# DataAegis Software Pvt Ltd — Middleware Terminal Specifications ## Version History | Version | Author | Date | Comments | |---------|--------|------------|-----------------------| | V1.0 | Kasi | 10-09-2025 | Initial draft | | V1.1 | Kasi | 21-11-2025 | Updated for certification | --- ## Table of Contents 1. [Boot up sequence / Logon](#1-boot-up-sequence--logon) 2. [Key Exchange — TMK](#2-key-exchange--tmk) 3. [Key Exchange — Working Key](#3-key-exchange--working-key) 4. [Logoff](#4-logoff) 5. [Pre-Authorization](#5-pre-authorization) 6. [Pre-Authorization Completion](#6-pre-authorization-completion) 7. [Sale](#7-sale) 8. [Refund](#8-refund) 9. [Void](#9-void) 10. [Reversal](#10-reversal) 11. [Field Definitions](#11-field-definitions) --- ## 1. Boot up sequence / Logon ### Request — MTI 800 | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 800 | M | 4 | n | 2 | | | | Bit map, primary | M | 64 | b | 8 | | | 1 | Bit map, extended | M | 64 | b | 8 | | | 3 | Processing Code | M | 6 | n | 3 | 910000 | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | 000001 | | 24 | NII | C | 3 | n | 1.5 | 782 | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | an | 8 | 12341234 | | 42 | Card acceptor ID (CAID) | M | 15 | an | 15 | 123451234512345 | | 63 | Reserved Data | M | 999 | ans | VAR | `{"DeviceSN": "98250623730002", "Model": "MF919 S10", "AppName": "Shukria", "Version": "3.7"}` | | 70 | Network management information code | M | 3 | N | 1.5 | 001 – logon | ### Response — MTI 810 | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 810 | M | 4 | n | 2 | | | | Bit map, primary | M | 64 | b | 8 | | | 1 | Bit map, extended | C | 64 | b | 8 | | | 3 | Processing Code | M | 6 | N | 3 | 910000 | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | 000001 | | 12 | Local transaction date and time | M | 12 | n | 6 | UTC format | | 19 | NII | C | 3 | n | 1.5 | 782 | | 39 | Response Code | M | 2 | an | 2 | 00 | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | 12341234 | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | 1234512345 | | 62 | Reserved Data | M | 999 | ans | VAR | List of Banks. Each Bank will have Bank Name, ID, BaseKey Slot and Key Exchange Flow ID. `{"Bank": [{"Id": 1, "Name": "YSP", "BaseKeySlot": 1, "KeyExchangeFlowI": 1}]}` | | 70 | Network management information code | M | 3 | N | 1.5 | 001 – logon | --- ## 2. Key Exchange — TMK ### Request — MTI 820 (Processing Code 921000) | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 820 | M | 4 | n | 2 | | | | Bit map, primary | M | 64 | b | 8 | | | 1 | Bit map, extended | C | 64 | b | 8 | | | 3 | Processing Code | M | 6 | N | 3 | 921000 | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | 000002 | | 24 | NII | C | 3 | n | 1.5 | 782 | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | 12341234 | | 42 | Card acceptor ID (CAID) | O | 15 | ans | 15 | 123451234512345 | | 61 | Reserved Data | M | 999 | ans | VAR | `{"BankId": 1, "BaseKeyKcv": "ABABAB"}` | | 63 | Reserved Data | M | 999 | ans | VAR | `{"DeviceSN": "98250623730002", "Model": "MF919 S10", "AppName": "Shukria", "Version": "3.7"}` | | 70 | Network management information code | M | 3 | N | 1.5 | 101 – Key change | ### Response — MTI 820 (Processing Code 921000) | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 820 | M | 4 | n | 2 | | | | Bit map, primary | M | 64 | b | 8 | | | 1 | Bit map, extended | C | 64 | b | 8 | | | 3 | Processing Code | M | 6 | N | 3 | 921000 | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | 000002 | | 24 | NII | C | 3 | n | 1.5 | 782 | | 39 | Response Code | M | 2 | an | 2 | 00 | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | 12341234 | | 42 | Card acceptor ID (CAID) | O | 15 | ans | 15 | 123451234512345 | | 62 | Reserved Data | M | 999 | ans | VAR | `{"Keys": [{"Key": "1234567812345678", "Kcv": "AABBCC", "Slot": 2, "KeyType": "TMK"}]}` | | 70 | Network management information code | M | 3 | N | 1.5 | 101 – Key change | --- ## 3. Key Exchange — Working Key ### Request — MTI 820 (Processing Code 922000) | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 820 | M | 4 | n | 2 | | | | Bit map, primary | M | 64 | b | 8 | | | 1 | Bit