Clearing and settlement samples - Visa
Sample FAST request and response messages for various typical settlement scenarios are provided in this guide.
You can read more on FAST's clearing and settlement payload for Visa here.
Click the transaction type to view the full sample message.
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Sales draft
### 1. Sales draft ```json TC05 { "PacketType": "TC05", "Header": { "DE2": "987654321", "source": "V", "rid_set": "4321000022", "rid_auth": "123456", "tid": "1234567891011121314", "cid": "654321", "customer_account": "111111111" }, "iso_msg": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": "Z", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "76543211240000090123456", "Acquirer's Business ID": "10054321", "Purchase Date(MMDD) ": "0828", "Destination Amount": "211.43", "Destination Currency Code": "400", "Source Amount": "211.43", "Source Currency Code ": "400", "Merchant Name": "ONLINESTORE123.COM ", "Merchant City": "singapore ", "Merchant Country Code ": "SG ", "Merchant Category Code": "5651", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "N", "Authorization Code": "107090", "POS Terminal Capability": "1", "Reserved": " ", "Cardholder ID Method": "4", "Collection-Only Flag": " ", "POS Entry Mode ": "01", "Central Processing Date(YDDD) ": "1240", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": " ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": ", ", "Special Condition Indicators": " ", "Fee Program Indicator": "947", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "444412300200123", "Terminal ID": " ", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": "7", "Special Chargeback Indicator": " ", "Interface Trace Number": "124000", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": "1", "AVS Response Code": "G", "Authorization Source Code ": " ", "Purchase Identifier Format": "0", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": " ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_5": { "Transaction Identifier": "301234012345678", "Authorized Amount": "000000211430", "Authorization Currency Code": "400", "Authorization Response Code": " ", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "01", "Multiple Clearing Sequence Count": "01", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": "Y", "Merchant Telephone Number": "+8881234560789", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": "P ", "Merchant Verification Value": " ", "Interchange Fee Amount": "-5.375340", "Interchange Fee Sign": "C", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": "N ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": "M" } } } ``` </details> -
Credit voucher
### 2. Credit voucher ```json TC06 { "PacketType": "TC06", "Header": { "DE2": "987654321", "source": "V", "rid_set": "4321000789", "rid_auth": "123456", "tid": "1234567891011121314", "cid": "654321", "customer_account": "012345678" }, "iso_msg": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "76543001234000123456789", "Acquirer's Business ID": "10050321", "Purchase Date(MMDD) ": "0828", "Destination Amount": "7.08", "Destination Currency Code": "400", "Source Amount": "10.00", "Source Currency Code ": "840", "Merchant Name": "MERCHANT NAME ", "Merchant City": "Singapore ", "Merchant Country Code ": "SG ", "Merchant Category Code": "4829", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "N", "Authorization Code": "100123", "POS Terminal Capability": "1", "Reserved": " ", "Cardholder ID Method": "4", "Collection-Only Flag": " ", "POS Entry Mode ": "01", "Central Processing Date(YDDD) ": "1240", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": "A00123 ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": "123456789000 1234A XXXXXX XXXXXXX JO ", "Special Condition Indicators": " ", "Fee Program Indicator": "123", "Issuer Charge": " ", "Reserved2": "Y", "Card Acceptor ID": "Name ", "Terminal ID": "CNP TX ", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": "7", " Special Chargeback Indicator": " ", "Interface Trace Number": "123000", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": " ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_3": { "Reserved": " ", "Fast Funds Indicator": "Y", "Business Format Code(CR)": "CR", "Business Application ID": "AB", "Source of Funds": " ", "Payment Reversal Reason Code": " ", "Sender Reference Number": "123456789000 ", "Sender Account Number": " ", "Sender Name ": "Name of sender ", "Sender Address": "1234A XXXXXX XXXXXXX ", "Sender City": "Gotham City ", "Sender State": " ", "Sender Country": "123" }, "tcr_5": { "Transaction Identifier": "301230987654321", "Authorized Amount": "000000001000", "Authorization Currency Code": "840", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "00", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": "2007030000", "Interchange Fee Amount": "-0.600000", "Interchange Fee Sign": "C", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "05141243", "Optional Issuer ISA Amount": "0.00", "Product ID": "N ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " }, "tcr_D": { "Business Format Code": "OC", "Recipient Name": "Bruce Wayne ", "Reserved": " " } } } ``` </details> -
Cash disbursement
