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TranzWare Online Interconnection

TranzWare Online
Core Banking Interface

March 14, 2015

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

1998-2015 Compass Plus Ltd. All rights reserved


This document is the property of Compass Plus Ltd. and the information contained herein is
confidential. The material contained in this document is protected under International Copyright
Laws and Treaties. Any unauthorized reprint or use of this material to create other work is
prohibited. No part of this document may be reproduced, disclosed, distributed, transmitted or
otherwise used in any form or by any means, electronic or mechanical, including photocopying,
recording, or by any information storage and retrieval system without express written
permission from Compass Plus Ltd., or, if any part hereof is furnished by virtue of a contract
between Compass Plus Ltd. and a third party, as expressly authorized under that contract.
TRANZWARE, TRANZAXIS, RADIXWARE
are registered trademarks of Compass Plus Ltd
2(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Revision History
Date

Version

TWO
Version

16.02.2015

2.91

5.2.5.x

Changed the description of the 124.ERC field

05.02.2015

2.91

5.2.5.x

Added new subfields to the 124 field to support the


service of avatars

04.02.2015

2.91

Corrected the description of the files format

03.02.2015

2.91

Detailed the description of the 123.IC (Issuer Country


Code) and 123.IB (Issuer Card Brand) fields

22.01.2015

2.91

5.2.5.x

15.12.2014

2.90

5.2.4.x

Description of Change

Added the new protocol version. Changed the format of


the 123.SD field
Added new transaction codes (field 3):
606 - "3-D Secure Add Abonent"
607 - "3-D Secure Update Abonent"
Extended the description of the field "3-D Secure (ECommerce) data" (124.EC). Added the following
subfields: 3DS/PP, ADS/ARL, Auth/NS, Auth/NDP,
Auth/NC, Auth/NT, Dyn/PF, Dyn/Sc, PR/NPR, PR/PRA,
PR/NSQ, PR/NSA. Changed the description of the fields
ADS/QL, Dyn/AL, Dyn/Ch, Dyn/Ad.
Detailed the description of the fields 123.PT, 123.NPT,
123.CH, 123.DPO, 123.CCH.

27.11.2014

2.89

5.2.4.x

Changed the description of the 123.FD field.

26.11.2014

2.89

5.2.4.x

Added the 124.TAD subfield.

21.11.2014

2.89

5.2.4.x

Added the description of the Response Condition TC


Advice Requested value. Extended the use of the Batch
Upload Advice message.

13.11.2014

2.89

5.2.4.x

Extended the description of the field 123, subfield PD


(P2P Sender Data).

03.10.2014

2.88

5.2.3.x

Added the description of the 123.RSA (Replacement


Settlement Amount) field.

16.09.2014

2.88

5.2.3.x

Changed the description of the IND (Installment Data)


subfield of the 124 field.

09.09.2014

2.88

5.2.3.x

Added the 123.VCARDCVV2 field. Extended the


description of the 123.P2 field.

3(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Version

TWO
Version

22.07.2014

2.87

5.2.2.x

18.07.2014

2.87

5.2.2.x

Supported working with EOP


Changed the formats of files for TCI.

08.07.2014

2.87

5.2.2.x

Supported CRC to check the records for integrity.

Date

03.07.2014

2.86

5.1.35.x

Description of Change
Added the subfields 123.TLEC, 123.DUKPTC and
123.TS3DS.

Supported the execution of the 3-D Secure operations:


- new values of the field 3;
- new response codes;
- new subfield 124.EC containing the main set of data
required for the TranzWare Online E-Commerce
Protocol;
- Extended the description of the fields 108 and 110.
Added a new value of the field 123.TC

02.07.2014

2.86

03.06.2014

2.86

5.1.35.x

Added the POS_P2PCalcFee and POS_CalcFee


transactions. Added the field 124.PST.

29.05.2014

2.86

5.1.35.x

Added the following new subfields: 123.PT, 123.NPT,


123.CH, 123.DPO, 123.CCH.
Added the missing value to the field 25:

02.04.2014

2.85

5.1.31.x
67 Installment payment EMV chip transaction
Added the following new values to the field 25:

02.04.2014

2.85

5.1.34.x

11 Normal with Bonuses


92 EMV chip transaction with Bonuses

07.03.2014

2.85

Corrected the description of the field 124.IND

14.02.2014

2.84

Detailed the description of the field 115.

20.01.2014

2.84

Corrected the list of supported transaction codes.

29.10.2013

2.83

5.1.32.x

Added the WD subfield to the field 123.

18.10.2013

2.82

5.1.31.x

Added the 800 FIMI Balance Inquiry transaction code.

17.10.2013

2.82

5.1.31.x

Extended the description of the ID subfield of the field


124.

24.09.2013

2.81

5.1.31.x

Added the 0320 Batch Upload Advice message type.


Added the 196 POS TC Advice transaction code.

4(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Version

TWO
Version

27.08.2013

2.80

12.08.2013

2.80

5.1.30.x

Added the MPI (Mobile POS Indicator) subfield to the


field 124.

23.07.2013

2.80

5.1.30.x

Added the NII (Network International Identifier)


subfield to the field 124.

Date

Description of Change
Detailed the descriptions of the "EAV" and "EM"
subfields of the field 123.

Added the missing value 53 to the list of available


values of the field 25.
18.07.2013

2.80

5.1.30.x

10.07.2013

2.80

5.1.30.x

Extended the list of available values of the subfield


121.2: added the new value 4 Verification Only.

08.07.2013

2.80

5.1.30.x

Extended the description of the field 124. Added the


HIAD and HIADS subfields.

28.05.2013

2.79

27.05.2013

2.79

5.1.29.x

Detailed the usage conditions in the description of the


field 122.

25.03.2013

2.78

5.1.28.x

Added new DAE subfield to the field 124.

21.03.2013

2.77

5.1.28.x

Added new authorizer response WeakPIN.

15.03.2013

2.76

5.1.28.

Added subfields ID and PRCNT to the field 124.

26.02.2013

2.75

5.1.28.x

Added new FPI subfield to the field 123.

Added the IND (Installment Data) subfield to the field


124.

Detailed the description of the fields 4, 49, 106.

Added the description of the missing response codes.


31.01.2013

2.74

31.01.2013

2.74

5.1.27.x

26.12.2012

2.74

27.11.2012

2.73

5.1.25.

Added the description of the missing subfields of the


field 123.
Extended the format of the field 115: added new fields
to the account history.
Detailed the description of the field 110 in the messages
420.
Added the following transaction codes: POS Message
To Financial Institution and Cardless Cash Advance.
Changed the description of the fields 39, 102, 111 and
123.

23.11.2012

2.72

5.1.26.x

18.05.2012

2.71

Added the following transaction codes: 85 ATM


Create Virtual Card and 336 TB Create Virtual Card.
Corrected the use of the field 61 in the messages.
5(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Date

Version

TWO
Version

14.05.2012

2.71

02.05.2012

2.71

5.1.23.x

18.04.2012

2.70

Description of Change
Added new transaction codes (reserved for future
implementation)
Added the TTP (Terminal Transit Program) subfield to
the field 123.
Extended the description of field 35
Support of partial authorization:
Changed the description of the field 4 usage in the
messages 110 and 210.

20.01.2012

2.69

5.1.21.x

Extended the description of the field 4 (Transaction


Amount).
Added the SPA (Terminal Support Partial
Authorization) and AOR (Original Requested
Amount) subfields to the field 123.
Added new response codes 02 and 03 to section
Response Codes.

30.11.2011

2.68

5.1.20.x

Extended the use of the "EPS" subfield of the field 124


(External Payment System Fields). Now, it can be used
in the messages 100, 120, 200 and 220.

26.11.2011

2.68

5.1.20.x

Added the following subfields to the field 123: AOD


(Original DCC Amount) and COD (Original DCC
Currency)
Added the information on Reject statuses to Section 2
Message Format.

15.11.2011

2.68

Extended the Reject description in Section 3 Message


Types.

01.11.2011

2.67

Extended the description of the field 110.

24.10.2011

2.67

Extended the description of the following fields: 51


(Cardholder Billing Currency Code), 122 (3D-Secure
Data), 123.IF (Issuer Fee), 123.AIF (Actual Issuer Fee).
Added the CC (Terminal Contactless Capable)
subfield to the field 123.

24.10.2011

2.67

5.1.19.x
Removed the value 11 of the field 123 (the "TC" Terminal Entry Capabilities subfield).

24.10.2011

2.67

5.1.19.x

05.09.2011

2.66

30.08.2011

2.66

5.1.19.x

Added the CL (CAT Level) subfield to the field 123


Detailed the description of the field 39 in the messages
120 and 220.
New value of the protocol version is 09.

6(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Date

Version

TWO
Version

Description of Change
Extended the length of the field 62 (External
Transaction Attributes)

25.08.2011

2.66

5.1.19.x

Added the PF (External payment gateway fields)


subfield to the field 124

18.08.2011

2.66

5.1.17.x

Extended the use of field 110 Numeric Message.

25.07.2011

2.65

Added the missing transaction codes: 201 - Debit


Adjustment and 202 - Credit Adjustment
Corrected the description of the field 26 (Message
Reason Code).

22.07.2011

2.65

06.07.2011

2.65

01.06.2011

2.64

5.1.17.x

Added the BAI subfield (Business Application


Identifier) to the field 123.

30.05.2011

2.64

5.1.17.x

Extended the description of the field 123, subfield PD


(P2P Sender Data).

27.05.2011

2.64

5.1.17.x

Added the AR subfield (Agent Unique Account Result)


to the field 123.

22.04.2011

2.63

16.03.2011

2.62

5.1.16.x

Changed the section 10. Transaction Reasons (Reason


field)
Added the "Recommendations on Processing of Chip
Card Transactions" section

Added the information on the message encryption


(section 2 Messages Format).
Added the subfield ERN (External Retailer Name) to
the field 123
Added the following transaction codes: 753 - CMS
Payment Precheck, 754 - CMS Payment Confirmation,
758 - CMS Payment Request.

04.03.2011

2.61

5.1.15.x

Added the value 3 (VISA Fast Funds) for the field 121.2
Draft Capture.
Extended the usage of the field 123.IF Issuer Fee in the
messages TCI-from-bs.

24.01.2011

2.60

13.12.2010

2.59

5.1.13.x

10.09.2010

2.58

09.09.2010

2.57

5.1.13.x

Added description of the message types


Added the transaction code 443 Change EC Status;
supplemented the description of the field 110 (Numeric
Message)
Detailed the format of the field P-43.9 Terminal date.
Added transaction code 703 Customer messaging on
accounts balance.
7(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Date

Version

TWO
Version

Description of Change
Removed the unsupported transaction codes 027 and
028 for TCI-from-bs.
Added the DR subfield (Debit RRN) to the field 123

01.09.2010

2.56

5.1.12.x

26.08.2010

2.55

10.06.2010

2.54

5.1.11.

Added the AB subfield (Additional balances) to the


field 124
Extended the description of the field 51(Cardholder
Billing Currency Code)
Supplemented the description of the field 123.PD (P2P
Sender Data)
Added the following subfields to the field:

18.05.2010

2.53

5.1.11.x

ER (External payment system RRN)

ET (External transaction number)

Added the description of PIN Verification File Update


messages.
12.04.2010

25.02.2010

04.12.2009

2.52

2.51

2.50

5.1.10.x

Added the following subfields to the field 123:

NP (New PVV for PIN change transactions)

PVT (PIN Verification Type)

Detailed the description of field 28 (Fee amount)

Added the following transaction codes that were


skipped: 369 (Telebank Transfer Debit), 370 Telebank
Transfer Credit), 383 (Telebank Payment Debit), 384
(Telebank Payment Credit), 386 (Telebank Prepaid
Debit) and 387 (Telebank Prepaid Credit).
Modified the Section 9 BS and TCI States.

03.12.2009

2.49

5.1.7.4

Added the transaction codes: 303 (Telebank Operation


History) and 363 (Telebank Card Statement).
Changed the description of the following fields: 4
(Transaction Amount), 54 (Adjustment amount), 123.FD
(From Date) and 123.TD (To Date).

12.11.2009

2.48

Added the description of specific values of the field 25


(POS condition code) for dispute operations.
Added the transaction codes: 58 (Payment return) and
77 (ATM Card Cash Payment)

30.09.2009

2.48

5.1.7.x

Extended the description of fields 102 (Account


Identification 1 (FROM) and 103 (Account Identification
2 (TO)
8(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Date

Version

TWO
Version

28.09.2009

2.47

5.1.7.x

Section Reversal Codes is supplemented by codes 11,


30,40,41,50,51

02.09.2009

2.46

5.1.6.4

In the field 123, added the subfield EM (3D-Secure


CAVV).

18.08.2009

2.45

All
versions

28.07.2009

2.44

22.07.2009

2.43

Description of Change

Detailing of field 115 format.


Corrected the length of field 41 (Card acceptor terminal
ID).

All
versions

Added the description of Response codes 11, 17, 21,


22, 49 to the table 8 Response Codes
Added the following subfields to the field 124:
PCSC (American Express Printed Card
Security Code)

25.06.2009

2.42

5.1.6.x

PCSCL (PCSC Length)


CA (Customer address)
AVR (Address verification result)
DA (Detail Addenda)
Added the Administrative Advice messages for TCI.

09.04.2009

2.41

5.1.4.x

Added the transaction codes for Administrative Advice:


ATM Balancing, ATM Cutover, ATM Cutover and
Balancing, Adjust ATM Hopper, Decrease ATM Hopper,
Increase ATM Hopper, Decrease ATM CashIn Hopper,
Adjust ATM Coins, Decrease ATM Coins, Increase ATM
Coins, Close Day.
Added the field 125 (Administrative transaction data).

2.40

Detailed the description of the field 123 in the messages


220 and 420.

02.03.2009

2.39

Deleted the description of transaction fields that are not


supported: ATM Balancing, ATM Cutover, ATM Cutover
and Balancing, Adjust ATM Hopper, Decrease ATM
Hopper, Increase ATM Hopper, Decrease ATM CashIn
Hopper, Close Day.

05.02.2009

2.38

Improved description of the field 11 (STAN).

15.01.2009

2.37

Deleted the unsupported code of transaction ATM Cash


Payment.

24.11.2008

2.36

05.03.2009

5.1.1.4

Added subfield AL (Account List) to the field 124.


9(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Date

Version

18.09.2008

2.35

TWO
Version

Description of Change
Added the missing transaction codes 68 (ATM Payment
Request) and 359 (Telebank Payment Request).
New value of the protocol version is 08.

04.09.2008

2.34

Added the transaction code 55 (ATM Bills Request).


Added the description of the field 116 (Billing data).

16.07.2008

2.33

Added subfield TA2 (Account Identification 2) to field


124
New value of the protocol version is 07.

15.07.2008

2.32

07.07.2008

2.31

Modified EMV format of the tag 9F36 for the protocol


version 07.
Added the subfields EPS (External payment system
fields) and ERC (External response code) to the field
124.
Added the description of the Administrative messages.

10.06.2008

2.30

Added the administrative transaction code 441 (Receive


prepaid code)
Added the PC (Prepaid code) subfield to the field 124.
New value of the protocol version is 06.

22.05.2008

13.05.2008

2.29

2.28

Added the description of the field 124 (Miscellaneous


transaction attributes 2).
The following subfields are added to the field 123:
CAP (Chip Authentication Program Token), AP
(Authentication PAN) and ACM (Authentication card
member).
Added the subfield TLC (Terminal Language Alpha2
Code) to the field 123.

22.04.2008

2.27

31.03.2008

2.26

Added the subfield EAV (MasterCard UCAF SPA


AAV) to the field 123.

19.02.2008

2.25

Added the description of transaction codes 27 and 28


for the TCI-from-BS messages

14.02.2008

2.24

Extended the description of the field 54.

13.02.2008

2.23

Detailed the use of field 26 (Transaction Reason).


Added the description of the field values.

Detailed the description of the fields 28 (Fee amount),


54 (Adjustment amount) and 95 (Replacement
Amounts).

10(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

TWO
Version

Date

Version

Description of Change

21.01.2008

2.22

Detailed the use of data from the field 55 in the


messages.

26.12.2007

2.21

Added the subfields FAD (From account description)


and TAD (To account description) to the field 123

24.12.2007

2.20

Added the PD (P2P Sender Data) subfield to the field


123

14.12.2007

2.19

Format revision of the fields 53 and 115

07.11.2007

2.18

Extended the Transaction Code list of values

22.10.2007

2.17

Extended the description of the field 123

17.10.2007

2.16

Added the CM2 (Another Card member number)


subfield to the field 123.
Added the description of the BS and TCI states

08.10.2007

2.15

03.10.2007

2.14

Added the description of the TCI balances and


turnovers files format

24.08.2007

2.13

Format revision of the tag 9F36, field 55

11.05.2007

2.12

Added the TL (Terminal Language) subfield to the field


123

Added new value of the protocol version 05;


Added the description of the field 115 (Statement).
24.04.2007

2.11

Added the field 10 (Conversion Rate, Cardholder Billing)

06.03.2007

2.10

Description of the Protocol Version header field values

27.02.2007

2.9

Field 39 format revision

2.8

Added the support of the Get Information from Back


Office transaction

22.09.2006

Added the field 127 (Additional information)


11.09.2006

2.7

Added the RC (ICC_ResponseCode) subfield to the


field 123

21.08.2006

2.5

Added the FN2 (AuthFIName2) and P2 (PAN2)


subfields to the field 123

21.03.2006

2.4

Added the field 53 (Security Related Control


Information)

17.11.2005

2.3

Added the support of Chargeback, Representment and


Adjustment messages

11(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

TWO
Version

Date

Version

Description of Change

16.05.2005

2.2

Added the FD (From Date), IC (Issuer Country Code),


IB (Issuer Card Brand) subfields to the field 123

29.03.2005

2.1

Added the ICO (ICC Card Authentication Results OK)


subfield to field 123
Added the description of the message field formats to
the paragraph 2

28.02.2005

1.13

28.02.2005

2.0

Expanded the TCI (TranzWare Corebanking Interface)


support

14.12.2004

1.12

Added comment to the fields 105.1, 105.2 and 43.15


allowed the first character - indicates negative value.

29.11.2004

1.11

Field 61 is sent in the 130 and 230 messages.

17.11.2004

1.10

Added the TD subfield to the field 123

11.10.2004

1.9

Extended the description of the field 64 (MAC) MAC


generation method is explained

Max size of field 109 is increased up to 999.


Added the TC subfield to the field 123
19.08.2004

1.8

Changed format of the fields: 121.6, 126.2 and 126.3


from N to ANS, dimension is the same.

13.02.2004

1.7

Format of the field 111 is changed from ANS..30 to


ANS..99
Transaction code new values are added ATM, POS,
Telebank P2P Debit and Credit.

19.12.2002

1.6
New field 48 - Reference to other transaction, used in
P2P Credit transaction
New value of the 02 protocol version;

04.12.2002

1.5

Added the description of the field 62;


Added the description of the field ATM additional
buffers transfer

17.09.2002

1.4

Detailed description of the fields: 22 (POS Entry Mode)


and 25 (POS Condition Code)

03.07.2002

1.3

Added EMV messages support

16.04.2002

1.2

Added the message format definition

02.11.2001

1.1

Added the ATM User Defined Transaction support

20.08.2001

1.0
12(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Table of Contents
Revision History .................................................................................................................. 3
1
Introduction ............................................................................................................... 16
2
Message Format ....................................................................................................... 17
3
Message Types ......................................................................................................... 18
4
Messages Processing .............................................................................................. 19
4.1
PROCESSING OF TIC MESSAGES .......................................................................................... 19
4.1.1 Network Management Messages (0800) ...................................................................... 19
4.1.2 Authorization / Financial Messages (0100/0200) .......................................................... 20
4.1.3 Advice Messages (0120/0220) ..................................................................................... 21
4.1.4 Batch Upload Advice Messages (0320)........................................................................ 22
4.1.5 Reversal Messages (0420) .......................................................................................... 23
4.1.6 Stoplist / Chargeback Messages (0422)....................................................................... 24
4.2
PROCESSING OF TCI MESSAGES .......................................................................................... 25
4.2.1 Network Messages (0800) ........................................................................................... 25
4.2.2 Authorization / Financial Messages (0100/0200) .......................................................... 26
4.2.3 Advice Messages (0120/0220) ..................................................................................... 27
4.2.4 Reversal Messages (0420) .......................................................................................... 28
4.2.5 Stand-In Authorization.................................................................................................. 29
4.3
DYNAMIC KEY CHANGE IN TIC .............................................................................................. 32

5
6

List of Fields ............................................................................................................. 33


Fields in Various Message Types ........................................................................... 37
6.1
USE OF FIELDS IN TIC AND TCI-FROM-HOST ......................................................................... 38
6.1.1 Authorization (100/110), Balance (103/113), Financial (200/210), Authorization Advice
(120/130), Financial Advice (220/230), Batch Upload Advice (320/330)* .................................. 38
6.1.2 Acquirer Reversal Advice (420/430), Chargeback (422/432), Representment (220/230),
Adjustment (220/230) ............................................................................................................... 41
6.1.3 Stoplist (422/432) ......................................................................................................... 44
6.1.4 PIN Verification File Update (422/432) ......................................................................... 45
6.1.5 Address Verification File Update (422/432) .................................................................. 46
6.1.6 Administrative (600/610) .............................................................................................. 47
6.1.7 Administrative Advice (620/630) ................................................................................... 49
6.1.8 Network Management (800/810) .................................................................................. 50
6.2
USE OF FIELDS IN TCI-FROM-BS .......................................................................................... 51

Fields Definition ........................................................................................................ 52


P-0
P-1
P-2
P-3
P-4
P-6
P-7
P-10
P-11
P-12
P-13
P-18
P-19
P-23
P-25
P-26

PRIMARY BIT MAP ............................................................................................................... 52


