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POS Transaction

JSON Format

In Server to Server API specification, we only provide the financial related transaction API.

Transaction API

The following is supported POS transaction and you need to provide POS information with the normal payment APIs.

Transaction typeReference API Information
Sale (Purchase)Payment API
Pre-authorizationPreauthorization API
Final authorization( Pre-auth Completion) Capture API
InquiryExchange Rate Inquiry Exchange Rate
VoidReversal API (resource type =VOID)
ReversalReversal API
RefundRefund API
Key ExchangeKey Exchange

Common POS Transaction Flow

Purchase & Pre-authorization

If the terminal or merchant didn’t support dynamic currency conversion , the POS terminal will send the normal payment request with POS information.

  • Merchant Insert / Tap /Swipe Card in POS and enter transaction amount
  • Send the "Payment" or "Pre-authorization" request with POS information to get authorization
  • After approval received and receipt will be printed out in Terminal

Dynamic Currency Conversion Flow

  • Merchant Insert / Tap /Swipe Card in POS and enter transaction amount
  • Send the "Inquiry exchange rate" request without card track or card chip information to get the billing currency and exchange rate
  • Terminal will show the following the currency choice screen to customer including:
    • Sale Amount
    • Exchange Rate
    • Mark-up
    • Home Currency Amount
    • And give cardholder two choices
  • Cardholder will choose transaction currency by pressing 1 or 2. And then terminal will perform authorization to BANK in selected currency.
  • After approval received and receipt will be printed out in Terminal

POS Transaction Info

Request parameters

ParameterDescriptionFormatRequired
pos.encryptedPin.dataEncrypted online PIN data.AN64[a-zA-Z0-9]64Optional
pos.encryptedTrack1.dataEncrypted Track1 data (TRACK2).AN128[a-zA-Z0-9]128OPtional
pos.encryptedTrack2.dataEncrypted Track2 data (TRACK2).AN64[a-zA-Z0-9]64Optional
pos.encryptedTrack3.dataEncrypted Track3 data (TRACK2).AN128[a-zA-Z0-9]128Optional
pos.encryptedIccDataAdditional data returned by the card, including ARQC.AN512[a-zA-Z0-9]512Optional
pos.location.accuracyGPS accuracy.N32[0-9]32Optional
pos.location.latitudeLatitude by GPS.N12-?[0-9]1[0-9]1.[0-9]-7Optional
pos.location.longitudeLongitude by GPS.N13-?[0-1]?[0-9]2.[0-9]-7Optional
pos.panSequenceNumberSequence number of the card, in case multiple were issued with the same PAN.N3[0-9]Optional
pos.entryModeWhat interface was used by the terminal for the transaction.N2Required
pos.pinEntryCurrentIndicates if the terminal is currently able to handle PIN. Possible values: 8 PINpad is not operative nowN1Required
pos.transactionSequenceNumberSequence number of the transaction, incremented after each transaction by the terminal.N6[0-9]6Optional
pos.batchNumberBatch number of the transaction.N32[0-9]32Optional
pos.localDatelocal date on which the transaction takes place at the point of card acceptor location.N8 YYYYMMDDRequired
pos.localTimelocal time on which the transaction takes place at the point of card acceptor location.N6 hhmmssRequired
pos.upiReserved60Reserved Private Field 60 of UPI POSAN32[a-zA-Z0-9]128Required

Response parameters:

ParameterDescriptionFormatRequired
pos.transactionIdentifierTransaction identifier assigned by the acquirer.AN32[a-zA-Z0-9]2048Optional
pos.terminalIdTerminal identifier assigned by the acquirer.AN2048[a-zA-Z0-9]2048Optional
pos.iccDataResponseData returned by the issuer that has to be returned to the card, including ARPC.AN2048[a-zA-Z0-9]2048Optional
pos.statusTextText that has to be additionally printed on the receipt (instead of approved/declined).AN2048[a-zA-Z0-9]2048Optional
pos.timestampTimestamp of the transaction with the acquirer.date yyyy-MM-dd hh:mm:ssOptional

Inquiry Exchange Rate

Inquiry exchange rate can be initiated with payment request at the same time by sending the inquiryFxRate parameter with a value of true. This is done by sending a POST request to the /payments endpoint.