### 3. Cash disbursement ```json TC07 { "PacketType": "TC07", "Header": { "DE2": "987654321", "source": "V", "rid_set": "321000001", "rid_auth": "12345", "tid": "1234567891011121314", "cid": "654321", "customer_account": "987654321", "total_bill_fee": "0.00" }, "iso_msg": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": "Z", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "76543232153000123754321", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "0602", "Destination Amount": "66.66", "Destination Currency Code": "784", "Source Amount": "2000.00", "Source Currency Code ": "941", "Merchant Name": "SHOPPING STORE 3 ", "Merchant City": "SOMBOR ", "Merchant Country Code ": "RS ", "Merchant Category Code": "6011", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service ": "9", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "E", "Authorization Code": "123456", "POS Terminal Capability": "5", "Reserved": " ", "Cardholder ID Method": "2", "Collection-Only Flag": " ", "POS Entry Mode ": "05", "Central Processing Date(YDDD) ": "2154", "Reimbursement Attribute": "H" }, "tcr_1": { "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": "A0123 ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": "8C1", "Issuer Charge": "S", "Reserved2": "Y", "Card Acceptor ID": "EBNS ATM C11250", "Terminal ID": "A123045", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": "2153 0", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": " ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_4": { "Agent Unique ID": " ", "Reserved": " ", "Business Format Code": "SD", "Network Identification Code": "0002", "Contact for Information": "5 2 2 ", "Adjustment Processing Indicator": " ", "Message Reason Code": " ", "Surcharge Amount": "+0.00", "Surcharge Credit/Debit Indicator": "DB", "Visa Internal Use Only": " ", "Reserved 2": " ", "Surcharge Amount in Cardholder Billing Currency": "0.00", "Money Transfer Foreign Exchange Fee": "0.00", "Payment Account Reference": "V0010012345633303101234567890", "Token Requester ID ": "00000000000", "Reserved 3": " " }, "tcr_5": { "Transaction Identifier": "500000123456789", "Authorized Amount": "000000200000", "Authorization Currency Code": "941", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "00", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "+2.733632", "Interchange Fee Sign": "D", "Source Currency to Base Currency Exchange Rate": "08907276", "Base Currency to Destination Currency Exchange Rate": "06272213", "Optional Issuer ISA Amount": "0.00", "Product ID": "G3", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " }, "tcr_7": { "Transaction Type": "01", "Card Sequence Number": "000", "Terminal Transaction Date": "220602", "Terminal Capability Profile": "102030", "Terminal Country Code": "123", "Terminal Serial Number": " ", "Unpredictable Number": "123E4321", "Application Transaction Counter": "0016", "Application Interchange Profile": "4321", "Cryptogram": "E123AABC1F1A789E", "Issuer Application Data Byte 2": "01", "Issuer Application Data Byte 3 ": "12", "Terminal Verification Results": "8000090000", "Issuer Application Data Byte 4-7": "03Z02001", "Cryptogram Amount": "000000200000", "Issuer Application Data Byte 8": "00", "Issuer Application Data Byte 9-16": "0000000000000000", "Issuer Application Data Byte 1": "06", "Issuer Application Data Byte 17": "00", "Issuer Application Data Byte 18-32": "000000000000000000000000000000", "Form Factor Indicator": " ", "Issuer Script 1 Results": " " } } } ``` </details> -
Sales draft reversal
### 4. Sales draft reversal ```json TC25 { "PacketType": "TC25", "Header": { "DE2": "987654321", "source": "V", "rid_set": "43210000002", "rid_auth": "7654321", "tid": "123456789101112314", "cid": "123456", "customer_account": "123456789", "total_bill_fee": "0.00" }, "iso_msg": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "70000001234000000054321", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "1030", "Destination Amount": "3.00", "Destination Currency Code": "784", "Source Amount": "3.00", "Source Currency Code ": "784", "Merchant Name": "ACQUIRER NAME ", "Merchant City": " CITY NAME ", "Merchant Country Code ": "US ", "Merchant Category Code": "5999", "Merchant ZIP Code": "81102", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "9", "Authorization Code": "123000", "POS Terminal Capability": "2", "Reserved": " ", "Cardholder ID Method": "1", "Collection-Only Flag": " ", "POS Entry Mode ": "90", "Central Processing Date(YDDD) ": "1303", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": "0", "Token Assurance Level": "00", "Reserved1": "000000000", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": "000", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "CARD ACCEPTOR ", "Terminal ID": "T000000123", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": " ", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": "00", "Purchase Identifier": "123011004321 ", "Cashback": "0.00", "Chip Condition Code": "1", "POS Environment": " " }, "tcr_5": { "Transaction Identifier": "000123011004321", "Authorized Amount": "000000000300", "Authorization Currency Code": "784", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "01", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "0.000000", "Interchange Fee Sign": " ", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": " ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
Cash disbursement reversal
