Authorizations
An authorization is the process where a merchant requests approval for a transaction. It is the step in the payment process that occurs after authentication (if required) and before the final settlement of the transaction.
The authorization ensures that the cardholder has sufficient funds or credit available and that the card is valid for the transaction being attempted.
The Authorizations report is currently running v2.0 and v3.0. You can navigate to the specifications for each version below:
All versions use the same formatting and naming convention:
Format: CSV
File Name: [ClientName_auth_YYYYMMDD].csv
Frequency: Daily
Stored in: Client-hosted SFTP folder
Product applicability: Local Store of Value: Prepaid/Debit, Credit and Remote Store of Value: Prepaid/Debit, Credit
All new clients should integrate with the latest report version (v3.0)
Authorizations report v2.0
Click here to view more information on this version and a sample file
To help you interpret the data in the report, use the table links below:
v2.0 Data fields
Field Name | Description | Example | Format |
|---|---|---|---|
id | Unique identifier for the report entry | 1 | Numeric |
file_date | Date transmitted by processor (should be same as the date in filename, i.e. date, the file is for. May not be same as the date when the file is physically transmitted). | 2023/07/08 | Date: YYYY/MM/DD |
work_date | Date information is referencing. i.e. the date when the transaction was saved in Paymentology. | 2023/07/08 | Date: YYYY/MM/DD |
program_name | Program/Product name in the Paymentology Banking.Live platform | Level Card 1 | Alphabetic |
program_id | Unique Identifier for the Program/Product in the Paymentology Banking.Live platform | 142 | Numeric |
sub_program_name | Sub-Program/Product name in the Paymentology Banking.Live platform | Alphabetic | |
mtid_code | MTID code, i.e. Authorization Request Response/0110 Response Codes. Refer to Commonly used MTIs for a list of common values. | 0100 | Numeric |
response_code | Authorization response code i.e. '00' = approved, '14' = decline (invalid card number), and so on. Refer to: Response Codes (below) | 05 | Numeric |
response_code_description | Authorization response code description associated with code, i.e. approved or declined | Approve | Alphabetic |
response_decline_description | Authorization response code decline description associated with code (decline reason), i.e. insufficient funds, invalid card, etc | Do not honour | Alphabetic |
transaction_code | Transaction code indicating the type of transaction. Refer to: Transaction codes (below) | 00 | Numeric |
transaction_code_description | Transaction code description, i.e. POS, ATM, Account Status Inquiry, etc | Purchase | Alphabetic |
account_number | Unique Account Identifier in the Paymentology Banking.Live platform. Predominantly used for Local Store of Value products. Field will be left blank if not applicable. | 89105 | Numeric |
card_number_proxy | Unique card number proxy/token associated with the card | 68163 | Numeric |
bin | Card number's first six digits | 512344 | Numeric |
authorization_code | Authorization/approval code associated with the applicable transaction | 102512 | Numeric |
transaction_date_time | Local date & time associated with the transaction. | 2023/07/08 | Datetime: |
transaction_amount | Amount the cardholder requested in the local/merchant currency, i.e. Mastercard DE 4 (Amount, Transaction) | 0.00 | Numeric - decimal |
transaction_currency_code | Currency associated with the transaction amount, i.e. Mastercard DE 49 (Currency Code, Transaction) defines the DE 4 (Amount, Transaction) currency. | 840 | Numeric |
transaction_currency_alpha | ISO 3 digits alpha code, i.e. EUR, GBP | USD | Alphabetic |
bill_rate_amount | Exchange rate amount in (billing currency) 1 = yyyyyyyyy.xxxxxx (transaction currency up to 6 decimal points) | 0.797812 | Numeric - decimal |
billing_date | The date associated with 'billing amount'. | 2023/07/08 | Date: |
billing_amount | Transaction amount converted to the issuer's designated cardholder billing currency. i.e. Mastercard DE 6 (Amount, Cardholder Billing) | 6.50 | Numeric - decimal |
billing_currency_code | A currency associated with the billing amount. i.e. Mastercard DE 51 (Currency Code, Cardholder Billing) defines the DE 6 (Amount, Cardholder Billing) currency | 826 | Numeric |
billing_currency_alpha | ISO 3 digits alpha code, i.e. EUR, GBP | GPB | Alphabetic |