map, extended | C | 64 | b | 8 | | | 3 | Processing Code | M | 6 | N | 3 | 922000 | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | 000003 | | 24 | NII | C | 3 | n | 1.5 | 782 | | 41 | Card Acceptor Terminal Identification | M | 8 | ans | 8 | 12341234 | | 42 | Card acceptor ID | O | 15 | ans | 15 | 123451234512345 | | 61 | Reserved Data | M | 999 | ans | VAR | `{"BankId": 1, "TmkKeyKcv": "ABCDEF"}` | | 63 | Reserved Data | M | 999 | ans | VAR | `{"DeviceSN": "98250623730002", "Model": "MF919 S10", "AppName": "Shukria", "Version": "3.7"}` | | 70 | Network management information code | M | 3 | N | 1.5 | 101 – Key change | ### Response — MTI 830 | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 830 | M | 4 | n | 2 | | | | Bit map, primary | M | 64 | b | 8 | | | 1 | Bit map, extended | C | 64 | b | 8 | | | 3 | Processing Code | M | 6 | N | 3 | 921000 | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | | | 24 | NII | C | 3 | n | 1.5 | | | 39 | Response Code | M | 2 | an | 2 | | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | O | 15 | ans | 15 | Merchant number | | 62 | Reserved Data | M | 999 | ans | VAR | `{"Keys": [{"Key": "1234567812345678", "Kcv": "AABBCC", "Slot": 2, "KeyType": "PIN"}]}` | | 70 | Network management information code | M | 3 | N | 1.5 | 101 – Key change | --- ## 4. Logoff ### Request — MTI 820 (Processing Code 910000) | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 820 | M | 4 | N | 2 | | | | Bit map, primary | M | 64 | B | 8 | | | 1 | Bit map, extended | M | 64 | B | 8 | | | 3 | Processing Code | M | 6 | N | 3 | 910000 | | 7 | Transmission date and time | M | 10 | N | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | N | 3 | | | 12 | Local transaction date and time | M | 12 | N | 6 | | | 24 | NII | C | 3 | N | 1.5 | | | 63 | Reserved Data | M | 999 | ans | VAR | `{"DeviceSN": "98250623730002", "Model": "MF919 S10", "AppName": "Shukria", "Version": "3.7"}` | | 70 | Network management information code | M | 3 | N | 1.5 | 002 – logoff | ### Response — MTI 830 | DE (Field) | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-----------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 830 | M | 4 | n | 2 | | | | Bit map, primary | M | 64 | b | 8 | | | 1 | Bit map, extended | C | 64 | b | 8 | | | 3 | Processing Code | M | 6 | N | 3 | | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | | | 12 | Local transaction date and time | M | 12 | n | 6 | | | 24 | NII | C | 3 | n | 1.5 | | | 39 | Response Code | M | 2 | an | 2 | | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 70 | Network management information code | M | 3 | N | 1.5 | 002 – logoff | --- ## 5. Pre-Authorization ### Request — MTI 100 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 100 | M | 4 | n | 2 | | | | Bit map primary | M | 64 | b | 8 | | | 2 | Primary Account Number (PAN) | C | 19 | n | VAR | Only present for Manual PAN entry | | 3 | Processing code | M | 6 | n | 3 | 000000 | | 4 | Transaction amount | M | 12 | n | 6 | Requested amount (excludes fees) | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | | | 12 | Local transaction date and time | M | 12 | n | 6 | | | 14 | Expiry date | C | 4 | n | 2 | Only present for Manual PAN entry | | 22 | POS data | M | 3 | n | 1.5 | | | 23 | Card Seq Number | C | 3 | n | 1.5 | | | 24 | NII | M | 3 | n | 1.5 | | | 25 | POS Condition Code | M | 2 | n | 1 | | | 35 | Track 2 data | C | 37 | z | VAR | Only present for magnetic stripe read | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 46 | Amounts fee | O | 999 | ans | VAR | `{"TaxAmount": "12.00", "ConvenienceAmount": "1.00"}` | | 47 | Additional data – Private | C | 999 | ansp | VAR | `{"CCV": "123", "CCI": "1", "PinKsn": "98250516990001000002"}` | | 49 | Transaction currency code | O | 3 | n | 1.5 | 784 | | 52 | Personal Identification Number (PIN) data | C | 64 | b | 8 | Only required if PIN was entered | | 55 | ICC data | C | 999 | b | VAR | Present for ICC processing | | 57 | Cash Amount | C | 12 | n | 6 | | | 64 | Message Authentication Code | O | 64 | b | 8 | Present only if DE128 is not present | --- ## 6. Pre-Authorization Completion ### Response — MTI 1110 