ISO 8583

ISO 8583 is an international standard for financial transaction card originated interchange messaging. It is the International Organization for Standardization standard for systems that exchange electronic transactions initiated by cardholders using payment cards.

ISO 8583 defines a message format and a communication flow so that different systems can exchange these transaction requests and responses. The vast majority of transactions made when a customer uses a card to make a payment in a store (EFTPOS) use ISO 8583 at some point in the communication chain, as do transactions made at ATMs. In particular, the Mastercard, Visa and Verve networks base their authorization communications on the ISO 8583 standard, as do many other institutions and networks.

Although ISO 8583 defines a common standard, it is not typically used directly by systems or networks. It defines many standard fields (data elements) which remain the same in all systems or networks, and leaves a few additional fields for passing network-specific details. These fields are used by each network to adapt the standard for its own use with custom fields and custom usages like Proximity Cards.


The ISO 8583 specification has three parts:

Message format

A card-based transaction typically travels from a transaction-acquiring device, such as a point-of-sale terminal (POS) or an automated teller machine (ATM), through a series of networks, to a card issuing system for authorization against the card holder's account. The transaction data contains information derived from the card (e.g., the card number or card holder details), the terminal (e.g., the terminal number, the merchant number), the transaction (e.g., the amount), together with other data which may be generated dynamically or added by intervening systems. Based on this information, the card issuing system will either authorize or decline the transaction and generate a response message which must be delivered back to the terminal within a predefined time period.

An ISO 8583 message is made of the following parts:

The placements of fields in different versions of the standard varies; for example, the currency elements of the 1987 and 1993 versions of the standard are no longer used in the 2003 version, which holds currency as a sub-element of any financial amount element. As of June 2017, however ISO 8583:2003 has yet to achieve wide acceptance. ISO 8583 messaging has no routing information, so is sometimes used with a TPDU header.

Cardholder-originated transactions include purchase, withdrawal, deposit, refund, reversal, balance inquiry, payments and inter-account transfers. ISO 8583 also defines system-to-system messages for secure key exchanges, reconciliation of totals, and other administrative purposes.

Message type indicator (MTI)

The message type indicator is a four-digit numeric field which indicates the overall function of the message. A message type indicator includes the ISO 8583 version, the Message Class, the Message Function and the Message Origin, as described below.

ISO 8583 version

The first digit of the MTI indicates the ISO 8583 version in which the message is encoded.

Code Meaning
0xxx ISO 8583:1987
1xxx ISO 8583:1993
2xxx ISO 8583:2003
3xxx Reserved by ISO
8xxx National use
9xxx Private use
Message class

Position two of the MTI specifies the overall purpose of the message.

Code Meaning Usage
x0xx Reserved by ISO
x1xx Authorization message Determine if funds are available, get an approval but do not post to account for reconciliation. Dual message system (DMS), awaits file exchange for posting to the account.
x2xx Financial messages Determine if funds are available, get an approval and post directly to the account. Single message system (SMS), no file exchange after this.
x3xx File actions message Used for hot-card, TMS and other exchanges
x4xx Reversal and charge-back messages Reversal (x4x0 or x4x1): Reverses the action of a previous authorization.
Charge-back (x4x2 or x4x3): Charges back a previously cleared financial message.
x5xx Reconciliation message Transmits settlement information message.
x6xx Administrative message Transmits administrative advice. Often used for failure messages (e.g., message reject or failure to apply).
x7xx Fee collection messages
x8xx Network management message Used for secure key exchange, logon, echo test and other network functions.
x9xx Reserved by ISO
Message function

Position three of the MTI specifies the messages function which defines how the message should flow within the system. Requests are end-to-end messages (e.g., from acquirer to issuer and back with time-outs and automatic reversals in place), while advices are point-to-point messages (e.g., from terminal to acquirer, from acquirer to network, from network to issuer, with transmission guaranteed over each link, but not necessarily immediately).

Code Meaning Notes
xx0x Request Request from acquirer to issuer to carry out an action; issuer may accept or reject
xx1x Request response Response to a request
xx2x Advice Advice that an action has taken place; receiver can only accept, not reject
xx3x Advice response Response to an advice
xx4x Notification Notification that an event has taken place; receiver can only accept, not reject
xx5x Notification acknowledgement Response to a notification
xx6x Instruction ISO 8583:2003
xx7x Instruction acknowledgement
xx8x Reserved for ISO use Some implementations (such as MasterCard) use for positive acknowledgment.
xx9x Some implementations (such as MasterCard) use for negative acknowledgement.
Message origin

Position four of the MTI defines the location of the message source within the payment chain.