### 5. Cash disbursement reversal ```json TC27 { "PacketType": "TC27", "Header": { "DE2": "987654321", "source": "V", "rid_set": "54321000002", "rid_auth": "7654321", "tid": "1234567891011121314", "cid": "123456", "customer_account": "9123456789", "total_bill_fee": "0.00" }, "iso_msg": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "70000001234000000054321", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "1212", "Destination Amount": "75.71", "Destination Currency Code": "784", "Source Amount": "20.00", "Source Currency Code ": "840", "Merchant Name": "ACQUIRER NAME ", "Merchant City": " CITY NAME ", "Merchant Country Code ": "US ", "Merchant Category Code": "6011", "Merchant ZIP Code": "81102", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "9", "Authorization Code": "112233", "POS Terminal Capability": "2", "Reserved": " ", "Cardholder ID Method": "1", "Collection-Only Flag": " ", "POS Entry Mode ": "90", "Central Processing Date(YDDD) ": "1346", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": "0", "Token Assurance Level": "00", "Reserved1": "000000000", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": "000", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "ACQUIRER NAME ", "Terminal ID": "TERMID01", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": " ", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": "00", "Purchase Identifier": "123450000789 ", "Cashback": "0.00", "Chip Condition Code": "1", "POS Environment": " " }, "tcr_5": { "Transaction Identifier": "123450000789", "Authorized Amount": "000000002000", "Authorization Currency Code": "840", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "01", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "0.000000", "Interchange Fee Sign": " ", "Source Currency to Base Currency Exchange Rate": "04037857", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": " ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
V2 Credit voucher reversal
### 6. V2 Credit voucher reversal ```json V2 Credit voucher reversal { "PacketType": "TC26", "Header": { "DE2": "123456789", "source": "V", "rid_set": "4987654321", "rid_auth": "412345", "tid": "2123456789098765432", "cid": "498765", "customer_account": "9876543210", "total_bill_fee": "0.00" }, "iso_msg": { "tcr_0": { "Transaction Code": "26", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "0", "Account Number": "123456789", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "7400123456790987654321", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "0526", "Destination Amount": "162.66", "Destination Currency Code": "484", "Source Amount": "162.66", "Source Currency Code ": "484", "Merchant Name": "STORE NAME ", "Merchant City": "CITY NAME ", "Merchant Country Code ": "MX ", "Merchant Category Code": "5300", "Merchant ZIP Code": "52760", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "N", "Authorization Code": "109678", "POS Terminal Capability": " ", "Reserved": " ", "Cardholder ID Method": " ", "Collection-Only Flag": " ", "POS Entry Mode ": "05", "Central Processing Date(YDDD) ": "3150", "Reimbursement Attribute": "B" }, "tcr_1": { "Transaction Code": "26", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "1", "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": " ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": " ", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "01854321 ", "Terminal ID": " ", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": "3149 0", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "V", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": " ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_5": { "Transaction Code": "26", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "5", "Transaction Identifier": "321000987654321", "Authorized Amount": "000000016266", "Authorization Currency Code": "484", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "00", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "0.000000", "Interchange Fee Sign": " ", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": "F ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
V2 Cash disbursement reversal
### 7. V2 Cash disbursement reversal ```json V2 Cash disbursement reversal { "PacketType": "TC27", "Header": { "DE2": "123456789", "source": "V", "rid_set": "4987654321", "rid_auth": "412345", "tid": "2123456789098765432", "cid": "498765", "customer_account": "9876543210", "total_bill_fee": "6.00000000" }, "iso_msg": { "tcr_0": { "Transaction Code": "27", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "0", "Account Number": "123456789", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "7400123456790987654321", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "0603", "Destination Amount": "100.00", "Destination Currency Code": "826", "Source Amount": "100.00", "Source Currency Code ": "826", "Merchant Name": "THE COOLEST HOLIDAY PARK ", "Merchant City": "CITY NAME ", "Merchant Country Code ": "GB ", "Merchant Category Code": "6011", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "8", "Authorization Characteristics Indicator": "N", "Authorization Code": "103365", "POS Terminal Capability": "5", "Reserved": " ", "Cardholder ID Method": "2", "Collection-Only Flag": " ", "POS Entry Mode ": "05", "Central Processing Date(YDDD) ": "3154", "Reimbursement Attribute": "2" }, "tcr_1": { "Transaction Code": "27", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "1", "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": " ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": " ", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "1234000011 ", "Terminal ID": "ABC04321", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": "3155 0", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": " ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_4": { "Transaction Code": "27", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "4", "Agent