields specified in DE 065 to DE 128. Copied from the 0302 message.

002

Primary Account Number Transmission Date & Time

LLV N19

007

N10

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

011

System Trace Audit Number Date, Expiration Card Sequence Number

N6

Copied from the 0302 message. YYMM Present if the field was in the 0302 message. Must be a value of 0. STAR SE/W Platform only: In response to the Card-Issuer Processors 0302 inquiry, STAR will return the status code for the PAN in the negative file. Required if present in 0302 message. Copied from the 0302 message.

014 023

N4 N3

O C

O C

039 044

Response Code Additional Response Data

AN2 LLV AN25

M C

M C

062

Issuer Transport Data

LLLV ANS100 AN1

091

File Update Code

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0322 Negative File Update Advice


Table 3.23: 0322 Negative File Update Advice
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time System Trace Audit Number Card Sequence Number Data Type N4 b64 b64 LLV N19 Trnsmit Recv M M M M 0322 Notes

007

N10

MMDDhhmmss

011

N6

023

N3

Used if plastic numbers are supported by the Card-Issuer Procssor.

039

Response Code

AN2

Presented on Adds, Updates and Deletes. New denial code T6 indicates when CV Threshold has been reached.

091

File Update Code

AN1

1 = Add 2 = Update 3 = Delete

096 101 113

Message Security Code File Name Issuer Institution ID

AN8 LLV ANS17 LLV N12

M M PI-NEGATIVE

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0332 Negative File Update Advice Acknowledgement


Table 3.24: 0332 Negative File Update Advice Acknowledgement
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time System Trace Audit Number Response Code File Update Code Data Type N4 b64 b64 LLV N19 Trnsmit M M M M Recv 0332 Notes

007

N10

MMDDhhmmss

011

N6

039 091

AN2 AN1

M M

Must be 00 Copied from 0322 message

0382 PIN Change Request


Table 3.25: 0382 PIN Change Request
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time System Trace Audit Number Card Sequence Number Data Type N4 b64 b64 LLV N19 Trnsmit Recv M M M M 0382 Notes

007

N10

011

N6

023

N3

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Table 3.25: 0382 PIN Change Request (cont.)


Requirements Bit 091 096 101 113 ISO Field Names File Update Code Message Security Code File Name Card Issuer Identification Code Additional Data, Private Acq Data Type AN1 AN8 LLV ANS17 LLLV AN011 LLLV AN255 Trnsmit Recv M M M M PIN CHANGE Notes 2 = Change

124

Contains PIN change information.

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0392 PIN Change Reply


Table 3.26: 0392 PIN Change Reply
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time System Trace Audit Number Card Sequence Number Response Code File Update Code File Name Card Issuer Identification Code Additional Data, Private Acq Data Type N4 b64 b64 LLV N19 Trnsmit M M M M Recv 0392 Notes

007

N10

011

N6

023 039 091 101 113

N3 AN2 AN1 LLV ANS17 LLLV AN011 LLLV AN255

C M M M M 2 = Change PIN CHANGE

124

Copied from the 0382 message.

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0382 PIN Offset File Update Request


Table 3.27: 0382 PIN Offset File Update Request
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time System Trace Audit Number Card Sequence Number File Update Code Data Type N4 b64 b64 LLV N19 Trnsmit M M M M Recv 0382 Notes

007

N10

MMDDhhmmss

011

N6

023 091

N3 AN1

C M

1 = Add 2 = Change 3 = Delete

096

Message Security Code

AN8

Copied from the 0382 message. OFFSET FILE STAR SE/W Platform only:

101

File Name

LLV ANS17

Values:

CH01 - Cardholder information CH02 - Track II information

113

Card Issuer Identification Code

LLLV AN011

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Table 3.27: 0382 PIN Offset File Update Request (cont.)


Requirements Bit 124 ISO Field Names Additional Data, Private Acq Data Type LLLV AN255 Trnsmit M Recv Notes Contains PIN offset value. STAR SE/W Platform only:

Cardholder file maintenance data. This data element contains CH01A or CH02A record maintenance data (starting at the PAN field). Use upper-case for all alphabetic values. When DE091 File Update Code = 2 (update), the following rules apply:

Blank spaces = Existing data does not change Asterisks = Existing data is blanked out (for alpha and alpha-numeric fields only). Zeros = Values are set to zeros. Other characters or text = Existing data is replaced with the new data.

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0392 PIN Offset File Update Reply


Table 3.28: 0392 PIN Offset File Update Reply
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time System Trace Audit Number Card Sequence Number Response Code Data Type N4 b64 b64 LLV N19 Trnsmit Recv M M M M 0392 Notes

007

N10

MMDDhhmmss

011

N6

Same value as is used in 0800 messages.

023 039

N3 AN2

C M

00 = Update successful 25 = Not found (update/delete only) 26 = Already on file (add only) 29 = Update not successful

091

File Update Code

AN1

Copied from the 0382 Message

096 101

Message Security Code File Name

AN8 LLV ANS17

M M Copied from the 0382 Message

113

Card Issuer Identification Code

LLLV AN011

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Table 3.28: 0392 PIN Offset File Update Reply (cont.)


Requirements Bit 124 ISO Field Names Additional Data, Private Acq Data Type LLLV AN255 Trnsmit Recv M Notes Contains PIN offset value. STAR SE/W Platform only:

Copied from the 0382 Message

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0382 Card Activation Request


Table 3.29: 0382 Card Activation Request
Requirements Bit 001 007 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Transmission Date & Time System Trace Audit Number File Update Code Message Security Code Data Type N4 b64 b64 N10 Trnsmit M M M M Recv M M M M 0382 Notes

011

N6

091 096

AN1 AN8

M M

M M

2 = Change Same value as is used in 0800 messages. CARD ACTIVATION

101 113

File Name Card Issuer Identification Code Additional Data, Private Acq

LLV ANS17 LLLV AN011 LLLV AN255

M M

M M

124

Contains Cardholder data.

0392 Card Activation Reply


Table 3.30: 0392 Card Activation Reply
Requirements Bit 001 007 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Transmission Date & Time System Trace Audit Number Response Code Data Type N4 b64 b64 N10 Trnsmit M M M M Recv M M M M 0392 Notes

011

N6

Copied from 0384 message.

039

AN2

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Table 3.30: 0392 Card Activation Reply (cont.)


Requirements Bit 091 ISO Field Names File Update Code Data Type AN1 Trnsmit M Recv M Notes Copied from 0384 message. Copied from 0384 message. Copied from 0384 message. Copied from 0384 message.

101

File Name

LLV ANS17

113

Card Issuer Identification Code Additional Data, Private Acq

LLLV AN011 LLLV AN255

124

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0384 PIN Change Advice - NE Platform


Table 3.31: 0384 PIN Change Advice - NE Platform
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Transmission Date & Time System Trace Audit Number Card Sequence Number Data Type N4 b64 b64 LLV N19 Trnsmit Recv M M M M 0384 Notes

007

N10

011

N6

023

N3

Used if plastic numbers are supported by the Card-Issuer Processor. 2 = Change PIN CHANGE

091 101 113

File Update Code File Name Card Issuer Identification Code Additional Data, Private Acq

AN1 LLV ANS17 LLLV AN011 LLLV AN255

M M M

124

Contains PIN offset value.

0394 PIN Change Advice Acknowledgement - NE Platform


Table 3.32: 0394 PIN Change Acknowledgement - NE Platform
Requirements Bit 001 002 ISO Field Names Message Type Bit Map, Primary Bit Map, Secondary Primary Account Number Data Type N4 b64 b64 LLV N19 Trnsmit M M M M Copied from 0384 message. Recv 0394 Notes

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Table 3.32: 0394 PIN Change Acknowledgement - NE Platform (cont.)


Requirements Bit 007 ISO Field Names Transmission Date & Time System Trace Audit Number Card Sequence Number Data Type N10 Trnsmit M Recv Notes

011

N6

Copied from 0384 message. Required if present in 0384 message. Must be 00 Copied from 0384 message. Copied from 0384 message. Copied from 0384 message.

023

N3

039 091

Response Code File Update Code

AN2 AN1

M M

101

File Name

LLV ANS17

113

Card Issuer Identification Code

LLLV AN011

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Reversal Messages
0420/0421 Acquirer Reversal Advice
Table 3.33: 0420/0421 Acquirer Reversal Advice
Requirements Bit ISO Field Names Message Type Data Type N4 Trnsmit M Recv M

Notes 0420 for initial transaction. 0421 for repeat (STAR SE/W Platform only).

001

Bit Map, Primary Bit Map, Secondary

b64 b64

M C

M C Required if message contains data elements in the range of 065 to 128.

002

Primary Account Number

LLV N19

STAR acquirer processors must send DE 002 in all reversal advices. STAR issuer processors will receive DE 002 in all reversal advices (although STAR switch stand-in advice messages may carry DE 035 instead).

003

Processing Code

N6

STAR acquirers should copy from the 0110 or 0210. DE 003 may not match that of the 0110 or 0210 for other acquiring networks. Copied from 02xx or 01xx. Required if present in 02xx or 01xx request message.

004

Amount, Transaction

N12

005

Amount, Settlement

N12

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements Bit 006 ISO Field Names Amount, Cardholder Billing Transmission Date & Time Data Type N12 Trnsmit C Recv C Notes Multi-currency field

007

N10

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

008

Amount, Cardholder Billing Fee Conversion Rate, Settlement

N8

Unsupported

009

N8

Required if present in 02xx or 01xx request message.

010

Conversion Rate, Cardholder Billing System Trace Audit Number Time, Local Transaction

N8

011

N6

Copied from 02xx or 01xx.

012

N6

Copied from 02xx or 01xx. hhmmss Copied from 02xx or 01xx. MMDD Required if present in 02xx. YYMM STAR business date. MMDD Multi-Currency Field MMDD

013

Date, Local Transaction

N4

014

Date, Expiration

N4

015

Date, Settlement

N4

016

Date, Conversion

N4

017

Date, Capture

N4

Required if present in 020x.

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements Bit 018 ISO Field Names Merchant Type Data Type N4 Trnsmit M Recv C Notes Copied from 01xx or 02xx. Required if not US (840).

019

Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code

N3

022

N3

023 025

N3 N2

O O

O O

Required to be returned in a reversal if received on a response message. Is not sent to the Issuer in reversals unless the Acquirer supplied it, or for late or unsolicited responses, unless the Issuer included this data element in their response.

028

Amount, Transaction Fee Amount, Settlement Fee Amount, Processing Fee Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID

X + N8

Required if present in 01xx or 02xx message.

029 030 031

X + N8 X + N8 X + N8

C O O

C O O Unsupported Unsupported

032

LLV N11

Copied from 02xx or 01xx.

033

LLV N11

Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.

035

Track 2 Data

LLV NS37

STAR issuer processors will not receive DE 035 in reversal advices (although STAR switch stand-in advice messages may carry it).

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements Bit 037 ISO Field Names Retrieval Reference Number Authorization Identification Response Data Type AN12 Trnsmit M Recv M Notes Copied from 02xx or 01xx. Copied from 0210 or 0110 message, if available. Copied from 0110 or 0210. Unsupported Copied from 02xx or 01xx message. Issuers may or may not receive. Required to be returned in a reversal if received on a response message. STAR issuer processors will not receive DE 045 in reversal advices (although STAR switch stand-in advice messages may carry it if a financial request is received from another network and it contains DE 045. See the STAR ISO Gateway/Product Interface Guide.

038

AN6

039

Response Code

AN2

040 041

Service Restriction Code Card Acceptor/Merchant Terminal ID Card Acceptor/Merchant ID Code Card Acceptor/Merchant Name & Location

AN3 AN8

O M

O M

042

ANS15

043

AN40

045

Track 1

LLV ANS76

047

Additional Data, National

LLLV ANS...100 LLLV ANS025 C

048

Merchant/Bank Name

Acquirers should send if available. Issuers may or may not receive. Sent to Card-Issuer Processors if available (as non-STAR networks may not send).

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements Bit 049 ISO Field Names Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing Additional Amounts Data Type N3 Trnsmit M Recv M Notes Copied from 02xx or 01xx. Required if in 02xx or 01xx. Required if in 02xx or 01xx. Acquirer must send if sent in the original request or if present in the response.

050

N3

051

N3

054

LLLV ANS120

055

Additional Fees

LLLV ANS088

Only present if required by or transmitted from another network. Details are available the STAR ISO 8583 Gateway/Product Interface Guide.

056

Replacement Additional Fees

LLLV ANS088

Present for over- or under-dispense reversals that contain a MasterCard Currency Conversion Assessment (CCA) fee. Required if in 01xx. Copied from 010x or 020x.

057 058

Authorization Life Cycle National Point-Of-Service Condition Code National Point-Of-Service Geographic Data

LLLV N003 LLLV N010

C M

C M

059

LLLV AN017

Acquirers may need to send if they participate in a network that requires it.

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements Bit 060 ISO Field Names Advice / Reversal Code Data Type LLLV AN006 AN2 Trnsmit M Recv M Notes

Byte Map

Required to indicate the presence of the subfields. See Chapter 12 of this guide for additional information. Will be echoed in response but will not be forwarded to the Card-Issuer Processor.

Reversal Reason Advice Reason

ANS2 ANS2 LLLV ANS100

M C O

M C O

061

Acquirer Transport Data

063

STAR Data

LLLV ANS050 AN2

Byte Map

Required to indicate the presence of the subfields. Must be first subfield.

Pseudo Terminal Issuer Network Identification

AN6 AN3

M C

M C Recommended that Acquirers send what was received in the 0210 or 0110 message.

Acquirer Network Identification Processor ID

AN3

AN6

Required from 02xx or 01xx. Unsupported Original message type required. Required if partial or over dispense occurs. Amount should reflect the actual amount dispensed.

067 090

Extended Payment Code Original Data Elements

N2 N42

O M

O M

095

Replacement Amounts

AN42

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements Bit 098 ISO Field Names Payer/Payee Data Data Type AN25 Trnsmit C Recv C Notes See Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Copied from 0110 or 0210 message, if available.

102 103 104

Account Identification 1 Account Identification 2 Interchange Group Identifier

LLV ANS28 LLV ANS28 LLLV ANS100

C C C

C C C

Must be sent if contained in the 0110 and 0210. For MasterCard POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Also see Chapter 14 in this manual. For MasterCard POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

105

Large Private Data

LLLV ANS255

111

Additional Data, Private Acquirer

LLLV AN255

Also see Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide. Copied from 0210 or 0110.

113

Card Issuer Identification Code Account Qualifiers

LLLV AN011 LLLV AN006

120

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements Bit 122 ISO Field Names Sponsor Bank ID Data Type LLLV AN011 Trnsmit Recv O

Notes SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide.

123

AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits Network Management Information/Tagged Issuer Data

LLLV ANS255

Also see Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide.

125

LLLV ANS56

For isuers that elect to receive the ALL STAR Indicator. Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages. Only present if required by or transmitted from another network. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

127

Acquirer Trace ID

LLLV ANS100

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0430 Acquirer Reversal Response


Table 3.34: 0430 Acquirer Reversal Response
Requirements Bit 001 003 004 005 007 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Processing Code Amount, Transaction Amount, Settlement Transmission Date & Time Data Type N4 b64 b64 N6 N12 N12 N10 Trnsmit M M C M M C M Recv M M M M M C M Copied from the 042x message. Multi-Currency Field

Notes Always 0430

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

009

Conversion Rate, Settlement System Trace Audit Number Time, Local Transaction

N8

Multi-Currency Field

011

N6

Copied from the 042x message.

012

N6

Copied from the 042x message. hhmmss Copied from the 042x message. MMDD

013

Date, Local Transaction

N4

015 028

Date, Settlement Amount, Transaction Fee

N4 X + N8

M C

M C

MMDD Required if received in the 042x message and amount transaction fee is present. Multi-Currency Field Copied from the 042x message.

029 037

Amount, Settlement Fee Retrieval Reference Number

X + N8 AN12

C M

C M

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Table 3.34: 0430 Acquirer Reversal Response (cont.)


Requirements Bit 039 ISO Field Name Response Code Data Type AN2 Trnsmit M Recv M Notes STAR Issuers must return 00. Used by STAR to provide information to Acquirers about the nature of edit errors in conjunction with Response Code (DE 039) of '30'. Copied from the 042x message. Multi-Currency Field

044

Additional Response Data

LLV AN25

049

Currency Code, Transaction Currency Code, Settlement Additional Fees

N3

050

N3

055

LLLV ANS088 LLLV ANS100 LLLV ANS050 AN2

Required if received in the 0xxx message Required if present in 042x.

061

Acquirer Transport Data

063

STAR Data

Byte Map

Required to indicate the presence of the subfields. Must be first subfield.

Pseudo Term

AN6 N42 AN42 LLLV ANS255

M M C O

M M C O

090 095 123

Original Data Elements Replacement Amounts AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits

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Administrative Messages
0620 Administrative Advice
Table 3.35: 0620 Administrative Advice
Requirements Bit 001 007 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Transmission Date & Time Data Type N4 b64 b64 N10 Trnsmit M M M M Recv M M M M

Notes Always 0620.

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

011 070

System Trace Audit # Network Management Information Code Additional Data, Private

N6 N3

M M

M M Always 900.

124

LLLV ANS255

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Network Management Messages


0800 Network Management Request
Table 3.36: 0800 Network Management Request
Requirements Bit 001 007 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Transmission Date & Time Data Type N4 b64 b64 N10 Trnsmit M M M M Recv M M M M

Notes Always 0800.

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

011 070

System Trace Audit # Network Management Information Code Message Security Code Network Management Information

N6 N3

M M

M M

096 125

AN LLLV ANS050

M C

M C Required when network management information code = 161 or 171.

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0810 Network Management Response


Table 3.37: 0810 Network Management Response
Requirements Bit 001 007 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Transmission Date & Time Data Type N4 b64 b64 N10 Trnsmit M M M M Recv M M M M

Notes Always 0810.

Updated by each processing end point. Greenwich Mean Time. MMDDhhmmss

011

System Trace Audit Number Response Code Network Management Information Code

N6

Copied from the 0800 message.

039 070

AN2 N3

M M

M M Copied from the 0800 message.

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Data Element Definitions


STAR ISO 8583 Message Data Formats
ISO format standards specify the following:

Byte maps will always be in hexadecimal format. Variable fields may be variable in length. Host must be capable of parsing variable-length subfields to determine length of field.

Options available to Processors using the STAR ISO 8583 message format: Table 4.1: STAR ISO 8583 Processor Options Message Data Alphanumeric Fields Primary (DE 001-064) and Secondary (DE 065-128) Bit Maps Numeric Fields Description Usage of ASCII or EBCDIC format 16-byte hexadecimal format or 8-byte binary

Packed or unpacked

Unsupported Data Elements


The following ISO elements are unsupported on the STAR Platforms:

008 Amount Cardholder Billing Fee 021 Forwarding Institution Country Code 027 Authorization Identification Response Length 031 Amount, Settlement Processing Fee 036 Track 3 Data 046 Additional Data ISO

020 PAN Extended Country Code 024 Network International Identifier 030 Amount, Transaction Processing Fee 034 Primary Account Number (PAN), Extended 040 Service Restriction Code 053 Security Related Control Information

064 Message Authentication Code 065 Bit Map Extended (MAC) 066 Settlement Code 068 Receiving Institution Country Code

067 Extended Payment Code 069 Settlement Institution Country Code

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071 Message Number 073 Date, Action 075 Credits, Reversal Number 077 Debits, Reversal Number 079 Transfer, Reversal Number 081 Authorization, Number 083 Credits, Transaction Fee Amount 085 Debits, Transaction Fee Amount 087 Credits, Reversal Amount 089 Debits, Reversal Amount 093 Response Indicator 097 Amount Net Settlement 106 Large Private Data 2 108 Large Private Data 4 110 Reserved For ISO Use 115 Reserved For National Use 117 Reserved For National Use 119 Reserved For National Use

072 Message Number 074 Credits, Number 076 Debits, Number 078 Transfer Number 080 Inquiry Number 082 Credits, Processing Fee Amount 084 Debits, Processing Fee Amount 086 Credits, Amount 088 Debits, Amount 092 File Security Code 094 Service Indicator 099 Settlement Institution ID Code 107 Large Private Data 3 109 Reserved For ISO Use 112 Reserved For National Use 116 Reserved For National Use 118 Reserved For National Use 128 Message Authentication Code

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Data Elements
Message Type
STAR Element Format Definition Processing Rules NP-4 A four-digit identifier of the type of message.

This data element is required. Message Type identifier must be present as the first field of any message.

Bit Map, Primary


STAR Element Format Definition b-8 bytes or 16 hex bytes if numeric packing option not set. A series of 64 bits used to identify the presence (denoted by 1) or absence (denoted by 0) of data elements 001 through 064.

Processing Rules

This data element is required. Primary Bit Map must be present following the Message Type field of any message. Must include minimum bit map required by STAR Switch, depending upon the message type.

001 Bit Map, Secondary


STAR Element Format Definition b-8 bytes or 16 hex bytes if numeric packing option not set. A series of 64 bits used to identify the presence (denoted by 1) or absence (denoted by 0) of data elements 065 through 128.

Processing Rules

This data element is conditional on the presence of one or more data elements in the range 065-128. Must include minimum bit map required by STARSwitch, depending upon the message type.

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002 Primary Account Number (PAN)


STAR Element Format Definition Message Type Acquirer

LLV NP-19 A series of digits to identify a customer account or relationship. Disposition Condition

010x,012x,020x

Conditional

Required if PAN is manually entered or Track 2 data is unavailable. Otherwise, optional. Will be returned in response if sent in request. DE002 must be passed.

0110, 0210

Conditional

022x, 042x 03xx

Required Required

Issuer

010x, 012x, 020x

Conditional

Will be present if PAN is manually entered or if Track Data is unavailable. Must be returned in response if received in request. STAR issuer processors will receive DE 002 in all completion advices (although STAR switch stand-in messages may carry DE 035 instead). STAR issuer processors will receive DE 002 in all reversal advices (although STAR switch stand-in messages may carry DE 035 instead).

0110, 0210

Conditional

022x

Conditional

042x

Conditional

Processing Rules

Required if Point of Service Entry Mode (DE 022) indicates that the PAN was manually entered.

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003 Processing Code


STAR Element Format Definition NP-6 A series of digits used to describe the effect of a transaction on the customer account and the accounts affected. Position 1-2 Position 3-4 Position 5-6 Message Type Acquirer/Issuer

Format

Transaction Type From Account To Account Condition

Disposition

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Required

Processing Rules

STAR ATM/POS Card-Issuer Processors must respond to mandatory processing codes. STAR Acquirer Processors must send processing code 000000 for quasi-cash. See Chapter 10: Data Element 054: Additional Amounts for quasi-cash transaction requirements for DE 054. 00 01 00 = Goods and Services (Debit) Withdrawal / Cash Advance (Debit) Quasi-Cash (Debit) / Issuer Only Cashed Check Return / Correction (Credit) Deposits (Credit) Available Funds Inquiry PINd Account Inquiry (STAR NE platform) PIN-less Account Verification Account List Inquiry (STAR NE platform only)

Position 1-2

11 17 20 21 30 31

33 35

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003 Processing Code (cont.)


Processing Rules (cont.) 39 Account Balance Profile/PIN-less Account Inquiry Transfer Bill Payment (Debit)/Payment to Third Party Money Transfer Debit Payment from a Third Party (Credit) Money Transfer Credit Payment/Funds Transfer (Credit) Electronic Payment (STAR NE platform only) Payment Enclosed (STAR NE platform only) Prepaid Card Load Prepaid Card Activation Statement Processing (STAR NE only) Default (FND) Other (OTH) Savings (SAV) Checking (DDA) Credit (CRD)

40 50

54 55

56 56 58

59

70 72 91

Positions 3-4/5-6:

00 09 10 20 30

Please see Chapter 7: Data Element 003: Processing Codes in this manual for processing codes of specific transactions.

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004 Amount, Transaction


STAR Element Format Definition NP-12 Funds requested by the cardholder in the local currency of the Acquirer Processor or source location of the transaction, exclusive of all fees. Disposition Condition

Message Type Acquirer/Issuer

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430x

Required

Processing Rules

For a transaction performed in US dollars, this field represents the amount that will be settled by STAR. For a transaction performed in a currency other than US dollars, this field represents the transaction amount in the acquirers currency. (DE005 will carry the transaction amount in US currency.) For prepaid card transactions:

Activate transactions will contain an amount of $0. Load transactions will contain the amount (in local currency) of the value to be loaded to the card.

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004 Amount, Transaction (cont.)


Processing Rules (cont.)

For partial amount responses using new methodology message types 0110 and 0210 (STAR SE/W Platforms only):

If the request message contains DE 004, but not DE 005 or DE 006, then issuers should change the amount in DE 004 in the response message to reflect the partial approval amount. If the request message contains DE 005 and/or DE 006, the issuer should return DE 004 with the same amount that is carried in the 0100 or 0200 request message. If a STAR (U.S. based) POS acquirer sends DE 063.7 to indicate an ability to handle a partial amount approval, then the partial approval amount will be returned in DE 004.

For the 0420 1F Reversal Advices that an issuer will receive for transactions involving a MasterCard CCA fee, DE 004 will reflect the adjusted local transaction amount. The DE 004 amount is for informational use only. Partial reversals of a partial approval amount transaction are not permitted. Acquirers may only send full reversals of partial approvals. Surcharges or rebates are not included as part of this amount. The new methodology for partial authorization responses is not supported on the STAR NE platform.

005 Amount, Settlement


STAR Element Format Definition NP-12 Funds to be transferred between the Acquirer Processor and Card-Issuer Processor/Card-Issuer, generally exclusive of all fees, equal to the Amount, Transaction (DE 004) in the currency of settlement. Disposition Condition

Message Type Acquirer/Issuer

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Conditional

Required if transaction and settlement currencies are not the same.

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005 Amount, Settlement (cont.)


Processing Rules

For a transaction performed in a currency other than US dollars, this field represents the amount that will be settled by STAR Internationally-acquired transactions for the MasterCard networks (Cirrus, Maestro, debit MasterCard) will have the Currency Conversion Assessment (CCA) fee bundled into the transaction amount. This fee is optionally available separately in STAR Data Elements 055 and 056. For prepaid card transactions:

Activate transactions will contain an amount of $0. Load transactions, will contain the amount (in settlement currency) of the value to be loaded to the card. PIN change transactions, will contain an amount of $0.

For partial amount responses using new methodology messages types 0110 and 0210 (STAR SE/W Platforms only):

If the request message contains DE 004 and DE 005 (but not DE 006), then the issuer should change the amount in DE 005 in the response message to reflect the partial approval amount. If the request message contains DE 006, the issuer should return DE 005 with the same amount that it carried in the 0100 or 0200 request message.

For the 0420 1F Reversal Advices that an issuer will receive for transactions involving MasterCard CCA fees, DE 005 will reflect the same value the issuer returned in the response message. DE 005 is for informational use only. Issuer Note: The posting of this transaction should be done from the replacement amount in DE 095. The new methodology for partial authorization respnoses is not supported on the STAR NE Platform.

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006 Amount, Cardholder Billing


STAR Element Format Definition Message Type Issuer

NP-12 Amount billed to the cardholder in the currency of the cardholder account, generally exclusive of all fees. Disposition Condition

010x, 012x, 020x, 022x, 042x

Conditional

Optionally available to issuers on the STAR SE/W platform for transactions that include a MasterCard Currency Conversion Assessment fee. Should be returned if received.

0110, 0210 0130, 0230, 0430

Conditional Optional

Acquirer

0110, 0210, 0130, 0230, 0430 022x, 042x

Conditional

May be received for transactions for non-US cardholders. May be sent if received in the 0210 response.

Optional

Processing Rules

STAR software does not perform currency conversion. DE 006 is generally suppressed (not sent) on requests if it is equal to the amount in DE 005 (Amount, Settlement). For prepaid transactions:

Activate transactions, will contain an amount of $0. Load transactions, will contain the amount (in the cardholder's currency) of the value to be loaded to the card.

For partial amount responses using new methodology (messages types 0110 and 0210):

If the request message contains DE 004, DE 005, and DE 006, then issuer should change the amount in DE 006 in the response message to reflect the partial approval amount.

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006 Amount, Cardholder Billing (cont.)


Processing Rules (cont.)

Internationally-acquired transactions for the MasterCard networks (Cirrus, Maestro, debit MasterCard) will have the MasterCard Currency Conversion Assessment (CCA) fee bundled into the Cardholder Billing amount as a default option (thus making DE 006 equal to DE 005). The associated conversion rate in DE 010 is adjusted accordingly.

STAR SE/W Issuer processors have the option to request that DE 006 be sent without the bundled CCA fee (in which case DE 010 will also properly reflect the associated conversion rate). The CCA fee is also optionally available separately in STAR Data Elements 055 and 056.

STAR Network issuers on the SE/W Platform have the option of receiving DE 006 for MasterCard acquired transactions that contain CCA. If this option is chosen, DE 006 will reflect the transaction amount without the CCA amount. Note: DE 006 is not passed if its value equals the value in DE 005.

For partial amount responses in 0210 message types: If the request message contains DE 004, DE 005, and DE 006, then issuers should change the amount in DE 006 in the response message to reflect the partial approval amount. For transactions involving MasterCard CCA, the revised amount in DE 006 in the response, as in the request, will not include any CCA amount. Issuers must take this into consideration with determining the amount.

For the 0420 1F Reversal Advice that an issuer will receive for transactions involving MasterCard CCA fees, DE 006 will reflect the same value the issuer returned in the response message. Issuer Note: The posting of this transaction should be done from either the replacement settlement amount in DE 095 or the equivalent amount obtained by summing DE 006 and the replacement CCA fee in DE 056.

Platform Distinction

This data element is not available on the STAR NE platform.

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007 Transmission Date & Time


STAR Element Format Definition NP-10 Date and time the message entered into the data interchange system. To be expressed in Greenwich Mean Time (GMT). Updated by each processor end point. Must be valid 4-position date followed by 6-position time (MMDDhhmmss).

Processing Rules

009 Conversion Rate, Settlement


STAR Element Format Definition NP-8 The factor used by the network that performs the currency conversion in the conversion from the transaction amount to settlement amount. The Amount, Transaction (DE 004) is multiplied by DE 009 to determine Amount, Settlement (DE 005). aBBBBBBB, where:

Format

a is the decimal position from the right B is the actual conversion factor Disposition Condition

Message Type Acquirer

010x, 012x, 020x, 022x, 042x

Conditional

Required if terminal is located outside of the U.S. (i.e., value is other than '840').

Issuer

010x, 012x, 020x, 022x, 042x 0110, 0210 420

Conditional

Will be sent to U.S. Issuers when value is other than '840'. Should be returned if received. Will be sent in acquirer-generated reversals if received from acquirer. Will be send in switch-generated reversals if received in the response from the issuer.

Conditional Conditional

Processing Rules

None.

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010 Conversion Rate, Cardholder Billing


STAR Element Format Definition NP-8 The factor used by the network that performs the currency conversion in the conversion from the Amount, Transaction (DE 004) to Amount, Cardholder Billing (DE 006). DE 004 is multiplied by DE 010 to determine Amount, Cardholder Billing (DE 006). Note: STAR software does not perform currency conversion. Format aBBBBBBB, where:

a is the decimal position from the right B is the actual conversion factor Disposition Condition

Message Type Issuer

010x, 012x, 020x, 022x, 042x

Conditional

Optionally available to issuers on the STAR SE/W platform for transactions that include a MasterCard Currency Conversion Assessment fee. Should be returned if received.

0110, 0210 0130, 0230, 0430

Conditional Optional

Acquirer

0110, 0210, 0130, 0230, 0430 022x, 042x

Conditional

May be received for transactions for non-US cardholders. May be sent if received in the 0210 response.

Optional

Processing Rules

DE 010 is passed in requests when DE 006 (Amount, Cardholder Billing) is present. Otherwise it is generally not passed. On the STAR NE Platform, this field is not provided in the online message.