Request parameters:

ParameterDescriptionFormatRequired
inquiryFxRateInquiry Exchange Rate of DCC transactiontrue/falseRequired
curl https://host:port/eastpay/v3/payments \
-d "entityId= tEntity1" \
-d "entityType=PARTICIPATOR" \
-d "amount=92.00" \
-d "currency=EUR" \
-d "paymentBrand=VISA" \
-d "paymentType=DB" \
-d "card.number=4200000000000000" \
-d "card.holder=Jane Jones" \
-d "card.expiryMonth=05" \
-d "card.expiryYear=2034" \
-d "card.cvv=123" \
-d "inquiryFxRate=true" \
-H "Authorization: Bearer OGE4Mjk0MTc0YjdlY2IyODAxNGI5Njk5MjIwMDE1Y2N8c3k2S0pzVDg="

Response parameters:

ParameterDescriptionFormat
dcc.amountAmount in cardholder billing currencyN10.N2[0-9]10(.[0-9]2)
dcc.currencyThe currency code of the cardholder billing currencyA3[A-Z]3
dcc.conversionRateThe converion rate of the local currency and cardholder billing curreny If thecardholder billing currency is the same as the transaction currency, the conversion rate will be 1000000.N8 Fixed length 8 positions; the leftmost decimal indicator denotes the number of positions that the decimal point shall be moved from the right. Example: For data element value "69972522", conversion rate is 9.972522. The leftmost digit must be in the range 0–7.
dcc.conversionDescThe english description of the converion rateAN64[A-Z]64
dcc.markupThe markup of the conversionN10.N2[0-9]10(.[0-9]2)
dcc.statementThe statement in cardholder receiptAN255[a-zA-Z0-9_] 255

Key Exchange

There are two keys for POS transactions , one is to protect cardholder PIN and the other is to encrypt cardholder sensitive data ( track data and ICC data)

Request parameters:

ParameterDescriptionFormatRequired
key.algorithmIndicates the algorithm of key, the possible value is : TDESAES256A6Mandatory

resourcePath=/eastpay/v3/key/request

curl https://host:port/eastpay/v3/key/request \
-d "entityId= tEntity1" \
-d "entityType=PARTICIPATOR" \
-d "key.algorithm=TDES" \
-H "Authorization: Bearer OGE4Mjk0MTc0YjdlY2IyODAxNGI5Njk5MjIwMDE1Y2N8c3k2S0pzVDg="

Response parameters:

ParameterDescriptionFormat
key.algorithmIndicates the algorithm of key, the possible value is : TDESAES256A6
key.pinKeyPIN key under ZMKAN48[A-Z0-9]48
key.encryptKeyData encryption key under ZMKAN48[A-Z0-9]48
{
"id":"872b883720a8d9d81343123b0fbcd176",
"result":{
"code":"000.000.000",
"description":"Transaction succeeded"
},
"key":{
"pinKey":"748ADE4891521CF614BD686F21F85DA00FB4E216136DA4D7",
"encryptKey":"048725B82DCE05741CBA2EA019CE3A1B344F86ADED675E88"
},
"buildNumber":"5a76591c8e1d872b883720a8d9d82d2bc1ff8199@2020-01-15 07:59:05 +0000",
"timestamp":"2020-01-18 12:51:05.326+0000",
"ndc":"8a8294174b7ecb28014b9699220015ca_71665329ea9642e19b409bb793a9b80f"
}

ISO8583 Format

This chapter contains the implementation of the ISO 8583–1987 international message standard for processing POS transaction.

