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STAR ISO 8583 Message

Format Guide

February 2011
Version 3.3
© 2002-2011 FIRST DATA CORPORATION
All Rights Reserved.
Printed in U.S.A.

This document contains confidential and proprietary information of First


Data Corporation. You may not disclose, copy or use any portion of these
materials for any purpose without the express written consent of First
Data Corporation.

All trademarks, service marks, and trade names referenced in this


material are the property of their respective owners.
Periodic revisions to this manual are issued to reflect technical changes
and enhancements to the System, and to ensure that all information
contained herein remains current and accurate.
3

Revision Guide February 2011

Chapter Updated Description of Change

Chapter 1 Updated Introduction

Chapter 3 Updated tables:

■ Table 3.11: 0100/0101 Pre-authorization Request

■ Table 3.12: 0110 Pre-authorization Response

■ Table 3.13: 0120/0121 Pre-authorization Advice

■ Table 3.15: 0200/0201 Financial Transaction Request

■ Table 3.16: 0210 Financial Transaction Response

■ Table 3.17: 0220/021 Financial Transaction Advice

■ Table 3.33: 0420/0421 Acquirer Reversal Advice

Chapter 4 Updated elements:

■ DE 042 Card Acceptor/Merchant Identification Code

■ DE 125 Network Management Information/Tagged Issuer


Data

Chapter 9 Updated Table 9.1: Valid Response Codes

■ Added ‘A1’, ‘A2’ and ‘S7’

Chapter 11 Updated Table 11.9: Position 9-10: Terminal Type

Chapter 13 Updated Data Element 104: Transaction Description -


Interchange Group Identifier Values

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Table of Contents
Part 1: STAR ISO 8583 Message Format Guide 8
Chapter 1: Introduction 9
Chapter 2: Operational Considerations 10
Overview 10
Considerations 11
Chapter 3: Message Formats 22
Message Structure 22
Message Types 22
Repeated Messages 23
Pre-authorization Messages 23
Financial Transaction Messages 25
File Maintenance Messages 26
Card Activation Messages 29
Reversal Messages 29
Administrative “Error” Messages 32
Network Management Messages 33
Bit Maps and Data Elements 34
Message Layouts 35
Bit Number and ISO Field (Data Element) Name 35
Data Type 35
Requirements – Trnsmit / Recv 37
Notes 38
Pre-authorization Messages 39
0100/0101 Pre-authorization Request 39
0110 Pre-authorization Response 46
0120/0121 Pre-authorization Advice 53
0130 Pre-authorization Advice Response 60
Financial Transaction Messages 62
0200/0201 Financial Transaction Request 62
0210 Financial Transaction Response 70
0220/0221 Financial Transaction Advice 77
0230 Financial Transaction Advice Response 85
File Maintenance Messages 87
0300 Acquirer File Update Request (Negative File) SE/W
Platforms 87
0302 Card Issuer File Update Request (Negative File) 89
0310 Acquirer File Update Response (Negative File) SE/W
Platforms 90

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0312 Card Issuer File Update Response (Negative File) 90


0322 Negative File Update Advice 92
0332 Negative File Update Advice Acknowledgement 93
0382 PIN Change Request 93
0392 PIN Change Reply 95
0382 PIN Offset File Update Request 96
0392 PIN Offset File Update Reply 98
0382 Card Activation Request 100
0392 Card Activation Reply 100
0384 PIN Change Advice - NE Platform 102
0394 PIN Change Advice Acknowledgement - NE
Platform 102
Reversal Messages 104
0420/0421 Acquirer Reversal Advice 104
0430 Acquirer Reversal Response 112
Administrative Messages 114
0620 Administrative Advice 114
Network Management Messages 115
0800 Network Management Request 115
0810 Network Management Response 116
Chapter 4: Data Element Definitions 117
STAR ISO 8583 Message Data Formats 117
Unsupported Data Elements 117
Data Elements 119
Part 2: Reference Material 216
Chapter 5: Data Element Index 217
Data Element by Alphabetical Element Description 217
Chapter 6: Format Options 223
ASCII/EBCDIC Table 223
Check Digit Calculation 235
Modulus 10 Check-Digit Routine 235
Example 235
Luhn Formula 236
Example 236
Chapter 7: Data Element 003: Processing Codes 237
ATM 237
Mandatory (Issuer/Acquirer) 237
Optional (Issuer/Acquirer) 238

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Point of Sale 240


Mandatory (Card-Issuer Processor Only) 240
Mandatory (Acquirer Only) 243
Optional 243
Chapter 8: Data Element 018: Merchant Type 244
Merchant Type Codes - Numerical Order 244
Merchant Type Codes - Alphabetical Order 276
Chapter 9: Data Element 039: Response Codes 310
Chapter 10: Data Element 054: Additional Amounts 317
Overview 317
Account Balance Handling 318
Partial Amount Authorization 318
STAR SE/W Platform 318
STAR NE Platform 319
Pre-authorized Amount Completion 320
Account Type 320
Amount Type 321
Currency Code 323
Amount 324
Chapter 11: Data Element 058: National Point of Service 325
DE 058 - Position 1: Terminal Operation 325
DE 058 - Position 2: Customer Operation 325
DE 058 - Position 3: On/Off Premise 325
DE 058 - Position 4: Cardholder Present 326
DE 058 - Position 5: Card Present 326
DE 058 – Position 6: Device Card Retention 327
DE 058 – Position 7: Transaction Disposition 327
DE 058 – Position 8: Security Condition 328
DE 058 – Position 9-10: Terminal Type 329
Sample STAR ISO Acquirer P-58 Combinations 331
Chapter 12: Data Element 060: Advice/Reversal Reason Code 334
Reversal Reason 334
Advice Reason 335
Chapter 13: Data Element 104: Transaction Description - Interchange
Group Identifier Values 337
Chapter 14: Data Element 105: Large Private Data 343
POS Payment Transactions 343

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Account List Inquiry 344


Account Balance Profile 346
Enhanced Balance on Receipt 349
Chapter 15: Data Element 121: Additional Data, Private Issuer 352
Statement Processing 352
0200 Message Statement Data Request 352
121Additional Data, Private Issuer – Statement Data
Request 352
0210 Statement Data Reply Message 353
121Additional Data, Private Issuer – Statement Data
Reply 353
DE 121 – Statement Data Fixed Segment (32 Bytes) 354
DE 121 Reply Fixed Segment (11 Bytes) 357
DE 121 Reply Detail Segment (31 Bytes) 358
DE 121 Reply Header Segment (72 Bytes) 359
DE 121 Reply Trailer Segment (72 Bytes) 359
Chapter 16: Country/Currency/State Codes 360
Country/Currency Code 360

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Part 1: STAR ISO 8583 Message


Format Guide

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Confidential and proprietary to First Data February 2011
Chapter 1 9

Introduction

This guide is intended for decision makers evaluating the STAR Network
transaction processing and the programmers and analysts who design,
implement, and support the system.

The STAR ISO 8583 Message Format Guide provides information for
processing online transactions using a standard ISO interface message
structure on all STAR processing platforms: Northeast (NE), Southeast (SE)
and West (W). It is the first book in the STAR ISO 8583 series, which consists
of the following manuals:

Manual Title Description

STAR ISO 8583 Message The STAR ISO 8583 Message Format Guide provides
Format Guide information for processing online transactions using a
standard ISO interface message structure on all STAR
processing platforms.

STAR ISO 8583 Gateway/ The STAR ISO 8583 Gateway/Product Interface Guide
Product Interface Guide provides additional processing information for
Gateway, Electronic Benefits Transfer, and STAR
Product processing.

STAR Platform Interface The STAR Platform Interface Guide is the technical
Guide interface to the STAR processing interface. Information
includes protocols, encryption standards and
telecommunications procedures. The information
presented is delineated by each STAR platform.

File Layouts Separate file layouts are variable by Platform and are
available on the STAR STATION® portal or upon
request.

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Chapter 2 10

Operational Considerations

Overview
The STAR ISO 8583 message format presents many opportunities for
processing and reporting. Listed below are specific considerations for clients
who are unfamiliar with ISO message formats to review to determine how
STAR ISO 8583 use will impact their business process:

■ Transaction Amount ■ Currency Information

■ Merchant Type Code ■ Point of Service Information

■ Convenience Fees (Surcharge and ■ Response Codes


Rebate)

■ Location Information ■ Additional Amount Information

■ Network Identifiers ■ Merchant Authorized Transactions

■ Merchant Authorized Submissions ■ Matching POS Pre-authorization to


and Resubmissions Processing Financial Completions

■ Routebacks ■ Over/Under Dispense Reversals

■ Corrections/Cancellations ■ STAR ISO Message Handling

■ Repeat Transactions

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Chapter 2: Operational Considerations 11

Considerations
Transaction Amount

Fields DE 004 Amount, Transaction

DE 005 Amount, Settlement

DE 006 Amount, Cardholder Billing

Considerations ■ When a STAR cardholder is performing an ATM or POS transaction in


a currency of other than US dollars, and if the acquiring network
passes "multi-currency" fields in request messages, then DE 004 will
contain the transaction amount in the acquirer's currency, and will
contain the transaction amount in US dollars. Therefore, when both
DE 004 and DE 005 are present in the transaction, DE 005 will
contain the amount to be debited from or credited to the cardholder's
account. Processors should consider making both fields available on
the customer’s statement and reporting both amounts on internal/
settlement reports. Having both amounts available will aid in
resolving consumer questions relating to international transactions.

■ Because the STAR platform is settled in US dollars and currently all


STAR issuers are US-based issuers, DE 005 (Amount, Settlement)
and DE 006 (Amount, Cardholder Billing) for non-US dollar
transactions are always equal. When they are equal DE 006 is by
default suppressed.

■ For MasterCard transactions that include a currency conversion


assessment (CCA) fee, DE 005 contains the sum of the transaction
amount and the CCA. STAR issuers on the SE/W Platform have an
option to be passed DE 006 - which will contain the transaction
amount without the CCA fee. STAR issuers on all STAR platforms
receive (or have the option to receive) the CCA fee in DE 055. For
transactions involving CCA, the amount in DE 006 + DE 055 = DE
005.

■ When a cardholder of a non-US-based issuer uses a STAR ATM or POS


device, and the issuing network passes "multi-currency" fields in
response messages, then the STAR ISO acquirer may receive DE 006
(Amount, Cardholder Billing) in the response message. The STAR
terminal owner is not required to retain this field.

■ See also Chapter 16 in this manual and the STAR ISO 8583 Gateway/
Product Interface Guide for additional information.

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Currency Information

Fields DE 009 Conversion Rate, Settlement

DE 010 Conversion Rate, Cardholder Billing

DE 016 Date, Conversion

DE 019 Acquiring Institution Country Code

DE 049 Currency Code, Transaction

DE 050 Currency Code, Settlement

DE 051 Currency Code, Cardholder Billing

DE 114 Country Code, Authorizing Agent

Considerations ■ All STAR terminal owners are within the US and settle in dollars;
therefore, the STAR Switch does not support currency conversion
between STAR Members.

■ Other networks to which a STAR network is connected (e.g., CIRRUS


and PLUS) support international transactions. Therefore, the currency
information can be valuable for participants of the international
networks.
For example, if a STAR cardholder used an ATM in Europe, the
STAR ISO request message would provide information about the
type of currency which was dispensed, the country in which the
terminal was located, the date of the currency conversion, and the
rate at which the currency was converted to US dollars. If the
cardholder later questioned the transaction, the issuing institution,
which retains the currency information, would be able to relay the
pertinent information to the cardholder.

■ The Acquirer Institution Country Code would be valuable to business/


marketing areas to determine where their customers are traveling to
outside of the US.

Merchant Type Code

Fields DE 018 Merchant Type

Considerations STAR ISO 8583 processing provides a field in the request message
which identifies the type of merchant. This field is particularly important
in Point of Service (POS) transactions when determining where
cardholders are purchasing goods and services. Armed with this
information, Card Issuers can determine appropriate authorization edits
by industry and assess where cards are being used.

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Point of Service Information

Fields DE 022 Point-Of-Service Entry Mode

DE 025 Point-Of-Service Condition Code

DE 058 National Point-Of-Service Condition Code

Considerations ■ DE 022 must be present for all POS transactions, and is optional (but
recommended) for ATM transactions.

■ DE 058 must be present for all transactions.

■ Special transaction processing might also be necessary, depending


upon the content in these fields. For example, the Card-Issuer
Processor might want to perform special processing on a merchant
authorized resubmission transaction. The Card-Issuer Processor
might also use the terminal type code to determine what type of fees
(if any) are to be charged to the customer.

■ DE 025 Point-Of-Service Condition Code is optionally used/available


on the STAR SE/W platforms. It may only be sent/received to
supplement the information in DE 058. It may not be used without
DE 058. When DE 025 is sent to STAR issuers, it will generally contain
information that was received from other networks (e.g., Visa)
behind STAR‘s.

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Convenience Fees (Surcharge and Rebate)

Fields DE 028 Amount, Transaction Fee

DE 029 Amount, Settlement Fee

Considerations ■ The STAR network allows surcharging or rebating of transactions by


terminal owners. The amount of the transaction must be reported
separately from the amount of any surcharge/rebate in the online
transaction.

■ Note that when STAR cardholders are performing transactions in a


non-US currency, and a surcharge is being assessed, the surcharge
amount in DE 028 will be in the acquirer's currency, and in DE 029 in
US currency. Therefore, when both DE 028 and DE 029 are present in
the request message, the issuer processor must use the amount from
DE 029 for posting the fee to the cardholder's account.

■ The Card-Issuer Processor has new options relating to the handling of


surcharge/rebates. First, the Card-Issuer Processor can now exclude
the surcharge/rebate amount when checking the cardholder limits
(thereby avoiding the problem of customers requesting their full limit
being denied for over-limit because the Acquirer Processor added a
surcharge). Secondly, the Card-Issuer Processor can report the
transaction amount separately from the surcharge/rebate amount on
the customer's statement.

Response Codes

Fields DE 039 Response Code

Considerations A Card-Issuer Processor must support a minimum set of response


codes. The remaining codes can be optionally supported by the
Card-Issuer Processor. STAR ISO Acquirer Processors must ensure they
map all of the response code values to existing terminal screens, or
have created new screens to support the codes. Acquirer Processors
that track response codes for reporting purposes must take into
account all response codes and make modifications where necessary.

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Chapter 2: Operational Considerations 15

Location Information

Fields DE 043 Card Acceptor Location

DE 048 Member Institution/Merchant Name

Considerations STAR ISO 8583 processing provides significantly more space for
location information than many other networks. STAR Acquirer
processors must populate both DE 043 and DE 048 in request
messages. STAR Issuer processors will be passed DE 043 and DE 048 in
all messages, thus enabling cardholder statements to list meaningful
location information. See Chapter 4 of this guide for additional
information.

Additional Amount Information

Fields DE 054 Additional Amounts

Considerations As STAR network transaction processing options continue to increase in


number, the usages of DE 054 likewise increase. See Chapter 4 and
Chapter 10 of this guide for additional details.

Network Identifiers

Fields DE 063 STAR Identification Data

Considerations ■ For transactions involving an acquiring or issuing network of other


than STAR, DE 063 is used to convey a three-position alphanumeric
acquirer or network "network ID" to identify the other network.

■ DE 063 is also used to carry pseudo terminal IDs, processor IDs, and
processing flags that are needed to support partial amount approvals.

■ Please see Chapter 4 of this guide and the STAR ISO Gateway /
Product Interface Guide for additional information.

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Merchant Authorized Transactions

Considerations Merchants or Merchant Processors may authorize transactions on behalf


of the Card-Issuer Processor under two varying scenarios:

◆ Scenario 1: The Merchant Processor connection to the network is


unavailable and cannot receive an authorization or denial response
for a transaction (this is commonly referred to as “Merchant Store &
Forward”).

◆ Scenario 2: The Merchant or Merchant Processor receives a denial


from the Card-Issuer Processor for Insufficient Funds (response code
‘51’) or Exceeds Limit (response codes ‘61’, ‘65’), and chooses to
over-ride the denial from the Card-Issuer Processor and approve the
transaction for the customer.
Merchant Authorized Transactions, other than pre-authorized completion
transactions meeting the requirements in the Operating Rules, are at the
risk of the Merchant. The STAR Switch shall neither authorize nor decline
Merchant Authorized Transactions on behalf of the Processor. If the
Card-Issuer Processor is unavailable to authorize or decline a Merchant
Authorized Transaction, the Switch shall deny the transaction as “Issuer
Inoperative” to the Merchant or Merchant Processor.

Valid response codes for Resubmission of Merchant Authorized


Transactions Scenario #1 (Merchant Store & Forward)

Response Code Description


‘51’ Not Sufficient Funds
‘55’ Invalid/Incorrect PIN
‘61’
Exceeds Withdrawal Amount Limit
‘65’
Exceeds Withdrawal Frequency Limit
‘75’
Allowable PIN Tries Exceeded
‘76’
Key Sync Error

Valid response codes for Resubmission of Merchant Authorized


Transactions Scenario #2:

Response Code Description


‘51’ Not Sufficient Funds
‘61’ Exceeds Withdrawal Amount Limit
‘65’
Exceeds Withdrawal Frequency Limit

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Chapter 2: Operational Considerations 17

Merchant Authorized Submissions and Resubmissions Processing

Considerations ■ The initial submission of a Merchant Authorized Transaction is


referred to as an 'Original Submission'. Subsequent submissions of a
Merchant Authorized Transaction, following a denial of the Original
Submission, are referred to as a 'Resubmission'.

■ An Original Submission may be sent to the STAR Switch once, except


when it is denied by the STAR Switch for 'Issuer Inoperative'. Original
Submissions denied by the STAR Switch for 'Issuer Inoperative' may
be re-sent to the network Switch once every 30 minutes until an
approval or denial (other than Issuer Inoperative) is received.

■ Data Elements for submission and resubmission transactions:

DE 002 PAN (required if DE 035 is not provided)

DE 013 Local Date (date transaction occurred).

DE 022 Point of Service Entry Mode

◆ Set to ‘021’ on Submission (with Track and PIN)

◆ Set to ‘022’ on Resubmission (with Track and


without PIN)

◆ Set to ‘012’ on Resubmission (without Track and


without PIN)

DE 035 Track 2 Data on submissions (optional on


resubmissions)

DE 052 PIN Data on submissions (not present on


resubmissions)

DE 058 National Point of Service Condition Code

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Merchant Authorized Submissions and Resubmissions Processing (cont.)

■ STAR ISO 8583 Acquirer Processors are required to transmit the PIN,
Track 2 Data and the Capture Date on the first submission of a
Merchant Authorized Transaction.

■ Resubmissions can be transmitted only one time during a 24-hour


period during a 12-day time frame.

■ In addition, the National Point of Service Condition Code must be


updated.

■ Position 7 should be set to 4 on all initial submission transactions. All


resubmissions should be set to 5.

■ All additional information contained in DE 058 should remain the


same throughout the Life of the Transaction.a

a. “Life of the Transaction” is defined as the initial request and response, as well as any
corrective processing associated with it such as a reversal.

Corrections/Cancellations

Considerations ■ Following receipt of a POS transaction, any correction or cancellation


of the amount of the transaction must be initiated by swiping the
magnetic stripe on the card and entering the PIN. The correction or
cancellation may be for all or part of the original transaction amount
and must be initiated within 24 hours of the original transaction.

■ STAR Acquirer Processors imposing a Convenience fee (surcharge) on


the original transaction must separate the surcharge amount in the
correction/cancellation transaction. The surcharge amount is
contained in Amount, Transaction Fee (DE 028).

Routebacks

Considerations A STAR processor will find multiple records for the same transaction
when the issuing and acquiring interfaces both belong to the same
processor and all transaction activity is reported in one User File. An
Acquirer Processor may choose to route their on-us activity to the STAR
Switch, which will route it back to the processor. Note: these
transactions will be fee billed twice: once for the acquirer transaction
and once for the issuer transaction.

Platform The STAR NE Platform does not support this option.


Distinction

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Over/Under Dispense Reversals

Fields DE 095 Replacement Amounts

DE 056 Replacement, Additional Fees

Considerations ■ Over- and under-dispense reversals are supported via an 0420


message, not as an additional debit transaction.

■ DE 095 should be populated with the amount actually dispensed


(e.g., an amount greater or less than the original amount requested).

■ DE 095 should not be populated with amount equal to the original


amount in DE 004 or DE 005, because if the amount dispensed
equaled the amount requested, then reversal would have no net
effect.

■ Zero-dollar reversals (where the amount in DE 004 or DE 005 is zero)


are not permitted.

■ Transactions that include a MasterCard Currency Conversion


Assessment (CCA) fee and are reversed for an over- or
under-dispense, will include DE 056 to convey the replacement CCA
fee.

■ Please see Chapter 4 of this guide and the STAR ISO Gateway /
Product Interface Guide for additional information.

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Matching POS Pre-authorization to Financial Completions

Fields DE 038 Authorization Identification Response

Considerations ■ For signature debit POS transactions, the following matching criteria
are recommended:

◆ DE 002 (or DE 035 or DE 045) – Primary Account Number (PAN)

◆ DE 038 – Authorization ID; DE 038 is provided by the Card Issuer in


the pre-authorization response and is returned in the financial
completion.

■ Additional matching criteria that can be used for secondary matching


include:

◆ DE 004 – Transaction Amount (+/- 20 –25%)

◆ DE 013 – Local Date

◆ DE 018 – Merchant Type (Merchant Category Code or SIC)

◆ DE 127 – Pre-authorization Key (assigned by Visa / MasterCard)

Platform The following criteria are recommended for matching PIN-based POS
Distinction pre-authorizations to completions on different STAR platforms.

■ On the STAR SE/W Platforms:

◆ DE 002 PAN (in completions) with PAN portion of DE 035 Track 2

◆ DE 011 – System Trace Audit Number

◆ DE 041 – Card Acceptor Terminal Identification

■ On the STAR NE Platform:

◆ DE 002 PAN (in completions) with PAN portion of DE 035 Track 2

◆ DE 011 – System Trace Audit Number

◆ DE 035 – Card Number

◆ DE 013 – Local Transaction Date

◆ DE 012 – Local Transaction Time

◆ DE 041 – Card Acceptor Terminal Identification

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STAR ISO Message Handling

Considerations ■ Processors must be capable of handling any and all STAR ISO data
elements in a message.
Currently, a STAR ISO message can consist of any combination of
data elements 001 through 128. If, for some reason, you receive a
message that contains a data element that is not specified in the
STAR ISO 8583 technical specifications, the processor should be
able to accept the field. In addition, processors should edit to
ensure mandatory fields are present in all message types where
indicated and include privately required fields.

■ Issuers may not send fields in the response unless they are present in
the request message or defined in the 0110 or 0210 message
layouts.

Repeat Transactions

Platform ■ On the STAR SE/W platforms, if an acquirer is sending a repeat


Distinction message, fields and content must be the same between the original
and the repeat message (except for the message type identifier,
which increases by one). For example, a repeat message for a 0100
Pre-authorization Request could have a message type identifier of
0101.

■ If the STAR NE Platform receives a repeat transaction from an


Acquirer, the Switch will format this transaction into the original
message type. For example, a 0201 will be received by the STAR NE
Switch and formatted into a 0200.

■ If the STAR SE/W platform sends a 0220 or 0420 advice to an issuer


and does not receive a timely 0230 or 0430 acknowledgement, then
the same advice will be resent using a message type of 0221 or 0421
until an acknowledgement is received.

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Chapter 3 22

Message Formats

Online communication of financial activity using the STAR ISO 8583 message
format takes place via highly structured messages that flow to and from the
STAR Switch. Processors, Issuers, and Acquirers must be prepared to send
and receive correctly-formatted STAR ISO 8583 messages to ensure smooth
online operations.

Message Structure
All messages in the STAR ISO 8583 processor interface consist of three
general components:
■ Message Type Identifier – a four-position numeric code beginning with
0, identifying the basic purpose of the message.
■ Bit Maps – a series of bits that indicate the presence or absence of
possible data elements in the individual message.
■ Data Elements – the bulk of the message, a collection of data items in
the order of the bit map representation.

The length of individual messages can vary depending on the number and
length of the data elements that they include.

Message Types
In the four-position Message Type ID code, the first two positions identify the
Message Class:
■ 01xx = Pre-authorization Messages
■ 02xx = Financial Transaction Messages
■ 03xx = File Maintenance Messages
■ 03xx = Card Activation Messages
■ 04xx = Reversal Messages
■ 06xx = Administrative “Error” Messages
■ 08xx = Network Management Messages

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Chapter 3: Message Formats 23

Repeated Messages

Whenever a repeat message is identified, the repeat message must be the


same as the original message, except for the Message Type identifier, which
increases by one. For example, the repeat of a 0100 Pre-authorization
Request message would have a Message Type identifier of 0101.

The STAR NE Platform does not support the indication of repeats in the
Message Type identifier. If the STAR NE Switch receives a repeat transaction
from an Acquirer, the transaction will be presented as the original Message
Type. For example, a 0201 received by the STAR NE Switch will be formatted
as a 0200.

Pre-authorization Messages

Disposition: Non-Financial

Pre-authorizations occur in both PIN-based and signature debit POS


transactions as the first part of a two-part POS transaction. A
pre-authorization is used to validate if the cardholder has sufficient funds for a
point-of-sale purchase. The transaction, produced at the time of the purchase,
represents the amount to hold on the cardholder account.
■ All issuing Point of Sale processors must certify this message type.
■ Optional for Point of Sale Acquirer Processors.
■ On the STAR SE/W Platforms, Acquirer Processors who do not receive a
0110 reply after 60 seconds may optionally generate a 0101 repeat
request transaction.
■ STAR Card-Issuer Processors must be able to accept both 0100 requests
and 0101 repeat request message types. Similarly, they must be able to
accept both 0120 and 0121 advice messages. The 0120/0121 advices will
be retransmitted to a Card-Issuer Processor once each minute until a
matching 0130 is received. If a Card-Issuer Processor is unavailable when
an 0120 is generated, the message will be saved and attempts at
transmission will begin when communications have been reestablished.
■ It is highly recommended that the STAR network’s interleaving option be
used to efficiently manage stand-in and advice notification. This feature
allows those processors that have developed a large store-and-forward
queue file the ability to intermingle received online with advice transaction
activity.

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Chapter 3: Message Formats 24

■ If a STAR processor receives invalid data element content in a


pre-authorization request or an advice message, then STAR processing will
deny the transaction in the 0110/0130 response message back to the
acquirer using Response Code 30 (format error) and will include the data
element number that is in error within DE 044.
■ If the Issuer receives invalid data element content in a pre-authorization
request message, then the Issuer should deny the transaction in the 0110
response message using Response Code 30 (format error) and should
include the data element number that is in error within DE 044. STAR
Issuers receiving invalid data element content in an advice message must
still acknowledge the message with a 0130 message with a Response Code
00 (approved).
■ If STAR processing receives a pre-authorization request or advice for
which it is unable to parse bit or byte maps or field lengths, then STAR
Networks will return a 0620 message to the acquirer.
■ STAR Issuers should only send a 0620 message in response to a 0100 or
0200 request if they are unable to parse the bit or byte maps or the field
lengths.
■ Similarly, STAR Acquirers should only send a 0620 message in response to
a 0110 or 0210 response if they are unable to parse the bit or byte maps
or the field lengths.

Table 3.1: Pre-authorization Message Types


Type ID Message Type Comments

0100 Pre-authorization Both PIN-based and signature debit transactions.


Request

0101 Repeat Pre-authorization STAR SE/W Platforms only.


Request

0110 Pre-authorization Reply To ensure appropriate matching criteria, DE 038,


Authorization ID is provided by the Issuer. This
information is provided in the inbound completion.

0120 Pre-authorization Advice

0121 Repeat Pre-authorization STAR SE/W Platforms only.


Advice

0130 Advice
Acknowledgement

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Financial Transaction Messages

Disposition: Financial (Settled Transactions)

Financial transaction messages transport ATM and POS transactions


generated by cardholders using their access cards at terminals driven by an
Acquirer Processor connected to the STAR Switch.
■ Required for all ATM and POS Card-Issuer Processors.
■ On the STAR SE/W Platforms, Acquirer Processors who do not receive a
0210 reply after 60 seconds may optionally generate a 0201 repeat
request transaction.
■ STAR Card-Issuer Processors must be able to accept both 0200 requests
and 0201 repeat request message types. Similarly, they must be able to
accept both 0220 and 0221 advice messages. The 0220/0221 advices will
be retransmitted to a Card-Issuer Processor once each minute until a
matching 0230 is received. If a Card-Issuer Processor is unavailable when
a 0220 is generated, the message will be saved and attempts at
transmission will begin when communications have been reestablished.
■ It is highly recommended that STAR's interleaving option be used to
efficiently manage stand-in and advice notification. This feature allows
those processors that have developed a large store-and-forward queue file
the ability to intermingle received online with advice transaction activity.
■ If STAR processing receives invalid data element content in a financial
request or advice message, then the STAR processor will deny the
transaction in the 0210/0230 response message back to the acquirer using
Response Code 30 (format error) and will include the data element number
that is in error within DE 044.
■ If the Issuer receives invalid data element content in a financial request
message then the Issuer should deny the transaction in the 0210 response
message using Response Code 30 (format error) and should include the
data element number that is in error within DE 044.
■ Issuers receiving invalid data element content in an advice message must
still acknowledge the message with a 0230 with a Response Code 00
(approved).
■ If STAR receives a financial request or advice for which it is unable to parse
bit or byte maps or field lengths, then STAR Network will return a 0620
message to the acquirer.
■ STAR Issuers should only send a 0620 message in response to a 0100 or
0200 request if they are unable to parse the bit or byte maps or the field
lengths.

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■ Similarly, STAR Acquirers should only send a 0620 message in response to


a 0110 or 0210 response if they are unable to parse the bit or byte maps
or the field lengths.

Table 3.2: Financial Transaction Message Types


Type ID Message Type Comments

0200 Financial Request ■ ATM, POS, Point of Banking transactions.

■ Data Element DE 003 (Processing Code) defines the


type of financial requested.

0201 Repeat Financial STAR SE/W Platforms only.


Request

0210 Financial Reply

0220 Financial Advice ■ Forced post transaction by the merchant acquirer.

■ Stand-in financial transaction approved by the STAR


Switch.

0221 Repeat Financial Advice STAR SE/W Platforms only.

0230 Financial
Acknowledgement

File Maintenance Messages

Disposition: Administrative

The Negative File Maintenance message provides the Card-Issuer Processor


with the ability to maintain the STAR Negative File online. When
communication is lost between the Card-Issuer Processor and the STAR
Switch, the negative file is checked by the STAR Switch as part of the
authorization process in stand-in.

The PIN Change File Maintenance messages provides the Card-Issuer


Processor with the ability to send or receive PIN change and PIN offset
maintenance transactions online.

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The STAR NE Platform provides an optional service to notify an Issuer online


when updates have been made to their card data. With this option, Issuers
can receive an 0302 or a 0322 and respond back with a 0312 or 0332 to
ensure that their own internal negative file is synchronized.

Note
The STAR Network’s use of the 0302 message that notifies
Issuers of updates to their card data on the STAR Negative
File is being replaced with the 0322/0332 advice messages.
Please notify your Relationship Manager if you are still
receiving the 0302 messages for the STAR Negative File
Updates and would prefer to receive the 0322 message.

STAR SE/W Platforms can optionally generate an 0300 file update request.
This message is intended to inform the Card Issuer that a cardholder PAN with
a negative status has been added to the institution’s processor’s switch
negative file that is used in stand-in and added to the debit services
(MasterCard Visa Check) Hot Card Status file.

Table 3.3: File Maintenance Message Types


Type ID Message Type Comments

0300 Acquirer File Update ■ Normally, an Issuer-initiated request.


Request
■ STAR SE/W provides a negative file notification
service out to Issuers for any card statused by an
internal staff member. In this case, a 0300 would be
sent to the Issuer.

0302 Negative File Update ■ Normally, an Issuer-initiated request.


Request
■ STAR NE provides an optional negative file
notification service out to Issuers for any card
statused by any user or application other than the
client’s or client’s initiated maintenance. Examples
would include an internal STAR staff member or CV
Denial functions. In this case, a 0302 would be sent
to the Issuer.

■ The STAR Network’s use of the 0302 message that


notifies Issuers of updates to their card data on the
STAR Negative File is being replaced with the 0322/
0332 advice messages. Please notify your
Relationship Manager if you are still receiving the
0302 messages for the STAR Negative File Updates
and would prefer to receive the 0322 message.

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Table 3.3: File Maintenance Message Types (cont.)


Type ID Message Type Comments

0310 Acquirer File Update ■ Normally, a STAR processor response to the Issuer.
Response
■ STAR SE/W provides a negative file notification
service out to Issuers for any card statused by an
internal staff member. In this case, a 0310 would be
sent to STAR from the Issuer.

0312 Negative File Update ■ Normally, a STAR processor response to the Issuer.
Reply
■ STAR NE platform provides a negative file
notification service out to Issuers for any card
statused by an internal staff member. In this case, a
0312 would be sent to STAR from the Issuer.

0322 Negative File Update ■ A STAR processing response to the Issuer.


Advice
■ STAR NE provides an optional negative file
notification service out to Issuers for any card
statused by any user or application other than the
client’s or client’s initiated maintenance. Examples
would include an internal STAR staff member or CV
Denial functions. In this case, a 0322 would be sent
to the Issuer from STAR.

■ The STAR Network’s use of the 0302 message that


notifies Issuers of updates to their card data on the
STAR Negative File is being replaced with the 0322/
0332 advice messages. Please notify your
Relationship Manager if you are still receiving the
0302 messages for the STAR Negative File Updates
and would prefer to receive the 0322 message.

0332 Negative File Update ■ Normally, a STAR processor response to the Issuer.
Advice
Acknowledgement ■ STAR NE provides an optional negative file
notification service out to Issuers for any card
statused by any user or application other than the
client’s or client’s initiated maintenance. Examples
would include an internal STAR staff member or CV
Denial functions. In this case, a 0332 would be sent
to STAR from the Issuer.

0382 PIN Change Request A STAR processing initiated request.

0392 PIN Change Reply An Issuer response to a STAR initiated PIN change
request.

0382 PIN Offset File Update An Issuer initiated request.


Request

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Table 3.3: File Maintenance Message Types (cont.)


Type ID Message Type Comments

0384 PIN Change Advice STAR NE: An advice notifying a cooperative processing
Issuer that a PIN change transaction was performed
and authorized on the STAR Switch. The message
contains the Cardholder’s new PIN offset.

0392 PIN Offset File Update A STAR processing response to the Issuer.
Reply

0394 PIN Change Advice STAR NE: An issuer acknowledgement of a STAR


Acknowledgement initiated PIN change advice.

Card Activation Messages

Disposition: CMA Card Activation

The STAR NE Platform provides an optional online service to notify an Issuer


whenever a card has been activated. Once an Issuer establishes the option to
receive a Card Activation Notification message, whenever a card has been
activated through a pinned transaction (ATM or POS), VRU Activation,
Cardholder Maintenance File (CMF), or STAR STATION CMA Activation entry,
CMA will forward a 382 Card Activation Notification message to the Issuer.

Because these message types are exclusively for Card Activation purposes,
their layouts and further information are detailed in Chapter 4 of the STAR
ISO 8583 Gateway/Product Interface Guide.

Reversal Messages

Disposition: Financial or Non-financial (reflecting the original


transaction)

A reversal is an electronic message, generated by the Acquirer or the STAR


Switch, that serves to cancel all or part of a previously authorized STAR
transaction. A reversal may not be processed as instructed for the reasons
listed below:
■ The message cannot be delivered.
■ The message cannot be processed.
■ The message has been cancelled by the receiver.

Reversals have the following stipulations:

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■ This transaction is required for all issuing and acquiring ATM/POS


processors.
■ This transaction will be accepted as a reversal of an approved 0110 or
0210 transaction.
■ Reversals of approved balance inquiry transactions are not supported.
■ On the STAR SE/W Platforms, Acquirer Processors who do not receive a
0430 reply after 60 seconds may optionally generate a 0421 repeat
reversal transaction.
■ STAR Card-Issuer Processors must be able to accept both 0420 reversal
and 0421 repeat reversal message types. The 0420/0421 reversals will be
retransmitted to a Card-Issuer Processor once each minute until a
matching 0430 is received. If a Card-Issuer Processor is unavailable when
a 0420 is generated, the message will be saved and attempts at
transmission will begin when communications have been reestablished.
■ It is highly recommended that the STAR network’s interleaving option be
used to efficiently manage stand-in and advice notification. This feature
allows those processors that have developed a large store-and-forward
queue file the ability to intermingle received online with advice transaction
activity.
■ If STAR processing receives invalid data element content in a reversal
messages, then STAR will acknowledge the message with a 0430 response
message back to the acquirer using Response Code 30 (format error) and
will include the data element number that is in error within DE 044.
■ STAR Issuers receiving invalid data element content in a reversal message
must still acknowledge the message with a 0430 with a Response Code 00
(approved).
■ If a STAR processor receives a reversal for which it is unable to parse bit or
byte maps or field lengths, then STAR will return a 0620 message to the
acquirer.
■ If the STAR Issuer receives a reversal message for which it is unable to
parse bit or byte maps of field lengths, then the Issuer must minimally
return a protocol-level 'ACK'.

Table 3.4: Reversal Message Types


Type ID Message Type Comments

0420 Reversal Advice DE 090, Original Data Elements provides information


on the original transaction.

0421 Repeat Reversal Advice STAR NE does not send 0421 messages.

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Table 3.4: Reversal Message Types (cont.)


Type ID Message Type Comments

0430 Reversal Advice


Acknowledgement

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Administrative “Error” Messages

Disposition: Administrative

Administrative messages pass system-related information between the STAR


Switch and the Acquirer Processor or Card-Issuer Processor. They are used to
indicate that the STAR Switch was unable to parse a message or that a
mandatory data element is missing.
■ The STAR Switch will generate a 0620 Administrative Advice when the
Switch cannot successfully parse the bit or byte maps. A 0620 message
will also be generated if the processor fails to include the “mandatory”
fields in the message.
■ The additional data field will contain the first 255 bytes of the message in
error. Processors should log the receipt of a 0620 message from the
Switch for research purposes. In addition, processors should log an error
message to their network console indicating that an error condition has
occurred.
■ If the Issuer receives invalid content in one or more data elements in a
request message, then the Issuer should deny the transaction in the 0110/
0210 response message using Response Code 30 (format error) and
should include the data element number that is in error within DE 044. If
the Issuer receives invalid content in data elements in a reversal or an
advice message, the Issuer must still acknowledge the message with a
0130/0230/0430 with a Response Code 00 (approved). It is not
appropriate to send a 0620 message (or a Response Code 30 reply) in
these situations.
■ Transactions responded to with a 0620 message will not have a reply or be
settled by the Switch.
■ STAR Issuers should only send a 0620 message in response to a 0100 or
0200 request if they are unable to parse the bit or byte maps or the field
lengths.

