Authorization Samples - Bancnet
Here are some FAST authorization message samples for clients using BancNet.
Withdrawal
1. WithdrawalFAST Active Request
{ "MESSAGE_TYPE" : { "Message_Type" : "0200", "Message_Desc" : "Financial Request" }, "SUMMARY" : { "TID" : "3343358080062093661", "RID" : "86278", "PID" : "5", "Client_Id" : "123456", "Transaction_Date_Time" : "26-02-2026 09:56:47", "Network" : "BANCNET", "Spend_Type" : "ATM - Withdrawal", "Spend_Location" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount" : "20", "Transaction_Currency" : "GBP", "Billing_Amount" : "NA", "Billing_Currency" : "GBP", "Card_Use_Type" : "Chip", "Customer_Validation" : "Online Pin + ARQC ", "Processor_Decision_Code" : "00", "Processor_Reason_Code" : "000", "Processor_Decision_Desc" : "Approve", "Merchant_Category" : "6011 - Financial Institutions--Automated Cash Disbursements ", "Account_Id" : "859214291", "Customer_Ac" : "859214291", "Total_Fee_Bill" : "0.0" }, "PROCESSOR_VALIDATIONS" : { "Pan_Check" : "NA", "Pin_Check" : "PASS", "Expiry_Check" : "PASS", "Track_Check" : "PASS", "CVV_Type" : "0", "CVV_Check" : "NA", "ARQC_Check" : "PASS", "3DS_Check" : "NA", "Test_Matrix" : "3531666635867947394", "Test_Results" : "0", "Rules_Checked" : "", "Rules_Triggered" : "", "Rules_Decision" : "00" }, "ISO_MSG" : { "DE2" : "104672464", "DE3_1" : "01", "DE3_2" : "10", "DE3_3" : "00", "DE4" : "000000002000", "DE5" : "000000002000", "DE7" : "0226095648", "DE11" : "093661", "DE12" : "095537", "DE13" : "0226", "DE14" : "2901", "DE15" : "0905", "DE18" : "6011", "DE22" : "051", "DE23" : "001", "DE24" : "000", "DE25" : "02", "DE28" : "D00000000", "DE32" : "0000000062", "DE35" : "104672464=29012210104672464***", "DE37" : "000871832209", "DE38" : "415834", "DE41" : "05370446", "DE43" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49" : "826", "DE50" : "826", "DE55" : { "82" : "1800", "95" : "8000040000", "9F10" : "06011203A0A800", "9F27" : "80", "9F36" : "013F", "9F34" : "420100", "9F33" : "604020" }, "DE61" : "25012000000", "DE84" : "D00001500" }, "RULES" : [ ], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Active Response
{ "Message_Type": "0210", "RID": 86280, "TID": 3343364970062093662, "DE2": "104672464", "DE4": "000000000000", "DE5": "000000000000", "DE7": "0226100817", "DE11": "093662", "DE38": "543678", "DE39": "00", "DE54": "3002826D000100901800" }FAST Active Response
{ "Message_Type": "0210", "RID": 86278, "TID": 3343358080062093661, "DE2": "104672464", "DE4": "000000002000", "DE5": "000000002000", "DE7": "0226095648", "DE11": "093661", "DE38": "415834", "DE39": "00" }FAST Passive Request
{ "MESSAGE_TYPE" : { "Message_Type" : "0200", "Message_Desc" : "Financial Request" }, "SUMMARY" : { "TID" : "3343358080062093661", "RID" : "86278", "PID" : "5", "Client_Id" : "123456", "Transaction_Date_Time" : "26-02-2026 09:56:47", "Network" : "BANCNET", "Spend_Type" : "ATM - Withdrawal", "Spend_Location" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount" : "20", "Transaction_Currency" : "GBP", "Billing_Amount" : "NA", "Billing_Currency" : "GBP", "Card_Use_Type" : "Chip", "Customer_Validation" : "Online Pin + ARQC ", "Processor_Decision_Code" : "00", "Processor_Reason_Code" : "000", "Processor_Decision_Desc" : "Approve", "Merchant_Category" : "6011 - Financial Institutions--Automated Cash Disbursements ", "Account_Id" : "859214291", "Customer_Ac" : "859214291", "Total_Fee_Bill" : "0.0" }, "PROCESSOR_VALIDATIONS" : { "Pan_Check" : "NA", "Pin_Check" : "PASS", "Expiry_Check" : "PASS", "Track_Check" : "PASS", "CVV_Type" : "0", "CVV_Check" : "NA", "ARQC_Check" : "PASS", "3DS_Check" : "NA", "Test_Matrix" : "3531666635867947394", "Test_Results" : "0", "Rules_Checked" : "", "Rules_Triggered" : "", "Rules_Decision" : "00" }, "ISO_MSG" : { "DE2" : "104672464", "DE3_1" : "01", "DE3_2" : "10", "DE3_3" : "00", "DE4" : "000000002000", "DE5" : "000000002000", "DE7" : "0226095648", "DE11" : "093661", "DE12" : "095537", "DE13" : "0226", "DE14" : "2901", "DE15" : "0905", "DE18" : "6011", "DE22" : "051", "DE23" : "001", "DE24" : "000", "DE25" : "02", "DE28" : "D00000000", "DE32" : "0000000062", "DE35" : "104672464=29012210104672464***", "DE37" : "000871832209", "DE38" : "415834", "DE41" : "05370446", "DE43" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49" : "826", "DE50" : "826", "DE55" : { "82" : "1800", "95" : "8000040000", "9F10" : "06011203A0A800", "9F27" : "80", "9F36" : "013F", "9F34" : "420100", "9F33" : "604020" }, "DE61" : "25012000000", "DE84" : "D00001500" }, "RULES" : [ ], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Passive Response
