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Authorization Samples - Jaywan

Here are some FAST authorization message samples for clients using Jaywan

Samples generated based on Jaywan Certification on UAT ( altering client level data like tokens, transaction id, account id, client id and so on )

  1. POS Purchase 
      ### 1. POS Purchase

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0200",
      "Message_Desc": "Financial Request"
    },
    "SUMMARY": {
      "TID": "1234503837197024451",
      "RID": "1235503",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "12-03-2026 05:39:44",
      "Network": "UAE",
      "Spend_Type": "POS - Purchase",
      "Spend_Location": "FIME Test POSCT Abu Dhabi AZAE",
      "Transaction_Amount": "1000",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "Chip",
      "Customer_Validation": "Online Pin + ARQC",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "123693312",
      "Customer_Ac": "1245793389",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "PASS",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "PASS",
      "3DS_Check": "NA",
      "Test_Matrix": "3531666635867816346",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "126634660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000100000",
      "DE7": "0312053943",
      "DE11": "024451",
      "DE12": "093943",
      "DE13": "0312",
      "DE14": "3103",
      "DE15": "0312",
      "DE17": "0312",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "051",
      "DE23": "000",
      "DE25": "00",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE35": "126634660D31036010000000000***",
      "DE37": "607109024451",
      "DE38": "505278",
      "DE41": "A0000002",
      "DE42": "123456789012345",
      "DE43": "FIME Test POSCT Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE55": {
        "82": "1900",
        "95": "0000048000",
        "9F10": "0FB501A000400000000000000000000000000000000000000000000000000000",
        "9F27": "80",
        "9F36": "002A",
        "9F34": "420300",
        "9F33": "E0F848"
      },
      "DE57": "003912",
      "DE60": "00000000+000POS1",
      "DE61": "010000000039999999999"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  2. Pre-Authorization: E commerce (CIT) 
      ### 2. Pre-Authorization: E commerce (CIT)

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0100",
      "Message_Desc": "Pre-Authorisation Request"
    },
    "SUMMARY": {
      "TID": "1234199867197498330",
      "RID": "1234470",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "12-03-2026 05:33:07",
      "Network": "UAE",
      "Spend_Type": "ECOM - Purchase",
      "Spend_Location": "FIME Test eComm Abu Dhabi AZAE",
      "Transaction_Amount": "1",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "E-Commerce Mode",
      "Customer_Validation": "CVV2",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "2",
      "CVV_Check": "PASS",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "3531385092188406232",
      "Test_Results": "2305843009213693952",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "123434660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000100",
      "DE7": "0312053306",
      "DE11": "869066",
      "DE12": "093306",
      "DE13": "0312",
      "DE14": "3103",
      "DE15": "0312",
      "DE17": "0312",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "810",
      "DE25": "59",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109869066",
      "DE38": "372404",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test eComm Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE60": "00000000+000POS1",
      "DE61": "203510400619999999999",
      "DE63": "0215031205330649833",
      "DE104": "0103***0201M030205044000050200357261938472610583726100000260710501M"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  3. Pre Authorization Incremental: E Commerce (MIT) 
      ### 3. Pre Authorization Incremental: E Commerce (MIT)

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0100",
      "Message_Desc": "Pre-Authorisation Increment Request"
    },
    "SUMMARY": {
      "TID": "1234199867197498330",
      "RID": "1234471",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "12-03-2026 05:31:26",
      "Network": "UAE",
      "Spend_Type": "ECOM - Purchase",
      "Spend_Location": "FIME Test eComm Abu Dhabi AZAE",
      "Transaction_Amount": "1",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "E-Commerce Mode",
      "Customer_Validation": "CVV2",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "2",
      "CVV_Check": "PASS",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "3531385092188406232",
      "Test_Results": "2305843009213693952",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "123434660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000100",
      "DE7": "0312053125",
      "DE11": "869066",
      "DE12": "093125",
      "DE13": "0312",
      "DE14": "3103",
      "DE15": "0312",
      "DE17": "0312",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "810",
      "DE25": "59",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109869066",
      "DE38": "465037",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test eComm Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE60": "00000000+000POS1",
      "DE61": "203510600619999999999",
      "DE63": "0215031205330649833",
      "DE104": "0103***0201M030205044000050200357261938472610583726100000260710501M"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  4. Pre Authorization Completion (Financial Advice) 
      ### 4. Pre Authorization Completion (Financial Advice)