Platform Distinction

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011 System Trace Audit Number


STAR Element Format Definition NP-6 A number assigned by the message initiator to uniquely identify a transaction. The trace number remains unchanged for all messages throughout the Life of the Transaction. Disposition Condition

Message Type Acquirer

0100, 0200, 0220, 0420

All must have the same trace number.

Must remain unchanged throughout the Life of the Transaction.

Processing Rules

The System Trace Audit Number is assigned by the STAR processor and must be unique for every request, original submission and resubmission sent to the STAR Switch.

012 Time, Local Transaction


STAR Element Format Definition Message Type Acquirer

NP-6 The local time at which the transaction takes place at the point of card/check acceptor location. Format Disposition Condition

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Valid Time (hhmmss)

Required

Processing Rules

Must remain unchanged throughout the Life of the Transaction. Non-STAR acquirers may not echo the local transaction time throughout the Life of the Transaction. Returns, refunds, and similar transactions are considered new transactions. They are not considered part of the original purchase, bill payment, or similar transactions. This data element should reflect the local time that the return, refund, or similar transaction is being initiated.

Platform Distinction

On the STAR NE Platform, 022x may have zeros for time.

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013 Date, Local Transaction


STAR Element Format Definition Message Type Acquirer

NP-4 The local month and day on which the transaction takes place at the card/check acceptor location. Format Disposition Condition

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Valid Date (MMDD)

Required

Processing Rules

On Merchant original or resubmission transactions, this date is the date used to compare if the resubmission is in the 12-day compliance window. Must remain unchanged throughout the Life of the Transaction. Non-STAR acquirers may not echo the local transaction time through out the Life of the Transaction. Returns, refunds, and similar transactions are considered new transactions. They are not considered part of the original purchase, bill payment, or similar transactions. This data element should reflect the local date that the return, refund, or similar transaction is being initiated.

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014 Expiration Date


STAR Element Format Definition Message Type Acquirer/Issuer

NP-4 The year and month after which the card expires. Disposition Condition

010x, 012x, 020x, 022x, 042x

Optional

May be sent if PAN is manually entered and the data is readily available (embossed on card face). May be sent if the Card-Issuer Processor wants to receive this element in the reversal for late or unsolicited response. In a 0302 message, this is the record delete date placed on the negative file.

0110, 0210

Optional

302

Optional

Processing Rules

Valid Date (YYMM).

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015 Settlement Date


STAR Element Format Definition NP-4 The month and day funds will be transferred between Acquirer Processor and Card-Issuer Processor/Card-Issuer or any intermediate network facility.

STAR CHEK Direct: This is the settlement date of the message initiator. Disposition Condition

Message Type Acquirer/Issuer

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Required

On inbound requests:

This element may contain the Acquirer Processor's settlement date.

On inbound responses:

This element may contain the Card-Issuer Processor's settlement date.

On outbound requests/responses:

This date is the STAR business date.

Processing Rules

Valid Date (MMDD).

016 Date, Conversion


STAR Element Format Definition NP-4 The month and day the conversion rate is effective to convert the Amount, Transaction (DE 004) and, if present Amount, Transaction Fee (DE 028) to settlement currencies. Disposition Condition

Message Type Issuer

010x, 012x, 020x, 022x, 042x

Conditional

May be present for non-US-acquired transactions if the transaction and settlement currencies are not the same. Should be returned if received.

0110, 0210 0130, 0230, 0430

Conditional Optional

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016 Date, Conversion (cont.)


Acquirer

0110, 0210, 0130, 0230, 0430

Conditional

May be received for transactions for non-US cardholders.

Processing Rules

Valid date (MMDD). Required if a conversion rate is present. STAR software does not perform currency conversion.

Platform Distinction

017 Date, Capture


STAR Element Format Definition Message Type Acquirer/Issuer

NP-4 The month and day the transaction is processed by the Acquirer Processor. This is the Acquirer Processor's calendar day. Disposition Condition

010x, 012x, 020x, 022x, 042x

Optional

Processing Rules

If the difference between the current STAR Switch date and current local date exceeds 12 calendar days, the STAR Switch will reject the transaction with response code 80 (stale dated transaction).

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018 Merchant Type


STAR Element Format Definition Message Type Acquirer

NP-4 The classification of the merchants type of business product or service. Disposition Condition

010x, 012x, 020x, 042x 0110, 0210 022x

Required

Optional Conditional

May not be present in response.


Required on POS transactions STAR CHEK Direct: Always required.

Issuer

010x, 012x, 020x, 042x 0110, 0210

Conditional

May not be present.

Optional

Required if Card-Issuer Processor wants to receive this element in reversals generated by the STAR Network for late responses.

Processing Rules

If an Acquirer Processor blank-fills this field, the STAR Switch will fill this field with zeros. See Chapter 8: Data Element 018: Merchant Type

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019 Acquiring Institution Country Code


STAR Element Format Definition Message Type Acquirer

NP-3 The code of the country where the acquiring institution is located (see ISO 3166). Disposition Condition

010x, 012x, 020x, 022x, 042x

Conditional

Required if terminal owner operates terminals in multiple countries.

Issuer

010x, 012x, 020x, 022x, 042x 110, 0210

Conditional

Will be passed if available.

Conditional

Required if Card-Issuer Processor wants to receive this element in a reversal for late or unsolicited response.

Processing Rules

None

022 Point-Of-Service Entry Mode


STAR Element Format Definition NP-3 First two positions indicate the method by which the Primary Cardholder Account Number was entered into the system. The third position indicates PIN entry capabilities. Disposition Condition

Message Type Acquirer

010x, 012x, 020x

Conditional

Required if the transaction was entered at one of the following:


A point-of-service (POS) device. An ATM acquirer dispensing alternate media. An ATM acquirer participating in a CVV program. A chip-related ATM transaction.

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022 Point-Of-Service Entry Mode (cont.)


022x 042x

Required Conditional

Required if included in the original request. Recommended, even if not included in the original request.

Issuer

010x, 012x 020x 0110, 0210

Required Conditional

Will be passed. Will be passed if available. Required if the Card-Issuer Processor wants to receive this element in a reversal for late or unsolicited response.

022x

Conditional

For stand-in advices, will be passed if available. For pre-authorized completions:

Required

STAR NE Platform: Value will reflect that sent by Acquirer. STAR SE-W Platform: Positions one and two will be sent with a value of 00, indicating unspecified mode of entry. May be present for switch-generated reversal advices due to edit errors found in the issuers response message. STAR NE Platform: Will be passed if available. Value will reflect that sent by Acquirer. STAR SE-W Platform: For pre-authorized completions: Positions one and two will be sent with a value of 00, indicating unspecified mode of entry 00 01 02 03 Unspecified Manual Magnetic Stripe Bar Code

042x

Conditional

Values

Position 1-2

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022 Point-Of-Service Entry Mode (cont.)


04 05 06 07 OCR Integrated Circuit Card Manual (key-entered

Contactless chip transaction originated using chip data rules as defined by EMV* (available in Europe). STAR NE Platform only: An Issuer option must be turned on so that the Issuer can receive these values. If not, Issuer receives a 02 (magnetic stripe).

08-60 61-78 79

Reserved for ISO use Reserved for national use Chip card or chip-capable terminal was unable to process the transaction using the data on the chip or magnetic stripe, the PAN was entered manually, or the Acquirer is not certified to process the value 80. Chip card or chip-capable terminal was unable to process the transaction using the data on the chip; the PAN was entered via magnetic stripe. The full track data was read from the data encoded on the card and transmitted within the authorization request on Track 2 Data (DE 035) or Track 1 Data (DE 045) without alteration or truncation. PAN manual entry via Electronic commerce Reserved for private use

80

81

82-89

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022 Point-Of-Service Entry Mode (cont.)


90 Full Magnetic Stripe (optionally supportedmust be coordinated with STAR processing) 91

Contactless chip transaction originated using magnetic stripe data rules. STAR NE Platform only: An Issuer option must be turned on so that the Issuer can receive these values. If not, the Issuer receives a 02 (magnetic stripe).

92-94 95

Reserved for private use Integrated circuit card, CVV data may be unreliable Reserved for private use Unspecified PIN entry capability No PIN entry capability PIN pad inoperative Terminal has PIN entry capability but PIN pad is out of service PIN verified by terminal device

96-99 Position 3 0 1 2 6 8

9 Processing Rules

For pre-authorized completions and reversals being sent by acquirers, positions one and two for DE022 may be sent with a value of 00 indicating an unspecified mode of entry. For stand-in advices sent to Issuers, DE022 value will reflect that sent by the acquirer. For additional information on how DE022 may be populated for transactions involving other networks, see the STAR ISO 8583 Gateway/Product Interface Guide. If Issuer supports receiving extended POS Entry Mode values, DE 022 will be populated with a value of 07 or 91 as received from Visa.

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022 Point-Of-Service Entry Mode (cont.)


Platform Distinction

For reversals and pre-authorized completion transactions that do not contain track data fields, the STAR SE-W platform populates the PAN entry mode with 00 and the STAR NE platform populates it in the manner in which it was populated by the acquirer. The STAR SE/W Switch will not perform Stand-in, nor can a merchant/POS processor perform Stand-in, if:

Positions 1 and 2 contain 01; and/or Position 3 contains a value of 2 or 6.

023 Card Sequence Number


STAR Element Format Definition NP-3 Also known as Member number or plastic card number. A number distinguishing between separate cards with the same Primary Account Number or Primary Account Number Extended. Message Type Acquirer/Issuer

Disposition

Condition

010x, 012x, 020x, 022x 0110, 0210

Optional

If available and Track 2 is not present.

Optional

Required if Card-Issuer Processor wants to receive this element in a reversal for late or unsolicited. Required if a Card-Issuer Processor elects to have the STAR Switch validate the card sequence number during Store & Forward processing. Required if present in the 0302 and 0322 messages. If available in response.

0302

Conditional

0312, 0332

Conditional

042x

Optional

Processing Rules

If the Issuer accepts Visa Card Sequence Number, then DE 023 will be populated with Visa Card Sequence Number ID.

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025 Point-Of-Service Condition Code


STAR Element Format Definition NP-2 The conditions under which the transaction takes place at the point of sale (POS). Note: For STAR-acquired transactions, information in DE 058 is deemed more reliable. This field is most often used to convey information from other networks (e.g., Visa). Message Type Acquirer/Issuer

Disposition

Condition

010x, 012x, 020x, 022x 0110, 0210 042x

Optional

Optional Optional 00 01 02 03 04 05 Normal presentment Customer not present Unattended terminal able to retain card Merchant suspicious Electronic cash register Customer present, card not present Note: May be present in AVS-only requests and CVV2-only requests/advices. 06 07 08 09 10 11 12 15 Pre-authorized request Telephone device request Mail and/or telephone Security alert Customer identity verified Suspected fraud Security reasons Customer Terminal (home terminal)

Values

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025 Point-Of-Service Condition Code (cont.)


16 27 40 52 53 54 Administration terminal Unattended terminal unable to retain card Customer not present, standing order/recurring payment CVC/CVC2, CVV/CVV2 verified and valid CVC/CVC2, CVV/CVV2 verified and invalid Electronic commerce transaction Nonsecure/Security unknown Electronic transaction Secure, with cardholder certificate Electronic transaction Secure, without cardholder certificate Electronic commerce transaction Channel-encrypted Electronic commerce transaction Nonsecure/Security unknown Deferred billing

55 56

57 58

59 Platform Distinction

Available on the STAR SE/W Platforms only.

026 Point-Of-Service PIN Capture Code


STAR Element Format Definition Message Type Acquirer/Issuer

NP-2 Maximum number of PIN characters accepted by the point of sale (POS) device. Disposition Condition

010x, 020x

Optional

STAR Acquirer Processors must accept 4-12 digit PINs. Available on the STAR SE/W Platform only.

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028 Amount, Transaction Fee


STAR Element Format Definition Message Type Acquirer/Issuer

X + N-8 Convenience fee charged by the Acquirer Processor for a transaction in the currency of Amount, Transaction (DE 004). Disposition Condition

020x, 022x, 042x

Conditional

Required for Acquirer Processors collecting a transaction convenience fee. In pre-authorization transactions, Amount, Transaction (DE 004) will contain the pre-authorization amount plus the surcharge or rebate amount. The sum of Amount, Transaction (DE 004) and Amount, Transaction Fee (DE 028) in a 022x cannot exceed:

DE 004 from 01xx OR

DE 054 in the 01xx

010x, 012x, 013x

Optional

If the surcharge for pre-authorizations is included in DE 004, then DE 028 can not be sent. Must be the same value in response as in request. If the surcharge for pre-authorizations is included in DE 004, then DE 028 can not be sent.

0130, 0210, 0230, 0430 0110

Conditional

Optional

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028 Amount, Transaction Fee (cont.)


Processing Rules

STAR processing does not calculate online fees. Acquirer Processors implementing a convenience fee must set the sign indicator to a D. Acquirer Processors implementing a rebate must set the sign indicator to a C. These values will be unaltered and passed through to the Card-Issuer Processor. For reversals of transactions that contained a fee, the sign indicator must be changed to a C. For reversals associated with mis-dispenses (over-dispense or partial amount dispense), the sign indicator in DE 028 must likewise be changed to a C. However, issuer processors should rely upon the replacement amounts and sign indicators in DE 095 to ascertain the actual amount dispensed and amount of the fee to be charged. X must be C (Credit to the cardholder) or D (Debit to the cardholder).

029 Amount, Settlement Fee


STAR Element Format Definition X + N-8 Convenience fee charged by the Acquirer Processor for a transaction equal to the Amount, Transaction Fee (DE 028) in the currency of Amount, Settlement (DE 005). Disposition Condition

Message Type Acquirer/Issuer

0130, 020x, 0210, 022x, 0230, 042x, 0430

Conditional

Required if Amount, Transaction Fee (DE 028) is present and the currency of Amount, Transaction (DE 004) and Amount, Settlement (DE 005) are not the same. Must be the same value in response as in request.

010x, 0110, 012x

Optional

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029 Amount, Settlement Fee (cont.)


Processing Rules

Required if Amount, Transaction Fee (DE 028) and Amount, Settlement (DE 005) are present. X (sign indicator): must be C (Credit to the cardholder) or D (Debit to the cardholder). Acquirer Processors implementing a convenience fee must set this indicator to a D. Acquirer Processors implementing a rebate must set this indicator to a C. These values will be unaltered and passed through to the Card-Issuer Processor. The sign indicator must be reversed to indicate a reversal of a fee. When STAR cardholders are performing transactions in a non-US currency, and a surcharge is being assessed, the surcharge amount in DE 028 will be in the acquirer's currency, and in DE 029 in US currency. Therefore, when both DE 028 and DE 029 are present in the request message, the issuer processor must use the amount from DE 029 for posting the fee to the cardholder's account.

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032 Acquirer Institution Identification code (Acquirer ABA)


STAR Element Format Definition LLV NP-11 Code identifying the acquiring institution (e.g., merchant bank) or its agent. STAR ATM and POS define this element as the acquiring institution's FRDABA (Routing and Transit Number). Message Type Acquirer/Issuer

Disposition

Condition

010x, 0110, 012x, 020x, 0210, 022x, 042x

Required

All STAR ATM and POS Acquirer Processors must format the FRDABA as 1NNNNNNNNC, where NNNNNNNN is the FRDABA and C is a check digit.

Processing Rules

If the element begins with a 1, must be an FRDABA with a valid check digit. The check digit will be calculated using a weighting factor of 37137137. Numeric with trailing blanks. For transactions acquired by networks behind the STAR Network, the content of this field may not follow the STAR standard layout. For MasterCard Signature Debit completions, this element is formatted 9MMMMMM, where M is the MasterCard ICA. See the STAR ISO 8583 Gateway/Product Interface Guide for additional information. For STARsf acquired transactions on the SE-W platform, this will be a pseudo ABA assigned by the network. As a result, acquirers will be returned an acquirer network ID of SSF in DE063 of the 0210 response to STARsf ATM withdrawal transactions. Issuers will be sent an acquirer network ID of SSF in DE063 of the 0200 withdrawal message.

Platform Distinction

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033 Sponsor ID
STAR Element Format Definition LLV N-11 An 11 digit numeric field containing an ID, which is assigned by the STAR network to uniquely identify the STAR financial institution that sponsors an Acquirer terminal. Message Type ATM Acquirer

Disposition

Condition

0200, 0420

Conditional

Required if terminal is sponsored by a STAR financial institution. Will be present in replies to echo the field when sent by an Acquirer.

0210

Conditional

POS Acquirer

0100, 0200, 0220, 0420 0110, 0210

Optional

Optional if terminal is sponsored by a STAR financial institution. Will be present in replies to echo the field when sent by an Acquirer.

Conditional

Processing Rules

Must be a numeric value. All zeros is an acceptable value for transactions that are not sponsored. This data element is not passed to Issuers.

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035 Track 2 Data


STAR Element Format Definition LLV NSP-37 The information encoded on Track 2 of the magnetic stripe, excluding beginning and end sentinels and LRC characters. See the STAR Interface Guide for additional information on Track 2. Message Type Acquirer

Disposition

Condition

010x, 012x, 020x

Conditional

Required if card track data is electronically captured. Will be returned in response if in request. DE035 must not be passed.

0110, 0210 022x, 042x

Conditional N/A

Issuer

010x, 012x, 020x 0110, 0210

Conditional Conditional

Will be sent if available. Must be returned in response if received in request. For stand-in advices, will be passed if available. Not passed in pre-authorized completions.

022x

Conditional

042x

Conditional

May be sent for switch-generated reversal advices which are due to edit errors found in the issuers response message. Will not be sent for acquirer-generated reversals.

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035 Track 2 Data (cont.)


Processing Rules

Valid ISO Track 2 must be present from the STAR Acquirer if POS Entry Mode (DE022) indicates a magnetic stripe read was done. An = is always the representation of the Track 2 field separator when the following conditions are met:

An = was received from the Acquirer Processor; and The Acquirer Processor is utilizing the ISO format; and The Card-Issuer Processor's packing option is not set

Acquirers sending DE035 must send the full contents of the track and:

Discretionary data should not be truncated. Data element should not be space or zero-filled. Field length should not be set to zero.

STAR Acquirers are not permitted to send Track 2 (DE 035) in pre-authorized completions and reversal transactions:

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037 Retrieval Reference Number (Terminal Sequence #)


STAR Element Format Definition AN-12 A document reference supplied by the system retaining the original source document and used to assist in locating that document or a copy. The recommended format for this data element is shown below. Message Type Acquirer/Issuer

Disposition

Condition

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Required

Although this field should remain unchanged throughout the Life of the Transaction, it cannot be guaranteed. It may vary between an original transaction, submission and resubmission. All STAR Acquirer Processors must support only numerics in this field. Julian date (YDDD): This date is made up of the least significant digit of the year, followed by the 3-digit day of the year. For example: January 15, 2006 = 6015 Actual terminal sequence number. The terminal sequence number must be incremented for each request. A value of all zeros is not a valid terminal sequence number for STAR ATM or POS Acquirer Processors.

Format

Position 1-4

Position 5-12

Processing Rules

STAR Acquirers are required to send the same value in DE 037 in both filled purchase pre-authorization requests and the associated pre-authorized completions. STAR ATM and POS Card-Issuer Processors may receive alpha numeric characters in this field from link or reciprocal acquirers such as Plus and Cirrus.

Platform Distinction

Currently, STAR NE Acquirers may send DE 037 in the recommended format. However, STAR NE Issuers will receive DE 037 formatted as four zeros followed by the 8-digit terminal sequence number.

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038 Authorization Identification Response


STAR Element Format Definition Message Type Acquirer

AN-6 Response identification assigned by the issuing institution. Disposition Condition

0120, 0220, 0420 0110, 0210

Conditional Conditional

Should be sent by acquirer if available. STAR SE/W Platforms: Will be sent to acquirer if available.

Issuer

0110

Conditional

Required from Card-Issuer Processor in signature debit authorization responses for approved transactions. Optional from Card-Issuer Processor in PIN-based responses for approved transactions. Will be sent to Issuer if available.

0110, 0210

Optional

012x, 022x, 042x

Conditional

Processing Rules

Required in responses to signature debit authorization requests; optional in responses to pinned-based transactions. Issuers should not use an 'N' or an 'S' in the first position of this field as these designations are used when STAR processing (vs. the Card-Issuer processor) populates DE 038. Doing so could cause confusion to the Acquirer Processor as to whether the Switch or the Card-Issuer Processor denied the transaction. DE 038 is not currently available in responses to acquirer processors on the STAR NE platform.

Platform Distinction

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039 Response Code


STAR Element Format Definition Message Type Acquirer/Issuer

AN-2 A code that defines the disposition of a message. Disposition Condition

0110, 012x, 0130, 0210, 022x, 0230, 0302, 0312, 0322, 0430 042x

Required

Required

Must be value from original response.

Processing Rules

When Response Code is 30, Additional Response Data (DE 044) will/must contain the data element number that is in error. See Chapter 9: Data Element 039: Response Codes in this manual for additional information. The existing value of '10' - which indicates a partial approval amount - will now be valid for use in message type 0210 (financial transaction response), provided the transactions does not involve cash back. Values of 00, or 10 will be allowed from acquirers for 0420 reversal messages when the original amount was partially authorized. Regardless of the response code value sent by the acquirer, response code 00 will be passed to issuers for all reversals of partial approval amount transactions.

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041 Card Acceptor/Merchant Terminal Identification


STAR Element Format Definition Message Type Acquirer

AN-8 Unique value identifying a terminal at the card acceptor/merchant location. Disposition Condition

010x, 0110, 012x, 020x, 0210, 022x, 042x

Required

Processing Rules

None

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042 Card Acceptor/Merchant Identification Code


STAR Element Format Definition AN-15 Code identifying the card acceptor/merchant, which defines the point of the transaction in both local and interchange environments. Disposition Condition

Message Type Acquirer

010x, 012x, 020x, 022x, 042x

Conditional

STAR point of sale and bill payment Acquirer Processors must supply a unique value for each merchant or merchant location.

0110, 0120

Conditional

STAR NE Platform: Returned to acquirers. STAR SE/W Platforms: Not returned to acquirers.

Issuer

010x, 012x, 020x, 022x, 042x

Conditional

STAR NE Platform: Will be sent to issuers if available. STAR SE/W Platform: By default will not be sent to issuers for most transaction types. By special request, can be configured to be sent if available.

0110, 0210

Optional

Required if Card-Issuer Processor wants to receive this element in reversals generated by STAR for late responses.

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042 Card Acceptor/Merchant Identification Code (cont.)


Processing Rules

For message types 010x, 012x, 020x, 022x and 042x, if Positions 1 and 2 of Processing Code (DE 003) contain 00, 20, 50 or 56, then DE 042 must be present except for ATM alternate media transactions. If an Issuer receives invalid data element content in this (or any other) field on a request message, then the Issuer should deny the transaction in the 0110/0210 response message using Response Code 30 (format error). Issuers receiving invalid data element content in a reversal or advice message must still acknowledge the message with a 0230/0430 with a Response Code 00 (approved). Issuers that participate in other networks via STAR software may receive special characters in DE 042. See the STAR ISO 8583 Gateway/Product Interface Guide for additional information.

043 Card Acceptor Location


STAR Element Format Definition AN-40 The location of the card acceptor/merchant, which defines the point of sale in both a local and interchange environment. Card acceptor/merchant name and location must be subdivided as follows:

1-23 Address 24-36 City 37-38 State (alpha representation). 39-40 Country (must use 2-character alpha representation). See Chapter 16: Country/Currency/State Codes.

For Money Transfer OCTs:


1-25 Senders Name 26-38 VISA TRANSFER

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043 Card Acceptor Location (cont.)


Message Type Acquirer

Disposition

Condition

010x, 012x, 020x, 022x 042x

Required

Conditional

Must be returned by an acquirer if the Issuer supplied it in the 0110 or 0210 message.

Issuer

010x, 012x, 020x, 022x 0110, 0210

Required

Optional

Required if Card-Issuer Processor wants to receive this element in a reversal.

042x

Conditional

For reversals for late responses, STAR processing will send if the Issuer returned in the 0110/0210. For acquirer-generated reversals, STAR processing will send if Acquirer supplies it.

Processing Rules

Transactions acquired at networks behind STAR Networks may be passed to Issuers without certain subfields, such as State or Country. Therefore, Issuers should not edit for the presence of all subfields. If their cardholders use terminals located on US Military bases in foreign countries, Issuers may (or may not) receive a value of XX in the State code subfield and a value of US in the Country Code subfield (as several networks require this). Acquirers of transactions for terminals located on US Military bases in foreign countries must populate the State subfield with XX, and must also populate the Country subfield with US. This will enable STAR Networks to comply with other networks' requirements.

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044 Additional Response Data


STAR Element Format Definition LLV AN-25 Field used to provide additional information in response messages. Specifically, DE 044 is used:

for format edit responses. for providing additional information in responses. for responses to negative file status inquiries (STAR SE/W only). Disposition Condition

Message Type

For format edit error responses: Acquirer

0110, 0130, 0210, 0230, 0430

Conditional

May be used by STAR processing to provide information about the nature of edit errors in conjunction with Response Code (DE 039) of 30. Positions 1-3 will include either:

The data element field number in error OR

236 = Invalid pseudo-terminal

STAR NE Platform: Invalid DE 063 pseudo-terminal data. STAR SE/W Platform: Invalid combination of DE 032 and DE 058 terminal type; else unacceptable Acquirer Network ID received in DE 063.

0430

Conditional

A value of 201 may be used by STAR Networks to indicate that the reversal could not be matched to an original transaction.

Issuer

0110, 0210

Conditional

May be used by Issuers to provide information about the nature of edit errors in conjunction with Response Code (DE 039) of 30. Positions 1-3 should include the data element field number which is in error.

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044 Additional Response Data (cont.)


For providing additional information in responses: Acquirer/Issuer

0110, 0210

Conditional

May be used to provide additional information in this format:


1-10 phone 11-25 additional response data

For responses to negative file status inquiries (SE/W Platforms only): Issuer

0312

Conditional

In response to the Card-Issuer Processors 0302 inquiry, STAR will return the status code for the PAN in the negative file.

Processing Rules

See the STAR ISO 8583 Gateway/Product Interface Guide for information on how DE 044 is used in response messages for the STAR CHEK Direct.

Platform Distinction

DE 044 is not used with negative file status inquiries on the STAR NE platform.

045 Track 1 Data


STAR Element Format Definition LLV ANS-76 The information encoded on Track 1 of the magnetic stripe as defined in ISO 7813, including field separators but excluding beginning and ending sentinels and LRC characters as defined therein. Disposition Condition

Message Type Issuer

010x, 012x, 020x,

Conditional

May be received in transactions acquired from links and gateways. Must be returned in the response if received in the request. For stand-in advices, passed if available. Not passed in pre-authorized completions.

0110, 0210

Conditional

022x

Conditional

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045 Track 1 Data (cont.)

042x

Conditional

May be sent for switch-generated reversal advices resulting from edit errors found in the issuers response message. Will not be sent for acquirer-generated reversals.

Processing Rules

STAR Acquirers should not send in DE 045.

047

Additional Data, National


STAR Element Format Definition Message Type Acquirer/Issuer

LLLVAR ANS100 A multi-purpose data element that can be put to various uses in transferring data. Disposition Condition

0100, 0110, 0200, 0210, 0220, 0420

Conditional

Presence in messages depends on usage.

Format Processing Rules

Format varies depending on usage.

See the STAR ISO 8583 Gateway/Product Interface Guide for additional information. Visa Usage - Only supported on the STAR SE/W Platform. MasterCard Usage - Supported on STAR NE/SE/W Platform.

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048 Member Institution/Merchant Name


STAR Element Format Definition LLLV ANS-025 Name of the Member financial institution that owns the ATM, or name of the Merchant where the POS terminal is located or the ATM sponsoring institution. Disposition Condition

Message Type Acquirer

010x, 012x, 020x, 022x 0110, 0210

Required

Conditional

STAR NE Platform: Will not be returned to acquirers. STAR SE/W Platform: By default will not be returned to acquirers. By special request, can be configured to be returned.

0420

Conditional

Send if available.

Issuer

010x, 012x, 020x, 022x 0110, 0210

Conditional

Sent to Card-Issuer Processors if available (as non-STAR networks may not send) Required if Card-Issuer Processor wants to receive this element in reversals generated by STAR processing for late responses. Will be sent, if available.

Conditional

0421

Conditional

Processing Rules

ISO Acquirer Processors should limit the use of special characters.

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049 Currency Code, Transaction


STAR Element Format Definition NP-3 Code defining the local currency of the acquirer. The currency used in Amount, Transaction (DE 004) and Amount, Transaction Fee (DE 028). Disposition Condition

Message Type Acquirer/Issuer

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Required

Processing Rules

See Chapter 16: Country/Currency/State Codes in this manual.

050 Currency Code, Settlement


STAR Element Format Definition Message Type Acquirer/Issuer

NP-3 Code defining the currency of Amount, Settlement (DE 005) and Amount, Settlement Fee (DE 029). Disposition Condition

010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430

Conditional

Required if Amount, Settlement (DE 005) is included in message.

Processing Rules

STAR software does not perform currency conversion. This value will be 840. See Chapter 16: Country/Currency/State Codes in this manual.

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051 Currency Code, Cardholder Billing


STAR Element Format Definition Message Type Issuer

NP-3 Code defining the currency of Amount, Cardholder Billing (DE 006). Disposition Condition

010x, 012x, 020x, 022x, 042x

Conditional

Optionally available to issuers on the STAR SE/W platform for transactions that include a MasterCard Currency Conversion Assessment fee. Should be returned if received.

0110, 0210 0130, 0230, 0430

Conditional Optional

Acquirer

0110, 0210, 0130, 0230, 0430 022x, 042x

Conditional

May be received for transactions for non-US cardholders. May be sent if received in the 0210 response.

Optional

Processing Rules

STAR software does not perform currency conversion. See Chapter 16: Country/Currency/State Codes in this manual.

Platform Distinction

Currently, STAR NE does not support this field.

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052 Personal Identification Number (PIN) Data


STAR Element Format Definition Message Type Acquirer/Issuer

Binary, 8 bytes, or 16 hex bytes if numeric packing option not set. A number assigned to a cardholder intended to uniquely identify that cardholder at the point of service. Disposition Condition

010x, 020x

Conditional

Required if device accepts PIN data. Conditional for Signature Debit Transactions. All STAR ATM & POS Acquirer Processors must transmit the PIN field unless:

Request is generated from an administrative terminal see DE 058 positions 9 and 10 OR

Request is a resubmission of a merchant authorized transaction. (Optional: see Chapter 2: Operational Considerations) OR

Request is for a Product that is defined as PIN-less, such as STAR Bill Payment or STAR Interbank Transfer Credit.

Processing Rules

None

054 Additional Amounts


STAR Element Format Definition LLLV ANS-120 Information on up to six amounts and related account data for which specific data elements have not been defined. Field breakdown, occurring six times, is defined below. Disposition Condition

Message Type Acquirer

010x, 012x

Optional

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054 Additional Amounts (cont.)

010x, 020x, 022x, 042x

Conditional

Required for STAR-acquired transactions (using Amount Type 40) when cash back and/or negotiable items (quasi-cash or scrip) are being processed.

0110

Conditional

For 0110 pre-authorizations for which the issuer approves an amount which is less than the requested amount:

STAR SE/W Platforms: If acquirer did not pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 will be included in the 0110 pre-authorization response message (with amount type '58') to identify the amount authorized by the issuer. If acquirer did pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 will be included in the 0110 pre-authorization response message (with amount type '91') to identify the original request amount. (DE 004 will carry the approved amount.)

STAR NE Platform: DE 054 will be included in the 0100 pre-authorization response message (with amount type 58) to identify the amount authorized by the Issuer.

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054 Additional Amounts (cont.)

0210

Conditional

For 0210 responses for which the issuer approves an amount which is less than the requested amount:

STAR SE/W Platforms:

DE 054 will be included in the 0210 response message (with amount type '91') to identify the original request amount. (DE004 will carry the approved amount.)

STAR NE Platform:

DE 054 will be included in the 0210 response message (with amount type 58) to identify the amount authorized by the Issuer.