merchant_number | Number identifying the merchant submitting the transaction | 980200 | Numeric |
merchant_name | Name of merchant accepting the original transaction | CAFFE NERO | Alphabetic |
merchant_address | Merchant address | 355 CITY AI | Alphanumeric |
merchant_city | Merchant city | LONDON | Alphabetic |
merchant_post_code | Merchant postcode | E16 2PB | Alphanumeric |
merchant_country_code_alpha | ISO 3 digits alpha code, i.e. ITA, ESP | GBR | Alphabetic |
merchant_country_name | Country name associated with the ISO 3-digit alpha country code. In UK English | United Kingdom | Alphabetic |
mcc_code | Merchant category code representing the merchant's line of business | 5814 | Numeric |
mcc_code_description | Description of MCC code - i.e. Airlines, Financial Services, etc | Quick Payment Service-Fast Food Restaurants | Alphabetic |
card_present | Indicates if the card is present at the point of service. i.e. equivalent of Mastercard DE 22 (Point of Service ent p Entry Mode), subfield six at clearing stage --- i.e. card present or card not present | Card not present | Alphabetic |
card_input_mode | Indicates the method used for PAN entry to initiate a transaction (i.e. chip, contactless, eCommerce), i.e. the equivalent of Mastercard DE 22 (Point of Service requi Entry Mode), subfield 7 at clearing stage. Refer to: Card input mode (below) | 7 | Numeric |
cardholder_authentication_method | Indicates the method by which the cardholder's identity was verified at the point of service (PIN verification, etc.), i.e. Equivalent of Mastercard DE 22 (Point of Service d bef Entry Mode), subfield 8 at clearing stage | Cardholder signature | Alphanumeric |
acquirer_id | Acquirer id | 10495 | Numeric |
acquirer_reference_number | Acquirer reference number | 34101 | Numeric |
transaction_id | Transaction thread ID ( Large integer, incremental. You can read more on | 91853 | Numeric |
action | Indicates whether the transaction event is a 'debit' or a 'credit.' | Credit | Numeric |
network | Indicates the network provider. M = Mastercard | M | Alphabetic |
Sample file
id,file_date,work_date,program_name,program_id,sub_program_name,sub_program_id,mtid_code,response_code,response_code_description,response_decline_description,transaction_code,transaction_code_description,account_number,card_number_proxy,bin,authorization_code,transaction_date_time,transaction_amount,transaction_currency_code,transaction_currency_alpha,bill_rate_amount,billing_date,billing_amount,billing_currency_code,billing_currency_alpha,merchant_number,merchant_name,merchant_address,merchant_city,merchant_post_code,merchant_country_code_alpha,merchant_country_name,mcc_code,mcc_code_description,card_present,card_input_mode,cardholder_authentication_method,acquirer_id,acquirer_reference_number,transaction_id,action,network
1,15/01/2023,15/01/2023,Plastic Card Product,123,,,100,0,Approve,,0,Purchase,123456789,987654321,554432,109461,14/01/2023 23:59,-12,344,HKD,1,14/01/2023,-12,344,HKD,8.94E+16,BAKERY,355 CITY AI,HK ,SW1V 3QW,HKG,Hong Kong,5462,Bakeries,Card Present,7,Cardholder signature,12345,123456,2.20E+23,Debit,M
2,15/01/2023,14/01/2023,Plastic Card Product,123,,,100,0,Approve,,0,Purchase,234567890,876543210,554432,110214,14/01/2023 23:59,-105,344,HKD,1,14/01/2023,105,344,HKD,2.30E+16,DELIVERY,,HK ,8053,HKG,Hong Kong,7992,"Golf courses, public",Card not present,1,,321654,2.20E+23,441760,Credit,M
3,15/01/2023,15/01/2023,Plastic Card Product,123,,,100,0,Approve,,0,Purchase,345678900,123456789,554432,794861,15/01/2023 0:00,-56,344,HKD,1,15/01/2023,-56,344,HKD,8P5123456789,GOOGLE SERVICE,,LONDON,28861,GBR,United Kingdom,7832,Motion Picture Theaters,Card Present,79,,2.20E+23,34010102,918534234,Debit,M
4,15/01/2023,15/01/2023,Plastic Card Product,123,,,100,51,Decline,Insufficient Funds,0,Purchase,123456789,987654321,554432,,15/01/2023 0:00,-80,344,HKD,1,15/01/2023,-80,344,HKD,20012345,AMAZON SERVICE,2 Happy Place,HAMPSHIRE,2E 45W,GBR,United Kingdom,5937,Antique Reproduction Stores,Card not present,10,,111111,2.20E+23,7.89E+14,Debit,MAuthorizations report v3.0
Notable changesBelow are the notable differences between v2.0 and v3.0:
Addition of new fields:
rid_authorizationbilling_amount_feesnetwork_response_codenetwork_response_code_descriptionRenaming of fields:
response_coderenamed aspaymentology_response_coderesponse_code_descriptionrenamed aspaymentology_response_code_description
To help you interpret the data in the report, use the links below:
v3.0 Data fields
*Key Field's are indicated in bold.