Communication

Specification

ProtocolHTTPS
ProtocolHTTPS
Request MethodPOST
Content-Typeapplication/json for both request and response
EncodingUTF-8
Signature AlgorithmSHA256WithRSA
OthersHTTP Authorization request header: Authorization: Bearer RSA(ISO8583) Sigature is capitalized

The message from POS to backend is ISO8583 message in HexBinary form.

Sample Request

Request Parameters
Data FieldData TypeDescription
dataStringISO8583 message in Hex form
memberIdStringMember ID pairs with corresponding RSA secret key. For POS: 15-digit Merchant ID For institutions: fixed ID
requestId- StringRequest ID
{
"memberId":"0000000001",
"requestId ":"A000000001",
"data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
}

Sample Response

Response Parameters
Data FieldData TypeDescription
dataStringISO8583 message in Hex form
memberIdStringMember ID pairs with corresponding RSA secret key
requestIdStringRequest ID
errorStringIf any exceptions or errors occur

Successful response

{
"memberId":"0000000001",
"requestId ":"A000000001",
"data":"0000630060000000306031003213010230003800000AC000030000441157261205323231323035313135373236393631303030303030333433313230303331373130353833340022BDBBBBBBD6D0D0C4D2ECB3A3C7EBC9D4BAF3D6D8CAD44538444634443133"
}

Exceptional response

{
"memberId":"0000000001",
"requestId ":"A000000001",
"error":"Message Format Error"
}

Non-Financial Transactions

Non-Financial Transaction including sign-on, sign-off, parameter download and batch settlement transactions.

Purchase

Field Definitions

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD200210MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM00xxxx
4Amount, Transactionn12BCDMM
11System Trace Numbern6BCDMM
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDC1C2C1:This field exists when POS is able to check the expiry date.
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDM
23Card Sequence No.n3BCDCCC: when POS is able to obtain this value.
25POS Condition Coden2BCDMM00 for Purchase
26POS PIN Capture Coden2BCDCC: when Field 22 indicates PIN entry is supported and card-holder has input PIN
32Acquiring Institution IDn..11LLVARBCDM
35Track 2 dataz..37LLVARBCDCWhen Field 22 indicates card presents and Track 2 information exists, this field
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIIC
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMM
52PIN Datab64BINARYCoffline PIN verification and present when the card requests online PIN
53Security Related Control Informationn16BCDCCmandatory when security required
54Supplementary AmountAn…20LLLVARASCIIC
55IC Card DataMax. 255 bytesLLLVARInclude several sub-Fields
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Purchase Reversal

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD400410MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMMThe same as original transaction
4Amount, Transactionn12BCDMMThe same as original transaction
11System Trace Numbern6BCDMMThe same as original transaction
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDCCThe same as original transaction
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDMThe same as original transaction
23Card Sequence No.n3BCDCCThe same as original transaction
25POS Condition Coden2BCDMMThe same as original transaction
32Acquiring Institution IDn..11LLVARBCDM
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIICFilled with original transaction auth code if it exists in the response message of original trans action.
39Response Codean2ASCIIMMreversal reason in request message
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMMThe same as original transaction
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMMoriginal Transaction type
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message
  • a) POS receives no response from POS center within given time. Reversal reason code field should be filled with ‘98’.
  • b) POS receives response from POS center within given time but relevant transaction fails because of POS malfunction. Reversal r reason code field should be filled with ’9 6
  • c) POS verifies that MAC error in the response message sent by POS center. Reversal reason code field should be filled with ‘A0’
  • d) Other situations. Reversal reason code field should be filled with ‘06’.