SECONDARY BIT MAP .......................................................................................................... 53
PAN ................................................................................................................................... 54
PROCESSING CODE ............................................................................................................. 55
TRANSACTION AMOUNT ....................................................................................................... 59
CARDHOLDER BILLING AMOUNT............................................................................................ 60
TRANSMISSION GREENWICH TIME ........................................................................................ 61
CONVERSION RATE, CARDHOLDER BILLING ........................................................................... 62
SYSTEM TRACE AUDIT NUMBER ........................................................................................... 63
LOCAL (TERMINAL) TRANSACTION TIME ................................................................................ 64
LOCAL (TERMINAL) TRANSACTION DATE ............................................................................... 65
SIC .................................................................................................................................... 66
ACQUIRING INSTITUTION COUNTRY CODE ............................................................................. 67
MBR .................................................................................................................................. 69
POS CONDITION CODE ........................................................................................................ 70
MESSAGE REASON CODE .................................................................................................... 71
13(153)

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P-28 FEE AMOUNT....................................................................................................................... 72


P-32 ACQUIRING INSTITUTION IDENTIFICATION............................................................................... 73
P-33 FORWARDING INSTITUTION IDENTIFICATION ........................................................................... 74
P-35 TRACK 2 ............................................................................................................................. 75
P-37 TRANSACTION RETRIEVAL REFERENCE NUMBER ................................................................... 76
P-38 AUTHORIZATION IDENTIFICATION RESPONSE (APPROVAL CODE) ............................................ 77
P-39 RESPONSE CODE ................................................................................................................ 78
P-41 CARD ACCEPTOR TERMINAL ID ............................................................................................ 79
P-43 CARD ACCEPTOR TERMINAL NAME/LOCATION ....................................................................... 80
P-45 TRACK 1 ............................................................................................................................. 82
P-48 REFERENCE TO OTHER TRANSACTION .................................................................................. 83
P-49 TRANSACTION CURRENCY CODE .......................................................................................... 84
P-51 CARDHOLDER BILLING CURRENCY CODE .............................................................................. 85
P-52 PIN .................................................................................................................................... 86
P-53 SECURITY RELATED CONTROL INFORMATION ........................................................................ 87
P-54 ADJUSTMENT AMOUNT ......................................................................................................... 88
P-55 ICC SYSTEM RELATED DATA ................................................................................................ 89
P-61 CARD ISSUER DATA ............................................................................................................. 90
P-62 EXTERNAL TRANSACTION ATTRIBUTES .................................................................................. 91
P-63 NEW PIN ............................................................................................................................. 92
P-64 MAC .................................................................................................................................. 93
S-70 NETWORK MANAGEMENT INFORMATION CODE ...................................................................... 94
S-95 REPLACEMENT AMOUNTS..................................................................................................... 95
S-100 RECEIVING INSTITUTION IDENTIFICATION CODE ..................................................................... 96
S-102 ACCOUNT IDENTIFICATION 1 (FROM) ................................................................................... 97
S-103 ACCOUNT IDENTIFICATION 2 (TO) ......................................................................................... 98
S-104 HOST NET IDENTIFICATION ................................................................................................... 99
S-105 ACCOUNT BALANCE DATA .................................................................................................. 100
S-106 MULTI CURRENCY DATA..................................................................................................... 101
S-107 FINAL RRN ....................................................................................................................... 102
S-108 REGIONAL LISTING DATA/STRING MESSAGE ........................................................................ 103
S-109 MULTI ACCOUNT DATA ....................................................................................................... 104
S-110 NUMERIC MESSAGE ........................................................................................................... 105
S-111 ACCOUNT IDENTIFICATION 2 ............................................................................................... 108
S-114 MINI-STATEMENT DATA ...................................................................................................... 109
S-115 STATEMENT DATA ............................................................................................................. 110
S-116 BILLING DATA .................................................................................................................... 113
S-121 ADDITIONAL POS DATA ..................................................................................................... 114
S-122 3D-SECURE DATA ............................................................................................................. 115
S-123 MISCELLANEOUS TRANSACTION ATTRIBUTES ...................................................................... 116
S-124 MISCELLANEOUS TRANSACTION ATTRIBUTES 2 ................................................................... 125
S-125 ADMINISTRATIVE TRANSACTION DATA ................................................................................. 138
S-126 PREAUTHORIZATION PARAMETERS...................................................................................... 141
S-127 ADDITIONAL INFORMATION ................................................................................................. 142
S-128 SECONDARY MAC ............................................................................................................. 143

8
9
10
11
12

Response Codes .................................................................................................... 144


Reversal Codes ....................................................................................................... 146
Transaction Reasons (Reason field) ..................................................................... 147
BS and TCI States ................................................................................................... 148
TCI Balances and Turnovers Files Format ........................................................... 149

12.1
12.2

13

BALANCES FILE ................................................................................................................. 149


FILE OF TURNOVERS.......................................................................................................... 150

Recommendations on Processing of Chip Card Transactions .......................... 151


14(153)

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14
15

Recommendations on Processing of Contactless Card Transactions .............. 152


Recommendations on Processing of POS P2P Calculate Fee Transactions .... 153

15(153)
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1 Introduction
The protocol is designed for communication between two processing systems as well as
between the processing system and the bank system (BS, Core Banking System). In the first case,
the protocol is called TranzWare Interconnect (TIC), in the second case - TranzWare Core Banking
Interface (TCI). The data presentment format is identical for both protocols. They differ in the set of
fields.
Unlike TIC, the TCI protocol is asymmetric, therefore the request direction term is applied
for TCI. TCI-from-Host term stands for the direction from host to BS, whereas TCI-from-BS for the
direction from BS to host.
The TCI and TIC protocols are based on ISO 8583: 1987.

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2 Message Format
This specification uses the following field formats:
N

numeric decimal value


ANS
alphanumeric (Latin characters, digits and special characters) string
HEX
hexadecimal value
b

field has a binary value


For the field length, use the following format:
N5

number of 5 decimal digits


ANS..16
string including not more than 16 characters
LLVAR
field of variable length, the length is specified by two decimal digits at the
beginning of the field
Each message has the following structure:
Description

Format

Header
(see
below)
ANS8

Message
Type (see
below)
N4

Primary bit map (P0)

Other ISO8583 Message


Fields

HEX 16

...

Header format:
Header Field
Description
Field Format
Value

Start Indicator

Protocol Version

Reject Status

ANS 3
Always A4M

N2
01 original version.
02 added the field 62.
03 added the field 123,
transmitted the data of the
3D-Secure transaction
(field 122).
04 supported the dispute
transactions (chargeback,
representment)
05 supported the Statement
Print transaction
06 added the field 124
07 employed EMV format of
the tag 9F36 (Application
Transaction Counter)
08 added the field 116
09 extended the max length of
the field 62
10 changed the format of the
field 123.SD

N3
For standard message
000
For declined message, it
contains the value other
than 000 and can take on
the following values:
001 message is not of
the TIC/TCI type
197 message contains
invalid MAC
other number of the
bad field of the message

The messages can be transferred encrypted via TIC. The entire message must be encrypted. The
messages are encrypted by the 3DES algorithm in the Cipher Block Chaining (CBC) mode with zero
vector initialization. The encryption keys (EWK) must be agreed upon by the parties.

17(153)
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3 Message Types
The following Message Type Identifiers (MTI) are used for message type designation in TIC(TCI)
protocols:
0100 Authorization Request
0110 Authorization Response
0103 Balance Request (only for TCI-from-Host)
0113 Balance Response (only for TCI-from-BS)
0200 Financial Transaction Request
0210 Financial Transaction Request Response
0120 Authorization Advice
0130 Authorization Advice Response
0220 Financial Transaction Advice/ Representment*/ Adjustment Advice*
0230 Financial Transaction Advice Response/ Representment Response*/ Adjustment Advice
Response*
0320 Batch Upload Advice
0330 Batch Upload Advice Response
0420 Acquirer Reversal Advice
0430 Acquirer Reversal Advice Response
0422 Stoplist Request / PIN Verification File Update Request / Chargeback Request*
0432 Stoplist Response / PIN Verification File Update Request / Chargeback Response*
0600 Administrative Request*
0610 Administrative Response*
0620 Administrative Advice**
0630 Administrative Advice Response**
0800 Network Management Request
0810 Network Management Request Response
* For TIC only
**For TCI only
In the Reject message, the first byte in the message type is replaced with 9. E.g.: 9200 Reject to
the received request 0200. The Reject status is also specified in the Reject message header. The
response to reject is not created. In the normal mode, the Rejects do not occur. The Rejects
indicate that some problems occurred; therefore, it is required to take the appropriate measures.

18(153)
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4 Messages Processing
4.1 Processing of TIC Messages
4.1.1 Network Management Messages (0800)
4.1.1.1 Normal Mode

Acquirer
host
or
Issuer host

Issuer host
or
Acquirer
host

0800

0810

4.1.1.2 Response is not received or received late

Acquirer
host
or
Issuer host

Issuer host
or
Acquirer
host

0800

0810

0800 (repeat)

0810

If the side initiated the request does not receive the response during the specified timeout, the
request must be re-sent.

19(153)
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4.1.2 Authorization / Financial Messages (0100/0200)


4.1.2.1 Normal Mode

Acquirer
host

Issuer host

0100/0200 (Request)

0110/0210 (Response)

4.1.2.2 Response is not received or received late

Acquirer
host

Issuer host

0100/0200 (Request)

0110/0210 (Response)
OR
0110/0210 (Late response)

0420 (Reversal)

If the response (0110/0210) to the authorization or financial (0100/0200) request is not received
during the specified timeout, the request is considered unsuccessful and the acquirer host must
send reversal (0420).

20(153)
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4.1.3 Advice Messages (0120/0220)


The following transactions can be transferred as Advice:
Pre-purchase Completion;
Offline Purchase (by chip card);
SAF (Stored and Forwarded) transactions authorized by the local authorizer in case the
main host is unavailable;
Representment or adjustment.

4.1.3.1 Normal Mode

Acquirer
host

0120/0220 (Advice)

Issuer host

0130/0230 (Advice Response)

4.1.3.2 Response is not received during timeout

Acquirer
host

0120/0220 (Advice)

Issuer host

...
NO RESPONSE (0130/0230)
...

0120/0220 (Advice repeat)


...
NO RESPONSE (0130/0230)
...

0120/0220 (Advice repeat)

0130/0230 (Advice Response)

If for some reason the response to Advice is not received during the specified timeout, the acquirer
host resends the Advice until the response is received.

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4.1.4 Batch Upload Advice Messages (0320)


Only the POS TC Advice operation can be transferred as Batch Upload Advice if:
host interacts with Host Interface Application in the POS driver mode;
it is required to transfer TC Advice to adjacent TWO for the correct processing of TC Advice
initiated according to the IPS requirements.

4.1.4.1

Normal Mode
Host
Interface
Application
[POS Driver
Mode],
Acquirer
host

4.1.4.2

0320 (Batch Upload Advice)

Issuer host

0320 (Batch Upload Advice Response)

Response is not received during timeout

Host
Interface
Application
[POS Driver
Mode],
Acquirer
host

0320 (Batch Upload Advice)

Issuer host

...
NO RESPONSE (0330)
...

0320 (repeat)
...
NO RESPONSE (0330)
...

0320 (repeat)

0330 (Batch Upload Advice Response)

If for some reason the response to Batch Upload Advice is not received during the specified
timeout, the acquirer host resends the Advice until the response is received

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4.1.5 Reversal Messages (0420)


The reversal can be generated for authorization or financial transaction as well as for Advice.

4.1.5.1 Normal Mode

Acquirer
host

0420 (Reversal)

Issuer host

0430 (Reversal Response)

4.1.5.2 Response is not received during timeout

Acquirer
host

0420 (Reversal)

Issuer host

...
NO RESPONSE (0430)
...
0420 (Reversal repeat)
...
NO RESPONSE (0430)
...
0420 (Reversal repeat)

0430 (Reversal Response)

If for some reason the response to Reversal is not received during the specified timeout, the
acquirer host resends the Reversal until the response is received.

23(153)
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4.1.6 Stoplist / Chargeback Messages (0422)


4.1.6.1 Normal Mode

Issuer host

0422 (Stoplist/Chargeback request)

Acquirer
host

0432 (Stoplist/Chargeback Response)

4.1.6.2 Response is not received during timeout

Issuer host

0422 (Stoplist/Chargeback request)

Acquirer
host

0432 (Stoplist/Chargeback Response)


OR
0432 (Late Stoplist/Chargeback Response)

0422 (Stoplist/Chargeback request repeat)


OR

If for some reason the Stoplist/Chargeback response is not received during the specified timeout,
the response is considered unsuccessful and the issuer can regenerate the request. It is not
mandatory to resend the request automatically.

24(153)
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4.2 Processing of TCI Messages


4.2.1 Network Messages (0800)
4.2.1.1 Normal request / response

TWO
(or CBS)

CBS
(or TWO)

0800 (Request)

0810 (Response)

4.2.1.2 Response is not received or received late

TWO
(or CBS)

CBS
(or TWO)

0800

0810

0800 (repeat)

0810

If the side initiated the request does not receive the response during the specified timeout, the
request must be resent.

25(153)
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4.2.2 Authorization / Financial Messages (0100/0200)


4.2.2.1 Normal Mode

TWO

CBS

0100/0200 (Request)

0110/0210 (Response)

4.2.2.2 Response is not received or received late

TWO

CBS
0100/0200 (Request)

0110/0210 (Response)
OR
0110/0210 (Late response)

0420 (Reversal)

If the response (0110/0210) to the authorization or financial (0100/0200) request from TWO to CBS
is not received during the specified timeout, the request is considered unsuccessful and TWO host
must send reversal (0420).

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4.2.3 Advice Messages (0120/0220)


If CBS is unavailable, TWO switches to Stand-In authorization. In this case, the transactions are put
on the queue of delayed SAF transactions (Stored and Forwarded). SAF transactions are sent to
CBS as Advice when CBS becomes available.

4.2.3.1 Normal Mode

TWO

0120/0220 (Advice)

CBS

0130/0230 (Advice Response)

4.2.3.2 Response is not received during timeout

TWO

0120/0220 (Advice)

CBS

...
NO RESPONSE (0130/0230)
...

0120/0220 (Advice repeat)


...
NO RESPONSE (0130/0230)
...

0120/0220 (Advice repeat)

0130/0230 (Advice Response)

If for some reason CBS does not respond to the Advice request during the specified timeout, TWO
resends the Advice until the response is received.

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4.2.4 Reversal Messages (0420)


The reversal can be generated for authorization (0100) or financial transaction (0200) (e.g.,
Withdrawal, Purchase, Balance Inquiry, etc.).

4.2.4.1 Normal Mode

TWO

0420 (Reversal)

CBS

0430 (Reversal Response)

4.2.4.2 Response is not received during timeout

TWO

0420 (Reversal)

CBS

...
NO RESPONSE (0430)
...

0420 (Reversal repeat)


...
NO RESPONSE (0430)
...

0420 (Reversal repeat)

0430 (Reversal Response)

If for some reason CBS does not respond to Reversal request during the specified timeout, TWO
resends the Reversal until the response is received.

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4.2.5 Stand-In Authorization


4.2.5.1 Automatic Mode
4.2.5.1.1 Automatic Transition to Stand-In Authorization
CBS sends the Sign-off request (0800, Field 70 = 002). Having received the request, TWO sends
the response (0810) to CBS and switches to the Stand-In authorization.

TWO

CBS
0800 (Sign-off request)

0810 (Response)

4.2.5.1.2 Automatic Transition from Stand-In Authorization to Online


To switch to Online mode, CBS must send the Sign-on request (0800, Field 70 = 001) to TWO.
Having received the request, TWO sends the response (0810) to CBS and starts sending advice
transactions (0120/0220) on all operations executed in the Stand-In mode.

TWO

CBS
0800 (Sign-on request)

0810 (Response)

0120/0220 (SAF Advice)

See the method of SAF Advice sending in section 4.2.3.

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4.2.5.2 Manual Mode


4.2.5.2.1 Transition to Stand-In Authorization on TWO Operator Command.

TWO

Any requests
...

CBS

...
NO RESPONSE
...
Balance Files
Loading

Transition to
Stand-In
Authorization

Balance Files
Preparation
OR
DISCONNECTED

Balance Files Transfer

CBS does not respond to TWO requests and prepares the balances file. If Required State=2 in
the balances file, TWO automatically switches to Stand-In authorization after the file loading.
Otherwise, TWO switches to Stand-In authorization on the TWO operator command.

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4.2.5.2.2 Transition from Stand-In Authorization to Online on TWO Operator Command.


To switch to the Online mode, TWO operator must execute the appropriate command that initiates
and sends the Sign-On request to CBS. If CBS sends the response with the code 00001, the TWO
switches to the Online mode and starts sending advice transactions on all the operations executed
in the Stand-In mode.

TWO

CBS
0800 (Sign-on request)

0810 (Response, F70=00001)

0120/0220 (SAF Advice)

See the method of SAF Advice sending in section 4.2.3.

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4.3 Dynamic Key Change in TIC


Host 1

Host 2

0800, DE70=101

0810, DE70=101, DE53=<new key 1>

0800, DE70=101

0810, DE70=101, DE53=<new key 2>

0100/0200, DE52 encrypted with new key 1


0110/0210

0100/0200, DE52 encrypted with new key 2

0110/0210

1. Host1 sends the request for PIN key change.


2. Host2 generates new PIN key 1 and sends it to Host1.
3. Host2 sends request for PIN key change.
4. Host1 generates new PIN key 2 and sends it to Host2.
5. Host1 sends PIN encrypted by PIN key 1 in the outgoing requests.
6. Host2 decrypts PIN from incoming request using the PIN key 1.
7. Host2 sends PIN encrypted by PIN key 2 in the outgoing requests.
8. Host1 decrypts PIN from the incoming request using the PIN key 2.
The steps (1, 2) and (3, 4) do not depend on each other, that is hosts can initiate the key change at
any time. Thus, the system always uses different keys for incoming and outgoing requests.

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5 List of Fields
Field
P-0
P-1
P-2
P-3
P-3.1
P-3.2
P-3.3
P-4
P-6
P-7
P-10
P-11
P-12
P-13
P-18
P-19
P-22
P-23
P-25
P-26
P-28

Format
HEX 16
HEX 16
N ..19
(LLVAR)
N7
N3
N2
N2
N12
N12
N10
(MMDDHHMMSS)
N8
N6
N6
(HHMMSS)
N4
(MMDD)
N4
N3
N3
N3
N3
N4
A1+N8
N ..11 (LLVAR)

P-32
N ..11 (LLVAR)
P-33
P-35
P-37
P-38

ANS ..37 (LLVAR)


ANS12
ANS6

P-39

N5

P-41

ANS ..49(LLVAR)

P-43
P-43.1
P-43.2
P-43.3
P-43.4
P-43.5
P-43.6
P-43.7
P-43.8
P-43.9
P-43.10
P-43.11
P-43.12
P-43.13
P-43.14

ANS 222
ANS 30
ANS 30
N3
N3
ANS 30
ANS 30
ANS 30
N3
N8
ANS 10
ANS 4
ANS 25
N3
N9

Description
Primary bit map
Secondary bit map
Primary account number
Processing code
Transaction code
From account type
To account type
Transaction amount
Cardholder billing amount
Transmission date and time

Respective TW Online
Transaction Log Field

PAN

TRANCODE
FROMACCTTYPE
TOACCTTYPE
AMOUNT
AMOUNTACCT

Conversion rate, cardholder billing


System trace audit number
Local transaction time

ORIGTIME

Local transaction date

ORIGTIME

Merchant category code


Acquiring institution country code
Point of service entry mode
Card sequence number
Point of service condition code
Message reason code
Acquirer fee amount
Acquiring institution identification
code
Forwarding institution identification
code
Track 2 data
Retrieval reference number
Authorization identification
response
Response code

TERMSIC
TERMINSTCOUNTRY
POSENTRYMODE
CARDMEMBER
POSCONDITION
REASON
FEE
TERMINSTID

Card acceptor terminal


identification
Card acceptor name/location
Terminal owner
Terminal city
Terminal state
Terminal country
Terminal address
Terminal branch
Terminal region
Terminal class
Terminal date
Terminal payment system name
Terminal financial institution name
Terminal retailer name
Terminal county
Terminal zip code

TRACK2
TRANNUMBER
APPROVALCODE
RESPCODE, RETAINCARD,
REASON, ICC_RESPCODE
TERMNAME

TERMOWNER
TERMCITY
TERMSTATE
TERMCOUNTRY
TERMLOCATION
TERMBRANCH
TERMREGION
TERMCLASS
TERMDATE
TERMPSNAME
TERMFINAME
TERMRETAILERNAME
TERMCOUNTY
TERMZIP
33(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE
Field

Format

Description

P-43.15
P-44
P-44.1
P-44.2
P-45
P-48
P-48.1
P-48.2
P-49
P-51
P-52
P-53
P-54
P-55

N4
ANS2
ANS1
ANS1
ANS ..76 (LLVAR)
ANS 31
ANS 12
ANS 19
N3
N3
HEX 16
b48
N12
b..255 (LLLVAR)

Terminal time offset


PIN/CVV verification result
PIN verification result
CVV/CVV2 verification result
Track 1 data
Reference to other transaction
Other transactions RRN
Other transactions PAN
Transaction currency code
Cardholder billing currency code
Personal identification number
Security-related control information
Adjustment amount
ICC system-related data

P-61
P-61.1
P-61.2
P-62
P-63
P-64

ANS 14
ANS 4
ANS 10
ANS..100 (LLLVAR)
HEX 16
HEX 16
N3

Card issuer data


Issuing institution name
Issuing payment system name
External transaction attributes
New Pin
MAC
Network management information
code
Replacement amount data
Replacement amount
Replacement original amount
Receiving institution identification
code
Account identification 1
Account identification 2
Host net identification
Current account balances
Ledger balance
Available balance
1- balance in account currency, 0balance in transaction currency

P-70
S-95
S-95.1
S-95.2
S-100
S-102
S-103
S-104
S-105
S-105.1
S-105.2

N24
N12
N12
N ..11 (LLVAR)
ANS ..30 (LLVAR)
ANS ..30 (LLVAR)
N4
N25
N12
N12
N1

S-105.3

Respective TW Online
Transaction Log Field
TERMTIMEOFFSET
PINOK
CVVOK
TRACK1

CURRENCY
CURRENCYACCT
PIN
AMOUNT2
ICC_APPPROFILE
ICC_TVR
ICC_TRANDATE
ICC_TRANTYPE
ICC_CURRENCY
ICC_AMOUNT
ICC_CBAMOUNT
ICC_ISSUERDATA
ICC_TERMCOUNTRY
ICC_TERMSN
ICC_CRYPTOGRAM
ICC_CRYPTINFORMDATA
ICC_TERMCAPS
ICC_APPTRANCOUNT
ICC_RANDOM
ICC_TERRMTRANCOUNT
ICC_ISSUERSCRIPT1
ICC_ISSUERSCRIPT2
ICC_IAD
ICC_CARDMEMBER
ICC_ISSUERSCRIPTRESUL
TS
AUTHFINAME
AUTHPSNAME
EXTTRANATTR
NEWPIN

