STAR ISO 8583 Message Format Guide 02-11

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.

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Revision Guide February 2011

Chapter Updated

Description of Change

Chapter 1

Updated Introduction

Chapter 3

Updated tables:

Chapter 4

Chapter 9

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Table 3.11: 0100/0101 Pre-authorization Request

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Table 3.12: 0110 Pre-authorization Response

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Table 3.13: 0120/0121 Pre-authorization Advice

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Table 3.15: 0200/0201 Financial Transaction Request

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Table 3.16: 0210 Financial Transaction Response

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Table 3.17: 0220/021 Financial Transaction Advice

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Table 3.33: 0420/0421 Acquirer Reversal Advice

Updated elements: ■

DE 042 Card Acceptor/Merchant Identification Code

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DE 125 Network Management Information/Tagged Issuer Data

Updated Table 9.1: Valid Response Codes ■

Added ‘A1’, ‘A2’ and ‘S7’

Chapter 11

Updated Table 11.9: Position 9-10: Terminal Type

Chapter 13

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

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Chapter 2: Operational Considerations Overview 10 Considerations 11

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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

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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

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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

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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

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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

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

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Part 1: STAR ISO 8583 Message Format Guide

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 1

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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

Description

STAR ISO 8583 Message Format Guide

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.

STAR ISO 8583 Gateway/ Product Interface Guide

The STAR ISO 8583 Gateway/Product Interface Guide provides additional processing information for Gateway, Electronic Benefits Transfer, and STAR Product processing.

STAR Platform Interface Guide

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.

File Layouts

Separate file layouts are variable by Platform and are available on the STAR STATION® portal or upon request.

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Chapter 2

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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

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Currency Information

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Merchant Type Code

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Point of Service Information

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Response Codes

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Convenience Fees (Surcharge and Rebate)

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Location Information

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Additional Amount Information

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Network Identifiers

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Merchant Authorized Transactions

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Merchant Authorized Submissions and Resubmissions Processing

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Matching POS Pre-authorization to Financial Completions

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Routebacks

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Over/Under Dispense Reversals

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Corrections/Cancellations

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STAR ISO Message Handling

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Repeat Transactions

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Chapter 2: Operational Considerations

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Considerations Transaction Amount Fields

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

Considerations

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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 customer’s statement and reporting both amounts on internal/ settlement reports. Having both amounts available will aid in resolving consumer questions relating to international transactions.

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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.

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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.

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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.

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See also Chapter 16 in this manual and the STAR ISO 8583 Gateway/ Product Interface Guide for additional information.

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Chapter 2: Operational Considerations

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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

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All STAR terminal owners are within the US and settle in dollars; therefore, the STAR Switch does not support currency conversion between STAR Members.

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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.

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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

DE 018 Merchant Type

Considerations

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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Chapter 2: Operational Considerations

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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

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DE 022 must be present for all POS transactions, and is optional (but recommended) for ATM transactions.

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DE 058 must be present for all transactions.

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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.

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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 STAR‘s.

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Chapter 2: Operational Considerations

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Convenience Fees (Surcharge and Rebate) Fields

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

Considerations

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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.

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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.

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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

DE 039 Response Code

Considerations

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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Chapter 2: Operational Considerations

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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

DE 054 Additional Amounts

Considerations

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

DE 063 STAR Identification Data

Considerations

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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.

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DE 063 is also used to carry pseudo terminal IDs, processor IDs, and processing flags that are needed to support partial amount approvals.

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Please see Chapter 4 of this guide and the STAR ISO Gateway / Product Interface Guide for additional information.

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Chapter 2: Operational Considerations

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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”).

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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

Description

‘51’

Not Sufficient Funds

‘55’

Invalid/Incorrect PIN

‘61’ ‘65’ ‘75’ ‘76’

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

Description

‘51’

Not Sufficient Funds

‘61’

Exceeds Withdrawal Amount Limit

‘65’

Exceeds Withdrawal Frequency Limit

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Chapter 2: Operational Considerations

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Merchant Authorized Submissions and Resubmissions Processing Considerations

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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'.

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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.

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Data Elements for submission and resubmission transactions: DE 002

PAN (required if DE 035 is not provided)

DE 013

Local Date (date transaction occurred).

DE 022

Point of Service Entry Mode ◆

Set to ‘021’ on Submission (with Track and PIN)

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Set to ‘022’ on Resubmission (with Track and without PIN)

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Set to ‘012’ on Resubmission (without Track and without PIN)

DE 035

Track 2 Data on submissions (optional on resubmissions)

DE 052

PIN Data on submissions (not present on resubmissions)

DE 058

National Point of Service Condition Code

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Chapter 2: Operational Considerations

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Merchant Authorized Submissions and Resubmissions Processing (cont.)

a.

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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.

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Resubmissions can be transmitted only one time during a 24-hour period during a 12-day time frame.

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In addition, the National Point of Service Condition Code must be updated.

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Position 7 should be set to 4 on all initial submission transactions. All resubmissions should be set to 5.

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All additional information contained in DE 058 should remain the same throughout the Life of the Transaction.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

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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.

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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.

Platform Distinction

The STAR NE Platform does not support this option.

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Chapter 2: Operational Considerations

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Over/Under Dispense Reversals Fields

DE 095 Replacement Amounts DE 056 Replacement, Additional Fees

Considerations

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Over- and under-dispense reversals are supported via an 0420 message, not as an additional debit transaction.

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DE 095 should be populated with the amount actually dispensed (e.g., an amount greater or less than the original amount requested).

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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.

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Zero-dollar reversals (where the amount in DE 004 or DE 005 is zero) are not permitted.

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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.

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Please see Chapter 4 of this guide and the STAR ISO Gateway / Product Interface Guide for additional information.

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Chapter 2: Operational Considerations

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Matching POS Pre-authorization to Financial Completions Fields

DE 038 Authorization Identification Response

Considerations

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Platform Distinction

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

DE 002 (or DE 035 or DE 045) – Primary Account Number (PAN)

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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%)

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DE 013 – Local Date

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DE 018 – Merchant Type (Merchant Category Code or SIC)

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DE 127 – Pre-authorization Key (assigned by Visa / MasterCard)

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

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On the STAR SE/W Platforms: ◆

DE 002 PAN (in completions) with PAN portion of DE 035 Track 2

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DE 011 – System Trace Audit Number

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DE 041 – Card Acceptor Terminal Identification

On the STAR NE Platform: ◆

DE 002 PAN (in completions) with PAN portion of DE 035 Track 2

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DE 011 – System Trace Audit Number

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DE 035 – Card Number

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DE 013 – Local Transaction Date

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DE 012 – Local Transaction Time

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DE 041 – Card Acceptor Terminal Identification

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Chapter 2: Operational Considerations

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STAR ISO Message Handling Considerations

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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.

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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

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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.

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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.

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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: ■

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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

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02xx = Financial Transaction Messages

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03xx = File Maintenance Messages

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03xx = Card Activation Messages

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04xx = Reversal Messages

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06xx = Administrative “Error” Messages

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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.

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Optional for Point of Sale Acquirer Processors.

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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 network’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.

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Chapter 3: Message Formats

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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

Message Type

Comments

0100

Pre-authorization Request

Both PIN-based and signature debit transactions.

0101

Repeat Pre-authorization Request

STAR SE/W Platforms only.

0110

Pre-authorization Reply

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

0120

Pre-authorization Advice

0121

Repeat Pre-authorization Advice

0130

Advice Acknowledgement

STAR SE/W Platforms only.

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Chapter 3: Message Formats

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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. ■ ■

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■

■

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

0201

Repeat Financial Request

0210

Financial Reply

0220

Financial Advice

0221

Repeat Financial Advice

0230

Financial Acknowledgement

Comments ■

ATM, POS, Point of Banking transactions.

■

Data Element DE 003 (Processing Code) defines the type of financial requested.

STAR SE/W Platforms only.

■

Forced post transaction by the merchant acquirer.

■

Stand-in financial transaction approved by the STAR Switch.

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 Network’s 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 institution’s processor’s 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

0302

Message Type Acquirer File Update Request

Negative 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 client’s or client’s 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 Network’s 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.

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Table 3.3: File Maintenance Message Types (cont.) Type ID 0310

Message Type ■

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 client’s or client’s 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 Network’s 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.

Negative File Update Advice Acknowledgement

■

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 client’s or client’s 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.

0382

PIN Change Request

A STAR processing initiated request.

0392

PIN Change Reply

An Issuer response to a STAR initiated PIN change request.

0382

PIN Offset File Update Request

An Issuer initiated request.

0312

0322

0332

Acquirer File Update Response

Comments

Negative File Update Reply

Negative File Update Advice

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Table 3.3: File Maintenance Message Types (cont.) Type ID

Message Type

Comments

0384

PIN Change Advice

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 Cardholder’s new PIN offset.

0392

PIN Offset File Update Reply

A STAR processing response to the Issuer.

0394

PIN Change Advice Acknowledgement

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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■ ■

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■

■

■

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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 network’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 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

Message Type

Comments

0420

Reversal Advice

DE 090, Original Data Elements provides information on the original transaction.

0421

Repeat Reversal Advice

STAR NE does not send 0421 messages.

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Table 3.4: Reversal Message Types (cont.) Type ID 0430

Message Type

Comments

Reversal Advice Acknowledgement

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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

Comments

Administrative Advice

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

Message Type

0800

Network Management Request

0810

Network Management Response

Comments DE 070, Network Management Information Code is used to describe a specific purpose or function of each message.

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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 ◆

Secondary

Contains 64 bit positions to represent data elements 001–064.

Present in messages containing data elements above 064 ◆

Contains 64 bit positions to represent data elements 065–128.

◆

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, however—DE is an example—in 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

Definition

Notes

b

Binary – will be hexadecimal characters if the packing option is not set.

Left-justified with trailing zeros.

A

Alphabetic characters only.

Left-justified with trailing spaces.

N

Numeric values (digits) only.

Right-justified with leading zeros.

Alphanumeric characters only.

Left-justified with trailing spaces.

AN

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Table 3.8: Data Type Indicators (cont.) Indicator

Definition

Notes

ANS

Alphabetic, numeric and special characters.

Left-justified with trailing spaces.

NS

Numeric and special characters.

Left-justified with trailing spaces.

NP

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.

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.

LLLV

X

■

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 STAR‘s software. If this occurs, only the message size defined by STAR will pass through the Switch.

For financial transactions, the value of the amount (credit or debit) is given from the cardholder’s 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

Description

M

Mandatory – The data element must be present in the message. Issuers/ Acquirers should populate their messages and/or edit accordingly.

C

Conditional – The data element must be present when specific conditions are satisfied. The applicable conditions are generally identified in the Notes column.

O

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 element’s 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

Description

MM

Month (01-12)

DD

Day (01-31)

YY

Year (00-99)

hh

Hour (00-23)

mm

Minute (00-59)

ss

Second (00-59)

Multi-Currency Field

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.

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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

Trnsmit

Recv

N4

M

M

Notes ■

Always ‘0100’ initially.

■

‘0101’ if repeated by Acquirer.

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

C

C

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

002

Primary Account Number

LLV N19

C

C

■

Required if PAN is manually entered.

■

If electronically captured, DE 035 or DE 045 must be present.

003

Processing Code

N6

M

M

004

Amount, Transaction

N12

M

M

005

Amount, Settlement

N12

C

C

Multi-Currency Field

006

Amount, Cardholder Billing

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

008

Amount, Cardholder Billing Fee

N8

O

O

Unsupported

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

010

Conversion Rate, Cardholder Billing

N8

C

C

Multi-Currency Field

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

011

System Trace Audit Number

N6

M

M

012

Time, Local Transaction

N6

M

M

hhmmss

013

Date, Local Transaction

N4

M

M

MMDD

014

Date, Expiration

N4

O

O

■

Signature debit if Track 1 or 2 data is not available.

■

YYMM

■

STAR business date.

■

MMDD

■

Multi-Currency Field.

■

Return if available.

■

MMDD

015

016

Date, Settlement

Date, Conversion

N4

N4

M

C

M

C

017

Date, Capture

N4

O

O

018

Merchant Type

N4

M

C

019

Acquiring Institution Country Code

N3

C

C

022

Point-Of-Service Entry Mode

N3

M

C

023

Card Sequence Number

N3

O

C

025

Point-Of-Service Condition Code

N2

O

O

026

Point-Of-Service PIN Capture Code

N2

O

C

027

Authorization Identification Response Length

N1

O

C

MMDD

■

Present if sent by another network.

■

See the STAR ISO 8583 Gateway/Product Interface Guide.

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

ISO Field Name

Data Type

Trnsmit

Recv

028

Amount, Transaction Fee

X + N8

O

O

029

Amount, Settlement Fee

X + N8

O

O

030

Amount, Processing Fee

X + N8

O

O

Unsupported

031

Amount, Settlement Processing Fee

X + N8

O

O

Unsupported

032

Acquiring Institution Identification Code

LLV N11

M

M

033

Sponsor ID

LLV N11

C

035

Track 2

037

Retrieval Reference Number

040

Notes

■

Required in ATM transactions if terminal is sponsored by a STAR financial institution.

■

Applicable only on Acquirer side.

LLV NS37

C

C

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

AN12

M

M

Service Restriction Code

AN3

O

O

041

Card Acceptor Term Identification

AN8

M

M

042

Card Acceptor Identification Code

ANS15

O

C

Required for STAR POS Acquirers.

043

Card Acceptor Location

AN40

M

C

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

Unsupported

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Table 3.11: 0100/0101 Pre-authorization Request (cont.) Requirements Bit 045

ISO Field Name Track 1

047

Additional Data, National

048

Merchant/Bank Name

049

Data Type

Trnsmit

LLV ANS76

Recv C

LLLV ANS..100

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.

C

Electronic Commerce Indicators & UCAF data.

LLLV ANS025

M

C

Reg. E Data required for all STAR Acquirer Processors.

Currency Code, Transaction

N3

M

M

‘840’ = US

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

051

Currency Code, Cardholder Billing

N3

C

C

Multi-Currency Field

052

PIN Data

b64

C

C

054

Additional Amounts

LLLV ANS120

O

O

057

Authorization Life

LLLV N003

M

M

058

National Point-Of-Service Condition Code

LLLV N010

M

M

059

National Point-Of-Service Geographic Data

LLLV AN017

O

O

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

ISO Field Name

Data Type

Trnsmit

Recv

061

Acquirer Transport Data

LLLV ANS100

O

O

063

STAR Data

LLLV ANS050

M

M

Notes Will be echoed in response, but not forwarded to Issuer.

■

Byte Map

AN2

M

M

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

■

Pseudo Term

AN6

M

M

Mandatory for STAR Acquirers.

■

Issuer Network Identification

AN3

O

C

■

Acquirer Network Identification

AN3

O

C

■

Processor ID

AN6

O

M

Switch-filled

N2

O

O

Unsupported

067

Extended Payment Code

102

Account

LLV ANS28

C

C

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

103

Account Identification 2

LLV ANS28

O

O

Unsupported

104

Interchange Group Identifier

LLLV ANS100

C

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

ISO Field Name

Data Type

Trnsmit

Recv

111

Additional Data, Private Acquirer

LLLV AN255

O

O

113

Card Issuer Identification Code

LLLV N011

O

O

120

Account Qualifiers

LLLV AN006

O

C

122

Sponsor Bank ID

LLLV AN011

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.

■

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

ISO Field Name

Data Type

Trnsmit

Recv

123

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

LLLV ANS255

C

C

125

Network Management Information/Tagged Issuer Data

127

Acquirer Trace Data

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.

LLLV ANS56

O

O

■

For Issuers that elect to receive the ALL STAR Indicator

LLLV ANS100

O

O

■

Only present if required by or transmitted from another network.

■

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

46

0110 Pre-authorization Response Table 3.12: 0110 Pre-authorization Response Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

Required if fields specified in DE 065 to DE 128.

002

Primary Account Number

LLV N19

C

C

Required, if received in 010x message.

N6

M

M

003

Processing Code

Always ‘0110’.

004

Amount, Transaction

N12

M

M

Copied from the 010x message.

005

Amount, Settlement

N12

C

C

Multi-Currency Field

006

Amount, Cardholder

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

008

Amount, Cardholder Billing Fee

N8

O

O

Unsupported

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

010

Conversion Rate, Cardholder Billing

N8

C

C

Multi-Currency Field

011

System Trace Audit Number

N6

M

M

Copied from the 010x message.

012

Time, Local Transaction

N6

M

M

■

Copied from the 010x message.

■

hhmmss

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

47

Table 3.12: 0110 Pre-authorization Response (cont.) Requirements Bit 013

014

015

016

ISO Field Name Date, Local Transaction

Date, Expiration

Date, Settlement

Date, Conversion

Data Type

Trnsmit

Recv

N4

M

M

N4

N4

N4

O

M

C

O

M

C

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

017

Date, Capture

N4

O

O

MMDD

018

Merchant Type

N4

O

C

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

N3

O

C

022

Point-Of-Service Entry Mode

N3

O

C

023

Card Sequence Number

N3

O

C

025

Point-Of-Service Condition Code

N2

O

O

028

Amount, Transaction Fee

X + N8

O

O

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

48

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

029

Amount, Settlement Fee

X + N8

O

O

030

Amount, Processing Fee

X + N8

O

O

Unsupported

031

Amount, Settlement Processing Fee

X + N8

O

O

Unsupported

032

Acquiring Institution Identification Code

LLV N11

M

M

Copied from the 010x message.

033

Sponsor ID

LLV N11

C

Echoed only if sent by the Acquirer.

035

Track 2

037

Retrieval Reference Number

038

LLV NS37

C

C

Required if received in 010x message.

AN12

M

M

Copied from the 010x message.

Authorization Identification Response

AN6

O

C

Required for participation in some links.

039

Response Code

AN2

M

M

If the response code is 30, then Additional Response Data (DE 044) contains the data element number in error.

040

Service Restriction Code

AN3

O

O

Unsupported

041

Card Acceptor Term Identification

AN8

M

M

Copied from the 010x message.

042

Card Acceptor Identification Code

ANS15

O

C

043

Card Acceptor Location

AN40

O

C

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

044

Additional Response Data

LLV AN25

C

C

045

Track 1

LLV ANS76

C

Required if received in 0100 message.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

49

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

ISO Field Name

047

Additional Data, National

048

Merchant/Bank Name

049

Data Type

Trnsmit

LLLV ANS..100

Recv

Notes

C

Electronic Commerce Indicators & UCAF data.

LLLV ANS025

O

C

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

Currency Code, Transaction

N3

M

M

Copied from the 010x message.

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

051

Currency Code, Cardholder Billing

N3

C

C

Multi-Currency Field

054

Additional Amounts

LLLV ANS120

C

C

Return if additional amounts are needed or balance returned.

055

Additional Fees

LLLV ANS088

C

C

Required if received in the 0xxx message

057

Authorization Life

LLLV N003

O

O

Reversal

058

National Point-Of-Service Condition Code

LLLV N010

M

M

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

059

National Point-Of-Service Geographic Data

LLLV AN017

O

C

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

061

Acquirer Transport Data

LLLV ANS100

O

C

Required if in 010x message.

063

STAR Data

LLLV ANS050

M

M

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

50

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

■

Byte Map

AN2

M

M

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

■

Pseudo Term

AN6

M

M

■

Issuer Network Identification

AN3

O

C

■

Acquirer Network Identification

AN3

O

C

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

■

Processor ID

AN6

O

M

Switch-filled

067

Extended Payment Code

N2

O

O

Unsupported

102

Account Identification 1

LLV ANS28

O

O

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

103

Account Identification 2

LLV ANS28

O

O

Unsupported

104

Interchange Group Identifier

LLLV ANS100

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

C

C

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

51

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

113

Card Issuer Identification Code

LLLV N011

M

M

114

AuthorizIng Agent Country Code

LLLV AN003

O

C

120

Account Qualifiers

LLLV AN006

O

C

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

121

Additional Data, Private Issuer

LLLV ANS999

O

O

See Chapter 9 in the STAR ISO 8583 Gateway/Product Interface Guide for additional information.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

52

Table 3.12: 0110 Pre-authorization Response (cont.) Requirements Bit 122

123

125

ISO Field Name Sponsor Bank ID

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

Network Management Information/Tagged Issuer Data

Data Type

Trnsmit

LLLV AN011

O

LLLV ANS255

LLLV ANS56

Recv

C

O

C

126

Issuer Trace ID

LLLV ANS100

O

C

127

Acquirer Trace Data

LLLV ANS100

O

O

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.

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 Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

53

0120/0121 Pre-authorization Advice Table 3.13: 0120/0121 Pre-authorization Advice Requirements Bit –

–

ISO Field Name Message Type

Data Type

Trnsmit

Recv

N4

M

M

Notes ■

‘0120’ for initial advice.

■

‘0121’ if repeated.

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

C

C

Required if fields specified in DE 065 to DE 128.

002

Primary Account Number

LLV N19

C

C

■

Required if PAN is manually entered or track data is unavailable.

■

STAR Issuers will receive either DE 002 or DE 035

003

Processing Code

N6

M

M

004

Amount, Transaction

N12

M

M

005

Amount, Settlement

N12

C

C

Multi-Currency Field

006

Amount, Cardholder Billing

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

008

Amount, Cardholder Billing Fee

N8

O

O

Unsupported

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

010

Conversion Rate, Cardholder Billing

N8

C

C

Multi-Currency Field

011

Systems Trace Audit Number

N6

M

M

Copied from 01xx.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

54

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

ISO Field Name

Data Type

Trnsmit

Recv

012

Time, Local Transaction

N6

M

M

013

014

015

016

017

Date, Local Transaction

Date, Expiration

Date, Settlement

Date, Conversion

Date, Capture

N4

N4

N4

N4

N4

M

O

M

C

O

M

O

M

C

O

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.

018

Merchant Type

N4

M

M

Required for STAR ATM & POS.

019

Acquiring Institution Country Code

N3

C

C

Required if not US (840).

022

Point-Of-Service Entry Mode

N3

C

C

Required for transactions from a point of sale device.

023

Card Sequence Number

N3

O

O

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

025

Point-Of-Service Condition Code

N2

O

O

Unsupported

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

55

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

ISO Field Name

Data Type

Trnsmit

Recv

028

Amount, Transaction Fee

X + N8

O

O

029

Amount, Settlement Fee

X + N8

O

O

030

Amount, Processing Fee

X + N8

O

O

Unsupported

031

Amount, Settlement Processing Fee

X + N8

O

O

Unsupported

032

Acquiring Institution Identification Code

LLV N11

M

M

035

Track 2 Data

LLV NS37

C

C

037

Retrieval Reference Number

038

Authorization ID

Notes

■

STAR Acquirers should send if track data is electronically captured.

■

STAR Issuers will receive either DE 002 or DE 035.

AN12

M

M

Must be copied from 01xx.

AN6

C

C

■

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

M

M

040

Service Restriction Code

AN3

O

O

041

Card Acceptor Term Identification

AN8

M

M

042

Card Acceptor Identification Code

ANS15

C

C

Unsupported

Copied from the 010x message if available.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

56

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

ISO Field Name

043

Card Acceptor Location

045

Track 1

047

Additional Data, National

048

Merchant/Bank Name

049

Data Type

Trnsmit

Recv

Notes

AN40

M

C

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

C

■

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.

LLV ANS76

LLLV ANS..100

C

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.

LLLV ANS025

M

C

Currency Code, Transaction

N3

M

M

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

051

Currency Code, Cardholder Billing

N3

C

C

Multi-Currency Field

054

Additional Amounts

LLLV ANS120

C

C

Sent if transaction related amounts are present.

057

Authorization Life Cycle

LLLV N003

C

C

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

57

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

ISO Field Name

Data Type

Trnsmit

Recv

058

National Point-Of-Service Condition Code

LLLV N010

M

M

059

National Point-Of-Service Geographic Data

LLLV AN017

O

O

060

Advice / Reversal Code

LLLV AN006

M

M

AN2

M

M

ANS2

C

C

■

Byte Map

■

Advice Reason

061

Acquirer Transport Data

LLLV ANS100

O

O

063

STAR Data

LLLV ANS050

M

M

Notes

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

Required to indicate the presence of subfields.

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

■

Byte Map

AN2

M

M

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

■

Pseudo Term

AN6

M

M

Mandatory for STAR Acquirer Processors.

■

Issuer Network Identification

AN3

O

C

■

Acquirer Network Identification

AN3

O

C

■

Processor ID

AN6

O

M

Switch-filled

067

Extended Payment Code

N2

O

O

Unsupported

102

Account Identification 1

LLV ANS28

O

O

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

103

Account Identification 2

LLV ANS28

O

O

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

58

Table 3.13: 0120/0121 Pre-authorization Advice (cont.) Requirements Bit 104

111

ISO Field Name Interchange Group Identifier

Additional Data, Private Acquirer

Data Type

Trnsmit

Recv

LLLV ANS100

C

C

LLLV AN255

O

O

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.

113

Card Issuer Identification Code

LLLV N011

O

O

120

Account Qualifiers

LLLV AN006

O

O

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

122

Sponsor Bank ID

LLLV AN011

O

■

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

125

Network Management Information/Tagged Issuer Data

LLLV ANS255

C

C

See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide.

LLLV ANS56

O

O

For Issuers that elect to receive the ALL STAR Indicator.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

59

Table 3.13: 0120/0121 Pre-authorization Advice (cont.) Requirements Bit 127

ISO Field Name Acquirer Trace ID

Data Type

Trnsmit

Recv

LLLV ANS100

C

C

Notes ■

Only present if required by or transmitted from another network.

■

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

60

0130 Pre-authorization Advice Response Table 3.14: 0130 Pre-authorization Advice Response Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

M

Always ‘0130’.

–

Bit Map, Primary

b64

M

M

003

Processing Code

N6

M

M

004

Amount, Transaction

N12

M

M

005

Amount, Settlement

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end-point.

■

Greenwich Mean Time.

■

MMDDhhmmss

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

011

System Trace Audit Number

N6

M

M

Copied from the 012x.

012

Time, Local Transaction

N6

M

M

■

Copied from the 012x.

■

hhmmss

■

Copied from the 012x.

■

MMDD

■

STAR business date.

■

MMDD

013

015

Date, Local Transaction

Date, Settlement

N4

N4

M

M

M

M

028

Amount, Transaction Fee

X+N8

C

C

Required if received in the 012x.

029

Amount, Settlement Fee

X+N8

C

C

Multi-Currency Field

037

Retrieval Reference Number

AN12

M

M

Copied from the 012x.

039

Response Code

AN2

M

M

STAR Issuers must return ‘00’.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

61

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

ISO Field Name

Data Type

Trnsmit

LLV AN25

Recv

Notes

C

Used by STAR to provide information to Acquirers about the nature of edit errors in conjunction with Response Code (DE 039) of '30'.

044

Additional Response Data

049

Currency Code, Transaction

N3

M

M

Copied from the 012x.

