# Narada Financial Switch — POS Terminal Interface Specification

**Version:** 4.0  
**Prepared By:** Yalamanchili Software Exports Limited, Chennai, India  
**Document Date:** September 2025

---

## Version History

| No. | Section Changed | Amended By    | Amended Date | Description                                                              | Version |
|-----|----------------|---------------|--------------|--------------------------------------------------------------------------|---------|
| 1   | Draft          | MuthuKumar R. |              | Initial draft                                                            | 1.0     |
| 2   | 2, 3 & 4       | MuthuKumar R. | 06-Feb-12    | Updated data field description                                           | 1.1     |
| 3   | 2 & 4          | Muthukumar R. | 13-APR-12    | Included DE:07 and for network message                                   | 1.2     |
| 4   | 2              | Muthukumar R. | 18-APR-12    | Included settlement closure process code and reversal for completion     | 1.2.1   |
| 5   | 2 & 3          | Muthukumar R. | 01-Jun-12    | Explained EMV data fields; DE:90 optional for Pre-Auth reversal          | 1.2.2   |
| 6   | 2 & 3          | Muthukumar R. | 11-Jun-12    | Update Track2 details; optional field of Track2 in reversal              | 1.2.3   |
| 7   | 2 & 3          | Arockia Raj J | 12-Feb-13    | Update new functionalities                                               | 2.0     |
| 8   | 2              | Seshadri K J  | 21-Jun-2017  | Rewards points update / reversal                                         | 2.1     |
| 9   | 2              | Seshadri K J  | 24-Jul-2017  | New POS entry mode for NFC transactions                                  | 2.3     |
| 10  | 2              | Seshadri K J  | 18-May-2018  | Values retention in 0320 messages; new TC Upload transaction             | 2.4     |
| 11  | 2              | Muthu Kumar   | 19-Jun-2018  | Processing Code section; DE:125 definition                               | 2.5     |
| 12  | 2              | Seshadri K J  | 29-May-2019  | CVV2 specific value in DE:048                                            | 2.6     |
| 13  | 6              | Seshadri K J  | 12-Jun-2019  | Response code 82 description update                                      | 2.7     |
| 14  | 2.4, 6         | Seshadri K J  | 05-Jul-2019  | Response code 94 for 0330; DE:025, DE:022, DE:023, DE:037, DE:038 notes  | 2.8     |
| 15  | 6              | Seshadri K J  | 06-Jul-2019  | DE:012, DE:013 retain original transaction value                         | 2.9     |
| 16  | 6              | Seshadri K J  | 13-Aug-2019  | DE:039 additional info for BATCH UPLOAD 0320                             | 3.0     |
| 17  | 7              | Seshadri K J  | 07-Dec-2021  | DE:039 for 0500 messages                                                 | 3.1     |
| 18  | 8              | Seshadri K J  | 24-Apr-2024  | Review of specs                                                          | 3.2     |
| 19  | All            | Archana M     | 22-Sep-2025  | DUKPT, DE:022, DE:048, data dumps; field level changes                   | 4.0     |

---

## Table of Contents

1. [Introduction](#1-introduction)
2. [Message Format](#2-message-format)
3. [Transaction Types & Fields](#3-transaction-types--fields)
4. [Data Dumps](#4-data-dumps)
5. [Key Management](#5-key-management)
6. [Host Response Code Matrix](#6-host-response-code-matrix)
7. [Contact Details](#7-contact-details)

---

## 1. Introduction

### 1.1 Structure of the Document

This document defines the interface between POS terminals and the Narada Financial Switch (YSE) for processing payment transactions. Transactions are routed to the authorization host online using ISO 8583 (1987 version).

### 1.2 Abbreviations

| Abbreviation | Description |
|---|---|
| LMK   | Local Master Key |
| TAK   | Terminal Authentication Key |
| TPK   | Terminal PIN Key |
| MAC   | Message Authentication Code |
| PIN   | Personal Identification Number |
| ECB   | Electronic Code Book |
| WAN   | Wide Area Network |
| TPDU  | Transport Protocol Data Unit |
| POS   | Point of Sale |
| BCD   | Binary Coded Decimal |
| ASCII | American Standard Code for Information Interchange |
| MTI   | Message Type Indicator |

### 1.3 Definitions

| Term     | Description |
|----------|-------------|
| YSE      | Transaction Processing Switch provided by Yalamanchili Software Exports |
| TCP/IP   | Internet Protocol Suite used for routing transactions |
| HOST     | Transaction server that receives and processes financial transactions from the Terminal |
| ISO 8583 | Standard for Financial Transaction Card Originated Messages |
| Bitmap   | Field within a message indicating which data elements are present |

---

## 2. Message Format

Message structure:

```
| TCP (2 bytes) | TPDU (5 bytes, optional) | MTI (2 bytes) | Bitmap (8 bytes) | Data Elements (0–230 bytes) |
```

Total message: 10–240 bytes (excluding TCP header).

### 2.1 Header

#### TCP
- 2 bytes, binary format
- Contains the length of the message excluding the TCP header
- Example: 500 bytes → `0x01 0xF4`

#### TPDU (Transport Protocol Data Unit)
- 5 bytes; only sent when POS terminal connects directly via PSTN (not applicable for TLS/TCP-IP/WiFi/GPRS)
- **Request TPDU:**
  - TPDU ID: `0x60` (Transactions), `0x68` (NMS/TNMS)
  - Destination Address: Network international identifier
  - Originator Address: Terminal/process identifier — e.g., `60 00 01 00 00`
- **Response TPDU:**
  - TPDU ID: Same as request
  - Destination Address: Same as Originator Address in request
  - Originator Address: Same as Destination Address in request — e.g., `60 01 00 00 00`

### 2.2 Application Area Data

Messages follow ISO 8583 (1987). Each message has: MTI + Bitmap + Data Elements.