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■ If the Issuer receives invalid content in one or more data elements in a


request message, then the Issuer should deny the transaction in the 0110/
0210 response message using Response Code 30 (format error). If the
Issuer receives invalid content in data elements in a reversal or an advice
message, the Issuer must still acknowledge the message with a 0130/
0230/0430 with a Response Code 00 (approved). It is not appropriate to
send 0620 messages in these situations.

Table 3.5: Administrative “Error” Message Type


Type ID Message Type Comments

0620 Administrative Advice

Network Management Messages

Disposition: Administrative

Network Management messages are used to coordinate system or network


events or tasks and to communicate network status conditions.
■ All STAR Card-Issuer Processors and Acquirer Processors must certify the
0800 messages.
■ For Key Management Support, the STAR Switch maintains both the current
and prior values of the Acquirer Processor working key. If a transaction
received from an Acquirer Processor is subsequently denied by the STAR
security module for a key sync or sanity error, the Switch will attempt to
translate the PIN one additional time using the prior key.
When a key change message sent to a processor is rejected or not
responded to, the Switch will continue to encrypt the PIN using the
existing working key.
■ STAR strongly recommends that all processors maintain both the current
and prior working key values for translation purposes. Under this
methodology, processors should be able to avoid unnecessary key sync or
sanity errors due to key change situations.

Table 3.6: Network Management Message Types


Type ID Message Type Comments

0800 Network Management DE 070, Network Management Information Code is


Request used to describe a specific purpose or function of each
message.

0810 Network Management


Response

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Bit Maps and Data Elements


Immediately following the Message Type identifier, a message has at least
one “bit map” that is used to indicate which fields are present in the message.
The bit maps contain a series of 64 bits used to identify the presence or
absence of the data elements that are possible for that Message Type.

These 64 bit positions are represented as either:


■ 16 hexadecimal bytes (if packing of bit maps is not being used)

OR
■ 8 binary bytes (if packing of bit maps is being used)

At the bit level of the bit maps, ‘1’ bits indicate that the corresponding data
elements are “on” and should be present; ‘0’ bits indicate that the
corresponding data elements are “off” and should not be present.

All messages contain a Primary bit map. Depending on which data elements
are included, a message may also have a Secondary bit map appearing
immediately after the Primary.

Table 3.7: Message Bit Maps

Bit Map Description

Primary Present in all Message Types

◆ Contains 64 bit positions to represent data elements 001–064.

Secondary Present in messages containing data elements above 064

◆ Contains 64 bit positions to represent data elements 065–128.

◆ If Secondary bit map is present, first position is ‘1’.

Certain data elements for any Message Type are always required. However,
not all the data elements listed for a Message Type layout given in this
chapter will be found in a given instance of that message. Unnecessary data
items are omitted. Thus the bit maps are necessary to identify to the
processor interface which of all the possible data elements are present in each
particular Message Type instance.

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Message Layouts
In the message layout tables that follow, each row represents a STAR data
element that may be a part of a message of that Message Type.

The message layout tables in this section have the following headings:
■ Bit
■ ISO Field Name
■ Data Type
■ Requirements – Trnsmit / Recv
■ Notes

Bit Number and ISO Field (Data Element) Name


The number in the Bit column is a key to finding a complete description of a
data element in Chapter 4: Data Element Definitions.

The names shown in the ISO Field Name column are the data element
names. These names correspond to and in most cases match the ISO
8583-defined field names. There are a few instances, however—DE is an
example—in which the name shown has been modified from the ISO name to
better convey how the field is being used by STAR software.

The first two data elements, Message Type Identifier and Primary Bit Map, are
always present in any message and therefore are not numbered.

Data Type
The Data Type column of the message layout tables uses the following
indicators to describe data element attributes:

Table 3.8: Data Type Indicators


Indicator Definition Notes

b Binary – will be hexadecimal characters if Left-justified with trailing zeros.


the packing option is not set.

A Alphabetic characters only. Left-justified with trailing spaces.

N Numeric values (digits) only. Right-justified with leading zeros.

AN Alphanumeric characters only. Left-justified with trailing spaces.

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Table 3.8: Data Type Indicators (cont.)


Indicator Definition Notes

ANS Alphabetic, numeric and special characters. Left-justified with trailing spaces.

NS Numeric and special characters. Left-justified with trailing spaces.

NP Numeric data element that is capable of When the numeric packing option
being packed, based on the database is set, all lengths are 1-byte
setting. The data element contains numeric binary. Odd-length packed
digits in unsigned packed format (4-bit numerics have a leading zero to
BCD) when the numeric packing option is ensure that data elements begin
set. The associated number indicates the and end on byte boundaries.
number of digits the data element contains.

LLV ■ Variable data field that can have a length ■ The maximum data element
range of 1-99. length that can be represented
by the packed 1-byte binary is
■ When the packing option is not set, the 255.
variable-length subfield is 2 numeric
characters long. Otherwise, the ■ The length of a variable-length
variable-length subfield is one byte long. field may exceed the maximum
message size defined by STAR‘s
LLLV ■ Variable data field that can have a length software. If this occurs, only the
range of 1-255. message size defined by STAR
will pass through the Switch.
■ When the packing option is not set, the
variable-length subfield is 3 numeric
characters long. Otherwise, the
variable-length subfield is one byte long.

X ■ ‘C’ indicates a positive amount (credit). For financial transactions, the


value of the amount (credit or
■ ‘D’ indicates a negative amount (debit). debit) is given from the
cardholder’s perspective.
■ For zero amounts, ‘0’ may be used.

Throughout the message layout tables that follow, the length of the
variable-length sub-element (Byte Map) is shown as if the numeric packing
option is not set. If the numeric packing option is set, all length sub-elements
are one byte long.

The 1-byte binary allows a maximum data field length of 255. With the
numeric packing database option turned on, no data field may be longer than
255.

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Requirements – Trnsmit / Recv


The Trnsmit (Transmit) and Recv (Receive) columns contain indicators of
whether individual data elements within a message are always, sometimes, or
never required:

Table 3.9: Requirements Indicators


Indicator Description

M Mandatory – The data element must be present in the message. Issuers/


Acquirers should populate their messages and/or edit accordingly.

C Conditional – The data element must be present when specific conditions are
satisfied. The applicable conditions are generally identified in the Notes
column.

O Optional – The data element is optional and may be provided at the option of
the originator of the message. If the data element is present in the message,
it may or may not be forwarded. Some elements may be unsupported.

The data element is not present for this message instance.

The data elements defined by STAR as conditional or optional may be required


to interchange with endpoints using other message structures. Refer to the
STAR ISO 8583 Gateway/Product Interface Guide for the specific link to
determine additional data element requirements.

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Notes
The Notes column provides additional clarifications on the use of the element
in the online message. For a full description of each data element’s usage,
refer to Chapter 4: Data Element Definitions of this document and/or the
STAR ISO 8583 Gateway/Product Interface Guide.

Table 3.10: Format Abbreviations and Common Notes


Notes Description

MM Month (01-12)

DD Day (01-31)

YY Year (00-99)

hh Hour (00-23)

mm Minute (00-59)

ss Second (00-59)

Multi-Currency Field may be present when the transaction involves more


Field than one currency. Specifically, additional fields may be
passed when the local (acquiring) currency, the switch
settlement currency (US dollars), and the cardholder
currency are not all the same.

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Pre-authorization Messages

0100/0101 Pre-authorization Request


Table 3.11: 0100/0101 Pre-authorization Request
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M ■ Always ‘0100’ initially.

■ ‘0101’ if repeated by
Acquirer.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 C C Required if fields are


specified in DE 065 to
DE 128.

002 Primary Account LLV N19 C C ■ Required if PAN is


Number manually entered.

■ If electronically
captured, DE 035 or
DE 045 must be
present.

003 Processing Code N6 M M

004 Amount, Transaction N12 M M

005 Amount, Settlement N12 C C Multi-Currency Field

006 Amount, Cardholder N12 C C Multi-Currency Field


Billing

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

008 Amount, Cardholder N8 O O Unsupported


Billing Fee

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

010 Conversion Rate, N8 C C Multi-Currency Field


Cardholder Billing

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

011 System Trace Audit N6 M M


Number

012 Time, Local Transaction N6 M M hhmmss

013 Date, Local Transaction N4 M M MMDD

014 Date, Expiration N4 O O ■ Signature debit if Track


1 or 2 data is not
available.

■ YYMM

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

016 Date, Conversion N4 C C ■ Multi-Currency Field.

■ Return if available.

■ MMDD

017 Date, Capture N4 O O MMDD

018 Merchant Type N4 M C

019 Acquiring Institution N3 C C


Country Code

022 Point-Of-Service Entry N3 M C


Mode

023 Card Sequence Number N3 O C

025 Point-Of-Service N2 O O ■ Present if sent by


Condition Code another network.

■ See the STAR ISO


8583 Gateway/Product
Interface Guide.

026 Point-Of-Service PIN N2 O C


Capture Code

027 Authorization N1 O C
Identification Response
Length

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

028 Amount, Transaction X + N8 O O


Fee

029 Amount, Settlement Fee X + N8 O O

030 Amount, Processing Fee X + N8 O O Unsupported

031 Amount, Settlement X + N8 O O Unsupported


Processing Fee

032 Acquiring Institution LLV N11 M M


Identification Code

033 Sponsor ID LLV N11 C ■ Required in ATM


transactions if terminal
is sponsored by a STAR
financial institution.

■ Applicable only on
Acquirer side.

035 Track 2 LLV NS37 C C If electronically


captured, DE 035 (or DE
045 from non-STAR
Acquirers) must be
present.

037 Retrieval Reference AN12 M M


Number

040 Service Restriction Code AN3 O O Unsupported

041 Card Acceptor Term AN8 M M


Identification

042 Card Acceptor ANS15 O C Required for STAR POS


Identification Code Acquirers.

043 Card Acceptor Location AN40 M C Sent, if available. Reg. E


data required for STAR
Acquirer Processors.

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

045 Track 1 LLV ANS76 C ■ Present if sent by


another network.

■ May optionally be
passed to signature
debit issuers. STAR
acquirers should not
send this data.

■ If electronically
captured, DE 035 or
DE 045 will be present.

■ See STAR ISO 8583


Gateway/Product
Interface Guide.

047 Additional Data, LLLV C Electronic Commerce


National ANS..100 Indicators & UCAF data.

048 Merchant/Bank Name LLLV M C Reg. E Data required for


ANS025 all STAR Acquirer
Processors.

049 Currency Code, N3 M M ‘840’ = US


Transaction

050 Currency Code, N3 C C Multi-Currency Field


Settlement

051 Currency Code, N3 C C Multi-Currency Field


Cardholder Billing

052 PIN Data b64 C C

054 Additional Amounts LLLV O O


ANS120

057 Authorization Life LLLV N003 M M

058 National LLLV N010 M M


Point-Of-Service
Condition Code

059 National LLLV O O Not required by the


Point-Of-Service AN017 STAR network, but may
Geographic Data be required by
interfacing networks.

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

061 Acquirer Transport Data LLLV O O Will be echoed in


ANS100 response, but not
forwarded to Issuer.

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M Mandatory for STAR


Acquirers.

■ Issuer Network AN3 O C


Identification

■ Acquirer Network AN3 O C


Identification

■ Processor ID AN6 O M Switch-filled

067 Extended Payment Code N2 O O Unsupported

102 Account LLV ANS28 C C Used for Co-op Issuers


(STAR NE Platform only).

103 Account Identification 2 LLV ANS28 O O Unsupported

104 Interchange Group LLLV C C ■ Required for POS


Identifier ANS100 Acquirer Processors.

■ Also see Chapter 13 in


this manual.

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Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

111 Additional Data, Private LLLV O O ■ SE/W platforms only.


Acquirer AN255
■ May be returned, if
received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

■ See Chapter 8 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

113 Card Issuer LLLV N011 O O


Identification Code

120 Account Qualifiers LLLV O C


AN006

122 Sponsor Bank ID LLLV O ■ SE/W platforms only.


AN011
■ If sent by another
network, this field is
optionally available to
STAR Issuers.

■ STAR Acquirers should


not send in this field
for ATM transactions.

■ See Chapter 2 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 45

Table 3.11: 0100/0101 Pre-authorization Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

123 AVS / CVx2 / 3-D / LLLV C C ■ See Chapter 6 in the


Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide.

■ Only present if
required by or
transmitted from
another network.

■ MICR data sent only if


available.

125 Network Management LLLV O O ■ For Issuers that elect


Information/Tagged ANS56 to receive the ALL
Issuer Data STAR Indicator

127 Acquirer Trace Data LLLV O O ■ Only present if


ANS100 required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 46

0110 Pre-authorization Response


Table 3.12: 0110 Pre-authorization Response
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0110’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M Required if fields


specified in DE 065 to
DE 128.

002 Primary Account LLV N19 C C Required, if received in


Number 010x message.

003 Processing Code N6 M M

004 Amount, Transaction N12 M M Copied from the 010x


message.

005 Amount, Settlement N12 C C Multi-Currency Field

006 Amount, Cardholder N12 C C Multi-Currency Field

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

008 Amount, Cardholder N8 O O Unsupported


Billing Fee

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

010 Conversion Rate, N8 C C Multi-Currency Field


Cardholder Billing

011 System Trace Audit N6 M M Copied from the 010x


Number message.

012 Time, Local Transaction N6 M M ■ Copied from the 010x


message.

■ hhmmss

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 47

Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

013 Date, Local Transaction N4 M M ■ Copied from the 010x


message.

■ MMDD

014 Date, Expiration N4 O O ■ May be returned, if


received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

■ YYMM

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

016 Date, Conversion N4 C C ■ Multi-Currency Field

■ Return if available.

■ MMDD

017 Date, Capture N4 O O MMDD

018 Merchant Type N4 O C May be returned, if


received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

019 Acquiring Institution N3 O C


Country Code

022 Point-Of-Service Entry N3 O C


Mode

023 Card Sequence Number N3 O C

025 Point-Of-Service N2 O O
Condition Code

028 Amount, Transaction X + N8 O O


Fee

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 48

Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

029 Amount, Settlement Fee X + N8 O O

030 Amount, Processing Fee X + N8 O O Unsupported

031 Amount, Settlement X + N8 O O Unsupported


Processing Fee

032 Acquiring Institution LLV N11 M M Copied from the 010x


Identification Code message.

033 Sponsor ID LLV N11 C Echoed only if sent by


the Acquirer.

035 Track 2 LLV NS37 C C Required if received in


010x message.

037 Retrieval Reference AN12 M M Copied from the 010x


Number message.

038 Authorization AN6 O C Required for


Identification Response participation in some
links.

039 Response Code AN2 M M If the response code is


30, then Additional
Response Data (DE 044)
contains the data
element number in error.

040 Service Restriction Code AN3 O O Unsupported

041 Card Acceptor Term AN8 M M Copied from the 010x


Identification message.

042 Card Acceptor ANS15 O C May be returned, if


Identification Code received in the request,
if the Card-Issuer
043 Card Acceptor Location AN40 O C Processor desires to
have this field returned
in a reversal.

044 Additional Response LLV AN25 C C


Data

045 Track 1 LLV ANS76 C Required if received in


0100 message.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 49

Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

047 Additional Data, LLLV C Electronic Commerce


National ANS..100 Indicators & UCAF data.

048 Merchant/Bank Name LLLV O C May be returned, if


ANS025 received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

049 Currency Code, N3 M M Copied from the 010x


Transaction message.

050 Currency Code, N3 C C Multi-Currency Field


Settlement

051 Currency Code, N3 C C Multi-Currency Field


Cardholder Billing

054 Additional Amounts LLLV C C Return if additional


ANS120 amounts are needed or
balance returned.

055 Additional Fees LLLV C C Required if received in


ANS088 the 0xxx message

057 Authorization Life LLLV N003 O O Reversal

058 National LLLV N010 M M May be returned, if


Point-Of-Service received in the request,
Condition Code if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

059 National LLLV O C Not used by the STAR


Point-Of-Service AN017 network, but may be
Geographic Data required by interfacing
networks.

061 Acquirer Transport Data LLLV O C Required if in 010x


ANS100 message.

063 STAR Data LLLV M M


ANS050

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 50

Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M

■ Issuer Network AN3 O C


Identification

■ Acquirer Network AN3 O C May be returned, if


Identification received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

■ Processor ID AN6 O M Switch-filled

067 Extended Payment Code N2 O O Unsupported

102 Account Identification 1 LLV ANS28 O O May be returned, if


received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

103 Account Identification 2 LLV ANS28 O O Unsupported

104 Interchange Group LLLV O O ■ May be returned, if


Identifier ANS100 received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

■ Also see Chapter 13 in


this manual.

105 Large Private Data LLLV C C Mandatory when


ANS185 Processing Code is
35xx00 (Account List
Inquiry Data).

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 51

Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

113 Card Issuer LLLV N011 M M


Identification Code

114 AuthorizIng Agent LLLV O C


Country Code AN003

120 Account Qualifiers LLLV O C May be returned, if


AN006 received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

121 Additional Data, Private LLLV O O See Chapter 9 in the


Issuer ANS999 STAR ISO 8583
Gateway/Product
Interface Guide for
additional information.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 52

Table 3.12: 0110 Pre-authorization Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

122 Sponsor Bank ID LLLV O ■ STAR SE/W Platforms


AN011 only.

■ May be returned, if
received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

123 AVS / CVx2 / 3-D / LLLV C ■ See Chapter 6 in the


Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide.

■ Only present if
required by or
transmitted from
another network.

125 Network Management LLLV O C ■ May be returned , if


Information/Tagged ANS56 received in the request
Issuer Data (if the Card-Issuer
Processor wants to
receive this field in a
reversal for a late
response).

■ Optional for Acquirers


to receive in response
messages and to send
in subsequent advice
and reversal
messages.

126 Issuer Trace ID LLLV O C May be returned, if


ANS100 received in the request,
if the Card-Issuer
127 Acquirer Trace Data LLLV O O Processor desires to
ANS100
have this field returned
in a reversal.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 53

0120/0121 Pre-authorization Advice


Table 3.13: 0120/0121 Pre-authorization Advice
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M ■ ‘0120’ for initial advice.

■ ‘0121’ if repeated.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 C C Required if fields


specified in DE 065 to
DE 128.

002 Primary Account LLV N19 C C ■ Required if PAN is


Number manually entered or
track data is
unavailable.

■ STAR Issuers will


receive either DE 002
or DE 035

003 Processing Code N6 M M

004 Amount, Transaction N12 M M

005 Amount, Settlement N12 C C Multi-Currency Field

006 Amount, Cardholder N12 C C Multi-Currency Field


Billing

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

008 Amount, Cardholder N8 O O Unsupported


Billing Fee

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

010 Conversion Rate, N8 C C Multi-Currency Field


Cardholder Billing

011 Systems Trace Audit N6 M M Copied from 01xx.


Number

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 54

Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

012 Time, Local Transaction N6 M M ■ Copied from 01xx.

■ hhmmss

013 Date, Local Transaction N4 M M ■ Copied from 01xx.

■ MMDD

014 Date, Expiration N4 O O ■ May be present if


key-entered.

■ YYMM

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

016 Date, Conversion N4 C C ■ Multi-Currency Field

■ MMDD

017 Date, Capture N4 O O ■ Current Acquirer


Processor date.

■ MMDD

■ May be present if
transmitted in the
01xx.

018 Merchant Type N4 M M Required for STAR ATM &


POS.

019 Acquiring Institution N3 C C Required if not US (840).


Country Code

022 Point-Of-Service Entry N3 C C Required for transactions


Mode from a point of sale
device.

023 Card Sequence Number N3 O O May be used to send a


card sequence (plastic)
number if Track 2
(DE 035) is not sent.

025 Point-Of-Service N2 O O Unsupported


Condition Code

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 55

Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

028 Amount, Transaction X + N8 O O


Fee

029 Amount, Settlement Fee X + N8 O O

030 Amount, Processing Fee X + N8 O O Unsupported

031 Amount, Settlement X + N8 O O Unsupported


Processing Fee

032 Acquiring Institution LLV N11 M M


Identification Code

035 Track 2 Data LLV NS37 C C ■ STAR Acquirers should


send if track data is
electronically captured.

■ STAR Issuers will


receive either DE 002
or DE 035.

037 Retrieval Reference AN12 M M Must be copied from


Number 01xx.

038 Authorization ID AN6 C C ■ Only present if


required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

039 Response Code AN2 M M

040 Service Restriction Code AN3 O O Unsupported

041 Card Acceptor Term AN8 M M


Identification

042 Card Acceptor ANS15 C C Copied from the 010x


Identification Code message if available.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 56

Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

043 Card Acceptor Location AN40 M C Reg. E data, required for


all STAR POS Acquirer
Processors – Card-Issuer
Processors may or may
not receive this data.

045 Track 1 LLV ANS76 C ■ Present if sent by


another network.

■ May optionally be
passed to signature
debit issuers. STAR
acquirers should not
send this data.

■ See STAR ISO 8583


Gateway/Product
Interface Guide.

047 Additional Data, LLLV C Electronic Commerce


National ANS..100 Indicators & UCAF data.

048 Merchant/Bank Name LLLV M C Reg. E data, required for


ANS025 all STAR POS Acquirer
Processors – Card-Issuer
Processors may or may
not receive this data.

049 Currency Code, N3 M M


Transaction

050 Currency Code, N3 C C Multi-Currency Field


Settlement

051 Currency Code, N3 C C Multi-Currency Field


Cardholder Billing

054 Additional Amounts LLLV C C Sent if transaction


ANS120 related amounts are
present.

057 Authorization Life Cycle LLLV N003 C C Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 57

Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

058 National LLLV N010 M M


Point-Of-Service
Condition Code

059 National LLLV O O Not used by STAR but


Point-Of-Service AN017 may be required by
Geographic Data interfacing networks.

060 Advice / Reversal Code LLLV M M


AN006

■ Byte Map AN2 M M Required to indicate the


presence of subfields.

■ Advice Reason ANS2 C C

061 Acquirer Transport Data LLLV O O Will be echoed in


ANS100 response but will not be
forwarded to the
Card-Issuer Processor.

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M Mandatory for STAR


Acquirer Processors.

■ Issuer Network AN3 O C


Identification

■ Acquirer Network AN3 O C


Identification

■ Processor ID AN6 O M Switch-filled

067 Extended Payment Code N2 O O Unsupported

102 Account Identification 1 LLV ANS28 O O Used for Co-op Issuers


(STAR NE Platform only).

103 Account Identification 2 LLV ANS28 O O

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 58

Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

104 Interchange Group LLLV C C ■ Required for POS


Identifier ANS100 Acquirer Processors.

■ Also see Chapter 13 in


this manual.

111 Additional Data, Private LLLV O O ■ May be returned, if


Acquirer AN255 received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

■ See Chapter 8 in the


STAR ISO 8583
Gateway / Product
Interface Guide.

113 Card Issuer LLLV N011 O O


Identification Code

120 Account Qualifiers LLLV O O Details are available in


AN006 the STAR ISO 8583
Gateway/Product
Interface Guide.

122 Sponsor Bank ID LLLV O ■ SE/W platforms only.


AN011
■ If sent by another
network, this field is
optionally available to
STAR Issuers.

■ See STAR ISO 8583


Gateway/Product
Interface Guide.

123 AVS / CVx2 / 3-D / LLLV C C See Chapter 6 in the


Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide.

125 Network Management LLLV O O For Issuers that elect to


Information/Tagged ANS56 receive the ALL STAR
Issuer Data Indicator.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 59

Table 3.13: 0120/0121 Pre-authorization Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

127 Acquirer Trace ID LLLV C C ■ Only present if


ANS100 required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 60

0130 Pre-authorization Advice Response


Table 3.14: 0130 Pre-authorization Advice Response
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0130’.

– Bit Map, Primary b64 M M

003 Processing Code N6 M M

004 Amount, Transaction N12 M M

005 Amount, Settlement N12 C C Multi-Currency Field

007 Transmission Date & N10 M M ■ Updated by each


Time processing end-point.

■ Greenwich Mean Time.

■ MMDDhhmmss

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

011 System Trace Audit N6 M M Copied from the 012x.


Number

012 Time, Local Transaction N6 M M ■ Copied from the 012x.

■ hhmmss

013 Date, Local Transaction N4 M M ■ Copied from the 012x.

■ MMDD

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

028 Amount, Transaction X+N8 C C Required if received in


Fee the 012x.

029 Amount, Settlement Fee X+N8 C C Multi-Currency Field

037 Retrieval Reference AN12 M M Copied from the 012x.


Number

039 Response Code AN2 M M STAR Issuers must


return ‘00’.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 61

Table 3.14: 0130 Pre-authorization Advice Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

044 Additional Response LLV AN25 C Used by STAR to provide


Data information to Acquirers
about the nature of edit
errors in conjunction
with Response Code (DE
039) of '30'.

049 Currency Code, N3 M M Copied from the 012x.


Transaction

050 Currency Code, N3 C C Multi-Currency Field


Settlement

055 Additional Fees LLLV C C Required if received in


ANS088 the 0xxx message

061 Acquirer Transport Data LLLV O C Required if present in


ANS100 012x.

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 62

Financial Transaction Messages

0200/0201 Financial Transaction Request


Table 3.15: 0200/0201 Financial Transaction Request
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M ■ ‘0200’ initially.

■ ‘0201’ if repeated by
Acquirer Processor.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 C C Required if fields


specified in DE 065 to
DE 128.

002 Primary Account LLV N19 C C ■ Required if PAN is


Number manually entered.

■ If electronically
captured, DE 035 (or
DE 045 from non-STAR
Acquirers) must be
present.

003 Processing Code N6 M M

004 Amount, Transaction N12 M M All zeros when


Processing Code (DE
003) = 39xx00 or
91xx00.

005 Amount, Settlement N12 C C Multi-Currency Field

006 Amount, Cardholder N12 C C Multi-Currency Field

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

008 Amount, Cardholder N8 O O Unsupported


Billing Fee

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 63

Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

010 Conversion Rate, N8 C C Multi-Currency Field


Cardholder Billing

011 Systems Trace Audit N6 M M


Number

012 Time, Local Transaction N6 M M hhmmss

013 Date, Local Transaction N4 M M MMDD

014 Date, Expiration N4 O O ■ May be present if


key-entered.

■ YYMM

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

016 Date, Conversion N4 C C ■ Multi-Currency Field

■ MMDD

017 Date, Capture N4 C C ■ Current Acquirer


Processor date.

■ MMDD

018 Merchant Type N4 M C

019 Acquiring Institution N3 C C Required if not US (840).


Country Code

022 Point-Of-Service Entry N3 C C Required for POS.


Mode

023 Card Sequence Number N3 O O May be used to send a


card sequence (plastic)
number if Track 2
(DE 035) is not sent.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 64

Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

025 Point-Of-Service N2 O O ■ Only present if


Condition Code required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

026 Point-Of-Service PIN N2 O C


Capture Code

027 Authorization N1 O C
Identification Response
Length

028 Amount, Transaction X + N8 C C Mandatory for Acquirer


Fee Processors collecting a
Convenience fee or
providing a customer
rebate.

029 Amount, Settlement Fee X + N8 O O Unsupported

030 Amount, Processing Fee X + N8 O O Unsupported

031 Amount, Settlement X + N8 O O Unsupported


Processing Fee

032 Acquiring Institution LLV N11 M M


Identification Code

033 Sponsor ID LLV N11 C ■ Required in ATM


transactions if terminal
is sponsored by a STAR
financial institution.

■ Applicable only on
Acquirer side.

035 Track 2 Data LLV NS37 C C If electronically


captured, DE 035 (or DE
045 from non-STAR
Acquirers) must be
present.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 65

Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

037 Retrieval Reference AN12 M M


Number

040 Service Restriction Code AN3 O O Unsupported

041 Card Acceptor Term AN8 M M


Identification

042 Card Acceptor ANS15 C C Required for STAR point


Identification Code of sale Acquirer
Processors.

043 Card Acceptor Location AN40 M M Reg. E Data

045 Track 1 LLV ANS76 C ■ Present if sent by


another network.

■ May optionally be
passed to signature
debit issuers. STAR
acquirers should not
send this data.

■ If electronically
captured, DE 035 or
DE 045 will be present.

■ See STAR ISO 8583


Gateway/Product
Interface Guide.

048 Merchant/Bank Name LLLV M C Reg. E Data, required for


ANS025 all STAR Acquirer
Processors. Card-Issuer
Processors may or may
not receive this data.

049 Currency Code, N3 M M


Transaction

050 Currency Code, N3 C C Multi-Currency Field


Settlement

051 Currency Code, N3 C C Multi-Currency Field


Cardholder Billing

052 PIN Data b64 C C

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 66

Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

054 Additional Amounts LLLV C C Sent if


ANS120 transaction-related
amounts are present,
e.g., cash back in a
deposit.

055 Additional Fees LLLV O O ■ Only present if


ANS088 required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

058 National LLLV N010 M M


Point-Of-Service
Condition Code

059 National LLLV O O


Point-Of-Service AN017
Geographic Data

061 Acquirer Transport Data LLLV O O Will be echoed in


ANS100 response but will not be
forwarded to the
Card-Issuer Processor.

063 STAR Data LLLV M M


ANS50

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M Mandatory for STAR


Acquirer Processors.
Assigned by STAR staff.

■ Issuer Network AN3 O C


Identification

■ Acquirer Network ID: AN3 O C


Transaction
Identification

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 67

Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

■ Processor ID AN6 O M Switch-filled

067 Extended Payment Code N2 O O Unsupported

098 Payer/Payee Data AN25 C C See Chapter 12 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

102 Account Identification 1 LLV ANS28 O O Used for Co-op Issuers


(STAR NE Platform only).
103 Account Identification 2 LLV ANS28 O O

104 Interchange Group LLLV C C ■ Required for POS


Identifier ANS100 Acquirer Processors.

■ Also see Chapter 14 in


this manual.

■ Also see Chapter 12 in


the STAR ISO 8583
Gateway/Product
Interface Guide.

105 Large Private Data LLLV C C ■ In Account Balance


ANS255 Profile (39xx00)
transactions, required
for Co-op processors
only.

■ Value = ‘E’ if Issuer


and ATM support
Enhanced Balance
feature

■ Also see Chapter 14 in


this manual.

■ For MasterCard POS


Payment information,
see Chapter 12 in the
STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 68

Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

113 Card Issuer LLLV N011 O O ■ Only present if


Identification Code required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

120 Account Qualifiers LLLV O O Details are available in


AN006 the STAR ISO 8583
Gateway/Product
Interface Guide.

121 Additional Data, Private LLLV C C For Statement Data


Issuer ANSnn (91xx 00) transactions,
nn = 32. See Chapter 15
in this manual for
details.

122 Sponsor Bank ID LLLV C O ■ SE/W platforms only.


AN011
■ If sent by another
network, this field is
optionally available to
STAR Issuers.

■ STAR Acquirers should


not send in this field
for ATM transactions.

■ See Chapter 2 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 69

Table 3.15: 0200/0201 Financial Transaction Request (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

123 AVS / CVx2 / 3-D / LLLV C C ■ See Chapter 6 in the


Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide for
detailed information.

■ Only present if
required by or
transmitted from
another network.

■ MICR data sent only if


available

125 Network Management LLLV O O For Issuers that elect to


Information/Tagged ANS56 receive the ALL STAR
Issuer Data Indicator.

127 Acquirer Trace ID LLLV O O ■ Only present if


ANS100 required by or
transmitted from
another network.

■ Also see Chapter 12 in


the STAR ISO 8583
Gateway /Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 70

0210 Financial Transaction Response


Table 3.16: 0210 Financial Transaction Response
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0210’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M Required if fields


specified in DE 065 to
DE 128.

002 Primary Account LLV N19 C C Required if received in


Number 020x message.

003 Processing Code N6 M M

004 Amount, Transaction N12 M M Copied from the 020x


message.

005 Amount, Settlement N12 C C Multi-Currency Field

006 Amount, Cardholder N12 C C Multi-Currency Field

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

008 Amount, Cardholder N8 O O Unsupported


Billing Fee

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

010 Conversion Rate, N8 C C Multi-Currency Field


Cardholder Billing

011 System Trace Audit N6 M M Copied from the 020x


Number message.

012 Time, Local Transaction N6 M M ■ Copied from the 020x


message.

■ hhmmss

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 71

Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

013 Date, Local Transaction N4 M M ■ Copied from the 020x


message.

■ MMDD

014 Date, Expiration N4 O O YYMM

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

016 Date, Conversion N4 C C ■ Multi-Currency Field

■ Returned if available.

■ MMDD

017 Date, Capture N4 O C ■ May be returned, if


received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

■ MMDD

018 Merchant Type N4 O C May be returned, if


received in the request,
019 Acquiring Institution N3 O C if the Card-Issuer
Country Code Processor desires to
have this field returned
022 Point-Of-Service Entry N3 O C
in a reversal.
Mode

023 Card Sequence Number N3 O C

025 Point-Of-Service N2 O O
Condition Code

028 Amount, Transaction X + N8 C C Required if present in


Fee 020x.

029 Amount, Settlement Fee X + N8 O C Multi-Currency Field

030 Amount, Processing Fee X + N8 O O Unsupported

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 72

Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

031 Amount, Settlement X + N8 O O Unsupported


Processing Fee

032 Acquiring Institution LLV N11 M M Copied from the 020x


Identification Code message.

033 Sponsor ID LLV N11 C Echoed only if sent by


the Acquirer.

035 Track 2 Data LLV NS37 C C Required if received in


020x message.

037 Retrieval Reference AN12 M M Copied from the 020x


Number message.

038 Authorization AN6 O C ■ Only present if


Identification Response required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

039 Response Code AN2 M M If the response code is


30, then Additional
Response Data (DE 044)
contains the data
element number in error.

040 Service Restriction Code AN3 O O May be returned, if


received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

041 Card Acceptor Term AN8 M M Copied from the 020x


Identification message.

042 Card Acceptor ANS15 O C May be returned, if


Identification Code received in the request,
if the Card-Issuer
043 Card Acceptor Location AN40 O C Processor desires to
have this field returned
in a reversal.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 73

Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

044 Additional Response LLV AN25 C C


Data

045 Track 1 LLV ANS76 C Required if received in


0200 message.

048 Merchant/Bank Name LLLV O C May be returned, if


ANS025 received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

049 Currency Code, N3 M M Copied from the 020x


Transaction message.

050 Currency Code, N3 C C Multi-Currency Field


Settlement

054 Additional Amounts LLLV C C Required if in 020x


AN120 message.

055 Additional Fees LLLV C C Required if received in


ANS088 the 0xxx message

058 National LLLV N010 M M Copied from the 020x


Point-Of-Service message.
Condition Code

059 National LLLV C C


Point-Of-Service AN017
Geographic Data

061 Acquirer Transport LLLV O C Required if in 020x


ANS100 message data.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 74

Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M

■ Issuer Network AN3 C C


Identification

■ Acquirer Network ID: AN3 C C May be returned, if


Transaction received in the request,
Identification if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

■ Processor ID AN6 O M Switch-filled

067 Extended Payment Code N2 O O Unsupported

098 Payer/Payee Data AN25 C C See Chapter 12 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

102 Account Identification 1 LLV ANS28 O O

103 Account Identification 2 LLV ANS28 O O

104 Interchange Group LLLV O O ■ May be returned, if


Identifier ANS100 received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

■ Also see Chapter 14 in


this manual.

■ Also see Chapter 12 in


the STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 75

Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

105 Large Private Data LLLV C C ■ For Account Balance


ANS255 Profile (39xx00)
transactions, required
on transmit, optional
on receive.

■ Provides enhanced
balance amounts, text,
and other information.

■ For Receiver/Send
Data, also see Chapter
13 in this manual and
Chapter 12 in the STAR
ISO 8583 Gateway/
Product Interface
Guide.

111 Additional Data, Private LLLV O O


Acquirer AN255

113 Card Issuer LLLV M M


Identification Code AN011

114 Authorizating Agent LLLV O C


Country Code AN003

120 Account Qualifiers LLLV O C


AN006

121 Additional Data, Private LLLV M M For Statement Data


Issuer ANSnnn (91xx00) transactions,
nnn varies. See Chapter
15 in this manual for
detailed information.

122 Sponsor Bank ID LLLV O ■ STAR SE/W platforms


AN011 only.

■ May be returned, if
received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 76

Table 3.16: 0210 Financial Transaction Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

123 AVS / CVx2 / 3-D / LLLV C C ■ See Chapter 6 in the


Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide for
detailed information.

■ Only present if
required by or
transmitted from
another network.

125 Network Management LLLV O C ■ May be returned , if


Information/Tagged ANS56 received in the request
Issuer Data (if the Card-Issuer
Processor wants to
receive this field in a
reversal for a late
response).

■ Optional for Acquirers


to receive in response
messages and to send
in subsequent advice
and reversal
messages.

126 Issuer Tracer ID LLLV O C May be returned, if


ANS100 received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.

127 Acquirer Trace ID LLLV O O ■ Also see Chapter 12 in


ANS100 the STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 77

0220/0221 Financial Transaction Advice


Table 3.17: 0220/0221 Financial Transaction Advice
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M ■ ‘0220’ for initial advice.

■ ‘0221’ for repeat


advice.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 C C Required if message


contains data elements
in the range of 065 to
128.

002 Primary Account LLV N19 M C ■ STAR acquirer


Number processors must send
DE 002 in all
completion advices.

■ STAR issuer processors


will receive DE 002 in
all completion advices
(although STAR switch
stand-in advice
messages may carry
DE 035 instead).

003 Processing Code N6 M M STAR acquirers should


copy from the 0110. DE
003 may not match that
of the 0110 for other
acquiring networks

004 Amount, Transaction N12 M M

005 Amount, Settlement N12 C C Multi-Currency Field

006 Amount, Cardholder N12 C C Multi-Currency Field


Billing

007 Transmission Date & N10 M M ■ Updated by each


Time processing end.

■ Greenwich Mean Time.

