SMARTVISTA FRONT END

EXTERNAL INTERFACE SPECIFICATION

ISO-8583 CORE BANKING SYSTEM (CBS)
Group A version

09.01.2023 15:38:33

Copyright © 1999-2022 Banking Production Center

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CONTENTS
CONTENTS .................................................................................................................................. 2

OVERVIEW .................................................................................................................................. 7

CBS COMMUNICATION PROTOCOL .................................................................................... 8

CBS ISO-8583 MESSAGE TYPES .............................................................................................. 9

1. Authorization Messages ....................................................................................................................................... 9
2. Financial Messages ............................................................................................................................................ 10
3. Reversal Messages ............................................................................................................................................. 10
4. Administrative Messages ................................................................................................................................... 11
5. Network Management Messages ........................................................................................................................ 11
CBS ISO – 8583 MESSAGE FLOWS ........................................................................................ 12
1. Authorization Messages ..................................................................................................................................... 12
2. Authorization Advice Messages ......................................................................................................................... 12
3. Financial Messages ............................................................................................................................................ 12
4. Financial Advice Messages ................................................................................................................................ 13
5. Reversal Messages ............................................................................................................................................. 13
5.1. Normal processing .................................................................................................................................. 13
5.2. Time-out processing ................................................................................................................................ 14
6. Administrative Messages ................................................................................................................................... 15
7. Network Management Messages ........................................................................................................................ 15
7.1. Normal processing .................................................................................................................................. 15
7.2. SAF List End processing ......................................................................................................................... 16
DATA FIELDS ............................................................................................................................ 18
1. Data Field Attributes.......................................................................................................................................... 18
2. Data Field Format .............................................................................................................................................. 18
3. Data Field Presence Conditions .......................................................................................................................... 19
4. Data Field Description ....................................................................................................................................... 19
4.1. Field 1: Secondary Bit-Map..................................................................................................................... 19
4.2. Field 2: Primary Account Number ........................................................................................................... 19
4.3. Field 3: Processing Code ......................................................................................................................... 20
4.4. Field 4: Amount, Transaction .................................................................................................................. 23
4.5. Field 5: Amount, Account ....................................................................................................................... 23
4.6. Field 6: Amount, Cardholder Billing ....................................................................................................... 23
4.7. Field 7: Transmission Date and Time ...................................................................................................... 24
4.8. Field 9: Conversion Rate, Cardholder Billing .......................................................................................... 24
4.9. Field 10: Conversion Rate, Account ........................................................................................................ 24
4.10. Field 11: Systems Trace Audit Number ................................................................................................... 25
4.11. Field 12: Time, Local Transaction ........................................................................................................... 25
4.12. Field 14: Date, Expiration ....................................................................................................................... 25
4.13. Field 15: Settlement Date ........................................................................................................................ 26
4.14. Field 18: Merchant Type ......................................................................................................................... 26
4.15. Field 22: Point of Service Date Code ....................................................................................................... 26
4.16. Field 24: Function Code .......................................................................................................................... 29
4.17. Field 32: Acquiring Institution Identification Code ................................................................................. 29
4.18. Field 37: Retrieval Reference Number ..................................................................................................... 30
4.19. Field 38: Authorisation Identification Response ...................................................................................... 30
4.20. Field 39: Response Code ......................................................................................................................... 31

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4.21. Field 41: Card Acceptor Terminal Identification ..................................................................................... 33

4.22. Field 42: Card Acceptor Identification Code ............................................................................................ 34
4.23. Field 43: Card Acceptor Name and Location ........................................................................................... 34
4.24. Field 48: Additional Data ........................................................................................................................ 35
4.25. Field 49: Currency Code, Transaction ..................................................................................................... 35
4.26. Field 50: Currency Code, Account ........................................................................................................... 35
4.27. Field 51: Currency Code, Cardholder Billing .......................................................................................... 36
4.28. Field 54: Additional Amounts ................................................................................................................. 36
4.29. Field 55: EMV data ................................................................................................................................. 36
4.30. Field 61: Additional Amounts and Counters ............................................................................................ 37
4.31. Field 62: Mini-statement Data ................................................................................................................. 37
4.32. Field 63: Private Data, Multiple Sets ....................................................................................................... 39
4.33. Field 64: Primary MAC Data .................................................................................................................. 39
4.34. Field 91: Action Code ............................................................................................................................. 39
4.35. Field 95: Replacement Amounts .............................................................................................................. 40
4.36. Field 100: SVFE Issuer Institution Identifier ........................................................................................... 40
4.37. Field 102: Account Identification ............................................................................................................ 40
4.38. Field 103: Account Identification – 2 ...................................................................................................... 41
4.39. Field 124: Private Data............................................................................................................................ 41
4.40. Field 128: Secondary MAC Data ............................................................................................................. 41
MESSAGE FORMATS .............................................................................................................. 43
1. Authorization Message ...................................................................................................................................... 43
1.1. Request ................................................................................................................................................... 43
1.2. Response ................................................................................................................................................. 45
2. Authorization Advice Messages ......................................................................................................................... 46
2.1. Request ................................................................................................................................................... 46
2.2. Response ................................................................................................................................................. 47
3. Financial Message ............................................................................................................................................. 48
3.1. Request ................................................................................................................................................... 48
3.2. Response ................................................................................................................................................. 50
4. Financial Advice Messages ................................................................................................................................ 51
4.1. Request ................................................................................................................................................... 51
4.2. Response ................................................................................................................................................. 53
5. Reversal Messages ............................................................................................................................................. 54
5.1. Request ................................................................................................................................................... 54
5.2. Response ................................................................................................................................................. 56
6. Administrative Messages ................................................................................................................................... 57
6.1. Request ................................................................................................................................................... 57
6.2. Response ................................................................................................................................................. 58
7. Network Management Messages ........................................................................................................................ 58
7.1. Request ................................................................................................................................................... 58
7.2. Response ................................................................................................................................................. 58
MESSAGE MATCHING............................................................................................................ 60
1. Message Matching Data Fields .......................................................................................................................... 60
2. Search of original request for responses ............................................................................................................. 60
3. Search of original requests for reversals ............................................................................................................. 60
4. Search of original requests for repeats ................................................................................................................ 60
APPENDIX A (FIELD 48) .......................................................................................................... 61
1. Structure Field 48 .............................................................................................................................................. 61
2. Structure Tags of Data Field 48.......................................................................................................................... 61
3. Tag 001 –Settlement type................................................................................................................................... 61
4. Tag 002 – SVFE Transaction Type .................................................................................................................... 61

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5. Tag 004 – Full Name ......................................................................................................................................... 62

6. Tag 005 – Credit Type ....................................................................................................................................... 62
7. Tag 006 – Credit Issue Date ............................................................................................................................... 62
8. Tag 007 – Credit Issue Interval .......................................................................................................................... 62
9. Tag 008 – Credit End Date ................................................................................................................................ 62
10. Tag 009 – Credit Enable Date ............................................................................................................................ 63
11. Tag 010 – Service Identifier ............................................................................................................................... 63
12. Tag 011 – Service Data ...................................................................................................................................... 63
13. Tag 012 – Prepaid Card Type ............................................................................................................................ 63
14. Tag 013 – Contract ID ....................................................................................................................................... 63
15. Tag 014 – Address Verification Data ................................................................................................................. 64
16. Tag 015 – Postal Code Data ............................................................................................................................... 64
17. Tag 016 – Installment Payment Quantity ........................................................................................................... 64
18. Tag 017 – Text Information Data ....................................................................................................................... 64
19. Tag 018 – Card status ........................................................................................................................................ 65
20. Tag 019 – Account status ................................................................................................................................... 65
21. Tag 020 – External code for operation ............................................................................................................... 66
22. Tag 021 – Customer external account number.................................................................................................... 66
23. Tag 022 – Customer mobile phone number ........................................................................................................ 66
24. Tag 023 – Account Funds Type.......................................................................................................................... 66
25. Tag 024 – Additional operation information ...................................................................................................... 67
26. Tag 025 – Issuer Network Identifier ................................................................................................................... 67
27. Tag 026 – Acquier Institue Identifier ................................................................................................................. 67
28. Tag 027 – Acquirer Network Identifier .............................................................................................................. 67
29. Tag 028 – Acquirer Country Code ..................................................................................................................... 67
30. Tag 029 – Card ID ............................................................................................................................................. 68
31. Tag 030 – Card Type ......................................................................................................................................... 68
32. Tag 031 – FE transaction number ...................................................................................................................... 68
33. Tag 032 – Customer Mobile Phone .................................................................................................................... 68
34. Tag 033 – Customer ID...................................................................................................................................... 68
35. Tag 034 – FE trace number ................................................................................................................................ 68
36. Tag 035 – Network Reference Data .................................................................................................................... 69
37. Tag 036 – FE Transaction Date and Time .......................................................................................................... 69
38. Tag 037 – MDES Wallet Program Data ............................................................................................................. 69
39. Tag 038 – MDES Payment Application Instance ................................................................................................ 69
40. Tag 039 – Local Transaction Date and Time ...................................................................................................... 69
41. Tag 040 – External Transaction ID .................................................................................................................... 70
42. Tag 041 – VISA Token Tags ............................................................................................................................. 70
43. Tag 042 – Service Type ..................................................................................................................................... 70
44. Tag 043 – Customer Email Address ................................................................................................................... 70
45. Tag 044 – Message Reason Code ....................................................................................................................... 71
46. Tag 045 – Card Mask ........................................................................................................................................ 71
47. Tag 046 – Billing Card ID ................................................................................................................................. 71
48. Tag 047 – Additional authorization indicator ..................................................................................................... 71
49. Tag 048 – STIP/Switch Reason Code ................................................................................................................. 71
50. Tag 049 – Business Application Identifier.......................................................................................................... 71
51. Tag 050 – POS Environmen .............................................................................................................................. 72
52. Tag 051 – SV_External ..................................................................................................................................... 72
53. Tag 052 – CAVV results code............................................................................................................................ 72
54. Tag 053 – Advice Flow Number ........................................................................................................................ 72
55. Tag 054 – External Card ID............................................................................................................................... 72
56. Tag 055 – Original Network Reference Number................................................................................................. 72
57. Tag 056 – Partial approval terminal support Indicator ....................................................................................... 73
58. Tag 057 – Sender Name..................................................................................................................................... 73
59. Tag 058 – Sender Address ................................................................................................................................. 73
60. Tag 059 – Sender City ....................................................................................................................................... 73

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61. Tag 060 – Sender State ...................................................................................................................................... 73

62. Tag 061 – Sender Country ................................................................................................................................. 73
63. Tag 062 – Sender Postal Code............................................................................................................................ 74
64. Tag 063 – Sender Birth Date.............................................................................................................................. 74
65. Tag 064 – Sender Account ................................................................................................................................. 74
66. Tag 065 – Sender Reference Number ................................................................................................................. 74
67. Tag 066 – Sender Card2 Number ....................................................................................................................... 74
68. Tag 067 – Receiver Account .............................................................................................................................. 74
69. Tag 068 – Funding Source ................................................................................................................................. 75
70. Tag 069 – Receiver Name .................................................................................................................................. 75
71. Tag 070 – Merchant Tax ID............................................................................................................................... 75
72. Tag 071 – Receiver Phone Number .................................................................................................................... 75
73. Tag 072 – Payment Type ................................................................................................................................... 75
74. Tag 073 – IBFT Beneficiary Bank Code............................................................................................................. 75
75. Tag 074 – IBFT Issuer Bank Code ..................................................................................................................... 76
76. Tag 075 – IBFT Provider/Network Name ........................................................................................................... 76
77. Tag 076 – Sender Document .............................................................................................................................. 76
78. Tag 077 – Incremental Authorization Indicator.................................................................................................. 76
79. Tag 078 – MC Member Defined Data ................................................................................................................ 76
80. Tag 079 – VISA Supporting Information ........................................................................................................... 76
81. Tag 080 – NSPK Additional Data 2 ................................................................................................................... 77
82. Tag 090-099 – Payment specific data ................................................................................................................. 77
83. Tag 100 – Transaction Risk Score...................................................................................................................... 77
84. Tag 101 – Risk Condition Code ......................................................................................................................... 77
APPENDIX B (FIELD 54) .......................................................................................................... 78
1. Structure Field 54 .............................................................................................................................................. 78
2. Structure Tags of Data Field 54.......................................................................................................................... 78
3. Tag 001 – Acquirer Fee Amount ........................................................................................................................ 78
4. Tag 002 – Transaction Amount.......................................................................................................................... 79
5. Tag 003 – Account-2 Currency .......................................................................................................................... 79
6. Tag 004 – Amount, Credit Initial ....................................................................................................................... 79
7. Tag 005 – Amount, Total Credit ........................................................................................................................ 79
8. Tag 006 – Issuer Fee Amount and Currency....................................................................................................... 80
9. Tag 007 – Current Account Available Balance and Currency ............................................................................. 80
10. Tag 008 – Amount, Installed Exceed Limit ........................................................................................................ 80
11. Tag 009 – Amount, Available Exceed Limit ...................................................................................................... 81
12. Tag 010 – Issuer Fee Details .............................................................................................................................. 81
13. Tag 011 – Transaction Amount, Account Currency............................................................................................ 81
14. Tag 012 – Current Account-2 Available Balance and Currency.......................................................................... 82
15. Tag 013 – Current Account Hold Amount and Currency .................................................................................... 82
16. Tag 014 – Current Account Blocked Amount and Currency ............................................................................... 82
17. Tag 015 – Current Account Ledger Balance....................................................................................................... 83
18. Tag 016 – Amount, Cashback ............................................................................................................................ 83
19. Tag 017 – Network Fee Amount and Currency .................................................................................................. 83
20. Tag 018 – IBFT Beneficiary Fee Amount and Currency ..................................................................................... 84
21. Tag 019 – IBFT Issuer Fee Amount and Currency ............................................................................................. 84
22. Tag 020 – IBFT Acquirer Fee Amount and Currency ......................................................................................... 84
23. Tag 057 – Original transaction amount in transaction currency ......................................................................... 85
APPENDIX C (FIELD 61) .......................................................................................................... 86
1. Structure Field 61 .............................................................................................................................................. 86
2. Structure Tags of Data Field 61.......................................................................................................................... 86
3. Tag 001 – Cash-In Counters .............................................................................................................................. 86
4. Tag 002 – Recycling Counters ........................................................................................................................... 86
5. Tag 003 – Recycling Cash-Out Counters............................................................................................................ 86