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

055

Additional Fees

LLLV ANS088

C

C

Required if received in the 0xxx message

061

Acquirer Transport Data

LLLV ANS100

O

C

Required if present in 012x.

063

STAR Data

LLLV ANS050

M

M

■

Byte Map

AN2

M

M

■

Pseudo Term

AN6

M

M

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

62

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

Trnsmit

Recv

N4

M

M

Notes ■

‘0200’ initially.

■

‘0201’ if repeated by Acquirer Processor.

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

C

C

Required if fields specified in DE 065 to DE 128.

002

Primary Account Number

LLV N19

C

C

■

Required if PAN is manually entered.

■

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

003

Processing Code

N6

M

M

004

Amount, Transaction

N12

M

M

All zeros when Processing Code (DE 003) = 39xx00 or 91xx00.

005

Amount, Settlement

N12

C

C

Multi-Currency Field

006

Amount, Cardholder

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

008

Amount, Cardholder Billing Fee

N8

O

O

Unsupported

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

63

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

010

Conversion Rate, Cardholder Billing

N8

C

C

011

Systems Trace Audit Number

N6

M

M

012

Time, Local Transaction

N6

M

M

hhmmss

013

Date, Local Transaction

N4

M

M

MMDD

014

Date, Expiration

N4

O

O

■

May be present if key-entered.

■

YYMM

■

STAR business date.

■

MMDD

■

Multi-Currency Field

■

MMDD

■

Current Acquirer Processor date.

■

MMDD

015

016

017

Date, Settlement

Date, Conversion

Date, Capture

N4

N4

N4

M

C

C

M

C

C

Multi-Currency Field

018

Merchant Type

N4

M

C

019

Acquiring Institution Country Code

N3

C

C

Required if not US (840).

022

Point-Of-Service Entry Mode

N3

C

C

Required for POS.

023

Card Sequence Number

N3

O

O

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

64

Table 3.15: 0200/0201 Financial Transaction Request (cont.) Requirements Bit 025

ISO Field Name Point-Of-Service Condition Code

Data Type

Trnsmit

Recv

N2

O

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

N2

O

C

027

Authorization Identification Response Length

N1

O

C

028

Amount, Transaction Fee

X + N8

C

C

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

029

Amount, Settlement Fee

X + N8

O

O

Unsupported

030

Amount, Processing Fee

X + N8

O

O

Unsupported

031

Amount, Settlement Processing Fee

X + N8

O

O

Unsupported

032

Acquiring Institution Identification Code

LLV N11

M

M

033

Sponsor ID

LLV N11

C

035

Track 2 Data

LLV NS37

C

C

■

Required in ATM transactions if terminal is sponsored by a STAR financial institution.

■

Applicable only on Acquirer side.

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

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February 2011

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65

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

ISO Field Name

Data Type

Trnsmit

Recv

AN12

M

M

Notes

037

Retrieval Reference Number

040

Service Restriction Code

AN3

O

O

041

Card Acceptor Term Identification

AN8

M

M

042

Card Acceptor Identification Code

ANS15

C

C

Required for STAR point of sale Acquirer Processors.

043

Card Acceptor Location

AN40

M

M

Reg. E Data

045

Track 1

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

049

LLV ANS76

Unsupported

LLLV ANS025

M

C

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

Currency Code, Transaction

N3

M

M

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

051

Currency Code, Cardholder Billing

N3

C

C

Multi-Currency Field

052

PIN Data

b64

C

C

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

66

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

054

Additional Amounts

LLLV ANS120

C

C

Sent if transaction-related amounts are present, e.g., cash back in a deposit.

055

Additional Fees

LLLV ANS088

O

O

■

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

M

M

059

National Point-Of-Service Geographic Data

LLLV AN017

O

O

061

Acquirer Transport Data

LLLV ANS100

O

O

063

STAR Data

LLLV ANS50

M

M

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

■

Byte Map

AN2

M

M

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

■

Pseudo Term

AN6

M

M

Mandatory for STAR Acquirer Processors. Assigned by STAR staff.

■

Issuer Network Identification

AN3

O

C

■

Acquirer Network ID: Transaction Identification

AN3

O

C

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

67

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

ISO Field Name ■

Processor ID

Data Type

Trnsmit

Recv

AN6

O

M

Switch-filled

N2

O

O

Unsupported

AN25

C

C

See Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Used for Co-op Issuers (STAR NE Platform only).

067

Extended Payment Code

098

Payer/Payee Data

102

Account Identification 1

LLV ANS28

O

O

103

Account Identification 2

LLV ANS28

O

O

104

Interchange Group Identifier

LLLV ANS100

C

C

105

Large Private Data

LLLV ANS255

C

C

Notes

■

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.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

68

Table 3.15: 0200/0201 Financial Transaction Request (cont.) Requirements Bit 113

ISO Field Name Card Issuer Identification Code

Data Type

Trnsmit

Recv

LLLV N011

O

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

O

O

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

121

Additional Data, Private Issuer

LLLV ANSnn

C

C

For Statement Data (91xx 00) transactions, nn = 32. See Chapter 15 in this manual for details.

122

Sponsor Bank ID

LLLV AN011

C

O

■

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.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

69

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

ISO Field Name

Data Type

Trnsmit

Recv

123

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

LLLV ANS255

C

C

125

Network Management Information/Tagged Issuer Data

127

Acquirer Trace ID

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

LLLV ANS56

O

O

For Issuers that elect to receive the ALL STAR Indicator.

LLLV ANS100

O

O

■

Only present if required by or transmitted from another network.

■

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

70

0210 Financial Transaction Response Table 3.16: 0210 Financial Transaction Response Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

M

Always ‘0210’.

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

Required if fields specified in DE 065 to DE 128.

002

Primary Account Number

LLV N19

C

C

Required if received in 020x message.

003

Processing Code

N6

M

M

004

Amount, Transaction

N12

M

M

Copied from the 020x message.

005

Amount, Settlement

N12

C

C

Multi-Currency Field

006

Amount, Cardholder

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

008

Amount, Cardholder Billing Fee

N8

O

O

Unsupported

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

010

Conversion Rate, Cardholder Billing

N8

C

C

Multi-Currency Field

011

System Trace Audit Number

N6

M

M

Copied from the 020x message.

012

Time, Local Transaction

N6

M

M

■

Copied from the 020x message.

■

hhmmss

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

71

Table 3.16: 0210 Financial Transaction Response (cont.) Requirements Bit 013

ISO Field Name Date, Local Transaction

Data Type

Trnsmit

Recv

N4

M

M

Notes ■

Copied from the 020x message.

■

MMDD

014

Date, Expiration

N4

O

O

YYMM

015

Date, Settlement

N4

M

M

■

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

017

Date, Conversion

Date, Capture

N4

N4

C

O

C

C

018

Merchant Type

N4

O

C

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

N3

O

C

022

Point-Of-Service Entry Mode

N3

O

C

023

Card Sequence Number

N3

O

C

025

Point-Of-Service Condition Code

N2

O

O

028

Amount, Transaction Fee

X + N8

C

C

Required if present in 020x.

029

Amount, Settlement Fee

X + N8

O

C

Multi-Currency Field

030

Amount, Processing Fee

X + N8

O

O

Unsupported

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

72

Table 3.16: 0210 Financial Transaction Response (cont.) Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

Notes

031

Amount, Settlement Processing Fee

X + N8

O

O

Unsupported

032

Acquiring Institution Identification Code

LLV N11

M

M

Copied from the 020x message.

033

Sponsor ID

LLV N11

C

Echoed only if sent by the Acquirer.

035

Track 2 Data

037

Retrieval Reference Number

038

Authorization Identification Response

LLV NS37

C

C

Required if received in 020x message.

AN12

M

M

Copied from the 020x message.

AN6

O

C

■

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

M

M

If the response code is 30, then Additional Response Data (DE 044) contains the data element number in error.

040

Service Restriction Code

AN3

O

O

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

041

Card Acceptor Term Identification

AN8

M

M

Copied from the 020x message.

042

Card Acceptor Identification Code

ANS15

O

C

043

Card Acceptor Location

AN40

O

C

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 Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

73

Table 3.16: 0210 Financial Transaction Response (cont.) Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

Notes

LLV AN25

C

C

LLV ANS76

C

LLLV ANS025

O

C

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

044

Additional Response Data

045

Track 1

048

Merchant/Bank Name

049

Currency Code, Transaction

N3

M

M

Copied from the 020x message.

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

054

Additional Amounts

LLLV AN120

C

C

Required if in 020x message.

055

Additional Fees

LLLV ANS088

C

C

Required if received in the 0xxx message

058

National Point-Of-Service Condition Code

LLLV N010

M

M

Copied from the 020x message.

059

National Point-Of-Service Geographic Data

LLLV AN017

C

C

061

Acquirer Transport

LLLV ANS100

O

C

Required if received in 0200 message.

Required if in 020x message data.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

74

Table 3.16: 0210 Financial Transaction Response (cont.) Requirements Bit 063

ISO Field Name STAR Data

Data Type

Trnsmit

Recv

LLLV ANS050

M

M

Notes

■

Byte Map

AN2

M

M

■

Pseudo Term

AN6

M

M

■

Issuer Network Identification

AN3

C

C

■

Acquirer Network ID: Transaction Identification

AN3

C

C

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

■

Processor ID

AN6

O

M

Switch-filled

N2

O

O

Unsupported

AN25

C

C

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

067

Extended Payment Code

098

Payer/Payee Data

102

Account Identification 1

LLV ANS28

O

O

103

Account Identification 2

LLV ANS28

O

O

104

Interchange Group Identifier

LLLV ANS100

O

O

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

■

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.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

75

Table 3.16: 0210 Financial Transaction Response (cont.) Requirements Bit 105

ISO Field Name Large Private Data

Data Type

Trnsmit

Recv

LLLV ANS255

C

C

111

Additional Data, Private Acquirer

LLLV AN255

O

O

113

Card Issuer Identification Code

LLLV AN011

M

M

114

Authorizating Agent Country Code

LLLV AN003

O

C

120

Account Qualifiers

LLLV AN006

O

C

121

Additional Data, Private Issuer

LLLV ANSnnn

M

M

122

Sponsor Bank ID

LLLV AN011

O

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.

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

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 Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

76

Table 3.16: 0210 Financial Transaction Response (cont.) Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

123

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

LLLV ANS255

C

C

125

Network Management Information/Tagged Issuer Data

LLLV ANS56

O

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.

126

Issuer Tracer ID

LLLV ANS100

O

C

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

O

O

■

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

77

0220/0221 Financial Transaction Advice Table 3.17: 0220/0221 Financial Transaction Advice Requirements Bit –

–

ISO Field Name Message Type

Data Type

Trnsmit

Recv

N4

M

M

Notes ■

‘0220’ for initial advice.

■

‘0221’ for repeat advice.

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

C

C

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

002

Primary Account Number

LLV N19

M

C

■

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

M

M

004

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

Amount, Transaction

N12

M

M

005

Amount, Settlement

N12

C

C

Multi-Currency Field

006

Amount, Cardholder Billing

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end.

■

Greenwich Mean Time.

■

MMDDhhmmss

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

78

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

008

Amount, Cardholder Billing Fee

N8

O

O

Unsupported

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

010

Conversion Rate, Cardholder Billing

N8

C

C

Multi-Currency Field

011

System Trace Audit Number

N6

M

M

Copied from 01xx, 02xx.

012

Time, Local Transaction

N6

M

M

■

Copied from 01xx, 02xx.

■

hhmmss

■

Copied from 01xx, 02xx.

■

MMDD

013

Date, Local Transaction

N4

M

M

014

Date, Expiration

N4

C

C

YYMM

015

Date, Settlement

N4

M

M

■

STAR Business Date

■

MMDD

■

Multi-Currency Field

■

MMDD

016

Date, Conversion

N4

O

O

017

Date, Capture

N4

O

C

MMDD

018

Merchant Type

N4

M

C

019

Acquiring Institution Country Code

N3

C

C

Required if not US (840).

022

Point-Of-Service Entry Mode

N3

C

C

Required for transactions from a POS device.

023

Card Sequence Number

N3

O

O

May be used to send a card sequence (plastic) number if Track 2 (DE 035) data present.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

79

Table 3.17: 0220/0221 Financial Transaction Advice (cont.) Requirements Bit 025

ISO Field Name Point-Of-Service Condition Code

Data Type

Trnsmit

Recv

N2

O

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

C

C

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

029

Amount, Settlement Fee

X + N8

C

C

Multi-Currency Field

030

Amount, Processing

X + N8

O

O

Unsupported

031

Amount, Settlement Processing Fee

X + N8

O

O

Unsupported

032

Acquiring Institution Identification Code

LLV N11

M

M

033

Sponsor ID

LLV N11

C

035

Track 2 Data

037

Retrieval Reference Number

038

039

■

Required in ATM transactions if terminal is sponsored by a STAR financial institution.

■

Applicable only on Acquirer side.

LLV NS37

C

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

AN12

M

M

Must be copied from 01xx / 02xx.

Authorization ID Response

AN6

C

C

Must be copied from 0110 / 0210 if available.

Response Code

AN2

M

M

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

80

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

ISO Field Name

Data Type

Trnsmit

Recv

040

Service Restriction Code

AN3

O

O

Unsupported

041

Card Acceptor Term Identification

AN8

M

M

Must be copied from 01xx / 02xx.

042

Card Acceptor Identification Code

ANS15

C

C

Required for STAR POS Acquirer Processors.

043

Card Acceptor Location

AN40

M

M

Reg. E Data

045

Track 1

LLV ANS76

C

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).

047

Additional Data, National

LLLV ANS..100

C

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

048

Merchant/Bank Name

C

■

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).

LLLV ANS025

M

Notes

049

Currency Code, Transaction

N3

M

M

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

051

Currency Code, Cardholder Billing

N3

C

C

Multi-Currency Field

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

81

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

ISO Field Name

Data Type

Trnsmit

Recv

C

C

Sent if transaction-related amounts are present.

O

■

Only present if required by or transmitted from another network.

■

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

054

Additional Amounts

LLLV ANS120

055

Additional Fees

LLLV ANS088

Notes

058

National Point-Of-Service Condition Code

LLLV N010

M

M

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

059

National Point-Of-Service Geographic Data

LLLV AN017

C

O

■

060

Advice / Reversal Code

LLLV AN006

M

M

AN2

M

M

061

■

Byte Map

■

Reversal Reason

ANS2

O

O

■

Advice Reason

ANS2

M

M

LLLV ANS100

O

O

Acquirer Transport Data

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

Required to indicate the presence of the subfields.

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

82

Table 3.17: 0220/0221 Financial Transaction Advice (cont.) Requirements Bit 063

ISO Field Name STAR Data

Data Type

Trnsmit

Recv

LLLV ANS050

M

M

Notes

■

Byte Map

AN2

M

M

■

Pseudo Term

AN6

M

M

■

Issuer Network Identification

AN3

C

C

■

Acquirer Network Identification

AN3

O

C

■

Processor ID

AN6

O

M

Switch-filled

N2

O

O

Unsupported

AN25

C

C

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

067

Extended Payment Code

098

Payer/Payee Data

102

Account Identification 1

LLV ANS28

C

O

103

Account Identification 2

LLV ANS28

C

O

104

Interchange Group Identifier

LLLV ANS100

C

C

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

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

■

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.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

83

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

ISO Field Name

105

Large Private Data

111

Additional Data, Private Acquirer

113

120

Card Issuer Identification Code

Account Qualifiers

Data Type

Trnsmit

Recv

Notes

ANS255

C

C

For POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.

LLLV AN255

O

O

■

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.

LLLV N011

LLLV AN006

O

O

O

O

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

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 3: Message Formats

84

Table 3.17: 0220/0221 Financial Transaction Advice (cont.) Requirements Bit 122

123

125

127

ISO Field Name Sponsor Bank ID

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

Network Management Information/Tagged Issuer Data

Acquirer Trace ID

Data Type

Trnsmit

LLLV AN011

LLLV ANS255

LLLV ANS56

LLLV ANS100

Recv O

C

O

O

C

O

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.

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February 2011

Chapter 3: Message Formats

85

0230 Financial Transaction Advice Response Table 3.18: 0230 Financial Transaction Advice Response Requirements Bit

ISO Field Name

Data Type

Transm it

Recv

Notes

–

Message Type

N4

M

M

Always ‘0230’.

–

Bit Map, Primary

b64

M

M

003

Processing Code

N6

M

M

004

Amount, Transaction

N12

M

M

005

Amount, Settlement

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end.

■

Greenwich Mean Time.

■

MMDDhhmmss

For Self Service Check deposit, must be 21 00 xx.

009

Conversion Rate, Settlement

N8

C

C

Returned if received in 022x message.

011

System Trace Audit Number

N6

M

M

Copied from the 022x message.

012

Time, Local Transaction

N6

M

M

■

Copied from the 022x message.

■

hhmmss

■

Copied from the 022x message.

■

MMDD

■

STAR business date.

■

MMDD

013

015

Date, Local Transaction

Date, Settlement

N4

N4

M

M

M

M

028

Amount, Transaction Fee

X + N8

O

O

029

Amount, Settlement Fee

X + N8

O

O

Required if received in the 022x message.

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Chapter 3: Message Formats

86

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

ISO Field Name

Data Type

Transm it

Recv

AN12

M

M

Copied from the 022x message.

AN2

M

M

STAR Issuers must return ‘00’.

C

Used by STAR Network to provide information to Acquirers about the nature of edit errors in conjunction with Response Code (DE 039) of '30'.

Notes

037

Retrieval Reference Number

039

Response Code

044

Additional Response Data

049

Currency Code, Transaction

N3

M

M

Copied from the 022x message.

050

Currency Code, Settlement

N3

C

C

Returned if received in 022x message.

055

Additional Fees

LLLV ANS088

C

C

Required if received in the 0xxx message

061

Acquirer Transport

LLLV ANS100

O

O

Required if present in 022x data.

063

STAR Data

LLLV ANS050

M

M

LLV AN25

■

Byte Map

AN2

M

M

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

■

Pseudo Term

AN6

M

M

Required if present in 022x.

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Chapter 3: Message Formats

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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

ISO Field Name

Data Type

Trnsmit

Recv

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

002

Primary Account Number

LLV N19

M

M

007

Transmission Date & Time

N10

M

M

Notes Always ‘0300’.

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

011

System Trace Audit Number

N6

M

M

023

Card Sequence Number

N3

C

C

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

039

Response Code

AN2

C

C

Indicates the response code used by the switch when a transaction is to be denied. Presented on adds and updates only.

061

Acquirer Transport Data

LLLV ANS100

C

C

Four (4) digit switch internal code. Presented on adds and updates only.

062

Issuer Transport Data

LLLV ANS100

C

C

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

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Chapter 3: Message Formats

88

Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W Platforms (cont.) Requirements Bit 091

ISO Field Name File Update Code

096

Message Security Code

101

File Name

Data Type

Trnsmit

Recv

AN1

M

M

Notes ■

'1' = Add

■

'2' = Update

■

'3' = Delete

AN8

M

M

Switch assigned 5-byte security code.

LLV ANS17

M

M

Always ‘PI-NEGATIVE’.

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Chapter 3: Message Formats

89

0302 Card Issuer File Update Request (Negative File) Table 3.20: 0302 Card Issuer File Update Request (Negative File) Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

002

Primary Account Number

LLV N19

M

M

007

Transmission Date & Time

N10

M

M

Notes Always ‘0302’.

Required if fields specified in DE 065 to DE 128.

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

011

System Trace Audit Number

N6

M

M

014

Date, Expiration

N4

O

O

YYMM

023

Card Sequence Number

N3

C

C

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

039

Response Code

AN2

C

C

044

Additional Response Data

LLV AN25

O

O

062

Issuer Transport Data

LLLV ANS100

O

O

091

File Update Code

AN1

M

M

096

Message Security Code

AN8

M

M

101

File Name

LLV ANS17

M

M

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

Always ‘PI-NEGATIVE’.

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February 2011

Chapter 3: Message Formats

90

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

ISO Field Name

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

M

Always ‘0310’.

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

002

Primary Account Number

LLV N19

M

M

Required if received in the 0300 message.

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

011

System Trace Audit Number

N6

M

M

Copied from the 0300 message.

023

Card Sequence Number

N3

C

C

Required if present in 0302 message.

039

Response Code

AN2

M

M

■

Indicates the result of the file update request.

■

Valid Value = '00'.

091

File Update Code

AN1

M

M

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

Data Type

Trnsmit

Recv

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

Notes Always ‘0312’.

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February 2011

Chapter 3: Message Formats

91

Table 3.22: 0312 Card Issuer File Update Response (Negative Requirements Bit

ISO Field Name

001

Bit Map, Secondary

002

Primary Account Number

007

Transmission Date & Time

Data Type

Trnsmit

Recv

Notes

b64

M

M

Required if fields specified in DE 065 to DE 128.

LLV N19

M

M

Copied from the 0302 message.

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

011

System Trace Audit Number

N6

M

M

Copied from the 0302 message.

014

Date, Expiration

N4

O

O

YYMM

023

Card Sequence Number

N3

C

C

Present if the field was in the 0302 message.

039

Response Code

AN2

M

M

Must be a value of ‘0’.

044

Additional Response Data

LLV AN25

C

C

STAR SE/W Platform only: In response to the Card-Issuer Processor’s 0302 inquiry, STAR will return the status code for the PAN in the negative file.

062

Issuer Transport Data

LLLV ANS100

C

C

Required if present in 0302 message.

091

File Update Code

AN1

M

M

Copied from the 0302 message.

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February 2011

Chapter 3: Message Formats

92

0322 Negative File Update Advice Table 3.23: 0322 Negative File Update Advice Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

007

Transmission Date & Time

N10

M

011

System Trace Audit Number

N6

M

023

Card Sequence Number

N3

C

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

039

Response Code

AN2

M

■

Presented on Adds, Updates and Deletes.

■

New denial code ‘T6’ indicates when CV Threshold has been reached.

091

File Update Code

AN1

M

‘0322’

MMDDhhmmss

‘1’ = Add ‘2’ = Update ‘3’ = Delete

096

Message Security Code

101

File Name

113

Issuer Institution ID

AN8

M

LLV ANS17

M

‘PI-NEGATIVE’

LLV N12

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Chapter 3: Message Formats

93

0332 Negative File Update Advice Acknowledgement Table 3.24: 0332 Negative File Update Advice Acknowledgement Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

‘0332’

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

007

Transmission Date & Time

N10

M

011

System Trace Audit Number

N6

M

039

Response Code

AN2

M

Must be ‘00’

091

File Update Code

AN1

M

Copied from 0322 message

MMDDhhmmss

0382 PIN Change Request Table 3.25: 0382 PIN Change Request Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

–

Message Type

N4

M

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

007

Transmission Date & Time

N10

M

011

System Trace Audit Number

N6

M

023

Card Sequence Number

N3

C

Notes ‘0382’

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Chapter 3: Message Formats

94

Table 3.25: 0382 PIN Change Request (cont.) Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

091

File Update Code

AN1

M

096

Message Security Code

AN8

M

101

File Name

LLV ANS17

M

113

Card Issuer Identification Code

LLLV AN011

M

124

Additional Data, Private Acq

LLLV AN255

M

Notes ‘2’ = Change

‘PIN CHANGE’

Contains PIN change information.

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February 2011

Chapter 3: Message Formats

95

0392 PIN Change Reply Table 3.26: 0392 PIN Change Reply Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

‘0392’

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

007

Transmission Date & Time

N10

M

011

System Trace Audit Number

N6

M

023

Card Sequence Number

N3

C

039

Response Code

AN2

M

091

File Update Code

AN1

M

‘2’ = Change

101

File Name

LLV ANS17

M

‘PIN CHANGE’

113

Card Issuer Identification Code

LLLV AN011

M

124

Additional Data, Private Acq

LLLV AN255

M

Copied from the 0382 message.

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February 2011

Chapter 3: Message Formats

96

0382 PIN Offset File Update Request Table 3.27: 0382 PIN Offset File Update Request Requirements Bit

ISO Field Names

Data Type

Trnsmit

–

Message Type

N4

M

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

007

Transmission Date & Time

N10

M

011

System Trace Audit Number

N6

M

023

Card Sequence Number

N3

C

091

File Update Code

AN1

M

096

Message Security Code

101

File Name

Recv

Notes ‘0382’

MMDDhhmmss

■

‘1’ = Add

■

‘2’ = Change

■

‘3’ = Delete

AN8

M

Copied from the 0382 message.

LLV ANS17

M

‘OFFSET FILE’ STAR SE/W Platform only: ■

113

Card Issuer Identification Code

LLLV AN011

Values: ◆

‘CH01’ - Cardholder information

◆

‘CH02’ - Track II information

M

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Chapter 3: Message Formats

97

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

ISO Field Names

Data Type

Trnsmit

124

Additional Data, Private Acq

LLLV AN255

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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February 2011

Chapter 3: Message Formats

98

0392 PIN Offset File Update Reply Table 3.28: 0392 PIN Offset File Update Reply Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

007

Transmission Date & Time

N10

M

MMDDhhmmss

011

System Trace Audit Number

N6

M

Same value as is used in 0800 messages.

023

Card Sequence Number

N3

C

039

Response Code

AN2

M

091

File Update Code

AN1

M

096

Message Security Code

AN8

M

101

File Name

LLV ANS17

M

113

Card Issuer Identification Code

LLLV AN011

M

‘0392’

■

‘00’ = Update successful

■

‘25’ = Not found (update/delete only)

■

‘26’ = Already on file (add only)

■

‘29’ = Update not successful

Copied from the 0382 Message

Copied from the 0382 Message

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Chapter 3: Message Formats

99

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

ISO Field Names

Data Type

124

Additional Data, Private Acq

LLLV AN255

Trnsmit

Recv M

Notes Contains PIN offset value. STAR SE/W Platform only: ■

Copied from the 0382 Message

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Chapter 3: Message Formats

100

0382 Card Activation Request Table 3.29: 0382 Card Activation Request Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

M

‘0382’

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

007

Transmission Date & Time

N10

M

M

011

System Trace Audit Number

N6

M

M

091

File Update Code

AN1

M

M

‘2’ = Change

096

Message Security Code

AN8

M

M

Same value as is used in 0800 messages.

101

File Name

LLV ANS17

M

M

‘CARD ACTIVATION’

113

Card Issuer Identification Code

LLLV AN011

M

M

124

Additional Data, Private Acq

LLLV AN255

M

M

Contains Cardholder data.

0392 Card Activation Reply Table 3.30: 0392 Card Activation Reply Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

007

Transmission Date & Time

N10

M

M

011

System Trace Audit Number

N6

M

M

039

Response Code

AN2

M

M

Notes ‘0392’

Copied from 0384 message.

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Chapter 3: Message Formats

101

Table 3.30: 0392 Card Activation Reply (cont.) Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

Notes

AN1

M

M

Copied from 0384 message.

LLV ANS17

O

M

Copied from 0384 message.