Unique ID": " ", "Reserved": " ", "Business Format Code": "SD", "Network Identification Code": "0002", "Contact for Information": "5 ", "Adjustment Processing Indicator": " ", "Message Reason Code": "2502", "Surcharge Amount": "+0.00", "Surcharge Credit/Debit Indicator": "DB", "Visa Internal Use Only": " ", "Reserved 2": " ", "Surcharge Amount in Cardholder Billing Currency": "0.00", "Money Transfer Foreign Exchange Fee": "0.00", "Payment Account Reference": "V001001234568900000987654321", "Token Requester ID ": "00000000000", "Reserved 3": " " }, "tcr_5": { "Transaction Code": "27", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "5", "Transaction Identifier": "487654321000005", "Authorized Amount": "000000000000", "Authorization Currency Code": " ", "Authorization Response Code": " ", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "00", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "-0.178000", "Interchange Fee Sign": "C", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": "F ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
V2 Single authorization, multiple settlements
### 8. V2 Single authorization, multiple settlements ```json V2 First settlement { "PacketType": "TC05", "Header": { "DE2": "123456789", "source": "V", "rid_set": "4987654321", "rid_auth": "412345", "tid": "2123456789098765432", "cid": "498765", "customer_account": "9876543210", "total_bill_fee": "0.00" }, "iso_msg": { "tcr_0": { "Account Number": "123456789", "Account Number Extension": "000", "Floor Limit Indicator": "Z", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "7400123456790987654321", "Acquirer's Business ID": "10054321", "Purchase Date(MMDD) ": "1221", "Destination Amount": "2010.00", "Destination Currency Code": "784", "Source Amount": "2010.00", "Source Currency Code ": "784", "Merchant Name": "MERCHANT NAME 1234", "Merchant City": "GOTHAM ", "Merchant Country Code ": "AE ", "Merchant Category Code": "3005", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "N", "Authorization Code": "100296", "POS Terminal Capability": "9", "Reserved": " ", "Cardholder ID Method": "4", "Collection-Only Flag": " ", "POS Entry Mode ": "01", "Central Processing Date(YDDD) ": "2356", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": " ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": " ", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "28080064 ", "Terminal ID": "35808817", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": "5", " Special Chargeback Indicator": " ", "Interface Trace Number": "2345 0", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": "U", "Authorization Source Code ": "V", "Purchase Identifier Format": "1", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": "RB012345612987654321 ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_3": { "Reserved": " ", "Business Application ID": " ", "Business Format Code(AI)": "AI", "Reserved 2": " ", "Passenger Name": "MR JOHN DOE ", "Departure Date": "122122", "Origination City/Airport Code": "DXB", "Trip Leg 1Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Trip Leg 2Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Trip Leg 3Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Trip Leg 4Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Travel Agency Code ": "87654321", "Travel Agency Name": "AIRWAYS ", "Restricted Ticket Indicator": " ", "Fair Basis Code- Leg 1": " ", "Fair Basis Code- Leg 2": " ", "Fair Basis Code- Leg 3": " ", "Fair Basis Code- Leg 4": " ", "Computeruzed Reservation System ": " ", "Flight Number -Leg 1": " ", "Flight Number -Leg 2": " ", "Flight Number -Leg 3": " ", "Flight Number -Leg 4": " ", "Credit Reason Indicator": " ", "Ticket Change Indicator": " ", "Reserved 3": " " }, "tcr_5": { "Transaction Identifier": "454321123456789", "Authorized Amount": "000000402000", "Authorization Currency Code": "784", "Authorization Response Code": " ", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "02", "Multiple Clearing Sequence Count": "02", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000402000", "Information Indicator": "N", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "-42.210000", "Interchange Fee Sign": "C", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": "G3", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": "M" }, "tcr_6": { "Local Tax": "0.00", "Local Tax Included ": "0", "National Tax": "0.00", "National Tax Included": "0", "Merchant VAT Registration /Single Business Reference Number": " ", "Customer VAT Registration Number": " ", "Reserved 1": " ", "Summary Commodity Code ": " ", "Other Tax": "0.00", "Message Identifier": "454321123456789", "Time of Purchase": "0000", "Customer Code/Customer Reference Identifier(CRI)": "R1234560987654321", "Non-fuel Product Code 1": " ", "Non-fuel Product Code 2": " ", "Non-fuel Product Code 3": " ", "Non-fuel Product Code 4": " ", "Non-fuel Product Code 5": " ", "Non-fuel Product Code 6": " ", "Non-fuel Product Code 7": " ", "Non-fuel Product Code 8": " ", "Merchant Postal Code": "000 000 ", "Reserved 2": " " } } } ``` ```json V2 Second settlement { "PacketType": "TC05", "Header": { "DE2": "123456789", "source": "V", "rid_set": "4987654322", "rid_auth": "412345", "tid": "2123456789098765432", "cid": "498765", "customer_account": "9876543210", "total_bill_fee": "0.00" }, "iso_msg": { "tcr_0": { "Account Number": "123456789191583555", "Extension": "000", "Floor Limit Indicator": "Z", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "74001234567890987654321", "Acquirer's