Code Meaning
xxx0 Acquirer
xxx1 Acquirer repeat
xxx2 Issuer
xxx3 Issuer repeat
xxx4 Other
xxx60 Reserved by ISO

Given an MTI value of 0110, the following example lists what each position indicates:

Therefore, MTI 0110 is an authorization response message where actual transaction was originated by the acquirer.

Bearing each of the above four positions in mind, an MTI will completely specify what a message should do, and how it is to be transmitted around the network. Unfortunately, not all ISO 8583 implementations interpret the meaning of an MTI in the same way. However, a few MTIs are relatively standard:

MTI Meaning Usage
0100 Authorization Request Request from a point-of-sale terminal for authorization for a cardholder purchase
0110 Authorization Response Request response to a point-of-sale terminal for authorization for a cardholder purchase
0120 Authorization Advice When the point-of-sale device breaks down and you have to sign a voucher
0121 Authorization Advice Repeat If the advice times out
0130 Issuer Response to Authorization Advice Confirmation of receipt of authorization advice
0200 Acquirer Financial Request Request for funds, typically from an ATM or pinned point-of-sale device
0210 Issuer Response to Financial Request Issuer response to request for funds
0220 Acquirer Financial Advice e.g. Checkout at a hotel. Used to complete transaction initiated with authorization request
0221 Acquirer Financial Advice Repeat If the advice times out
0230 Issuer Response to Financial Advice Confirmation of receipt of financial advice
0320 Batch Upload File update/transfer advice
0330 Batch Upload Response File update/transfer advice response
0400 Acquirer Reversal Request Reverses a transaction
0420 Acquirer Reversal Advice
0430 Acquirer Reversal Advice Response
0510 Batch Settlement Response Card acceptor reconciliation request response
0800 Network Management Request Hypercom terminals initialize request. Echo test, logon, logoff etc.
0810 Network Management Response Hypercom terminals initialize response. Echo test, logon, logoff etc.
0820 Network Management Advice Key change


In ISO 8583, a bitmap is a field or subfield within a message, which indicates whether other data elements or data element subfields are present elsewhere in the message.

A field is considered to be present only when the corresponding bit in the bitmap is set. For example, a hex with value 0x82 (decimal 130) is binary 1000 0010, which means fields 1 and 7 are present in the message and fields 2, 3, 4, 5, 6 and 8 are not.

The bitmap may be represented as 8 bytes of binary data or as 16 hexadecimal characters (0–9, A–F) in the ASCII or EBCDIC character sets. A message will contain at least one bitmap, called the primary bitmap, which indicates data whether elements 1 to 64 are present. The presence of an optional secondary bitmap is also indicated by the first bit in the primary bitmap. If present, the secondary bitmap indicates whether data elements 65 to 128 are present. Similarly, a tertiary bitmap can be used to indicate the presence of fields 129 to 192, although these data elements are rarely used.


Given a bitmap value of 70 10 00 11 02 C0 48 04,

0x70 = 0111 0000 (counting from the left, the second, third and fourth bits are 1, indicating that fields 2, 3 and 4 are present) 0x10 = 0001 0000 (the first bit corresponds to field 9, so the fourth bit here indicates field 12 is present) 0x00 = 0000 0000 (no fields present) 0x11 = 0001 0001 (fields 28 and 32 are present) 0x02 = 0000 0010 (field 39 is present) 0xC0 = 1100 0000 (fields 41 and 42 are present) 0x48 = 0100 1000 (fields 50 and 53 are present) 0x04 = 0000 0100 (field 62 is present)
nth bit 0 10 20 30 40 50 60
1234567890 1234567890 1234567890 1234567890 1234567890 1234567890 1234
Bitmap 0111000000 0100000000 0000000100 0100000010 1100000001 0010000000 0100

Therefore, the given bitmap defines the following fields present in the message::
2, 3, 4, 12, 28, 32, 39, 41, 42, 50, 53, 62 .

Data elements

Data elements are the individual fields carrying the transaction information. There are up to 128 data elements specified in the original ISO 8583:1987 standard, and up to 192 data elements in later releases. The 1993 revision added new definitions, deleted some, while leaving the message format itself unchanged.

While each data element has a specified meaning and format, the standard also includes some general purpose data elements and system- or country-specific data elements which vary enormously in use and form from implementation to implementation.