Similar to active, but we neither log nor process the response; we only verify the HTTP response code.
Eg:
2026-02-26 10:08:18.285 INFO [pool-5-thread-12] [x.x.x.x.x.FastLogger] FAST Passive Response: SUCCESS. Client id = 123456(PASSIVE) Response Code: 200,URL:http://localhost:8060/api/process/pe_auth
Withdrawal Reversal
2. Withdrawal ReversalFAST Active Request
{ "MESSAGE_TYPE" : { "Message_Type" : "0420", "Message_Desc" : "Reversal Advice" }, "SUMMARY" : { "TID" : "3343358080062093661", "RID" : "86279", "PID" : "5", "Client_Id" : "123456", "Transaction_Date_Time" : "26-02-2026 09:56:50", "Network" : "BANCNET", "Spend_Type" : "ATM - Withdrawal", "Spend_Location" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount" : "20", "Transaction_Currency" : "GBP", "Billing_Amount" : "NA", "Billing_Currency" : "GBP", "Card_Use_Type" : "Chip", "Customer_Validation" : "PAN", "Processor_Decision_Code" : "00", "Processor_Reason_Code" : "000", "Processor_Decision_Desc" : "Approve", "Merchant_Category" : "6011 - Financial Institutions--Automated Cash Disbursements ", "Account_Id" : "859214291", "Customer_Ac" : "859214291", "Total_Fee_Bill" : "0.0" }, "PROCESSOR_VALIDATIONS" : { "Pan_Check" : "NA", "Pin_Check" : "NA", "Expiry_Check" : "NA", "Track_Check" : "NA", "CVV_Type" : "0", "CVV_Check" : "NA", "ARQC_Check" : "NA", "3DS_Check" : "NA", "Test_Matrix" : "0", "Test_Results" : "0", "Rules_Checked" : "", "Rules_Triggered" : "", "Rules_Decision" : "00" }, "ISO_MSG" : { "DE2" : "104672464", "DE3_1" : "01", "DE3_2" : "10", "DE3_3" : "00", "DE4" : "000000002000", "DE5" : "000000002000", "DE7" : "0226095648", "DE11" : "093661", "DE12" : "095537", "DE13" : "0226", "DE14" : "2901", "DE15" : "0905", "DE18" : "6011", "DE22" : "051", "DE23" : "001", "DE24" : "000", "DE25" : "02", "DE28" : "D00000000", "DE32" : "0000000062", "DE35" : "5454540000075569=29012210104672464***", "DE37" : "000871832209", "DE41" : "05370446", "DE43" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49" : "826", "DE50" : "826", "DE55" : { "82" : "1800", "95" : "8000040000", "9F10" : "06011203A0A800", "9F27" : "80", "9F36" : "013F", "9F34" : "420100", "9F33" : "604020" }, "DE61" : "25012000000", "DE84" : "D00001500", "DE90" : "010009366102260956480000000006230303132333" }, "RULES" : [ ], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Active Response
{ "Message_Type": "0430", "RID": 86279, "TID": 3343358080062093661, "DE2": "104672464", "DE4": "000000002000", "DE5": "000000002000", "DE7": "0226095648", "DE11": "093661", "DE39": "00" }FAST Passive Request
{ "MESSAGE_TYPE" : { "Message_Type" : "0420", "Message_Desc" : "Reversal Advice" }, "SUMMARY" : { "TID" : "3343358080062093661", "RID" : "86279", "PID" : "5", "Client_Id" : "123456", "Transaction_Date_Time" : "26-02-2026 09:56:50", "Network" : "BANCNET", "Spend_Type" : "ATM - Withdrawal", "Spend_Location" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount" : "20", "Transaction_Currency" : "GBP", "Billing_Amount" : "NA", "Billing_Currency" : "GBP", "Card_Use_Type" : "Chip", "Customer_Validation" : "PAN", "Processor_Decision_Code" : "00", "Processor_Reason_Code" : "000", "Processor_Decision_Desc" : "Approve", "Merchant_Category" : "6011 - Financial Institutions--Automated Cash Disbursements ", "Account_Id" : "859214291", "Customer_Ac" : "859214291", "Total_Fee_Bill" : "0.0" }, "PROCESSOR_VALIDATIONS" : { "Pan_Check" : "NA", "Pin_Check" : "NA", "Expiry_Check" : "NA", "Track_Check" : "NA", "CVV_Type" : "0", "CVV_Check" : "NA", "ARQC_Check" : "NA", "3DS_Check" : "NA", "Test_Matrix" : "0", "Test_Results" : "0", "Rules_Checked" : "", "Rules_Triggered" : "", "Rules_Decision" : "00" }, "ISO_MSG" : { "DE2" : "104672464", "DE3_1" : "01", "DE3_2" : "10", "DE3_3" : "00", "DE4" : "000000002000", "DE5" : "000000002000", "DE7" : "0226095648", "DE11" : "093661", "DE12" : "095537", "DE13" : "0226", "DE14" : "2901", "DE15" : "0905", "DE18" : "6011", "DE22" : "051", "DE23" : "001", "DE24" : "000", "DE25" : "02", "DE28" : "C00000000", "DE32" : "0000000062", "DE35" : "5454540000075569=29012210104672464***", "DE37" : "000871832209", "DE39" : "00", "DE41" : "05370446", "DE43" : "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE44" : "22", "DE49" : "826", "DE50" : "826", "DE55" : { "82" : "1800", "95" : "8000040000", "9F10" : "06011203A0A800", "9F27" : "80", "9F36" : "013F", "9F34" : "420100", "9F33" : "604020" }, "DE61" : "25012000000", "DE84" : "D00001500", "DE90" : "010009366102260956480000000006230303132333" }, "RULES" : [ ], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Passive Response
Similar to active, but we neither log nor process the response; we only verify the HTTP response code.
Balance Inquiry from ATM
3. Balance Inquiry from ATMFAST Active Request
{ "MESSAGE_TYPE": { "Message_Type": "0200", "Message_Desc": "Financial Request" }, "SUMMARY": { "TID": "3343364970062093662", "RID": "86280", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 10:08:16", "Network": "BANCNET", "Spend_Type": "ATM - Balance Inquiry", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "0", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "6011 - Financial Institutions--Automated Cash Disbursements", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3531666635867816322", "Test_Results": "0", "Rules_Checked": "", "Rules_Triggered": "", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "30", "DE3_2": "10", "DE3_3": "00", "DE4": "000000000000", "DE5": "000000000000", "DE7": "0226100817", "DE11": "093662", "DE12": "100726", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "6011", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "000593112569", "DE38": "543678", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49": "826", "DE50": "826", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0140", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Active Response
{ "Message_Type": "0210", "RID": 86280, "TID": 3343364970062093662, "DE2": "104672464", "DE4": "000000000000", "DE5": "000000000000", "DE7": "0226100817", "DE11": "093662", "DE38": "543678", "DE39": "00", "DE54": "3002826D000100901800" }FAST Passive Request
{ "MESSAGE_TYPE": { "Message_Type": "0200", "Message_Desc": "Financial Request" }, "SUMMARY": { "TID": "3343364970062093662", "RID": "86280", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 10:08:16", "Network": "BANCNET", "Spend_Type": "ATM - Balance Inquiry", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "0", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "6011 - Financial Institutions--Automated Cash Disbursements", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3531666635867816322", "Test_Results": "0", "Rules_Checked": "", "Rules_Triggered": "", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "30", "DE3_2": "10", "DE3_3": "00", "DE4": "000000000000", "DE5": "000000000000", "DE7": "0226100817", "DE11": "093662", "DE12": "100726", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "6011", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "000593112569", "DE38": "543678", "DE39": "00", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE44": "22", "DE49": "826", "DE50": "826", "DE54": "3002826D000100901800", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0140", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Passive Response
Similar to active, but we neither log nor process the response; we only verify the HTTP response code.