091

File Update Code

101

File Name

113

Card Issuer Identification Code

LLLV AN011

O

M

Copied from 0384 message.

124

Additional Data, Private Acq

LLLV AN255

M

M

Copied from 0384 message.

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Chapter 3: Message Formats

102

0384 PIN Change Advice - NE Platform Table 3.31: 0384 PIN Change Advice - NE Platform Requirements Bit

ISO Field Names

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

‘0384’

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

007

Transmission Date & Time

N10

M

011

System Trace Audit Number

N6

M

023

Card Sequence Number

N3

C

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

091

File Update Code

AN1

M

‘2’ = Change

101

File Name

LLV ANS17

M

‘PIN CHANGE’

113

Card Issuer Identification Code

LLLV AN011

M

124

Additional Data, Private Acq

LLLV AN255

M

Contains PIN offset value.

0394 PIN Change Advice Acknowledgement - NE Platform Table 3.32: 0394 PIN Change Acknowledgement - NE Platform Requirements Bit

ISO Field Names

Data Type

Trnsmit

–

Message Type

N4

M

–

Bit Map, Primary

b64

M

001

Bit Map, Secondary

b64

M

002

Primary Account Number

LLV N19

M

Recv

Notes ‘0394’

Copied from 0384 message.

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February 2011

Chapter 3: Message Formats

103

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

ISO Field Names

Data Type

Trnsmit

Recv

Notes

007

Transmission Date & Time

N10

M

011

System Trace Audit Number

N6

M

Copied from 0384 message.

023

Card Sequence Number

N3

C

Required if present in 0384 message.

039

Response Code

AN2

M

Must be ‘00’

091

File Update Code

AN1

M

Copied from 0384 message.

101

File Name

LLV ANS17

O

Copied from 0384 message.

113

Card Issuer Identification Code

LLLV AN011

O

Copied from 0384 message.

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Chapter 3: Message Formats

104

Reversal Messages 0420/0421 Acquirer Reversal Advice Table 3.33: 0420/0421 Acquirer Reversal Advice Requirements Bit –

–

ISO Field Names Message Type

Data Type

Trnsmit

Recv

N4

M

M

Notes ■

‘0420’ for initial transaction.

■

‘0421’ for repeat (STAR SE/W Platform only).

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

C

C

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

002

Primary Account Number

LLV N19

M

C

■

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

M

M

STAR acquirers should copy from the 0110 or 0210. DE 003 may not match that of the 0110 or 0210 for other acquiring networks.

004

Amount, Transaction

N12

M

M

Copied from 02xx or 01xx.

005

Amount, Settlement

N12

C

C

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

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Chapter 3: Message Formats

105

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

ISO Field Names

Data Type

Trnsmit

Recv

Notes

006

Amount, Cardholder Billing

N12

C

C

Multi-currency field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

008

Amount, Cardholder Billing Fee

N8

O

O

Unsupported

009

Conversion Rate, Settlement

N8

C

C

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

010

Conversion Rate, Cardholder Billing

N8

C

C

011

System Trace Audit Number

N6

M

M

Copied from 02xx or 01xx.

012

Time, Local Transaction

N6

M

M

■

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

014

015

016

017

Date, Local Transaction

Date, Expiration

Date, Settlement

Date, Conversion

Date, Capture

N4

N4

N4

N4

N4

M

C

M

C

C

M

C

M

C

C

Required if present in 020x.

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Chapter 3: Message Formats

106

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

ISO Field Names

Data Type

Trnsmit

Recv

Notes

018

Merchant Type

N4

M

C

Copied from 01xx or 02xx.

019

Acquiring Institution Country Code

N3

C

C

Required if not US (840).

022

Point-Of-Service Entry Mode

N3

C

C

■

023

Card Sequence Number

N3

O

O

Required to be returned in a reversal if received on a response message.

025

Point-Of-Service Condition Code

N2

O

O

■

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

X + N8

C

C

Required if present in 01xx or 02xx message.

029

Amount, Settlement Fee

X + N8

C

C

030

Amount, Processing Fee

X + N8

O

O

Unsupported

031

Amount, Settlement Processing Fee

X + N8

O

O

Unsupported

032

Acquiring Institution Identification Code

LLV N11

M

M

Copied from 02xx or 01xx.

033

Sponsor ID

LLV N11

C

035

Track 2 Data

LLV NS37

C

■

Required in ATM transactions if terminal is sponsored by a STAR financial institution.

■

Applicable only on Acquirer side.

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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Chapter 3: Message Formats

107

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

ISO Field Names

Data Type

Trnsmit

Recv

Notes

AN12

M

M

Copied from 02xx or 01xx.

037

Retrieval Reference Number

038

Authorization Identification Response

AN6

C

C

Copied from 0210 or 0110 message, if available.

039

Response Code

AN2

M

M

Copied from 0110 or 0210.

040

Service Restriction Code

AN3

O

O

Unsupported

041

Card Acceptor/Merchant Terminal ID

AN8

M

M

Copied from 02xx or 01xx message.

042

Card Acceptor/Merchant ID Code

ANS15

C

C

Issuers may or may not receive.

043

Card Acceptor/Merchant Name & Location

AN40

C

C

Required to be returned in a reversal if received on a response message.

045

Track 1

LLV ANS76

C

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.

047

Additional Data, National

LLLV

C

See the STAR ISO Gateway/Product Interface Guide.

C

■

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).

048

Merchant/Bank Name

ANS...100 LLLV ANS025

C

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

ISO Field Names

Data Type

Trnsmit

Recv

Notes

049

Currency Code, Transaction

N3

M

M

Copied from 02xx or 01xx.

050

Currency Code, Settlement

N3

C

C

Required if in 02xx or 01xx.

051

Currency Code, Cardholder Billing

N3

C

C

Required if in 02xx or 01xx.

054

Additional Amounts

LLLV ANS120

C

C

Acquirer must send if sent in the original request or if present in the response.

055

Additional Fees

O

■

Only present if required by or transmitted from another network.

■

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

LLLV ANS088

056

Replacement Additional Fees

LLLV ANS088

C

Present for over- or under-dispense reversals that contain a MasterCard Currency Conversion Assessment (CCA) fee.

057

Authorization Life Cycle

LLLV N003

C

C

Required if in 01xx.

058

National Point-Of-Service Condition Code

LLLV N010

M

M

Copied from 010x or 020x.

059

National Point-Of-Service Geographic Data

LLLV AN017

C

O

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

Trnsmit

Recv

LLLV AN006

M

M

AN2

M

M

Required to indicate the presence of the subfields. See Chapter 12 of this guide for additional information.

■

Byte Map

■

Reversal Reason

ANS2

M

M

■

Advice Reason

ANS2

C

C

061

Acquirer Transport Data

LLLV ANS100

O

O

063

STAR Data

LLLV ANS050

M

M

Notes

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

■

Byte Map

AN2

M

M

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

■

Pseudo Terminal

AN6

M

M

■

Issuer Network Identification

AN3

C

C

■

Acquirer Network Identification

AN3

C

C

■

Processor ID

AN6

O

M

Required from 02xx or 01xx.

N2

O

O

Unsupported

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

067

Extended Payment Code

090

Original Data Elements

N42

M

M

Original message type required.

095

Replacement Amounts

AN42

C

C

Required if partial or over dispense occurs. Amount should reflect the actual amount dispensed.

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

ISO Field Names

Data Type

Trnsmit

Recv

Notes

AN25

C

C

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

098

Payer/Payee Data

102

Account Identification 1

LLV ANS28

C

C

103

Account Identification 2

LLV ANS28

C

C

Copied from 0110 or 0210 message, if available.

104

Interchange Group Identifier

LLLV ANS100

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

C

C

ANS255

111

Additional Data, Private Acquirer

LLLV AN255

O

O

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

113

Card Issuer Identification Code

LLLV AN011

O

O

Copied from 0210 or 0110.

120

Account Qualifiers

LLLV AN006

O

C

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Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.) Requirements Bit 122

ISO Field Names Sponsor Bank ID

123

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

125

Network Management Information/Tagged Issuer Data

127

Acquirer Trace ID

Data Type

Trnsmit

LLLV AN011

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.

LLLV ANS255

C

C

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

LLLV ANS56

O

O

■

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.

LLLV ANS100

O

O

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0430 Acquirer Reversal Response Table 3.34: 0430 Acquirer Reversal Response Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

Notes

–

Message Type

N4

M

M

Always ‘0430’

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

C

M

003

Processing Code

N6

M

M

004

Amount, Transaction

N12

M

M

005

Amount, Settlement

N12

C

C

Multi-Currency Field

007

Transmission Date & Time

N10

M

M

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

Copied from the 042x message.

009

Conversion Rate, Settlement

N8

C

C

Multi-Currency Field

011

System Trace Audit Number

N6

M

M

Copied from the 042x message.

012

Time, Local Transaction

N6

M

M

■

Copied from the 042x message.

■

hhmmss

■

Copied from the 042x message.

■

MMDD

013

Date, Local Transaction

015

Date, Settlement

028

N4

M

M

N4

M

M

MMDD

Amount, Transaction Fee

X + N8

C

C

Required if received in the 042x message and amount transaction fee is present.

029

Amount, Settlement Fee

X + N8

C

C

Multi-Currency Field

037

Retrieval Reference Number

AN12

M

M

Copied from the 042x message.

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Table 3.34: 0430 Acquirer Reversal Response (cont.) Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

Notes

AN2

M

M

STAR Issuers must return ‘00’.

C

Used by STAR to provide information to Acquirers about the nature of edit errors in conjunction with Response Code (DE 039) of '30'.

039

Response Code

044

Additional Response Data

049

Currency Code, Transaction

N3

M

M

Copied from the 042x message.

050

Currency Code, Settlement

N3

C

C

Multi-Currency Field

055

Additional Fees

LLLV ANS088

C

C

Required if received in the 0xxx message

061

Acquirer Transport Data

LLLV ANS100

O

C

Required if present in 042x.

063

STAR Data

LLLV ANS050

M

M

LLV AN25

■

Byte Map

AN2

M

M

■

Pseudo Term

AN6

M

M

090

Original Data Elements

N42

M

M

095

Replacement Amounts

AN42

C

C

123

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

LLLV ANS255

O

O

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

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Administrative Messages 0620 Administrative Advice Table 3.35: 0620 Administrative Advice Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

007

Transmission Date & Time

N10

M

M

011

System Trace Audit #

N6

M

M

070

Network Management Information Code

N3

M

M

124

Additional Data, Private

LLLV ANS255

M

M

Notes Always ‘0620’.

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

Always ‘900’.

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Network Management Messages 0800 Network Management Request Table 3.36: 0800 Network Management Request Requirements Bit

ISO Field Name

Data Type

Trnsmit

Recv

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

007

Transmission Date & Time

N10

M

M

011

System Trace Audit #

N6

M

M

070

Network Management Information Code

N3

M

M

096

Message Security Code

AN

M

M

125

Network Management Information

LLLV ANS050

C

C

Notes Always ‘0800’.

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

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

ISO Field Name

Data Type

Trnsmit

Recv

–

Message Type

N4

M

M

–

Bit Map, Primary

b64

M

M

001

Bit Map, Secondary

b64

M

M

007

Transmission Date & Time

N10

M

M

011

System Trace Audit Number

039

Response Code

070

Network Management Information Code

N6

M

M

AN2

M

M

N3

M

M

Notes Always ‘0810’.

■

Updated by each processing end point.

■

Greenwich Mean Time.

■

MMDDhhmmss

Copied from the 0800 message.

Copied from the 0800 message.

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Chapter 4

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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

Description

Alphanumeric Fields

Usage of ASCII or EBCDIC format

Primary (DE 001-064) and Secondary (DE 065-128) Bit Maps

16-byte hexadecimal format or 8-byte binary

Numeric Fields

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

■

072 Message Number

■

073 Date, Action

■

074 Credits, Number

■

075 Credits, Reversal Number

■

076 Debits, Number

■

077 Debits, Reversal Number

■

078 Transfer Number

■

079 Transfer, Reversal Number

■

080 Inquiry Number

■

081 Authorization, Number

■

■

■

083 Credits, Transaction Fee Amount 085 Debits, Transaction Fee Amount

■

082 Credits, Processing Fee Amount 084 Debits, Processing Fee Amount

■

086 Credits, Amount

■

087 Credits, Reversal Amount

■

088 Debits, Amount

■

089 Debits, Reversal Amount

■

092 File Security Code

■

093 Response Indicator

■

094 Service Indicator

■

097 Amount Net Settlement

■

■

106 Large Private Data 2

■

107 Large Private Data 3

■

108 Large Private Data 4

■

109 Reserved For ISO Use

■

110 Reserved For ISO Use

■

112 Reserved For National Use

■

115 Reserved For National Use

■

116 Reserved For National Use

■

117 Reserved For National Use

■

118 Reserved For National Use

■

119 Reserved For National Use

■

128 Message Authentication Code

099 Settlement Institution ID Code

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Data Elements –

–

Message Type STAR Element Format

NP-4

Definition

A four-digit identifier of the type of message.

Processing Rules

■

This data element is required.

■

Message Type identifier must be present as the first field of any message.

Bit Map, Primary STAR Element Format

b-8 bytes or 16 hex bytes if numeric packing option not set.

Definition

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

b-8 bytes or 16 hex bytes if numeric packing option not set.

Definition

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

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

Condition

Acquirer ■

010x,012x,020x

Conditional

Required if PAN is manually entered or Track 2 data is unavailable. Otherwise, optional.

■

0110, 0210

Conditional

Will be returned in response if sent in request.

■

022x, 042x

Required

DE002 must be passed.

■

03xx

Required

Issuer ■

010x, 012x, 020x

Conditional

Will be present if PAN is manually entered or if Track Data is unavailable.

■

0110, 0210

Conditional

Must be returned in response if received in request.

■

022x

Conditional

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

■

042x

Conditional

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

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

NP-6

Definition

A series of digits used to describe the effect of a transaction on the customer account and the accounts affected.

Format

Position 1-2

Transaction Type

Position 3-4

From Account

Position 5-6

To Account

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Processing Rules

Required

■

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.

Position 1-2

‘00’

‘00’ = Goods and Services (Debit)

‘01’

Withdrawal / Cash Advance (Debit)

‘11’

Quasi-Cash (Debit) / Issuer Only

‘17’

Cashed Check

‘20’

Return / Correction (Credit)

‘21’

Deposits (Credit)

‘30’

Available Funds Inquiry

‘31’

PIN’d Account Inquiry (STAR NE platform)

‘33’

PIN-less Account Verification

‘35’

Account List Inquiry (STAR NE platform only)

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003 Processing Code (cont.) Processing Rules (cont.)

Positions 3-4/5-6:

‘39’

Account Balance Profile/PIN-less Account Inquiry

‘40’

Transfer

‘50’

Bill Payment (Debit)/Payment to Third Party

‘54’

Money Transfer Debit

‘55’

Payment from a Third Party (Credit)

‘56’

Money Transfer Credit

‘56’

Payment/Funds Transfer (Credit)

‘58’

Electronic Payment (STAR NE platform only)

‘59’

Payment Enclosed (STAR NE platform only)

‘70

Prepaid Card Load

‘72’

Prepaid Card Activation

‘91’

Statement Processing (STAR NE only)

‘00’

Default (FND)

‘09’

Other (OTH)

‘10’

Savings (SAV)

‘20’

Checking (DDA)

‘30’

Credit (CRD)

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

NP-12

Definition

Funds requested by the cardholder in the local currency of the Acquirer Processor or source location of the transaction, exclusive of all fees.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Processing Rules

Required

■

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 acquirer’s 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

NP-12

Definition

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.

Message Type

Disposition

Condition

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

NP-12

Definition

Amount billed to the cardholder in the currency of the cardholder account, generally exclusive of all fees.

Message Type

Disposition

Condition

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.

■

0110, 0210

Conditional

Should be returned if received.

■

0130, 0230, 0430

Optional

Acquirer ■

■

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

Processing Rules

Conditional

May be received for transactions for non-US cardholders.

Optional

May be sent if received in the 0210 response.

■

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.

◆

Platform Distinction

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.

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

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007 Transmission Date & Time STAR Element Format

NP-10

Definition

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.

Processing Rules

Must be valid 4-position date followed by 6-position time (MMDDhhmmss).

009 Conversion Rate, Settlement STAR Element Format

NP-8

Definition

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).

Format

aBBBBBBB, where:

Message Type

■

a is the decimal position from the right

■

B is the actual conversion factor Disposition

Condition

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

Conditional

Will be sent to U.S. Issuers when value is other than '840'.

■

0110, 0210

Conditional

Should be returned if received.

■

420

Conditional

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.

Processing Rules

None.

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010 Conversion Rate, Cardholder Billing STAR Element Format

NP-8

Definition

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

Message Type

aBBBBBBB, where: ■

a is the decimal position from the right

■

B is the actual conversion factor Disposition

Condition

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.

■

0110, 0210

Conditional

Should be returned if received.

■

0130, 0230, 0430

Optional

Acquirer ■

■

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

Conditional

May be received for transactions for non-US cardholders.

Optional

May be sent if received in the 0210 response.

Processing Rules

DE 010 is passed in requests when DE 006 (Amount, Cardholder Billing) is present. Otherwise it is generally not passed.

Platform Distinction

On the STAR NE Platform, this field is not provided in the online message.

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011 System Trace Audit Number STAR Element Format

NP-6

Definition

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.

Message Type

Disposition

Condition

Acquirer ■

0100, 0200, 0220, 0420

Processing Rules

All must have the same trace number.

Must remain unchanged throughout the Life of the Transaction.

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

NP-6

Definition

The local time at which the transaction takes place at the point of card/check acceptor location.

Message Type

Format

Disposition

Condition

Acquirer ■

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

Processing Rules

Platform Distinction

Valid Time (hhmmss)

Required

■

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.

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

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013 Date, Local Transaction STAR Element Format

NP-4

Definition

The local month and day on which the transaction takes place at the card/check acceptor location.

Message Type

Format

Disposition

Condition

Acquirer ■

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

Processing Rules

Valid Date (MMDD)

Required

■

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

NP-4

Definition

The year and month after which the card expires.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Optional

May be sent if PAN is manually entered and the data is readily available (embossed on card face).

■

0110, 0210

Optional

May be sent if the Card-Issuer Processor wants to receive this element in the reversal for late or unsolicited response.

■

302

Optional

In a 0302 message, this is the record delete date placed on the negative file.

Processing Rules

Valid Date (YYMM).

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015 Settlement Date STAR Element Format

NP-4

Definition

The month and day funds will be transferred between Acquirer Processor and Card-Issuer Processor/Card-Issuer or any intermediate network facility. ■

Message Type

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

Condition

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: ■

Processing Rules

This date is the STAR business date.

Valid Date (MMDD).

016 Date, Conversion STAR Element Format

NP-4

Definition

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.

Message Type

Disposition

Condition

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.

■

0110, 0210

Conditional

Should be returned if received.

■

0130, 0230, 0430

Optional

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016 Date, Conversion (cont.) Acquirer ■

0110, 0210, 0130, 0230, 0430

Processing Rules

Conditional

May be received for transactions for non-US cardholders.

■

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

NP-4

Definition

The month and day the transaction is processed by the Acquirer Processor. This is the Acquirer Processor's calendar day.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Processing Rules

Optional

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

NP-4

Definition

The classification of the merchant’s type of business product or service.

Message Type

Disposition

Condition

Acquirer ■

010x, 012x, 020x, 042x

Required

■

0110, 0210

Optional

May not be present in response.

■

022x

Conditional

■

Required on POS transactions

■

STAR CHEK® Direct: Always required.

Issuer ■

010x, 012x, 020x, 042x

Conditional

May not be present.

■

0110, 0210

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

NP-3

Definition

The code of the country where the acquiring institution is located (see ISO 3166).

Message Type

Disposition

Condition

Acquirer ■

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

Conditional

Required if terminal owner operates terminals in multiple countries.

Issuer ■

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

Conditional

Will be passed if available.

■

110, 0210

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

NP-3

Definition

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.

Message Type

Disposition

Condition

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

Required

■

042x

Conditional

■

Required if included in the original request.

■

Recommended, even if not included in the original request.

Issuer ■

010x, 012x

Required

Will be passed.

■

020x

Conditional

Will be passed if available.

■

0110, 0210

■

■

022x

042x

Values

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

For stand-in advices, will be passed if available.

Required

For pre-authorized completions:

Conditional

Position 1-2

■

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 issuer’s 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’

Unspecified

‘01’

Manual

‘02’

Magnetic Stripe

‘03’

Bar Code

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022 Point-Of-Service Entry Mode (cont.) ‘04’

OCR

‘05’

Integrated Circuit Card

‘06’

Manual (key-entered

‘07’

■

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’

Reserved for ISO use

‘61’-’78’

Reserved for national use

‘79’

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’.

‘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.

‘81’

PAN manual entry via Electronic commerce

‘82’-’89’

Reserved for private use

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022 Point-Of-Service Entry Mode (cont.) ‘90’

Full Magnetic Stripe (optionally supported—must be coordinated with STAR processing)

‘91’

‘92’-’94’ ‘95’

‘96’-’99’ Position 3

Processing Rules

■

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).

Reserved for private use Integrated circuit card, CVV data may be unreliable Reserved for private use

‘0’

Unspecified

‘1’

PIN entry capability

‘2’

No PIN entry capability

‘6’

PIN pad inoperative

‘8’

Terminal has PIN entry capability but PIN pad is out of service

‘9’

PIN verified by terminal device

■

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

NP-3

Definition

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

Disposition

Condition

Acquirer/Issuer ■

010x, 012x, 020x, 022x

Optional

If available and Track 2 is not present.

■

0110, 0210

Optional

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

■

0302

Conditional

Required if a Card-Issuer Processor elects to have the STAR Switch validate the card sequence number during Store & Forward processing.

■

0312, 0332

Conditional

Required if present in the 0302 and 0322 messages.

■

042x

Optional

If available in response.

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

NP-2

Definition

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

Disposition

Condition

Acquirer/Issuer ■

010x, 012x, 020x, 022x

Optional

■

0110, 0210

Optional

■

042x

Optional

Values

‘00’

Normal presentment

‘01’

Customer not present

‘02’

Unattended terminal able to retain card

‘03’

Merchant suspicious

‘04’

Electronic cash register

‘05’

Customer present, card not present Note: May be present in AVS-only requests and CVV2-only requests/advices.

‘06’

Pre-authorized request

‘07’

Telephone device request

‘08’

Mail and/or telephone

‘09’

Security alert

‘10’

Customer identity verified

‘11’

Suspected fraud

‘12’

Security reasons

‘15’

Customer Terminal (home terminal)

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

Platform Distinction

‘16’

Administration terminal

‘27’

Unattended terminal unable to retain card

‘40’

Customer not present, standing order/recurring payment

‘52’

CVC/CVC2, CVV/CVV2 verified and valid

‘53’

CVC/CVC2, CVV/CVV2 verified and invalid

‘54’

Electronic commerce transaction – Nonsecure/Security unknown

‘55’

Electronic transaction – Secure, with cardholder certificate

‘56’

Electronic transaction – Secure, without cardholder certificate

‘57’

Electronic commerce transaction – Channel-encrypted

‘58’

Electronic commerce transaction – Nonsecure/Security unknown

‘59’

Deferred billing

Available on the STAR SE/W Platforms only.

026 Point-Of-Service PIN Capture Code STAR Element Format

NP-2

Definition

Maximum number of PIN characters accepted by the point of sale (POS) device.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

X + N-8

Definition

Convenience fee charged by the Acquirer Processor for a transaction in the currency of Amount, Transaction (DE 004).

Message Type

Disposition

Condition

Acquirer/Issuer ■

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.

■

0130, 0210, 0230, 0430

Conditional

Must be the same value in response as in request.

■

0110

Optional

If the surcharge for pre-authorizations is included in DE 004, then DE 028 can not be sent.

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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

X + N-8

Definition

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).

Message Type

Disposition

Condition

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.

■

010x, 0110, 012x

Optional

Must be the same value in response as in request.

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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

LLV NP-11

Definition

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

Disposition

Condition

Acquirer/Issuer ■

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

Processing Rules

Platform Distinction

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.

■

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.

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033 Sponsor ID STAR Element Format

LLV N-11

Definition

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

Disposition

Condition

ATM Acquirer ■

0200, 0420

Conditional

Required if terminal is sponsored by a STAR financial institution.

■

0210

Conditional

Will be present in replies to echo the field when sent by an Acquirer.

POS Acquirer ■

0100, 0200, 0220, 0420

Optional

Optional if terminal is sponsored by a STAR financial institution.

■

0110, 0210

Conditional

Will be present in replies to echo the field when sent by an Acquirer.

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

LLV NSP-37

Definition

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

Disposition

Condition

Acquirer ■

010x, 012x, 020x

Conditional

Required if card track data is electronically captured.

■

0110, 0210

Conditional

Will be returned in response if in request.

■

022x, 042x

N/A

DE035 must not be passed.

Issuer ■

010x, 012x, 020x

Conditional

Will be sent if available.

■

0110, 0210

Conditional

Must be returned in response if received in request.

■

022x

Conditional

For stand-in advices, will be passed if available. Not passed in pre-authorized completions.

■

042x

Conditional

■

May be sent for switch-generated reversal advices which are due to edit errors found in the issuer’s 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

AN-12

Definition

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

Disposition

Condition

Acquirer/Issuer ■

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

Format

Required

Position 1-4

Position 5-12

Processing Rules

Platform Distinction

■

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.

■

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.

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

AN-6

Definition

Response identification assigned by the issuing institution.

Message Type

Disposition

Condition

Acquirer ■

0120, 0220, 0420

Conditional

Should be sent by acquirer if available.

■

0110, 0210

Conditional

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.

■

0110, 0210

Optional

Optional from Card-Issuer Processor in PIN-based responses for approved transactions.

■

012x, 022x, 042x

Conditional

Will be sent to Issuer if available.

Processing Rules

Platform Distinction

■

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.

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039 Response Code STAR Element Format

AN-2

Definition

A code that defines the disposition of a message.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Required

■

042x

Required

Processing Rules

Must be value from original response.

■

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

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

Condition

Acquirer ■

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

Processing Rules

Required

None

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042 Card Acceptor/Merchant Identification Code STAR Element Format

AN-15

Definition

Code identifying the card acceptor/merchant, which defines the point of the transaction in both local and interchange environments.

Message Type

Disposition

Condition

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.

■

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.

Issuer ■

■

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

0110, 0210

Conditional

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

AN-40

Definition

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 Sender’s Name

■

26-38 “VISA TRANSFER”

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043 Card Acceptor Location (cont.) Message Type

Disposition

Condition

Acquirer ■

010x, 012x, 020x, 022x

Required

■

042x

Conditional

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

Issuer ■

010x, 012x, 020x, 022x

Required

■

0110, 0210

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

LLV AN-25

Definition

Field used to provide additional information in response messages. Specifically, DE 044 is used:

Message Type

■

for format edit responses.