Purchase Void

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD200210MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM20XXXX
4Amount, Transactionn12BCDMMThe same as original transaction
11System Trace Numbern6BCDMM
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDCCThe same as original transaction
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDMThe same as original transaction
23Card Sequence No.n3BCDCCThe same as original transaction
25POS Condition Coden2BCDMMThe same as original transaction
32Acquiring Institution IDn..11LLVARBCDM
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIICCFilled with original transaction auth code if it exists in the response message of original trans action.
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMMThe same as original transaction
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on ApplicationBCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
61Original Transaction InformationAn…016LLLVARBCDOriginal batch no.( 6digits)+ Original STAN (6 digits)+Original Transaction Date(Optional,4digits)
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Pre-authorization

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD100110MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM03xxxx
4Amount, Transactionn12BCDMM
11System Trace Numbern6BCDMM
12Timen6hhmmssBCDM
13Date,Localn4MMDDBCDM
14Expiry Daten4YYMMBCDC1C2C1:This field exists when POS is able to check the expiry date.
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDM
23Card Sequence No.n3BCDCCC: when POS is able to obtain this value.
25POS Condition Coden2BCDMMFor regular pre-authorization, the value is “06”
26POS PIN Capture Coden2BCDCC: when Field 22 indicates PIN entry is supported and card-holder has input PIN
32Acquiring Institution IDn..11LLVARBCDM
35Track 2 dataz..37LLVARBCDCWhen Field 22 indicates card presents and Track 2 information exists, this field
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIIC
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMM
52PIN Datab64BINARYCoffline PIN verification and present when the card requests online PIN
53Security Related Control Informationn16BCDCCmandatory when security required
53Security Related Control Informationn16BCDCCmandatory when security required
54Supplementary AmountAn…20LLLVARASCIIC
55IC Card DataMax. 255 bytesLLLVARInclude several sub-Fields
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
62ReservedAns512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Pre-authorization Reversal

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD400410MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMMThe same as original transaction
4Amount, Transactionn12BCDMMThe same as original transaction
11System Trace Numbern6BCDMMThe same as original transaction
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDCCThe same as original transaction
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDMThe same as original transaction
23Card Sequence No.n3BCDCCThe same as original transaction
25POS Condition Coden2BCDMMThe same as original transaction
32Acquiring Institution IDn..11LLVARBCDM
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIICFilled with original transaction auth code if it exists in the response message of original trans action.
39Response Codean2ASCIIMMreversal reason in request message
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMMThe same as original transaction
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMMSame as original transaction type
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Pre-authorization Void

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD100110MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM20XXXX
4Amount, Transactionn12BCDMMThe same as original transaction
11System Trace Numbern6BCDMM
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDCCThe same as original transaction
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDMThe same as original transaction
23Card Sequence No.n3BCDCCThe same as original transaction
25POS Condition Coden2BCDMMThe same as original transaction
32Acquiring Institution IDn..11LLVARBCDM
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIIMCFilled with original transaction auth code
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMMThe same as original transaction
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
61Original Transaction InformationAn…016LLLVARBCDOriginal batch no.( 6digits)+ Original STAN (6 digits)+Original Transaction Date(Optional,4digits)
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Pre-authorization Completion

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD200210MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM00xxxx
4Amount, Transactionn12BCDMM
11System Trace Numbern6BCDMM
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDC1C2C1:This field exists when POS is able to check the expiry date.
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDM
23Card Sequence No.n3BCDCCC: when POS is able to obtain this value.
25POS Condition Coden2BCDMM06 for pre-authorization completion
26POS PIN Capture Coden2BCDCC: when Field 22 indicates PIN entry is supported and card-holder has input PIN
32Acquiring Institution IDn..11LLVARBCDM
35Track 2 dataz..37LLVARBCDCWhen Field 22 indicates card presents and Track 2 information exists, this field
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIIMCThe same as original pre auth transaction upon request
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMM
52PIN Datab64BINARYCoffline PIN verification and present when the card requests online PIN
53Security Related Control Informationn16BCDCCmandatory when security required
54Supplementary AmountAn…20LLLVARASCIIC
55IC Card DataMax. 255 bytesLLLVARInclude several sub-Fields
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
61Original Transaction InformationAn…016LLLVARBCDOriginal batch no.( 6digits)+ Original STAN (6 digits)+Original Transaction Date(Optional,4digits)
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