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0220",
      "Message_Desc": "Financial Advice"
    },
    "SUMMARY": {
      "TID": "1234199867197498330",
      "RID": "1234472",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "11-03-2026 11:32:39",
      "Network": "UAE",
      "Spend_Type": "POS - Purchase",
      "Spend_Location": "FIME Test POSCL Abu Dhabi AZAE",
      "Transaction_Amount": "2",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "Contactless Chip",
      "Customer_Validation": "PAN",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "3531385092171628952",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "123434660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000200",
      "DE7": "0311113239",
      "DE11": "791669",
      "DE12": "153239",
      "DE13": "0311",
      "DE14": "3103",
      "DE15": "0311",
      "DE17": "0311",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "071",
      "DE23": "000",
      "DE25": "06",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109869066",
      "DE38": "571327",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test POSCL Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE55": {},
      "DE57": "003910",
      "DE60": "00000000+000POS1",
      "DE61": "000000400039999999999",
      "DE63": "0215031205330649833"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  5. Refund 
      ### 5. Refund

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0200",
      "Message_Desc": "Financial Request"
    },
    "SUMMARY": {
      "TID": "1234199867197598330",
      "RID": "2234471",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "12-03-2026 05:35:35",
      "Network": "UAE",
      "Spend_Type": "POS - Return of Goods-Credit",
      "Spend_Location": "FIME Test POSCL Abu Dhabi AZAE",
      "Transaction_Amount": "100",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "Contactless Chip",
      "Customer_Validation": "Online Pin",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "PASS",
      "Expiry_Check": "NA",
      "Track_Check": "NA",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "2378463656284258330",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "123434660",
      "DE3_1": "20",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000010000",
      "DE7": "0312053534",
      "DE11": "297888",
      "DE12": "093534",
      "DE13": "0312",
      "DE14": "3103",
      "DE15": "0312",
      "DE17": "0312",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "071",
      "DE23": "000",
      "DE25": "00",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE35": "123434660D31036010000000000***",
      "DE37": "607109297888",
      "DE38": "000000",
      "DE41": "A0000003",
      "DE42": "123456789012345",
      "DE43": "FIME Test POSCL Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE55": {
        "82": "1900",
        "95": "0000048000",
        "9F10": "0FB501A000400000000000000000000000000000000000000000000000000000",
        "9F27": "80",
        "9F36": "001B",
        "9F34": "420300",
        "9F33": "E0F848"
      },
      "DE57": "003912",
      "DE60": "00000000+000POS1",
      "DE61": "000000000039999999999"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  6. Reversal/Void 
      ### 6. Reversal/Void

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0400",
      "Message_Desc": "Reversal Request"
    },
    "SUMMARY": {
      "TID": "1234199867197498330",
      "RID": "1234476",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "12-03-2026 05:30:30",
      "Network": "UAE",
      "Spend_Type": "ECOM - Purchase",
      "Spend_Location": "FIME Test eComm Abu Dhabi AZAE",
      "Transaction_Amount": "1",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "E-Commerce Mode",
      "Customer_Validation": "PAN",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "NA",
      "Track_Check": "NA",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "2378463587564781656",
      "Test_Results": "2305843009213693952",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "123434660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000100",
      "DE7": "0312053029",
      "DE11": "998545",
      "DE12": "093027",
      "DE13": "0312",
      "DE14": "3103",
      "DE15": "0312",
      "DE17": "0312",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "810",
      "DE25": "59",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109998545",
      "DE38": "171625",
      "DE39": "17",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test eComm Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE60": "00000000+000POS1",
      "DE61": "203510000619999999999",
      "DE63": "0215031205302799854",
      "DE90": "010099854503120530270078419719700000000000"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  7. Balance Inquiry 
      ### 7. Balance Inquiry

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0200",
      "Message_Desc": "Financial Request"
    },
    "SUMMARY": {
      "TID": "1223616839895224547",
      "RID": "1785499",
      "PID": "2098",
      "Client_Id": "123456",
      "Transaction_Date_Time": "06-02-2026 17:09:04",
      "Network": "UAE",
      "Spend_Type": "POS - NA",
      "Spend_Location": "UAESWITCH-CENTRAL-BANK-01ABUDHABI AE",
      "Transaction_Amount": "0",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "Contactless Chip",
      "Customer_Validation": "Online Pin + ARQC",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "123483422",
      "Customer_Ac": "831400432",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "PASS",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "PASS",
      "3DS_Check": "NA",
      "Test_Matrix": "3531666635867816346",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "234403371",
      "DE3_1": "31",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000000",
      "DE7": "0206170803",
      "DE11": "224547",
      "DE12": "210804",
      "DE13": "0206",
      "DE14": "3010",
      "DE15": "0206",
      "DE17": "0206",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "071",
      "DE23": "000",
      "DE25": "00",
      "DE32": "784589895",
      "DE33": "784589895",
      "DE35": "234403371D30102262163300000***",
      "DE37": "603721084569",
      "DE38": "923257",
      "DE41": "00283966",
      "DE42": "MERCH0000000001",
      "DE43": "FIME Test POSCT Abu Dhabi AZAE",
      "DE48": "MERCH0000000001",
      "DE49": "784",
      "DE55": {
        "82": "5C00",
        "95": "0000040000",
        "9F10": "06011203A0B806",
        "9F27": "80",
        "9F36": "0070",
        "9F34": "010302",
        "9F33": "E0E080"
      },
      "DE57": "003810",
      "DE60": "00000000+000POS1",
      "DE61": "000000000837849999999"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -5000.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  8. Account Status Inquiry 
      ### 8. Account Status Inquiry