POS Purchase
4. POS PurchaseFAST Active Request
{ "MESSAGE_TYPE": { "Message_Type": "0200", "Message_Desc": "Financial Request" }, "SUMMARY": { "TID": "3343367930062093664", "RID": "86282", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 10:13:13", "Network": "BANCNET", "Spend_Type": "POS - Purchase", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "10", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5734 - Computer Software Stores", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3531666635867816322", "Test_Results": "0", "Rules_Checked": "", "Rules_Triggered": "", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "00", "DE3_2": "10", "DE3_3": "00", "DE4": "000000001000", "DE5": "000000001000", "DE7": "0226101313", "DE11": "093664", "DE12": "101154", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "5734", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "001048036316", "DE38": "089524", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49": "826", "DE50": "826", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0142", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Active Response
{ "Message_Type": "0210", "RID": 86282, "TID": 3343367930062093664, "DE2": "104672464", "DE4": "000000001000", "DE5": "000000001000", "DE7": "0226101313", "DE11": "093664", "DE38": "089524", "DE39": "00" }FAST Passive Request
{ "MESSAGE_TYPE": { "Message_Type": "0200", "Message_Desc": "Financial Request" }, "SUMMARY": { "TID": "3343367930062093664", "RID": "86282", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 10:13:13", "Network": "BANCNET", "Spend_Type": "POS - Purchase", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "10", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5734 - Computer Software Stores", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3531666635867816322", "Test_Results": "0", "Rules_Checked": "", "Rules_Triggered": "", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "00", "DE3_2": "10", "DE3_3": "00", "DE4": "000000001000", "DE5": "000000001000", "DE7": "0226101313", "DE11": "093664", "DE12": "101154", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "5734", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "001048036316", "DE38": "089524", "DE39": "00", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE44": "22", "DE49": "826", "DE50": "826", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0142", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Passive Response
Similar to active, but we neither log nor process the response; we only verify the HTTP response code.
POS - Partial Reversal
5. POS - Partial ReversalFAST Active Request
{ "MESSAGE_TYPE": { "Message_Type": "0420", "Message_Desc": "Reversal Advice" }, "SUMMARY": { "TID": "3343367930062093664", "RID": "86279", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 09:56:50", "Network": "BANCNET", "Spend_Type": "POS - Purchase", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "10", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "PAN", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5734 - Computer Software Stores", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "NA", "Expiry_Check": "NA", "Track_Check": "NA", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "NA", "3DS_Check": "NA", "Test_Matrix": "0", "Test_Results": "0", "Rules_Checked": "", "Rules_Triggered": "", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "00", "DE3_2": "10", "DE3_3": "00", "DE4": "000000001000", "DE5": "000000001000", "DE7": "0226101313", "DE11": "093664", "DE12": "101154", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "6011", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "001048036316", "DE38": "089524", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49": "826", "DE50": "826", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0142", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500", "DE90": "010009366402261013130000000006230303132333", "DE95": "000000000390000000000000000000000000000000" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Active Response
{ "Message_Type": "0430", "RID": 86279, "TID": 3343367930062093664, "DE2": "104672464", "DE4": "000000001000", "DE5": "000000001000", "DE7": "0226101313", "DE11": "093664", "DE39": "00" }FAST Passive Request
{ "MESSAGE_TYPE": { "Message_Type": "0420", "Message_Desc": "Reversal Advice" }, "SUMMARY": { "TID": "3343367930062093664", "RID": "86279", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 09:56:50", "Network": "BANCNET", "Spend_Type": "POS - Purchase", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "10", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "PAN", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5734 - Computer Software Stores", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "NA", "Expiry_Check": "NA", "Track_Check": "NA", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "NA", "3DS_Check": "NA", "Test_Matrix": "0", "Test_Results": "0", "Rules_Checked": "", "Rules_Triggered": "", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "00", "DE3_2": "10", "DE3_3": "00", "DE4": "000000001000", "DE5": "000000001000", "DE7": "0226101313", "DE11": "093664", "DE12": "101154", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "6011", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "001048036316", "DE38": "089524", "DE39": "00", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49": "826", "DE50": "826", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0142", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500", "DE90": "010009366402261013130000000006230303132333", "DE95": "000000000390000000000000000000000000000000" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Passive Response
Similar to active, but we neither log nor process the response; we only verify the HTTP response code.