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APPENDIX D (FIELD 95) .......................................................................................................... 87

1. Structure Field 95 .............................................................................................................................................. 87
2. Structure Tags of Data Field 95.......................................................................................................................... 87
3. Tag 001 – Transaction Amount, Transaction Currency ...................................................................................... 87
4. Tag 002 – Transaction Amount, Account Currency............................................................................................ 87
5. Tag 003 – Transaction Amount, Cardholder Billing Currency ........................................................................... 87
6. Tag 006 – Transaction Currency ........................................................................................................................ 87
7. Tag 007 – Account Currency ............................................................................................................................. 88
8. Tag 008 – Cardholder Billing Currency ............................................................................................................. 88
APPENDIX E (FIELD 63) .......................................................................................................... 89
1. Structure of Field 63 .......................................................................................................................................... 89
2. Structure of Field 63 Data Block ........................................................................................................................ 89
3. Structure of Field 63 Tags .................................................................................................................................. 89
4. Tag 001 – Mini-Statement Transaction Date ...................................................................................................... 89
5. Tag 002 – Mini-Statement Transaction Type ..................................................................................................... 89
6. Tag 003 – Mini-Statement Transaction Debit Credit Indicator ........................................................................... 90
7. Tag 004 – Mini-Statement Transaction Description ........................................................................................... 90
8. Tag 005 – Mini-Statement Transaction Amount ................................................................................................ 90
9. Tag 006 – Mini-Statement Transaction Currency............................................................................................... 90
10. Tag 007 – Mini-Statement Transaction Amount, Account Currency .................................................................. 91
11. Tag 008 – Mini-Statement Account Available Balance ...................................................................................... 91
12. Tag 009 – Mini-Statement Account Currency .................................................................................................... 91
LIST OF REVISIONS ................................................................................................................ 92

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OVERVIEW
This document describes specifications for the SmartVista Front – End (SVFE) Core Banking
System (CBS) external message protocol. The protocol can be used to provide authorization and
information services to card processing hosts or transaction concentrators.

The current software releases are implementing an external message based on the International
Organization for Standardization (ISO) 8583-2:1993 standard.

The message specifications in this manual are applicable to the ISO-based external message only.

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CBS COMMUNICATION PROTOCOL

CBS Interface supports the TCP/IP transport protocol.

TCP/IP is a point to point communication protocol with a delivery guarantee and data sequence
guarantee. The connection party, which initiates a connection, is a TCP/IP client. The connection
party, which accepts the connection, is a TCP/IP server. TCP/IP client establishes connection
identifying а target application with an IP address of the host and a port number within that host. If
the connection is dropped by any reason it should be re-established by the client application.

SVFE host can act in a TCP/IP connection as a client or as a server depending on the host
configuration. For data transmission TCP/IP uses sessions. Each session is a bi-directional data
stream. SVFE protocol uses a single TCP/IP session to transfer data between hosts in both
directions. The continuous TCP/IP data stream is split into frames. Each ISO – 8583 message is sent
in a separate frame. A Frame consists of a configurable length header and a message body. The
header contains the length of the following message.

N bytes N bytes

Message Length = N ISO – 8583 Message

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CBS ISO-8583 MESSAGE TYPES

Message Class: Authorization
1100 Authorization Request
1110 Authorization Response
1120 Authorization Advice
1130 Authorization Advice Response

Message Class: Financial

1200 Financial Request
1210 Financial Response
1220 Financial Advice
1230 Financial Advice Response

Message Class: Reversal

1420 Reversal Advice
1430 Reversal Advice Response

Message Class: Administrative

1600 Administrative Request
1610 Administrative Response

Message Class: Network Management

1804 Network Management Request
1814 Network Management Response

1. Authorization Messages
1100 – Authorization Request
Message Type: 1100
Description: Authorization Request (1100) message requests approval authorization or guarantee
for the transaction to proceed. Authorization Response (1110) is expected in return for 1100
message, either approving or denying the request.

1110 – Authorization Response

Message Type: 1110
Description: Authorization Request Response (1110) is returned in response to Authorization
Request (1100) to approve or deny the request.

1120 – Authorization Advice

Message Type: 1120
Description: Authorization Advice (1120) advises CBS of a previously completed at SVFE (Stand-
In processing) transaction. Format and contents of fields at 1120 message are the same as at 1100
message. Each 1120 message must be acknowledged with 1130 message.

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1130 – Authorization Advice Response

Message Type: 1130
Description: Authorization Advice Response (1130) is used to acknowledge the receipt of
1120 message. Format and contents of fields at 1130 message are the same as at 1110 message.

2. Financial Messages

1200 – Financial Request

Message Type: 1200
Description: Financial Request (1200) message requests approval authorization or guarantee for the
transaction to proceed. Financial Response (1210) is expected in return for 1200 message, either
approving or denying the request. Format and contents of fields at 1200 message are the same as at
1100 message.

1210 – Financial Response

Message Type: 1210
Description: Financial Request Response (1210) is returned in response to Financial
Request (1200) to approve or deny the request. Format and contents of fields at 1210 message are
the same as at 1110 message.

1220 – Financial Advice

Message Type: 1220
Description: Financial Advice (1220) advises CBS of a previously completed at SVFE (Stand-In
processing) transaction. Format and contents of fields at 1220 message are the same as at 1120
message. Each 1220 message must be acknowledged with 1230 message.

1230 – Financial Advice Response

Message Type: 1230
Description: Financial Advice Response (1230) is used to acknowledge the receipt of
1220 message. Format and contents of fields at 1230 message are the same as at 1130 message.

3. Reversal Messages

1420 – Reversal Advice Request

Message Type: 1420
Description: Reversal Advice Request (1420) is advice to cancel part or all of a previously
approved transaction. Reversal Advice Response (1430) is expected in return for 1420 message,
either approving the request.

1421 – Reversal Advice Repeat

Message Type: 1421

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Description: Authorization Request Repeat (1421) is identical to 1420 message, except that
it denotes to the receiver that it is a possible duplicate message. Format and contents of fields at
1421message are the same as at 1420 message. This message is used when an
expected acknowledgement to 1420 message was not received.

1430 – Reversal Response

Message Type: 1430
Description: Reversal Response (1430) is used to acknowledge the receipt of 1420 message.

4. Administrative Messages
1600 – Administrative Request
Message Type: 1600
Description: Administrative Request (1600) is used to Reset ATM Counters. Administrative
Response (1610) is expected in return for 1600 message, either approving or denying the request.

1610- Administrative Response

Message Type: 1610
Description: Administrative Transaction Response (1610) is used to acknowledge the receipt of
1600

5. Network Management Messages

1804 – Network Management Request
Message Type: 1804
Description: Network Management Request (1804) message is used to perform echo tests.
1804 message always requires 1814 message in response.

1814 – Network Management Response

Message Type: 1814
Description: Network Management Response (1814) message is returned in response to Network
Management Request (1804) message.

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CBS ISO – 8583 MESSAGE FLOWS

1. Authorization Messages
sd Auth

SVFE CBS

1100()

1110()

2. Authorization Advice Messages

Message 1121 is sent when there is no response to message 1120. Message 1121 is sent not more
than three times.

Message 1121 is sent 60 seconds after sending message 112X, for which a response has not been
received.
sd Auth Adv ice

SVFE CBS

1120()

1130()

1121()

1130()

3. Financial Messages

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sd Auth

SVFE CBS

1200()

1210()

4. Financial Advice Messages

Message 1221 is sent when there is no response to message 1220. Message 1221 is sent not more
than three times.

Message 1221 is sent 60 seconds after sending message 122X, for which a response has not been
received.
sd Auth Advice

SVFE CBS

1220()

1230()

1221()

1230()

5. Reversal Messages

5.1. Normal processing

SVFE sends 1420/1421 messages in case a request for authorization cancellation has been received
from terminal devices and payment networks, or in case of authorization cancellation in SVFE
system in stand-in mode.

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Message 1420 is sent 5 seconds after sending the message 1100 or 1200, for which there was no
response.

Message 1421 is sent 60 seconds after sending the message 142X, for which there was no response.

Message 1421 is sent not more than three times. If after sending the last message 1421 there was still
no response, the authorization request, for which there was no response, is considered to be
processed in stand-in mode.
sd Rev ersal

SVFE CBS

1420()

1430()

1421()

1430()

5.2. Time-out processing

SVFE sends 1420/1421 messages in case the SVFE does not receive a response to 1100 or 1200
message.

Message 1421 is sent in case the response to message 1420 is not received.

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sd Rev ersal

SVFE CBS

1420()

1430()

1420()

1430()

1421()

1430()

6. Administrative Messages
sd Administrativ e

SVFE CBS

1600()

1610()

7. Network Management Messages

7.1. Normal processing

The SVFE system periodically sends a message 1804 with a query of type 831 – “Test of
connection”. A repeated message 1804 is sent 60 seconds after sending the message 1804, for which
there was no response. In case there is no response to message 1804, the message 1804 is repeated
not more than three times.

If after the last message 1804 there was no response, or if there was a response message 1814 with
response code other than “000”, the SVFE system will send to CBS a message 1804 of query type
802 – “Sign Off” and starts to process authorization requests in stand-in mode.

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sd Netw ork Management SV-CBS

SVFE CBS

1804()

1804()

1814()

sd Netw ork Management CBS-SV

CBS SVFE

1804()

1804()

1814()

7.2. SAF List End processing

SAF List End message is used when required notification of CBS about finishing of the Stand-In
processed transactions.

In case of logical connection between SVFE and CBS lost SVFE could process transaction in Stand-
In mode. After the connection is established the SVFE upload all transactions as advices. When all
transactions are uploaded SVFE sends SAF List End message to inform CBS all the transactions
were uploaded.

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sd SAF List End

CBS SVFE

Connection Lost

Stand-In processing()

Stand-In processing()
1804(Test of connection)

1814()

1804(Sign-On)

1814()

1120()

1130()

1120()

1130(Last transaction)

1804(SAF List End)

1814()

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DATA FIELDS

1. Data Field Attributes

Table 1. Data Field Attributes

a Alphabetic characters only.

N Numeric digits only.

S Special characters

an Alphabetic and numeric characters only.

As Alphabetic and special characters

ns Numeric digits and special characters

ans Alphabetic, numeric, and special characters.

4 Fixed length of 4 characters.

…16 Variable length up to a maximum of 16 characters. All variable length fields will also contain two or
three positions at the beginning of the field to identify the number of positions following to the end of
that field

b Binary representation of data.

Bit – 8 bytes (64 bits) in binary format. Each bit signifies the presence (1) or the absence (0) in the
Map message of the data field associated with that particular bit

x “C” for credit, “D” for debit and shall always be associated with a numeric amount data field, i.e.,
x+n 16 in amount, net reconciliation means prefix “C” or “D” and 16 digits of amount, net
reconciliation

2. Data Field Format

Table 2. Data Field Format

MM Month

DD Day

YY Year

hh Hour

mm Minute

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SS Second

LL Length of variable data field that follows, from 01-99. The variable length subelement is two numeric
characters.

LLL Length of variable data field that follows, from 001-999. The variable length subelement is three
numeric characters.

LLLL Length of variable data field that follows, from 0001-9999. The variable length subelement is four
numeric characters.

VAR Variable length data field.

3. Data Field Presence Conditions

C – Conditional. Field/value is present in the message under certain conditions, which are explained
in Data Field Description.

M – Mandatory. Field/value must be present in the message.

O – Optional. Field/value presence in the message is up to the message initiator or the responder.

4. Data Field Description

4.1. Field 1: Secondary Bit-Map

4.1.1. Format

Bit-Map

4.1.2. Description

This field is a bit map indicating the presence or absence of fields in the secondary portion of the
message, bits 65-128. This field should only be present if there is at least one field from the
secondary range in the message.

4.2. Field 2: Primary Account Number

4.2.1. Format

llvar n.. 24

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4.2.2. Description

This field contains the cardholder’s card number.

This field is also used to match a response message with its original message.

4.3. Field 3: Processing Code

4.3.1. Format

n6

4.3.2. Description

The processing code is a series of three two-byte codes. The first two bytes (bytes 1 and 2) indicate
the type of transaction.

See the following table for valid values.