#### Message Type Identifier (MTI)

| Digits 1–2 | Message Class          | Digits 3–4 | Transmission Mode           |
|-----------|------------------------|------------|-----------------------------|
| 01        | Authorization          | 00         | Interactive Request         |
| 02        | Financial              | 10         | Interactive Response        |
| 03        | File Update/Transfer   | 20         | Non-Interactive Advice      |
| 04        | Reversal               | 30         | Non-Interactive Advice Response |
| 05        | Reconciliation Control |            |                             |
| 06        | Administrative         |            |                             |
| 08        | N/W Management         |            |                             |

#### Supported Message Types

| MTI  | Application |
|------|-------------|
| 0100 | Authorization Request |
| 0110 | Authorization Response |
| 0200 | Financial Transaction Request |
| 0210 | Financial Transaction Request Response |
| 0220 | Financial Transaction Advice |
| 0230 | Financial Transaction Advice Response |
| 0320 | File Update/Transfer Advice Request (Batch Upload) |
| 0330 | File Update/Transfer Advice Response |
| 0400 | Reversal Request |
| 0410 | Reversal Request Response |
| 0500 | Card Acceptor Reconciliation Request |
| 0510 | Card Acceptor Reconciliation Request Response |
| 0800 | Network Management Request |
| 0810 | Network Management Request Response |

#### Bitmap
- 64 bits; bit=1 means data element is present, bit=0 means absent
- Bit 1 set to 1 indicates presence of secondary bitmap (adds 64 more bits)

#### Message Type & Processing Code

| Transaction | MTI  | Processing Code |
|---|---|---|
| POS Enquiry / Balance | 0100 | 30 00 00 |
| Pre-Authorization | 0100 | 33 a0 00 |
| Mini Statement | 0100 | 24 a0 00 |
| Cheque Book Request | 0100 | 11 a0 00 |
| Rewards (Loyalty) Pts Update | 0100 | 39 10 00 |
| Rewards (Loyalty) Pts Update (Reversal) | 0100 | 39 20 00 |
| Billpayment Reference Inquiry | 0100 | 34 00 00 |
| Sale | 0200 | 00 a0 0x |
| Purchase | 0200 | 00 a0 0x |
| Refund | 0200 | 20 a0 0x |
| Rewards Sale | 0200 | 10 a0 0x |
| Card Activation | 0200 | 72 10 00 |
| Card Load | 0200 | 28 10 00 |
| Top-up | 0200 | 19 00 00 |
| Cash Advance | 0200 | 01 00 00 |
| Cash Deposit | 0200 | 21 00 00 |
| Bill Payment | 0200 | 27 00 00 |
| Prepaid Refunds | 0200 | 29 00 00 |
| Offline Sale | 0200 | 00 a0 0x |
| Sales Completion | 0200 | 00 a0 0x |
| Adjust / Void Sale | 0200 | 02 a0 0x |
| Adjust / Void Refund | 0220 | 22 a0 0x |
| Void Rewards | 0220 | 40 a0 0x |
| Void Load/Reload | 0220 | 02 00 00 |
| Void Pre-Authorization | 0220 | 51 00 00 |
| Void Bill-Payment | 0220 | 52 00 00 |
| Void Prepaid Refunds | 0220 | 55 00 00 |
| Upload Transaction Certificate | 0220 | 88 00 00 |
| Reversal | 0400 | Same as original transaction |
| PIN Create | 0300 | 30 00 00 |
| PIN Change | 0300 | 94 00 00 |
| Settlement Request | 0500 | 92 00 00 |
| Settlement Closure (after batch upload) | 0500 | 96 00 00 |
| Batch Upload | 0320 | Same as original transaction |
| Key Exchange — TMK | 0800 | 991380 |
| Key Exchange — TMK (alt) | 0800 | 991280 |
| Key Exchange — Auto PIN Block | 0800 | 990280 |
| Key Exchange — Manual PIN Block | 0800 | 990380 |
| Key Exchange — Auto MAC Key | 0800 | 990480 |
| Key Exchange — Manual MAC Key | 0800 | 990580 |

> **Note:** `x` in the processing code = account type digit (3rd position):
>
> | Code | Account Selected |
> |------|-----------------|
> | 0    | Default Account |
> | 1    | Savings Account |
> | 2    | Checking Account |
> | 3    | Credit Facility |
> | 4    | Universal Account |

#### Message Format Conventions

| Format | Description |
|--------|-------------|
| BCD    | Binary Coded Decimal |
| ASCII  | Character field |
| Binary | Raw binary |
| LLVAR  | Variable length, 2-character length prefix (BCD compressed) |
| LLLVAR | Variable length, 3-character length prefix (2 bytes BCD, right-justified) |
| Fn     | Fixed size of n digits |

**Example — LLVAR:** Length 37 → `0x37`  
**Example — LLLVAR:** Length 003 → `0x00 0x03`  
**Example — CVV2 value 123 in DE:048:** `0x00 0x03 0x31 0x32 0x33`

### 2.3 Data Element Summary

| Bit | Data Element Name                     | Format        | Attribute    |
|-----|---------------------------------------|---------------|--------------|
| —   | Message Type                          | BCD           | F4           |
| —   | Bit Map                               | Binary        | F8           |
| 1   | Bit Map Extended                      | Binary        | F8           |
| 2   | PAN                                   | BCD           | LLVAR(1)     |
| 3   | Processing Code                       | BCD           | F6           |
| 4   | Transaction Amount                    | BCD           | F12          |
| 7   | Transaction Date and Time             | BCD           | F10          |
| 11  | Trace Audit Number                    | BCD           | F6           |
| 12  | Local Time                            | BCD           | F6           |
| 13  | Local Date                            | BCD           | F4           |
| 14  | Expiry Date                           | BCD           | F4           |
| 19  | Acquiring Institution Country Code    | BCD           | F3           |
| 22  | POS Entry Mode                        | BCD           | F3           |
| 23  | PAN Sequence Number                   | BCD           | F3           |
| 24  | Network International Identifier      | BCD           | F3           |
| 25  | POS Condition Code                    | BCD           | F2           |
| 35  | Track 2                               | BCD           | LLVAR        |
| 37  | Retrieval Reference Number            | ASCII         | F12          |
| 38  | Auth ID Response                      | ASCII         | F6           |
| 39  | Response Code                         | ASCII         | F2           |
| 41  | Card Acceptor Terminal ID             | ASCII         | F8           |
| 42  | Card Acquirer ID                      | ASCII         | F15          |
| 43  | Card Acceptor Name & Location         | ASCII         | F40          |
| 47  | Additional Data-1                     | ASCII         | LLLVAR(2)    |
| 48  | Additional Data-2                     | ASCII         | LLLVAR(2)    |
| 49  | Transaction Currency Code             | BCD           | F3           |
| 52  | PIN Block Data                        | Binary        | F16          |
| 53  | Security Related Control Information  | ASCII         | LLVAR        |
| 54  | Additional Amount                     | ASCII         | LLLVAR(2)    |
| 55  | EMV/Chip Data                         | Binary        | LLLVAR       |
| 60  | Advice Reason Code                    | ASCII         | LLLVAR       |
| 61  | Point-of-Service Data                 | ASCII         | LLLVAR       |
| 62  | Information Data                      | ASCII         | LLLVAR       |
| 63  | Private Data                          | ASCII         | LLLVAR       |
| 64  | Private Data (MAC)                    | BCD           | F16          |
| 70  | Network Management Information Code   | BCD           | F3           |
| 90  | Original Data Elements                | BCD           | F42          |
| 125 | Private Data (Key Exchange)           | BINARY or ASCII | LLLVAR     |