Business ID": "10054321", "Purchase Date(MMDD) ": "1221", "Destination Amount": "2010.00", "Destination Currency Code": "784", "Source Amount": "2010.00", "Source Currency Code ": "784", "Merchant Name": "MERCHANT NAME ", "Merchant City": "DUBAI ", "Merchant Country Code ": "AE ", "Merchant Category Code": "3005", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "N", "Authorization Code": "100296", "POS Terminal Capability": "9", "Reserved": " ", "Cardholder ID Method": "4", "Collection-Only Flag": " ", "POS Entry Mode ": "01", "Central Processing Date(YDDD) ": "2356", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": " ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": " ", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "28080064 ", "Terminal ID": "35808817", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": "5", " Special Chargeback Indicator": " ", "Interface Trace Number": "2356 0", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": "U", "Authorization Source Code ": "V", "Purchase Identifier Format": "1", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": "RB012345612987654322 ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_3": { "Reserved": " ", "Business Application ID": " ", "Business Format Code(AI)": "AI", "Reserved 2": " ", "Passenger Name": "MRS JANE DOE", "Departure Date": "122122", "Origination City/Airport Code": "DXB", "Trip Leg 1Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Trip Leg 2Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Trip Leg 3Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Trip Leg 4Information": { "Carrier Code": "XX", "Service Class": "X", "Stop-Over Code": " ", "Destination City/Airport Code": "XXX" }, "Travel Agency Code ": "86491263", "Travel Agency Name": "AIRWAYS ", "Restricted Ticket Indicator": " ", "Fair Basis Code- Leg 1": " ", "Fair Basis Code- Leg 2": " ", "Fair Basis Code- Leg 3": " ", "Fair Basis Code- Leg 4": " ", "Computeruzed Reservation System ": " ", "Flight Number -Leg 1": " ", "Flight Number -Leg 2": " ", "Flight Number -Leg 3": " ", "Flight Number -Leg 4": " ", "Credit Reason Indicator": " ", "Ticket Change Indicator": " ", "Reserved 3": " " }, "tcr_5": { "Transaction Identifier": "412345987654321", "Authorized Amount": "000000402000", "Authorization Currency Code": "784", "Authorization Response Code": " ", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "01", "Multiple Clearing Sequence Count": "02", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000402000", "Information Indicator": "N", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "-42.210000", "Interchange Fee Sign": "C", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": "G3", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": "M" }, "tcr_6": { "Local Tax": "0.00", "Local Tax Included ": "0", "National Tax": "0.00", "National Tax Included": "0", "Merchant VAT Registration /Single Business Reference Number": " ", "Customer VAT Registration Number": " ", "Reserved 1": " ", "Summary Commodity Code ": " ", "Other Tax": "0.00", "Message Identifier": "412345987654321", "Time of Purchase": "0000", "Customer Code/Customer Reference Identifier(CRI)": "R2221234000123456789", "Non-fuel Product Code 1": " ", "Non-fuel Product Code 2": " ", "Non-fuel Product Code 3": " ", "Non-fuel Product Code 4": " ", "Non-fuel Product Code 5": " ", "Non-fuel Product Code 6": " ", "Non-fuel Product Code 7": " ", "Non-fuel Product Code 8": " ", "Merchant Postal Code": "000 000 ", "Reserved 2": " " } } } ``` </details> -
V2 Second presentment/Dispute financial record
### 9. V2 Second presentment/Dispute financial record <Callout icon="🗒️" theme="default"> ### TIP The second presentment can be identified using the field `**Usage Code**` within the `**iso_msg**` → `**tcr_0**` sub-node. **`Usage Code`**: indicates whether this is a first presentment or second presentment. * `**Usage Code**` = `1` represents a first presentment * `**Usage Code**` = `9` represents a dispute financial (second presentment) </Callout> ```json V2 Second presentment/dispute financial record { "PacketType": "TC07", "Header": { "DE2": "12345678", "source": "V", "rid_set": "87654321", "rid_auth": "123432", "tid": "2000075008763009666", "cid": "123456", "customer_account": "", "total_bill_fee": "0.00" }, "iso_msg": { "tcr_0": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "0", "Account Number": 222333444, "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "12342134106400007000003", "Acquirer's Business ID": "00021430", "Purchase Date(MMDD)": "0320", "Destination Amount": "310.00", "Destination Currency Code": "826", "Source Amount": "310.00", "Source Currency Code": "826", "Merchant Name": "Merchant XYZ, 404 ", "Merchant City": "Merchant City ", "Merchant Country Code": "GB ", "Merchant Category Code": "6011", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service": " ", "Number of Payment Forms": " ", "Usage Code": "9", "Reason Code": "13", "Settlement Flag": "8", "Authorization Characteristics Indicator": "N", "Authorization Code": "106526", "POS Terminal Capability": "5", "Reserved": " ", "Cardholder ID Method": "2", "Collection-Only Flag": " ", "POS Entry Mode": "05", "Central Processing Date(YDDD)": "4131", "Reimbursement Attribute": "H" }, "tcr_1": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "1", "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": " ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": " ", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "E00000600000000", "Terminal