■

for providing additional information in responses.

■

for responses to negative file status inquiries (STAR SE/W only). Disposition

Condition

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

■

■

0430

‘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.

Conditional

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

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.

Issuer ■

0110, 0210

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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

Processing Rules

Conditional

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

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

LLV ANS-76

Definition

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.

Message Type

Disposition

Condition

Issuer ■

010x, 012x, 020x,

Conditional

May be received in transactions acquired from links and gateways.

■

0110, 0210

Conditional

Must be returned in the response if received in the request.

■

022x

Conditional

For stand-in advices, passed if available. Not passed in pre-authorized completions.

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045 Track 1 Data (cont.) ■

042x

Processing Rules

047

Conditional

■

May be sent for switch-generated reversal advices resulting from edit errors found in the issuer’s response message.

■

Will not be sent for acquirer-generated reversals.

STAR Acquirers should not send in DE 045.

Additional Data, National STAR Element Format

LLLVAR ANS…100

Definition

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

Message Type

Disposition

Condition

Acquirer/Issuer ■

0100, 0110, 0200, 0210, 0220, 0420

Format Processing Rules

Conditional

Presence in messages depends on usage.

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

LLLV ANS-025

Definition

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.

Message Type

Disposition

Condition

Acquirer ■

010x, 012x, 020x, 022x

Required

■

0110, 0210

Conditional

■

0420

■

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.

Conditional

Send if available.

Issuer ■

010x, 012x, 020x, 022x

Conditional

Sent to Card-Issuer Processors if available (as non-STAR networks may not send)

■

0110, 0210

Conditional

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

■

0421

Conditional

Will be sent, if available.

Processing Rules

ISO Acquirer Processors should limit the use of special characters.

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049 Currency Code, Transaction STAR Element Format

NP-3

Definition

Code defining the local currency of the acquirer. The currency used in Amount, Transaction (DE 004) and Amount, Transaction Fee (DE 028).

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Processing Rules

Required

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

050 Currency Code, Settlement STAR Element Format

NP-3

Definition

Code defining the currency of Amount, Settlement (DE 005) and Amount, Settlement Fee (DE 029).

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Processing Rules

Conditional

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

■

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

NP-3

Definition

Code defining the currency of Amount, Cardholder Billing (DE 006).

Message Type

Disposition

Condition

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.

■

0110, 0210

Conditional

Should be returned if received.

■

0130, 0230, 0430

Optional

Acquirer ■

■

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

Processing Rules

Platform Distinction

Conditional

May be received for transactions for non-US cardholders.

Optional

May be sent if received in the 0210 response.

■

STAR software does not perform currency conversion.

■

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

Currently, STAR NE does not support this field.

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052 Personal Identification Number (PIN) Data STAR Element Format

Binary, 8 bytes, or 16 hex bytes if numeric packing option not set.

Definition

A number assigned to a cardholder intended to uniquely identify that cardholder at the point of service.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

◆

Processing Rules

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

None

054 Additional Amounts STAR Element Format

LLLV ANS-120

Definition

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.

Message Type

Disposition

Condition

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: ◆

■

STAR NE Platform: ◆

■

022x

Conditional

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.)

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

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.

■

022x

Conditional

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.

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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.

■

■

0110, 0210

Format

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.

Conditional

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

Position 1-2

■

Account Type (AN 2)

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054 Additional Amounts (cont.) Position 3-4

■

Amount Type (AN 2)

Position 5-7

■

Currency Code (N3)

Position 8-20

■

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

Processing Rules

■

Right-justified, zero-filled

■

Assumes 2 decimal places for US dollar amounts.

■

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

LLLV ANS-088

Definition

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.

Message Type

Disposition

Condition

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.

■

0110, 0130, 0210, 0230, 0430

Conditional

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.

Position 1-2

Fee Type

Values

■

‘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

■

‘0’

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.

■

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

LLLV ANS-088

Definition

Used only in support of partial amount reversals. It will be used together with DE 055:

Message Type

■

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

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.

■

0430

Conditional

Required if received in the 0420 reversal. The values must be the same as those received in the reversal.

Position 1-2

Fee Type

Values

■

‘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.)

Processing Rules

Position 5-13

Fee Amount

Position 14-22

Settle Fee Amount

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

■

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

LLLV N-003

Definition

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.

Message Type

Disposition

Condition

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.

■

042x

Required

If provided in the original 0100.

Position 1

Life Cycle Indicator

Format

‘1’ = Calendar Day ‘2’ = Hours ‘3’ = Minutes

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

LLLV N-010

Definition

Provides additional information regarding the disposition of the transaction, customer, terminal.

Message Type

Disposition

Condition

Acquirer/Issuer ■

01xx, 02xx, 04xx

Format

Processing Rules

Required Position 1

Terminal Class - Terminal Operation

Position 2

Terminal Class - Customer Operation

Position 3

Terminal Class - On/Off Premise

Position 4

POS Condition Code - Presentation Data: Cardholder Presence Indicator; Purchase/Order/ Payment Type Indicator

Position 5

POS Condition Code - Presentation Data: Card Presence Indicator

Position 6

POS Condition Code - Presentation Data: Card Retention/Capture Capability Indicator

Position 7

POS Condition Code - Presentation Data: Presentment Indicator

Position 8

Security Condition

Position 9-10

POS Condition Code/Terminal Type

■

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

LLLV AN-017

Definition

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.

Message Type

Disposition

Condition

Acquirer ■

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

Conditional

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

Required if needed in reversal for late or unsolicited response.

Issuer ■

0110, 0210

Optional

■

013x, 023x, 043x

Optional

Format

Position 1-2

State Code (2N)

Position 3-5

County Code (3N)

Position 6-14

Postal Service Code (5-9AN)

Position 15-17

Country Code (3N)

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

Platform Distinction

■

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.

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060 Advice / Reversal Code STAR Element Format

LLLV AN-006

Definition

Defines the reversal and/or advice reason codes.

Message Type

Disposition

Condition

Acquirer/Issuer ■

012x, 022x, 042x

Format

Required Position 1-2

Position 3-4

Position 5-6

Processing Rules

The hexadecimal character representation of a bit map indicating the presence of the following subfields: ■

‘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: ◆

‘80RR’ where RR is a valid reversal code.

◆

‘40AA’ where AA is a valid advice code.

■

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.

■

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 issuer’s behalf

◆

An advice code of ‘AT’ indicates the STAR NE Switch has denied a transaction on the issuer’s 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 processor’s 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

LLLV ANS-100

Definition

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

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Optional

■

0110, 0130, 0210, 0230, 0430

Conditional

Processing Rules

Required if received in request.

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

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062 Issuer Transport Data STAR Element Format

LLLV ANS-100

Definition

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

Message Type

Disposition

Condition

Acquirer/Issuer ■

0302, 0312

Conditional

■

0302, 0312

Optional

Processing Rules

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

■

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

LLLV ANS-050

Definition

This data element provides STAR-defined information.

Format - Fixed Data Length

Description

2

Data Byte Map

Format - Variable Data Length

Byte Map/POS Value

Description

Bit Number

6

1/8

Pseudo Terminal ID

1

3

1/4

Issuer Network ID

2

3

1/2

Acquirer Network ID

3

6

1/1

Processor ID

4

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063 STAR Identification Data (cont.) 2

2/8

Auth Timeout (not used for STAR transactions)

5

15

2/4

Open Account (not used for STAR transactions)

6

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063 STAR Identification Data (cont.) 5

2/2

Processing Flags ■

■

7

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

Message Type

Disposition

Condition

Pseudo Terminal ID Acquirer/Issuer ■

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

0110, 0130, 0210, 0230, 0430

Required

Issuer Network ID Issuer ■

0100, 0120, 0200, 0220, 0420

Optional

■

0110, 0210

Conditional

May be returned in response if received in the request.

Acquirer ■

0110, 0210

Optional

■

0220, 0420

Conditional

May be returned in advice if received in response.

Optional/Mandatory

■

STAR SE/W: Optional for Issuers to receive.

■

STAR NE: Mandatory for Issuers to receive.

Acquirer Network ID Issuer ■

■

0100, 0120, 0200, 0220, 0420

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

Optional

■

0200, 0210

Conditional

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

Issuer

Processing Rules

■

0100, 0110, 0120

Optional

■

0200, 0210, 0220, 0420

Conditional

Required for issuers that support partial authorizations for financial transactions.

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

NP-3

Definition

Used to identify network status in network management messages.

Message Type

Disposition

Condition

Acquirer/Issuer ■

0800, 0810, 0620

Required

Format

■

0800, 0810

Code

Processor Initiated

Switch Initiated

‘005’

Unsupported

Unsupported

‘061’

Signon as Issuer/ Authorizer

Signon as Acquirer Processor

‘071’

Signon as Acquirer

Signon as Issuer Processor

‘062’

Signoff as Issuer/ Auth.

Signoff as Acquirer Processor

‘072’

Signoff as Acquirer

Signoff as Issuer Processor

‘161’

Unsupported

Acquirer working key change

‘171’

Unsupported

Card-Issuer working key change

‘181’

Acquirer Key change request

Not supported

‘191’

Issuer Key change request

Not supported

‘261’

Unsupported

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.)

■

0620

Processing Rules

‘271’

Unsupported

Authorizer/Issuer Processor, End of day

‘272’

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

‘361’

Issuer/Authorizer handshake/echo test

Acquirer Processor handshake/echo test

‘371’

Acquirer Processor handshake/echo test

Issuer handshake echo test

‘900’

Message format syntax error

Message format syntax error

Valid Network Management Code Required.

090 Original Data Elements STAR Element Format

NP-42

Definition

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.

Message Type

Disposition

Condition

Acquirer/Issuer ■

042x, 0430

Format

Required Attribute

Position

Notes

N4

1-4

Original Message Type, echoed from original 010x, 020x or 022x.

N6

5-10

Original System Trace Audit number.

N10

11-20

Original transmission date (DE 013) and time (DE 012).

N11

21-31

Original acquiring institution identification code. Zero-filled if acquired by STAR.

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090 Original Data Elements (cont.) N11

Processing Rules

32-42

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

■

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

AN-1

Definition

Indicates to the Switch which procedure to follow. The following codes are utilized in negative file maintenance at the STAR Switch.

Message Type

Disposition

Condition

Acquirer/Issuer ■

0302, 0312, 0322

Required

Value

Processing Rules

Code

Description

‘1’

Add record

‘2’

Change/Update record

‘3’

Delete record

‘5’

Inquiry

Valid value required for negative file update.

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095 Replacement Amounts STAR Element Format

AN-42

Definition

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.

Message Type

Disposition

Condition

Acquirer/Issuer ■

042x, 0430

Format

Conditional Attribute

Position

Notes

N-12

1-12

Actual Amount, Transaction: the amount dispensed in the currency of the Acquirer Processor if the transaction was acquired internationally.

N-12

13-24

Actual Amount, Settlement: in US currency.

X + N-8

25-33

Actual Amount, Transaction Fee: the transaction fee in the currency of the Acquirer Processor if the transaction was acquired internationally.

X + N-8

34-42

Actual Amount, Settlement Fee.

■

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

AN-8

Definition

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.

Message Type

Disposition

Condition

Acquirer/Issuer Required

STAR CHEK® Direct only: 0302 is not used.

Format

AN-5

Left-justified, blank-filled.

Processing Rules

None

■

0302, 0800

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100 Receiving Institution Identification Code STAR Element Format

LLV NP-9

Definition

Unique to STAR CHEK® Direct. This field is used to determine the authorization entity for routing.

Message Type

Disposition

Condition

Acquirer/Issuer ■

0100, 0120, 0200, 0220, 0420

Required

All STAR CHEK® Direct check transactions.

■

0110, 0210

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

101

Should contain the check’s 9-digit Routing and Transit number.

File Name STAR Element Format

LLV ANS-17

Definition

The actual or abbreviated name of the file being accessed.

Message Type

Disposition

Condition

Acquirer/Issuer ■

0302

Required

■

0322, 0382, 0392

Required

STAR NE Platform only

■

0332, 0392, 0394

Conditional

STAR NE Platform only

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197

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: ◆

■

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

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

LLV ANS-28

Definition

Series of digits used to identify a customer account or relationship. Account Identification 1 is primarily used for the “from” account in a transaction.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Optional

■

020x

Conditional

Will be provided in the request for Co-Operative clients.

■

042x

Conditional

Must be returned by Acquirer if Issuer supplied in the 0110 or 0210 response message.

Processing Rules

None

103 Account Identification 2 STAR Element Format

LLV ANS-28

Definition

Series of digits used to identify a customer account or relationship. Account Identification 2 is primarily used for the “to” account in a transaction.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Optional

■

020x

Conditional

Will be provided in the request for Co-Operative clients.

■

042x

Conditional

Must be returned by Acquirer if Issuer supplied in the 0110 or 0210 response message.

Processing Rules

None

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104 Transaction Description STAR Element Format

LLLV ANS-100

Definition

Data describing additional characteristics of the transaction for billing and other purposes.

Message Type

Disposition

Condition

Acquirer ■

■

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

0110, 0210

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.

Conditional

Will be returned to acquirer if received in request.

Issuer ■

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

Conditional

■

Will be sent to issuer for POS transactions.

■

0110, 0210

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:

Processing Rules

◆

“Y” - Transaction in an aggregated transaction

◆

“N” - Transaction is not an aggregated transaction.

■

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

LLLV ANS-999

Definition

Private issuer-generated data, delivered in a custom format depending on issuer’s usage.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

LLLV AN-255

Definition

This tagged data field is used to carry information from and about the sender of the transaction.

Message Type

Disposition

Condition

Issuer ■

0100, 0120, 0200, 0220, 0420

Optional

Currently supported for certain types of MasterCard acquired transactions.

■

0100, 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)

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

LLLV AN-255

Definition

Private acquirer originated transaction data.

Message Type

Disposition

Condition

Acquirer ■

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

Conditional

Required to convey MasterCard-assigned ID for tiered interchange pricing.

Optional

For STAR Issuers, in certain instances and upon request, STAR can pass DE 111 to convey information received from other networks

Issuer ■

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

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

LLLV N-11

Definition

Authorizing agent institution Routing and Transit Number (FRD-ABA) – identifies the Card-Issuer approving or denying a financial request.

Message Type

Disposition

Condition

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.

■

If transmitted by another Network.

■

STAR CHEK® Direct only: 0220 messages may also use this data element.

Acquirer ■

■

010x, 012x, 020x, 042x

0110, 0210

Processing Rules

Optional

Conditional

Will be passed to acquirer if available.

■

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

LLLV AN-3

Definition

Code identifying the country where the authorizing agent institution is located.

Message Type

Disposition

Condition

Issuer ■

0110, 0210

Optional

Acquirer ■

0110, 0130, 0210, 0230, 0430

Processing Rules

Conditional

May be received for transactions for non-US cardholders.

None

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120 Account Qualifiers 1 and 2 STAR Element Format

LLLV AN-6

Definition

Used to identify account qualifiers in a multiple account transaction.

Message Type

Disposition

Condition

Acquirer/Issuer ■

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

Format

Processing Rules

Optional

3 AN

■

Account Qualifier 1: This sub-element identifies the “from” account involved in a transaction.

3 AN

■

Account Qualifier 2: This sub-element identifies the “to” account involved in a transaction.

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

LLLV ANS...999

Definition

Used to convey issuer-specific data. This data may vary by transaction type, product, or network.

Message Type

Disposition

Condition

For Statement Processing: Acquirer/Issuer ■

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

Varies, depending upon usage.

Processing Rules

■

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

LLLV AN-11

Definition

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.

Message Type

Disposition

Condition

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.

■

0110, 0210

Optional

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

Processing Rules

STAR Acquirers should not send in DE 122.

Platform Distinction

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

◆

Driver’s 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

Disposition

Condition

Acquirer/Issuer ■

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

Conditional

Cash/Check Deposit ■

0100

Conditional

STAR Switch forwards MICR data, if received, for a cashed check transaction.

■

0200, 0220, 0420

Conditional

Issuers must be able to receive and send for cash/check deposit authorizations.

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.

Platform Distinction

STAR NE Platform supports AVS through this data element only in the Tagged Data format.

124 Additional Data, Private STAR Element Format

LLLV ANS-255

Definition

This is a multi-purpose field defined by STAR.

Message Type

Disposition

Condition

Acquirer/Issuer ■

0620

Required

First 255 bytes of message in error; can contain up to the first 255 bytes of the message.

■

0382, 0392

Required

Card Activation and PIN Change/ Offset: Defines the cardholder data to be modified.

■

0384, 0394

Required

Issuer PIN Change Advice: New PIN offset value

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124 Additional Data, Private Format ■

Length

Card Activation

AN 19 AN 5

AN 41 AN 1

Description

Notes

Card Number

Required

Member Number

Conditional: Required if Issuer supports it.

Filler (spaces) Card Activation

■

‘Y’ = Card is active.

■

‘N’ = Card is not active.

■

PIN Offset File Update, PIN Change Advice

N4

PIN Offset

New PIN offset value.

■

PIN Change

N2

Old PIN Indicator

Value = “03” (ANSI PIN block).

b64

Old PIN Block

The old PIN encrypted under the current PIN encryption key.

N2

New PIN Indicator

Value = “03” (ANSI PIN block).

b64

New PIN Block

The new PIN encrypted under the current PIN encryption key.

Processing Rules

None

Platform Distinction

■

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

LLLV ANS-56

Definition

This field is used for dynamic key management or to carry Issuer-related tagged data.

Message Type

Disposition

Condition

Network Management Information Acquirer/Issuer ■

0800, 0810

Conditional

Format

Code ‘20’

‘36’

Processing Rules

Required in 0800 messages with Network Management Code (DE 070) equal to 161 or 171. Description Single DES: ■

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).

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.

None

Message Type

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.

Optional

By special request, can be configured to be sent if available.

Issuer 0100, 0120, 0200, 0220, 0420

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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

Position

Data Length

Format Identifier

1-2

2

■

‘SI’ - STAR Interchange tag

Tag Data Length

3-4

2

■

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

STAR Interchange Value

5-7

Variable 1-3

Description

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

LLLV ANS-100

Definition

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.

Message Type

Disposition

Condition

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

Processing Rules

Optional None

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127 Acquirer Trace Data STAR Element Format

LLLV ANS-100

Definition

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.

Message Type

Disposition

Condition

Acquirer ■

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

Optional

Issuer ■

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

Processing Rules

Optional

For STAR Issuers, in certain cases and upon request, STAR can pass DE 127 in request messages.

See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 7, Data Element 127: Acquirer Trace Data for additional information.

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Part 2: Reference Material

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Data Element Index Data Element by Alphabetical Element Description Table 5.1: Alphabetical Data Element List Element Description

Bit Position

Account Identification 1

102

Account Identification 2

103

Account Qualifiers 1 and 2

120

Acquirer Institution Identification Code (Acquirer ABA)

032

Acquirer Trace Data

127

Acquirer Transport Data

061

Acquiring Institution Country Code

019

Additional Amounts

054

Additional Data ISO (unsupported)

046

Additional Data National

047

Additional Data, Private

111

Additional Data, Private Acquirer

124

Additional Data, Private Issuer

121

Additional Fees

055

Additional Response Data

044

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

123

Advice / Reversal Code

060

Amount Cardholder Billing Fee (unsupported)

008

Amount Cardholder, Billing

006

Amount Net Settlement (unsupported)

097

Amount Transaction

004

Amount, Settlement

005

Amount, Settlement Fee

029

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Table 5.1: Alphabetical Data Element List (cont.) Element Description

Bit Position

Amount, Settlement Processing Fee (unsupported)

031

Amount, Transaction Fee

028

Amount, Transaction Processing Fee (unsupported)

030

Authorization Identification Response

038

Authorization Identification Response Length (unsupported)

027

Authorization Life Cycle

057

Authorization, Number (unsupported)

081

Bit Map Extended (unsupported)

065

Bit Map, Primary

–

Bit Map, Secondary

001

Card Acceptor Identification Code

042

Card Acceptor Name/Location

043

Card Acceptor Terminal Identification

041

Card Issuer Identification Code

113

Card Sequence Number

023

Conversion Rate, Cardholder Billing

010

Conversion Rate, Settlement

009

Country Code, Authorizing Agent

114

Credits, Amount (unsupported)

086

Credits, Number (unsupported)

074

Credits, Processing Fee Amount (unsupported)

082

Credits, Reversal Amount (unsupported)

087

Credits, Reversal Number (unsupported)

075

Credits, Transaction Fee Amount (unsupported)

083

Currency Code, Cardholder Billing

051

Currency Code, Settlement

050

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Table 5.1: Alphabetical Data Element List (cont.) Element Description

Bit Position

Currency Code, Transaction

049

Date, Action (unsupported)

073

Date, Capture

017

Date, Conversion

016

Date, Local Transaction

013

Debits, Amount (unsupported)

088

Debits, Number (unsupported)

076

Debits, Processing Fee Amount (unsupported)

084

Debits, Reversal Amount (unsupported)

089

Debits, Reversal Number (unsupported)

077

Debits, Transaction Fee Amount (unsupported)

085

Expiration Date

014

Extended Payment Code (unsupported)

067

File Name

101

File Security Code (unsupported)

092

File Update Code

091

Forwarding Institution Country Code (unsupported)

021

Forwarding Institution Identification Code (unsupported)

033

Inquiry Number (unsupported)

080

Interchange Group Indicator

104

Issuer Trace Data

126

Issuer Transport Data

062

Large Private Data 1

105

Large Private Data 2 (unsupported)

106

Large Private Data 3 (unsupported)

107

Large Private Data 4 (unsupported)

108

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Table 5.1: Alphabetical Data Element List (cont.) Element Description

Bit Position

Member Institution/Merchant Name

048

Merchant Type

018

Message Authentication Code (MAC) (unsupported)

064

Message Authentication Code (unsupported)

128

Message Number (unsupported)

071

Message Number (unsupported)

072

Message Security Code

096

Message Type

–

National Point-of-Service Condition Code

058

National Point-of-Service Geographic Data

059

Network International Identifier (unsupported)

024

Network Management Information

125

Network Management Information Code

070

Original Data Elements

090

PAN Extended Country Code (unsupported)

020

Payer/Payee Data

098

Personal Identification Number (PIN) Data

052

Point of Service Condition Code

025

Point of Service Entry Mode

022

Point of Service PIN Capture Code

026

Primary Account Number (PAN)

002

Primary Account Number (PAN), Extended (unsupported)

034

Processing Code

003

Receiving Institution Country Code (unsupported)

068

Receiving Institution ID Code

100

Replacement Amounts

095

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Table 5.1: Alphabetical Data Element List (cont.) Element Description

Bit Position

Replacement, Additional Fees

056

Reserved For ISO Use (unsupported)

109

Reserved For ISO Use (unsupported)

110

Reserved For National Use (unsupported)

112

Reserved For National Use (unsupported)

115

Reserved For National Use (unsupported)

116

Reserved For National Use (unsupported)

117

Reserved For National Use (unsupported)

118

Reserved For National Use (unsupported)

119

Response Code

039

Response Indicator (unsupported)

093

Retrieval Reference Number (Terminal Sequence #)

037

Security Related Control Information (unsupported)

053

Service Indicator (unsupported)

094

Service Restriction Code (unsupported)

040

Settlement Code (unsupported)

066

Settlement Date

015

Settlement Institution Country Code (unsupported)

069

Settlement Institution ID Code (unsupported)

099

Sponsor Bank ID

122

STAR Identification Data

063

System Trace Audit Number

011

Time, Local Transaction

012

Track 1 Data

045

Track 2 Data

035

Track 3 Data (unsupported)

036

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Table 5.1: Alphabetical Data Element List (cont.) Element Description

Bit Position

Transfer Number (unsupported)

078

Transfer, Reversal Number (unsupported)

079

Transmission Date & Time

007

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Format Options

Table 6.1: ASCII/EBCDIC Map and Numeric Field Packing Alphanumerics

Data Element Maps

Numeric Fields

Variable Data Fields

ASCII

Packed Maps

Unpacked Numeric

VAR LEN

ASCII

Packed Maps

Packed Numeric

VAR LEN

ASCII

Hex Maps

Unpacked Numeric

VAR LEN

ASCII

Hex Maps

Packed Numeric

VAR LEN

EBCDIC

Packed Maps

Unpacked Numeric

VAR LEN

EBCDIC

Packed Maps

Packed Numeric

VAR LEN

EBCDIC

Hex Maps

Unpacked Numeric

VAR LEN

EBCDIC

Hex Maps

Packed Numeric

VAR LEN

ASCII/EBCDIC Table Table 6.2: ASCII/EBCDIC Characters/Codes dec

hex

binary

ASCII

EBCDIC

0

0x00

0000 0000

NUL

Null

NUL

Null

1

0x01

0000 0001

SOH

Start of Heading (CC)

SOH

Start of Heading

2

0x02

0000 0010

STX

Start of Text (CC)

STX

Start of Text

3

0x03

0000 0011

ETX

End of Text (CC)

ETX

End of Text

4

0x04

0000 0100

EOT

End of Transmission (CC)

PF

Punch Off

5

0x05

0000 0101

ENQ

Enquiry (CC)

HT

Horizontal Tab

6

0x06

0000 0110

ACK

Acknowledge (CC)

LC

Lower Case

7

0x07

0000 0111

BEL

Bell

8

0x08

0000 1000

BS

Backspace (FE)

9

0x09

0000 1001

HT

Horizontal Tabulation (FE)

DEL

Delete

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

10

0x0A

0000 1010

LF

Line Feed (FE)

11

0x0B

0000 1011

VT

Vertical Tabulation (FE)

VT

Vertical Tab

12

0x0C

0000 1100

FF

Form Feed (FE)

FF

Form Feed

13

0x0D

0000 1101

CR

Carriage Return (FE)

CR

Carriage Return

14

0x0E

0000 1110

SO

Shift Out

SO

Shift Out

15

0x0F

0000 1111

SI

Shift In

SI

Shift In

16

0x10

0001 0000

DLE

Data Link Escape (CC)

DLE

Data Link Escape

17

0x11

0001 0001

DC1

Device Control 1

DC1

Device Control 1

18

0x12

0001 0010

DC2

Device Control 2

DC2

Device Control 2

19

0x13

0001 0011

DC3

Device Control 3

TM

Tape Mark

20

0x14

0001 0100

DC4

Device Control 4

RES

Restore

21

0x15

0001 0101

NAK

Negative Acknowledge (CC)

NL

New Line

22

0x16

0001 0110

SYN

Synchronous Idle (CC)

BS

Backspace

23

0x17

0001 0111

ETB

End of Transmission Block (CC)

IL

Idle

24

0x18

0001 1000

CAN

Cancel

25

0x19

0001 1001

EM

26

0x1A

0001 1010

27

0x1B

28

29

SMM

CAN

Start of Manual Message

Cancel

End of Medium

EM

End of Medium

SUB

Substitute

CC

Cursor Control

0001 1011

ESC

Escape

CU1

Customer Use 1

0x1C

0001 1100

FS

File Separator (IS)

IFS

Interchange File Separator

0x1D

0001 1101

GS

Group Separator (IS)

IGS

Interchange Group Separator

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

30

0x1E

0001 1110

RS

Record Separator (IS)

IRS

Interchange Record Separator

31

0x1F

0001 1111

US

Unit Separator (IS)

IUS

Interchange Unit Separator

32

0x20

0010 0000

SP

Space

DS

Digit Select

33

0x21

0010 0001

!