Field Name | Description | Example | Format |
|---|---|---|---|
id | Unique identifier for the report entry | 1 | Numeric |
file_date | Date transmitted by processor (should be same as the date in filename, i.e. date, the file is for. May not be same as the date when the file is physically transmitted). | 2023/07/08 | Date: YYYY/MM/DD |
work_date | Date information is referencing. i.e. the date when the transaction was saved in Paymentology. | 2023/07/08 | Date: YYYY/MM/DD |
program_name | Program/Product name in the Paymentology Banking.Live platform | Level Card 1 | Alphabetic |
program_id | Unique Identifier for the Program/Product in the Paymentology Banking.Live platform | 142 | Numeric |
sub_program_name | Sub-Program/Product name in the Paymentology Banking.Live platform | Alphabetic | |
mtid_code | MTID code, i.e. Authorization Request Response/0110 Response Codes. Refer to Commonly used MTIs for a list of common values. | 0100 | Numeric |
paymentology_response_code | Authorization response code i.e. '00' = approved, '14' = decline (invalid card number), and so on. Refer to: Response Codes (below) | 05 | Numeric |
paymentology_response_code_description | Authorization response code description associated with code, i.e. approved or declined | Approve | Alphabetic |
network_response_code | Networks initial response code for the transaction, this is used predominantly in Authorization Advisement/0120 messages. In the case the network has initailly approved the transaction, this field will be left blank | 05 | Numeric |
network_response_code_description | Networks intial response code decription, this is used predominantly in Authorization Advisement/0120 messages. In the case the network has initailly approved the transaction, this field will be left blank | Decline | Alphabetic |
response_decline_description | Authorization response code decline description associated with code (decline reason), i.e. insufficient funds, invalid card, etc | Do not honour | Alphabetic |
transaction_code | Transaction code indicating the type of transaction. Refer to: Transaction codes (below) | 00 | Numeric |
transaction_code_description | Transaction code description, i.e. POS, ATM, Account Status Inquiry, etc | Purchase | Alphabetic |
account_number | Unique Account Identifier in the Paymentology Banking.Live platform. Predominantly used for Local Store of Value products. Field will be left blank if not applicable. | 89105 | Numeric |
card_number_proxy | Unique card number proxy/token associated with the card | 68163 | Numeric |
bin | Card number's first six digits | 512344 | Numeric |
authorization_code | Authorization/approval code associated with the applicable transaction | 102512 | Numeric |
transaction_date_time | Local date & time associated with the transaction. | 2023/07/08 | Datetime: |
transaction_amount | Amount the cardholder requested in the local/merchant currency, i.e. Mastercard DE 4 (Amount, Transaction) | 0.00 | Numeric - decimal |
transaction_currency_code | Currency associated with the transaction amount, i.e. Mastercard DE 49 (Currency Code, Transaction) defines the DE 4 (Amount, Transaction) currency. | 840 | Numeric |
transaction_currency_alpha | ISO 3 digits alpha code, i.e. EUR, GBP | USD | Alphabetic |
bill_rate_amount | Exchange rate amount in (billing currency) 1 = yyyyyyyyy.xxxxxx (transaction currency up to 6 decimal points) | 0.797812 | Numeric - decimal |