022x

Conditional

SE/W Platforms only: Required in STAR-acquired pre-authorized completion messages (using Amount Type 57) to identify the amount originally authorized by the Issuer in the 0110 response.

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054 Additional Amounts (cont.)

042x

Conditional

For reversals of 0110 pre-authorizations for a partial amount:

STAR SE/W Platforms: If acquirer did not pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 must be sent and include the amount type '58' with the amount originally authorized by the issuer. If acquirer did pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 should not be sent for amount type '58'.

STAR NE Platform: DE 054 must be sent and include amoutn type 58 with the amount originally authorized by the Issuer.

For reversals of 0210 responses for a partial amount:

STAR SE/W Platforms: Acquirer need not send DE 054 (but must reverse the entire amount that had been approved in DE 004).

STAR NE Platform: DE 054 must be sent and include amount type 58 with the amount originally authorized by the Issuer.

For reversals of transactions which contained DE 054 in the 0100/0200 requests - such as for amount type 40 for cash back - then DE 054 must be sent with those same amount fields.

Issuer

010x, 012x

Conditional

May be received if acquirer sends.

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054 Additional Amounts (cont.)

010x, 020x, 022x, 042x

Conditional

For STAR-acquired transactions, will be present (with Amount Type 40) when cash back and/or negotiable items (quasi-cash or scrip) are being processed. SE/W Platforms only: May be present in STAR-acquired pre-authorized completion messages (with Amount Type 57) to identify the amount originally authorized by the Issuer in the 0110 response.

022x

Conditional

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054 Additional Amounts (cont.)

042x

Conditional

For reversals of 0110 pre-authorizations for a partial amount:

STAR SE/W Platforms: If Issuer sends DE 054 in 0110 with amount type '58' to convey amount to be authorized, then DE054 will present in the reversal with amount type '58'. If Issuer does not send DE 054 in the 0110 with amount type '58' to convey the amount to be authorized, then DE054 will not be present in the reversal with amount type '58'.

STAR NE Platform DE 054 will be sent and include amount type 58 with the amount originally authorized by the Issuer.

For reversals of 0210 responses for a partial amount:

STAR SE/W Platforms: Issuer will likely not receive DE 054 (as acquirers may only fully reversal partial amount approvals).

STAR NE Platform: DE 054 will be sent and include amount type 58 with the amount originally authorized by the Issuer.

For reversals of transactions which contained DE054 in the 0100/0200 requests - such as for amount type 40 for cash back - then DE 054 will be sent with those same amount fields.

0110, 0210

Conditional

Issuers may return account balances in declined POS transactions. (Some acquiring networks require this for declined prepaid card transactions.)

Format

Position 1-2

Account Type (AN 2)

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054 Additional Amounts (cont.)


Position 3-4 Position 5-7 Position 8-20

Amount Type (AN 2) Currency Code (N3) Sign and amount (X + N12) where: X = sign indicator

C (for positive or zero balances or for fees that are credits to the cardholder or issuer). D (for negative balances or for fees that are debits the cardholder or issuer) nnnnnnnnnnnn = amount

Right-justified, zero-filled Assumes 2 decimal places for US dollar amounts.

Processing Rules

Issuer Members shall not transmit through the STAR Network any positive Available Balance or POS Balance that includes amounts available through an overdraft protection program, other than a line of credit that is subject to Regulation Z, in response to an Authorization request for a Balance Inquiry or for any other purpose. For transactions acquired by networks other than STAR, Issuers cannot rely upon receiving DE 054 with Amount Type 40 conveying the amount of a negotiable item (i.e., quasi-cash or scrip). Quasi-cash or scrip transactions, when received from Visa/Interlink, will be passed to STAR Issuers with a processing code of 11 xx 00. Quasi-cash or scrip transactions acquired by other networks may need to be distinguished based upon other data elements such as Merchant Type (DE 018). The sign indicator for STAR cash back amounts should be set to C (positive amount). See Chapter 10: Data Element 054: Additional Amounts in this manual for additional details. For transaction response messages that are being approved for a partial amount, the content of DE 054 for amount type 91 (amount of original request) must use the currency code and associated amount of the acquirer (i.e., DE 049 - currency code, transaction and DE 004 - amount, transaction).

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054 Additional Amounts (cont.)

STAR SE/W Platforms only: When the Response Code (DE 039) is 10, then (assuming new methodology) DE 054 must include the original requested amount, specified as follows:

Account Type 00 for prepaid cards, or else the From Account type from positions 3 4 of DE 003 (Processing Code) in the response message Account Type 91 (original amount) The local (acquirer) currency code for DE 049 of the request message The local (acquirer) currency amount from DE 004 of the request message

For issuers that return balances in 0110 and 0210 response messages, the DE 054 sub-elements will need to be populated as follows:

Account Type 00 for prepaid cards, or else the From Account type from positions 3 4 of the DE 003 (Processing Code) in the response message Amount Type 02 (account available balance) for prepaid cards, or else 01(ledger balance) and/or 02 for all other non-prepaid cards Currency Code 840 Balance Amount

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055 Additional Fees


STAR Element Format Definition LLLV ANS-088 Information for up to four fees may be contained in this data element. The amounts contained in this field will be handled differently (with regard to funds movement to and impact to cardholder accounts) based upon the fee type, settle/memo indicator, and amount sign indicators. Disposition Condition

Message Type Issuer

010x, 012x, 020x, 022x, 042x

Optional / Conditional

For Issuers who have opted to receive this field, it will be present when any additional fee amounts are available in the message. Required if the Additional Fees data element is received in the request. The response value must be the same as the value in the request. Fee Type

0110, 0130, 0210, 0230, 0430

Conditional

Values

Position 1-2

00 = Transaction Fee. First amount is in transaction currency and second amount is in settlement currency. 15 = Currency Conversion Assessment (CCA fee). First amount is in cardholder bill currency and second amount is in settlement currency.

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055 Additional Fees (cont.)


Position 3 Settle/Memo Indicator

0 = Card-Issuer processor should not apply this fee to cardholder account. This is appropriate for POS interchange fees (as the issuing bank retains such fees). STAR moves POS interchange fees to issuing bank as part of daily settlement processing. It is also appropriate to not charge the cardholder separately for fee type 15 (CCA) as this fee is already contained in the transaction amount. '1' = Card-Issuer processor should apply this fee (in addition to the transaction amount) to the cardholder account. Such handling is appropriate for surcharge fees. (At this time, STAR uses only DE 028 and DE 029 for surcharge fees.)

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055 Additional Fees (cont.)


Position 4 Decimalization Indicator Fee Amount

Position 5-13

X + N8 See notes under Position 1-2, Fee Type to determine which currency is used to represent the fee amount. X + N8

Position 14-22 Processing Rules


Settle Fee Amount

Numeric (except for sign indicator). Each fee amount field is right-justified, zero-filled. Assumes 2 decimal places for US dollar amounts. For non-US dollar amounts, decimal position is per ISO standard (usually, but not always, 2 positions). X (sign indicator):

'C' = Credit to the cardholder or issuer 'D' or '0' = Debit to the cardholder or issuer

In reversals, the sign indicator is reversed to indicate reversal of the amount. For full reversal transactions, DE 055 will reflect the reversal of the full fee amounts. For partial reversal transactions, DE 055 will likewise reflect the reversal of the full amounts; however, for such transactions, the content of DE 056 becomes the actual amount of the fees to be associated with the portion of the transaction amount that was not reversed. The STAR ISO 8583 Gateway/Product Interface Guide provides additional processing information for Gateway processing.

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056 Replacement, Additional Fees


STAR Element Format Definition LLLV ANS-088 Used only in support of partial amount reversals. It will be used together with DE 055:

DE 055 will have reversed sign indicators and amounts equal to those in the original transaction, to reflect a full reversal of the original amounts. DE 056 will contain revised amounts that are appropriate for the actual transaction amount. The sign indicators in DE 056 will be consistent with those that were used in DE 055 in the original request. Disposition Condition

Message Type Issuer

0420

Optional / Conditional

For Issuers who have opted to receive this field, it will be present in partial amount reversals when additional fee amounts are available in the message. Required if received in the 0420 reversal. The values must be the same as those received in the reversal. Fee Type

0430

Conditional

Values

Position 1-2

00 = Transaction Fee. The first amount is in the transaction currency and the second amount is in the settlement currency. 15 = Currency Conversion Assessment (MasterCard CCA fee). The first amount is in the cardholder bill currency and the second amount is in the settlement currency.

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056 Replacement, Additional Fees (cont.)


Position 3 Settle/Memo Indicator 0 = Card-Issuer processor should not apply this fee to the cardholder account. This is appropriate for POS interchange fees (as the issuing bank retains such fees). STAR moves POS interchange fees to the issuing bank as part of daily settlement processing. It is also appropriate to not charge the cardholder separately for fee type 15 (CCA) as this fee is already contained in the transaction amount. 1 = Card-Issuer processor should apply this fee (in addition to the transaction amount) to the cardholder account. Such handling is appropriate for surcharge fees. (At this time, STAR uses only DE 028 and DE 029 for surcharge fees.) Position 4 Decimalization Indicator 0

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056 Replacement, Additional Fees (cont.)


Position 5-13 Fee Amount X + N8 See notes under Position 1-2 Fee Type to determine which currency is used to represent the fee amount. Settle Fee Amount X + N8

Position 14-22 Processing Rules


Numeric (except for sign indicator). Each fee amount field is right-justified, zero-filled. Assumes 2 decimal places for US dollar amounts. For non-US dollar amounts, decimal position is per ISO standard (usually, but not always, 2 positions). X (sign indicator):

C = Credit to the cardholder or issuer D or 0 = Debit to the cardholder or issuer

In partial reversals, X will match DE 055 sign indicator in the original request. The STAR ISO 8583 Gateway/Product Interface Guide provides additional processing information for Gateway processing.

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057 Authorization Life Cycle


STAR Element Format Definition LLLV N-003 Authorization life cycle a value in calendar days, hours, or minutes which defines the time period for which an Acquirer is requesting guarantee of funds. Disposition Condition

Message Type Acquirer/Issuer

010x

Required

Pre-authorizations must be set at two (2) hours to comply with STAR Operating Rules. Thus, the proper setting for this field is 202. Values may vary between other networks.

0110

Optional

Required if needed in reversal for late or unsolicited response. If provided in the original 0100. Life Cycle Indicator 1 = Calendar Day 2 = Hours 3 = Minutes

042x

Required Position 1

Format

Position 2-3

Actual Interval

Time interval # of days, hours, or minutes

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058 National Point-Of-Service Condition Code


STAR Element Format Definition Message Type Acquirer/Issuer

LLLV N-010 Provides additional information regarding the disposition of the transaction, customer, terminal. Disposition Condition

01xx, 02xx, 04xx

Required Position 1 Position 2 Position 3 Position 4 Terminal Class - Terminal Operation Terminal Class - Customer Operation Terminal Class - On/Off Premise POS Condition Code - Presentation Data: Cardholder Presence Indicator; Purchase/Order/ Payment Type Indicator POS Condition Code - Presentation Data: Card Presence Indicator POS Condition Code - Presentation Data: Card Retention/Capture Capability Indicator POS Condition Code - Presentation Data: Presentment Indicator Security Condition POS Condition Code/Terminal Type

Format

Position 5

Position 6

Position 7

Position 8 Position 9-10 Processing Rules

See Chapter 11: Data Element 058: National Point of Service A for additional information.

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059 National Point-Of-Service Geographic Data


STAR Element Format Definition LLLV AN-017 National Point-of-Service A series of codes to identify the state, county, postal service code, and country code geographic data where the ATM or Point-of-Service device is physically located. Disposition Condition

Message Type Acquirer

010x, 012x, 020x, 022x, 042x

Conditional

This is a mandatory data element for some networks (access to which may be provided by STAR).

Issuer

0110, 0210

Optional

Required if needed in reversal for late or unsolicited response.

013x, 023x, 043x

Optional Position 1-2 Position 3-5 Position 6-14 Position 15-17 State Code (2N) County Code (3N) Postal Service Code (5-9AN) Country Code (3N)

Format

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059 National Point-Of-Service Geographic Data (cont.)


Processing Rules

This element is not required for STAR Acquirer Processors unless participating in another network that requires it. See the STAR ISO 8583 Gateway/Product Interface Guide. STAR SE/W Card-Issuer Processors may request to be configured to receive this field if they participate in any of STAR's gateways or links. If County Code is unavailable, this sub-element may be zero-filled if later sub-elements are included. If Country Code is included, blank-fill any unused Postal Service Code positions. If their cardholders use terminals located on US Military bases in foreign countries, and if Issuers are configured to receive DE 059, then Issuers may (or may not) receive a value of 99 in the State code subfield (as several networks require this). Acquirers of transactions for terminals located on US Military bases in foreign countries and who send in DE 059, must populate the State subfield with 99. This will enable STAR to comply with other networks' requirements. DE 059 is not currently sent to Issuers on the STAR NE Platform.

Platform Distinction

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060 Advice / Reversal Code


STAR Element Format Definition Message Type Acquirer/Issuer

LLLV AN-006 Defines the reversal and/or advice reason codes. Disposition Condition

012x, 022x, 042x

Required Position 1-2 The hexadecimal character representation of a bit map indicating the presence of the following subfields:

Format

80 = Reversal reason present. 40 = Advice reason present. C0 = Both reversal and advice reason subfields are present. If the bit map indicates that only one reason code is present, that value will appears in positions 3-4 (i.e., either a reversal reason or an advice reason code). Formats:

Position 3-4

80RR where RR is a valid reversal code. 40AA where AA is a valid advice code.

Position 5-6

Is only populated if the bit map value is C0. In such instances, the advice reason code appears in positions 5-6 (and the reversal code appears in positions 3-4). Format: C0RRAA where RR is a valid reversal code, and AA is a valid advice code.

Processing Rules

For a reversal, STAR Acquirer Processors should send only a reversal reason For an advice, STAR Acquirer Processors should send only an advice reason

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060 Advice / Reversal Code (cont.)


Processing Rules (continued)

For a reversal of an advice, STAR Acquirer Processors should send both the reversal and advice reason sub-elements STAR Acquirer Processors should not send in values of 3, 4, or 9 in position 1 of the reversal reason code field, as these values are to be assigned by the STAR. (Networks behind STAR, however, may also assign a value of 3.) STAR POS Acquirer Processors supporting a pre-authorization request (0100/0101) and financial transaction advice (0220/ 0221) should set the advice reason code value to '24' in the 022x advice STAR POS Acquirer Processors are not permitted to send in 0120 approval advices, nor are they permitted to send in 0220 force post approval advices for transactions that did not have an associated 0110 approval response. For this reason, STAR POS Acquirer Processors may not send in advice reason code position 2 values of 5, 6, or 7 STAR SE/W Platforms Only: STAR Card Issuer Processors that transmit a 0110 or 0210 response message that fails STAR switch data element edits will receive a 0420 reversal message with a reversal reason code of '30' STAR Card Issuer Processors may receive denial and/or force post advices with advice reason code values of "31", "32", or "33" for transactions STAR switch declines when the Card Issuer Processor does not respond (or respond timely) to transaction requests Networks behind STAR may send both sub-elements in a reversal or an advice, so STAR Card Issuer processors should be prepared to accept zeros in either sub-element. Additionally, networks behind STAR may use reversal and advice reason code values other than the values used by STAR. For this reason, STAR Card Issuer Processors should not limit their ability to accept values to only those listed in Chapter 12.

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060 Advice / Reversal Code (cont.)


Processing Rules (continued)

STAR NE Platform ony

An advice code of CV indicates the STAR NE Switch has denied a transaction due to invalid CV value on the issuers behalf An advice code of AT indicates the STAR NE Switch has denied a transaction on the issuers behalf due to invalid ATC counter. Ad advice code of DB indicates the advice is a notification of a foreign deposit acquired at one of the processors STAR driven ATMs

STAR SE/ W Platforms only: An advice code of 34 in conjunction with a response code (DE 039) value of 05, indicates a CV Threshold limit has been reached Chapter 12: Data Element 060: Advice/Reversal/Reason Code in this manual indicates further values, and additional information

061 Acquirer Transport Data


STAR Element Format Definition Message Type Acquirer/Issuer

LLLV ANS-100 Free format data of up to 100 bytes that will be echoed to the Acquirer Processor in the response to their request. Disposition Condition

010x, 012x, 020x, 022x, 042x 0110, 0130, 0210, 0230, 0430

Optional

Conditional

Required if received in request.

Processing Rules

This field will not be passed on to the Card-Issuer Processor.

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062 Issuer Transport Data


STAR Element Format Definition Message Type Acquirer/Issuer

LLLV ANS-100 Free format data of up to 100 bytes that will be echoed to the Card-Issuer Processor in response to their request. Disposition Condition

0302, 0312

Conditional

Required for signature debit clients that have elected to send negative file messages online through the STAR network to Visa or MasterCard.

0302, 0312

Optional

Processing Rules

This field will not be passed on to the Acquirer Processor. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 5: Data Element 62: Issuer Transport Data for additional information.

063 STAR Identification Data


STAR Element Format Definition Format - Fixed Data Length 2 Format - Variable Data Length Byte Map/POS Value 1/8 1/4 1/2 1/1 Description Bit Number Description Data Byte Map LLLV ANS-050 This data element provides STAR-defined information.

6 3 3 6

Pseudo Terminal ID Issuer Network ID Acquirer Network ID Processor ID

1 2 3 4

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063 STAR Identification Data (cont.)


2 2/8 Auth Timeout (not used for STAR transactions) Open Account (not used for STAR transactions) 5

15

2/4

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063 STAR Identification Data (cont.)


5 2/2 Processing Flags

Position 1: Externally settled transaction indicator (not used for STAR transactions).

Values = Space or 0 Position 2: Reserved for Future Use Value = Space

Position 3: Merchant partial amount approval capability. Values:

Space or 0: Merchant terminal does not support receipt of partial approvals. 1: Merchant terminal supports receipt of partial approvals.

Positions 4-5: Reserved for future use.

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063 STAR Identification Data (cont.)


Sub-element Pseudo Terminal ID Acquirer/Issuer

Message Type

Disposition

Condition

010x, 012x, 020x, 022x, 042x,

0110, 0130, 0210, 0230, 0430

Required

Issuer Network ID Issuer

0100, 0120, 0200, 0220, 0420 0110, 0210

Optional

Conditional

May be returned in response if received in the request.

Acquirer

0110, 0210 0220, 0420

Optional Conditional May be returned in advice if received in response.

Acquirer Network ID Issuer

0100, 0120, 0200, 0220, 0420

Optional/Mandatory

STAR SE/W: Optional for Issuers to receive. STAR NE: Mandatory for Issuers to receive.

0110, 0210

Conditional

May be returned in response if received in the request.

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063 STAR Identification Data (cont.)


Acquirer

0100, 0200

Conditional

STAR SE/W platforms, permitted only:

With STAR CHEK Direct product. When acquirer processor represents a link to another non-STAR network.

STAR NE platform: Not used.

0110, 0210

Optional

Optional for Acquirers to receive.

0220, 0420

Conditional

STAR SE/W platforms, permitted only:

With STAR CHEK Direct product. When acquirer processor represents a link to another non-STAR network. When received in response.

STAR NE platform: Not used.

Processor ID Acquirer/Issuer

0100, 0110, 0120, 0200, 0210, 0220, 0420

Optional

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063 STAR Identification Data (cont.)


Processing Flags Acquirer

0100, 0110, 0420 0200, 0210

Optional

Conditional

Required when the acquiring terminal is capable of supporting partial authorizations.

Issuer

0100, 0110, 0120 0200, 0210, 0220, 0420

Optional

Conditional

Required for issuers that support partial authorizations for financial transactions.

Processing Rules

Pseudo Terminal ID:


Value is provided by Acquirer Processor. On the STAR NE Platform, the value to be sent by acquirers must be coordinated with STAR. It also must be passed in upper case. On the STAR SE-W Platforms, the value is not edited and will be changed at STAR to a STAR-assigned value (which is associated with data provided by the Acquirer in De 032 and DE 058). For this reason, the pseudo terminal value contained in STAR SE-W settlement user files may not match the value supplied in the request.

Issuer Network ID:

Tells the Acquiring Processor which network authorized the transaction. See Chapter 1 in the STAR ISO 8583 Gateway Product Interface Guide for all valid Issuer Network IDs.

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063 STAR Identification Data (cont.)


Acquiring Network ID:

Tells the Issuing Processor which network acquired the transaction See Chapter 1 in the STAR ISO 8583 Gateway Product Interface Guide for all valid Acquiring Network IDs. STAR NE Platform: Acquirer Network IDs not listed in that chapter are non-gateway STAR NE Acquirers.

Processor ID:

Tells the Issuing Processor which network acquired the transaction Also indicates to the Acquiring Processor which processor authorized the transaction.

Processing Flags:

This sub-field may or may not be present in varying transactions. Used to indicate to the issuer whether or not the acquirer is capable of handling a partial amount authorization. For financial transactions (message type 0200/0210), issuers should not return partial amount approval for transactions for which position 3 of Processing Flags is not equal to 1. If sent by the acquirer and/or received by issuer in an advice (0220 or 0420) transaction, the transaction must be processed, regardless of the content of this field.

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070 Network Management Information Code


STAR Element Format Definition Message Type Acquirer/Issuer

NP-3 Used to identify network status in network management messages. Disposition Condition

0800, 0810, 0620

Required Code Processor Initiated Unsupported Signon as Issuer/ Authorizer Signon as Acquirer Switch Initiated

Format

0800, 0810

005 061

Unsupported Signon as Acquirer Processor Signon as Issuer Processor Signoff as Acquirer Processor Signoff as Issuer Processor Acquirer working key change Card-Issuer working key change Not supported

071

062

Signoff as Issuer/ Auth. Signoff as Acquirer

072

161

Unsupported

171

Unsupported

181

Acquirer Key change request Issuer Key change request Unsupported

191

Not supported

261

Acquirer Processor, End of day

262

Cut-off complete as Authorizer (STAR CHEK Direct only)

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070 Network Management Information Code (cont.)


271 Unsupported Authorizer/Issuer Processor, End of day

272

Cut-off complete as Acquirer (STAR CHEK Direct only) Issuer/Authorizer handshake/echo test Acquirer Processor handshake/echo test Message format syntax error Acquirer Processor handshake/echo test Issuer handshake echo test Message format syntax error

361

371

0620

900

Processing Rules

Valid Network Management Code Required.

090 Original Data Elements


STAR Element Format Definition NP-42 The data elements contained in the original message, intended to identify a transaction for correction or reversal. These five sub-elements are in fixed length format totaling 42 numerics. Absence of data is indicated by zeros. Disposition Condition

Message Type Acquirer/Issuer

042x, 0430

Required Attribute N4 Position 1-4 Notes Original Message Type, echoed from original 010x, 020x or 022x. Original System Trace Audit number. Original transmission date (DE 013) and time (DE 012). Original acquiring institution identification code. Zero-filled if acquired by STAR.

Format

N6 N10

5-10 11-20

N11

21-31

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090 Original Data Elements (cont.)


N11 32-42 Original forwarding institution identification code. (Zero-filled if acquired by STAR.)

Processing Rules

The first three sub-elements are supported by STAR. The remaining two sub-elements must be zero-filled. If an Acquirer Processor zero-fills either the Original system trace audit number or the Original transmission date and time, the Switch will replace the zeros with data contained from DE 011 and DE 007. 022x reversal is only permitted when acquired from a link or Gateway. STAR CHEK Direct only: Outbound messages contain the original message type. The system trace audit number and local date/time are sent if available. Absence of data is indicated by zeros. Routing and transit fields will be right-justified, zero-filled.

091 File Update Code


STAR Element Format Definition AN-1 Indicates to the Switch which procedure to follow. The following codes are utilized in negative file maintenance at the STAR Switch. Disposition Condition

Message Type Acquirer/Issuer

0302, 0312, 0322

Required Code 1 2 3 5 Add record Change/Update record Delete record Inquiry Description

Value

Processing Rules

Valid value required for negative file update.

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095 Replacement Amounts


STAR Element Format Definition AN-42 The replacement amounts necessary to perform a partial or over-dispense reversal on a financial transaction. The four sub-elements are in fixed length format totaling 42 characters. Absence of data is indicated by zeros. Disposition Condition

Message Type Acquirer/Issuer

042x, 0430

Conditional Attribute N-12 Position 1-12 Notes Actual Amount, Transaction: the amount dispensed in the currency of the Acquirer Processor if the transaction was acquired internationally. Actual Amount, Settlement: in US currency. Actual Amount, Transaction Fee: the transaction fee in the currency of the Acquirer Processor if the transaction was acquired internationally. Actual Amount, Settlement Fee.

Format

N-12

13-24

X + N-8

25-33

X + N-8

34-42

All four (4) sub-elements will be present. Actual Amount, Transaction and Actual Amount, Settlement will be the same if the transaction was performed in US currency. In the case where an over-dispense occurs, Actual Amount, Transaction or Actual Amount, Settlement will exceed Amount, Transaction (DE 004). STAR Point of Sale Acquirer Processors may generate partial/ overdispense reversals from ATM multi-media device types.

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095 Replacement Amounts (cont.)


Processing Rules

Signed Numeric. X must be C (Credit to the cardholder) or D (Debit to the cardholder). Over- and under-dispense reversals are supported via an 0420 message, not as an additional debit transaction. DE 095 should be populated with the amount actually dispensed (e.g., an amount greater or less than the original amount requested). DE 095 should not be populated with amount equal to the original amount in DE 004 or DE 005, because if the amount dispensed equaled the amount requested, then reversal would have no net effect. Zero-dollar reversals (where the amount in DE 004 or DE 005 is zero) are not permitted.

096 Message Security Code


STAR Element Format Definition AN-8 A verification value transmitted between a message originator and a message receiver, used to verify that the message originator is authorized to originate messages on the interface. This value is Switch-assigned. Disposition Condition

Message Type Acquirer/Issuer

0302, 0800

Required

STAR CHEK Direct only: 0302 is not used. Left-justified, blank-filled.

Format Processing Rules

AN-5 None

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100 Receiving Institution Identification Code


STAR Element Format Definition Message Type Acquirer/Issuer

LLV NP-9 Unique to STAR CHEK Direct. This field is used to determine the authorization entity for routing. Disposition Condition

0100, 0120, 0200, 0220, 0420 0110, 0210

Required

All STAR CHEK Direct check transactions.

Conditional

STAR SE/W: Switch returns this field to the acquirers. Issuers do not need to return it in a response. STAR NE: Optional.

Processing Rules

Should contain the checks 9-digit Routing and Transit number.

101

File Name
STAR Element Format Definition Message Type Acquirer/Issuer

LLV ANS-17 The actual or abbreviated name of the file being accessed. Disposition Condition

0302 0322, 0382, 0392 0332, 0392, 0394

Required Required Conditional STAR NE Platform only STAR NE Platform only

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101

File Name (cont.)


Processing Rules STAR SE/W Platforms:

For 0302, must be 'PI-NEGATIVE'.

STAR NE Acquirer:

0302:

For negative file update request, must be 'PI-NEGATIVE'. For ATC reset request, must be 'ATC-RESET'

0312:

STAR NE does not echo DE 101 in 0312 replies.

0382:

For card activation request, must be 'CARD ACTIVATION' For PIN offset file update request, must be 'OFFSET FILE'

0392:

STAR NE echoes DE 101 in 0392 replies.

STAR NE Issuer:

0302:

For negative file update, will be 'PI-NEGATIVE'.

0322:

For negative file update advice, will be 'PI-NEGATIVE'.

0382:

For card activation notification, will be 'CARD ACTIVATION' For PIN change request, will be 'PIN CHANGE'

0384:

For PIN change advice, will be 'PIN CHANGE'

0312/0332/0392/0394: DE 101 is optional for STAR NE issuers.

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102 Account Identification 1


STAR Element Format Definition LLV ANS-28 Series of digits used to identify a customer account or relationship. Account Identification 1 is primarily used for the from account in a transaction. Disposition Condition

Message Type Acquirer/Issuer

010x, 0110, 012x, 020x, 0210, 022x 020x

Optional

Conditional

Will be provided in the request for Co-Operative clients. Must be returned by Acquirer if Issuer supplied in the 0110 or 0210 response message.

042x

Conditional

Processing Rules

None

103 Account Identification 2


STAR Element Format Definition LLV ANS-28 Series of digits used to identify a customer account or relationship. Account Identification 2 is primarily used for the to account in a transaction. Disposition Condition

Message Type Acquirer/Issuer

010x, 0110, 012x, 0210, 022x 020x

Optional

Conditional

Will be provided in the request for Co-Operative clients. Must be returned by Acquirer if Issuer supplied in the 0110 or 0210 response message.

042x

Conditional

Processing Rules

None

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104 Transaction Description


STAR Element Format Definition Message Type Acquirer

LLLV ANS-100 Data describing additional characteristics of the transaction for billing and other purposes. Disposition Condition

010x, 012x, 020x, 022x, 042x

Conditional

Required for STAR POS Acquirer Processors on all transactions except POS balance inquiries. Required for Point of Sale (POS) Acquirer Processors who access Interlink through their STAR connection. Required for STAR ATM alternate media transactions.

0110, 0210

Conditional

Will be returned to acquirer if received in request.

Issuer

010x, 012x, 020x, 022x, 042x 0110, 0210

Conditional

Will be sent to issuer for POS transactions.

Conditional

Required if Card-Issuer Processor wants to receive this element in reversals generated by STAR processing for late responses.

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104 Transaction Description (cont.)


Format

Position 1 - The Interlink Interchange Group Identifier can have the following values:

N = Acquirer Processor does not participate in Interlink through STAR W = Pre-existing qualified Interlink supermarket (SE/W only) X = Pre-existing Interlink merchant (SE/W only) Y = Qualified Interlink supermarket (SE/W only) Z= Standard Interlink merchant (SE/W only)

Position 2-4 STAR Interchange Group Identifier


Left justified, variable length (1-3 bytes) If Position 5 (Aggregration Indicator) is not present, then trailing spaces are dropped. If the Aggregation Indicator is present then A 1-byte STAR Interchange Group identifier is followed by spaces in positions 3-2. A 2-byte STAR Interchange Group Identifier is followed by one space in position 4.

Position 5 - Aggregation Indicator This subfield may or may not be present. If present, valid values include:

Y - Transaction in an aggregated transaction N - Transaction is not an aggregated transaction.

Processing Rules

DE 104 must be present in alternate media transactions and reversals. See the Alternate Media section of the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 4 for details and associated reversals. See Chapter 13 in this manual for valid interchange identifier values. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 12 for details on formatting this element in NYCE Payment transactions.

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105 Large Private Data


STAR Element Format Definition Message Type Acquirer/Issuer

LLLV ANS-999 Private issuer-generated data, delivered in a custom format depending on issuers usage. Disposition Condition

0100, 0110, 0220, 0210, 0220, 0420

Conditional

Presence in messages depends on usage.

Format

Format varies depending on usage. Consists of a fixed-length data segment followed by a variable-length segment that may repeat.

Processing Rules

See Chapter 12: Data Element 105: Large Private Data in this manual for information on current usages of DE 105. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 11 for details on formatting this element in NYCE Payment transactions.

109 Sender Data


STAR Element Format Definition Message Type Issuer

LLLV AN-255 This tagged data field is used to carry information from and about the sender of the transaction. Disposition Condition

0100, 0120, 0200, 0220, 0420 0100, 0210

Optional

Currently supported for certain types of MasterCard acquired transactions. May be returned, if received, in the request (if the Card-Issuer Processor wants to receive this field in a reversal for a late response)

Conditional

Processing Rules

See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 12 for details on how this element is used in transactions.

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111 Additional Data, Private Acquirer


STAR Element Format Definition Message Type Acquirer

LLLV AN-255 Private acquirer originated transaction data. Disposition Condition

010x, 012x, 020x, 022x, 042x

Conditional

Required to convey MasterCard-assigned ID for tiered interchange pricing.

Issuer

010x, 012x, 020x, 022x, 042x

Optional

For STAR Issuers, in certain instances and upon request, STAR can pass DE 111 to convey information received from other networks

Processing Rules

See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 8, DE111: Additional Data, Private Acquirer for detailed information on uses, formats, and platform distinctions for this data element.