Transaction SVFE Transaction TRANSACTION
Code Type DESCRIPTION
00 774 POS Purchase
00 680 E-POS Purchase
00 468 Authorization Chargeback Protection Period
Extension
01 700 ATM Cash withdrawal
01 777 POS Cash Advance
01 683 EPOS Cash Advance
01 653 Cashback part of Purchase with Cashback
transaction
01 709 Remittance and Cardless redemption
02 738 POS Purchase Cancellation
03 740 Check guarantee transaction
09 776 Purchase with Cashback
11 781 P2P Debit
12 610 Interbank Funds Transfer(IBFT) – Debit part
17 670 Manual Cash withdrawal
17 659 Debit account with presentment
18 736 POS Pre-authorisation
18 677 E-POS Pre-authorisation
18 671 Manual Purchase
18 714 Remittance and Cardless origination
18 725 Cardless pre-authorization
19 737 POS Completion

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Transaction SVFE Transaction TRANSACTION

Code Type DESCRIPTION
19 678 E-POS Completion
19 726 Cardless completion
20 775 POS Return or Refund
20 681 E-POS Return or Refund
20 669 Manual Refund Completion
21 475 CHECK Cash Deposit
21 618 ATM Cash Deposit
21 705 Deposit
21 712 POS Cash Deposit
21 711 E-POS Cash Deposit
22 750 Credit Adjustment
23 443 External Account Cash Deposit
26 609 Interbank Funds Transfer(IBFT) – Credit part
27 760 Credit account with presentment
28 554 Government to Consumer payment - G2C_CREDIT
28 698 Credit Payment
28 898 Other source to consumer payment - D2C_CREDIT
29 785 P2P Credit
29 813 Fast Refund
31 702 Balance Inquiry
31 784 POS Balance Inquiry
31 757 Balance Inquiry on Screen
31 676 E-POS Balance Inquiry
36 708 Transfer Inquiry
36 703 Transfer Inquiry for Funds Transfer
36 566 Transfer Inquiry for Transfer to External Account
36 692 Transfer Inquiry for Transfer to Foreign Account
37 684 Advanced Repayment Information
38 796 Account Verification
39 704 Mini-Statement
40 703 Funds Transfer
40 805 Intra Bank Funds Transfer (ITFT)
44 805 Interbank Funds Transfer(IBFT)
Acquirer = Issuer = Beneficiary
Added to comply with channels,
most probably another transfer will be used.
44 613 Interbank Funds Transfer(IBFT)
Acquirer <> Issuer = Beneficiary
44 806 Interbank Funds Transfer(IBFT)
Acquirer = Issuer <> Beneficiary
44 807 Interbank Funds Transfer(IBFT)
Acquirer = Beneficiary <> Issuer
44 808 Interbank Funds Transfer(IBFT)

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Transaction SVFE Transaction TRANSACTION

Code Type DESCRIPTION
Acquirer <> Issuer <> Beneficiary,
only used in case of multiple processing in the
system or for notification purposes from acquiring
side
50 530 Transfer to external account
50 692 Transfer to foreign account
50 508 Utility Payment
50 510 Predefined Payment
50 691 Debit bills payment
51 588 Full Advanced Repayment
58 707 Payment from Envelope
61 809 Interbank Funds Transfer(IBFT) – Inquiry
62 810 Interbank Funds Transfer(IBFT) – Verification
62 811 Interbank Funds Transfer(IBFT) – Check
91 493 Block Card
91 644 Activate Card
91 672 Change Card Status
91 782 Validate Card
92 797 Service On
92 798 Service Off
93 603 Forced PIN Change
93 751 PIN Change
93 753 New PIN Reentry
93 534 PIN change confirmation
94 474 Change Account Status
95 748 PIN count reset
96 555 Tokenization Authorization Request, TAR
97 556 Activation Code Notification, ACN
98 557 Tokenization Complete Notification, TCN

The second and third two bytes (bytes 3 and 4, and bytes 5 and 6) indicate the account 1 and account
2 type, respectively .

See the following table for valid values.

ACCOUNT TYPE ACCOUNT DESCRIPTION
0X Default (unspecified) account
1X Savings account
2X Checking account
3X Credit account
4X Others Account
5X Loans Account
6X Envelope Account
7X Escrow Account

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ACCOUNT TYPE ACCOUNT DESCRIPTION

8X Money Market Account
9X Loyalty Account
The second byte in each pair (i.e. byte 4 and 6) indicates an order of account that is used in
transaction in the list of card accounts with the same type. Valid values are 0-8.

4.4. Field 4: Amount, Transaction

4.4.1. Format

n 12

4.4.2. Description

Funds requested by the cardholder in the local currency of the acquirer or source location of the
transaction, exclusive of amounts, fees.

In the 1100 and 1200 balance inquiry request, this field will contain zeroes.

For incremental authorization, this field will contain the additional amount.

For partial reversal, this field will contain the amount of the original request.

For partial reversal of incremental authorizations, this field will contain the total amount authorized.

4.5. Field 5: Amount, Account

4.5.1. Format

n 12

4.5.2. Description

Amount in cardholder account currency, including fees.

In requests field contains transaction amount to be debited/credited to the account (in the account
currency).

4.6. Field 6: Amount, Cardholder Billing

4.6.1. Format

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n 12

4.6.2. Description

This field contains the transaction amount (Field 4), converted to the currency used to bill the
cardholder’s account. The conversion rate is in Field 10. No decimal point appears in this field; the
decimal place is implied based on the currency. If it is present, the following fields are also required:
“Field 10: Conversion Rate, Cardholder Billing”.

4.7. Field 7: Transmission Date and Time

4.7.1. Format

n 10 , MMDDhhmmss

4.7.2. Description

Date and time this message was sent by the message initiator

4.8. Field 9: Conversion Rate, Cardholder Billing

4.8.1. Format

n8

4.8.2. Description

This field contains the rate used to convert the transaction amount (Field 4) to the cardholder billing
amount (Field 6). The Field 4 amount multiplied by this rate equals the Field 6 amount. The left-
most digit denotes the number of positions the decimal separator shall be moved from the right
(allowable values are 0 to 7). Positions 2–8 of the field are the actual rate.

For example: 69985022 = 9.985022.

4.9. Field 10: Conversion Rate, Account

4.9.1. Format

n8

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4.9.2. Description

This field contains the rate used to convert the Account amount (Field 5) to the Cardholder Account
amount (Field 4). The left-most digit denotes the number of positions the decimal separator shall be
moved from the right (allowable values are 0 to 7). Positions 2–8 of the field are the actual rate.

For example: 69985022 = 9.985022.

4.10. Field 11: Systems Trace Audit Number

4.10.1.Format

n6

4.10.2.Description

A number assigned by a transaction originator to assist in identifying a transaction uniquely. The

trace number remains unchanged for all messages within the transaction.

This field is also used to match a response message with its original message.

4.11. Field 12: Time, Local Transaction

4.11.1.Format
n 12
YYMMDDhhmmss

4.11.2.Description

The local year, month, day, and time the transaction takes place at the card acceptor location in
authorization and financial messages.

This field is also used to match a response message with its original message.

4.12. Field 14: Date, Expiration

4.12.1.Format
n4
YYMM

4.12.2.Description
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The year and month that the card will become expired.

4.13. Field 15: Settlement Date

4.13.1.Format

n6

YYMMDD

4.13.2.Description

Field contains the SmartVista Front-End Acquirer settlement date.

4.14. Field 18: Merchant Type

4.14.1.Format

n4

4.14.2.Description

A code describing the merchant’s type of business product or service. See ISO-8583 standard
documentation for the list of valid categories.

4.15. Field 22: Point of Service Date Code

4.15.1.Format

ans 12

4.15.2.Description

A series of codes intended to identify terminal capability, terminal environment and presentation
security data. It shall be used to indicate specific conditions that are (or were) present at the time a
transaction took place at the point of service and/or when the transaction has been initiated.

See the following table for valid values.

Position Position Description Valid Values
1 Card data input 0 – Unknown
capability 1 – Manual

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Position Position Description Valid Values

2 – Magnetic stripe reader
3 – Bar code reader
4 – OCR reader
5 – EMV compatible ICC reader
6 – Key entry
7 – Magnetic stripe reader and key entry
8 – Magnetic stripe reader, key entry and
EMV compatible ICC reader
9 – Contactless (ICC and magnetic stripe) read
A – Contact ICC and Contactless magnetic stripe read
B – Contactless magnetic stripe read
F – Account data on file
M – Contact ICC and Contactless read
S – Software implemented reader (using mobile device
capabilities)
Cardholder 0 – No electronic authentication
2
authentication 1 – PIN
capability 2 – Electronic signature analysis
3 – Biometrics
4 – Biographic
5 – Electronic authentication
6 – Other
9 – Authentication value
0 – None
3 Card capture
1 – Capture
capability
0 – no terminal used
4 Operating
1 – on premises of card acceptor, attended
environment
2 – on premises of card acceptor, untended
3 – Off premises of card acceptor, attended
4 – Off premises of card acceptor, unattended
5 – On premises of card cardholder, unattended
9 – CAT level 9 (Mobile POS), attended
R – CAT level 0, unattended
S – CAT level 1, unattended
T – CAT level 2, unattended
U – CAT level 3, unattended
V – CAT level 4, unattended
W – CAT level 5, unattended
X – CAT level 6, unattended
Y – CAT level 7, unattended
0 – Present
5 Cardholder presence
1 – Not present, unspecified
indicator
2 – Not present, mail order
3 – Not present, telephone order
4 – Not present, standing order (recurring payment)
5 – Not present, electronic order
I – Merchant-Initiated Authorization, Credential on File, Standing
Instruction – Installment
R – Merchant-Initiated Authorization, Credential on File,
Resubmission
S – Not present, postponed payment
0 – Not present
6 Card presence
1 – Present
2 – Tokenized card number present

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Position Position Description Valid Values

0 – Unspecified
7 Card data input mode
1 – Manual, no terminal
2 – Magnetic stripe read
3 – BAR read
4 – OCR read
5 – ICC read
6 – Key entered
7 – Contactless ICC read
8 – Contactless magnetic stripe read
9 – Contactless read
D – Digital Secure Remote Payment (DSRP)
E – Token on File
F – Credential on File
G – Map data obtained using the GIRO
M – MasterPass
R – E-commerce, including remote chip
S – E-commerce, merchant certificate only
T – E-commerce, merchant and cardholder certificate / 3-D
Secure transaction
U – E-commerce, no security
V – E-commerce, channel encryption
W – Automatic entry of data previously stored in a third-party
system
X – E-commerce, trusted merchant
0 – No authentication
8 Cardholder
1 – PIN
authentication method
2 – Electronic signature analysis
3 – Offline PIN
4 – Biographic
5 – Manual signature
6 – Other manual authentication
A – Passcode
B – Biometric
C – Device code
D – Device pattern
E – Merchant has chosen to share authentication data within
authorization; UCAF data collection not supported
F – In-App transaction (mCommerce)
N – E-commerce External Authentication using approved
authentication protocol
O – E-commerce Authentication Outage
P – Partial shipment or recurring payment
Q – Issuer risk based decision
R – Merchant risk based decision
S – Static AAV
T – E-commerce, UCAF / 3DS authentication is not supported by
merchant
U – E-commerce, UCAF / 3DS authentication is supported by
merchant but is not provided by issuer
V – E-commerce, UCAF / 3DS authentication is supported by
merchant and is provided by issuer
W – E-commerce, 3DS authentication attempted
X – E-commerce, authentication by merchant
0 – Not authenticated
9 Cardholder
1 – ICC
authentication entity
3 – Authorizing agent, online PIN

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Position Position Description Valid Values

4 – Merchant/card acceptor, signature
5 – Other
D – Device authentication
S – Merchant suspicious
0 – Unknown
10 Card data output
1 – None
capability
2 – Magnetic stripe write
3 – ICC
0 – Unknown
11 Terminal output
1 – None
capability
2 – Printing capability only
3 – Display capability only
4 – Printing and display capability
5 – Merchant terminal supports receipt of purchase only
approvals (for PWCB)
0 – No PIN capture capability
12 PIN capture capability
1 – Unknown
4 – PIN capture capability 4 characters maximum
5 – PIN capture capability 5 characters maximum
6 – PIN capture capability 6 characters maximum
7 – PIN capture capability 7 characters maximum
8 – PIN capture capability 8 characters maximum
9 – PIN capture capability 9 characters maximum
A – PIN capture capability 10 characters maximum
B – PIN capture capability 11 characters maximum
C – PIN capture capability 12 characters maximum
S – Software implemented PIN pad (using mobile device
capabilities or any other technologies).

4.16. Field 24: Function Code

4.16.1.Format

n3

4.16.2.Description

Code indicating the specific purpose of the message within its message class.

See the following table for valid values.

FUNCTION DESCRIPTION MESSAGE
CODE TYPE
801 Sign-On 1804
802 Sign-Off 1804
831 Echo-test 1804
841 SAF list end 1804

4.17. Field 32: Acquiring Institution Identification Code

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4.17.1.Format

llvar n.. 11

4.17.2.Description

This code identifies the financial institution acting as the acquirer of this cardholder transaction. The
acquirer is a member or system user that installed the terminal. The ID can be a Visa BIN, a
MasterCard BIN, or another code that identifies the financial institution or branch within SmartVista
Front-End. BINs are usually six digits, but the code may be up to 11 digits long. The value length
specifies the number of digits in the ID code.

4.18. Field 37: Retrieval Reference Number

4.18.1.Format

an 12

4.18.2.Description

A reference supplied by the system retaining the original source information and used to assist in
locating that information or a copy thereof.

If no reply was received to the original transaction Field 037 must still be present, but it should
contain a string of spaces.

4.19. Field 38: Authorisation Identification Response

4.19.1.Format

ans 6

4.19.2.Description

An authorization code provided by the CBS when a transaction is approved, or a no-reason-to-

decline code provided for successful verifications. Value of field 38 is based on value of field 37.

In the C program shown below the input parameter “u” of function “auth” is value of Field 37, and
output parameter “a” is value of field 38.