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0100",
      "Message_Desc": "Authorisation Request"
    },
    "SUMMARY": {
      "TID": "2457198977197948762",
      "RID": "2695467",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "12-03-2026 05:31:38",
      "Network": "UAE",
      "Spend_Type": "ECOM - Purchase",
      "Spend_Location": "FIME Test eComm Abu Dhabi AZAE",
      "Transaction_Amount": "0",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "E-Commerce Mode",
      "Customer_Validation": "CVV2",
      "Processor_Decision_Code": "85",
      "Processor_Reason_Code": "204",
      "Processor_Decision_Desc": "Approve - Acc Enq no avs, no cvv req",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120693311",
      "Customer_Ac": "6028793311",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "2",
      "CVV_Check": "PASS",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "3531385092188520856",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "85"
    },
    "ISO_MSG": {
      "DE2": "195554660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000000",
      "DE7": "0312053137",
      "DE11": "948762",
      "DE12": "093137",
      "DE13": "0312",
      "DE14": "3103",
      "DE15": "0312",
      "DE17": "0312",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "810",
      "DE25": "51",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109948762",
      "DE38": "320513",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test eComm Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE60": "00000000+000POS1",
      "DE61": "203510800619999999999",
      "DE63": "0215031205313794876",
      "DE100": "784409887",
      "DE104": "0201M"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  9. Ecom Partial Reversal 
      ### 9. Ecom Partial Reversal

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0400",
      "Message_Desc": "Reversal Request"
    },
    "SUMMARY": {
      "TID": "1234199867197498330",
      "RID": "1234475",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "12-03-2026 05:32:49",
      "Network": "UAE",
      "Spend_Type": "ECOM - Purchase",
      "Spend_Location": "FIME Test eComm Abu Dhabi AZAE",
      "Transaction_Amount": "1",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "E-Commerce Mode",
      "Customer_Validation": "PAN",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "NA",
      "Track_Check": "NA",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "2378463587564781656",
      "Test_Results": "2305843009213693952",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "123434660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000100",
      "DE7": "0312053248",
      "DE11": "044431",
      "DE12": "093246",
      "DE13": "0312",
      "DE14": "3103",
      "DE15": "0312",
      "DE17": "0312",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "810",
      "DE25": "59",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109044431",
      "DE38": "587525",
      "DE39": "32",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test eComm Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE60": "00000000+000POS1",
      "DE61": "203510B00619999999999",
      "DE63": "0215031205324644431",
      "DE90": "010004443103120532460078419719700000000000",
      "DE95": "000000000200000000000000000000000000000000"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  10. ATM Cash Withdrawal 
      ### 10. ATM Cash Withdrawal

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0200",
      "Message_Desc": "Financial Request"
    },
    "SUMMARY": {
      "TID": "4346411557197215592",
      "RID": "1765106",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "11-03-2026 11:26:26",
      "Network": "UAE",
      "Spend_Type": "ATM - Withdrawal",
      "Spend_Location": "FIME Test ATMCT Abu Dhabi AZAE",
      "Transaction_Amount": "100",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "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": "123483422",
      "Customer_Ac": "831400432",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "PASS",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "PASS",
      "3DS_Check": "NA",
      "Test_Matrix": "3531666635867947418",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "234403371",
      "DE3_1": "01",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000010000",
      "DE7": "0311112625",
      "DE11": "205592",
      "DE12": "152625",
      "DE13": "0311",
      "DE14": "3003",
      "DE15": "0311",
      "DE17": "0311",
      "DE18": "6011",
      "DE19": "784",
      "DE22": "051",
      "DE23": "000",
      "DE25": "00",
      "DE32": "784197197",
      "DE35": "234403371D30102262163300000***",
      "DE37": "607015205592",
      "DE38": "653241",
      "DE41": "A0000004",
      "DE42": "123456789012345",
      "DE43": "FIME Test ATMCT Abu Dhabi AZAE",
      "DE49": "784",
      "DE55": {
        "82": "1900",
        "95": "8000040000",
        "9F10": "0FB501A000400000000000000000000000000000000000000000000000000000",
        "9F27": "80",
        "9F36": "0009",
        "9F34": "420300",
        "9F33": "604020"
      },
      "DE57": "003912"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -5000.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  11. Financial Advice (Debit) 
      ### 11. Financial Advice (Debit)