■ MMDDhhmmss

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 78

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

008 Amount, Cardholder N8 O O Unsupported


Billing Fee

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

010 Conversion Rate, N8 C C Multi-Currency Field


Cardholder Billing

011 System Trace Audit N6 M M Copied from 01xx, 02xx.


Number

012 Time, Local Transaction N6 M M ■ Copied from 01xx,


02xx.

■ hhmmss

013 Date, Local Transaction N4 M M ■ Copied from 01xx,


02xx.

■ MMDD

014 Date, Expiration N4 C C YYMM

015 Date, Settlement N4 M M ■ STAR Business Date

■ MMDD

016 Date, Conversion N4 O O ■ Multi-Currency Field

■ MMDD

017 Date, Capture N4 O C MMDD

018 Merchant Type N4 M C

019 Acquiring Institution N3 C C Required if not US (840).


Country Code

022 Point-Of-Service Entry N3 C C Required for transactions


Mode from a POS device.

023 Card Sequence Number N3 O O May be used to send a


card sequence (plastic)
number if Track 2
(DE 035) data present.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 79

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

025 Point-Of-Service N2 O O ■ Only present if


Condition Code required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

028 Amount, Transaction X + N8 C C Required for Acquirer


Fee Processors collecting a
Convenience fee or
providing a customer
rebate.

029 Amount, Settlement Fee X + N8 C C Multi-Currency Field

030 Amount, Processing X + N8 O O Unsupported

031 Amount, Settlement X + N8 O O Unsupported


Processing Fee

032 Acquiring Institution LLV N11 M M


Identification Code

033 Sponsor ID LLV N11 C ■ Required in ATM


transactions if terminal
is sponsored by a STAR
financial institution.

■ Applicable only on
Acquirer side.

035 Track 2 Data LLV NS37 C STAR issuer processors


will not receive DE 035 in
completion advices
(although STAR switch
stand-in advice
messages may carry it).

037 Retrieval Reference AN12 M M Must be copied from


Number 01xx / 02xx.

038 Authorization ID AN6 C C Must be copied from


Response 0110 / 0210 if available.

039 Response Code AN2 M M

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 80

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

040 Service Restriction Code AN3 O O Unsupported

041 Card Acceptor Term AN8 M M Must be copied from


Identification 01xx / 02xx.

042 Card Acceptor ANS15 C C Required for STAR POS


Identification Code Acquirer Processors.

043 Card Acceptor Location AN40 M M Reg. E Data

045 Track 1 LLV ANS76 C STAR issuer processors


will not receive DE 045 in
completion advices
(although STAR switch
stand-in advice
messages may carry it if
a financial request is
received from another
network and it contains
DE 045).

047 Additional Data, LLLV C Details are available in


National ANS..100 the STAR ISO 8583
Gateway/Product
Interface Guide.

048 Merchant/Bank Name LLLV M C ■ Reg. E Data, required


ANS025 for all STAR ATM and
POS Acquirer
Processors.

■ Sent to Card-Issuer
Processors if available
(as non-STAR
networks may not
send).

049 Currency Code, N3 M M


Transaction

050 Currency Code, N3 C C Multi-Currency Field


Settlement

051 Currency Code, N3 C C Multi-Currency Field


Cardholder Billing

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 81

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

054 Additional Amounts LLLV C C Sent if


ANS120 transaction-related
amounts are present.

055 Additional Fees LLLV O ■ Only present if


ANS088 required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

058 National LLLV N010 M M STAR pre-authorized


Point-Of-Service completions must/will
Condition Code have ‘88’ in positions
4-5.

059 National LLLV C O ■ Acquirers may need to


Point-Of-Service AN017 send if they participate
Geographic Data in a network that
requires it.

060 Advice / Reversal Code LLLV M M


AN006

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields.

■ Reversal Reason ANS2 O O

■ Advice Reason ANS2 M M

061 Acquirer Transport Data LLLV O O Will be echoed in


ANS100 response, but will not be
forwarded to the
Card-Issuer Processor.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 82

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M

■ Issuer Network AN3 C C Recommended that


Identification Acquirer should send
from what was received
in the 0110 or 0210.

■ Acquirer Network AN3 O C


Identification

■ Processor ID AN6 O M Switch-filled

067 Extended Payment Code N2 O O Unsupported

098 Payer/Payee Data AN25 C C Also see Chapter 12 in


the STAR ISO 8583
Gateway/Product
Interface Guide.

102 Account Identification 1 LLV ANS28 C O Copied from 0110.

103 Account Identification 2 LLV ANS28 C O

104 Interchange Group LLLV C C ■ Required if present in


Identifier ANS100 the 010x or 020x.

■ Also see Chapter 13 in


this manual.

■ For POS Payment


information, see
Chapter 12 in the STAR
ISO 8583 Gateway/
Product Interface
Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 83

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

105 Large Private Data ANS255 C C For POS Payment


information, see Chapter
12 in the STAR ISO 8583
Gateway/Product
Interface Guide.

111 Additional Data, Private LLLV O O ■ May be returned, if


Acquirer AN255 received in the
request, and if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.

■ See Chapter 8 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

113 Card Issuer LLLV N011 O O ■ Only present if


Identification Code required by or
transmitted from
another network.

■ Details are available in


the STAR ISO 8583
Gateway/Product
Interface Guide.

120 Account Qualifiers LLLV O O Details are available in


AN006 the STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 84

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

122 Sponsor Bank ID LLLV O ■ SE/W platforms only.


AN011
■ If sent by another
network, this field is
optionally available to
STAR Issuers.

■ STAR Acquirers should


not send in this field
for ATM transactions.

■ See Chapter 2 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

123 AVS / CVx2 / 3-D / LLLV C C ■ See Chapter 6 in the


Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide for
detailed information.

■ MICR data sent only if


available.

125 Network Management LLLV O O ■ For isuers that elect to


Information/Tagged ANS56 receive the ALL STAR
Issuer Data Indicator.

■ Optional for Acquirers


to receive in response
messages and to send
in subsequent advice
and reversal
messages.

127 Acquirer Trace ID LLLV O O ■ Only present if


ANS100 required by or
transmitted from
another network.

■ Also see Chapter 12 in


the STAR ISO 8583
Gateway/Product
Interface Guide.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 85

0230 Financial Transaction Advice Response


Table 3.18: 0230 Financial Transaction Advice Response
Requirements
Transm
Bit ISO Field Name Data Type it Recv Notes

– Message Type N4 M M Always ‘0230’.

– Bit Map, Primary b64 M M

003 Processing Code N6 M M For Self Service Check


deposit, must be
21 00 xx.

004 Amount, Transaction N12 M M

005 Amount, Settlement N12 C C Multi-Currency Field

007 Transmission Date & N10 M M ■ Updated by each


Time processing end.

■ Greenwich Mean Time.

■ MMDDhhmmss

009 Conversion Rate, N8 C C Returned if received in


Settlement 022x message.

011 System Trace Audit N6 M M Copied from the 022x


Number message.

012 Time, Local Transaction N6 M M ■ Copied from the 022x


message.

■ hhmmss

013 Date, Local Transaction N4 M M ■ Copied from the 022x


message.

■ MMDD

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

028 Amount, Transaction X + N8 O O Required if received in


Fee the 022x message.

029 Amount, Settlement Fee X + N8 O O

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 86

Table 3.18: 0230 Financial Transaction Advice Response (cont.)


Requirements
Transm
Bit ISO Field Name Data Type it Recv Notes

037 Retrieval Reference AN12 M M Copied from the 022x


Number message.

039 Response Code AN2 M M STAR Issuers must


return ‘00’.

044 Additional Response LLV AN25 C Used by STAR Network


Data to provide information to
Acquirers about the
nature of edit errors in
conjunction with
Response Code (DE 039)
of '30'.

049 Currency Code, N3 M M Copied from the 022x


Transaction message.

050 Currency Code, N3 C C Returned if received in


Settlement 022x message.

055 Additional Fees LLLV C C Required if received in


ANS088 the 0xxx message

061 Acquirer Transport LLLV O O Required if present in


ANS100 022x data.

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M Required if present in


022x.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 87

File Maintenance Messages

0300 Acquirer File Update Request (Negative File) SE/W Platforms


Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W
Platforms
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0300’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M

002 Primary Account LLV N19 M M


Number

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

011 System Trace Audit N6 M M


Number

023 Card Sequence Number N3 C C Used if “plastic numbers”


are supported by the
Card-Issuer Processor.

039 Response Code AN2 C C Indicates the response


code used by the switch
when a transaction is to
be denied. Presented on
adds and updates only.

061 Acquirer Transport Data LLLV C C Four (4) digit switch


ANS100 internal code. Presented
on adds and updates
only.

062 Issuer Transport Data LLLV C C See Chapter 5, STAR ISO


ANS100 8583 Gateway/Product
Interface Guide for
further information.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 88

Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W
Platforms (cont.)
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

091 File Update Code AN1 M M ■ '1' = Add

■ '2' = Update

■ '3' = Delete

096 Message Security Code AN8 M M Switch assigned 5-byte


security code.

101 File Name LLV ANS17 M M Always ‘PI-NEGATIVE’.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 89

0302 Card Issuer File Update Request (Negative File)


Table 3.20: 0302 Card Issuer File Update Request (Negative File)
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0302’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M Required if fields


specified in DE 065 to
DE 128.

002 Primary Account LLV N19 M M


Number

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

011 System Trace Audit N6 M M


Number

014 Date, Expiration N4 O O YYMM

023 Card Sequence Number N3 C C Used if “plastic numbers”


are supported by the
Card-Issuer Processor.

039 Response Code AN2 C C

044 Additional Response LLV AN25 O O


Data

062 Issuer Transport Data LLLV O O See Chapter 5, STAR ISO


ANS100 8583 Gateway/Product
Interface Guide for
further information.

091 File Update Code AN1 M M

096 Message Security Code AN8 M M

101 File Name LLV ANS17 M M Always ‘PI-NEGATIVE’.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 90

0310 Acquirer File Update Response (Negative File) SE/W Platforms


Table 3.21: 0310 Acquirer File Update Response (Negative File) SE/W
Platforms
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0310’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M

002 Primary Account LLV N19 M M Required if received in


Number the 0300 message.

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

011 System Trace Audit N6 M M Copied from the 0300


Number message.

023 Card Sequence Number N3 C C Required if present in


0302 message.

039 Response Code AN2 M M ■ Indicates the result of


the file update request.

■ Valid Value = '00'.

091 File Update Code AN1 M M Copied from the 0300


message.

0312 Card Issuer File Update Response (Negative File)


Table 3.22: 0312 Card Issuer File Update Response (Negative File)
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0312’.

– Bit Map, Primary b64 M M

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 91

Table 3.22: 0312 Card Issuer File Update Response (Negative


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

001 Bit Map, Secondary b64 M M Required if fields


specified in DE 065 to
DE 128.

002 Primary Account LLV N19 M M Copied from the 0302


Number message.

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

011 System Trace Audit N6 M M Copied from the 0302


Number message.

014 Date, Expiration N4 O O YYMM

023 Card Sequence Number N3 C C Present if the field was in


the 0302 message.

039 Response Code AN2 M M Must be a value of ‘0’.

044 Additional Response LLV AN25 C C STAR SE/W Platform


Data only:
In response to the
Card-Issuer Processor’s
0302 inquiry, STAR will
return the status code
for the PAN in the
negative file.

062 Issuer Transport Data LLLV C C Required if present in


ANS100 0302 message.

091 File Update Code AN1 M M Copied from the 0302


message.

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Chapter 3: Message Formats 92

0322 Negative File Update Advice


Table 3.23: 0322 Negative File Update Advice
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0322’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M


Number

007 Transmission Date & N10 M MMDDhhmmss


Time

011 System Trace Audit N6 M


Number

023 Card Sequence Number N3 C Used if “plastic numbers”


are supported by the
Card-Issuer Procssor.

039 Response Code AN2 M ■ Presented on Adds,


Updates and Deletes.

■ New denial code ‘T6’


indicates when CV
Threshold has been
reached.

091 File Update Code AN1 M ‘1’ = Add

‘2’ = Update

‘3’ = Delete

096 Message Security Code AN8 M

101 File Name LLV ANS17 M ‘PI-NEGATIVE’

113 Issuer Institution ID LLV N12

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Chapter 3: Message Formats 93

0332 Negative File Update Advice Acknowledgement


Table 3.24: 0332 Negative File Update Advice
Acknowledgement
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0332’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M


Number

007 Transmission Date & N10 M MMDDhhmmss


Time

011 System Trace Audit N6 M


Number

039 Response Code AN2 M Must be ‘00’

091 File Update Code AN1 M Copied from 0322


message

0382 PIN Change Request


Table 3.25: 0382 PIN Change Request
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0382’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M


Number

007 Transmission Date & N10 M


Time

011 System Trace Audit N6 M


Number

023 Card Sequence Number N3 C

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Chapter 3: Message Formats 94

Table 3.25: 0382 PIN Change Request (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

091 File Update Code AN1 M ‘2’ = Change

096 Message Security Code AN8 M

101 File Name LLV ANS17 M ‘PIN CHANGE’

113 Card Issuer LLLV M


Identification Code AN011

124 Additional Data, Private LLLV M Contains PIN change


Acq AN255 information.

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Chapter 3: Message Formats 95

0392 PIN Change Reply


Table 3.26: 0392 PIN Change Reply
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0392’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M


Number

007 Transmission Date & N10 M


Time

011 System Trace Audit N6 M


Number

023 Card Sequence Number N3 C

039 Response Code AN2 M

091 File Update Code AN1 M ‘2’ = Change

101 File Name LLV ANS17 M ‘PIN CHANGE’

113 Card Issuer LLLV M


Identification Code AN011

124 Additional Data, Private LLLV M Copied from the 0382


Acq AN255 message.

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Chapter 3: Message Formats 96

0382 PIN Offset File Update Request


Table 3.27: 0382 PIN Offset File Update Request
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0382’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M


Number

007 Transmission Date & N10 M MMDDhhmmss


Time

011 System Trace Audit N6 M


Number

023 Card Sequence Number N3 C

091 File Update Code AN1 M ■ ‘1’ = Add

■ ‘2’ = Change

■ ‘3’ = Delete

096 Message Security Code AN8 M Copied from the 0382


message.

101 File Name LLV ANS17 M ‘OFFSET FILE’

STAR SE/W Platform


only:

■ Values:

◆ ‘CH01’ - Cardholder
information

◆ ‘CH02’ - Track II
information

113 Card Issuer LLLV M


Identification Code AN011

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Chapter 3: Message Formats 97

Table 3.27: 0382 PIN Offset File Update Request (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

124 Additional Data, Private LLLV M Contains PIN offset


Acq AN255 value.

STAR SE/W Platform


only:

■ Cardholder file
maintenance data.

■ This data element


contains CH01A or
CH02A record
maintenance data
(starting at the PAN
field).

■ Use upper-case for all


alphabetic values.

■ When DE091 File


Update Code = 2
(update), the following
rules apply:

◆ Blank spaces =
Existing data does
not change

◆ Asterisks = Existing
data is blanked out
(for alpha and
alpha-numeric fields
only).

◆ Zeros = Values are


set to zeros.

◆ Other characters or
text = Existing data
is replaced with the
new data.

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Chapter 3: Message Formats 98

0392 PIN Offset File Update Reply


Table 3.28: 0392 PIN Offset File Update Reply
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0392’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M


Number

007 Transmission Date & N10 M MMDDhhmmss


Time

011 System Trace Audit N6 M Same value as is used in


Number 0800 messages.

023 Card Sequence Number N3 C

039 Response Code AN2 M ■ ‘00’ = Update


successful

■ ‘25’ = Not found


(update/delete only)

■ ‘26’ = Already on file


(add only)

■ ‘29’ = Update not


successful

091 File Update Code AN1 M Copied from the 0382


Message

096 Message Security Code AN8 M

101 File Name LLV ANS17 M Copied from the 0382


Message

113 Card Issuer LLLV M


Identification Code AN011

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Chapter 3: Message Formats 99

Table 3.28: 0392 PIN Offset File Update Reply (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

124 Additional Data, Private LLLV M Contains PIN offset


Acq AN255 value.

STAR SE/W Platform


only:

■ Copied from the 0382


Message

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Chapter 3: Message Formats 100

0382 Card Activation Request


Table 3.29: 0382 Card Activation Request
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M M ‘0382’

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M

007 Transmission Date & N10 M M


Time

011 System Trace Audit N6 M M


Number

091 File Update Code AN1 M M ‘2’ = Change

096 Message Security Code AN8 M M Same value as is used in


0800 messages.

101 File Name LLV ANS17 M M ‘CARD ACTIVATION’

113 Card Issuer LLLV M M


Identification Code AN011

124 Additional Data, Private LLLV M M Contains Cardholder


Acq AN255 data.

0392 Card Activation Reply


Table 3.30: 0392 Card Activation Reply
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M M ‘0392’

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M

007 Transmission Date & N10 M M


Time

011 System Trace Audit N6 M M Copied from 0384


Number message.

039 Response Code AN2 M M

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Chapter 3: Message Formats 101

Table 3.30: 0392 Card Activation Reply (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

091 File Update Code AN1 M M Copied from 0384


message.

101 File Name LLV ANS17 O M Copied from 0384


message.

113 Card Issuer LLLV O M Copied from 0384


Identification Code AN011 message.

124 Additional Data, Private LLLV M M Copied from 0384


Acq AN255 message.

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Chapter 3: Message Formats 102

0384 PIN Change Advice - NE Platform


Table 3.31: 0384 PIN Change Advice - NE Platform
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0384’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M


Number

007 Transmission Date & N10 M


Time

011 System Trace Audit N6 M


Number

023 Card Sequence Number N3 C Used if ‘plastic numbers’


are supported by the
Card-Issuer Processor.

091 File Update Code AN1 M ‘2’ = Change

101 File Name LLV ANS17 M ‘PIN CHANGE’

113 Card Issuer LLLV M


Identification Code AN011

124 Additional Data, Private LLLV M Contains PIN offset


Acq AN255 value.

0394 PIN Change Advice Acknowledgement - NE Platform


Table 3.32: 0394 PIN Change Acknowledgement - NE Platform
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M ‘0394’

– Bit Map, Primary b64 M

001 Bit Map, Secondary b64 M

002 Primary Account LLV N19 M Copied from 0384


Number message.

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Chapter 3: Message Formats 103

Table 3.32: 0394 PIN Change Acknowledgement - NE Platform (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

007 Transmission Date & N10 M


Time

011 System Trace Audit N6 M Copied from 0384


Number message.

023 Card Sequence Number N3 C Required if present in


0384 message.

039 Response Code AN2 M Must be ‘00’

091 File Update Code AN1 M Copied from 0384


message.

101 File Name LLV ANS17 O Copied from 0384


message.

113 Card Issuer LLLV O Copied from 0384


Identification Code AN011 message.

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Chapter 3: Message Formats 104

Reversal Messages

0420/0421 Acquirer Reversal Advice


Table 3.33: 0420/0421 Acquirer Reversal Advice
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

– Message Type N4 M M ■ ‘0420’ for initial


transaction.

■ ‘0421’ for repeat


(STAR
SE/W Platform only).

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 C C Required if message


contains data elements
in the range of 065 to
128.

002 Primary Account LLV N19 M C ■ STAR acquirer


Number processors must send
DE 002 in all reversal
advices.

■ STAR issuer processors


will receive DE 002 in
all reversal advices
(although STAR switch
stand-in advice
messages may carry
DE 035 instead).

003 Processing Code N6 M M STAR acquirers should


copy from the 0110 or
0210. DE 003 may not
match that of the 0110
or 0210 for other
acquiring networks.

004 Amount, Transaction N12 M M Copied from 02xx or


01xx.

005 Amount, Settlement N12 C C Required if present in


02xx or 01xx request
message.

STAR ISO 8583 MESSAGE FORMAT GUIDE


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Chapter 3: Message Formats 105

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

006 Amount, Cardholder N12 C C Multi-currency field


Billing

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

008 Amount, Cardholder N8 O O Unsupported


Billing Fee

009 Conversion Rate, N8 C C Required if present in


Settlement 02xx or 01xx request
message.

010 Conversion Rate, N8 C C


Cardholder Billing

011 System Trace Audit N6 M M Copied from 02xx or


Number 01xx.

012 Time, Local Transaction N6 M M ■ Copied from 02xx or


01xx.

■ hhmmss

013 Date, Local Transaction N4 M M ■ Copied from 02xx or


01xx.

■ MMDD

014 Date, Expiration N4 C C ■ Required if present in


02xx.

■ YYMM

015 Date, Settlement N4 M M ■ STAR business date.

■ MMDD

016 Date, Conversion N4 C C ■ Multi-Currency Field

■ MMDD

017 Date, Capture N4 C C Required if present in


020x.

STAR ISO 8583 MESSAGE FORMAT GUIDE


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Chapter 3: Message Formats 106

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

018 Merchant Type N4 M C Copied from 01xx or


02xx.

019 Acquiring Institution N3 C C Required if not US (840).


Country Code

022 Point-Of-Service Entry N3 C C ■ Required to be


Mode returned in a reversal
if received on a
023 Card Sequence Number N3 O O response message.

025 Point-Of-Service N2 O O ■ Is not sent to the


Condition Code Issuer in reversals
unless the Acquirer
supplied it, or for late
or unsolicited
responses, unless the
Issuer included this
data element in their
response.

028 Amount, Transaction X + N8 C C Required if present in


Fee 01xx or 02xx message.

029 Amount, Settlement Fee X + N8 C C

030 Amount, Processing Fee X + N8 O O Unsupported

031 Amount, Settlement X + N8 O O Unsupported


Processing Fee

032 Acquiring Institution LLV N11 M M Copied from 02xx or


Identification Code 01xx.

033 Sponsor ID LLV N11 C ■ Required in ATM


transactions if terminal
is sponsored by a STAR
financial institution.

■ Applicable only on
Acquirer side.

035 Track 2 Data LLV NS37 C STAR issuer processors


will not receive DE 035 in
reversal advices
(although STAR switch
stand-in advice
messages may carry it).

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 107

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

037 Retrieval Reference AN12 M M Copied from 02xx or


Number 01xx.

038 Authorization AN6 C C Copied from 0210 or


Identification Response 0110 message, if
available.

039 Response Code AN2 M M Copied from 0110 or


0210.

040 Service Restriction Code AN3 O O Unsupported

041 Card Acceptor/Merchant AN8 M M Copied from 02xx or


Terminal ID 01xx message.

042 Card Acceptor/Merchant ANS15 C C Issuers may or may not


ID Code receive.

043 Card Acceptor/Merchant AN40 C C Required to be returned


Name & Location in a reversal if received
on a response message.

045 Track 1 LLV ANS76 C STAR issuer processors


will not receive DE 045 in
reversal advices
(although STAR switch
stand-in advice
messages may carry it if
a financial request is
received from another
network and it contains
DE 045.

047 Additional Data, LLLV C See the STAR ISO


National ANS...100 Gateway/Product
Interface Guide.

048 Merchant/Bank Name LLLV C C ■ Acquirers should send


ANS025 if available.

■ Issuers may or may


not receive. Sent to
Card-Issuer Processors
if available (as
non-STAR networks
may not send).

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 108

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

049 Currency Code, N3 M M Copied from 02xx or


Transaction 01xx.

050 Currency Code, N3 C C Required if in 02xx or


Settlement 01xx.

051 Currency Code, N3 C C Required if in 02xx or


Cardholder Billing 01xx.

054 Additional Amounts LLLV C C Acquirer must send if


ANS120 sent in the original
request or if present in
the response.

055 Additional Fees LLLV O ■ Only present if


ANS088 required by or
transmitted from
another network.

■ Details are available


the STAR ISO 8583
Gateway/Product
Interface Guide.

056 Replacement Additional LLLV C Present for over- or


Fees ANS088 under-dispense reversals
that contain a
MasterCard Currency
Conversion Assessment
(CCA) fee.

057 Authorization Life Cycle LLLV N003 C C Required if in 01xx.

058 National LLLV N010 M M Copied from 010x or


Point-Of-Service 020x.
Condition Code

059 National LLLV C O Acquirers may need to


Point-Of-Service AN017 send if they participate in
Geographic Data a network that requires
it.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 3: Message Formats 109

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

060 Advice / Reversal Code LLLV M M


AN006

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields.

■ Reversal Reason ANS2 M M See Chapter 12 of this


guide for additional
■ Advice Reason ANS2 C C information.

061 Acquirer Transport Data LLLV O O Will be echoed in


ANS100 response but will not be
forwarded to the
Card-Issuer Processor.

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Terminal AN6 M M

■ Issuer Network AN3 C C Recommended that


Identification Acquirers send what was
received in the 0210 or
0110 message.

■ Acquirer Network AN3 C C


Identification

■ Processor ID AN6 O M Required from 02xx or


01xx.

067 Extended Payment Code N2 O O Unsupported

090 Original Data Elements N42 M M Original message type


required.

095 Replacement Amounts AN42 C C Required if partial or


over dispense occurs.
Amount should reflect
the actual amount
dispensed.

STAR ISO 8583 MESSAGE FORMAT GUIDE


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Chapter 3: Message Formats 110

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

098 Payer/Payee Data AN25 C C See Chapter 12 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

102 Account Identification 1 LLV ANS28 C C Copied from 0110 or


0210 message, if
103 Account Identification 2 LLV ANS28 C C available.

104 Interchange Group LLLV C C ■ Must be sent if


Identifier ANS100 contained in the 0110
and 0210.

■ For MasterCard POS


Payment information,
see Chapter 12 in the
STAR ISO 8583
Gateway/Product
Interface Guide.

105 Large Private Data LLLV C C ■ Also see Chapter 14 in


ANS255 this manual.

■ For MasterCard POS


Payment information,
see Chapter 12 in the
STAR ISO 8583
Gateway/Product
Interface Guide.

111 Additional Data, Private LLLV O O Also see Chapter 8 in the


Acquirer AN255 STAR ISO 8583
Gateway/Product
Interface Guide.

113 Card Issuer LLLV O O Copied from 0210 or


Identification Code AN011 0110.

120 Account Qualifiers LLLV O C


AN006

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Chapter 3: Message Formats 111

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)


Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes

122 Sponsor Bank ID LLLV O ■ SE/W platforms only.


AN011
■ If sent by another
network, this field is
optionally available to
STAR Issuers.

■ STAR Acquirers should


not send in this field
for ATM transactions.

■ See Chapter 2 in the


STAR ISO 8583
Gateway/Product
Interface Guide.

123 AVS / CVx2 / 3-D / LLLV C C Also see Chapter 8 in the


Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide.

125 Network Management LLLV O O ■ For isuers that elect to


Information/Tagged ANS56 receive the ALL STAR
Issuer Data Indicator.

■ Optional for Acquirers


to receive in response
messages and to send
in subsequent advice
and reversal
messages.

127 Acquirer Trace ID LLLV O O ■ Only present if


ANS100 required by or
transmitted from
another network.

■ Also see Chapter 12 in


the STAR ISO 8583
Gateway/Product
Interface Guide.

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Chapter 3: Message Formats 112

0430 Acquirer Reversal Response


Table 3.34: 0430 Acquirer Reversal Response
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0430’

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 C M

003 Processing Code N6 M M Copied from the 042x


message.
004 Amount, Transaction N12 M M

005 Amount, Settlement N12 C C Multi-Currency Field

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

009 Conversion Rate, N8 C C Multi-Currency Field


Settlement

011 System Trace Audit N6 M M Copied from the 042x


Number message.

012 Time, Local Transaction N6 M M ■ Copied from the 042x


message.

■ hhmmss

013 Date, Local Transaction N4 M M ■ Copied from the 042x


message.

■ MMDD

015 Date, Settlement N4 M M MMDD

028 Amount, Transaction X + N8 C C Required if received in


Fee the 042x message and
amount transaction fee
is present.

029 Amount, Settlement Fee X + N8 C C Multi-Currency Field

037 Retrieval Reference AN12 M M Copied from the 042x


Number message.

STAR ISO 8583 MESSAGE FORMAT GUIDE


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Chapter 3: Message Formats 113

Table 3.34: 0430 Acquirer Reversal Response (cont.)


Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

039 Response Code AN2 M M STAR Issuers must


return ‘00’.

044 Additional Response LLV AN25 C Used by STAR to provide


Data information to Acquirers
about the nature of edit
errors in conjunction
with Response Code (DE
039) of '30'.

049 Currency Code, N3 M M Copied from the 042x


Transaction message.

050 Currency Code, N3 C C Multi-Currency Field


Settlement

055 Additional Fees LLLV C C Required if received in


ANS088 the 0xxx message

061 Acquirer Transport Data LLLV O C Required if present in


ANS100 042x.

063 STAR Data LLLV M M


ANS050

■ Byte Map AN2 M M Required to indicate the


presence of the
subfields. Must be first
subfield.

■ Pseudo Term AN6 M M

090 Original Data Elements N42 M M

095 Replacement Amounts AN42 C C

123 AVS / CVx2 / 3-D / LLLV O O


Check Auth / ATM ANS255
Overdraft / Cash/Check
Deposits

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Chapter 3: Message Formats 114

Administrative Messages

0620 Administrative Advice


Table 3.35: 0620 Administrative Advice
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0620’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

011 System Trace Audit # N6 M M

070 Network Management N3 M M Always ‘900’.


Information Code

124 Additional Data, Private LLLV M M


ANS255

STAR ISO 8583 MESSAGE FORMAT GUIDE


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Chapter 3: Message Formats 115

Network Management Messages

0800 Network Management Request


Table 3.36: 0800 Network Management Request
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0800’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

011 System Trace Audit # N6 M M

070 Network Management N3 M M


Information Code

096 Message Security Code AN M M

125 Network Management LLLV C C Required when network


Information ANS050 management information
code = ‘161’ or ‘171’.

STAR ISO 8583 MESSAGE FORMAT GUIDE


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0810 Network Management Response


Table 3.37: 0810 Network Management Response
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes

– Message Type N4 M M Always ‘0810’.

– Bit Map, Primary b64 M M

001 Bit Map, Secondary b64 M M

007 Transmission Date & N10 M M ■ Updated by each


Time processing end point.

■ Greenwich Mean Time.

■ MMDDhhmmss

011 System Trace Audit N6 M M Copied from the 0800


Number message.

039 Response Code AN2 M M

070 Network Management N3 M M Copied from the 0800


Information Code message.

STAR ISO 8583 MESSAGE FORMAT GUIDE


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Chapter 4 117

Data Element Definitions

STAR ISO 8583 Message Data Formats


ISO format standards specify the following:
■ Byte maps will always be in hexadecimal format.
■ Variable fields may be variable in length. Host must be capable of parsing
variable-length subfields to determine length of field.

Options available to Processors using the STAR ISO 8583 message format:

Table 4.1: STAR ISO 8583 Processor Options


Message Data Description

Alphanumeric Fields Usage of ASCII or EBCDIC format

Primary (DE 001-064) and 16-byte hexadecimal format or 8-byte binary


Secondary (DE 065-128)
Bit Maps

Numeric Fields Packed or unpacked

Unsupported Data Elements


The following ISO elements are unsupported on the STAR Platforms:

■ 008 Amount Cardholder Billing ■ 020 PAN Extended Country Code


Fee
■ 021 Forwarding Institution ■ 024 Network International
Country Code Identifier
■ 027 Authorization Identification ■ 030 Amount, Transaction
Response Length Processing Fee
■ 031 Amount, Settlement ■ 034 Primary Account Number
Processing Fee (PAN), Extended
■ 036 Track 3 Data ■ 040 Service Restriction Code
■ 046 Additional Data ISO ■ 053 Security Related Control
Information
■ 064 Message Authentication Code ■ 065 Bit Map Extended
(MAC)
■ 066 Settlement Code ■ 067 Extended Payment Code
■ 068 Receiving Institution Country ■ 069 Settlement Institution
Code Country Code

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■ 071 Message Number ■ 072 Message Number


■ 073 Date, Action ■ 074 Credits, Number
■ 075 Credits, Reversal Number ■ 076 Debits, Number
■ 077 Debits, Reversal Number ■ 078 Transfer Number
■ 079 Transfer, Reversal Number ■ 080 Inquiry Number
■ 081 Authorization, Number ■ 082 Credits, Processing Fee
Amount
■ 083 Credits, Transaction Fee ■ 084 Debits, Processing Fee
Amount Amount
■ 085 Debits, Transaction Fee ■ 086 Credits, Amount
Amount
■ 087 Credits, Reversal Amount ■ 088 Debits, Amount
■ 089 Debits, Reversal Amount ■ 092 File Security Code
■ 093 Response Indicator ■ 094 Service Indicator
■ 097 Amount Net Settlement ■ 099 Settlement Institution ID
Code
■ 106 Large Private Data 2 ■ 107 Large Private Data 3
■ 108 Large Private Data 4 ■ 109 Reserved For ISO Use
■ 110 Reserved For ISO Use ■ 112 Reserved For National Use
■ 115 Reserved For National Use ■ 116 Reserved For National Use
■ 117 Reserved For National Use ■ 118 Reserved For National Use
■ 119 Reserved For National Use ■ 128 Message Authentication Code

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Data Elements
– Message Type
STAR Element Format NP-4

Definition A four-digit identifier of the type of message.

Processing Rules ■ This data element is required.

■ Message Type identifier must be present as the first field of any


message.

– Bit Map, Primary


STAR Element Format b-8 bytes or 16 hex bytes if numeric packing option not set.

Definition A series of 64 bits used to identify the presence (denoted by 1) or


absence (denoted by 0) of data elements 001 through 064.

Processing Rules ■ This data element is required.

■ Primary Bit Map must be present following the Message Type


field of any message.

■ Must include minimum bit map required by STAR Switch,


depending upon the message type.

001 Bit Map, Secondary


STAR Element Format b-8 bytes or 16 hex bytes if numeric packing option not set.

Definition A series of 64 bits used to identify the presence (denoted by 1) or


absence (denoted by 0) of data elements 065 through 128.

Processing Rules ■ This data element is conditional on the presence of one or more
data elements in the range 065-128.

■ Must include minimum bit map required by STARSwitch,


depending upon the message type.

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002 Primary Account Number (PAN)


STAR Element Format LLV NP-19

Definition A series of digits to identify a customer account or relationship.


Message Type Disposition Condition

Acquirer

■ 010x,012x,020x Conditional Required if PAN is manually entered or


Track 2 data is unavailable. Otherwise,
optional.

■ 0110, 0210 Conditional Will be returned in response if sent in


request.

■ 022x, 042x Required DE002 must be passed.

■ 03xx Required

Issuer

■ 010x, 012x, 020x Conditional Will be present if PAN is manually entered or


if Track Data is unavailable.

■ 0110, 0210 Conditional Must be returned in response if received in


request.

■ 022x Conditional STAR issuer processors will receive DE 002


in all completion advices (although STAR
switch stand-in messages may carry DE 035
instead).

■ 042x Conditional STAR issuer processors will receive DE 002


in all reversal advices (although STAR
switch stand-in messages may carry DE 035
instead).

Processing Rules Required if Point of Service Entry Mode (DE 022) indicates that
the PAN was manually entered.

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003 Processing Code


STAR Element Format NP-6

Definition A series of digits used to describe the effect of a transaction on


the customer account and the accounts affected.

Format Position 1-2 Transaction Type

Position 3-4 From Account

Position 5-6 To Account


Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Required


0130, 020x, 0210,
022x, 0230, 042x,
0430

Processing Rules ■ STAR ATM/POS Card-Issuer Processors must respond to


mandatory processing codes.

■ STAR Acquirer Processors must send processing code 000000


for quasi-cash. See Chapter 10: Data Element 054: Additional
Amounts for quasi-cash transaction requirements for DE 054.

Position 1-2 ‘00’ ‘00’ = Goods and Services (Debit)

‘01’ Withdrawal / Cash Advance


(Debit)

‘11’ Quasi-Cash (Debit) / Issuer Only

‘17’ Cashed Check

‘20’ Return / Correction (Credit)

‘21’ Deposits (Credit)

‘30’ Available Funds Inquiry

‘31’ PIN’d Account Inquiry (STAR NE


platform)

‘33’ PIN-less Account Verification

‘35’ Account List Inquiry (STAR NE


platform only)

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003 Processing Code (cont.)


Processing Rules ‘39’ Account Balance Profile/PIN-less
(cont.) Account Inquiry

‘40’ Transfer

‘50’ Bill Payment (Debit)/Payment to


Third Party

‘54’ Money Transfer Debit

‘55’ Payment from a Third Party


(Credit)

‘56’ Money Transfer Credit

‘56’ Payment/Funds Transfer (Credit)

‘58’ Electronic Payment (STAR NE


platform only)

‘59’ Payment Enclosed (STAR NE


platform only)

‘70 Prepaid Card Load

‘72’ Prepaid Card Activation

‘91’ Statement Processing (STAR NE


only)

Positions 3-4/5-6: ‘00’ Default (FND)

‘09’ Other (OTH)

‘10’ Savings (SAV)

‘20’ Checking (DDA)

‘30’ Credit (CRD)

Please see Chapter 7: Data Element 003: Processing Codes in this


manual for processing codes of specific transactions.

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004 Amount, Transaction


STAR Element Format NP-12

Definition Funds requested by the cardholder in the local currency of the


Acquirer Processor or source location of the transaction, exclusive
of all fees.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Required


0130, 020x, 0210,
022x, 0230, 042x,
0430x

Processing Rules ■ For a transaction performed in US dollars, this field represents


the amount that will be settled by STAR.

■ For a transaction performed in a currency other than US dollars,


this field represents the transaction amount in the acquirer’s
currency. (DE005 will carry the transaction amount in US
currency.)”

■ For prepaid card transactions:

◆ Activate transactions will contain an amount of $0.

◆ Load transactions will contain the amount (in local currency)


of the value to be loaded to the card.

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004 Amount, Transaction (cont.)


Processing Rules ■ For partial amount responses using new methodology -
(cont.) message types 0110 and 0210 (STAR SE/W Platforms only):

◆ If the request message contains DE 004, but not DE 005 or


DE 006, then issuers should change the amount in DE 004 in
the response message to reflect the partial approval amount.

◆ If the request message contains DE 005 and/or DE 006, the


issuer should return DE 004 with the same amount that is
carried in the 0100 or 0200 request message.

◆ If a STAR (U.S. based) POS acquirer sends DE 063.7 to


indicate an ability to handle a partial amount approval, then
the partial approval amount will be returned in DE 004.