ID": "E024326 ", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator": " ", "Special Chargeback Indicator": " ", "Interface Trace Number": "4131 0", "Acceptance Terminal Indicator": "4", "Prepared Card Indicator": " ", "Service Development Field": " ", "AVS Response Code": " ", "Authorization Source Code": "V", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": " ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_4": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "4", "Agent Unique ID": " ", "Reserved 1": " ", "Business Format Code": "DF", "Network Identification Code": "0002", "Contact for Information": " ", "Adjustment Processing Indicator": " ", "Message Reason Code": " ", "Dispute Condition": "9 ", "VROL Financial ID": "14.9-1111 ", "VROL Case Number": "5555510358", "VROL Bundle Case Number": "0000000000", "Client Case Number": "10000 ", "Dispute Status": "P1", "Surcharge Amount": "-0.00", "Surcharge Credit/Debit Indicator": "CR", "Reserved 2": " " }, "tcr_5": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "5", "Transaction Identifier": "100000008303879", "Authorized Amount": "000000000310", "Authorization Currency Code": "826", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "00", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "+0.200000", "Interchange Fee Sign": "D", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": "I ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " D", "CVV2 Result Code": " " } } } ``` </details> -
V3 Cash disbursement
### 10. V3 Cash disbursement ```json V3 Cash disbursement settlement { "PACKET_TYPE": "TC07", "SUMMARY": { "TID": "1234567891011121314", "RID": "54321000001", "ADD_REF_RID": "1234567", "PID": "123", "ClientID": "412345", "Network": "VISA", "Transaction_Date_Time": "2021-12-16T17:14:37", "Spend_Type": "POS", "Spend_Location": "ACQUIRER NAME CITY NAME US", "Transaction_Amount": "1300.0000", "Transaction_Currency": "826", "Billing_Amount": "1300.0000", "Billing_Currency": "826", "Total_Fee_Bill": "0.00", "Card_Use_Type": "Integrated circuit card read", "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": "234567891", "Customer_AC": "O", "File_Date": "", "Cycle_Info": "" }, "ISO_MSG": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "70000001230000000054321", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "1216", "Destination Amount": "1300.00", "Destination Currency Code": "826", "Source Amount": "1300.00", "Source Currency Code ": "826", "Merchant Name": "ACQUIRER NAME ", "Merchant City": " CITY NAME ", "Merchant Country Code ": "US ", "Merchant Category Code": "6011", "Merchant ZIP Code": "81102", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "9", "Authorization Code": "107505", "POS Terminal Capability": "2", "Reserved": " ", "Cardholder ID Method": "1", "Collection-Only Flag": " ", "POS Entry Mode ": "05", "Central Processing Date(YDDD) ": "1350", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": "0", "Token Assurance Level": "00", "Reserved1": "000000000", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": "000", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "ACQUIRER NAME ", "Terminal ID": "ATM01 ", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": " ", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": "00", "Purchase Identifier": "123017004321 ", "Cashback": "0.00", "Chip Condition Code": "1", "POS Environment": " " }, "tcr_5": { "Transaction Identifier": "000123017004321", "Authorized Amount": "000000130000", "Authorization Currency Code": "826", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "01", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "0.000000", "Interchange Fee Sign": " ", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": " ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
V3 Sales draft
### 11. V3 Sales draft ```json V3 Sales draft { "PACKET_TYPE": "TC05", "SUMMARY": { "TID": "1234567891011121314", "RID": "54321000001", "ADD_REF_RID": "1234567", "PID": "123", "ClientID": "412345", "Network": "VISA", "Transaction_Date_Time": "2021-05-25T09:39:27", "Spend_Type": "UNKNOWN", "Spend_Location": "ACQUIRER NAME CITY NAME US", "Transaction_Amount": "30.0000", "Transaction_Currency": "826", "Billing_Amount": "30.0000", "Billing_Currency": "826", "Total_Fee_Bill": "0.00", "Card_Use_Type": "Manual key entry", "Customer_Validation": "PAN", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5999 - Miscellaneous & Specialty Retail Stores", "Account_ID": "234567891", "Customer_AC": "", "File_Date": "", "Cycle_Info": "" }, "ISO_MSG": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "70000001234000000078654", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "0525", "Destination Amount": "30.00", "Destination Currency Code": "826", "Source Amount": "30.00", "Source Currency Code ": "826", "Merchant Name": "ACQUIRER NAME ", "Merchant City": " CITY NAME ", "Merchant Country Code ": "US ", "Merchant Category Code": "5999", "Merchant ZIP Code": "81102", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "9", "Authorization Code": "105440", "POS Terminal Capability": "2", "Reserved": " ", "Cardholder ID Method": "1", "Collection-Only Flag": " ", "POS Entry Mode ": "01", "Central Processing Date(YDDD) ": "1145", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": "0", "Token Assurance Level": "00", "Reserved1": "000000000", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": "000", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "CARD ACCEPTOR ", "Terminal ID": "TERMID01", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": " ", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": "00", "Purchase Identifier": "123017004321 ", "Cashback": "0.00", "Chip Condition Code": "1", "POS Environment": " " }, "tcr_5": { "Transaction Identifier": "000123017004321", "Authorized Amount": "000000003000", "Authorization Currency Code": "826", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "01", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "0.000000", "Interchange Fee Sign": " ", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": " ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
V3 Sales draft reversal
