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Product protocol documentation

Description of the Switch Interface

SPC/SID - Institution Financière - HPS
The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
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SPC/SID - STANDARD/HPS

DRAFTING, VERIFICATION AND APPROVAL

Writing Verification Approval

Name Date/Visa Name Date/Visa Name Date/Visa

Abdeslam ALAOUI 22/04/2002 Samir KHALLOUQUI 24/06/2002 Radi FILALI 24/06/2002

DISTRIBUTION LIST

For action For Information

Name Institution Name Institution

Project team Bank

/Centre

DOCUMENT HISTORY

Version Author Date Comments

1.00 Abdeslam ALAOUI 22/04/2002 Initial version.

1.01 Abdeslam ALAOUI 24/06/2002 Version presented to the Client

2.00 Abdeslam ALAOUI 28/08/2002 1. Description of the format 's'.

2. Adding expense processing code.

3. Clarification on fields 15, 19, 21, 22.

4. Handling of chargeback function codes.

5. Handling of chargeback reason codes.

6. Description of field 30, 46.

7. Precision on field 48.

8. Deletion of field 72.

9. Clarification on field 73, 101

10. Coverage of fees on single transactions

message 12XX.

Project: Client Description of the Switch Interface Distribution Client-HPS

Draft Document Date 22/04/02
Status Under validation Date of printing 21/11/17
• Validated Page 2/93
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precondition of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

11. Coverage of costs on single transactions

message 13XX.

12. Coverage of costs on single transactions

message 142X.

3.00 Abdeslam ALAOUI 04/02/2003 1. Indication of the network code of the card - Impact on the
Field 48 has been added to the messages
1220, 1420 and 1422.

3.01 Majid HAITAMI 10/04/2003 1. Correction positions and lengths of fields

PowerCARD Header§ 2.3

2. Replacement of code 805 with 803 in Element No 24,

Function code (echo test) § 2

3. Suppression of the 1804 from element No 24, Use § 2

Element No 22 Position 04: Functional Environment

(change of wording of the codes)

3.02 Hicham FETHI 20/05/2003 1. Support for SAF Function Codes Sign on (804)
and Sign Off SAF(805) in message 1804

3.03 Hicham FETHI 01/10/2003 2. Addition of response code 501 (Consolidation not
accepted)

3.04 Hicham FETHI 06/02/2004 3. Field 73 must be conditional in the message of

opposition setting 1304

3.05 Hicham FETHI 14/04/2004 Adjust the response codes. (ANNEX A)

3.06 Mouad TIYAL 07/05/2004 Add the representations.

3.07 Hicham YOUSFI 18/05/2004 - Correction of field 54.

- Adding explanations on the fields amount

in the message 1200 for requests for
balance.

3.08 Hicham FETHI 11/10/2004 - Adding fields 41, 42, 56 in the message
1220

- Addition of processing Code 22 (Credit Adjustment)

3.09 Abdeslam ALAOUI 22/11/2004 Taking into account the aspects of e-Commerce. Addition of the sub
fields P36, P37, P38, and P39 of "data element 48".

3.10 Hicham YOUSFI 24/11/2004 Taking into account the aspects of e-Commerce.

Champs 22: Adding new values in the position

07. (K, L, M, N and O)

Champs 48: Add description of the PDS P39.

3.10.1 Yassine Benjira 29/04/2005 Addition of field 37 in message 1220/1230

3.10.2 Yassine Benjira 10/08/2005 Le champ 15 sera renseigné pr ts les messages

3.11 Layla Barrit 15/11/2005 Addition of Field 23.

3.12 Youssef KHALOUFI 28/12/2005 - T-DES management for the pin (modification of the

Project: Client Description of the Switch Interface Distribution Client-HPS

Draft Date of the Document 22/04/02
Status In the process of validation Print date 21/11/17
• Validated Page 3/93
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SPC/SID - STANDARD/HPS

length of tag P16 of field 48)

3.12.1 Abderrahim NABIL 17/01/2006 Integrate version 3.12

3.12.2 Benayad Mohamed 17/01/2006 Correction and standard formatting

3.12.3 Nabil Gamrane 02/03/2007 Addition of SMS message support

3.12.4 Redouan Handal 17/10/2007 Addition of MDS message support

3.12.5 Mohamed BENAYAD / 05/10/2009 Modification of Field 46: Replacement of messages

Mustapha ELKABLI 1100 and 1200 by 1304.

3.12.6 Mohamed BENAYAD 13/10/2009 Modification of the size and description of Field 43 ('years' to
Mustapha ELKABLI place of 'an', 4 instead of 99, Country code on 2 instead of 3, and
not containing the postal code.

3.12.7 Mohamed BENAYAD 11/08/2010- • Add processing code 28: MoneySend (MS).
Naoual BENTOUILA
24/08/2010 • Add Field 124 in messages 11XX and 14XX.

3.12.8 Mustapha EL KABLI / Naoual 25/08/2010 • Addition of tags P77 and P61 at the DE48 level for the
BENTOUILA MoneySend processing

3.12.9 Mustapha EL KABLI / Naoual 06/13/2011 • ENH11.1: Addition of tags P82 and P90 at the DE48 level
BENTOUILA and the value 'P' in position '7' in the DE22

3.12.10 Salma LAASLI 03/10/2013 • Adding tags P51 and P52.

• Addition of sub-element 061 of field 61

3.13.1 Noureddine ZERHOUNI 15/11/2013 • Addition of field 127 and tags E01, E02, and E03

3.13.2 Noureddine ZERHOUNI 25/11/2013 • Addition of field 127 and tags E04, E05

3.13.3 Noureddine ZERHOUNI 19/12/2013 • Ajout du TAG E06 et détails du TAG E04

3.14 Yassir BELHAROUAK 07/01/2015 • Adding new values in field 22 for

paypass.

• Adding the Tag R01.

• Add new values in sub-element 87 of

champ 48 for when the CVV3 is not valid.

3.15 Yassir BELHAROUAK 24/07/2015 • Adding TAGs R02, R03, R04 payment N TIMES

3.16 Noureddine ZERHOUNI 19/10/2016 • Add TAGs R07, R08, R09 recurrent payment

3.17 Naoual BENTOUILA 21/10/2016 • Addition of the value 'F' in position '7' of DE22

3.18 Noureddine ZERHOUNI 11/05/2017 • Add DCC Element 48 TAGs

• Addition of item 28 Surcharge Fees

3.19 ElMehdi Benzit 01/06/2017 Support for Payment Institutions

• Element 2: Contains a phone number when the

Project: Client Description of the Switch Interface Distribution Client-HPS
Draft Date of the Document 22/04/02
Status Under validation Date of printing 21/11/17
• Validated Page 4/93
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SPC/SID - STANDARD/HPS

request message is initiated by an Establishment of

Payment

• Element 3: Adding value in the processing code,

money transfer transaction and account types
of payment.

• Element 22 :
Position 1: Addition of input capability at the point of
service Application, QR-code, USSD
Position 7: Data entry mode, QR Code or
Manual and on which terminal (payer or paid).

• Element 40: Adding GPS coordinates of the mobile

message sender.

• Element 99: This field will now contain 2 values.

One for the monetary flow and one for the payment flow
mobile.

• Element 102: Contains the phone number to be charged

• Element 103: Contains the phone number at

créditer

• Addition of source and destination accounts in the

Message 1200

• Adding source and destination accounts in the message

1420

• Duplication of Consolidation Messages Issuer and

Buyer

Project: Client Description of the Switch Interface Distribution Client-HPS

Draft Date of the Document 22/04/02
Status In the process of validation Print date November 21, 2017
• Validated Page 5/93
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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

TABLE OF CONTENTS

1. INTRODUCTION 9

2. STRUCTURE AND CONTENT OF MESSAGES 9

2.1 MESSAGE LENGTH 9

2.2 IDENTIFICATION OF THE PROTOCOL 9
2.3 HEADERPOWERCARD 9
2.4 TYPE OF MESSAGE 10
2.5 BIT MAPS 11
2.5.1 Notation Convention of Data Element Attributes 11

3. MESSAGE PROTOCOL 51

3.1 REQUEST FOR AUTHORIZATION 53

3.1.1 Synopsis of messages 53
3.1.2 Content of messages 53
3.2 AUTHORIZATION NOTICE 56
3.2.1 Synopsis of messages 56
3.2.2 Content of messages 56
3.3 REQUEST FOR FINANCIAL TRANSACTION 59
3.3.1 Overview of messages 59
3.3.2 Contenu des messages 59
3.4 NOTICE OF FINANCIAL TRANSACTION 62
3.4.1 Synopsis of messages 62
3.4.2 Content of messages 62
3.5 FILE MANAGEMENT REQUEST 65
3.5.1 Overview of messages 65
3.5.2 Content of messages 65
3.6 FILE MANAGEMENT NOTICE 67
3.6.1 Synopsis of messages 67
3.6.2 Content of messages 67
3.7 AVIS DE REDRESSEMENT 69
3.7.1 Overview of messages 69
3.7.2 Content of messages 71
3.8 NOTICE OF ISSUER RESTRUCTURING 75
3.8.1 Overview of messages 75

Project: Client Description of the Switch Interface Distribution Client-HPS

Version initiale Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

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3.8.2 Contenu des messages 75

3.9 NOTICE OF CONSOLIDATION OF THE ACQUIRER 78
3.9.1 Overview of Messages 78
3.9.2 Content of the messages 78
3.10 NOTICE OF CONSOLIDATION OF THE ISSUER 80
3.10.1 Synopsis of messages 80
3.10.2 Content of messages 80
3.11 MESSAGEADMINISTRATIVE: MESSAGE TEXTE 82
3.11.1 Summary of messages 82
3.11.2 Message content 83
3.12 REQUEST FOR REIMBURSEMENT OF FUNDS - VISA 84
3.12.1 Synopsis of messages 84
3.12.2 Content of messages 84
3.13 NETWORK MANAGEMENT REQUEST 86
3.13.1 Synopsis of messages 86
3.13.2 Content of messages 86

4. LINK BETWEEN THE CENTER AND THE PARTNER SERVERS 88

4.1 NETWORK CONNECTION 88

4.2 SESSION OPENING 88
4.3 VERIFICATION OF A SESSION STATE 89
4.4 CLOSING A SESSION 89
4.5 GENERAL RULES 90
4.6 DESCRIPTION OF THE BANK INTERFACE AUTOMATON 90

5. ANNEX A - ACTION CODES 92

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Document Date 22/04/02
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SPC/SID - STANDARD/HPS

TABLE OF FIGURES

Figure 1: Bank Automation Interface ....................................................................................90

Project: Client Description of the Switch Interface Distribution Client-HPS

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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

1. INTRODUCTION

PowerCARD uses a communication format based on the ISO standard.

8583/1993-12-15.

This standard allows for message formats of content and length

variables depending on the exchanged messages.

This document describes the format of the messages exchanged between

PowerCARD defines the bank servers and specifies the data elements.
contained in these messages within the framework of the CENTRE network.