■ For the 0420 “1F” Reversal Advices that an issuer will receive
for transactions involving a MasterCard CCA fee, DE 004 will
reflect the adjusted local transaction amount. The DE 004
amount is for informational use only.

■ Partial reversals of a partial approval amount transaction are


not permitted. Acquirers may only send full reversals of partial
approvals.

■ Surcharges or rebates are not included as part of this amount.

■ The new methodology for partial authorization responses is not


supported on the STAR NE platform.

005 Amount, Settlement


STAR Element Format NP-12

Definition Funds to be transferred between the Acquirer Processor and


Card-Issuer Processor/Card-Issuer, generally exclusive of all fees,
equal to the Amount, Transaction (DE 004) in the currency of
settlement.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Conditional Required if transaction and settlement


0130, 020x, 0210, currencies are not the same.
022x, 0230, 042x,
0430

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005 Amount, Settlement (cont.)


Processing Rules ■ For a transaction performed in a currency other than US
dollars”, this field represents the amount that will be settled by
STAR

■ Internationally-acquired transactions for the MasterCard


networks (Cirrus, Maestro, debit MasterCard) will have the
Currency Conversion Assessment (CCA) fee bundled into the
transaction amount. This fee is optionally available separately
in STAR Data Elements 055 and 056.

■ For prepaid card transactions:

◆ Activate transactions will contain an amount of $0.

◆ Load transactions, will contain the amount (in settlement


currency) of the value to be loaded to the card.

◆ PIN change transactions, will contain an amount of $0.

■ For partial amount responses using new methodology -


messages types 0110 and 0210 (STAR SE/W Platforms only):

◆ If the request message contains DE 004 and DE 005 (but not


DE 006), then the issuer should change the amount in DE 005
in the response message to reflect the partial approval
amount.

◆ If the request message contains DE 006, the issuer should


return DE 005 with the same amount that it carried in the
0100 or 0200 request message.

■ For the 0420 “1F” Reversal Advices that an issuer will receive
for transactions involving MasterCard CCA fees, DE 005 will
reflect the same value the issuer returned in the response
message. DE 005 is for informational use only. Issuer Note:
The posting of this transaction should be done from the
replacement amount in DE 095.

■ The new methodology for partial authorization respnoses is not


supported on the STAR NE Platform.

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006 Amount, Cardholder Billing


STAR Element Format NP-12

Definition Amount billed to the cardholder in the currency of the cardholder


account, generally exclusive of all fees.
Message Type Disposition Condition

Issuer

■ 010x, 012x, 020x, Conditional Optionally available to issuers on the STAR


022x, 042x SE/W platform for transactions that include
a MasterCard Currency Conversion
Assessment fee.

■ 0110, 0210 Conditional Should be returned if received.

■ 0130, 0230, 0430 Optional

Acquirer

■ 0110, 0210, 0130, Conditional May be received for transactions for non-US
0230, 0430 cardholders.

■ 022x, 042x Optional May be sent if received in the 0210


response.

Processing Rules ■ STAR software does not perform currency conversion.

■ DE 006 is generally suppressed (not sent) on requests if it is


equal to the amount in DE 005 (Amount, Settlement).

■ For prepaid transactions:

◆ Activate transactions, will contain an amount of $0.

◆ Load transactions, will contain the amount (in the


cardholder's currency) of the value to be loaded to the card.

■ For partial amount responses using new methodology


(messages types 0110 and 0210):

◆ If the request message contains DE 004, DE 005, and DE


006, then issuer should change the amount in DE 006 in the
response message to reflect the partial approval amount.

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006 Amount, Cardholder Billing (cont.)


Processing Rules ■ Internationally-acquired transactions for the MasterCard
(cont.) networks (Cirrus, Maestro, debit MasterCard) will have the
MasterCard Currency Conversion Assessment (CCA) fee
bundled into the Cardholder Billing amount as a default option
(thus making DE 006 equal to DE 005). The associated
conversion rate in DE 010 is adjusted accordingly.

◆ STAR SE/W Issuer processors have the option to request that


DE 006 be sent without the bundled CCA fee (in which case
DE 010 will also properly reflect the associated conversion
rate).

◆ The CCA fee is also optionally available separately in STAR


Data Elements 055 and 056.

■ STAR Network issuers on the SE/W Platform have the option of


receiving DE 006 for MasterCard acquired transactions that
contain CCA. If this option is chosen, DE 006 will reflect the
transaction amount without the CCA amount. Note: DE 006 is
not passed if its value equals the value in DE 005.

◆ For partial amount responses in 0210 message types:

• If the request message contains DE 004, DE 005, and DE


006, then issuers should change the amount in DE 006 in
the response message to reflect the partial approval
amount. For transactions involving MasterCard CCA, the
revised amount in DE 006 in the response, as in the
request, will not include any CCA amount. Issuers must
take this into consideration with determining the amount.

◆ For the 0420 “1F” Reversal Advice that an issuer will receive
for transactions involving MasterCard CCA fees, DE 006 will
reflect the same value the issuer returned in the response
message. Issuer Note: The posting of this transaction should
be done from either the replacement settlement amount in
DE 095 or the equivalent amount obtained by summing DE
006 and the replacement CCA fee in DE 056.

Platform Distinction This data element is not available on the STAR NE platform.

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007 Transmission Date & Time


STAR Element Format NP-10

Definition Date and time the message entered into the data interchange
system. To be expressed in Greenwich Mean Time (GMT).
Updated by each processor end point.

Processing Rules Must be valid 4-position date followed by 6-position time


(MMDDhhmmss).

009 Conversion Rate, Settlement


STAR Element Format NP-8

Definition The factor used by the network that performs the currency
conversion in the conversion from the transaction amount to
settlement amount. The Amount, Transaction (DE 004) is
multiplied by DE 009 to determine Amount, Settlement (DE 005).

Format aBBBBBBB, where:

■ a is the decimal position from the right

■ B is the actual conversion factor


Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Conditional Required if terminal is located outside of the


022x, 042x U.S. (i.e., value is other than '840').

Issuer

■ 010x, 012x, 020x, Conditional Will be sent to U.S. Issuers when value is
022x, 042x other than '840'.

■ 0110, 0210 Conditional Should be returned if received.

■ 420 Conditional Will be sent in acquirer-generated reversals


if received from acquirer. Will be send in
switch-generated reversals if received in the
response from the issuer.

Processing Rules None.

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010 Conversion Rate, Cardholder Billing


STAR Element Format NP-8

Definition The factor used by the network that performs the currency
conversion in the conversion from the Amount, Transaction
(DE 004) to Amount, Cardholder Billing (DE 006). DE 004 is
multiplied by DE 010 to determine Amount, Cardholder Billing
(DE 006).

Note: STAR software does not perform currency conversion.

Format aBBBBBBB, where:

■ a is the decimal position from the right

■ B is the actual conversion factor


Message Type Disposition Condition

Issuer

■ 010x, 012x, 020x, Conditional Optionally available to issuers on the STAR


022x, 042x SE/W platform for transactions that include
a MasterCard Currency Conversion
Assessment fee.

■ 0110, 0210 Conditional Should be returned if received.

■ 0130, 0230, 0430 Optional

Acquirer

■ 0110, 0210, 0130, Conditional May be received for transactions for non-US
0230, 0430 cardholders.

■ 022x, 042x Optional May be sent if received in the 0210


response.

Processing Rules DE 010 is passed in requests when DE 006 (Amount, Cardholder


Billing) is present. Otherwise it is generally not passed.

Platform Distinction On the STAR NE Platform, this field is not provided in the online
message.

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011 System Trace Audit Number


STAR Element Format NP-6

Definition A number assigned by the message initiator to uniquely identify a


transaction. The trace number remains unchanged for all
messages throughout the Life of the Transaction.
Message Type Disposition Condition

Acquirer

■ 0100, 0200, 0220, All must have the Must remain unchanged throughout the Life
0420 same trace of the Transaction.
number.

Processing Rules The System Trace Audit Number is assigned by the STAR
processor and must be unique for every request, original
submission and resubmission sent to the STAR Switch.

012 Time, Local Transaction


STAR Element Format NP-6

Definition The local time at which the transaction takes place at the point of
card/check acceptor location.
Message Type Format Disposition Condition

Acquirer

■ 010x, 0110, 012x, Valid Time Required


0130, 020x, 0210, (hhmmss)
022x, 0230, 042x,
0430

Processing Rules ■ Must remain unchanged throughout the Life of the Transaction.

■ Non-STAR acquirers may not echo the local transaction time


throughout the Life of the Transaction.

■ Returns, refunds, and similar transactions are considered new


transactions. They are not considered part of the original
purchase, bill payment, or similar transactions. This data
element should reflect the local time that the return, refund, or
similar transaction is being initiated.

Platform Distinction On the STAR NE Platform, 022x may have zeros for time.

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013 Date, Local Transaction


STAR Element Format NP-4

Definition The local month and day on which the transaction takes place at
the card/check acceptor location.
Message Type Format Disposition Condition

Acquirer

■ 010x, 0110, 012x, Valid Date Required


0130, 020x, 0210, (MMDD)
022x, 0230, 042x,
0430

Processing Rules ■ On Merchant original or resubmission transactions, this date is


the date used to compare if the resubmission is in the 12-day
compliance window.

■ Must remain unchanged throughout the Life of the Transaction.

■ Non-STAR acquirers may not echo the local transaction time


through out the Life of the Transaction.

■ Returns, refunds, and similar transactions are considered new


transactions. They are not considered part of the original
purchase, bill payment, or similar transactions. This data
element should reflect the local date that the return, refund, or
similar transaction is being initiated.

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014 Expiration Date


STAR Element Format NP-4

Definition The year and month after which the card expires.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 012x, 020x, Optional May be sent if PAN is manually entered and
022x, 042x the data is readily available (embossed on
card face).

■ 0110, 0210 Optional May be sent if the Card-Issuer Processor


wants to receive this element in the reversal
for late or unsolicited response.

■ 302 Optional In a 0302 message, this is the record delete


date placed on the negative file.

Processing Rules Valid Date (YYMM).

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015 Settlement Date


STAR Element Format NP-4

Definition The month and day funds will be transferred between Acquirer
Processor and Card-Issuer Processor/Card-Issuer or any
intermediate network facility.

■ STAR CHEK Direct: This is the settlement date of the message


initiator.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Required On inbound requests:


0130, 020x, 0210,
022x, 0230, 042x, ■ This element may contain the Acquirer
0430 Processor's settlement date.
On inbound responses:

■ This element may contain the Card-Issuer


Processor's settlement date.
On outbound requests/responses:

■ This date is the STAR business date.

Processing Rules Valid Date (MMDD).

016 Date, Conversion


STAR Element Format NP-4

Definition The month and day the conversion rate is effective to convert the
Amount, Transaction (DE 004) and, if present Amount,
Transaction Fee (DE 028) to settlement currencies.
Message Type Disposition Condition

Issuer

■ 010x, 012x, 020x, Conditional May be present for non-US-acquired


022x, 042x transactions if the transaction and
settlement currencies are not the same.

■ 0110, 0210 Conditional Should be returned if received.

■ 0130, 0230, 0430 Optional

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016 Date, Conversion (cont.)


Acquirer

■ 0110, 0210, 0130, Conditional May be received for transactions for non-US
0230, 0430 cardholders.

Processing Rules ■ Valid date (MMDD).

■ Required if a conversion rate is present.

■ STAR software does not perform currency conversion.

Platform Distinction

017 Date, Capture


STAR Element Format NP-4

Definition The month and day the transaction is processed by the Acquirer
Processor. This is the Acquirer Processor's calendar day.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 012x, 020x, Optional


022x, 042x

Processing Rules If the difference between the current STAR Switch date and
current local date exceeds 12 calendar days, the STAR Switch will
reject the transaction with response code ‘80’ (stale dated
transaction).

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018 Merchant Type


STAR Element Format NP-4

Definition The classification of the merchant’s type of business product or


service.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Required


042x

■ 0110, 0210 Optional May not be present in response.

■ 022x Conditional ■ Required on POS transactions

■ STAR CHEK® Direct: Always required.

Issuer

■ 010x, 012x, 020x, Conditional May not be present.


042x

■ 0110, 0210 Optional Required if Card-Issuer Processor wants to


receive this element in reversals generated
by the STAR Network for late responses.

Processing Rules ■ If an Acquirer Processor blank-fills this field, the STAR Switch
will fill this field with zeros.

■ See Chapter 8: Data Element 018: Merchant Type

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019 Acquiring Institution Country Code


STAR Element Format NP-3

Definition The code of the country where the acquiring institution is located
(see ISO 3166).
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Conditional Required if terminal owner operates


022x, 042x terminals in multiple countries.

Issuer

■ 010x, 012x, 020x, Conditional Will be passed if available.


022x, 042x

■ 110, 0210 Conditional Required if Card-Issuer Processor wants to


receive this element in a reversal for late or
unsolicited response.

Processing Rules None

022 Point-Of-Service Entry Mode


STAR Element Format NP-3

Definition First two positions indicate the method by which the Primary
Cardholder Account Number was entered into the system. The
third position indicates PIN entry capabilities.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x Conditional Required if the transaction was entered at


one of the following:

■ A point-of-service (POS) device.

■ An ATM acquirer dispensing alternate


media.

■ An ATM acquirer participating in a CVV


program.

■ A chip-related ATM transaction.

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022 Point-Of-Service Entry Mode (cont.)


■ 022x Required

■ 042x Conditional ■ Required if included in the original


request.

■ Recommended, even if not included in the


original request.

Issuer

■ 010x, 012x Required Will be passed.

■ 020x Conditional Will be passed if available.

■ 0110, 0210 Required if the Card-Issuer Processor wants


to receive this element in a reversal for late
or unsolicited response.

■ 022x Conditional For stand-in advices, will be passed if


available.

Required For pre-authorized completions:

■ STAR NE Platform: Value will reflect that


sent by Acquirer.

■ STAR SE-W Platform: Positions one and


two will be sent with a value of ‘00’,
indicating ‘unspecified’ mode of entry.

■ 042x Conditional ■ May be present for switch-generated


reversal advices due to edit errors found
in the issuer’s response message.

■ STAR NE Platform: Will be passed if


available. Value will reflect that sent by
Acquirer.

■ STAR SE-W Platform: For pre-authorized


completions: Positions one and two will be
sent with a value of ‘00’, indicating
‘unspecified’ mode of entry

Values Position 1-2 ‘00’ Unspecified

‘01’ Manual

‘02’ Magnetic Stripe

‘03’ Bar Code

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022 Point-Of-Service Entry Mode (cont.)


‘04’ OCR

‘05’ Integrated Circuit Card

‘06’ Manual (key-entered

‘07’ ■ Contactless chip transaction


originated using chip data rules
as defined by EMV* (available
in Europe).

■ STAR NE Platform only: An


Issuer option must be turned
on so that the Issuer can
receive these values. If not,
Issuer receives a ‘02’ (magnetic
stripe).

‘08’-’60’ Reserved for ISO use

‘61’-’78’ Reserved for national use

‘79’ Chip card or chip-capable


terminal was unable to process
the transaction using the data on
the chip or magnetic stripe, the
PAN was entered manually, or
the Acquirer is not certified to
process the value ‘80’.

‘80’ Chip card or chip-capable


terminal was unable to process
the transaction using the data on
the chip; the PAN was entered via
magnetic stripe. The full track
data was read from the data
encoded on the card and
transmitted within the
authorization request on Track 2
Data (DE 035) or Track 1 Data
(DE 045) without alteration or
truncation.

‘81’ PAN manual entry via Electronic


commerce

‘82’-’89’ Reserved for private use

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022 Point-Of-Service Entry Mode (cont.)


‘90’ Full Magnetic Stripe (optionally
supported—must be coordinated
with STAR processing)

‘91’ ■ Contactless chip transaction


originated using magnetic
stripe data rules.

■ STAR NE Platform only: An


Issuer option must be turned
on so that the Issuer can
receive these values. If not, the
Issuer receives a ‘02’ (magnetic
stripe).

‘92’-’94’ Reserved for private use

‘95’ Integrated circuit card, CVV data


may be unreliable

‘96’-’99’ Reserved for private use

Position 3 ‘0’ Unspecified

‘1’ PIN entry capability

‘2’ No PIN entry capability

‘6’ PIN pad inoperative

‘8’ Terminal has PIN entry capability


but PIN pad is out of service

‘9’ PIN verified by terminal device

Processing Rules ■ For pre-authorized completions and reversals being sent by


acquirers, positions one and two for DE022 may be sent with a
value of ‘00’ indicating an ‘unspecified’ mode of entry.

■ For stand-in advices sent to Issuers, DE022 value will reflect


that sent by the acquirer.

■ For additional information on how DE022 may be populated for


transactions involving other networks, see the STAR ISO 8583
Gateway/Product Interface Guide.

■ If Issuer supports receiving extended POS Entry Mode values,


DE 022 will be populated with a value of ‘07’ or ‘91’ as received
from Visa.

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022 Point-Of-Service Entry Mode (cont.)


Platform Distinction ■ For reversals and pre-authorized completion transactions that
do not contain track data fields, the STAR SE-W platform
populates the PAN entry mode with ‘00’ and the STAR NE
platform populates it in the manner in which it was populated
by the acquirer.

■ The STAR SE/W Switch will not perform Stand-in, nor can a
merchant/POS processor perform Stand-in, if:

◆ Positions 1 and 2 contain ‘01’; and/or

◆ Position 3 contains a value of ‘2’ or ‘6’.

023 Card Sequence Number


STAR Element Format NP-3

Definition Also known as Member number or plastic card number.

A number distinguishing between separate cards with the same


Primary Account Number or Primary Account Number Extended.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 012x, 020x, Optional If available and Track 2 is not present.


022x

■ 0110, 0210 Optional Required if Card-Issuer Processor wants to


receive this element in a reversal for late or
unsolicited.

■ 0302 Conditional Required if a Card-Issuer Processor elects to


have the STAR Switch validate the card
sequence number during Store & Forward
processing.

■ 0312, 0332 Conditional Required if present in the 0302 and 0322


messages.

■ 042x Optional If available in response.

Processing Rules If the Issuer accepts Visa Card Sequence Number, then DE 023
will be populated with Visa Card Sequence Number ID.

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025 Point-Of-Service Condition Code


STAR Element Format NP-2

Definition The conditions under which the transaction takes place at the
point of sale (POS).

Note: For STAR-acquired transactions, information in DE 058 is


deemed more reliable. This field is most often used to convey
information from other networks (e.g., Visa).
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 012x, 020x, Optional


022x

■ 0110, 0210 Optional

■ 042x Optional

Values ‘00’ Normal presentment

‘01’ Customer not present

‘02’ Unattended terminal able to retain card

‘03’ Merchant suspicious

‘04’ Electronic cash register

‘05’ Customer present, card not present

Note: May be present in AVS-only requests and CVV2-only


requests/advices.

‘06’ Pre-authorized request

‘07’ Telephone device request

‘08’ Mail and/or telephone

‘09’ Security alert

‘10’ Customer identity verified

‘11’ Suspected fraud

‘12’ Security reasons

‘15’ Customer Terminal (home terminal)

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025 Point-Of-Service Condition Code (cont.)


‘16’ Administration terminal

‘27’ Unattended terminal unable to retain card

‘40’ Customer not present, standing order/recurring payment

‘52’ CVC/CVC2, CVV/CVV2 verified and valid

‘53’ CVC/CVC2, CVV/CVV2 verified and invalid

‘54’ Electronic commerce transaction – Nonsecure/Security


unknown

‘55’ Electronic transaction – Secure, with cardholder certificate

‘56’ Electronic transaction – Secure, without cardholder


certificate

‘57’ Electronic commerce transaction – Channel-encrypted

‘58’ Electronic commerce transaction – Nonsecure/Security


unknown

‘59’ Deferred billing

Platform Distinction Available on the STAR SE/W Platforms only.

026 Point-Of-Service PIN Capture Code


STAR Element Format NP-2

Definition Maximum number of PIN characters accepted by the point of sale


(POS) device.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 020x Optional ■ STAR Acquirer Processors must accept


4-12 digit PINs.

■ Available on the STAR SE/W Platform


only.

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028 Amount, Transaction Fee


STAR Element Format X + N-8

Definition Convenience fee charged by the Acquirer Processor for a


transaction in the currency of Amount, Transaction (DE 004).
Message Type Disposition Condition

Acquirer/Issuer

■ 020x, 022x, 042x Conditional ■ Required for Acquirer Processors


collecting a transaction convenience fee.
In pre-authorization transactions,
Amount, Transaction (DE 004) will contain
the pre-authorization amount plus the
surcharge or rebate amount.

■ The sum of Amount, Transaction (DE 004)


and Amount, Transaction Fee (DE 028) in
a 022x cannot exceed:

◆ DE 004 from 01xx


OR

◆ DE 054 in the 01xx

■ 010x, 012x, 013x Optional If the surcharge for pre-authorizations is


included in DE 004, then DE 028 can not be
sent.

■ 0130, 0210, 0230, Conditional Must be the same value in response as in


0430 request.

■ 0110 Optional If the surcharge for pre-authorizations is


included in DE 004, then DE 028 can not be
sent.

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028 Amount, Transaction Fee (cont.)


Processing Rules ■ STAR processing does not calculate online fees.

■ Acquirer Processors implementing a convenience fee must set


the sign indicator to a ‘D’. Acquirer Processors implementing a
rebate must set the sign indicator to a ‘C’. These values will be
unaltered and passed through to the Card-Issuer Processor.

■ For reversals of transactions that contained a fee, the sign


indicator must be changed to a “C”.

■ For reversals associated with mis-dispenses (over-dispense or


partial amount dispense), the sign indicator in DE 028 must
likewise be changed to a “C”. However, issuer processors
should rely upon the replacement amounts and sign indicators
in DE 095 to ascertain the actual amount dispensed and amount
of the fee to be charged.

■ X must be ‘C’ (Credit to the cardholder) or ‘D’ (Debit to the


cardholder).

029 Amount, Settlement Fee


STAR Element Format X + N-8

Definition Convenience fee charged by the Acquirer Processor for a


transaction equal to the Amount, Transaction Fee (DE 028) in the
currency of Amount, Settlement (DE 005).
Message Type Disposition Condition

Acquirer/Issuer

■ 0130, 020x, 0210, Conditional Required if Amount, Transaction Fee


022x, 0230, 042x, (DE 028) is present and the currency of
0430 Amount, Transaction (DE 004) and Amount,
Settlement (DE 005) are not the same.

■ 010x, 0110, 012x Optional Must be the same value in response as in


request.

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029 Amount, Settlement Fee (cont.)


Processing Rules ■ Required if Amount, Transaction Fee (DE 028) and Amount,
Settlement (DE 005) are present.

■ X (sign indicator): must be ‘C’ (Credit to the cardholder) or ‘D’


(Debit to the cardholder).

■ Acquirer Processors implementing a convenience fee must set


this indicator to a ‘D’. Acquirer Processors implementing a
rebate must set this indicator to a ‘C’. These values will be
unaltered and passed through to the Card-Issuer Processor.

■ The sign indicator must be reversed to indicate a reversal of a


fee.

■ When STAR cardholders are performing transactions in a


non-US currency, and a surcharge is being assessed, the
surcharge amount in DE 028 will be in the acquirer's currency,
and in DE 029 in US currency. Therefore, when both DE 028
and DE 029 are present in the request message, the issuer
processor must use the amount from DE 029 for posting the fee
to the cardholder's account.

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032 Acquirer Institution Identification code (Acquirer ABA)


STAR Element Format LLV NP-11

Definition Code identifying the acquiring institution (e.g., merchant bank) or


its agent.

STAR ATM and POS define this element as the acquiring


institution's FRDABA (Routing and Transit Number).
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Required All STAR ATM and POS Acquirer Processors
020x, 0210, 022x, must format the FRDABA as 1NNNNNNNNC,
042x where NNNNNNNN is the FRDABA and C is a
check digit.

Processing Rules ■ If the element begins with a ‘1’, must be an FRDABA with a
valid check digit. The check digit will be calculated using a
weighting factor of 37137137.

■ Numeric with trailing blanks.

■ For transactions acquired by networks behind the STAR


Network, the content of this field may not follow the STAR
standard layout.

■ For MasterCard Signature Debit completions, this element is


formatted 9MMMMMM, where M is the MasterCard ICA.

■ See the STAR ISO 8583 Gateway/Product Interface Guide for


additional information.

Platform Distinction ■ For STARsf acquired transactions on the SE-W platform, this will
be a pseudo ABA assigned by the network. As a result,
acquirers will be returned an acquirer network ID of ‘SSF’ in
DE063 of the 0210 response to STARsf ATM withdrawal
transactions. Issuers will be sent an acquirer network ID of
‘SSF’ in DE063 of the 0200 withdrawal message.

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033 Sponsor ID
STAR Element Format LLV N-11

Definition An 11 digit numeric field containing an ID, which is assigned by


the STAR network to uniquely identify the STAR financial
institution that sponsors an Acquirer terminal.
Message Type Disposition Condition

ATM Acquirer

■ 0200, 0420 Conditional Required if terminal is sponsored by a STAR


financial institution.

■ 0210 Conditional Will be present in replies to echo the field


when sent by an Acquirer.

POS Acquirer

■ 0100, 0200, 0220, Optional Optional if terminal is sponsored by a STAR


0420 financial institution.

■ 0110, 0210 Conditional Will be present in replies to echo the field


when sent by an Acquirer.

Processing Rules ■ Must be a numeric value. All zeros is an acceptable value for
transactions that are not sponsored.

■ This data element is not passed to Issuers.

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035 Track 2 Data


STAR Element Format LLV NSP-37

Definition The information encoded on Track 2 of the magnetic stripe,


excluding beginning and end sentinels and LRC characters.

See the STAR Interface Guide for additional information on


Track 2.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x Conditional Required if card track data is electronically


captured.

■ 0110, 0210 Conditional Will be returned in response if in request.

■ 022x, 042x N/A DE035 must not be passed.

Issuer

■ 010x, 012x, 020x Conditional Will be sent if available.

■ 0110, 0210 Conditional Must be returned in response if received in


request.

■ 022x Conditional For stand-in advices, will be passed if


available. Not passed in pre-authorized
completions.

■ 042x Conditional ■ May be sent for switch-generated reversal


advices which are due to edit errors found
in the issuer’s response message.

■ Will not be sent for acquirer-generated


reversals.

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035 Track 2 Data (cont.)


Processing Rules ■ Valid ISO Track 2 must be present from the STAR Acquirer if
POS Entry Mode (DE022) indicates a magnetic stripe read was
done.

■ An “=” is always the representation of the Track 2 field


separator when the following conditions are met:

◆ An “=” was received from the Acquirer Processor; and

◆ The Acquirer Processor is utilizing the ISO format; and

◆ The Card-Issuer Processor's packing option is not set

■ Acquirers sending DE035 must send the full contents of the


track and:

◆ Discretionary data should not be truncated.

◆ Data element should not be space or zero-filled.

◆ Field length should not be set to zero.

■ STAR Acquirers are not permitted to send Track 2 (DE 035) in


pre-authorized completions and reversal transactions:

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037 Retrieval Reference Number (Terminal Sequence #)


STAR Element Format AN-12

Definition A document reference supplied by the system retaining the


original source document and used to assist in locating that
document or a copy.

The recommended format for this data element is shown below.


Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Required ■ Although this field should remain


0130, 020x, 0210, unchanged throughout the Life of the
022x, 0230, 042x, Transaction, it cannot be guaranteed. It
0430 may vary between an original transaction,
submission and resubmission.

■ All STAR Acquirer Processors must


support only numerics in this field.

Format Position 1-4 ■ Julian date (YDDD):

■ This date is made up of the least


significant digit of the year, followed by
the 3-digit day of the year.

■ For example: January 15, 2006 = 6015

Position 5-12 ■ Actual terminal sequence number.

■ The terminal sequence number must be


incremented for each request. A value of
all zeros is not a valid terminal sequence
number for STAR ATM or POS Acquirer
Processors.

Processing Rules ■ STAR Acquirers are required to send the same value in DE 037
in both filled purchase pre-authorization requests and the
associated pre-authorized completions.

■ STAR ATM and POS Card-Issuer Processors may receive alpha


numeric characters in this field from link or reciprocal acquirers
such as Plus and Cirrus.

Platform Distinction Currently, STAR NE Acquirers may send DE 037 in the


recommended format. However, STAR NE Issuers will receive
DE 037 formatted as four zeros followed by the 8-digit terminal
sequence number.

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038 Authorization Identification Response


STAR Element Format AN-6

Definition Response identification assigned by the issuing institution.


Message Type Disposition Condition

Acquirer

■ 0120, 0220, 0420 Conditional Should be sent by acquirer if available.

■ 0110, 0210 Conditional STAR SE/W Platforms: Will be sent to


acquirer if available.

Issuer

■ 0110 Conditional Required from Card-Issuer Processor in


signature debit authorization responses for
approved transactions.

■ 0110, 0210 Optional Optional from Card-Issuer Processor in


PIN-based responses for approved
transactions.

■ 012x, 022x, 042x Conditional Will be sent to Issuer if available.

Processing Rules ■ Required in responses to signature debit authorization


requests; optional in responses to pinned-based transactions.

■ Issuers should not use an 'N' or an 'S' in the first position of this
field as these designations are used when STAR processing (vs.
the Card-Issuer processor) populates DE 038. Doing so could
cause confusion to the Acquirer Processor as to whether the
Switch or the Card-Issuer Processor denied the transaction.

Platform Distinction ■ DE 038 is not currently available in responses to acquirer


processors on the STAR NE platform.

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039 Response Code


STAR Element Format AN-2

Definition A code that defines the disposition of a message.


Message Type Disposition Condition

Acquirer/Issuer

■ 0110, 012x, 0130, Required


0210, 022x, 0230,
0302, 0312, 0322,
0430

■ 042x Required Must be value from original response.

Processing Rules ■ When Response Code is 30, Additional Response Data (DE 044)
will/must contain the data element number that is in error.

■ See Chapter 9: Data Element 039: Response Codes in this


manual for additional information.

■ The existing value of '10' - which indicates a partial approval


amount - will now be valid for use in message type 0210
(financial transaction response), provided the transactions does
not involve “cash back”.

■ Values of ‘00’, or ‘10’ will be allowed from acquirers for 0420


reversal messages when the original amount was partially
authorized. Regardless of the response code value sent by the
acquirer, response code “00” will be passed to issuers for all
reversals of partial approval amount transactions.

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041 Card Acceptor/Merchant Terminal Identification


STAR Element Format AN-8

Definition Unique value identifying a terminal at the card acceptor/merchant


location.
Message Type Disposition Condition

Acquirer

■ 010x, 0110, 012x, Required


020x, 0210, 022x,
042x

Processing Rules None

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042 Card Acceptor/Merchant Identification Code


STAR Element Format AN-15

Definition Code identifying the card acceptor/merchant, which defines the


point of the transaction in both local and interchange
environments.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Conditional STAR point of sale and bill payment Acquirer
022x, 042x Processors must supply a unique value for
each merchant or merchant location.

■ 0110, 0120 Conditional ■ STAR NE Platform: Returned to acquirers.

■ STAR SE/W Platforms: Not returned to


acquirers.

Issuer

■ 010x, 012x, 020x, Conditional ■ STAR NE Platform: Will be sent to issuers


022x, 042x if available.

■ STAR SE/W Platform: By default will not


be sent to issuers for most transaction
types. By special request, can be
configured to be sent if available.

■ 0110, 0210 Optional Required if Card-Issuer Processor wants to


receive this element in reversals generated
by STAR for late responses.

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042 Card Acceptor/Merchant Identification Code (cont.)


Processing Rules ■ For message types 010x, 012x, 020x, 022x and 042x, if
Positions 1 and 2 of Processing Code (DE 003) contain ‘00’, ‘20’,
‘50’ or ‘56’, then DE 042 must be present except for ATM
alternate media transactions.

■ If an Issuer receives invalid data element content in this (or any


other) field on a request message, then the Issuer should deny
the transaction in the 0110/0210 response message using
Response Code 30 (format error). Issuers receiving invalid data
element content in a reversal or advice message must still
acknowledge the message with a 0230/0430 with a Response
Code 00 (approved).

■ Issuers that participate in other networks via STAR software


may receive special characters in DE 042. See the STAR ISO
8583 Gateway/Product Interface Guide for additional
information.

043 Card Acceptor Location


STAR Element Format AN-40

Definition The location of the card acceptor/merchant, which defines the


point of sale in both a local and interchange environment.

Card acceptor/merchant name and location must be subdivided


as follows:

■ 1-23 Address

■ 24-36 City

■ 37-38 State (alpha representation).

■ 39-40 Country (must use 2-character alpha representation).


See Chapter 16: Country/Currency/State Codes.

For Money Transfer OCTs:

■ 1-25 Sender’s Name

■ 26-38 “VISA TRANSFER”

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043 Card Acceptor Location (cont.)


Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Required


022x

■ 042x Conditional Must be returned by an acquirer if the


Issuer supplied it in the 0110 or 0210
message.

Issuer

■ 010x, 012x, 020x, Required


022x

■ 0110, 0210 Optional Required if Card-Issuer Processor wants to


receive this element in a reversal.

■ 042x Conditional ■ For reversals for late responses, STAR


processing will send if the Issuer returned
in the 0110/0210.

■ For acquirer-generated reversals, STAR


processing will send if Acquirer supplies it.

Processing Rules ■ Transactions acquired at networks behind STAR Networks may


be passed to Issuers without certain subfields, such as State or
Country. Therefore, Issuers should not edit for the presence of
all subfields.

■ If their cardholders use terminals located on US Military bases


in foreign countries, Issuers may (or may not) receive a value
of ‘XX’ in the State code subfield and a value of ‘US’ in the
Country Code subfield (as several networks require this).

■ Acquirers of transactions for terminals located on US Military


bases in foreign countries must populate the State subfield with
‘XX’, and must also populate the Country subfield with ‘US’. This
will enable STAR Networks to comply with other networks'
requirements.

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044 Additional Response Data


STAR Element Format LLV AN-25

Definition Field used to provide additional information in response


messages. Specifically, DE 044 is used:

■ for format edit responses.

■ for providing additional information in responses.

■ for responses to negative file status inquiries (STAR SE/W


only).
Message Type Disposition Condition

For format edit error responses:

Acquirer

■ 0110, 0130, 0210, Conditional May be used by STAR processing to provide


0230, 0430 information about the nature of edit errors
in conjunction with Response Code (DE 039)
of ‘30’. Positions 1-3 will include either:

■ The data element field number in error


OR

■ ‘236’ = Invalid pseudo-terminal

◆ STAR NE Platform: Invalid DE 063


pseudo-terminal data.

◆ STAR SE/W Platform: Invalid


combination of DE 032 and DE 058
terminal type; else unacceptable
Acquirer Network ID received in DE 063.

■ 0430 Conditional A value of ‘201’ may be used by STAR


Networks to indicate that the reversal could
not be matched to an original transaction.

Issuer

■ 0110, 0210 Conditional May be used by Issuers to provide


information about the nature of edit errors
in conjunction with Response Code (DE 039)
of ‘30’. Positions 1-3 should include the data
element field number which is in error.

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044 Additional Response Data (cont.)


For providing additional information in responses:

Acquirer/Issuer

■ 0110, 0210 Conditional May be used to provide additional


information in this format:

■ 1-10 phone

■ 11-25 additional response data

For responses to negative file status inquiries (SE/W Platforms only):

Issuer

■ 0312 Conditional In response to the Card-Issuer Processor’s


0302 inquiry, STAR will return the status
code for the PAN in the negative file.

Processing Rules See the STAR ISO 8583 Gateway/Product Interface Guide for
information on how DE 044 is used in response messages for the
STAR CHEK® Direct.

Platform Distinction DE 044 is not used with negative file status inquiries on the STAR
NE platform.

045 Track 1 Data


STAR Element Format LLV ANS-76

Definition The information encoded on Track 1 of the magnetic stripe as


defined in ISO 7813, including field separators but excluding
beginning and ending sentinels and LRC characters as defined
therein.
Message Type Disposition Condition

Issuer

■ 010x, 012x, 020x, Conditional May be received in transactions acquired


from links and gateways.

■ 0110, 0210 Conditional Must be returned in the response if received


in the request.

■ 022x Conditional For stand-in advices, passed if available.


Not passed in pre-authorized completions.

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045 Track 1 Data (cont.)


■ 042x Conditional ■ May be sent for switch-generated reversal
advices resulting from edit errors found in
the issuer’s response message.

■ Will not be sent for acquirer-generated


reversals.

Processing Rules STAR Acquirers should not send in DE 045.

047 Additional Data, National


STAR Element Format LLLVAR ANS…100

Definition A multi-purpose data element that can be put to various uses in


transferring data.
Message Type Disposition Condition

Acquirer/Issuer

■ 0100, 0110, 0200, Conditional Presence in messages depends on usage.


0210, 0220, 0420

Format Format varies depending on usage.

Processing Rules ■ See the STAR ISO 8583 Gateway/Product Interface Guide for
additional information.

■ Visa Usage - Only supported on the STAR SE/W Platform.

■ MasterCard Usage - Supported on STAR NE/SE/W Platform.

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048 Member Institution/Merchant Name


STAR Element Format LLLV ANS-025

Definition Name of the Member financial institution that owns the ATM, or
name of the Merchant where the POS terminal is located or the
ATM sponsoring institution.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Required


022x

■ 0110, 0210 Conditional ■ STAR NE Platform: Will not be returned to


acquirers.

■ STAR SE/W Platform: By default will not


be returned to acquirers. By special
request, can be configured to be returned.

■ 0420 Conditional Send if available.

Issuer

■ 010x, 012x, 020x, Conditional Sent to Card-Issuer Processors if available


022x (as non-STAR networks may not send)

■ 0110, 0210 Conditional Required if Card-Issuer Processor wants to


receive this element in reversals generated
by STAR processing for late responses.

■ 0421 Conditional Will be sent, if available.

Processing Rules ISO Acquirer Processors should limit the use of special characters.

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049 Currency Code, Transaction


STAR Element Format NP-3

Definition Code defining the local currency of the acquirer. The currency
used in Amount, Transaction (DE 004) and Amount, Transaction
Fee (DE 028).
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Required


0130, 020x, 0210,
022x, 0230, 042x,
0430

Processing Rules See Chapter 16: Country/Currency/State Codes in this manual.