REVACTUALAMOUNT
REVACTUALAMOUNTORIG
RECVINSTID
FROMACCT
TOACCT
HOSTNETID
LEGERBALANCE
AVAILBALANCE
BALANCECURRENCYACCT

34(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE
Field
S-106
S-106.1
S-106.2
S-106.3
S-106.4

Format

Description

N46
N3
N3
N12

Multi currency data


TO account currency
Original currency
Amount placed to destination(TO)
account in TO account currency
Original amount
Transaction currency to source
account currency exchange rate
Transaction currency to destination
account currency exchange rate
RRN (F37) sent to final
interchange
Regional listing data/String
message
Multi account data
Length
Direction: 1-from, 2-to
Account number
Account title
Account currency
Numeric message
Payment personal attributes, e.g.
phone number or personal account
number
Mini-statement data
Statement data

N12
N8

S-106.5
N8
S-106.6
ANS 12
S-107
S-108
S-109
S-109.1
S-109.2
S-109.3
S-109.4
S-109.5
S-110

S-111
S-114
S-115
S-116
S-121
S-121.1
S-121.2

ANS ..999
(LLLVAR)
ANS ..593 (LLLVAR)
N3
N1
N30
ANS 25
N3
N ..9 (LVAR)
ANS ..99 (LLVAR)

ANS ..250 (LLLVAR)


ANS ..99999
(LLLLLVAR)
ANS ..99999
(LLLLLVAR)
ANS 47
N2
N1

S-121.3
S-121.4
S-121.5
S-121.6
S-122
S-122.1
S-122.2
S-122.3
S-122.4
S-123
S-124
S-125
S-126

N3
ANS 16
ANS 16
ANS 9
ANS 48
N3
N1
N4
ANS 40
ANS..999
(LLLVAR)
ANS..99999
(LLLLLVAR)
ANS..99999
(LLLLLVAR)
ANS 34
ANS16

S-126.1
ANS 9
S-126.2
ANS 9
S-126.3

Respective TW Online
Transaction Log Field
CURRENCYACCTTO
CURRENCYORIG
AMOUNTACCTTO
AMOUNTORIG
EXCHANGERATEACCT
EXCHANGERATEACCTTO
FINALRRN
TEXTMESS

TYPE
ACCT
TITLE
CURRENCY
MESSAGE
TOACCT2

STATEMENT

Billing data
Additional POS data
POS-transaction category
The mode of receiving
transactions from terminal
CVV2
Terminal clerk ID
Invoice number
POS batch and shift data
3D-secure data
CAVV
Authentication results code
Unpredictable number
Merchant transaction ID
Misc. transaction attributes
For the field description, see p. 5
Misc. Transaction Attributes 2
For the field description, see p. 5.
Administrative Transaction Data
Pre-authorization parameters
Original transaction invoice
number
Original number to complete preauthorization
Duration of the pre-authorization
hold, min

TRANCATEGORY
DRAFTCAPTURE
CVV2
CLERK
INVOICENUM
SEQNUM
CAVV
ECAUTHRESULTCODE
ECAUTHTRACKNUM
ECTRANID
CAVVOK, TERMMAXPIN,
ISSUERFEE
AUTHRESPTEXT,
DECLINEREASON

ORIGINALINVOICENUM
ORIGINALSEQNUM
PREAUTHHOLD

35(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE
Field

S-127
S-128

Format
ANS ..99999
(LLLLLVAR)
HEX 16

Description

Respective TW Online
Transaction Log Field

Additional information
MAC

36(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

6 Fields in Various Message Types


M
C
D
O
ME
CE
DE
OE
M*
C*
D*
O*
M1
M1E
M1*
D1
D1E
O1
O1E

Mandatory
Conditional
Desirable (information is transferred in case it is available for the sender)
Optional
Mandatory echo
Conditional echo
Desirable echo
Optional echo
Mandatory from the original transaction
Conditional from the original transaction
Desirable from the original transaction
Optional (transferred only from the original transactions)
Mandatory to transfer to TCI (TranzWare Corebanking Interface)
Mandatory echo for TCI
Mandatory from an original transaction to TCI
Desirable to transfer to TCI (TranzWare Corebanking Interface)
Desirable echo for TCI
Optional for TCI
Optional echo for TCI

37(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

6.1 Use of Fields in TIC and TCI-from-Host


6.1.1 Authorization (100/110), Balance (103/113), Financial (200/210),
Authorization Advice (120/130), Financial Advice (220/230), Batch
Upload Advice (320/330)*
TLG

PAN
TRANCODE
FROMACCTTYPE
TOACCTTYPE
AMOUNT
AMOUNTACCT

ORIGTIME
ORIGTIME
TERMSIC
TERMINSTCOUNTRY
POSENTRYMODE
CARDMEMBER
POSCONDITION
FEE
TERMINSTID
TRACK2
TRANNUMBER
APPROVALCODE
RESPCODE
TERMNAME
TERMOWNER
TERMCITY
TERMSTATE
TERMCOUNTRY
TERMLOCATION
TERMBRANCH
TERMREGION
TERMCLASS
TERMDATE
TERMPSNAME
TERMFINAME
TERMRETAILERNAME
TERMCOUNTY
TERMZIP
TERMTIMEOFFSET
PINOK
CVVOK

Field
P-0
P-1
P-2
P-3
P-3.1
P-3.2
P-3.3
P-4
P-6

P-7
P-10
P-11
P-12
P-13
P-18
P-19
P-22
P-23
P-25
P-28
P-32
P-33
P-35
P-37
P-38
P-39
P-41
P-43
P-43.1
P-43.2
P-43.3
P-43.4
P-43.5
P-43.6
P-43.7
P-43.8
P-43.9
P-43.10
P-43.11
P-43.12
P-43.13
P-43.14
P-43.15
P-44
P-44.1
P-44.2

100,
103

110,
113

200

210

120

130

220

230

O
M

O
ME

O
M

O
ME

O
M

O
ME

O
M

O
ME

C
C,
D1

C
CE,
D,
D1E
ME
CE
ME
OE
OE
OE
OE
OE
DE
OE
OE
ME
CE
ME
ME
C
M
OE
OE

C
C,
D1

C
CE,
D,
D1E
ME
CE
ME
OE
OE
OE
OE
OE
DE
OE
OE
ME
CE
ME
ME
C
M
OE
OE

C
C,
D1

CE
CE,
D1,
D1E
ME
CE
ME
OE
OE
OE
OE
OE
DE
OE
OE
ME
CE
ME
ME
OE
M
OE
OE

C
C,
D1

CE
CE,
D1,
D1E
ME
CE
ME
OE
OE
OE
OE
OE
DE
OE
OE
ME
CE
ME
ME
OE
M
OE
OE

M
C
M
C
C
M
D
M
D
D
C
M
C
M
M

D
M
D
D
D
D
D
D
D
M
D
M
M
D
D
D
D
D

M
C
M
C
C
M
D
M
D
D
C
M
C
M
M

D
M
D
D
D
D
D
D
D
M
D
M
M
D
D
D
D
D

M
C
M
C
C
M
D
M
D
D
C
M
C
M
M
D*
C
D
M
D
D
D
D
D
D
D
M
D
M
M
D
D
D
D
D

OE

M
C
M
C
C
M
D
M
D
D
C
M
C
M
M
D*
C
D
M
D
D
D
D
D
D
D
M
D
M
M
D
D
D
D
D

OE

38(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE
TLG
TRACK1

CURRENCY
CURRENCYACCT

PIN
AMOUNT2
ICC_APPPROFILE
ICC_TVR
ICC_TRANDATE
ICC_TRANTYPE
ICC_CURRENCY
ICC_AMOUNT
ICC_CBAMOUNT
ICC_ISSUERDATA
ICC_TERMCOUNTRY
ICC_TERMSN
ICC_CRYPTOGRAM
ICC_CRYPTINFORMDATA
ICC_TERMCAPS
ICC_APPTRANCOUNT
ICC_RANDOM
ICC_TERMTRANCOUNT
ICC_ISSUERSCRIPT1
ICC_ISSUERSCRIPT2
ICC_IAD
ICC_CARDMEMBER
ICC_ISSUERSCRIPTRESULTS
ICC_RESPCODE

Field
P-45
P-48
P-48.1
P-48.2
P-49
P-51

P-52
P-53
P-54
P-55
PDS 82
PDS 95
PDS 9a
PDS 9c
PDS 5f2a
PDS 9f02
PDS 9f03
PDS 9f10
PDS 9f1a
PDS 9f1e
PDS 9f26
PDS 9f27
PDS 9f33
PDS 9f36
PDS 9f37
PDS 9f41
PDS 71
PDS 72
PDS 91
PDS 5f34
PDS 9f5b
P-39
P-61

AUTHFINAME
AUTHPSNAME
EXTTRANATTR

P-61.1
P-61.2
P-62

NEWPIN

REVACTUALAMOUNT
REVACTUALAMOUNTORIG
RECVINSTID
FROMACCT

P-63
P-64
P-70
S-95
S-95.1
S-95.2
S-100
S-102

TOACCT

S-103

HOSTNETID

S-104

LEGERBALANCE
AVAILBALANCE
BALANCECURRENCYACCT

S-105
S-105.1
S-105.2
S-105.3

100,
103
D
D
D
D
M
C,
D1

110,
113
DE

ME
CE,
D,
D1E
OE

OE

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

200

210

120

130

220

230

D
D
D
D
M
C,
D1

DE

D
D
D
D
M
C,
D1

DE

DE

OE
CE,
D1E

D
D
D
D
M
C,
D1

OE

OE

ME
CE,
D,
D1E
OE

OE

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

C
C
D1

C
C
C

D,
D1
D,
D1
D

OE
CE,
D1E

C
C
C
C
C

C
,
O1E

C,
D1
OE
C

D
D,
D1E
D,
D1E
D,
O1E
C
C
C

D1

C
C
C

D,D
1
D,
D1
D

C
,
O1E

C
D1

C,
D1
OE
C

D1

D1

C
C

C
C

D,
D1
D,
D1
D

OE,
D1E
OE,
D1E
OE

D,
D1
D,
D1
D

OE,
D1E
OE,
D1E
OE

D
D,
D1E
D,
D1E
D,
O1E
C
C
C

,
O1E

D1
D1
D1

C
D1

,
O1E

D1
D1
D1
39(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE
TLG

CURRENCYACCTTO
CURRENCYORIG
AMOUNTACCTTO
AMOUNTORIG
EXCHANGERATEACCT
EXCHANGERATEACCTTO
FINALRRN
TEXTMESS

TYPE (TLG _AcctList)


ACCT (TLG _AcctList)
TITLE (TLG _AcctList)
CURRENCY (TLG _AcctList)
MESSAGE
TOACCT2
STATEMENT

TRANCATEGORY
DRAFTCAPTURE
CVV2
CLERK
INVOICENUM
SEQNUM
CAVV
ECAUTHRESULTCODE
ECAUTHTRACKNUM
ECTRANID

ORIGINALINVOICENUM
ORIGINALSEQNUM
PREAUTHHOLD

Field
S-106
S-106.1
S-106.2
S-106.3
S-106.4
S-106.5
S-106.6
S-107
S-108
S-109
S-109.1
S-109.2
S-109.3
S-109.4
S-109.5
S-110
S-111
S-114
S-115
S-116
S-121
S-121.1
S-121.2
S-121.3
S-121.4
S-121.5
S-121.6
S-122
S-122.1
S-122.2
S-122.3
S-122.4
S-123
S-124
S-126
S-126.1
S-126.2
S-126.3
S-127
S-128

100,
103

110,
113

200

210

120

D1
D
D1
D
D1
D1

D1
D
D1
D
D1
D1

D1
D
D1
D
D1
D1

C
C

D
D
D
D
C
C

C
OE
C
C
C
OE

C
C

D
D
D
D
C
C

C
OE
C
C
C
OE

130

C
C
D

C
C
OE

C
C
D

C
C
OE

C
C

C
C

230

D1
D
D1
D
D1
D1

O1

O1E

O1

O1E

O1
C

O1E
OE

O1
C

O1E
OE

OE

OE

220

C
C

C
C

C
C

C
C

* The use of fields in the Batch Upload Advice (320/330) messages is similar to that in the
Authorization (100/110), Financial (200/210) messages.

40(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

6.1.2 Acquirer Reversal Advice (420/430), Chargeback


Representment (220/230), Adjustment (220/230)

(422/432),

TLG

PAN
TRANCODE
FROMACCTTYPE
TOACCTTYPE
AMOUNT
AMOUNTACCT

ORIGTIME
ORIGTIME
TERMSIC
TERMINSTCOUNTRY
POSENTRYMODE
CARDMEMBER
POSCONDITION
REASON
FEE
TERMINSTID
TRACK2
TRANNUMBER
APPROVALCODE
RESPCODE
TERMNAME
TERMOWNER
TERMCITY
TERMSTATE
TERMCOUNTRY
TERMLOCATION
TERMBRANCH
TERMREGION
TERMCLASS
TERMDATE
TERMPSNAME
TERMFINAME
TERMRETAILERNAME
TERMCOUNTY
TERMZIP
TERMTIMEOFFSET
TRACK1
CURRENCY
CURRENCYACCT
AMOUNT2
ICC_APPPROFILE

Field
P-0
P-1
P-2
P-3
P-3.1
P-3.2
P-3.3
P-4
P-6
P-7
P-10
P-11
P-12
P-13
P-18
P-19
P-22
P-23
P-25
P-26
P-28
P-32
P-33
P-35
P-37
P-38
P-39
P-41
P-43
P-43.1
P-43.2
P-43.3
P-43.4
P-43.5
P-43.6
P-43.7
P-43.8
P-43.9
P-43.10
P-43.11
P-43.12
P-43.13
P-43.14
P-43.15
P-45
P-49
P-51
P-54
P-55
PDS 82

420

430

422

432

220

230

O
O*

O
O

M
M

ME

O
M

O
ME

C*
O,
D1
M
C
M*
O
O
O*
O*
O*
D*
O*

CE
OE,
D1E
ME
CE
ME
OE
OE
OE

O*
M*
O
M*
M*
D*
M
D*
O*

OE
ME
O
ME
ME
OE
M
OE
OE

D*
M*
C,
D1*
C*

OE
DE
OE

DE
OE
CE,D
1E
OE

ME

ME

ME

M
M
M

ME

M
M
M
M
M
M

ME
ME
ME
ME
ME
ME

M
M
C
M
C

ME
ME
CE
C
CE

M
M
C
M
O

ME
ME

M
C

ME

ME

M
M
M

M
ME
ME
ME

M
M
M

M
ME
ME
ME

ME

ME

ME

OE

ME

41(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE
TLG
ICC_TVR
ICC_TRANDATE
ICC_TRANTYPE
ICC_CURRENCY
ICC_AMOUNT
ICC_CBAMOUNT
ICC_ISSUERDATA
ICC_TERMCOUNTRY
ICC_TERMSN
ICC_CRYPTOGRAM
ICC_CRYPTINFORMDATA
ICC_TERMCAPS
ICC_APPTRANCOUNT
ICC_RANDOM
ICC_TERMTRANCOUNT
ICC_ISSUERSCRIPT1
ICC_ISSUERSCRIPT2
ICC_IAD
ICC_CARDMEMBER
ICC_ISSUERSCRIPTRESULTS
ICC_RESPCODE
AUTHFINAME
AUTHPSNAME
EXTTRANATTR
NEWPIN

REVACTUALAMOUNT
REVACTUALAMOUNTORIG
FROMACCT
TOACCT
HOSTNETID
LEGERBALANCE
AVAILBALANCE
BALANCECURRENCYACCT
CURRENCYACCTTO
CURRENCYORIG
AMOUNTACCTTO
AMOUNTORIG
EXCHANGERATEACCT
EXCHANGERATEACCTTO
FINALRRN
TEXTMESS
MESSAGE

TRANCATEGORY
DRAFTCAPTURE
CVV2
CLERK
INVOICENUM

Field
PDS 95
PDS 9a
PDS 9c
PDS 5f2a
PDS 9f02
PDS 9f03
PDS 9f10
PDS 9f1a
PDS 9f1e
PDS 9f26
PDS 9f27
PDS 9f33
PDS 9f36
PDS 9f37
PDS 9f41
PDS 71
PDS 72
PDS 91
PDS 5f34
PDS 9f5b
P-39
P-61
P-61.1
P-61.2
P-62
P-63
P-64
P-70
S-95
S-95.1
S-95.2
S-102
S-103
S-104
S-105
S-105.1
S-105.2
S-105.3
S-106
S-106.1
S-106.2
S-106.3
S-106.4
S-106.5
S-106.6
S-107
S-108
S-110
S-121
S-121.1
S-121.2
S-121.3
S-121.4
S-121.5

420
C

430

422

432

220

230

ME

ME

C
O1

O1E

D1*

O1E

OE

D1*
D1*
D*

D1E
D1E
OE
D1
D1
D1

D1*
D*
D1*
D*
D1*
D1*
D1*
O1
C*,
O1
O*

O1E
OE,
O1E
OE

42(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE
TLG
SEQNUM
CAVV
ECAUTHRESULTCODE
ECAUTHTRACKNUM
ECTRANID

Field
S-121.6
S-122
S-122.1
S-122.2
S-122.3
S-122.4
S-123
S-124
S-128

420

430

422

C
C

432

220

230

O*

C
C

43(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

6.1.3 Stoplist (422/432)


TLG

PAN
TRANCODE
FROMACCTTYPE
TOACCTTYPE

CARDMEMBER
REASON
TRACK2
RESPCODE
EXTTRANATTR
HOSTNETID
TEXTMESS

Field
P-0
P-1
P-2
P-3
P-3.1
P-3.2
P-3.3
P-7
P-11
P-23
P-26
P-35
P-39
P-62
S-104
S-108
S-123
S-128

422

432

O
M

O
ME

M
M
D
C
M

ME
ME
DE
C
ME
M
C
ME
C
C
C

C
M
C
C
C

44(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

6.1.4 PIN Verification File Update (422/432)


TLG

PAN
TRANCODE*
FROMACCTTYPE
TOACCTTYPE

CARDMEMBER
TRACK2
TRANNUMBER
RESPCODE
HOSTNETID
TEXTMESS
NEWPVV

Field
P-0
P-1
P-2
P-3
P-3.1
P-3.2
P-3.3
P-7
P-11
P-23
P-35
P-37
P-39
S-104
S-108
S-123
S-123.NP
S-123.PVT
S-128

422

432

O
M

O
ME

M
M
D
D
M

ME
ME
DE
DE
ME
M
ME
C

M
C
M

* Available transaction codes: 81 PIN Change, 139 POS PIN Change, 461 - Admin Change
Card PVV.

45(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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6.1.5 Address Verification File Update (422/432)


TLG

PAN
TRANCODE*
FROMACCTTYPE
TOACCTTYPE

CARDMEMBER
TRANNUMBER
RESPCODE
HOSTNETID
TEXTMESS
CUSTOMERADDRESS

Field
P-0
P-1
P-2
P-3
P-3.1
P-3.2
P-3.3
P-7
P-11
P-23
P-37
P-39
S-104
S-108
S-123
S-123.CA
S-128

422

432

O
M

O
ME

M
M
D
M

ME
ME
DE
ME
M
ME
C

M
C
M
C

* Available transaction code: 463 - Admin Change Customer Address.

46(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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6.1.6 Administrative (600/610)


TLG

PAN
TRANCODE
FROMACCTTYPE
TOACCTTYPE
AMOUNT

ORIGTIME
ORIGTIME
TERMSIC
TERMINSTCOUNTRY
POSENTRYMODE
CARDMEMBER
POSCONDITION
TERMINSTID
TRACK2
TRANNUMBER
APPROVALCODE
RESPCODE
TERMNAME
TERMOWNER
TERMCITY
TERMSTATE
TERMCOUNTRY
TERMLOCATION
TERMBRANCH
TERMREGION
TERMCLASS
TERMDATE
TERMPSNAME
TERMFINAME
TERMRETAILERNAME
TERMCOUNTY
TERMZIP
TERMTIMEOFFSET
TRACK1
CURRENCY
FROMACCT
TOACCT
CURRENCYACCTTO
CURRENCYORIG
AMOUNTACCTTO
AMOUNTORIG
EXCHANGERATEACCT
EXCHANGERATEACCTTO
TEXTMESS

Field
P-0
P-1
P-2
P-3
P-3.1
P-3.2
P-3.3
P-4
P-7
P-11
P-12
P-13
P-18
P-19
P-22
P-23
P-25
P-32
P-33
P-35
P-37
P-38
P-39
P-41
P-43
P-43.1
P-43.2
P-43.3
P-43.4
P-43.5
P-43.6
P-43.7
P-43.8
P-43.9
P-43.10
P-43.11
P-43.12
P-43.13
P-43.14
P-43.15
P-45
P-49
P-64
S-102
S-103
S-106
S-106.1
S-106.2
S-106.3
S-106.4
S-106.5
S-106.6
S-108

600

610

O
M

O
ME

C
M
M
C
C
C
D
C
D
D
C
C
C
M

CE
ME
ME
OE
OE
OE
OE
OE
DE
OE
CE
CE
CE
ME
C
M
OE
OE

D
M
D
D
D
D
D
D
D
M
D
M
M
D
D
D
D
D
M
C
D
D

DE
ME
C
DE
DE

D
D

47(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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TLG
MESSAGE
TOACCT2

Field
S-110
S-111
S-123
S-124
S-128

600
C
C
C
C
C

610
C
OE
C
C
C

48(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

6.1.7 Administrative Advice (620/630)


TLG

TRANCODE
FROMACCTTYPE
TOACCTTYPE

ORIGTIME
ORIGTIME
TERMSIC
TERMINSTCOUNTRY
TERMINSTID
TRANNUMBER
RESPCODE
TERMNAME
TERMOWNER
TERMCITY
TERMSTATE
TERMCOUNTRY
TERMLOCATION
TERMBRANCH
TERMREGION
TERMCLASS
TERMDATE
TERMPSNAME
TERMFINAME
TERMRETAILERNAME
TERMCOUNTY
TERMZIP
TERMTIMEOFFSET

Field
P-0
P-1
P-3
P-3.1
P-3.2
P-3.3
P-7
P-11
P-12
P-13
P-18
P-19
P-32
P-33
P-37
P-39
P-41
P-43
P-43.1
P-43.2
P-43.3
P-43.4
P-43.5
P-43.6
P-43.7
P-43.8
P-43.9
P-43.10
P-43.11
P-43.12
P-43.13
P-43.14
P-43.15
S-123
S-125
S-128

620

630

ME

M
M
M
M
C
D
C
C
M

ME
ME
OE
OE
OE
OE
CE
CE
ME
M
OE
OE

D
M
D
D
D
D
D
D
D
M
D
M
M
D
D
D
D
C
C
C

49(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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6.1.8 Network Management (800/810)


Field
P-0
P-1
P-7
P-11
P-39
P-53
P-70

800

810

M
M

ME
ME
M
C
ME

50(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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6.2 Use of Fields in TCI-from-BS


TWO Attribute

TRANCODE
FROMACCTTYPE
TOACCTTYPE
AMOUNTACCT
TIME
ORIGTIME
ORIGTIME
TRANNUMBER
RESPCODE
CURRENCYACCT
FROMACCT
TEXTMESS
MESSAGE

Field
P-0
P-1
P-3
P-3.1
P-3.2
P-3.3
P-6
P-7
P-11
P-12
P-13
P-37
P-39
P-51
P-70
S-102
S-108
S-110

120

130

220

230

ME

ME

M
M
M
D
D
M

M
M
M
D
D
M

ME
ME
ME
OE
OE
ME
M
OE

ME
ME
ME
OE
OE
ME
M
OE

M
D
D

ME
OE
OE

M
D
D

ME
OE
OE

800

810

M
M

ME
ME

M
M

ME

51(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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7 Fields Definition
P-0 Primary Bit Map
Format:

HEX 16

Consists of 64 bits, each of them indicating presence (1) or absence (0) of the field in the
range from the 1st to the 64th in the message. Sixty four bits are converted to sixteen digits:
four bits in one hexadecimal digit.
It is present in any message.