2. STRUCTURE AND CONTENT OF MESSAGES

(Header)
Length Identification Type of
Header bitmap Data elements
message of the protocol message
PowerCARD

2.1 Message Length

This element contains the length of the rest of the message. It is four characters long.
right-justified and padded with zeros in ASCII format. This element is
mandatory. It is used by the communication API.

2.2 Protocol Identification

This element is used to identify the message protocol. It must contain the 3
characters 'ISO'. The identification of the protocol is always present in the
messages to the Center and it is required in messages coming from the
Center.

2.3 Header PowerCARD

The header (the Heading) is required in all messages. It has the following format:

Position Content

1 Indicate the product with which the message is associated

Valid content for this element:
'6' = Member Issuer Interface only
‘7’ = Member Issuer and Acquirer Interface
'8' = Acquirer interface only

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

2-5 Protocol version = '0100'

6-8 When PowerCARD rejects a message for an error of

format, this element contains the number of the first element of
erroneous data. Otherwise, this element contains: '000'.

2.4 Type de message

The message type is a 4-position element used to identify the function

General message. This element is mandatory in all messages.

The following messages are exchanged between PowerCARD and the Center.

1100: Request for authorization,

1110: Response to a request for authorization,

1120: Notice of authorization,

1121: Repetition of the authorization notice,
1130: Response to a notice of authorization,

1200: Request for financial transaction,

1210: Response to financial transaction request,

1220: Avis de transaction financière, Demande de représentation, Ajustement

1221: Repetition of financial transaction notice,
1230: Response to financial transaction notice,

1420: Buyer cancellation notice

1421: Repetition of buyer cancellation notice,
1430: Response to buyer's cancellation notice.

1422: Issuer cancellation notice, Chargeback or cancellation of Chargeback

1423: Repetition of cancellation notice issuer,
1432: Response to cancellation notice issuer.

1520: Notice of consolidation of the acquirer,

1521: Repetition of the buyer's consolidation notice,
1530: Response to a notice of consolidation from the purchaser.

1522: Notice of consolidation of the issuer,

1523: Repetition of issuer's consolidation notice,
1532: Response to a notice of consolidation from the issuer.

1304: File management request,

1314: Response to file management request.

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

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SPC/SID - STANDARD/HPS

1324: File Management Notice,

1334: Response to file management feedback.

1604: Administrative Message: Message text

1614: Response to an administrative message

1720: Request for Collection of Fees (buyer)

1722: Request for Collection of Fees (issuer)
1730: Response to a fee collection (buyer)
1732: Response to a fee collection (sender)

1804: Network management request,

1814: Response to network management request.

2.5 Bit maps

The ISO 8583/1993-12-15 standard uses a bit vector message schema or

‘bit maps’. The configuration of the bit map informs about the elements present (including the
the corresponding bit in the bitmap is set to 1) or absent (of which the corresponding bit
is at '0'). The bits in a bit map are numbered from left to right.

2 bitmaps, each with a length of 64 bits, can be used in the

exchanges with PowerCARD
• A primary bitmap that informs about the absence or presence of
elements 1 to 64
• A secondary bitmap that provides information about elements 65 to 128.

The primary bit map is required in all messages.

The secondary bit map is included in the message if at least one element in
the range 65 to 128 is present.

The presence of the secondary bit map is indicated by bit 1 of the primary bit map (bit
the furthest to the left.

2.5.1 Notation Convention for Data Element Attributes

The values used to represent the attributes of data elements are

based on the ISO 8583 / 1993 standard.

They present themselves as follows:

a alphabetic characters (ASCII characters),

n numeric characters,
an alphanumeric characters,
b binary elements,
s special characters
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SPC/SID - STANDARD/HPS

z elements containing magnetic stripe data.

Fixed-length elements are represented by the attribute followed by the number of

positions (for example n3 means a numerical element of 3 positions).

Variable length elements are represented by the attribute followed by 2 points.

then by the maximum number of positions. (for example an..25 means an element
alphanumeric that can contain up to 25 characters.

The variable length elements contain 2 sub-elements:

• a sub-element containing the length coded on 2 or 3 positions
• a sub-element containing the actual data

Elements shorter than 99 positions have a sub-element of length

encoded on 2 positions.

Elements with a length between 100 and 999 positions have a sub-element.
of length encoded in 3 positions.

For example, the element representing track 3 is encoded as follows:

LLL TTTTTTTTTT.............TTTTTTTTT
Length data

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Element No 1
Secondary bit map

Attribute: b 64.

Description : The secondary bitmap is used to indicate presence ('1')

or the absence ('0') of elements whose rank is between
65 and 128.
If the message contains an element of rank between 65 and
128, the secondary bitmap is present.
The value '1' on the first bit of the first bit map means that the
secondary bitmap is present

Use: All messages containing elements with an index higher than

127

Element No 2
Primary account number

Attribute: LLVAR n..19.

Description : A series of numbers used to identify the card.

The primary account number is extracted from track 2 or from the
chip. It can also be read on the card for transactions
manuals.

When the message is issued from a Payment Establishment, this

The field contains the client's phone number to be charged.
the field contains a mobile phone number when the sub
champType de compte sourcedu champCode traitement
(element No. 3) contains the value 80, 81, or 82.

When the message is sent to an establishment

Payment, this field contains a valid structure of number
map.

Usage : 11XX, 12XX, 13XX, 14XX.

Element No 3
Processing code

Attribute: n 6.

Description : Code used to describe the effect of a transaction on the account

of the client and the associated accounts.

Project: Client Description of the Switch Interface Distribution Client-HPS

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Valid Values: Positions 1-2: Transaction Type

00: Purchase of Goods & Services
Cash advance
02: Flow Adjustment
Quasi cash
17: Cash
19: Expenses
20: Credit Voucher
22: Adjustment
23: Money transfer
29:Funds
22: Credit Adjustment
28:MoneySend (MS)
31: Balance request
Purchase at ATM

Positions 3-4: Source account type

00:Not specified
10: Savings account
20: Current account
30:Credit card account
38:Loan account
40: Universal account
80: Payment account type 1
Payment account type 2
Payment account type 3

Positions 5-6: Type of destination account

00:Not specified
10: Savings account
20: Current account
30: Credit card account
Loan account
40:Universal account
80: Type 1 payment account
Payment account type 2
Payment account type 3

Usage: 11XX, 12XX, 14XX.

Element No 4
Montant de transaction

Attribut : n 12.

Description : Funds requested by the cardholder in the currency of

transaction described in item 49.

Project: Client Description of the Switch Interface Distribution Client-HPS

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The amount is represented with two decimal places. For example

an amount of 1000 dirhams is represented by
000000100000

Usage: 11XX, 12XX, 14XX.

Element No 5
Consolidation amount

Attribute: in 12.

Description : Funds to be transferred between the purchaser and the card issuer,
equal to the amount of the transaction in the currency of the
consolidation described in item 50.
The amount is represented with two decimal places. For example
an amount of 1000 dirhams is represented by
000000100000

Usage: 12XX, 14XX, 15XX.

Element No 6
Billing amount

Attribute: in 12.

Description : Amount charged to the cardholder in the currency of

account of the cardholder described in item 51.
The amount is represented with two decimal places. For example
an amount of 1000 dirhams is represented by
000000100000

Use: 11XX, 12XX, 14XX.

Element No 7
Date and time of transmission

Attribute: in 10.

Description : The year, month, day, and time expressed in UTC (GMT)
to which the message is sent by the initiator. The format is
YYMMDDhhmm.

Usage: All messages

Element No 9
Consolidation exchange rate
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Attribute: n 8.

Description : Factor used for the conversion between the amount of the
transaction and the amount of the consolidation. The amount of the
transaction is multiplied by the exchange rate of the
consolidation to determine the amount of the consolidation.

Usage: Present in all messages containing the element 'amount'

of consolidation.

Format The first character indicates the number of decimals (for example)
51020030 corresponds to a value of 10.02030

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Element No 10
Exchange rate of the cardholder's billing

Attribute: n 8.

Description : Factor used for the conversion between the amount of the
transaction and the amount charged to the cardholder. The
the transaction amount is multiplied by the exchange rate of
billing to determine the amount of the invoice for
cardholder.

Usage: Present in all messages containing the element "amount"

invoicing.

Format : The first character indicates the number of decimals (for example
51020030 corresponds to a value of 10.02030

Element No 11
System monitoring audit number

Attribute: in 6.

Description : Number assigned by the initiator of the transaction to assist in

identify the transaction uniquely. The audit number of
The tracking system must remain the same for all messages.
related to the transaction.

Usage: All messages.

Element No 12
Date and local time of the transaction

Attribute : In 12.

Definition: The year, the month, the day, and the local time at which it was made
transaction.

Usage: All messages.

Format : YYMMDDhhmmss.

Project: Client Description of the Switch Interface Distribution Client-HPS

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Element No 14
Expiration date

Attribute: n 4.

Definition: The year and the month beyond which the card is no longer valid.
accepted.

Usage : 11XX, 12XX.

Format AAMM

Element No 15
Consolidation date

Attribute: in 6.

Definition: The year, the month, and the day when the financial totals are
consolidated between the acquirer and the card issuer.

Usage: 11XX, 12XX, 14XX, 15XX.

Format YYMMDD.

Element No 16
Exchange date

Attribute: in 4.

Description: Month and day when the exchange rate is effective for converting the
amount of the transaction of the transaction currency to the
consolidation currency and/or the billing currency of
cardholder.

Usage: All messages where the exchange rate element is present.

Format : MMJJ.

Project: Client Description of the Switch Interface Distribution Client-HPS

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Element No 18
Type of business

Attribute: in 4.

Description : Code classifying the type of activity of the card acceptor.

Allows the bank to identify the type of transaction
unrolling at the service point.

Usage: 11XX, 12XX

Element No 19
Country code of the acquiring entity

Attribute: in 3.

Description : Code country where the acquiring entity is located.

Usage: 1100, 1200, 1120, 1220

Element No 21
Country code of the transmitting organization

Attribute: in 3.

Description : Code country where the transmitting body is located.

Usage: 11XX, 12XX, 14XX

Project: Client Description of the Switch Interface Distribution Client-HPS

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Element No 22
Service point data code

Attribute: at 12.

Description : Series of codes intended to identify capacity and

the terminal environment and the security data of
presentation. It should serve to indicate the specific conditions
who are (or were) present at the time it was carried out
a transaction at the point of service and/or when the transaction has
It was initiated.

Valid values: Position01: Capacité d’entrée de données de carte

0: Not specified,
1: Manual entry no terminal,
2: reading of magnetic track,
3: Barcode reading,
4: Optical lecture,
5: Reading of chip and magnetic track,
6: Manual entry,
7: Manual entry and magnetic stripe,
8: Manual entry, magnetic track, and chip reading,
9: Chip reading,
Track reading, contact chip and contactless,
A: Mobile application, Manual entry,
B: Mobile application, Manual entry and QR Code,
U: USSD Channel, Manual Entry.