Balance Inquiry from POS
6. Balance Inquiry from POSFAST Active Request
{ "MESSAGE_TYPE": { "Message_Type": "0200", "Message_Desc": "Financial Request" }, "SUMMARY": { "TID": "3343370430062093665", "RID": "86283", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 10:17:23", "Network": "BANCNET", "Spend_Type": "POS - Balance Inquiry", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "0", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5734 - Computer Software Stores", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3531666635867816322", "Test_Results": "0", "Rules_Checked": "", "Rules_Triggered": "", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "31", "DE3_2": "10", "DE3_3": "00", "DE4": "000000000000", "DE5": "000000000000", "DE7": "0226101723", "DE11": "093665", "DE12": "101713", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "5734", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "001367680499", "DE38": "732337", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE49": "826", "DE50": "826", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0143", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Active Response
{ "Message_Type": "0210", "RID": 86283, "TID": 3343370430062093665, "DE2": "104672464", "DE4": "000000000000", "DE5": "000000000000", "DE7": "0226101723", "DE11": "093665", "DE38": "732337", "DE39": "00", "DE54": "3102826D000100306000" }FAST Passive Request
{ "MESSAGE_TYPE": { "Message_Type": "0200", "Message_Desc": "Financial Request" }, "SUMMARY": { "TID": "3343370430062093665", "RID": "86283", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "26-02-2026 10:17:23", "Network": "BANCNET", "Spend_Type": "POS - Balance Inquiry", "Spend_Location": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "Transaction_Amount": "0", "Transaction_Currency": "GBP", "Billing_Amount": "NA", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5734 - Computer Software Stores", "Account_Id": "859214291", "Customer_Ac": "859214291", "Total_Fee_Bill": "0.0" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "NA", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3531666635867816322", "Test_Results": "0", "Rules_Checked": [], "Rules_Triggered": [], "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "104672464", "DE3_1": "31", "DE3_2": "10", "DE3_3": "00", "DE4": "000000000000", "DE5": "000000000000", "DE7": "0226101723", "DE11": "093665", "DE12": "101713", "DE13": "0226", "DE14": "2901", "DE15": "0905", "DE18": "5734", "DE22": "051", "DE23": "001", "DE24": "000", "DE25": "02", "DE28": "D00000000", "DE32": "0000000062", "DE35": "104672464=29012210104672464***", "DE37": "001367680499", "DE38": "732337", "DE39": "00", "DE41": "05370446", "DE43": "E. RODRIGUEZ AVE. - CUBAOQUEZON CITY PH", "DE44": "22", "DE49": "826", "DE50": "826", "DE54": "3102826D000100306000", "DE55": { "82": "1800", "95": "8000040000", "9F10": "06011203A0A800", "9F27": "80", "9F36": "0143", "9F34": "420100", "9F33": "604020" }, "DE61": "25012000000", "DE84": "D00001500" }, "RULES": [], "DECISION_ENGINE": { "ACTIVE": [ { "id": 12, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 15, "typeName": "ALERT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ], "DRY_RUN": [ { "id": 56, "typeName": "DECLINE", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } }, { "id": 89, "typeName": "CLIENT", "details": { "attributes": [ { "custom-key-x": "custom-value-x" } ] } } ] } }FAST Passive Response
Similar to active, but we neither log nor process the response; we only verify the HTTP response code.
Updated 13 days ago