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 1110 | M | 4 | n | 2 | | | | Primary bit map | M | 64 | b | 8 | | | 1 | Extended bit map | C | 64 | b | 8 | Present if DE65–128 present | | 3 | Processing code | M | 6 | n | 3 | Same as request | | 4 | Transaction amount | M | 12 | n | 6 | Same as request | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | Same as request | | 12 | Local transaction date and time | M | 12 | n | 6 | Same as request | | 15 | Reconciliation date | M | 4 | n | 2 | MMDD | | 24 | NII | C | 3 | n | 1.5 | Same as request | | 37 | Retrieval reference number | C | 12 | anp | 12 | May be absent if transaction declined | | 38 | Approval Code | C | 6 | anp | 6 | Only present if transaction approved | | 39 | Response Code | M | 2 | an | 2 | | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 46 | Amounts fee | O | 204 | ans | VAR | | | 55 | ICC data | C | 999 | b | VAR | Present processing ICC | | 58 | Reserved National | O | 4999 | ans | VAR | Receipt Details (see [DE58](#de58--reserved-national--receipt-details)) | | 60 | Reserved, AdditionalData | C | 999 | ans | VAR | `{"schemeReferencedata": "12345678", "mastercardReferenceData": "123123", "token": "ABCD178993", "CCV": "M"}` | | 64 | Message Authentication Code | O | 64 | b | 8 | Present only if DE128 is not present | --- ## 7. Sale ### Request — MTI 220 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 220 | M | 4 | n | 2 | | | | Bit map primary | M | 64 | b | 8 | | | 2 | Primary Account Number (PAN) | C | 19 | n | VAR | Only present for Manual PAN entry | | 3 | Processing code | M | 6 | n | 3 | 000000 | | 4 | Transaction amount | M | 12 | n | 6 | Requested amount (excludes fees) | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | | | 12 | Local transaction date and time | M | 12 | n | 6 | | | 14 | Expiry date | C | 4 | n | 2 | Only present for Manual PAN entry | | 22 | POS data | M | 3 | n | 1.5 | | | 23 | Card Seq Number | C | 3 | n | 1.5 | | | 24 | NII | M | 3 | n | 1.5 | | | 25 | POS Condition Code | M | 2 | n | 1 | | | 35 | Track 2 data | C | 37 | z | VAR | Only present for magnetic stripe read | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 46 | Amounts fee | O | 204 | ans | VAR | `{"TaxAmount": "12.00", "ConvenienceAmount": "1.00"}` | | 47 | Additional data | C | 9999 | ansp | VAR | `{"CCV": "123", "CCI": "1", "Schemereference": "123456", "PinKsn": "98250516990001000002"}` | | 49 | Transaction currency code | O | 3 | n | 1.5 | | | 52 | Personal Identification Number (PIN) data | C | 64 | b | 8 | Only required if PIN was entered | | 55 | ICC data | C | 999 | b | VAR | Present for ICC processing | | 57 | Cash Amount | C | 12 | n | 6 | | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | ### Response — MTI 230 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 230 | M | 4 | n | 2 | | | | Primary bit map | M | 64 | b | 8 | | | 1 | Extended bit map | C | 64 | b | 8 | Present if DE65–128 present | | 3 | Processing code | M | 6 | n | 3 | Same as request | | 4 | Transaction amount | M | 12 | n | 6 | Same as request | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | Same as request | | 12 | Local transaction date and time | M | 12 | n | 6 | Same as request | | 15 | Reconciliation date | M | 4 | n | 2 | MMDD | | 24 | NII | C | 3 | n | 1.5 | Same as request | | 37 | Retrieval reference number | C | 12 | anp | 12 | May be absent if transaction declined | | 38 | Approval Code | C | 6 | anp | 6 | Only present if transaction approved | | 39 | Response Code | M | 2 | an | 2 | | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 55 | ICC data | C | 999 | b | VAR | Present processing ICC | | 58 | Reserved National | O | 4999 | ans | VAR | Receipt Details (see [DE58](#de58--reserved-national--receipt-details)) | | 60 | Reserved AdditionalData | C | 999 | ans | VAR | `{"schemeReferencedata": "12345678", "mastercardReferenceData": "123123", "token": "ABCD178993"}` | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | --- ## 8. Refund ### Request — MTI 200 (Processing Code 200000) | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 200 | M | 4 | n | 2 | | | | Bit map primary | M | 64 | b | 8 | | | 2 | Primary Account