Each data element is described in a standard format which defines the permitted content of the field (numeric, binary, etc.) and the field length (variable or fixed), according to the following table:

Abbreviation Meaning
a Alpha, including blanks
n Numeric values only
x+n Numeric (amount) values, where the first byte is either 'C' to indicate a positive or Credit value, or 'D' to indicate a negative or Debit value, followed by the numeric value (using n digits)
s Special characters only
an Alphanumeric
as Alpha & special characters only
ns Numeric and special characters only
ans Alphabetic, numeric and special characters.
anp Alphabetic, numeric and pad characters.
b Binary data
p Pad character, space
z Tracks 2 and 3 code set as defined in ISO/IEC 7813 and ISO/IEC 4909 respectively
. or .. or ... variable field length indicator, each . indicating a digit.
x or xx or xxx fixed length of field, or maximum length in the case of variable length fields.

Additionally, each field may be either fixed or variable length. If variable, the length of the field will be preceded by a length indicator.

Type Meaning
Fixed no field length used
LLVAR or (..xx) Where 0 < LL < 100, means two leading digits LL specify the field length of field VAR
LLLVAR or ( Where 0 < LLL < 1000, means three leading digits LLL specify the field length of field VAR
LL and LLL are hex or ASCII. A VAR field can be compressed or ASCII depending on the data element type. LL can be one or two bytes. For example, if compressed as one hex byte, '27x means there are 27 VAR bytes to follow. If ASCII, the two bytes '32x, '37x mean there are 27 bytes to follow. Three-digit field length LLL uses two bytes with a leading '0' nibble if compressed, or three bytes if ASCII. The format of a VAR data element depends on the data element type. If numeric it will be compressed, e.g. 87456 will be represented by three hex bytes '087456x. If ASCII then one byte for each digit or character is used, e.g. '38x, '37x, '34x, '35x, '36x.
Field Definition Meaning
n 6 Fixed length field of six digits
n.6 LVAR numeric field of up to 6 digits in length
a..11 LLVAR alpha field of up to 11 characters in length
b...999 LLLVAR binary field of up to 999 bytes in length
ISO-defined data elements (ver 1987)
Data field Type Usage
1 b 16 Bitmap
2 n..19 Primary account number (PAN)
3 n 6 Processing Code
4 n 12 Amount Transaction
5 n 12 Amount, settlement
6 n 12 Amount, cardholder billing
7 n 10 Transmission date & time
8 n 8 Amount, cardholder billing fee
9 n 8 Conversion rate, settlement
10 n 8 Conversion rate, cardholder billing
11 n 6 System trace audit number (STAN)
12 n 6 Local transaction time (hhmmss)
13 n 4 Local transaction date (MMDD)
14 n 4 Expiration date (YYMM)
15 n 4 Settlement date
16 n 4 Currency conversion date
17 n 4 Capture date
18 n 4 Merchant type, or merchant category code
19 n 3 Acquiring institution (country code)
20 n 3 PAN extended (country code)
21 n 3 Forwarding institution (country code)
22 n 3 Point of service entry mode
23 n 3 Application PAN sequence number
24 n 3 Function code (ISO 8583:1993), or network international identifier (NII)
25 n 2 Point of service condition code
26 n 2 Point of service capture code
27 n 1 Authorizing identification response length
28 x+n 8 Amount, transaction fee
29 x+n 8 Amount, settlement fee
30 x+n 8 Amount, transaction processing fee
31 x+n 8 Amount, settlement processing fee
32 n ..11 Acquiring institution identification code
33 n ..11 Forwarding institution identification code
34 ns ..28 Primary account number, extended
35 z ..37 Track 2 data
36 n ...104 Track 3 data
37 an 12 Retrieval reference number
38 an 6 Authorization identification response
39 an 2 Response code
40 an 3 Service restriction code
41 ans 8 Card acceptor terminal identification
42 ans 15 Card acceptor identification code
43 ans 40 Card acceptor name/location (1–25 card acceptor name or automated teller machine (ATM) location, 26-38 city name, 39-40 country code)
44 an ..25 Additional response data
45 an ..76 Track 1 data
46 an ...999 Additional data (ISO)
47 an ...999 Additional data (national)
48 an ...999 Additional data (private)
49 a or n 3 Currency code, transaction
50 a or n 3 Currency code, settlement
51 a or n 3 Currency code, cardholder billing
52 b 64 Personal identification number data
53 n 16 Security related control information
54 an ...120 Additional amounts
55 ans ...999 ICC data – EMV having multiple tags
56 ans ...999 Reserved (ISO)
57 ans ...999 Reserved (national)
58 ans ...999
59 ans ...999
60 ans ...999 Reserved (national) (e.g. settlement request: batch number, advice transactions: original transaction amount, batch upload: original MTI plus original RRN plus original STAN, etc.)
61 ans ...999 Reserved (private) (e.g. CVV2/service code   transactions)
62 ans ...999 Reserved (private) (e.g. transactions: invoice number, key exchange transactions: TPK key, etc.)
63 ans ...999 Reserved (private)
64 b 64 Message authentication code (MAC)
65 b 1 Extended bitmap indicator
66 n 1 Settlement code
67 n 2 Extended payment code
68 n 3 Receiving institution country code
69 n 3 Settlement institution country code
70 n 3 Network management information code
71 n 4 Message number
72 n 4 Last message's number
73 n 6 Action date (YYMMDD)
74 n 10 Number of credits
75 n 10 Credits, reversal number
76 n 10 Number of debits
77 n 10 Debits, reversal number
78 n 10 Transfer number
79 n 10 Transfer, reversal number
80 n 10 Number of inquiries
81 n 10 Number of authorizations
82 n 12 Credits, processing fee amount
83 n 12 Credits, transaction fee amount
84 n 12 Debits, processing fee amount
85 n 12 Debits, transaction fee amount
86 n 16 Total amount of credits
87 n 16 Credits, reversal amount
88 n 16 Total amount of debits
89 n 16 Debits, reversal amount
90 n 42 Original data elements
91 an 1 File update code
92 an 2 File security code
93 an 5 Response indicator
94 an 7 Service indicator
95 an 42 Replacement amounts
96 b 64 Message security code
97 x+n 16 Net settlement amount
98 ans 25 Payee
99 n ..11 Settlement institution identification code
100 n ..11 Receiving institution identification code
101 ans ..17 File name
102 ans ..28 Account identification 1
103 ans ..28 Account identification 2
104 ans ...100 Transaction description
105 ans ...999 Reserved for ISO use
106 ans ...999
107 ans ...999
108 ans ...999
109 ans ...999
110 ans ...999
111 ans ...999
112 ans ...999 Reserved for national use
113 ans ...999
114 ans ...999
115 ans ...999
116 ans ...999
117 ans ...999
118 ans ...999
119 ans ...999
120 ans ...999 Reserved for private use
121 ans ...999
122 ans ...999
123 ans ...999
124 ans ...999
125 ans ...999
126 ans ...999
127 ans ...999
128 b 64 Message authentication code
Processing code