52(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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P-1 Secondary Bit Map


Format:

HEX 16

The second bit map. It indicates the absence or presence of the fields from the 65th to the
128th. It is present if there is at least one of the fields from this range.

53(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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P-2 PAN
Format:

N ..19(LLVAR)

Primary account number is optional as it is included in the first/second track. It may be


specified in all messages to the exclusion of the network management.

54(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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P-3 Processing Code


Format: N7
Includes the description of the transaction code as well as the FROM/TO-account type.
Consists of the following subfields:
3.1 Transaction code
(N3) - Transaction code (see below)
3.2 From account type (N2) - Source account type
3.3 To account type
(N2) - Destination account type
Account type values: 00 unknown, 01 checking, 11 savings, 31 credit, 91 bonus.
In the Get BackOffice Information transactions, subfield 3.3 (To account type) contains ID
type of the requested information;
1 account number (account is specified in the FromAcct field);
2 card PAN||'-'||MBR (PAN, CardMember fields are card number);
<other value> see the identifier in the ToAcct field.
It is mandatory for the 100,200,120,220,422 requests. The responses should contain the
same values as requests. For reversal, this field is optional, the respective value is obtained
from the original transaction.

Transaction Codes for TIC and TCI-from-Host


Transaction Code
Description

* for TIC
** for TCI

ATM Transactions
10
20
30
31
40
42
43
50
52
53*
55*
58
60
61
62
63
64
65
66*
67*
68*
70
71
72
74

Withdrawal
Deposit
Balance Inquiry
Transfer Data Inquiry
Transfer
ATM Transfer Debit
ATM Transfer Credit
Payment
ATM Payment Debit
ATM Payment Credit
ATM Bills Request
Payment return
Message to Financial Institution
User Defined
ATM PrepaidCode
ATM P2P Debit
ATM P2P Credit
ATM P2P Transfer
ATM Precheck
ATM Confirmation
ATM Payment Request
Statement Print
Mini-Statement Print
Card Statement
ATM Prepaid Debit

55(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE
Transaction Code
Description

* for TIC
** for TCI

75*
77
81
82
85
87
90
91**
92**
93**
95**
96**
97**
98**
99**
100**
101**
POS Transactions
110
111
112
113
114
115
116
117
118
121
122
123
125
126
127
130
131
132
133
134
137
138
139
140
141
142
143*
144*
145*
147

ATM Prepaid Credit


ATM Card Cash Payment
PIN Change
Internet PIN Change via ATM
Create Virtual Card
PIN Unblock
Check PIN for Admin. Card
ATM Balancing
ATM Cutover
ATM Cutover and Balancing
Adjust ATM Hopper
Decrease ATM Hopper
Increase ATM Hopper
Decrease ATM CashIn Hopper
Adjust ATM Coins
Decrease ATM Coins
Increase ATM Coins
Normal Purchase
Preauthorization Purchase
Preauthorization Purchase Completion
Mail/Phone Order
Merchandise Return
Cash Advance
Card Verification
POS Balance Inquiry
Purchase with Cashback
Purchase Adjustment
Merchandise Return Adjustment/ Deposit Adjustment
Cash Advance Adjustment
Purchase Cancelation
Message To Financial Institution
Cardless Cash Advance
Quasi-Cash
POS PrepaidCode
POS P2P Debit
POS P2P Credit
POS P2P Calculate Fee
POS Transfer
POS Mini-Statement Print
POS PIN Change
POS Deposit
POS Deposit Adjustment
POS Payment
POS Precheck
POS Confirmation
POS Payment Request
POS Transfer Debit
56(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE
Transaction Code
* for TIC
** for TCI

Description

148
POS Transfer Credit
162**
Close Day
172
POS Prepaid Debit
173*
POS Prepaid Credit
176
POS Payment Debit
177*
POS Payment Credit
181
POS Accumulate Bonus
182
POS Redeem Bonus
185
POS Calculate Fee
196
POS TC Advice
Interchange Transactions
201
Debit Adjustment
202
Credit Adjustment
220*
Add Card to Stoplist
221*
Delete Card from Stoplist
222*
Modify Stoplist
223*
Inquiry Stoplist
224*
Add Region to Stoplist
225*
Modify Region in Stoplist
226*
Delete Region from Stoplist
Telebank Transactions
303
Telebank Operation History
336
Create Virtual Card
347
Get Back Office Information to Telebank
351
Telebank Transfer
352
Telebank Payment
353
Telebank Prepaid Code
354
Telebank Outside Transfer
355
Telebank P2P Debit
356
Telebank P2P Credit
357*
Telebank Precheck
358*
Telebank Confirmation
359*
Telebank Payment Request
363
Telebank Card Statement
369
Telebank Transfer Debit
370
Telebank Transfer Credit
383
Telebank Payment Debit
384*
Telebank Payment Credit
386
Telebank Prepaid Debit
387
Telebank Prepaid Credit
E-Commerce-Transactions (3-D Secure)
601
3-D Secure Verify Enrollment
602
3-D Secure Payer Authentication
603
3-D Secure Check Proxy PAN
604
3-D Secure Get Enrolled
605
3-D Secure Get Dynamic Authentication Address List
57(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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Transaction Code
Description

* for TIC
** for TCI

606
607
611
621
622
Admin-Transactions
441*
443
FIMI-Transactions
591
800
CMS Transactions
701
703
751
752*
353*
354*
358*

3-D Secure Add Abonent


3-D Secure Update Abonent
3-D Secure Change Authentication Data
3-D Secure Generate Dynamic Password
3-D Secure Change EC Status
Receive Prepaid Code
Change EC Status
Get Back Office Information
FIMI Balance Inquiry
CMS Payment
Customer messaging on accounts balance
CMS Payment Debit
CMS Payment Credit
CMS Payment Precheck
CMS Payment Confirmation
CMS Payment Request

Transaction Codes for TCI-from-BS


Transaction Code

021
022
023
024
025
026

Description

Increase Both Balances (ledger and available)


Increase Available Balance
Increase Ledger Balance
Decrease Both Balances
Decrease Ledger Balance
Decrease Available Balance

58(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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P-4 Transaction Amount


Format:

N12

Includes the transaction amount together with the acquiring fee in the transaction currency
(field p-49). The amount is specified in the currency min units.
The transaction amount is specified in all messages to the exclusion of the network ones
and Stoplist transactions, on condition that the current transaction contains the amount.
For the transactions received from payment systems (VISA, MasterCard, etc.), this field
transfers the amount in the payment system billing currency.
The Telebank Operation History and Telebank Card Statement transactions can contain the
min amount of operations included in the operations history.
In case of partial authorization or authorization only for the Purchase amount (the Purchase
With Cashback transaction), it can contain the value (in the messages 110, 210) different
from that contained in the messages 100, 200.

59(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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P-6 Cardholder Billing Amount


Format:

N12

Includes the transaction amount with the acquiring fee in the account currency (field P-51).
The amount is specified in the currency min units.
If possible, it is included into messages 110 and 210. In the message 420, it is optional.
It can be included in the messages 100, 200, 120, 220 and 420 if the transaction currency is
converted to the cardholder settlement currency.
It is included in all TCI-from-Host requests, if known. The response obtains value from
request.

60(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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P-7 Transmission Greenwich Time


Format:

N10(MMDDHHMMSS)

Date and time when transaction was transferred (Greenwich Mean Time).
It must be specified in all transactions, the response obtains values from the request.

61(153)
COMPASS PLUS
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P-10 Conversion Rate, Cardholder Billing


Format: N8
Conversion rate of the account currency (P-51) to the transaction currency (P-49).
For the conversion rate, the following format of converting the real number to the integer one
is applied: the first character stands for the number of positions after decimal point. The next
seven characters stand for the value itself (e.g.: the number 12,345 is converted to
30012345).
It can be transferred in the messages 100, 200, 120, 220 and 420 if transaction currency is
converted to the original currency.

62(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

P-11 System Trace Audit Number


Format:

N6

The unique number assigned by the transaction originator. It serves to identify messages of
the same transaction (request-response, reversal-reversal confirmation, etc.). This is the
reason why it is duplicated in all transaction messages of the same transaction.
The field is mandatory for all message types.
For the messages 800 (Network Management Request), the nonunique value is allowed.

63(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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P-12 Local (Terminal) Transaction Time


Format: N6 (HHMMSS)
Includes the terminal local time.
If available, it is specified in the messages 100, 200, 120, 220. It is duplicated in the
messages 110, 210, 130, 230 and it is optional for them. It is also optional for the messages
420 and 430.

64(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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P-13 Local (Terminal) Transaction Date


Format: N4 (MMDD)
Includes the terminal local date.
If available, it is specified in the messages 100,200,120,220. It is duplicated in the messages
110, 210, 130, 230 and it is optional for them. It is optional for messages 420 and 430.

65(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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P-18 SIC
Format: N4
Includes Standard Industrial Classification (SIC) or Merchant Category Code (MCC) for the
enterprise where the transaction was initiated.
The field is mandatory for the messages 100, 200,120, 220. In the messages 110, 210, 130,
230. the value is optional and copied from the request. In the messages 420, 430, the value
is obtained from the original transaction and it is optional.

66(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

P-19 Acquiring Institution Country Code


Format: N3
Includes the acquirer country ISO code.
It is desirable for the messages 100, 200, 120, 220. In the messages 110, 210, 130, 230,
this field is optional and its value is copied from the request. In the messages 420, 430, the
value is obtained from the original transaction and it is optional.

67(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

P-22 POS Entry Mode


Format: N3
Includes two codes. The first two-digital code shows the mode used to enter the information
on the card number or on the magnetic stripe second track:
00 unknown or no terminal
01 manual key entry
02 magnetic stripe read, CVV not reliable
04 optical character reader
05 ICC, CVV reliable
07 contactless EMV
90 magnetic stripe read, CVV reliable
91 - contactless magnetic stripe data
95 ICC, CVV unreliable
The second one-digital code shows the PIN entry possibility at the current terminal:
0 unknown
1 can accept PIN
2 cannot accept PIN
The field is mandatory for the messages 100, 200, 120, 220. In the messages 110, 210, 130,
230, the value is optional and copied from the request. In the messages 420, 430, the value
is obtained from the original transaction and it is optional.

68(153)
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1998-2015 Compass Plus Ltd.

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P-23 MBR
Format:

N3

Includes the card member number.


It is mandatory for all messages to the exclusion of the network management. In the
response, the value is copied from the request, in the reversal, it is obtained from the original
transaction.

69(153)
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P-25 POS Condition Code


Format: N3
Includes a code defining the transaction conditions:
0 normal
1 customer not present
2 unattended customer operated terminal (CAT)
3 merchant suspicious
5 customer present, card not present
8 mail/phone order
10 customer identify verified
11 Normal with Bonuses
51 verification only
52 recurring payment
53 installment payment
59 VSEC request (public network, unknown encryption)
61 recurring payment secure VSEC
62 recurring payment non-secure VSEC
65 installment payment secure VSEC
66 installment payment non-secure VSEC
67 Installment payment EMV chip transaction
71 referral
72 hardware cryptographic customer authentication
73 software cryptographic customer authentication
81 3D-Secure supported only by acquirer
82 3D-Secure
83 nonauthenticated SET without cardholder certificate, chip cryptogram used
84 secure SET with cardholder certificate, chip cryptogram used
85 secure SET with cardholder certificate
86 nonauthenticated SET without cardholder certificate
87 channel encrypted VSEC
88 non secure VSEC
89 channel encrypted VSEC, chip cryptogram used
91 EMV chip transaction
92 EMV chip transaction with Bonuses
The field is desirable for the messages 100, 200, 120, 220. In the messages 110, 210, 130,
230, the value is optional and copied from the request. In the messages 420, 430, the value
is obtained from the original request.
In order to comply with Visa specification (SMS ATM Technical Specifications, Volume 1),
the field 25 transfers the following values on the following conditions:
Code Definition
Edits Associated With Code
13
Representment of item
Message Type must be 0220 or 0230.
17
Chargeback (or advice)
Message Type must be 0422 or 0432.
54
Chargeback reversal
Message Type must be 0422 or 0432.

70(153)
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P-26 Message Reason Code


Format: N4

Includes a code of the reason why the card was put on Stoplist or dispute transaction reason
code (for details, see p. 10).
It is specified in the Stoplist 422/432 messages. It is also specified for Debit/Credit
Adjustment (220/230), Representment (220/230), Chargeback and Chargeback Reversal
(422/432) transactions.

71(153)
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P-28 Fee Amount


Format:

A1+N8

The first character is D or C. D account is debited with the fee amount, C account is
credited with the fee amount (e.g.: bonus).
For TIC messages, it includes the acquiring fee in the settlement currency if it is specified
(field P-51), otherwise in the transaction currency (field P-49).
For TCI-from-Host messages, it includes the acquiring fee in the transaction currency (field
P-49).
It is specified in the messages 100, 200, 120, 220 on condition that a current transaction
contains the amount. In the messages 110, 210, 130, 230, the value is optional and copied
from the request. In the messages 420, 430, the value is obtained from the original
transaction.
The field will be filled in the response to the POS P2P Calculate Fee and POS Calculate Fee
transactions.

72(153)
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P-32 Acquiring Institution Identification


Format: N ..11 (LLVAR)
Includes the acquirer ID.
It is specified in all messages to the exclusion of the network management and Stoplist
management messages. The response field value is copied from the request. In the
reversals, the value is obtained from the original transaction.

73(153)
COMPASS PLUS
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P-33 Forwarding Institution Identification


Format:

N ..11 (LLVAR)

Includes an identifier of the bank that forwards a message.


It is specified in the messages 100, 200, 120, 220. In the messages 110, 210, 130, 230, the
value is copied from the request. It is optional for the messages 420 and 430.

74(153)
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1998-2015 Compass Plus Ltd.

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P-35 Track 2
Format:

ANS ..37 (LLVAR)

Includes the information from the second track of the transaction originator card, to the
exclusion of the start and end separators and LRC. It is allowed to use = or D as a track
data separator. If the card information is entered manually, data is recorded in the PAN=EXP
format, where PAN is the primary account number, EXP expiration date in the YYMM
format, at that EXP is optional.
The response contains values from the request, the reversal obtains values from the original
transaction.
If the full track cannot be sent in the reversal, it is possible to send the field in the PAN=
format or the masked variant of the original track.

75(153)
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P-37 Transaction Retrieval Reference Number


Format: ANS12
Includes the transaction number assigned by the originator. The number should be the same
for all the messages of the business transaction (in reversals in particular). Yet it should be
unique for each transaction within 24 hours.
It is mandatory for all the messages to the exclusion of the network management and
Stoplist management messages. The field value in the response is copied from the request,
in the reversal it is obtained from the original transaction.

76(153)
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P-38 Authorization Identification Response (Approval Code)


Format: ANS6
Includes the identification response code assigned by the authorization institution.
If available, it is present in the messages 110 and 210. In the messages 120, 220, 420, the
value is optional but recommended and it is obtained from the original transaction. In the
messages 130, 230, 430, the value is copied from the respective request.

77(153)
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P-39 Response Code


Format: N5
Includes the issuer response code to the transaction (see the Response Codes table) and
the Retain card attribute. The response code consists of 5 bytes, where the third byte (R) is
the retain card attribute: 0 normal; 1- retain card; 2 honour with identification, 3 TC
advice requested; the forth and firth bytes (RC) is the response code, the remaining bytes
are zero-filled:
00 R RC
It is mandatory for the declined Advice messages 120 and 220 and optional for the approved
Advices.
The messages 420 (Reversal) includes the reversal reason code (see Reversal Codes).
It is mandatory for all response messages as well as for the reversal ones.
For TIC, the response code 00000 is transferred in messages 810 in case of the Network
operation has been successful.

78(153)
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P-41 Card Acceptor Terminal ID


Format: ANS ..16(LLVAR)
Includes the terminal name.
It is recommended for the messages 100, 200, 120, 220, 420. In the response messages
with MTI 110, 210, 130, 230 and 430 the value is optional and copied from the request. In
the message 420 the value is obtained from the original transaction.

79(153)
COMPASS PLUS
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1998-2015 Compass Plus Ltd.

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P-43 Card Acceptor Terminal Name/Location


Format: ANS 222
Includes various terminal characteristics.
The field consists of the following subfields:
P-43.1 Terminal owner (ANS 30) terminal owner definition,
P-43.2 Terminal city (ANS 30) city where the terminal is located,
P-43.3 Terminal state (N3) state code,
P-43.4 Terminal country (N3) terminal country ISO code,
P-43.5 Terminal address (ANS 30) address of the terminal,
P-43.6 Terminal branch (ANS 30) branch of the terminal,
P-43.7 Terminal region (ANS 30) region where the terminal is located,
P-43.8 Terminal class (N3) class of the terminal (001 ATM, 002 POS, 003 CRT, 004
TELEBANK),
P-43.9 Terminal date (N8) business date of the terminal in the format YYYYMMDD,
P-43.10 Terminal PS name (ANS 10) name of the terminal owner payment system,
P-43.11 Terminal FI name (ANS 4) name of the financial institution that owns the terminal,
P-43.12 Terminal retailer name (ANS 25) retailer name that owns the terminal,
P-43.13 Terminal county (N3) code of the terminal county,
P-43.14 Terminal zip code (N9) zip code of the terminal location,
P-43.15 Terminal time offset (N4) minutes to be added to the processing center local time
to get the terminal time, the first character - stands for the negative value.
The subfields 8,10 are mandatory for the 100,200,120,220 messages.
The remaining subfields are desirable for these messages. In the messages 110, 210, 130,
230, the subfield values are copied from the request and optional. In the reversal, the value
is optional and obtained from the original transaction.

80(153)
COMPASS PLUS
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1998-2015 Compass Plus Ltd.

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P-44 PIN/CVV Verification Result


Format: ANS2
Includes PIN and CVV verification result. It comprises the following subfields:
P-44.1
(ANS1) PIN verification result.
P-44.2
(ANS1) CVV/CVV2 verification result.
The subfields may take on the following values: 1 verification has been successfully
performed, 0 verification failed, blank verification has not taken place.
If available, it is specified in the messages 100, 110, 200, 210, 120, 220. In the messages
with MTI 130 and 230 the value is copied from the request and it is optional.
In TCI-from-host messages with MTI 110, 210, 130 and 230 the value is copied from the
request and is optional

81(153)
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P-45 Track 1
Format: ANS ..76 (LLVAR)
Includes the information from the Track1 of card magnetic stripe.
It is desirable for the messages 100, 200, 120, 220. In the messages 110, 210, 130 and 230,
the value is copied from the request. In the reversals, the value is obtained from the original
transaction.

82(153)
COMPASS PLUS
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1998-2015 Compass Plus Ltd.

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P-48 Reference to Other Transaction


Format:

ANS 31

Includes data required to link transactions. It consists of the following subfields:


P-48.1 Other Transaction RRN (ANS 12);
P-48.2 Other Transaction PAN (ANS 19).
If necessary, it is specified in the messages 100, 200, 120 and 220.
Particularly, it is used in the request of the P2P Credit transaction it contains RRN and
PAN of the respective P2P Debit transaction.

83(153)
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1998-2015 Compass Plus Ltd.

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P-49 Transaction Currency Code


Format: N3
Includes transaction currency code.
For the transactions received from payment systems (VISA, MasterCard, etc.), this field
transfers the code of the payment system billing currency.
It is mandatory for the messages 100, 200, 120, 220, 420 (in the message 420, the value is
obtained from the original transaction). In the messages 110 and 210, the value is obligatory
copied from the request. In the messages 130, 230, 430, the value is optional and obtained
from the request.

84(153)
COMPASS PLUS
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1998-2015 Compass Plus Ltd.

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P-51 Cardholder Billing Currency Code


Format: N3
Includes the customer account currency code.
It should be defined in the messages 110 and 210. It is mandatory if the message 110, 210
contains the field 6 or 123.IF.
It includes settlement currency code into messages 100, 200, 120, 220 and 420 if
transaction currency is converted to the settlement currency.
It is included into the TCI-from-Host messages in all requests, if known. In responses, the
value is copied from the request. It must be present in the response if the response transfers
the account balances (the field 105).