Number (PAN) | C | 19 | n | VAR | Only present for Manual PAN entry | | 3 | Processing code | M | 6 | n | 3 | 200000 | | 4 | Transaction amount | M | 12 | n | 6 | Requested amount (excludes fees) | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | | | 12 | Local transaction date and time | M | 12 | n | 6 | | | 14 | Expiry date | C | 4 | n | 2 | Only present for Manual PAN entry | | 22 | POS data | M | 3 | n | 1.5 | | | 23 | Card Seq Number | C | 3 | n | 1.5 | | | 24 | NII | M | 3 | n | 1.5 | | | 25 | POS Condition Code | M | 2 | n | 1 | | | 35 | Track 2 data | C | 37 | z | VAR | Only present for magnetic stripe read | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 46 | Amounts fee | O | 204 | ans | VAR | `{"TaxAmount": "12.00", "ConvenienceAmount": "1.00"}` | | 47 | Additional data – Private | C | 9999 | ansp | VAR | `{"CCV": "123", "CCI": "1", "Schemereference": "123456", "PinKsn": "98250516990001000002"}` | | 49 | Transaction currency code | O | 3 | n | 1.5 | 784 | | 52 | Personal Identification Number (PIN) data | C | 64 | b | 8 | Only required if PIN was entered | | 55 | ICC data | C | 999 | b | VAR | Present for ICC processing | | 57 | Cash Amount | C | 12 | n | 6 | | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | ### Response — MTI 210 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 210 | M | 4 | n | 2 | | | | Primary bit map | M | 64 | b | 8 | | | 1 | Extended bit map | C | 64 | b | 8 | Present if DE65–128 present | | 3 | Processing code | M | 6 | n | 3 | Same as request | | 4 | Transaction amount | M | 12 | n | 6 | Same as request | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | Same as request | | 12 | Local transaction date and time | M | 12 | n | 6 | Same as request | | 15 | Reconciliation date | M | 4 | n | 2 | MMDD | | 24 | NII | C | 3 | n | 1.5 | Same as request | | 37 | Retrieval reference number | C | 12 | anp | 12 | May be absent if transaction declined | | 38 | Approval Code | C | 6 | anp | 6 | Only present if transaction approved | | 39 | Response Code | M | 2 | an | 2 | | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 55 | ICC data | C | 999 | b | VAR | Present processing ICC | | 58 | Reserved National | O | 4999 | ans | VAR | Receipt Details (see [DE58](#de58--reserved-national--receipt-details)) | | 60 | Reserved AdditionalData | C | 999 | ans | VAR | `{"schemeReferencedata": "12345678", "mastercardReferenceData": "123123", "token": "ABCD178993"}` | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | --- ## 9. Void ### Request — MTI 200 (Processing Code 200000) | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 200 | M | 4 | n | 2 | | | | Bit map primary | M | 64 | b | 8 | | | 2 | Primary Account Number (PAN) | C | 19 | n | VAR | Only present for Manual PAN entry | | 3 | Processing code | M | 6 | n | 3 | 200000 | | 4 | Transaction amount | M | 12 | n | 6 | Requested amount (excludes fees) | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | | | 12 | Local transaction date and time | M | 12 | n | 6 | | | 14 | Expiry date | C | 4 | n | 2 | Only present for Manual PAN entry | | 22 | POS data | M | 3 | n | 1.5 | | | 23 | Card Seq Number | C | 3 | n | 1.5 | | | 24 | NII | M | 3 | n | 1.5 | | | 25 | POS Condition Code | M | 2 | n | 1 | | | 35 | Track 2 data | C | 37 | z | VAR | Only present for magnetic stripe read | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 46 | Amounts fee | O | 204 | ans | VAR | `{"TaxAmount": "12.00", "ConvenienceAmount": "1.00"}` | | 47 | Additional data | C | 9999 | ansp | VAR | `{"CCV": "123", "CCI": "1", "Schemereference": "123456", "PinKsn": "98250516990001000002"}` | | 49 | Transaction currency code | O | 3 | n | 1.5 | | | 52 | Personal Identification Number (PIN) data | C | 64 | b | 8 | Only required if PIN was entered | | 55 | ICC data | C | 999 | b | VAR | Present for ICC processing | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | ### Response — MTI 210 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 210 | M | 4 | n | 2 | | | | Primary bit map | M | 64 | b | 8 | | | 1 | Extended bit map | C | 64 | b | 8 | Present if DE65–128 present | | 3 | Processing code | M | 6 | n | 3 | Same as