The following is a table specifying the type of messages and processing code for each transaction type.

Transaction Message type Processing code
Authorization 0100 00 a0 0x
Balance inquiry 31 a0 0x
Sale 0200 00 a0 0x
Cash 01 a0 0x
Credit Voucher 20 a0 0x
Void 02 a0 0x
Mobile topup 57 a0 0x
Response code Ver 1987

The following table shows response codes and their meanings for ISO 8583-1987, later versions uses 3 and 4 digit response codes.

Code Description
00 Approved or completed successfully
01 Refer to card issuer
02 Refer to card issuer's special conditions
03 Invalid merchant
04 Pick-up
05 Do not honor
06 Error
07 Pick-up card, special condition
08 Honour with identification
09 Request in progress
10 Approved for partial amount
11 Approved (VIP)
12 Invalid transaction
13 Invalid amount
14 Invalid card number (no such number)
15 No such issuer
16 Approved, update track 3
17 Customer cancellation
18 Customer dispute
19 Re-enter transaction
20 Invalid response
21 No action taken
22 Suspected malfunction
23 Unacceptable transaction fee
24 File update not supported by receiver
25 Unable to locate record on file
26 Duplicate file update record, old record replaced
27 File update field edit error
28 File update file locked out
29 File update not successful, contact acquirer
30 Format error
31 Bank not supported by switch
32 Completed partially
33 Expired card
34 Suspected fraud
35 Card acceptor contact acquirer
36 Restricted card
37 Card acceptor call acquirer security
38 Allowable PIN tries exceeded
39 No credit account
40 Requested function not supported
41 Lost card
42 No universal account
43 Stolen card, pick-up
44 No investment account
45-50 Reserved for ISO use
51 Not sufficient funds
52 No checking account
53 No savings account
54 Expired card
55 Incorrect personal identification number
56 No card record
57 Transaction not permitted to cardholder
58 Transaction not permitted to terminal
59 Suspected fraud
60 Card acceptor contact acquirer
61 Exceeds withdrawal amount limit
62 Restricted card
63 Security violation
64 Original amount incorrect
65 Exceeds withdrawal frequency limit
66 Card acceptor call acquirer's security department
67 Hard capture (requires that card be picked up at ATM)
68 Response received too late
69-74 Reserved for ISO use
75 Allowable number of PIN tries exceeded
78 Card not activated
80 Visa transactions: credit issuer unavailable
82 Invalid card expiration date
82 CVN Mismatch: Negative CAM, dCVV, iCVV, or CVV results
85 Success: address verification
76-89 Reserved for private use
76-89 Reserved for private use
76-89 Reserved for private use
76-89 Reserved for private use
90 Cutoff is in process