Exclamation Point

SOS

Start of Significance

34

0x22

0010 0010

"

Quotation Mark

35

0x23

0010 0011

#

Number Sign, Octothorp, “pound”

36

0x24

0010 0100

$

Dollar Sign

37

0x25

0010 0101

%

Percent

38

0x26

0010 0110

&

Ampersand

ETB

End of Transmission Block

39

0x27

0010 0111

'

Apostrophe, Prime

ESC

Escape

40

0x28

0010 1000

(

Left Parenthesis

41

0x29

0010 1001

)

Right Parenthesis

42

0x2A

0010 1010

*

Asterisk, “star”

SM

Set Mode

43

0x2B

0010 1011

+

Plus Sign

CU2

Customer Use 2

44

0x2C

0010 1100

,

Comma

45

0x2D

0010 1101

-

Hyphen, Minus Sign

ENQ

Enquiry

46

0x2E

0010 1110

.

Period, Decimal Point, “dot”

ACK

Acknowledge

47

0x2F

0010 1111

/

Slash, Virgule

BEL

Bell

48

0x30

0011 0000

0

0

49

0x31

0011 0001

1

1

FS

BYP LF

Field Separator

Bypass Line Feed

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

50

0x32

0011 0010

2

2

51

0x33

0011 0011

3

3

52

0x34

0011 0100

4

4

PN

Punch On

53

0x35

0011 0101

5

5

RS

Reader Stop

54

0x36

0011 0110

6

6

UC

Upper Case

55

0x37

0011 0111

7

7

EOT

End of Transmission

56

0x38

0011 1000

8

8

57

0x39

0011 1001

9

9

58

0x3A

0011 1010

:

Colon

59

0x3B

0011 1011

;

Semicolon

CU3

Customer Use 3

60

0x3C

0011 1100

<

Less-than Sign

DC4

Device Control 4

61

0x3D

0011 1101

=

Equal Sign

NAK

Negative Acknowledge

62

0x3E

0011 1110

>

Greater-than Sign

63

0x3F

0011 1111

?

Question Mark

SUB

Substitute

64

0x40

0100 0000

@

At Sign

65

0x41

0100 0001

A

A

66

0x42

0100 0010

B

B

67

0x43

0100 0011

C

C

68

0x44

0100 0100

D

D

69

0x45

0100 0101

E

E

70

0x46

0100 0110

F

F

71

0x47

0100 0111

G

G

72

0x48

0100 1000

H

H

73

0x49

0100 1001

I

I

SYN

SP

Synchronous Idle

Space

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

74

0x4A

0100 1010

J

J

¢

Cent Sign

75

0x4B

0100 1011

K

K

.

Period, Decimal Point

76

0x4C

0100 1100

L

L

<

Less-than Sign

77

0x4D

0100 1101

M

M

(

Left Parenthesis

78

0x4E

0100 1110

N

N

+

Plus Sign

79

0x4F

0100 1111

O

O

80

0x50

0101 0000

P

P

&

Ampersand

81

0x51

0101 0001

Q

Q

82

0x52

0101 0010

R

R

83

0x53

0101 0011

S

S

84

0x54

0101 0100

T

T

85

0x55

0101 0101

U

U

86

0x56

0101 0110

V

V

87

0x57

0101 0111

W

W

88

0x58

0101 1000

X

X

89

0x59

0101 1001

Y

Y

90

0x5A

0101 1010

Z

Z

!

Exclamation Point

91

0x5B

0101 1011

[

Opening Bracket

$

Dollar Sign

92

0x5C

0101 1100

\

Reverse Slant

*

Asterisk

93

0x5D

0101 1101

]

Closing Bracket

)

Right Parenthesis

94

0x5E

0101 1110

^

Circumflex, Caret

;

Semicolon

95

0x5F

0101 1111

_

Underline, Underscore

96

0x60

0110 0000

`

Grave Accent

Logical NOT

-

Hyphen, Minus Sign

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

97

0x61

0110 0001

a

a

98

0x62

0110 0010

b

b

99

0x63

0110 0011

c

c

100

0x64

0110 0100

d

d

101

0x65

0110 0101

e

e

102

0x66

0110 0110

f

f

103

0x67

0110 0111

g

g

104

0x68

0110 1000

h

h

105

0x69

0110 1001

i

i

106

0x6A

0110 1010

j

107

0x6B

0110 1011

108

0x6C

109

EBCDIC /

Slash, Virgule

j

|

Logical OR

k

k

,

Comma

0110 1100

l

l

%

Percent

0x6D

0110 1101

m

m

_

Underline, Underscore

110

0x6E

0110 1110

n

n

>

Greater-than Sign

111

0x6F

0110 1111

o

o

?

Question Mark

112

0x70

0111 0000

p

p

113

0x71

0111 0001

q

q

114

0x72

0111 0010

r

r

115

0x73

0111 0011

s

s

116

0x74

0111 0100

t

t

117

0x75

0111 0101

u

u

118

0x76

0111 0110

v

v

119

0x77

0111 0111

w

w

120

0x78

0111 1000

x

x

121

0x79

0111 1001

y

y

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

122

0x7A

0111 1010

z

z

:

Colon

123

0x7B

0111 1011

{

Opening Brace

#

Number Sign, Octothorp, “pound”

124

0x7C

0111 1100

|

Vertical Line

@

At Sign

125

0x7D

0111 1101

}

Closing Brace

'

Apostrophe, Prime

126

0x7E

0111 1110

~

Tilde

=

Equal Sign

127

0x7F

0111 1111

DEL

Delete

"

Quotation Mark

128

0x80

1000 0000

Reserved

129

0x81

1000 0001

Reserved

a

a

130

0x82

1000 0010

Reserved

b

b

131

0x83

1000 0011

Reserved

c

c

132

0x84

1000 0100

IND

Index (FE)

d

d

133

0x85

1000 0101

NEL

Next Line (FE)

e

e

134

0x86

1000 0110

SSA

Start of Selected Area

f

f

135

0x87

1000 0111

ESA

End of Selected Area

g

g

136

0x88

1000 1000

HTS

Horizontal Tabulation Set (FE)

h

h

137

0x89

1000 1001

HTJ

Horizontal Tabulation with Justification (FE)

i

i

138

0x8A

1000 1010

VTS

Vertical Tabulation Set (FE)

139

0x8B

1000 1011

PLD

Partial Line Down (FE)

140

0x8C

1000 1100

PLU

Partial Line Up (FE)

141

0x8D

1000 1101

RI

Reverse Index (FE)

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

142

0x8E

1000 1110

SS2

Single Shift Two (1)

143

0x8F

1000 1111

SS3

Single Shift Three (1)

144

0x90

1001 0000

DCS

Device Control String (2)

145

0x91

1001 0001

PU1

Private Use One

j

j

146

0x92

1001 0010

PU2

Private Use Two

k

k

147

0x93

1001 0011

STS

Set Transmit State

l

l

148

0x94

1001 0100

CCH

Cancel Character

m

m

149

0x95

1001 0101

MW

Message Waiting

n

n

150

0x96

1001 0110

SPA

Start of Protected Area

o

o

151

0x97

1001 0111

EPA

End of Protected Area

p

p

152

0x98

1001 1000

Reserved

q

q

153

0x99

1001 1001

Reserved

r

r

154

0x9A

1001 1010

Reserved

155

0x9B

1001 1011

CSI

Control Sequence Introducer (1)

156

0x9C

1001 1100

ST

String Terminator (2)

157

0x9D

1001 1101

OSC

Operating System Command (2)

158

0x9E

1001 1110

PM

Privacy Message (2)

159

0x9F

1001 1111

APC

Application Program Command (2)

160

0xA0

1010 0000

161

0xA1

1010 0001

~

Tilde

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

162

0xA2

1010 0010

s

s

163

0xA3

1010 0011

t

t

164

0xA4

1010 0100

u

u

165

0xA5

1010 0101

v

v

166

0xA6

1010 0110

w

w

167

0xA7

1010 0111

x

x

168

0xA8

1010 1000

y

y

169

0xA9

1010 1001

z

z

170

0xAA

1010 1010

171

0xAB

1010 1011

172

0xAC

1010 1100

173

0xAD

1010 1101

174

0xAE

1010 1110

175

0xAF

1010 1111

176

0xB0

1011 0000

177

0xB1

1011 0001

178

0xB2

1011 0010

179

0xB3

1011 0011

180

0xB4

1011 0100

181

0xB5

1011 0101

182

0xB6

1011 0110

183

0xB7

1011 0111

184

0xB8

1011 1000

185

0xB9

1011 1001

`

Grave Accent

186

0xBA

1011 1010

187

0xBB

1011 1011

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

188

0xBC

1011 1100

189

0xBD

1011 1101

190

0xBE

1011 1110

191

0xBF

1011 1111

192

0xC0

1100 0000

{

Opening Brace

193

0xC1

1100 0001

A

A

194

0xC2

1100 0010

B

B

195

0xC3

1100 0011

C

C

196

0xC4

1100 0100

D

D

197

0xC5

1100 0101

E

E

198

0xC6

1100 0110

F

F

199

0xC7

1100 0111

G

G

200

0xC8

1100 1000

H

H

201

0xC9

1100 1001

I

I

202

0xCA

1100 1010

203

0xCB

1100 1011

204

0xCC

1100 1100

205

0xCD

1100 1101

206

0xCE

1100 1110

207

0xCF

1100 1111

208

0xD0

1101 0000

}

Closing Brace

209

0xD1

1101 0001

J

J

210

0xD2

1101 0010

K

K

211

0xD3

1101 0011

L

L

212

0xD4

1101 0100

M

M

213

0xD5

1101 0101

N

N

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

214

0xD6

1101 0110

O

O

215

0xD7

1101 0111

P

P

216

0xD8

1101 1000

Q

Q

217

0xD9

1101 1001

R

R

218

0xDA

1101 1010

219

0xDB

1101 1011

220

0xDC

1101 1100

221

0xDD

1101 1101

222

0xDE

1101 1110

223

0xDF

1101 1111

224

0xE0

1110 0000

\

Reverse Slant

225

0xE1

1110 0001

226

0xE2

1110 0010

S

S

227

0xE3

1110 0011

T

T

228

0xE4

1110 0100

U

U

229

0xE5

1110 0101

V

V

230

0xE6

1110 0110

W

W

231

0xE7

1110 0111

X

X

232

0xE8

1110 1000

Y

Y

233

0xE9

1110 1001

Z

Z

234

0xEA

1110 1010

235

0xEB

1110 1011

236

0xEC

1110 1100

237

0xED

1110 1101

238

0xEE

1110 1110

239

0xEF

1110 1111

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.) dec

hex

binary

ASCII

EBCDIC

240

0xF0

1111 0000

0

0

241

0xF1

1111 0001

1

1

242

0xF2

1111 0010

2

2

243

0xF3

1111 0011

3

3

244

0xF4

1111 0100

4

4

245

0xF5

1111 0101

5

5

246

0xF6

1111 0110

6

6

247

0xF7

1111 0111

7

7

248

0xF8

1111 1000

8

8

249

0xF9

1111 1001

9

9

250

0xFA

1111 1010

251

0xFB

1111 1011

252

0xFC

1111 1100

253

0xFD

1111 1101

254

0xFE

1111 1110

255

0xFF

1111 1111

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Check Digit Calculation Modulus 10 Check-Digit Routine Sum the 3-7-1 Weighted Products Step 1:

Multiply the 1st, 4th, and 7th digits by 3.

Step 2:

Multiply the 2nd, 5th, and 8th digits by 7.

Step 3:

Multiply the 3rd and 6th digits by 1.

Step 4:

Add the products of all multiplications.

Step 5:

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

2

2

1

0

0

0

1

×3

×7

×1

×3

×7

×1

×3

×7

3

+ 14

+2

+3

+0

+0

+0

+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).

Step 2:

Add the individual digits that make up the products obtained in Step 1 to the unaffected digits in the original number.

Step 3:

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.

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

9

2

7

3

9

8

7

1

×2

×2

×2

×2

×2

18

4

6

16

2

Step: 2

4

+ 1+8 + 9

+4

+7

Step 3:

Next highest number ending in 0: 70

+6

+9

+ 1+6

+7

+2

= 64

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

ISO Proc Code

Message

Cash Withdrawal from FND

01 00 00

02xx, 04xx

Cash Withdrawal from SAV

01 10 00

02xx, 04xx

Cash Withdrawal from DDA

01 20 00

02xx, 04xx

Cash Advance

01 30 00

02xx, 04xx

Balance Inquiry from SAV

31 10 00

02xx

Balance Inquiry from DDA

31 20 00

02xx

Balance Inquiry from CRD

31 30 00

02xx

Transfer from SAV to DDA

40 10 20

02xx, 04xx

Transfer from DDA to SAV

40 20 10

02xx, 04xx

Notes

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Optional (Issuer/Acquirer) Table 7.2: ATM Optional Proc Codes Description

ISO Proc Code

Message

Notes

Cash Withdrawal from OTH

01 09 00

02xx, 04xx

Deposit to SAV

21 00 10

02xx, 04xx

Deposit to DDA

21 00 20

02xx, 04xx

Deposit to OTH

21 00 09

02xx, 04xx

Balance Inquiry from FND

31 00 00

02xx

Balance Inquiry from OTH

31 09 00

02xx

Account List Inquiry from SAV

35 10 00

0100, 0110

STAR NE Platform only.

Account List Inquiry from DDA

35 20 00

0100, 0110

STAR NE Platform only.

Account List Inquiry from CRD

35 30 00

0100, 0110

STAR NE Platform only.

Account List Inquiry from OTH

35 09 00

0100, 0110

STAR NE Platform only.

Account Balance Profile

39 00 00

02xx

STAR NE Platform only.

Transfer from OTH to SAV

40 09 10

02xx, 04xx

Transfer from OTH to DDA

40 09 20

02xx, 04xx

Transfer from OTH to CRD

40 09 30

02xx, 04xx

Transfer from OTH to OTH

40 09 09

02xx, 04xx

Transfer from SAV to SAV

40 10 10

02xx, 04xx

Transfer from SAV to OTH

40 10 09

02xx, 04xx

Transfer from DDA to OTH

40 20 09

02xx, 04xx

Transfer from DDA to DDA

40 20 20

02xx, 04xx

Transfer from CRD to OTH

40 30 09

02xx, 04xx

Transfer from SAV to CRD

40 10 30

02xx, 04xx

Transfer from DDA to CRD

40 20 30

02xx, 04xx

Transfer from CRD to DDA

40 30 20

02xx, 04xx

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Table 7.2: ATM Optional Proc Codes (cont.) Description

ISO Proc Code

Message

Notes

Bill Payment from FND

50 00 00

02xx, 04xx

STAR NE Platform only.

Bill Payment from SAV

50 10 00

02xx, 04xx

STAR NE Platform only.

Bill Payment from DDA

50 20 00

02xx, 04xx

STAR NE Platform only.

Bill Payment from CRD

50 30 00

02xx, 04xx

STAR NE Platform only.

Bill Payment from OTH

50 09 00

02xx, 04xx

STAR NE Platform only.

Electronic Payment from SAV to CRD

58 10 30

02xx, 04xx

STAR NE Platform only.

Electronic Payment from SAV to OTH

58 10 09

02xx, 04xx

STAR NE Platform only.

Electronic Payment from DDA to CRD

58 20 30

02xx, 04xx

STAR NE Platform only.

Electronic Payment from DDA to OTH

58 20 09

02xx, 04xx

STAR NE Platform only.

Electronic Payment from CRD to CRD

58 30 30

02xx, 04xx

STAR NE Platform only.

Electronic Payment from OTH to CRD

58 09 30

02xx, 04xx

STAR NE Platform only.

Electronic Payment from CRD to OTH

58 30 09

02xx, 04xx

STAR NE Platform only.

Payment Enclosed

59 00 00

02xx, 04xx

STAR NE Platform only.

Statement from SAV

91 10 00

0200, 0210

STAR NE Platform only.

Statement from DDA

91 20 00

0200, 0210

STAR NE Platform only.

Statement from CRD

91 30 00

0200, 0210

STAR NE Platform only.

Statement from OTH

91 09 00

0200, 0210

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

ISO Proc Code

Message

Purchase from FND

00 00 00

02xx, 04xx

Purchase from SAV

00 10 00

02xx, 04xx

Purchase from DDA

00 20 00

02xx, 04xx

Purchase from CRD

00 30 00

02xx, 04xx

Purchase Pre-authorization FND

00 00 00

01xx, 04xx

Purchase Pre-authorization SAV

00 10 00

01xx, 04xx

Purchase Pre-authorization DDA

00 20 00

01xx, 04xx

Purchase Pre-authorization CRD

00 30 00

01xx, 04xx

Pre-authorized purchase completion FND

00 00 00

022x, 042x

Pre-authorized purchase completion SAV

00 10 00

022x, 042x

Pre-authorized purchase completion DDA

00 20 00

022x, 042x

Pre-authorized purchase completion CRD

00 30 00

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.

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Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor (cont.) Description Merchandise Correction to FND

ISO Proc Code

Message

20 00 00

02xx, 04xx

Merchandise Correction to SAV

20 00 10

02xx, 04xx

Merchandise Correction to DDA

20 00 20

02xx, 04xx

Merchandise Correction to CRD

20 00 30

02xx, 04xx

Balance Inquiry from FND

31 00 00

02xx

Balance Inquiry from SAV

31 10 00

02xx

Balance Inquiry from DDA

31 20 00

02xx

Balance Inquiry from CRD

31 30 00

02xx

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.

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.

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Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor (cont.) Description

ISO Proc Code

Message

Payment to Third Party from FND

50 00 00

02xx, 04xx

Payment to Third Party from SAV

50 10 00

02xx, 04xx

Payment to Third Party from DDA

50 20 00

02xx, 04xx

Payment to Third Party from CRD

50 30 00

02xx, 04xx

Payment/Funds Transfer (Credit)

56 00 00

02xx

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.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 7: Data Element 003: Processing Codes

243

Mandatory (Acquirer Only) Table 7.4: POS Mandatory Proc Codes – Acquirer Description

ISO Proc Code

Message

Notes

Stand-alone Purchase from FND

00 00 00

020x, 022x, 042x

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.

Purchase Pre-authorization

00 00 00

01xx, 04xx

Pre-authorized Purchase Completion

00 00 00

022x, 042x

Mandatory if fuel dispense transaction is initiated at the pump.

Optional Table 7.5: POS Optional Proc Codes Description

ISO Proc Code

Message

Purchase to OTH

00 09 00

02xx, 04xx

Purchase Pre-authorization to OTH

00 09 00

01xx, 04xx

Cash Withdrawal from FND (01xx not settled)

01 00 00

01xx, 02xx, 04xx

Cash Advance (not settled)

01 30 00

01xx, 04xx

Merchandise Correction to OTH

20 00 09

02xx, 04xx

Balance Inquiry to OTH

31 09 00

02xx, 04xx

Notes

Currently not supported in STAR (Visa-supported).

Optional for financial institutions participating as Card-Issuer with Cirrus.

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8

244

Data Element 018: Merchant Type 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

Description

0742

Veterinary Services

0763

Agricultural Cooperatives

0780

Horticultural and Landscaping Services

1520

General Contractors—Residential and Commercial

1711

Air Conditioning, Heating, and Plumbing Contractors

1731

Electrical Contractors

1740

Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors

1750

Carpentry Contractors

1761

Roofing and Siding, Sheet Metal Work Contractors

1771

Concrete Work Contractors

1799

Contractors, Special Trade—not elsewhere classified

2741

Miscellaneous Publishing and Printing*

2791

Typesetting, Plate Making, and Related Services*

2842

Sanitation, Polishing, and Specialty Cleaning Preparations

3000

United Airlines—UNITED

3001

American Airlines—AMERICAN

3002

Pan American—PAN AM AIR

3003

Eurofly Air

3004

Dragon Airlines - Dragonair

3005

British Airways—BRITISH AWYS

3006

Japan Air Lines—JAL

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February 2011

Chapter 8: Data Element 018: Merchant Type

245

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3007

Air France—AIR FRAN

3008

Lufthansa—LUFTHAN

3009

Air Canada—AIR CANA

3010

Royal Dutch Airlines (KLM)—KLM

3011

Aeroflot—AEROFLOT

3012

Qantas—QANTAS

3013

Alitalia—ALITALIA

3014

Saudi Arabian Airlines—SAUDI AI

3015

Swiss International Airlines—SWISSINTLAIR

3016

Scandinavian Airline System (SAS)—SAS

3017

South African Airways—SAFRICAN

3018

Varig (Brazil)—VARIG

3019

Germanwings—GRMNWNGSAIR

3020

Air India—AIR-INDI

3021

Air Algerie—AIRALGER

3022

Philippine Airlines—PAL AIR

3023

Mexicana—MEXICANA

3024

Pakistan International—PAKISTAN

3025

Air New Zealand Limited International—AIR NZ

3026

Emirates Airlines—EMIRATES

3027

Union de Transports Aeriens—UTAAIR

3028

Air Malta—AIRMALTA

3029

SN Brussels Airlines—SN BRUSSELS

3030

Aerolineas Argentinas—AERO ARG

3031

Olympic Airways—OLYMPICA

3032

El Al—EL AL

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

246

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3033

Ansett Airlines—ANSETT

3034

Etihad Airways-ETIHADAIR

3035

Tap (Portugal)—TAP

3036

VASP (Brazil)—VASP

3037

EgyptAir—EGYPTAIR

3038

Kuwait Airways—KUWAIT

3039

Avianca—AVIANCA

3040

Gulf Air (Bahrain)—GULF AIR

3041

Balkan—Bulgarian Airlines—BALKAN

3042

Finnair—FINNAIR

3043

Aer Lingus—AERLING

3044

Air Lanka—AIR LANKA

3045

Nigeria Airways—NIGERIA

3046

Cruzerio do Sul (Brazil)—CRUZERIO

3047

THY (Turkey)—THY

3048

Royal Air Maroc—AIRMARO

3049

Tunis Air—TUNIS AI

3050

Icelandair—ICELANDA

3051

Austrian Airlines—AUSTRIAN

3052

LAN Airlines - LAN AIR

3053

AVIACO (Spain)—AVIACO

3054

LADECO (Chile)—LADECO

3055

LAB (Bolivia)—LAB

3058

Delta—DELTA

3059

DBA Airlines—DBA AIR

3060

Northwest Airlines—NWA AIR

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

247

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3061

Continental—CONTINEN

3062

Hapag - Lloyd Express Airlines—HLX AIR

3063

U.S. Airways—USAIRWYS

3064

Adria Airways—ADRIA AIR

3065

Air Inter—AIRINTER

3066

Southwest Airlines—SOUTHWES

3067

Vanguard Airlines—VANGUARD

3068

Air Astana – AIR ASTANA

3071

Air British Columbia—AIR B R C

3072

CEBU PAC - CEBU Pacific Airlines

3075

Singapore Airlines—SINGAPOR

3076

Aeromexico—AEROMEXI

3077

Thai Airways—THAIAIRW

3078

China Airlines—CHINAAIR

3079

Jetstar Airways—JETSTAR

3082

Korean Airlines—KOREAN

3083

Air Afrique—AIRAFRIQUE

3084

Eva Airways—EVA AIR

3085

Midwest Express Airlines—MIDWEST EXP

3087

Metro Airlines—METROAI

3088

Croatia Air—CROATIA AIR

3089

Transaero—TRANSAERO

3090

Uni Airways—UNIAIR

3094

Zambia Airways—ZAMBIA A

3096

Air Zimbabwe—AIRZIMBA

3097

Spanair—SPANAIR

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February 2011

Chapter 8: Data Element 018: Merchant Type

248

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3098

Asiana Airlines—ASIANA AIR

3099

Cathay Pacific—CATHAYPA

3100

Malaysian Airline System—MALAY AI

3102

Iberia—IBERIA

3103

Garuda (Indonesia)—GARUDA

3106

Braathens S.A.F.E. (Norway)—BRAATHEN

3111

British Midland—BRITISH M

3112

Windward Island—WINDWARD

3117

Venezolana International de Aviacion—VIASA

3125

Tan Airlines—TAN AIR

3127

Taca International—TACA INT

3129

Surinam Airways—SURINAM

3130

Sunworld International Airways—SUNWORLD

3131

VLM Airlines—VLM

3132

Frontier Airlines—FRONTIERAIR

3135

Sudan Airways—SUDANAIR

3136

Qatar Airways Company W.L.L.—QATAR AIR

3144

Virgin Atlantic—VIR ATL

3146

Luxair—LUXAIR

3148

Air Littoral, S.A.—LITTORAL

3151

Air Zaire—AIRZAIRE

3156

GO FLY Ltd.—GOFLY

3159

Provincetown-Boston Airways—PBA

3161

All Nippon Airways—ANAAIR

3164

Norontair—NORONTAI

3167

Aero Continente—AEROCONTINENTE

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February 2011

Chapter 8: Data Element 018: Merchant Type

249

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3171

Canadian Airlines—CANADIAN

3172

Nation Air—NATIONAI

3174

JetBlue Airways—JETBLUE

3175

Middle East Air—MIDEASTA

3177

AirTran Airways—AIRTRANAIR

3178

Mesa Air—MESA AIR

3181

Malev Hungarian Airlines—MALEV

3182

LOT - Polish Airlines—LOT

3184

LIAT—LIAT

3185

LAV Linea Aeropostal Venezolana—LAV

3186

LAP Lineas Aereas Paraguayas—LAP

3187

LACSA (Costa Rica)—LACSA

3190

Jugoslav Air—JUGOSLAV

3191

Island Airlines—ISLANDAI

3192

Iran Air—IRANAIR

3193

Indian Airlines—INDIAN A

3196

Hawaiian Air—HAWAIIAN

3197

Havasu Airlines—HAVASUAI

3200

Guyana Airways—GUYANA A

3204

Freedom Airlines—FREEDOM

3206

China Eastern Airlines—CHINEASTAIR

3211

Norwegian Air Shuttle—NORWEGIANAIR

3212

Dominicana de Aviacion—DOMINICA

3213

Malmo Aviation—MALMO AIR

3217

CSA Ceskoslovenske Aerolinie—CSA

3219

Compania Panamena de Aviacion (Copa)—COPA

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

250

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3220

Compania Faucett—COMPANIA

3221

Transportes Aeros Militares Ecuatorianos—TAME AIR

3222

Command Airways—COMMAND

3223

Comair—COMAIR

3226

Skyways Air

3228

Cayman Airways—CAYMANAI

3229

SAETA (Sociedad Ecuatorianas De Transportes Aereo)—SAETAAIR

3231

SAHSA (Servicio Aero de Honduras)—SAHSA

3234

Caribbean Airlines – CARIBBEANAIR

3236

Air Arabia Airline—AIR ARABIA

3239

Bar Harbor Airlines—BARHARBO

3240

Bahamasair—BAHAMASA

3241

Aviateca (Guatemala)—AVIATECA

3242

Avensa—AVENSA

3243

Austrian Air Service—AUSTRAIR

3245

EasyJet Airlines—EASYJET AIR

3246

Ryanair

3247

Gol Airlines—GOL AIR

3248

Tam Airlines—TAM AIR

3252

ALM Antilean Airlines—ALM

3253

America West—AMERWEST

3256

Alaska Airlines Inc.—ALASKA A

3260

Spirit Airlines—SPIRIT AIR

3261

Air China—AIR CHINA

3263

Aero Servicio Carabobo—ASC AIRLINE

3266

Air Seychelles—AIR SEYC

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

251

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3267

Air Panama International—AIR PANA

3280

Air Jamaica—AIR JAMA

3282

Air Djibouti—AIR DJIB

3285

Aero Peru—AEROPERU

3286

Aero. Nicaraguenses—AERO NIC

3287

Aero Coach Aviation—AEROCOAC

3292

Cyprus Airways—CYPRUSA

3293

Ecuatoriana—ECUATORI

3294

Ethiopian Airlines—ETHIOPIA

3295

Kenya Airways—KENYAAIR

3296

Air Berlin - AIR BERLIN

3297

Tarom Romanian Air Transport—TAROM AIR

3298

Air Mauritius—AIRMAURI

3299

Wideroes Flyveselskap—WIDEROES

3351

Affiliated Auto Rental

3352

American International

3353

Brooks Rent A Car

3354

Action Auto Rental

3355

SIXT Car Rental

3357

Hertz

3359

Payless Car Rental

3360

Snappy Car Rental

3361

Airways Rent-A-Car

3362

Altra Auto Rental

3364

Agency Rent-A-Car

3366

Budget Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

252

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3368

Holiday Rent-A-Car

3370

Rent A Wreck

3374

Accent Rent-A-Car

3376

Ajax Rent-A-Car

3380

Triangle Rent A Car

3381

Europ Car

3385

Tropical Rent-A-Car

3386

Showcase Rental Cars

3387

Alamo Rent-A-Car

3389

Avis Rent A Car

3390

Dollar Rent A Car

3391

Europe By Car

3393

National Car Rental

3394

Kemwell Group Rent-A-Car

3395

Thrifty Car Rental

3396

Tilden Rent-A-Car

3398

Econo Car Rent-A-Car

3400

Auto Host Car Rental

3405

Enterprise Rent-A-Car

3409

General Rent-A-Car

3412

A1 Rent-A-Car

3420

ANSA International

3421

Allstate Rent-A-Car

3423

Avcar Rent-A-Car

3425

Automate Rent-A-Car

3427

Avon Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

253

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3428

Carey Rent-A-Car

3429

Insurance Rent-A-Car

3430

Major Rent-A-Car

3431

Replacement Rent-A-Car

3432

Reserve Rent-A-Car

3433

Ugly Duckling Rent-A-Car

3434

USA Rent-A-Car

3435

Value Rent-A-Car

3436

Autohansa Rent-A-Car

3438

Interent Rent-A-Car

3439

Milleville Rent-A-Car

3441

Advantage Rent A Car

3501

Holiday Inns

3502

Best Western Hotels

3503

Sheraton (Sheraton Hotels)