billing_date | The date associated with 'billing amount'. | 2023/07/08 | Date: |
billing_amount | Transaction amount converted to the issuer's designated cardholder billing currency. i.e. Mastercard DE 6 (Amount, Cardholder Billing) | 6.50 | Numeric - decimal |
billing_currency_code | A currency associated with the billing amount. i.e. Mastercard DE 51 (Currency Code, Cardholder Billing) defines the DE 6 (Amount, Cardholder Billing) currency | 826 | Numeric |
billing_currency_alpha | ISO 3 digits alpha code, i.e. EUR, GBP | GPB | Alphabetic |
merchant_number | Number identifying the merchant submitting the transaction | 980200 | Numeric |
merchant_name | Name of merchant accepting the original transaction | CAFFE NERO | Alphabetic |
merchant_address | Merchant address | 355 CITY AI | Alphanumeric |
merchant_city | Merchant city | LONDON | Alphabetic |
merchant_post_code | Merchant postcode | E16 2PB | Alphanumeric |
merchant_country_code_alpha | ISO 3 digits alpha code, i.e. ITA, ESP | GBR | Alphabetic |
merchant_country_name | Country name associated with the ISO 3-digit alpha country code. In UK English | United Kingdom | Alphabetic |
mcc_code | Merchant category code representing the merchant's line of business | 5814 | Numeric |
mcc_code_description | Description of MCC code - i.e. Airlines, Financial Services, etc | Quick Payment Service-Fast Food Restaurants | Alphabetic |
card_present | Indicates if the card is present at the point of service. i.e. equivalent of Mastercard DE 22 (Point of Service ent p Entry Mode), subfield six at clearing stage --- i.e. card present or card not present | Card not present | Alphabetic |
card_input_mode | Indicates the method used for PAN entry to initiate a transaction (i.e. chip, contactless, eCommerce), i.e. the equivalent of Mastercard DE 22 (Point of Service requi Entry Mode), subfield 7 at clearing stage. Refer to: Card input mode (below) | 7 | Numeric |
cardholder_authentication_method | Indicates the method by which the cardholder's identity was verified at the point of service (PIN verification, etc.), i.e. Equivalent of Mastercard DE 22 (Point of Service d bef Entry Mode), subfield 8 at clearing stage | Cardholder signature | Alphanumeric |
acquirer_id | Acquirer id | 10495 | Numeric |
acquirer_reference_number | Acquirer reference number | 34101 | Numeric |
rid_authorization | Unique identifier for each authorization record, simplifying linking multiple authorizations to a single settlement. | 9876543 | Numeric |
transaction_id | Transaction thread ID ( Large integer, incremental. You can read more on | 91853 | Numeric |
action | Indicates whether the transaction event is a 'debit' or a 'credit.' | Credit | Numeric |
network | Indicates the network provider. M = Mastercard | M | Alphabetic |
billing_amount_fees | Shows program fees deducted from the available balance during authorization, providing clear visibility into transaction costs upfront (subject to change after settlement) | 3.04 | Numeric - decimal |
Sample file