7.2.2.9.Pre-authorization Completion Reversal

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD400410MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMMThe same as original transaction
4Amount, Transactionn12BCDMMThe same as original transaction
11System Trace Numbern6BCDMMThe same as original transaction
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDCCThe same as original transaction
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDMThe same as original transaction
23Card Sequence No.n3BCDCCThe same as original transaction
25POS Condition Coden2BCDMMThe same as original transaction
32Acquiring Institution IDn..11LLVARBCDM
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIIMThe same as original transaction
39Response Codean2ASCIIMMreversal reason in request message
41Card Acceptor Terminal IDans8ASCIIMMThe same as original transaction
42Card Acceptor IDans15ASCIIMMThe same as original transaction
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMMThe same as original transaction
55IC Card DataMax. 255 bytesLLLVARInclude several sub-FieldsC
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMMSame as original transaction type
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Pre-authorization Completion Void

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD200210MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM00xxxx
4Amount, Transactionn12BCDMM
11System Trace Numbern6BCDMM
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDC1C2C1:This field exists when POS is able to check the expiry date.
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDM
23Card Sequence No.n3BCDCCC: when POS is able to obtain this value.
25POS Condition Coden2BCDMM06 for pre-authorization completion
32Acquiring Institution IDn..11LLVARBCDM
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIIMCThe same as original pre auth transaction upon request
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMM
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
61Original Transaction InformationAn…016LLLVARBCDOriginal batch no.( 6digits)+ Original STAN (6 digits)+Original Transaction Date(Optional,4digits)
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Refund (RFU)

POS does not support this refund transaction, this interface is reserved and will not be used now.

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD220230MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM20xxxx
4Amount, Transactionn12BCDMM
11System Trace Numbern6BCDMM
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDC1C2C1:This field exists when POS is able to check the expiry date.
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDM
23Card Sequence No.n3BCDCCC: when POS is able to obtain this value.
25POS Condition Coden2BCDMM00 for Refund
26POS PIN Capture Coden2BCDCC: when Field 22 indicates PIN entry is supported and card-holder has input PIN
32Acquiring Institution IDn..11LLVARBCDM
35Track 2 dataz..37LLVARBCDCWhen Field 22 indicates card presents and Track 2 information exists, this field
37Retrieval Ref. No.an12ASCIIMThe same as the original transaction upon request
38Auth Codean6ASCIICC
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMM
52PIN Datab64BINARYCoffline PIN verification and present when the card requests online PIN
53Security Related Control Informationn16BCDCCmandatory when security required
55IC Card DataMax. 255 bytesLLLVARInclude several sub-Fields
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Balance Inquiry (RFU)

POS does not support this balance inquiry transaction, this interface is reserved and will not be used now.

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD200210MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM31xxxx
11System Trace Numbern6BCDMM
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
14Expiry Daten4YYMMBCDC1C2C1:This field exists when POS is able to check the expiry date.
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDM
23Card Sequence No.n3BCDCCC: when POS is able to obtain this value.
25POS Condition Coden2BCDMM00 for balance inquiry
26POS PIN Capture Coden2BCDCC: when Field 22 indicates PIN entry is supported and card-holder has input PIN
32Acquiring Institution IDn..11LLVARBCDM
35Track 2 dataz..37LLVARBCDCWhen Field 22 indicates card presents and Track 2 information exists, this field
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
38Auth Codean6ASCIIC
39Response Codean2ASCIIM
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIIC
49Currency Code Of Transactionan3ASCIIMM
52PIN Datab64BINARYCoffline PIN verification and present when the card requests online PIN
53Security Related Control Informationn16BCDCCmandatory when security required
54Additional AmountsAn…040LLLVARASCIICmandatory when Field 39 is ‘00’
55IC Card DataMax. 255 bytesLLLVARInclude several sub-Fields
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Transaction Result Inquiry Message

The transaction result inquiry message is used to get the status of the void/reversal transactions when the void/reversal transaction times out. The transaction result inquiry cannot be used for inquiring the status of purchase / pre-auth transactions.