050 Currency Code, Settlement


STAR Element Format NP-3

Definition Code defining the currency of Amount, Settlement (DE 005) and
Amount, Settlement Fee (DE 029).
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Conditional Required if Amount, Settlement (DE 005) is


0130, 020x, 0210, included in message.
022x, 0230, 042x,
0430

Processing Rules ■ STAR software does not perform currency conversion.

■ This value will be ‘840’.

■ See Chapter 16: Country/Currency/State Codes in this manual.

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051 Currency Code, Cardholder Billing


STAR Element Format NP-3

Definition Code defining the currency of Amount, Cardholder Billing (DE


006).
Message Type Disposition Condition

Issuer

■ 010x, 012x, 020x, Conditional Optionally available to issuers on the STAR


022x, 042x SE/W platform for transactions that include
a MasterCard Currency Conversion
Assessment fee.

■ 0110, 0210 Conditional Should be returned if received.

■ 0130, 0230, 0430 Optional

Acquirer

■ 0110, 0210, 0130, Conditional May be received for transactions for non-US
0230, 0430 cardholders.

■ 022x, 042x Optional May be sent if received in the 0210


response.

Processing Rules ■ STAR software does not perform currency conversion.

■ See Chapter 16: Country/Currency/State Codes in this manual.

Platform Distinction Currently, STAR NE does not support this field.

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052 Personal Identification Number (PIN) Data


STAR Element Format Binary, 8 bytes, or 16 hex bytes if numeric packing option not set.

Definition A number assigned to a cardholder intended to uniquely identify


that cardholder at the point of service.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 020x Conditional ■ Required if device accepts PIN data.

■ Conditional for Signature Debit


Transactions.

■ All STAR ATM & POS Acquirer Processors


must transmit the PIN field unless:

◆ Request is generated from an


administrative terminal – see DE 058
positions 9 and 10
OR

◆ Request is a resubmission of a merchant


authorized transaction. (Optional: see
Chapter 2: Operational Considerations)
OR

◆ Request is for a Product that is defined


as PIN-less, such as STAR Bill Payment
or STAR Interbank Transfer Credit.

Processing Rules None

054 Additional Amounts


STAR Element Format LLLV ANS-120

Definition Information on up to six amounts and related account data for


which specific data elements have not been defined. Field
breakdown, occurring six times, is defined below.
Message Type Disposition Condition

Acquirer

■ 010x, 012x Optional

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054 Additional Amounts (cont.)


■ 010x, 020x, 022x, Conditional Required for STAR-acquired transactions
042x (using Amount Type ‘40’) when “cash back”
and/or negotiable items (quasi-cash or
scrip) are being processed.

■ 0110 Conditional ■ For 0110 pre-authorizations for which the


issuer approves an amount which is less
than the requested amount:

◆ STAR SE/W Platforms:

• If acquirer did not pass DE 063.7


(Processing Flags) in the 0100
request, then DE 054 will be included
in the 0110 pre-authorization
response message (with amount type
'58') to identify the amount
authorized by the issuer.

• If acquirer did pass DE 063.7


(Processing Flags) in the 0100
request, then DE 054 will be included
in the 0110 pre-authorization
response message (with amount type
'91') to identify the original request
amount. (DE 004 will carry the
approved amount.)

◆ STAR NE Platform:

◆ DE 054 will be included in the 0100


pre-authorization response message
(with amount type ‘58’) to identify the
amount authorized by the Issuer.

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054 Additional Amounts (cont.)


■ 0210 Conditional For 0210 responses for which the issuer
approves an amount which is less than the
requested amount:

■ STAR SE/W Platforms:

◆ DE 054 will be included in the 0210


response message (with amount type
'91') to identify the original request
amount. (DE004 will carry the approved
amount.)

■ STAR NE Platform:

◆ DE 054 will be included in the 0210


response message (with amount type
‘58’) to identify the amount authorized
by the Issuer.

■ 022x Conditional SE/W Platforms only: Required in


STAR-acquired pre-authorized completion
messages (using Amount Type ‘57’) to
identify the amount originally authorized by
the Issuer in the 0110 response.

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054 Additional Amounts (cont.)


■ 042x Conditional ■ For reversals of 0110 pre-authorizations
for a partial amount:

◆ STAR SE/W Platforms:

• If acquirer did not pass DE 063.7


(Processing Flags) in the 0100
request, then DE 054 must be sent
and include the amount type '58' with
the amount originally authorized by
the issuer.

• If acquirer did pass DE 063.7


(Processing Flags) in the 0100
request, then DE 054 should not be
sent for amount type '58'.

◆ STAR NE Platform:

• DE 054 must be sent and include


amoutn type ‘58’ with the amount
originally authorized by the Issuer.

■ For reversals of 0210 responses for a


partial amount:

◆ STAR SE/W Platforms:

• Acquirer need not send DE 054 (but


must reverse the entire amount that
had been approved in DE 004).

◆ STAR NE Platform:

• DE 054 must be sent and include


amount type ‘58’ with the amount
originally authorized by the Issuer.

■ For reversals of transactions which


contained DE 054 in the 0100/0200
requests - such as for amount type 40 for
cash back - then DE 054 must be sent
with those same amount fields.

Issuer

■ 010x, 012x Conditional May be received if acquirer sends.

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054 Additional Amounts (cont.)


■ 010x, 020x, 022x, Conditional For STAR-acquired transactions, will be
042x present (with Amount Type ‘40’) when “cash
back” and/or negotiable items (quasi-cash
or scrip) are being processed.

■ 022x Conditional SE/W Platforms only: May be present in


STAR-acquired pre-authorized completion
messages (with Amount Type ‘57’) to
identify the amount originally authorized by
the Issuer in the 0110 response.

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054 Additional Amounts (cont.)


■ 042x Conditional ■ For reversals of 0110 pre-authorizations
for a partial amount:

◆ STAR SE/W Platforms:

• If Issuer sends DE 054 in 0110 with


amount type '58' to convey amount to
be authorized, then DE054 will
present in the reversal with amount
type '58'.

• If Issuer does not send DE 054 in the


0110 with amount type '58' to convey
the amount to be authorized, then
DE054 will not be present in the
reversal with amount type '58'.

◆ STAR NE Platform

• DE 054 will be sent and include


amount type ‘58’ with the amount
originally authorized by the Issuer.

■ For reversals of 0210 responses for a


partial amount:

◆ STAR SE/W Platforms:

• Issuer will likely not receive DE 054


(as acquirers may only fully reversal
partial amount approvals).

◆ STAR NE Platform:

• DE 054 will be sent and include


amount type ‘58’ with the amount
originally authorized by the Issuer.

■ For reversals of transactions which


contained DE054 in the 0100/0200
requests - such as for amount type 40 for
cash back - then DE 054 will be sent with
those same amount fields.

■ 0110, 0210 Conditional Issuers may return account balances in


declined POS transactions. (Some acquiring
networks require this for declined prepaid
card transactions.)

Format Position 1-2 ■ Account Type (AN 2)

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054 Additional Amounts (cont.)


Position 3-4 ■ Amount Type (AN 2)

Position 5-7 ■ Currency Code (N3)

Position 8-20 ■ Sign and amount (X + N12) where:


X = sign indicator

◆ ‘C’ (for positive or zero balances or for


fees that are credits to the cardholder or
issuer).

◆ ‘D’ (for negative balances or for fees


that are debits the cardholder or issuer)
nnnnnnnnnnnn = amount

■ Right-justified, zero-filled

■ Assumes 2 decimal places for US dollar


amounts.

Processing Rules ■ Issuer Members shall not transmit through the STAR Network
any positive Available Balance or POS Balance that includes
amounts available through an overdraft protection program,
other than a line of credit that is subject to Regulation Z, in
response to an Authorization request for a Balance Inquiry or
for any other purpose.

■ For transactions acquired by networks other than STAR, Issuers


cannot rely upon receiving DE 054 with Amount Type ‘40’
conveying the amount of a negotiable item (i.e., quasi-cash or
scrip). Quasi-cash or scrip transactions, when received from
Visa/Interlink, will be passed to STAR Issuers with a processing
code of 11 xx 00. Quasi-cash or scrip transactions acquired by
other networks may need to be distinguished based upon other
data elements such as Merchant Type (DE 018).

■ The sign indicator for STAR cash back amounts should be set to
‘C’ (positive amount).

■ See Chapter 10: Data Element 054: Additional Amounts in this


manual for additional details.

■ For transaction response messages that are being approved for


a partial amount, the content of DE 054 for amount type ‘91’
(amount of original request) must use the currency code and
associated amount of the acquirer (i.e., DE 049 - currency
code, transaction and DE 004 - amount, transaction).

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054 Additional Amounts (cont.)


■ STAR SE/W Platforms only: When the Response Code (DE
039) is ‘10’, then (assuming new methodology) DE 054 must
include the original requested amount, specified as follows:

◆ Account Type ‘00’ for prepaid cards, or else the ‘From


Account’ type from positions 3 – 4 of DE 003 (Processing
Code) in the response message

◆ Account Type ‘91’ (original amount)

◆ The local (acquirer) currency code for DE 049 of the request


message

◆ The local (acquirer) currency amount from DE 004 of the


request message

■ For issuers that return balances in 0110 and 0210 response


messages, the DE 054 sub-elements will need to be populated
as follows:

◆ Account Type ‘00’ for prepaid cards, or else the ‘From


Account’ type from positions 3 – 4 of the DE 003 (Processing
Code) in the response message

◆ Amount Type ‘02’ (account available balance) for prepaid


cards, or else ‘01’(ledger balance) and/or ‘02’ for all other
non-prepaid cards

◆ Currency Code ‘840’

◆ Balance Amount

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055 Additional Fees


STAR Element Format LLLV ANS-088

Definition Information for up to four fees may be contained in this data


element. The amounts contained in this field will be handled
differently (with regard to funds movement to and impact to
cardholder accounts) based upon the fee type, settle/memo
indicator, and amount sign indicators.
Message Type Disposition Condition

Issuer

■ 010x, 012x, 020x, Optional / For Issuers who have opted to receive this
022x, 042x Conditional field, it will be present when any additional
fee amounts are available in the message.

■ 0110, 0130, 0210, Conditional Required if the Additional Fees data element
0230, 0430 is received in the request. The response
value must be the same as the value in the
request.

Values Position 1-2 Fee Type ■ ‘00’ = Transaction


Fee. First amount
is in transaction
currency and
second amount is
in settlement
currency.

■ ‘15’ = Currency
Conversion
Assessment (CCA
fee). First amount
is in cardholder bill
currency and
second amount is
in settlement
currency.

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055 Additional Fees (cont.)


Position 3 Settle/Memo ■ ‘0’ = Card-Issuer
Indicator processor should
not apply this fee
to cardholder
account. This is
appropriate for
POS interchange
fees (as the issuing
bank retains such
fees). STAR moves
POS interchange
fees to issuing
bank as part of
daily settlement
processing.

■ It is also
appropriate to not
charge the
cardholder
separately for fee
type ‘15’ (CCA) as
this fee is already
contained in the
transaction
amount.

■ '1' = Card-Issuer
processor should
apply this fee (in
addition to the
transaction
amount) to the
cardholder
account. Such
handling is
appropriate for
surcharge fees. (At
this time, STAR
uses only DE 028
and DE 029 for
surcharge fees.)

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055 Additional Fees (cont.)


Position 4 Decimalization ■ ‘0’
Indicator

Position 5-13 Fee Amount ■ X + N8

■ See notes under


Position 1-2, Fee
Type to determine
which currency is
used to represent
the fee amount.

Position 14-22 Settle Fee Amount ■ X + N8

Processing Rules ■ Numeric (except for sign indicator).

■ Each fee amount field is right-justified, zero-filled.

■ Assumes 2 decimal places for US dollar amounts. For non-US


dollar amounts, decimal position is per ISO standard (usually,
but not always, 2 positions).

■ X (sign indicator):

◆ 'C' = Credit to the cardholder or issuer

◆ 'D' or '0' = Debit to the cardholder or issuer

■ In reversals, the sign indicator is reversed to indicate reversal


of the amount.

■ For full reversal transactions, DE 055 will reflect the reversal of


the full fee amounts.

■ For partial reversal transactions, DE 055 will likewise reflect the


reversal of the full amounts; however, for such transactions,
the content of DE 056 becomes the actual amount of the fees to
be associated with the portion of the transaction amount that
was not reversed.

■ The STAR ISO 8583 Gateway/Product Interface Guide provides


additional processing information for Gateway processing.

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056 Replacement, Additional Fees


STAR Element Format LLLV ANS-088

Definition Used only in support of partial amount reversals. It will be used


together with DE 055:

■ DE 055 will have reversed sign indicators and amounts equal to


those in the original transaction, to reflect a full reversal of the
original amounts.

■ DE 056 will contain revised amounts that are appropriate for


the actual transaction amount. The sign indicators in DE 056
will be consistent with those that were used in DE 055 in the
original request.
Message Type Disposition Condition

Issuer

■ 0420 Optional / For Issuers who have opted to receive this


Conditional field, it will be present in partial amount
reversals when additional fee amounts are
available in the message.

■ 0430 Conditional Required if received in the 0420 reversal.


The values must be the same as those
received in the reversal.

Values Position 1-2 Fee Type ■ ‘00’ = Transaction


Fee. The first
amount is in the
transaction
currency and the
second amount is
in the settlement
currency.

■ ‘15’ = Currency
Conversion
Assessment
(MasterCard CCA
fee). The first
amount is in the
cardholder bill
currency and the
second amount is
in the settlement
currency.

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056 Replacement, Additional Fees (cont.)


Position 3 Settle/Memo ‘0’ = Card-Issuer
Indicator processor should not
apply this fee to the
cardholder account.
This is appropriate
for POS interchange
fees (as the issuing
bank retains such
fees). STAR moves
POS interchange fees
to the issuing bank
as part of daily
settlement
processing.

It is also appropriate
to not charge the
cardholder
separately for fee
type ‘15’ (CCA) as
this fee is already
contained in the
transaction amount.

‘1’ = Card-Issuer
processor should
apply this fee (in
addition to the
transaction amount)
to the cardholder
account. Such
handling is
appropriate for
surcharge fees. (At
this time, STAR uses
only DE 028 and DE
029 for surcharge
fees.)

Position 4 Decimalization ‘0’


Indicator

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056 Replacement, Additional Fees (cont.)


Position Fee Amount X + N8
5-13
See notes under
Position 1-2 Fee
Type to determine
which currency is
used to represent
the fee amount.

Position Settle Fee Amount X + N8


14-22

Processing Rules ■ Numeric (except for sign indicator).

■ Each fee amount field is right-justified, zero-filled.

■ Assumes 2 decimal places for US dollar amounts. For non-US


dollar amounts, decimal position is per ISO standard (usually,
but not always, 2 positions).

■ X (sign indicator):

◆ ‘C’ = Credit to the cardholder or issuer

◆ ‘D’ or ‘0’ = Debit to the cardholder or issuer

■ In partial reversals, X will match DE 055 sign indicator in the


original request.

■ The STAR ISO 8583 Gateway/Product Interface Guide provides


additional processing information for Gateway processing.

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057 Authorization Life Cycle


STAR Element Format LLLV N-003

Definition Authorization life cycle – a value in calendar days, hours, or


minutes which defines the time period for which an Acquirer is
requesting guarantee of funds.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x Required ■ Pre-authorizations must be set at two (2)


hours to comply with STAR Operating
Rules. Thus, the proper setting for this
field is ‘202’.

■ Values may vary between other networks.

■ 0110 Optional Required if needed in reversal for late or


unsolicited response.

■ 042x Required If provided in the original 0100.

Format Position 1 Life Cycle Indicator ‘1’ = Calendar Day

‘2’ = Hours

‘3’ = Minutes

Position 2-3 Actual Interval Time interval – # of


days, hours, or
minutes

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058 National Point-Of-Service Condition Code


STAR Element Format LLLV N-010

Definition Provides additional information regarding the disposition of the


transaction, customer, terminal.
Message Type Disposition Condition

Acquirer/Issuer

■ 01xx, 02xx, 04xx Required

Format Position 1 Terminal Class - Terminal Operation

Position 2 Terminal Class - Customer Operation

Position 3 Terminal Class - On/Off Premise

Position 4 POS Condition Code - Presentation Data:


Cardholder Presence Indicator;
Purchase/Order/ Payment Type Indicator

Position 5 POS Condition Code - Presentation Data:


Card Presence Indicator

Position 6 POS Condition Code - Presentation Data:


Card Retention/Capture Capability
Indicator

Position 7 POS Condition Code - Presentation Data:


Presentment Indicator

Position 8 Security Condition

Position 9-10 POS Condition Code/Terminal Type

Processing Rules ■ See Chapter 11: Data Element 058: National Point of Service A
for additional information.

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059 National Point-Of-Service Geographic Data


STAR Element Format LLLV AN-017

Definition National Point-of-Service – A series of codes to identify the state,


county, postal service code, and country code geographic data
where the ATM or Point-of-Service device is physically located.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Conditional This is a mandatory data element for some
022x, 042x networks (access to which may be provided
by STAR).

Issuer

■ 0110, 0210 Optional Required if needed in reversal for late or


unsolicited response.

■ 013x, 023x, 043x Optional

Format Position 1-2 State Code (2N)

Position 3-5 County Code (3N)

Position 6-14 Postal Service Code (5-9AN)

Position 15-17 Country Code (3N)

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059 National Point-Of-Service Geographic Data (cont.)


Processing Rules ■ This element is not required for STAR Acquirer Processors
unless participating in another network that requires it. See the
STAR ISO 8583 Gateway/Product Interface Guide.

■ STAR SE/W Card-Issuer Processors may request to be


configured to receive this field if they participate in any of
STAR's gateways or links.

■ If County Code is unavailable, this sub-element may be


zero-filled if later sub-elements are included. If Country Code is
included, blank-fill any unused Postal Service Code positions.

■ If their cardholders use terminals located on US Military bases


in foreign countries, and if Issuers are configured to receive
DE 059, then Issuers may (or may not) receive a value of “99”
in the State code subfield (as several networks require this).

■ Acquirers of transactions for terminals located on US Military


bases in foreign countries and who send in DE 059, must
populate the State subfield with “99”. This will enable STAR to
comply with other networks' requirements.

Platform Distinction ■ DE 059 is not currently sent to Issuers on the STAR NE


Platform.

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060 Advice / Reversal Code


STAR Element Format LLLV AN-006

Definition Defines the reversal and/or advice reason codes.


Message Type Disposition Condition

Acquirer/Issuer

■ 012x, 022x, 042x Required

Format Position 1-2 The hexadecimal character representation


of a bit map indicating the presence of the
following subfields:

■ ‘80’ = Reversal reason present.

■ ‘40’ = Advice reason present.

■ ‘C0’ = Both reversal and advice reason


subfields are present.

Position 3-4 ■ If the bit map indicates that only one


reason code is present, that value will
appears in positions 3-4 (i.e., either a
reversal reason or an advice reason
code).

■ Formats:

◆ ‘80RR’ where RR is a valid reversal


code.

◆ ‘40AA’ where AA is a valid advice code.

Position 5-6 ■ Is only populated if the bit map value is


C0. In such instances, the advice reason
code appears in positions 5-6 (and the
reversal code appears in positions 3-4).

■ Format: ‘C0RRAA’ where RR is a valid


reversal code, and AA is a valid advice
code.

Processing Rules ■ For a reversal, STAR Acquirer Processors should send only a
reversal reason

■ For an advice, STAR Acquirer Processors should send only an


advice reason

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060 Advice / Reversal Code (cont.)


Processing Rules ■ For a reversal of an advice, STAR Acquirer Processors should
(continued) send both the reversal and advice reason sub-elements

■ STAR Acquirer Processors should not send in values of 3, 4, or 9


in position 1 of the reversal reason code field, as these values
are to be assigned by the STAR. (Networks behind STAR,
however, may also assign a value of 3.)

■ STAR POS Acquirer Processors supporting a pre-authorization


request (0100/0101) and financial transaction advice (0220/
0221) should set the advice reason code value to '24' in the
022x advice

■ STAR POS Acquirer Processors are not permitted to send in


0120 approval advices, nor are they permitted to send in 0220
force post approval advices for transactions that did not have
an associated 0110 approval response. For this reason, STAR
POS Acquirer Processors may not send in advice reason code
position 2 values of 5, 6, or 7

■ STAR SE/W Platforms Only: STAR Card Issuer Processors that


transmit a 0110 or 0210 response message that fails STAR
switch data element edits will receive a 0420 reversal message
with a reversal reason code of '30'

■ STAR Card Issuer Processors may receive denial and/or force


post advices with advice reason code values of "31", "32", or
"33" for transactions STAR switch declines when the Card
Issuer Processor does not respond (or respond timely) to
transaction requests

■ Networks behind STAR may send both sub-elements in a


reversal or an advice, so STAR Card Issuer processors should
be prepared to accept zeros in either sub-element. Additionally,
networks behind STAR may use reversal and advice reason
code values other than the values used by STAR. For this
reason, STAR Card Issuer Processors should not limit their
ability to accept values to only those listed in Chapter 12.

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060 Advice / Reversal Code (cont.)


Processing Rules ■ STAR NE Platform ony
(continued)
◆ An advice code of ‘CV’ indicates the STAR NE Switch has
denied a transaction due to invalid CV value on the issuer’s
behalf

◆ An advice code of ‘AT’ indicates the STAR NE Switch has


denied a transaction on the issuer’s behalf due to invalid ATC
counter.

◆ Ad advice code of ‘DB’ indicates the advice is a notification of


a foreign deposit acquired at one of the processor’s STAR
driven ATMs

■ STAR SE/ W Platforms only: An advice code of ‘34’ in


conjunction with a response code (DE 039) value of ‘05’,
indicates a CV Threshold limit has been reached

■ Chapter 12: Data Element 060: Advice/Reversal/Reason Code


in this manual indicates further values, and additional
information

061 Acquirer Transport Data


STAR Element Format LLLV ANS-100

Definition Free format data of up to 100 bytes that will be echoed to the
Acquirer Processor in the response to their request.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 012x, 020x, Optional


022x, 042x

■ 0110, 0130, 0210, Conditional Required if received in request.


0230, 0430

Processing Rules This field will not be passed on to the Card-Issuer Processor.

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062 Issuer Transport Data


STAR Element Format LLLV ANS-100

Definition Free format data of up to 100 bytes that will be echoed to the
Card-Issuer Processor in response to their request.
Message Type Disposition Condition

Acquirer/Issuer

■ 0302, 0312 Conditional Required for signature debit clients that


have elected to send negative file messages
online through the STAR network to Visa or
MasterCard.

■ 0302, 0312 Optional

Processing Rules ■ This field will not be passed on to the Acquirer Processor.

■ See the STAR ISO 8583 Gateway/Product Interface Guide,


Chapter 5: Data Element 62: Issuer Transport Data for
additional information.

063 STAR Identification Data


STAR Element Format LLLV ANS-050

Definition This data element provides STAR-defined information.

Format - Fixed Data

Length Description

2 Data Byte Map

Format - Variable Data

Length Byte Map/POS Description Bit Number


Value

6 1/8 Pseudo Terminal ID 1

3 1/4 Issuer Network ID 2

3 1/2 Acquirer Network ID 3

6 1/1 Processor ID 4

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063 STAR Identification Data (cont.)


2 2/8 Auth Timeout (not 5
used for STAR
transactions)

15 2/4 Open Account (not 6


used for STAR
transactions)

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063 STAR Identification Data (cont.)


5 2/2 Processing Flags 7

■ Position 1:
Externally settled
transaction
indicator (not used
for STAR
transactions).

◆ Values = Space
or ‘0’

◆ Position 2:
Reserved for
Future Use

■ Value = Space

■ Position 3:
Merchant partial
amount approval
capability.
Values:

◆ Space or ‘0’:
Merchant
terminal does
not support
receipt of partial
approvals.

◆ 1: Merchant
terminal
supports receipt
of partial
approvals.

■ Positions 4-5:
Reserved for future
use.

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063 STAR Identification Data (cont.)


Sub-element Message Type Disposition Condition

Pseudo Terminal ID

Acquirer/Issuer

■ 010x, 0110, Required


012x, 0130,
020x, 0210,
022x, 0230,
042x, 0430

Issuer Network ID

Issuer

■ 0100, 0120, Optional


0200, 0220,
0420

■ 0110, 0210 Conditional May be returned in


response if received
in the request.

Acquirer

■ 0110, 0210 Optional

■ 0220, 0420 Conditional May be returned in


advice if received in
response.

Acquirer Network ID

Issuer

■ 0100, 0120, Optional/Mandatory ■ STAR SE/W:


0200, 0220, Optional for
0420 Issuers to receive.

■ STAR NE:
Mandatory for
Issuers to receive.

■ 0110, 0210 Conditional May be returned in


response if received
in the request.

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063 STAR Identification Data (cont.)


Acquirer

■ 0100, 0200 Conditional ■ STAR SE/W


platforms,
permitted only:

◆ With STAR CHEK


Direct product.

◆ When acquirer
processor
represents a link
to another
non-STAR
network.

■ STAR NE platform:
Not used.

■ 0110, 0210 Optional Optional for


Acquirers to receive.

■ 0220, 0420 Conditional ■ STAR SE/W


platforms,
permitted only:

◆ With STAR
CHEK® Direct
product.

◆ When acquirer
processor
represents a link
to another
non-STAR
network.

◆ When received in
response.

■ STAR NE platform:
Not used.

Processor ID

Acquirer/Issuer

■ 0100, 0110, Optional


0120, 0200,
0210, 0220,
0420

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063 STAR Identification Data (cont.)


Processing Flags

Acquirer

■ 0100, 0110, Optional


0420

■ 0200, 0210 Conditional Required when the


acquiring terminal is
capable of
supporting partial
authorizations.

Issuer

■ 0100, 0110, Optional


0120

■ 0200, 0210, Conditional Required for issuers


0220, 0420 that support partial
authorizations for
financial
transactions.

Processing Rules Pseudo Terminal ID:

■ Value is provided by Acquirer Processor.

■ On the STAR NE Platform, the value to be sent by acquirers


must be coordinated with STAR. It also must be passed in upper
case.

■ On the STAR SE-W Platforms, the value is not edited and will be
changed at STAR to a STAR-assigned value (which is associated
with data provided by the Acquirer in De 032 and DE 058). For
this reason, the pseudo terminal value contained in STAR SE-W
settlement user files may not match the value supplied in the
request.

Issuer Network ID:

■ Tells the Acquiring Processor which network authorized the


transaction.

■ See Chapter 1 in the STAR ISO 8583 Gateway Product Interface


Guide for all valid Issuer Network IDs.

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063 STAR Identification Data (cont.)


Acquiring Network ID:

■ Tells the Issuing Processor which network acquired the


transaction

■ See Chapter 1 in the STAR ISO 8583 Gateway Product Interface


Guide for all valid Acquiring Network IDs.

■ STAR NE Platform: Acquirer Network IDs not listed in that


chapter are non-gateway STAR NE Acquirers.

Processor ID:

■ Tells the Issuing Processor which network acquired the


transaction

■ Also indicates to the Acquiring Processor which processor


authorized the transaction.

Processing Flags:

■ This sub-field may or may not be present in varying


transactions.

■ Used to indicate to the issuer whether or not the acquirer is


capable of handling a partial amount authorization.

■ For financial transactions (message type 0200/0210), issuers


should not return partial amount approval for transactions for
which position 3 of Processing Flags is not equal to ‘1’.

■ If sent by the acquirer and/or received by issuer in an advice


(0220 or 0420) transaction, the transaction must be processed,
regardless of the content of this field.

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070 Network Management Information Code


STAR Element Format NP-3

Definition Used to identify network status in network management


messages.
Message Type Disposition Condition

Acquirer/Issuer

■ 0800, 0810, 0620 Required

Format Code Processor Switch Initiated


Initiated

■ 0800, 0810 ‘005’ Unsupported Unsupported

‘061’ Signon as Issuer/ Signon as Acquirer


Authorizer Processor

‘071’ Signon as Acquirer Signon as Issuer


Processor

‘062’ Signoff as Issuer/ Signoff as Acquirer


Auth. Processor

‘072’ Signoff as Acquirer Signoff as Issuer


Processor

‘161’ Unsupported Acquirer working key


change

‘171’ Unsupported Card-Issuer working


key change

‘181’ Acquirer Key change Not supported


request

‘191’ Issuer Key change Not supported


request

‘261’ Unsupported Acquirer Processor,


End of day

‘262’ Cut-off complete as


Authorizer (STAR
CHEK Direct only)

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070 Network Management Information Code (cont.)


‘271’ Unsupported Authorizer/Issuer
Processor, End of
day

‘272’ Cut-off complete as


Acquirer (STAR
CHEK Direct only)

‘361’ Issuer/Authorizer Acquirer Processor


handshake/echo test handshake/echo test

‘371’ Acquirer Processor Issuer handshake


handshake/echo test echo test

■ 0620 ‘900’ Message format Message format


syntax error syntax error

Processing Rules Valid Network Management Code Required.

090 Original Data Elements


STAR Element Format NP-42

Definition The data elements contained in the original message, intended to


identify a transaction for correction or reversal. These five
sub-elements are in fixed length format totaling 42 numerics.
Absence of data is indicated by zeros.
Message Type Disposition Condition

Acquirer/Issuer

■ 042x, 0430 Required

Format Attribute Position Notes

N4 1-4 Original Message Type, echoed from


original 010x, 020x or 022x.

N6 5-10 Original System Trace Audit number.

N10 11-20 Original transmission date (DE 013) and


time (DE 012).

N11 21-31 Original acquiring institution identification


code.

Zero-filled if acquired by STAR.

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090 Original Data Elements (cont.)


N11 32-42 Original forwarding institution
identification code. (Zero-filled if acquired
by STAR.)

Processing Rules ■ The first three sub-elements are supported by STAR. The
remaining two sub-elements must be zero-filled. If an Acquirer
Processor zero-fills either the Original system trace audit
number or the Original transmission date and time, the Switch
will replace the zeros with data contained from DE 011 and
DE 007.

■ 022x reversal is only permitted when acquired from a link or


Gateway.

■ STAR CHEK Direct only: Outbound messages contain the


original message type. The system trace audit number and local
date/time are sent if available. Absence of data is indicated by
zeros. Routing and transit fields will be right-justified,
zero-filled.

091 File Update Code


STAR Element Format AN-1

Definition Indicates to the Switch which procedure to follow. The following


codes are utilized in negative file maintenance at the STAR
Switch.
Message Type Disposition Condition

Acquirer/Issuer

■ 0302, 0312, 0322 Required

Value Code Description

‘1’ Add record

‘2’ Change/Update record

‘3’ Delete record

‘5’ Inquiry

Processing Rules Valid value required for negative file update.

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095 Replacement Amounts


STAR Element Format AN-42

Definition The replacement amounts necessary to perform a partial or


over-dispense reversal on a financial transaction. The four
sub-elements are in fixed length format totaling 42 characters.
Absence of data is indicated by zeros.
Message Type Disposition Condition

Acquirer/Issuer

■ 042x, 0430 Conditional

Format Attribute Position Notes

N-12 1-12 Actual Amount, Transaction: the amount


dispensed in the currency of the Acquirer
Processor if the transaction was acquired
internationally.

N-12 13-24 Actual Amount, Settlement: in US


currency.

X + N-8 25-33 Actual Amount, Transaction Fee: the


transaction fee in the currency of the
Acquirer Processor if the transaction was
acquired internationally.

X + N-8 34-42 Actual Amount, Settlement Fee.

■ All four (4) sub-elements will be present. Actual Amount,


Transaction and Actual Amount, Settlement will be the same if
the transaction was performed in US currency.

■ In the case where an over-dispense occurs, Actual Amount,


Transaction or Actual Amount, Settlement will exceed Amount,
Transaction (DE 004).

■ STAR Point of Sale Acquirer Processors may generate partial/


overdispense reversals from ATM multi-media device types.

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095 Replacement Amounts (cont.)


Processing Rules ■ Signed Numeric.

■ X must be ‘C’ (Credit to the cardholder) or ‘D’ (Debit to the


cardholder).

■ Over- and under-dispense reversals are supported via an 0420


message, not as an additional debit transaction.

■ DE 095 should be populated with the amount actually dispensed


(e.g., an amount greater or less than the original amount
requested).

■ DE 095 should not be populated with amount equal to the


original amount in DE 004 or DE 005, because if the amount
dispensed equaled the amount requested, then reversal would
have no net effect.

■ Zero-dollar reversals (where the amount in DE 004 or DE 005 is


zero) are not permitted.

096 Message Security Code


STAR Element Format AN-8

Definition A verification value transmitted between a message originator


and a message receiver, used to verify that the message
originator is authorized to originate messages on the interface.
This value is Switch-assigned.
Message Type Disposition Condition

Acquirer/Issuer

■ 0302, 0800 Required STAR CHEK® Direct only: 0302 is not


used.

Format AN-5 Left-justified, blank-filled.

Processing Rules None

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100 Receiving Institution Identification Code


STAR Element Format LLV NP-9

Definition Unique to STAR CHEK® Direct. This field is used to determine the
authorization entity for routing.
Message Type Disposition Condition

Acquirer/Issuer

■ 0100, 0120, 0200, Required All STAR CHEK® Direct check transactions.
0220, 0420

■ 0110, 0210 Conditional ■ STAR SE/W: Switch returns this field to


the acquirers. Issuers do not need to
return it in a response.

■ STAR NE: Optional.

Processing Rules Should contain the check’s 9-digit Routing and Transit number.

101 File Name


STAR Element Format LLV ANS-17

Definition The actual or abbreviated name of the file being accessed.


Message Type Disposition Condition

Acquirer/Issuer

■ 0302 Required

■ 0322, 0382, 0392 Required STAR NE Platform only

■ 0332, 0392, 0394 Conditional STAR NE Platform only

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101 File Name (cont.)


Processing Rules STAR SE/W Platforms:

■ For 0302, must be 'PI-NEGATIVE'.

STAR NE Acquirer:

■ 0302:

◆ For negative file update request, must be 'PI-NEGATIVE'.

◆ For ATC reset request, must be 'ATC-RESET'

■ 0312:

◆ STAR NE does not echo DE 101 in 0312 replies.

■ 0382:

◆ For card activation request, must be 'CARD ACTIVATION'

◆ For PIN offset file update request, must be 'OFFSET FILE'

■ 0392:

◆ STAR NE echoes DE 101 in 0392 replies.

STAR NE Issuer:

■ 0302:

◆ For negative file update, will be 'PI-NEGATIVE'.

■ 0322:

◆ For negative file update advice, will be 'PI-NEGATIVE'.

■ 0382:

◆ For card activation notification, will be 'CARD ACTIVATION'

◆ For PIN change request, will be 'PIN CHANGE'

■ 0384:

◆ For PIN change advice, will be 'PIN CHANGE'

■ 0312/0332/0392/0394: DE 101 is optional for STAR NE issuers.

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102 Account Identification 1


STAR Element Format LLV ANS-28

Definition Series of digits used to identify a customer account or


relationship. Account Identification 1 is primarily used for the
“from” account in a transaction.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Optional


020x, 0210, 022x

■ 020x Conditional Will be provided in the request for


Co-Operative clients.

■ 042x Conditional Must be returned by Acquirer if Issuer


supplied in the 0110 or 0210 response
message.

Processing Rules None

103 Account Identification 2


STAR Element Format LLV ANS-28

Definition Series of digits used to identify a customer account or


relationship. Account Identification 2 is primarily used for the “to”
account in a transaction.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Optional


0210, 022x

■ 020x Conditional Will be provided in the request for


Co-Operative clients.

■ 042x Conditional Must be returned by Acquirer if Issuer


supplied in the 0110 or 0210 response
message.

Processing Rules None

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104 Transaction Description


STAR Element Format LLLV ANS-100

Definition Data describing additional characteristics of the transaction for


billing and other purposes.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Conditional ■ Required for STAR POS Acquirer


022x, 042x Processors on all transactions except
POS balance inquiries.

■ Required for Point of Sale (POS)


Acquirer Processors who access
Interlink through their STAR connection.

■ Required for STAR ATM alternate media


transactions.

■ 0110, 0210 Conditional Will be returned to acquirer if received in


request.

Issuer

■ 010x, 012x, 020x, Conditional ■ Will be sent to issuer for POS transactions.
022x, 042x

■ 0110, 0210 Conditional Required if Card-Issuer Processor wants to


receive this element in reversals generated
by STAR processing for late responses.

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104 Transaction Description (cont.)


Format ■ Position 1 - The Interlink Interchange Group Identifier can have
the following values:

◆ “N” = Acquirer Processor does not participate in Interlink


through STAR

◆ ‘W” = Pre-existing qualified Interlink supermarket (SE/W


only)

◆ “X” = Pre-existing Interlink merchant (SE/W only)

◆ “Y” = Qualified Interlink supermarket (SE/W only)

◆ “Z”= Standard Interlink merchant (SE/W only)

■ Position 2-4 STAR Interchange Group Identifier

◆ Left justified, variable length (1-3 bytes)

◆ If Position 5 (Aggregration Indicator) is not present, then


trailing spaces are dropped.

◆ If the Aggregation Indicator is present then

◆ A 1-byte STAR Interchange Group identifier is followed by


spaces in positions 3-2.

◆ A 2-byte STAR Interchange Group Identifier is followed by


one space in position 4.

■ Position 5 - Aggregation Indicator


This subfield may or may not be present.

If present, valid values include:

◆ “Y” - Transaction in an aggregated transaction

◆ “N” - Transaction is not an aggregated transaction.

Processing Rules ■ DE 104 must be present in alternate media transactions and


reversals. See the Alternate Media section of the STAR ISO
8583 Gateway/Product Interface Guide, Chapter 4 for details
and associated reversals.

■ See Chapter 13 in this manual for valid interchange identifier


values.

■ See the STAR ISO 8583 Gateway/Product Interface Guide,


Chapter 12 for details on formatting this element in NYCE
Payment transactions.

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105 Large Private Data


STAR Element Format LLLV ANS-999

Definition Private issuer-generated data, delivered in a custom format


depending on issuer’s usage.
Message Type Disposition Condition

Acquirer/Issuer

■ 0100, 0110, 0220, Conditional Presence in messages depends on usage.


0210, 0220, 0420

Format Format varies depending on usage. Consists of a fixed-length


data segment followed by a variable-length segment that may
repeat.

Processing Rules ■ See Chapter 12: Data Element 105: Large Private Data in this
manual for information on current usages of DE 105.