#include <stdio.h>

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#include <stdlib.h>

#include <string.h>

char *voc[6]={

“123456789”,

“0123456789ABCEFHKMNRSTUVWXYZ”,

“0123456789ABCEFHKMNRSTUVWXYZ”,

“0123456789”,

“0123456789ABCEFHKMNRSTUVWXYZ”,

“0123456789ABCEFHKMNRSTUVWXYZ”

};

void auth(long u, char *a) {

int I,l;

for (i=0; i<6; i++) {

l=strlen(voc[i]);

a[i]=voc[i][u%l];

u/=l;

}}

4.20. Field 39: Response Code

4.20.1.Format

an 3

4.20.2.Description

A code which defines the action taken or to be taken as well as the reason for taking the action.

SVFE RC CBS RC Description

-1 000 Successful transaction

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SVFE RC CBS RC Description

826 001 Successful transaction, but MCC is in list 6010, 4829, 6051, 7995, 7511

818 111 Account is blocked and card should be captured

928 112 Account is blocked

915 116 Not enough money on account

914 124 Account not found

- 4811 Customer cancellation

The cardholder aborted the transaction after an uthorizationn request
had been sent

- 482 Completed partially

Used in reversal messages to indicate that a transaction was completed,
but for an amount less than that given in the original 0100 request

- 483 Response received too late

Used to indicate the reason for sending a reversal – an uthorizationn
response was not returned within the time limit set by the acquirer

- 496 System malfunction

The message could not be successfully processed due to a system
malfunction (see also Note below)

812 902 Incorrect type of request of code of transaction

802 907 CBS is not available

959 909 Internal errors in the interface software

802 910 CBS is in“”log of”” state

959 914 This code is sent from CBS in case the cancellation request 703 was sent
when the operational day in CBS is closed.

811 913 Duplicate transaction

959 916 Errors in software of CBS

894 894 Operation could not be processed because of temporary moratorium

1
Response codes 4XX are sent by SVFE in 142X messages

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SVFE RC CBS RC Description

(TIME_MORATORIUM)

895 895 Absense of information about debt

(DEBTS_ABSENCE)

997 997 The customer does’’t have the service of advance repayment of debt
(SERVICE_NOT_ALLOWED)

814 814 Limit reached for total number of txns in cycle.

912 912 WDL limit exceeded

917 917 Card’s limit exceeded.

938 938 Account’s limit exceeded.

953 953 Card is restricted.

243 243 LUK has expired or transaction limit for this key has been exceeded

940 940 Original transaction not found

957 957 Payment institution is unknown or unsupported

239 239 Terminate Subscription

893 893 Purchase only, no cash back allowed

370 370 Command to capture card from FRAUD

371 371 Command to block and capture card from FRAUD

855 085 Request is in Progress

841 841 Currency conversion is failed

4.21. Field 41: Card Acceptor Terminal Identification

4.21.1.Format

ans 8

4.21.2.Description

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A code that uniquely identifies a particular terminal at the card acceptor’s location. An identification
code of less than eight positions must be left-justified and the remainder of the field space-filled. This
field is mandatory if the terminal id is available.

4.22. Field 42: Card Acceptor Identification Code

4.22.1.Format

an 15

4.22.2.Description

A code that uniquely identifies Point of Sale (POS) / merchant for a given acquirer.

4.23. Field 43: Card Acceptor Name and Location

4.23.1.Format

ans 40

4.23.2.Description

The name and location of the card acceptor. This field is required in authorization requests, advice
messages and related reversal requests for all card-read transactions. It contains the information
necessary for printing on customer account statements and on credit card billing statements.
Subfield Type and Data dictionary
length of data
1 ans 38 • Merchant number of bank name;
• Separator ‘>’
• Merchant city or location of the terminal device
• Trailing spaces
2 ans 2 ISO code of the country

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4.24. Field 48: Additional Data

4.24.1.Format

lllvar ans …999

Tag data format: 3 bytes for each tag name + 3 bytes for each tag length + tag data

4.24.2.Description

This field is used to carry SmartVista Front-End internal information. There is a number of tags packed in
field 48. The tags have the TLV structure. It means they are repeated groups of Tag IDs, Tag Lengths and
Tag Values.

Banking Production Center may occasionally introduce new Field 48 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 48 tags.

Refer to Appendix A (Field 48).

4.25. Field 49: Currency Code, Transaction

4.25.1.Format

n3

4.25.2.Description

This field is used in any message related to a cardholder transaction that contains one or more of the
amount fields listed above, even when the amount is zero. This field is also used in balance inquiry
requests, even when the value of field 4 equals zero. This code specifies the currency in which the
acquirer wants the balance amount to be expressed.

4.26. Field 50: Currency Code, Account

4.26.1.Format

n3

4.26.2.Description

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This code specifies the cardholder account currency.

4.27. Field 51: Currency Code, Cardholder Billing

4.27.1.Format

n3

4.27.2.Description

This field contains a 3-digit numeric code that identifies the currency used by the issuer to bill the
cardholder’s account.

4.28. Field 54: Additional Amounts

4.28.1.Format

lllvar an…999

4.28.2.Description

This field is used to carry SmartVista Front-End account balance information. There is a number of tags
packed in Field 54. The tags have the TLV structure. It means they are repeated groups of Tag IDs, Tag
Lengths and Tag Values.

Banking Production Center may occasionally introduce new Field 54 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 54 tags.

Refer to Appendix B (Field 54).

4.29. Field 55: EMV data

4.29.1.Format

lllvar b…255

4.29.2.Description

This field is carried in VSDC and Contactless Magnetic Stripe transactions and supports

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ICC data in TLV format.

4.30. Field 61: Additional Amounts and Counters

4.30.1.Format

lllvar an…999

4.30.2.Description

This field is used to carry SmartVista Front-End account balance information. There is a number of tags
packed in Field 61. The tags have the TLV structure. It means they are repeated groups of Tag IDs, Tag
Lengths and Tag Values.

Banking Production Center may occasionally introduce new Field 61 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 61 tags.

Refer to Appendix C (Field 61).

4.31. Field 62: Mini-statement Data

4.31.1.Format

lllvar an…220 for protocol versions from 1A up to 32A

lllvar an…250 for protocol versions 33A and higher.

Lllvar b…870 for protocol versions 37A and higher

4.31.2.Description

Field contains mini-statement data, only for 704 SVFE Transaction Type, up to 10 sets:
N Description Attributes Comments

1 Transaction Date n6 YYMMDD

2 Transaction Mnemonic Name ans 3 Transaction Mnemonic Name

3 Debit Credit Indicator A1 “C” – credit transaction,

“D“ – debit transaction

“ ” – noop transaction

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N Description Attributes Comments

4 Amount Transaction N 12

5 Transaction Currency N3 N3 transaction currency code. Should be present for

protocol versions starting 33A. For protocols 1A up to
32A should be omitted.

6 Transaction description Llvar b..60 Transaction description. Usually place of transaction

origin. Can be provided in national symbols.

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4.32. Field 63: Private Data, Multiple Sets

4.32.1.Format

llllvar ans…9999

4.32.2.Description

Field contains multiple blocks (sets) of similar data type.

Type of data depends in the transaction.

SVFE transaction type Request data Response data

704 Not present Mini-statement data, up to 10 sets.

Each data block uses TLV format for data payload.

Refer to Appendix E (Field 63) for details.

4.33. Field 64: Primary MAC Data

4.33.1.Format

b8

4.33.2.Description

The Primary Message Authentication Code data field carries the message authentication code
(MAC) for the message. This code is generated by ANSI X9.19 Method. Fields at MAC are filled in
according type of message formats represented at next chapter “MASSAGE FORMAT” (look at last
column “Field Used For Mac –Y or N”)

If the message contains secondary data fields, Field 128 is used to carry the message authentication
code. If the message authentication code is carried in Field 128, Field 64 is not included in the
message.

4.34. Field 91: Action Code

4.34.1.Format

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an 1

4.34.2.Description

This field is used to indicate type of operation. See table bellow.

Value Description

1 Add operation

3 Delete operation

4.35. Field 95: Replacement Amounts

4.35.1.Format

lllvar an…999

4.35.2.Description

This field is used to carry SmartVista Front-End amount information. There is a number of tags packed
in Field 95. The tags have the TLV structure. It means they are repeated groups of Tag IDs, Tag Lengths
and Tag Values.

Banking Production Center may occasionally introduce new Field 95 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 95 tags.

Refer to Appendix D (Field 95).

4.36. Field 100: SVFE Issuer Institution Identifier

4.36.1.Format

LLVAR ans… 4

4.36.2.Description

Field contains SVFE Issuer Institution Identifier.

4.37. Field 102: Account Identification

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4.37.1.Format

llvar ans.. 32

4.37.2.Description

Field is used in cardholder transactions. Field identifies an account number of cardholder

relationship. Data element should not be present in the message if it contains no data.

4.38. Field 103: Account Identification – 2

4.38.1.Format

llvar ans.. 32

4.38.2.Description

Field is used in cardholder transactions. Field identifies second account number of cardholder
relationship. For example, “TO account” for transfers. Data element should not be present in the
message if it contains no data.

4.39. Field 124: Private Data

4.39.1.Format

LLLLLVAR ans…99999

4.39.2.Description

Field is used for transmit some data between EPAY and CBS, there is no additional processing in
SVFE

4.40. Field 128: Secondary MAC Data

4.40.1.Format

b8

4.40.2.Description

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4.41. TheSecondaryMessageAuthenticationCodedatafieldcarriesthemessageauthenticationcode
(MAC) for the message. See Field 63: Private Data, Multiple Sets

4.41.1.Format

llllvar ans…9999

4.41.2.Description

Field contains multiple blocks (sets) of similar data type.

Type of data depends in the transaction.

SVFE transaction type Request data Response data

704 Not present Mini-statement data, up to 10 sets.

Each data block uses TLV format for data payload.

Refer to Appendix E (Field 63) for details.

Field 64: Primary MAC Data.

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MESSAGE FORMATS

1. Authorization Message

1.1. Request

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1100 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if DE48 Y

Number Tag 29 is not present
and transaction is not
cardless.

3 Processing Code n6 M Y

4 Amount, Transaction n12 M Y

5 Amount, Account n12 C Required if DE 50 is Y

present

6 Amount, Cardholder n12 C Required if DE 51 is Y

Billing present

7 Transmission Date and n10 C Protocol version 50 and Y

Time higher

9 Conversion Rate, n8 C Required if DE 51 is Y

Cardholder Billing present

10 Conversion Rate, n8 C Required if DE 50 is Y

Account present

11 Systems Trace Audit n6 M Y

Number

12 Date & Time, Local YYMMDDhhmmss n12 M Y

Transaction

14 Date, Expiration YYMM n4 C Must be present if Y

transaction is not
cardless.

15 Settlement Date YYMMDD n6 M Y

18 Merchant Type n4 C Y

22 Point of Service Date ans12 O Y

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N
Code

32 Acquiring Institution LLVAR n…11 C Y

Identification Code

37 Retrieval Reference an12 M Y

Number

38 Authorisation ans6 O May be present in Y

Identification Response transaction request when
present in transaction
(e.g. in completion
transactions).

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Protocol version 17 and Y

Identification Code higher

43 Card Acceptor Name ans 40 M Y

and Location

48 Additional Data LLLVAR ans.. 999 C Y

49 Currency Code, n3 M Y
Transaction

50 Currency Code, n3 C Required if data is Y

Account available

51 Currency Code, n3 C Required if data is Y

Cardholder Billing available

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

91 Action Code an 1 C Must be present if Y

Transaction Code = 92

100 SVFE Issuer LLVAR ans… 4 M Y

Institution Identifier

102 Account Identification LLVAR ans…32 C Can be present only if Y

non-empty

103 Account Identification- LLVAR ans…32 C Can be present only if Y

2 non-empty

128 Secondary MAC Data b8 O For future used N

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1.2. Response

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1110 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if Y

Number present in request.

3 Processing Code n6 M Y

4 Amount, Transaction n12 C Y

5 Amount, Account n12 O Y

11 Systems Trace Audit n6 M Y

Number

37 Retrieval Reference an12 C Y

Number

38 Authorisation ans6 C Y
Identification Response

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Y
Identification Code

48 Additional Data LLLVAR ans.. 999 C Tag 29 must be present Y

if present in request.

50 Currency Code, n3 C Y
Account

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

62 Mini-statement data LLLVAR ans…870 C Required for successful Y

Mini-Statement response
if DE 63 is not present.

63 Private data, Multiple LLLLVAR ans…999 C Required for successful Y

Sets 9 Mini-Statement response
if DE 62 is not present.

64 Primary MAC Data b8 O For future used N

102 Account Identification LLVAR ans…32 C Y

128 Secondary MAC Data b8 O For future used N

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2. Authorization Advice Messages

2.1. Request

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1120 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if DE48 Y

Number Tag 29 is not present
and transaction is not
cardless.

3 Processing Code n6 M Y

4 Amount, Transaction n12 M Y

5 Amount, Account n12 C Required if DE 50 is Y

present

6 Amount, Cardholder n12 C Required if DE 51 is Y

Billing present

7 Transmission Date and n10 C Protocol version 50 and Y

Time higher

9 Conversion Rate, n8 C Required if DE 51 is Y

Cardholder Billing present

10 Conversion Rate, n8 C Required if DE 50 is Y

Account present

11 Systems Trace Audit n6 M Y

Number

12 Date & Time, Local YYMMDDhhmmss n12 M Y

Transaction

14 Date, Expiration YYMM n4 C Must be present if Y

transaction is not
cardless.