id,file_date,work_date,program_name,program_id,sub_program_name,sub_program_id,mtid_code,paymentology_response_code,paymentology_response_code_description,network_response_code,network_response_code_description,response_decline_description,transaction_code,transaction_code_description,account_number,card_number_proxy,bin,authorization_code,transaction_date_time,transaction_amount,transaction_currency_code,transaction_currency_alpha,bill_rate_amount,billing_date,billing_amount,billing_currency_code,billing_currency_alpha,merchant_number,merchant_name,merchant_address,merchant_city,merchant_post_code,merchant_country_code_alpha,merchant_country_name,mcc_code,mcc_code_description,card_present,card_input_mode,cardholder_authentication_method,acquirer_id,acquirer_reference_number,retrieval_reference_number,rid_authorization,transaction_id,action,network,billing_amount_fees
1,1/10/2024,20/09/2024,Plastic Card Product,1234,,0,100,0,Approve,,,,1,Withdrawal,174527001,987654321,464444,,14/09/2024 13:52,-1,826,GBP,1,14/09/2024,-1,826,GBP,7.69E+11,My Company,355 CITY AI,Edinburgh ,902101234,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,5,,12345678901,860,1.26E+11,5,9900307032,Debit,V,0
2,1/10/2024,20/09/2024,Plastic Card Product,1234,,0,100,0,Approve,,,,1,Withdrawal,174527001,987654321,464444,,15/09/2024 13:52,-1,826,GBP,1,15/09/2024,-1,826,GBP,80001234,Lush living,,Edinburgh ,902101234,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,5,,12345678901,860,1.26E+11,7,8362149513,Debit,V,0
3,1/10/2024,20/09/2024,Plastic Card Product,1234,,0,100,0,Approve,,,,1,Withdrawal,174527001,987654321,464444,,16/09/2024 13:52,-1,826,GBP,1,16/09/2024,-1,826,GBP,2.57E+14,GOT MONEY CA AB,,Edinburgh ,902101234,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,5,,12345678901,860,1.26E+11,9,4199443896,Debit,V,0
4,1/10/2024,22/09/2022,Standard Platinum,1001,,0,100,0,Approve,,,,1,Withdrawal,214162508,838927124,464444,105892,22/09/2022 20:44,-1000,826,GBP,0,22/09/2022,-1000,826,GBP,1000700331,Givememore,2 Happy Place,CITY NAME ,,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,90,,12345678901,628,9.35E+11,2156266,2.09E+18,Debit,V,10
5,1/10/2024,24/09/2022,Standard Platinum,1001,,0,100,0,Approve,,,,1,Withdrawal,445366700,342368357,464444,106849,24/09/2022 3:17,-345,826,GBP,1,24/09/2022,-345,826,GBP,2.06E+11,AMAZON EU gtv ,,AMAZON.CO.UK ,L2338,LUX,Luxembourg,5969,Mail Order/Telephone Order,Card Not Present,81,,14121,989,9.34E+11,2156673,2.09E+18,Debit,M,24.15
6,1/10/2024,27/09/2022,Elite Platinum,4321,,0,100,0,Approve,,,,1,Withdrawal,462013047,966147483,464444,105262,27/09/2022 17:05,-2000,826,GBP,0,27/09/2022,-2000,826,GBP,1.11E+14,APPLE.COM/BILL ITUNES.COM,,CITY NAME ,7800,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,90,,12345678901,683,9.35E+11,2157266,2.10E+18,Debit,V,140
7,1/10/2024,29/09/2022,Elite Platinum,4321,,0,100,0,Approve,,,,1,Withdrawal,480795064,306154022,464444,108380,29/09/2022 19:28,-1200,826,GBP,0,29/09/2022,-1200,826,GBP,343217303,Pradaamerlia,,LA ,7800,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,90,,12345678901,727,9.35E+11,2157783,2.10E+18,Debit,V,84
8,1/10/2024,30/09/2022,Elite Platinum,4321,,0,100,0,Approve,,,,1,Withdrawal,480795064,996630922,464444,104586,30/09/2022 6:11,-30,826,GBP,0,30/09/2022,-30,826,GBP,1.23E+14,Alloallo,,CITY NAME ,7800,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,90,,12345678901,740,9.35E+11,2157920,2.10E+18,Debit,V,2.1
9,1/10/2024,19/09/2022,Elite Platinum,4321,,0,100,0,Approve,,,,0,Purchase,203477546,620614385,464444,101672,19/09/2022 23:40,-657.32,826,GBP,0,19/09/2022,-657.32,826,GBP,343217303,Pradaamerlia,I-27 THE HORSEFAIR,MADRID,W12 7SL,ESP,Spain,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,480,9.35E+11,2155491,2.09E+18,Debit,V,0