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113 Card Issuer Identification Code


STAR Element Format Definition LLLV N-11 Authorizing agent institution Routing and Transit Number (FRD-ABA) identifies the Card-Issuer approving or denying a financial request. Disposition Condition

Message Type Issuer

0110, 0210

Required

All STAR ATM & POS issuing processors must format the FRD-ABA as 1NNNNNNNNC where NNNNNNNN is the FRD-ABA and C is a check digit. This data element is a uniquely identifying number agreed upon by the network.

Acquirer

010x, 012x, 020x, 042x

Optional

If transmitted by another Network. STAR CHEK Direct only: 0220 messages may also use this data element.

0110, 0210

Conditional

Will be passed to acquirer if available.

Processing Rules

Field length of 10 containing numeric digits, or field length of 11 with a trailing blank. Field may not be packed. If the data element begins with a 1, STAR members must populate the field as a FRD-ABA with a value check digit (MOD 10). Links and gateways may not always transmit a valid FRD-ABA check digit. If a STAR Card-Issuer Processor responds with a FRD-ABA of all zeros, the Switch will overlay the zeros with the institution's FRD-ABA as defined in the STAR database.

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113 Card Issuer Identification Code (cont.)


Platform Distinction For transactions where the Card Issuer cannot be identified (e.g., the BIN is not in the routing files loaded into STAR), a a default FRD-ABA will be returned by the Switch to the Acquirer Processor. Default FRD-ABA values for STAR platforms:

STAR SE = 1111111111 STAR W = 1605460540 STAR NE = 1031000011

114 Country Code, Authorizing Agent


STAR Element Format Definition Message Type Issuer

LLLV AN-3 Code identifying the country where the authorizing agent institution is located. Disposition Condition

0110, 0210

Optional

Acquirer

0110, 0130, 0210, 0230, 0430

Conditional

May be received for transactions for non-US cardholders.

Processing Rules

None

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120 Account Qualifiers 1 and 2


STAR Element Format Definition Message Type Acquirer/Issuer

LLLV AN-6 Used to identify account qualifiers in a multiple account transaction. Disposition Condition

010x, 0110, 012x, 020x, 0210, 022x, 042x

Optional

Format

3 AN

Account Qualifier 1: This sub-element identifies the from account involved in a transaction. Account Qualifier 2: This sub-element identifies the to account involved in a transaction.

3 AN

Processing Rules

STAR NE Platform:

Account Qualifier 1 and Account Qualifier 2 must be one of the following values:

000 = Not applicable to the transaction 1nn = Checking 2nn = Savings 3nn = Credit 4nn = Other

Where nn is the sequence number of the account. Valid values are '01' through '99'. A value of '01' indicates the primary account of the type indicated.

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121 Additional Data, Private Issuer


STAR Element Format Definition Message Type For Statement Processing: Acquirer/Issuer

LLLV ANS...999 Used to convey issuer-specific data. This data may vary by transaction type, product, or network. Disposition Condition

0200, 0210

Conditional

Required for Statement Processing request/ reply transactions.

For MasterCard- and/or Visa-Issuer transactions: Acquirer

0110, 0210

Optional

Acquirers on the STAR SE/W platforms can elect to have this optional data element enabled for transaction responses from MasterCard and Visa.

For STAR Signature Debit transactions: Issuer

0110

Optional

Issuers on the STAR SE/W platforms can elect to provide a Merchant Advice Code. If not provided, the STAR switch will return a default value.

Format Processing Rules

Varies, depending upon usage.

For additional information on DE 121 usage with statement processing, see Chapter 15 in this manual. For additional information on DE 121 usage with Visa- and MasterCard-issued transactions, see Chapter 9 DE 121: Additional Data, Private Issuer in the STAR ISO 8583 Gateway/ Product Interface Guide.

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122 Sponsor Bank ID


STAR Element Format Definition LLLV AN-11 Used to pass values assigned by other networks to represent the acquirer or its sponsor. Such values are optionally available in DE 122 to Issuers on the STAR SE/W platforms. STAR populates and/or maps sponsor values in requests to the other networks on behalf of its Acquirers. Disposition Condition

Message Type Issuer

010x, 012x, 020x, 022x, 042x

Optional

For the Issuers electing to receive it, DE 122 can carry MasterCard acquirer Customer ID or VISA Sponsor Bank ID values. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.

0110, 0210

Optional

Processing Rules Platform Distinction

STAR Acquirers should not send in DE 122. This field is for STAR SE/W Issuers only; it is not applicable for the STAR NE Platform.

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123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits
STAR Element Format LLLV ANS-255: Address Verification, Card Verification/Validation, ATM Overdraft LLVAR ANS 157: Self Service Check Deposits Definition This data element can carry data for several purposes:

Signature Debit transactions:


Address Verification (AVS data) Card Validation data and results for MasterCard CVC2 and Visa CVV2 (STAR SE/W Platforms only) 3-D Secure Validation results (STAR SE/W Platforms only)

Self Service Check Authorization data (check guarantee and check verification):

MICR data Drivers license information

ATM Overdraft capability/eligibility information (STAR NE Platform only). STAR CHEK Direct Check Authorization.

See STAR ISO 8583 Gateway/Product Interface Guide Chpater 11: Data Element 085: National Point of Service and Chapter 12: Data Element 060: Advice/Reversal Reason Code for details on STAR CHEK usage.

Cash and Check Deposits

See STAR ISO 8583 Gateway/Product Interface Guide Chapter 6: Data Element 123: AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash and Check Deposits for details on each of the usages above.

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123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits (cont.)
Message Type Acquirer/Issuer

Disposition

Condition

010x, 0110, 020x, 0210, 022x, 042x

Conditional

Cash/Check Deposit

0100

Conditional

STAR Switch forwards MICR data, if received, for a cashed check transaction. Issuers must be able to receive and send for cash/check deposit authorizations.

0200, 0220, 0420

Conditional

Processing Rules

When using the Tagged Data format, multiple components, such as AVS and CVV2 data, may appear in a single message and vary in their order. The Format Type identifier TD must occupy positions 1-2 of the element for all tagged formats. STAR NE Platform supports AVS through this data element only in the Tagged Data format.

Platform Distinction

124 Additional Data, Private


STAR Element Format Definition Message Type Acquirer/Issuer

LLLV ANS-255 This is a multi-purpose field defined by STAR. Disposition Condition

0620

Required

First 255 bytes of message in error; can contain up to the first 255 bytes of the message. Card Activation and PIN Change/ Offset: Defines the cardholder data to be modified. Issuer PIN Change Advice: New PIN offset value

0382, 0392

Required

0384, 0394

Required

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124 Additional Data, Private


Format

Length AN 19 AN 5

Description Card Number Member Number

Notes Required Conditional: Required if Issuer supports it.

Card Activation

AN 41 AN 1

Filler (spaces) Card Activation


Y = Card is active. N = Card is not active.

PIN Offset File Update, PIN Change Advice PIN Change

N4

PIN Offset

New PIN offset value.

N2

Old PIN Indicator

Value = 03 (ANSI PIN block). The old PIN encrypted under the current PIN encryption key. Value = 03 (ANSI PIN block). The new PIN encrypted under the current PIN encryption key.

b64

Old PIN Block

N2

New PIN Indicator

b64

New PIN Block

Processing Rules Platform Distinction

None

Card Activation and PIN Change/Offset usage is available on the STAR NE platform only. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 13, DE124: Additional Data, Private for detailed information on uses, formats, and platform distinctions for this data element.

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125 Network Management Information/Tagged Issuer Data


STAR Element Format Definition Message Type LLLV ANS-56 This field is used for dynamic key management or to carry Issuer-related tagged data. Disposition Condition

Network Management Information Acquirer/Issuer

0800, 0810

Conditional

Required in 0800 messages with Network Management Code (DE 070) equal to 161 or 171. Description Single DES:

Format

Code 20

16-character key (an Acquirer Processor Working Key). 4 character check digits (first four bytes of the result of encrypting 16 zeros with the key being transmitted).

36

Triple DES:

32-character key (an Acquirer Processor Working Key). 4 character check digits (first four bytes of the result of encrypting 16 zeros with the key being transmitted.

Processing Rules Message Type

None Disposition Condition

Tagged Data Information Acquirer 0110, 0210, 0220, 0420 Optional Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal mesages.

Issuer 0100, 0120, 0200, 0220, 0420 Optional By special request, can be configured to be sent if available.

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125 Network Management Information/Tagged Issuer Data (cont.)


Issuer (cont.) 0110, 0210 Conditional May be returned, if received in the request (if the Card-Issuer Processor wants to receive this field in a reversal for a late response).

SI (STAR Interchange) Data Format Field Name Format Identifier Position 1-2 Data Length 2

Description SI - STAR Interchange tag The length of the data in the STAR Interchange field Valid values range from 01 to 03 A - ALL STAR BIN 0 (zero) - Standard STAR BIN (STAR SE/ W platform

Tag Data Length

3-4

STAR Interchange Value

5-7

Variable 1-3

Left-justified, no trailing spaces

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125 Network Management Information/Tagged Issuer Data (cont.)


Processing Rules

ALL STAR Program

DE 125 with STAR Interchange SI tagged data is currently applicable to POS transactions and bill payment transactions processed through the STAR Network. The STAR Interchange Data field is variable length and can consist of one, two, or three alphanumeric characters with no trailing spaces. Value 0 (zero) indicates that the transaction involves a standard STAR BIN. Other values will be used in the future to denote different interchange configurations. Issuers opting to return DE 125 may not change the content of DE 125 in 0110/0210 response messages. Issuers and Acquirers opting to receive DE 125 will receive it on all applicable STAR POS and STAR Bill Payment Transactions. Keep in mind, as with all data elements, that other gateways may use this data element in other ways. Responses to Acquirers and advices to Issuers may not contain DE125 (for processors electing to receive it) for certain STAR switch-rejected transactions.

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126 Issuer Trace Data


STAR Element Format Definition LLLV ANS-100 This field may be used by Card-Issuer Processors to transmit trace data to the STAR switch for inclusion in the offline STAR User File. Data received from issuer networks other than STAR can, in certain cases, optionally be passed to Acquirers in response messages. Disposition Condition

Message Type Acquirer

0110, 0210

Optional

For acquirers on the STAR SE/W platforms, in certain cases and upon request, STAR can pass DE 126 in response messages.

Issuer

0110, 0210

Optional None

Processing Rules

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127 Acquirer Trace Data


STAR Element Format Definition LLLV ANS-100 This field may be used by Acquirer Processors to transmit trace data to the STAR switch for inclusion in the offline STAR User File. This data will not be returned to the acquirer. Data received from acquirer networks other than STAR can, in certain cases, optionally be passed to issuers in request messages. Disposition Condition

Message Type Acquirer

010x, 012x, 020x, 022x, 042x

Optional

Issuer

010x, 012x, 020x, 022x, 042x

Optional

For STAR Issuers, in certain cases and upon request, STAR can pass DE 127 in request messages.

Processing Rules

See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 7, Data Element 127: Acquirer Trace Data for additional information.

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Data Element Index


Data Element by Alphabetical Element Description
Table 5.1: Alphabetical Data Element List
Element Description Account Identification 1 Account Identification 2 Account Qualifiers 1 and 2 Acquirer Institution Identification Code (Acquirer ABA) Acquirer Trace Data Acquirer Transport Data Acquiring Institution Country Code Additional Amounts Additional Data ISO (unsupported) Additional Data National Additional Data, Private Additional Data, Private Acquirer Additional Data, Private Issuer Additional Fees Additional Response Data AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/ Check Deposits Advice / Reversal Code Amount Cardholder Billing Fee (unsupported) Amount Cardholder, Billing Amount Net Settlement (unsupported) Amount Transaction Amount, Settlement Amount, Settlement Fee Bit Position 102 103 120 032 127 061 019 054 046 047 111 124 121 055 044 123

060 008 006 097 004 005 029

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Amount, Settlement Processing Fee (unsupported) Amount, Transaction Fee Amount, Transaction Processing Fee (unsupported) Authorization Identification Response Authorization Identification Response Length (unsupported) Authorization Life Cycle Authorization, Number (unsupported) Bit Map Extended (unsupported) Bit Map, Primary Bit Map, Secondary Card Acceptor Identification Code Card Acceptor Name/Location Card Acceptor Terminal Identification Card Issuer Identification Code Card Sequence Number Conversion Rate, Cardholder Billing Conversion Rate, Settlement Country Code, Authorizing Agent Credits, Amount (unsupported) Credits, Number (unsupported) Credits, Processing Fee Amount (unsupported) Credits, Reversal Amount (unsupported) Credits, Reversal Number (unsupported) Credits, Transaction Fee Amount (unsupported) Currency Code, Cardholder Billing Currency Code, Settlement Bit Position 031 028 030 038 027 057 081 065 001 042 043 041 113 023 010 009 114 086 074 082 087 075 083 051 050

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Currency Code, Transaction Date, Action (unsupported) Date, Capture Date, Conversion Date, Local Transaction Debits, Amount (unsupported) Debits, Number (unsupported) Debits, Processing Fee Amount (unsupported) Debits, Reversal Amount (unsupported) Debits, Reversal Number (unsupported) Debits, Transaction Fee Amount (unsupported) Expiration Date Extended Payment Code (unsupported) File Name File Security Code (unsupported) File Update Code Forwarding Institution Country Code (unsupported) Forwarding Institution Identification Code (unsupported) Inquiry Number (unsupported) Interchange Group Indicator Issuer Trace Data Issuer Transport Data Large Private Data 1 Large Private Data 2 (unsupported) Large Private Data 3 (unsupported) Large Private Data 4 (unsupported) Bit Position 049 073 017 016 013 088 076 084 089 077 085 014 067 101 092 091 021 033 080 104 126 062 105 106 107 108

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Member Institution/Merchant Name Merchant Type Message Authentication Code (MAC) (unsupported) Message Authentication Code (unsupported) Message Number (unsupported) Message Number (unsupported) Message Security Code Message Type National Point-of-Service Condition Code National Point-of-Service Geographic Data Network International Identifier (unsupported) Network Management Information Network Management Information Code Original Data Elements PAN Extended Country Code (unsupported) Payer/Payee Data Personal Identification Number (PIN) Data Point of Service Condition Code Point of Service Entry Mode Point of Service PIN Capture Code Primary Account Number (PAN) Primary Account Number (PAN), Extended (unsupported) Processing Code Receiving Institution Country Code (unsupported) Receiving Institution ID Code Replacement Amounts Bit Position 048 018 064 128 071 072 096 058 059 024 125 070 090 020 098 052 025 022 026 002 034 003 068 100 095

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Replacement, Additional Fees Reserved For ISO Use (unsupported) Reserved For ISO Use (unsupported) Reserved For National Use (unsupported) Reserved For National Use (unsupported) Reserved For National Use (unsupported) Reserved For National Use (unsupported) Reserved For National Use (unsupported) Reserved For National Use (unsupported) Response Code Response Indicator (unsupported) Retrieval Reference Number (Terminal Sequence #) Security Related Control Information (unsupported) Service Indicator (unsupported) Service Restriction Code (unsupported) Settlement Code (unsupported) Settlement Date Settlement Institution Country Code (unsupported) Settlement Institution ID Code (unsupported) Sponsor Bank ID STAR Identification Data System Trace Audit Number Time, Local Transaction Track 1 Data Track 2 Data Track 3 Data (unsupported) Bit Position 056 109 110 112 115 116 117 118 119 039 093 037 053 094 040 066 015 069 099 122 063 011 012 045 035 036

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Transfer Number (unsupported) Transfer, Reversal Number (unsupported) Transmission Date & Time Bit Position 078 079 007

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Format Options

Table 6.1: ASCII/EBCDIC Map and Numeric Field Packing


Alphanumerics ASCII ASCII ASCII ASCII EBCDIC EBCDIC EBCDIC EBCDIC Data Element Maps Packed Maps Packed Maps Hex Maps Hex Maps Packed Maps Packed Maps Hex Maps Hex Maps Numeric Fields Unpacked Numeric Packed Numeric Unpacked Numeric Packed Numeric Unpacked Numeric Packed Numeric Unpacked Numeric Packed Numeric Variable Data Fields VAR LEN VAR LEN VAR LEN VAR LEN VAR LEN VAR LEN VAR LEN VAR LEN

ASCII/EBCDIC Table
Table 6.2: ASCII/EBCDIC Characters/Codes
dec 0 1 hex 0x00 0x01 binary 0000 0000 0000 0001 NUL SOH ASCII Null Start of Heading (CC) Start of Text (CC) End of Text (CC) End of Transmission (CC) Enquiry (CC) Acknowledge (CC) Bell Backspace (FE) Horizontal Tabulation (FE) NUL SOH EBCDIC Null Start of Heading

2 3 4

0x02 0x03 0x04

0000 0010 0000 0011 0000 0100

STX ETX EOT

STX ETX PF

Start of Text End of Text Punch Off

5 6 7 8 9

0x05 0x06 0x07 0x08 0x09

0000 0101 0000 0110 0000 0111 0000 1000 0000 1001

ENQ ACK BEL BS HT

HT LC DEL

Horizontal Tab Lower Case Delete

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 10 hex 0x0A binary 0000 1010 LF ASCII Line Feed (FE) SMM EBCDIC Start of Manual Message Vertical Tab

11

0x0B

0000 1011

VT

Vertical Tabulation (FE) Form Feed (FE) Carriage Return (FE) Shift Out Shift In Data Link Escape (CC) Device Control 1 Device Control 2 Device Control 3 Device Control 4 Negative Acknowledge (CC) Synchronous Idle (CC) End of Transmission Block (CC) Cancel End of Medium Substitute Escape File Separator (IS)

VT

12 13

0x0C 0x0D

0000 1100 0000 1101

FF CR

FF CR

Form Feed Carriage Return

14 15 16

0x0E 0x0F 0x10

0000 1110 0000 1111 0001 0000

SO SI DLE

SO SI DLE

Shift Out Shift In Data Link Escape Device Control 1 Device Control 2 Tape Mark Restore New Line

17 18 19 20 21

0x11 0x12 0x13 0x14 0x15

0001 0001 0001 0010 0001 0011 0001 0100 0001 0101

DC1 DC2 DC3 DC4 NAK

DC1 DC2 TM RES NL

22

0x16

0001 0110

SYN

BS

Backspace

23

0x17

0001 0111

ETB

IL

Idle

24 25 26 27 28

0x18 0x19 0x1A 0x1B 0x1C

0001 1000 0001 1001 0001 1010 0001 1011 0001 1100

CAN EM SUB ESC FS

CAN EM CC CU1 IFS

Cancel End of Medium Cursor Control Customer Use 1 Interchange File Separator Interchange Group Separator

29

0x1D

0001 1101

GS

Group Separator (IS)

IGS

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 30 hex 0x1E binary 0001 1110 RS ASCII Record Separator (IS) IRS EBCDIC Interchange Record Separator Interchange Unit Separator Digit Select Start of Significance Field Separator

31

0x1F

0001 1111

US

Unit Separator (IS)

IUS

32 33

0x20 0x21

0010 0000 0010 0001

SP !

Space Exclamation Point

DS SOS

34 35

0x22 0x23

0010 0010 0010 0011

" #

Quotation Mark Number Sign, Octothorp, pound Dollar Sign Percent Ampersand

FS

36 37 38

0x24 0x25 0x26

0010 0100 0010 0101 0010 0110

$ % &

BYP LF ETB

Bypass Line Feed End of Transmission Block Escape

39 40 41 42 43 44 45

0x27 0x28 0x29 0x2A 0x2B 0x2C 0x2D

0010 0111 0010 1000 0010 1001 0010 1010 0010 1011 0010 1100 0010 1101

' ( ) * + , -

Apostrophe, Prime Left Parenthesis Right Parenthesis Asterisk, star Plus Sign Comma Hyphen, Minus Sign Period, Decimal Point, dot Slash, Virgule 0 1

ESC

SM CU2

Set Mode Customer Use 2

ENQ

Enquiry

46

0x2E

0010 1110

ACK

Acknowledge

47 48 49

0x2F 0x30 0x31

0010 1111 0011 0000 0011 0001

/ 0 1

BEL

Bell

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 50 hex 0x32 binary 0011 0010 2 ASCII 2 SYN EBCDIC Synchronous Idle

51 52 53 54 55

0x33 0x34 0x35 0x36 0x37

0011 0011 0011 0100 0011 0101 0011 0110 0011 0111

3 4 5 6 7

3 4 5 6 7 PN RS UC EOT Punch On Reader Stop Upper Case End of Transmission

56 57 58 59 60 61

0x38 0x39 0x3A 0x3B 0x3C 0x3D

0011 1000 0011 1001 0011 1010 0011 1011 0011 1100 0011 1101

8 9 : ; < =

8 9 Colon Semicolon Less-than Sign Equal Sign CU3 DC4 NAK Customer Use 3 Device Control 4 Negative Acknowledge

62 63 64 65 66 67 68 69 70 71 72 73

0x3E 0x3F 0x40 0x41 0x42 0x43 0x44 0x45 0x46 0x47 0x48 0x49

0011 1110 0011 1111 0100 0000 0100 0001 0100 0010 0100 0011 0100 0100 0100 0101 0100 0110 0100 0111 0100 1000 0100 1001

> ? @ A B C D E F G H I

Greater-than Sign Question Mark At Sign A B C D E F G H I SUB SP Substitute Space

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 74 75 hex 0x4A 0x4B binary 0100 1010 0100 1011 J K J K ASCII . EBCDIC Cent Sign Period, Decimal Point Less-than Sign Left Parenthesis Plus Sign

76 77 78 79 80 81 82 83 84 85 86 87 88 89 90

0x4C 0x4D 0x4E 0x4F 0x50 0x51 0x52 0x53 0x54 0x55 0x56 0x57 0x58 0x59 0x5A

0100 1100 0100 1101 0100 1110 0100 1111 0101 0000 0101 0001 0101 0010 0101 0011 0101 0100 0101 0101 0101 0110 0101 0111 0101 1000 0101 1001 0101 1010

L M N O P Q R S T U V W X Y Z

L M N O P Q R S T U V W X Y Z

< ( +

&

Ampersand

Exclamation Point Dollar Sign Asterisk Right Parenthesis Semicolon Logical NOT

91 92 93

0x5B 0x5C 0x5D

0101 1011 0101 1100 0101 1101

[ \ ]

Opening Bracket Reverse Slant Closing Bracket

$ * )

94 95

0x5E 0x5F

0101 1110 0101 1111

^ _

Circumflex, Caret Underline, Underscore Grave Accent

96

0x60

0110 0000

Hyphen, Minus Sign

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 97 98 99 100 101 102 103 104 105 106 107 108 109 hex 0x61 0x62 0x63 0x64 0x65 0x66 0x67 0x68 0x69 0x6A 0x6B 0x6C 0x6D binary 0110 0001 0110 0010 0110 0011 0110 0100 0110 0101 0110 0110 0110 0111 0110 1000 0110 1001 0110 1010 0110 1011 0110 1100 0110 1101 a b c d e f g h i j k l m ASCII a b c d e f g h i j k l m | , % _ Logical OR Comma Percent Underline, Underscore Greater-than Sign Question Mark / EBCDIC Slash, Virgule

110

0x6E

0110 1110

>

111 112 113 114 115 116 117 118 119 120 121

0x6F 0x70 0x71 0x72 0x73 0x74 0x75 0x76 0x77 0x78 0x79

0110 1111 0111 0000 0111 0001 0111 0010 0111 0011 0111 0100 0111 0101 0111 0110 0111 0111 0111 1000 0111 1001

o p q r s t u v w x y

o p q r s t u v w x y

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 122 123 hex 0x7A 0x7B binary 0111 1010 0111 1011 z { z Opening Brace ASCII : # EBCDIC Colon Number Sign, Octothorp, pound At Sign Apostrophe, Prime Equal Sign Quotation Mark

124 125

0x7C 0x7D

0111 1100 0111 1101

| }

Vertical Line Closing Brace

@ '

126 127 128 129 130 131 132 133 134

0x7E 0x7F 0x80 0x81 0x82 0x83 0x84 0x85 0x86

0111 1110 0111 1111 1000 0000 1000 0001 1000 0010 1000 0011 1000 0100 1000 0101 1000 0110

~ DEL

Tilde Delete Reserved Reserved Reserved Reserved

= "

a b c d e f

a b c d e f

IND NEL SSA

Index (FE) Next Line (FE) Start of Selected Area End of Selected Area Horizontal Tabulation Set (FE) Horizontal Tabulation with Justification (FE) Vertical Tabulation Set (FE) Partial Line Down (FE) Partial Line Up (FE) Reverse Index (FE)

135

0x87

1000 0111

ESA

136

0x88

1000 1000

HTS

137

0x89

1000 1001

HTJ

138

0x8A

1000 1010

VTS

139

0x8B

1000 1011

PLD

140 141

0x8C 0x8D

1000 1100 1000 1101

PLU RI

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 142 hex 0x8E binary 1000 1110 SS2 ASCII Single Shift Two (1) Single Shift Three (1) Device Control String (2) Private Use One Private Use Two Set Transmit State Cancel Character Message Waiting Start of Protected Area End of Protected Area Reserved Reserved Reserved CSI Control Sequence Introducer (1) String Terminator (2) Operating System Command (2) Privacy Message (2) Application Program Command (2) j k l m n o j k l m n o EBCDIC

143

0x8F

1000 1111

SS3

144

0x90

1001 0000

DCS

145 146 147 148 149 150

0x91 0x92 0x93 0x94 0x95 0x96

1001 0001 1001 0010 1001 0011 1001 0100 1001 0101 1001 0110

PU1 PU2 STS CCH MW SPA

151

0x97

1001 0111

EPA

152 153 154 155

0x98 0x99 0x9A 0x9B

1001 1000 1001 1001 1001 1010 1001 1011

q r

q r

156

0x9C

1001 1100

ST

157

0x9D

1001 1101

OSC

158

0x9E

1001 1110

PM

159

0x9F

1001 1111

APC

160 161

0xA0 0xA1

1010 0000 1010 0001 ~ Tilde

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 hex 0xA2 0xA3 0xA4 0xA5 0xA6 0xA7 0xA8 0xA9 0xAA 0xAB 0xAC 0xAD 0xAE 0xAF 0xB0 0xB1 0xB2 0xB3 0xB4 0xB5 0xB6 0xB7 0xB8 0xB9 0xBA 0xBB binary 1010 0010 1010 0011 1010 0100 1010 0101 1010 0110 1010 0111 1010 1000 1010 1001 1010 1010 1010 1011 1010 1100 1010 1101 1010 1110 1010 1111 1011 0000 1011 0001 1011 0010 1011 0011 1011 0100 1011 0101 1011 0110 1011 0111 1011 1000 1011 1001 1011 1010 1011 1011 ` Grave Accent ASCII s t u v w x y z EBCDIC s t u v w x y z

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 hex 0xBC 0xBD 0xBE 0xBF 0xC0 0xC1 0xC2 0xC3 0xC4 0xC5 0xC6 0xC7 0xC8 0xC9 0xCA 0xCB 0xCC 0xCD 0xCE 0xCF 0xD0 0xD1 0xD2 0xD3 0xD4 0xD5 binary 1011 1100 1011 1101 1011 1110 1011 1111 1100 0000 1100 0001 1100 0010 1100 0011 1100 0100 1100 0101 1100 0110 1100 0111 1100 1000 1100 1001 1100 1010 1100 1011 1100 1100 1100 1101 1100 1110 1100 1111 1101 0000 1101 0001 1101 0010 1101 0011 1101 0100 1101 0101 } J K L M N Closing Brace J K L M N { A B C D E F G H I Opening Brace A B C D E F G H I ASCII EBCDIC

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 hex 0xD6 0xD7 0xD8 0xD9 0xDA 0xDB 0xDC 0xDD 0xDE 0xDF 0xE0 0xE1 0xE2 0xE3 0xE4 0xE5 0xE6 0xE7 0xE8 0xE9 0xEA 0xEB 0xEC 0xED 0xEE 0xEF binary 1101 0110 1101 0111 1101 1000 1101 1001 1101 1010 1101 1011 1101 1100 1101 1101 1101 1110 1101 1111 1110 0000 1110 0001 1110 0010 1110 0011 1110 0100 1110 0101 1110 0110 1110 0111 1110 1000 1110 1001 1110 1010 1110 1011 1110 1100 1110 1101 1110 1110 1110 1111 S T U V W X Y Z S T U V W X Y Z \ Reverse Slant ASCII O P Q R EBCDIC O P Q R

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 hex 0xF0 0xF1 0xF2 0xF3 0xF4 0xF5 0xF6 0xF7 0xF8 0xF9 0xFA 0xFB 0xFC 0xFD 0xFE 0xFF binary 1111 0000 1111 0001 1111 0010 1111 0011 1111 0100 1111 0101 1111 0110 1111 0111 1111 1000 1111 1001 1111 1010 1111 1011 1111 1100 1111 1101 1111 1110 1111 1111 ASCII 0 1 2 3 4 5 6 7 8 9 EBCDIC 0 1 2 3 4 5 6 7 8 9

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Check Digit Calculation Modulus 10 Check-Digit Routine


Sum the 3-7-1 Weighted Products Step 1: Step 2: Step 3: Step 4: Step 5: Multiply the 1st, 4th, and 7th digits by 3. Multiply the 2nd, 5th, and 8th digits by 7. Multiply the 3rd and 6th digits by 1. Add the products of all multiplications. Subtract the sum of the products from the next highest or equal multiple of 10. The remainder is the check digit. Zero is a valid check digit.

Example
To find the value of the check digit (X) using the example ABA 12210001X:
Finding the value of the check digit (X) - Modulus 10 Steps 1, 2, 3: Step 4: Step 5: 1 3 3 2 7 + 14 2 1 +2 1 3 +3 0 7 +0 0 1 +0 0 3 +0 1 7 +7 Number (FRD-ABA) 3-7-1 Weight Factors Sum of Products = 29

Next highest number to sum that is multiple of 10: 30 30 - 29 = 1 Mod 10 check digit = 1

Complete Number (with check digit): 1 2 2 1 0 0 0 1 1

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Luhn Formula
Used for computing a modulus 10 double-add-double check digit.
Luhn Formula Calculation Step 1: Double the value of alternate digits beginning with the first right-hand digit (low order). Add the individual digits that make up the products obtained in Step 1 to the unaffected digits in the original number. Subtract the total obtained in Step 2 from the next higher number ending in 0. This is the equivalent of calculating the tens complement of the low order digit (unit digit) of the total. If the total obtained in Step 2 is a number ending in zero (30, 40, etc.), the check digit is 0.

Step 2:

Step 3:

Example
To find the value of the check digit (X) using the example account number 4992 73 9871 X:
Finding the value of the check digit (X) - Luhn Formula Step 1: 4 9 2 18 Step: 2 Step 3: 4 + 1+8 + 9 9 2 2 4 +4 +7 7 3 2 6 +6 +9 9 8 2 16 + 1+6 +7 7 1 2 2 +2 = 64

Next highest number ending in 0: 70 70 - 64 = 6 Luhn check digit = 6

Complete Number (with check digit): 4 9 9 2 7 3 9 8 7 1 6

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Data Element 003: Processing Codes


Note See the STAR ISO 8583 Gateway/Product Interface Guide for additional processing codes that are supported due to participation in other networks.