Position02: Holder's authentication capability

No authentication,
Personal identification number,
2: Manual signature.

Position03: Card retention capability

No,
Yes,
Undefined.

Position04: Functional environment

0: Unused terminal,
In the premises of the card acceptor, monitored,
In the premises of the card accepter, unsupervised,
3: Outside of the card acceptor's premises, monitored,
4: Outside the card acceptor's premises, unsupervised,
5: In the premises of the cardholder, unsupervised,
9: Indeterminate,
S: CAT level 1, unsupervised,
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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

CAT level 2, unmonitored,

U: CAT level 3, unmonitored,
V: CAT level 4, unsupervised.

Position05: Presence of the cardholder

Cardholder present,
Cardholder not present
2: Cardholder not present, distance selling,

Position06: Présence de la carte

0: Card not present
Card present.

Position07: Card data entry mode

0: Not specified
1: Manual terminal step,
2: Reading track 2,
3: Contactless reading of the chip.
4: Contactless Reading of the track.
5: Reading the chip,
6: Manual entry,
7: Reading track 1,
8: Alternative mode used following the failure to read the chip,
E-commerce,
F: Credentials on file,
Reliable chip reading and CVV,
M: Beneficiary's mobile QR code,
N: Manuel Mobile of the beneficiary,
P: PAN Auto Entry via Server,
S: E-Commerce Internet authentication failed,
E-Commerce Internet authentication successful,
E-Commerce Internet without authentication,
V: E-Commerce call center
Unchanged track,
X: Mobile QR Code of the order giver,
Y: Manuel Mobile of the order giver.

Position08: Authentication method of the holder

0: Not authenticated,
1: Confidential code,
Electronic signature,
5: Manual signature.

Position08: Credential authentication entity

Not authenticated,
Project: Client Description of the Switch Interface Distribution Client-HPS
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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Puce
2: Terminal,
3: Buyer center,
4: Merchant
5: Other
9: Not specified.

Position10: Update capability

0: Not specified,
No rewriting capability,
2: Writing the track 3 possible,
3: Rewriting the track.

Position11: Terminal output capacity

None,
Impression
3: Displaying,
4: Printing and displaying.

Position12: Longueur du PIN

4: Four characters,
5: Five characters,
.
.
Twelve characters.

Usage 11XX, 12XX.

Element No 23
Sequential card number
Attribute: n3

Description : Number used to distinguish cards assigned for a

same carrier number.
Usage: 11XX, 12XX.14XX
Mandatory for EMV authorization requests if the data
is present in the map application.

Element No 24
Function code

Attribute: in 3.

Description : Code indicating the specific object of the message in its class of
message.
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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Valid values: If message type = 1100

100= Initial request, exact amount,
101= Demande initiale, montant estimé,
Request for balance.

If message type = 1200

101= Demande initiale, montant estimé,
200 = Initial request, exact amount,
Request for balance.

If type of message = 1220/1221

200= Offline processing,
Previously authorized,
205 = 1erapresentation
206 = 2thempresentation.

If message type = 1304/1324

301= Ajout d’enregistrement,
303 = Delete the record,
304= Total record modification,
305= Consultation.

If message type = 1420/1421

400 = Total adjustment,
401= Etat du redressement indéfini,
402= Redressement partiel.

If message type = 1422/1423

450= 1erchargeback
451= 2thchargeback.
452 = Chargeback Cancellation

If message type = 1520, 1521, 1522, 1523

Final consolidation,
501= Intermediate consolidation,
502 = Final consolidation in a specified currency,
503= Consolidation intermédiaire dans une monnaie spécifiée.

If message type = 1804

801= Log in,
802= Log out,
803= Message de test,
804= Sign on SAF
805= Sign off SAF
811= Request for transport key change,
899 = Request for MAC key change.

821= Request for final reconciliation,

822= Request for intermediate reconciliation.
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pre-requisite of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Utilization 1100, 1120, 1200, 1220, 1221, 1320, 1324, 1420, 1421, 1520,
1521, 1522, 1523.

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SPC/SID - STANDARD/HPS

Element No 25
Message reason code

Attribute: in 4.

Description : Give to the recipient of a request, opinion or message

notification the reason or subject of the message.

Valid values: If message type = 1120 or 1220

1002: Time Out Sender
1003: Malfunction of the transmitter
1004: Emitter unavailable
1005: Message pending in the SAF with the same card during
from the request for authorization. Request processed by delegation.

If message type = 1304

3000:Carte perdue, Capture de la carte
3001:Carte volée, Capture de la carte
3002:Inactive card, Refused
3003: Counterfeiting, Card Capture
3701: Fraudulent use, Card capture
3702:Other, Refused

3721: Card expired, Card capture

3722: Security breach, Card capture
3723: Litigation, Card Capture
3724: Abusive usage, refused
3725:Abusive use, card capture
3726:Contact sender,
3728:Rejected,
3729: Card capture,
3732:Death of the bearer.

If message type = 1420

4000: Customer cancellation,
4001: Not specified,
4002: Suspected failure,
Partially processed,
4006: Late response,
4007: The card acceptor's device is unable to perform the
transaction
Unable to deliver the message to the service point
4014: Suspected failure / Card retained
4015: Suspected failure / Card returned
4016: Suspected failure / Track III not updated
4017: Suspected failure / No cash distribution
4018: Card returned / Time exceeded to take the tickets
4019: Card held / Deadline exceeded for taking tickets

If message type = 1422/1423/1220 UC = '2'

Projet :Client Description of the Switch Interface Distribution Client-HPS
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SPC/SID - STANDARD/HPS

4022= Potentially duplicated transaction,

4023= Duplicate transaction
4513= Credit not received,
4525= 4022
4514= Fraudulent transaction,

You must use the VISA reason codes when sending the
representation/fees/Adjustment
Usage: 112X, 122X, 13XX, 142X.

Element No 27
Length of the authorization code

Attribute: n 1.

Description : Maximum length of the authorization code that can be received

the buyer. The card issuer or the agent must limit the code
authorization at this length.

Usage: 1110, 1130, 1210, 1230, 1314, 1324, 1530, 1532, 1814

Element No 28
Amount of surcharge fee

Attribute: X + n 8.

Description : Amount associated with ATM surcharge fees for acquisition

international currency for the transaction.
X : D (Debit)
.

Usage: 1200,122X, 142X

Element No 30
Initial amounts

Attribute : in 24.

Description : Elements of information coming from the transaction

original. This field contains from position 1 to position 12 the
initial amount of the transaction expressed in currency of
transaction. From position 13 to position 24 the amount of the
transaction in consolidation currency.

Usage: ["1420","1422"]

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Element No 32
Purchaser identification code

Attribute: LLVAR n..11.

Description : Identification code of the acquiring organization of the transaction.

Usage: 11XX, 12XX, 14XX.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Element No 33
Identifier code of the initiating organization

Attribute: LLVAR n..11.

Description: Identification code of the initiating organization of the transaction.

Usage: 11XX, 12XX, 14XX.

Element No 35
ISO2 track

Attribute: LLVAR z..37.

Description : Encoded information on track 2 of the magnetic zone according to

the definition of ISO7813, excluding the start flags and
of end and longitudinal redundancy control characters
(LRC).

Usage: 1100, 1200.

Element No 37
Recovery reference number

Attribute: in 12.

Description : Reference provided by the system retaining the originals and

used to help find this information.

Use: All messages.

Element No 38
Authorization code

Attribute: an 6.

Description : Code assigned by the authorization body indicating

the agreement.

Usage: All reply messages.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Element No 39
Code action

Attribute: n 3.

Description : Code that defines the action taken or to be taken as well as the reason
for which it is taken (list of values in the appendix).

Usage: All response messages.

Element No 41
Card acceptor terminal ID

Attribute: an 8.

Description : Unique identifier code for a terminal located at the acquirer of

map.

Usage: 11XX, 12XX, 14XX.

Element No 42
Card acceptor identification code

Attribute : at 15.

Description : Identifier code of the card acceptor. The item is to be justified to

left with right spaces.

Usage: 11XX, 12XX, 14XX.

Format : Left justified with spaces on the right

Element No 43
Name and address of the cardholder

Attribute: LLVAR ans. 40

Description : Name and address of the cardholder as known by the

cardholder. The last two characters contain the
country code (ISO Alpha).

Usage: 1100, 1120, 1200, 1220, 1221.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Element No 45
Track ISO1

Attribute: LLVAR z..76.

Description : Encoded information on track 1 of the magnetic zone according to
the definition of ISO7813, including element separators
but excluding the start and end banners and the
longitudinal redundancy check (LRC) control characters.

Usage: 1100, 1200.

Element No 46
Amount of fees

Attribute: ans..204
Description : Amount of fees associated with the transaction.

Usage: 1304 (no associated treatment, future use).

Element No 48
Additional private data

Attribute: LLVAR ans..999

Description : Reserved for private data.

Valid values: (see table below)

Usage 11XX, 12XX.

Type (3 digits) Length (3 digits) Value

P10 016 MAC key.

Element containing the value of the key
calculation of the authentication value of
message to be taken into account during the course
from the session.
P16 032 PIN encryption key.
Element containing the value of the key of
transport of confidential code between the
CENTER and the member to take in
account during the session.
P48 001 TCC.
Element containing the 'Transaction'
Category Code » which can be used by
the transmitter system for processing
the authorization.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

P87 001 Result of the external verification of

CVV/CVV2.
CVV/CVV2 not verified
CVV/CVV2 incorrect
2: CVV/CVV2 correct
Result of the external verification of
CVV3.
E: Invalid length
Could not be validated
Y: Not valid
P88 001 Result of card authentication.
‘ ‘ : ARQC not verified
1: Incorrect ARQC
2: ARQC correct
P92 003 CVC2
Element containing the CVC2 for the
manual authorization requests.
P95 002 ‘01’=Visa
‘02’=MasterCard
‘03’=American Express
‘04’=Diners Club
‘05’=JCB
‘21’=CENTER
'P31' 004 Message reason code

P32 001 Code Usage

This code is to distinguish the chargeback
of the representation
‘1’ : Chargeback
‘2’ : Représentation
P33 001 Documentation indicator
This field indicates the status of the
document sent
Space: Not applicable
No document provided
1: Documentation sent by courier
Invalid ARN used in the
chargeback, no documentation has
was required nor received
Invalid ARN used in the
chargeback, documentation received
4: Documentation not received in the
chargeback sent
‘P34’ 006 Chargeback reference
This reference is generated by
the transmitter for control objectives.
The following messages in the cycle
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SPC/SID - STANDARD/HPS

chargeback should use it.