15 Settlement Date YYMMDD n6 M Y

18 Merchant Type n4 C Y

22 Point of Service Date ans12 O Y

Code

32 Acquiring Institution LLVAR n…11 C Y

Identification Code

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

37 Retrieval Reference an12 M Y

Number

38 Authorisation ans6 M Y
Identification Response

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Protocol version 17 and Y

Identification Code higher

43 Card Acceptor Name ans 40 M Y

and Location

48 Additional Data LLLVAR ans.. 999 C Y

49 Currency Code, n3 M Y
Transaction

50 Currency Code, n3 C Required if data is Y

Account available

51 Currency Code, n3 C Required if data is Y

Cardholder Billing available

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

91 Action Code an 1 C Must be present if Y

Transaction Code = 92

100 SVFE Issuer LLVAR ans… 4 M Y

Institution Identifier

102 Account Identification LLVAR ans…32 C Can be present only if Y

non-empty

103 Account Identification- LLVAR ans…32 C Can be present only if Y

2 non-empty

128 Secondary MAC Data b8 O For future used N

2.2. Response

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1130 N

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if Y

Number present in request.

3 Processing Code n6 M Y

11 Systems Trace Audit n6 M Y

Number

37 Retrieval Reference an12 C Y

Number

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Y
Identification Code

48 Additional Data LLLVAR ans.. 999 C Tag 29 must be present Y

if present in request.

50 Currency Code, n3 C Y
Account

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

102 Account Identification LLVAR ans…32 C Y

128 Secondary MAC Data b8 O For future used N

3. Financial Message

3.1. Request

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1200 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

2 Primary Account LLVAR n…24 C Must be present if DE48 Y

Number Tag 29 is not present
and transaction is not
cardless.

3 Processing Code n6 M Y

4 Amount, Transaction n12 M Y

5 Amount, Account n12 C Required if DE 50 is Y

present

6 Amount, Cardholder n12 C Required if DE 51 is Y

Billing present

7 Transmission Date and n10 C Protocol version 50 and Y

Time higher

9 Conversion Rate, n8 C Required if DE 51 is Y

Cardholder Billing present

10 Conversion Rate, n8 C Required if DE 50 is Y

Account present

11 Systems Trace Audit n6 M Y

Number

12 Date & Time, Local YYMMDDhhmmss n12 M Y

Transaction

14 Date, Expiration YYMM n4 C Must be present if Y

transaction is not
cardless.

15 Settlement Date YYMMDD n6 M Y

18 Merchant Type n4 C Y

22 Point of Service Date ans12 O Y

Code

32 Acquiring Institution LLVAR n…11 M Y

Identification Code

37 Retrieval Reference an12 M Y

Number

38 Authorisation ans6 O May be present in Y

Identification Response transaction request when
present in transaction
(e.g. in completion
transactions).

41 Card Acceptor ans 8 M Y

Terminal Identification

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

42 Card Acceptor an 15 M Protocol version 17 and Y

Identification Code higher

43 Card Acceptor Name ans 40 M Y

and Location

48 Additional Data LLLVAR ans.. 999 C Y

49 Currency Code, n3 M Y
Transaction

50 Currency Code, n3 C Required if data is Y

Account available

51 Currency Code, n3 C Required if data is Y

Cardholder Billing available

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

91 Action Code an 1 C Must be present if Y

Transaction Code = 92

100 SVFE Issuer LLVAR ans… 4 M Y

Institution Identifier

102 Account Identification LLVAR ans…32 C Can be present only if Y

non-empty

103 Account Identification- LLVAR ans…32 C Can be present only if Y

2 non-empty

128 Secondary MAC Data b8 O For future used N

3.2. Response

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1210 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if Y

Number present in request.

3 Processing Code n6 M Y

4 Amount, Transaction n12 C Y

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

5 Amount, Account n12 O Y

11 Systems Trace Audit n6 M Y

Number

37 Retrieval Reference an12 C Y

Number

38 Authorisation ans6 C Y
Identification Response

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Y
Identification Code

48 Additional Data LLLVAR ans.. 999 C Tag 29 must be present Y

if present in request.

50 Currency Code, n3 C Y
Account

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

62 Mini-statement data LLLVAR ans…870 C Required for successful Y

Mini-Statement response
if DE 63 is not present.

63 Private data, Multiple LLLLVAR ans…999 C Required for successful Y

Sets 9 Mini-Statement response
if DE 62 is not present.

64 Primary MAC Data b8 O For future used N

102 Account Identification LLVAR ans…32 C Y

128 Secondary MAC Data b8 O For future used N

4. Financial Advice Messages

4.1. Request

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1220 N

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if DE48 Y

Number Tag 29 is not present
and transaction is not
cardless.

3 Processing Code n6 M Y

4 Amount, Transaction n12 M Y

5 Amount, Account n12 C Required if DE 50 is Y

present

6 Amount, Cardholder n12 C Required if DE 51 is Y

Billing present

7 Transmission Date and n10 C Protocol version 50 and Y

Time higher

9 Conversion Rate, n8 C Required if DE 51 is Y

Cardholder Billing present

10 Conversion Rate, n8 C Required if DE 50 is Y

Account present

11 Systems Trace Audit n6 M Y

Number

12 Date & Time, Local YYMMDDhhmmss n12 M Y

Transaction

14 Date, Expiration YYMM n4 C Must be present if Y

transaction is not
cardless.

15 Settlement Date YYMMDD n6 M Y

18 Merchant Type n4 C Y

22 Point of Service Date ans12 O Y

Code

32 Acquiring Institution LLVAR n…11 M Y

Identification Code

37 Retrieval Reference an12 M Y

Number

38 Authorisation ans6 M Y
Identification Response

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N
Terminal Identification

42 Card Acceptor an 15 M Protocol version 17 and Y

Identification Code higher

43 Card Acceptor Name ans 40 M Y

and Location

48 Additional Data LLLVAR ans.. 999 C Y

49 Currency Code, n3 M Y
Transaction

50 Currency Code, n3 C Required if data is Y

Account available

51 Currency Code, n3 C Required if data is Y

Cardholder Billing available

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

91 Action Code an 1 C Must be present if Y

Transaction Code = 92

100 SVFE Issuer LLVAR ans… 4 M Y

Institution Identifier

102 Account Identification LLVAR ans…32 C Can be present only if Y

non-empty

103 Account Identification- LLVAR ans…32 C Can be present only if Y

2 non-empty

128 Secondary MAC Data b8 O For future used N

4.2. Response

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1230 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if Y

Number present in request.

3 Processing Code n6 M Y

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

11 Systems Trace Audit n6 M Y

Number

37 Retrieval Reference an12 C Y

Number

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Y
Identification Code

48 Additional Data LLLVAR ans.. 999 C Tag 29 must be present Y

if present in request.

50 Currency Code, n3 C Y
Account

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

102 Account Identification LLVAR ans…32 C Y

128 Secondary MAC Data b8 O For future used N

5. Reversal Messages

5.1. Request

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1420 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if DE48 Y

Number Tag 29 is not present
and transaction is not
cardless.

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

3 Processing Code n6 M Y

4 Amount, Transaction n12 M Y

5 Amount, Account n12 C Required if DE 50 is Y

present

6 Amount, Cardholder n12 C Required if DE 51 is Y

Billing present

7 Transmission Date and n10 C Protocol version 50 and Y

Time higher

9 Conversion Rate, n8 C Required if DE 51 is Y

Cardholder Billing present

10 Conversion Rate, n8 C Required if DE 50 is Y

Account present

11 Systems Trace Audit n6 M Y

Number

12 Date & Time, Local YYMMDDhhmmss n12 M Y

Transaction

14 Date, Expiration YYMM n4 C Must be present if Y

transaction is not
cardless.

15 Settlement Date YYMMDD n6 M Y

18 Merchant Type n4 M Y

22 Point of Service Date ans12 O Y

Code

32 Acquiring Institution LLVAR n…11 M Y

Identification Code

37 Retrieval Reference an12 M Y

Number

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Protocol version 17 and Y

Identification Code higher

43 Card Acceptor Name ans 40 O Y

and Location

48 Additional Data LLLVAR ans.. 999 M Y

49 Currency Code, n3 M Y
Transaction

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

50 Currency Code, n3 C Required if data is Y

Account available

51 Currency Code, n3 C Required if data is Y

Cardholder Billing available

54 Additional Amounts LLLVAR ans…999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

91 Action Code an 1 C Must be present if Y

Transaction Code = 92

95 Replacement Amounts LLLVAR ans…999 C Y

100 SVFE Issuer LLVAR ans… 4 M Y

Institution Identifier

102 Account Identification LLVAR Ans…32 C Can be present only if Y

non-empty

103 Account Identification- LLVAR ans…32 C Can be present only if Y

2 non-empty

128 Secondary MAC Data b8 O For future used N

5.2. Response

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1430 N

- Bit Map, Primary b64 M N

- Bit Map, Secondary b64 M N

2 Primary Account LLVAR n…24 C Must be present if Y

Number present in request.

3 Processing Code n6 M Y

11 Systems Trace Audit n6 M Y

Number

37 Retrieval Reference an12 M Y

Number

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

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Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

42 Card Acceptor an 15 M Y
Identification Code

48 Additional Data LLLVAR ans.. 999 O Tag 29 must be present Y

if present in request.

54 Additional Amounts LLLVAR ans.. 999 C Y

55 EMV data LLLVAR b .. 255 O Y

64 Primary MAC Data b8 O For future used N

6. Administrative Messages

6.1. Request

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1600 N

- Bit Map, Primary b64 M N

2 Primary Account LLVAR n…24 C Must be present if DE48 Y

Number Tag 29 is not present
and transaction is not
cardless.

11 Systems Trace Audit n6 M Y

Number

12 Date & Time, Local YYMMDDhhmmss n12 M Y

Transaction

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Protocol version 17 and Y

Identification Code higher

48 Additional Data LLLVAR ans.. 999 C Y

61 Additional Amounts LLLVAR ans.. 999 M Y

and Counters

64 Primary MAC Data b8 O For future used N

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6.2. Response

Field Used
Bit Attri- Sta-
Data field Name Format Comments / Remarks For Mac
No. butes tus
Y or N

- Message Type n4 M Value is 1610 N

- Bit Map, Primary b64 M N

2 Primary Account LLVAR n…24 M Y

Number

11 Systems Trace Audit n6 M Y

Number

12 Date & Time, Local YYMMDDhhmmss n12 M Y

Transaction

39 Response Code An3 M Y

41 Card Acceptor ans 8 M Y

Terminal Identification

42 Card Acceptor an 15 M Y
Identification Code

64 Primary MAC Data b8 O For future used N

7. Network Management Messages

7.1. Request

Bit Attri- Sta-

Data field Name Format Comments / Remarks
No. butes tus

- Message Type n4 M Value is 1804

- Bit Map, Primary b64 M

11 Systems Trace Audit n6 M

Number

12 Date & Time, Local YYMMDDhhmmss n12 M

Transaction

24 Function Code N3 M

7.2. Response

Bit Attri- Sta-

Data field Name Format Comments / Remarks
No. butes tus

- Message Type n4 M Value is 1814

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Bit Attri- Sta-

Data field Name Format Comments / Remarks
No. butes tus

- Bit Map, Primary b64 M

11 Systems Trace Audit n6 M

Number

24 Function Code N3 M

39 Response Code An3 M

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MESSAGE MATCHING

1. Message Matching Data Fields

Following set of fields takes part in message matching:

• Field 2. Primary Account Number;

• Field 11. Systems Trace Audit Number;

• Message Type.

2. Search of original request for responses

Key fields used for matching response with request are Primary Account Number (field 2), System
Trace Audit Number (field 11), and Retrieval Reference Number (field 37). Appropriate request
message type (1100/1120/1200/1220/1420) is used as value for matching. For case when field 2 is
omitted field 48 tag 29 (Card Id) is used to determine real Primary Account Number for matching.

The 810 response matching fields are Message Type and System Trace Audit Number (field 11).
Appropriate request message type (0800) is used as value for matching.

3. Search of original requests for reversals

Key fields used for matching reversal with original request are Primary Account Number (field 2),
System Trace Audit Number (field 11), and Retrieval Reference Number (field 37). For case when
field 2 is omitted field 48 tag 29 (Card Id) is used to determine real Primary Account Number for
matching. If field 48 tag 31 (FE transaction number) present it can be used for matching.

4. Search of original requests for repeats

Key fields used for matching reversal with original request are Primary Account Number (field 2),
System Trace Audit Number (field 11), and Retrieval Reference Number (field 37). For case when
field 2 is omitted field 48 tag 29 (Card Id) is used to determine real Primary Account Number for
matching. Appropriate request message type (1120/1220/1420) is used as value for matching.

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APPENDIX A (FIELD 48)

1. Structure Field 48
Size Data

LLL Tag 001 Tag 002 … Tag N

3 LLL – 3

2. Structure Tags of Data Field 48

Tag No Length Data

NNN NNN Ans .. 993

3 3 NNN bytes

3. Tag 001 –Settlement type

Tag No Length Data

001 n1 Settlement type:

1 – US-ON-US
2 – US-ON-THEM

Must be present in
1100/1120/1121/1200/1220/1221/1420/1421/1600 messages for
us-on-us and us-on-them transactions.
Optional for 806 and 807 SVFE transactions types

4. Tag 002 – SVFE Transaction Type

Tag No Size Data

002 n3 SVFE Transaction Type, refer to Field 3: Processing Code.

Must be present in
1100/1120/1121/1200/1220/1221/1420/1421/1600 messages.

For 1600 message the value is 594.

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5. Tag 004 – Full Name

Tag No Size Data

004 ans 40 Full Name.