■ See the STAR ISO 8583 Gateway/Product Interface Guide,


Chapter 11 for details on formatting this element in NYCE
Payment transactions.

109 Sender Data


STAR Element Format LLLV AN-255

Definition This tagged data field is used to carry information from and about
the sender of the transaction.
Message Type Disposition Condition

Issuer

■ 0100, 0120, 0200, Optional Currently supported for certain types of


0220, 0420 MasterCard acquired transactions.

■ 0100, 0210 Conditional May be returned, if received, in the request


(if the Card-Issuer Processor wants to
receive this field in a reversal for a late
response)

Processing Rules ■ See the STAR ISO 8583 Gateway/Product Interface Guide,
Chapter 12 for details on how this element is used in
transactions.

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111 Additional Data, Private Acquirer


STAR Element Format LLLV AN-255

Definition Private acquirer originated transaction data.


Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Conditional Required to convey MasterCard-assigned ID


022x, 042x for tiered interchange pricing.

Issuer

■ 010x, 012x, 020x, Optional For STAR Issuers, in certain instances and
022x, 042x upon request, STAR can pass DE 111 to
convey information received from other
networks

Processing Rules See the STAR ISO 8583 Gateway/Product Interface Guide,
Chapter 8, DE111: Additional Data, Private Acquirer for detailed
information on uses, formats, and platform distinctions for this
data element.

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113 Card Issuer Identification Code


STAR Element Format LLLV N-11

Definition Authorizing agent institution Routing and Transit Number


(FRD-ABA) – identifies the Card-Issuer approving or denying a
financial request.
Message Type Disposition Condition

Issuer

■ 0110, 0210 Required ■ All STAR ATM & POS issuing processors
must format the FRD-ABA as
1NNNNNNNNC where NNNNNNNN is the
FRD-ABA and C is a check digit.

■ This data element is a uniquely identifying


number agreed upon by the network.

Acquirer

■ 010x, 012x, 020x, Optional ■ If transmitted by another Network.


042x
■ STAR CHEK® Direct only: 0220
messages may also use this data element.

■ 0110, 0210 Conditional Will be passed to acquirer if available.

Processing Rules ■ Field length of 10 containing numeric digits, or field length of 11


with a trailing blank. Field may not be packed.

■ If the data element begins with a ‘1’, STAR members must


populate the field as a FRD-ABA with a value check digit (MOD
10).

■ Links and gateways may not always transmit a valid FRD-ABA


check digit.

■ If a STAR Card-Issuer Processor responds with a FRD-ABA of all


zeros, the Switch will overlay the zeros with the institution's
FRD-ABA as defined in the STAR database.

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113 Card Issuer Identification Code (cont.)


Platform Distinction For transactions where the Card Issuer cannot be identified (e.g.,
the BIN is not in the routing files loaded into STAR), a a default
FRD-ABA will be returned by the Switch to the Acquirer Processor.

Default FRD-ABA values for STAR platforms:

■ STAR SE = 1111111111

■ STAR W = 1605460540

■ STAR NE = 1031000011

114 Country Code, Authorizing Agent


STAR Element Format LLLV AN-3

Definition Code identifying the country where the authorizing agent


institution is located.
Message Type Disposition Condition

Issuer

■ 0110, 0210 Optional

Acquirer

■ 0110, 0130, 0210, Conditional May be received for transactions for non-US
0230, 0430 cardholders.

Processing Rules None

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120 Account Qualifiers 1 and 2


STAR Element Format LLLV AN-6

Definition Used to identify account qualifiers in a multiple account


transaction.
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 012x, Optional


020x, 0210, 022x,
042x

Format 3 AN ■ Account Qualifier 1: This sub-element


identifies the “from” account involved in a
transaction.

3 AN ■ Account Qualifier 2: This sub-element


identifies the “to” account involved in a
transaction.

Processing Rules STAR NE Platform:

■ Account Qualifier 1 and Account Qualifier 2 must be one of the


following values:

◆ 000 = Not applicable to the transaction

◆ 1nn = Checking

◆ 2nn = Savings

◆ 3nn = Credit

◆ 4nn = Other

■ Where nn is the sequence number of the account. Valid values


are '01' through '99'.

■ A value of '01' indicates the primary account of the type


indicated.

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121 Additional Data, Private Issuer


STAR Element Format LLLV ANS...999

Definition Used to convey issuer-specific data. This data may vary by


transaction type, product, or network.
Message Type Disposition Condition

For Statement Processing:

Acquirer/Issuer

■ 0200, 0210 Conditional Required for Statement Processing request/


reply transactions.

For MasterCard- and/or Visa-Issuer transactions:

Acquirer

■ 0110, 0210 Optional Acquirers on the STAR SE/W platforms can


elect to have this optional data element
enabled for transaction responses from
MasterCard and Visa.

For STAR Signature Debit transactions:

Issuer

■ 0110 Optional Issuers on the STAR SE/W platforms can


elect to provide a Merchant Advice Code. If
not provided, the STAR switch will return a
default value.

Format Varies, depending upon usage.

Processing Rules ■ For additional information on DE 121 usage with statement


processing, see Chapter 15 in this manual.

■ For additional information on DE 121 usage with Visa- and


MasterCard-issued transactions, see Chapter 9 DE 121:
Additional Data, Private Issuer in the STAR ISO 8583 Gateway/
Product Interface Guide.

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122 Sponsor Bank ID


STAR Element Format LLLV AN-11

Definition Used to pass values assigned by other networks to represent the


acquirer or its sponsor. Such values are optionally available in
DE 122 to Issuers on the STAR SE/W platforms. STAR populates
and/or maps sponsor values in requests to the other networks on
behalf of its Acquirers.
Message Type Disposition Condition

Issuer

■ 010x, 012x, 020x, Optional For the Issuers electing to receive it, DE 122
022x, 042x can carry MasterCard acquirer Customer ID
or VISA Sponsor Bank ID values.

■ 0110, 0210 Optional May be returned, if received in the request,


if the Card-Issuer Processor desires to have
this field returned in a reversal.

Processing Rules STAR Acquirers should not send in DE 122.

Platform Distinction This field is for STAR SE/W Issuers only; it is not applicable for
the STAR NE Platform.

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123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check


Deposits
STAR Element Format LLLV ANS-255: Address Verification, Card Verification/Validation,
ATM Overdraft

LLVAR ANS 157: Self Service Check Deposits

Definition This data element can carry data for several purposes:

■ Signature Debit transactions:

◆ Address Verification (AVS data)

◆ Card Validation data and results for MasterCard CVC2 and


Visa CVV2 (STAR SE/W Platforms only)

◆ 3-D Secure Validation results (STAR SE/W Platforms only)

■ Self Service Check Authorization data (check guarantee and


check verification):

◆ MICR data

◆ Driver’s license information

■ ATM Overdraft capability/eligibility information (STAR NE


Platform only).

■ STAR CHEK® Direct Check Authorization.

◆ See STAR ISO 8583 Gateway/Product Interface Guide


Chpater 11: Data Element 085: National Point of Service and
Chapter 12: Data Element 060: Advice/Reversal Reason Code
for details on STAR CHEK® usage.

■ Cash and Check Deposits


See STAR ISO 8583 Gateway/Product Interface Guide Chapter 6:
Data Element 123: AVS / CVx2 / 3-D / Check Auth / ATM
Overdraft / Cash and Check Deposits for details on each of the
usages above.

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123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check


Deposits (cont.)
Message Type Disposition Condition

Acquirer/Issuer

■ 010x, 0110, 020x, Conditional


0210, 022x, 042x

Cash/Check Deposit

■ 0100 Conditional STAR Switch forwards MICR data, if


received, for a cashed check transaction.

■ 0200, 0220, 0420 Conditional Issuers must be able to receive and send for
cash/check deposit authorizations.

Processing Rules When using the Tagged Data format, multiple components, such
as AVS and CVV2 data, may appear in a single message and vary
in their order. The Format Type identifier ‘TD’ must occupy
positions 1-2 of the element for all tagged formats.

Platform Distinction STAR NE Platform supports AVS through this data element only in
the Tagged Data format.

124 Additional Data, Private


STAR Element Format LLLV ANS-255

Definition This is a multi-purpose field defined by STAR.


Message Type Disposition Condition

Acquirer/Issuer

■ 0620 Required First 255 bytes of message in error; can


contain up to the first 255 bytes of the
message.

■ 0382, 0392 Required Card Activation and PIN Change/


Offset: Defines the cardholder data to be
modified.

■ 0384, 0394 Required Issuer PIN Change Advice: New PIN


offset value

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124 Additional Data, Private


Format Length Description Notes

■ Card Activation AN 19 Card Number Required

AN 5 Member Number Conditional:


Required if Issuer
supports it.

AN 41 Filler (spaces)

AN 1 Card Activation ■ ‘Y’ = Card is active.

■ ‘N’ = Card is not


active.

■ PIN Offset File N4 PIN Offset New PIN offset


Update, PIN Change value.
Advice

■ PIN Change N2 Old PIN Indicator Value = “03” (ANSI


PIN block).

b64 Old PIN Block The old PIN


encrypted under the
current PIN
encryption key.

N2 New PIN Indicator Value = “03” (ANSI


PIN block).

b64 New PIN Block The new PIN


encrypted under the
current PIN
encryption key.

Processing Rules None

Platform Distinction ■ Card Activation and PIN Change/Offset usage is available on the
STAR NE platform only.

■ See the STAR ISO 8583 Gateway/Product Interface Guide,


Chapter 13, DE124: Additional Data, Private for detailed
information on uses, formats, and platform distinctions for this
data element.

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125 Network Management Information/Tagged Issuer Data


STAR Element Format LLLV ANS-56

Definition This field is used for dynamic key management or to carry


Issuer-related tagged data.
Message Type Disposition Condition

Network Management Information

Acquirer/Issuer

■ 0800, 0810 Conditional Required in 0800 messages with Network


Management Code (DE 070) equal to 161 or 171.

Format Code Description

‘20’ Single DES:

■ 16-character key (an Acquirer Processor


Working Key).

■ 4 character check digits (first four bytes of the


result of encrypting 16 zeros with the key being
transmitted).

‘36’ Triple DES:

■ 32-character key (an Acquirer Processor


Working Key).

■ 4 character check digits (first four bytes of the


result of encrypting 16 zeros with the key being
transmitted.

Processing Rules None


Message Type Disposition Condition

Tagged Data Information

Acquirer

0110, 0210, 0220, Optional Optional for Acquirers to receive in response


0420 messages and to send in subsequent advice and
reversal mesages.

Issuer

0100, 0120, 0200, Optional By special request, can be configured to be sent if


0220, 0420 available.

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125 Network Management Information/Tagged Issuer Data (cont.)


Issuer (cont.)

0110, 0210 Conditional May be returned, if received in the request (if the
Card-Issuer Processor wants to receive this field in
a reversal for a late response).

‘SI’ (STAR Interchange) Data Format

Field Name Position Data Length Description

Format Identifier 1-2 2 ■ ‘SI’ - STAR


Interchange tag

Tag Data Length 3-4 2 ■ The length of the data


in the STAR
Interchange field

■ Valid values range


from ‘01’ to ‘03’

STAR Interchange Value 5-7 Variable ■ ‘A’ - ALL STAR BIN


1-3
■ ‘0’ (zero) - Standard
STAR BIN (STAR SE/
W platform
Left-justified, no trailing
spaces

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125 Network Management Information/Tagged Issuer Data (cont.)


Processing Rules ■ ALL STAR Program

◆ DE 125 with STAR Interchange ‘SI” tagged data is currently


applicable to POS transactions and bill payment transactions
processed through the STAR Network.

◆ The STAR Interchange Data field is variable length and can


consist of one, two, or three alphanumeric characters with no
trailing spaces.

◆ Value ‘0’ (zero) indicates that the transaction involves a


standard STAR BIN. Other values will be used in the future to
denote different interchange configurations.

◆ Issuers opting to return DE 125 may not change the content


of DE 125 in 0110/0210 response messages.

◆ Issuers and Acquirers opting to receive DE 125 will receive it


on all applicable STAR POS and STAR Bill Payment
Transactions. Keep in mind, as with all data elements, that
other gateways may use this data element in other ways.

◆ Responses to Acquirers and advices to Issuers may not


contain DE125 (for processors electing to receive it) for
certain STAR switch-rejected transactions.

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126 Issuer Trace Data


STAR Element Format LLLV ANS-100

Definition This field may be used by Card-Issuer Processors to transmit


trace data to the STAR switch for inclusion in the offline STAR
“User File.” Data received from issuer networks other than STAR
can, in certain cases, optionally be passed to Acquirers in
response messages.
Message Type Disposition Condition

Acquirer

■ 0110, 0210 Optional For acquirers on the STAR SE/W platforms,


in certain cases and upon request, STAR can
pass DE 126 in response messages.

Issuer

■ 0110, 0210 Optional

Processing Rules None

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127 Acquirer Trace Data


STAR Element Format LLLV ANS-100

Definition This field may be used by Acquirer Processors to transmit trace


data to the STAR switch for inclusion in the offline STAR User File.
This data will not be returned to the acquirer. Data received from
acquirer networks other than STAR can, in certain cases,
optionally be passed to issuers in request messages.
Message Type Disposition Condition

Acquirer

■ 010x, 012x, 020x, Optional


022x, 042x

Issuer

■ 010x, 012x, 020x, Optional For STAR Issuers, in certain cases and upon
022x, 042x request, STAR can pass DE 127 in request
messages.

Processing Rules See the STAR ISO 8583 Gateway/Product Interface Guide,
Chapter 7, Data Element 127: Acquirer Trace Data for additional
information.

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Data Element Index

Data Element by Alphabetical Element Description


Table 5.1: Alphabetical Data Element List
Element Description Bit Position

Account Identification 1 102

Account Identification 2 103

Account Qualifiers 1 and 2 120

Acquirer Institution Identification Code (Acquirer ABA) 032

Acquirer Trace Data 127

Acquirer Transport Data 061

Acquiring Institution Country Code 019

Additional Amounts 054

Additional Data ISO (unsupported) 046

Additional Data National 047

Additional Data, Private 111

Additional Data, Private Acquirer 124

Additional Data, Private Issuer 121

Additional Fees 055

Additional Response Data 044

AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/ 123


Check Deposits

Advice / Reversal Code 060

Amount Cardholder Billing Fee (unsupported) 008

Amount Cardholder, Billing 006

Amount Net Settlement (unsupported) 097

Amount Transaction 004

Amount, Settlement 005

Amount, Settlement Fee 029

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Bit Position

Amount, Settlement Processing Fee (unsupported) 031

Amount, Transaction Fee 028

Amount, Transaction Processing Fee (unsupported) 030

Authorization Identification Response 038

Authorization Identification Response Length (unsupported) 027

Authorization Life Cycle 057

Authorization, Number (unsupported) 081

Bit Map Extended (unsupported) 065

Bit Map, Primary –

Bit Map, Secondary 001

Card Acceptor Identification Code 042

Card Acceptor Name/Location 043

Card Acceptor Terminal Identification 041

Card Issuer Identification Code 113

Card Sequence Number 023

Conversion Rate, Cardholder Billing 010

Conversion Rate, Settlement 009

Country Code, Authorizing Agent 114

Credits, Amount (unsupported) 086

Credits, Number (unsupported) 074

Credits, Processing Fee Amount (unsupported) 082

Credits, Reversal Amount (unsupported) 087

Credits, Reversal Number (unsupported) 075

Credits, Transaction Fee Amount (unsupported) 083

Currency Code, Cardholder Billing 051

Currency Code, Settlement 050

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Bit Position

Currency Code, Transaction 049

Date, Action (unsupported) 073

Date, Capture 017

Date, Conversion 016

Date, Local Transaction 013

Debits, Amount (unsupported) 088

Debits, Number (unsupported) 076

Debits, Processing Fee Amount (unsupported) 084

Debits, Reversal Amount (unsupported) 089

Debits, Reversal Number (unsupported) 077

Debits, Transaction Fee Amount (unsupported) 085

Expiration Date 014

Extended Payment Code (unsupported) 067

File Name 101

File Security Code (unsupported) 092

File Update Code 091

Forwarding Institution Country Code (unsupported) 021

Forwarding Institution Identification Code (unsupported) 033

Inquiry Number (unsupported) 080

Interchange Group Indicator 104

Issuer Trace Data 126

Issuer Transport Data 062

Large Private Data 1 105

Large Private Data 2 (unsupported) 106

Large Private Data 3 (unsupported) 107

Large Private Data 4 (unsupported) 108

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Bit Position

Member Institution/Merchant Name 048

Merchant Type 018

Message Authentication Code (MAC) (unsupported) 064

Message Authentication Code (unsupported) 128

Message Number (unsupported) 071

Message Number (unsupported) 072

Message Security Code 096

Message Type –

National Point-of-Service Condition Code 058

National Point-of-Service Geographic Data 059

Network International Identifier (unsupported) 024

Network Management Information 125

Network Management Information Code 070

Original Data Elements 090

PAN Extended Country Code (unsupported) 020

Payer/Payee Data 098

Personal Identification Number (PIN) Data 052

Point of Service Condition Code 025

Point of Service Entry Mode 022

Point of Service PIN Capture Code 026

Primary Account Number (PAN) 002

Primary Account Number (PAN), Extended (unsupported) 034

Processing Code 003

Receiving Institution Country Code (unsupported) 068

Receiving Institution ID Code 100

Replacement Amounts 095

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Bit Position

Replacement, Additional Fees 056

Reserved For ISO Use (unsupported) 109

Reserved For ISO Use (unsupported) 110

Reserved For National Use (unsupported) 112

Reserved For National Use (unsupported) 115

Reserved For National Use (unsupported) 116

Reserved For National Use (unsupported) 117

Reserved For National Use (unsupported) 118

Reserved For National Use (unsupported) 119

Response Code 039

Response Indicator (unsupported) 093

Retrieval Reference Number (Terminal Sequence #) 037

Security Related Control Information (unsupported) 053

Service Indicator (unsupported) 094

Service Restriction Code (unsupported) 040

Settlement Code (unsupported) 066

Settlement Date 015

Settlement Institution Country Code (unsupported) 069

Settlement Institution ID Code (unsupported) 099

Sponsor Bank ID 122

STAR Identification Data 063

System Trace Audit Number 011

Time, Local Transaction 012

Track 1 Data 045

Track 2 Data 035

Track 3 Data (unsupported) 036

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Table 5.1: Alphabetical Data Element List (cont.)


Element Description Bit Position

Transfer Number (unsupported) 078

Transfer, Reversal Number (unsupported) 079

Transmission Date & Time 007

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Format Options

Table 6.1: ASCII/EBCDIC Map and Numeric Field Packing


Variable Data
Alphanumerics Data Element Maps Numeric Fields Fields

ASCII Packed Maps Unpacked Numeric VAR LEN

ASCII Packed Maps Packed Numeric VAR LEN

ASCII Hex Maps Unpacked Numeric VAR LEN

ASCII Hex Maps Packed Numeric VAR LEN

EBCDIC Packed Maps Unpacked Numeric VAR LEN

EBCDIC Packed Maps Packed Numeric VAR LEN

EBCDIC Hex Maps Unpacked Numeric VAR LEN

EBCDIC Hex Maps Packed Numeric VAR LEN

ASCII/EBCDIC Table
Table 6.2: ASCII/EBCDIC Characters/Codes
dec hex binary ASCII EBCDIC

0 0x00 0000 0000 NUL Null NUL Null

1 0x01 0000 0001 SOH Start of Heading SOH Start of Heading


(CC)

2 0x02 0000 0010 STX Start of Text (CC) STX Start of Text

3 0x03 0000 0011 ETX End of Text (CC) ETX End of Text

4 0x04 0000 0100 EOT End of PF Punch Off


Transmission (CC)

5 0x05 0000 0101 ENQ Enquiry (CC) HT Horizontal Tab

6 0x06 0000 0110 ACK Acknowledge (CC) LC Lower Case

7 0x07 0000 0111 BEL Bell DEL Delete

8 0x08 0000 1000 BS Backspace (FE)

9 0x09 0000 1001 HT Horizontal


Tabulation (FE)

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

10 0x0A 0000 1010 LF Line Feed (FE) SMM Start of Manual


Message

11 0x0B 0000 1011 VT Vertical Tabulation VT Vertical Tab


(FE)

12 0x0C 0000 1100 FF Form Feed (FE) FF Form Feed

13 0x0D 0000 1101 CR Carriage Return CR Carriage Return


(FE)

14 0x0E 0000 1110 SO Shift Out SO Shift Out

15 0x0F 0000 1111 SI Shift In SI Shift In

16 0x10 0001 0000 DLE Data Link Escape DLE Data Link
(CC) Escape

17 0x11 0001 0001 DC1 Device Control 1 DC1 Device Control 1

18 0x12 0001 0010 DC2 Device Control 2 DC2 Device Control 2

19 0x13 0001 0011 DC3 Device Control 3 TM Tape Mark

20 0x14 0001 0100 DC4 Device Control 4 RES Restore

21 0x15 0001 0101 NAK Negative NL New Line


Acknowledge (CC)

22 0x16 0001 0110 SYN Synchronous Idle BS Backspace


(CC)

23 0x17 0001 0111 ETB End of IL Idle


Transmission Block
(CC)

24 0x18 0001 1000 CAN Cancel CAN Cancel

25 0x19 0001 1001 EM End of Medium EM End of Medium

26 0x1A 0001 1010 SUB Substitute CC Cursor Control

27 0x1B 0001 1011 ESC Escape CU1 Customer Use 1

28 0x1C 0001 1100 FS File Separator (IS) IFS Interchange File


Separator

29 0x1D 0001 1101 GS Group Separator IGS Interchange


(IS) Group Separator

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

30 0x1E 0001 1110 RS Record Separator IRS Interchange


(IS) Record
Separator

31 0x1F 0001 1111 US Unit Separator (IS) IUS Interchange Unit


Separator

32 0x20 0010 0000 SP Space DS Digit Select

33 0x21 0010 0001 ! Exclamation Point SOS Start of


Significance

34 0x22 0010 0010 " Quotation Mark FS Field Separator

35 0x23 0010 0011 # Number Sign,


Octothorp,
“pound”

36 0x24 0010 0100 $ Dollar Sign BYP Bypass

37 0x25 0010 0101 % Percent LF Line Feed

38 0x26 0010 0110 & Ampersand ETB End of


Transmission
Block

39 0x27 0010 0111 ' Apostrophe, Prime ESC Escape

40 0x28 0010 1000 ( Left Parenthesis

41 0x29 0010 1001 ) Right Parenthesis

42 0x2A 0010 1010 * Asterisk, “star” SM Set Mode

43 0x2B 0010 1011 + Plus Sign CU2 Customer Use 2

44 0x2C 0010 1100 , Comma

45 0x2D 0010 1101 - Hyphen, Minus ENQ Enquiry


Sign

46 0x2E 0010 1110 . Period, Decimal ACK Acknowledge


Point, “dot”

47 0x2F 0010 1111 / Slash, Virgule BEL Bell

48 0x30 0011 0000 0 0

49 0x31 0011 0001 1 1

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

50 0x32 0011 0010 2 2 SYN Synchronous


Idle

51 0x33 0011 0011 3 3

52 0x34 0011 0100 4 4 PN Punch On

53 0x35 0011 0101 5 5 RS Reader Stop

54 0x36 0011 0110 6 6 UC Upper Case

55 0x37 0011 0111 7 7 EOT End of


Transmission

56 0x38 0011 1000 8 8

57 0x39 0011 1001 9 9

58 0x3A 0011 1010 : Colon

59 0x3B 0011 1011 ; Semicolon CU3 Customer Use 3

60 0x3C 0011 1100 < Less-than Sign DC4 Device Control 4

61 0x3D 0011 1101 = Equal Sign NAK Negative


Acknowledge

62 0x3E 0011 1110 > Greater-than Sign

63 0x3F 0011 1111 ? Question Mark SUB Substitute

64 0x40 0100 0000 @ At Sign SP Space

65 0x41 0100 0001 A A

66 0x42 0100 0010 B B

67 0x43 0100 0011 C C

68 0x44 0100 0100 D D

69 0x45 0100 0101 E E

70 0x46 0100 0110 F F

71 0x47 0100 0111 G G

72 0x48 0100 1000 H H

73 0x49 0100 1001 I I

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

74 0x4A 0100 1010 J J ¢ Cent Sign

75 0x4B 0100 1011 K K . Period, Decimal


Point

76 0x4C 0100 1100 L L < Less-than Sign

77 0x4D 0100 1101 M M ( Left Parenthesis

78 0x4E 0100 1110 N N + Plus Sign

79 0x4F 0100 1111 O O

80 0x50 0101 0000 P P & Ampersand

81 0x51 0101 0001 Q Q

82 0x52 0101 0010 R R

83 0x53 0101 0011 S S

84 0x54 0101 0100 T T

85 0x55 0101 0101 U U

86 0x56 0101 0110 V V

87 0x57 0101 0111 W W

88 0x58 0101 1000 X X

89 0x59 0101 1001 Y Y

90 0x5A 0101 1010 Z Z ! Exclamation


Point

91 0x5B 0101 1011 [ Opening Bracket $ Dollar Sign

92 0x5C 0101 1100 \ Reverse Slant * Asterisk

93 0x5D 0101 1101 ] Closing Bracket ) Right


Parenthesis

94 0x5E 0101 1110 ^ Circumflex, Caret ; Semicolon

95 0x5F 0101 1111 _ Underline, Logical NOT


Underscore

96 0x60 0110 0000 ` Grave Accent - Hyphen, Minus


Sign

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

97 0x61 0110 0001 a a / Slash, Virgule

98 0x62 0110 0010 b b

99 0x63 0110 0011 c c

100 0x64 0110 0100 d d

101 0x65 0110 0101 e e

102 0x66 0110 0110 f f

103 0x67 0110 0111 g g

104 0x68 0110 1000 h h

105 0x69 0110 1001 i i

106 0x6A 0110 1010 j j | Logical OR

107 0x6B 0110 1011 k k , Comma

108 0x6C 0110 1100 l l % Percent

109 0x6D 0110 1101 m m _ Underline,


Underscore

110 0x6E 0110 1110 n n > Greater-than


Sign

111 0x6F 0110 1111 o o ? Question Mark

112 0x70 0111 0000 p p

113 0x71 0111 0001 q q

114 0x72 0111 0010 r r

115 0x73 0111 0011 s s

116 0x74 0111 0100 t t

117 0x75 0111 0101 u u

118 0x76 0111 0110 v v

119 0x77 0111 0111 w w

120 0x78 0111 1000 x x

121 0x79 0111 1001 y y

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

122 0x7A 0111 1010 z z : Colon

123 0x7B 0111 1011 { Opening Brace # Number Sign,


Octothorp,
“pound”

124 0x7C 0111 1100 | Vertical Line @ At Sign

125 0x7D 0111 1101 } Closing Brace ' Apostrophe,


Prime

126 0x7E 0111 1110 ~ Tilde = Equal Sign

127 0x7F 0111 1111 DEL Delete " Quotation Mark

128 0x80 1000 0000 Reserved

129 0x81 1000 0001 Reserved a a

130 0x82 1000 0010 Reserved b b

131 0x83 1000 0011 Reserved c c

132 0x84 1000 0100 IND Index (FE) d d

133 0x85 1000 0101 NEL Next Line (FE) e e

134 0x86 1000 0110 SSA Start of Selected f f


Area

135 0x87 1000 0111 ESA End of Selected g g


Area

136 0x88 1000 1000 HTS Horizontal h h


Tabulation Set (FE)

137 0x89 1000 1001 HTJ Horizontal i i


Tabulation with
Justification (FE)

138 0x8A 1000 1010 VTS Vertical Tabulation


Set (FE)

139 0x8B 1000 1011 PLD Partial Line Down


(FE)

140 0x8C 1000 1100 PLU Partial Line Up (FE)

141 0x8D 1000 1101 RI Reverse Index (FE)

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

142 0x8E 1000 1110 SS2 Single Shift Two


(1)

143 0x8F 1000 1111 SS3 Single Shift Three


(1)

144 0x90 1001 0000 DCS Device Control


String (2)

145 0x91 1001 0001 PU1 Private Use One j j

146 0x92 1001 0010 PU2 Private Use Two k k

147 0x93 1001 0011 STS Set Transmit State l l

148 0x94 1001 0100 CCH Cancel Character m m

149 0x95 1001 0101 MW Message Waiting n n

150 0x96 1001 0110 SPA Start of Protected o o


Area

151 0x97 1001 0111 EPA End of Protected p p


Area

152 0x98 1001 1000 Reserved q q

153 0x99 1001 1001 Reserved r r

154 0x9A 1001 1010 Reserved

155 0x9B 1001 1011 CSI Control Sequence


Introducer (1)

156 0x9C 1001 1100 ST String Terminator


(2)

157 0x9D 1001 1101 OSC Operating System


Command (2)

158 0x9E 1001 1110 PM Privacy Message


(2)

159 0x9F 1001 1111 APC Application


Program Command
(2)

160 0xA0 1010 0000

161 0xA1 1010 0001 ~ Tilde

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

162 0xA2 1010 0010 s s

163 0xA3 1010 0011 t t

164 0xA4 1010 0100 u u

165 0xA5 1010 0101 v v

166 0xA6 1010 0110 w w

167 0xA7 1010 0111 x x

168 0xA8 1010 1000 y y

169 0xA9 1010 1001 z z

170 0xAA 1010 1010

171 0xAB 1010 1011

172 0xAC 1010 1100

173 0xAD 1010 1101

174 0xAE 1010 1110

175 0xAF 1010 1111

176 0xB0 1011 0000

177 0xB1 1011 0001

178 0xB2 1011 0010

179 0xB3 1011 0011

180 0xB4 1011 0100

181 0xB5 1011 0101

182 0xB6 1011 0110

183 0xB7 1011 0111

184 0xB8 1011 1000

185 0xB9 1011 1001 ` Grave Accent

186 0xBA 1011 1010

187 0xBB 1011 1011

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

188 0xBC 1011 1100

189 0xBD 1011 1101

190 0xBE 1011 1110

191 0xBF 1011 1111

192 0xC0 1100 0000 { Opening Brace

193 0xC1 1100 0001 A A

194 0xC2 1100 0010 B B

195 0xC3 1100 0011 C C

196 0xC4 1100 0100 D D

197 0xC5 1100 0101 E E

198 0xC6 1100 0110 F F

199 0xC7 1100 0111 G G

200 0xC8 1100 1000 H H

201 0xC9 1100 1001 I I

202 0xCA 1100 1010

203 0xCB 1100 1011

204 0xCC 1100 1100

205 0xCD 1100 1101

206 0xCE 1100 1110

207 0xCF 1100 1111

208 0xD0 1101 0000 } Closing Brace

209 0xD1 1101 0001 J J

210 0xD2 1101 0010 K K

211 0xD3 1101 0011 L L

212 0xD4 1101 0100 M M

213 0xD5 1101 0101 N N

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

214 0xD6 1101 0110 O O

215 0xD7 1101 0111 P P

216 0xD8 1101 1000 Q Q

217 0xD9 1101 1001 R R

218 0xDA 1101 1010

219 0xDB 1101 1011

220 0xDC 1101 1100

221 0xDD 1101 1101

222 0xDE 1101 1110

223 0xDF 1101 1111

224 0xE0 1110 0000 \ Reverse Slant

225 0xE1 1110 0001

226 0xE2 1110 0010 S S

227 0xE3 1110 0011 T T

228 0xE4 1110 0100 U U

229 0xE5 1110 0101 V V

230 0xE6 1110 0110 W W

231 0xE7 1110 0111 X X

232 0xE8 1110 1000 Y Y

233 0xE9 1110 1001 Z Z

234 0xEA 1110 1010

235 0xEB 1110 1011

236 0xEC 1110 1100

237 0xED 1110 1101

238 0xEE 1110 1110

239 0xEF 1110 1111

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Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)


dec hex binary ASCII EBCDIC

240 0xF0 1111 0000 0 0

241 0xF1 1111 0001 1 1

242 0xF2 1111 0010 2 2

243 0xF3 1111 0011 3 3

244 0xF4 1111 0100 4 4

245 0xF5 1111 0101 5 5

246 0xF6 1111 0110 6 6

247 0xF7 1111 0111 7 7

248 0xF8 1111 1000 8 8

249 0xF9 1111 1001 9 9

250 0xFA 1111 1010

251 0xFB 1111 1011

252 0xFC 1111 1100

253 0xFD 1111 1101

254 0xFE 1111 1110

255 0xFF 1111 1111

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Check Digit Calculation

Modulus 10 Check-Digit Routine


Sum the 3-7-1 Weighted Products

Step 1: Multiply the 1st, 4th, and 7th digits by 3.

Step 2: Multiply the 2nd, 5th, and 8th digits by 7.

Step 3: Multiply the 3rd and 6th digits by 1.

Step 4: Add the products of all multiplications.

Step 5: Subtract the sum of the products from the next highest or equal multiple of 10. The
remainder is the check digit. Zero is a valid check digit.

Example

To find the value of the check digit (X) using the example ABA 12210001X:

Finding the value of the check digit (X) - Modulus 10

Steps 1 2 2 1 0 0 0 1 Number (FRD-ABA)


1, 2, 3:
×3 ×7 ×1 ×3 ×7 ×1 ×3 ×7 3-7-1 Weight Factors

Step 4: 3 + 14 +2 +3 +0 +0 +0 +7 Sum of Products = 29

Step 5: Next highest number to sum that is multiple of 10: 30

30 - 29 = 1

Mod 10 check digit = 1

Complete Number (with check digit): 1 2 2 1 0 0 0 1 1

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Luhn Formula
Used for computing a modulus 10 “double-add-double” check digit.

Luhn Formula Calculation

Step 1: Double the value of alternate digits beginning with the first right-hand digit (low
order).

Step 2: Add the individual digits that make up the products obtained in Step 1 to the
unaffected digits in the original number.

Step 3: Subtract the total obtained in Step 2 from the next higher number ending in 0. This
is the equivalent of calculating the “tens complement” of the low order digit (unit
digit) of the total.

If the total obtained in Step 2 is a number ending in zero (30, 40, etc.), the check
digit is 0.

Example
To find the value of the check digit (X) using the example account number
4992 73 9871 X:

Finding the value of the check digit (X) - Luhn Formula

Step 1: 4 9 9 2 7 3 9 8 7 1

×2 ×2 ×2 ×2 ×2

18 4 6 16 2

Step: 2 4 + 1+8 + 9 +4 +7 +6 +9 + 1+6 +7 +2 = 64

Step 3: Next highest number ending in 0: 70

70 - 64 = 6

Luhn check digit = 6

Complete Number (with check digit): 4 9 9 2 7 3 9 8 7 1 6

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Data Element 003: Processing Codes

Note
See the STAR ISO 8583 Gateway/Product Interface Guide for
additional processing codes that are supported due to participation in
other networks.

ATM

Mandatory (Issuer/Acquirer)
Table 7.1: ATM Mandatory Proc Codes
Description ISO Proc Code Message Notes

Cash Withdrawal from FND 01 00 00 02xx, 04xx

Cash Withdrawal from SAV 01 10 00 02xx, 04xx

Cash Withdrawal from DDA 01 20 00 02xx, 04xx

Cash Advance 01 30 00 02xx, 04xx

Balance Inquiry from SAV 31 10 00 02xx

Balance Inquiry from DDA 31 20 00 02xx

Balance Inquiry from CRD 31 30 00 02xx

Transfer from SAV to DDA 40 10 20 02xx, 04xx

Transfer from DDA to SAV 40 20 10 02xx, 04xx

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Optional (Issuer/Acquirer)
Table 7.2: ATM Optional Proc Codes
Description ISO Proc Code Message Notes

Cash Withdrawal from OTH 01 09 00 02xx, 04xx

Deposit to SAV 21 00 10 02xx, 04xx

Deposit to DDA 21 00 20 02xx, 04xx

Deposit to OTH 21 00 09 02xx, 04xx

Balance Inquiry from FND 31 00 00 02xx

Balance Inquiry from OTH 31 09 00 02xx

Account List Inquiry from SAV 35 10 00 0100, 0110 STAR NE Platform only.

Account List Inquiry from DDA 35 20 00 0100, 0110 STAR NE Platform only.

Account List Inquiry from CRD 35 30 00 0100, 0110 STAR NE Platform only.

Account List Inquiry from OTH 35 09 00 0100, 0110 STAR NE Platform only.

Account Balance Profile 39 00 00 02xx STAR NE Platform only.

Transfer from OTH to SAV 40 09 10 02xx, 04xx

Transfer from OTH to DDA 40 09 20 02xx, 04xx

Transfer from OTH to CRD 40 09 30 02xx, 04xx

Transfer from OTH to OTH 40 09 09 02xx, 04xx

Transfer from SAV to SAV 40 10 10 02xx, 04xx

Transfer from SAV to OTH 40 10 09 02xx, 04xx

Transfer from DDA to OTH 40 20 09 02xx, 04xx

Transfer from DDA to DDA 40 20 20 02xx, 04xx

Transfer from CRD to OTH 40 30 09 02xx, 04xx

Transfer from SAV to CRD 40 10 30 02xx, 04xx

Transfer from DDA to CRD 40 20 30 02xx, 04xx

Transfer from CRD to DDA 40 30 20 02xx, 04xx

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Table 7.2: ATM Optional Proc Codes (cont.)


Description ISO Proc Code Message Notes

Bill Payment from FND 50 00 00 02xx, 04xx STAR NE Platform only.

Bill Payment from SAV 50 10 00 02xx, 04xx STAR NE Platform only.

Bill Payment from DDA 50 20 00 02xx, 04xx STAR NE Platform only.

Bill Payment from CRD 50 30 00 02xx, 04xx STAR NE Platform only.

Bill Payment from OTH 50 09 00 02xx, 04xx STAR NE Platform only.

Electronic Payment from SAV to 58 10 30 02xx, 04xx STAR NE Platform only.


CRD

Electronic Payment from SAV to 58 10 09 02xx, 04xx STAR NE Platform only.


OTH

Electronic Payment from DDA to 58 20 30 02xx, 04xx STAR NE Platform only.


CRD

Electronic Payment from DDA to 58 20 09 02xx, 04xx STAR NE Platform only.


OTH

Electronic Payment from CRD to 58 30 30 02xx, 04xx STAR NE Platform only.


CRD

Electronic Payment from OTH to 58 09 30 02xx, 04xx STAR NE Platform only.