P35 050 Text message
This field is used to send a message or
good at describing the reasons for the
chargebacks/representations to exchange
between issuer and acquirer.
P36 032 Bearer certificate
P37 032 Merchant Certificate
P38 040 Transaction sequence number
P39 040 Transaction Stain
Usage 1 (SET): 40 characters calculated
by applying a secure hash algorithm
on the PDS P38 and a secret value
entered by the Holder.
Usage 2 (3D- SECURE TM): This field
is used for transactions (Three
domain Secure 3-D Secure). It contains
the value of the CAVV (Cardholder
Authentication Verification Value
The format of this field is as follows:
3-D Secure Authentication Results Code
2 Octets
00: Authentication successful.
05: Authentication could not be
carried out.
06: ACS system error
09: Authentication failed.
Second Factor Authentication Code 2
Octets
00: Not present.
11: VSDC Category used, cryptogram
failed
12: VSDC Used Category, Cryptogram
successful.
CAVV Key Indicator 2 Octets
01: CAVV Key set 1.
02: CAVV Key set 2.
CAVV Value 4 Octets
CAVV UnpredictableNumber 4 Octets
authentication tracking number 16 Octets
Reserved 10 Bytes
P40 004 Visa Network
Network Plus
P51 Variable...40 On behalf Services
Contains the services provided by MasterCard
in the name of the issuer and the results.
For each transaction, P51 can
supporter 10 services. It corresponds to
under field 71 of element 48 of
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SPC/SID - STANDARD/HPS

the CIS interface.

P52 Variable…43 PAN Mapping File Information
Contains account information
virtual of the bearer, it is in TLV format and
consisting of:
Account indicator
Virtual card number of the holder
Expiration date of the virtual card
bearer
Product related to the virtual card
(optional)
P63 012 Network Data
Position 1-2: Financial Network Code
associated with the transaction.

MCMasterCard
CICirrus®
MSMaestro®
MDMasterCard® debit card
PLPlus®
VIVISA

Position 3: Rate indicator

of Interchange
0 U.S. and Canada Regions
1 Asia Pacific, Europe, Latin America and
the Caribbean, and Middle East/Africa
Regions
2Intracountry (ISIS)

Position 4-12: Unique reference of the

transaction (generated by the MDS switch)
P61 001 0, 1, 2, 6 for Money send

P77 003 0002: C07 for Money send

P82 002 52 for the AVS

P90 999 AVS data

R01 002 Payment Initiation Channel

00 = Card (default)

R02 6 BIN (Payment N times)

R03 2 Name MAX (Payment N times)

R04 2 Percentage (Payment N times)

R07 1 Recurring payment indicator:

1=Existing recurring payment

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

R08 2 Total number of recurring payments.

R09 2 Recurring payment number. If the

the recurring payment number is >1
So the P136 (CVV) will not be sent.
D11 001 DCC Tag.
Element containing the DCC indicator of the
transaction.
Value = 1 if the transaction is DCC.
‘D07’ Variable ... 12 Original amount.
Element containing the original amount of
of the transaction
D08 003 Original device.
Element containing the currency value
original of the transaction
M01 010 Longitude of the GPS position of the mobile
the sender of the message

M02 010 Latitude of the mobile GPS position of

the sender of the message

M03 004 Position precision.

Element No 49
Transaction currency code

Attribute: n 3.

Description : Local currency of the buyer or the place of origin of the

Transaction. Currency used in the transaction amount.

Use: 11XX, 12XX, 14XX.

Element No 50
Consolidation currency code

Attribute: in 3.

Description : Code defining the consolidation currency.

Usage: 11XX, 12XX, 14XX, 15XX.

Element No 51
Invoice currency code of the cardholder

Attribute: n 3.

Description : Code defining the currency of the billing amount of

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SPC/SID - STANDARD/HPS

cardholder and the amount of billing fees of the

cardholder.

Usage: 11XX, 12XX, 14XX.

Element No 52
Pin

Attribute: b8

Description : Personal Identification Number (PIN) data.

Use: 1100, 1200.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Element No 53
Security control information

Attribute: LLVAR n..99

Description : Security control information

Valid values: Positions 1-2: Security format (Pin Block encryption)

method
No encryption
02:ZPK

Positions 3-4: Pin block format

01:Format 01/Ansi Format
25:Pre-approved PIN
99: Pin not present in message

Positions 5-7: Index of the encryption key of the PIN

Reserved

Positions 8-10: Mac key index

Reserved

Usage: All request messages

Element No 54
Additional amounts

Attribute: LLLVAR an..120.

Description : Relevant information on amounts and account data.

Valid values: Positions 1-2: Type account

10: Compte epargne. Saving account
20: Checking Account. Check account
30: Compte Credit. Credit card account
38: Loan account
40: Universal account
50: Investment account

Positions 3-4: Amount type

Account balance
Available balance
99: Not Applicable/Not Specified

Positions 5-7: Code Currency

Position 8:
‘C’:Credit
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SPC/SID - STANDARD/HPS

‘D’:‘Débit’

Positions 9-20: Amount in format 9(10)V2

This field can contain up to 6 different accounts.

Usage: 12XX, 14XX, 15XX.

Element No 55
Data related to smart cards

Attribute: LLLVAR b..255

Description : Contains data concerning card systems

microcircuit. The structure of this information element is described
in ISO 10202.

Usage: 11XX, 12XX.

Valeurs valides: (See table below)

Tag Name Format Comment Presence

71 Issuer Script Template 1 b..128 Contains proprietary data from Optional

the transmitter to be transferred to the chip before 1110
the generation of the second cryptogram. 1210

72 Issuer Script Template 2 b..128 Contains proprietary data from Optional

the transmitter to be transferred to the chip afterwards 1110
the generation of the second cryptogram 1210

82 Application Interchange b2 Indicate the capabilities of the chip to Mandatory

Profile execute certain functions. 1100
1120
1200
1220

84 Dedicates File Name b..16 Contains the names of dedicated files. Mandatory
1100
1120
1200
1220

86 Issuer script command b..21 Script transmitted by sender in the Optional

response to the request for authorization or 1110
of transaction. 1210

8A Authorization response code An..2 Authorization code generated by Mandatory

the transmitter. 1110
1210

91 Issuer Authentication Data b..16 Contains the data to be transmitted to the

Mandatory
chip for authentication of 1110
the transmitter 1210

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prior of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Tag Name Format Comment Presence

95 Terminal Verification Results b5 Contains the state of the terminal functions. Mandatory
1100
1120
1200
1220

9A Transaction Date b3 Contains the date on which the Mandatory

transaction was authorized (format 1100
YYMMDD 1120
1200
1220

9C Transaction Type b1 Indicate the type of the transaction. Mandatory

1100
1120
1200
1220

5F2A Transaction Currency Code b2 Transaction currency code. Mandatory

1100
1120
1200
1220

9F02 Transaction Amount b6 Transaction amount. Mandatory

1100
1120
1200
1220

9F03 Other Amount b6 Cash back amount Mandatory1

1100
1120
1200
1220

9F09 Terminal Application Version b2 Contains the version number of Optional

Number the application.

9F10 Issuer Application Data b..32 Contains private data at Mandatory2

transmit to the chip. 1100
1120
1200
1220

9F1A Terminal Country Code b2 Country code of the terminal. Mandatory

1100
1120
1200
1220

9F1E Interface Device (IFD) Serial b8 Terminal serial number. Optional

number

1
Required for cash back transaction.
2
Required of provided by the ICC
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SPC/SID - STANDARD/HPS

Tag Name Format Comment Presence

9F26 Application cryptogram b8 Cryptogram calculated by the terminal. Mandatory

1100
1120
1200
1220

9F27 Cryptogram Information b1 Indicate the type of cryptogram and the Mandatory
Data actions to be executed by the terminal. 1100
1120
1200
1220

9F33 Terminal Capabilities b3 Indicate the entry method of the Optional

data, authentication method of the
carrier and the security capabilities of
terminal.

9F34 Cardholder Verification b..4 Indicate the result of the last one Optional
Method Results token authentication.

9F35 Terminal Type b1 Indicate the type of environment, the Optional

communication skills and the
operational controls that you can
execute the terminal.

9F36 Application Transaction b2 Counter used in the calculation of Mandatory

Counter (ATC) cryptogram. 1100
1120
1200
1220

9F37 Unpredictable Number b4 Unpredictable name. Mandatory

1100
1120
1200
1220

9F41 Transaction Sequence b..4 Transaction sequence number. Optional

Number

9F53 Transaction Category Code b1 TCC Optional

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Element No 56
Initial information elements

Attribute: LLVAR n..35.

Description : This element contains the elements that allow to locate a

transaction.

Valid values: Positions 1-4 : Type message initial

Positions 5-10 Initial audit number
Positions11-22 Date and time of the original transaction
(Format: AAMMJJhhmmss)
Positions 22-32 Identification of the original buyer

Usage: 142X.

Element No 60
Reserved for national use

Attribute : LLLVAR ans..999

Description : Additional data required by international networks.

Valid values: Position 1: Authentication reliability indicator

Reliable
The buyer indicates that the authentication is not reliable.
VisaNet indicates that the acquirer did not authenticate the card.
3: VisaNet indicates that the issuer has not authenticated the card.

Position 2: Chip Condition Code

The service code does not start with 2 or 6.
The service code starts with 2 or 6.
The service code starts with 2 or 6 but the last
The track reading was unsuccessful.

Position 3: VSDC Transaction Indicator

0: Transaction non VSDC
Transaction VSDC

Usage: 11XX, 12XX, 14XX

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SPC/SID - STANDARD/HPS

Element No 61
Reserved for private use

Attribute: LLLVAR ans..999

Description: POS data

Valid values: See table below.

Usage: 11XX, 12XX, 14XX

Type (3 digits) Length (3 digits) Values

039 002 Response code received from the issuer before being
convert to PowerCARD response code.

‘061’ Variable…026 POS DATA

Corresponds to field 61 sent by
MasterCard to issuers and contains
additional information related to the POS
DATA.

Element No 62
Reserved for private use

Attribute: LLLVAR ans..999

Description : CPS data

Valid values: See table below

Usage 1110, 1210.

Tag (3 digits) Length (3 digits) Values

F01 001 Authorization Characteristics Indicator

(ACI).
A- Successful qualification:
Card present,
Track reading completed,
CVV requested
E- Successful qualification:
Class A compliant merchant (data
name and location of the enriched business
made available
N - Qualification not achieved
This element is transmitted in the message
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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

response to authorization to inform

acquirer of their qualification
transaction.
F02 015 Transaction ID.
This element contains a unique identifier for
transaction in case of pre-authorization. It
allows a sender to reconcile
several authorization requests with a
single transaction (incremental authorization).
F03 004 CPS validation code. This element must
to be renewed in the messages of
compensation.
F04 001 Specific data identifier
market. It allows the issuer to validate the
presence of a duration in the message of
pre-authorization.
Car rental
Hotel
Other
F05 002 Duration of the pre-authorization, expressed in
number of days. This element does not take a
meaning that if the previous element is A or H.
F06 001 Prestige property indicator, it allows
to inform the sender that the merchant
benefits from special ceilings during the
card validation requests (with a
amount of 1USD).
D: Ceiling at 500 USD
Ceiling at 1000 USD
Ceiling at 1,500 USD

Element No 73
Date of the action

Attribute: at 6

Description : Date for a later action or specific date like a

date of birth. This date represents the purge date of the
opposition file. The format is DDMMYY

Usage: 13XX.