85(153)
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P-52 PIN
Format:

HEX 16

Includes the PIN-block cryptogram.


If available, it is included in the messages 100 and 200. In the messages 110 and 210, the
value is optional and copied from the request.
It is not sent in TCI.

86(153)
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P-53 Security Related Control Information


Format:

b48

Includes the ZonePinKey cryptogram and the check value to verify the key validity.
The field format: working key cryptogram (8 or 16 bytes) + check value (2 bytes). It is right
zero-filled up to 48 bytes.
It is specified in the 810 message response to the request of Pin Working Key exchange.

87(153)
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P-54 Adjustment Amount


Format: N12
Includes the adjustment amount in the settlement currency (field P-51), if it is specified;
otherwise in the transaction currency (field P-49).
It is specified in the requests 100, 200,120, 220 if the transaction code is Purchase
Adjustment, Cash Advance Adjustment, Merchandise Return Adjustment or POS Deposit
Adjustment (refer to Transaction Codes dictionary). In the reversals, the value is obtained
from the original transaction. In the messages 110, 210, 130 and 230, the value is optional
and copied from the request.
In the Purchase with Cashback transaction, it contains the cashback amount in the
settlement currency (field P-51), if it is specified; otherwise in the transaction currency
(field P-49).
In the Telebank Operation History and Telebank Card Statement transactions, it contains the
max amount of operations included in the operations history.

88(153)
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1998-2015 Compass Plus Ltd.

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P-55

ICC System Related Data

Format:

b..255 (LLLVAR)

It is used to transfer ICC data in EMV transactions.


It is specified in the messages 100,110,200,210, if Pos Entry Mode (field 22) is 05x, 07x,
95x.
Field format is identical to that of the field 55 in Master Card.
See documentation
EMV2000
Interrated Circuit Card Specification for Payment System
Book 3
Application Specification
Annex C
Coding of Data Elements used in the Transaction Processing.
Tag 9F36 (Application Transaction Counter) is an exception. Its value is transmitted in the
BCD format for the protocol version 07 and previous versions.
Tags 95, 9F10, 9F5B can be transferred in the message 420.

89(153)
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P-61 Card Issuer Data


Format: ANS 14
Includes the card issuer parameters.
It consists of the following subfields:
P-61.1
Authorization FI Name (ANS 4) Name of the issuing financial institution,
P-61.2
Authorization PS Name (ANS 10) Name of the issuing payment system.
It is specified if present in the messages 110, 210, 130, 230.
The field is defined in TCI-from-host in case it is present in the messages 100, 200, 120,
220, 420. In the messages 110, 210, 130, 230 and 430, the value is optional and copied
from the request.

90(153)
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P-62 External Transaction Attributes


Format: ANS..100 (LLLVAR)
ANS..999 (LLLVAR) for the protocol v.09
Includes the additional attributes used by the external host interfaces to identify the original
transaction (e.g. in the reversal), etc.
If necessary, it is specified in the messages 100,200,110,210,120 and 130 for protocol
version 02 or higher.
For TCI, it is sent not depending on the version, and if required, in the responses 110, 210,
130, 230 as well as in the 420 (reversal request) value is copied from the original
transaction. It may be included in the message 430 value is copied from 420.
In the Get BackOffice Information transactions - type of the requested information is
specified between the information source party and the requester.

91(153)
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P-63 New Pin


Format: HEX 16
Includes PIN-block cryptogram with a new PIN value.
The field is specified in the messages 100, 200, 120, 220 if the transaction code is PIN
Change (refer to Transaction Codes Manual). In the messages 110 and 210, the value is
optional and copied from the request. It is not sent to TCI.

92(153)
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P-64 MAC
HEX 16
Includes the Message Authentication Code for the messages, which do not contain the fields
from S-65 to S-128. The S-128 element is used to send MAC if the message contains
elements from the second part of the Bit Map. In this case P-64 element is not included in
the message. MAC is calculated by the whole message (starting from the message header).
Since MAC is calculated, only 4 start bytes of the value are used, the remaining 4 bytes are
filled in by the binary zeros.
MAC is mandatory for all the messages to the exclusion of the net ones, if there is a
respective agreement on MAC usage between both sides.
It is not specified in TCI.

93(153)
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S-70 Network Management Information Code


Format:

N3

It is used in the network messages to monitor the host-to-host session. It contains the
reason of the network message sending.
It may have the following values:
001-logon,
002-logoff,
101PIN Working Key change,
301-echo test.
For TCI, the following values are available:
003 cutover offline,
004 inquiry mode.
For details on the field usage in TCI, refer to section BS and TCI States.
It is mandatory for the messages 800, 810. In the message 810, the value is copied from the
request.

94(153)
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S-95 Replacement Amounts


Format:

N24

Includes the actual amount of the reversed transaction. It consists of the subfields:
S-95.1
Replacement Amount (N12) actual amount of the reversed transaction in the
settlement currency (field P-51) if it is defined, otherwise in the transaction currency
(field P-49).
S-95.2
Replacement Original Amount (N12) actual amount of the reversed
transaction in the original currency - S-106.2.
The field is specified in the message 420 for the partial reversal, i.e. the actual amount of the
reversed transaction is not zero and not equal to the amount of the original transaction. In
the message 430, the value is copied from the request (optional).

95(153)
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S-100 Receiving Institution Identification Code


Format: N ..11 (LLVAR)
Includes the ID of the institution receiving request.
It is recommended for the messages 110 and 210.
It is not used in TCI.

96(153)
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S-102

Account Identification 1 (FROM)

Format:

ANS ..30 (LLVAR)

Includes the number of account involved in the transaction processing.


If present, it is specified in the messages 100,110, 200, 210, 120 and 130. It contains the
symbol ? in the requests 100 and 200 if the terminal supports the account selection.
It contains different objects accounts for the different transactions:
For the Payment Credit, Payment Request, Confirmation transactions. It contains the
vendor account number (payment recipient);
For the Payment Return transaction, it contains the number of vendor account to be
debited;
For the P2P Credit, Transfer Credit, Merchandise Return, POS Deposit transactions, it
contains the card account to be credited;
For the debit transactions, it contains the number of card account to be debited.
In TCI-from-Host, the value is sent in all requests, if present; in the reversal, it is copied from
the original transaction. It always contains the debit account, e.g. for the Deposit it contains
the terminal account if it is defined in TWO, for Withdrawal the customer account.

97(153)
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1998-2015 Compass Plus Ltd.

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S-103

Account Identification 2 (TO)

Format:

ANS ..30 (LLVAR)

Includes the destination account number (to account).


If present in the transaction, it is specified in the messages 110, 200, 210, 120 and 130. In
the messages 130 and 230, the value is copied from the request (optional).
In the Payment, Payment Debit, Bills Request, Precheck, ATM Card Cash Payment
transactions, it contains number of vendor account.
In TCI-from-Host, the value is sent in all the requests, if present; in the reversal, it is copied
from the original transaction. It always includes the credited account, e.g. for the Deposit, it
contains the customer account; for withdrawal ATM account, if it is defined in TWO). For
the Payment transaction, it includes vendor settlement account. For the Purchase
transaction, it contains the POS-terminal account or the terminal retailer account (if the
terminal account is undefined).

98(153)
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S-104

Host Net Identification

Format:

ANS4

In the Stoplist messages, it is used to define the final host type, which posts the message to
the external payment system (EPS):
VISA for VISA host
EP for MasterCard Europe host
MC for MasterCard Global host.
In the VISA PIN Verification File Update messages, it is used to define the type of final host,
which posts the message to the external payment system.
VISA for VISA host.
In other messages, it may contain the net identifier used by VISA.
It is mandatory for the messages 422, 432 (432 copies the value from 422). It is
recommended for the messages 100, 110, 200, 210, 120, 220, 420 (the value in the
message 420 is obtained from the original transaction). In the messages 130,230,430 the
value is optional and copied from the request.

99(153)
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1998-2015 Compass Plus Ltd.

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S-105

Account Balance Data

Format: N25
Contains data used in the Balance inquiry and POS Balance Inquiry transactions (refer to
the Transaction Codes Dictionary).
It consists of the following subfields:
S-105.1
Leger Balance (N12) account ledger balance,
S-105.2
Available Balance (N12) account available balance,
S-105.3
Balance currency account (N1) 1 account balance is to be transmitted in
the account currency, 0 in the transaction currency.
Note: the first character of the fields 105.1 and 105.2 may be character - indicates the
balance negative value.
It is specified in the messages 110, 210 if transaction code is Balance inquiry or POS
Balance Inquiry. In the messages 100, 200, the subfield 105.3 is specified. By default, the
balance is transmitted in the transaction currency if transaction code is Balance inquiry or
POS Balance Inquiry.
In TCI, it may be sent in the responses 110, 210, 130, 230, 430 if there is chosen the
scheme of the balances actualization through receiving them in the responses from the bank
system. Balances are always transmitted in the account value.

100(153)
COMPASS PLUS
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S-106 Multi Currency Data


Format:

N46

Includes the transaction multicurrency related data:


S-106.1
TO Account Currency (N3) destination account currency code,
S-106.2
Original Currency (N3) for transactions received from payment systems
(VISA, MasterCard, etc.), currency code of the transaction initiated by the acquirer.
S-106.3
TO Account Amount (N12) transaction amount (in the destination account
currency).
S-106.4
Original Amount (N12) for transactions received from payment systems
(VISA, MasterCard, etc.), transaction amount (in the original currency).
S-106.5
FROM Account Exchange Rate (N8) rate of conversion for the transaction
currency to the FROM account currency.
S-106.6
TO Account Exchange Rate (N8) rate of conversion for the transaction
currency to the destination account currency.
Conversion rate format: the first character is the length of data after decimal point (e.g.
12,345 is transferred as 30012345).
In the 100, 200, 120, 220, 420 messages, the subfields are recommended: 2 and 4 (420
obtains value from the original transaction). For the messages 110, 210, the subfields 1, 3, 5
and 6 are recommended.
In TCI-from-Host, all the subfields are transferred (if known) in the requests 100, 200,120,
220. In the reversal 420, all the subfields are copied from the original transaction. In the
responses the fields are copied from request and optional.

101(153)
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S-107 Final RRN


Format:

ANS 12

Includes a transaction number assigned by the IPS (VISA, MasterCard) host-interface during
the message transferring to external PS. It is used for the subsequent transaction
processing (BASE II and IPM, etc).
It is specified in the messages 110 and 210.
For TC-from-Host, it is additionally transferred in the message 420 the value is copied from
the original transaction.

102(153)
COMPASS PLUS
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S-108 Regional Listing Data/String Message


Format:

ANS ..999 (LLLVAR)

Regional Listing Data:


It is used in the Stoplist messages to define the regions to be effected by the Stoplist
command. If the transaction code is Add Card to Stoplist, the field shows the regions for
which the card should be added to Stoplist. The field format depends on the International
Payment System, which receives the request. If necessary, it is specified in the messages
422, 432.
String Message:
Used in ATM transactions. In the request, it contains: General Purpose Buffer B + character
1C (Field Separator) + General Purpose Buffer C. If some of the buffers is not defined, it is
not specified (if both buffers are absent, only the Field Separator will be transmitted).
Moreover, if the ATM message contains the additional buffers, their contents are added to
the field 108 in the following way:
1C (Field Separator)+BufferId +Buffer+ 1C (Field Separator)+BufferId +Buffer+
where: BufferId number of the transmitted buffer, Format NNN, Buffer buffer contents
(variable length).
In the response, it may contain any number of the text fields separated by 1C. The fields
can be printed on the ATM receipt.
It can be specified in the messages 100, 200. In the messages 110, 210, it may contain the
response text.
In the Get BackOffice Information transactions, it may contain optional request parameters.
In the responses to the transactions 01 - '3-D Secure Verify Enrollment' and 603 - '3-D
Secure Check Proxy PAN', it may contain the customer personal data in the questionanswer form in the UAMP format of the records array:
{
str What;
str Value;
}
What - question
Value - answer
It is used to
It
is
transferred
in
the
EC/CheckProxyPAN/Rp/InsurancePersonInfo
and
EC/3DVerifyEnrollment/Rp/InsurancePersonInfo fields of the TranzWare Online ECommerce Protocol.
It is specified in the messages 110, 210.
TCI-from-BS:
The system transfers the textual description of the account transaction. It is used as
additional information on the operation provided to the customer in the statements.

103(153)
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S-109

Multi Account Data

Format: ANS ..999 (LLLVAR)


Includes the customer accounts data allowing the customer to select the respective account
(from or to) on condition that the terminal supports the account selection.
The field consists of several records of the fixed size list of all the available accounts but
not more than 10 accounts simultaneously. The field consists of recurring data blocks which
include information on one account:
Type (N1) account type 1 account from,2 account to,
Account (ANS 30) account number,
Title (ANS 25) account description,
Currency (N3) account ISO-currency code
[Type
Account
Title
Currency]
The field is specified in the messages 110 and 210 if it is necessary that the customer select
the account.
For the protocol v.6 and higher, detailed list of accounts is transferred in field 124.AL.

104(153)
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S-110

Numeric Message

Format: N..9 (LVAR)


It is used in the user-defined ATM transactions, payments and messages to the financial
institution in TCI-from-BS messages.
User Defined Transactions:
In the request, it contains a subcode of the user transaction. In the response, it may contain
any numeric information, which can be used when printing a receipt. In the messages 100,
200, it can be specified in responses for further use.
Payments:
Includes the payment class:
1 to the card payment account;
2 predefined to the vendor account;
3 free payment to the vendor account;
It is mandatory for the messages 100 and 200. In the messages 110 and 210, the value is
copied from the request. For the messages 420, it is copied from the original transaction.
P2P transfers:
In the transactions of the transfer to card (XXX P2P Credit), it can contain the value
indicating the type of the funds transfer source.
Available values:
1 VISA credit card
2 VISA debit card
3 VISA prepaid card
4 cash
5 debit card (except for VISA cards)
6 credit card (except for VISA cards)
Message to Financial Institution:
Includes a message ID. It is mandatory for the messages 100, 200. In the messages 110
and 210, the value is copied from the request.
Print Statement
In the transactions for card/account history obtaining, it can contain the requested number of
records.
Get BackOffice Information:
Response format:
1 Text;
2 XML.
It is mandatory for the 100 and 200 messages if the transaction code is Back Office
Information to Telebank or Back Office Information to FIMI. In the 110 and 210 messages
value is copied from the request.
Changing status of card enrolment in 3-D Secure:
The Change EC Status transaction contains new status of the card enrolment in 3-D Secure:
0 Not Active. Card is not enrolled in 3-D Secure.
1 ReadyEnrollment. Card is enrolled in 3-D Secure, but the service is not activated.
2 Active. Card is enrolled in 3-D Secure and the service is activated.
105(153)
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3 Pause. Card is enrolled in 3-D Secure, but the service is suspended.


It is specified in the messages 100 and 200; in the messages 110 and 210 the value is
copied from the request.
3-D Secure:
In the response to the transactions 601 - '3-D Secure Verify Enrollment' and 604 - '3-D
Secure Get Enrolled', it may contain the current status of the card enrollment in 3-D Secure.
It
is
transferred
in
the
EC/3DVerifyEnrollment/Rp/ECStatus
EC/GetEnrolled/Rp/ECStatus fields of the TranzWare Online E-Commerce Protocol.
It is specified in the messages 110 and 210.

and

TCI-from-BS Messages:
Include the account transaction code:
Code
01
02
03
04
05
06
07
08
09
10
11
12
13
14
15
16
17
21
22
23
24
25
26
27
28
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

Transaction
Cash Inflow
Cash Outflow
Income Against Payment Agreement
POS Cash Advance
ATM Deposit
ATM Withdrawal
Placing to the Account
Writing off the Account
Fee
Payment Against Insurance Contract
Capitalization
ATM Balance Inquiry
ATM MiniStatement
ATM Statement
ATM Message to Institution
ATM P2P Debit
ATM P2P Credit
ATM Transfer
ATM Payment
ATM PrepaidCode
POS PrepaidCode
Telebank PrepaidCode
Telebank Outside Transfer
POS Deposit
POS Deposit Adjustment
POS QuasiCash
POS Purchase
POS Merchandise Return
POS Purchase Adjustment
POS Merchandise Return Adjustment
POS Cash Advance Adjustment
POS Preauthorization
POS Preauthorization Complete
POS Balance Inquiry
Mail/Phone Order
Card Verification
POS P2P Debit
POS P2P Credit
Telebank Transfer
Telebank Payment

106(153)
COMPASS PLUS
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Code
45
46
47
48
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
84
85
91
92
98
99

Transaction
Telebank Buy Balance
Telebank Buy MiniStmt
Telebank P2P Debit
Telebank P2P Credit
Account Statement Fee
Customer Payments Remittance
Capitalization With Hold
Card Status Change Fee
Card Maintenance Fee
Close Account
Close Credit Line
Fix Credit Line
Use Credit Line
Breach of Credit Terms
Repay Credit Debt
Credit
Currency Purchase
Currency Sale
Denomination
Balancing of Agreement Accounts
Premium to Customer
Card Issuing Fee
Account Opening Fee
Repay Credit
Place Interest on Account
Pay off Outstanding Interest
Write off Interest
Recover Balance Due
Repay Debt by Balance Due
Hold Calculation
Write Off Hold
Single Payment
Fine
Salary
FIMI Account Debit
FIMI Account Credit
Change PIN
Write Card
CMS Payment
POS Payment
Decline of a Purchase Authorization
Other Operations on Account

If it is not specified in the TCI-from-BS message, the operation code is 99.

107(153)
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S-111

Account Identification 2

Format:

ANS ..99 (LLVAR)

It is used in the Payment transactions and contains the personal attributes of a payment.
If available, it is used in the messages 100, 200, 120 and 130. In the messages 110, 210,
130 and 230, the value is optional and copied from the request.
For the free and pre-defined payments to the vendor account, the payment attributes are
presented as a structure in the UAMP format. The structure consists of subfields with the
format attribute name=value separated by symbol 0x10(hex), where attribute name is the
payment attribute symbol notation, value attribute value. For details on the UAMP format,
refer to UAMP.doc.
For the presented Bill Payment transaction, it contains the data on the bill selected in the list:
BillID + 0x1C + BillingAcct + 0x1C + BillAlias + 0x1C + SubBillId
where 0x1C separator with the appropriate code. BillAlias and SubBillId can be absent.
See details on the bill parameters in the description of the field 116.
If the 99 bytes are not enough to send all payment attributes, the attributes are sent in the
subfield Account Identification 2 of the field 124.

108(153)
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S-114

Mini-Statement Data
Format: ANS ..250 (LLLVAR)
Includes the text of the mini-statement sent to the terminal when executing the MiniStatement Print and POS Mini-statement Print transaction (refer to Transaction Codes
dictionary).
Mini-statement format:
The mini-statement consists of several lines (fixed length) where each line is a
transaction. Max number of strings is limited by the permissible number of strings
printed on a receipt.
"mmddkk000000000000s".... , dd-day, mm-month, kkk-code (transaction code), 000amount (specified in minimal currency units), s-sign(+-).
It is specified in the 110, 210 messages of response to the ministatement request.

109(153)
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S-115

Statement Data

Format:

ANS ..99999 (LLLLLVAR)

Includes the card (account) history data posted to the terminal when executing the Card
Statement or Statement Print transactions (see the Transaction Codes dictionary).
Format of data being posted: structures array in the UAMP format (for the UAMP protocol
definition, refer to the documentation UAMP.doc). The fields with time (date/time) type must
be transmitted as a real number in UAMP format.
Structures array:
{
int(12) FrontId;
str(12) BackId;
int(1) Origin;
int(1) Type;
int(9) OperCode;
num(15,3) Amount;
time OperDate;
time TranTime;
num(15,3) OrigAmount;
int(3) OrigCurrency;
str(19) PAN;
int(3) MBR;
int(1) TermClass;
str(16) TermName;
int(9) TermSIC;
str(750) TermLocation;
str(300) AnotherTitle;
str(750) Description;
str(30) BackAcct;
num(15,3) BackAmount;
num(15,3) Remain;
str(30) AcctNo;
int(3) AcctCurrency;
str(8) ApprovalCode;
num(15,3) OnlineIssuerFee;
str(150) TermRetailerName;
int(3) TermCountry;
str(90) TermCity;
str(99999) MultiAcctList;
} [] recHist
recHist array name used as the parameter name for the UAMP protocol.
All the structure fields are of variable length. The value defined in brackets is the field max
length.

110(153)
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Structure fields definition:


Field Title

Description

( * - mandatory parameter)

FRONTID
BACKID
ORIGIN*

TYPE*

OPERCODE*
AMOUNT*
OPERDATE*
TRANTIME
ORIGAMOUNT
ORIGCURRENCY
PAN
MBR
TERMCLASS
TERMNAME
TERMSIC
TERMLOCATION
ANOTHERTITLE
DESCRIPTION
BACKACCT

BACKAMOUNT
REMAIN
ACCTNO
ACCTCURRENCY
APPROVALCODE
ONLINEISSUERFEE
TERMRETAILERNAME
TERMCOUNTRY
TERMCITY
MULTIACCTLIST

Source transaction ID in FrontOffice for the processing


operations
Posting entry ID in BackOffice
Operation origin:
1 Processing
3 Retail
Operation type:
1 financial
2 contract
3 authorized
Operation code
Operation amount in the account currency with a sign
FrontOffice business date or BackOffice operation day
Transaction time for the processing transactions
Operation original amount (without a sign)
Original currency code
Number of the card on which a processing operation has
been executed
Cardholder number
Terminal class: 1-ATM, 2-POS, 3-CRT, 4-VTBI
Terminal name
Terminal SIC or MCC
Terminal location
Priority operation title, if not NULL, it overlaps OperCode
Description of the operation that can be defined for the bank
operations
Account number in BackOffice for the contract operation
(Type=2); if not equal to NULL and differs from the main
account then operation was executed in BackOffice by the
contract account
Operation amount in the account currency in BackOffice;
Account balance after executing an operation actual only
for the bank operation
Account number in FrontOffice
Account currency code
Approval code
Online issuing fee for new processing operations not yet
known in Back Office
Name of merchant who owns the terminal
Terminal country ISO code
Terminal location city
A list of additional accounts involved in the operation.
See the list format below.