FieldField DefinitionAttributeFormatTypeRequestResponseNote
Message Typen4BCD200210MSG-TYPE-ID
bit mapB64BINARYMMBIT MAP
2PANn..19LLVARBCDCM
3Processing Coden6BCDMM31XXXX
4Amount, Transactionn12BCDMMThe same as original transaction
11System Trace Numbern6BCDMMThe same as original transaction
12Time Localn6hhmmssBCDM
13Date Localn4MMDDBCDM
15Settlement Daten4MMDDBCDM
22POS Entry Moden3BCDMThe same as original transaction
25POS Condition Coden2BCDMM20
32Acquiring Institution IDn..11LLVARBCDM
37Retrieval Ref. No.an12ASCIIMPOS center system trace number
39Response Codean2ASCIIM“92” means there’s no response of original transaction and please resend request after 10 seconds
41Card Acceptor Terminal IDans8ASCIIMMterminal code
42Card Acceptor IDans15ASCIIMMmerchant code
44Additional Responseans..25LLVARASCIICBytes 58 and 59 are the response code of the original transaction
49Currency Code Of Transactionan3ASCIIMMThe same as original transaction
59Device Informationans..128LLLVARASCIIMBrand ID (6 chars) +Terminal Type (2 digits)+ Terminal Model (20 chars)+ Terminal serial number (50 chars)
60Reservedn…011LLLVARBCDMM
60.1Transaction Type Coden2BCDMM1
60.2Batch Numbern6BCDMM
60.3Network Administration Coden3BCDCCThis Field only appears when following sub-Field exists. Fill with default value 000
60.4Terminal Entry Capabilityn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Fill 5 in this Field for all the above situations.
60.5IC card Condition Code based on Applicationn1BCDCCAppear only in IC card transaction, fall back and magnetic stripe card transaction occurring at IC card terminal. Filling is subject to actual situation for IC card and fall-back transactions; fill 0 for magnetic stripe card transaction occurring at IC card terminal.
61Original Transaction InformationAn…016LLLVARBCDOriginal batch no.( 6digits)+ Original STAN (6 digits)+Original message type(4 digits)+Original Process Code (6 digits) +Original Transaction Date(Optional,4digits)
62Reservedans…512LLLVARASCIICC
63Reservedans...063LLLVARASCIIM
64MACb64BINARYMCmandatory when Field 39 as ‘00’ or ‘10’ in response message

Transaction Type

The following is a list of the elements that identify the transaction type.

Transaction TypeMessage TypeProcessing CodePOS Condition CodeTransaction Type CodeWhether trigger reversal
Pre-authorization0100/011003XXXX0610Yes
Pre-auth Void0100/011020XXXX0611No
Pre-auth completion0200/021000XXXX0620Yes
Pre-auth completion Void0200/021020XXXX0621No
Purchase0200/021000XXXX0022Yes
Purchase Void0200/021020XXXX0023No
Transaction Result Inquiry0200/021031XXXX2001No

Field Description

Field 3 Processing Code

A processing code is made up of 6 digits number. The first and second digits stand for the transaction type.

1st and 2nd DigitDescription
00Goods And Service
03Preauthorization / Cheque Guarantee (Funds Guaranteed)
20Returns

The 3rd and 4th digits stand for the type of the account that is debited, inquired and transferred out. The 5th and 6th positions stand for the type of account that is credited and transferred in.

