Field Definition DE39 - DE48

Field #39 - Response Code

Field No	Format	Attr
39		an 2

A code that defines the disposition of a transaction.

00	Approved or completed successfully
01	Refer to card issuer
02	Refer to card issuer, special condition
03	Invalid merchant
04	Pick-up card
05	Do not honor
06	Error
07	Pick-up card, special condition
08	Honor with identification
09	Request in progress
10	Approved, partial
11	Approved, VIP
12	Invalid transaction
13	Invalid amount
14	Invalid card number
15	No such issuer
16	Approved, update track 3
17	Customer cancellation
18	Customer dispute
19	Re-enter transaction
20	Invalid response
21	No action taken
22	Suspected malfunction
23	Unacceptable transaction fee
24	File update not supported
25	Unable to locate record
26	Duplicate record
27	File update edit error
28	File update file locked
29	File update failed
30	Format error
31	Bank not supported
32	Completed partially
33	Expired card, pick-up
34	Suspected fraud, pick-up
35	Contact acquirer, pick-up
36	Restricted card, pick-up
37	Call acquirer security, pick-up
38	PIN tries exceeded, pick-up
39	No credit account
40	Function not supported
41	Lost card
42	No universal account
43	Stolen card
44	No investment account
51	Not sufficient funds
52	No check account
53	No savings account
54	Expired card
55	Incorrect PIN
56	No card record
57	Transaction not permitted to cardholder
58	Transaction not permitted on terminal
59	Suspected fraud
60	Contact acquirer
61	Exceeds withdrawal limit
62	Restricted card
63	Security violation
64	Original amount incorrect
65	Exceeds withdrawal frequency
66	Call acquirer security
67	Hard capture
68	Response received too late
75	PIN tries exceeded
77	Intervene, bank approval required
78	Intervene, bank approval required for partial amount
90	Cut-off in progress
91	Issuer or switch inoperative
92	Routing error
93	Violation of law
94	Duplicate transaction
95	Reconcile error
96	System malfunction
98	Exceeds cash limit

Field #40 - Service Restriction Code

Field No	Format	Attr
40		N3

An identification of geographic/service availability. Contains:

· The area of usage and whether the card has additional read facilities

1	International card
2	International card - integrated circuit facilities
5	National use only
6	National use only - integrated circuit facilities
9	Test card - online authorization mandatory

· The authorization processing requirements for this card

0	Normal authorization
2	Online authorization mandatory
4	Online authorization mandatory

· The range of services available and PIN requirements

0	PIN required
1	No restrictions - normal cardholder verification
2	Goods and services only
3	PIN required, ATM only
5	PIN required, goods and services only at POS, cash at ATM
6	PIN required if PIN pad present
7	PIN required if PIN pad present, goods and services only at POS, cash at ATM

Field #41 - Card Acceptor Terminal Identification

Field No	Format	Attr
41		ans 8

A unique code identifying a terminal at the card acceptor location.

Field #42 - Card Acceptor Identification Code

Field No	Format	Attr
42		ans 15

A code identifying the card acceptor (typically a merchant).

Field #43 - Card Acceptor Name / Location

Field No	Format	Attr
43		ans 40

The name and location of the card acceptor (such as a merchant or an ATM). This is a fixed length field consisting of 4 data elements:

· The location information (positions 1 - 23), exclusive of city, state and country

· The city (positions 24 - 36) in which the Point-of-Service is located

· The state (positions 37 - 38) in which the Point-of-Service is located

· The country (positions 39 - 40) in which the Point-of-Service is located

Field #44 - Additional Response Data

Field No	Format	Attr
48	LLVAR	ans..25

Used to provide other supplemental data (such as a telephone number for referrals) that may be required in response to an authorization or other type of transaction request.

After a PIN Change request has been processed, this field contains the PIN offset (or PVV) in a 0610 message to the Source Node, as well as in a 0620 message to the Sink Node. If set in a 0610 message from the Sink Node, this field again indicates the PIN offset (or PVV).