ATM Mandatory (Issuer/Acquirer)


Table 7.1: ATM Mandatory Proc Codes
Description Cash Withdrawal from FND Cash Withdrawal from SAV Cash Withdrawal from DDA Cash Advance Balance Inquiry from SAV Balance Inquiry from DDA Balance Inquiry from CRD Transfer from SAV to DDA Transfer from DDA to SAV ISO Proc Code 01 00 00 01 10 00 01 20 00 01 30 00 31 10 00 31 20 00 31 30 00 40 10 20 40 20 10 Message 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx 02xx 02xx 02xx, 04xx 02xx, 04xx Notes

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Optional (Issuer/Acquirer)
Table 7.2: ATM Optional Proc Codes
Description Cash Withdrawal from OTH Deposit to SAV Deposit to DDA Deposit to OTH Balance Inquiry from FND Balance Inquiry from OTH Account List Inquiry from SAV Account List Inquiry from DDA Account List Inquiry from CRD Account List Inquiry from OTH Account Balance Profile Transfer from OTH to SAV Transfer from OTH to DDA Transfer from OTH to CRD Transfer from OTH to OTH Transfer from SAV to SAV Transfer from SAV to OTH Transfer from DDA to OTH Transfer from DDA to DDA Transfer from CRD to OTH Transfer from SAV to CRD Transfer from DDA to CRD Transfer from CRD to DDA ISO Proc Code 01 09 00 21 00 10 21 00 20 21 00 09 31 00 00 31 09 00 35 10 00 35 20 00 35 30 00 35 09 00 39 00 00 40 09 10 40 09 20 40 09 30 40 09 09 40 10 10 40 10 09 40 20 09 40 20 20 40 30 09 40 10 30 40 20 30 40 30 20 Message 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx 02xx 0100, 0110 0100, 0110 0100, 0110 0100, 0110 02xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. Notes

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Table 7.2: ATM Optional Proc Codes (cont.)


Description Bill Payment from FND Bill Payment from SAV Bill Payment from DDA Bill Payment from CRD Bill Payment from OTH Electronic Payment from SAV to CRD Electronic Payment from SAV to OTH Electronic Payment from DDA to CRD Electronic Payment from DDA to OTH Electronic Payment from CRD to CRD Electronic Payment from OTH to CRD Electronic Payment from CRD to OTH Payment Enclosed Statement from SAV Statement from DDA Statement from CRD Statement from OTH ISO Proc Code 50 00 00 50 10 00 50 20 00 50 30 00 50 09 00 58 10 30 Message 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx Notes STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only.

58 10 09

02xx, 04xx

STAR NE Platform only.

58 20 30

02xx, 04xx

STAR NE Platform only.

58 20 09

02xx, 04xx

STAR NE Platform only.

58 30 30

02xx, 04xx

STAR NE Platform only.

58 09 30

02xx, 04xx

STAR NE Platform only.

58 30 09

02xx, 04xx

STAR NE Platform only.

59 00 00 91 10 00 91 20 00 91 30 00 91 09 00

02xx, 04xx 0200, 0210 0200, 0210 0200, 0210 0200, 0210

STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only.

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Point of Sale Mandatory (Card-Issuer Processor Only)


Table 7.3: POS Mandatory Proc Codes Card-Issuer Processor
Description Purchase from FND Purchase from SAV Purchase from DDA Purchase from CRD Purchase Pre-authorization FND ISO Proc Code 00 00 00 00 10 00 00 20 00 00 30 00 00 00 00 Message 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 01xx, 04xx When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response. Notes

Purchase Pre-authorization SAV Purchase Pre-authorization DDA Purchase Pre-authorization CRD Pre-authorized purchase completion FND Pre-authorized purchase completion SAV Pre-authorized purchase completion DDA Pre-authorized purchase completion CRD

00 10 00 00 20 00 00 30 00 00 00 00

01xx, 04xx 01xx, 04xx 01xx, 04xx 022x, 042x

00 10 00

022x, 042x

00 20 00

022x, 042x

00 30 00

022x, 042x

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Table 7.3: POS Mandatory Proc Codes Card-Issuer Processor (cont.)


Description Merchandise Correction to FND ISO Proc Code 20 00 00 Message 02xx, 04xx

Notes See STAR Network Operating Rules for restrictions on these processing codes. When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response.

Merchandise Correction to SAV Merchandise Correction to DDA Merchandise Correction to CRD Balance Inquiry from FND

20 00 10 20 00 20 20 00 30 31 00 00

02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx

See STAR Network Operating Rules for restrictions on these processing codes.

See STAR Network Operating Rules for restrictions on these processing codes. When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response.

Balance Inquiry from SAV Balance Inquiry from DDA Balance Inquiry from CRD

31 10 00

02xx

31 20 00

02xx

31 30 00

02xx

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Table 7.3: POS Mandatory Proc Codes Card-Issuer Processor (cont.)


Description Payment to Third Party from FND Payment to Third Party from SAV Payment to Third Party from DDA Payment to Third Party from CRD Payment/Funds Transfer (Credit) ISO Proc Code 50 00 00 Message 02xx, 04xx Notes

50 10 00 50 20 00

02xx, 04xx 02xx, 04xx

50 30 00

02xx, 04xx

56 00 00

02xx

When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response.

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Mandatory (Acquirer Only)


Table 7.4: POS Mandatory Proc Codes Acquirer
Description Stand-alone Purchase from FND ISO Proc Code 00 00 00 Message 020x, 022x, 042x Notes When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response. Mandatory if fuel dispense transaction is initiated at the pump.

Purchase Pre-authorization Pre-authorized Purchase Completion

00 00 00 00 00 00

01xx, 04xx 022x, 042x

Optional
Table 7.5: POS Optional Proc Codes
Description Purchase to OTH Purchase Pre-authorization to OTH Cash Withdrawal from FND (01xx not settled) Cash Advance (not settled) ISO Proc Code 00 09 00 00 09 00 Message 02xx, 04xx 01xx, 04xx Notes

01 00 00

01xx, 02xx, 04xx 01xx, 04xx Currently not supported in STAR (Visa-supported).

01 30 00

Merchandise Correction to OTH Balance Inquiry to OTH

20 00 09 31 09 00

02xx, 04xx 02xx, 04xx Optional for financial institutions participating as Card-Issuer with Cirrus.

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This Chapter lists Merchant Type codes (also known as Merchant Category codes or SIC codes). The first table is in numerical order; the table beginning on page 276 gives an alphabetical listing.

Merchant Type Codes - Numerical Order


Table 8.1: Merchant Type Codes Numerical Order
Code 0742 0763 0780 1520 1711 1731 1740 1750 1761 1771 1799 2741 2791 2842 3000 3001 3002 3003 3004 3005 3006 Veterinary Services Agricultural Cooperatives Horticultural and Landscaping Services General ContractorsResidential and Commercial Air Conditioning, Heating, and Plumbing Contractors Electrical Contractors Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors Carpentry Contractors Roofing and Siding, Sheet Metal Work Contractors Concrete Work Contractors Contractors, Special Tradenot elsewhere classified Miscellaneous Publishing and Printing* Typesetting, Plate Making, and Related Services* Sanitation, Polishing, and Specialty Cleaning Preparations United AirlinesUNITED American AirlinesAMERICAN Pan AmericanPAN AM AIR Eurofly Air Dragon Airlines - Dragonair British AirwaysBRITISH AWYS Japan Air LinesJAL Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3007 3008 3009 3010 3011 3012 3013 3014 3015 3016 3017 3018 3019 3020 3021 3022 3023 3024 3025 3026 3027 3028 3029 3030 3031 3032 Air FranceAIR FRAN LufthansaLUFTHAN Air CanadaAIR CANA Royal Dutch Airlines (KLM)KLM AeroflotAEROFLOT QantasQANTAS AlitaliaALITALIA Saudi Arabian AirlinesSAUDI AI Swiss International AirlinesSWISSINTLAIR Scandinavian Airline System (SAS)SAS South African AirwaysSAFRICAN Varig (Brazil)VARIG GermanwingsGRMNWNGSAIR Air IndiaAIR-INDI Air AlgerieAIRALGER Philippine AirlinesPAL AIR MexicanaMEXICANA Pakistan InternationalPAKISTAN Air New Zealand Limited InternationalAIR NZ Emirates AirlinesEMIRATES Union de Transports AeriensUTAAIR Air MaltaAIRMALTA SN Brussels AirlinesSN BRUSSELS Aerolineas ArgentinasAERO ARG Olympic AirwaysOLYMPICA El AlEL AL Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3033 3034 3035 3036 3037 3038 3039 3040 3041 3042 3043 3044 3045 3046 3047 3048 3049 3050 3051 3052 3053 3054 3055 3058 3059 3060 Ansett AirlinesANSETT Etihad Airways-ETIHADAIR Tap (Portugal)TAP VASP (Brazil)VASP EgyptAirEGYPTAIR Kuwait AirwaysKUWAIT AviancaAVIANCA Gulf Air (Bahrain)GULF AIR BalkanBulgarian AirlinesBALKAN FinnairFINNAIR Aer LingusAERLING Air LankaAIR LANKA Nigeria AirwaysNIGERIA Cruzerio do Sul (Brazil)CRUZERIO THY (Turkey)THY Royal Air MarocAIRMARO Tunis AirTUNIS AI IcelandairICELANDA Austrian AirlinesAUSTRIAN LAN Airlines - LAN AIR AVIACO (Spain)AVIACO LADECO (Chile)LADECO LAB (Bolivia)LAB DeltaDELTA DBA AirlinesDBA AIR Northwest AirlinesNWA AIR Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3061 3062 3063 3064 3065 3066 3067 3068 3071 3072 3075 3076 3077 3078 3079 3082 3083 3084 3085 3087 3088 3089 3090 3094 3096 3097 ContinentalCONTINEN Hapag - Lloyd Express AirlinesHLX AIR U.S. AirwaysUSAIRWYS Adria AirwaysADRIA AIR Air InterAIRINTER Southwest AirlinesSOUTHWES Vanguard AirlinesVANGUARD Air Astana AIR ASTANA Air British ColumbiaAIR B R C CEBU PAC - CEBU Pacific Airlines Singapore AirlinesSINGAPOR AeromexicoAEROMEXI Thai AirwaysTHAIAIRW China AirlinesCHINAAIR Jetstar AirwaysJETSTAR Korean AirlinesKOREAN Air AfriqueAIRAFRIQUE Eva AirwaysEVA AIR Midwest Express AirlinesMIDWEST EXP Metro AirlinesMETROAI Croatia AirCROATIA AIR TransaeroTRANSAERO Uni AirwaysUNIAIR Zambia AirwaysZAMBIA A Air ZimbabweAIRZIMBA SpanairSPANAIR Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3098 3099 3100 3102 3103 3106 3111 3112 3117 3125 3127 3129 3130 3131 3132 3135 3136 3144 3146 3148 3151 3156 3159 3161 3164 3167 Asiana AirlinesASIANA AIR Cathay PacificCATHAYPA Malaysian Airline SystemMALAY AI IberiaIBERIA Garuda (Indonesia)GARUDA Braathens S.A.F.E. (Norway)BRAATHEN British MidlandBRITISH M Windward IslandWINDWARD Venezolana International de AviacionVIASA Tan AirlinesTAN AIR Taca InternationalTACA INT Surinam AirwaysSURINAM Sunworld International AirwaysSUNWORLD VLM AirlinesVLM Frontier AirlinesFRONTIERAIR Sudan AirwaysSUDANAIR Qatar Airways Company W.L.L.QATAR AIR Virgin AtlanticVIR ATL LuxairLUXAIR Air Littoral, S.A.LITTORAL Air ZaireAIRZAIRE GO FLY Ltd.GOFLY Provincetown-Boston AirwaysPBA All Nippon AirwaysANAAIR NorontairNORONTAI Aero ContinenteAEROCONTINENTE Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3171 3172 3174 3175 3177 3178 3181 3182 3184 3185 3186 3187 3190 3191 3192 3193 3196 3197 3200 3204 3206 3211 3212 3213 3217 3219 Canadian AirlinesCANADIAN Nation AirNATIONAI JetBlue AirwaysJETBLUE Middle East AirMIDEASTA AirTran AirwaysAIRTRANAIR Mesa AirMESA AIR Malev Hungarian AirlinesMALEV LOT - Polish AirlinesLOT LIATLIAT LAV Linea Aeropostal VenezolanaLAV LAP Lineas Aereas ParaguayasLAP LACSA (Costa Rica)LACSA Jugoslav AirJUGOSLAV Island AirlinesISLANDAI Iran AirIRANAIR Indian AirlinesINDIAN A Hawaiian AirHAWAIIAN Havasu AirlinesHAVASUAI Guyana AirwaysGUYANA A Freedom AirlinesFREEDOM China Eastern AirlinesCHINEASTAIR Norwegian Air ShuttleNORWEGIANAIR Dominicana de AviacionDOMINICA Malmo AviationMALMO AIR CSA Ceskoslovenske AerolinieCSA Compania Panamena de Aviacion (Copa)COPA Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3220 3221 3222 3223 3226 3228 3229 3231 3234 3236 3239 3240 3241 3242 3243 3245 3246 3247 3248 3252 3253 3256 3260 3261 3263 3266 Description Compania FaucettCOMPANIA Transportes Aeros Militares EcuatorianosTAME AIR Command AirwaysCOMMAND ComairCOMAIR Skyways Air Cayman AirwaysCAYMANAI SAETA (Sociedad Ecuatorianas De Transportes Aereo)SAETAAIR SAHSA (Servicio Aero de Honduras)SAHSA Caribbean Airlines CARIBBEANAIR Air Arabia AirlineAIR ARABIA Bar Harbor AirlinesBARHARBO BahamasairBAHAMASA Aviateca (Guatemala)AVIATECA AvensaAVENSA Austrian Air ServiceAUSTRAIR EasyJet AirlinesEASYJET AIR Ryanair Gol AirlinesGOL AIR Tam AirlinesTAM AIR ALM Antilean AirlinesALM America WestAMERWEST Alaska Airlines Inc.ALASKA A Spirit AirlinesSPIRIT AIR Air ChinaAIR CHINA Aero Servicio CaraboboASC AIRLINE Air SeychellesAIR SEYC

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3267 3280 3282 3285 3286 3287 3292 3293 3294 3295 3296 3297 3298 3299 3351 3352 3353 3354 3355 3357 3359 3360 3361 3362 3364 3366 Description Air Panama InternationalAIR PANA Air JamaicaAIR JAMA Air DjiboutiAIR DJIB Aero PeruAEROPERU Aero. NicaraguensesAERO NIC Aero Coach AviationAEROCOAC Cyprus AirwaysCYPRUSA EcuatorianaECUATORI Ethiopian AirlinesETHIOPIA Kenya AirwaysKENYAAIR Air Berlin - AIR BERLIN Tarom Romanian Air TransportTAROM AIR Air MauritiusAIRMAURI Wideroes FlyveselskapWIDEROES Affiliated Auto Rental American International Brooks Rent A Car Action Auto Rental SIXT Car Rental Hertz Payless Car Rental Snappy Car Rental Airways Rent-A-Car Altra Auto Rental Agency Rent-A-Car Budget Rent-A-Car

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3368 3370 3374 3376 3380 3381 3385 3386 3387 3389 3390 3391 3393 3394 3395 3396 3398 3400 3405 3409 3412 3420 3421 3423 3425 3427 Holiday Rent-A-Car Rent A Wreck Accent Rent-A-Car Ajax Rent-A-Car Triangle Rent A Car Europ Car Tropical Rent-A-Car Showcase Rental Cars Alamo Rent-A-Car Avis Rent A Car Dollar Rent A Car Europe By Car National Car Rental Kemwell Group Rent-A-Car Thrifty Car Rental Tilden Rent-A-Car Econo Car Rent-A-Car Auto Host Car Rental Enterprise Rent-A-Car General Rent-A-Car A1 Rent-A-Car ANSA International Allstate Rent-A-Car Avcar Rent-A-Car Automate Rent-A-Car Avon Rent-A-Car Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3428 3429 3430 3431 3432 3433 3434 3435 3436 3438 3439 3441 3501 3502 3503 3504 3505 3506 3507 3508 3509 3510 3511 3512 3513 3514 Carey Rent-A-Car Insurance Rent-A-Car Major Rent-A-Car Replacement Rent-A-Car Reserve Rent-A-Car Ugly Duckling Rent-A-Car USA Rent-A-Car Value Rent-A-Car Autohansa Rent-A-Car Interent Rent-A-Car Milleville Rent-A-Car Advantage Rent A Car Holiday Inns Best Western Hotels Sheraton (Sheraton Hotels) Hilton Hotels Forte Hotels Golden Tulip Hotels Friendship Inns Quality Inns Marriott Days Inns Arabella Hotels Intercontinental Hotels Westin (Westin Hotels) Amerisuites Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3515 3516 3517 3518 3519 3520 3522 3523 3524 3525 3526 3527 3528 3529 3530 3531 3532 3533 3534 3535 3536 3537 3538 3539 3540 3541 Rodeway Inns LaQuinta Inns Americana Hotels Sol Hotels Pullman International Hotels Meridien Hotels Tokyo Hotel Peninsula Hotels WelcomGroup Hotels Dunfey Hotels Prince Hotels Downtowner Passport Red Lion Inns CP (Canadian Pacific) Hotels Renaissance Hotels Kauai Coconut Beach ResortKAUAI COCONUT BEACH RSRT Royal Kona Resort Hotel Ibis Southern Pacific Hotel (Hotel) Hilton International AMFAC Hotels ANA Hotels Concorde Hotels Summerfield Suites Hotel Iberotel Hotels Hotel Okura Description

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Code 3542 3543 3544 3545 3546 3547 3548 3549 3550 3551 3552 3553 3554 3555 3556 3557 3558 3559 3560 3561 3562 3563 3564 3565 3566 3567 Royal Hotels Four Seasons Hotels Ciga Hotels Shangri-La International Hotel Sierra Breakers Resort (Hotel) Hotels Melia Auberge des Governeures Regal 8 Inns Mirage Hotel and Casino Coast Hotel Park Inns International Pinehurst Resort Treasure Island Hotel and Casino Barton Creek Resort Manhattan East Suite Hotels Jolly Hotels Candlewood Suites Aladdin Resort and Casino Golden Nugget Comfort Inns Journeys End Motels Sams Town Hotel and Casino Relax Inns Garden Place Hotel Soho Grand Hotel Description

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Code 3568 3569 3570 3571 3572 3573 3574 3575 3576 3577 3578 3579 3580 3581 3582 3583 3584 3585 3586 3587 3588 3589 3590 3591 3592 3593 Ladbroke Hotels Tribeca Grand Hotel Forum Hotels Grand Wailea Resort Miyako Hotel Sandman Hotels Venture Inn Vagabond Hotels LaQuinta Resort Mandarin Oriental Hotels Frankenmuth Bavarian Hotel Mercure Hotel Del Coronado Delta Hotels California Hotel and Casino SAS Hotels Princess Hotels International Hungar Hotels Sokos Hotel Doral Hotels Helmsley Hotels Doral Golf Resort Fairmont Hotels Sonesta Hotels Omni Hotels Cunard Hotels Description

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Code 3594 3595 3596 3597 3598 3599 3600 3601 3602 3603 3604 3605 3606 3607 3608 3609 3610 3611 3612 3613 3614 3615 3616 3617 3618 3619 Arizona Biltmore Hospitality Inns Wynn Las Vegas Riverside Resort Hotel and Casino Regent International Hotel Pannonia Hotels Saddlebrook ResortTampa Trade Winds Resorts Hudson Hotel Noahs Hotel Hilton Garden Inn Jurys Doyle Hotel Group Jefferson Hotel Fontainebleau Resorts Gaylord Opryland (Hotel) Gaylord Palms (Hotel) Gaylord Texan (Hotel) C MON INN (Hotel) Movenpick Hotels Microtel Inns & Suites (Hotel) AmericInn (Hotel) Travelodge Hermitage Hotel Americas Best Value Inn (Hotel) Great Wolf (Hotel) aloft (Hotel) Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3620 3621 3622 3623 3624 3625 3626 3627 3628 3629 3630 3631 3632 3633 3634 3635 3636 3637 3638 3639 3640 3641 3642 3643 3644 3645 Binions Horseshoe Club Extended Stay (Hotel) Merlin Hotel Group Dorint Hotels Lady Luck Hotel and Casino Hotel Universale Studio Plus (Hotel) Extended Stay America (Hotel) Excalibur Hotel and Casino Dan Hotels Extended Stay Deluxe (Hotel) Sleep Inns Phoenician (Hotel) Rank Hotels Swissotel Reso Hotel Sarova Hotels Ramada Inns Howard Johnson Mount Charlotte Thistle Hyatt Hotels Sofitel Hotels Novotel Hotels Steigenberger Hotels EconoLodges Queens Moat Houses Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3646 3647 3648 3649 3650 3651 3652 3653 3654 3655 3656 3657 3658 3659 3660 3661 3662 3663 3664 3665 3666 3667 3668 3669 3670 3671 Swallow Hotels Husa Hotels De Vera Hotels Radisson Hotels Red Roof Inns Imperial London Hotels Embassy Hotels Penta Hotels Loews Hotels Scandic Hotels Sara Hotels Oberoi Hotels Otani Hotels Taj Hotels International Knights Inn Metropole Hotels Circus Hotel and Casino Hoteles El Presidente Flag Inns Hampton Inn Hotels Stakis Hotels Luxor Hotel and Casino Maritim Hotels Eldorado Hotel and Casino Arcade Hotels Arctia Hotels Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3672 3673 3674 3675 3676 3677 3678 3679 3680 3681 3682 3683 3684 3685 3686 3687 3688 3689 3690 3691 3692 3693 3694 3695 3696 3697 Campanile Hotels IBUSZ Hotels Rantasipi Hotels Interhotel CEDOK Monte Carlo Hotel and Casino Climat de France Hotels Cumulus Hotels Silver Legacy Hotel and Casino Hoteis Othan Adams Mark Hotels Sahara Hotel and Casino Bradbury Suites Budget Hosts Inns Budgetel Inns Susse Chalet Clarion Hotels Compri Hotels Consort Hotels Courtyard by Marriott (Hotel) Dillon Inn Doubletree Hotels Drury Inn Economy Inns of America Embassy Suites Excel Inn Fairfield Hotels Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3698 3699 3700 3701 3702 3703 3704 3705 3706 3707 3708 3709 3710 3711 3712 3713 3714 3715 3716 3717 3718 3719 3720 3721 3722 3723 Harley Hotels Midway Motor Lodge Motel 6 La Mansion Del Rio Registry Hotels (Hotel) Residence Inn Royce Hotels Sandman Inn Shilo Inn Shoneys Inn Virgin River Hotel and Casino Super 8 Motels The Ritz-Carlton Flag Inns (Australia) Buffalo Bills Hotel and Casino Quality Pacific Hotel Four Seasons (Australia) Hotels Fairfield Inn Carlton Hotels City Lodge Hotels Karos Hotels Protea Hotels Southern Sun Hotels Conrad Hotels WyndhamWYNDHAM Rica Hotels Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3724 3725 3726 3727 3728 3729 3730 3731 3732 3734 3735 3736 3737 3738 3739 3740 3741 3742 3743 3744 3745 3746 3747 3748 3749 3750 Inter Nor Hotels Sea Pines Resort Rio Suites Broadmoor Hotel Ballys Hotel and Casino John Ascuagas Nugget MGM Grand Hotel Harrahs Hotels and Casinos Opryland Hotel Harvey Bristol Hotels Masters Economy Inns Colorado Belle Edgewater Resort Riviera Hotel and Casino Tropicana Resort and Casino Woodside Hotels and Resorts TownePlace Suites Millennium Broadway Hotel Club Med Biltmore Hotel and Suites Carefree Resorts St. Regis Hotel Eliot Hotels Club Corp/Club Resorts Wellesley Inns Beverly Hills Hotel (Hotel) Crowne Plaza Hotels Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3751 3752 3753 3754 3755 3757 3758 3759 3760 3761 3762 3763 3764 3765 3766 3767 3768 3769 3770 3771 3772 3773 3774 3775 3776 3777 Homewood Suites Peabody Hotels Greenbriar Resorts Amelia Island Plantation Homestead (Hotel) Canyon Ranch Kahala Mandarin Oriental Hotel The Orchid at Mauna Lani (Hotel) Halekulani Hotel/Waikiki Parc Primadonna Hotel and Casino Whiskey Petes Hotel and Casino Chateau Elan Winery and Resort Beau Rivage Hotel and Casino Bellagio Hotel and Casino Fremont Hotel and Casino Main Street Hotel and Casino Silver Star Hotel and Casino Stratosphere Hotel and Casino SpringHill Suites Caesars Hotel and Casino Nemacolin Woodlands Venetian Resort Hotel and Casino (Hotel) New York, New York Hotel and Casino Sands Resort Nevele Grande Resort and Country Club Mandalay Bay Resort Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3778 3779 3780 3781 3782 3783 3784 3785 3786 3787 3788 3796 3798 3799 3800 3801 3802 3803 3804 3805 3806 3807 3808 3809 3810 3811 Four Points Hotels W Hotels Disneyland Hotels Patricia Grand Resort Hotels (Hotel) Rosen Hotels and Resorts Town and Country Resort & Convention Center First Hospitality Hotels Outrigger Hotels & Resorts Ohana Hotels of Hawaii Caribe Royale Resort Suites & Villas Ala Moana Hotel Peppermill Hotel CasinoPEPPERMILL Embassy Vacation Resort Hale Koa Hotel Homestead Suites (Hotel) Wilderness Hotel and Golf Resort (Hotel) The Palace Hotel (Hotel) The Wigwam Golf Resort and Spa (Hotel) The Diplomat Country Club and Spa (Hotel) The Atlantic (Hotel) Princeville Resort (Hotel) Element (Hotel) LXR Settle Inn (Hotel) La Costa Resort (Hotel) Premier Inn (Hotel) Description

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 3812 3813 3814 3815 3818 3819 3820 3821 3822 3823 3824 3825 4011 4111 HYATT PLACE (Hotel) HOTEL INDIGO (Hotel) THE ROOSEVELT HOTEL NY (Hotel) Holiday Inn Nickelodeon MainStay Suites Oxford Suites Jumeirah Essex House Caribe Royal Crossland Grand Sierra Resort Aria (Aria Resort and Casino) Vdara (Vdara Hotel and Spa) RailroadsFreight TransportationSuburban and Local Commuter Passenger, including Ferries Passenger Railways Ambulance Services Limousines and Taxicabs Bus Lines Motor Freight Carriers, TruckingLocal/Long Distance, Moving and Storage Companies, Local Delivery Courier ServicesAir and Ground, Freight Forwarders Public WarehousingFarm Products, Refrigerated Goods, Household Goods Storage Cruise Lines Boat Leases and Boat Rentals Marinas, Marine Service/Supplies Description

4112 4119 4121 4131 4214

4215 4225

4411 4457 4468

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 4511 4582 4722 4784 4789 4812 4813 Description Air Carriers, Airlinesnot classified elsewhere Airports, Airport Terminals, Flying Fields Travel Agencies and Tour Operators Bridge and Road Fees, Tolls Transportation Servicesnot elsewhere classified Telecommunication Equipment Including Telephone Sales Key-entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a nonface-to-face environment using key entry Calls placed using magnetic stripe-reading telephonesuse a TCC of R MasterPhone Telephone ServiceMonthly Summary Telephone Charges Computer Network/Information Services Wholesale Distributors and Manufacturers are noted by an asterisk. Telegraph Services Money TransferMerchant Cable and other Pay Television Services UtilitiesElectric, Gas, Heating Oil, Sanitary, Water. The ongoing generation, transmission, or distribution of electricity, gas (natural or propane), home heating oil, water system supply services, or collection and disposal of refuse. Motor Vehicle Supplies and New Parts* Office and Commercial Furniture* Construction Materialsnot elsewhere classified* Office, Photographic, Photocopy, and Microfilm Equipment* Computers, Computer Peripheral Equipment, Software* Commercial Equipmentnot elsewhere classified* Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies*

4814 4815

4816

4821 4829 4899 4900

5013 5021 5039 5044 5045 5046 5047

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 5051 5065 5072 5074 5085 5094 5099 5111 5122 5131 5137 5139 5169 5172 5192 5193 5198 5199 5200 5211 5231 5251 5261 5271 5300 5309 Description Metal Service Centers and Offices* Electrical Parts and Equipment* Hardware Equipment and Supplies* Plumbing and Heating Equipment* Industrial Suppliesnot elsewhere classified* Precious Stones and Metals, Watches and Jewelry* Durable Goodsnot elsewhere classified* Stationery, Office Supplies, Printing and Writing Paper* Drugs, Drug Proprietaries, and Druggists Sundries* Piece Goods, Notions, and Other Dry Goods* Mens, Womens, and Childrens Uniforms and Commercial Clothing* Commercial Footwear* Chemicals and Allied Productsnot elsewhere classified* Petroleum and Petroleum Products* Books, Periodicals and Newspapers* Florists Supplies, Nursery Stock, and Flowers* Paints, Varnishes, and Supplies* Nondurable Goodsnot elsewhere classified* Home Supply Warehouse Stores Building Materials, Lumber Stores Glass, Paint, Wallpaper Stores Hardware Stores Lawn and Garden Supply Stores Mobile Home Dealers Wholesale Clubs Duty Free Stores

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 5310 5311 5331 5399 5411 5422 5441 5451 5462 5499 Discount Stores Department Stores Variety Stores Miscellaneous General Merchandise Grocery Stores, Supermarkets Freezer, Locker Meat Provisioners Candy, Nut, Confectionery Stores Dairy Products Stores Bakeries Miscellaneous Food StoresConvenience Stores, Markets, Specialty Stores, and Vending Machines Automobile and Truck DealersSales, Service, Repairs, Parts, and Leasing Automobile and Truck Dealers(Used Only)Sales Automotive Tire Stores Automotive Parts, Accessories Stores Service Stations (with or without Ancillary Services) Fuel Dispenser, Automated Boat Dealers Camper Dealers, Recreational and Utility Trailers Motorcycle Shops and Dealers Motor Home Dealers Snowmobile Dealers Miscellaneous Automotive, Aircraft, and Farm Equipment Dealersnot elsewhere classified Mens and Boys Clothing and Accessories Stores Womens Ready to Wear Stores Description

5511

5521 5532 5533 5541 5542 5551 5561 5571 5592 5598 5599

5611 5621

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Table 8.1: Merchant Type Codes Numerical Order (cont.)