---

## 2.4 Data Element Definitions

### DE 2 — Primary Account Number (PAN)
- Card number (12–19 digits). First 6 digits = BIN (Bank Identification Number).
- **Used in:** 0100/0110, 0200/0210, 0220/0230, 0400/0410, 0320/0330

### DE 3 — Processing Code
- Format: `AA BB CC` where AA = transaction type, BB = from account, CC = to account.
- For Key Exchange messages: value must be `99XX80`.
- **Used in:** 0100, 0200, 0220, 0400, 0500, 0800, 0320

### DE 4 — Transaction Amount
- Amount requested, padded with leading zeros. Currency precision defined by DE 49.
- **Used in:** 0100, 0200, 0220, 0400, 0320

### DE 7 — Transaction Date and Time
- GMT. Format: `MMDDHHMMSS` (HH in 24-hour format).
- **Used in:** 0800/0810

### DE 11 — System Trace Number (STAN)
- Unique terminal-generated ID. Remains constant for original transaction and its reversal.
- For Void, Refund, Sale Completion, Batch Upload: a new STAN is generated; original STAN goes in DE:060.
- **Used in:** ALL

### DE 12 — Local Transaction Time
- Format: `HHMMSS` (24-hour). For Batch Upload: retain value from original transaction.
- **Used in:** 0100/0110, 0200/0210, 0220/0230, 0400/0410

### DE 13 — Local Transaction Date
- Format: `MMDD` (MM: 01–12). For Batch Upload: retain value from original transaction.
- **Used in:** 0100, 0200, 0220, 0400

### DE 14 — Card Expiry Date
- Format: `YYMM`.
- **Used in:** 0100, 0200, 0220, 0400

### DE 19 — Acquiring Institution Country Code
- 3-digit ISO numeric country code of the acquiring institution.
- **Used in:** 0100, 0200, 0220, 0400

### DE 22 — POS Entry Mode
- 3-digit numeric. Positions 1–2 = PAN Entry Mode; position 3 = PIN Entry Capability.

**Positions 1–2: PAN Entry Mode**

| Value | Description |
|-------|-------------|
| 01    | Manual (key entry) |
| 02    | Magnetic stripe read, CVV checking may not be possible |
| 05    | Integrated circuit card (EMV) read |
| 07    | Contactless M/Chip / Visa PayWave |
| 08    | NFC Payments |
| 80    | Fallback — chip card at chip terminal but terminal defaulted to magnetic stripe |
| 90    | Magnetic stripe read, CVV check possible |
| 81    | PAN entry via electronic commerce, including chip |

**Position 3: PIN Entry Capability**

| Value | Description |
|-------|-------------|
| 0     | Unknown |
| 1     | Terminal has PIN entry capability |
| 3     | Software Based PIN Entry Capability |

- For Batch Upload: retain same value as original authorization.
- **Used in:** 0100, 0200, 0220, 0400, 0320

### DE 23 — PAN Sequence Number
- EMV PAN sequence number from chip data.
- For Batch Upload: retain original authorization value.
- **Used in:** 0100/0110, 0200/0210, 0220/0230, 0400/0410

### DE 25 — POS Condition Code
- Identifies transaction conditions at the terminal.

| Transaction Type | POS Condition Code |
|---|---|
| Online Purchase / Refunds | 00 |
| Sale Completion | 06 |
| Void Purchase / Refunds | Same as original transaction |
| Offline Sale/Refund | 00 |
| Reversal | Same as original transaction |
| Batch Upload | Same as original transaction |
| Settlement | N/A |
| Key Exchange | N/A |

- **Used in:** 0100, 0200, 0220, 0400, 0320

### DE 32 — Acquiring Institution Code
- Identifies the acquiring institution. Contact your YSP client representative for valid values.

### DE 35 — Track 2 Data
- Populated when DE 22 indicates card swipe. For EMV: use Track 2 from EMV data elements.

| No | Field | Length | Example Value |
|----|-------|--------|---------------|
| 1  | PAN/Card Number | 12–19 | `1234567890123456` |
| 2  | Field Separator | 1 | `=` or `D` |
| 3  | Card Expiry Date (YYMM) | 4 | `3010` |
| 4  | Service Code | 3 | `226` |
| 5  | Key Index | 1 | `1` (default) |
| 6  | Mandatory | 3 | `100` |
| 7  | Mandatory | 1 | `0` |
| 8  | CVV1 | 3 | `123` |
| 9  | Mandatory | 5 | `00000` |
| 10 | End Sentinel | 1 | `?` |
| 11 | LRC | 1 | |

- **Used in:** 0200, 0100, 0220

### DE 37 — Retrieval Reference Number
- 12-digit reference. Format: `YDDDHHSSSSSS`

| Part   | Description |
|--------|-------------|
| Y      | Last digit of year (e.g., 2004 → `4`) |
| DDD    | Julian day of year (001–366), equivalent to DDMM in DE:007 |
| HH     | Hour from DE:007 |
| SSSSSS | Same value as DE:011 (STAN) |

- For 0320 Batch Upload: terminal must upload value from original 0210/0110 response.
- **Used in:** 0200/0210, 0100/0110, 0220/0230, 0500/0510, 0320/0330

### DE 38 — Authorization Identification Response
- 6-digit auth code from issuer on approval. Also passed in reversal messages.
- For 0320: upload value from original 0210/0110 response.
- **Used in:** 0210, 0110, 0230, 0510, 0320, 0330

### DE 39 — Response Code
- 2-digit outcome code (approved / declined / error). See [Section 6](#6-host-response-code-matrix).
- **Used in:** 0210, 0110, 0230, 0510, 0330, 0410, 0430

> **Batch Upload (0320 → 0330) special logic:**
> - If original authorization is approved but not settled and a duplicate settled batch exists:
>   - Switch responds with `94` in DE:039 → terminal should exclude from batch totals and print receipt with "RC-94, PLEASE CONTACT YOUR BANK TO RECONCILE THIS TRANSACTION"
>   - If no original authorization found: Switch responds with `76` → terminal should exclude from batch totals and print "RC-76, PLEASE CONTACT YOUR BANK TO RECONCILE THIS TRANSACTION"

### DE 41 — Card Acceptor Terminal Identification
- 8-character terminal ID; left-justified, space-filled.
- **Used in:** 0200/0210, 0100/0110, 0220/0230, 0500/0510, 0320/0330

### DE 42 — Card Acceptor Identification Code
- Alphanumeric merchant/terminal code.
- **Used in:** 0200/0210, 0100/0110, 0220/0230, 0500/0510, 0320/0330

### DE 43 — Card Acceptor Name and Location
- 40-character fixed field:
  - Positions 1–25: Merchant or Bank Name
  - Positions 26–38: City Name
  - Positions 39–40: 2-digit alpha country code
- Optional if Merchant Management System (MMS) is managed by switch.
- **Used in:** 0200, 0100, 0220