(switch ending a day's business and starting the next. Transaction can be sent again in a few minutes)

91 Issuer or switch is inoperative
92 Financial institution or intermediate network facility cannot be found for routing
93 Transaction cannot be completed. Violation of law
94 Duplicate transmission
95 Reconcile error
96 System malfunction
97-99 Reserved for national use
Zero A-9Z Reserved for ISO use
A Zero-MZ Reserved for national use
N Zero-ZZ Reserved for private use
Ver 1993
Code Description
000‑099 Used in 1110, 1120, 1121, 1140 and 1210, 1220, 1221 and 1240 messages to indicate that the transaction has been approved.
000 approved
001 honour with identification
002 approved for partial amount
003 approved (VIP)
004 approved, update track 3
005 approved, account type specified by card issuer
006 approved for partial amount, account type specified by card issuer
007 approved, update ICC
008‑059 reserved for ISO use
060‑079 reserved for national use
080‑099 reserved for private use
100‑199 Used in 1110, 1120, 1121, 1140 and 1210, 1220, 1221 and 1240 messages to indicate that the transaction has been processed for authorization by or on behalf of the card issuer and has been denied (not requiring a card pick-up)
100 do not honour
101 expired card
102 suspected fraud
103 card acceptor contact acquirer
104 restricted card
105 card acceptor call acquirer's security department
106 allowable PIN tries exceeded
107 refer to card issuer
108 refer to card issuer's special conditions
109 invalid merchant
110 invalid amount
111 invalid card number
112 PIN data required
113 unacceptable fee
114 no account of type requested
115 requested function not supported
116 not sufficient funds
117 incorrect PIN
118 no card record
119 transaction not permitted to cardholder
120 transaction not permitted to terminal
121 exceeds withdrawal amount limit
122 security violation
123 exceeds withdrawal frequency limit
124 violation of law
125 card not effective
126 invalid PIN block
127 PIN length error
128 PIN key sync error
129 suspected counterfeit card
130‑159 reserved for ISO use
160‑179 reserved for national use
180‑199 reserved for private use
200‑299 Used in 1110, 1120, 1121, 1140 and 1210, 1220, 1221 and 1240 messages to indicate that the transaction has been processed for authorization by or on behalf of the card issuer and has been denied requiring the card to be picked up.
200 do not honour
201 expired card
202 suspected fraud
203 card acceptor contact acquirer
204 restricted card
205 card acceptor call acquirer's security department
206 allowable PIN tries exceeded
207 special conditions
208 lost card
209 stolen card
210 suspected counterfeit card
211‑259 reserved for ISO use
260‑279 reserved for national use
280‑299 reserved for private use
300‑399 Used in 1314, 1324, 1325 and 1344 messages to indicate the result of the file action.
300 successful
301 not supported by receiver
302 unable to locate record on file
303 duplicate record, old record replaced
304 field edit error
305 file locked out
306 not successful
307 format error
308 duplicate, new record rejected
309 unknown file
310‑359 reserved for ISO use
360‑379 reserved for national use
380‑399 reserved for private use
400‑499 Used in 1430, 1432, 1440 and 1442 messages to indicate the result of the reversal or chargeback.
400 accepted
401‑459 reserved for ISO use
460‑479 reserved for national use
480‑499 reserved for private use
500‑599 Used in 1510, 1512, 1530 and 1532 messages to indicate the result of a reconciliation.
500 reconciled, in balance
501 reconciled, out of balance
502 amount not reconciled, totals provided
503 totals not available
504 not reconciled, totals provided
505‑559 reserved for ISO use
560‑579 reserved for national use
580‑599 reserved for private use
600‑699 Used in 1614, 1624, 1625, and 1644 messages
600 accepted
601 not able to trace back original transaction
602 invalid reference number
603 reference number/PAN incompatible
604 POS photograph is not available
605 item supplied
606 request cannot be fulfilled - required/requested documentation is not available
607‑659 reserved for ISO use
660‑679 reserved for national use
680‑699 reserved for private use
700‑799 Used in 1720, 1721, 1740, 1722, 1723 and 1742 messages.
700 accepted
701‑749 reserved for ISO use
750‑769 reserved for national use
770‑799 reserved for private use
800‑899 Used in 1814, 1824, 1825 and 1844 messages.
800 accepted
801‑859 reserved for ISO use
860‑879 reserved for national use
880‑899 reserved for private use
900 Advice acknowledged, no financial liability accepted
901 Advice acknowledged, financial liability accepted
902‑949 Used in request response and advice response messages to indicate transaction could not be processed.
902 invalid transaction
903 re-enter transaction
904 format error
905 acquirer not supported by switch
906 cutover in process
907 card issuer or switch inoperative
908 transaction destination cannot be found for routing
909 system malfunction
910 card issuer signed off
911 card issuer timed out
912 card issuer unavailable
913 duplicate transmission
914 not able to trace back to original transaction
915 reconciliation cutover or checkpoint error
916 MAC incorrect
917 MAC key sync error
918 No communication keys available for use
919 encryption key sync error
920 security software/hardware error - try again
921 security software/hardware error - no action
922 message number out of sequence
923 request in progress
924‑929 reserved for ISO use
930‑939 reserved for national use
940‑949 reserved for private use
950‑999 Used in advice response messages (1x3x) to indicate the reason for rejection of the transfer of financial liability.
950 violation of business arrangement
951‑983 reserved for ISO use
984‑991 reserved for national use
992‑999 reserved for private use
Point of service entry modes (Field 22)