Must be present in 1110/1210 message for 684 SVFE

transactions type only.

6. Tag 005 – Credit Type

Tag No Size Data

005 n3 Credit Type.

Must be present in 1110/1210 message for 684 SVFE

transactions type only.

7. Tag 006 – Credit Issue Date

Tag No Size Data

006 N6 Credit Issue Date.

Format: YYMMDD

Must be present in 1110/1210 message for 684 SVFE

transactions type only.

8. Tag 007 – Credit Issue Interval

Tag No Size Data

007 N6 Credit Issue Interval.

YYMMDD

Must be present in 1110/1210 message for 684 SVFE

transactions type only.

9. Tag 008 – Credit End Date

Tag No Size Data

008 N6 YYMMDD

Must be present in 1110/1210 message for 684 SVFE

transactions type only.

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10. Tag 009 – Credit Enable Date

Tag No Size Data

009 N6 YYMMDD

Must be present in 1110/1210 message for 684 SVFE

transactions type only.

11. Tag 010 – Service Identifier

Tag No Size Data

010 Ans…8 Service Identifier.

If available must be present in

1100/1120/1121/1200/1220/1221 messages.

12. Tag 011 – Service Data

Tag No Size Data

011 Ans… 32 Service Data.

If available must be present in

1100/1120/1121/1200/1220/1221 messages.

13. Tag 012 – Prepaid Card Type

Tag No Size Data

012 ans 28 Prepaid Card Type

Must be present for 471 SVFE transaction type only.

14. Tag 013 – Contract ID

Tag No Size Data

013 ans 6 Contract ID.

If available must be present in
1100/1120/1121/1200/1220/1221 messages.

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15. Tag 014 – Address Verification Data

Tag No Size Data

014 Ans… 30 Cardholder address

If available must be present in 1100/1200 messages.

16. Tag 015 – Postal Code Data

Tag No Size Data

015 Ans… 9 Cardholder postal/ZIP code

If available must be present in 1100/1200 messages.

17. Tag 016 – Installment Payment Quantity

Tag No Size Data

016 n…3 Quantity of payments for Installment purchase

Must be present in 1100/1200 messages if Transaction Code =
16.

18. Tag 017 – Text Information Data

Tag No Size Data

017 Ans… 99 Free form text data

Optional for 1110/1210 messages

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19. Tag 018 – Card status

Tag No Size Data

018 n…2 SVFE Card status:

0 – valid card
1 – call issuer
2 – warm card
3 – do not honor
4 – honor with id
5 – not permitted
6 – lost card, capture
7 – stolen card, capture
8 – call security, capture
9 – invalid card, capture
10 – pick up card, special condition
11 – call acquirer security
12 – card is not activated
13 – pin_attempts_exceeded
14 – forced pin change
15 – credit debts
17 – pin activation
18 – instant card personification waiting
19 – fraud prevention
20 – temprory blocked by client
21 – permanent blocked by client
Must be present in 1100/1200 messages if Transaction Code =
91.

20. Tag 019 – Account status

Tag No Size Data

019 n…4 New account status:

0 – No restrictions
1 – No withdrawals
2 – No withdrawals or transfers
3 – Only balance inquiries
4 – Only deposits
5 – Only balance inquiries and deposits
6 – Only balance inquiries, deposits and transfers
7 – No operations allowed (account blocked)

Must be present in 1100/1200 messages if Transaction Code =

94.

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21. Tag 020 – External code for operation

Tag No Size Data

020 ans ..25 External code for some service.

Must be present in 1100/1200 messages if Transaction Code =

26.

22. Tag 021 – Customer external account number

Tag No Size Data

021 ans ..99 External account number in service provider system.

If available must be present in 1100/1200 messages.

23. Tag 022 – Customer mobile phone number

Tag No Size Data

022 ans ..32 Mobile phone number for mobile top-up services.

If available must be present in 1100/1200 messages.

24. Tag 023 – Account Funds Type

Tag No Length Data

023 an 1 Account Funds Type:

Available value:

0 – Debit.
1 – Debit with overdraft.

2 – Credit.

Could be present in 1110/1210 messages.

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25. Tag 024 – Additional operation information

Tag No Length Data

024 ans ..255 Additional operation information

Free form text

Could be present in 1100/1200 messages.
Field is recommended to be used in all IBFT transactions to
transfer purpose information or any other additional transfer
data.

26. Tag 025 – Issuer Network Identifier

Tag No Size Data

25 n4 Inner SVFE Issuer Network Identifier.

If available must be present in 1100/1200 messages.

27. Tag 026 – Acquier Institue Identifier

Tag No Size Data

26 An1..4 Inner SVFE Acquirer Institute Identifier.

If available must be present in 1100/1200 messages.

28. Tag 027 – Acquirer Network Identifier

Tag No Size Data

27 n4 Inner SVFE Acquirer Network Identifier.

If available must be present in 1100/1200 messages.

29. Tag 028 – Acquirer Country Code

Tag No Size Data

28 n3 Inner SVFE Acquirer Country Code,

If available must be present in 1100/1200 messages.

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30. Tag 029 – Card ID

Tag No Size Data

29 n .. 12 Card ID.

31. Tag 030 – Card Type

Tag No Size Data

030 n2 Card type id

32. Tag 031 – FE transaction number

Tag No Size Data

031 n .. 18 FE transaction number (utrnno)

33. Tag 032 – Customer Mobile Phone

Tag No Size Data

032 ans ..32 Mobile phone number of customer as recorded in CREF_TAB.

In general this is not the same number that passed in Tag 22
above (while sometimes this is the same number).

34. Tag 033 – Customer ID

Tag No Size Data

033 an .. 20 Customer Identifier.

Should be mapped from umf::data.customer_id.
If available must be present in all financial messages.

35. Tag 034 – FE trace number

Tag No Size Data

034 n .. 18 FE trace number (sv_trace) – FE transaction number of original

transaction.

For transaction Remittance and Cardless redemption (709) this tag contains value of Tag 031 – FE transaction number
from Remittance and Cardless origination transaction (714).
For transaction POS Purchase Cancellation (738), this tag contains value of Tag 031 – FE transaction number from
origination transaction POS Purchase (774).

For incremental transaction, this tag contains value of Tag 031 – FE transaction number from original transaction.

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36. Tag 035 – Network Reference Data

Tag No Size Data

035 ans .. 993 This tag holds Network Reference Data if presented. Actual
length and format depends on the originating network.

37. Tag 036 – FE Transaction Date and Time

Tag No Size Data

036 n14 FE transaction date and time. Format is

YYYYMMDDhhmmss.

38. Tag 037 – MDES Wallet Program Data

Tag No Size Data

037 an3 MDES Wallet Program Data (MC DE#48 Subelement 26

Subfield 1).

Presented if available.

39. Tag 038 – MDES Payment Application Instance

Tag No Size Data

038 ans .. 48 MDES Payment Application Instance (from MC DE#124).

Identifier associated with the payment application instance ID
on a device.

Only presented for FE Transaction Types 553, 555, 556 and

557, if available.

40. Tag 039 – Local Transaction Date and Time

Tag No Size Data

039 n12 The local year, month, day, and time the transaction takes place
at the card acceptor location in authorization and financial
messages in YYMMDDhhmmss format.

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41. Tag 040 – External Transaction ID

Tag No Size Data

040 ans .. 36 Unique transaction identifier provided by an external system. If

present in 1110/1130/1210/1230 should be passed in 1420/1421
request.

42. Tag 041 – VISA Token Tags

Tag No Size Data

041 ans .. 100 Tag 041 contains multiple VISA Token tags, which can be
provided in VISA authentication transactions.
Subtag name element is 3 bytes wide, subtag length element is
also 3 bytes wide, subtag data element’s length is the number
which is stored in subtag length element.

Subtag No Size Data

001 n13…19 Token

002 n11 Token Requestor ID

003 n4 Token Expiry Date

004 n2 Token Type

005 n2 AAM Velocity Checking Result

006 ans4 Elapsed Time to Live

007 ans3 Count of Number of Transactions

008 ans7 Cumulative Transaction Amount

43. Tag 042 – Service Type

Tag No Size Data

042 ans .. 8 Service Type.

Could be present in xx00/xx20/xx21 messages.

44. Tag 043 – Customer Email Address

Tag No Size Data

043 ans .. 100 Customer Email Address.

Could be present in xx00/xx20/xx21 messages.

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45. Tag 044 – Message Reason Code

Tag No Size Data

044 n4 This tag contains message reason code.

Presented if available.

46. Tag 045 – Card Mask

Tag No Size Data

045 Ans..19 Card Mask

Format N%M, where N and M are sets of digits. Not more than
6 digits for N, 4 digits for M. N or M must be present.

Example: ‘5555 xxxxxx5643’

47. Tag 046 – Billing Card ID

Tag No Size Data

046 Ans..36 Billing Card ID. Card Identifier in external Billing System like
Yota Billing.

48. Tag 047 – Additional authorization indicator

Tag No Size Data

047 n1 Additional authorization indicator

49. Tag 048 – STIP/Switch Reason Code

Tag No Size Data

048 n4 contains a code that identifies why STIP responded for the
issuer or why the Switch generated an advice.

50. Tag 049 – Business Application Identifier

Tag No Size Data

049 a2 Business Application Identifier

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51. Tag 050 – POS Environmen

Tag No Size Data

050 an 1 Field contains an Indicator for Recurring payments,

installment payments

52. Tag 051 – SV_External

Tag No Size Data

051 n1 Field contains an 1 for advice and reversal from networks

53. Tag 052 – CAVV results code

Tag No Size Data

052 ans 1 Field contains the Cardholder Authentication Verifcation

Value results code

54. Tag 053 – Advice Flow Number

Tag No Size Data

053 n1 Tag contains number flow where created advice

55. Tag 054 – External Card ID

Tag No Size Data

054 ans...20 Card Identification in External System

56. Tag 055 – Original Network Reference Number

Tag No Size Data

055 An …50 Network Reference Number of original transaction

for MasterCard – Trace ID (DE 48 tag 63).

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57. Tag 056 – Partial approval terminal support

Indicator
Tag No Size Data

056 n1 Partial approval terminal support Indicator

Valid values are:

0 – Merchant Terminal does not support Partial approval

1 – Merchant Terminal support Partial approval

58. Tag 057 – Sender Name

Tag No Size Data

057 ans ..80 The name (Consumer/Business/Government/Non-Government

Organization) of the sender

Field is reccomended to be used in all IBFT transactions.

59. Tag 058 – Sender Address

Tag No Size Data

058 ans ..50 contains the street address of the Sender

60. Tag 059 – Sender City

Tag No Size Data

059 ans ..25 contains the city of the Sender

61. Tag 060 – Sender State

Tag No Size Data

060 ans ..99 contains the state/province code of the Sender

62. Tag 061 – Sender Country

Tag No Size Data

061 ans ..3 contains the country code of the Sender

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63. Tag 062 – Sender Postal Code

Tag No Size Data

062 ans ..10 contains the postal code of the Sender

64. Tag 063 – Sender Birth Date

Tag No Size Data

063 ans ..8 contains the date of birth of the Sender

65. Tag 064 – Sender Account

Tag No Size Data

064 an..34 contains the account number of the Sender

Field is recommended to be used in all IBFT transactions.

66. Tag 065 – Sender Reference Number

Tag No Size Data

065 an ..16 Contains a transaction reference number

that is provided by the originator or acquirer

and can be used to uniquely identify the

entity funding the transaction

Field is recommended to be used in all IBFT transactions.

67. Tag 066 – Sender Card2 Number

Tag No Size Data

066 an..16 contains the card2 number from Sender Data Block

68. Tag 067 – Receiver Account

Tag No Size Data

067 an..34 contains the receiver account number from Sender Data Block
P2P

Field is recommended to be used in all IBFT transactions.

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69. Tag 068 – Funding Source

Tag No Size Data

068 an..2 Indicates the method used by the sender to fund

70. Tag 069 – Receiver Name

Tag No Size Data

069 an..30 Contains the name of the entity receiving the funds.
Field is recommended to be used in all IBFT transactions.

Should be present for Transfer Inquiry for Transfer to External

Account response if transaction has been approved and data is
available.

71. Tag 070 – Merchant Tax ID

Tag No Size Data

070 ans ..30 Contains Mecrhant Tax IDs.

72. Tag 071 – Receiver Phone Number

Tag No Size Data

071 ans...30 Phone number

73. Tag 072 – Payment Type

Tag No Size Data

072 ans...30 Digital payout code.

74. Tag 073 – IBFT Beneficiary Bank Code

Tag No Size Data

073 an...10 Bank code where receiving/beneficiary account is registered

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75. Tag 074 – IBFT Issuer Bank Code

Tag No Size Data

074 an...10 Bank code where source/issuing account is registered

76. Tag 075 – IBFT Provider/Network Name

Tag No Size Data

075 ans...20 Name of the system/reference to the regulator/reference to

network or provider who is managing and providing IBFT
transfer service, for example, ‘NAPAS’, ‘NBC’, ‘INSTAPAY’,
etc.

77. Tag 076 – Sender Document

Tag No Size Data

076 ans...99 Sender personal document identification used during

originating of transfer.

Field is recommended to be used in all IBFT transactions.

78. Tag 077 – Incremental Authorization Indicator

Tag No Size Data

077 ans...1 This field will be sent having value “1” if transaction is
incremental authorization.

If transaction is not incremental authorization this tag will not

be sent or may be sent with value “0”.