### DE 48 — Additional Data-2
- Used to send 3-digit CVV2 from POS terminal.
- For MasterCard mPOS/Device Type:

| Sub Element | Sub Field | Values |
|---|---|---|
| 21 – Acceptance Data | 01 – mPOS Acceptance Device Type | `0` – Dedicated mPOS Terminal with PCI compliant dongle |
| 21 – Acceptance Data | 01 – mPOS Acceptance Device Type | `1` – Off the Shelf Mobile Device |
| 22 – Multi-Purpose Merchant Indicator | 02 – Single Tap Indicator | `1` – Merchant capable of single tap processing |

- **Used in:** 0200, 0100

### DE 49 — Transaction Currency Code
- ISO currency code for the transaction amount.
- **Used in:** 0200/0210, 0100/0110, 0400/0410

### DE 52 — PIN Block Data
- PIN Block in hex format; 16 bytes.
- **Used in:** 0200 (PIN-entered transactions)

### DE 53 — Security Related Control Information
- 20-digit Key Serial Number (KSN); last 5 digits = Transaction Counter (TC) for DUKPT.

| Type          | KSN Length | TC Length |
|---------------|-----------|-----------|
| Key Exchange  | 15        | —         |
| Transaction   | 15        | 5         |

- **Used in:** 0200, 0100, 0800

### DE 54 — Additional Amount
- Used for Tip Adjust transactions; contains adjusted amount or account balance.
- Format per amount record:
  - Positions 1–2: Account type
  - Positions 3–4: Amount type (`01` = Ledger Balance, `02` = Available Balance)
  - Positions 5–7: Currency code
  - Position 8: Sign (`C` = positive / credit, `D` = negative / debit)
  - Positions 9–20: Amount value
- **Used in:** 0200

### DE 55 — Integrated Circuit Card (ICC) / EMV Data
- TLV-encoded chip data. Mandatory EMV tags:

| No | TAG   | Description |
|----|-------|-------------|
| 1  | 84    | Dedicated File Name |
| 2  | 9F26  | Application Cryptogram |
| 3  | 9F27  | Cryptogram Information Data |
| 4  | 9F10  | Issuer Application Data |
| 5  | 9F36  | Application Transaction Counter |
| 6  | 95    | Terminal Verification Result |
| 7  | 9F37  | Unpredictable Number |
| 8  | 5F2A  | Transaction Currency Code |
| 9  | 9C    | Transaction Type |
| 10 | 9F33  | Terminal Capabilities |
| 11 | 9A    | Transaction Date |
| 12 | 9F02  | Amount, Authorized (Numeric) |
| 13 | 9F1A  | Terminal Country Code |
| 14 | 9F34  | Cardholder Verification Method Results |
| 15 | 82    | Application Interchange Profile |

- Additional tags from the card should also be forwarded.
- For 0320 Batch Upload: retain value from original 0200/0220.
- **Used in:** 0100/0110, 0200/0210, 0220/0230, 0400/0410, 0320

### DE 60 — Advice Reason Code
- Context-sensitive field:

| Transaction Type | Content |
|---|---|
| Adjust / Void / Tip Adjust | Original Transaction Amount (12 digits) |
| Settlement | Batch Number (6 digits) |
| Batch Upload | Original MTI (4) + STAN (6) + RRN (12) = 22 digits |

- **Used in:** 0220, 0500, 0320

### DE 61 — Point-of-Service Data
- MasterCard interchange only. Sub-fields:

| Sub-field | Description | Length |
|-----------|-------------|--------|
| 3  | POS terminal location | 1 |
| 10 | Cardholder-Activated Terminal Level | 1 |
| 11 | POS Card Data Terminal Input Capability Indicator | 1 |
| 13 | POS country code | 3 |
| 14 | POS Postal code | 10 |

- Optional if MMS is handled by switch.
- **Used in:** 0100, 0200, 0220, 0400

### DE 62 — Information Data

| Transaction Type | Content |
|---|---|
| Settlement | Application Version |
| Other transactions | Invoice Number (6 digits) or Reference Number (20 digits — ledger posting number for terminal, incremented only on approvals) |
| Key Exchange | PIN Block Key or MAC Key |

- **Used in:** 0100, 0200, 0220, 0400, 0500, 0800, 0320

### DE 63 — Private Data
- Settlement data. 30-digit fixed format:

| Content | Length |
|---------|--------|
| Total No. of Credited Transactions | 3 |
| Total Credit Amount | 12 |
| Total No. of Debited Transactions | 3 |
| Total Debit Amount | 12 |

- **Used in:** 0200, 0220, 0400, 0500, 0320

### DE 64 — MAC Data
- MAC in hex format (16 digits). Required for host-to-host TCP-IP connections; optional for TLS.
- **Used in:** 0100, 0200, 0220, 0400

### DE 70 — Network Identification Code

| Value | Description |
|-------|-------------|
| 001   | Sign-on |
| 301   | Handshake |
| 161   | Key Exchange |

- **Used in:** 0800/0810

### DE 90 — Original Data Elements
- Applicable to reversal messages only. Format:
  ```
  N4[Original MTI] + N6[System Trace No] + N4[Local Date] + N6[Local Time] + N11[Acquirer Institution ID]
  ```
- **Used in:** 0400

### DE 125 — Key Exchange / Private Data
- **Key Exchange:** Binary (HEX compressed) — transmits KEY and Key Check Value.
- **Bill Payment Reference Inquiry:** Contains Biller Code, Biller Instrument Number, Billing Date (fields separated by `#`).
- **Used in:** 0800/0810, 0200/0210, 0220/0230, 0400/0410

---

## 3. Transaction Types & Fields

Legend: **M** = Mandatory, **C** = Conditional, **O** = Optional, blank = Not present.