### 12. V3 Sales draft reversal ```json V3 Cash disbursement settlement { "PACKET_TYPE": "TC25", "SUMMARY": { "TID": "1234567891011121314", "RID": "54321000001", "ADD_REF_RID": "1234567", "PID": "123", "ClientID": "412345", "Network": "VISA", "Transaction_Date_Time": "2021-12-16T17:14:37", "Spend_Type": "POS", "Spend_Location": "ACQUIRER NAME CITY NAME US", "Transaction_Amount": "1300.0000", "Transaction_Currency": "826", "Billing_Amount": "1300.0000", "Billing_Currency": "826", "Total_Fee_Bill": "0.00", "Card_Use_Type": "Integrated circuit card read", "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": "234567891", "Customer_AC": "O", "File_Date": "", "Cycle_Info": "" }, "ISO_MSG": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "70000001230000000076543", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "1216", "Destination Amount": "1300.00", "Destination Currency Code": "826", "Source Amount": "1300.00", "Source Currency Code ": "826", "Merchant Name": "ACQUIRER NAME ", "Merchant City": " CITY NAME ", "Merchant Country Code ": "US ", "Merchant Category Code": "6011", "Merchant ZIP Code": "81102", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "9", "Authorization Code": "107505", "POS Terminal Capability": "2", "Reserved": " ", "Cardholder ID Method": "1", "Collection-Only Flag": " ", "POS Entry Mode ": "05", "Central Processing Date(YDDD) ": "1350", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": "0", "Token Assurance Level": "00", "Reserved1": "000000000", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": "000", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "ACQUIRER NAME ", "Terminal ID": "ATM01 ", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": " ", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": "00", "Purchase Identifier": "123017004321 ", "Cashback": "0.00", "Chip Condition Code": "1", "POS Environment": " " }, "tcr_5": { "Transaction Identifier": "000123017004321", "Authorized Amount": "000000130000", "Authorization Currency Code": "826", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "01", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "0.000000", "Interchange Fee Sign": " ", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": " ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
V3 Cash disbursement reversal
### 13. V3 Cash disbursement reversal ```json V3 Cash disbursement settlement { "PACKET_TYPE": "TC27", "SUMMARY": { "TID": "1234567891011121314", "RID": "54321000001", "ADD_REF_RID": "1234567", "PID": "123", "ClientID": "412345", "Network": "VISA", "Transaction_Date_Time": "2022-01-12T16:09:34", "Spend_Type": "POS", "Spend_Location": "ACQUIRER NAME CITY NAME US", "Transaction_Amount": "1200.0000", "Transaction_Currency": "826", "Billing_Amount": "1200.0000", "Billing_Currency": "826", "Total_Fee_Bill": "0.00", "Card_Use_Type": "Magnetic stripe read and exact content of Track 1 or Track 2 included", "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": "234567891", "Customer_AC": "O", "File_Date": "", "Cycle_Info": "" }, "ISO_MSG": { "tcr_0": { "Account Number": "987654321", "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "70000002345000000067890", "Acquirer's Business ID": "00000000", "Purchase Date(MMDD) ": "0112", "Destination Amount": "1200.00", "Destination Currency Code": "826", "Source Amount": "1200.00", "Source Currency Code ": "826", "Merchant Name": "ACQUIRER NAME ", "Merchant City": " CITY NAME ", "Merchant Country Code ": "US ", "Merchant Category Code": "6011", "Merchant ZIP Code": "81102", "Merchant State/Province Code": " ", "Requested Payment Service ": " ", "Number of Payment Forms": " ", "Usage Code": "1", "Reason Code": "00", "Settlement Flag": "0", "Authorization Characteristics Indicator": "9", "Authorization Code": "100521", "POS Terminal Capability": "2", "Reserved": " ", "Cardholder ID Method": "1", "Collection-Only Flag": " ", "POS Entry Mode ": "90", "Central Processing Date(YDDD) ": "2012", "Reimbursement Attribute": "0" }, "tcr_1": { "Business Format Code": "0", "Token Assurance Level": "00", "Reserved1": "000000000", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": "000", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "ACQUIRER NAME ", "Terminal ID": "TERMID01", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator ": " ", " Special Chargeback Indicator": " ", "Interface Trace Number": " ", "Acceptance Terminal Indicator ": " ", "Prepared Card Indicator": " ", "Service Development Field ": " ", "AVS Response Code": " ", "Authorization Source Code ": "5", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": "00", "Purchase Identifier": "123017004321 ", "Cashback": "0.00", "Chip Condition Code": "1", "POS Environment": " " }, "tcr_5": { "Transaction Identifier": "000123017004321", "Authorized Amount": "000000120000", "Authorization Currency Code": "826", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "01", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "0.000000", "Interchange Fee Sign": " ", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": " ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " ", "CVV2 Result Code": " " } } } ``` </details> -
V3 Second presentment/Dispute financial record