3504

Hilton Hotels

3505

Forte Hotels

3506

Golden Tulip Hotels

3507

Friendship Inns

3508

Quality Inns

3509

Marriott

3510

Days Inns

3511

Arabella Hotels

3512

Intercontinental Hotels

3513

Westin (Westin Hotels)

3514

Amerisuites

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

254

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3515

Rodeway Inns

3516

LaQuinta Inns

3517

Americana Hotels

3518

Sol Hotels

3519

Pullman International Hotels

3520

Meridien Hotels

3522

Tokyo Hotel

3523

Peninsula Hotels

3524

WelcomGroup Hotels

3525

Dunfey Hotels

3526

Prince Hotels

3527

Downtowner Passport

3528

Red Lion Inns

3529

CP (Canadian Pacific) Hotels

3530

Renaissance Hotels

3531

Kauai Coconut Beach Resort—KAUAI COCONUT BEACH RSRT

3532

Royal Kona Resort

3533

Hotel Ibis

3534

Southern Pacific Hotel (Hotel)

3535

Hilton International

3536

AMFAC Hotels

3537

ANA Hotels

3538

Concorde Hotels

3539

Summerfield Suites Hotel

3540

Iberotel Hotels

3541

Hotel Okura

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February 2011

Chapter 8: Data Element 018: Merchant Type

255

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3542

Royal Hotels

3543

Four Seasons Hotels

3544

Ciga Hotels

3545

Shangri-La International

3546

Hotel Sierra

3547

Breakers Resort (Hotel)

3548

Hotels Melia

3549

Auberge des Governeures

3550

Regal 8 Inns

3551

Mirage Hotel and Casino

3552

Coast Hotel

3553

Park Inns International

3554

Pinehurst Resort

3555

Treasure Island Hotel and Casino

3556

Barton Creek Resort

3557

Manhattan East Suite Hotels

3558

Jolly Hotels

3559

Candlewood Suites

3560

Aladdin Resort and Casino

3561

Golden Nugget

3562

Comfort Inns

3563

Journey’s End Motels

3564

Sam’s Town Hotel and Casino

3565

Relax Inns

3566

Garden Place Hotel

3567

Soho Grand Hotel

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

256

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3568

Ladbroke Hotels

3569

Tribeca Grand Hotel

3570

Forum Hotels

3571

Grand Wailea Resort

3572

Miyako Hotel

3573

Sandman Hotels

3574

Venture Inn

3575

Vagabond Hotels

3576

LaQuinta Resort

3577

Mandarin Oriental Hotels

3578

Frankenmuth Bavarian

3579

Hotel Mercure

3580

Hotel Del Coronado

3581

Delta Hotels

3582

California Hotel and Casino

3583

SAS Hotels

3584

Princess Hotels International

3585

Hungar Hotels

3586

Sokos Hotel

3587

Doral Hotels

3588

Helmsley Hotels

3589

Doral Golf Resort

3590

Fairmont Hotels

3591

Sonesta Hotels

3592

Omni Hotels

3593

Cunard Hotels

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February 2011

Chapter 8: Data Element 018: Merchant Type

257

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3594

Arizona Biltmore

3595

Hospitality Inns

3596

Wynn Las Vegas

3597

Riverside Resort Hotel and Casino

3598

Regent International Hotel

3599

Pannonia Hotels

3600

Saddlebrook Resort—Tampa

3601

Trade Winds Resorts

3602

Hudson Hotel

3603

Noah’s Hotel

3604

Hilton Garden Inn

3605

Jurys Doyle Hotel Group

3606

Jefferson Hotel

3607

Fontainebleau Resorts

3608

Gaylord Opryland (Hotel)

3609

Gaylord Palms (Hotel)

3610

Gaylord Texan (Hotel)

3611

C MON INN (Hotel)

3612

Movenpick Hotels

3613

Microtel Inns & Suites (Hotel)

3614

AmericInn (Hotel)

3615

Travelodge

3616

Hermitage Hotel

3617

America’s Best Value Inn (Hotel)

3618

Great Wolf (Hotel)

3619

aloft (Hotel)

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

258

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3620

Binion’s Horseshoe Club

3621

Extended Stay (Hotel)

3622

Merlin Hotel Group

3623

Dorint Hotels

3624

Lady Luck Hotel and Casino

3625

Hotel Universale

3626

Studio Plus (Hotel)

3627

Extended Stay America (Hotel)

3628

Excalibur Hotel and Casino

3629

Dan Hotels

3630

Extended Stay Deluxe (Hotel)

3631

Sleep Inns

3632

Phoenician (Hotel)

3633

Rank Hotels

3634

Swissotel

3635

Reso Hotel

3636

Sarova Hotels

3637

Ramada Inns

3638

Howard Johnson

3639

Mount Charlotte Thistle

3640

Hyatt Hotels

3641

Sofitel Hotels

3642

Novotel Hotels

3643

Steigenberger Hotels

3644

EconoLodges

3645

Queens Moat Houses

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February 2011

Chapter 8: Data Element 018: Merchant Type

259

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3646

Swallow Hotels

3647

Husa Hotels

3648

De Vera Hotels

3649

Radisson Hotels

3650

Red Roof Inns

3651

Imperial London Hotels

3652

Embassy Hotels

3653

Penta Hotels

3654

Loews Hotels

3655

Scandic Hotels

3656

Sara Hotels

3657

Oberoi Hotels

3658

Otani Hotels

3659

Taj Hotels International

3660

Knights Inn

3661

Metropole Hotels

3662

Circus Hotel and Casino

3663

Hoteles El Presidente

3664

Flag Inns

3665

Hampton Inn Hotels

3666

Stakis Hotels

3667

Luxor Hotel and Casino

3668

Maritim Hotels

3669

Eldorado Hotel and Casino

3670

Arcade Hotels

3671

Arctia Hotels

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February 2011

Chapter 8: Data Element 018: Merchant Type

260

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3672

Campanile Hotels

3673

IBUSZ Hotels

3674

Rantasipi Hotels

3675

Interhotel CEDOK

3676

Monte Carlo Hotel and Casino

3677

Climat de France Hotels

3678

Cumulus Hotels

3679

Silver Legacy Hotel and Casino

3680

Hoteis Othan

3681

Adams Mark Hotels

3682

Sahara Hotel and Casino

3683

Bradbury Suites

3684

Budget Hosts Inns

3685

Budgetel Inns

3686

Susse Chalet

3687

Clarion Hotels

3688

Compri Hotels

3689

Consort Hotels

3690

Courtyard by Marriott (Hotel)

3691

Dillon Inn

3692

Doubletree Hotels

3693

Drury Inn

3694

Economy Inns of America

3695

Embassy Suites

3696

Excel Inn

3697

Fairfield Hotels

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261

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3698

Harley Hotels

3699

Midway Motor Lodge

3700

Motel 6

3701

La Mansion Del Rio

3702

Registry Hotels (Hotel)

3703

Residence Inn

3704

Royce Hotels

3705

Sandman Inn

3706

Shilo Inn

3707

Shoney’s Inn

3708

Virgin River Hotel and Casino

3709

Super 8 Motels

3710

The Ritz-Carlton

3711

Flag Inns (Australia)

3712

Buffalo Bill’s Hotel and Casino

3713

Quality Pacific Hotel

3714

Four Seasons (Australia) Hotels

3715

Fairfield Inn

3716

Carlton Hotels

3717

City Lodge Hotels

3718

Karos Hotels

3719

Protea Hotels

3720

Southern Sun Hotels

3721

Conrad Hotels

3722

Wyndham—WYNDHAM

3723

Rica Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

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262

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3724

Inter Nor Hotels

3725

Sea Pines Resort

3726

Rio Suites

3727

Broadmoor Hotel

3728

Ballys Hotel and Casino

3729

John Ascuagas Nugget

3730

MGM Grand Hotel

3731

Harrahs Hotels and Casinos

3732

Opryland Hotel

3734

Harvey Bristol Hotels

3735

Masters Economy Inns

3736

Colorado Belle Edgewater Resort

3737

Riviera Hotel and Casino

3738

Tropicana Resort and Casino

3739

Woodside Hotels and Resorts

3740

TownePlace Suites

3741

Millennium Broadway Hotel

3742

Club Med

3743

Biltmore Hotel and Suites

3744

Carefree Resorts

3745

St. Regis Hotel

3746

Eliot Hotels

3747

Club Corp/Club Resorts

3748

Wellesley Inns

3749

Beverly Hills Hotel (Hotel)

3750

Crowne Plaza Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

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263

Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3751

Homewood Suites

3752

Peabody Hotels

3753

Greenbriar Resorts

3754

Amelia Island Plantation

3755

Homestead (Hotel)

3757

Canyon Ranch

3758

Kahala Mandarin Oriental Hotel

3759

The Orchid at Mauna Lani (Hotel)

3760

Halekulani Hotel/Waikiki Parc

3761

Primadonna Hotel and Casino

3762

Whiskey Pete’s Hotel and Casino

3763

Chateau Elan Winery and Resort

3764

Beau Rivage Hotel and Casino

3765

Bellagio Hotel and Casino

3766

Fremont Hotel and Casino

3767

Main Street Hotel and Casino

3768

Silver Star Hotel and Casino

3769

Stratosphere Hotel and Casino

3770

SpringHill Suites

3771

Caesars Hotel and Casino

3772

Nemacolin Woodlands

3773

Venetian Resort Hotel and Casino (Hotel)

3774

New York, New York Hotel and Casino

3775

Sands Resort

3776

Nevele Grande Resort and Country Club

3777

Mandalay Bay Resort

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3778

Four Points Hotels

3779

W Hotels

3780

Disneyland Hotels

3781

Patricia Grand Resort Hotels (Hotel)

3782

Rosen Hotels and Resorts

3783

Town and Country Resort & Convention Center

3784

First Hospitality Hotels

3785

Outrigger Hotels & Resorts

3786

Ohana Hotels of Hawaii

3787

Caribe Royale Resort Suites & Villas

3788

Ala Moana Hotel

3796

Peppermill Hotel Casino—PEPPERMILL

3798

Embassy Vacation Resort

3799

Hale Koa Hotel

3800

Homestead Suites (Hotel)

3801

Wilderness Hotel and Golf Resort (Hotel)

3802

The Palace Hotel (Hotel)

3803

The Wigwam Golf Resort and Spa (Hotel)

3804

The Diplomat Country Club and Spa (Hotel)

3805

The Atlantic (Hotel)

3806

Princeville Resort (Hotel)

3807

Element (Hotel)

3808

LXR

3809

Settle Inn (Hotel)

3810

La Costa Resort (Hotel)

3811

Premier Inn (Hotel)

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

3812

HYATT PLACE (Hotel)

3813

HOTEL INDIGO (Hotel)

3814

THE ROOSEVELT HOTEL NY (Hotel)

3815

Holiday Inn Nickelodeon

3818

MainStay Suites

3819

Oxford Suites

3820

Jumeirah Essex House

3821

Caribe Royal

3822

Crossland

3823

Grand Sierra Resort

3824

Aria (Aria Resort and Casino)

3825

Vdara (Vdara Hotel and Spa)

4011

Railroads—Freight

4111

Transportation—Suburban and Local Commuter Passenger, including Ferries

4112

Passenger Railways

4119

Ambulance Services

4121

Limousines and Taxicabs

4131

Bus Lines

4214

Motor Freight Carriers, Trucking—Local/Long Distance, Moving and Storage Companies, Local Delivery

4215

Courier Services—Air and Ground, Freight Forwarders

4225

Public Warehousing—Farm Products, Refrigerated Goods, Household Goods Storage

4411

Cruise Lines

4457

Boat Leases and Boat Rentals

4468

Marinas, Marine Service/Supplies

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

4511

Air Carriers, Airlines—not classified elsewhere

4582

Airports, Airport Terminals, Flying Fields

4722

Travel Agencies and Tour Operators

4784

Bridge and Road Fees, Tolls

4789

Transportation Services—not elsewhere classified

4812

Telecommunication Equipment Including Telephone Sales

4813

Key-entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non–face-to-face environment using key entry

4814

Calls placed using magnetic stripe-reading telephones—use a TCC of R

4815

MasterPhone™ Telephone Service—Monthly Summary Telephone Charges

4816

Computer Network/Information Services Wholesale Distributors and Manufacturers are noted by an asterisk.

4821

Telegraph Services

4829

Money Transfer—Merchant

4899

Cable and other Pay Television Services

4900

Utilities—Electric, 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.

5013

Motor Vehicle Supplies and New Parts*

5021

Office and Commercial Furniture*

5039

Construction Materials—not elsewhere classified*

5044

Office, Photographic, Photocopy, and Microfilm Equipment*

5045

Computers, Computer Peripheral Equipment, Software*

5046

Commercial Equipment—not elsewhere classified*

5047

Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies*

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

5051

Metal Service Centers and Offices*

5065

Electrical Parts and Equipment*

5072

Hardware Equipment and Supplies*

5074

Plumbing and Heating Equipment*

5085

Industrial Supplies—not elsewhere classified*

5094

Precious Stones and Metals, Watches and Jewelry*

5099

Durable Goods—not elsewhere classified*

5111

Stationery, Office Supplies, Printing and Writing Paper*

5122

Drugs, Drug Proprietaries, and Druggists Sundries*

5131

Piece Goods, Notions, and Other Dry Goods*

5137

Men’s, Women’s, and Children’s Uniforms and Commercial Clothing*

5139

Commercial Footwear*

5169

Chemicals and Allied Products—not elsewhere classified*

5172

Petroleum and Petroleum Products*

5192

Books, Periodicals and Newspapers*

5193

Florists Supplies, Nursery Stock, and Flowers*

5198

Paints, Varnishes, and Supplies*

5199

Nondurable Goods—not elsewhere classified*

5200

Home Supply Warehouse Stores

5211

Building Materials, Lumber Stores

5231

Glass, Paint, Wallpaper Stores

5251

Hardware Stores

5261

Lawn and Garden Supply Stores

5271

Mobile Home Dealers

5300

Wholesale Clubs

5309

Duty Free Stores

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

5310

Discount Stores

5311

Department Stores

5331

Variety Stores

5399

Miscellaneous General Merchandise

5411

Grocery Stores, Supermarkets

5422

Freezer, Locker Meat Provisioners

5441

Candy, Nut, Confectionery Stores

5451

Dairy Products Stores

5462

Bakeries

5499

Miscellaneous Food Stores—Convenience Stores, Markets, Specialty Stores, and Vending Machines

5511

Automobile and Truck Dealers—Sales, Service, Repairs, Parts, and Leasing

5521

Automobile and Truck Dealers—(Used Only)—Sales

5532

Automotive Tire Stores

5533

Automotive Parts, Accessories Stores

5541

Service Stations (with or without Ancillary Services)

5542

Fuel Dispenser, Automated

5551

Boat Dealers

5561

Camper Dealers, Recreational and Utility Trailers

5571

Motorcycle Shops and Dealers

5592

Motor Home Dealers

5598

Snowmobile Dealers

5599

Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not elsewhere classified

5611

Men’s and Boys’ Clothing and Accessories Stores

5621

Women’s Ready to Wear Stores

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

5631

Women’s Accessory and Specialty Stores

5641

Children’s and Infants’ Wear Stores

5651

Family Clothing Stores

5655

Sports Apparel, Riding Apparel Stores

5661

Shoe Stores

5681

Furriers and Fur Shops

5691

Men’s and Women’s Clothing Stores

5697

Alterations, Mending, Seamstresses, Tailors

5698

Wig and Toupee Shops

5699

Accessory and Apparel Stores—Miscellaneous

5712

Equipment, Furniture, and Home Furnishings Stores (except Appliances)

5713

Floor Covering Stores

5714

Drapery, Upholstery, and Window Coverings Stores

5718

Fireplace, Fireplace Screens and Accessories Stores

5719

Miscellaneous House Furnishing Specialty Shops

5722

Household Appliance Stores

5732

Electronic Sales

5733

Music Stores—Musical Instruments, Pianos, Sheet Music

5734

Computer Software Stores

5735

Record Shops

5811

Caterers

5812

Eating Places, Restaurants

5813

Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns—Drinking Places (Alcoholic Beverages)

5814

Fast Food Restaurants

5912

Drug Stores, Pharmacies

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

5921

Package Stores, Beer, Wine, Liquor

5931

Second Hand Stores, Used Merchandise Stores

5932

Antique Shops—Sales, Repairs, and Restoration Services

5933

Pawn Shops

5935

Salvage and Wrecking Yards

5937

Antique Reproduction Stores

5940

Bicycle Shops—Sales and Service

5941

Sporting Goods Stores

5942

Book Stores

5943

Office, School Supply, and Stationery Stores

5944

Clock, Jewelry, Watch, and Silverware Store

5945

Game, Toy, and Hobby Shops

5946

Camera and Photographic Supply Stores

5947

Card, Gift, Novelty, and Souvenir Shops

5948

Leather Goods and Luggage Stores

5949

Fabric, Needlework, Piece Goods, and Sewing Stores

5950

Crystal and Glassware Stores

5960

Direct Marketing—Insurance Services

5962

Direct Marketing—Travel-Related Arrangement Services

5963

Door-to-Door Sales

5964

Direct Marketing—Catalog Merchants

5965

Direct Marketing—Combination Catalog and Retail Merchants

5966

Direct Marketing—Outbound Telemarketing Merchants

5967

Direct Marketing—Inbound Telemarketing Merchants

5968

Direct Marketing—Continuity/Subscription Merchants

5969

Direct Marketing—Other Direct Marketers—not elsewhere classified

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

5970

Artist Supply Stores, Craft Shops

5971

Art Dealers and Galleries

5972

Stamp and Coin Stores—Philatelic and Numismatic Supplies

5973

Religious Goods Stores

5975

Hearing Aids—Sales, Service, Supply Stores

5976

Orthopedic Goods—Artificial Limb Stores

5977

Cosmetic Stores

5978

Typewriter Stores—Rentals, Sales, Service

5983

Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood

5992

Florists

5993

Cigar Stores and Stands

5994

News Dealers and Newsstands

5995

Pet Shops—Pet Food and Supplies

5996

Swimming Pools—Sales and Supplies

5997

Electric Razor Stores—Sales and Service

5998

Tent and Awning Shops

5999

Miscellaneous and Specialty Retail Stores

6010

Member Financial Institution—Manual Cash Disbursements

6011

Member Financial Institution—Automated Cash Disbursements

6012

Financial Institutions—Merchandise and Services

6050

Quasi Cash—Member Financial Institution

6051

Quasi Cash—Merchant

6211

Securities—Brokers/Dealers

6300

Insurance Sales, Underwriting, and Premiums

6529

Remote Stored Value Load—Member Financial Institution

6530

Remote Stored Value Load—Merchant

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

6531

Payment Service Provider—Payment Transfer for a Purchase

6532

Payment Service Provider—Member Financial Institution—Payment Transaction

6533

Payment Service Provider—Merchant—Payment Transaction

6534

Money Transfer—Member Financial Institution

6535

Value Purchase-Member Financial Institution

7011

Lodging—Hotels, Motels, Resorts—not elsewhere classified

7012

Timeshares

7032

Recreational and Sporting Camps

7033

Campgrounds and Trailer Parks

7210

Cleaning, Garment, and Laundry Services

7211

Laundry Services—Family and Commercial

7216

Dry Cleaners

7217

Carpet and Upholstery Cleaning

7221

Photographic Studios

7230

Barber and Beauty Shops

7251

Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors

7261

Funeral Service and Crematories

7273

Dating and Escort Services

7276

Tax Preparation Service

7277

Debt, Marriage, Personal—Counseling Service

7278

Buying/Shopping Clubs, Services

7296

Clothing Rental—Costumes, Uniforms, and Formal Wear

7297

Massage Parlors

7298

Health and Beauty Spas

7299

Other Services—not elsewhere classified

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

7311

Advertising Services

7321

Consumer Credit Reporting Agencies

7333

Commercial Art, Graphics, Photography

7338

Quick Copy, Reproduction, and Blueprinting Services

7339

Stenographic and Secretarial Support Services

7342

Exterminating and Disinfecting Services

7349

Cleaning and Maintenance, Janitorial Services

7361

Employment Agencies, Temporary Help Services

7372

Computer Programming, Data Processing, and Integrated Systems Design Services

7375

Information Retrieval Services*

7379

Computer Maintenance, Repair, and Services—not elsewhere classified*

7392

Consulting, Management, and Public Relations Services

7393

Detective Agencies, Protective Agencies, Security Services including Armored Cars, Guard Dogs

7394

Equipment Rental and Leasing Services, Furniture Rental, Tool Rental

7395

Photo Developing, Photofinishing Laboratories

7399

Business Services—not elsewhere classified

7511

Truck Stop Transactions

7512

Automobile Rental Agency—not elsewhere classified

7513

Truck Rental

7519

Motor Home and Recreational Vehicle Rental

7523

Automobile Parking Lots and Garages

7531

Automotive Body Repair Shops

7534

Tire Retreading and Repair Shops

7535

Automotive Paint Shops

7538

Automotive Service Shops

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

7542

Car Washes

7549

Towing Services

7622

Electronic Repair Shops

7623

Air Conditioning and Refrigeration Repair Shops

7629

Appliance Repair Shops, Electrical and Small

7631

Clock, Jewelry, and Watch Repair Shops

7641

Furniture—Reupholstery and Repair, Refinishing

7692

Welding Repair

7699

Miscellaneous Repair Shops and Related Services

7829

Motion Picture and Video Tape Production and Distribution*

7832

Motion Picture Theaters

7841

Video Entertainment Rental Stores

7911

Dance Halls, Schools, and Studios

7922

Theatrical Producers (except Motion Pictures), Ticket Agencies

7929

Bands, Orchestras, and Miscellaneous Entertainers—not elsewhere classified

7932

Pool and Billiard Establishments

7933

Bowling Alleys

7941

Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters

7991

Tourist Attractions and Exhibits

7992

Golf Courses, Public

7993

Video Amusement Game Supplies

7994

Video Game Arcades/Establishments

7995

Gambling Transactions

7996

Amusement Parks, Carnivals, Circuses, Fortune Tellers

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

7997

Clubs—Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses

7998

Aquariums, Dolphinariums, and Seaquariums

7999

Recreation Services—not elsewhere classified

8011

Doctors—not elsewhere classified

8021

Dentists, Orthodontists

8031

Osteopathic Physicians

8041

Chiropractors

8042

Optometrists, Ophthalmologists

8043

Opticians, Optical Goods, and Eyeglasses

8049

Chiropodists, Podiatrists

8071

Dental and Medical Laboratories

8099

Health Practitioners, Medical Services—not elsewhere classified

8111

Attorneys, Legal Services

8211

Schools, Elementary and Secondary

8241

Schools, Correspondence

8244

Schools, Business and Secretarial

8249

Schools, Trade and Vocational

8299

Schools and Educational Services—not elsewhere classified

8351

Child Care Services

8398

Organizations, Charitable and Social Service

8641

Associations—Civic, Social, and Fraternal

8651

Organizations, Political

8661

Organizations, Religious

8675

Automobile Associations

8699

Organizations, Membership—not elsewhere classified

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Table 8.1: Merchant Type Codes – Numerical Order (cont.) Code