### Financial / Reversal / Void / Settlement / Batch Upload

| Bit | Data Element Name                  | Fin Req (0200) | Fin Res (0210) | Rev Req (0400) | Rev Res (0410) | Void Req (0220) | Void Res (0230) | Settle Req (0500) | Settle Res (0510) | Batch Req (0320) | Batch Res (0330) |
|-----|-----------------------------------|:-:|:-:|:-:|:-:|:-:|:-:|:-:|:-:|:-:|:-:|
|     | Bit Map                           | M | M | M | M | M | M |   |   | M | M |
| 1   | Bit Map Extended                  | C | C | C | C | C | C |   |   | C | C |
| 2   | PAN                               | C | C | C | C | C | C |   |   | C | C |
| 3   | Processing Code                   | M | M | M | M | M | M | M | M | M | M |
| 4   | Transaction Amount                | M | M | M | C | M | M |   |   | M | M |
| 7   | Transmission Date & Time          | C |   | C |   | C |   |   |   |   |   |
| 11  | Trace Audit Number                | M | M | M | M | M | M | M | M | M | M |
| 12  | Local Time                        | M | M | M | M | M | M |   | M | M | M |
| 13  | Local Date                        | M | M | M | M | M | M |   | M | M | M |
| 14  | Expiry Date                       | C | C | C | C | C | C |   |   | C | C |
| 19  | Acquiring Institution Country Code| M | C | M | C | M | M |   |   | M | M |
| 22  | POS Entry Mode                    | M |   | M |   | M |   |   |   | M |   |
| 23  | PAN Sequence Number               | C |   | C |   | C |   |   |   | C |   |
| 24  | NII                               | C | C | C |   | C |   | M | M | C |   |
| 25  | POS Condition Code                | M |   | M |   | M |   |   |   | M |   |
| 35  | Track 2                           | M | C | C | C | M | C |   |   |   |   |
| 37  | Retrieval Reference Number        | C | M |   | M | M | M |   | M |   | M |
| 38  | Auth ID Response                  |   | M |   | M |   | M |   |   | M | M |
| 39  | Response Code                     |   | M |   | M |   | M |   | M |   | M |
| 41  | Card Acceptor Terminal ID         | M | M | M | M | M | M | M | M | M | M |
| 42  | Card Acquirer ID                  | M |   | M |   | M |   | M |   | M |   |
| 43  | Card Acceptor Name & Location     | C |   | C |   | C |   |   |   | C |   |
| 47  | Additional Data-1                 | C |   | C |   | C |   |   |   | C |   |
| 48  | Additional Data-2                 | C |   | C |   | C |   |   |   | C |   |
| 49  | Transaction Currency Code         | M | C | M | C | M | M |   |   | M | M |
| 52  | PIN Block Data                    | C | C | C | C | C | C |   |   | C | C |
| 53  | Security Related Control Info     | M |   |   |   |   |   |   |   |   |   |
| 54  | Additional Amount                 |   |   |   |   |   |   |   |   |   |   |
| 55  | Chip Data                         | C | C | C | C | C | C |   |   | C | C |
| 60  | Advice Reason Code                | C | C | C | C | C | C | M |   | C | C |
| 61  | Point-of-Service Data             | C |   | C |   | C |   |   |   | C |   |
| 62  | Information Data                  | M |   | M |   | M |   | M |   | M |   |
| 63  | Private Data                      | C | C | C | C | C | C | M |   | C | C |
| 64  | Private Data (MAC)                | C | C | C | C | C | C |   |   | C | C |
| 70  | Network Mgmt Info Code            |   |   |   |   |   |   |   |   |   |   |
| 90  | Original Data                     |   |   | C |   | C |   |   |   |   |   |
| 125 | Key Exchange                      |   |   |   |   |   |   |   |   |   |   |

### Key Exchange / Refund / Adjust / Pre-Auth Completion

| Bit | Data Element Name                  | Key Exch Req (0800) | Key Exch Res (0810) | Refund Req (0200) | Refund Res (0210) | Adjust Req (0220) | Adjust Res (0230) | Pre-Auth Comp Req (0220) | Pre-Auth Comp Res (0230) |
|-----|-----------------------------------|:-:|:-:|:-:|:-:|:-:|:-:|:-:|:-:|
|     | Bit Map                           |   |   | M | M | M | M | M | M |
| 1   | Bit Map Extended                  | C | C | C | C | C | C | C | C |
| 2   | PAN                               |   |   | M | M | C | C | C | C |
| 3   | Processing Code                   | M | M | M | M | M | M | M | M |
| 4   | Transaction Amount                |   |   | M | M | M | M | M | M |
| 7   | Transmission Date & Time          | C | C |   |   |   |   |   |   |
| 11  | Trace Audit Number                | M | M | M | M | M | M | M | M |
| 12  | Local Time                        | M | M | M | M | M | M | M | M |
| 13  | Local Date                        |   |   | M | M | M | M | M | M |
| 14  | Expiry Date                       |   |   | M | M | C | C | C | C |
| 19  | Acquiring Institution Country Code|   |   | M | M | M | M | M | M |
| 22  | POS Entry Mode                    |   |   | M |   | M |   | M |   |
| 23  | PAN Sequence Number               |   |   | C |   | C |   | C |   |
| 24  | NII                               |   |   | C |   | C |   | C |   |
| 25  | POS Condition Code                |   |   | M |   | M |   | M |   |
| 35  | Track 2                           |   |   |   |   | M | M | O | O |
| 37  | Retrieval Reference Number        |   |   |   | M |   | M |   | M |
| 38  | Auth ID Response                  |   |   |   | M |   | M |   | M |
| 39  | Response Code                     |   | M |   | M |   | M |   | M |
| 41  | Card Acceptor Terminal ID         | M | M | M | M | M | M | M | M |
| 42  | Card Acquirer ID                  | M | M | M |   | M |   | M |   |
| 43  | Card Acceptor Name & Location     |   |   | C |   | C |   | C |   |
| 47  | Additional Data-1                 |   |   | C |   | C |   | C |   |
| 48  | Additional Data-2                 |   |   | C |   | C |   | C |   |
| 49  | Transaction Currency Code         |   |   | M | M | M | M | M | M |
| 52  | PIN Block Data                    |   |   |   |   | C | C | C | C |
| 53  | Security Related Control Info     | M | M |   |   |   |   |   |   |
| 54  | Additional Amount                 |   |   |   |   |   |   |   |   |
| 55  | Chip Data                         |   |   |   |   | C | C | C | C |
| 60  | Advice Reason Code                |   |   | C | C | C | C | C | C |
| 61  | Point-of-Service Data             |   |   | C |   | C |   | C |   |
| 62  | Information Data                  | M | M | M |   | M |   | M |   |
| 63  | Private Data                      |   |   | C | C | C | C | C | C |
| 64  | Private Data (MAC)                |   |   | C | C | C | C | C | C |
| 70  | Network Mgmt Info Code            | M | M |   |   |   |   |   |   |
| 90  | Original Data                     |   |   |   |   |   |   |   |   |
| 125 | Key Exchange                      | M |   |   |   |   |   |   |   |

---

## 4. Data Dumps

### 4.1 Financial Message (Sale)

**Request: 0200**
```
DE002 Len:16  PAN:          476134XXXXXX0047
DE003 Len:6   Processing:   000000
DE004 Len:12  Amount:       000000002700
DE011 Len:6   STAN:         000217
DE012 Len:6   Local Time:   110042
DE013 Len:4   Local Date:   0116
DE014 Len:4   Expiry:       XXXX
DE019 Len:3   Country:      784
DE022 Len:3   POS Entry:    051
DE023 Len:3   PAN Seq:      001
DE024 Len:3   NII:          078
DE025 Len:2   POS Cond:     00
DE035 Len:32  Track2:       476134XXXXXX0047=XXXXXXXXXXXXXXX
DE037 Len:12  RRN:          110042000217
DE041 Len:8   TID:          8900901
DE042 Len:15  MID:          01000006
DE049 Len:3   Currency:     784
DE052 Len:16  PIN Block:    97CECCE05E361813
DE053 Len:20  KSN:          98250904730001000043
DE055 Len:272 EMV Data:     9F2701809F100706011203A088029F37042F3BB2A8...
DE062 Len:6   Invoice:      000001
```