request | | 4 | Transaction amount | M | 12 | n | 6 | Same as request | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | Same as request | | 12 | Local transaction date and time | M | 12 | n | 6 | Same as request | | 15 | Reconciliation date | M | 4 | n | 2 | MMDD | | 24 | NII | C | 3 | n | 1.5 | Same as request | | 37 | Retrieval reference number | C | 12 | anp | 12 | May be absent if transaction declined | | 38 | Approval Code | C | 6 | anp | 6 | Only present if transaction approved | | 39 | Response Code | M | 2 | an | 2 | | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 55 | ICC data | C | 999 | b | VAR | Present processing ICC | | 58 | Reserved National | O | 4999 | ans | VAR | Receipt Details (see [DE58](#de58--reserved-national--receipt-details)) | | 60 | Reserved AdditionalData | C | 999 | ans | VAR | `{"schemeReferencedata": "12345678", "mastercardReferenceData": "123123", "token": "ABCD178993"}` | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | --- ## 10. Reversal ### Request — MTI 420 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 420 | M | 4 | n | 2 | | | | Bit map primary | M | 64 | b | 8 | | | 2 | Primary Account Number (PAN) | C | 19 | n | VAR | Only present for Manual PAN entry | | 3 | Processing code | M | 6 | n | 3 | 000000 | | 4 | Transaction amount | M | 12 | n | 6 | Requested amount (excludes fees) | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | | | 12 | Local transaction date and time | M | 12 | n | 6 | | | 14 | Expiry date | C | 4 | n | 2 | Only present for Manual PAN entry | | 22 | POS data | M | 3 | n | 1.5 | | | 23 | Card Seq Number | C | 3 | n | 1.5 | | | 24 | NII | M | 3 | n | 1.5 | | | 25 | POS Condition Code | M | 2 | n | 1 | | | 35 | Track 2 data | C | 37 | z | VAR | Only present for magnetic stripe read | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 46 | Amounts fee | O | 204 | ans | VAR | `{"TaxAmount": "12.00", "ConvenienceAmount": "1.00"}` | | 47 | Additional data | C | 9999 | ansp | VAR | `{"CCV": "123", "CCI": "1", "Schemereference": "123456", "PinKsn": "98250516990001000002"}` | | 49 | Transaction currency code | O | 3 | n | 1.5 | | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | ### Response — MTI 430 | Field | Name | M/C/O | Max Len | Data Type | Bytes | Comments | |-------|----------------------------------------------|-------|---------|-----------|-------|----------| | MTI | Message type 430 | M | 4 | n | 2 | | | | Primary bit map | M | 64 | b | 8 | | | 1 | Extended bit map | C | 64 | b | 8 | Present if DE65–128 present | | 3 | Processing code | M | 6 | n | 3 | Same as request | | 4 | Transaction amount | M | 12 | n | 6 | Same as request | | 7 | Transmission date and time | M | 10 | n | 5 | UTC format | | 11 | System Trace Audit Number (STAN) | M | 6 | n | 3 | Same as request | | 12 | Local transaction date and time | M | 12 | n | 6 | Same as request | | 15 | Reconciliation date | M | 4 | n | 2 | MMDD | | 24 | NII | C | 3 | n | 1.5 | Same as request | | 37 | Retrieval reference number | C | 12 | anp | 12 | May be absent if transaction declined | | 38 | Approval Code | C | 6 | anp | 6 | Only present if transaction approved | | 39 | Response Code | M | 2 | an | 2 | | | 41 | Card Acceptor Terminal Identification (CATID)| M | 8 | ans | 8 | | | 42 | Card acceptor ID (CAID) | M | 15 | ans | 15 | Merchant number | | 55 | ICC data | C | 999 | b | VAR | Present processing ICC | | 58 | Reserved National | O | 4999 | ans | VAR | Receipt Details (see [DE58](#de58--reserved-national--receipt-details)) | | 60 | Reserved AdditionalData | C | 999 | ans | VAR | `{"schemeReferencedata": "12345678", "mastercardReferenceData": "123123", "token": "ABCD178993"}` | | 64 | Message Authentication Code | C | 64 | b | 8 | Present only if DE128 is not present | --- ## 11. Field Definitions ### DE3 — Processing Code **Financial Transactions** | Position | Contents | Description | |----------|---------------------|-------------| | 1–2 | 00 | Goods/Services | | 1–2 | 01 | Cash Withdrawal | | 1–2 | 09 | Goods and services with cash disbursement | | 1–2 | 20 | Returns/Refunds | | 1–2 | 33 | Account Verification | | 3–4 | 10 | Savings Account | | 3–4 | 20 | Cheque Account | | 3–4 | 30 | Credit Account | | 5–6 | 00 | Filler | **Administration Transactions** | Position | Contents | Description | |----------|----------|-------------| | 1–2 | 91 | Logon/Logoff | | 1–2 | 92 | Key Exchange | | 3–4 | 00 | Logon/Logoff | | 3–4 | 10 | TMK Key | | 3–4 | 20 | Working Key | | 5–6 | 00 | Filler | --- ### DE4 — Amount, Transaction - Attributes: n 12 - Funds requested by the cardholder in the local currency of the acquirer. An amount of `000000000000` is used for Account Verification messages (MTI 0100, Processing Code 333000). ### DE7 — Transmission Date and Time - Attributes: n 10 - GMT. Format: `MMddHHmmss` ### DE11 — System Trace Audit Number (STAN) - Attributes: n 6 - Assigned by the message initiator. Remains unchanged for all messages throughout the life of the transaction. ### DE12 — Time, Local Transaction - Attributes: n 6 - Format: `HHmmss` ### DE13 — Date, Local Transaction - Attributes: n 4 - Format: `MMdd` ### DE14 — Date, Expiry - Attributes: n 4 - Format: `YYMM` - Optional on inbound Card Present messaging. Extracted from DE35 Track 2 where available; only required if DE35 is absent. ### DE15 — Date, Settlement - Attributes: n 4 - Format: `MMdd` ### DE22 — POS Entry Mode - Attributes: n 3 | Position | Value | Description | |----------|-------|-------------| | 1–2 | 01 | Manual Card Entry | | 1–2 | 02 | Magnetic stripe | | 1–2 | 05 | Integrated circuit card (EMV) | | 1–2 | 07 | Contactless EMV | | 1–2 | 80 | Fallback to mag. stripe when ICC read failed | | 3 | 1 | PIN entry capable | | 3 | 2 | Terminal not capable of PIN entry | | 3 | 8 | Terminal PIN capable but no PIN entered [RFU] | | 3 | 9 | PIN verified by terminal [RFU] | ### DE23 — Card Sequence Number - Attributes: n 3 ### DE24 — NII (Network Identification) - Attributes: n 3 ### DE25 — POS Condition Code - Attributes: n 2 | Code | Description | Code | Description | |------|-------------|------|-------------| | 00 | Normal presentment | 01 | Customer not present | | 02 | Unattended machine able to retain card | 03 | Merchant suspicious | | 04 | Electronic cash register interface | 05 | Customer present, card not present | | 06 | Pre-authorised request | 07 | Telephone device request | | 08 | Mail and/or telephone order | 09 | Security alert | | 10 | Customer identity verified | 11 | Suspected fraud | | 12 | Security reason | 13 | Representation of item | | 14 | Public utility terminal | 15 | Customer terminal (home terminal) | | 16 | Administration terminal | 17 | Returned item (Charge back) | | 18 | No cheque in envelope/all returned | 19 | Deposit out-of-balance/all returned | | 20 | Payment out-of-balance/all returned | 21 | Manual reversal | | 22 | Terminal error/counted | 23 | Terminal error/not counted | | 24 | Deposit out-of-balance/applied contents | 25 | Payment out-of-balance/applied contents | | 26 | Withdrawal had error/reversed | 27 | Unattended terminal unable to retain card | | 28–40 | Reserved for ISO use | 41 | Cash dispensing machine | | 42 | Electronic payment terminal | 43 | Card activated fuel dispenser | | 44 | Travel ticket vending machine | 45 | Vending machine, undefined | | 46–50 | Reserved for National use | 51–99 | Reserved for Private use | ### DE35 — Track-2 Data - Attributes: z ..37 - Required for card-present transactions only. ### DE37 — Retrieval Reference Number - Attributes: an 12 ### DE38 — Authorisation Identification Response - Attributes: an 6 ### DE39 — Response Code - Attributes: an 2 - Absence of DE39 is equivalent to value `00`. Approved Advices (0120/0220) and reversals (0420) will not contain DE39. | Code | Meaning | Action | |------|---------|--------| | 00 | Approval | Approved | | 01 | Declined – Call auth centre | Decline & call centre | | 02 | Referral | Call Auth Centre | | 03 | Invalid merchant number | Contact Merchant Business | | 04 | Declined – Pick up card | Treat as Decline | | 05 | Declined | Decline | | 06 | Error | Contact Acquirer | | 07 | Pick up card special condition | Treat as Decline | | 08 | Approve with signature | Approved | | 12 | Invalid transaction | Treat as Decline & Advise customer | | 13 | Invalid amount | Amount