Code 5631 5641 5651 5655 5661 5681 5691 5697 5698 5699 5712 5713 5714 5718 5719 5722 5732 5733 5734 5735 5811 5812 5813 Description Womens Accessory and Specialty Stores Childrens and Infants Wear Stores Family Clothing Stores Sports Apparel, Riding Apparel Stores Shoe Stores Furriers and Fur Shops Mens and Womens Clothing Stores Alterations, Mending, Seamstresses, Tailors Wig and Toupee Shops Accessory and Apparel StoresMiscellaneous Equipment, Furniture, and Home Furnishings Stores (except Appliances) Floor Covering Stores Drapery, Upholstery, and Window Coverings Stores Fireplace, Fireplace Screens and Accessories Stores Miscellaneous House Furnishing Specialty Shops Household Appliance Stores Electronic Sales Music StoresMusical Instruments, Pianos, Sheet Music Computer Software Stores Record Shops Caterers Eating Places, Restaurants Bars, Cocktail Lounges, Discotheques, Nightclubs, and TavernsDrinking Places (Alcoholic Beverages) Fast Food Restaurants Drug Stores, Pharmacies

5814 5912

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Code 5921 5931 5932 5933 5935 5937 5940 5941 5942 5943 5944 5945 5946 5947 5948 5949 5950 5960 5962 5963 5964 5965 5966 5967 5968 5969 Description Package Stores, Beer, Wine, Liquor Second Hand Stores, Used Merchandise Stores Antique ShopsSales, Repairs, and Restoration Services Pawn Shops Salvage and Wrecking Yards Antique Reproduction Stores Bicycle ShopsSales and Service Sporting Goods Stores Book Stores Office, School Supply, and Stationery Stores Clock, Jewelry, Watch, and Silverware Store Game, Toy, and Hobby Shops Camera and Photographic Supply Stores Card, Gift, Novelty, and Souvenir Shops Leather Goods and Luggage Stores Fabric, Needlework, Piece Goods, and Sewing Stores Crystal and Glassware Stores Direct MarketingInsurance Services Direct MarketingTravel-Related Arrangement Services Door-to-Door Sales Direct MarketingCatalog Merchants Direct MarketingCombination Catalog and Retail Merchants Direct MarketingOutbound Telemarketing Merchants Direct MarketingInbound Telemarketing Merchants Direct MarketingContinuity/Subscription Merchants Direct MarketingOther Direct Marketersnot elsewhere classified

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Code 5970 5971 5972 5973 5975 5976 5977 5978 5983 5992 5993 5994 5995 5996 5997 5998 5999 6010 6011 6012 6050 6051 6211 6300 6529 6530 Description Artist Supply Stores, Craft Shops Art Dealers and Galleries Stamp and Coin StoresPhilatelic and Numismatic Supplies Religious Goods Stores Hearing AidsSales, Service, Supply Stores Orthopedic GoodsArtificial Limb Stores Cosmetic Stores Typewriter StoresRentals, Sales, Service Fuel DealersCoal, Fuel Oil, Liquefied Petroleum, Wood Florists Cigar Stores and Stands News Dealers and Newsstands Pet ShopsPet Food and Supplies Swimming PoolsSales and Supplies Electric Razor StoresSales and Service Tent and Awning Shops Miscellaneous and Specialty Retail Stores Member Financial InstitutionManual Cash Disbursements Member Financial InstitutionAutomated Cash Disbursements Financial InstitutionsMerchandise and Services Quasi CashMember Financial Institution Quasi CashMerchant SecuritiesBrokers/Dealers Insurance Sales, Underwriting, and Premiums Remote Stored Value LoadMember Financial Institution Remote Stored Value LoadMerchant

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Code 6531 6532 Description Payment Service ProviderPayment Transfer for a Purchase Payment Service ProviderMember Financial InstitutionPayment Transaction Payment Service ProviderMerchantPayment Transaction Money TransferMember Financial Institution Value Purchase-Member Financial Institution LodgingHotels, Motels, Resortsnot elsewhere classified Timeshares Recreational and Sporting Camps Campgrounds and Trailer Parks Cleaning, Garment, and Laundry Services Laundry ServicesFamily and Commercial Dry Cleaners Carpet and Upholstery Cleaning Photographic Studios Barber and Beauty Shops Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors Funeral Service and Crematories Dating and Escort Services Tax Preparation Service Debt, Marriage, PersonalCounseling Service Buying/Shopping Clubs, Services Clothing RentalCostumes, Uniforms, and Formal Wear Massage Parlors Health and Beauty Spas Other Servicesnot elsewhere classified

6533 6534 6535 7011 7012 7032 7033 7210 7211 7216 7217 7221 7230 7251 7261 7273 7276 7277 7278 7296 7297 7298 7299

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Code 7311 7321 7333 7338 7339 7342 7349 7361 7372 Advertising Services Consumer Credit Reporting Agencies Commercial Art, Graphics, Photography Quick Copy, Reproduction, and Blueprinting Services Stenographic and Secretarial Support Services Exterminating and Disinfecting Services Cleaning and Maintenance, Janitorial Services Employment Agencies, Temporary Help Services Computer Programming, Data Processing, and Integrated Systems Design Services Information Retrieval Services* Computer Maintenance, Repair, and Servicesnot elsewhere classified* Consulting, Management, and Public Relations Services Detective Agencies, Protective Agencies, Security Services including Armored Cars, Guard Dogs Equipment Rental and Leasing Services, Furniture Rental, Tool Rental Photo Developing, Photofinishing Laboratories Business Servicesnot elsewhere classified Truck Stop Transactions Automobile Rental Agencynot elsewhere classified Truck Rental Motor Home and Recreational Vehicle Rental Automobile Parking Lots and Garages Automotive Body Repair Shops Tire Retreading and Repair Shops Automotive Paint Shops Automotive Service Shops Description

7375 7379 7392 7393

7394 7395 7399 7511 7512 7513 7519 7523 7531 7534 7535 7538

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Code 7542 7549 7622 7623 7629 7631 7641 7692 7699 7829 7832 7841 7911 7922 7929 Car Washes Towing Services Electronic Repair Shops Air Conditioning and Refrigeration Repair Shops Appliance Repair Shops, Electrical and Small Clock, Jewelry, and Watch Repair Shops FurnitureReupholstery and Repair, Refinishing Welding Repair Miscellaneous Repair Shops and Related Services Motion Picture and Video Tape Production and Distribution* Motion Picture Theaters Video Entertainment Rental Stores Dance Halls, Schools, and Studios Theatrical Producers (except Motion Pictures), Ticket Agencies Bands, Orchestras, and Miscellaneous Entertainersnot elsewhere classified Pool and Billiard Establishments Bowling Alleys Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters Tourist Attractions and Exhibits Golf Courses, Public Video Amusement Game Supplies Video Game Arcades/Establishments Gambling Transactions Amusement Parks, Carnivals, Circuses, Fortune Tellers Description

7932 7933 7941

7991 7992 7993 7994 7995 7996

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Code 7997 Description ClubsCountry Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses Aquariums, Dolphinariums, and Seaquariums Recreation Servicesnot elsewhere classified Doctorsnot elsewhere classified Dentists, Orthodontists Osteopathic Physicians Chiropractors Optometrists, Ophthalmologists Opticians, Optical Goods, and Eyeglasses Chiropodists, Podiatrists Dental and Medical Laboratories Health Practitioners, Medical Servicesnot elsewhere classified Attorneys, Legal Services Schools, Elementary and Secondary Schools, Correspondence Schools, Business and Secretarial Schools, Trade and Vocational Schools and Educational Servicesnot elsewhere classified Child Care Services Organizations, Charitable and Social Service AssociationsCivic, Social, and Fraternal Organizations, Political Organizations, Religious Automobile Associations Organizations, Membershipnot elsewhere classified

7998 7999 8011 8021 8031 8041 8042 8043 8049 8071 8099 8111 8211 8241 8244 8249 8299 8351 8398 8641 8651 8661 8675 8699

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Code 8734 8911 8931 8999 9211 9222 9223 9311 9399 9402 9405 9751 9752 9754 Description Testing Laboratories (Non-Medical)* Architectural, Engineering, and Surveying Services Accounting, Auditing, and Bookkeeping Services Professional Servicesnot elsewhere classified Court Costs including Alimony and Child Support Fines Bail and Bond Payments Tax Payments Government Servicesnot elsewhere classified Postal ServicesGovernment Only Intra-Government PurchasesGovernment Only U.K. Supermarkets, Electronic Hot File U.K. Petrol Stations, Electronic Hot File Gambling - Horse Racing, Dog Racing, State Lotteries

* Denotes wholesale distributors and manufacturers.

Merchant Type Codes - Alphabetical Order


Table 8.2: Merchant Type Codes Alphabetical Order
Code 3412 3374 5699 8931 3354 3681 3064 3441 A1 Rent-A-Car Accent Rent-A-Car Accessory and Apparel StoresMiscellaneous Accounting, Auditing, and Bookkeeping Services Action Auto Rental Adams Mark Hotels Adria AirwaysADRIA AIR Advantage Rent A Car Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 7311 3043 3287 3167 3285 3263 3286 3011 3030 3076 3351 3364 0763 3083 3021 3236 3068 3296 3071 3009 4511 3261 7623 1711 3282 3007 Advertising Services Aer LingusAERLING Aero Coach AviationAEROCOAC Aero ContinenteAEROCONTINENTE Aero PeruAEROPERU Aero Servicio CaraboboASC AIRLINE Aero. NicaraguensesAERO NIC AeroflotAEROFLOT Aerolineas ArgentinasAERO ARG AeromexicoAEROMEXI Affiliated Auto Rental Agency Rent-A-Car Agricultural Cooperatives Air AfriqueAIRAFRIQUE Air AlgerieAIRALGER Air Arabia AirlineAIR ARABIA Air Astana AIR ASTANA Air Berlin - AIR BERLIN Air British ColumbiaAIR B R C Air CanadaAIR CANA Air Carriers, Airlinesnot elsewhere classified Air ChinaAIR CHINA Air Conditioning and Refrigeration Repair Shops Air Conditioning, Heating, and Plumbing Contractors Air DjiboutiAIR DJIB Air FranceAIR FRAN Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3020 3065 3280 3044 3148 3028 3298 3025 3267 3266 3151 3096 4582 3177 3361 3376 3788 3560 3387 3256 3013 3161 3421 3252 3619 5697 Air IndiaAIR-INDI Air InterAIRINTER Air JamaicaAIR JAMA Air LankaAIR LANKA Air Littoral, S.A.LITTORAL Air MaltaAIRMALTA Air MauritiusAIRMAURI Air New Zealand Limited InternationalAIR NZ Air Panama InternationalAIR PANA Air SeychellesAIR SEYC Air ZaireAIRZAIRE Air ZimbabweAIRZIMBA Airports, Airport Terminals, Flying Fields AirTran AirwaysAIRTRANAIR Airways Rent-A-Car Ajax Rent-A-Car Ala Moana Hotel Aladdin Resort and Casino Alamo Rent-A-Car Alaska Airlines Inc.ALASKA A AlitaliaALITALIA All Nippon AirwaysANAAIR Allstate Rent-A-Car ALM Antilean AirlinesALM aloft (Hotel) Alterations, Mending, Seamstresses, Tailors Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3362 4119 3754 3253 3617 3001 3352 3517 3614 3514 3536 7996 3537 3420 3033 5937 5932 7629 7998 3511 3670 8911 3671 3824 3594 5971 Altra Auto Rental Ambulance Services Amelia Island Plantation America WestAMERWEST Americas Best Value Inn (Hotel) American AirlinesAMERICAN American International Americana Hotels AmericInn (Hotel) Amerisuites AMFAC Hotels Amusement Parks, Carnivals, Circuses, Fortune Tellers ANA Hotels ANSA International Ansett AirlinesANSETT Antique Reproduction Stores Antique ShopsSales, Repairs, and Restoration Services Appliance Repair Shops, Electrical and Small Aquariums, Dolphinariums, and Seaquariums Arabella Hotels Arcade Hotels Architectural, Engineering, and Surveying Services Arctia Hotels Aria (Aria Resort and Casino) Arizona Biltmore Art Dealers and Galleries Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 5970 3098 8641 7941 Description Artist Supply Stores, Craft Shops Asiana AirlinesASIANA AIR AssociationsCivic, Social, and Fraternal Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters Attorneys, Legal Services Auberge des Governeures Austrian Air ServiceAUSTRAIR Austrian AirlinesAUSTRIAN Auto Host Car Rental Autohansa Rent-A-Car Automate Rent-A-Car Automobile and Truck Dealers(Used Only)Sales Automobile and Truck DealersSales, Service, Repairs, Parts, and Leasing Automobile Associations Automobile Parking Lots and Garages Automobile Rental Agencynot elsewhere classified Automotive Body Repair Shops Automotive Paint Shops Automotive Parts, Accessories Stores Automotive Service Shops Automotive Tire Stores Avcar Rent-A-Car AvensaAVENSA AVIACO (Spain)AVIACO AviancaAVIANCA

8111 3549 3243 3051 3400 3436 3425 5521 5511

8675 7523 7512 7531 7535 5533 7538 5532 3423 3242 3053 3039

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3241 3389 3427 3240 9223 5462 3041 3728 7929 Description Aviateca (Guatemala)AVIATECA Avis Rent A Car Avon Rent-A-Car BahamasairBAHAMASA Bail and Bond Payments Bakeries BalkanBulgarian AirlinesBALKAN Ballys Hotel and Casino Bands, Orchestras, and Miscellaneous Entertainersnot elsewhere classified Bar Harbor AirlinesBARHARBO Barber and Beauty Shops Bars, Cocktail Lounges, Discotheques, Nightclubs, and TavernsDrinking Places (Alcoholic Beverages) Barton Creek Resort Beau Rivage Hotel and Casino Bellagio Hotel and Casino Best Western Hotels Beverly Hills Hotel (Hotel) Bicycle ShopsSales and Service Biltmore Hotel and Suites Binions Horseshoe Club Boat Dealers Boat Leases and Boat Rentals Book Stores Books, Periodicals and Newspapers* Bowling Alleys

3239 7230 5813

3556 3764 3765 3502 3749 5940 3743 3620 5551 4457 5942 5192 7933

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3106 3683 3547 4784 3005 3111 3727 3353 3684 3366 3685 3712 5211 4131 7399 7278 3611 4899 3771 3582 4814 5946 3672 5561 7033 3171 Description Braathens S.A.F.E. (Norway)BRAATHEN Bradbury Suites Breakers Resort (Hotel) Bridge and Road Fees, Tolls British AirwaysBRITISH AWYS British MidlandBRITISH M Broadmoor Hotel Brooks Rent A Car Budget Hosts Inns Budget Rent-A-Car Budgetel Inns Buffalo Bills Hotel and Casino Building Materials, Lumber Stores Bus Lines Business Servicesnot elsewhere classified Buying/Shopping Clubs, Services C MON INN Cable and other Pay Television Services Caesars Hotel and Casino California Hotel and Casino Calls placed using magnetic stripe-reading telephonesuse a TCC of R Camera and Photographic Supply Stores Campanile Hotels Camper Dealers, Recreational and Utility Trailers Campgrounds and Trailer Parks Canadian AirlinesCANADIAN

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3559 5441 3757 7542 5947 3744 3428 3234 3821 3787 3716 1750 7217 5811 3099 3228 3072 3763 5169 8351 5641 3078 3206 8049 8041 3544 Candlewood Suites Candy, Nut, Confectionery Stores Canyon Ranch Car Washes Card, Gift, Novelty, and Souvenir Shops Carefree Resorts Carey Rent-A-Car Caribbean Airlines CARIBBEANAIR Caribe Royale Caribe Royale Resort Suites & Villas Carlton Hotels Carpentry Contractors Carpet and Upholstery Cleaning Caterers Cathay PacificCATHAYPA Cayman AirwaysCAYMANAI CEBU PAC-CEBU Pacific Airlines Chateau Elan Winery and Resort Chemicals and Allied Productsnot elsewhere classified* Child Care Services Childrens and Infants Wear Stores China AirlinesCHINAAIR China Eastern AirlinesCHINEASTAIR Chiropodists, Podiatrists Chiropractors Ciga Hotels Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 5993 3662 3717 3687 7349 7210 3677 7631 5944 7296 3747 3742 7997 Cigar Stores and Stands Circus Circus Hotel and Casino City Lodge Hotels Clarion Hotels Cleaning and Maintenance, Janitorial Services Cleaning, Garment, and Laundry Services Climat de France Hotels Clock, Jewelry, and Watch Repair Shops Clock, Jewelry, Watch, and Silverware Store Clothing RentalCostumes, Uniforms, and Formal Wear Club Corp/Club Resorts Club Med ClubsCountry Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses Coast Hotel Colorado Belle Edgewater Resort ComairCOMAIR Comfort Inns Command AirwaysCOMMAND Commercial Art, Graphics, Photography Commercial Equipmentnot elsewhere classified* Commercial Footwear* Compania FaucettCOMPANIA Compania Panamena de Aviacion (Copa)COPA Compri Hotels Computer Maintenance, Repair, and Servicesnot elsewhere classified* Description

3552 3736 3223 3562 3222 7333 5046 5139 3220 3219 3688 7379

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 4816 Description Computer Network/Information Services Wholesale Distributors and Manufacturers are noted by an asterisk. Computer Programming, Data Processing, and Integrated Systems Design Services Computer Software Stores Computers, Computer Peripheral Equipment, Software* Concorde Hotels Concrete Work Contractors Conrad Hotels Consort Hotels Construction Materialsnot elsewhere classified* Consulting, Management, and Public Relations Services Consumer Credit Reporting Agencies ContinentalCONTINEN Contractors, Special Tradenot elsewhere classified Cosmetic Stores Courier ServicesAir and Ground, Freight Forwarders Court Costs including Alimony and Child Support Courtyard by Marriott (Hotel) CP (Canadian Pacific) Hotels Croatia AirCROATIA AIR Crossland Crowne Plaza Hotels Cruise Lines Cruzerio do Sul (Brazil)CRUZERIO Crystal and Glassware Stores CSA Ceskoslovenske AerolinieCSA

7372

5734 5045 3538 1771 3721 3689 5039 7392 7321 3061 1799 5977 4215 9211 3690 3529 3088 3822 3750 4411 3046 5950 3217

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3678 3593 3292 5451 3629 7911 7273 3510 3059 3648 7277 3581 3058 8071 5047 Cumulus Hotels Cunard Hotels Cyprus AirwaysCYPRUSA Dairy Products Stores Dan Hotels Dance Halls, Schools, and Studios Dating and Escort Services Days Inns DBA AirlinesDBA AIR De Vera Hotels Debt, Marriage, PersonalCounseling Service Delta Hotels DeltaDELTA Dental and Medical Laboratories Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies* Dentists, Orthodontists Department Stores Detective Agencies, Protective Agencies, Security Services including Armored Cars, Guard Dogs Dillon Inn Direct MarketingCatalog Merchants Direct MarketingCombination Catalog and Retail Merchants Direct MarketingContinuity/Subscription Merchants Direct MarketingInbound Telemarketing Merchants Direct MarketingInsurance Services Direct MarketingOther Direct Marketersnot elsewhere classified Description

8021 5311 7393

3691 5964 5965 5968 5967 5960 5969

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 5966 5962 5310 3780 8011 3390 3212 5963 3589 3587 3623 3692 3527 3004 5714 5912 5122 3693 7216 3525 5099 5309 3245 5812 3398 3644 Description Direct MarketingOutbound Telemarketing Merchants Direct MarketingTravel-Related Arrangement Services Discount Stores Disneyland Hotels Doctorsnot elsewhere classified Dollar Rent A Car Dominicana de AviacionDOMINICA Door-to-Door Sales Doral Golf Resort Doral Hotels Dorint Hotels Doubletree Hotels Downtowner Passport Dragon Airlines - Dragonair Drapery, Upholstery, and Window Coverings Stores Drug Stores, Pharmacies Drugs, Drug Proprietaries, and Druggists Sundries* Drury Inn Dry Cleaners Dunfey Hotels Durable Goodsnot elsewhere classified* Duty Free Stores EasyJet AirlinesEASYJET AIR Eating Places, Restaurants Econo Car Rent-A-Car EconoLodges

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3694 3293 3037 3032 3669 5997 1731 5065 7622 5732 3807 3746 3652 3695 3798 3026 7361 3405 7394 5712 3294 3034 3003 3381 3391 3084 Economy Inns of America EcuatorianaECUATORI EgyptAirEGYPTAIR El AlEL AL Eldorado Hotel and Casino Electric Razor StoresSales and Service Electrical Contractors Electrical Parts and Equipment* Electronic Repair Shops Electronic Sales Element (Hotel) Eliot Hotels Embassy Hotels Embassy Suites Embassy Vacation Resort Emirates AirlinesEMIRATES Employment Agencies, Temporary Help Services Enterprise Rent-A-Car Equipment Rental and Leasing Services, Furniture Rental, Tool Rental Equipment, Furniture, and Home Furnishings Stores (except Appliances) Ethiopian AirlinesETHIOPIA Etihad Airways-ETIHADAIR Eurofly Air Europ Car Europe By Car Eva AirwaysEVA AIR Description

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Code 3628 3696 3621 3627 3630 7342 5949 3697 3715 3590 5651 5814 6012 9222 3042 5718 3784 3664 3711 5713 5992 5193 3607 3505 3570 3778 Excalibur Hotel and Casino Excel Inn Extended Stay (Hotel) Extended Stay America (Hotel) Extended Stay Deluxe (Hotel) Exterminating and Disinfecting Services Fabric, Needlework, Piece Goods, and Sewing Stores Fairfield Hotels Fairfield Inn Fairmont Hotels Family Clothing Stores Fast Food Restaurants Financial InstitutionsMerchandise and Services Fines FinnairFINNAIR Fireplace, Fireplace Screens and Accessories Stores First Hospitality Hotels Flag Inns Flag Inns (Australia) Floor Covering Stores Florists Florists Supplies, Nursery Stock, and Flowers* Fontainebleau Resort Forte Hotels Forum Hotels Four Points Hotels Description

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Code 3714 3543 3578 3204 5422 3766 3507 3132 5983 5542 7261 7641 5681 9754 7995 5945 3566 3103 3608 3609 3610 1520 3409 3019 5231 3156 Description Four Seasons (Australia) Hotels Four Seasons Hotels Frankenmuth Bavaria Freedom AirlinesFREEDOM Freezer, Locker Meat Provisioners Fremont Hotel and Casino Friendship Inns Frontier AirlinesFRONTIER AIR Fuel DealersCoal, Fuel Oil, Liquefied Petroleum, Wood Fuel Dispenser, Automated Funeral Service and Crematories FurnitureReupholstery and Repair, Refinishing Furriers and Fur Shops Gambling - Horse Racing, Dog Racing, State Lotteries Gambling Transactions Game, Toy, and Hobby Shops Garden Place Hotel Garuda (Indonesia)GARUDA Gaylord Opryland Gaylord Palms Gaylord Texan General ContractorsResidential and Commercial General Rent-A-Car GermanwingsGRMNWNGSAIR Glass, Paint, Wallpaper Stores GO FLY Ltd.GOFLY

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3247 3561 3506 7992 9399 3823 3571 3618 3753 5411 3040 3200 3799 3760 3665 3062 5072 5251 3698 3731 3734 7251 3197 3196 7298 8099 Gol AirlinesGOL Golden Nugget Golden Tulip Hotels Golf Courses, Public Government Servicesnot elsewhere classified Grand Sierra Resort Grand Wailea Resort Great Wolf (Hotel) Greenbriar Resorts Grocery Stores, Supermarkets Gulf Air (Bahrain)GULF AIR Guyana AirwaysGUYANA A Hale Koa Hotel Halekulani Hotel/Waikiki Parc Hampton Inn Hotels Hapag - Lloyd Express AirlinesHLX AIR Hardware Equipment and Supplies* Hardware Stores Harley Hotels Harrahs Hotels and Casinos Harvey Bristol Hotels Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors Havasu AirlinesHAVASUAI Hawaiian AirHAWAIIAN Health and Beauty Spas Health Practitioners, Medical Servicesnot elsewhere classified Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 5975 3588 3616 3357 3604 3504 3535 3501 3815 3368 5200 3755 3800 3751 0780 3595 3680 3580 3533 3813 3579 3541 3546 3625 3663 3548 Description Hearing AidsSales, Service, Supply Stores Helmsley Hotels Hermitage Hotel Hertz Hilton Garden Inn Hilton Hotels Hilton International Holiday Inns Holiday Inn Nickelodeon Holiday Rent-A-Car Home Supply Warehouse Stores Homestead (Hotel) Homestead Suites (Hotel) Homewood Suites Horticultural and Landscaping Services Hospitality Inns Hoteis Othan Hotel Del Coronado Hotel Ibis Hotel Indigo (Hotel) Hotel Mercure Hotel Okura Hotel Sierra Hotel Universale Hoteles El Presidente Hotels Melia

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 5722 3638 3602 3585 3647 3640 3812 3102 3540 3673 3050 3651 3193 5085 7375 1740 3429 6300 3724 3512 3438 3675 9405 3192 3191 3006 Household Appliance Stores Howard Johnson Hudson Hotel Hungar Hotels Husa Hotels Hyatt Hotels Hyatt Place (Hotel) IberiaIBERIA Iberotel Hotels IBUSZ Hotels IcelandairICELANDA Imperial London Hotels Indian AirlinesINDIAN A Industrial Suppliesnot elsewhere classified* Information Retrieval Services* Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors Insurance Rent-A-Car Insurance Sales, Underwriting, and Premiums Inter Nor Hotels Intercontinental Hotels Interent Rent-A-Car Interhotel CEDOK Intra-Government PurchasesGovernment Only Iran AirIRANAIR Island AirlinesISLANDAI Japan Air LinesJAL Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3606 3174 3079 3729 3558 3563 3190 3820 3605 3758 3718 3531 3394 3295 4813 Jefferson Hotel JetBlue AirwaysJETBLUE Jetstar AirwaysJETSTAR John Ascuagas Nugget Jolly Hotels Journeys End Motels Jugoslav AirJUGOSLAV Jumeirah Essex House Jurys Doyle Hotel Group Kahala Mandarin Oriental Hotel Karos Hotels Kauai Coconut Beach ResortKAUAI COCONUT BEACH RSRT Kemwell Group Rent-A-Car Kenya AirwaysKENYAAIR Key-entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a nonface-to-face environment using key entry Knights Inn Korean AirlinesKOREAN Kuwait AirwaysKUWAIT La Costa Resort (Hotel) La Mansion Del Rio LAB (Bolivia)LAB LACSA (Costa Rica)LACSA Ladbroke Hotels LADECO (Chile)LADECO Lady Luck Hotel and Casino Description

3660 3082 3038 3810 3701 3055 3187 3568 3054 3624

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3052 3186 3516 3576 7211 3185 5261 5948 3184 4121 7011 3654 3182 3808 3008 3146 3667 3818 3767 3430 3100 3181 3213 3777 3577 3557 LAN Airlines - LAN AIR LAP Lineas Aereas ParaguayasLAP LaQuinta Inns LaQuinta Resort Laundry ServicesFamily and Commercial LAV Linea Aeropostal VenezolanaLAV Lawn and Garden Supply Stores Leather Goods and Luggage Stores LIATLIAT Limousines and Taxicabs LodgingHotels, Motels, Resortsnot elsewhere classified Loews Hotels LOT - Polish AirlinesLOT LXR LufthansaLUFTHAN LuxairLUXAIR Luxor Hotel and Casino MainStay Suites Main Street Hotel and Casino Major Rent-A-Car Malaysian Airline SystemMALAY AI Malev Hungarian AirlinesMALEV Malmo AviationMALMO AIR Mandalay Bay Resort Mandarin Oriental Hotels Manhattan East Suite Hotels Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 4468 3668 3509 7297 4815 Description Marinas, Marine Service/Supplies Maritim Hotels Marriott Massage Parlors MasterPhone Telephone ServiceMonthly Summary Telephone Charges Masters Economy Inns Member Financial InstitutionAutomated Cash Disbursements Member Financial InstitutionManual Cash Disbursements Mens and Boys Clothing and Accessories Stores Mens and Womens Clothing Stores Mens, Womens, and Childrens Uniforms and Commercial Clothing* Meridien Hotels Merlin Hotel Group Mesa AirMESA AIR Metal Service Centers and Offices* Metro AirlinesMETROAI Metropole Hotels MexicanaMEXICANA MGM Grand Hotel Microtel Inns & Suites (Hotel) Middle East AirMIDEASTA Midway Motor Lodge Midwest Express AirlinesMIDWEST EXP Millennium Broadway Hotel Milleville Rent-A-Car

3735 6011 6010 5611 5691 5137 3520 3622 3178 5051 3087 3661 3023 3730 3613 3175 3699 3085 3741 3439

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3551 5999 5599 Mirage Hotel and Casino Miscellaneous and Specialty Retail Stores Miscellaneous Automotive, Aircraft, and Farm Equipment Dealersnot elsewhere classified Miscellaneous Food StoresConvenience Stores, Markets, Specialty Stores, and Vending Machines Miscellaneous General Merchandise Miscellaneous House Furnishing Specialty Shops Miscellaneous Publishing and Printing* Miscellaneous Repair Shops and Related Services Miyako Hotel Mobile Home Dealers Money TransferMember Financial Institution Money TransferMerchant Monte Carlo Hotel and Casino Motel 6 Motion Picture and Video Tape Production and Distribution* Motion Picture Theaters Motor Freight Carriers, TruckingLocal/Long Distance, Moving and Storage Companies, Local Delivery Motor Home and Recreational Vehicle Rental Motor Home Dealers Motor Vehicle Supplies and New Parts* Motorcycle Shops and Dealers Mount Charlotte Thistle Movenpick Hotels Music StoresMusical Instruments, Pianos, Sheet Music Description

5499

5399 5719 2741 7699 3572 5271 6534 4829 3676 3700 7829 7832 4214

7519 5592 5013 5571 3639 3612 5733

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3172 3393 3772 3776 3774 5994 3815 3045 3603 5199 3164 3060 3211 3642 3657 5021 5044 5943 3786 3031 3592 3732 8043 8042 3759 8398 Nation AirNATIONAI National Car Rental Nemacolin Woodlands Nevele Grande Resort and Country Club New York, New York Hotel and Casino News Dealers and Newsstands NICKELODEON SUITES Nigeria AirwaysNIGERIA Noahs Hotel Nondurable Goodsnot elsewhere classified* NorontairNORONTAI Northwest AirlinesNWA AIR Norwegian Air ShuttleNORWEGIANAIR Novotel Hotels Oberoi Hotels Office and Commercial Furniture* Office, Photographic, Photocopy, and Microfilm Equipment* Office, School Supply, and Stationery Stores Ohana Hotels of Hawaii Olympic AirwaysOLYMPICA Omni Hotels Opryland Hotel Opticians, Optical Goods, and Eyeglasses Optometrists, Ophthalmologists Orchid at Mauna Lani (Hotel) Organizations, Charitable and Social Service Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 8699 8651 8661 5976 8031 3658 7299 3785 3819 5921 5198 3024 3002 3599 3553 4112 3781 5933 3359 6532 Description Organizations, Membershipnot elsewhere classified Organizations, Political Organizations, Religious Orthopedic GoodsArtificial Limb Stores Osteopathic Physicians Otani Hotels Other Servicesnot elsewhere classified Outrigger Hotels & Resorts Oxford Suites Package Stores, Beer, Wine, Liquor Paints, Varnishes, and Supplies* Pakistan InternationalPAKISTAN Pan AmericanPAN AM AIR Pannonia Hotels Park Inns International Passenger Railways Patricia Grand Resort Hotels (Hotel) Pawn Shops Payless Car Rental Payment Service ProviderMember Financial InstitutionPayment Transaction Payment Service ProviderMerchantPayment Transaction Payment Service ProviderPayment Transfer for a Purchase Peabody Hotels Peninsula Hotels Penta Hotels

6533 6531 3752 3523 3653

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3796 5995 5172 3022 3632 7395 7221 5131 3554 5074 7932 9402 5094 3811 3761 3526 3584 3806 8999 3719 3159 4225 Description Peppermill Hotel CasinoPEPPERMILL Pet ShopsPet Food and Supplies Petroleum and Petroleum Products* Philippine AirlinesPAL AIR Phoenician (Hotel) Photo Developing, Photofinishing Laboratories Photographic Studios Piece Goods, Notions, and Other Dry Goods* Pinehurst Resort Plumbing and Heating Equipment* Pool and Billiard Establishments Postal ServicesGovernment Only Precious Stones and Metals, Watches and Jewelry* Premier Inn (Hotel) Primadonna Hotel and Casino Prince Hotels Princess Hotels International Princeville Resort Professional Servicesnot elsewhere classified Protea Hotels Provincetown-Boston AirwaysPBA Public WarehousingFarm Products, Refrigerated Goods, Household Goods Storage Pullman International Hotels QantasQANTAS Qatar Airways Company W.L.L.QATAR AIR