**Response: 0210**
```
DE002 Len:16  PAN:          476134XXXXXX0047
DE003 Len:6   Processing:   000000
DE004 Len:12  Amount:       000000002700
DE011 Len:6   STAN:         000217
DE012 Len:6   Local Time:   123055
DE013 Len:4   Local Date:   0116
DE024 Len:3   NII:          078
DE037 Len:12  RRN:          601643000217
DE038 Len:6   Auth Code:    062744
DE039 Len:2   Response:     00
DE041 Len:8   TID:          8900901
DE042 Len:15  MID:          01000006
DE055 Len:30  EMV Data:     9F360200079108F29AD04000860000
```

### 4.2 Reversal

**Request: 0200** (Offline Reversal Advice)
```
DE002 Len:16  PAN:          476134XXXXXX0047
DE003 Len:6   Processing:   000000
DE004 Len:12  Amount:       000000001300
DE011 Len:6   STAN:         000015
DE012 Len:6   Local Time:   164729
DE013 Len:4   Local Date:   0211
DE014 Len:4   Expiry:       XXXX
DE019 Len:3   Country:      784
DE022 Len:3   POS Entry:    051
DE023 Len:3   PAN Seq:      001
DE024 Len:3   NII:          078
DE025 Len:2   POS Cond:     00
DE035 Len:32  Track2:       476134XXXXXX0047=XXXXXXXXXXXXXXX
DE037 Len:12  RRN:          164729000015
DE041 Len:8   TID:          8900901
DE042 Len:15  MID:          01000006
DE049 Len:3   Currency:     784
DE052 Len:16  PIN Block:    CCD2742EA95A09FC
DE053 Len:20  KSN:          98250904730001000165
DE055 Len:266 EMV Data:     9F2701809F100706011203A080029F37043BCEDB9C...
DE062 Len:6   Invoice:      000001
```

**Request: 0400** (Online Reversal)
```
DE002 Len:16  PAN:          476134XXXXXX0047
DE003 Len:6   Processing:   000000
DE004 Len:12  Amount:       000000001300
DE011 Len:6   STAN:         000015
DE012 Len:6   Local Time:   164729
DE013 Len:4   Local Date:   0211
DE014 Len:4   Expiry:       XXXX
DE019 Len:3   Country:      784
DE022 Len:3   POS Entry:    051
DE023 Len:3   PAN Seq:      001
DE024 Len:3   NII:          078
DE025 Len:2   POS Cond:     00
DE041 Len:8   TID:          8900901
DE042 Len:15  MID:          01000006
DE049 Len:3   Currency:     784
DE055 Len:56  EMV Data:     950500000480009F1E083034373330303031...
DE062 Len:6   Invoice:      000001
DE090 Len:42  Orig Data:    000000000000200000015021116472900000000000
```

**Response: 0410**
```
DE002 Len:16  PAN:          476134XXXXXX0047
DE003 Len:6   Processing:   000000
DE011 Len:6   STAN:         000015
DE012 Len:6   Local Time:   181821
DE013 Len:4   Local Date:   0211
DE024 Len:3   NII:          078
DE037 Len:12  RRN:          604221000015
DE038 Len:6   Auth Code:    000015
DE039 Len:2   Response:     00
DE041 Len:8   TID:          8900901
```

### 4.3 Void

**Request: 0200**
```
DE002 Len:16  PAN:          476134XXXXXX0039
DE003 Len:6   Processing:   000000
DE004 Len:12  Amount:       000000040000
DE011 Len:6   STAN:         000051
DE012 Len:6   Local Time:   124122
DE013 Len:4   Local Date:   0211
DE014 Len:4   Expiry:       3112
DE019 Len:3   Country:      784
DE022 Len:3   POS Entry:    051
DE023 Len:3   PAN Seq:      001
DE024 Len:3   NII:          078
DE025 Len:2   POS Cond:     00
DE035 Len:32  Track2:       476134XXXXXX0039=XXXXXXXXXXXXXXX
DE037 Len:12  RRN:          124122000051
DE041 Len:8   TID:          8900901
DE042 Len:15  MID:          01000006
DE049 Len:3   Currency:     784
DE055 Len:264 EMV Data:     9F2701809F100706011203A098029F37044F94B2C8...
DE062 Len:6   Invoice:      000001
```

**Advice: 0220** (Void Completion)
```
DE002 Len:16  PAN:          476134XXXXXX0039
DE003 Len:6   Processing:   020000
DE004 Len:12  Amount:       000000040000
DE011 Len:6   STAN:         000051
DE012 Len:6   Local Time:   141129
DE013 Len:4   Local Date:   0211
DE014 Len:4   Expiry:       XXXX
DE019 Len:3   Country:      784
DE022 Len:3   POS Entry:    011
DE024 Len:3   NII:          078
DE025 Len:2   POS Cond:     00
DE041 Len:8   TID:          8900901
DE042 Len:15  MID:          01000006
DE049 Len:3   Currency:     784
DE060 Len:12  Orig Amount:  000000040000
DE062 Len:6   Invoice:      000001
DE090 Len:42  Orig Data:    000000000000200000051021114112900000000000
```

### 4.4 Refund

**Request: 0100**
```
DE002 Len:16  PAN:          476134XXXXXX0047
DE003 Len:6   Processing:   200000
DE004 Len:12  Amount:       000000001200
DE011 Len:6   STAN:         000003
DE012 Len:6   Local Time:   095757
DE013 Len:4   Local Date:   0212
DE014 Len:4   Expiry:       3112
DE019 Len:3   Country:      784
DE022 Len:3   POS Entry:    011
DE024 Len:3   NII:          078
DE025 Len:2   POS Cond:     00
DE035 Len:37  Track2:       476134XXXXXX0047=3112XXXXXXXXX
DE037 Len:12  RRN:          095757000003
DE041 Len:8   TID:          8900901
DE042 Len:15  MID:          01000006
DE049 Len:3   Currency:     784
DE062 Len:6   Invoice:      000001
```

### 4.5 Settlement

**Request: 0500**
```
DE003 Len:6   Processing:   920000
DE011 Len:6   STAN:         000026
DE019 Len:3   Country:      262
DE024 Len:3   NII:          012
DE041 Len:8   TID:          00000016
DE042 Len:15  MID:          926211030000158
DE049 Len:3   Currency:     978
DE060 Len:6   Batch No:     000001
DE062 Len:6   Invoice:      000026
DE063 Len:30  Totals:       000000000000000002000000027000
```