CRD

Electronic Payment from CRD to 58 30 09 02xx, 04xx STAR NE Platform only.


OTH

Payment Enclosed 59 00 00 02xx, 04xx STAR NE Platform only.

Statement from SAV 91 10 00 0200, 0210 STAR NE Platform only.

Statement from DDA 91 20 00 0200, 0210 STAR NE Platform only.

Statement from CRD 91 30 00 0200, 0210 STAR NE Platform only.

Statement from OTH 91 09 00 0200, 0210 STAR NE Platform only.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 7: Data Element 003: Processing Codes 240

Point of Sale

Mandatory (Card-Issuer Processor Only)


Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor
Description ISO Proc Code Message Notes

Purchase from FND 00 00 00 02xx, 04xx

Purchase from SAV 00 10 00 02xx, 04xx

Purchase from DDA 00 20 00 02xx, 04xx

Purchase from CRD 00 30 00 02xx, 04xx

Purchase Pre-authorization FND 00 00 00 01xx, 04xx When the original


transaction request was
from funding, positions 3
and 4 (debit) or 5 and 6
(credit) may be modified
by the Issuer in the 0110
and 0210 message
response.

Purchase Pre-authorization SAV 00 10 00 01xx, 04xx

Purchase Pre-authorization DDA 00 20 00 01xx, 04xx

Purchase Pre-authorization CRD 00 30 00 01xx, 04xx

Pre-authorized purchase 00 00 00 022x, 042x


completion FND

Pre-authorized purchase 00 10 00 022x, 042x


completion SAV

Pre-authorized purchase 00 20 00 022x, 042x


completion DDA

Pre-authorized purchase 00 30 00 022x, 042x


completion CRD

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 7: Data Element 003: Processing Codes 241

Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor (cont.)


Description ISO Proc Code Message Notes

Merchandise Correction to FND 20 00 00 02xx, 04xx ■ See STAR Network


Operating Rules for
restrictions on these
processing codes.

■ When the original


transaction request was
from funding, positions
3 and 4 (debit) or 5 and
6 (credit) may be
modified by the Issuer
in the 0110 and 0210
message response.

Merchandise Correction to SAV 20 00 10 02xx, 04xx See STAR Network


Operating Rules for
Merchandise Correction to DDA 20 00 20 02xx, 04xx restrictions on these
processing codes.
Merchandise Correction to CRD 20 00 30 02xx, 04xx

Balance Inquiry 31 00 00 02xx ■ See STAR Network


from FND Operating Rules for
restrictions on these
processing codes.

■ When the original


transaction request was
from funding, positions
3 and 4 (debit) or 5 and
6 (credit) may be
modified by the Issuer
in the 0110 and 0210
message response.

Balance Inquiry 31 10 00 02xx


from SAV

Balance Inquiry 31 20 00 02xx


from DDA

Balance Inquiry from CRD 31 30 00 02xx

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 7: Data Element 003: Processing Codes 242

Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor (cont.)


Description ISO Proc Code Message Notes

Payment to Third Party from 50 00 00 02xx, 04xx


FND

Payment to Third Party from SAV 50 10 00 02xx, 04xx

Payment to Third Party from 50 20 00 02xx, 04xx


DDA

Payment to Third Party from 50 30 00 02xx, 04xx


CRD

Payment/Funds Transfer (Credit) 56 00 00 02xx When the original


transaction request was
from funding, positions 3
and 4 (debit) or 5 and 6
(credit) may be modified
by the Issuer in the 0110
and 0210 message
response.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 7: Data Element 003: Processing Codes 243

Mandatory (Acquirer Only)


Table 7.4: POS Mandatory Proc Codes – Acquirer
Description ISO Proc Code Message Notes

Stand-alone Purchase from FND 00 00 00 020x, 022x, When the original


042x transaction request was
from funding, positions 3
and 4 (debit) or 5 and 6
(credit) may be modified
by the Issuer in the 0110
and 0210 message
response.

Purchase Pre-authorization 00 00 00 01xx, 04xx Mandatory if fuel


dispense transaction is
Pre-authorized Purchase 00 00 00 022x, 042x initiated at the pump.
Completion

Optional
Table 7.5: POS Optional Proc Codes
Description ISO Proc Code Message Notes

Purchase to OTH 00 09 00 02xx, 04xx

Purchase Pre-authorization to 00 09 00 01xx, 04xx


OTH

Cash Withdrawal from FND 01 00 00 01xx, 02xx,


(01xx not settled) 04xx

Cash Advance (not settled) 01 30 00 01xx, 04xx Currently not supported


in STAR (Visa-supported).

Merchandise Correction to OTH 20 00 09 02xx, 04xx

Balance Inquiry to OTH 31 09 00 02xx, 04xx Optional for financial


institutions participating
as Card-Issuer with
Cirrus.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8 244

Data Element 018: Merchant Type

This Chapter lists Merchant Type codes (also known as Merchant Category
codes or SIC codes). The first table is in numerical order; the table beginning
on page 276 gives an alphabetical listing.

Merchant Type Codes - Numerical Order


Table 8.1: Merchant Type Codes – Numerical Order
Code Description

0742 Veterinary Services

0763 Agricultural Cooperatives

0780 Horticultural and Landscaping Services

1520 General Contractors—Residential and Commercial

1711 Air Conditioning, Heating, and Plumbing Contractors

1731 Electrical Contractors

1740 Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors

1750 Carpentry Contractors

1761 Roofing and Siding, Sheet Metal Work Contractors

1771 Concrete Work Contractors

1799 Contractors, Special Trade—not elsewhere classified

2741 Miscellaneous Publishing and Printing*

2791 Typesetting, Plate Making, and Related Services*

2842 Sanitation, Polishing, and Specialty Cleaning Preparations

3000 United Airlines—UNITED

3001 American Airlines—AMERICAN

3002 Pan American—PAN AM AIR

3003 Eurofly Air

3004 Dragon Airlines - Dragonair

3005 British Airways—BRITISH AWYS

3006 Japan Air Lines—JAL

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 245

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3007 Air France—AIR FRAN

3008 Lufthansa—LUFTHAN

3009 Air Canada—AIR CANA

3010 Royal Dutch Airlines (KLM)—KLM

3011 Aeroflot—AEROFLOT

3012 Qantas—QANTAS

3013 Alitalia—ALITALIA

3014 Saudi Arabian Airlines—SAUDI AI

3015 Swiss International Airlines—SWISSINTLAIR

3016 Scandinavian Airline System (SAS)—SAS

3017 South African Airways—SAFRICAN

3018 Varig (Brazil)—VARIG

3019 Germanwings—GRMNWNGSAIR

3020 Air India—AIR-INDI

3021 Air Algerie—AIRALGER

3022 Philippine Airlines—PAL AIR

3023 Mexicana—MEXICANA

3024 Pakistan International—PAKISTAN

3025 Air New Zealand Limited International—AIR NZ

3026 Emirates Airlines—EMIRATES

3027 Union de Transports Aeriens—UTAAIR

3028 Air Malta—AIRMALTA

3029 SN Brussels Airlines—SN BRUSSELS

3030 Aerolineas Argentinas—AERO ARG

3031 Olympic Airways—OLYMPICA

3032 El Al—EL AL

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 246

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3033 Ansett Airlines—ANSETT

3034 Etihad Airways-ETIHADAIR

3035 Tap (Portugal)—TAP

3036 VASP (Brazil)—VASP

3037 EgyptAir—EGYPTAIR

3038 Kuwait Airways—KUWAIT

3039 Avianca—AVIANCA

3040 Gulf Air (Bahrain)—GULF AIR

3041 Balkan—Bulgarian Airlines—BALKAN

3042 Finnair—FINNAIR

3043 Aer Lingus—AERLING

3044 Air Lanka—AIR LANKA

3045 Nigeria Airways—NIGERIA

3046 Cruzerio do Sul (Brazil)—CRUZERIO

3047 THY (Turkey)—THY

3048 Royal Air Maroc—AIRMARO

3049 Tunis Air—TUNIS AI

3050 Icelandair—ICELANDA

3051 Austrian Airlines—AUSTRIAN

3052 LAN Airlines - LAN AIR

3053 AVIACO (Spain)—AVIACO

3054 LADECO (Chile)—LADECO

3055 LAB (Bolivia)—LAB

3058 Delta—DELTA

3059 DBA Airlines—DBA AIR

3060 Northwest Airlines—NWA AIR

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 247

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3061 Continental—CONTINEN

3062 Hapag - Lloyd Express Airlines—HLX AIR

3063 U.S. Airways—USAIRWYS

3064 Adria Airways—ADRIA AIR

3065 Air Inter—AIRINTER

3066 Southwest Airlines—SOUTHWES

3067 Vanguard Airlines—VANGUARD

3068 Air Astana – AIR ASTANA

3071 Air British Columbia—AIR B R C

3072 CEBU PAC - CEBU Pacific Airlines

3075 Singapore Airlines—SINGAPOR

3076 Aeromexico—AEROMEXI

3077 Thai Airways—THAIAIRW

3078 China Airlines—CHINAAIR

3079 Jetstar Airways—JETSTAR

3082 Korean Airlines—KOREAN

3083 Air Afrique—AIRAFRIQUE

3084 Eva Airways—EVA AIR

3085 Midwest Express Airlines—MIDWEST EXP

3087 Metro Airlines—METROAI

3088 Croatia Air—CROATIA AIR

3089 Transaero—TRANSAERO

3090 Uni Airways—UNIAIR

3094 Zambia Airways—ZAMBIA A

3096 Air Zimbabwe—AIRZIMBA

3097 Spanair—SPANAIR

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 248

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3098 Asiana Airlines—ASIANA AIR

3099 Cathay Pacific—CATHAYPA

3100 Malaysian Airline System—MALAY AI

3102 Iberia—IBERIA

3103 Garuda (Indonesia)—GARUDA

3106 Braathens S.A.F.E. (Norway)—BRAATHEN

3111 British Midland—BRITISH M

3112 Windward Island—WINDWARD

3117 Venezolana International de Aviacion—VIASA

3125 Tan Airlines—TAN AIR

3127 Taca International—TACA INT

3129 Surinam Airways—SURINAM

3130 Sunworld International Airways—SUNWORLD

3131 VLM Airlines—VLM

3132 Frontier Airlines—FRONTIERAIR

3135 Sudan Airways—SUDANAIR

3136 Qatar Airways Company W.L.L.—QATAR AIR

3144 Virgin Atlantic—VIR ATL

3146 Luxair—LUXAIR

3148 Air Littoral, S.A.—LITTORAL

3151 Air Zaire—AIRZAIRE

3156 GO FLY Ltd.—GOFLY

3159 Provincetown-Boston Airways—PBA

3161 All Nippon Airways—ANAAIR

3164 Norontair—NORONTAI

3167 Aero Continente—AEROCONTINENTE

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 249

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3171 Canadian Airlines—CANADIAN

3172 Nation Air—NATIONAI

3174 JetBlue Airways—JETBLUE

3175 Middle East Air—MIDEASTA

3177 AirTran Airways—AIRTRANAIR

3178 Mesa Air—MESA AIR

3181 Malev Hungarian Airlines—MALEV

3182 LOT - Polish Airlines—LOT

3184 LIAT—LIAT

3185 LAV Linea Aeropostal Venezolana—LAV

3186 LAP Lineas Aereas Paraguayas—LAP

3187 LACSA (Costa Rica)—LACSA

3190 Jugoslav Air—JUGOSLAV

3191 Island Airlines—ISLANDAI

3192 Iran Air—IRANAIR

3193 Indian Airlines—INDIAN A

3196 Hawaiian Air—HAWAIIAN

3197 Havasu Airlines—HAVASUAI

3200 Guyana Airways—GUYANA A

3204 Freedom Airlines—FREEDOM

3206 China Eastern Airlines—CHINEASTAIR

3211 Norwegian Air Shuttle—NORWEGIANAIR

3212 Dominicana de Aviacion—DOMINICA

3213 Malmo Aviation—MALMO AIR

3217 CSA Ceskoslovenske Aerolinie—CSA

3219 Compania Panamena de Aviacion (Copa)—COPA

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 250

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3220 Compania Faucett—COMPANIA

3221 Transportes Aeros Militares Ecuatorianos—TAME AIR

3222 Command Airways—COMMAND

3223 Comair—COMAIR

3226 Skyways Air

3228 Cayman Airways—CAYMANAI

3229 SAETA (Sociedad Ecuatorianas De Transportes Aereo)—SAETAAIR

3231 SAHSA (Servicio Aero de Honduras)—SAHSA

3234 Caribbean Airlines – CARIBBEANAIR

3236 Air Arabia Airline—AIR ARABIA

3239 Bar Harbor Airlines—BARHARBO

3240 Bahamasair—BAHAMASA

3241 Aviateca (Guatemala)—AVIATECA

3242 Avensa—AVENSA

3243 Austrian Air Service—AUSTRAIR

3245 EasyJet Airlines—EASYJET AIR

3246 Ryanair

3247 Gol Airlines—GOL AIR

3248 Tam Airlines—TAM AIR

3252 ALM Antilean Airlines—ALM

3253 America West—AMERWEST

3256 Alaska Airlines Inc.—ALASKA A

3260 Spirit Airlines—SPIRIT AIR

3261 Air China—AIR CHINA

3263 Aero Servicio Carabobo—ASC AIRLINE

3266 Air Seychelles—AIR SEYC

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 251

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3267 Air Panama International—AIR PANA

3280 Air Jamaica—AIR JAMA

3282 Air Djibouti—AIR DJIB

3285 Aero Peru—AEROPERU

3286 Aero. Nicaraguenses—AERO NIC

3287 Aero Coach Aviation—AEROCOAC

3292 Cyprus Airways—CYPRUSA

3293 Ecuatoriana—ECUATORI

3294 Ethiopian Airlines—ETHIOPIA

3295 Kenya Airways—KENYAAIR

3296 Air Berlin - AIR BERLIN

3297 Tarom Romanian Air Transport—TAROM AIR

3298 Air Mauritius—AIRMAURI

3299 Wideroes Flyveselskap—WIDEROES

3351 Affiliated Auto Rental

3352 American International

3353 Brooks Rent A Car

3354 Action Auto Rental

3355 SIXT Car Rental

3357 Hertz

3359 Payless Car Rental

3360 Snappy Car Rental

3361 Airways Rent-A-Car

3362 Altra Auto Rental

3364 Agency Rent-A-Car

3366 Budget Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 252

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3368 Holiday Rent-A-Car

3370 Rent A Wreck

3374 Accent Rent-A-Car

3376 Ajax Rent-A-Car

3380 Triangle Rent A Car

3381 Europ Car

3385 Tropical Rent-A-Car

3386 Showcase Rental Cars

3387 Alamo Rent-A-Car

3389 Avis Rent A Car

3390 Dollar Rent A Car

3391 Europe By Car

3393 National Car Rental

3394 Kemwell Group Rent-A-Car

3395 Thrifty Car Rental

3396 Tilden Rent-A-Car

3398 Econo Car Rent-A-Car

3400 Auto Host Car Rental

3405 Enterprise Rent-A-Car

3409 General Rent-A-Car

3412 A1 Rent-A-Car

3420 ANSA International

3421 Allstate Rent-A-Car

3423 Avcar Rent-A-Car

3425 Automate Rent-A-Car

3427 Avon Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 253

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3428 Carey Rent-A-Car

3429 Insurance Rent-A-Car

3430 Major Rent-A-Car

3431 Replacement Rent-A-Car

3432 Reserve Rent-A-Car

3433 Ugly Duckling Rent-A-Car

3434 USA Rent-A-Car

3435 Value Rent-A-Car

3436 Autohansa Rent-A-Car

3438 Interent Rent-A-Car

3439 Milleville Rent-A-Car

3441 Advantage Rent A Car

3501 Holiday Inns

3502 Best Western Hotels

3503 Sheraton (Sheraton Hotels)

3504 Hilton Hotels

3505 Forte Hotels

3506 Golden Tulip Hotels

3507 Friendship Inns

3508 Quality Inns

3509 Marriott

3510 Days Inns

3511 Arabella Hotels

3512 Intercontinental Hotels

3513 Westin (Westin Hotels)

3514 Amerisuites

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 254

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3515 Rodeway Inns

3516 LaQuinta Inns

3517 Americana Hotels

3518 Sol Hotels

3519 Pullman International Hotels

3520 Meridien Hotels

3522 Tokyo Hotel

3523 Peninsula Hotels

3524 WelcomGroup Hotels

3525 Dunfey Hotels

3526 Prince Hotels

3527 Downtowner Passport

3528 Red Lion Inns

3529 CP (Canadian Pacific) Hotels

3530 Renaissance Hotels

3531 Kauai Coconut Beach Resort—KAUAI COCONUT BEACH RSRT

3532 Royal Kona Resort

3533 Hotel Ibis

3534 Southern Pacific Hotel (Hotel)

3535 Hilton International

3536 AMFAC Hotels

3537 ANA Hotels

3538 Concorde Hotels

3539 Summerfield Suites Hotel

3540 Iberotel Hotels

3541 Hotel Okura

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 255

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3542 Royal Hotels

3543 Four Seasons Hotels

3544 Ciga Hotels

3545 Shangri-La International

3546 Hotel Sierra

3547 Breakers Resort (Hotel)

3548 Hotels Melia

3549 Auberge des Governeures

3550 Regal 8 Inns

3551 Mirage Hotel and Casino

3552 Coast Hotel

3553 Park Inns International

3554 Pinehurst Resort

3555 Treasure Island Hotel and Casino

3556 Barton Creek Resort

3557 Manhattan East Suite Hotels

3558 Jolly Hotels

3559 Candlewood Suites

3560 Aladdin Resort and Casino

3561 Golden Nugget

3562 Comfort Inns

3563 Journey’s End Motels

3564 Sam’s Town Hotel and Casino

3565 Relax Inns

3566 Garden Place Hotel

3567 Soho Grand Hotel

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 256

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3568 Ladbroke Hotels

3569 Tribeca Grand Hotel

3570 Forum Hotels

3571 Grand Wailea Resort

3572 Miyako Hotel

3573 Sandman Hotels

3574 Venture Inn

3575 Vagabond Hotels

3576 LaQuinta Resort

3577 Mandarin Oriental Hotels

3578 Frankenmuth Bavarian

3579 Hotel Mercure

3580 Hotel Del Coronado

3581 Delta Hotels

3582 California Hotel and Casino

3583 SAS Hotels

3584 Princess Hotels International

3585 Hungar Hotels

3586 Sokos Hotel

3587 Doral Hotels

3588 Helmsley Hotels

3589 Doral Golf Resort

3590 Fairmont Hotels

3591 Sonesta Hotels

3592 Omni Hotels

3593 Cunard Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 257

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3594 Arizona Biltmore

3595 Hospitality Inns

3596 Wynn Las Vegas

3597 Riverside Resort Hotel and Casino

3598 Regent International Hotel

3599 Pannonia Hotels

3600 Saddlebrook Resort—Tampa

3601 Trade Winds Resorts

3602 Hudson Hotel

3603 Noah’s Hotel

3604 Hilton Garden Inn

3605 Jurys Doyle Hotel Group

3606 Jefferson Hotel

3607 Fontainebleau Resorts

3608 Gaylord Opryland (Hotel)

3609 Gaylord Palms (Hotel)

3610 Gaylord Texan (Hotel)

3611 C MON INN (Hotel)

3612 Movenpick Hotels

3613 Microtel Inns & Suites (Hotel)

3614 AmericInn (Hotel)

3615 Travelodge

3616 Hermitage Hotel

3617 America’s Best Value Inn (Hotel)

3618 Great Wolf (Hotel)

3619 aloft (Hotel)

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 258

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3620 Binion’s Horseshoe Club

3621 Extended Stay (Hotel)

3622 Merlin Hotel Group

3623 Dorint Hotels

3624 Lady Luck Hotel and Casino

3625 Hotel Universale

3626 Studio Plus (Hotel)

3627 Extended Stay America (Hotel)

3628 Excalibur Hotel and Casino

3629 Dan Hotels

3630 Extended Stay Deluxe (Hotel)

3631 Sleep Inns

3632 Phoenician (Hotel)

3633 Rank Hotels

3634 Swissotel

3635 Reso Hotel

3636 Sarova Hotels

3637 Ramada Inns

3638 Howard Johnson

3639 Mount Charlotte Thistle

3640 Hyatt Hotels

3641 Sofitel Hotels

3642 Novotel Hotels

3643 Steigenberger Hotels

3644 EconoLodges

3645 Queens Moat Houses

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 259

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3646 Swallow Hotels

3647 Husa Hotels

3648 De Vera Hotels

3649 Radisson Hotels

3650 Red Roof Inns

3651 Imperial London Hotels

3652 Embassy Hotels

3653 Penta Hotels

3654 Loews Hotels

3655 Scandic Hotels

3656 Sara Hotels

3657 Oberoi Hotels

3658 Otani Hotels

3659 Taj Hotels International

3660 Knights Inn

3661 Metropole Hotels

3662 Circus Hotel and Casino

3663 Hoteles El Presidente

3664 Flag Inns

3665 Hampton Inn Hotels

3666 Stakis Hotels

3667 Luxor Hotel and Casino

3668 Maritim Hotels

3669 Eldorado Hotel and Casino

3670 Arcade Hotels

3671 Arctia Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 260

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3672 Campanile Hotels

3673 IBUSZ Hotels

3674 Rantasipi Hotels

3675 Interhotel CEDOK

3676 Monte Carlo Hotel and Casino

3677 Climat de France Hotels

3678 Cumulus Hotels

3679 Silver Legacy Hotel and Casino

3680 Hoteis Othan

3681 Adams Mark Hotels

3682 Sahara Hotel and Casino

3683 Bradbury Suites

3684 Budget Hosts Inns

3685 Budgetel Inns

3686 Susse Chalet

3687 Clarion Hotels

3688 Compri Hotels

3689 Consort Hotels

3690 Courtyard by Marriott (Hotel)

3691 Dillon Inn

3692 Doubletree Hotels

3693 Drury Inn

3694 Economy Inns of America

3695 Embassy Suites

3696 Excel Inn

3697 Fairfield Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 261

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3698 Harley Hotels

3699 Midway Motor Lodge

3700 Motel 6

3701 La Mansion Del Rio

3702 Registry Hotels (Hotel)

3703 Residence Inn

3704 Royce Hotels

3705 Sandman Inn

3706 Shilo Inn

3707 Shoney’s Inn

3708 Virgin River Hotel and Casino

3709 Super 8 Motels

3710 The Ritz-Carlton

3711 Flag Inns (Australia)

3712 Buffalo Bill’s Hotel and Casino

3713 Quality Pacific Hotel

3714 Four Seasons (Australia) Hotels

3715 Fairfield Inn

3716 Carlton Hotels

3717 City Lodge Hotels

3718 Karos Hotels

3719 Protea Hotels

3720 Southern Sun Hotels

3721 Conrad Hotels

3722 Wyndham—WYNDHAM

3723 Rica Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 262

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3724 Inter Nor Hotels

3725 Sea Pines Resort

3726 Rio Suites

3727 Broadmoor Hotel

3728 Ballys Hotel and Casino

3729 John Ascuagas Nugget

3730 MGM Grand Hotel

3731 Harrahs Hotels and Casinos

3732 Opryland Hotel

3734 Harvey Bristol Hotels

3735 Masters Economy Inns

3736 Colorado Belle Edgewater Resort

3737 Riviera Hotel and Casino

3738 Tropicana Resort and Casino

3739 Woodside Hotels and Resorts

3740 TownePlace Suites

3741 Millennium Broadway Hotel

3742 Club Med

3743 Biltmore Hotel and Suites

3744 Carefree Resorts

3745 St. Regis Hotel

3746 Eliot Hotels

3747 Club Corp/Club Resorts

3748 Wellesley Inns

3749 Beverly Hills Hotel (Hotel)

3750 Crowne Plaza Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 263

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3751 Homewood Suites

3752 Peabody Hotels

3753 Greenbriar Resorts

3754 Amelia Island Plantation

3755 Homestead (Hotel)

3757 Canyon Ranch

3758 Kahala Mandarin Oriental Hotel

3759 The Orchid at Mauna Lani (Hotel)

3760 Halekulani Hotel/Waikiki Parc

3761 Primadonna Hotel and Casino

3762 Whiskey Pete’s Hotel and Casino

3763 Chateau Elan Winery and Resort

3764 Beau Rivage Hotel and Casino

3765 Bellagio Hotel and Casino

3766 Fremont Hotel and Casino

3767 Main Street Hotel and Casino

3768 Silver Star Hotel and Casino

3769 Stratosphere Hotel and Casino

3770 SpringHill Suites

3771 Caesars Hotel and Casino

3772 Nemacolin Woodlands

3773 Venetian Resort Hotel and Casino (Hotel)

3774 New York, New York Hotel and Casino

3775 Sands Resort

3776 Nevele Grande Resort and Country Club

3777 Mandalay Bay Resort

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 264

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3778 Four Points Hotels

3779 W Hotels

3780 Disneyland Hotels

3781 Patricia Grand Resort Hotels (Hotel)

3782 Rosen Hotels and Resorts

3783 Town and Country Resort & Convention Center

3784 First Hospitality Hotels

3785 Outrigger Hotels & Resorts

3786 Ohana Hotels of Hawaii

3787 Caribe Royale Resort Suites & Villas

3788 Ala Moana Hotel

3796 Peppermill Hotel Casino—PEPPERMILL

3798 Embassy Vacation Resort

3799 Hale Koa Hotel

3800 Homestead Suites (Hotel)

3801 Wilderness Hotel and Golf Resort (Hotel)

3802 The Palace Hotel (Hotel)

3803 The Wigwam Golf Resort and Spa (Hotel)

3804 The Diplomat Country Club and Spa (Hotel)

3805 The Atlantic (Hotel)

3806 Princeville Resort (Hotel)

3807 Element (Hotel)

3808 LXR

3809 Settle Inn (Hotel)

3810 La Costa Resort (Hotel)

3811 Premier Inn (Hotel)

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 265

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

3812 HYATT PLACE (Hotel)

3813 HOTEL INDIGO (Hotel)

3814 THE ROOSEVELT HOTEL NY (Hotel)

3815 Holiday Inn Nickelodeon

3818 MainStay Suites

3819 Oxford Suites

3820 Jumeirah Essex House

3821 Caribe Royal

3822 Crossland

3823 Grand Sierra Resort

3824 Aria (Aria Resort and Casino)

3825 Vdara (Vdara Hotel and Spa)

4011 Railroads—Freight

4111 Transportation—Suburban and Local Commuter Passenger, including


Ferries

4112 Passenger Railways

4119 Ambulance Services

4121 Limousines and Taxicabs

4131 Bus Lines

4214 Motor Freight Carriers, Trucking—Local/Long Distance, Moving and


Storage Companies, Local Delivery

4215 Courier Services—Air and Ground, Freight Forwarders

4225 Public Warehousing—Farm Products, Refrigerated Goods, Household


Goods Storage

4411 Cruise Lines

4457 Boat Leases and Boat Rentals

4468 Marinas, Marine Service/Supplies

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 266

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

4511 Air Carriers, Airlines—not classified elsewhere

4582 Airports, Airport Terminals, Flying Fields

4722 Travel Agencies and Tour Operators

4784 Bridge and Road Fees, Tolls

4789 Transportation Services—not elsewhere classified

4812 Telecommunication Equipment Including Telephone Sales

4813 Key-entry Telecom Merchant providing single local and long-distance


phone calls using a central access number in a non–face-to-face
environment using key entry

4814 Calls placed using magnetic stripe-reading telephones—use a TCC of R

4815 MasterPhone™ Telephone Service—Monthly Summary Telephone


Charges

4816 Computer Network/Information Services Wholesale Distributors and


Manufacturers are noted by an asterisk.

4821 Telegraph Services

4829 Money Transfer—Merchant

4899 Cable and other Pay Television Services

4900 Utilities—Electric, Gas, Heating Oil, Sanitary, Water. The ongoing


generation, transmission, or distribution of electricity, gas (natural or
propane), home heating oil, water system supply services, or collection
and disposal of refuse.

5013 Motor Vehicle Supplies and New Parts*

5021 Office and Commercial Furniture*

5039 Construction Materials—not elsewhere classified*

5044 Office, Photographic, Photocopy, and Microfilm Equipment*

5045 Computers, Computer Peripheral Equipment, Software*

5046 Commercial Equipment—not elsewhere classified*

5047 Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and


Supplies*

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 267

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

5051 Metal Service Centers and Offices*

5065 Electrical Parts and Equipment*

5072 Hardware Equipment and Supplies*

5074 Plumbing and Heating Equipment*

5085 Industrial Supplies—not elsewhere classified*

5094 Precious Stones and Metals, Watches and Jewelry*

5099 Durable Goods—not elsewhere classified*

5111 Stationery, Office Supplies, Printing and Writing Paper*

5122 Drugs, Drug Proprietaries, and Druggists Sundries*

5131 Piece Goods, Notions, and Other Dry Goods*

5137 Men’s, Women’s, and Children’s Uniforms and Commercial Clothing*

5139 Commercial Footwear*

5169 Chemicals and Allied Products—not elsewhere classified*

5172 Petroleum and Petroleum Products*

5192 Books, Periodicals and Newspapers*

5193 Florists Supplies, Nursery Stock, and Flowers*

5198 Paints, Varnishes, and Supplies*

5199 Nondurable Goods—not elsewhere classified*

5200 Home Supply Warehouse Stores

5211 Building Materials, Lumber Stores

5231 Glass, Paint, Wallpaper Stores

5251 Hardware Stores

5261 Lawn and Garden Supply Stores

5271 Mobile Home Dealers

5300 Wholesale Clubs

5309 Duty Free Stores

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 268

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

5310 Discount Stores

5311 Department Stores

5331 Variety Stores

5399 Miscellaneous General Merchandise

5411 Grocery Stores, Supermarkets

5422 Freezer, Locker Meat Provisioners

5441 Candy, Nut, Confectionery Stores

5451 Dairy Products Stores

5462 Bakeries

5499 Miscellaneous Food Stores—Convenience Stores, Markets, Specialty


Stores, and Vending Machines

5511 Automobile and Truck Dealers—Sales, Service, Repairs, Parts, and


Leasing

5521 Automobile and Truck Dealers—(Used Only)—Sales

5532 Automotive Tire Stores

5533 Automotive Parts, Accessories Stores

5541 Service Stations (with or without Ancillary Services)

5542 Fuel Dispenser, Automated

5551 Boat Dealers

5561 Camper Dealers, Recreational and Utility Trailers

5571 Motorcycle Shops and Dealers

5592 Motor Home Dealers

5598 Snowmobile Dealers

5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not


elsewhere classified

5611 Men’s and Boys’ Clothing and Accessories Stores

5621 Women’s Ready to Wear Stores

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 269

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

5631 Women’s Accessory and Specialty Stores

5641 Children’s and Infants’ Wear Stores

5651 Family Clothing Stores

5655 Sports Apparel, Riding Apparel Stores

5661 Shoe Stores

5681 Furriers and Fur Shops

5691 Men’s and Women’s Clothing Stores

5697 Alterations, Mending, Seamstresses, Tailors

5698 Wig and Toupee Shops

5699 Accessory and Apparel Stores—Miscellaneous

5712 Equipment, Furniture, and Home Furnishings Stores (except Appliances)

5713 Floor Covering Stores

5714 Drapery, Upholstery, and Window Coverings Stores

5718 Fireplace, Fireplace Screens and Accessories Stores

5719 Miscellaneous House Furnishing Specialty Shops

5722 Household Appliance Stores

5732 Electronic Sales

5733 Music Stores—Musical Instruments, Pianos, Sheet Music

5734 Computer Software Stores

5735 Record Shops

5811 Caterers

5812 Eating Places, Restaurants

5813 Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns—Drinking


Places (Alcoholic Beverages)

5814 Fast Food Restaurants

5912 Drug Stores, Pharmacies

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 270

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

5921 Package Stores, Beer, Wine, Liquor

5931 Second Hand Stores, Used Merchandise Stores

5932 Antique Shops—Sales, Repairs, and Restoration Services

5933 Pawn Shops

5935 Salvage and Wrecking Yards

5937 Antique Reproduction Stores

5940 Bicycle Shops—Sales and Service

5941 Sporting Goods Stores

5942 Book Stores

5943 Office, School Supply, and Stationery Stores

5944 Clock, Jewelry, Watch, and Silverware Store

5945 Game, Toy, and Hobby Shops

5946 Camera and Photographic Supply Stores

5947 Card, Gift, Novelty, and Souvenir Shops

5948 Leather Goods and Luggage Stores

5949 Fabric, Needlework, Piece Goods, and Sewing Stores

5950 Crystal and Glassware Stores

5960 Direct Marketing—Insurance Services

5962 Direct Marketing—Travel-Related Arrangement Services

5963 Door-to-Door Sales

5964 Direct Marketing—Catalog Merchants

5965 Direct Marketing—Combination Catalog and Retail Merchants

5966 Direct Marketing—Outbound Telemarketing Merchants

5967 Direct Marketing—Inbound Telemarketing Merchants

5968 Direct Marketing—Continuity/Subscription Merchants

5969 Direct Marketing—Other Direct Marketers—not elsewhere classified

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 271

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

5970 Artist Supply Stores, Craft Shops

5971 Art Dealers and Galleries

5972 Stamp and Coin Stores—Philatelic and Numismatic Supplies

5973 Religious Goods Stores

5975 Hearing Aids—Sales, Service, Supply Stores

5976 Orthopedic Goods—Artificial Limb Stores

5977 Cosmetic Stores

5978 Typewriter Stores—Rentals, Sales, Service

5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood

5992 Florists

5993 Cigar Stores and Stands

5994 News Dealers and Newsstands

5995 Pet Shops—Pet Food and Supplies

5996 Swimming Pools—Sales and Supplies

5997 Electric Razor Stores—Sales and Service

5998 Tent and Awning Shops

5999 Miscellaneous and Specialty Retail Stores

6010 Member Financial Institution—Manual Cash Disbursements

6011 Member Financial Institution—Automated Cash Disbursements

6012 Financial Institutions—Merchandise and Services

6050 Quasi Cash—Member Financial Institution

6051 Quasi Cash—Merchant

6211 Securities—Brokers/Dealers

6300 Insurance Sales, Underwriting, and Premiums

6529 Remote Stored Value Load—Member Financial Institution

6530 Remote Stored Value Load—Merchant

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 272

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

6531 Payment Service Provider—Payment Transfer for a Purchase

6532 Payment Service Provider—Member Financial Institution—Payment


Transaction

6533 Payment Service Provider—Merchant—Payment Transaction

6534 Money Transfer—Member Financial Institution

6535 Value Purchase-Member Financial Institution

7011 Lodging—Hotels, Motels, Resorts—not elsewhere classified

7012 Timeshares

7032 Recreational and Sporting Camps

7033 Campgrounds and Trailer Parks

7210 Cleaning, Garment, and Laundry Services

7211 Laundry Services—Family and Commercial

7216 Dry Cleaners

7217 Carpet and Upholstery Cleaning

7221 Photographic Studios

7230 Barber and Beauty Shops

7251 Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors

7261 Funeral Service and Crematories

7273 Dating and Escort Services

7276 Tax Preparation Service

7277 Debt, Marriage, Personal—Counseling Service

7278 Buying/Shopping Clubs, Services

7296 Clothing Rental—Costumes, Uniforms, and Formal Wear

7297 Massage Parlors

7298 Health and Beauty Spas

7299 Other Services—not elsewhere classified

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 273

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

7311 Advertising Services

7321 Consumer Credit Reporting Agencies

7333 Commercial Art, Graphics, Photography

7338 Quick Copy, Reproduction, and Blueprinting Services

7339 Stenographic and Secretarial Support Services

7342 Exterminating and Disinfecting Services

7349 Cleaning and Maintenance, Janitorial Services

7361 Employment Agencies, Temporary Help Services

7372 Computer Programming, Data Processing, and Integrated Systems


Design Services

7375 Information Retrieval Services*

7379 Computer Maintenance, Repair, and Services—not elsewhere classified*

7392 Consulting, Management, and Public Relations Services

7393 Detective Agencies, Protective Agencies, Security Services including


Armored Cars, Guard Dogs

7394 Equipment Rental and Leasing Services, Furniture Rental, Tool Rental

7395 Photo Developing, Photofinishing Laboratories

7399 Business Services—not elsewhere classified

7511 Truck Stop Transactions

7512 Automobile Rental Agency—not elsewhere classified

7513 Truck Rental

7519 Motor Home and Recreational Vehicle Rental

7523 Automobile Parking Lots and Garages

7531 Automotive Body Repair Shops

7534 Tire Retreading and Repair Shops

7535 Automotive Paint Shops

7538 Automotive Service Shops

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 274

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

7542 Car Washes

7549 Towing Services

7622 Electronic Repair Shops

7623 Air Conditioning and Refrigeration Repair Shops

7629 Appliance Repair Shops, Electrical and Small

7631 Clock, Jewelry, and Watch Repair Shops

7641 Furniture—Reupholstery and Repair, Refinishing

7692 Welding Repair

7699 Miscellaneous Repair Shops and Related Services

7829 Motion Picture and Video Tape Production and Distribution*

7832 Motion Picture Theaters

7841 Video Entertainment Rental Stores

7911 Dance Halls, Schools, and Studios

7922 Theatrical Producers (except Motion Pictures), Ticket Agencies

7929 Bands, Orchestras, and Miscellaneous Entertainers—not elsewhere


classified

7932 Pool and Billiard Establishments

7933 Bowling Alleys

7941 Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports


Promoters

7991 Tourist Attractions and Exhibits

7992 Golf Courses, Public

7993 Video Amusement Game Supplies

7994 Video Game Arcades/Establishments

7995 Gambling Transactions

7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 275

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

7997 Clubs—Country Clubs, Membership (Athletic, Recreation, Sports), Private


Golf Courses

7998 Aquariums, Dolphinariums, and Seaquariums

7999 Recreation Services—not elsewhere classified

8011 Doctors—not elsewhere classified

8021 Dentists, Orthodontists

8031 Osteopathic Physicians

8041 Chiropractors

8042 Optometrists, Ophthalmologists

8043 Opticians, Optical Goods, and Eyeglasses

8049 Chiropodists, Podiatrists

8071 Dental and Medical Laboratories

8099 Health Practitioners, Medical Services—not elsewhere classified

8111 Attorneys, Legal Services

8211 Schools, Elementary and Secondary

8241 Schools, Correspondence

8244 Schools, Business and Secretarial

8249 Schools, Trade and Vocational

8299 Schools and Educational Services—not elsewhere classified

8351 Child Care Services

8398 Organizations, Charitable and Social Service

8641 Associations—Civic, Social, and Fraternal

8651 Organizations, Political

8661 Organizations, Religious

8675 Automobile Associations

8699 Organizations, Membership—not elsewhere classified

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 276

Table 8.1: Merchant Type Codes – Numerical Order (cont.)