  DISCLAIMER: Samples generated based on the data element definition document and are not from real case scenario (jaywan certifications)

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0220",
      "Message_Desc": "Financial Advice"
    },
    "SUMMARY": {
      "TID": "2234199867197498330",
      "RID": "2234472",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "11-03-2026 11:32:39",
      "Network": "UAE",
      "Spend_Type": "POS - Purchase",
      "Spend_Location": "FIME Test POSCL Abu Dhabi AZAE",
      "Transaction_Amount": "2",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "Contactless Chip",
      "Customer_Validation": "PAN",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "3531385092171628952",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "423434660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000200",
      "DE7": "0311113239",
      "DE11": "791669",
      "DE12": "153239",
      "DE13": "0311",
      "DE14": "3103",
      "DE15": "0311",
      "DE17": "0311",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "071",
      "DE23": "000",
      "DE25": "09",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109869066",
      "DE38": "571327",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test POSCL Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE55": {},
      "DE57": "003910",
      "DE60": "00000000+000POS1",
      "DE61": "000000400039999999999",
      "DE63": "0215031205330649833"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>
  12. Financial Advice (Credit) 
      ### 12. Financial Advice (Credit)

  ```json
  {
    "MESSAGE_TYPE": {
      "Message_Type": "0220",
      "Message_Desc": "Financial Advice"
    },
    "SUMMARY": {
      "TID": "4234199867197498330",
      "RID": "6234472",
      "PID": "2619",
      "Client_Id": "123456",
      "Transaction_Date_Time": "11-03-2026 11:32:39",
      "Network": "UAE",
      "Spend_Type": "POS - Purchase",
      "Spend_Location": "FIME Test POSCL Abu Dhabi AZAE",
      "Transaction_Amount": "2",
      "Transaction_Currency": "AED",
      "Billing_Amount": "NA",
      "Billing_Currency": "NA",
      "Card_Use_Type": "Contactless Chip",
      "Customer_Validation": "PAN",
      "Processor_Decision_Code": "00",
      "Processor_Reason_Code": "000",
      "Processor_Decision_Desc": "Approve",
      "Merchant_Category": "5411 - Grocery Stores and Supermarkets",
      "Account_Id": "120393322",
      "Customer_Ac": "1268793388",
      "Total_Fee_Bill": "0.0"
    },
    "PROCESSOR_VALIDATIONS": {
      "Pan_Check": "PASS",
      "Pin_Check": "NA",
      "Expiry_Check": "PASS",
      "Track_Check": "PASS",
      "CVV_Type": "0",
      "CVV_Check": "NA",
      "ARQC_Check": "NA",
      "3DS_Check": "NA",
      "Test_Matrix": "3531385092171628952",
      "Test_Results": "0",
      "Rules_Checked": "92103",
      "Rules_Triggered": "",
      "Rules_Decision": "00"
    },
    "ISO_MSG": {
      "DE2": "423434660",
      "DE3_1": "00",
      "DE3_2": "00",
      "DE3_3": "00",
      "DE4": "000000000200",
      "DE7": "0311113239",
      "DE11": "791669",
      "DE12": "153239",
      "DE13": "0311",
      "DE14": "3103",
      "DE15": "0311",
      "DE17": "0311",
      "DE18": "5411",
      "DE19": "784",
      "DE22": "071",
      "DE23": "000",
      "DE25": "10",
      "DE32": "784197197",
      "DE33": "784197197",
      "DE37": "607109869066",
      "DE38": "571327",
      "DE41": "A0000001",
      "DE42": "123456789012345",
      "DE43": "FIME Test POSCL Abu Dhabi AZAE",
      "DE48": "1234567890123456789ABCD0784",
      "DE49": "784",
      "DE55": {},
      "DE57": "003910",
      "DE60": "00000000+000POS1",
      "DE61": "000000400039999999999",
      "DE63": "0215031205330649833"
    },
    "RULES": [
      {
        "Rule_Id": 92103,
        "Rule_Type": "Au",
        "Rule_Check_Result": 0,
        "Pattern_Result": false,
        "Current_Txn_Amt_Deviation": -4640.0,
        "Aggregate_Deviation": 0.0,
        "Count_Deviation": 0
      }
    ]
  }
  ```

</details>

Updated 3 months ago

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