**Response: 0510**
```
DE003 Len:6   Processing:   920000
DE011 Len:6   STAN:         000026
DE012 Len:6   Local Time:   182903
DE013 Len:4   Local Date:   0726
DE024 Len:3   NII:          012
DE039 Len:2   Response:     00
DE041 Len:8   TID:          00000016
```

### 4.6 Batch Upload

**Step 1 — Settlement Request: 0500** (Processing Code 920000)
```
DE003 Len:6   Processing:   920000
DE011 Len:6   STAN:         000022
DE019 Len:3   Country:      262
DE024 Len:3   NII:          012
DE041 Len:8   TID:          00000016
DE042 Len:15  MID:          926211030000158
DE049 Len:3   Currency:     978
DE060 Len:6   Batch No:     000002
DE062 Len:8   AppVersion:   v2.00.03
DE063 Len:30  Totals:       000000000000000002000000027000
```

**Step 1 — Response: 0510** (Response `95` = batch mismatch, upload required)
```
DE039: 95
```

**Step 2 — Batch Upload Request: 0320**
```
DE002 Len:16  PAN:          51626XXXXXX06575
DE003 Len:6   Processing:   000000
DE004 Len:12  Amount:       000000002000
DE011 Len:6   STAN:         000024
DE012 Len:6   Local Time:   150106
DE013 Len:4   Local Date:   0726
DE014 Len:4   Expiry:       1707
DE019 Len:3   Country:      262
DE022 Len:3   POS Entry:    010
DE024 Len:3   NII:          012
DE025 Len:2   POS Cond:     00
DE038 Len:6   Auth Code:    005371
DE041 Len:8   TID:          00000016
DE042 Len:15  MID:          926211030000158
DE049 Len:3   Currency:     978
DE060 Len:22  Orig Data:    0200000010720714000010
DE062 Len:0
```

**Step 2 — Response: 0330**
```
DE039: 00 (approved)
```

**Step 3 — Settlement Closure: 0500** (Processing Code 960000)
```
DE003 Len:6   Processing:   960000
DE011 Len:6   STAN:         000023
```

### 4.7 TMK Key Exchange

**Request: 0800** (Processing Code 991380)
```
DE001 Len:4   MTI:          0800
DE003 Len:6   Processing:   991380
DE011 Len:6   STAN:         000006
DE024 Len:3   NII:          078
DE041 Len:8   TID:          00000022
DE042 Len:15  MID:          100000000000182
DE043 Len:40  Name:         Prakruti
DE062 Len:6   AppVersion:   v2.00.03
DE063 Len:15  Serial No:    98250623730001
DE125 Len:32  Key:          0123456789ABCDEF0123456789ABCDEF
```

**Response: 0810**
```
DE001 Len:4   MTI:          0810
DE003 Len:6   Processing:   991380
DE011 Len:6   STAN:         000006
DE012 Len:6   Local Time:   142548
DE013 Len:4   Local Date:   0821
DE024 Len:3   NII:          078
DE039 Len:2   Response:     00
DE041 Len:8   TID:          00000022
DE042 Len:15  MID:          120186500048891
DE062 Len:38  Enc Key+KCV:  325838F288258A30B6418117EF9BFD7767E852
DE063 Len:15  Serial No:    98250623730001
```

### 4.8 IPEK / TAK Key Exchange (DUKPT)

**Request: 0800** (Processing Code 990280)
```
DE003 Len:6   Processing:   990280
DE007 Len:10  Date/Time:    0821085557
DE011 Len:6   STAN:         000007
DE012 Len:6   Local Time:   085557
DE041 Len:8   TID:          00000022
DE042 Len:15  MID:          100000000000182
DE053 Len:15  KSN:          982506237300010
DE070 Len:3   NMI Code:     161
```

**Response: 0810**
```
DE003 Len:6   Processing:   990280
DE011 Len:6   STAN:         000007
DE039 Len:2   Response:     00
DE041 Len:8   TID:          00000022
DE062 Len:38  Enc Key:      CE65D5CB033CFFD1C2076FBBF11BD980845273
DE070 Len:3   NMI Code:     161
```

### 4.9 Pre-Authorization / Sale Completion

**Request: 0220** (Processing Code 330000)
```
DE002 Len:16  PAN:          553801XXXXXXX223
DE003 Len:6   Processing:   330000
DE004 Len:12  Amount:       000000001300
DE011 Len:6   STAN:         000961
DE012 Len:6   Local Time:   122911
DE013 Len:4   Local Date:   0308
DE014 Len:4   Expiry:       2112
DE019 Len:3   Country:      262
DE022 Len:3   POS Entry:    051
DE024 Len:3   NII:          012
DE025 Len:2   POS Cond:     00
DE035 Len:37  Track2:       553801XXXXXXX223=2112226XXXXXXXXXXXXX
DE037 Len:12  RRN:          030800000961
DE041 Len:8   TID:          00000661
DE042 Len:15  MID:          983411000002267
DE049 Len:3   Currency:     262
DE055 Len:264 EMV Data:     9F0206000000001300820238009F36020096...
DE062 Len:6   Invoice:      000961
```

### 4.10 Adjust Sale

**Request: 0200** (Auth)
```
DE003 Len:6   Processing:   000000
DE004 Len:12  Amount:       000000001200
DE011 Len:6   STAN:         000958
DE022 Len:3   POS Entry:    051
DE037 Len:12  RRN:          030800000958
```

**Advice: 0220** (Completion with original amount in DE:060)
```
DE003 Len:6   Processing:   020000
DE004 Len:12  Amount:       000000000000
DE011 Len:6   STAN:         000960
DE037 Len:12  RRN:          030800000958
DE038 Len:6   Auth Code:    037418
DE060 Len:12  Orig Amount:  000000001200
DE062 Len:6   Invoice:      000958
```

---

## 5. Key Management

### 5.1 Unique TMK Process Overview

#### Method 1: Load TMK (XOR with Terminal Info)

1. **Component 1** = Terminal ID + Serial Number, right-padded with zeros to 32 digits
2. **Component 2** = Static Clear TMK (32 digits)
3. **Master TMK** = Component 1 XOR Component 2 (stored on terminal)
4. Terminal transmits Serial Number + Terminal ID during TMK Key Exchange
5. After TMK exchange, new unique TMK is used for TAK and TPK exchange (ECB mode)

```
Component 1:  00000122D12345678900000000000000  (Check value: 2F2CFC)
Component 2:  70387F8940024CEA4CD04A57E50DA45B  (Check Value: A3C721)
Final TMK KCV: 027C71
```