Element No 74
Nombre de crédits

Attribute: in 10

Description : Name of all financial transactions in which

positions 1-2 of the processing code in the transaction
financial indicated a credit.
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SPC/SID - STANDARD/HPS

Usage: 15XX.

Element No 75
Number of credit adjustments

Attribute: in 10

Description : Name of all adjustment transactions in

which are positions 1-2 of the processing code in the
restructuring transaction indicated a debit.

Usage: 15XX.

Element No 76
Number of debits

Attribute: in 10

Description : Name of all financial transactions in which

positions 1-2 of the processing code in the transaction
financial indicated a debit.

Usage: 15XX.

Element No 77
Number of flow adjustments

Attribute: in 10

Description : Name of all correction transactions in

which are positions 1-2 of the processing code in the
the recovery transaction indicated a credit.

Usage: 15XX.

Element No 83
Number of payments

Attribute: in 10

Description : Number of financial transactions processed in which the

positions 1-2 of the processing code in the financial transaction
indicated a payment.

Usage: 15XX.
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SPC/SID - STANDARD/HPS

Element No 84
Number of payment corrections

Attribute: in 10

Description : Name of all processed adjustment transactions

in which positions 1-2 of the processing code in the
The recovery transaction indicated a payment.

Usage: 15XX.

Element No 86
Amount of credits

Attribute: in 16

Description : Total number of financial transactions, excluding fees

where positions 1-2 of the processing code in the transaction
financial indicated a credit.

Usage: 15XX.

Element No 87
Amount of adjusted credits

Attribute: in 16

Description: Total amount of adjustment transactions, excluding

fees where positions 1-2 of the treatment code in the
The recovery transaction indicated a debit.

Usage: 15XX.

Element No 88
Amount of debits

Attribute: in 16

Description : Total amount of financial transactions, excluding fees

where the positions 1-2 of the treatment code in the transaction
financial indicated a debit.

Usage: 15XX.

Project: Client Description of the Switch Interface Distribution Client-HPS

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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Element No 89
Amount of corrected debits

Attribute: in 16

Description : Total amount of adjustment transactions, excluding

fees where positions 1-2 of the treatment code in the
recovery transaction indicated a credit.

Usage: 15XX.

Element No 93
Identification code of the recipient organization of the transaction

Attribute: LLVAR n..11

Description : Identification code of the organization that is the recipient of the

transaction.

Usage: 13XX, 18XX.

Element No 94
Identification code of the initiating organization of the transaction

Attribute: LLVAR n..11

Description : Identifier code of the organization that is the initiator of the transaction.

Usage: 13XX, 18XX.

Element No 97
Net amount of the consolidation

Attribute: x+n 16

Description : Net value of all gross amounts

Usage: 15XX.

Element No 99
Identification code of the settlement organism

Attribute: LLVAR n..11

Description : Identifier code for the paying organization or its agent. This field
contains the current flow compensation identifier
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SPC/SID - STANDARD/HPS

monetary. A specific value will be used for the flow

mobile payment.

Usage: 15XX

Element No 100
Destination institution

Attribute: LLVAR n..11

Description : Identifier of the message reception institute.

Valid Values

Use: 16XX

Element No 101
File name

Attribute: LLVAR ans..17

Description : Real or abbreviated name of the selected file.

Valid Values STOP_LIST for the opposition list

Usage: 13XX

Element No 102
Account identification 1

Attribute: LLVAR ans..28

Description : Series of numbers and/or characters used to identify a

account or a business relationship with a client.

This field contains the customer's telephone number to be charged.

when the sub fieldType of account source of the fieldCode
treatment (element No. 3) contains the value 80, 81 or 82.

Usage: 11XX, 12XX, 13XX, 14XX.

Element No 103
Account identification 2

Attribute: LLVAR ans..28

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SPC/SID - STANDARD/HPS

Description: Series of numbers and/or characters used to identify a

account or a business relationship with a client.

This field contains the client's phone number to be credited.

when the subfield Account Type of the field Code
treatment (element no. 3) contains the value 80, 81 or 82.

Usage: 11XX, 12XX, 13XX, 14XX.

Element No 105
Amount of credit rejections

Attribute: n 16

Description : Total amount of rejected transactions, excluding fees where

positions 1-2 of the processing code in the rejection transaction
indicated a flow rate.

Usage: 15XX.

Element No 106
Amount of debit rejections

Attribute: in 16

Description : Total amount of rejected transactions, excluding fees where

positions 1-2 of the processing code in the rejection transaction
indicated a credit.

Usage: 15XX.

Element No 107
Number of credit rejections

Attribute: in 16

Description : Name of all the rejection transactions in which the

positions 1-2 of the processing code in the transaction of
the correction indicated a debit.

Use: 15XX.

Element No 108
Number of flow rejects
Project: Client Description of the Switch Interface Distribution Client-HPS
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SPC/SID - STANDARD/HPS

Attribute: in 16

Description : Name of all the adjustment transactions in

which the positions 1-2 of the processing code in the
restructuring transaction indicated a credit.

Usage: 15XX.

Element No 127
VbV data & 3D-Secure

Attribute: LLVAR ans..999

Description : Data related to e-commerce transactions from

Visa, MasterCard and AMEX networks, as well as the operators of
national e-commerce

Usage: 11XX, 12XX

Valid Values

Identifier Name Lg Description Message

E01 CVV2 003 Card Verification Value for BASE1
Ecommerce transactions (Visa or MTC
Authorization
SID 1100

E02 MasterCard Electronic 003 Position 1 (Security Protocol) CIS 0100

Commerce Indicators Data Representation: n-1
ECI The electronic commerce SID 1100
security level indicator
Values:
0 = Reserved for existing MasterCard
Europe/Visa definitions
1 = Reserved for future use
2 = Channel
3–8 = Reserved for future use
9 = None (no security protocol)

Position 2 (Cardholder
Authentication
Data Representation: n-1
The cardholder
authentication indicator
Values: 0 = Reserved for future use
1 = Cardholder certificate not used
2–9 = Reserved for future use
Valid combinations of position 1
and position 2:
21 = Channel encryption; cardholder
certificate not used (this is the
preferred value
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SPC/SID - STANDARD/HPS

for MasterCard®SecureCode™
91 = No security protocol; cardholder
certificate not used

Position 3 (UCAF Collection)

Indicator
Data Representation: n-1
The UCAF collection
indicator
Values: 0 = UCAF data collection is
not supported
by the merchant
UCAF data collection is supported
by the merchant, but UCAF data was
not populated (DE 48, subelement
43 is not present for MasterCard
SecureCode
UCAF data collection is supported
by
the merchant, and UCAF data must be
present (DE 48, subelement 43)
3 = UCAF data collection is supported
by
the merchant, and UCAF (MasterCard
assigned Static Accountholder
Authentication Value) data must be
present.
Note: DE 48, subelements 32 and 43
are
required for Static AAV
transactions.
Identifies participation in one of the
following programs:
Maestro Advance Registration
Program
Maestro Recurring Payments
Program
MasterCard Advance Registration
Program
MasterCard Utility Payment
Program
E03 ECI used for cards 002§ ECI= 05 (Authenticated with CAVV) MTC
Visa and MasterCard § ECI = 06 (3-D Secure merchant, not
coming from the interface authenticated SID 1100
MTC § ECI = 07 (Not Authenticated)
E04 TransStain(CAVV) for 028 It is the same visa format (CAVV MTC
VISA from DATA Field 126.9)
the MTC interface It will contain 20 bytes encoded in SID 1100
-UCAF for MasterCard base64 is 28 characters long. Likewise
coming from the interface for MasterCard.
MTC

E05 XID 028 MTC

3-D Secure Electronic
Commerce Transaction SID 1100
Identifier
E06 CAVV Result 002 Cavv result code

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SPC/SID - STANDARD/HPS

Element No 128
Message authentication code

Attribute: b8

Description : Used to validate the source of the message text between the sender and
the recipient, this code is calculated in accordance with the 'Standard'
on Computer Data Authentication (FIPS PUB 113).

Usage: All messages

Project: Client Description of the Switch Interface Distribution Client-HPS

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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3. MESSAGE PROTOCOL

In this section, a description is provided of all the messages handled by the

switch. It includes a detailed description of all the data elements used
in each message.

The following messages are described:

1100: Request for authorization,

1110: Response to a request for authorization,

1120: Notice of Authorization,

1121: Repetition of authorization notice,
1130: Response to a notice of authorization,

1200: Request for financial transaction,

1210: Response to request for financial transaction,

1220: Financial transaction notice, Request for representation, Adjustment

1221: Repetition of financial transaction notice,
1230: Response to financial transaction notice,

1420: Buyer cancellation notice,

1421: Repetition of buyer cancellation notice,
1430: Response to buyer's cancellation notice.

1422: Issuer cancellation notice, Chargeback or cancellation of Chargeback,

1423: Repeated cancellation notice issuer,
1432: Response to cancellation notice issuer.

1520: Notice of the purchaser's consolidation,

1521: Repetition of consolidation notices of the buyer,
1530: Response to a notice of consolidation from the buyer.

1522: Notice of consolidation of the issuer,

1523: Repeated notice of consolidation from the issuer,
1532: Response to a notice of consolidation from the issuer.

1304: File management request,

1314: Response to file management request.

1324: File management notice,

1334: Response to file management notice

1604: Administrative Message: Message text

1614: Response to an administrative message

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SPC/SID - STANDARD/HPS

1720: Request for Collection of Fees (buyer)

1722: Request for Collection of Fees (issuer)
1730: Response to an expense collection (buyer)
1732: Response to a Fee Collection (issuer)

1804: Network management request,

1814: Response to network management request.

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prerequisite of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.1 Request for authorization

3.1.1 Synopsis of messages

Buyer CENTER Emitter

Request for authorization

Request for authorization

Message 1100

Response to the request

of authorization

Response to the request

of authorization
Weather

3.1.2 Content of messages

Type 1100
Flux From the buyer to the issuer.
Description Request for approval for an authorization transaction.
Response A response to the authorization request (1110) is mandatory.
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional.
in the message.
Indicates that the value of this element is returned unchanged.
in the reply message.