10,1/10/2024,19/09/2022,Elite Platinum,4321,,0,420,0,Approve,,,,0,Purchase,203477546,620614385,464444,,19/09/2022 23:49,101.98,826,GBP,0,19/09/2022,101.98,826,GBP,785778389,BRUNELLO CUCINELLI,"UNIT B, BARTON SQUARE",BARCELONA,OX1 1PE,ESP,Spain,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,487,9.35E+11,2155497,2.09E+17,Debit,V,0
11,1/10/2024,21/09/2022,Elite Platinum,4321,,0,100,0,Approve,,,,0,Purchase,100903425,498260675,464444,104546,21/09/2022 18:36,-292.64,826,GBP,0,21/09/2022,-292.64,826,GBP,8.69E+14,ISTYLE,UNIT SU2231 & SU3231,TOLEDO,B24 9FP,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,601,9.35E+11,2156025,2.09E+18,Debit,V,0
12,1/10/2024,21/09/2022,Elite Platinum,4321,,0,100,0,Approve,,,,0,Purchase,100903425,498260675,464444,104551,21/09/2022 18:37,-654.21,826,GBP,0,21/09/2022,-654.21,826,GBP,5.72E+13,Alexander McQueen,,PTO VALL ,,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,602,9.35E+11,2156026,2.09E+18,Debit,V,0
13,1/10/2024,16/11/2022,Elite Platinum,4321,,0,100,0,Approve,,,,0,Purchase,599256412,376971487,464444,,16/11/2022 14:01,-1,826,GBP,0,16/11/2022,-1,826,GBP,6.88E+14,JUMBO\LIMITED LLC,UNIT SU2231 & SU3231,VAUXHALL,M60 1TX,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,90,,12345678901,7859,2.32E+11,2208638,2.15E+18,Debit,V,0
14,1/10/2024,18/11/2022,Elite Platinum,4321,,0,100,0,Approve,,,,20,Purchase Return,629910077,318286359,464444,109320,18/11/2022 21:07,150,826,GBP,0,18/11/2022,150,826,GBP,9.87E+12,Aimn official store,OXFORD WESTGATE,BRISTOL,M60 1TX,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,150,1843074552,2209419,2.15E+18,Credit,V,0
15,1/10/2024,22/11/2022,Elite Platinum,4321,,0,100,0,Approve,,,,70,PIN Change,728492645,502769217,464444,,22/11/2022 12:04,0,826,GBP,0,22/11/2022,0,826,GBP,5.50E+11,Fifa UK,UNIT 1B - 3A,GLASGOW,M60 1TX,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,5,,12345678901,235,650550732,2210420,2.15E+18,Debit,V,0
16,1/10/2024,29/11/2022,Standard Platinum,1001,,0,100,0,Approve,,,,0,Purchase,488157715,389032015,464444,,29/11/2022 13:19,-4,826,GBP,1,29/11/2022,-4,826,GBP,9868979878,Pradaamerlia,,CITY NAME ,8042,GBR,United Kingdom,5972,Stamp and Coin Stores,Card Not Present,1,,12345678901,106,1.26E+11,2213363,2.16E+18,Debit,V,0
17,1/10/2024,29/11/2022,Standard Platinum,1001,,0,100,0,Approve,,,,1,Withdrawal,448333141,954945859,464444,,29/11/2022 20:03,-100,826,GBP,0,29/11/2022,-100,826,GBP,6.77E+14,Honda AU,,CHIHUAHUA ,879905,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,90,,12345678901,138,9.35E+11,2213416,2.16E+18,Debit,V,0
18,1/10/2024,30/11/2022,Standard Platinum,1001,,0,100,0,Approve,,,,30,Balance Inquiry,269817110,370059703,464444,,30/11/2022 15:00,-15,826,GBP,0,30/11/2022,-15,826,GBP,9.79E+14,CHEWTON GLEN HOTELS LI,,GDL ,786998,GBR,United Kingdom,6011,Financial Institutions--Automated Cash Disbursements ,Card Present,90,,12345678901,192,9.35E+11,2213828,2.16E+18,Debit,V,0
19,1/10/2024,2/12/2022,Standard Platinum,1001,,0,100,61,Decline,,,Exceed Cash Limit,0,Purchase,461233538,228595118,464444,,2/12/2022 23:04,-101,826,GBP,0,2/12/2022,-101,826,GBP,6.87E+16,GAME KING LLC,,CHIHUAHUA ,8053,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,54,198421463,2219703,2.16E+18,Debit,V,0
20,1/10/2024,2/12/2022,Standard Platinum,1001,,0,100,63,Decline,,,Security Violation,0,Purchase,461233538,228595118,464444,,2/12/2022 23:04,-101,826,GBP,0,2/12/2022,-101,826,GBP,67834787893,JKL EU,,CHIHUAHUA ,SXW 1SWE,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,55,436083445,2219704,2.16E+18,Debit,V,0