79. Tag 078 – MC Member Defined Data

Tag No Size Data

078 ans...300 This field will be sent for transaction TAR, TCN , ACN from MC

80. Tag 079 – VISA Supporting Information

Tag No Size Data

079 ans...512 This field will be sent for transaction TAR, TCN , ACN from
VISA

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81. Tag 080 – NSPK Additional Data 2

Tag No Size Data

080 ans...999 This field will be sent for transaction TAR, TCN , ACN from
NSPK

82. Tag 090-099 – Payment specific data

Tag No Size Data

090-099 ans ..25 Specific data for payment services.

If available must be present in 1100/1200 messages.

83. Tag 100 – Transaction Risk Score

Tag No Size Data

100 ans ..2 Transaction risk score.

84. Tag 101 – Risk Condition Code

Tag No Size Data

101 ans ..2 Compromised account risk condition code.

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APPENDIX B (FIELD 54)

1. Structure Field 54
Size Data

LLL Tag 001 Tag 002 … Tag N

3 LLL – 3

2. Structure Tags of Data Field 54

Tag No Length Data

NNN NNN Ans .. 99

3 3 NNN bytes

3. Tag 001 – Acquirer Fee Amount

For protocol version less than version 50:
Tag No Length Data

001 N12 Acquirer Fee Amount.

Could be present in 1100/1120/1200/1220/1420/1421 messages

if acquirer fee is available.

Could be present in 1110/1130/1210/1230 messages if acquirer

fee is recalculated in CBS.
Detailed fees (acquirer/issuer/beneficiary) of IBFT transactions
are provided in tags 18-20.

For protocol version 50 and higher:

Tag No Length Data

001 an 13 position 1 a1 Fee type C – credit D – debit

position 2 n12 Acquirer Fee Amount

Could be present in 1100/1120/1200/1220/1420/1421 messages

if acquirer fee is available.
Could be present in 1110/1130/1210/1230 messages if acquirer
fee is recalculated in CBS.

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4. Tag 002 – Transaction Amount

Tag No Length Data

002 N12 Transaction Amount.

Could be present in 1100/1120/1200/1220/1420/1421 messages

if Account Identification-2 is available.

5. Tag 003 – Account-2 Currency

Tag No Length Data

003 N3 Account-2 Currency.

Could be present in 1100/1120/1200/1220/1420/1421 messages

if Account Identification-2 Currency is available.

6. Tag 004 – Amount, Credit Initial

Tag No Length Data

004 N12 Amount, Credit Initial.

Must be present in 1110/1210 message for 684 SVFE

transactions type only.

7. Tag 005 – Amount, Total Credit

Tag No Length Data

005 n 12 Amount, Total Credit.

Must be present in 1110/1210 message for 684 SVFE
transactions type only.

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8. Tag 006 – Issuer Fee Amount and Currency

Tag No Length Data

006 an 16 Issuer Fee Amount and Currency:

Position 1 – Fee Sign (C or D)

Positions 12-13 – Fee Amount
Positions 14-16 – Fee Currency (ISO N3 Format)

Could be present in 1100/1120/1200/1220/1420/1421 messages

if issuer fee is available.
Could be present in 1110/1130/1210/1230 messages if issuer
fee is recalculated in CBS.

9. Tag 007 – Current Account Available Balance and

Currency
Tag No Length Data

007 an 16 Current Account Available Balance:

Position 1 – Balance Sign (C or D)

Positions 2-13 – Account Balance, amount

Positions 14-16 – Account Currency (ISO N3 Format)

Could be present in 1110/1130/1210/1230/1430 messages and

contains account available balance.

10. Tag 008 – Amount, Installed Exceed Limit

Tag No Length Data

008 an 12 Exceed Limit. This amount used to show overdraft or credit

limit value (in account currency) assigned to card account.
Could be present in 1110/1210 messages and contains Installed
credit limit for credit or debit with overdraft account.

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11. Tag 009 – Amount, Available Exceed Limit

Tag No Length Data

009 an 12 Available Exceed Limit. This amount used to show available

overdraft or credit limit value (in account currency) assigned to
card account.

Could be present in 1110/1210 messages and contains

Available credit limit for credit or debit with overdraft account.

Not used in current version.

12. Tag 010 – Issuer Fee Details

Tag No Length Data

010 an 17..153 1-9 Issuer Fee Amount and Id Blocks. Block content:
Position 1 – Fee Sign (C or D)

Positions 12-13 – Fee Amount

Positions 14-17 – Fee Id

Blocks are followed by each other: [Block1].[Block9].

Could be present in 1100/1120/1200/1220/1420/1421 messages

if issuer fee is available.
Could be present in 1110/1130/1210/1230 messages if issuer
fee is recalculated in CBS.

13. Tag 011 – Transaction Amount, Account Currency

Tag No Length Data

011 N12 Transaction Amount in Account Currency.

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14. Tag 012 – Current Account-2 Available Balance and

Currency
Tag No Length Data

012 an 16 Current 2nd Account Available Balance:

Position 1 – Balance Sign (C or D)

Positions 2-13 – Account Balance, amount

Positions 14-16 – Account Currency (ISO N3 Format)

Could be present in 1110/1130/1210/1230/1430 messages and
contains 2nd account available balance.

15. Tag 013 – Current Account Hold Amount and

Currency
Tag No Length Data

013 an 16 Current Account Hold Amount:

Position 1 – Balance Sign (C or D)

Positions 2-13 – Account Hold Amount, amount

Positions 14-16 – Account Currency (ISO N3 Format)

Could be present in 1110/1130/1210/1230/1430 messages and
contains account hold amount.

16. Tag 014 – Current Account Blocked Amount and

Currency
Tag No Length Data

014 an 16 Current Account Blocked Amount:

Position 1 – Balance Sign (C or D)
Positions 2-13 – Account Blocked Amount, amount

Positions 14-16 – Account Currency (ISO N3 Format)

Could be present in 1110/1130/1210/1230/1430 messages and

contains account blocked amount.

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17. Tag 015 – Current Account Ledger Balance

Tag No Length Data

015 an 16 Current Account Leder Balance:

Position 1 – Balance Sign (C or D)

Positions 2-13 – Account Balance, amount
Positions 14-16 – Account Currency (ISO N3 Format)

Could be present in 1110/1130/1210/1230/1430 messages and

contains account ledger balance.
If all tags 007, 013, 014, 015 are present the the following
condition must be met: Available Balance (tag 007) = Account
Ledger Balance (tag 015) - Hold Amount (tag 013) – Blocked
Amount (tag 014).

18. Tag 016 – Amount, Cashback

Tag No Length Data

016 n 12 Amount, Cashback.

Must be present in 1100/1200 message for 776 SVFE

transaction type.

19. Tag 017 – Network Fee Amount and Currency

Tag No Length Data

017 an 16 Network Fee Amount and Currency:

Position 1 – Fee Sign (C or D)

Positions 12-13 – Fee Amount

Positions 14-16 – Fee Currency (ISO N3 Format)

Could be present in 1100/1120/1200/1220/1420/1421 messages

if network fee is available. This is the case for local networks is
calculated by acquirer or received from network.
Could be present in 1110/1130/1210/1230 messages if network
fee is recalculated in CBS.

This field is recommended to be used for IBFT to transmit

IBFT provider fee.

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20. Tag 018 – IBFT Beneficiary Fee Amount and

Currency
Tag No Length Data

018 an 16 IBFT Beneficiary Fee Amount and Currency:

Position 1 – Fee Sign (C or D)

Positions 12-13 – Fee Amount

Positions 14-16 – Fee Currency (ISO N3 Format)

Could be present in 1100/1120/1200/1220/1420/1421 IBFT
messages if IBFT beneficiary fee is available.

Could be present in 1110/1130/1210/1230 messages if IBFT

beneficiary fee is recalculated in CBS.

21. Tag 019 – IBFT Issuer Fee Amount and Currency

Tag No Length Data

019 an 16 IBFT Issuer Fee Amount and Currency:

Position 1 – Fee Sign (C or D)

Positions 12-13 – Fee Amount

Positions 14-16 – Fee Currency (ISO N3 Format)

Could be present in 1100/1120/1200/1220/1420/1421 IBFT

messages if IBFT issuer fee is available.

Could be present in 1110/1130/1210/1230 messages if IBFT

issuer fee is recalculated in CBS.

22. Tag 020 – IBFT Acquirer Fee Amount and

Currency
Tag No Length Data

020 an 16 IBFT Acquirer Fee Amount and Currency:

Position 1 – Fee Sign (C or D)

Positions 12-13 – Fee Amount

Positions 14-16 – Fee Currency (ISO N3 Format)

Could be present in 1100/1120/1200/1220/1420/1421 IBFT

messages if IBFT acqurier fee is available.

Could be present in 1110/1130/1210/1230 messages if IBFT

acquirer fee is recalculated in CBS.

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23. Tag 057 – Original transaction amount in

transaction currency
Tag No Length Data
057 an 16 Original transaction amount in transaction currency
Position 1 – Amount sign (D – negative, C – positive)
Position 2-13 – Amount
Position 14-16 – Currency
Must present in 1110/1210 message of partial approved
transaction. This field contains the original transaction amount
received at Field 4 of transaction request.

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APPENDIX C (FIELD 61)

1. Structure Field 61
Size Data

LLL Tag 001 Tag 002 … Tag N

3 LLL – 3

2. Structure Tags of Data Field 61

Tag No Length Data

NNN NNN Ans .. 99

3 3 NNN bytes

3. Tag 001 – Cash-In Counters

Tag No Length Data

001 n 15 Counters at each active cassette (from 1 to 4) in format:

or n 30 n 3 – currency of cassette
or n 45 n 12 - amount in cassette
or n 60

4. Tag 002 – Recycling Counters

Tag No Length Data

002 n 15 Counters at each active cassette (from 1 to 3) in format:

or n 30 n 3 – currency of cassette
or n 45 n 12 - amount in cassette

5. Tag 003 – Recycling Cash-Out Counters

Tag No Length Data

003 n 15 Cash-out counters at each active cassette (from 1 to 3) in

or n 30 format:
or n 45 n 3 – currency of cassette
n 12 - cash-out amount from cassette

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APPENDIX D (FIELD 95)

1. Structure Field 95
Size Data

LLL Tag 001 Tag 002 … Tag N

3 LLL – 3

2. Structure Tags of Data Field 95

Tag No Length Data

NNN NNN Ans .. 99

3 3 NNN bytes

3. Tag 001 – Transaction Amount, Transaction

Currency
Tag No Length Data

001 N12 Transaction Amount, Transaction Currency

4. Tag 002 – Transaction Amount, Account Currency

Tag No Length Data

002 N12 Transaction Amount, Account Currency

5. Tag 003 – Transaction Amount, Cardholder Billing

Currency
Tag No Length Data

003 N12 Transaction Amount, Cardholder Billing Currency

6. Tag 006 – Transaction Currency

Tag No Length Data

006 N3 Transaction Currency

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7. Tag 007 – Account Currency

Tag No Length Data

007 N3 Account Currency

8. Tag 008 – Cardholder Billing Currency

Tag No Length Data

008 N3 Cardholder Billing Currency

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APPENDIX E (FIELD 63)

1. Structure of Field 63
Size Data

LLLL Data block 1 Data block 2 … Data block N

4 LLL – 3

2. Structure of Field 63 Data Block

Size Data

LLL Tag 1 Tag 2 … Tag N

3 LLL – 3

3. Structure of Field 63 Tags

Tag No Length Data

NNN NNN Ans .. 993

3 3 NNN bytes

4. Tag 001 – Mini-Statement Transaction Date

Tag No Length Data

001 n6 Transaction date of the transaction from the statement in

YYMMDD format.

Mandatory for Mini-Statement transaction response.

5. Tag 002 – Mini-Statement Transaction Type

Tag No Length Data

002 n3 SVFE Transaction type of the transaction from the statement.

Similar to DE 48 tag 002.

Optional for Mini-Statement transaction response.

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6. Tag 003 – Mini-Statement Transaction Debit Credit

Indicator
Tag No Length Data

003 as 1 Transaction Debit Credit Indicator of the transaction from the

statement.
Valid values:

• ‘C’ – Credit transaction

• ‘D’ – Debit transaction

• ‘ ‘ – Noop transaction
Mandatory for Mini-Statement transaction response.

7. Tag 004 – Mini-Statement Transaction Description

Tag No Length Data

004 ans ..60 Transaction description of the transaction from the statement.
or
b ..240 Transaction description could be provided in ASCII or in UTF-
8. If UTF-8 is used, the limitation is 60 UTF-8 characters (up to
240 bytes).
Optional for Mini-Statement transaction response.

8. Tag 005 – Mini-Statement Transaction Amount

Tag No Length Data

005 n 12 Transaction Amount of the transaction from the statement in

the transaction currency.
Mandatory for Mini-Statement transaction response if mini-
statement transaction is debit or credit.

9. Tag 006 – Mini-Statement Transaction Currency

Tag No Length Data

006 N3 Transaction Currency of the transaction from the statement.

Mandatory for Mini-Statement transaction response if mini-

statement transaction is debit or credit.

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10. Tag 007 – Mini-Statement Transaction Amount,

Account Currency
Tag No Length Data

007 n 12 Transaction Amount of the transaction from the statement in

the account currency.
Account currency is defined by the tag 009. If tag 009 is not
present, currency from DE 50 is used.
Optional for Mini-Statement transaction response if mini-
statement transaction is debit or credit.

11. Tag 008 – Mini-Statement Account Available

Balance
Tag No Length Data

008 n 12 Account available balance after processing of the transaction

from the statement in the account currency.

Account currency is defined by the tag 009. If tag 009 is not

present, currency from DE 50 is used.

Optional for Mini-Statement transaction response.