Description

8734

Testing Laboratories (Non-Medical)*

8911

Architectural, Engineering, and Surveying Services

8931

Accounting, Auditing, and Bookkeeping Services

8999

Professional Services—not elsewhere classified

9211

Court Costs including Alimony and Child Support

9222

Fines

9223

Bail and Bond Payments

9311

Tax Payments

9399

Government Services—not elsewhere classified

9402

Postal Services—Government Only

9405

Intra-Government Purchases—Government Only

9751

U.K. Supermarkets, Electronic Hot File

9752

U.K. Petrol Stations, Electronic Hot File

9754

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

Description

3412

A1 Rent-A-Car

3374

Accent Rent-A-Car

5699

Accessory and Apparel Stores—Miscellaneous

8931

Accounting, Auditing, and Bookkeeping Services

3354

Action Auto Rental

3681

Adams Mark Hotels

3064

Adria Airways—ADRIA AIR

3441

Advantage Rent A Car

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

7311

Advertising Services

3043

Aer Lingus—AERLING

3287

Aero Coach Aviation—AEROCOAC

3167

Aero Continente—AEROCONTINENTE

3285

Aero Peru—AEROPERU

3263

Aero Servicio Carabobo—ASC AIRLINE

3286

Aero. Nicaraguenses—AERO NIC

3011

Aeroflot—AEROFLOT

3030

Aerolineas Argentinas—AERO ARG

3076

Aeromexico—AEROMEXI

3351

Affiliated Auto Rental

3364

Agency Rent-A-Car

0763

Agricultural Cooperatives

3083

Air Afrique—AIRAFRIQUE

3021

Air Algerie—AIRALGER

3236

Air Arabia Airline—AIR ARABIA

3068

Air Astana – AIR ASTANA

3296

Air Berlin - AIR BERLIN

3071

Air British Columbia—AIR B R C

3009

Air Canada—AIR CANA

4511

Air Carriers, Airlines—not elsewhere classified

3261

Air China—AIR CHINA

7623

Air Conditioning and Refrigeration Repair Shops

1711

Air Conditioning, Heating, and Plumbing Contractors

3282

Air Djibouti—AIR DJIB

3007

Air France—AIR FRAN

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3020

Air India—AIR-INDI

3065

Air Inter—AIRINTER

3280

Air Jamaica—AIR JAMA

3044

Air Lanka—AIR LANKA

3148

Air Littoral, S.A.—LITTORAL

3028

Air Malta—AIRMALTA

3298

Air Mauritius—AIRMAURI

3025

Air New Zealand Limited International—AIR NZ

3267

Air Panama International—AIR PANA

3266

Air Seychelles—AIR SEYC

3151

Air Zaire—AIRZAIRE

3096

Air Zimbabwe—AIRZIMBA

4582

Airports, Airport Terminals, Flying Fields

3177

AirTran Airways—AIRTRANAIR

3361

Airways Rent-A-Car

3376

Ajax Rent-A-Car

3788

Ala Moana Hotel

3560

Aladdin Resort and Casino

3387

Alamo Rent-A-Car

3256

Alaska Airlines Inc.—ALASKA A

3013

Alitalia—ALITALIA

3161

All Nippon Airways—ANAAIR

3421

Allstate Rent-A-Car

3252

ALM Antilean Airlines—ALM

3619

aloft (Hotel)

5697

Alterations, Mending, Seamstresses, Tailors

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3362

Altra Auto Rental

4119

Ambulance Services

3754

Amelia Island Plantation

3253

America West—AMERWEST

3617

America’s Best Value Inn (Hotel)

3001

American Airlines—AMERICAN

3352

American International

3517

Americana Hotels

3614

AmericInn (Hotel)

3514

Amerisuites

3536

AMFAC Hotels

7996

Amusement Parks, Carnivals, Circuses, Fortune Tellers

3537

ANA Hotels

3420

ANSA International

3033

Ansett Airlines—ANSETT

5937

Antique Reproduction Stores

5932

Antique Shops—Sales, Repairs, and Restoration Services

7629

Appliance Repair Shops, Electrical and Small

7998

Aquariums, Dolphinariums, and Seaquariums

3511

Arabella Hotels

3670

Arcade Hotels

8911

Architectural, Engineering, and Surveying Services

3671

Arctia Hotels

3824

Aria (Aria Resort and Casino)

3594

Arizona Biltmore

5971

Art Dealers and Galleries

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

5970

Artist Supply Stores, Craft Shops

3098

Asiana Airlines—ASIANA AIR

8641

Associations—Civic, Social, and Fraternal

7941

Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters

8111

Attorneys, Legal Services

3549

Auberge des Governeures

3243

Austrian Air Service—AUSTRAIR

3051

Austrian Airlines—AUSTRIAN

3400

Auto Host Car Rental

3436

Autohansa Rent-A-Car

3425

Automate Rent-A-Car

5521

Automobile and Truck Dealers—(Used Only)—Sales

5511

Automobile and Truck Dealers—Sales, Service, Repairs, Parts, and Leasing

8675

Automobile Associations

7523

Automobile Parking Lots and Garages

7512

Automobile Rental Agency—not elsewhere classified

7531

Automotive Body Repair Shops

7535

Automotive Paint Shops

5533

Automotive Parts, Accessories Stores

7538

Automotive Service Shops

5532

Automotive Tire Stores

3423

Avcar Rent-A-Car

3242

Avensa—AVENSA

3053

AVIACO (Spain)—AVIACO

3039

Avianca—AVIANCA

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3241

Aviateca (Guatemala)—AVIATECA

3389

Avis Rent A Car

3427

Avon Rent-A-Car

3240

Bahamasair—BAHAMASA

9223

Bail and Bond Payments

5462

Bakeries

3041

Balkan—Bulgarian Airlines—BALKAN

3728

Ballys Hotel and Casino

7929

Bands, Orchestras, and Miscellaneous Entertainers—not elsewhere classified

3239

Bar Harbor Airlines—BARHARBO

7230

Barber and Beauty Shops

5813

Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns—Drinking Places (Alcoholic Beverages)

3556

Barton Creek Resort

3764

Beau Rivage Hotel and Casino

3765

Bellagio Hotel and Casino

3502

Best Western Hotels

3749

Beverly Hills Hotel (Hotel)

5940

Bicycle Shops—Sales and Service

3743

Biltmore Hotel and Suites

3620

Binion’s Horseshoe Club

5551

Boat Dealers

4457

Boat Leases and Boat Rentals

5942

Book Stores

5192

Books, Periodicals and Newspapers*

7933

Bowling Alleys

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3106

Braathens S.A.F.E. (Norway)—BRAATHEN

3683

Bradbury Suites

3547

Breakers Resort (Hotel)

4784

Bridge and Road Fees, Tolls

3005

British Airways—BRITISH AWYS

3111

British Midland—BRITISH M

3727

Broadmoor Hotel

3353

Brooks Rent A Car

3684

Budget Hosts Inns

3366

Budget Rent-A-Car

3685

Budgetel Inns

3712

Buffalo Bill’s Hotel and Casino

5211

Building Materials, Lumber Stores

4131

Bus Lines

7399

Business Services—not elsewhere classified

7278

Buying/Shopping Clubs, Services

3611

C MON INN

4899

Cable and other Pay Television Services

3771

Caesars Hotel and Casino

3582

California Hotel and Casino

4814

Calls placed using magnetic stripe-reading telephones—use a TCC of R

5946

Camera and Photographic Supply Stores

3672

Campanile Hotels

5561

Camper Dealers, Recreational and Utility Trailers

7033

Campgrounds and Trailer Parks

3171

Canadian Airlines—CANADIAN

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

283

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3559

Candlewood Suites

5441

Candy, Nut, Confectionery Stores

3757

Canyon Ranch

7542

Car Washes

5947

Card, Gift, Novelty, and Souvenir Shops

3744

Carefree Resorts

3428

Carey Rent-A-Car

3234

Caribbean Airlines – CARIBBEANAIR

3821

Caribe Royale

3787

Caribe Royale Resort Suites & Villas

3716

Carlton Hotels

1750

Carpentry Contractors

7217

Carpet and Upholstery Cleaning

5811

Caterers

3099

Cathay Pacific—CATHAYPA

3228

Cayman Airways—CAYMANAI

3072

CEBU PAC-CEBU Pacific Airlines

3763

Chateau Elan Winery and Resort

5169

Chemicals and Allied Products—not elsewhere classified*

8351

Child Care Services

5641

Children’s and Infants’ Wear Stores

3078

China Airlines—CHINAAIR

3206

China Eastern Airlines—CHINEASTAIR

8049

Chiropodists, Podiatrists

8041

Chiropractors

3544

Ciga Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

284

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

5993

Cigar Stores and Stands

3662

Circus Circus Hotel and Casino

3717

City Lodge Hotels

3687

Clarion Hotels

7349

Cleaning and Maintenance, Janitorial Services

7210

Cleaning, Garment, and Laundry Services

3677

Climat de France Hotels

7631

Clock, Jewelry, and Watch Repair Shops

5944

Clock, Jewelry, Watch, and Silverware Store

7296

Clothing Rental—Costumes, Uniforms, and Formal Wear

3747

Club Corp/Club Resorts

3742

Club Med

7997

Clubs—Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses

3552

Coast Hotel

3736

Colorado Belle Edgewater Resort

3223

Comair—COMAIR

3562

Comfort Inns

3222

Command Airways—COMMAND

7333

Commercial Art, Graphics, Photography

5046

Commercial Equipment—not elsewhere classified*

5139

Commercial Footwear*

3220

Compania Faucett—COMPANIA

3219

Compania Panamena de Aviacion (Copa)—COPA

3688

Compri Hotels

7379

Computer Maintenance, Repair, and Services—not elsewhere classified*

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February 2011

Chapter 8: Data Element 018: Merchant Type

285

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

4816

Computer Network/Information Services Wholesale Distributors and Manufacturers are noted by an asterisk.

7372

Computer Programming, Data Processing, and Integrated Systems Design Services

5734

Computer Software Stores

5045

Computers, Computer Peripheral Equipment, Software*

3538

Concorde Hotels

1771

Concrete Work Contractors

3721

Conrad Hotels

3689

Consort Hotels

5039

Construction Materials—not elsewhere classified*

7392

Consulting, Management, and Public Relations Services

7321

Consumer Credit Reporting Agencies

3061

Continental—CONTINEN

1799

Contractors, Special Trade—not elsewhere classified

5977

Cosmetic Stores

4215

Courier Services—Air and Ground, Freight Forwarders

9211

Court Costs including Alimony and Child Support

3690

Courtyard by Marriott (Hotel)

3529

CP (Canadian Pacific) Hotels

3088

Croatia Air—CROATIA AIR

3822

Crossland

3750

Crowne Plaza Hotels

4411

Cruise Lines

3046

Cruzerio do Sul (Brazil)—CRUZERIO

5950

Crystal and Glassware Stores

3217

CSA Ceskoslovenske Aerolinie—CSA

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

286

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3678

Cumulus Hotels

3593

Cunard Hotels

3292

Cyprus Airways—CYPRUSA

5451

Dairy Products Stores

3629

Dan Hotels

7911

Dance Halls, Schools, and Studios

7273

Dating and Escort Services

3510

Days Inns

3059

DBA Airlines—DBA AIR

3648

De Vera Hotels

7277

Debt, Marriage, Personal—Counseling Service

3581

Delta Hotels

3058

Delta—DELTA

8071

Dental and Medical Laboratories

5047

Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies*

8021

Dentists, Orthodontists

5311

Department Stores

7393

Detective Agencies, Protective Agencies, Security Services including Armored Cars, Guard Dogs

3691

Dillon Inn

5964

Direct Marketing—Catalog Merchants

5965

Direct Marketing—Combination Catalog and Retail Merchants

5968

Direct Marketing—Continuity/Subscription Merchants

5967

Direct Marketing—Inbound Telemarketing Merchants

5960

Direct Marketing—Insurance Services

5969

Direct Marketing—Other Direct Marketers—not elsewhere classified

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

287

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

5966

Direct Marketing—Outbound Telemarketing Merchants

5962

Direct Marketing—Travel-Related Arrangement Services

5310

Discount Stores

3780

Disneyland Hotels

8011

Doctors—not elsewhere classified

3390

Dollar Rent A Car

3212

Dominicana de Aviacion—DOMINICA

5963

Door-to-Door Sales

3589

Doral Golf Resort

3587

Doral Hotels

3623

Dorint Hotels

3692

Doubletree Hotels

3527

Downtowner Passport

3004

Dragon Airlines - Dragonair

5714

Drapery, Upholstery, and Window Coverings Stores

5912

Drug Stores, Pharmacies

5122

Drugs, Drug Proprietaries, and Druggists Sundries*

3693

Drury Inn

7216

Dry Cleaners

3525

Dunfey Hotels

5099

Durable Goods—not elsewhere classified*

5309

Duty Free Stores

3245

EasyJet Airlines—EASYJET AIR

5812

Eating Places, Restaurants

3398

Econo Car Rent-A-Car

3644

EconoLodges

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

288

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3694

Economy Inns of America

3293

Ecuatoriana—ECUATORI

3037

EgyptAir—EGYPTAIR

3032

El Al—EL AL

3669

Eldorado Hotel and Casino

5997

Electric Razor Stores—Sales and Service

1731

Electrical Contractors

5065

Electrical Parts and Equipment*

7622

Electronic Repair Shops

5732

Electronic Sales

3807

Element (Hotel)

3746

Eliot Hotels

3652

Embassy Hotels

3695

Embassy Suites

3798

Embassy Vacation Resort

3026

Emirates Airlines—EMIRATES

7361

Employment Agencies, Temporary Help Services

3405

Enterprise Rent-A-Car

7394

Equipment Rental and Leasing Services, Furniture Rental, Tool Rental

5712

Equipment, Furniture, and Home Furnishings Stores (except Appliances)

3294

Ethiopian Airlines—ETHIOPIA

3034

Etihad Airways-ETIHADAIR

3003

Eurofly Air

3381

Europ Car

3391

Europe By Car

3084

Eva Airways—EVA AIR

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

289

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3628

Excalibur Hotel and Casino

3696

Excel Inn

3621

Extended Stay (Hotel)

3627

Extended Stay America (Hotel)

3630

Extended Stay Deluxe (Hotel)

7342

Exterminating and Disinfecting Services

5949

Fabric, Needlework, Piece Goods, and Sewing Stores

3697

Fairfield Hotels

3715

Fairfield Inn

3590

Fairmont Hotels

5651

Family Clothing Stores

5814

Fast Food Restaurants

6012

Financial Institutions—Merchandise and Services

9222

Fines

3042

Finnair—FINNAIR

5718

Fireplace, Fireplace Screens and Accessories Stores

3784

First Hospitality Hotels

3664

Flag Inns

3711

Flag Inns (Australia)

5713

Floor Covering Stores

5992

Florists

5193

Florists Supplies, Nursery Stock, and Flowers*

3607

Fontainebleau Resort

3505

Forte Hotels

3570

Forum Hotels

3778

Four Points Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

290

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3714

Four Seasons (Australia) Hotels

3543

Four Seasons Hotels

3578

Frankenmuth Bavaria

3204

Freedom Airlines—FREEDOM

5422

Freezer, Locker Meat Provisioners

3766

Fremont Hotel and Casino

3507

Friendship Inns

3132

Frontier Airlines—FRONTIER AIR

5983

Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood

5542

Fuel Dispenser, Automated

7261

Funeral Service and Crematories

7641

Furniture—Reupholstery and Repair, Refinishing

5681

Furriers and Fur Shops

9754

Gambling - Horse Racing, Dog Racing, State Lotteries

7995

Gambling Transactions

5945

Game, Toy, and Hobby Shops

3566

Garden Place Hotel

3103

Garuda (Indonesia)—GARUDA

3608

Gaylord Opryland

3609

Gaylord Palms

3610

Gaylord Texan

1520

General Contractors—Residential and Commercial

3409

General Rent-A-Car

3019

Germanwings—GRMNWNGSAIR

5231

Glass, Paint, Wallpaper Stores

3156

GO FLY Ltd.—GOFLY

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

291

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3247

Gol Airlines—GOL

3561

Golden Nugget

3506

Golden Tulip Hotels

7992

Golf Courses, Public

9399

Government Services—not elsewhere classified

3823

Grand Sierra Resort

3571

Grand Wailea Resort

3618

Great Wolf (Hotel)

3753

Greenbriar Resorts

5411

Grocery Stores, Supermarkets

3040

Gulf Air (Bahrain)—GULF AIR

3200

Guyana Airways—GUYANA A

3799

Hale Koa Hotel

3760

Halekulani Hotel/Waikiki Parc

3665

Hampton Inn Hotels

3062

Hapag - Lloyd Express Airlines—HLX AIR

5072

Hardware Equipment and Supplies*

5251

Hardware Stores

3698

Harley Hotels

3731

Harrahs Hotels and Casinos

3734

Harvey Bristol Hotels

7251

Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors

3197

Havasu Airlines—HAVASUAI

3196

Hawaiian Air—HAWAIIAN

7298

Health and Beauty Spas

8099

Health Practitioners, Medical Services—not elsewhere classified

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

292

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

5975

Hearing Aids—Sales, Service, Supply Stores

3588

Helmsley Hotels

3616

Hermitage Hotel

3357

Hertz

3604

Hilton Garden Inn

3504

Hilton Hotels

3535

Hilton International

3501

Holiday Inns

3815

Holiday Inn Nickelodeon

3368

Holiday Rent-A-Car

5200

Home Supply Warehouse Stores

3755

Homestead (Hotel)

3800

Homestead Suites (Hotel)

3751

Homewood Suites

0780

Horticultural and Landscaping Services

3595

Hospitality Inns

3680

Hoteis Othan

3580

Hotel Del Coronado

3533

Hotel Ibis

3813

Hotel Indigo (Hotel)

3579

Hotel Mercure

3541

Hotel Okura

3546

Hotel Sierra

3625

Hotel Universale

3663

Hoteles El Presidente

3548

Hotels Melia

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

293

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

5722

Household Appliance Stores

3638

Howard Johnson

3602

Hudson Hotel

3585

Hungar Hotels

3647

Husa Hotels

3640

Hyatt Hotels

3812

Hyatt Place (Hotel)

3102

Iberia—IBERIA

3540

Iberotel Hotels

3673

IBUSZ Hotels

3050

Icelandair—ICELANDA

3651

Imperial London Hotels

3193

Indian Airlines—INDIAN A

5085

Industrial Supplies—not elsewhere classified*

7375

Information Retrieval Services*

1740

Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors

3429

Insurance Rent-A-Car

6300

Insurance Sales, Underwriting, and Premiums

3724

Inter Nor Hotels

3512

Intercontinental Hotels

3438

Interent Rent-A-Car

3675

Interhotel CEDOK

9405

Intra-Government Purchases—Government Only

3192

Iran Air—IRANAIR

3191

Island Airlines—ISLANDAI

3006

Japan Air Lines—JAL

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

294

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3606

Jefferson Hotel

3174

JetBlue Airways—JETBLUE

3079

Jetstar Airways—JETSTAR

3729

John Ascuagas Nugget

3558

Jolly Hotels

3563

Journey’s End Motels

3190

Jugoslav Air—JUGOSLAV

3820

Jumeirah Essex House

3605

Jurys Doyle Hotel Group

3758

Kahala Mandarin Oriental Hotel

3718

Karos Hotels

3531

Kauai Coconut Beach Resort—KAUAI COCONUT BEACH RSRT

3394

Kemwell Group Rent-A-Car

3295

Kenya Airways—KENYAAIR

4813

Key-entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non–face-to-face environment using key entry

3660

Knights Inn

3082

Korean Airlines—KOREAN

3038

Kuwait Airways—KUWAIT

3810

La Costa Resort (Hotel)

3701

La Mansion Del Rio

3055

LAB (Bolivia)—LAB

3187

LACSA (Costa Rica)—LACSA

3568

Ladbroke Hotels

3054

LADECO (Chile)—LADECO

3624

Lady Luck Hotel and Casino

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

295

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3052

LAN Airlines - LAN AIR

3186

LAP Lineas Aereas Paraguayas—LAP

3516

LaQuinta Inns

3576

LaQuinta Resort

7211

Laundry Services—Family and Commercial

3185

LAV Linea Aeropostal Venezolana—LAV

5261

Lawn and Garden Supply Stores

5948

Leather Goods and Luggage Stores

3184

LIAT—LIAT

4121

Limousines and Taxicabs

7011

Lodging—Hotels, Motels, Resorts—not elsewhere classified

3654

Loews Hotels

3182

LOT - Polish Airlines—LOT

3808

LXR

3008

Lufthansa—LUFTHAN

3146

Luxair—LUXAIR

3667

Luxor Hotel and Casino

3818

MainStay Suites

3767

Main Street Hotel and Casino

3430

Major Rent-A-Car

3100

Malaysian Airline System—MALAY AI

3181

Malev Hungarian Airlines—MALEV

3213

Malmo Aviation—MALMO AIR

3777

Mandalay Bay Resort

3577

Mandarin Oriental Hotels

3557

Manhattan East Suite Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

296

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

4468

Marinas, Marine Service/Supplies

3668

Maritim Hotels

3509

Marriott

7297

Massage Parlors

4815

MasterPhone™ Telephone Service—Monthly Summary Telephone Charges

3735

Masters Economy Inns

6011

Member Financial Institution—Automated Cash Disbursements

6010

Member Financial Institution—Manual Cash Disbursements

5611

Men’s and Boys’ Clothing and Accessories Stores

5691

Men’s and Women’s Clothing Stores

5137

Men’s, Women’s, and Children’s Uniforms and Commercial Clothing*

3520

Meridien Hotels

3622

Merlin Hotel Group

3178

Mesa Air—MESA AIR

5051

Metal Service Centers and Offices*

3087

Metro Airlines—METROAI

3661

Metropole Hotels

3023

Mexicana—MEXICANA

3730

MGM Grand Hotel

3613

Microtel Inns & Suites (Hotel)

3175

Middle East Air—MIDEASTA

3699

Midway Motor Lodge

3085

Midwest Express Airlines—MIDWEST EXP

3741

Millennium Broadway Hotel

3439

Milleville Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

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297

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3551

Mirage Hotel and Casino

5999

Miscellaneous and Specialty Retail Stores

5599

Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not elsewhere classified

5499

Miscellaneous Food Stores—Convenience Stores, Markets, Specialty Stores, and Vending Machines

5399

Miscellaneous General Merchandise

5719

Miscellaneous House Furnishing Specialty Shops

2741

Miscellaneous Publishing and Printing*

7699

Miscellaneous Repair Shops and Related Services

3572

Miyako Hotel

5271

Mobile Home Dealers

6534

Money Transfer—Member Financial Institution

4829

Money Transfer—Merchant

3676

Monte Carlo Hotel and Casino

3700

Motel 6

7829

Motion Picture and Video Tape Production and Distribution*

7832

Motion Picture Theaters

4214

Motor Freight Carriers, Trucking—Local/Long Distance, Moving and Storage Companies, Local Delivery

7519

Motor Home and Recreational Vehicle Rental

5592

Motor Home Dealers

5013

Motor Vehicle Supplies and New Parts*

5571

Motorcycle Shops and Dealers

3639

Mount Charlotte Thistle

3612

Movenpick Hotels

5733

Music Stores—Musical Instruments, Pianos, Sheet Music

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

298

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3172

Nation Air—NATIONAI

3393

National Car Rental

3772

Nemacolin Woodlands

3776

Nevele Grande Resort and Country Club

3774

New York, New York Hotel and Casino

5994

News Dealers and Newsstands

3815

NICKELODEON SUITES

3045

Nigeria Airways—NIGERIA

3603

Noah’s Hotel

5199

Nondurable Goods—not elsewhere classified*

3164

Norontair—NORONTAI

3060

Northwest Airlines—NWA AIR

3211

Norwegian Air Shuttle—NORWEGIANAIR

3642

Novotel Hotels

3657

Oberoi Hotels

5021

Office and Commercial Furniture*

5044

Office, Photographic, Photocopy, and Microfilm Equipment*

5943

Office, School Supply, and Stationery Stores

3786

Ohana Hotels of Hawaii

3031

Olympic Airways—OLYMPICA

3592

Omni Hotels

3732

Opryland Hotel

8043

Opticians, Optical Goods, and Eyeglasses

8042

Optometrists, Ophthalmologists

3759

Orchid at Mauna Lani (Hotel)

8398

Organizations, Charitable and Social Service

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

299

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

8699

Organizations, Membership—not elsewhere classified

8651

Organizations, Political

8661

Organizations, Religious

5976

Orthopedic Goods—Artificial Limb Stores

8031

Osteopathic Physicians

3658

Otani Hotels

7299

Other Services—not elsewhere classified

3785

Outrigger Hotels & Resorts

3819

Oxford Suites

5921

Package Stores, Beer, Wine, Liquor

5198

Paints, Varnishes, and Supplies*

3024

Pakistan International—PAKISTAN

3002

Pan American—PAN AM AIR

3599

Pannonia Hotels

3553

Park Inns International

4112

Passenger Railways

3781

Patricia Grand Resort Hotels (Hotel)

5933

Pawn Shops

3359

Payless Car Rental

6532

Payment Service Provider—Member Financial Institution—Payment Transaction

6533

Payment Service Provider—Merchant—Payment Transaction

6531

Payment Service Provider—Payment Transfer for a Purchase

3752

Peabody Hotels

3523

Peninsula Hotels

3653

Penta Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

300

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3796

Peppermill Hotel Casino—PEPPERMILL

5995

Pet Shops—Pet Food and Supplies

5172

Petroleum and Petroleum Products*

3022

Philippine Airlines—PAL AIR

3632

Phoenician (Hotel)

7395

Photo Developing, Photofinishing Laboratories

7221

Photographic Studios

5131

Piece Goods, Notions, and Other Dry Goods*

3554

Pinehurst Resort

5074

Plumbing and Heating Equipment*

7932

Pool and Billiard Establishments

9402

Postal Services—Government Only

5094

Precious Stones and Metals, Watches and Jewelry*

3811

Premier Inn (Hotel)

3761

Primadonna Hotel and Casino

3526

Prince Hotels

3584

Princess Hotels International

3806

Princeville Resort

8999

Professional Services—not elsewhere classified

3719

Protea Hotels

3159

Provincetown-Boston Airways—PBA

4225

Public Warehousing—Farm Products, Refrigerated Goods, Household Goods Storage

3519

Pullman International Hotels

3012

Qantas—QANTAS

3136

Qatar Airways Company W.L.L.—QATAR AIR

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

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301

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3508

Quality Inns

3713

Quality Pacific Hotel

6050

Quasi Cash—Member Financial Institution

6051

Quasi Cash—Merchant

3645

Queens Moat Houses

7338

Quick Copy, Reproduction, and Blueprinting Services

3649

Radisson Hotels

4011

Railroads—Freight

3637

Ramada Inns

3633

Rank Hotels

3674

Rantasipi Hotels

5735

Record Shops

7999

Recreation Services—not elsewhere classified

7032

Recreational and Sporting Camps

3528

Red Lion Inns

3650

Red Roof Inns

3550

Regal 8 Inns

3598

Regent International Hotel

3702

Registry Hotels (Hotel)