is invalid | | 14 | Invalid card number | Advise customer | | 15 | Invalid issuer | Advise customer | | 19 | Re-enter transaction | Resend transaction | | 21 | No action taken | Non-matching reversal. Do not resend | | 25 | Unable to locate record on file | Advise customer | | 30 | Format error | Advise your technical department | | 31 | Invalid card type | Not valid – contact ACQUIRER | | 33 | Expired card | Decline | | 34 | Suspected fraud | Treat as Decline | | 35 | Card acceptor contact acquirer | Contact ACQUIRER | | 36 | Restricted card | Treat as Decline | | 38 | Allowable PIN tries exceeded | Treat as decline | | 41 | Lost card | Advise ACQUIRER Auth Centre | | 43 | Stolen card | Advise ACQUIRER Auth Centre | | 51 | Insufficient funds | Decline | | 54 | Expired card | Decline | | 55 | Incorrect PIN | Treat as decline | | 57 | Invalid transaction for card | Advise ACQUIRER Auth Centre | | 58 | Invalid transaction for terminal | Advise customer | | 59 | Suspected fraud | Treat as Decline | | 60 | Card acceptor contact acquirer | Contact ACQUIRER | | 61 | Withdrawal limit exceeded | Advise customer | | 62 | Restricted card | Advise customer | | 63 | Security violation | Advise ACQUIRER Auth Centre | | 65 | Activity count limit exceeded | Advise Customer | | 75 | Allowable PIN tries exceeded | Treat as decline | | 82 | Volume parameters exceeded | Transaction exceeded – advise customer | | 91 | Host unavailable | Resend later | | 92 | Unable to route transaction | Resend later | | 94 | Duplicate transmission detected | Contact ACQUIRER | | 96 | System error | Contact ACQUIRER | | 98 | MAC error | Contact ACQUIRER | ### DE41 — Card Acceptor Terminal Identification (CATID) - Attributes: ans 8 - Unique code identifying the terminal at a card acceptor location. ### DE42 — Card Acceptor Identification Code (CAID) - Attributes: ans 15 - Merchant number. Supplied during boot-up. --- ### DE46 — Additional Amount (Amounts Fee) JSON sub-elements: | Tag | Description | Sample Value | |--------------------|------------------------------------|--------------| | TaxAmount | Tax Amount (with decimal) | `4.00` | | ConvenienceAmount | Convenience Amount (with decimal) | `3.00` | | CashBackAmount | Cash Amount (with decimal) | `2.00` | | TipAmount | Tip Amount (with decimal) | `1.00` | --- ### DE47 — Additional Data – Private JSON sub-elements: | Tag | Description | Sample Value | |------------|------------------------------------------------------|--------------| | CCV | Card Check Value | `123` | | CCI | Card Check Indicator | See enum below | | CCT | Card Check Type | See enum below | | ECM | E-Commerce and Mail Order/Telephone Order Indicator | See enum below | | SLI | Security Level Indicator | See enum below | | XID | Transaction ID (Visa Only) | Length 20/40 | | CAV | Cardholder Authentication Value | Length 20/28/40 | | CAR | Cardholder Authentication Results | See enum below | | OrigMti | Original Transaction Type | `0200` | | OrigDate | Original Date | `20250630` | | OrigTime | Original Time | `151617` | | OrigStan | Original STAN | `000121` | #### CCI — Card Check Indicator | Value | Description | |-------|-------------| | 0 | CCV value is deliberately bypassed or not provided by the card acceptor | | 1 | CCV value is present | | 2 | CCV value is on the card but illegible | | 9 | Cardholder states the card has no CCV imprint | #### CCT — Card Check Type | Value | Description | |-------|-------------| | 0 | Only the normal response code in DE39 should be returned | | 1 | The normal response code in DE39 and CCV tag shall be returned | #### CCV — Card Check Value Response | Value | Description | |-------|-------------| | M | CVV Matched | | N | CVV Not Matched | | P | CVV Not Processed | | S | Suspicious | | U | Issuer Not Registered | #### ECM — Electronic Commerce Indicator (1st Position) | Value | Description | |-------|-------------| | 0 | Unknown/Not Applicable | | 1 | Telephone order | | 2 | Mail order | | 3 | Internet order | #### ECM — Recurring Transaction Indicator (2nd Position) | Value | Description | |-------|-------------| | 0 | Unknown/Not Applicable | | 1 | Single transaction | | 2 | Recurring