### 14. V3 Second presentment/Dispute financial record <Callout icon="🗒️" theme="default"> ### TIP The second presentment can be identified using the field `**Usage Code**` within the `**iso_msg**` → `**tcr_0**` sub-node. **`Usage Code`**: indicates whether this is a first presentment or second presentment. * `**Usage Code**` = `1` represents a first presentment * `**Usage Code**` = `9` represents a dispute financial (second presentment) </Callout> ```json V3 Second presentment/dispute financial record { "PACKET_TYPE": "TC07", "SUMMARY": { "TID": "1234567891011121314", "RID": "54321000001", "ADD_REF_RID": "1234567", "PID": "123", "ClientID": "123456", "Network": "VISA", "Transaction_Date_Time": "2022-03-20T16:09:34", "Spend_Type": "POS", "Spend_Location": "ACQUIRER NAME CITY NAME US", "Transaction_Amount": "310.0000", "Transaction_Currency": "826", "Billing_Amount": "310.0000", "Billing_Currency": "826", "Total_Fee_Bill": "0.00", "Card_Use_Type": "", "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": "234567891", "Customer_AC": "O", "File_Date": "", "Cycle_Info": "" }, "ISO_MSG": { "tcr_0": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "0", "Account Number": 222333444, "Account Number Extension": "000", "Floor Limit Indicator": " ", "CRB/Exception File Indicator": " ", "Positive cardholder Authorization Service(PCAS) Indicator": " ", "Acquirer Reference Number": "12342134106400007000003", "Acquirer's Business ID": "00021430", "Purchase Date(MMDD)": "0320", "Destination Amount": "310.00", "Destination Currency Code": "826", "Source Amount": "310.00", "Source Currency Code": "826", "Merchant Name": "Merchant XYZ, 404 ", "Merchant City": "Merchant City ", "Merchant Country Code": "GB ", "Merchant Category Code": "6011", "Merchant ZIP Code": "00000", "Merchant State/Province Code": " ", "Requested Payment Service": " ", "Number of Payment Forms": " ", "Usage Code": "9", "Reason Code": "13", "Settlement Flag": "8", "Authorization Characteristics Indicator": "N", "Authorization Code": "106526", "POS Terminal Capability": "5", "Reserved": " ", "Cardholder ID Method": "2", "Collection-Only Flag": " ", "POS Entry Mode": "05", "Central Processing Date(YDDD)": "4131", "Reimbursement Attribute": "H" }, "tcr_1": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "1", "Business Format Code": " ", "Token Assurance Level": " ", "Reserved1": " ", "Chargeback Reference Number": "000000", "Documentation Indicator": " ", "Member Message Text": " ", "Special Condition Indicators": " ", "Fee Program Indicator": " ", "Issuer Charge": " ", "Reserved2": " ", "Card Acceptor ID": "E00000600000000", "Terminal ID": "E024326 ", "National Reimbursement Fee": "000000000000", "Mail/Phone/Electronic Commerce and Payment Indicator": " ", "Special Chargeback Indicator": " ", "Interface Trace Number": "4131 0", "Acceptance Terminal Indicator": "4", "Prepared Card Indicator": " ", "Service Development Field": " ", "AVS Response Code": " ", "Authorization Source Code": "V", "Purchase Identifier Format": " ", "Account Selection": "0", "Installment Payment Count": " ", "Purchase Identifier": " ", "Cashback": "0.00", "Chip Condition Code": " ", "POS Environment": " " }, "tcr_4": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "4", "Agent Unique ID": " ", "Reserved 1": " ", "Business Format Code": "DF", "Network Identification Code": "0002", "Contact for Information": " ", "Adjustment Processing Indicator": " ", "Message Reason Code": " ", "Dispute Condition": "9 ", "VROL Financial ID": "14.9-1111 ", "VROL Case Number": "5555510358", "VROL Bundle Case Number": "0000000000", "Client Case Number": "10000 ", "Dispute Status": "P1", "Surcharge Amount": "-0.00", "Surcharge Credit/Debit Indicator": "CR", "Reserved 2": " " }, "tcr_5": { "Transaction Code": "07", "Transaction Code Qualifier": "0", "Transaction Component Sequence Number": "5", "Transaction Identifier": "100000008303879", "Authorized Amount": "000000000310", "Authorization Currency Code": "826", "Authorization Response Code": "00", "Validation Code": " ", "Excluded Transaction Identifier Reason": " ", "CRS Processing Code": " ", "Reserved1": " ", "Multiple Clearing Sequence Number": "00", "Multiple Clearing Sequence Count": "00", "Market-Specific Authorization Data Indicator": " ", "Total Authorized Amount": "000000000000", "Information Indicator": " ", "Merchant Telephone Number": " ", "Additional Data Indicator": " ", "Merchant Volume Indicator": " ", "Electronic Commerce Goods Indicator": " ", "Merchant Verification Value": " ", "Interchange Fee Amount": "+0.200000", "Interchange Fee Sign": "D", "Source Currency to Base Currency Exchange Rate": "00000000", "Base Currency to Destination Currency Exchange Rate": "00000000", "Optional Issuer ISA Amount": "0.00", "Product ID": "I ", "Program ID": " ", "Dynamic Currency Conversion (DCC) Indicator": " ", "Account Type Identification": " ", "Spend Qualified Indicator": " ", "PAN Token": "0000000000000000", "Reserved 2": " D", "CVV2 Result Code": " " } } } ``` </details>
Updated 7 months ago
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