111(153)
COMPASS PLUS
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List of Additional Accounts Involved in Operation


Structures array:
{
str(30) Account;
num(15,3) Amount;
int(3) Currency;
} [] MultiAcctList
MultiAcctList array name used as a parameter name for the UAMP protocol.
All fields in the structure are of variable length. The value in the brackets is the maximum
length of field.
Structure fields description:
Field Name
Description
ACCOUNT
Account number in FrontOffice
AMOUNT
Amount of account operations
CURRENCY
Account currency ISO code

112(153)
COMPASS PLUS
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1998-2015 Compass Plus Ltd.

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S-116

Billing Data

Format:
ANS ..99999 (LLLLLVAR)
Includes the data on the service payment bills. It is posted in response to the transaction
ATM Bills Request (see the Transactions Codes dictionary).
Format of data being posted: structures array in the UAMP format (for the UAMP protocol
definition, refer to the documentation UAMP.doc)
Structures array:
{
int(9) BillID;
str(100) VendorTitle;
str(200) BillingAcct;
time StartPeriodDate;
time EndPeriodDate;
time EffectiveDate;
num(15,3) Amount;
int(3) Currency;
str(40) ShortDescription;
str(100) Description;
str(200) BillAlias;
int(9) ParentBillId;
str(200) SubBillId;
str(1000) VendorExtPaymentParam;
str(20) CustomerID;
str(20) CustomerDDAgentID;
} [] recBills

recBills array name used as the parameter name for the UAMP protocol.
All the structure fields are of variable length. The value defined in brackets is the field max
length.
Structure fields definition:
Field Title
( * - mandatory parameter)

BillID*
VendorTitle
BillingAcct
StartPeriodDate
EndPeriodDate
EffectiveDate
Amount
Currency
ShortDescription
Description
BillAlias
ParentBillId
SubBillId
VendorExtPaymentParam
CustomerID
CustomerDDAgentID

Description
Bill unique identifier
Vendor (service provider) title
Vendor service account
Period start
Period end
Effective date
Amount to be paid
Amount currency code
Service brief description
Service detailed description
Bill alias
Parent bill ID
Subservice identifier
Vendor extra parameters
Customer ID
Agent ID

113(153)
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S-121

Additional POS Data

Format:
ANS 47
Includes the additional POS terminal data. It consists of the subfields:
S-121.1
Transaction category (N2) POS-transaction category
S-121.2
Draft Capture (N1). Available Values:
0 wait for the terminal confirmation
1 transaction is the reason to debit an account
2 transaction from POS terminal or voice authorization slip
3 VISA Fast Funds attribute. It can be transferred in the transactions
ATM P2P Credit (64) and POS P2P Credit (133) in case an issuer
participates in VISA Fast Funds
4 Verification Only attribute. It is transferred in the transactions ATM P2P
Credit (64) and POS P2P Credit (133). For such transactions only the
possibility of the operation execution must be checked, the funds must not
be credited to the account.
S-121.3
CVV2 (N3) CVV2,
S-121.4
Clerk (ANS 16) clerk identifier,
S-121.5
Invoice Number (ANS 16) number on the cheque,
S-121.6
POS Batch and Shift Data (ANS9) transaction number at POS: Shift#[N3]
Batch#[N3] InBatch#[N3].
If CVV2 has negative value then it is treated like that: if CVV2=-99, it replaced by 00; in the
other cases - is not used. For the result, refer to table.
Position 1
0 - CVV2 Value is intentionally not provided
2 - CVV2 Value is Present but illegible
9 - Cardholder states that no CVV2 value is imprinted
Position 2

0 - Only the normal Response Code should be returned


1 - Both the Response Code and the CVV2 Result Code should be returned
It is recommended to specify the field in the messages 100, 200, 120, 220 for POS
transactions. In the messages 110, 210, 130, 230, the value is optional and copied from the
request. In the messages 420, 430 the value is optional and obtained from the original
transaction.

114(153)
COMPASS PLUS
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1998-2015 Compass Plus Ltd.

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S-122

3D-Secure Data

Format: ANS 48
Includes data required for the 3D-Secure transaction CAVV and the fields to calculate it. It
consists of the subfields:
S-122.1
CAVV (N3).
S-122.2 Authentication Results Code (N1). Available values:
0 Authentication Successful
5 Authentication Could Not Be Performed
7 Proof of authentication attempt generated for non-participating issuer
or non-participating cardholder of participating issuer
9 Authentication Failed
S-122.3
Unpredictable Number (N4).
S-122.4
Merchant Tran. Id. (ANS 40)
It is mandatory for the messages 100, 200, 120, 220 if POS Condition = 82 (3D-Secure). It is
optional for the messages 100, 200, 120, 220 if POS Condition = 61 (Recurring payment
Secure VSEC) or 81 (3D-Secure supported only by acquirer). It is optional for the message
420 the value should be obtained from the original transaction.

115(153)
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S-123

Miscellaneous Transaction Attributes

Format:

ANS..999 (LLLVAR)

Contains transaction different attributes. Its flexible structure allows to add the new attributes
and avoid the total disalignment between the host-interface versions.
The field format is a structure in the UAMP format. The structure consists of the subfields
with format parameter=value and separated by character 0x10(hex), where the parameter
attribute alphanumeric identification (see below), value attribute value. It is impossible to
use characters with codes 0x0a, 0x10, 0x1d, 0x1c, 0x07, 0x13. To transfer them, use also a
specific character [SP], e.g.: [SP]0A, [SP]10, [SP]1D, etc.
For details on UAMP format, refer to documentation UAMP.doc.
Currently, the field 123 transfers the following parameters:
Parameter
Indication
Format
CAVV verification CR
N1
result
Terminal max PIN MP
N2
number
Terminal entry
T
N2
capabilities
Terminal
CC
N1
Contactless
Capable
Terminal Support SPA
N1
Partial
Authorization
To Date
TD
N14
Issuer Fee
IF
A1+N..8
Actual Fee
AF
A1+N..8
Actual Issuer Fee AIF
A1+N..8
Actual Amount in
AA
N..12
Account Currency
ICC Card
ICO
N1
Authentication
Results
From Date
FD
N14
Issuer Country
IC
N3
Code
Issuer Card Brand IB
N4
Settlement
SA
N12
Amount
Settlement
SC
N3
Currency
Settlement Date
SD
N4(MMDD) or
N8(YYYYMMDD)
Replacement
RSA
N12
Settlement
Amount
Payee institution
FN2
ANS 4
name

TLG
CAVVOK
TERMMAXPIN
TERMENTRYCAPS
TERMCONTACTLESSCAPABLE

TERMSUPPORTPARTIALAUTH

TODATE
ISSUERFEE
REVACTUALFEE
REVACTUALISSUERFEE
REVACTUALAMOUNTACCT
ICC_CAOK

FROMDATE
ISSUERCOUNTRY
ISSUERCARDBRAND
AMOUNTSETTLE
CURRENCYSETTLE
SETTLEDATE

AUTHFINAME2

116(153)
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Parameter
Another PAN
Another Card
member number
ICC Response
Code
Terminal
Language
Terminal
Language Alpha2
Code
P2P Sender Data
From Account
Description
To Account
Description
MasterCard
UCAF SPA AAV
3D-Secure CAVV
Chip
Authentication
Programme
Token
Authentication
PAN
Authentication
card member
Terminal ZIP
code
New PVV for PIN
change
transactions
PIN Verification
Type
External payment
system RRN
External
transaction
number
Debit RRN
External Retailer
Name
Agent
Unique
Account Result
Business
Application
Identifier
CAT level
Original DCC
Amount
Original DCC
Currency

Indication
P2
CM2

Format
ANS..30
N3

TLG
PAN2
CARDMEMBER2

RC

ANS 2

ICC_RESPCODE

TL

N..9

TERMLANGUAGE

TLC

ANS 2

PD
FAD

ANS..1000
ANS..250

P2PSENDERDATA
FROMACCTDESCR

TAD

ANS..250

TOACCTDESCR

EAV

ANS 40

ECAAV

EM
CAP

ANS..100
ANS..12

ECMESSAGE
CAPTOKEN

AP

ANS..30

AUTHPAN

ACM

N3

AUTHMBR

TZ

ANS..90

TERMZIP

NP

N..9

NEWPVV

PVT

N1

ER

ANS..50

EXTPSRRN

ET

ANS..50

EXTTRANNUMBER

DR

ANS...32

DEBITRRN

ERN

ANS..100

EXTTERMRETAILERNAME

AR

ANS..11

AUAR

BAI

ANS 2

BAI

CL
AOD

N1
N12

CATLEVEL
AMOUNTORIGDCC

COD

N3

CURRENCYORIGDCC

117(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Parameter
Original
Requested
Amount
Terminal Transit
Program
Fee Program
Indicator
MasterCard
Wallet Program
Data
Password Token
New Password
Token
Challenge
Dynamic
Password OK
CAP Challenge
TLE Compliant
DUKPT
Compliant
Term Support 3Dsec
CVV2 for Virtual
Card

Indication
AOR

Format
N12

TLG
AMOUNTORIGREQUESTED

TTP

ANS 4

TERMTRANSITPROGRAM

FPI

ANS 3

FPI

WD

ANS 3

WALLETDATA

PT
NPT

ANS 16
ANS 16

PASSWORDTOKEN
NEWPASSWORDTOKEN

CH
DPO

ANS 16
N1

CHALLENGE
DYNAMICPASSWORDOK

CCH
TLEC
DUKPTC

N..8
N1
N1

CAPCHALLENGE
TLECOMPLIANT
DUKPTCOMLIANT

TS3DS

N1

TERMSUPPORT3DSEC

VCARDCVV2

N3

CVV2

CAVV Verification Result:


Includes the CAVV verification result.
Field available values:
Value
Space
0
1
2
3

5
6

Description
CAVV not checked
CAVV not validated due to erroneous data submitted
CAVV failed validation
CAVV passed validation
CAVV verification could not be performed. Or
A 3-D Secure Authentication value of 5 from the Issuers Access
Control Server (ACS) indicates that authentication was attempted
but not completed
CAVV verification could not be performed. Or
A 3-D Secure Authentication value from the Issuers Access
Control Server (AVS) indicates that the following prevented
authentication:
6 System error
9 Authentication failure
CAVV not validated: Fields 126.8 and 126.9 were present in the
request but the issuer is not a CAVV service participant
CAVV not validated: Fields 126.8 and 126.9 were present in the
request but the issuer is not set to participate in any of the four CAVV
service options

If available, it is specified in the 100,110,200,210,120,220 messages.


In the 110 and 210 messages in TCI-from-host, the value is optional and copied from the
request.

118(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Terminal Max PIN Number


Max PIN length supported by the terminal (available values 0, 4-12). It is defined if the field
52 (PIN) is known and present.
Terminal Entry Capabilities
Contains the terminal PAN input capability.
Field available values:
Value
0
1
2
3
4
5
6
7
8
9
10

Description
Unknown
Not terminal
Card reader
Bar-code reading device
OCR
Magnetic stripe and chip reading device
Manual entry
Magnetic stripe reading device and manual entry
Magnetic stripe, chip reading device and manual entry
Chip reading device
Without card reading capability

Terminal Contactless Capable


It contains 1 if the terminal supports the contactless reading.
Terminal Support Partial Authorization
Available values:
Value
0
1
2
3

Description

Does not support the partial authorization


Supports the partial authorization
Supports the authorization only for the Purchase amount (the 118 Purchase With
Cashback transaction)
Supports the partial authorization and authorization only for the Purchase amount
(the 118 Purchase With Cashback transaction)

To Date
Format: YYYYMMDDhhmmss
Applicable in the Stoplist requests to transfer Purge Date.
In the Telebank Operation History and Telebank Card Statement transactions, it can contain
the end date of period for which the operations history is requested.
For the Create Virtual Card transactions, it contains the expiration date of the card being
created.
Issuer Fee
It contains the issuer fee amount.
If present, it is transferred in the messages 110, 210, 130, 230.
In TCI-from-Host, it is specified in the messages 100, 120, 200, 220, if available. It is copied
to the message 420 from the original transaction. It can be also specified in the messages
110, 210, 130, 230 in case the issuing fee is calculated by the core banking system.
See field 28 for the description.
The issuer fee must be always in the account currency, therefore, if it is transferred, the field
51 must be present.
Actual Fee
It is used in TCI-from-Host requests. It contains the acquiring fee real amount for the partial
reversal. It is specified in the message 420. See field 28 for the description.

119(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Actual Issuer Fee


It is used in TCI-from-Host requests. It contains the real amount of the issuing fee, upon the
partial reversal. It is specified in the message 420. See field 28 for the description.
The issuer fee must be always in the account currency, therefore, if it is transferred, the field
51 must be present.
Actual Amount in Account Currency
It is used in TCI-from-Host requests. It contains the transaction real amount in the account
currency for the partial reversal. The amount is specified in the currency min units. It is
specified in the message 420.
ICC Card Authentication Results
Contains ICC verification result of ARQC cryptogram: 1 Ok; 0 Not Ok.
May be present in the messages 100, 110, 120, 130, 200, 210, 220, 230.
From Date
Contains the transaction initiation time in the issuer time zone.
Transfer format: YYYYMMDDhhmmss
E.g. for the 120, 220 advices the value may be different from the time when the transaction
was received by the issuer.
In the statement transactions, it can contain the start date of period for which the operations
history is requested.
Issuer Country Code
Contains the card issuer country code. If present, it is transferred in the messages 100, 110,
200, 210, 120, 130, 220, 230.
Issuer Card Brand
Contains the card product. If present, it is transferred in the messages 100, 110, 200, 210,
120, 130, 220, 230.
Settlement Amount
Contains transaction amount in the external payment system. It is transferred only in
Chargeback Request (MTI=0422).
Settlement Currency
Contains code of the currency used for settlement with the external PS. It is transferred only
in Chargeback Request (MTI=0422).
Settlement Date
Contains the date of settlement with the external payment system. It is transferred in
Chargeback Request (MTI=0422) and can be transferred in the messages 100, 110, 120,
200, 210, 220.
For the protocol version 9 and lower versions, the format is MMDD, for the version 10 and
higher versions YYYYMMDD.
Replacement Settlement Amount
Contains real amount of the reversed transaction, the amount is presented in the currency of
settlement with the external payment system.
The field is reserved for the future use.
Payee Institution Name
Contains the name of payment or transfer destination institution. If present, it is transferred
in the messages 100, 200, 120, 220.
Another PAN
It can be transferred as an informational field in the P2P transfer transactions. It also returns
in the response if the virtual card creation transaction has been successfully authorized.

120(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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If present:
It contains PAN of transfer destination card in the P2P Debit transactions;
It contains PAN of transfer source card in the P2P Credit transactions;
It contains PAN of the created card in response to the Create Virtual Card transaction
If present, it is transferred in the messages 100, 110, 200, 210, 120, 220.
Another Card Member Number
It can be transferred as an informational field in the P2P transfer transactions.
If present:
It contains MRB of transfer destination card in the P2P Debit transactions;
It contains MRB of transfer source card in the P2P Credit transactions.
If present, it is transferred in the messages 100, 200, 120, 220.
ICC Response Code
Contains the code of external payment system response to EMV transaction. If present, it is
transferred in the messages 110 and 210. It can be also transferred in the messages 120
and 220 in STIP Advice from payment systems.
Terminal Language
Contains identifier of the terminal current language. If present, it is transferred in the
messages 100, 200, 120, 220.
Terminal Language Alpha2 Code
Contains the 2 char code of the terminal current language. If present, it is transferred in the
messages 100, 200, 120, 220.
P2P Sender Data
Contains the funds sender data for XXX P2P Credit transactions.
Contains subfields separated by character 0x1c.
Subfields:
1. Issuer country
2. Name on the card
3. Resident city (Latin characters)
4. Resident country
5. Postal code
6. Address
7. Recipient name (Latin symbols)
8. Type of the identity document:
1 passport
2 driving licence
3 social insurance number
4 TPN
9. Document number
10. Resident state
For the Domestic-transactions, it may contain only 1 subfield (issuer country).
If the data are present in the transaction, it is transferred in the messages 100, 200, 120,
220.
From Account Description
Description of the source account. If present, it is transferred in the messages 110, 210.
To Account Description
Description of the destination account. If present, it is transferred in the messages 110, 210.
MasterCard UCAF SPA AAV
MasterCard UCAF SPA Accountholder Authentification Value. If present, it is transferred in
the messages 100, 110, 200, 210.
121(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

For details, refer to MasterCard Customer Interface Specification, section "DE 48-Additional
Data Private Use, Subelement 43 Universal Cardholder Authentication Field (UCAF)".
3D-Secure CAVV
VISA 3D-Secure CAVV / American Express Verification Value data. If present, it is
transferred in the messages 100, 200.
For details, refer to the following specifications:
BASE I Technical Specifications, section "Field 126.9 Usage 3: 3-D Secure CAVV,
Revised Format"
American Express Network Specifications, section "POS Authorization Request (1100),
Bit 61 National Use Data, Subfield 6 American Express Verification Value (AEVV)"
Chip Authentication Programme Token
Chip authentication token.
If present, it is transferred in the messages 100, 200, 120, 220.
Authentication PAN
PAN used for extra authentication, e.g.:
Telebank customer authentication in the kiosk;
DPA/CAP authentication.
If present, it is transferred in the messages 100, 200.
Authentication Card Member
Card member number for extra authentication
If present, It is transferred in the messages 100, 200.
Terminal ZIP Code
Postal code of the terminal location.
If present, it is transferred in the messages 100, 200.
New PVV for PIN Change Transactions
It is transferred in VISA messages 422 (PIN verification file update).
PIN Verification Type
Available values:
1 VISA PVV
2 IBM PIN Offset
It is transferred in VISA messages 422 (PIN verification file update).
External Payment System RRN
RRN sent to external payment system. It is transferred in response to transactions which are
authorized in external payment system.
It is transferred in messages 110, 210 if the data are present in transaction.
External Transaction Number
RRN received from external payment system. It is transferred in response to transactions
received from external payment system.
It is transferred in messages 100, 200, 120, 220 if the data are present in transaction.
Debit RRN
In the transactions XXX P2P Credit, it contains RRN of the respective transaction XXX P2P
Debit.
It is transferred in messages 100, 200, 120, 220 if the data are present in transaction.
External Retailer Name
Retailer name in the external payment system.
It is transferred in messages 100, 200, 120, 220 (messages for POS transactions) if the data
are present in transaction.

122(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Agent Unique Account Result


It is transferred in the messages 100, 200, 120, 220 for POS transactions if the appropriate
data are present the in transaction.
For details, refer to specifications V.I.P. System BASE I Technical Specifications, Volume 1
and V.I.P. System SMS POS Technical Specifications, Volume 1, Section "FIELD 126.18 AGENT UNIQUE ACCOUNT RESULT".
Business Application ID
It is transferred in the messages 100, 200 for transactions XXX P2P Debit and XXX P2P
Credit if the appropriate data are present in the transaction.
For details, refer to specifications V.I.P. System BASE I Technical Specifications, Volume 1
and V.I.P. System SMS POS Technical Specifications, Volume 1, Section "FIELD 104,
Dataset 57".
CAT Level
It contains the Cardholder-Activated Terminal Level.
See a list of available values in specification MasterCard Customer Interface Specification,
the field DE 61 Point-of-Service (POS) Data, Subfield 10 Cardholder-Activated Terminal
Level.
Original DCC Amount
It contains the transaction amount in the minimum units of the dynamic conversion currency.
It is specified in the request together with Original DCC Currency if the Dynamic Currency
Conversion has been used.
Original DCC Currency
It contains the ISO code of the dynamic conversion currency. It is specified in the request
together with Original DCC Amount if the Dynamic Currency Conversion has been used.
Original Requested Amount
In case of partial authorization, it is transferred together with the Original Requested
Currency in the messages 110 and 210.
It contains the original transaction amount requested by acquirer, and corresponds to the
field 4 from the request 100, 200.
Terminal Transit Program
It is transferred in the messages 100, 200, 120, 220, if the data are present in the
transaction.
For details, refer to MasterCard Customer Interface Specification / "DE 48-Additional DataPrivate Use, Subelement 64Transit Program".
Fee Program Indicator
It contains VISA FPI. It is transferred in the messages 100, 200, 120, 220, if the data are
present in the transaction. For details, refer to VISA BASE I Technical Specification volume
1.
MastrCard Wallet Program Data
It is transferred in the MasterCard PayPass messages 100, 200, 120, 220, if the data are
present in the transaction.
For details, refer to MasterCard Customer Interface Specification / DE 48-Additional DataPrivate Use, Subelement 26Wallet Program Data.
Password Token
Hexadecimal password token of the customer. It contains the Challenge value encrypted by
the customer password hash in case the password encryption is applied; otherwise, it
123(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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contains clear hash of the customer password. It is transferred in the messages 100, 200 for
the "3-D Secure Payer Authentication" (602), "3-D Secure Change Authentication Data"
(611), "3-D Secure Change EC Status" (622) transactions.
For details, refer to the specification TranzWare Online E-Commerce Protocol: 2.4 Password
Encryption Algorithm.
New Password Token
New hexadecimal password token of the customer. It contains the hash value of the new
password encrypted by the old password hash in case the password encryption is applied
and old password is set; otherwise, it contains clear hash of the customer new password. It
is transferred in the messages 100, 200 for the "3-D Secure Change Authentication Data"
(611) transaction.
For details, refer to the specification TranzWare Online E-Commerce Protocol: 2.4 Password
Encryption Algorithm.
Challenge
Random component for generating a hexadecimal password token. It is transferred in the
messages 100, 200 for the "3-D Secure Payer Authentication" (602), "3-D Secure Change
Authentication Data" (611), "3-D Secure Change EC Status" (622) transactions.
Dynamic Password Ok
Indicates whether the dynamic password has been checked successfully (0 bad, 1 OK).
It is transferred in the messages 100, 200, 110, 210 for the "3-D Secure Payer
Authentication" (602), "3-D Secure Change Authentication Data" (611) transactions.
CAP Challenge
Component for generating the chip authentication token. It is transferred in the messages
100, 200, 110, 210 for the "3-D Secure Payer Authentication" (602), "3-D Secure Change
Authentication Data" (611) transactions.
TLE Comliant
Indicates whether the terminal has been certified for TLE (Terminal Line Encryption). (1
certified, 0 no)
DUKPT Compliant
Indicates whether the terminal has been certified for UKPT/DUKPT (Unique Key Per
Terminal / Derived Unique Key Per Terminal). (1 certified, 0 no)
Terminal Support 3D-secure
Indicates whether the terminal supports 3-D Secure. (1 supported, 0 no)
CVV2 for Virtual Card
Contains CVV2 for the created virtual card. It returns in the response at the successful
authorization.