For Visa Cash load transactions, this field is used to carry signature information. In load responses, it contains the Visa Cash Service Identifier ("SV:") followed by the load response signature (S2). This is a fixed length field consisting of 2 data elements:

· The Visa cash service identifier (positions 1 - 3), a constant value of "SV:"

· The load authorization signature (positions 4 - 19) for this load operation

In load settlement advices, it contains the Visa Cash Service Identifier ("SV:") followed by the load completion signature (S3). This is a fixed length field consisting of 2 data elements:

· The Visa cash service identifier (positions 1 - 3), a constant value of "SV:"

· The load completion signature (positions 4 - 19) for this load operation

Field #45 - Track 1 Data

Field No	Format	Attr
48	LLVAR	ans..76

The information encoded on Track 1 of the magnetic stripe as defined in ISO 7813, including field separators but excluding the begin sentinel, end sentinel and longitudinal redundancy check characters.

Note that two structures are defined by ISO 7813, namely Structure A and Structure B. Structure A is reserved for proprietary use by card issuers, while Structure B is defined as follows:

Field	Length
Format Code	B (ASCII 66)
Primary account number	up to 19 digits
Field separator	1 character (ASCII 61 or 94)
Country Code	3 digits (or a field separator if not present)
Name	2 to 26 characters (this field is further described below)
Field separator	1 character (ASCII 61 or 94)
Expiry date (YYMM)	4 digits (or a field separator if not present)
Service restriction code	3 digits (or a field separator if not present)
Discretionary data	balance of available digits

The primary account number, expiry date and service restriction code fields are described in further detail under fields 2, 14 and 40 in this document.

The structure of the Name field is defined in the following table. Sub-fields are separated by means of a space character (ASCII 32). The minimum encoded data allowed is a single character followed by the surname separator.

Field	Notes
Surname
Surname separator	ASCII 47
First Name or Initial
Space	When required
Middle Name or Initial
Period	When followed by Title; ASCII 46
Title	When used

The space character (ASCII 32) is required to separate the sub-fields of the Name field other than the surname. The separator terminating the surname should be encoded following the last sub-field of the Namefield. If only the surname is encoded, it will follow the surname separator.

Field #48 - Additional Data

Field No	Format	Attr
48	LLVAR	ans...999

Used to provide linked account or mini-statement information for a linked account inquiry or a mini-statement inquiry.

Mini – statement Information

The format for field 48 when mini-statement data is to be sent downstream is as follows:

1. A mini-statement heading line, containing tags to identify the format of the mini-statement data lines that follows, e.g.

DATE_TIME|SEQ_NR|TRAN_TYPE|TRAN_AMOUNT~

The different fields of the mini-statement heading line are separated by bar characters ("|") and the line is terminated by a tilde character ("~").

2. One or more mini-statement data lines, each similar to the identifying string above in structure, but containing the actual transaction data to be printed per line, e.g.

19971201123123|001234|01|000000005000~

Below is a list of tags supported.

Field	Tag name	Format
Sequence number	SEQ_NR	n6
Date and time	DATE_TIME	n14, CCYYMMDDhhmmss
Terminal ID	TERM_ID	n8
Transaction type	TRAN_TYPE	n2
From account	FROM_ACC	n2
To account	TO_ACC	n2
Transaction amount	TRAN_AMOUNT	n12
Account ID 1	ACC_ID1	ans28
Account ID 2	ACC_ID2	ans28
Authorization ID	AUTH_ID	n6
Currency code	CURR_CODE	n3 (Currency code of the Transaction Amount field)
Surcharge	SURCHARGE	n8

Linked Account Inquiry

In the case of a linked account inquiry, this field contains information relating to the accounts linked to the card that initiated the transaction. The information for up to 20 accounts can be returned. Note that when "00" is specified as an account type in the original request, a list of all accounts linked to the card is retrieved, and not only the linked accounts of the default account type. The format of the information associated with each account is as follows:

Field	Length	Description
Account ID	28	The identifier uniquely identifying the account, left justified, space-filled.
Account type	2	The ISO 8583 account type of the account.
Currency code	3	The ISO numeric currency code of the account.
Ledger balance	13	The ledger balance of the account. The first character contains the sign. A "D" indicates a debit (negative) balance and a "C" indicates a credit (positive) balance.