Overview

Card-based transactions are grouped and processed under 2 main categories in Zone based on the confirmation of a physical card being present during the transaction:

  1. Card-Present (CP) Gateway.
  2. Card-Not-Present (CNP) Gateway.

Card-Present(CP) Gateway

CP transactions are based on the ISO 8583 standard for card-based transactions fully described in https://en.wikipedia.org/wiki/ISO_8583 for complete interoperability and compatibility with existing systems. The CP gateway requires that transactions are compliant with EMV standards and originate from terminals that process chip and pin transaction ensuring that the physical card is present. The CP gateway only supports only ASCII binary message format.

Additional requirements for Agent Banking use-case

  1. The forwarding institution code (Field 33) must be specified and should contain agent code assigned by Zone.

  2. The message MUST contain the message authentication code in field 128.

  3. The message should populate the ISO field 127 with the agent code assigned by Zone hashed with SHA256 algorithm.

Card-Not-Present(CNP) Gateway

The documentation for this gateway is still under review and will be updated shortly.