124(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
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S-124
Format:

Miscellaneous Transaction Attributes 2


ANS..99999 (LLLLLVAR)

Contains transaction different attributes. Its flexible structure allows to add the new attributes
and avoid the total disalignment between the host-interface versions.
The field structure is identical to that of the field 123.
Currently, the field 124 transfers the following parameters:
Parameter
Decline reason
Authorizer response text
External payment
system fields
External response code
Account Identification 2
Prepaid code
Account List
American Express
Printed Card Security
Code
PCSC Length
Customer address
Address verification
result
Detail Addenda
Additional balances
External payment
gateway fields
Incoming payment
system fields
Transaction Id
Processing count
Detail Addenda Ext
HI Additional Data
HI Additional Data
Sensitive
Installment Data
Network International
Identifier
Mobile POS Indicator
POS Sender Type
3-D Secure (ECommerce) data
OFP Risk Level
OFP External Data
Terminal Additional Data
Avatar Id
Avatar Data
Avatar Info

Indication

Format

TLG

DR
ART
EPS

ANS..750
ANS..4000
ANS..1000

DECLINEREASON
AUTHRESPTEXT
EXTPSFIELDS

ERC
TA2
PC
AL
PCSC

ANS..10
ANS...1000
ANS..3000
ANS..90000
N..4

EXTRESPCODE
TOACCT2

PCSCL
CA
AVR

N1
ANS..100
ANS1

CVV2LEN
CUSTOMERADDRESS
AVOK

DA
AB
PF

ANS..4000
ANS..1000
ANS..1000

DETAILADDENDA

IPS

ANS..1000

INCPSFIELDS

ID
PRCNT
DAE
HIAD
HIADS

N..12
N..3
ANS..4000
b..2000
b..2000

ID
PROCCNT
DETAILADDENDAEXT
HIADDITIONAL
HIADDITIONALSENSITIVE

IND
NII

ANS..4000
N..9

INSTALLMENTDATA
NII

MPI
PST
EC

N1
N1
ANS..4000

MPI

OFPRL
OFPEXT
TAD
AVID
AVDA
AVIN

N..9
ANS..4000
ANS..4000
N..9
ANS..99000
ANS..1000

TLG_OFP.TRANRISKLEVEL
TLG_OFP.EXTDATA
TERMADDITIONALDATA

CVV2

EXTPAYMENTFIELDS

ECDATA

125(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Decline Reason
Contains the description of the transaction decline reason (also for the requests in EOP).
If present, it is transferred in the messages 110, 210.
Authorizer Response Text
Contains text of the authorizer response.
If present, it is transferred in the messages 110, 210.
External Payment System Fields
Contains the data received from the external payment system.
If present, it is transferred in the messages 100, 110, 120, 200, 2201 and 210 as well as in
message 432 (responses to the Stoplist request).
In all the messages (except for the response to the Stoplist request), this information is
present as a string in the UAMP format (a set of pairs <field name>=<value> separated by
the symbol with the code 0x10). A list of field names is unlimited and can be extended by
new names (including those for the internal use). If the message contains the undocumented
names of fields, it can still be processed. The names of fields are documented if necessary.
The following name of fields are frequently used:

"VISAF44" value of the 44th fields of VISA Net. It consists of 14 subfields separated
by symbol with the code 0x1C
"VISAF48_37" value of the 48th field, Usage 37Visa Money Transfer
"VISAF60" value of the 60th field of VISA Net
"VISAF62_2" Transaction Identifier
"VISAF62_20" Merchant Verification Value
"VISAF63_19" VISA Fee Program Indicator
"VISAF104_57_01" value of the 104th field, Dataset 57, Tag 01 Business
Application Identifier
"MC48_13" Mobile Phone Top-up Request Data
"MC48_32" MasterCard Assigned ID
"MC48_42" MasterCard Electronic Commerce Indicators
"MC48_63" TraceID MasterCard
"MC48_77" Payment Transaction Type MasterCard
"MC48_84" MasterCard Merchant Advice Code
"MC121" MasterCard Authorizing Agent ID Code

External Response Code


Contains ISO code of the response received from the external payment system.
If present, it is transferred in all response messages.
Account Identification 2
Contains the data on the personal attributes of a payment. It is transferred only if the data
length is more than 99 bytes, otherwise, the data are transferred in the field 111.
Prepaid Code
Contains Prepaid code data.
It s transferred in the response to the Prepaid Code Purchase and Receive Prepaid Code
transactions.
Transferred data format: list of fields in the UAMP format (for the UAMP protocol description,
see documentation UAMP.doc).
List of the transferred fields:
Field
Indication
Format
Description
Prepaid code Id
CID
N..9
Prepaid code ID
Prepaid code
C1
ANS..20
Prepaid code or Prepaid login

126(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Field
Prepaid password
Additional information
1
Additional information
2
Additional information
3
Additional information
4
Additional information
5
Additional information
6
Additional information
7
Additional information
8
Additional information
9

Indication
C2
I1
I2
I3
I4
I5
I6
I7
I8
I9

Format
Description
ANS..20
Prepaid password
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer
ANS..300 Additional information to be displayed
to the customer

Account List
Contains the data on the customer accounts. They are used when a customer selects the
account (from or to) on condition that the terminal supports the account selection option.
The field is defined in the messages 110 and 210 if it is needed to select the account.
Transferred data format: structures array in the UAMP format (for the description of UAMP
protocol, refer to documentation UAMP.doc)
Structures array:
{
int(9) Type;
str(30) Acct;
str(1000) CustAcct;
int(9) ToAcctClass;
str(250) Title;
str(250) VendorTitle;
str(1000) ExtraInfo;
int(3) Currency;
} [] AL
All the fields are of variable length. The value in brackets indicates the max length of field.
Description of structure fields:
Field Name
Description
( * - mandatory
parameter)
Type*
Account type:
1 account from
2 account to
Acct*
Account number
CustAcct
Customer personal information for payment
ToAcctClass
Destination account type for payment:
0 - Card Account
1 - BackDefined
127(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Field Name
( * - mandatory
parameter)
Title
VendorTitle
ExtraInfo
Currency

Description

2 - Vendor Account
Description of account/payment defined by customer
Vendor description for payment
Payment extra information to be printed on a receipt
Account currency

American Express Printed Card Security Code


It contains the AmericanExpress card security code. It usually present in the Card-notpresent transactions.
It is transferred in the messages 100, 200, 120, 220 for POS transactions. In the messages
420, the value is copied from the original transaction and is optional.
PCSC Length
It contains the length of the American Express PCSC value (3 or 4).
It can be transferred in the messages 100, 200, 120, 220 for POS transactions with the field
124.PCSC. In the messages 420, the value is copied from the original transactions and is
optional.
Customer Address
It consists of two sub-fields separated by character with the code 0x1:
1. PostalCode cardholder postal code;
2. Address cardholder address in the Latin uppercase letters. The numeric strings
must be transferred as digits, e.g.: "Thirty-One Park Place" should be transferred as
"31 Park Place".
It can be specified in the messages 100, 200 if it is required to verify the address and the
data are present in the transaction.
Address Verification Result
It contains the result of the cardholder address and postal code verification.
Available values:
Value
Description
A
Postal code verification is unsuccessful, address verification successful
N
Postal code and address verification is unsuccessful
U
No data for address verification
W
Postal code verification is successful, address verification unsuccessful
X
Postal code and address verification is successful
Other values Refer to VISA, MasterCard, American Express specifications.
If present, it is specified in the messages 100, 110, 200, 210, 120, 220. In the messages 130
and 230, the value is copied from the request and is optional.
If absent, the postal code and address were not verified.
Detail Addenda
It contains the information on the extra programs, services and peculiarities associated with
the financial transaction.
If present, it is transferred in the messages 100, 120, 200, 220.
Additional Balances
It contains the extra data on balances.
It is transferred in the messages 110, 210 if the data are present in the transaction.
Transferred data format: list of fields in the UAMP format (for the UAMP protocol description,
see documentation UAMP.doc).

128(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

List of the transferred fields:


Field
Indication
Ledger Balance
L
Ledger Balance Before
LB
Ledger Balance 2
L2

Format
N..15
N..15
N..15

Ledger Balance 2 Before L2B

N..15

Avail Balance
Avail Balance Before

A
AB

N..15
N..15

Avail Balance 2

A2

N..15

Avail Balance 2 Before

A2B

N..15

Bonus

N..15

Bonus Before

BB

N..15

Bonus 2

B2

N..15

Bonus 2 Before

B2B

N..15

Overdraft Limit
Temporary Overdraft
Debit Hold
Debit Hold Before
Credit Hold
Credit Hold Before

OL
TO
DH
DHB
CH
CHB

N..15
N..15
N..15
N..15
N..15
N..15

Description
Ledger balance after authorization
Ledger balance before authorization
Ledger balance after authorization, in
another currency*
Ledger balance before authorization,
in another currency
Available balance after authorization
Available balance before
authorization
Available balance after authorization,
in another currency
Available balance before
authorization, in another currency
Bonus(>0) / Debt(<0) after
authorization
Bonus(>0) / Debt(<0) before
authorization
Bonus(>0) / Debt(<0) after
authorization, in another currency
Bonus (>0) / Debt(<0) before
authorization, in another currency
Available overdraft
Temporary overdraft
Debit hold after authorization
Debit hold before authorization
Credit hold after authorization
Credit hold before authorization

All amounts are expressed in the currency min units.


The symbol - (minus) preceding the amount indicates the negative balance.
Balances in another currency are the balances in the currency other than the requested one
(see description of the field 105.3). If the balances are requested in the account currency,
balances in another currency are the balances in the transaction currency. If the balances
are requested in the transaction currency, balances in another currency are the balances in
the account currency. For TCI, balances in another currency are always the balances in the
transaction currency.
External Payment Gateway Fields
It contains the additional information on the payment received from the external payment
gateway.
It can be transferred in any messages.
Transaction ID
It contains the transaction identifier within TWO. It is filled only if the host interacts with Host
Interface Application. It can be used only if the host functions in the POS driver mode to
send the original transaction ID from the terminal for the reversal, merchandise return and
preauthorization completion transactions.
Processing Count
It contains the number of the request sending attempts. It is filled only if the host interacts
with Host Interface Application.
129(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Detail Addenda Ext


It is used to send various data on additional programs, services, industry peculiarities related
to the financial transaction.
If present, it is transferred in the messages 100, 120, 200, 220. The format of the data being
transferred is described in the XSD scheme tranAddendum.xsd.
HI Additional Data
It is used to send any additional data (except sensitive) related to the transaction.
If present, it is transferred in the messages 100, 120, 200, 220, 420. It is filled only if the host
interacts with Host Interface Application.
HI Additional Data Sensitive
It is used to send any additional sensitive data related to the transaction.
If present, it is transferred in the messages 100, 120, 200, 220, 420. It is filled only if the host
interacts with Host Interface Application.
Installment Data
It contains data on the Installment transactions.
It is transferred in the messages 100, 200, 110, 210.
The data are transferred as the list of fields in the UAMP format (for the UAMP protocol
description, refer to UAMP.doc).
List of fields transferred in the messages 110, 210:
Field
Indication
Format
Installment Plan
IP
N3
InstallmentPlanIndex
IPI
N3
Payment Term
PT
N2
Installment Type
IT
N2

Number of Installments
Compute Method

NI
CM

N..2
N1

Interest Rate

IR

ANS..15

Interest Free Months

IF

N2

First payment

FP

ANS..15

Last payment

LP

ANS..15

Monthly Installment
Amount
Total Installment
Amount
Outstanding Principal

MI

ANS..15

TI

ANS..15

OP

ANS..15

Description
Installment plan ID
Installment plan index
Installment period (in months)
Installment type.
Available values:
20 Issuer-financed
21 Merchant-financed
22 Acquirer-financed
Number of Installment payments
Payments calculation method
1 Declining Balance Out
2 Fixed Interest Out
Interest rate (number with decimal
point)
Number of months during which the
interests for Installment are not
charged. It cannot exceed the
Installment period.
First payment amount (number with
decimal point)
Last payment amount (number with
decimal point)
Monthly payment amount (number with
decimal point)
Total Installment amount (number with
decimal point)
Principal debt amount (number with
decimal point)

130(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Field
Outstanding Interest

Indication
OI

Format
ANS..15

Handling Fee

HF

ANS..15

Waive from Months


Waive to Months
Plan Type

WF
WT
TY

N2
N2
ANS1

Description
Interests and fees amount (number
with decimal point)
Processing fee (number with decimal
point)

Installment plan type


R Regular
P Promotion

The use of fields in the request and response is determined by the Installment type and/or
project requirements.
Network International Identifier
It defines the acquiring host in case TIC functions as the POS driver (HI SDK). If required, it
is transferred in the messages 100, 120, 200, 220.
Mobile POS Indicator
It sends the mobile terminal indicator for the requests VISA (October 2013 VisaNet Business
Enhancements). If required, it is transferred in the messages 100, 120, 200, 220.
POS Sender Type
It sends the sender type (if the host operates in the POS driver mode). It is specified for the
P2P Cash Transfer (POS P2P Credit) and P2P Transfer Calculate Fee (POS P2P Calc Fee)
transactions.
Available values:
1 unknown
2 on-us
3 resident
4 foreign
3-D Secure (E-Commerce) Data
It is used to transfer data required for the 3-D Secure transactions execution via the
TranzWare Online E-Commerce Protocol. It is transferred in the messages 100, 200, 110,
210 for the E-Commerce (3-D Secure) transactions. The format of data being transferred
the list of UAMP parameters corresponding to the TranzWare Online E-Commerce Protocol
fields. List of transferred fields:
Indication

3DS/PP

Format

N..12

Description

TranzWare Online ECommerce Protocol


Fields
Card alias, i.e. the card unique ID to EC/ProxyPAN
be used in the current operation. It is
also ID of the "3-D Secure Verify
Enrollment" (601) transaction in
TWO.
The parameter is mandatory for all
3-D Secure requests except for
3DVerifyEnrollment (601 "3-D
Secure Verify Enrollment") and
GetEnrolled (604 "3-D Secure Get
Enrolled").

131(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


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Indication

Format

Description

TranzWare Online ECommerce Protocol


Fields
EC/CheckProxyPAN/Rp/
PersonID
EC/3DVerifyEnrollment/
Rp/InsuranceSecretWor
d
EC/CheckProxyPAN/Rp/
InsuranceSecretWord

Cust/PID

N..16

Customer ID in the issuer system

Cust/ISW

ANS..60

Cust/UseCAP

N1

Cust/Enrolled

N1

Customer secret word. If the


customer recognizes his secret
word, The customer can be sure that
he received the answer from his
issuer, if he recognizes the secret
word.
Bit mask defining the necessity of
the
customer
dynamic
authentication. The bit values are as
follows (the numeration is in the
ascending order):
Bit 1 CAP authentication is
required
Bit 2 - SMS/E-mail authentication by
the dynamic password
Indicator of the card participation in
3-D Secure:
0 card does not participate in 3-D
Secure
1 authentication by Internet PIN
2 authentication by the alphanumeric password

Cust/NOC

ANS..100

Customer name embossed on the EC/CheckProxyPAN/Rp/


card
NameOnCard

ADS/QL

ANS..400
0

List of question required for EC/CheckProxyPAN/Rp/


subscription in E-Commerce in the Questions
UAMP format of the records array
{
int SeqNo;
int QType;
str QText;
}
SeqNo sequence number
QType question type
QText question text
Description of the QType field.
Available values:
1 Secret question;
2 Passport number;
3 Postal code;
4 Date of birth in the
YYYY/MM/DD format;
5 Card expiration date in the
YYYY/MM format;
6 Card CVV2/CVC2/PCSC
7 Secret question for the password
recovery

EC/3DVerifyEnrollment/
Rp/UseCAP
EC/CheckProxyPAN/Rp/
UseCAP

EC/GetEnrolled/Rp/Enro
lled
EC/3DVerifyEnrollment/
Rp/Enrolled
EC/CheckProxyPAN/Rp/
Enrolled

132(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Indication

Format

ADS/AL

ANS..400
0

ADS/ARL

ANS..400
0

Auth/NS

N1

Auth/NDP

N1

Description

TranzWare Online ECommerce Protocol


Fields
List of questions required for EC/ChangeAuthData/Rq
subscription in E-Commerce in the /AnsList
UAMP format of the records array
{
int SeqNo;
str Answer;
}
SeqNo Sequence number of the
question
Answer Response text except for
the card CVV2/CVC2/PCSC value
that should be transferred in the field
121.3 or 124.PCSC
List of authentication rules for the
EC/CheckProxyPAN/Rp/
customer to select the required one
AuthRuleList
during the ADS procedure. It is
presented in the format of the UAMP
array of records
{
int SeqNo;
int NeedStatic;
int NeedDynPwd;
int NeedCAP;
int NeedToken;
}
SeqNo rule sequence number
NeedStatic static authentication is
required (0 no; 1 yes)
NeedDynPwd SMS/E-Mail
authentication is required (0 no; 1
yes)
NeedCAP CAP authentication is
required (0 no; 1 yes, CAP; 2
yes, CAP+Challenge)
NeedToken authentication by
token is required (0 no; 1 yes)
It is required to use static EC/3DVerifyEnrollment/
authentication:
Rp/NeedStatic
0 no;
1 yes (Internet PIN);
EC/CheckProxyPAN/Rp/
2 yes (alphanumeric password);
NeedStatic
It is required to use static EC/ChangeAuthData/Rq
authentication
(defining
card /NeedStatic
authentication settings during ADS):
0 no;
1 yes
It is required to use SMS/E-Mail EC/3DVerifyEnrollment/
authentication (also defining card Rp/NeedDynPwd
authentication settings during ADS)
0 no;
EC/CheckProxyPAN/Rp/
1 yes
NeedDynPwd
133(153)

COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


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Indication

Auth/NC

Auth/NT

Dyn/AL

Format

N1

N1

ANS..400
0

Description

TranzWare Online ECommerce Protocol


Fields

EC/ChangeAuthData/Rq
/NeedDynPwd
It is required to use CAP EC/3DVerifyEnrollment/
authentication (also defining card Rp/NeedCAP
authentication settings during ADS)
EC/CheckProxyPAN/Rp/
NeedCAP
EC/ChangeAuthData/Rq
/NeedCAP
It is required to use authentication by EC/3DVerifyEnrollment/
token
(also
defining
card Rp/NeedToken
authentication settings during ADS)
EC/CheckProxyPAN/Rp/
NeedToken
EC/ChangeAuthData/Rq
/NeedToken
List of the abonent addresses for the EC/GetDynamicAuthAdd
dynamic authentication
ressList/Rp/List
{
str(20)* Channel;
str(200) Provider;
str(100)* Address;
str(100) FullAddress;
str(150) Title;
int* Default;
int* AbonentType;
int* UseForDynAuth;
int* Foreign;
} [] list of addressed:
Channel Channel
Provider Channel description
Address Abonent address in the
system
FullAddress Abonent postal
address
Title Abonent description
Default Use by default
AbonentType Abonent type (0
SMS; 1 E-Mail; 2 Token)
UseForDynAuth Abonent is used
for dynamic authentication (0 no
but can be used; 1 yes)
Foreign External abonent
attribute (0 no, abonent belongs to
this card; 1 yes, abonent belongs
to another card (or Telebank
customer) of the same customer)

134(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

Indication

Format

Description

TranzWare Online ECommerce Protocol


Fields

Abonent that is not currently used


for dynamic authentication can be
used
after
executing
the
UpdateAbonent request (607 - "3-D
Secure Update Abonent") for own
abonents and AddAbonent request
(606 - "3-D Secure Add Abonent")
for external abonents.
Abonent that does not belong to a
certain card can be used for
dynamic
authentication
after
executing the AddAbonent request
(606 - "3-D Secure Add Abonent").
ID of the password for the dynamic
EC/GenerateDynamicPa
SMS/E-mail authentication
ssword/Rp/PasswordId
EC/3DPayerAuth/Rq/Pa
sswordId
EC/ChangeAuthData/Rq
/PasswordId
Password for the dynamic SMS/E- EC/3DPayerAuth/Rq/Dy
mail authentication. It is transferred namicPassword
hashed in the upper case, padded EC/ChangeAuthData/Rq
with spaces/truncated to 8 symbols, /DynamicPassword
encrypted by the upper case
password
(DES
encryption
algorithm) padded with spaces/
truncated to 16 symbols. If the
password is absent, the transaction
is declined with the code 18 "SMS/EMail Dynamic Password
Requested".
Generated
dynamic
password EC/GenerateDynamicPa
number
ssword/Rp/PasswordNu
mber

Dyn/PID

N..9

Dyn/Pwd

AN16

Dyn/PN

N..9

Dyn/PF

N1

Format of the dynamic password EC/GenerateDynamicPa


being sent:
ssword/Rp/PasswordFor
0 clear value
mat
1 hash (refer to 2.4 "Password
Encryption Algorithm" of "TranzWare
Online E-Commerce Protocol")

Dyn/Ch

ANS..20

Channel

EC/GenerateDynamicPa
ssword/Rq/Channel
EC/AddAbonent/Rq/Cha
nnel
EC/UpdateAbonent/Rq/
Channel

135(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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Indication

Dyn/Ad

Format

ANS..100

Description

Address in the system

TranzWare Online ECommerce Protocol


Fields
EC/GenerateDynamicPa
ssword/Rq/Address
EC/AddAbonent/Rq/Add
ress

Dyn/Sc

ANS..20

Curr/AC

ANS..3

Curr/DP

N1

PA/CA

N1

PR/NPR

N1

PR/PRA

N1

PR/NSQ

ANS..150

PR/NSA

ANS..300

EC/UpdateAbonent/Rq/
Address
Notification scheme for the abonent EC/AddAbonent/Rq/Sch
being added to the card
eme
3-character letter ISO designation of EC/3DPayerAuth/Rp/Cu
the currency
rrAlphaCode
Number of decimal places for the EC/3DPayerAuth/Rp/Cu
specified currency
rrDecPlaces
CAVV calculation algorithm:
EC/3DPayerAuth/Rp/CA
2 CVV with ATN
VVAlgorithm
3 SPA AAV
4 AEVV
Password recovery (change without EC/CheckProxyPAN/Rq/
entering the old one) is required NeedPasswordRecovery
(requested by the customer): 0 no,
1 yes
EC/ChangeAuthData/Rq
/NeedPasswordRecover
y
Password recovery is allowed and EC/CheckProxyPAN/Rp/
possible: 0 - no, 1 - yes
PasswordRecoveryAllow
ed
Secret question for the password EC/ChangeAuthData/Rq
recovery. It can be set during ADS.
/NewPasswordRecovery
Question
Answer to the secret question for the EC/ChangeAuthData/Rq
password recovery. It can be set /NewPasswordRecovery
during ADS.
Answer

OFP Risk Level


It is used to transfer the transaction risk level in the response from OFP TWFA.
OFP External Data
It is used to transfer the transaction additional data in the response from OFP TWFA.
Terminal Additional Data
It contains additional data on the retailer/terminal.
It is transferred in the messages 100, 200, 120, 220.
The data are transferred as the list of fields in the UAMP format (for the UAMP protocol
description, refer to UAMP.doc).