Transaction | | 3 | Installment payment | #### SLI — Security Level Indicator | Value | Description | |-------|-------------| | 00 | Not Applicable | | 04 | Mastercard Digital Secure Remote Payment transaction | | 05 | Secure Ecommerce Transaction certificate (VbV/SecureCode) | | 06 | Non-authenticated E-Commerce (VbV/SecureCode supported by merchant, not cardholder) | | 07 | Non-authenticated E-Commerce (channel encrypted transaction) | | 08 | Non-secure transaction in the clear over network | | 09 | Non-authenticated security transaction, card acceptor is SET Capable | #### CAR — Cardholder Authentication Result | Value | Description | |-------|-------------| | 0 | CAVV Authentication results invalid | | 1 | CAVV Failed validation – authentication | | 2 | CAVV Passed validation – authentication | | 3 | CAVV Passed validation – attempt | --- ### DE58 — Reserved National (Receipt Details) Attributes: ans ....4999 Receipt is delivered as a JSON structure. Example: ```json { "receipt": { "type": "Sale", "elements": [ { "logo-space": {} }, { "text": { "lineFeed": 1, "font-size": "3:3", "bold": true, "align": "CENTER", "value": "JPOS PAYMENT SYSTEM" } }, { "text": { "align": "LEFT", "value": "MID: 123456789012345" } }, { "text": { "align": "LEFT", "value": "TID: 12345671" } }, { "text": { "align": "LEFT", "value": "DATE/TIME: 2025-11-06 08:26:51" } }, { "text": { "lineFeed": 1, "align": "LEFT", "value": "TRACE NO: 000004" } }, { "text": { "font-size": "2:2", "bold": true, "align": "CENTER", "value": "SALE" } }, { "text": { "align": "CENTER", "value": "VISA" } }, { "text": { "lineFeed": 1, "font-size": "3:3", "bold": true, "align": "CENTER", "value": "Amount: $ 5.00" } }, { "text": { "align": "LEFT", "value": "REF NO: 082648000004" } }, { "text": { "lineFeed": 2, "align": "LEFT", "value": "RESPONSE: 00 - APPROVED" } }, { "text": { "lineFeed": 1, "align": "CENTER", "value": "Thank you for your business", "font": "BOLD" } }, { "paper-cut": {} } ] } } ``` --- ### DE60 — Additional Data | Tag | Description | Sample Value | |------------------------|--------------------------------------------------|----------------| | CCV | CCV Response (see CCV enum) | | | SchemeReferencedata | Scheme reference from card association (Visa/MC/Amex) | `123456` | | MastercardReferenceData| MasterCard specific reference data | `MC123456` | | Token | Token for follow-up transaction | | | BankStan | STAN sent to host | `000012` | | BankTxnRefNumber | Reference number transceived with host | `123456789012` | | BankBatchNumber | Batch number sent to host | `000025` | | BankTxnTime | Time sent to host (HHmmss) | `182535` | | BankTxnDate | Date sent to host (YYYYMMdd) | `20250824` | --- ### DE61 — Additional Data | Tag | Description | Sample Value | |-------------|------------------------------|--------------| | BaseKeyKcv | KCV of BaseKey | `ABCDEF` | | TmkKeyKcv | KCV of Terminal Master Key | `ABABAB` | | BankId | Bank ID in middleware | `1` | --- ### DE62 — Additional Data | Tag | Description | Sample Value | |----------------------|------------------------------------------|----------------------| | Bank[].BankId | Bank ID in middleware | `1` | | Bank[].BaseKeySlot | Slot to store the key | `1` | | Bank[].KeyExchangeFlowId | ID referring the key storing process | `1` | | Keys[].Slot | Slot to store the key | `2` | | Keys[].Key | PIN/MAC key encrypted by base key | `1234567812345670` | | Keys[].Kcv | KCV of the key | `123456` | | Keys[].KeyType | Key type: `PIN` / `MAC` / `LINE` | | --- ### DE63 — Additional Data (Device Information) | Tag | Description | Sample Value | |----------|--------------------------------|----------------------| | DeviceSN | Device Serial Number | `123-123-123` | | Model | Model Number | `MF919` | | Version | Software version of application| `1.0.0` | | AppName | Application name | `Shukria` | | BankId | Bank ID | `1` | Example: ```json { "DeviceSN": "98250623730002", "Model": "MF919 S10", "AppName": "Shukria", "Version": "3.7" } ``` --- ### DE70 — Network Management Information Code | Value | Description | |-------|---------------| | 001 | Logon | | 002 | Logoff | | 101 | Key Exchange | | 301 | Echo |