#### Method 2: Generate and Export TMK (CBC)

1. Terminal generates 32-digit random TMK
2. TMK is encrypted under shared 32-digit Master Key (MK), then sent to YSE
3. Terminal includes Terminal ID and Serial Number in the key exchange message
4. YSE stores decrypted TMK for the terminal; uses CBC mode
5. After successful response, terminal initiates session key exchange
6. YSE sends session keys encrypted under terminal TMK (ECB mode)

```
Clear MK:              E2235597B6B9957F9C2E12254E0265B9  (KCV: B1 C7 18)
Clear TMK:             17CBF23F4AB14C698F48A52EEC587B0C  (KCV: 9F 37 02)
TMK encrypted under MK: 556214096C95250FC3E641BF6CD8A0F9  (Mode: CBC)
```

#### Method 3: Derive and Export IPEK / TAK

1. Terminal sends TMK download request with Merchant ID, Terminal ID, Serial Number, Merchant Name
2. YSE generates TMK using Master KEY + merchant account info
3. YSE sends encrypted TMK to terminal (ECB decryption)
4. Stored TMK is used to exchange:
   - **TPK** — Terminal PIN Key
   - **TAK** — Terminal Authentication Key
5. YSE sends session keys encrypted under terminal TMK (ECB mode)

#### DUKPT (Derived Unique Key Per Transaction)
- Every transaction uses a unique encryption key derived from a Base Derivation Key (BDK) and a unique Key Serial Number (KSN).

### 5.2 Key Exchange — TAK and TPK

- TAK and TPK are **double-length** keys, sent in DE:62
- 3-byte KCV appended to each key (from Thales 8000 HSM)
- Encryption mode: **ECB** with Thales 8000 HSM variants

```
Clear TPK:          F4E9981586DF25450B436D8F91576EAD  (KCV: B3B434)
Encrypted TPK/TMK:  715DF4A81D97644672DBEEFC9C3624A3

Clear TAK:          5DAEC8D52952D9E5D57CDCE5FB021A34  (KCV: 753DA8)
Encrypted TAK/TMK:  B79D05DBD351000244224DEA8516ABEF
```

### 5.3 PIN Block Encryption

- PIN encrypted with TPK (ANSI PIN Block format)

```
Card No:    9999999999999999
PIN:        1234
Clear TPK:  F4E9981586DF25450B436D8F91576EAD
Encrypted PIN Block: D95E512C61638CE0
```

### 5.4 Message Authentication Code (MAC)

- Algorithm: **ANSI X9.19** using TAK
- MAC string must be padded to multiples of 8 bytes with `F`
- MAC is placed in DE:64

#### MAC Input Fields by Message Type

| MTI  | Fields Included in MAC |
|------|------------------------|
| 0100 | MTI, DE2 (if no DE35), DE3, DE4, DE11, DE35 |
| 0110 | MTI, DE2 (if no DE35), DE3, DE4, DE11, DE35, DE38, DE39 |
| 0200 | MTI, DE2 (if no DE35), DE3, DE4, DE11, DE35 |
| 0210 | MTI, DE2 (if no DE35), DE3, DE4, DE11, DE35, DE38, DE39 |
| 0220 | MTI, DE2, DE3, DE4, DE11 |
| 0230 | MTI, DE2, DE3, DE4, DE11, DE38, DE39 |
| 0400 | MTI, DE2, DE3, DE4, DE11, DE39 |
| 0410 | MTI, DE2, DE3, DE11, DE39 |

**Sample MAC Generation:**
```
TAK:          5DAEC8D52952D9E5D57CDCE5FB021A34
Input:        0000000214050000000100009999999999999999=11081010000090446400012345FFF
  Processing: 000000
  STAN:       021405
  Amount:     000000010000
  Track2:     9999999999999999=11081010000090446400
  Auth ID:    012345
MAC Value:    D645B06268707857
```

---

## 6. Host Response Code Matrix

| Code | Description |
|------|-------------|
| 00   | Approved and completed successful |
| 01   | Refer to card issuer |
| 02   | Refer to card issuer, special condition |
| 03   | Invalid merchant or service provider |
| 04   | Pick up card (no fraud) |
| 05   | Do not honor |
| 06   | Error |
| 07   | Pick up card, special condition (fraud account) |
| 10   | Partial approval |
| 11   | Approved (V.I.P) |
| 12   | Invalid transaction |
| 13   | Invalid amount |
| 14   | Invalid account number (no such number) |
| 15   | No such issuer (first 8 digits of account do not relate to an issuer BIN) |
| 19   | Re-enter transaction |
| 21   | No action taken (unable to back out prior transaction) |
| 25   | Unable to locate record in file |
| 28   | File temporarily not available for update or inquiry |
| 30   | Format error |
| 39   | No credit account |
| 41   | Lost card, pick up (fraud account) |
| 43   | Stolen card, pick up (fraud account) |
| 51   | Insufficient funds |
| 52   | Not checking account |
| 53   | No savings account |
| 54   | Expired card or expiration date is missing |
| 55   | Incorrect PIN or PIN missing |
| 56   | Unable to locate original transaction |
| 57   | Transaction not permitted to cardholder *(also sent if Sale Completion has no matching pre-authorization)* |
| 58   | Transaction not allowed at terminal |
| 61   | Exceeds approval amount limit |
| 62   | Restricted card (card invalid in this region or country) |
| 63   | Security violation (source is not correct issuer) |
| 64   | Invalid account |
| 65   | Exceeded withdrawal frequency limit |
| 72   | ISO error |
| 75   | Allowable number of PIN entry tries exceeded |
| 76   | Unsolicited reversal (reversal with no original transaction in history) |
| 77   | Previous message located for repeat or reversal, but data are inconsistent |
| 79   | Already reversed |
| 80   | Invalid date |
| 81   | Cryptographic error in PIN |
| 82   | Incorrect CVV1 / CVV2 |
| 83   | Unable to verify PIN |
| 85   | No reason to decline — account number / address verification (database error) |
| 86   | Cannot verify PIN (no PVV) |
| 87   | Service indicator |
| 89   | Ineligible to receive financial position information |
| 91   | Issuer unavailable or switch inoperative (host not available) |
| 92   | Destination cannot be found for routing |
| 93   | Transaction cannot be completed — violation of law |
| 94   | Duplicate transmission |
| 96   | System malfunction |

---

## 7. Contact Details

| Name     | Mr. Rajkumar S                   |
|----------|----------------------------------|
| Mobile   | +91 8056222236                   |
| Email    | rajkumar.s@yalamanchili.in       |
| Website  | www.ysppayments.com              |

| Name     | Ms. Archana M                    |
|----------|----------------------------------|
| Mobile   | +91 8807154379                   |
| Email    | archana.m@yalamanchili.in        |
| Website  | www.ysppayments.com              |