3519 3012 3136

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3508 3713 6050 6051 3645 7338 3649 4011 3637 3633 3674 5735 7999 7032 3528 3650 3550 3598 3702 3565 5973 6529 6530 3530 3370 3431 Quality Inns Quality Pacific Hotel Quasi CashMember Financial Institution Quasi CashMerchant Queens Moat Houses Quick Copy, Reproduction, and Blueprinting Services Radisson Hotels RailroadsFreight Ramada Inns Rank Hotels Rantasipi Hotels Record Shops Recreation Servicesnot elsewhere classified Recreational and Sporting Camps Red Lion Inns Red Roof Inns Regal 8 Inns Regent International Hotel Registry Hotels (Hotel) Relax Inns Religious Goods Stores Remote Stored Value LoadMember Financial Institution Remote Stored Value LoadMerchant Renaissance Hotels Rent A Wreck Replacement Rent-A-Car Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3432 3703 3635 3723 3726 3597 3737 3515 1761 3782 3048 3010 3542 3532 3704 3246 3600 3229 3682 3231 5935 3564 3573 3705 3775 2842 Reserve Rent-A-Car Residence Inn Reso Hotel Rica Hotels Rio Suites Riverside Resort Hotel and Casino Riviera Hotel and Casino Rodeway Inns Roofing and Siding, Sheet Metal Work Contractors Rosen Hotels and Resorts Royal Air MarocAIRMARO Royal Dutch Airlines (KLM)KLM Royal Hotels Royal Kona Resort Royce Hotels Ryanair Saddlebrook ResortTampa SAETA (Sociedad Ecuatorianas De Transportes Aereo)SAETAAIR Sahara Hotel and Casino SAHSA (Servicio Aero de Honduras)SAHSA Salvage and Wrecking Yards Sams Town Hotel and Casino Sandman Hotels Sandman Inn Sands Resort Sanitation, Polishing, and Specialty Cleaning Preparations Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3656 3636 3583 3014 3655 3016 8299 8244 8241 8211 8249 3725 5931 6211 5541 3809 3545 3503 3706 5661 3707 3386 3679 3768 3075 3355 Sara Hotels Sarova Hotels SAS Hotels Saudi Arabian AirlinesSAUDI AI Scandic Hotels Scandinavian Airline System (SAS)SAS Schools and Educational Servicesnot elsewhere classified Schools, Business and Secretarial Schools, Correspondence Schools, Elementary and Secondary Schools, Trade and Vocational Sea Pines Resort Second Hand Stores, Used Merchandise Stores SecuritiesBrokers/Dealers Service Stations (with or without Ancillary Services) Settle Inn (Hotel) Shangri-La International Sheraton (Sheraton Hotels) Shilo Inn Shoe Stores Shoneys Inn Showcase Rental Cars Silver Legacy Hotel and Casino Silver Star Hotel and Casino Singapore AirlinesSINGAPOR SIXT Car Rental Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3226 3631 3029 3360 5598 3641 3567 3586 3518 3591 3017 3534 3720 3066 3097 3260 5941 5655 3770 3745 3666 5972 5111 3643 7339 3769 Skyways Air Sleep Inns SN Brussels AirlinesSN BRUSSELS Snappy Car Rental Snowmobile Dealers Sofitel Hotels Soho Grand Hotel Sokos Hotel Sol Hotels Sonesta Hotels South African AirwaysSAFRICAN Southern Pacific Hotel (Hotel) Southern Sun Hotels Southwest AirlinesSOUTHWES SpanairSPANAIR Spirit AirlinesSPIRIT Sporting Goods Stores Sports Apparel, Riding Apparel Stores SpringHill Suites St. Regis Hotel Stakis Hotels Stamp and Coin StoresPhilatelic and Numismatic Supplies Stationery, Office Supplies, Printing and Writing Paper* Steigenberger Hotels Stenographic and Secretarial Support Services Stratosphere Hotel and Casino Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3626 3135 3539 3130 3709 3129 3686 3646 5996 3015 3634 3127 3659 3248 3125 3035 3297 9311 7276 4812 4821 5998 8734 3077 3805 3804 Studio Plus (Hotel) Sudan AirwaysSUDANAIR Summerfield Suites Hotel Sunworld International AirwaysSUNWORLD Super 8 Motels Surinam AirwaysSURINAM Susse Chalet Swallow Hotels Swimming PoolsSales and Supplies Swiss International AirlinesSWISSINTLAIR Swissotel Taca InternationalTACA INT Taj Hotels International Tam AirlinesTAM Tan AirlinesTAN AIR Tap (Portugal)TAP Tarom Romanian Air TransportTAROM AIR Tax Payments Tax Preparation Service Telecommunication Equipment Including Telephone Sales Telegraph Services Tent and Awning Shops Testing Laboratories (Non-Medical)* Thai AirwaysTHAIAIRW The Atlantic The Diplomat Country Club and Spa Description

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3801 3710 3814 3803 7922 3395 3047 3396 7012 7534 3522 7991 7549 3783 3740 3600 3089 4789 4111 The Palace Hotel The Ritz-Carlton The Roosevelt Hotel NY (Hotel) The Wigwam Golf Resort and Spa Theatrical Producers (except Motion Pictures), Ticket Agencies Thrifty Car Rental THY (Turkey)THY Tilden Rent-A-Car Timeshares Tire Retreading and Repair Shops Tokyo Hotel Tourist Attractions and Exhibits Towing Services Town and Country Resort & Convention Center TownePlace Suites Trade Winds Resorts TransaeroTRANSAERO Transportation Servicesnot elsewhere classified TransportationSuburban and Local Commuter Passenger, including Ferries Transportes Aeros Militares EcuatorianosTAME AIR Travel Agencies and Tour Operators Travelodge Treasure Island Hotel and Casino Triangle Rent A Car Tribeca Grand Hotel Description

3221 4722 3615 3555 3380 3569

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3385 3738 7513 7511 3049 2791 5978 9752 9751 3063 3433 3090 3027 3000 3434 4900 Tropical Rent-A-Car Tropicana Resort and Casino Truck Rental Truck Stop Transactions Tunis AirTUNIS AI Typesetting, Plate Making, and Related Services* Typewriter StoresRentals, Sales, Service U.K. Petrol Stations, Electronic Hot File U.K. Supermarkets, Electronic Hot File U.S. AirwaysUSAIRWYS Ugly Duckling Rent-A-Car Uni AirwaysUNIAIR Union de Transports AeriensUTAAIR United AirlinesUNITED USA Rent-A-Car UtilitiesElectric, Gas, Heating Oil, Sanitary, Water. The ongoing generation, transmission, or distribution of electricity, gas (natural or propane), home heating oil, water system supply services, or collection and disposal of refuse. Vagabond Hotels Value Purchase - Member Financial Institution Value Rent-A-Car Vanguard AirlinesVANGUARD Variety Stores Varig (Brazil)VARIG VASP (Brazil)VASP Venetian Resort Hotel and Casino (Hotel) Description

3575 6535 3435 3067 5331 3018 3036 3773

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3117 3574 0742 3825 7993 7841 7994 3144 3708 3131 3779 3524 7692 3748 3513 3762 5300 3299 5698 3801 3112 5631 5621 3739 3722 3596 Description Venezolana International de AviacionVIASA Venture Inn Veterinary Services Vdara (Vdara Hotel and Spa) Video Amusement Game Supplies Video Entertainment Rental Stores Video Game Arcades/Establishments Virgin AtlanticVIR ATL Virgin River Hotel and Casino VLM AirlinesVLM W Hotels WelcomGroup Hotels Welding Repair Wellesley Inns Westin (Westin Hotels) Whiskey Petes Hotel and Casino Wholesale Clubs Wideroes FlyveselskapWIDEROES Wig and Toupee Shops Wilderness Hotel and Golf Resort Windward IslandWINDWARD Womens Accessory and Specialty Stores Womens Ready to Wear Stores Woodside Hotels and Resorts WyndhamWYNDHAM Wynn Las Vegas

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Table 8.2: Merchant Type Codes Alphabetical Order (cont.)


Code 3094 Zambia AirwaysZAMBIA A
* Denotes wholesale distributors and manufacturers.

Description

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Chapter 9

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Data Element 039: Response Codes

Table 9.1: Valid Response Codes


Response Code 00 01 02 Approved Refer to Card Issuer Refer to Card Issuer, special condition Invalid merchant Pick-up Do not honor Error * Used for Network Management messages (08xx). Description Notes Processed as an approval.

03 04 05 06

07 08

Pick up card, special conditions Honor w/ID


Processed as an approval. Unsupported for STAR networks, may be used by other networks. Processing will be governed by other networks rules.

09

Request in progress

Used for Network Management messages (08xx). Valid for POS transaction repsonses (provided the aquiring network supports partial amount approvals).

10

Approved for Partial Amount

11

Transaction Approved (VIP)

Processed as an approval. Unsupported for STAR networks, may be used by other networks. Processing will be governed by other networks rules.

12 13 14

Invalid transaction Invalid amount Invalid card number (no such number)

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Table 9.1: Valid Response Codes (cont.)


Response Code 15 16 Description No such Issuer * Approved, Track 3 Updated

Notes

Unsupported for STAR networks, may be used by other networks. Processing will be governed by other networks rules. Processed as an approval.

19 20 23 24

Re-enter transaction Invalid response Unacceptable transaction fee File update not supported by receiver Unable to locate record on file Used only for Negative File Updates (0312).

25

Negative File Updates (0312). Card Activation (0382). Negative File Updates (0312). Card Activation (0382).

26

Duplicate file update record

27

File update edit error

Used only for Negative File Updates (0312). Used only for Negative File Updates (0312).

28

File update file locked out

29

File update not successful, contact Acquirer

Negative File Updates (0312). Card Activation (0382).

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Table 9.1: Valid Response Codes (cont.)


Response Code 30 Description Format error *

Notes The STAR Switch will return a Response Code 30 in its 0110/0210 reply to an acquirer when the request fails to pass required STAR edits. The field number in error will be provided in DE 044, Additional Response Data. The transaction will be logged as an exception so will not appear in user files or reports. The STAR Switch will send a 0420 reversal with a Response Code 30 to an issuer when the 0110/0210 response fails to pass required STAR edits. If an Issuer processor generates a Response Code 30, then ISO DE 044, Additional Response Data, is required.

31 33 34 35

Bank not supported by switch * Expired card (Capture) Suspected fraud (Capture) Card acceptor contact Acquirer (Capture) Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.

36 37

Restricted card (Capture) Card acceptor, call Acquirer security (Capture) Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.

38

Allowable PIN tries exceeded (Capture) No credit account Requested function not supported Lost card, fraud (Capture) No universal account Stolen card (Capture)

39 40 41 42 43

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Table 9.1: Valid Response Codes (cont.)


Response Code 44 51 52 53 54 55 56 57 Description No investment account Not sufficient funds No checking account No savings account Expired card Incorrect PIN No card record Transaction not permitted to cardholder Transaction not permitted to terminal Suspected fraud Card acceptor contact Acquirer Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules. Notes

58

59 60

61 62 63 65 66

Exceeds withdrawal amount limit Restricted card Security violation Exceeds withdrawal frequency limit Card acceptor call Acquirer's security department Unsupported for STARnetwork, may be used by other networks. Processing will be governed by other networks rules.

67 68

Hard capture Late Response Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.

75

Allowable PIN tries exceeded

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Table 9.1: Valid Response Codes (cont.)


Response Code 76 Description Key sync error *

Notes May appear as an 05 on Settlement Reports. Used for Network Management messages (08xx). STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR to do so.

78 80 81

Cardholder not eligible for POS Private use (Stale dated transaction) Issuer not available to authorize

STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR Network to do so.

82

Count exceeds limit (valid only for VisaNet Issuers)

Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules. Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules. Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.

84

Time for pre-authorization reached (Only valid for Interlink Issuers)

86

Cannot verify PIN (valid only for VisaNet Issuers)

87 88 89

Duplicate Information not on file Card Validation failure (CVC/CVV)

STAR SE/W Platform: Track 1 or Track 2 STAR NE Platform: Track 1

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Table 9.1: Valid Response Codes (cont.)


Response Code 90 Description STAR SE/W Platform:

Notes

Cutoff in progress

STAR NE Platform:

Card Validation failure (CVC/CVV)

Track 2 STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR to do so.

91

Issuer inoperative

92 93

FI cannot be found for routing * Transaction cannot be completed, violation of law Duplication transmission Reconcile error System malfunction Used for Network Management messages. STAR NE Platform only.

94 95 96

98

Card Validation failure (CVC2/CVV2) - Trackless Transactions Card Validation failure (CVC3/CVV3) Invalid voucher ID Invalid authorization number Phone card approved Phone card denied CVC3/dCVV failure Unmatched voucher information Expiration date mismatch - no capture Inactive Card Expiration date mismatch capture card

99 A1 A2 AM PF R4 S7 S9

STAR NE Platform only. STAR SE/W Platform only. STAR SE/W Platform only. STAR NE Platform only. STAR NE Platform only. STAR SE/W Platform only. STAR SE/W Platform only.

SA SB

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Table 9.1: Valid Response Codes (cont.)


Response Code SC SD SE SF SG SH SI SM SR Description Item suspected for stop pay Acct closed Ineligible account Item submitted more than two times No acct on file Unable to locate General Denial Transaction limit exceeded Card Validation (CVC2/CVV2) Failure -or3-D Secure (MC Secure Code AAV/ VISA CAVV) Failure SP T3 T4 T5 T6 T7 TG TS Special conditions (no capture) Lost card (no capture) Closed account Dormant account Special conditions (no capture) ATC Failure Reserved for Future Use Suspected Fraud STAR SE/W platform only. STAR SE/W platform only. STAR SE/W platform only. STAR SE/W platform only. STAR NE platform only. STAR NE platform only. STAR SE/W platform only. STAR SE/W platform only. Notes

* These codes are those for which the Acquirer Processor will receive no interchange fee and the Card-Issuer Processor will not be charged an interchange fee or a Switch fee. The no-fee designation applies only to STAR SE/W transactions when the transaction is denied by the STAR Switch. Transactions rejected by the STAR Switch can be identified by the acquirer based upon there being a value of N or 'S' in Authorization Response Code (DE 038) of the 0110/0210 response message.

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Data Element 054: Additional Amounts


Overview
Data Element 054, Additional Amounts, is used to clarify the following:

Balances: Used to provide varying balance and credit line amounts. Required for balance inquiry responses; optional in responses to other transaction types. Deposits: Used to support verified and unverified, cashed check and cash deposits (Amount Types 92, 93, 94, and 95). Partial Amount Authorization:

For PIN-based POS pre-authorization transactions for Processors using the original partial authorization methodology, this data element is used in 0110 responses to convey the authorized amount (Amount Type = 58). For all stand-alone POS purchase transactions, and for POS pre-authorization transactions for Processors using the new partial authorization methodology, this data element is used in 0110/0210 responses to convey the amount of the original request (Amount Type = '91').

Point of Banking: Used to convey the composition of a deposit for a POB deposit (Amount Types 42 and 43). POS Cash Back Support: Amount of cash given to customer required if cash back is given. If POS is only used for cash back, the entire amount of the transaction must be represented as cash in DE 054 (Amount Type = 40). Pre-authorized Amount Completion: For a PIN-based POS pre-authorized transaction completion, this data element is used in the 022x completion to convey the original authorized amount from the 0110 message (Amount Type = 57). Quasi-cash and Scrip: Acquirer processors who sell items that can be negotiable for cash (money orders, postal orders, gaming chips, POS scrip, etc.), must present the total dollar amount of the negotiable items (as conveyed in DE 004) in DE 054. Amount Type in DE 054 must be set to 40 (cash back). This must be present in all request, advice, and reversal messages.

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Account Balance Handling

STARrecommends that Card-Issuer Processors return either a ledger or available account balance. Card-Issuer Processors shall not transmit through the STAR Network any positive Available Balance or POS Balance that includes amounts available through an overdraft protection program, other than a line of credit that is subject to Regulation Z, in response to an Authorization request for a Balance Inquiry or for any other purpose. STAR Card-Issuer Processors may return negative account balance information. STAR Acquirer Processors have the option to print or display the negative value or change this to a zero balance. STAR Acquirer Processors are only required to print or display one balance on a withdrawal or balance inquiry transaction. STAR POS Acquirer Processors are not allowed to display or print balances on purchase transactions. STAR Acquirer Processors that receive approvals (DE 039 response code 00) should not override (disallow) the withdrawal or purchase based upon balances received in DE 054.

Partial Amount Authorization STAR SE/W Platform


If the STAR SE/W card-issuer processor supports the new partial authorization methodology, then for a pre-authorization reply (0110) or purchase reply (0210) for a transaction for which sufficient funds are not available to accommodate the full transaction amount (DE 004) requested, the Issuer Processor may return the available balance or available limit in DE 004 and the original transaction amount in DE 054 using Amount Type '91'. If the STAR SE/W card-issuer processor does not support the new partial authorization methodology, then for a pre-authorization reply (0110) for a transaction for which sufficient funds are not available to accommodate the full transaction amount (DE 004) requested, the Issuer Processor should return the available balance or available limit in DE 054 using Amount Type = '58'. Note that STAR SE/W does not support partial authorization of purchase transactions using the old partial authorization methodology.

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For either methodology Response Code (DE 039) must be set to '10'. A Card-Issuer Processor must not return a partial authorization response if the available balance or available limit is:

Equal to or greater than DE 004; Equal to zero; OR Negative.

If zeros or a negative partial authorization amount is transmitted in the response, the transaction response code will be changed to a '13' (invalid amount) response code.

STAR NE Platform
On a pre-authorization reply (0110) or purchase reply (0210) for a transaction for which sufficient funds are not available to accommodate the full transaction amount (DE 004) requested, the STAR NE POS Card-Issuer Processor should return the available balance or available limit in DE 054 using Amount Type '58'. Response Code (DE 039) must be set to '10'. A Card-Issuer Processor must not return Amount Type '58' in DE 054 if the available balance or available limit is:

Equal to or greater than DE 004, with the following exceptions:

Automated Fuel Pump (AFD) preauthorization (DE 018 = 5542) in which the cardholder's balance is below the standard AFD floor limit. Visa Prestigious Properties preauthorization in which the cardholder's balance is below the authorization limit indicated by the Prestigious Properties Indicator in DE 127. For a description of this field refer to the section entitled "Visa Check: STAR NE Platform Format" in Chapter 7 of the STAR ISO 8583 Gateway Product Interface Guide. For either of these scenarios, the issuer may return a partial authorization with authorized amount greater than the requested amount and less than the indicated floor limit.

Equal to zero. Negative.

If zeros or a negative amount are transmitted in DE 054 using Amount Type '58' in a response for a lesser amount, the transaction response code will be changed to a '51' (not sufficient funds) response code.

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On a pre-authorization reply (0110) for a transaction for which sufficient funds are not available to accommodate the full transaction amount (DE 004) requested, STAR POS Card-Issuer Processor should return the available balance or available limit in DE 054 using Amount Type = 58. Response Code (DE 039) must be set to 10. A Card-Issuer Processor must not return Amount Type 58 in DE 054 if the available balance of available limit is:

Equal to or greater than DE 004; Equal to zero; OR Negative.

If zeros or a negative amount are transmitted in DE 054 using Amount Type 58 in a response for a lesser amount, the transaction response code will be changed to a '13' (invalid amount) response code.

Pre-authorized Amount Completion


On a pre-authorized transaction completion (0220), DE 054, Amount Type 57 must contain the pre-authorized amount from the pre-authorization reply (0110). There must never be more than one pre-authorized amount in DE 054.

Account Type
Positions 1 and 2 of each amount give the ISO code that defines the Account Type: Table 10.1: Account Type
Value 00 10 20 30 09 Default Savings Account Checking Account Credit Account Other Account Description

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Amount Type
Positions 3 and 4 give the ISO code that defines the Amount Type: Table 10.2: Amount Type
Value 00 01 Description Unspecified Account Ledger Balance Account Available Balance Credit Line POS Balance Amount Remaining This Cycle Amount of Cash or Negotiable Items Given to the Customer (Cash Back) Message Types 0110, 0210 0110, 0210 STAR NE Comments STAR SE/W Comments

02

0110, 0210

16 17 20

0110, 0210 0110, 0210 0110, 0210

40

010x, 020x, 0210, 022x, 042x

Required if cash is given with transaction (cash back). Required if Negotiable Items (items that can be negotiable for cashe.g., money orders, postal orders, gaming chips and POS scrip) are given with the transaction. If the point of sale transaction is used only for cash or negotiable items, the entire amount of the transaction must be represented as Cash or Negotiable Items Given to the Customer. Amount (positions 8-20) must equal 004 Amount, Transaction. Fees, if any, should not be included. Not Available.

42

Check Amount

020x, 022x, 042x

Used to support Point of Banking deposit transactions. Used to support Point of Banking deposit transactions.

43

Cash Amount

020x, 022x, 042x

Not Available.

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Table 10.2: Amount Type (cont.)


Value 57 Description Pre-authorized Amount Message Types 022x, 042x STAR NE Comments Not Available. STAR SE/W Comments The amount should be equal to the amount that was authorized in the 0110 pre-authorization response (which may be an amount of less than the requested amount). Used for POS pre-authorization transactions, for Processors using the original partial authorization methodology, to convey the authorized amount. For partial amount authorizations for all stand-alone POS purchase transactions, and for POS pre-authorization transactions for Processors using the new partial authorization methodology, this data element is to convey the amount of the original request. Not Available.

58

Authorized Amount

0110, 0210

Used for POS pre-authorization and purchase transactions to convey the authorized amount.

91

Amount of original request

0110, 0210

Not available

92

Check Amount, verified check deposit

020x, 022x, 042x

Used to support verified check deposit transactions.

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Table 10.2: Amount Type (cont.)


Value 93 Description Cash Amount, verified cash deposit (STAR NE Platform) Cash Deposit Amount (STAR SE/ W Platform) 94 Cash Amount, unverified cash deposit (STARNE Platform) Check Deposit Amount (STAR SE/ W Platform) 95 Check Amount, unverified check deposit 020x, 022x, 042x Used to support unverified check deposit transactions. Not Available. 020x, 022x, 042x Used to support unverified cash deposit transactions Message Types 020x, 022x, 042x STAR NE Comments Used to support verified cash deposit transactions. STAR SE/W Comments

Currency Code
Processors should query the currency code field in each occurrence of an additional amount, as occurrences with non-US values may be present.

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Amount
Positions 8-20 reflect the sign and the specific amount:
X + n12 X = sign indicator

nnnnnnnnnnnn = amount

Right-justified, zero-filled Assumes 2 decimal places for US dollar amounts

For balances: positive or zero balance For fees: credit to the cardholder or issuer

For balances: negative balance For fees: debit to the cardholder or issuer

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Data Element 058: National Point of Service


DE 058 - Position 1: Terminal Operation
Table 11.1: DE 058 Position 1: Terminal Operation
ISO Code 0 1 Attended Unattended Description

DE 058 - Position 2: Customer Operation


Table 11.2: DE 058 Position 2: Customer Operation
ISO Code 0 1 2 Customer Operated Merchant Operated Administrative Description

DE 058 - Position 3: On/Off Premise


Table 11.3: DE 058 Position 3: On/Off Premise
ISO Code 0 1 On Premise Off Premise Description

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DE 058 - Position 4: Cardholder Present


Table 11.4: DE 058 Position 4: Cardholder Present
ISO Code 0 1 2 3 4 8* Customer present Customer not present Customer not present, mail order Customer not present, telephone order Customer not present, standing order, recurring payment

Description

Pre-authorized purchase All Acquirer Processors who submit 022x transactions preceded by an approved 0100/0110 must set the present type as 88. Original present type information can be gained from the 0100/0110 message.

DE 058 - Position 5: Card Present


Table 11.5: DE 058 Position 5: Card Present
ISO Code 0 1 8* Card present Card not present

Description

Pre-authorized purchase All Acquirer Processors who submit 022x transactions preceded by an approved 0100/0110 must set the present type as 88. Original present type information can be gained from the 0100/0110 message.

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DE 058 Position 6: Device Card Retention


Card retention at the ATM is optional for STAR Acquirer Processors. If an Acquirer Processor has elected to capture ATM cards based on the receipt of a card capture response code from the Card-Issuer Processor, the Acquirer Processor must send DE 058 with position 6 set to a '1' in the 0200 request. Table 11.6: DE 058 Position 6: Device Card Retention
ISO Code 0 1 Description Point of service device does not have card retention capabilities Point of service device has card retention capabilities

DE 058 Position 7: Transaction Disposition


See Chapter 2: Operational Considerations and STAR Processing, Inc. STAR Network Operating Rules manual for additional information concerning Merchant Authorized Transactions and resubmission processing. Table 11.7: DE 058 Position 7: Transaction Disposition
ISO Code 0 4 5 7 Original Presentment Previously authorized request (merchant Stand-in) Resubmit (merchant Stand-in resubmission) Reapplies (STAR NE Platform only). See the CMA User Guide for additional information. Description

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DE 058 Position 8: Security Condition


Table 11.8: DE 058 Position 8: Security Condition
ISO Code 0 1* 2* 3* 4* 5* 6* 7* 8 No security concern Suspected fraud Identification verified Electronic commerce transaction with digital signature Electronic commerce transaction Nonsecure/Security unknown Electronic transaction Secure, with cardholder certificate Electronic transaction Secure, without cardholder certificate Electronic commerce transaction Channel-encrypted CVC/CVC2/CVC3, CVV/CVV2/CVV3 Verification = Pass or Successful Verification CVC/CVC2/CVC3, CVV/CVV2/CVV3 Verification = Fail or Unsuccessful Verification Description

* Supported on the STAR SE/W Platforms only.

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DE 058 Position 9-10: Terminal Type


Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. Table 11.9: Position 9-10: Terminal Type
ISO Code 00 01 Description Administrative terminal POS terminal Acquirer Processors supporting POS transactions from ATM devices (to dispense stamps, travelers checks, etc.) must use '02' as the Terminal Type. Notes

02 03

ATM terminal Home terminal

Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors are not allowed to generate these Terminal Types.

04 05

ECR Call Center Operator

Electronic Cash Register


For Bill Payment transactions. Card-Issuer Processors must support this value. Card-Issuer Processors participating with American Express will receive this terminal type. This terminal type is not valid for STAR ATM or POS Acquirer Processors.

06

Travelers check machine

07 08

Fuel Machine POS Scrip machine POS Acquirer Processors must use terminal type of 08 when initiating a balance inquiry. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value.

09 10 11 12 13

Coupon machine Ticket machine Point of Banking terminal Teller Franchise teller

STAR SE/W Acquirers may not send this value.

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Table 11.9: Position 9-10: Terminal Type (cont.)


ISO Code Description Notes

14 15 16 17 18 19

Personal banking Public utility Vending Self-service Authorization Payment

STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value.

Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors may not generate these terminal types. Not available on the STAR SE/W Platforms. For bill payment transactions. Card-Issuer Processors must support this value. Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors may not generate these terminal types. Not available on the STAR SE/W Platforms. Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors may not generate these terminal types. Not available on the STAR SE/W Platforms. For bill payment transactions. Card-Issuer Processors must support this value.

20

VRU unit

21

Mobile Banking

24

Screen Phone

25

Internet Terminal

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Table 11.9: Position 9-10: Terminal Type (cont.)


ISO Code 26 Description MICR terminal at POS

Notes Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways.

Sample STAR ISO Acquirer P-58 Combinations


This is not a comprehensive list of combinations. These combinations have been created as an example. Table 11.10: Sample STAR ISO Acquirer P-58 Combinations
Positions 0000000001 0010000001 0100000001 0110000001 1000000001 1010000001 1100000001 1110000001 0000004001 0010004001 0100004001 1000004001 1100004001 0000005001 0010005001 0100005001 0110005001 1000005001 1010005001 Device Name ECR Generic ECR Generic ECR Generic ECR Generic ECR Generic ECR Generic ECR Generic ECR Generic Merch Auth ECR Generic Merch Auth ECR Generic Merch Auth ECR Generic Merch Auth ECR Generic Merch Auth ECR Generic Resubmission ECR Generic Resubmission ECR Generic Resubmission ECR Generic Resubmission ECR Generic Resubmission ECR Generic Resubmission ECR Generic Positions 1010010002 0000000004 0010000004 0100000004 0110000004 1000000004 1010000004 1100000004 1110000004 0001104004 0011104004 0101104004 0111104004 1001104004 1011104004 1101104004 1111104004 0001105004 0011105004 Device Name ATM Off-Premise ECR ECR ECR ECR ECR ECR ECR ECR Merch Auth ECR Merch Auth ECR Merch Auth ECR Merch Auth ECR Merch Auth ECR Merch Auth ECR Merch Auth ECR Merch Auth ECR ECR Resubmission ECR Resubmission

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Table 11.10: Sample STAR ISO Acquirer P-58 Combinations (cont.)


Positions 1100005001 1110005001 1000000002 1000010002 1010000002 1111105004 0113100005 Device Name Resubmission ECR Generic Resubmission ECR Generic ATM On-Premise ATM On-Premise ATM Off-Premise ECR Resubmission Call Center-acquired STAR Bill Payment Fuel Dispense Fuel Dispense Fuel Dispense Fuel Dispense Fuel Dispense Fuel Dispense Fuel Dispense Fuel Dispense Merch Auth Fuel Disp Merch Auth Fuel Disp Merch Auth Fuel Disp Merch Auth Fuel Disp Merch Auth Fuel Disp Resubmission Fuel Disp Resubmission Fuel Disp Resubmission Fuel Disp Resubmission Fuel Disp Resubmission Fuel Disp Positions 0101105004 0111105004 1001105004 1011105004 1101105004 0000000008 0010000008 Device Name ECR Resubmission ECR Resubmission ECR Resubmission ECR Resubmission ECR Resubmission Scrip Terminal Scrip Terminal

0000000007 0010000007 0100000007 0110000007 1000000007 1010000007 1100000007 1110000007 0001104007 0101104007 0111104007 1101104007 1111104007 0001105007 0011105007 0101105007 0111105007 1001105007

0100000008 0110000008 1000000008 1010000008 1100000008 1110000008 0000004008 0010004008 0100004008 0110004008 1000004008 1010004008 1100004008 1110004008 0000005008 0010005008 0100005008 0110005008

Scrip Terminal Scrip Terminal Scrip Terminal Scrip Terminal Scrip Terminal Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal

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Table 11.10: Sample STAR ISO Acquirer P-58 Combinations (cont.)