The point of service (POS) mode field state what conditions the card has been read under, which type of authentication has been made, and depending on the version of the specification, what the capabilities of the terminal are.

Ver 2003

For the 2003 specification the POS code consists of 16 binary characters split into four parts:

  1. Card reading method used
  2. Cardholder verification method used
  3. POS environment
  4. Security characteristics
Ver 1993

For the 1993 version it is a 12-character field consisting of 5 parts:

  1. The terminal input capabilities (1st to 3rd character)
    • Card Data Input Capability
    • Cardholder Authentication Capability
    • Card capture capability
  2. The operating environment (4th to 6th character)
    • Operating Environment / Terminal placement
    • Cardholder Present indicator
    • Card Present indicator
  3. Authentication and verification done (7th to 9th character)
    • Card Data Input Method
    • Cardholder Verification Method
    • Cardholder Authentication Entity
  4. The terminal's output capabilities (10th and 11th character)
    • Card data output capability - can the terminal write to the magnetic stripe, or to the chip
    • Terminal output capability - can the terminal display or print something to the cardholder.
  5. PIN capture capability (12th character) indicates if the terminal can capture a pin code, and if so, the maximum length it can capture.
Ver 1987

The point of service entry mode value consists of two parts:

  1. PAN entry mode, the first two digits
  2. PIN entry capability, the third digit

The following table shows PAN entry modes and their meanings.

PAN Entry Mode Meaning
00 Unknown
01 Manual
02 Magnetic stripe
03 Bar code
04 OCR
05 Integrated circuit card (ICC). CVV can be checked.
07 Auto entry via contactless EMV.
10 Merchant has Cardholder Credentials on File.
80 Fallback from integrated circuit card (ICC) to magnetic stripe
90 Magnetic stripe as read from track 2. CVV can be checked.
91 Auto entry via contactless magnetic stripe
95 Integrated circuit card (ICC). CVV may not be checked.
99 Same as original transaction.

The following table shows PIN entry capabilities and their meanings.

PIN Entry Capability Meaning
0 Unknown
1 Terminal can accept PINs
2 Terminal cannot accept PINs

See also


  1. ^ ISO 8583-1:2003 Financial transaction card originated messages -- Interchange message specifications -- Part 1: Messages, data elements and code values
  2. ^ ISO8583-2:1998 Financial transaction card originated messages -- Interchange message specifications -- Part 2: Application and registration procedures for Institution Identification Codes (IIC)
  3. ^ ISO8583-3:2003 Financial transaction card originated messages -- Interchange message specifications -- Part 3: Maintenance procedures for messages, data elements and code values
  4. ^ MasterCard Customer Interface Specification, 25 July 2017
  5. ^ MasterCard Customer Interface Specification, 25 July 2017
  6. ^ "Iso 8583:1993".


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