136(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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List of fields:
Field
Payment Facilitator ID

Indication
FID

Format
N..11

Independent Sales
Organization ID

SOID

N..11

Sub-Merchant ID

SMID

ANS..15

Description
For the description of field, refer to
MasterCard Customer Interface
Specification, DE 48 Subelement 37
Subfield 1.
For the description of field, refer to
MasterCard Customer Interface
Specification, DE 48 Subelement 37
Subfield 2.
For the description of field, refer to
MasterCard Customer Interface
Specification, DE 48 Subelement 37
Subfield 3.

Avatar Id
Avatar Id, it is used for standard avatars only stored in ACS/TWIB/other systems.
Avatar Data
Avatar data in the Base64 encoding. It is used to transfer user avatars. In the binary format,
the data must not exceed 65535 bytes.
Avatar Info
Avatar information MIME type of data transferred in the AvatarData field. It is used for the
correct displaying of the user avatar in ACS/TWIB/other systems. Examples:
image/gif
image/jpeg
image/png

137(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

S-125 Administrative Transaction Data


Format:

ANS..99999 (LLLLLVAR)

Contains extra attributes of the administrative transaction. Its flexible structure allows to add
the new attributes, at that, avoiding the total disalignment between the host-interface
versions.
The field structure is identical to that of the field 123.
Currently, the field 125 transfers the following parameters:
Parameter
Indication
Format
Administrative transaction initiator
TI
N..9
ATM Hoppers
AH
ANS..2500
ATM Coins
AC
ANS..1500
ATM Deposit Value
ADV
ANS..1500
Administrative Transaction Initiator
Contains the code of the administrative transaction initiator. Available values:
0 terminal
1 operator
2 processing system (automatic generation)
The field is specified in the messages 620.
ATM Hoppers
Contains the data on the amount contained in the ATM hoppers.
The field is indicated in the messages 620 for the following transactions:
ATM Balancing
ATM Cutover
ATM Cutover and Balancing
Adjust ATM Hopper
Decrease ATM Hopper
Increase ATM Hopper
Format of data being transferred: structures array in the UAMP format (for the description of
UAMP, refer to documentation UAMP.doc).
Structures array:
{
int(9) Numbr;
int(9) Currency;
num(15,3) BegCash;
num(15,3) IncCash;
num(15,3) DecCash;
num(15,3) CashOut;
num(15,3) EndCash;
num(15,3) InReject;
num(15,3) BillValue;
num(15,3) DrumCashIn;
num(15,3) DrumCashOut;
num(15,3) DIVERT1;
num(15,3) DIVERT2;
138(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

num(15,3) RetractCount;
} [] AH
All the structure fields are of variable length. The value defined in brackets is the field max
length.
Structure fields definition:
Field Name
Numbr
Currency
BegCash
IncCash
DecCash
CashOut
EndCash
InReject
BillValue
DrumCashIn
DrumCashOut
DIVERT1
DIVERT2
RetractCount

Description
Hopper number
Hopper currency
Initial amount
Loaded amount
Removed amount
Withdrawn amount
Final amount
Amount rejected when calculating the notes
Notes denomination
Amount placed in drum
Amount dispensed from drum
Amount of rejected notes
Amount of rejected notes
Amount captured during withdrawal

ATM Coins
Contains the data on ATM hopper coins.
The field can be specified in the messages 620 for the following transactions (if the ATM
contains the hoppers with coins):
ATM Balancing
ATM Cutover
ATM Cutover and Balancing
Adjust ATM Coins
Decrease ATM Coins
Increase ATM Coins
Format of data being transferred: structures array in the UAMP format (for the description of
UAMP, refer to documentation UAMP.doc).
Structures array:
{
int(9) Numbr;
int(9) Currency;
num(15,3) BegCash;
num(15,3) IncCash;
num(15,3) DecCash;
num(15,3) CashOut;
num(15,3) EndCash;
num(15,3) InReject;
num(15,3) BillValue;
} [] A

139(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

All the structure fields are of variable length. The value defined in brackets is the field max
length.
Structure fields definition:
Field Name
Numbr
Currency
BegCash
IncCash
DecCash
CashOut
EndCash
InReject
BillValue

Description
Hopper Number
Hopper currency
Initial amount
Loaded amount
Rejected amount
Withdrawn amount
Final amount
Amount rejected when calculating the coins
Coins denomination

ATM Deposit Value


Contains the data on the CashIn ATM amounts.
The field can be specified in the messages 620 for the following transactions (for the CashIn
ATM ):
ATM Balancing
ATM Cutover
ATM Cutover and Balancing
Decrease ATM CashIn Hopper
Format of data being transferred: structures array in the UAMP format (for the description of
UAMP, refer to documentation UAMP.doc)
Structures array:
{
int(9) Currency;
num(15,3) Value;
num(15,3) Amount;
} [] ADV
All the structure fields are of variable length. The value defined in brackets is the field max
length.
Structure fields definition:
Field Name
Currency
Value
Amount

Description
Denomination currency
Notes denomination
Deposited amount

140(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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S-126 Preauthorization Parameters


Format: ANS 34
Includes data required for preauthorization. It consists of the subfields:
S-126.1
Original Transaction Invoice Number (ANS16) Original number on the cheque to
complete preauthorization,
S-126.2
Original Seq Number (ANS9) Original sequence number to complete
preauthorization,
S-126.3
Preauthorization Hold (ANS9) Preauthorization retention period, minutes.
It is specified in the 100, 200 messages. In the 110, 210 responses the value is copied from
the request.

141(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

S-127 Additional Information


Format:

ANS ..99999 (LLLLLVAR)

It is used for getting information from BackOffice and its transfer to the TWO terminals. It is
transferred in the messages 110 and 210 if the transaction code is Back Office Information
to Telebank or Back Office Information to FIMI (see the Transaction Codes dictionary).

142(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

S-128 Secondary MAC


Format: HEX 16
Includes Message Authentication Code for the messages, which have at least one field from
the range: S-65 to S-127. If there are no fields in this range, the P-64 element is used to
transfer MAC. In this case the P-128 element is not included in the message.
MAC is mandatory for all the messages, to the exclusion of the net ones if both sides are
agreed to use MAC. In TCI it is not specified.

143(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

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T RANZW ARE O NLINE CO RE BANKING INT ERFACE

8 Response Codes
The response code consists of 5 bytes, where the third byte (R) retain card feature, 4, 5 bytes
(RC) are filled in according to the table, the remaining bytes are zero-filled:
12345
00 R RC
Code

Title

Stand-In Authorizer Condition

00
01

None
Approved

Transaction is successfully conducted

02

Partially Approved

The transaction is successfully conducted for a partial


amount

03

Purchase Only Approved

The transaction is successfully conducted only for the


Purchase amount (for the transaction 118 Purchase with
Cashback)

10

Should Select Account Number

Account number is absent in the transaction request and


there are some accounts of the defined type and the
terminal supports the account choice

11

Should Change PVV

PVV must be changed (the PIN Change transaction is


allowed only)

12

Confirm Payment Precheck

Need to confirm the payment precheck results in the


payment online system

13

Select Bill

Bills list request transaction is successfully conducted.

14

Customer Confirmation
Requested

Need to confirm the operation pre-check results

15

Original Transaction not Found

Original transaction not found

16

Slip already Received

Slip already received

17

Personal Information Input error

Payment attributes error

18

SMS/EMail Dynamic Password


Requested

Dynamic authentication by password received in SMS/Email is required

19

DPA/CAP Dynamic Password


Requested

CAP authentication is required

20

Prepaid Code not Found

Prepaid code capture is impossible

21

Corresponding Account
Exhausted

Corresponding account balance is exhausted

22

Acquirer Limit Exceeded

Acquirer limit is exceeded

24

Dynamic PVV Expired

Dynamic PVV Expired

25

Weak PIN

Weak PIN

40

Lost Card

Lost card

41

Stolen Card

Stolen card

49

Ineligible Vendor Account

Invalid payment for the vendor

50

Unauthorized Usage

Unauthorized usage

144(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE
Code

Title

Stand-In Authorizer Condition

51

Expired Card

Expired card

52

Invalid Card

The card is invalid

53

Invalid PIN

The invalid PIN entered, the invalid PIN tries limit has not
been reached

54

System Error

System error

55

Ineligible Transaction

Ineligible transaction

56

Ineligible Account

Ineligible account

57

Transaction not Supported

Transaction not supported

58

Restricted Card

Restricted card

59

Insufficient Funds

The withdrawal amount exceeds the available account


balance

60

Uses Limit Exceeded

The card use limit is exceeded (ATM and POS)

61

Withdrawal
Exceeded

62

PIN Tries Limit was Reached

The invalid PIN tries limit is exceeded

63

Withdrawal Limit already Reached

The withdrawal limit is already reached

64

Credit Amount Limit

Deposit limit is reached

65

No Statement Information

There is no information for account statement

66

Statement not Available

The Statement request transaction is disabled

67

Invalid Amount

Invalid amount

68

External Decline

The transaction was declined by external host

69

No Sharing

Unmatched request (the card is not serviced in the


particular terminal)

71

Contact Card Issuer

Contact card issuer

72

Destination not Available

The authorization host is not available, for TCI the side is


Offline

73

Routing Error

Routing error

74

Format Error

Format error

75

External Decline Special


Condition

The transaction is declined by the external host following


the special condition (cardholder is under suspicion)

80

Bad CVV

Bad CVV

81

Bad CVV2

Bad CVV2

82

Invalid Transaction

Invalid transaction (the transaction with such attributes is


prohibited)

83

PIN Tries Limit Exceeded

Bad PIN-code tries limit is already reached (i.e. the bad


PIN-code tries limit has been reached and the valid PIN is
entered)

84

Bad CAVV

Bad 3D Secure Cardholder Authentication Verification


Value

85

Bad ARQC

Invalid value of the ARQC cryptogram

Limit

Would

be

As a result of the transaction authorization, the withdrawal


limit will be exceeded

145(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

9 Reversal Codes
The reversal reason code consists of 5 bytes 1-3 bytes are zeros, 4-5 bytes as described in the
table.
Code
01
02
03
08
10
11
20
21
22
23
24
30
40
41
50
51

Title
Time Out
Invalid Response
Destination not available
Cancel
Hardware Error
Completed Partially
Suspect
MAC Failure
MAC Key Error
Reply Error
Invalid MAC
Visa BASE-I Advice
Corresponding Account Exhausted
Cumulative Acquiring Limit Exceeded
Relative Transaction Declined
Confirmation Transaction Declined

146(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

10

Transaction Reasons (Reason field)


Code

Description

Online Re-presentment, see 4.2


2020,2022,
[20-97]

Refer to VISA documentation

VISA Stoplist Processing


Card status in VISA Stop list. The field is specified for the transactions with the codes 220 or 222.
Available values:
Lost=3000, Stolen=3001, VIP=11, Deny=5, Referral=1, Pickup=4, Pick up Card, Special attention=7
VIP High value activity level 1 = 12, VIP High value activity level 2 = 13, VIP High value activity level 3 = 14,
VIP High value activity level 4 = 15, VIP High value activity level 5 = 16, VIP High value activity level 6 = 17,
VIP High value activity level 7 = 18, VIP High value activity level 8 = 19, VIP High value activity level 9 = 20
MasterCard Stoplist Processing
Card status in MasterCard Stop list. The field is specified for the transactions with the codes 220,224,222,225.
Available values:
Pickup=4, VIP=11, Other=30, Credit-31, Gold=33, Unauthorized=34, RecurringPayment=35, Lost=3000,
Stolen=3001, Undeliver=3002, Counterfied=3003, Fraudulent=3701

147(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

11

BS and TCI States

BS and TCI can be in the following states: Online ready to send and receive data, Offline
not ready, Inquiry BS only returns balances, whereas TCI is responsible for authorization. Each
side has got own state, i.e. BS is Online, whereas TCI is Offline. On changing the state, send an
administrative message (MTI=0800) informing the second side about that. The state details are
transferred in the field 70: 001 Online, 002 Offline, 004 - Inquiry. On establishing connection,
both sides should send administrative messages to inform on their current state.
Since each side has got own state, define the communication mode.
Online state is a low priority, whereas Offline state is the highest priority. If the states of the
sites differ, a state of higher priority goes into effect. E.g.: if TCI is Online, BS is in the Inquiry state,
the Inquiry state goes into effect.
In the Inquiry state, TCI transfers only requests with the transaction type 0103 Balance
Request. On receiving such message, BS should not register the transaction in the own system (as
an independent entry) and should return balances in the message 0113. TCI receives balances and
decides whether to approve or decline the transaction basing on the balance data. If the available
balance amount exceeds or is equal to the transaction amount with issuer fee, the transaction is
approved, otherwise it is declined. The very transaction is put on SAF (Stored and Forwarded) deferred transactions queue. It is transferred to BS Online.
Use the Inquiry state prior to BS will proceed to the Offline mode with the account balances
update through their posting in the responses. Once transition to the Inquiry state is completed, BS
may start to prepare the balances file. Transition from the Inquiry state to the Offline state is
recommended to perform only after the balances file is loaded (you may also define the Required
State=2 parameter, see p. 9.1).
BS can move to the Offline state due to its proceeding to the End of Day or some other
reason. In the first case, BS should send an administrative message 800 with the value 003
Cutover offline in the field 70. On receiving such a message, TCI changes its state to Offline. To
continue operation, both BS and TCI should proceed to the Online mode.
In response to the administrative request (0810), field 39 transfers the current state of the opposite
side 00001 Online, 00072 Offline, 00097 Inquiry. Responses 00072 and 00097 can be present
in response to any request for authorization (110/210), notification (130/230) or reversal (430). On
receiving such response, the receiving side understands that the opposite side has proceeded to
the respective state and changes the communication mode.
If BS, being in the Inquiry state, has received a request with the transaction type different
from 103, the request is declined with the response code 00097 Inquiry Only (field 39). TCI
changes the communication method after BS has proceeded to the Inquiry state.
The Inquiry state does not restrict sending the messages from BS to TCI. Being in the
Inquiry state, TCI will receive messages 120/220 from BS.
Balances file loading is available only when TCI is in the Offline and Inquiry states.

148(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

12

TCI Balances and Turnovers Files Format

12.1 Balances File


The balances file contains the card account ledger and available balances. The file incorporates a
header string and balances records. Each balance record indicates the account. An account is
created in case it is absent in TWO. Records in the file are separated by the CR LF sequence.

Header Format:
Position

Length

Type and Format

Description

1
2
3

1
8
1

Char (const B)
Date - yyyymmdd
Char ( 0 |1|2)

Char (0 | 1)

File type (balances file)


Business date
Required state the state TCI moves to after loading the
balances file:
0 do not change current state,
1 move to Online,
2 move to Offline.
CRC verification:
0 disabled
1 enabled

Record Format:
Field
Account number
Separator
Account type
Separator
Account currency
Separator
Account balance
Separator
Available balance
Separator
Checksum (CRC16)

Format
Str(30)
,

Int(2)
,

Int(3) currency digital code


,

Num(15,3)
,

Num(15,3)
,

Int(5)

Notes:
Account balance and available balance contain a decimal point. The sign - precedes each negative
value.
Account type: 1 checking; 11 savings; 31 credit.
The checksum (CRC16) is calculated on the data string up to the last separator. If CRC verification
is disabled, it is possible not to specify the last separator and checksum.

149(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

12.2 File of Turnovers


The file contains the account balances change. The file comprises a header string and strings with
turnovers. Each record in a file concerns one account. The records are separated by the CR LF
sequence.

Header Format:
Positio
n
1
2
3

Length
1
8
1

Type and Format


Char (const O)
Date - yyyymmdd
Char (0 | 1)

Description
File type (turnovers file)
Business date
CRC verification:
0 disabled
1 enabled

Record Format:
Field
Account number
Separator
Account balance turnover
Separator
Available balance turnover
Separator
Checksum (CRC16)

Format
Str(30)
;
Num(15,3)
;
Num(15,3)
;
Int(5)

Notes:
The turnover amount contains a decimal point. Account debit is marked by -, e.g.: -1234.56.
If the available or ledger balance turnover on the particular account is absent, it is skipped. E.g.:
0001234567,,-1234.56 account balance turnover is absent or 0001234567,-1234.56, thus the
available balance turnover is absent.
It is possible that several strings with turnovers on one and the same account are present. In this
case the turnovers are applied to the account balances successively.
The checksum (CRC16) is calculated on the data string up to the last separator. If CRC verification
is disabled, it is possible not to specify the last separator and checksum.

150(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

13 Recommendations on Processing of Chip Card Transactions


The recommendations are based on EMVCo Recommendations for EMV Processing for
Industry-Specific Transaction Types v.1.1, Dec.2008. There are the following types of transactions
initiated by chip cards:
1. EMV Transaction Executed by Complete Scheme. It is a debit financial transaction
(purchase of goods/services or disbursement of cash) that is executed regarding all
mandatory functionality described in the EMV specifications. Approved Transactions of such
type must result in generation of TC cryptogram. If the card decides to authorize the request
online, the acquirer transmits the ARQC cryptogram and all the data used by card to
calculate the cryptogram in the field 55 of the authorization request. Also, the value 91 (EMV
Chip) must be specified in the field 25 and the chip entry mode is indicated in the field 22.
2. EMV Transaction Executed by Simplified Scheme (Non-EMV Transaction using EMV
functionality in the EMVCo recommendations). It is non-financial transactions, e.g.,
informational and technical requests, deposit, adjustment, pre-authorization completion
transactions. The terminal is able to execute such transaction by the complete scheme, in
this case, the request is created according to the requirements described in p.1. To execute
the transaction by the simplified scheme following the EMVCo recommendations, the
terminal selects the application, initiates the transaction by card, reads the payment
application data sufficient for authorization request creation, and completes by the AAC
cryptogram request. In the authorization requests, the acquirer must send the value other
than 91 (EMV Chip) in the field 25 and specify the chip entry mode in the field 22. The
uncritical issuer script can be transferred in the tag 72 of the field 55 of the response to the
transaction executed by the simplified scheme. It is impossible to transfer the critical issuer
script in the tag 71 of the response field 55.
3. Fallback to Magnetic Stripe. It is the Fallback if the field 25 contains the value 91 (EMV
Chip), the field 55 is absent and the specified card entry mode is not chip (the field 22), that
is, it is not equal to 05x, 95x.
The notifications on transactions completed offline without the host connection establishing
must be sent as requests with MTI 0120 or 0220. In this case, they will be processed by host as
electronic Slip.
The acquirer host must not transfer the chip fields from the original request in the requests for
adjustment and preauthorization completion. It is recommended to use the simplified scheme to
execute the adjustment or preauthorization completion transaction if the transaction is executed by
the chip card as original transaction.
In the reversal requests, the acquirer can transfer the chip fields from the original request,
except for the following fields: Terminal Verification Results, Issuer Application Data and Issuer
Script Results. If the acquirer does not transfer the original chip fields in the reversal, the issuer host
uses the chip data from the original request.

151(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

14 Recommendations on Processing of Contactless Card


Transactions
A set of fields in the message authorizing the contactless chip card transactions is identical to
that presented in the message authorizing the EMV transactions; the same applies to the
contactless magstripe card transactions. Therefore, for the proper processing of transactions by the
contactless cards, the acquirer should explicitly define the contactless entry mode in the field 22.
To ensure the proper unloading of information on the cardholder verification procedure to
clearing file, the tag 9F34 CVM Results must be transferred in the requests for PayPass
MagStripe transactions. The values of this tag are created according to the EMV specifications.

Method

Value

Online PIN

020000

Signature
No CVM

1E0000
1F0002

Samples of CVM Results values for the PayPass MagStripe transactions:


Description
Fail CV if unsuccessful - Online Encrypted PIN - Always - Result
unknown
Fail CV if unsuccessful - Signature (paper) - Always - Result unknown
Fail CV if unsuccessful - No CVM - Always - Result successful

152(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.

T RANZW ARE O NLINE INT ERCO NNECT IO N


T RANZW ARE O NLINE CO RE BANKING INT ERFACE

15 Recommendations on Processing of POS P2P Calculate Fee


Transactions
A set of fields in the POS P2P Calculate Fee transaction is identical to that in the P2P transfer
transaction. At that, the P2P transfer additional information is provided:
Field 124.PST (POS Sender Type) transfer sender type (see the field description).
Field 110 (Numeric Message) transfer source type. To calculate the cash transfer fee, the
value 4 must be specified.
For the cash transfer, the destination card number must be specified in the PAN and PAN2 fields.
For the card-to-card transfer: the source card data are specified in the PAN/Track fields, the
destination card - in PAN2.

153(153)
COMPASS PLUS
Confidential, v.2.91e, 14.03.2015. Developed by: Confirmed by:
1998-2015 Compass Plus Ltd.