Positions 1011105007 1101105007 1111105007 0011104007 1001104007 Device Name Resubmission Fuel Disp Resubmission Fuel Disp Resubmission Fuel Disp Merch Auth Fuel Disp Merch Auth Fuel Disp Positions 1000005008 1010005008 1100005008 1110005008 1010100020 Device Name Resubmission Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal VRU-acquired STAR Bill Payment Internet-acquired STAR Bill Payment

1011104007

Merch Auth Fuel Disp

1010100025

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Chapter 12

334

Data Element 060: Advice/Reversal Reason Code


Reversal Reason
In general, Position 1 identifies who reversed the given transaction; Position 2 gives the reason for the reversal. Table 12.1: DE 060 Reversal Reason Code Values Position 1
Value 0 1 Not a reversal Card acceptor originated reversal (generated by Indirect Acquirer Processor or terminal) Acquirer Processor originated reversal Intermediate facility originated reversal (STAR Switch initiated only) Customer declined Overdraft reversal. Reserved. STAR NE switch-originated reversal (used with reversals of foreign deposit request/reply transactions) Description

2 3 4 5-8 9

Table 12.2: DE 060 Reversal Reason Code Values Position 2


Position 1 Value(s) 0 1-3 1-3 1-3 1-3 1-3 1-3 1-3 1 Position 2 Value 0 2 3 4 5 6 7 8 F Not a reversal Terminal processor error System timeout Terminal Over- or Under-Dispense Terminal communication error Terminal error Late or unsolicited response Reversal/customer cancellation Partial reversal to convey new calculated fee Description

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Table 12.2: DE 060 Reversal Reason Code Values Position 2


Position 1 Value(s) 3 4 Position 2 Value 0 8 Description Edit error in response message Customer cancellation at the device due to non-acceptance of overdraft fee (STAR NE only) Reversal for late response to a withdrawal with an overdraft fee (STAR NE only) Reversal/customer cancellation of foreign deposit (STAR NE only)

STAR Card Issuer Processors transmitting 0110 or 0210 responses that fail STAR Switch data element edits will receive a 0420 reversal message with a reversal reason code of 30

Advice Reason
In general, position 1 indicates who stood in for this transaction; Position 2 values indicate why the transaction stand-in occurred. Table 12.3: DE 060 Advice Reason Code Values Position 1
Value 0 1 2 3 4-8 9 Not an advice Card acceptor-originated advice Acquirer-originated advice Stand-in agent-originated advice (usually STAR switch-originated) Reserved Issuer-request stand in advice or STAR Transaction Services denial advice (STAR NE Platform only) Invalid ATC denial advice (STAR NE Platform only) Card Validation Threshold Service denial advice (STAR NE platform only). Foreign deposit advice (STAR NE Platform only) Description

A C D

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Table 12.4: DE 060 Advice Reason Code Values Position 2


Position 1 Value(s) 0 1-3 1-3 1-3 1-3 1-3 Position 2 Value 0 1 2 3 4 5 Not an advice Timed out request message Issuer not available (in delay) Issuer signed off (logged off) Within business agreement POS alternate authorization (not applicable to STAR transactions) POS Merchant authorization (not applicable to STAR transactions) POS switch authorized under floor limit (not applicable to STAR transactions) Encryption key not established Issuer-requested stand-in (STAR SE/W platform only) Issuer-requested stand-in (STAR NE platform only) STAR Transaction Services Denial (STAR NE platform only) Invalid ATC denial advice (STAR NE platform only) Foreign Deposit advice (STAR NE platform only) Possible Duplicate Advice (STAR NE platform only) Card Validation Threshold Service denial advice (STAR NE platform only). Description

1-3

1-3

1-3 3 9 9 A D P C

8 9 1 2 T P D V

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Chapter 13

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Data Element 104: Transaction Description Interchange Group Identifier Values


The following table lists the current values for the STAR Interchange Group. Position 1 S D B Q 2 3 Description ATM and all other merchant types ATM and all other merchant types ATM and all other merchant types ATM and all other merchant types Special ATM and all other merchant types Special Available attribute and Net Enhance is targeted K Balance Inquiry (PINless) Bill Pay (current established rate) Special D E F D H G Bill Payment Bill Payment Bill Payment Bill Payment - Financial Services - Special Bill Payment - recurring Bill Payment (PINned) Interchange Group 1 2 3 2

9 B 8

A A A B A B

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Position 1 A A A A A A A A 2 2 3 4 5 6 7 X Q 3 Description Contactless All other merchant <$25. Contactless All other merchant <$25. Contactless All other merchant <$25. Contactless All other merchant >$25. Contactless All other merchant >$25. Contactless All other merchant >$25. Contactless Medical Merchant <$15 Contactless Grocery & Wholesale Club Merchants <$25 Contactless Grocery & Wholesale Club Merchants <$25 Contactless Grocery & Wholesale Club Merchants <$25 Contactless Grocery & Wholesale Club Merchants >$25 Contactless Grocery & Wholesale Club Merchants >$25

Interchange Group 1 2 3 1 2 3

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Position 1 A 2 W 3 Description Contactless Grocery & Wholesale Club Merchants >$25 Contactless petroleum merchant <$25. Contactless petroleum merchant <$25. Contactless petroleum merchant <$25. Contactless petroleum merchant >$25. Contactless petroleum merchant >$25. Contactless petroleum merchant >$25. Contactless Quick service restaurant <$25. Contactless Quick service restaurant >$25. Contactless Small Ticket Merchant e-Commerce e-Commerce eCommerce Refund Emerging Bill Payment Emerging Bill Payment I Expedited Bill Payment

Interchange Group 3

A A A B B B A

8 9 0 A B C Z

1 2 3 1 2 3

A A A B 1 Z A

Y M N I

Call Center VRU Internet

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Position 1 B A X A H P C A N Y A 6 L K I 2 S C 2 J P 3 Description Funds Transfer Credit (PINned) Funds Transfer Debit Funds Transfer Debit Special Funds Transfer Debit (PINned) Grocery 1B (Target) Special Grocery and Wholesale Club Grocery and Wholesale Club Grocery and Wholesale Club Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Interbank/Funds Transfer (credit side) Internet eSign Medical

Interchange Group

1 2 3 1 2 2 3 4

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Position 1 A A 0 A A O R V T F G A E A B B A N M B O G 2 J K 3 Description Mobile Payments Mobile Payments Not Used - Value Concerns Online Refund Pay at Table Petroleum Petroleum Petroleum Petroleum - Special Petroleum - Special Petroleum - Special Pre-Paid Load Transaction Project Coronado Project Coronado - 2 Purchase (PINless) Purchase (PINless) with Preauthorization & Completion QSR Quick Service Restaurant E QSR Quick Service Restaurant - Special Reserved for Northeast Reserved for Northeast

Interchange Group

1 2 3 2

U B 4 5

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Position 1 3 7 W J B B A B L H L F 2 3 Description Small Ticket Special Bill Pay (sic 4900) Standard Bill Payment Standard Bill Payment Transaction History (PINless) Transaction Refund Verification Transaction WEB Micropayments

Interchange Group

Call Center VRU Internet

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Chapter 14

343

Data Element 105: Large Private Data


DE 105 is a general-purpose data element. Its format is determined by an issuer who has a need to convey large amounts of data for a particular purpose. Currently, DE 105 has defined formats for the following purposes:

POS payment transactions Account List Inquiry transactions Account Balance Profile transactions Enhanced Balance on Receipt

POS Payment Transactions


The first of these uses for DE 105 is product-related, and therefore is covered in the STAR ISO 8583 Gateway/Product Interface Guide.

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Account List Inquiry


105 Large Private Data Account List Inquiry Data
STAR Element Format Definition Message Type Acquirer/Issuer

LLLV AN185 Contains data in response to an Account List Inquiry message that lists cardholder accounts. Disposition Condition

0110

Conditional

Mandatory when processing code is 35 xx 00. Length 2 Field Message Occurrence Description Sequence number of this message. Total number of messages to complete the ABI request. Total number of items in all messages. Number of items in this message.

Format Fixed Segment

Position 1-2

3-4

Total Number of Messages

5-7

Total Number of Items

8-9

Number of Items Here

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105 Large Private Data Account List Inquiry Data (cont.)


Data Detail Segment (Segment may repeat.) 1-3 3 Account Qualifier Indicates the account type and sequence number of the account specified in this entry. Format: NSS where N is one of these values:

1 = Checking 2 = Savings 3 = Credit 4 = Other

SS is the sequence number of the account. Valid values are 01 through 99. A value of 01 indicates that this is the primary account of the type indicated. 4-22 19 Account Description Data from the account.

The Data Detail segment can occur up to 8 times, totaling 176 bytes maximum. For all ALI transactions, at least one occurrence of the Detail segment must follow the Fixed segment, beginning in position 10 of DE 105. Because there may be several occurrences, the position numbers given above are relative to the segment.

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Account Balance Profile


105 Large Private Data Account Balance Profile Data
STAR Element Format Definition Message Type Acquirer/ Issuer

LLLV AN518 Contains data related to ATM Account Balance Profile requests on cardholder accounts. Disposition Condition

0200

Conditional

Mandatory for co-op processors when processing code is 39 xx 00. Mandatory when processing code is 39 xx 00.

0210

Conditional

Format Fixed Segment Position 1-2 Length 2 Field Number of Items Description Number of items in this message. Valid values are any in the range 01 through 12.

Data Detail Segment (Segment may repeat. Position 1 Length 1 Field Balance 1 Indicator Description A code indicating whether Balance Amount that immediately follows is to be printed. Values:

Y = Balance Amount is to be used N = Balance Amount is not applicable

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105 Large Private Data Account Balance Profile Data (cont.)


2-10 9 Balance 1 Amount The decimal balance amount. If Balance Indicator contains a Y, the amount is formatted as follows: -NNNNNNNN where - is a high-order negative sign, followed by an 8-digit ($$$$$$DD) negative amount OR NNNNNNNNN a 9-digit ($$$$$$$DD) positive amount. 11 1 Balance 2 Indicator See Balance 1 Indicator. See Balance 1 Amount.

12-20

Balance 2 Amount

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105 Large Private Data Account Balance Profile Data (cont.)


21-23 3 Account Qualifier Indicates the type of account and the sequence number of the account specified in this entry. Format: NSS where N is one of the following values:

1 = Checking 2 = Savings 3 = Credit 4 = Other

SS is the sequence number of the account. Valid values are 01 through 99. A value of 01 indicates that this is the primary account of the type indicated. 24-42 19 Account Number The cardholder account number. The cardholder account type.

43

Account Type

Processing Rules

For processors supporting packed numeric fields: Because the data for this transaction may exceed 255 bytes, if the numeric packing option is enabled, the variable length indicator for DE 105 (for this transaction only) will be 2-byte binary rather than the standard 1-byte binary.

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The Data Detail segment can occur up to 12 times, totaling 516 bytes maximum. For ABP transactions, at least one occurrence of the Detail segment must follow the Fixed segment, beginning in position 3 of DE 105. Because there may be multiple occurrences, the position numbers given above are relative to the segment. The number of occurrences of the Detail segment must match the value specified in the Number of Items field in the Fixed segment. For requests to co-op processors, the Detail segment will contain the account numbers and qualifiers of the accounts for which balances are requested.

Enhanced Balance on Receipt


105 Large Private Data Enhanced Balance on Receipt
STAR Element Format Definition LLLV ANS-255 Defines up to four balances on ATM receipt. This is a general purpose data element. It has other usages with different formats. See Chapter 4 of the STAR ISO 8583 Message Format Guide for details. Message Type Acquirer / Issuer

Disposition

Condition

020x

Optional

Required with Enhanced Balance feature, to indicate Issuer and ATM compatibility with the feature. Required with Enhanced Balance feature, to return the enhanced balance data. Name Foreign Language Indicator (1 an)

021x

Optional

Format

Position 1

Description Value = E (English) Sent in the 0200, must be echoed in the 0210 reply In the 0200, this position is the only one sent (element format is ANS-1)

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105 Large Private Data Enhanced Balance on Receipt (cont.)


2-3 Receipt Text Indicator (2 an)

00 - 99 Cross references to database value for receipt message text 00 or spaces = text is not supported

4-15

Balance 1 Amount (12 n)

$$$$$$$$$$$$DD (where DD = decimal) Label text identifying 1st Amount $$$$$$$$$$$$DD (where DD = decimal) Label text identifying 2nd Amount $$$$$$$$$$$$DD (where DD = decimal) Label text identifying 3rd Amount $$$$$$$$$$$$DD (where DD = decimal) Label text identifying 4th Amount

16-37

Balance 1 Descriptor (22 an) Balance 2 Amount (12 n)

38-49

50-71

Balance 2 Descriptor (22 an) Balance 3 Amount (12 n)

72-83

84-105

Balance 3 Descriptor (22 an) Balance 4 Amount (12 n)

106-117

118-139

Balance 4 Descriptor (22 an)

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105 Large Private Data Enhanced Balance on Receipt (cont.)


Processing Rules

Foreign language indicator must be echoed in the 0210 reply. If Receipt Text Indicator is returned as 00 or spaces in the 0210, Receipt Message Text will not be printed. If the Issuer populates the Receipt Text Indicator, and does not populate the new balance descriptor / amount fields, the standard balances (from DE 054) are displayed. Balance presentation must be contiguous. Balance Amount fields must have leading zeros. All balances provided must have a descriptor. Negative balance amounts are permitted. The negative sign is placed to the left of the negative balance amount. An example: -1234.99 Positive Balance Amount fields are up to 12 positions ($$$$$$$$$$DD). Negative Balance Amounts are up to 11 positions plus the negative sign (-$$$$$$$$$DD)

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Chapter 15

352

Data Element 121: Additional Data, Private Issuer


DE 121 is a multi-purpose data element conveying issuer-specific data that may vary by transaction type, product, or network. DE 121 has defined formats for the following purposes:

Statement Processing transactions covered in this chapter. MasterCard and/or Visa-issuer transactions see Chapter 9 of the STAR ISO 8583 Gateway/Product Interface Guide. STAR MasterCard Signature Debit transactions (Merchant Advice Codes) see Chapter 9 of the STAR ISO 8583 Gateway/Product Interface Guide.

Statement Processing
DE 121 for statement processing consists of segments that may or may not be present based on message and/or statement request type. The Statement Data Fixed Segment is required for statement request (0200) and reply (0210) messages. The Statement Reply Fixed Segment is required for reply messages. All other segments are conditional for reply messages only.

0200 Message Statement Data Request


121Additional Data, Private Issuer Statement Data Request
STAR Element Format Definition Message Type Acquirer/Issuer

LLLV ANS 32 Used to request statement data. Disposition Condition

0200

Conditional

Mandatory when processing code is 91 xx 00.

Values Processing Rules

See DE 121Statement Data Fixed Segment section for values.

The original request indicates to the issuer the type of reply data the acquirer supports. In the request, if Header/Trailer Indicator (position 32) = Y, the header/trailer information may be supplied. In the request, the acquirer sets the field Message Type Qualifier and indicates the scope of data being requested.

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0210 Statement Data Reply Message


121Additional Data, Private Issuer Statement Data Reply
STAR Element Format LLLV ANS nnn

nnn = 229 Numeric packing option enabled nnn = 818 Numeric packing option disabled

Definition Message Type Acquirer/Issuer

Used to return requested statement response data. Disposition Condition

0210

Conditional

Mandatory when processing code is 91 xx 00.

Values

The Statement Data Fixed Segment must be echoed from the request message (except the account number, which must be in the reply from non-coop processors). The response data is broken into several segments, some of which may be repeated. See following sections for corresponding formats.

Processing Rules

Multiple 0210 reply messages may be required, depending on the amount of reply data to transmit. See the Reply Fixed Segment description for formatting reply message sequence number, total reply messages, etc. A single reply message may consist of full segments only. If inclusion of a segment exceeds the maximum data element length, the entire segment must be sent in the next reply message.

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DE 121 Statement Data Fixed Segment (32 Bytes)


This segment is required in all Statement Request and Reply messages. All subfields except Account Number must be echoed from the request to the reply. Table 15.1: Statement Data Fixed Segment Format
Pos 1-3 Len 3 Field From Account Qualifier

Description/Values 101 = Checking 201 = Savings 301 = Credit 401 = Other Required in requests for coop processors. Required in replies for all processors.

4-22

19

Account Number

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Table 15.1: Statement Data Fixed Segment Format (cont.)


Pos 23-30 Len 8 Field Message Type Qualifier Description/Values 23-26

ALL (note trailing space) = Issuer is to send all transactions posted since the last statement, up to the maximum value (currently 99). If there is more than the maximum number of transactions allowed per message, multiple replies will be required without the switch sending additional request messages. LAST = Issuer is to reply with the last nn transactions posted (positions 27-28).

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Table 15.1: Statement Data Fixed Segment Format (cont.)


Pos Len Field Description/Values 27-28 Number of transactions requested (nn). Space Type of transaction requested:

29 30

A = All transaction types C = Checks only D = Deposits only M = MAC/STAR transactions only

Valid values include:

LAST05 M = Last 5 MAC/STAR transactions LAST05 C = Last 5 check transactions LAST05 D = Last 5 deposit transactions LAST10 A = Last 10 transactions LAST20 A = Last 20 transactions LAST20 C = Last 20 check transactions ALL 99 A = All transaction up to 99 occurrences

31

Language

Set by the terminal:


E = English (or space as default) S = Spanish

32

Header/Trailer Indicator

Indicates whether a Header/Trailer is expected:


Y = Yes N = No

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DE 121 Reply Fixed Segment (11 Bytes)


The Reply Fixed Segment is 11 bytes in length and provides basic information about the message and its relationship to the entire reply. This segment begins in position 33 of DE 121, following the 32-byte Statement Data Fixed Segment. The position numbers given below are relative to the segment. The subsequent segments present in the message must match the Statement Composition indicator in position 11 of the Reply Fixed Segment. Table 15.2: Reply Fixed Segment Format
Pos 1 Len 1 Field Transaction Order

Description/Values C = Chronological R = Reverse chronological (last in, first out)

2-3

Message Occurrence

Sequence number of this message (01 through 99) in the reply; the value increments on each reply sent. Total number of messages to complete statement request. Total number of items in all messages. Number of items in this message.

4-5

Total Number of Messages Total Number of Items Number of Items Here Statement Composition

6-8 9-10 11

3 2 1

Type of items this message contains:


H = Header D = Detail T = Trailer

The subsequent segments present in the message must match this indicator.

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DE 121 Reply Detail Segment (31 Bytes)


The Detail Segment is 31 bytes, and holds the actual transaction data. Multiple occurrences of the Detail Segment can appear in the data element of a reply. The number of occurrences of the Detail Segment is indicated by the Number of Items Here field (positions 9-10).

If numeric packing option is disabled, occurs up to 25 times (775 bytes maximum) If numeric packing option is enabled, occurs up to 6 times (186 bytes maximum)

At least one occurrence of the 31-byte Detail Segment described below must follow the replys fixed segment, beginning in position 44. Because there may be several occurrences, the position numbers given below are relative to the segment The Detail Segment(s) must be sent in a separate message they may not be present in the same message with the Header or Trailer segments. If Header and/or Trailer messages are included in the replies, then the Detail message(s) must follow the Header message and precede the Trailer message. Table 15.3: Reply Detail Segment Format
Pos 1-4 5-20 21-29 30-31 Len 4 16 9 2 Field Transaction Date Transaction Description Transaction Amount Debit/Credit Indicator MMDD Left-justified, space-filled Right-justified, zero-filled

Description/Values

CR = Credit DR = Debit

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DE 121 Reply Header Segment (72 Bytes)


A Header Segment is optional if the Header/Trailer Indicator in the statement request message is Y. One occurrence is 72 bytes; the segment can occur up to two times, 144 bytes maximum. The first occurrence of the Header Segment begins in position 44, immediately following the Reply Fixed Segment. the position numbers shown below are relative to the segment. If a Header message is included it must be the first reply message sent. The Header Segment(s) must be sent in a separate message they may not be present in the same message with the Trailer or Detail segments. Table 15.4: Reply Header Segment Format
Pos 1-2 Len 2 Field Line Indicator

Description/Values H1 = Header line 1 H2 = Header line 2

3-72

70

Free-form Description

Left-justified, space-filled

DE 121 Reply Trailer Segment (72 Bytes)


A Trailer Segment is optional if the Header/Trailer Indicator in the statement request message is Y. One occurrence is 72 bytes; the segment can occur up to two times, 144 bytes maximum. The first occurrence of the trailer Segment begins in position 44, immediately following the Reply Fixed Segment. The Position numbers shown below are relative to the segment. If a Trailer message is included it must be the last reply message sent. The Trailer Segment(s) must be sent in a separate message they may not be present in the same message with Header or Detail segments. Table 15.5: Reply Trailer Segment Format
Pos 1-2 Len 2 Field Line Indicator

Description/Values T1 = Trailer line 1 T2 = Trailer line 2

3-72

70

Free-form Description

Left-justified, space-filled

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Chapter 16

360

Country/Currency/State Codes
Country/Currency Code
Table 16.1: ISO Country and Currency Codes
Country Codes Country or Entity Afghanistan Albania Algeria American Samoa Numeric 004 008 012 016 3-Digit Alpha AFG ALB DZA ASM 2-Digit Alpha AF AL DZ AS Currency Codes Currency Numeric 971 008 012 840 Code Alpha AFN ALL DZD USD ESP Andorra 020 AND AD 978 020 250 Angola 024 AGO AO 024 982 973 Anguilla Antarctica Antigua & Barbuda Argentina Armenia Aruba Australia Austria 660 010 028 032 051 533 036 040 AIA ATA ATG ARG ARM ABW AUS AUT AI AQ AG AR AM AW AU AT 951 EUR ADP FRF AON AOR AOA XCD Decimal Places 2 2 2 2 0 2 0 2 2 2 2 2

No universal currency 951 032 051 533 036 040 978 XCD ARS AMD AWG AUD ATS EUR AZN 2 2 2 2 2 2 2 2

Azerbaijan

031

AZE

AZ

944

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Bahamas Bahrain Bangladesh Barbados Belarus Belgium Numeric 044 048 050 052 112 056 3-Digit Alpha BHS BHR BGD BRB BLR BEL 2-Digit Alpha BS BH BD BB BY BE Currency Codes Currency Numeric 044 048 050 052 974 056 978 Belize Benin Bermuda Bhutan 084 204 060 064 BLZ BEN BMU BTN BZ BJ BM BT 084 952 060 356 064 Bolivia Bosnia and Herzegovina Botswana Bouvet Island Brazil British Indian O. Terr British Virgin Islands Brunei Darussalam Bulgaria Burkina Faso Burundi 068 070 BOL BIH BO BA 068 977 Code Alpha BSD BHD BDT BBD BYR BEF EUR BZD XOF BMD INR BTN BOB BAM Decimal Places 2 3 2 2 0 0 2 2 0 2 2 2 2 2

072 074 076 086

BWA BVT BRA IOT

BW BV BR IO

072 578 986 840

BWP NOK BRL USD

2 2 2 2

092

VGB

VG

840

USD

096 100 854 108

BRN BGR BFA BDI

BN BG BF BI

096 975 952 108

BND BGN XOF BIF

2 2 0 0

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Cambodia Cameroon United Republic of Canada Cape Verde Cayman Islands Central Africa Republic Chad Chile China Christmas Island Cocos (Keeling) Island Colombia Comoros Congo Cook Islands Costa Rica Croatia Cuba Cypress Czech Republic Democratic Republic of Congo Denmark Numeric 116 120 3-Digit Alpha KHM CMR 2-Digit Alpha KH CM Currency Codes Currency Numeric 116 950 Code Alpha KHR XAF Decimal Places 2 0

124 132 136 140

CAN CPV CYM CAF

CA CV KY CF

124 132 136 950

CAD CVE KYD XAF

2 2 2 0

148 152 156 162 166

TCD CHL CHN CXR CCK

TD CL CN CX CC

950 152 156 036 036

XAF CLP CNY AUD AUD

0 2 2 2 2

170 174 178 184 188 191 192 196 203 180

COL COM COG COK CRI HRV CUB CYP CZE COD

CO KM CG CK CR HR CU CY CZ CD

170 174 976 554 188 191 192 978 203 976

COP KMF CDF NZD CRC HRK CUP EUR CZK CDF

2 0 2 2 2 2 2 2 2 2

208

DNK

DK

208

DKK

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Djibouti Dominica Dominican Republic Ecuador Numeric 262 212 214 218 3-Digit Alpha DJI DMA DOM ECU 2-Digit Alpha DJ DM DO EC Currency Codes Currency Numeric 262 951 214 218 840 983 Egypt El Salvador 818 222 EGY SLV EG SV 818 222 840 Equatorial Guinea Eritrea 226 232 GNQ ERI GQ ER 950 230 232 Estonia Ethiopia Euro Faeroe Islands Falkland Islands -(Malvinas) Fiji Finland 233 230 N/A 234 238 EST ETH N/A FRO FLK EE ET N/A FO FK 233 230 978 208 238 Code Alpha DJF XCD DOP ECS USD ECV EGP SVC USD XAF ETB ERN EEK ETB EUR DKK FKP Decimal Places 0 2 2 2 2 2 2 2 2 0 2 2 2 2 2 2 2

242 246

FJI FIN

FJ FI

242 246 978

FJD FIM EUR FRF EUR EUR

2 2 2 2 2 2

France

250

FRA

FR

250 978

France Metropolitan

249

FXX

FX

978

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity French Guiana Numeric 254 3-Digit Alpha GUF 2-Digit Alpha GF Currency Codes Currency Numeric 250 978 French Polynesia French S. Territories 258 260 PYF ATF PF TF 953 250 978 Gabon Gambia Georgia Germany, Republic of 266 270 268 280 GAB GMB GEO DEU GA GM GE DE 950 270 981 280 Code Alpha FRF EUR XPF FRF EUR XAF GMD GEL DEM Decimal Places 2 2 0 2 2 0 2 2 2

978 Ghana Gibraltar Greece 288 292 300 GHA GIB GRC GH GI GR 936 292 300 978 Greenland Grenada Guadeloupe 304 308 312 GRL GRD GLP GL GD GP 208 951 250 978 Guam Guatemala Guinea Guinea Bissau Guyana 316 320 324 624 328 GUM GTM GIN GNB GUY GU GT GN GW GY 840 320 324 624 328

EUR GHS GIP GRD EUR DKK XCD FRF EUR USD GTQ GNF GWP GYD

2 2 2 0 2 2 2 2 2 2 2 0 2 2

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Haiti Numeric 332 3-Digit Alpha HTI 2-Digit Alpha HT Currency Codes Currency Numeric 332 840 Heard & McDonald Islands Honduras Hong Kong Hungary Iceland India Indonesia Iran Iraq Ireland 334 HMD HM 036 Code Alpha HTG USD AUD Decimal Places 2 2 2

340 344 348 352 356 360 364 368 372

HND HKG HUN ISL IND IDN IRN IRQ IRI

HN HK HU IS IN ID IR IQ IE

340 344 348 352 356 360 364 368 372 978

HNL HKD HUF ISK INR IDR IRR IQD IEP EUR ILS ITL EUR XOF

2 2 2 2 2 0 2 3 2 2 2 0 2 0

Israel Italy

376 380

ISR ITA

IL IT

376 380 978

Ivory Coast (Cote D'Ivoire) Jamaica Japan Jordan Kazakstan Kenya Kiribati

384

CIV

CI

952

388 392 400 398 404 296

JAM JPN JOR KAZ KEN KIR

JM JP JO KZ KE KI

388 392 400 398 404 036

JMD JPY JOD KZT KES AUD

2 0 3 2 2 2

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Korea, Democratic People's Korea, Republic of Kuwait Kyrgyzstan Lao People's Democratic Republic Latvia Lebanon Lesotho Numeric 408 3-Digit Alpha PRK 2-Digit Alpha KP Currency Codes Currency Numeric 408 Code Alpha KPW Decimal Places 2

410 414 417 418

KOR KWT KGZ LAO

KR KW KG LA

410 414 417 418

KRW KWD KGS LAK

0 3 2 2

428 422 426

LVA LBN LSO

LZ LB LS

428 422 710 426

LVL LBP ZAR LSL LRD LYD

2 2 2 2 2 3

Liberia Libyan Arab Jamahiriya Liechtenstein Lithuania Luxembourg

430 434

LBR LBY

LR LY

430 434

438 440 442

LIE LTU LUX

LI LT LU

756 440 442 978

CHF LTL LUF EUR MOP MKD MGA MWK MYR MVR XOF EUR

2 2 0 2 2 2 2 2 2 2 0 2

Macau Macedonia Madagascar Malawi Malaysia Maldives Mali Malta

446 807 450 454 458 462 466 470

MAC MKD MDG MWI MYS MDV MLI MLT

MO MK MG MW MY MV ML MT

446 807 969 454 458 462 952 978

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Marshall Islands Martinique Numeric 584 474 3-Digit Alpha MHL MTQ 2-Digit Alpha MH MQ Currency Codes Currency Numeric 840 250 978 Mauritania Mauritius Mayotte 478 480 175 MRT MUS MYT MR MU YT 478 480 250 978 Mexico Micronesia Moldova, Rep. of Monaco 484 583 498 492 MEX FSM MDA MCO MX FM MD MC 484 840 498 250 978 Mongolia Montenegro Montserrat Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands 496 536 500 504 508 104 518 520 524 528 MNG NTZ MSR MAR MOZ MMR NAM NRU NPL NLD MN NT MS MA MZ MM NA NR NP NL 496 978 951 504 943 104 516 036 524 528 978 Netherlands Antilles New Caledonia 530 540 ANT NCL AN NC 532 953 Code Alpha USD FRF EUR MRO MUR FRF EUR MXN USD MDL FRF EUR MNT EUR XCD MAD MZN MMK NAD AUD NPR NLG EUR ANG XPF Decimal Places 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 0

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity New Zealand Nicaragua Niger Nigeria Niue Norfolk Island Northern Mariana Islands Norway Oman Pakistan Palau Palestinian Territory, Occupied Panama Numeric 554 558 562 566 570 574 580 3-Digit Alpha NZL NIC NER NGA NIU NFK MNP 2-Digit Alpha NZ NI NE NG NU NF MP Currency Codes Currency Numeric 554 558 952 566 554 036 840 Code Alpha NZD NIO XOF NGN NZD AUD USD Decimal Places 2 2 0 2 2 2 2

578 512 586 585 275

NOR OMN PAK PLW PSE

NO OM PK PW PS

578 512 586 840 840

NOK OMR PKR USD USD

2 3 2 2 2

591

PAN

PA

590 840

PAB USD PGK PYG PEN PHP NZD PLN PTE EUR USD QAR

2 2 2 0 2 2 2 2 0 2 2 2

Papua New Guinea Paraguay Peru Philippines Pitcairn Island Poland Portugal

598 600 604 608 612 616 620

PNG PRY PER PHL PCN POL PRT

PG PY PE PH PN PL PT

598 600 604 608 554 985 620 978

Puerto Rico Qatar

630 634

PRI QAT

PR QA

840 634

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Reunion Numeric 638 3-Digit Alpha REU 2-Digit Alpha RE Currency Codes Currency Numeric 250 978 Romania 642 ROM RO 642 946 Russian Federation 643 RUS RU 810 643 Rwanda St. Helena St. Kitts-Nevis St. Lucia St. Pierre and Miquelon St. Vincent & The Grenadines Samoa San Marino 882 674 WSM SMR WS SM 882 380 978 Sao Tome & Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia 678 682 686 688 690 694 702 703 STP SAU SEN SER SYC SLE SGP SVK ST SA SN SR SC SL SG SK 678 682 952 941 690 694 702 703 WST ITL EUR STD SAR XOF RSD SCR SLL SGD SKK 2 0 2 2 2 0 2 2 2 2 2 646 654 659 662 666 RWA SHN KNA LCA SPM RW SH KN LC PM 646 654 951 951 250 978 670 VCT VC 951 Code Alpha FRF EUR ROL RON RUR RUB RWF SHP XCD XCD FRF EUR XCD Decimal Places 2 2 2 2 2 2 0 2 2 2 2 2 2

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Slovenia Solomon Islands Somalia South Africa So. George & So. Sandwich Is. Spain Numeric 705 090 706 710 239 3-Digit Alpha SVN SLB SOM ZAF SGS 2-Digit Alpha SI SB SO ZA GS Currency Codes Currency Numeric 978 090 706 710 826 Code Alpha EUR SBD SOS ZAR GBP Decimal Places 2 2 2 2 2

724

ESP

ES

724 978

ESP EUR LKR SDD SRD NOK

0 2 2 2 2 2

Sri Lanka Sudan Suriname Svalbard & Jan Mayen Island Swaziland Sweden Switzerland Syrian Arab Republic Taiwan, Prov. of China Tajikistan Tanzania Thailand Timor-Leste Togo Tokelau

144 736 740 744

LKA SDN SUR SJM

LK SD SR SJ

144 736 968 578

748 752 756 760

SWZ SWE CHE SYR

SZ SE CH SY

748 752 756 760

SZL SEK CHF SYP

2 2 2 2

158

TWN

TW

901

TWD

762 834 764 840 768 772

TJK TZA THA TLS TGO TKL

TJ TZ TH TL TG TK

972 834 764 840 952 554

TJS TZS THB USD XOF NZD

2 2 2 2 0 2

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Tonga Trinidad & Tobago Tunisia Turkey Turkmenistan Turks & Caicos Islands Tuvalu Uganda Ukraine United Arab Emirates United Kingdom United States U.S. Minor Outlying Islands U.S. Virgin Islands Uruguay Uzbekistan Vanuatu Vatican City State Numeric 776 780 788 792 795 796 3-Digit Alpha TON TTO TUN TUR TKM TCA 2-Digit Alpha TO TT TN TR TM TC Currency Codes Currency Numeric 776 780 788 949 934 840 Code Alpha TOP TTD TND TRY TMT USD Decimal Places 2 2 3 2 2 2

798 800 804 784

TUV UGA UKR ARE

TV UG UA AE

036 800 980 784

AUD UGX UAH AED

2 2 2 2

826 840 581

GBR USA UMI

GB US UM

826 840 840

GBP USD USD

2 2 2

850 858 860 548 336

VIR URY UZB VUT VAT

VI UY UZ VU VA

840 858 860 548 380 978

USD UYU SUM VUV ITL EUR VEF VND XPF

2 2 2 2 0 2 2 2 0

Venezuela Vietnam Wallis and Futuna Islands

862 704 876

VEN VNM WLF

VE VN WF

937 704 953

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Table 16.1: ISO Country and Currency Codes (cont.)


Country Codes Country or Entity Western Sahara Yemen Yugoslavia Numeric 732 887 891 3-Digit Alpha ESH YEM YUG 2-Digit Alpha EH YE YU Currency Codes Currency Numeric 504 886 890 891 Zambia Zimbabwe 894 716 ZMB ZWE ZM ZW 894 716 Code Alpha MAD YER YUN YUM ZMK ZWD Decimal Places 2 2 2 2 2 2

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State Codes
Table 16.2: State Codes
State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Colombia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Alpha AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS Numeric 01 02 04 05 06 08 09 10 11 12 13 15 16 17 18 19 20 21 22 23 24 25 26 27 28

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Table 16.2: State Codes (cont.)


State Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alpha MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Numeric 29 30 31 32 33 34 35 36 37 38 39 40 41 42 44 45 46 47 48 49 50 51 53 54 55 56

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