Type 1110
Flux From the sender to the receiver.
Description Transmit the response to a request for authorization.
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional.
in the message.
Indicates that the value of this element is returned unchanged
in the reply message.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION 1100 1110 COMMENT

1 Secondary bitmap O O
2 Primary account number O O
3 Processing code O R
4 Transaction amount O R
5 Amount of consolidation C R If present in the request
initiated by Visa networks
and MasterCard
6 Amount of the invoice of the cardholder O R
7 Date and time of transmission O R
9 Consolidation exchange rate C R If element 5 is present.
10 Exchange rate of the holder's billing O R
of the card

11 System tracking audit number O R

12 Date and time of the transaction O R Local date and time of the
transaction
14 Date d’expiration O
15 Settlement date O R
16 Exchange date O R
18 Type of trade O
19 Country code of the acquiring organization O
21 Country code of the transmitting organization O
22 Service point data code O
23 Sequential card number C

24 Function code O
27 Length of the authorization code O
32 Identification code of the organization O R
acquirer
33 Organization identification code O R
transmitter
35 ISO2 track C
37 Recovery reference number O R
38 Authorization code O Authorization number
even in the case of refusal.
39 Code action O See action code list
41 Identification of the recipient's terminal O R
map
42 Card acceptor identification code O R
43 Name/address of the card acceptor O
45 Track ISO1 C

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SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION 1100 1110 COMMENT

48 Additional data C C
49 Currency code of the transaction O R
50 Currency code of the consolidation C R
51 Currency code of the invoice holder O R
menu
52 Identification number data C Mandatory if the PIN is
personal (PIN) entered on the terminal
53 Security control information O
54 Additional amounts C Mandatory for the
responses to request
local authorization.
55 Data related to smart cards C C Mandatory for the
EMV transactions
60 Reserved for national use C
61 Reserved for national use O
62 Reserved for private use C
124 Sender Identification Data O C
128 Message authentication code O O

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SPC/SID - STANDARD/HPS

3.2 Authorization Notice

3.2.1 Summary of messages

3.2.2 Content of the messages

Type 1120
Flux From the delegate to the issuer
Description Report that permission has been granted on behalf of the issuer.
Response A reply to the authorization notice (1130) is mandatory.
Element Indicate that this element is required in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the response message.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Type 1130
Flux From the transmitter to the delegate

Description Send the response to a permit review

Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the response message.

1120
ELEMENT DESCRIPTION 1130 COMMENT
1121
1 Secondary bitmap O O
2 Primary account number O O
3 Treatment code O R
4 Amount of the transaction O R
5 Amount of the consolidation C R If present in the message
initiated by the networks
Visa or MasterCard.
7 Date and time of transmission O R
9 Consolidation exchange rate C R If element 5 is present.
10 Billing exchange rate of the O R
cardholder
11 System tracking audit number O R
12 Date and time of the transaction O R
14 Expiration date O
15 Settlement Date O R
16 Date of exchange O R
19 Country code of the acquiring organization O
21 Country code of the transmitting entity O
22 Service point data code O
23 Sequential card number C

24 Function code O
25 Code reason for the message O
27 Length of the authorization code O
32 Organization identification code O R
buyer
33 Identification code of the organization C R
transmitter
37 Collection reference number O R

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SPC/SID - STANDARD/HPS

1120
ELEMENT DESCRIPTION 1130 COMMENT
1121
38 Authorization code O O
39 Code action O O See action code list
41 Identification of the acceptor's terminal C R
map
42 Card acceptor identification code O R
43 Name/address of the card holder O
48 Additional data C C
49 Transaction currency code O R
50 Consolidation currency code C R
51 Currency code of the invoice of the holder of O R
the map
53 Security control information O
55 Data related to smart cards C Mandatory for the
EMV transactions
60 Reserved for national use C
128 Message authentication code O O

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SPC/SID - STANDARD/HPS

3.3 Financial transaction request

3.3.1 Overview of messages

Buyer CENTER Sender

Transaction request

Transaction request
Message 1200

Response to the request

of the transaction
Message 1210

Réponse à la demande
of transaction
Time

3.3.2 Contenu des messages

Type 1200
Flux From the buyer to the issuer
Description Request for approval for a financial transaction
Response A response to the financial transaction request (1210) is
mandatory.
Element This element is mandatory in the message.
Indicates that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the reply message.

Type 1210
Flux From the sender to the recipient
Description Send the response to a financial transaction request
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the reply message.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION 1200 1210 COMMENT

1 Secondary Bit map O O

2 Primary account number O R
3 Processing code O R
4 Transaction amount O R This field is equal to
Zero in the case of a
request for balance.
5 Amount of the consolidation O R This field is equal to
Zero in the case of a
request for balance.
6 Amount of the invoice of the cardholder O R This field is equal to
Zero in the case of a
request for balance.
7 Date and time of transmission O R
9 Consolidation exchange rate O R
10 Billing exchange rate of the O R
cardholder
11 System tracking audit number O R
12 Date and time of the transaction O R
14 Date d’expiration O
15 Settlement Date O R
16 Exchange date O R
18 Type of business O
19 Country code of the acquiring organization O
21 Country code of the transmitting organization O
22 Codes given from the service point O
23 Sequential card number C

24 Function code O
27 Length of the authorization code O
32 Identification code of the organization O R
acquirer
33 Identification code of the organization O R
transmitter
35 ISO2 track C
37 Recovery reference number O R
38 Authorization code O Mandatory even in case of
refusal.
39 Code action O See action code list
41 Identification of the recipient's terminal O R
card
42 Card acceptor identification code O R

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SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION 1200 1210 COMMENT

43 Name/address of the card acceptor O

45 Track ISO1 C
46 Amount of fees C R This field is filled in by
the CENTER
48 Additional data C C Contains the data of
mobile geolocation
for the transactions of
mobile payment network
49 Transaction currency code O R
50 Consolidation currency code O R This field is filled in by
the CENTER in for the
SMS and MDS transactions
51 Currency code of the holder's invoice O R
map
52 Identification number data C
personal (PIN)
53 Security control information O
54 Additional amounts C
55 Data related to microchip cards C C Obligatoire pour les
EMV Transactions
60 Reserved for national use C
61 Reserved for national use O
62 Reserved for private use C CPS data must
to be returned to the member
in the case of transaction
SMS
102 Source account number O O Account number or of
phone indicating the
source to be debited from the amount
of the transaction.
103 Destination account number O O Account number or of
telephone indicating the
destination to be credited from
transaction amount.
128 Message authentication code O O

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SPC/SID - STANDARD/HPS

3.4 Financial transaction notice

3.4.1 Overview of messages

Delegate Emitter

Transaction notice
Transaction notice
Message 1220 T_Start

Response to the review

of transaction
Message 1230 T_Fin

Repetition of notice
of transaction
Message 1221

Response to the review

of transaction
Response to the review Message 1230
of transaction

Time

3.4.2 Contenu des messages

Type 1220
Flux From the delegate to the issuer
Description Report that a financial transaction has been made in the name of
the transmitter
Response A notice regarding the financial transaction (1230) is
mandatory
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the reply message.

Project: Client Description of the Switch Interface Distribution Client-HPS

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SPC/SID - STANDARD/HPS

Type 1230
Flux From the sender to the delegate
Description Send the response to a financial transaction review.
Element Indicate that this element is mandatory in the message.
Indicates that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the response message.

1220
ELEMENT DESCRIPTION 1230 COMMENT
1221
1 Secondary bitmap O O
2 Primary account number O R
3 Processing code O R
4 Transaction amount O R
5 Amount of the consolidation O R
6 Amount of the invoice for the holder of the O R
card
7 Date and time of transmission O R
9 Consolidation exchange rate O R
10 Exchange rate of the billing of the O R
cardholder
11 Audit number of the monitoring system O R
12 Date and time of the transaction O R
14 Expiration date O
15 Settlement date O R
16 Exchange date O R
18 Type of business O
19 Country code of the acquiring organization O
21 Country code of the transmitting organization O
22 Service point codes O
23 Sequential card number C

24 Function code O
25 Code reason for the message O
32 Identification code of the organization O R
buyer
33 Organization identification code C R
transmitter
37 Recovery reference number O R

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

• Validated Page 63/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary from Hightech Payment Systems.

SPC/SID - STANDARD/HPS

1220
ELEMENT DESCRIPTION 1230 COMMENT
1221
38 Authorization code O R
39 Code action O R See action code list
41 Identification of the recipient's terminal O R Must contain the same value
of the map from the initial message of
request
42 Identification code of the recipient O R Must contain the same value
card from the initial message of
request
43 Name/address of the cardholder O
46 Amount of fees C R
48 Additional data C C
49 Transaction currency code O R
50 Currency code of the consolidation C
51 Invoice currency code of the holder O
of the map
53 Security Control Information O M
54 Additional amounts C
55 Data related to smart cards C Smart card data if
available.
56 Initial information elements O
60 Reserved for national use C R
62 Reserved for private use C C
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In progress of design Date Edition 21/11/17

• Validated Page 64/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.5 File Management Request

3.5.1 Synopsis of messages

Sender CENTER Recipient

File management request

File management request

Message 1304

Response to the request

file management
Message 1314

Response to the request

file management
Weather

3.5.2 Content of messages

Type 1304
Flux From the sender to the recipient
Description Request for file update
Answer A response message to the request for file update
(1314) must be sent.
Element This element is mandatory in the message.
Indicates that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the reply message.

Type 1314
Flux From the recipient to the sender
Description Transmit the response to a file management request
Element Indicate that this element is mandatory in the message.
Indicates that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the reply message.

Project: Client Description of the Switch Interface Distribution Client-HPS

Version initiale Document Date 22/04/02
Status In design process Date Edition 21/11/17

• Validated Page 65/93

The information provided in this document is strictly CONFIDENTIAL. It cannot be duplicated, published, or disclosed without written permission.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION 1304 1314 COMMENT

1 Secondary bitmap O O
2 Primary account number O R
7 Date and time of transmission O R
11 System tracking audit number O R
12 Date and time of the transaction O R
14 Expiration date C
24 Function code O
25 Reason code of the message O
27 Length of the authorization code O
37 Recovery reference number O R
39 Code action O See action code list
46 Amount of fees C R Field filled in by the
CENTER
73 Date of the action C C
93 Identification code of the organization O O
transaction receiver
94 Identification code of the organization O O
initiator of the transaction
101 File name O R
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status Under design Date Edition 21/11/17

• Validated Page 66/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.6 File Management Notice

3.6.1 Synopsis of messages

Sender CENTER Recipient

File Management Notice

File management notice

Message 1324

Response to the notice

file management
Message 1334

Response to the review

file management
Time

3.6.2 Content of messages

Type 1324
Flux From sender to recipient
Description Report that a file or record has been added, deleted
you replaced
Response A response message to update notice (1334) must be
sent.
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the response message.

Type 1334
Flux From the recipient to the sender
Description Forward the response to a file management review
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the response message.