3565

Relax Inns

5973

Religious Goods Stores

6529

Remote Stored Value Load—Member Financial Institution

6530

Remote Stored Value Load—Merchant

3530

Renaissance Hotels

3370

Rent A Wreck

3431

Replacement Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

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302

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3432

Reserve Rent-A-Car

3703

Residence Inn

3635

Reso Hotel

3723

Rica Hotels

3726

Rio Suites

3597

Riverside Resort Hotel and Casino

3737

Riviera Hotel and Casino

3515

Rodeway Inns

1761

Roofing and Siding, Sheet Metal Work Contractors

3782

Rosen Hotels and Resorts

3048

Royal Air Maroc—AIRMARO

3010

Royal Dutch Airlines (KLM)—KLM

3542

Royal Hotels

3532

Royal Kona Resort

3704

Royce Hotels

3246

Ryanair

3600

Saddlebrook Resort—Tampa

3229

SAETA (Sociedad Ecuatorianas De Transportes Aereo)—SAETAAIR

3682

Sahara Hotel and Casino

3231

SAHSA (Servicio Aero de Honduras)—SAHSA

5935

Salvage and Wrecking Yards

3564

Sam’s Town Hotel and Casino

3573

Sandman Hotels

3705

Sandman Inn

3775

Sands Resort

2842

Sanitation, Polishing, and Specialty Cleaning Preparations

STAR ISO 8583 MESSAGE FORMAT GUIDE Confidential and proprietary to First Data

February 2011

Chapter 8: Data Element 018: Merchant Type

303

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3656

Sara Hotels

3636

Sarova Hotels

3583

SAS Hotels

3014

Saudi Arabian Airlines—SAUDI AI

3655

Scandic Hotels

3016

Scandinavian Airline System (SAS)—SAS

8299

Schools and Educational Services—not elsewhere classified

8244

Schools, Business and Secretarial

8241

Schools, Correspondence

8211

Schools, Elementary and Secondary

8249

Schools, Trade and Vocational

3725

Sea Pines Resort

5931

Second Hand Stores, Used Merchandise Stores

6211

Securities—Brokers/Dealers

5541

Service Stations (with or without Ancillary Services)

3809

Settle Inn (Hotel)

3545

Shangri-La International

3503

Sheraton (Sheraton Hotels)

3706

Shilo Inn

5661

Shoe Stores

3707

Shoney’s Inn

3386

Showcase Rental Cars

3679

Silver Legacy Hotel and Casino

3768

Silver Star Hotel and Casino

3075

Singapore Airlines—SINGAPOR

3355

SIXT Car Rental

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3226

Skyways Air

3631

Sleep Inns

3029

SN Brussels Airlines—SN BRUSSELS

3360

Snappy Car Rental

5598

Snowmobile Dealers

3641

Sofitel Hotels

3567

Soho Grand Hotel

3586

Sokos Hotel

3518

Sol Hotels

3591

Sonesta Hotels

3017

South African Airways—SAFRICAN

3534

Southern Pacific Hotel (Hotel)

3720

Southern Sun Hotels

3066

Southwest Airlines—SOUTHWES

3097

Spanair—SPANAIR

3260

Spirit Airlines—SPIRIT

5941

Sporting Goods Stores

5655

Sports Apparel, Riding Apparel Stores

3770

SpringHill Suites

3745

St. Regis Hotel

3666

Stakis Hotels

5972

Stamp and Coin Stores—Philatelic and Numismatic Supplies

5111

Stationery, Office Supplies, Printing and Writing Paper*

3643

Steigenberger Hotels

7339

Stenographic and Secretarial Support Services

3769

Stratosphere Hotel and Casino

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3626

Studio Plus (Hotel)

3135

Sudan Airways—SUDANAIR

3539

Summerfield Suites Hotel

3130

Sunworld International Airways—SUNWORLD

3709

Super 8 Motels

3129

Surinam Airways—SURINAM

3686

Susse Chalet

3646

Swallow Hotels

5996

Swimming Pools—Sales and Supplies

3015

Swiss International Airlines—SWISSINTLAIR

3634

Swissotel

3127

Taca International—TACA INT

3659

Taj Hotels International

3248

Tam Airlines—TAM

3125

Tan Airlines—TAN AIR

3035

Tap (Portugal)—TAP

3297

Tarom Romanian Air Transport—TAROM AIR

9311

Tax Payments

7276

Tax Preparation Service

4812

Telecommunication Equipment Including Telephone Sales

4821

Telegraph Services

5998

Tent and Awning Shops

8734

Testing Laboratories (Non-Medical)*

3077

Thai Airways—THAIAIRW

3805

The Atlantic

3804

The Diplomat Country Club and Spa

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3801

The Palace Hotel

3710

The Ritz-Carlton

3814

The Roosevelt Hotel NY (Hotel)

3803

The Wigwam Golf Resort and Spa

7922

Theatrical Producers (except Motion Pictures), Ticket Agencies

3395

Thrifty Car Rental

3047

THY (Turkey)—THY

3396

Tilden Rent-A-Car

7012

Timeshares

7534

Tire Retreading and Repair Shops

3522

Tokyo Hotel

7991

Tourist Attractions and Exhibits

7549

Towing Services

3783

Town and Country Resort & Convention Center

3740

TownePlace Suites

3600

Trade Winds Resorts

3089

Transaero—TRANSAERO

4789

Transportation Services—not elsewhere classified

4111

Transportation—Suburban and Local Commuter Passenger, including Ferries

3221

Transportes Aeros Militares Ecuatorianos—TAME AIR

4722

Travel Agencies and Tour Operators

3615

Travelodge

3555

Treasure Island Hotel and Casino

3380

Triangle Rent A Car

3569

Tribeca Grand Hotel

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3385

Tropical Rent-A-Car

3738

Tropicana Resort and Casino

7513

Truck Rental

7511

Truck Stop Transactions

3049

Tunis Air—TUNIS AI

2791

Typesetting, Plate Making, and Related Services*

5978

Typewriter Stores—Rentals, Sales, Service

9752

U.K. Petrol Stations, Electronic Hot File

9751

U.K. Supermarkets, Electronic Hot File

3063

U.S. Airways—USAIRWYS

3433

Ugly Duckling Rent-A-Car

3090

Uni Airways—UNIAIR

3027

Union de Transports Aeriens—UTAAIR

3000

United Airlines—UNITED

3434

USA Rent-A-Car

4900

Utilities—Electric, 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.

3575

Vagabond Hotels

6535

Value Purchase - Member Financial Institution

3435

Value Rent-A-Car

3067

Vanguard Airlines—VANGUARD

5331

Variety Stores

3018

Varig (Brazil)—VARIG

3036

VASP (Brazil)—VASP

3773

Venetian Resort Hotel and Casino (Hotel)

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code

Description

3117

Venezolana International de Aviacion—VIASA

3574

Venture Inn

0742

Veterinary Services

3825

Vdara (Vdara Hotel and Spa)

7993

Video Amusement Game Supplies

7841

Video Entertainment Rental Stores

7994

Video Game Arcades/Establishments

3144

Virgin Atlantic—VIR ATL

3708

Virgin River Hotel and Casino

3131

VLM Airlines—VLM

3779

W Hotels

3524

WelcomGroup Hotels

7692

Welding Repair

3748

Wellesley Inns

3513

Westin (Westin Hotels)

3762

Whiskey Pete’s Hotel and Casino

5300

Wholesale Clubs

3299

Wideroes Flyveselskap—WIDEROES

5698

Wig and Toupee Shops

3801

Wilderness Hotel and Golf Resort

3112

Windward Island—WINDWARD

5631

Women’s Accessory and Specialty Stores

5621

Women’s Ready to Wear Stores

3739

Woodside Hotels and Resorts

3722

Wyndham—WYNDHAM

3596

Wynn Las Vegas

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Table 8.2: Merchant Type Codes – Alphabetical Order (cont.) Code 3094

Description Zambia Airways—ZAMBIA A * Denotes wholesale distributors and manufacturers.

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Chapter 9

310

Data Element 039: Response Codes

Table 9.1: Valid Response Codes Response Code

Description

‘00’

Approved

‘01’

Refer to Card Issuer

‘02’

Refer to Card Issuer, special condition

‘03’

Invalid merchant

‘04’

Pick-up

‘05’

Do not honor

‘06’

Error *

‘07’

Pick up card, special conditions

‘08’

Honor w/ID

Notes Processed as an approval.

Used for Network Management messages (08xx).

■

Processed as an approval.

■

Unsupported for STAR networks, may be used by other networks. Processing will be governed by other network’s rules.

‘09’

Request in progress

Used for Network Management messages (08xx).

‘10’

Approved for Partial Amount

Valid for POS transaction repsonses (provided the aquiring network supports partial amount approvals).

‘11’

Transaction Approved (VIP)

■

Processed as an approval.

■

Unsupported for STAR networks, may be used by other networks. Processing will be governed by other network’s rules.

‘12’

Invalid transaction

‘13’

Invalid amount

‘14’

Invalid card number (no such number)

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Table 9.1: Valid Response Codes (cont.) Response Code

Description

‘15’

No such Issuer *

‘16’

Approved, Track 3 Updated

Notes

■

Unsupported for STAR networks, may be used by other networks. Processing will be governed by other network’s rules.

■

Processed as an approval.

‘19’

Re-enter transaction

‘20’

Invalid response

‘23’

Unacceptable transaction fee

‘24’

File update not supported by receiver

Used only for Negative File Updates (0312).

‘25’

Unable to locate record on file

■

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).

‘28’

File update file locked out

Used only for Negative File Updates (0312).

‘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 *

‘31’

Bank not supported by switch *

‘33’

Expired card (Capture)

‘34’

Suspected fraud (Capture)

‘35’

Card acceptor contact Acquirer (Capture)

‘36’

Restricted card (Capture)

‘37’

Card acceptor, call Acquirer security (Capture)

‘38’

Allowable PIN tries exceeded (Capture)

‘39’

No credit account

‘40’

Requested function not supported

‘41’

Lost card, fraud (Capture)

‘42’

No universal account

‘43’

Stolen card (Capture)

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.

Unsupported for STAR network, may be used by other networks. Processing will be governed by other network’s rules.

Unsupported for STAR network, may be used by other networks. Processing will be governed by other network’s rules.

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Table 9.1: Valid Response Codes (cont.) Response Code

Description

‘44’

No investment account

‘51’

Not sufficient funds

‘52’

No checking 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 to terminal

‘59’

Suspected fraud

‘60’

Card acceptor contact Acquirer

‘61’

Exceeds withdrawal amount limit

‘62’

Restricted card

‘63’

Security violation

‘65’

Exceeds withdrawal frequency limit

‘66’

Card acceptor call Acquirer's security department

‘67’

Hard capture

‘68’

Late Response

‘75’

Allowable PIN tries exceeded

Notes

Unsupported for STAR network, may be used by other networks. Processing will be governed by other network’s rules.

Unsupported for STARnetwork, may be used by other networks. Processing will be governed by other network’s rules.

Unsupported for STAR network, may be used by other networks. Processing will be governed by other network’s rules.

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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.

STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR Network to do so.

‘78’

Cardholder not eligible for POS

‘80’

Private use (Stale dated transaction)

‘81’

Issuer not available to authorize

■

‘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 network’s rules.

‘84’

Time for pre-authorization reached (Only valid for Interlink Issuers)

Unsupported for STAR network, may be used by other networks. Processing will be governed by other network’s rules.

‘86’

Cannot verify PIN (valid only for VisaNet Issuers)

Unsupported for STAR network, may be used by other networks. Processing will be governed by other network’s rules.

‘87’

Duplicate

‘88’

Information not on file

‘89’

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

Notes

STAR SE/W Platform: ■

Cutoff in progress

STAR NE Platform: ■

Card Validation failure (CVC/CVV) ◆

Track 2

‘91’

Issuer inoperative

STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR to do so.

‘92’

FI cannot be found for routing *

‘93’

Transaction cannot be completed, violation of law

‘94’

Duplication transmission

‘95’

Reconcile error

‘96’

System malfunction

Used for Network Management messages.

‘98’

Card Validation failure (CVC2/CVV2) - Trackless Transactions

STAR NE Platform only.

‘99’

Card Validation failure (CVC3/CVV3)

STAR NE Platform only.

‘A1’

Invalid voucher ID

STAR SE/W Platform only.

‘A2’

Invalid authorization number

STAR SE/W Platform only.

‘AM’

Phone card approved

STAR NE Platform only.

‘PF’

Phone card denied

STAR NE Platform only.

‘R4’

CVC3/dCVV failure

STAR SE/W Platform only.

‘S7’

Unmatched voucher information

STAR SE/W Platform only.

‘S9’

Expiration date mismatch - no capture

‘SA’

Inactive Card

‘SB’

Expiration date mismatch – capture card

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Table 9.1: Valid Response Codes (cont.) Response Code

Description

Notes

‘SC’

Item suspected for stop pay

‘SD’

Acct closed

‘SE’

Ineligible account

‘SF’

Item submitted more than two times

‘SG’

No acct on file

‘SH’

Unable to locate

‘SI’

General Denial

‘SM’

Transaction limit exceeded

STAR SE/W platform only.

‘SR’

Card Validation (CVC2/CVV2) Failure -or-

STAR SE/W platform only.

3-D Secure (MC Secure Code AAV/ VISA CAVV) Failure ‘SP’

Special conditions (no capture)

STAR SE/W platform only.

‘T3’

Lost card (no capture)

STAR SE/W platform only.

‘T4’

Closed account

STAR SE/W platform only.

‘T5’

Dormant account

STAR SE/W platform only.

‘T6’

Special conditions (no capture)

STAR NE platform only.

‘T7’

ATC Failure

STAR NE platform only.

‘TG’

Reserved for Future Use

‘TS’

Suspected Fraud

* 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

Description

‘00’

Default

‘10’

Savings Account

‘20’

Checking Account

‘30’

Credit Account

‘09’

Other Account

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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

Message Types

Description

‘00’

Unspecified

0110, 0210

‘01’

Account Ledger Balance

0110, 0210

‘02’

Account Available Balance

0110, 0210

‘16’

Credit Line

0110, 0210

‘17’

POS Balance

0110, 0210

‘20’

Amount Remaining This Cycle

0110, 0210

‘40’

Amount of Cash or Negotiable Items Given to the Customer

010x, 020x, 0210, 022x, 042x

STAR NE Comments

STAR SE/W Comments

■

Required if cash is given with transaction (cash back).

■

Required if Negotiable Items (items that can be negotiable for cash—e.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.

(Cash Back)

‘42’

Check Amount

020x, 022x, 042x

Used to support Point of Banking deposit transactions.

Not Available.

‘43’

Cash Amount

020x, 022x, 042x

Used to support Point of Banking deposit transactions.

Not Available.

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Table 10.2: Amount Type (cont.) Value

Message Types

Description

STAR NE Comments

STAR SE/W Comments

‘57’

Pre-authorized Amount

022x, 042x

Not Available.

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).

‘58’

Authorized Amount

0110, 0210

Used for POS pre-authorization and purchase transactions to convey the authorized amount.

Used for POS pre-authorization transactions, for Processors using the original partial authorization methodology, to convey the authorized amount.

‘91’

Amount of original request

0110, 0210

Not available

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.

‘92’

Check Amount, verified check deposit

020x, 022x, 042x

Used to support verified check deposit transactions.

Not Available.

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Table 10.2: Amount Type (cont.) Value

Description

‘93’

Cash Amount, verified cash deposit (STAR NE Platform)

Message Types

STAR NE Comments

020x, 022x, 042x

Used to support verified cash deposit transactions.

020x, 022x, 042x

Used to support unverified cash deposit transactions

020x, 022x, 042x

Used to support unverified check deposit transactions.

STAR SE/W Comments

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

Not Available.

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 ■

■

‘C’ ◆

For balances: positive or zero balance

◆

For fees: credit to the cardholder or issuer

nnnnnnnnnnnn = amount ■

Right-justified, zero-filled

■

Assumes 2 decimal places for US dollar amounts

‘D’ ◆

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

Description

0

Attended

1

Unattended

DE 058 - Position 2: Customer Operation Table 11.2: DE 058 – Position 2: Customer Operation ISO Code

Description

0

Customer Operated

1

Merchant Operated

2

Administrative

DE 058 - Position 3: On/Off Premise Table 11.3: DE 058 – Position 3: On/Off Premise ISO Code

Description

0

On Premise

1

Off Premise

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DE 058 - Position 4: Cardholder Present Table 11.4: DE 058 – Position 4: Cardholder Present ISO Code

Description

0

Customer present

1

Customer not present

2

Customer not present, mail order

3

Customer not present, telephone order

4

Customer not present, standing order, recurring payment

8*

■

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

Description

0

Card present

1

Card not present

8*

■

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

Description

0

Point of service device does not have card retention capabilities

1

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

Description

0

Original Presentment

4

Previously authorized request (merchant Stand-in)

5

Resubmit (merchant Stand-in resubmission)

7

Reapplies (STAR NE Platform only). See the CMA User Guide for additional information.

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DE 058 – Position 8: Security Condition Table 11.8: DE 058 – Position 8: Security Condition ISO Code 0

Description No security concern

1*

Suspected fraud

2*

Identification verified

3*

Electronic commerce transaction with digital signature

4*

Electronic commerce transaction – Nonsecure/Security unknown

5*

Electronic transaction – Secure, with cardholder certificate

6*

Electronic transaction – Secure, without cardholder certificate

7*

Electronic commerce transaction – Channel-encrypted

8

CVC/CVC2/CVC3, CVV/CVV2/CVV3 Verification = Pass or Successful Verification

9

CVC/CVC2/CVC3, CVV/CVV2/CVV3 Verification = Fail or Unsuccessful Verification

* 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

Description

00

Administrative terminal

01

POS terminal

02

ATM terminal

03

Home terminal

Notes

Acquirer Processors supporting POS transactions from ATM devices (to dispense stamps, travelers checks, etc.) must use '02' as the Terminal Type.

■

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

ECR

Electronic Cash Register

05

Call Center Operator

■

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

Fuel Machine

08

POS Scrip machine

POS Acquirer Processors must use terminal type of ‘08’ when initiating a balance inquiry.

09

Coupon machine

STAR SE/W Acquirers may not send this value.

10

Ticket machine

STAR SE/W Acquirers may not send this value.

11

Point of Banking terminal

12

Teller

13

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

Personal banking

STAR SE/W Acquirers may not send this value.

15

Public utility

STAR SE/W Acquirers may not send this value.

16

Vending

STAR SE/W Acquirers may not send this value.

17

Self-service

STAR SE/W Acquirers may not send this value.

18

Authorization

STAR SE/W Acquirers may not send this value.

19

Payment

■

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

21

24

25

VRU unit

Mobile Banking

Screen Phone

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

Device Name

Positions

Device Name

0000000001

ECR Generic

1010010002

ATM Off-Premise

0010000001

ECR Generic

0000000004

ECR

0100000001

ECR Generic

0010000004

ECR

0110000001

ECR Generic

0100000004

ECR

1000000001

ECR Generic

0110000004

ECR

1010000001

ECR Generic

1000000004

ECR

1100000001

ECR Generic

1010000004

ECR

1110000001

ECR Generic

1100000004

ECR

0000004001

Merch Auth ECR Generic

1110000004

ECR

0010004001

Merch Auth ECR Generic

0001104004

Merch Auth ECR

0100004001

Merch Auth ECR Generic

0011104004

Merch Auth ECR

1000004001

Merch Auth ECR Generic

0101104004

Merch Auth ECR

1100004001

Merch Auth ECR Generic

0111104004

Merch Auth ECR

0000005001

Resubmission ECR Generic

1001104004

Merch Auth ECR

0010005001

Resubmission ECR Generic

1011104004

Merch Auth ECR

0100005001

Resubmission ECR Generic

1101104004

Merch Auth ECR

0110005001

Resubmission ECR Generic

1111104004

Merch Auth ECR

1000005001

Resubmission ECR Generic

0001105004

ECR Resubmission

1010005001

Resubmission ECR Generic

0011105004

ECR Resubmission

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Table 11.10: Sample STAR ISO Acquirer P-58 Combinations (cont.) Positions

Device Name

Positions

Device Name

1100005001

Resubmission ECR Generic

0101105004

ECR Resubmission

1110005001

Resubmission ECR Generic

0111105004

ECR Resubmission

1000000002

ATM On-Premise

1001105004

ECR Resubmission

1000010002

ATM On-Premise

1011105004

ECR Resubmission

1010000002

ATM Off-Premise

1101105004

ECR Resubmission

1111105004

ECR Resubmission

0000000008

Scrip Terminal

0113100005

Call Center-acquired STAR Bill Payment

0010000008

Scrip Terminal

0000000007

Fuel Dispense

0100000008

Scrip Terminal

0010000007

Fuel Dispense

0110000008

Scrip Terminal

0100000007

Fuel Dispense

1000000008

Scrip Terminal

0110000007

Fuel Dispense

1010000008

Scrip Terminal

1000000007

Fuel Dispense

1100000008

Scrip Terminal

1010000007

Fuel Dispense

1110000008

Scrip Terminal

1100000007

Fuel Dispense

0000004008

Merch Auth Scrip Terminal

1110000007

Fuel Dispense

0010004008

Merch Auth Scrip Terminal

0001104007

Merch Auth Fuel Disp

0100004008

Merch Auth Scrip Terminal

0101104007

Merch Auth Fuel Disp

0110004008

Merch Auth Scrip Terminal

0111104007

Merch Auth Fuel Disp

1000004008

Merch Auth Scrip Terminal

1101104007

Merch Auth Fuel Disp

1010004008

Merch Auth Scrip Terminal

1111104007

Merch Auth Fuel Disp

1100004008

Merch Auth Scrip Terminal

0001105007

Resubmission Fuel Disp

1110004008

Merch Auth Scrip Terminal

0011105007

Resubmission Fuel Disp

0000005008

Resubmission Scrip Terminal

0101105007

Resubmission Fuel Disp

0010005008

Resubmission Scrip Terminal

0111105007

Resubmission Fuel Disp

0100005008

Resubmission Scrip Terminal

1001105007

Resubmission Fuel Disp

0110005008

Resubmission Scrip Terminal

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Table 11.10: Sample STAR ISO Acquirer P-58 Combinations (cont.) Positions

Device Name

Positions

Device Name

1011105007

Resubmission Fuel Disp

1000005008

Resubmission Scrip Terminal

1101105007

Resubmission Fuel Disp

1010005008

Resubmission Scrip Terminal

1111105007

Resubmission Fuel Disp

1100005008

Resubmission Scrip Terminal

0011104007

Merch Auth Fuel Disp

1110005008

Resubmission Scrip Terminal

1001104007

Merch Auth Fuel Disp

1010100020

VRU-acquired STAR Bill Payment

1011104007

Merch Auth Fuel Disp

1010100025

Internet-acquired STAR Bill Payment

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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

Description

‘0’

Not a reversal

‘1’

Card acceptor originated reversal (generated by Indirect Acquirer Processor or terminal)

‘2’

Acquirer Processor originated reversal

‘3’

Intermediate facility originated reversal (STAR Switch initiated only)

‘4’

Customer declined Overdraft reversal.

‘5-8’ ‘9’

Reserved. STAR NE switch-originated reversal (used with reversals of foreign deposit request/reply transactions)

Table 12.2: DE 060 – Reversal Reason Code Values – Position 2 Position 1 Value(s)

Position 2 Value

“0’

‘0’

Not a reversal

‘1’-’3’

‘2’

Terminal processor error

‘1’-’3’

‘3’

System timeout

‘1’-’3’

‘4’

Terminal Over- or Under-Dispense

‘1’-’3’

‘5’

Terminal communication error

‘1’-’3’

‘6’

Terminal error

‘1’-’3’

‘7’

Late or unsolicited response

‘1’-’3’

‘8’

Reversal/customer cancellation

‘1’

‘F’

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)

Position 2 Value

‘3’

‘0’

Edit error in response message

‘4’

‘8’

Customer cancellation at the device due to non-acceptance of overdraft fee (STAR NE only)

‘4’

‘9’

Reversal for late response to a withdrawal with an overdraft fee (STAR NE only)

‘4’

‘0’

Reversal/customer cancellation of foreign deposit (STAR NE only)

Description

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

Description

‘0’

Not an advice

‘1’

Card acceptor-originated advice

‘2’

Acquirer-originated advice

‘3’

Stand-in agent-originated advice (usually STAR switch-originated)

4-8

Reserved

‘9’

Issuer-request stand in advice or STAR Transaction Services denial advice (STAR NE Platform only)

‘A’

Invalid ATC denial advice (STAR NE Platform only)

‘C’

Card Validation Threshold Service denial advice (STAR NE platform only).

‘D’

Foreign deposit advice (STAR NE Platform only)

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Table 12.4: DE 060 – Advice Reason Code Values – Position 2 Position 1 Value(s)

Position 2 Value

‘0’

‘0’

Not an advice

‘1’-’3’

‘1’

Timed out request message

‘1’-’3’

‘2’

Issuer not available (in delay)

‘1’-’3’

‘3’

Issuer signed off (logged off)

‘1’-’3’

‘4’

Within business agreement

‘1’-’3’

‘5’

POS alternate authorization (not applicable to STAR transactions)

‘1’-’3’

‘6’

POS Merchant authorization (not applicable to STAR transactions)

‘1’-’3’

‘7’

POS switch authorized under floor limit (not applicable to STAR transactions)

‘1’-’3’

‘8’

Encryption key not established

‘3’

‘9’

Issuer-requested stand-in (STAR SE/W platform only)

‘9’

‘1’

Issuer-requested stand-in (STAR NE platform only)

‘9’

‘2’

STAR Transaction Services Denial (STAR NE platform only)

‘A’

‘T’

Invalid ATC denial advice (STAR NE platform only)

‘D’

‘P’

Foreign Deposit advice (STAR NE platform only)

‘P’

‘D’

Possible Duplicate Advice (STAR NE platform only)

‘C’

‘V’

Card Validation Threshold Service denial advice (STAR NE platform only).

Description

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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

2

Interchange 3

Description

Group

S

ATM and all other merchant types

1

D

ATM and all other merchant types

2

B

ATM and all other merchant types

3

Q

ATM and all other merchant types Special

2

M

ATM and all other merchant types Special

4

9

Available attribute and Net Enhance is targeted

B

K

8

Balance Inquiry (PINless) Bill Pay (current established rate) Special

A

D

Bill Payment

A

E

Bill Payment

A

F

Bill Payment

B

D

Bill Payment - Financial Services - Special

A

H

Bill Payment - recurring

B

G

Bill Payment (PINned)

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Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values

Position

338

Interchange

1

2

3

Description

Group

A

2

Contactless All other merchant $25.

3

A

X

Contactless Medical Merchant