Financial Messages

Defines an interface for financial messages

Financial request is used to create a transaction. The following Request and Response messages interfaces with a financial transaction card origin exchanged by acquirers and card issuers.

Presence Indicators include mandatory, conditional, optional, echo

Messages must adhere to defined data types and indicators. Request messages are sent from the acquirer, and the response from the issuer. Messages types include 0200, 0210.

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Presence Indicators

These serve as a guide to denote whether a data element should be present in the message.

• Mandatory: The element is required in the message.
• Conditional: The element is mandatory under certain conditions
• Optional: The element is not always required in the message.
• Echo: In response messages, this code indicates that the response message sender must include the same value it received in the data element in the associated request message. In other words, the responder must echo back the data element if it is present in the request message.

Authentication

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Message Authentication Code is a HMAC256 Hash of the following

Original Data Elements + Card Acceptor ID + Acquiring Institution ID

Use the Card Acceptor ID as the key for Hashing. The resulting Message Authentication Code should be populated in Field 128

Original Data Element

ISO Message MTI + System Trace Audit Number + Transaction Date Time + Acquiring Institution ID + Fowarding Institution ID

Element	Description
ISO Message MTI	0200
System Trace Audit Number	Padded left with zeroes to a total length of 6
Transaction Date Time	MMddHHmmss
Acquiring Institution ID	Padded left with zeroes to a total length of 11
Forwarding Institutions ID	Padded left with zeroes to a total length of 11

Request/Repeat (0200)

Bit Data	Element Name	Presence Indicator
0	Primary Bitmap	Mandatory
1	Secondary Bitmap	Mandatory
2	Primary account number	Mandatory
3	Processing code	Mandatory
4	Amount, transaction	Mandatory
7	Transmission date and time	Mandatory
11	Systems trace audit number	Mandatory
12	Time, local transaction	Mandatory
13	Date, local transaction	Mandatory
14	Date, expiration	Mandatory
18	Merchant’s type	Mandatory
22	POS entry mode	Mandatory
23	Card sequence number	Conditional
25	POS condition code	Mandatory
26	POS PIN capture code	Conditional
28	Amount, transaction fee	Mandatory
32	Acquiring institution id code	Mandatory
35	Track 2 data	Conditional
37	Retrieval reference number	Mandatory
40	Service restriction code	Optional
41	Card acceptor terminal id	Mandatory
42	Card acceptor id code	Mandatory
43	Card acceptor name/location	Mandatory
49	Currency code, transaction	Mandatory
52	PIN data	Conditional
53	Security related control information	Conditional
54	Additional amounts	Conditional
55	Integrated Circuit Card System Related Data	Conditional
56	Message reason code	Optional
59	Transport (echo) data	Optional
60	Payment Information	Conditional
62	Private Field, Management Data 1	Conditional
102	Account identification 1	Optional
103	Account identification 2	Optional
123	POS data code	Mandatory
124	Near Field Communication Data	Conditional
128	Secondary Message Hash Value	Optional

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Request Response (0210)

Bit Data	Element Name	Presence Indicator
0	Primary Bitmap	Mandatory
1	Secondary Bitmap	Mandatory
2	Primary account number	Mandatory
3	Processing code	Mandatory
4	Amount, transaction	Mandatory
7	Transmission date and time	Mandatory
11	Systems trace audit number	Mandatory
12	Time, local transaction	Mandatory
13	Date, local transaction	Mandatory
14	Date, expiration	Mandatory
18	Merchant’s type	Mandatory
22	POS entry mode	Mandatory
23	Card sequence number	Conditional
25	POS condition code	Mandatory
26	POS PIN capture code	Conditional
28	Amount, transaction fee	Mandatory
32	Acquiring institution id code	Mandatory
35	Track 2 data	Conditional
37	Retrieval reference number	Mandatory
40	Service restriction code	Optional
41	Card acceptor terminal id	Mandatory
42	Card acceptor id code	Mandatory
43	Card acceptor name/location	Mandatory
49	Currency code, transaction	Mandatory
52	PIN data	Conditional
53	Security related control information	Conditional
54	Additional amounts	Conditional
55	Integrated Circuit Card System Related Data	Conditional
56	Message reason code	Optional
59	Transport (echo) data	Optional
60	Payment Information	Conditional
62	Private Field, Management Data 1	Conditional
102	Account identification 1	Optional
103	Account identification 2	Optional
123	POS data code	Mandatory
124	Near Field Communication Data	Conditional
128	Secondary Message Hash Value	Mandatory

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# Advice/Repeat (Repeat) (0220/0221)

Bit Data	Element Name	Presence Indicator
0	Primary Bitmap	Mandatory
1	Secondary Bitmap	Mandatory
2	Primary account number	Mandatory
3	Processing code	Mandatory
4	Amount, transaction	Mandatory
7	Transmission date and time	Mandatory
11	Systems trace audit number	Mandatory
12	Time, local transaction	Mandatory
13	Date, local transaction	Mandatory
14	Date, expiration	Mandatory
18	Merchant’s type	Mandatory
22	POS entry mode	Mandatory
23	Card sequence number	Conditional
25	POS condition code	Mandatory
26	POS PIN capture code	Conditional
28	Amount, transaction fee	Mandatory
32	Acquiring institution id code	Mandatory
35	Track 2 data	Conditional
37	Retrieval reference number	Mandatory
40	Service restriction code	Optional
41	Card acceptor terminal id	Mandatory
42	Card acceptor id code	Mandatory
43	Card acceptor name/location	Mandatory
49	Currency code, transaction	Mandatory
52	PIN data	Conditional
53	Security related control information	Conditional
54	Additional amounts	Conditional
55	Integrated Circuit Card System Related Data	Conditional
56	Message reason code	Optional
59	Transport (echo) data	Optional
60	Payment Information	Conditional
62	Private Field, Management Data 1	Conditional
102	Account identification 1	Optional
103	Account identification 2	Optional
123	POS data code	Mandatory
124	Near Field Communication Data	Conditional
128	Secondary Message Hash Value	Mandatory