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In design process Date Edition 21/11/17

• Validated Page 67/93

The information provided in this document is strictly CONFIDENTIAL. It may not be copied, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION 1324 1334 COMMENT

1 Secondary bitmap O O
2 Primary account number O R
7 Date and time of transmission O R
11 Audit number of the monitoring system O R
12 Date and time of the transaction O R
24 Function code O
25 Code reason for the message O
27 Length of the authorization code O
37 Recovery reference number O R
39 Code action O See action code list
46 Amount of fees C R Field filled in by the
CENTER
73 Date of the action C C
93 Identification code of the organization O O
transaction receiver
94 Identification code of the organization O O
initiator of the transaction
101 File name O R
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status En cours de conception Date Edition 21/11/17

• Validated Page 68/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.7 Notice of correction

3.7.1 Overview of Messages

First case: Recovery following a timeout at the sender level

Acquirer CMI Sender

Transaction request
Transaction request
Message 1200 T_Beginning

Response to the
Response to the
transaction request
transaction request T_Fin
Message 1210
Service not available

Cancellation request
from the transaction
Message 1420 T_Beginning

Response to the request

transaction cancellation
Message 1430 T_Fin

Repetition of request
transaction cancellation
Message 1421 T_Start

Repetition of request
transaction cancellation T_Fin
Message 1421

Response to the request

transaction cancellation
Message 1430

Weather

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status Under design Date Edition 21/11/17

• Validated Page 69/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Second case: Automatic recovery following an acquirer timeout

Buyer CENTER Sender

Transaction request

Transaction request
Message 1200

Response to the request

of transaction
Message 1210

Response to the request

of transaction

Cancellation request
from the transaction

Cancellation request
of the transaction
Message 1420

Response to the request

transaction cancellation
Message 1430

Response to the request

transaction cancellation

Time

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status Under design Date Edition 21/11/17

• Validated Page 70/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.7.2 Content of messages

Type 1420
Flux From the buyer to the issuer
Description Correct a previous authorization or financial transaction
Response Un message de réponse à l’avis du redressement (1430) est
mandatory
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the response message.

Type 1430
Flux From the issuer to the acquirer
Description Send the response to a correction notice
Element This element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the response message.

Projet :Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of Document 22/04/02
Status In the process of design Date Edition 21/11/17

• Validated Page 71/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION
1420
1430 COMMENT
1421

1 Secondary bitmap O O
2 Primary account number O R
3 Code treatment O R
4 Transaction amount O R
5 Amount of the consolidation C R
6 Amount of the invoice of the holder of the O R Must contain the same
map value of the initial message
of request being
straightened
7 Date and time of transmission O R Date and time of
rectification.
9 Consolidation exchange rate C Must contain the same
value of the initial message
of request being
straightened
10 Exchange rate of the billing of the O Must contain the same
cardholder value of the initial message
of request being
straightened
11 System tracking audit number O R
12 Date and time of the transaction O R Local date and time of
correction.
AAMMJJhhmmss format.
15 Settlement date O R
16 Exchange date O R
19 Country code of the acquiring organization O Must contain the same
value of the initial message
of request being
straightened
21 Country code of the transmitting organization O Must contain the same
value of the initial message
of demand being
straightened
23 Sequential card number C

24 Function code O Message code function:

400 = total adjustment,
401= statut redressement
unknown
402= redressement
partial.
25 Reason code for the message O Reason for recovery.
30 Initial amounts C Mandatory if the
The adjustment is partial.
Project: Client Description of the Switch Interface Distribution Client-HPS
Initial version Document Date 22/04/02
Status In design process Date Edition November 21, 2017

• Validated Page 72/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION
1420
1430 COMMENT
1421

32 Identification code of the organization O R Must contain the same

acquirer value of the initial message
of request being
straightened
33 Identification code of the organization O R Must contain the same
transmitter value of the initial message
of request being
straightened
37 Recovery reference number O R Data identifying a
message in the system.
Received from the network,
otherwise generated from a
internal order.
38 Authorization code C O Must contain the same
value of the initial message
of request
39 Code action O O Response code for
initial message from
request.
41 Identification of the acceptance terminal O R Must contain the same
of the map value of the initial message
of request being
straightened
42 Identification code of the recipient of O R Must contain the same
map value of the initial message
of request being
corrected
43 Name/address of the card holder O R
48 Additional data C C
49 Transaction currency code O R Must contain the same
value of the initial message
of request.
50 Consolidation currency code O R Must contain the same
value of the initial message
of request.
51 Currency code of the bill holder O R Must contain the same
of the map value of the initial message
of request.
53 Security control information O O
56 Initial information elements O
60 Reserved for national use C
61 Reserved for national use C
62 Reserved for private use C
102 Source account number O O Account number or
phone indicating the
source to be debited from

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

• Validated Page 73/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION
1420
1430 COMMENT
1421
amount of the transaction.
103 Destination account number O O Account number or of
phone indicating the
destination to be credited of
amount of the transaction.
124 Sender identification details O C
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the design phase Date Edition 21/11/17

• Validated Page 74/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.8 Issuer correction notice

3.8.1 Overview of messages

Visa / MCI

Notice of adjustment
1422 / 0422 Notice of Adjustment
Message 1422 T_Beginning

Response to the review

of rectification
Message 1432 T_Fin

Repetition of notice
of recovery
Message 1423

Response to the review

of recovery
Response to the review Message 1432
of recovery
1422 / 0422

Weather

3.8.2 Content of messages

Type 1422/1423
Flux From the sender to the receiver.
Description Correct the previously accepted financial transactions.
which are contested by the holders or recognized as invalid by
the transmitter.
Response A response to the chargeback (1432) is required.
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicate that the value of this element is returned unchanged
in the reply message.

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status Under design Date Edition 21/11/17

• Validated Page 75/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
prerequisite of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Type 1432
Flux From the buyer to the issuer.
Description Response to a message of issuer correction notice
(1422/1423). Indicate a positive response to a notice of
issuer rectification (1422/1423).
Element Indicate that this element is mandatory in the message.
Indicates that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the reply message.

ELEMENT DESCRIPTION
1422
1432 COMMENT
1423

1 Secondary bitmap O O
2 Primary account number O R
3 Processing code O R
4 Transaction amount O R
5 Amount of the consolidation O R
7 Date and time of transmission O R
9 Consolidation exchange rate O R
11 System audit number O R
12 Date and time of the transaction O R
15 Consolidation date O R
16 Date of change O R
18 Type of business O
19 Country code of the acquiring organization O R
21 Country code of the transmitting organization O R
23 Sequential number of the card C

24 Function code O
25 Reason code for the message O R
27 Length of the authorization code O
32 Buyer identification code O R
37 Recovery reference number O R
38 Authorization code O
39 Code action O See action code list
41 Identification of the recipient's terminal O R
the map
42 Identification of the card acceptor O R
46 Amount of fees C R This field is filled in by

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document April 22, 2002
Status Under design Date Edition 21/11/17

• Validated Page 76/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without a written agreement.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

the CENTER
48 Additional data C C
49 Currency code of the transaction O R
50 Currency code of consolidation O R
53 Security control information O M
62 Reserved for private use C C
56 Initial information elements O R
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

• Validated Page 77/93

The information provided in this document is strictly CONFIDENTIAL. It cannot be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.9 Notice of consolidation of the acquirer

3.9.1 Summary of messages

ACRSP CENTER Buyer

Notice of consolidation
Buyer

Notice of consolidation
Buyer
Message 1520

Response to review of
Acquirer consolidation
Message 1530
Response to the review of

Acquirer consolidation
Time

3.9.2 Content of messages

Type 1520/1521
Flux From the ACRSP to the purchaser

Description Report of the totals of the buyer (number and value) for the
last period of consolidation
This message is sent for the payment activity and for the activity
Payment Establishment.
In case the SID link carries the flow of a Payment Acquirer and
of a payment establishment, 2 messages will be transmitted by
HPS Switch.
Response A notice of the response message of the consolidation (1530) is
mandatory
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the reply message.

Type 1530
Flux From the buyer to the ACRSP
Description Send the response to a consolidation notice
Project: Client Description of the Switch Interface Distribution Client-HPS
Initial version Document Date 22/04/02
Status In design Date Edition 21/11/17

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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Element Indicate that this element is mandatory in the message.

Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the response message.

ELEMENT DESCRIPTION
1520
1530 COMMENT
1521

1 Secondary bit map O O

7 Date and time of transmission O R
11 System tracking audit number O R
12 Date and time of the transaction O R
15 Due date O R
24 Function code O
37 Recovery reference number O R
39 Code action O See action code list
50 Currency code of consolidation O R
53 Security control information O
74 Number of credits O O
75 Number of credit adjustments O O
76 Number of debits O O
77 Number of flow corrections O O
80 Number of inquiries O O
81 Number of authorizations O O
86 Amount of credits O O
87 Amount of corrected credits O O
88 Amount of debits O O
89 Amount of corrected debits O O
97 Net amount of consolidation O O
99 Identification code of the organism of O O
regulation
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

• Validated Page 79/93

The information provided in this document is strictly CONFIDENTIAL. It cannot be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.10 Notice of consolidation from the issuer

3.10.1 Overview of messages

ACRSP CENTER Sender

Consolidation Notice
from the sender

Notice of consolidation
from the transmitter

Message 1522

Response to the review of

issuer consolidation
Message 1532

Response to the notice of

Issuer consolidation
Weather

3.10.2 Content of the messages

Type 1522/1523
Flux From the ACRSP to the issuer
Description Report the totals of the issuer (number and value) for the
last period of consolidation
Ce message est envoyé pour l’activité monétique et pour l’activité
Payment Establishment.
In case the SID link carries the flow of a Payment Issuer and
from a payment institution, 2 messages will be sent by
HPS Switch.
Answer A notice from the response message of the consolidation (1532) is
mandatory
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the response message.

Type 1532
Flux From the transmitter to the ACRSP

Description Send the response to a consolidation review.

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Document Date 22/04/02
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preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Element Indicate that this element is mandatory in the message.

Indicate that the presence of this element is conditional in
the message.
Indicate that the value of this element is returned unchanged.
in the reply message.

ELEMENT DESCRIPTION
1522
1532 COMMENT
1523

1 Bit map secondaire O O

7 Date and time of transmission O R
11 System monitoring audit number O R
12 Date and time of the transaction O R
15 Settlement date O R
24 Function code O
37 Recovery reference number O R
39 Code action O See action code list
50 Currency code of the consolidation O R
53 Security control information O
74 Number of credits O O
75 Number of credit repairs O O
76 Number of flows O O
77 Number of debit adjustments O O
80 Number of inquiries O O
81 Number of authorizations O O
86 Amount of credits O O
87 Amount of adjusted credits O O
88 Amount of debits O O
89 Amount of adjusted debits O O
97 Net amount of the consolidation O O
99 Identification code of the organization of O O
regulation
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In design Date Edition 21/11/17

• Validated Page 81/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written agreement.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.11 Administrative Message: Text message

3.11.1 Overview of messages

Sender CENTER Recipient

Text message

Message 1604

Response to the text message

Message 1614

Response to the text message

Weather
Text message
Message 1604

Text message

Response to Text Message

Message 1614

Message 1614

Project: Client Description of the Switch Interface Distribution Client-HPS

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The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.11.2 Content of messages

Type 1604
Flux From the sender to the recipient
Description Allows text message exchange (VISA only)
Response A response to the network management request (1614) is
mandatory
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicate that the value of this element is returned unchanged.
in the reply message.