21,1/10/2024,5/12/2022,Elite Platinum,4321,,0,100,55,Decline,,,Invalid pin,0,Purchase,957637097,921600590,464444,,5/12/2022 22:58,-2,826,GBP,0,5/12/2022,-2,826,GBP,6.77E+15,Samsung EU,48-56 CHURCH STREET,RIYADH,BS1 3BB,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,8131,2.34E+11,2220571,2.16E+18,Debit,V,0
22,1/10/2024,5/12/2022,Gold International,4422,,0,100,5,Decline,,,Do not honour,0,Purchase,957637097,921600590,464444,,5/12/2022 23:02,-2,826,GBP,0,5/12/2022,-2,826,GBP,8.70E+17,ACQUIRER NAME ,499-517 OXFORD STREET,London,BS1 3BB,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,8133,2.34E+11,2220572,2.16E+18,Debit,V,0
23,1/10/2024,5/12/2022,Gold International,4422,,0,100,75,Decline,,,Pin Tries Exceeded,0,Purchase,957637097,921600590,464444,,5/12/2022 23:06,-2,826,GBP,0,5/12/2022,-2,826,GBP,6.79E+12,ACQUIRER NAME ,,CITY NAME ,1111111111,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,8135,2.34E+11,2220573,2.16E+18,Debit,V,0
24,1/10/2024,6/12/2022,Gold International,4422,,0,100,0,Approve,,,,20,Purchase Return,706821911,311956673,464444,,6/12/2022 0:59,120,826,GBP,0,6/12/2022,120,826,GBP,79898099887,REFFI 1811 120 ,,CHIHUAHUA ,902101234,GBR,United Kingdom,5999,Miscellaneous & Specialty Retail Stores,Card Present,5,,12345678901,88,1243270642,2220645,2.17E+18,Credit,V,0
25,1/10/2024,15/08/2022,Gold International,4422,,0,100,0,Approve,,,,0,Purchase,908472570,749662400,464444,107950,15/08/2022 19:20,-1000,826,GBP,1,15/08/2022,-1000,826,GBP,1.11E+14,Computer Software ,,London ,902101234,GBR,United Kingdom,5045,"Computers, Computer Peripheral Equipment, and Software ",Card Not Present,81,,9685,413089,80000300034,2147506,2.05E+18,Debit,M,0Response codes
| DE39 Value | Description |
|---|---|
| 0 | Approved or completed successfully |
| 1 | Refer to card issuer |
| 3 | Invalid merchant |
| 4 | Capture card |
| 5 | Do not honor |
| 8 | Honor with ID |
| 10 | Partial Approval |
| 12 | Invalid transaction |
| 13 | Invalid amount |
| 14 | Invalid card number |
| 15 | Invalid issuer |
| 30 | Format error |
| 41 | Lost card |
| 43 | Stolen card |
| 51 | Insufficient funds/over credit limit |
| 54 | Expired card |
| 55 | Invalid PIN |
| 57 | Transaction not permitted to issuer/cardholder |
| 58 | Transaction not permitted to acquirer/terminal |
| 61 | Exceeds withdrawal amount limit |
| 62 | Restricted card |
| 63 | Security violation |
| 65 | Exceeds withdrawal count limit |
| 70 | Contact Card Issuer |
| 71 | PIN Not Changed |
| 75 | The allowable number of PIN tries exceeded |
| 76 | Invalid/nonexistent “To Account” specified |
| 77 | Invalid/nonexistent “From Account” specified |
| 78 | Invalid/nonexistent account specified (general) |
| 81 | Domestic Debit Transaction Not Allowed (Regional use only) |
| 84 | Invalid Authorization Life Cycle |
| 85 | Not declined Valid for all zero amount |
| 86 | PIN Validation is not possible |
| 87 | Purchase Amount Only, No Cash Back Allowed |
| 88 | Cryptographic failure |
| 89 | Unacceptable PIN—Transaction Declined—Retry |
| 91 | Authorization System or issuer system inoperative |
| 92 | Unable to route the transaction |
| 94 | Duplicate transmission detected |
| 96 | System error |
Transaction codes
| Transaction code values | Description |
|---|---|
| 00 | Goods and services Purchase |
| 01 | Withdrawal |
| 09 | Purchase with Cash Back |
| n/a | Quasi-Cash Transaction |
| 17 | Cash Disbursement |
| 20 | Refund/ Credit |
| 28 | Card Load (Message Version 1.2 and above) |