Code Description

8734 Testing Laboratories (Non-Medical)*

8911 Architectural, Engineering, and Surveying Services

8931 Accounting, Auditing, and Bookkeeping Services

8999 Professional Services—not elsewhere classified

9211 Court Costs including Alimony and Child Support

9222 Fines

9223 Bail and Bond Payments

9311 Tax Payments

9399 Government Services—not elsewhere classified

9402 Postal Services—Government Only

9405 Intra-Government Purchases—Government Only

9751 U.K. Supermarkets, Electronic Hot File

9752 U.K. Petrol Stations, Electronic Hot File

9754 Gambling - Horse Racing, Dog Racing, State Lotteries


* Denotes wholesale distributors and manufacturers.

Merchant Type Codes - Alphabetical Order


Table 8.2: Merchant Type Codes – Alphabetical Order
Code Description

3412 A1 Rent-A-Car

3374 Accent Rent-A-Car

5699 Accessory and Apparel Stores—Miscellaneous

8931 Accounting, Auditing, and Bookkeeping Services

3354 Action Auto Rental

3681 Adams Mark Hotels

3064 Adria Airways—ADRIA AIR

3441 Advantage Rent A Car

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 277

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

7311 Advertising Services

3043 Aer Lingus—AERLING

3287 Aero Coach Aviation—AEROCOAC

3167 Aero Continente—AEROCONTINENTE

3285 Aero Peru—AEROPERU

3263 Aero Servicio Carabobo—ASC AIRLINE

3286 Aero. Nicaraguenses—AERO NIC

3011 Aeroflot—AEROFLOT

3030 Aerolineas Argentinas—AERO ARG

3076 Aeromexico—AEROMEXI

3351 Affiliated Auto Rental

3364 Agency Rent-A-Car

0763 Agricultural Cooperatives

3083 Air Afrique—AIRAFRIQUE

3021 Air Algerie—AIRALGER

3236 Air Arabia Airline—AIR ARABIA

3068 Air Astana – AIR ASTANA

3296 Air Berlin - AIR BERLIN

3071 Air British Columbia—AIR B R C

3009 Air Canada—AIR CANA

4511 Air Carriers, Airlines—not elsewhere classified

3261 Air China—AIR CHINA

7623 Air Conditioning and Refrigeration Repair Shops

1711 Air Conditioning, Heating, and Plumbing Contractors

3282 Air Djibouti—AIR DJIB

3007 Air France—AIR FRAN

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 278

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3020 Air India—AIR-INDI

3065 Air Inter—AIRINTER

3280 Air Jamaica—AIR JAMA

3044 Air Lanka—AIR LANKA

3148 Air Littoral, S.A.—LITTORAL

3028 Air Malta—AIRMALTA

3298 Air Mauritius—AIRMAURI

3025 Air New Zealand Limited International—AIR NZ

3267 Air Panama International—AIR PANA

3266 Air Seychelles—AIR SEYC

3151 Air Zaire—AIRZAIRE

3096 Air Zimbabwe—AIRZIMBA

4582 Airports, Airport Terminals, Flying Fields

3177 AirTran Airways—AIRTRANAIR

3361 Airways Rent-A-Car

3376 Ajax Rent-A-Car

3788 Ala Moana Hotel

3560 Aladdin Resort and Casino

3387 Alamo Rent-A-Car

3256 Alaska Airlines Inc.—ALASKA A

3013 Alitalia—ALITALIA

3161 All Nippon Airways—ANAAIR

3421 Allstate Rent-A-Car

3252 ALM Antilean Airlines—ALM

3619 aloft (Hotel)

5697 Alterations, Mending, Seamstresses, Tailors

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 279

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3362 Altra Auto Rental

4119 Ambulance Services

3754 Amelia Island Plantation

3253 America West—AMERWEST

3617 America’s Best Value Inn (Hotel)

3001 American Airlines—AMERICAN

3352 American International

3517 Americana Hotels

3614 AmericInn (Hotel)

3514 Amerisuites

3536 AMFAC Hotels

7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers

3537 ANA Hotels

3420 ANSA International

3033 Ansett Airlines—ANSETT

5937 Antique Reproduction Stores

5932 Antique Shops—Sales, Repairs, and Restoration Services

7629 Appliance Repair Shops, Electrical and Small

7998 Aquariums, Dolphinariums, and Seaquariums

3511 Arabella Hotels

3670 Arcade Hotels

8911 Architectural, Engineering, and Surveying Services

3671 Arctia Hotels

3824 Aria (Aria Resort and Casino)

3594 Arizona Biltmore

5971 Art Dealers and Galleries

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 280

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

5970 Artist Supply Stores, Craft Shops

3098 Asiana Airlines—ASIANA AIR

8641 Associations—Civic, Social, and Fraternal

7941 Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports


Promoters

8111 Attorneys, Legal Services

3549 Auberge des Governeures

3243 Austrian Air Service—AUSTRAIR

3051 Austrian Airlines—AUSTRIAN

3400 Auto Host Car Rental

3436 Autohansa Rent-A-Car

3425 Automate Rent-A-Car

5521 Automobile and Truck Dealers—(Used Only)—Sales

5511 Automobile and Truck Dealers—Sales, Service, Repairs, Parts, and


Leasing

8675 Automobile Associations

7523 Automobile Parking Lots and Garages

7512 Automobile Rental Agency—not elsewhere classified

7531 Automotive Body Repair Shops

7535 Automotive Paint Shops

5533 Automotive Parts, Accessories Stores

7538 Automotive Service Shops

5532 Automotive Tire Stores

3423 Avcar Rent-A-Car

3242 Avensa—AVENSA

3053 AVIACO (Spain)—AVIACO

3039 Avianca—AVIANCA

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 281

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3241 Aviateca (Guatemala)—AVIATECA

3389 Avis Rent A Car

3427 Avon Rent-A-Car

3240 Bahamasair—BAHAMASA

9223 Bail and Bond Payments

5462 Bakeries

3041 Balkan—Bulgarian Airlines—BALKAN

3728 Ballys Hotel and Casino

7929 Bands, Orchestras, and Miscellaneous Entertainers—not elsewhere


classified

3239 Bar Harbor Airlines—BARHARBO

7230 Barber and Beauty Shops

5813 Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns—Drinking


Places (Alcoholic Beverages)

3556 Barton Creek Resort

3764 Beau Rivage Hotel and Casino

3765 Bellagio Hotel and Casino

3502 Best Western Hotels

3749 Beverly Hills Hotel (Hotel)

5940 Bicycle Shops—Sales and Service

3743 Biltmore Hotel and Suites

3620 Binion’s Horseshoe Club

5551 Boat Dealers

4457 Boat Leases and Boat Rentals

5942 Book Stores

5192 Books, Periodicals and Newspapers*

7933 Bowling Alleys

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 282

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3106 Braathens S.A.F.E. (Norway)—BRAATHEN

3683 Bradbury Suites

3547 Breakers Resort (Hotel)

4784 Bridge and Road Fees, Tolls

3005 British Airways—BRITISH AWYS

3111 British Midland—BRITISH M

3727 Broadmoor Hotel

3353 Brooks Rent A Car

3684 Budget Hosts Inns

3366 Budget Rent-A-Car

3685 Budgetel Inns

3712 Buffalo Bill’s Hotel and Casino

5211 Building Materials, Lumber Stores

4131 Bus Lines

7399 Business Services—not elsewhere classified

7278 Buying/Shopping Clubs, Services

3611 C MON INN

4899 Cable and other Pay Television Services

3771 Caesars Hotel and Casino

3582 California Hotel and Casino

4814 Calls placed using magnetic stripe-reading telephones—use a TCC of R

5946 Camera and Photographic Supply Stores

3672 Campanile Hotels

5561 Camper Dealers, Recreational and Utility Trailers

7033 Campgrounds and Trailer Parks

3171 Canadian Airlines—CANADIAN

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 283

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3559 Candlewood Suites

5441 Candy, Nut, Confectionery Stores

3757 Canyon Ranch

7542 Car Washes

5947 Card, Gift, Novelty, and Souvenir Shops

3744 Carefree Resorts

3428 Carey Rent-A-Car

3234 Caribbean Airlines – CARIBBEANAIR

3821 Caribe Royale

3787 Caribe Royale Resort Suites & Villas

3716 Carlton Hotels

1750 Carpentry Contractors

7217 Carpet and Upholstery Cleaning

5811 Caterers

3099 Cathay Pacific—CATHAYPA

3228 Cayman Airways—CAYMANAI

3072 CEBU PAC-CEBU Pacific Airlines

3763 Chateau Elan Winery and Resort

5169 Chemicals and Allied Products—not elsewhere classified*

8351 Child Care Services

5641 Children’s and Infants’ Wear Stores

3078 China Airlines—CHINAAIR

3206 China Eastern Airlines—CHINEASTAIR

8049 Chiropodists, Podiatrists

8041 Chiropractors

3544 Ciga Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 284

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

5993 Cigar Stores and Stands

3662 Circus Circus Hotel and Casino

3717 City Lodge Hotels

3687 Clarion Hotels

7349 Cleaning and Maintenance, Janitorial Services

7210 Cleaning, Garment, and Laundry Services

3677 Climat de France Hotels

7631 Clock, Jewelry, and Watch Repair Shops

5944 Clock, Jewelry, Watch, and Silverware Store

7296 Clothing Rental—Costumes, Uniforms, and Formal Wear

3747 Club Corp/Club Resorts

3742 Club Med

7997 Clubs—Country Clubs, Membership (Athletic, Recreation, Sports), Private


Golf Courses

3552 Coast Hotel

3736 Colorado Belle Edgewater Resort

3223 Comair—COMAIR

3562 Comfort Inns

3222 Command Airways—COMMAND

7333 Commercial Art, Graphics, Photography

5046 Commercial Equipment—not elsewhere classified*

5139 Commercial Footwear*

3220 Compania Faucett—COMPANIA

3219 Compania Panamena de Aviacion (Copa)—COPA

3688 Compri Hotels

7379 Computer Maintenance, Repair, and Services—not elsewhere classified*

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 285

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

4816 Computer Network/Information Services Wholesale Distributors and


Manufacturers are noted by an asterisk.

7372 Computer Programming, Data Processing, and Integrated Systems


Design Services

5734 Computer Software Stores

5045 Computers, Computer Peripheral Equipment, Software*

3538 Concorde Hotels

1771 Concrete Work Contractors

3721 Conrad Hotels

3689 Consort Hotels

5039 Construction Materials—not elsewhere classified*

7392 Consulting, Management, and Public Relations Services

7321 Consumer Credit Reporting Agencies

3061 Continental—CONTINEN

1799 Contractors, Special Trade—not elsewhere classified

5977 Cosmetic Stores

4215 Courier Services—Air and Ground, Freight Forwarders

9211 Court Costs including Alimony and Child Support

3690 Courtyard by Marriott (Hotel)

3529 CP (Canadian Pacific) Hotels

3088 Croatia Air—CROATIA AIR

3822 Crossland

3750 Crowne Plaza Hotels

4411 Cruise Lines

3046 Cruzerio do Sul (Brazil)—CRUZERIO

5950 Crystal and Glassware Stores

3217 CSA Ceskoslovenske Aerolinie—CSA

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 286

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3678 Cumulus Hotels

3593 Cunard Hotels

3292 Cyprus Airways—CYPRUSA

5451 Dairy Products Stores

3629 Dan Hotels

7911 Dance Halls, Schools, and Studios

7273 Dating and Escort Services

3510 Days Inns

3059 DBA Airlines—DBA AIR

3648 De Vera Hotels

7277 Debt, Marriage, Personal—Counseling Service

3581 Delta Hotels

3058 Delta—DELTA

8071 Dental and Medical Laboratories

5047 Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and


Supplies*

8021 Dentists, Orthodontists

5311 Department Stores

7393 Detective Agencies, Protective Agencies, Security Services including


Armored Cars, Guard Dogs

3691 Dillon Inn

5964 Direct Marketing—Catalog Merchants

5965 Direct Marketing—Combination Catalog and Retail Merchants

5968 Direct Marketing—Continuity/Subscription Merchants

5967 Direct Marketing—Inbound Telemarketing Merchants

5960 Direct Marketing—Insurance Services

5969 Direct Marketing—Other Direct Marketers—not elsewhere classified

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 287

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

5966 Direct Marketing—Outbound Telemarketing Merchants

5962 Direct Marketing—Travel-Related Arrangement Services

5310 Discount Stores

3780 Disneyland Hotels

8011 Doctors—not elsewhere classified

3390 Dollar Rent A Car

3212 Dominicana de Aviacion—DOMINICA

5963 Door-to-Door Sales

3589 Doral Golf Resort

3587 Doral Hotels

3623 Dorint Hotels

3692 Doubletree Hotels

3527 Downtowner Passport

3004 Dragon Airlines - Dragonair

5714 Drapery, Upholstery, and Window Coverings Stores

5912 Drug Stores, Pharmacies

5122 Drugs, Drug Proprietaries, and Druggists Sundries*

3693 Drury Inn

7216 Dry Cleaners

3525 Dunfey Hotels

5099 Durable Goods—not elsewhere classified*

5309 Duty Free Stores

3245 EasyJet Airlines—EASYJET AIR

5812 Eating Places, Restaurants

3398 Econo Car Rent-A-Car

3644 EconoLodges

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 288

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3694 Economy Inns of America

3293 Ecuatoriana—ECUATORI

3037 EgyptAir—EGYPTAIR

3032 El Al—EL AL

3669 Eldorado Hotel and Casino

5997 Electric Razor Stores—Sales and Service

1731 Electrical Contractors

5065 Electrical Parts and Equipment*

7622 Electronic Repair Shops

5732 Electronic Sales

3807 Element (Hotel)

3746 Eliot Hotels

3652 Embassy Hotels

3695 Embassy Suites

3798 Embassy Vacation Resort

3026 Emirates Airlines—EMIRATES

7361 Employment Agencies, Temporary Help Services

3405 Enterprise Rent-A-Car

7394 Equipment Rental and Leasing Services, Furniture Rental, Tool Rental

5712 Equipment, Furniture, and Home Furnishings Stores (except Appliances)

3294 Ethiopian Airlines—ETHIOPIA

3034 Etihad Airways-ETIHADAIR

3003 Eurofly Air

3381 Europ Car

3391 Europe By Car

3084 Eva Airways—EVA AIR

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 289

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3628 Excalibur Hotel and Casino

3696 Excel Inn

3621 Extended Stay (Hotel)

3627 Extended Stay America (Hotel)

3630 Extended Stay Deluxe (Hotel)

7342 Exterminating and Disinfecting Services

5949 Fabric, Needlework, Piece Goods, and Sewing Stores

3697 Fairfield Hotels

3715 Fairfield Inn

3590 Fairmont Hotels

5651 Family Clothing Stores

5814 Fast Food Restaurants

6012 Financial Institutions—Merchandise and Services

9222 Fines

3042 Finnair—FINNAIR

5718 Fireplace, Fireplace Screens and Accessories Stores

3784 First Hospitality Hotels

3664 Flag Inns

3711 Flag Inns (Australia)

5713 Floor Covering Stores

5992 Florists

5193 Florists Supplies, Nursery Stock, and Flowers*

3607 Fontainebleau Resort

3505 Forte Hotels

3570 Forum Hotels

3778 Four Points Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 290

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3714 Four Seasons (Australia) Hotels

3543 Four Seasons Hotels

3578 Frankenmuth Bavaria

3204 Freedom Airlines—FREEDOM

5422 Freezer, Locker Meat Provisioners

3766 Fremont Hotel and Casino

3507 Friendship Inns

3132 Frontier Airlines—FRONTIER AIR

5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood

5542 Fuel Dispenser, Automated

7261 Funeral Service and Crematories

7641 Furniture—Reupholstery and Repair, Refinishing

5681 Furriers and Fur Shops

9754 Gambling - Horse Racing, Dog Racing, State Lotteries

7995 Gambling Transactions

5945 Game, Toy, and Hobby Shops

3566 Garden Place Hotel

3103 Garuda (Indonesia)—GARUDA

3608 Gaylord Opryland

3609 Gaylord Palms

3610 Gaylord Texan

1520 General Contractors—Residential and Commercial

3409 General Rent-A-Car

3019 Germanwings—GRMNWNGSAIR

5231 Glass, Paint, Wallpaper Stores

3156 GO FLY Ltd.—GOFLY

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 291

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3247 Gol Airlines—GOL

3561 Golden Nugget

3506 Golden Tulip Hotels

7992 Golf Courses, Public

9399 Government Services—not elsewhere classified

3823 Grand Sierra Resort

3571 Grand Wailea Resort

3618 Great Wolf (Hotel)

3753 Greenbriar Resorts

5411 Grocery Stores, Supermarkets

3040 Gulf Air (Bahrain)—GULF AIR

3200 Guyana Airways—GUYANA A

3799 Hale Koa Hotel

3760 Halekulani Hotel/Waikiki Parc

3665 Hampton Inn Hotels

3062 Hapag - Lloyd Express Airlines—HLX AIR

5072 Hardware Equipment and Supplies*

5251 Hardware Stores

3698 Harley Hotels

3731 Harrahs Hotels and Casinos

3734 Harvey Bristol Hotels

7251 Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors

3197 Havasu Airlines—HAVASUAI

3196 Hawaiian Air—HAWAIIAN

7298 Health and Beauty Spas

8099 Health Practitioners, Medical Services—not elsewhere classified

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 292

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

5975 Hearing Aids—Sales, Service, Supply Stores

3588 Helmsley Hotels

3616 Hermitage Hotel

3357 Hertz

3604 Hilton Garden Inn

3504 Hilton Hotels

3535 Hilton International

3501 Holiday Inns

3815 Holiday Inn Nickelodeon

3368 Holiday Rent-A-Car

5200 Home Supply Warehouse Stores

3755 Homestead (Hotel)

3800 Homestead Suites (Hotel)

3751 Homewood Suites

0780 Horticultural and Landscaping Services

3595 Hospitality Inns

3680 Hoteis Othan

3580 Hotel Del Coronado

3533 Hotel Ibis

3813 Hotel Indigo (Hotel)

3579 Hotel Mercure

3541 Hotel Okura

3546 Hotel Sierra

3625 Hotel Universale

3663 Hoteles El Presidente

3548 Hotels Melia

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 293

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

5722 Household Appliance Stores

3638 Howard Johnson

3602 Hudson Hotel

3585 Hungar Hotels

3647 Husa Hotels

3640 Hyatt Hotels

3812 Hyatt Place (Hotel)

3102 Iberia—IBERIA

3540 Iberotel Hotels

3673 IBUSZ Hotels

3050 Icelandair—ICELANDA

3651 Imperial London Hotels

3193 Indian Airlines—INDIAN A

5085 Industrial Supplies—not elsewhere classified*

7375 Information Retrieval Services*

1740 Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors

3429 Insurance Rent-A-Car

6300 Insurance Sales, Underwriting, and Premiums

3724 Inter Nor Hotels

3512 Intercontinental Hotels

3438 Interent Rent-A-Car

3675 Interhotel CEDOK

9405 Intra-Government Purchases—Government Only

3192 Iran Air—IRANAIR

3191 Island Airlines—ISLANDAI

3006 Japan Air Lines—JAL

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 294

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3606 Jefferson Hotel

3174 JetBlue Airways—JETBLUE

3079 Jetstar Airways—JETSTAR

3729 John Ascuagas Nugget

3558 Jolly Hotels

3563 Journey’s End Motels

3190 Jugoslav Air—JUGOSLAV

3820 Jumeirah Essex House

3605 Jurys Doyle Hotel Group

3758 Kahala Mandarin Oriental Hotel

3718 Karos Hotels

3531 Kauai Coconut Beach Resort—KAUAI COCONUT BEACH RSRT

3394 Kemwell Group Rent-A-Car

3295 Kenya Airways—KENYAAIR

4813 Key-entry Telecom Merchant providing single local and long-distance


phone calls using a central access number in a non–face-to-face
environment using key entry

3660 Knights Inn

3082 Korean Airlines—KOREAN

3038 Kuwait Airways—KUWAIT

3810 La Costa Resort (Hotel)

3701 La Mansion Del Rio

3055 LAB (Bolivia)—LAB

3187 LACSA (Costa Rica)—LACSA

3568 Ladbroke Hotels

3054 LADECO (Chile)—LADECO

3624 Lady Luck Hotel and Casino

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 295

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3052 LAN Airlines - LAN AIR

3186 LAP Lineas Aereas Paraguayas—LAP

3516 LaQuinta Inns

3576 LaQuinta Resort

7211 Laundry Services—Family and Commercial

3185 LAV Linea Aeropostal Venezolana—LAV

5261 Lawn and Garden Supply Stores

5948 Leather Goods and Luggage Stores

3184 LIAT—LIAT

4121 Limousines and Taxicabs

7011 Lodging—Hotels, Motels, Resorts—not elsewhere classified

3654 Loews Hotels

3182 LOT - Polish Airlines—LOT

3808 LXR

3008 Lufthansa—LUFTHAN

3146 Luxair—LUXAIR

3667 Luxor Hotel and Casino

3818 MainStay Suites

3767 Main Street Hotel and Casino

3430 Major Rent-A-Car

3100 Malaysian Airline System—MALAY AI

3181 Malev Hungarian Airlines—MALEV

3213 Malmo Aviation—MALMO AIR

3777 Mandalay Bay Resort

3577 Mandarin Oriental Hotels

3557 Manhattan East Suite Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 296

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

4468 Marinas, Marine Service/Supplies

3668 Maritim Hotels

3509 Marriott

7297 Massage Parlors

4815 MasterPhone™ Telephone Service—Monthly Summary Telephone


Charges

3735 Masters Economy Inns

6011 Member Financial Institution—Automated Cash Disbursements

6010 Member Financial Institution—Manual Cash Disbursements

5611 Men’s and Boys’ Clothing and Accessories Stores

5691 Men’s and Women’s Clothing Stores

5137 Men’s, Women’s, and Children’s Uniforms and Commercial Clothing*

3520 Meridien Hotels

3622 Merlin Hotel Group

3178 Mesa Air—MESA AIR

5051 Metal Service Centers and Offices*

3087 Metro Airlines—METROAI

3661 Metropole Hotels

3023 Mexicana—MEXICANA

3730 MGM Grand Hotel

3613 Microtel Inns & Suites (Hotel)

3175 Middle East Air—MIDEASTA

3699 Midway Motor Lodge

3085 Midwest Express Airlines—MIDWEST EXP

3741 Millennium Broadway Hotel

3439 Milleville Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 297

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3551 Mirage Hotel and Casino

5999 Miscellaneous and Specialty Retail Stores

5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not


elsewhere classified

5499 Miscellaneous Food Stores—Convenience Stores, Markets, Specialty


Stores, and Vending Machines

5399 Miscellaneous General Merchandise

5719 Miscellaneous House Furnishing Specialty Shops

2741 Miscellaneous Publishing and Printing*

7699 Miscellaneous Repair Shops and Related Services

3572 Miyako Hotel

5271 Mobile Home Dealers

6534 Money Transfer—Member Financial Institution

4829 Money Transfer—Merchant

3676 Monte Carlo Hotel and Casino

3700 Motel 6

7829 Motion Picture and Video Tape Production and Distribution*

7832 Motion Picture Theaters

4214 Motor Freight Carriers, Trucking—Local/Long Distance, Moving and


Storage Companies, Local Delivery

7519 Motor Home and Recreational Vehicle Rental

5592 Motor Home Dealers

5013 Motor Vehicle Supplies and New Parts*

5571 Motorcycle Shops and Dealers

3639 Mount Charlotte Thistle

3612 Movenpick Hotels

5733 Music Stores—Musical Instruments, Pianos, Sheet Music

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 298

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3172 Nation Air—NATIONAI

3393 National Car Rental

3772 Nemacolin Woodlands

3776 Nevele Grande Resort and Country Club

3774 New York, New York Hotel and Casino

5994 News Dealers and Newsstands

3815 NICKELODEON SUITES

3045 Nigeria Airways—NIGERIA

3603 Noah’s Hotel

5199 Nondurable Goods—not elsewhere classified*

3164 Norontair—NORONTAI

3060 Northwest Airlines—NWA AIR

3211 Norwegian Air Shuttle—NORWEGIANAIR

3642 Novotel Hotels

3657 Oberoi Hotels

5021 Office and Commercial Furniture*

5044 Office, Photographic, Photocopy, and Microfilm Equipment*

5943 Office, School Supply, and Stationery Stores

3786 Ohana Hotels of Hawaii

3031 Olympic Airways—OLYMPICA

3592 Omni Hotels

3732 Opryland Hotel

8043 Opticians, Optical Goods, and Eyeglasses

8042 Optometrists, Ophthalmologists

3759 Orchid at Mauna Lani (Hotel)

8398 Organizations, Charitable and Social Service

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 299

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

8699 Organizations, Membership—not elsewhere classified

8651 Organizations, Political

8661 Organizations, Religious

5976 Orthopedic Goods—Artificial Limb Stores

8031 Osteopathic Physicians

3658 Otani Hotels

7299 Other Services—not elsewhere classified

3785 Outrigger Hotels & Resorts

3819 Oxford Suites

5921 Package Stores, Beer, Wine, Liquor

5198 Paints, Varnishes, and Supplies*

3024 Pakistan International—PAKISTAN

3002 Pan American—PAN AM AIR

3599 Pannonia Hotels

3553 Park Inns International

4112 Passenger Railways

3781 Patricia Grand Resort Hotels (Hotel)

5933 Pawn Shops

3359 Payless Car Rental

6532 Payment Service Provider—Member Financial Institution—Payment


Transaction

6533 Payment Service Provider—Merchant—Payment Transaction

6531 Payment Service Provider—Payment Transfer for a Purchase

3752 Peabody Hotels

3523 Peninsula Hotels

3653 Penta Hotels

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 300

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3796 Peppermill Hotel Casino—PEPPERMILL

5995 Pet Shops—Pet Food and Supplies

5172 Petroleum and Petroleum Products*

3022 Philippine Airlines—PAL AIR

3632 Phoenician (Hotel)

7395 Photo Developing, Photofinishing Laboratories

7221 Photographic Studios

5131 Piece Goods, Notions, and Other Dry Goods*

3554 Pinehurst Resort

5074 Plumbing and Heating Equipment*

7932 Pool and Billiard Establishments

9402 Postal Services—Government Only

5094 Precious Stones and Metals, Watches and Jewelry*

3811 Premier Inn (Hotel)

3761 Primadonna Hotel and Casino

3526 Prince Hotels

3584 Princess Hotels International

3806 Princeville Resort

8999 Professional Services—not elsewhere classified

3719 Protea Hotels

3159 Provincetown-Boston Airways—PBA

4225 Public Warehousing—Farm Products, Refrigerated Goods, Household


Goods Storage

3519 Pullman International Hotels

3012 Qantas—QANTAS

3136 Qatar Airways Company W.L.L.—QATAR AIR

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 301

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3508 Quality Inns

3713 Quality Pacific Hotel

6050 Quasi Cash—Member Financial Institution

6051 Quasi Cash—Merchant

3645 Queens Moat Houses

7338 Quick Copy, Reproduction, and Blueprinting Services

3649 Radisson Hotels

4011 Railroads—Freight

3637 Ramada Inns

3633 Rank Hotels

3674 Rantasipi Hotels

5735 Record Shops

7999 Recreation Services—not elsewhere classified

7032 Recreational and Sporting Camps

3528 Red Lion Inns

3650 Red Roof Inns

3550 Regal 8 Inns

3598 Regent International Hotel

3702 Registry Hotels (Hotel)

3565 Relax Inns

5973 Religious Goods Stores

6529 Remote Stored Value Load—Member Financial Institution

6530 Remote Stored Value Load—Merchant

3530 Renaissance Hotels

3370 Rent A Wreck

3431 Replacement Rent-A-Car

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 302

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3432 Reserve Rent-A-Car

3703 Residence Inn

3635 Reso Hotel

3723 Rica Hotels

3726 Rio Suites

3597 Riverside Resort Hotel and Casino

3737 Riviera Hotel and Casino

3515 Rodeway Inns

1761 Roofing and Siding, Sheet Metal Work Contractors

3782 Rosen Hotels and Resorts

3048 Royal Air Maroc—AIRMARO

3010 Royal Dutch Airlines (KLM)—KLM

3542 Royal Hotels

3532 Royal Kona Resort

3704 Royce Hotels

3246 Ryanair

3600 Saddlebrook Resort—Tampa

3229 SAETA (Sociedad Ecuatorianas De Transportes Aereo)—SAETAAIR

3682 Sahara Hotel and Casino

3231 SAHSA (Servicio Aero de Honduras)—SAHSA

5935 Salvage and Wrecking Yards

3564 Sam’s Town Hotel and Casino

3573 Sandman Hotels

3705 Sandman Inn

3775 Sands Resort

2842 Sanitation, Polishing, and Specialty Cleaning Preparations

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 303

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3656 Sara Hotels

3636 Sarova Hotels

3583 SAS Hotels

3014 Saudi Arabian Airlines—SAUDI AI

3655 Scandic Hotels

3016 Scandinavian Airline System (SAS)—SAS

8299 Schools and Educational Services—not elsewhere classified

8244 Schools, Business and Secretarial

8241 Schools, Correspondence

8211 Schools, Elementary and Secondary

8249 Schools, Trade and Vocational

3725 Sea Pines Resort

5931 Second Hand Stores, Used Merchandise Stores

6211 Securities—Brokers/Dealers

5541 Service Stations (with or without Ancillary Services)

3809 Settle Inn (Hotel)

3545 Shangri-La International

3503 Sheraton (Sheraton Hotels)

3706 Shilo Inn

5661 Shoe Stores

3707 Shoney’s Inn

3386 Showcase Rental Cars

3679 Silver Legacy Hotel and Casino

3768 Silver Star Hotel and Casino

3075 Singapore Airlines—SINGAPOR

3355 SIXT Car Rental

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 304

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3226 Skyways Air

3631 Sleep Inns

3029 SN Brussels Airlines—SN BRUSSELS

3360 Snappy Car Rental

5598 Snowmobile Dealers

3641 Sofitel Hotels

3567 Soho Grand Hotel

3586 Sokos Hotel

3518 Sol Hotels

3591 Sonesta Hotels

3017 South African Airways—SAFRICAN

3534 Southern Pacific Hotel (Hotel)

3720 Southern Sun Hotels

3066 Southwest Airlines—SOUTHWES

3097 Spanair—SPANAIR

3260 Spirit Airlines—SPIRIT

5941 Sporting Goods Stores

5655 Sports Apparel, Riding Apparel Stores

3770 SpringHill Suites

3745 St. Regis Hotel

3666 Stakis Hotels

5972 Stamp and Coin Stores—Philatelic and Numismatic Supplies

5111 Stationery, Office Supplies, Printing and Writing Paper*

3643 Steigenberger Hotels

7339 Stenographic and Secretarial Support Services

3769 Stratosphere Hotel and Casino

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 305

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3626 Studio Plus (Hotel)

3135 Sudan Airways—SUDANAIR

3539 Summerfield Suites Hotel

3130 Sunworld International Airways—SUNWORLD

3709 Super 8 Motels

3129 Surinam Airways—SURINAM

3686 Susse Chalet

3646 Swallow Hotels

5996 Swimming Pools—Sales and Supplies

3015 Swiss International Airlines—SWISSINTLAIR

3634 Swissotel

3127 Taca International—TACA INT

3659 Taj Hotels International

3248 Tam Airlines—TAM

3125 Tan Airlines—TAN AIR

3035 Tap (Portugal)—TAP

3297 Tarom Romanian Air Transport—TAROM AIR

9311 Tax Payments

7276 Tax Preparation Service

4812 Telecommunication Equipment Including Telephone Sales

4821 Telegraph Services

5998 Tent and Awning Shops

8734 Testing Laboratories (Non-Medical)*

3077 Thai Airways—THAIAIRW

3805 The Atlantic

3804 The Diplomat Country Club and Spa

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 306

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3801 The Palace Hotel

3710 The Ritz-Carlton

3814 The Roosevelt Hotel NY (Hotel)

3803 The Wigwam Golf Resort and Spa

7922 Theatrical Producers (except Motion Pictures), Ticket Agencies

3395 Thrifty Car Rental

3047 THY (Turkey)—THY

3396 Tilden Rent-A-Car

7012 Timeshares

7534 Tire Retreading and Repair Shops

3522 Tokyo Hotel

7991 Tourist Attractions and Exhibits

7549 Towing Services

3783 Town and Country Resort & Convention Center

3740 TownePlace Suites

3600 Trade Winds Resorts

3089 Transaero—TRANSAERO

4789 Transportation Services—not elsewhere classified

4111 Transportation—Suburban and Local Commuter Passenger, including


Ferries

3221 Transportes Aeros Militares Ecuatorianos—TAME AIR

4722 Travel Agencies and Tour Operators

3615 Travelodge

3555 Treasure Island Hotel and Casino

3380 Triangle Rent A Car

3569 Tribeca Grand Hotel

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 307

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3385 Tropical Rent-A-Car

3738 Tropicana Resort and Casino

7513 Truck Rental

7511 Truck Stop Transactions

3049 Tunis Air—TUNIS AI

2791 Typesetting, Plate Making, and Related Services*

5978 Typewriter Stores—Rentals, Sales, Service

9752 U.K. Petrol Stations, Electronic Hot File

9751 U.K. Supermarkets, Electronic Hot File

3063 U.S. Airways—USAIRWYS

3433 Ugly Duckling Rent-A-Car

3090 Uni Airways—UNIAIR

3027 Union de Transports Aeriens—UTAAIR

3000 United Airlines—UNITED

3434 USA Rent-A-Car

4900 Utilities—Electric, Gas, Heating Oil, Sanitary, Water. The ongoing


generation, transmission, or distribution of electricity, gas (natural or
propane), home heating oil, water system supply services, or collection
and disposal of refuse.

3575 Vagabond Hotels

6535 Value Purchase - Member Financial Institution

3435 Value Rent-A-Car

3067 Vanguard Airlines—VANGUARD

5331 Variety Stores

3018 Varig (Brazil)—VARIG

3036 VASP (Brazil)—VASP

3773 Venetian Resort Hotel and Casino (Hotel)

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 308

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3117 Venezolana International de Aviacion—VIASA

3574 Venture Inn

0742 Veterinary Services

3825 Vdara (Vdara Hotel and Spa)

7993 Video Amusement Game Supplies

7841 Video Entertainment Rental Stores

7994 Video Game Arcades/Establishments

3144 Virgin Atlantic—VIR ATL

3708 Virgin River Hotel and Casino

3131 VLM Airlines—VLM

3779 W Hotels

3524 WelcomGroup Hotels

7692 Welding Repair

3748 Wellesley Inns

3513 Westin (Westin Hotels)

3762 Whiskey Pete’s Hotel and Casino

5300 Wholesale Clubs

3299 Wideroes Flyveselskap—WIDEROES

5698 Wig and Toupee Shops

3801 Wilderness Hotel and Golf Resort

3112 Windward Island—WINDWARD

5631 Women’s Accessory and Specialty Stores

5621 Women’s Ready to Wear Stores

3739 Woodside Hotels and Resorts

3722 Wyndham—WYNDHAM

3596 Wynn Las Vegas

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 8: Data Element 018: Merchant Type 309

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)


Code Description

3094 Zambia Airways—ZAMBIA A

* Denotes wholesale distributors and manufacturers.

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 9 310

Data Element 039: Response Codes

Table 9.1: Valid Response Codes


Response
Code Description Notes

‘00’ Approved Processed as an approval.

‘01’ Refer to Card Issuer

‘02’ Refer to Card Issuer, special


condition

‘03’ Invalid merchant

‘04’ Pick-up

‘05’ Do not honor

‘06’ Error * Used for Network Management messages


(08xx).

‘07’ Pick up card, special conditions

‘08’ Honor w/ID ■ Processed as an approval.

■ Unsupported for STAR networks, may


be used by other networks. Processing
will be governed by other network’s
rules.

‘09’ Request in progress Used for Network Management messages


(08xx).

‘10’ Approved for Partial Amount Valid for POS transaction repsonses
(provided the aquiring network supports
partial amount approvals).

‘11’ Transaction Approved (VIP) ■ Processed as an approval.

■ Unsupported for STAR networks, may


be used by other networks. Processing
will be governed by other network’s
rules.

‘12’ Invalid transaction

‘13’ Invalid amount

‘14’ Invalid card number (no such


number)

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 9: Data Element 039: Response Codes 311

Table 9.1: Valid Response Codes (cont.)


Response
Code Description Notes

‘15’ No such Issuer *

‘16’ Approved, Track 3 Updated ■ Unsupported for STAR networks, may


be used by other networks. Processing
will be governed by other network’s
rules.

■ Processed as an approval.

‘19’ Re-enter transaction

‘20’ Invalid response

‘23’ Unacceptable transaction fee

‘24’ File update not supported by Used only for Negative File Updates
receiver (0312).

‘25’ Unable to locate record on file ■ Negative File Updates (0312).

■ Card Activation (0382).

‘26’ Duplicate file update record ■ Negative File Updates (0312).

■ Card Activation (0382).

‘27’ File update edit error Used only for Negative File Updates
(0312).

‘28’ File update file locked out Used only for Negative File Updates
(0312).

‘29’ File update not successful, contact ■ Negative File Updates (0312).
Acquirer
■ Card Activation (0382).

STAR ISO 8583 MESSAGE FORMAT GUIDE


Confidential and proprietary to First Data February 2011
Chapter 9: Data Element 039: Response Codes 312

Table 9.1: Valid Response Codes (cont.)


Response
Code Description Notes

‘30’ Format error * ■ The STAR Switch will return a


Response Code ‘30’ in its 0110/0210
reply to an acquirer when the request
fails to pass required STAR edits. The
field number in error will be provided in
DE 044, Additional Response Data. The
transaction will be logged as an
exception so will not appear in user
files or reports.

■ The STAR Switch will send a 0420


reversal with a Response Code ‘30’ to
an issuer when the 0110/0210
response fails to pass required STAR
edits.