3rd and 5th DigitDescription
0Default
1Saving Account
2Cheque Account
3Credit Facility
4Universal Account number
5Investment Account
6-7Reserved For ISO Use
8Reserved For national Use
9Reserved For Private Use

Field 44 Additional Response Data

The field is composed of no more than 57-byte of data and 2- byte length value;

When compressed, it is composed of no more than 57 bytes of additional data in ASCII code and 1-byte length value in right justified BCD code.

The unique transaction reference number of EastPay Switch system and unique transaction reference number of Visa/Mastercard is returned in the transaction response message.

desc
The format is as follows: Data element lengthN2
Unique transaction reference number of EastPay SwitchAN9: Unique reference number. POS refund transaction (PR) need to be initiated with this reference number
Card Scheme IndicatorAN1: V-Visa , M-Mastercard, B-BancNet
Unique transaction reference number of card schemeAN15: Unique reference number from card scheme (left justified and the remaining part on the right shall be filled with space)
System Reference number of SP SystemAN32: Unique reference number from SP system (left justified and the remaining part on the right shall be filled with space)
Response Code of Original Transaction ( Only used in Transaction Result Inquiry Message)AN2: The response code of the original transaction

This field contains integrated circuit card (ICC)-related data that is transmitted from the ICC to the card issuer and from the card issuer to the ICC.

ICC Tags In request:

desc
9F26Application Cryptogram (AC)
9F27Cryptogram Information Data
9F10Issuer Application Data (IAD) (Mandatory if the corresponding data object [EMV tag 9F10] is provided by the card to the terminal)
9F37Unpredictable Number
9F36Application Transaction Counter
95Terminal Verification Result (TVR)
9ATransaction Date
9CTransaction Type
9F02Amount Authorized
5F2ATransaction Currency Code
82Application Interchange Profile
9F1ATerminal Country Code
9F34Cardholder Verification Method (CVM) Results
84Dedicated File Name
9F03Amount Other
5F34Application Primary Account Number (PAN) Sequence Number
9F0AApplication Selection Registered Proprietary Data
9F35Terminal Type
9F1EInterface Device (IFD) Serial Number
9F53Transaction Category Code
9F09Application Version Number
9F41Transaction Sequence Counter
9F6EThird Party Data
9F33Terminal Capabilities
9F5BIssuer Script Results

ICC data in Response:

desc
91Issuer Authentication Data (Provides data to be transmitted to the card for issuer authentication.)
71ssuer Script Template 1
72ssuer Script Template 2
9F36Application Transaction Counter

Field 60 Additional Information

The field is self-defined.

  • Data element length N3

  • 60.1 transaction type code N2

  • 60.2 Batch number N6

  • 60.3 network management information code N3

  • 60.4 Reading capability at the terminal N1

  • 60.5 IC card condition code based on UICS debit / credit standard N1

    60.4 Reading Capabilities at Terminal

    ValueDescription
    0Unknown
    2Magnetic stripe read capability
    5Chip-capable terminal. Contact IC card read capability. Optional to read magnetic stripe card. Cannot read contactless IC card.
    6Chip-capable terminal. Contactless IC card read capability. Optional to read contact IC card and magnetic stripe card. When the value of first two bits in field 22 is 07, 91, 96 or 98, the field value must be 6.

    60.5 IC Card Condition Code Based on UICS Debit / Credit Application

    ValueDescription
    0Not used or subsequent sub-field exists
    1Last one was not IC card transaction or was a successful IC card transaction
    2Last one was IC card transaction but failed

    Note: When the value of field 22 is 02 or 90 and value of 60.4 is 5 and value of 60.5 is 1 or 2, the scenario of fall back occurs. Fall Back could occur in the following situations:

    • a) The chip card is only able to read information on the magnetic stripe of the card for transaction when there is problem in the card chip, or the chip terminal does not work.

    • b) Although the card and chip terminal could interact, the terminal is unable to read application in the card. Therefore, the chip card can only read information on the magnetic stripe of the card for transaction.