| 30 | Balance Enquiry |
| 31 | Balance Enquiry (Cortex local switch) |
| 90 | PIN Change (Cortex local switch) |
| 91 | PIN Unblock |
| 92 | PIN Change |
Card input mode
Card Input Mode | Description |
|---|---|
00 | PAN entry mode unknown |
01 | PAN manual entry |
02 | PAN auto-entry via magnetic stripe—track data is not required. |
03 | PAN auto-entry via bar code reader |
04 | PAN auto-entry via optical character reader (OCR) |
05 | PAN auto-entry via chip |
07 | PAN auto-entry via contactless M/Chip |
09 | PAN/Token entry via electronic commerce containing DSRP cryptogram in DE 55 (Integrated Circuit Card in th System-Related Data). Data Element Definitions |
10 | Credential on File |
79 | A hybrid terminal with an online connection to the acquirer failed in sending a chip fallback transaction (in which DE 22, subfield 1 = 80) to the issuer. |
80 | The chip card at the chip-capable terminal was unable to process transactions using data on the chip; therefore, the terminal defaulted to the magnetic stripe-read PAN. The full track data has been read from the data encoded on the card and transmitted within the Authorization Request/0100 in DE 45 (Track 1 Data) or DE 35 (Track 2 Data) without alteration or truncation. To use this value, the acquirer must be qualified to use value 90. |
81 | PAN/Token entry via electronic commerce with optional SecureCode-AAV or DSRP cryptogram in UCAF. |
82 | PAN Auto Entry via Server (issuer, acquirer, or third-party vendor system). |
90 | PAN auto-entry via magnetic stripe—the full track data has been read from the data encoded on the card and transmitted within the authorization request in DE 35 (Track 2 Data) or DE 45 (Track 1 Data) without alteration or truncation. |
91 | PAN auto-entry via contactless magnetic stripe—the full track data has been transmitted by the acquirer within the authorization request in DE 35 (Track 2 Data) or DE 45 (Track 1 Data) and forwarded to the issuer without alteration or truncation. |
95 | Visa only. Chip card with unreliable Card Verification Value (CVV) data. |
Alignment to other reports
rid_authorizationis the same as thePY\_\_RID_Authorizationfield found in the Presentments and Interchange reports. You can use these fields to match transaction message records.card_number_proxyis the same as thePY\_\_Tokenfield found in the Presentments, Interchange and Fees reports and theTokenfield found in the Program fees report.transaction_idis the same as thePY\_\_Transaction_IDfield found in the Presentments, Interchange and Fees reports and theTransaction_IDfield found in the Program fees report. You can use these fields to match transaction threads.
Alignment to FAST messages
rid_authorizationis the same as theRIDfield found in FAST authorization messages and theADD_REF_RIDfield found in FAST V3 clearing and settlement messages. You can use these fields to match transaction message records.card_number_proxyis the same as the"DE2"field found in FAST authorization messages and the"2"(Mastercard) or"Account Number"(Visa) field found in FAST V3 clearing and settlement messages.transaction_idis the same as the"TID"field found in both FAST authorization messages and FAST V3 clearing and settlement messages. You can use these fields to match transaction threads.billing\_amount\_feesis the same as the"Total\_Fee\_Bill"found in both FAST authorization messages and FAST V3 clearing and settlement messages.
Updated 7 months ago