Type 1614
Flux From the recipient to the sender
Description Send the response to a network management request

Element Indicate that this element is mandatory in the message.

Indicate that the presence of this element is conditional in
the message.
Indicate that the value of this element is returned unchanged
in the reply message.

ELEMENT DESCRIPTION 1604 1614 COMMENT

1 Secondary bitmap O O
7 Date and time of transmission O R
11 System tracking audit number O R
12 Date and time of the transaction O R
33 Organism identification code O R
transmitter
37 Recovery reference number O R
39 Code action O See action code list in
annex of this document.
48 Additional data C C P35 including # at the beginning

100 Destination institution O R

128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Document Date 22/04/02
Status Under design Date Edition 21/11/17

• Validated Page 83/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.12 Expense and Fund Request - Visa

3.12.1 Summary of messages

3.12.2 Content of the messages

Type 1720 -- 1722

Flux From the buyer to the issuer -- From the issuer to the buyer.
Description Allows the collection of fees from the buyer to the issuer.
Allows the collection of fees from the issuer to the acquirer
Response A response to the fee collection message (1730-1732) is
necessary.
Element Indicate that this element is mandatory in the message.
Indicates that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the response message.
Type 1730 --1732
Flux From the issuer to the acquirer.

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

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The information provided in this document isSTRICTLY CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

From the buyer to the issuer.

Description Response to a message about fees or funds
Element Indicate that this element is mandatory in the message.
Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged.
in the reply message.

ELEMENT DESCRIPTION
1720 1730 COMMENT
1722 1732

1 Secondary bit map O O

2 Primary account number C R
3 Treatment code O R
4 Transaction amount O R
5 Amount of consolidation O R
7 Date and time of transmission O R
9 Consolidation exchange rate O R Present if the message is
1722
11 System audit number O R
12 Date and time of the transaction O R
15 Settlement date C
16 Exchange date O R Present if the message is
1722
19 Country code of the acquiring organization O R
32 Purchaser identification code O R
37 Recovery reference number R
38 Authorization code O
39 Code action O See action code list
48 Additional data C C
49 Transaction currency code O R
50 Currency code of the consolidation O R
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status Under design Date Edition 21/11/17

• Validated Page 85/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

3.13 Network management request

3.13.1 Synopsis of messages

Sender CENTER Recipient

Network management request

Network management request

Message 1804

Response to the request

network management
Message 1814

Response to the request

network management
Weather

3.13.2 Content of messages

Type 1804
Flux From the sender to the recipient
Description Network management action request
Response A response to the network management request (1814) is
mandatory
Element Indicate that this element is mandatory in the message.
Indicates that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the reply message.

Type 1814
Flux From the recipient to the sender
Description Send the response to a network management request

Element Indicate that this element is required in the message.

Indicate that the presence of this element is conditional in
the message.
Indicates that the value of this element is returned unchanged
in the reply message.

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Document Date April 22, 2002
Status In the process of design Date Edition 21/11/17

• Validated Page 86/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

ELEMENT DESCRIPTION 1804 1814 COMMENT

1 Secondary bitmap O O
7 Date and time of transmission O R
11 System monitoring audit number O R
12 Date and time of the transaction O R
24 Function code O
25 Reason code for the message O
33 Identification code of the organization O R
transmitter
37 Recovery reference number O R
39 Code action O See action code list in
annex of this document.
48 Additional data C C
128 Message authentication code O O

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Document Date 22/04/02
Status In the process of design Date Edition 21/11/17

• Validated Page 87/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

4. LINK BETWEEN THE CENTER AND PARTNER SERVERS

This paragraph presents the procedures for managing the link between the CENTER and the
member's payment server. These procedures are mainly based on the
network management messages 1804/1814.

4.1 Network Connection

At the network level, the link between the CENTER and the Member's payment server is
established by the latter. A network connection request is sent by the server
Member's electronic payments. The CENTER responds to this request with a confirmation.
of connection request. In case of the CENTER's unavailability at the time of
the submission of the connection request by the banking payment server, the latter
must try to reconnect automatically3The same
behavior must be ensured in the event that the network connection is lost
after its successful establishment.

The link between the two servers is declared OFF-LINE as long as the network connection
is not established. It will be declared SIGN-OFF once this connection is established with
success.

For network connection, Hightech Payment Systems recommends the use of

TCP/IP protocol.

4.2 Logging in

After the network connection is established, the partner's payment server

Initiate a session opening request. This is done by using a message.
network management request (1804) with the value 801 as content of
the function code element (ISO Element 24). The CENTER responds to this request by
a message 1814 with 800 as the value of the ISO 39 element. Based on
the sending of this response, the link between the two servers is considered as SIGN-
We will contact the CENTER. It will be for the payment server upon receiving the said response.

The link between the two servers remains in the SIGN-OFF state in the case where the CENTER
could not respond or if the value of the ISO 39 element of the response of the
CENTRE is different from 800. In this case, the payment server must retry
the opening of the session4.

3
It is recommended that the number of connection attempts be configurable.
4
It is recommended that the number of login attempts be configurable.
Project: Client Description of the Switch Interface Distribution Client-HPS
Initial version Document Date 22/04/02
Status In progress of design Date Edition 21/11/17

• Validated Page 88/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without a written agreement.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

4.3 Session Status Verification

At regular time intervals5the banking payment server will initiate a

session verification message (ECHO-TEST) using a message from
network management (1804) with 803 as the function code element value
(ISO element 24). The CENTER must respond with a message 1814 with 800
as the value of the action code element (ISO 39 element).

If the partner payment server does not receive a response to an ECHO message-
TEST if the element ISO 39 of the response from the CENTER is different from 800, it must
try again, for a given number6and for shorter time intervals7, the sending
from another message. At the end of this exercise, if no response is received, the
The payment server declares the link as SIGN-OFF.

A session verification message can be initiated by the CENTER. The same

rules remain valid except for the last one, namely: if the payment server
do not respond to ECHO TEST messages, the link will not be declared as
SIGN-OFF by the CENTER. However, it will generate an alert for the
system operators.

4.4 Closing a session

The banking payment server can initiate a request to close a session.
To do this, he must send a network management message with the code element
position function at 802. For its part, the CENTER responds to this message with a
message1814 with the action code element set to 800. By sending this message, the
the banking payment server considers that the link is in the SIGN-OFF state. The
The center considers it this way once he has responded.

In case the banking payment server does not receive a response to its request,
He must try to resend the request for a given number of attempts.8.

The CENTRE can also initiate a request to close the session.

The same rules must be followed.

5
It is recommended that the value of this interval be configurable.
6
It is recommended that this number be configurable.
7
It is recommended that the value of this interval be adjustable.
8
It is recommended that this number be configurable.
Project: Client Description of the Switch Interface Distribution Client-HPS
Initial version Date of the Document 22/04/02
Status In the design process Date Edition 21/11/17

• Validated Page 89/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary from Hightech Payment Systems.

SPC/SID - STANDARD/HPS

4.5 General rules

If the link state is different from 'OFF-LINE', the two servers can exchange
session login requests, session verification requests and
session termination requests.

Authorization requests (11XX), transaction requests (message 12XX),

cancellation requests (message14XX), file management requests
(13XX) as well as the consolidation requests (message 15XX) cannot be
exchanged only when the link status is SIGN-ON.

4.6 Description of the Bank Interface Automation

Figure 1: Automated Bank Interface

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In design process Date Edition 21/11/17

• Validated Page 90/93

The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

Center Member

Interface Interface
Member Connection Request Center
Inactive (Inactive)

Connection Confirmation

Interface Interface
Member Sign On SAF Center
Sign Off (Sign Off)

Interface Wait 5 seconds

Opening of
Member Sign On SAF Response
session SAF
(Sign On SAF)

Sign On No
SAF
Accepted

Yes

Interface Avis SAF Interface Centre

Member
SAF feedback response Sign On SAF
Sign On SAF

Interface
Member Sign Off SAF
Sign On SAF

Interface Confirmation Interface Center

Closure
Member Sign Off
Session SAF (Sign Off)
(Sign Off)

Interface
Member Sign On Wait 5 seconds
Sign Off

Interface
Opening of Sign On No
Member
Session Accepted
(Sign On)

Yes

Interface Center
Sign On

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the process of design Date Edition 21/11/17

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The information provided in this document is STRICTLY CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

5. ANNEX A - ACTION CODES

Code Description
000 Approved
001 Approved with identification
003 Approved (VIP)
007 Approved, microchip update
100 Do not honor
101 Expired card
102 Suspected fraud
104 Reserved use card
106 Number of allowed PIN attempts exceeded
107 Refer to the card issuer
108 Refer to the special conditions of the card issuer.
109 Incorrect commerce

110 Incorrect amount

111 Incorrect card number
112 Information related to the PIN required

114 No account of the requested type

115 Fonction demandée non prise en charge
116 Insufficient funds
117 PIN incorrect
118 Card not registered
119 Unauthorized transaction for the cardholder
120 Transaction not allowed at the terminal

121 Exceeding withdrawal limits

122 Security breach
123 Exceeds the allowed withdrawal frequency.
125 Card not in service
126 Invalid PIN format
127 PIN length error
128 Synchronization error on the PIN key
129 Suspected card counterfeiting
180 Non-existent credit account
181 Non-existent checking account

182 Non-existent savings account

183 Invalid CVV
184 Invalid date
200 Do not honor, capture card
201 Expired card, capture card
202 Suspected fraud, capture card
204 Reserved use card, capture
205 The card acceptor calls the acquiring security service, capture

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Date of the Document 22/04/02
Status In the design phase Date Edition November 21, 2017

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The information provided in this document is strictly CONFIDENTIAL. It may not be duplicated, published, or disclosed without written consent.
preliminary of Hightech Payment Systems.

SPC/SID - STANDARD/HPS

206 The number of PIN validation attempts exceeded

207 Special conditions, capture the map
208 Lost card, capture the card
209 Stolen card, capture the card
210 Suspected card counterfeiting, capture the card
280 Cancelled alternative amount

299 Capture the card

300 Treatment completed
301 Not supported by the recipient
302 Unable to locate the record in the file
303 Duplicate record, old record replaced
304 Zone control error
305 Locked file
306 Processing failure
307 Format error
308 Duplicate processing, new record rejected
309 Unknown file
381 Record not found Account not stopped. Withdrawal not processed
382 Deletion of balance record
383 Request for balance

480 Restructuring accepted

481 Incorrect adjustment
501 Incorrect adjustment amount
503 Totals not available
581 Consolidation done
582 Consolidation procedure not available
800 Cut-off in progress

880 Connection not accepted

902 Invalid transaction
908 The recipient of the transaction is not referenced for routing.
909 System failure
911 The sender did not respond in time
912 Card issuer unavailable
992 Emitter not found
993 PIN verification impossible
994 Transaction processing error
995 Server processing error

Project: Client Description of the Switch Interface Distribution Client-HPS

Initial version Document Date 22/04/02
Status In the process of design Date Edition 21/11/17

• Validated Page 93/93