12. Tag 009 – Mini-Statement Account Currency

Tag No Length Data

008 n 12 Account currency of the transaction from the statement.

Optional for Mini-Statement transaction response.

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LIST OF REVISIONS
№ Date Name, Surname Modifications

1 2010-10-14 Grigoriev A.S. English version of document created. Revised edition.

2 2010-11-24 Grigoriev A.S. Added operations: Debit account with presentment, Credit
account with presentment.

3 2011-02-04 Sasin S.S. Changes in accordance with the Main Project: transaction
type for P2P_DEBIT (781) and UTILITY_PAYMENT
(508) is being changed to POSP (774), and CBS will never
know original operation type

4 2011-02-21 Ustinchenko A.G. Added tag 002 to field 61

5 2011-05-25 Dudnikov V.M. Added Account Verification transaction. Added tag 14, 15
to field 48.

6 2011-05-27 Ustinchenko A.G. Added tag 003 to field 61

7 2011-07-29 Dudnikov V.M. Added tags 16, 17, 18 to field 48. Added field 91, Added
SVFE transaction types 493, 508, 510, 596, 603, 644, 672,
751, 753, 782, 797, 798, transaction codes 16, 91, 92, 93.
Added value 841 to field 24. Changed transaction code for
transaction types 585, 618. Removed transaction type 587.

8 2011-08-30 Sasin S.S. New processing codes were added: 26 – Service

Reimbursement, 94 – Change Account Status.
New parameters for status and payments were added: tag
019 – Account status, tag 020 – External code for operation,
tag 021 – Customer external account number, tag 022 –
Customer mobile phone number, tags 090-099 – Payment
specific data.

9 2011-09-19 Kondrashin E.K. Changed field 43 format and comment field 62.3

10 2011-09-19 Sasin S.S. New processing code – Predefined Service Payment (50) –
was added.

11 2011-09-28 Dudnikov V.M. Changed description of field 39.

12 2011-10-18 Ustinchenko A.G. Added tag 008, 009 to field 54

Added tag 023 to field 48

Changed name of tag 007 of field 54

13 2011-11-03 Dudnikov V.M. Added tag 24 to field 48.

14 2011-12-16 Dudnikov V.M. Field 22 marked as optional.

15 2011-12-27 Dudnikov V.M. Added SVFE transaction type 781.

16A 2013-10-22 Sheina E.D. Changed description for fields 4, 5, 54

17A 2013-10-31 Karpov A.V. Added description of field 42.

18A 2013-11-15 Sheina E.D. Added DE38 as optional to transaction requests.

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№ Date Name, Surname Modifications

19A 2014-11-25 Sheina E.D. Added new values for DE39

20A 2014-11-26 Karpov A.V. Added new tags 25-28 to DE48

21A 2015-01-12 Sheina E.D. Added DE55 (EMV data)

22A 2015-01-13 Sheina E.D. Added new Tag 29 (Card ID) to DE48.

23A 2015-01-23 Vernik K.A. Added new Tag 30 (Card type ID) to DE48. Added new
Tag 10 (Issuer Fee Details) and Tag 11 Transaction
Amount, Account Currency to DE54.

24A 2015-02-16 Sheina E.D. Fixed DE43 format in “Message format” section.

25A 2015-02-25 Sheina E.D. Fixed DE39 description: changed SV resp for CBS resp =
124.

26A 2015-03-25 Karpov A.V. Add DE37 to the set of key fields used for matching CBS
responses with requests.

27A 2015-07-03 Sheina E.D. Fixed DE54 Tag 11 description

28A 2015-07-31 Sheina E.D. Added new response code – 243.

29A 2015-09-09 Karpov A.V. Change status of DE102 and DE103 from MANDATORY
to CONDITIONAL as it is possible that these data elements
may be empty.

30A 2015-09-11 Sheina E.D. Actualized processing codes and SVFE transaction types
list.

31A 2015-10-14 Sheina E.D. Added new tag 031 (FE transaction number (utrnno)) to DE
48.

32A 2015-11-27 Karpov A.V. Added new tag 032 (Customer Mobile Phone Number -
taken from CREF_TAB only) to DE 48.

33A 2016-02-04 Karpov A.V. Change format for DE62. New subfield added for N3
transaction currency code.

34A 2016-03-03 Sheina E.D. Added Authorization Chargeback Protection Period

Extension transaction.

35A 2016-04-20 Sheina E.D. Added new response code: 940 – Original transaction not
found.

36A 2016-06-06 Sheina E.D. Added new response code: 957 – Payment institution is
unknown or unsupported.

37A 2016-10-26 Rashin G.D. Generic transaction description field was added to field 62
(Mini statement data)

38A 2017-04-06 Vikharev A.S. Added the new tag 012 for the Field 54. The tag 009 is
marked as unused.

39A 2017-06-01 Shinkarenko T.N. Added the new tag 033 for the Field 48 (Customer ID).

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40A 2017-06-26 Vikharev A.S. Added new tags:

• 48.034 (FE trace number);

• 48.035 (Network Reference Data);

• 48.036 (FE Transaction Date and Time);

• 48.037 (MDES Wallet Program Data);

• 48.038 (MDES Payment Application Instance).

The maximum length of 48.31 (FE transaction number) has

been extended up to 18 digits.

40A 2017-07-06 Vikharev A.S. Field 62 description was corrected:

• Layout was changed for “Format”.

• The maximum field length was corrected for

version 37A or higher.

40A 2017-07-18 Karpov A.V. Added new tag 48.039 Local Transaction Date and Time.

41A 2017-07-20 Vikharev A.S. Added new function code 36xxxx (Transfer Inquiry) for
DE#3.

42A 2017-07-25 Vikharev A.S. Added new tags:

• 54.013 (Hold Amount);

• 54.014 (Blocked Amount);

• 54.015 (Account Balance).

43A 2017-08-15 Vikharev A. S. Added new tag 48.040 (External Transaction ID).

44A 2017-08-16 Letovaltcev N.V. Added new tag 48.041 (VISA Token Tags)

45A 2017-08-17 Vikharev A. S. Added new tags:

• 48.042 (Service Type);

• 48.043 (Customer Email Address).

46A 2017-09-08 Letovaltcev N.V. Added new tag 48.044 (Message Reason Code)

47A 2017-11-14 Vikharev A. S. Changed description of DE#5.

48А 2017-02-16 Ignatov M.V. Added new tag 48.045 (Card Mask)

49A 2018-03-28 Karpov A.V. Added new tag 49.046 (Billing Card ID)

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50A 2018-04-05 Ignatov M.V. Add field 7 Transmission Date and Time,

Change tag 54.001 Acquirer Fee Amount

Add new tags:

• 48.047 Additional authorization indicator

• 48.048 STIP/Switch Reason Code

• 48.049 Business Application Identifier

• 48.050 POS Environmen

51А 2018-07-06 Ignatov M.V. Add new tag 48.051 SV_External

52A 2018-07-24 Sheina E.D. Change usage of Field 54 tags 001, 006, 010. Tags could be
present in 1110/1130 messages.

2018-08-17 Karpov A.V. Add description of field 7 from 50A to message layouts.

53A 2018-09-11 Ignatov M.V. Add new tag 48.052 CAVV results code

54A 2018-09-20 Karpov A.V. Optional field 48 added to layout of 1430 reversal advice
response.

55A 2018-10-01 Sheina E.D. Added processing codes for Cashback and Purchase with
Cashback transactions.
Added new tag 16 for Field 54 – Cashback amount.
Added new values for Field 22: position 1 – value S,
position 5 – values I and R, position 11 – value 5, position
12 – value S.

Added new Response Codes (Field 39): 239 and 893.

56A 2019-01-15 Budnikov V.V. Added new Response Codes (Field 39): 370 and 371.

57A 2019-02-08 Karpov A.V. Change format and description of Field 63 Account Balance
to allow negative amounts with leading minus sign .

58A 2019-06-19 Karpov A.V. Add DE54 presence to Authorization Advice Message
Request Layout.

59A 2019-06-24 Karpov A.V. Add Processing Code 01 for TT 683 EPOS Cash Advance.

60A 2019-07-05 Ermolaev N.A. Add support Remittance and Cardless Withdrawal
transactions.

61A 2019-07-15 Ignatov M.V. Add new tag 48.053 Advice Flow Number

62A 2019-09-19 Karpov A.V. Add possibility of DE63’s presence in reversal’s responses.

63A 2020-01-16 Gulyaev S.S. Add new tags 48.054 – External Card ID, 48.055 –
Original Network Reference Number.

64A 2020-02-12 Shuklin R.V. The broken link was replaced by a link to field 64 in field
128. Approved by Sheina E.D

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65A 2020-02-20 Sheina E.D. Changes to support Partial approval:

New response code 248 in Field 39;

New Tag 54.057 – Original transaction amount in
transaction currency;
New Tag48. 056 – Partial approval terminal support
Indicator

66A 2020-03-12 Ignatov M.V. Add new tags of field 48:

Tag 057 – Sender Name

Tag 058 – Sender Address

Tag 059 – Sender City

Tag 060 – Sender_State

Tag 061 – Sender Country

Tag 062 – Sender Postal Code

Tag 063 – Sender Birth Date

Tag 064 – Sender Account

Tag 066 – Sender Card2 Number

Tag 067 – Receiver_Account

Tag 068 – Funding_Source

Tag 069 – Receiver_Name

67A 2020-03-18 Popov A. E. Tag 070 – Mecrhant Tax IDs

Tag 071 – Receiver Phone Number

Tag 072 – Payment Type

68A 2020-03-27 Rashin G. D. IBFT functions were added.

Processing codes: 12, 26, 44, 61, 62.

Tags 073, 074, 075, 076 for field 48.

Additional amount types 017, 018, 019 for field 54.

69A 2020-04-29 Karagichev A. A. Added tag DE48.77 – Incremental Authorization Indicator

70A 2020-06-09 Ignatov M.V. Add new tags of field 48:

Tag 078 – MC Member Defined Data

Tag 079 – VISA Supporting Information

Tag 080 – NSPK Additional Data 2
Add field 124 Private Data

Added new response code – 085

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71A 2020-06-11 Igantov M.V. Add new processing codes

96 – Tokenization Authorization Request, TAR

97 – Activation Code Notification, ACN

98 – Tokenization Complete Notification, TCN

72A 2020-10-23 Thao N Update tag 002 and 003 of Field 54 according to existing
SVFE implementation

73A 2020-10-28 Thao N Update Comment/Remark for DE42 in Message Format and
tag 001 of Field 54 according to existing SVFE
implementation

74A 2020-12-09 Dudnikov V.M. Updated SVFE transaction type for Transfer Inquiry for
Transfer to External Account. Updated description of Field
48 tag 069.

75A 2020-12-15 Thao N Add new processing code : 23-External Account Cash
Deposit

76A 2020-15-18 Dudnikov V.M. SVFE transaction type 567 changed to 443.

77A 2020-12-24 Karagichev A.A. Add new tags of field 48:

100 – Transaction risk score
101 – Risk condition code

78A 2021-01-13 Dudnikov V.M. Description of field 5 has been updated. Field 63 has been
removed. Description of field 54 tag 015 has been updated.

79A 2021-01-14 Karagichev A.A. Increased size of 48.60 – Sender State, up to 99 characters
in accordance with Epay specification.

80A 2021-03-02 Gulyaev S. S. Fix status of field 2 and field 48 tag 29 in response
messages. Add more information for matching section. Fix
example in field 48 tag 45.

81A 2021-04-01 Thao N Updated description of SVFE transaction type 807 at DE03
and description of DE48 tag 001

82A 2021-04-20 Dudnikov V.M. Remove DE 4 usage as available balance for Balance
Inquiry response.

83A 2021-05-12 Thao N Field 39 : update description of SV RC 818 and add

mapping for SV RC 841

84A 2021-06-15 Thao N Add new processing code : 02-POS Purchase Cancellation

85A 2021-06-17 Thao N Update description of DE48.Tag034 for POS Purchase

Cancellation

86A 2021-07-12 Thao N Update description of DE04 and DE48 tag 034 for
incremental transaction.

87A 2021-08-31 Sheina E.D. Add processing code 29 for Fast Refund transaction (813).

88A 2021-10-20 Gulyaev S.S. Add description for messages 12xx as for 11xx

89A 2021-10-29 Dudnikov V.M. Updated usage of DE 2 in the request messages.

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90A 2022-01-21 Dudnikov V.M. Updated DE 14 usage in request messages.

91A 2022-02-04 Dudnikov V.M. Added new IBFT check and ITFT transfer to DE 3 values.

92A 2022-04-04 Dudnikov V.M. Changed requirements for DE 5/6/9/10/50/51 presence in

the messages.

Fixed description of DE 10.

93A 2022-05-06 Gulyaev S.S. Added description for search of original requests for
reversals and repeats

94A 2022-05-18 Dudnikov V.M. Added DE 54 tag 20, updated description of DE 48 tags
1/18/19.

95A 2022-06-01 Kaligin S.S. Field 32 marked as conditional for authorization request
and authorization advice.

96A 2022-06-14 Thao N Updated DE22 values

97A 2022-06-28 Karagichev A.A. Added processing codes for 725 and 726 transactions

98A 2022-09-28 Dudniko V.M. Added new DE 63. Update format of 1110/1210 response
messages.

99A 2022-10-25 Ignatov M.V. Add processing codes:

- 21 for CHECK Cash Deposit (475).

- 28 for Government to Consumer payment (554)

- 28 for Other source to consumer payment (898)

100A 2022-12-20 Durdyev M Fixed communication protocol description (fixed

description length of header message)

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